JP2004005144A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve a problem of a conventional automatic transaction device that deterioration of service of a financial institution is caused because specification input is required in each case similarly to issue of a new card to give inconvenience to a customer when requiring a transfer card medium of the same contents as a previously issued transfer card medium for some reason. <P>SOLUTION: In this automatic transaction device, by using magnetic stripe data of the original transfer card medium, troublesome time-consuming operation such as new issue is eliminated, and reissue of the transfer card medium can be realized by a simple operation. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
[Industrial applications]
The present invention relates to reissuing a transfer card medium used by a customer to simplify a transfer process in an automatic transaction apparatus.
[0002]
[Prior art]
In general, there is a demand in financial institutions to reduce window processing to reduce personnel costs and shift customers to use automatic transaction devices as much as possible. For this reason, in the automatic transaction apparatus, in addition to the deposit and withdrawal processing, the processing of the transfer transaction can be performed for a long time. However, the transfer processing in the automatic transaction apparatus is an input designation every time the transfer contents are specified, which is very complicated and time-consuming, and is often avoided by customers.
[0003]
Therefore, in the case of the same transfer transaction every time, that is, the transaction in which the recipient and the sending amount are determined to be the same each time, the contents of the fixed transfer transaction are recorded on a card provided with a magnetic stripe, and the customer makes a desired transfer transaction. By inserting the card into the automatic transaction apparatus at the time of a transaction, it is not necessary to specify the input every time, and the operation is greatly simplified. That is, the card is called a transfer card medium, and is currently widely used by financial institutions and their customers.
[0004]
Note that the automatic transaction apparatus is provided with a function of creating and issuing a transfer card medium for a desired transaction by a customer himself / herself. However, in preparing and issuing a new desired transfer card medium, the customer must perform a normal transfer operation, that is, a complicated and time-consuming operation such as input designation.
[0005]
Meanwhile, the transfer card medium is generally made of paper, and is not made to be durable and semi-permanent like a cash card or a credit card. Therefore, it is dirty and easily damaged. In particular, those that are used frequently or that are used for a long time need to be replaced with something that is somewhat clean and easy to use from the viewpoint of customer service. In addition, the customer naturally wants to reissue the transfer card medium currently possessed to a beautiful one.
[0006]
[Problems to be solved by the invention]
However, if the customer wants to reissue the transfer card medium having the same contents as the transfer card medium already owned by the customer with the automatic transaction device, the customer needs to issue the above-mentioned ordinary new issuance as described above. We had to do the operation. That is, a complicated and time-consuming operation such as input designation is required every time. Therefore, there is a problem that the convenience is poor for the customer, the service is reduced for the financial institution, and the operation efficiency of the automatic transaction apparatus is reduced.
[0007]
In view of the above problems, according to the present invention, it is possible to reissue a transfer card medium already owned by a customer by a simple operation using an automatic transaction device, to improve customer convenience, and to provide services of financial institutions. The purpose is to improve the operation efficiency of the automatic transaction apparatus.
[0008]
[Means for Solving the Problems]
In order to solve the above-mentioned problems, the present invention takes out information from magnetic stripe data of a transfer card medium which has already been issued to an automatic transaction apparatus, and a data acquisition holding function for holding the information, and information extracted from the data acquisition holding function. A function to reissue a transfer card medium having the same content as the issued transfer card medium as it is,
In more detail, at the level of the means, reissue instructing means for instructing the automatic transaction apparatus to reissue the transfer card medium, and a stripe for reading magnetic stripe data of the inserted and issued transfer card medium and holding it in the storage unit Data reading / holding means, and reading out the data held by the stripe data reading / holding means, and, based on the data, the surface of the new transfer card medium so as to have the same contents as the already issued transfer card. A new medium creating means for performing printing processing and magnetic stripe writing processing, and a reissue executing means for issuing the transfer card medium created by the new medium creating means are provided.
Further, a program for realizing or functioning each of the above is provided.
[0009]
【Example】
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited by this.
[0010]
FIG. 1 is an external view of an automatic transaction apparatus to which the present invention is applied.
In the figure, a display / input unit 1 guides information on a transaction to a customer and accepts an input operation. For example, a display screen such as a liquid crystal display or a CRT and a transparent touch panel arranged on the screen are used. The card handling and statement discharging unit 2 accepts and processes a customer's cash card and the like, and discharges a statement on which the result of the transaction and the like are printed. The transfer card medium according to the present invention in the case of a transfer transaction also performs an acceptance process and an issuance process here.
[0011]
The passbook unit 3 is a part that performs a passbook acceptance process of a customer in order to conduct a passbook transaction. The deposit / withdrawal unit 4 performs a cash accepting / discharging process. It is assumed that these units are controlled by a control unit (not shown).
[0012]
FIG. 2 shows an example of the transfer card medium.
In the figure, the appearance of the front side and the back side of the medium are shown on the left and right sides, respectively. The portion surrounded by the broken line 21 is an example of front side printing. As described above, the transfer card medium generally includes "transferee financial institution name", "transferee branch name", "transferee account", "transferee account number", "transferee name", "client name", "client telephone number", etc. Is printed individually. The details are as shown in the table as 23 examples of editing specifications for front side printing.
[0013]
The back side has 22 magnetic stripes. As an example of data normally written on the magnetic stripe 22, a diagram showing an example of data storage specifications in the magnetic stripe of FIG. 3 is shown.
[0014]
FIG. 4 is a functional block diagram relating to the implementation of the present invention of the automatic transaction apparatus.
In the figure, a reissue instruction means 41 newly issues a transfer card medium (hereinafter, referred to as an old transfer card) already held by a customer as a new transfer card medium (hereinafter, referred to as a new transfer card), that is, a transfer card medium. Providing an operation for instructing the automated teller machine of a request for reissuance of the same, and providing guidance for recognizing that it is determined to be reissued and for allowing the customer to insert the old transfer card into the automated teller machine. Things.
[0015]
Note that all of the units described below are necessary when the customer issues a reissuing instruction with the reissuing instruction unit 41. The description will be made on the assumption that this is the case.
[0016]
The stripe data reading / holding means 42 provides a process of reading the contents of the magnetic stripe 22 of the old transfer card inserted into the automatic transaction apparatus, and temporarily storing the contents in a memory or the like.
[0017]
Although not shown, the new medium creating means 43 takes out one of the stocks of the transfer card medium for new issuance in the internal processing of the automatic transaction apparatus, and (this area is a transfer by a conventional simple automatic transaction apparatus). The operation is the same as that of the card medium issuance process.) Based on the contents of the magnetic stripe of the old transfer card stored and held by the stripe data reading / holding means 42, the same as the old transfer card is performed. The front transfer processing and the writing processing to the magnetic stripe are provided to the transfer card medium for new issuance, and the same contents as the old transfer card are created as the new transfer card.
[0018]
The reissue executing means 44 provides a process for discharging the new transfer card created by the new medium creating means 43 to the outside of the automatic transaction apparatus.
Here, as the final handling of the old transfer card, the old transfer card may be discharged to the automatic transaction apparatus at a specific timing, or may be taken into the automatic transaction apparatus as it is.
[0019]
Naturally, there are other functions related to the implementation of the present invention, for example, a main control function for controlling the entire processing, but the description of the embodiments does not particularly characterize the present invention. [0020]
Based on the above description, the operation of the present invention will be described more specifically according to an operation example flow chart using the image (example) of the transaction screen shown in FIGS. Each box in the figure is a display example of the display / input unit 1 (see FIG. 1) of the automatic transaction apparatus itself, and is hereinafter simply referred to as a screen.
[0021]
First, FIG. 5 is a flowchart of a first operation example of the present invention, in which only a reissue transaction of a transfer card medium is simply performed. Hereinafter, description will be given along the flow.
[0022]
S51: The "transfer card reissue" key is displayed on the initial guidance screen of the transaction, and when the customer desires to reissue the transfer card, the customer presses the key.
S52: The guidance for guiding the old transfer card to be inserted into the card handling / statement discharge unit 2 (see FIG. 1) of the automatic transaction apparatus is displayed.
(The above is based on the reissue instruction means 41.)
[0023]
When the customer inserts the old transfer card into the card handling and statement slip discharge section 2 (see FIG. 1) of the automatic transaction apparatus, the contents of the magnetic stripe of the old transfer card are read out and stored in the memory.
(The above is based on the stripe data reading / holding means 42.)
S53: For example, the guidance is displayed on the screen as shown in the figure, and the old transfer card is discharged to the card handling and statement discharge unit 2 (see FIG. 1) of the automatic transaction device. Note that the old transfer card does not have to be ejected here, and may be taken into the automatic transaction apparatus.
[0024]
S54: For example, a guidance screen as shown in the figure is displayed on the display screen, and one sheet is taken out of the stock of the transfer card medium for new issuance (not shown), and the contents of the magnetic stripe of the old transfer card stored and held earlier are displayed. The front transfer processing and the writing processing to the magnetic stripe are performed on the transfer card medium for new issuance in exactly the same manner as the old transfer card based on the old transfer card, and the same transfer card medium as that of the old transfer card is created as a new transfer card. .
(The above is based on the new medium issuing means 43.)
[0025]
S55: For example, a guidance as shown in the figure is displayed on the screen, and a new transfer card is issued from the card handling and statement slip discharging unit 2 (see FIG. 1).
(The above is based on the reissue execution means 44.)
[0026]
Next, FIG. 6 is a flowchart of a second operation example of the present invention. In the second operation example, a normal transfer process using a transfer card medium is performed, and the customer is guided to reissue a new transfer card during the transfer process. Actually, it is not a customer who only performs reissue as a transaction, but when a transfer transaction happens to be made with a transfer card medium as in this operation example, there is guidance from an automatic processing machine, where the transfer card medium is renewed and cleaned again. Some customers will issue it. Hereinafter, description will be given along the flow.
[0027]
S61: A key of "transfer card reissue" is not particularly provided on the initial guidance screen of the transaction, and the customer presses a normal "transfer key" to perform a transfer transaction.
S62: The customer inserts his / her old transfer card into the card handling / statement discharge unit 2 (see FIG. 1) of the automated teller machine according to the guidance on the screen as shown in the figure, for example.
[0028]
S63: As shown in the figure, the screen displays guidance indicating that normal processing is being performed. In the meantime, desired transfer processing is performed according to the contents of the old transfer card inserted earlier.
S64: Upon completion of the desired transfer processing in S63, guidance for guiding reissue to a new transfer card is displayed on the screen as shown in the figure, for example. A "transfer card reissue key" is provided here so that the customer can instruct reissue. If the customer wishes to reissue the new transfer card, he / she presses the key.
(The above is based on the reissue instruction means 41.)
[0029]
Then, the magnetic stripe content of the old transfer card that has been inserted earlier is read out and stored in the memory.
(The above is based on the stripe data reading and holding means 42.)
However, since this process is to be performed for the transfer process in S62 or S63, it can be said that it is not particularly necessary to perform this process in this step.
[0030]
By the way, there are some customers who do not need to reissue a new transfer card. In this case, for example, although not shown, a "key for giving an instruction that does not require reissuing" is also displayed, and if the key is pressed, the transaction is normally terminated.
[0031]
S65: For example, the guidance as shown in the figure is displayed on the screen, and the old transfer card is discharged to the card handling / statement discharge unit 2 (see FIG. 1) of the automatic transaction device. Note that the old transfer card does not have to be ejected here, or may be taken into the automatic transaction apparatus.
[0032]
S66: For example, the guidance as shown in the figure is displayed on the screen, one sheet is taken out of the stock of the transfer card medium for new issuance (not shown), and the magnetic stripe of the old transfer card previously stored and held is displayed. Based on the contents, provide the front-side printing process and the writing process to the magnetic stripe on the transfer card medium for new issuance in exactly the same way as the old transfer card, and use the same contents as the old transfer card as the new transfer card. create.
(The above is based on the new medium issuing means 43.)
[0033]
S67: For example, a guidance as shown in the figure is displayed on the screen, and a new transfer card is issued from the card handling / statement discharge unit 2 (see FIG. 1).
(The above is based on the reissue execution means 44.)
[0034]
【The invention's effect】
As described above in detail, the following effects can be expected according to the present invention. In other words, if you want to reissue an old transfer card that has become dirty or damaged, it is not necessary to issue a new transfer card medium through complicated and time-consuming operations such as input specification every time. As a result, reissuance becomes possible, the convenience is improved for the customer, the service is improved for the financial institution, and the operation efficiency of the automatic transaction apparatus is improved.
[Brief description of the drawings]
FIG. 1 is an external view of an automatic transaction apparatus.
FIG. 2 is a diagram showing an example of a transfer card medium.
FIG. 3 is a diagram showing an example of a data storage specification in a magnetic stripe.
FIG. 4 is a functional block diagram of an automatic transaction apparatus according to an embodiment of the present invention.
FIG. 5 is a flowchart of a first operation example of the present invention.
FIG. 6 is a flowchart of a second operation example of the present invention.
[Explanation of symbols]
DESCRIPTION OF REFERENCE NUMERALS 1 display / input unit 2 card handling / special paper discharge unit 3 passbook unit 4 deposit / withdrawal unit 21 front-side printing example 22 magnetic stripe 23 front-side printing editing / use example 41 reissue instruction means 42 stripe data reading / holding means 43 new medium creation Means 44 Reissue execution means

Claims (4)

A data acquisition and holding function for extracting information from the magnetic stripe data of the transfer card medium that has already been issued and holding the information,
An automatic transaction apparatus having a function of reissuing a transfer card medium having the same contents as the issued transfer card medium while keeping the information extracted from the data acquisition and holding function. In an automatic transaction device that can perform transfer transactions using transfer card media,
Reissue instruction means for instructing reissue of the transfer card medium;
Stripe data reading and holding means for reading the magnetic stripe data of the inserted and issued transfer card medium and holding it in the storage unit;
The data held by the stripe data reading and holding means is read, and based on the data, a front surface printing process and a magnetic stripe writing process on a new transfer card medium so as to have the same contents as the already issued transfer card. Means for creating a new medium for performing
An automatic transaction apparatus comprising: a reissue execution unit for issuing the transfer card medium created by the new medium creation unit. A program for realizing the function according to claim 1 in an automatic transaction device. A program for causing an automatic transaction device to function as the means according to claim 2.

Images