JP2504025B2 - Transaction processor - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application This invention is an automatic teller machine (AT) capable of withdrawal transactions.
M) and automatic withdrawal machines (CDs).

(B) Summary of the Invention In summary, the transaction processing apparatus according to the present invention is a cash discrimination means for discriminating the cash collected by the cash collecting means and a cash collecting means for collecting the cash when the cash is forgotten during the payment transaction. Means and the collected cash depositing means for depositing the amount into the customer's account to eliminate the restoration work of the staff and improve the operation efficiency.

(C) Conventional Technology At the time of payment transaction in the transaction processing device, the customer may forget some or all of the cash discharged by the device,
In such a case, if the cash remaining in the cash discharging unit is left unattended, it not only damages the forgotten customer, but also
This will contribute to the occurrence of crimes and, in turn, the credibility of financial institutions. Therefore, in the conventional transaction processing device,
After the payment transaction, the cash release unit detects the presence of cash,
When the cash remains in the cash discharging unit even after a lapse of a predetermined time after the payment transaction, the cash is collected in the device. Along with this, the staff is urged to process, and the staff takes out and stores the cash collected in the device,
The cash was returned to the customer specified by the transaction data at the time of the payment transaction in which forgetting to collect cash occurred.

(D) Problems to be Solved by the Invention However, in the above-described conventional transaction processing device, since the amount of collected cash is unknown, it is possible to forget to collect cash under unmanned operation in a mechanized store or a store operating on holidays. I can't handle it. That is, the collected cash is stored in one collection box, and if a customer of another payment transaction forgets to collect the cash after the cash has been forgotten before the attendant stores this cash, multiple payments will be made. The cash related to the transaction is mixed in the collection box, and it is unknown how much cash should be returned to each of the plurality of customers. Therefore, in the past, when forgetting to collect cash occurs in a transaction processing device under unmanned operation, the transaction must be stopped until a clerk visits the transaction processing device and stores the cash collected by the device. There was a downside.

An object of the present invention is to discriminate the amount of cash that has been forgotten in a payment transaction and to deposit the amount to the customer's account so that even if the forgotten cash of a plurality of customers is mixed in the collection box, It is an object of the present invention to provide a transaction processing device capable of accurately returning cash forgotten to a customer by depositing money into an account, preventing damage and crime of the customer, and improving operating efficiency.

(E) Means for Solving Problems The transaction processing device of this occurrence includes a customer data storage means for temporarily storing customer data, a cash detection means for detecting the presence / absence of cash in the cash dispenser, and a cash detection means. When cash is continuously detected for a predetermined time, the cash collecting means collects the cash in the device, the cash identifying means for identifying the cash collected by the cash collecting means, and the customer data storage regarding the amount identified by the cash identifying means And a collected cash depositing means for depositing money to an account specified by customer data stored in the means.

(F) Function In the present invention, when cash is forgotten during the payment transaction, the cash detection means detects this and the cash is collected in the device by the cash collection means. The cash collected in the device is discriminated by the cash discriminating means, and the amount of the forgotten cash is deposited in the account specified by the customer data stored in the customer data storage means at the start of the transaction.

(G) Embodiment FIG. 1 is an external view of an ATM which is an embodiment of the present invention.

On the vertical panel surface of the customer operation panel of the ATM6, there are provided a handling indicator 61 for displaying the handling status when the device is in operation, a passbook insertion slot 62 for inserting a bankbook and a card insertion slot 63 for inserting a card. And a banknote deposit / withdrawal port on the horizontal panel surface.
64, CRT65 and coin deposit / withdrawal section 67 are installed. CRT
Touch panel switch 66 is attached to the surface of 65,
Detects the presence or absence of a finger touching the CRT65 and its position. At each stage of the transaction, selection keys and ten keys for selecting the transaction contents are displayed on the CRT 65, and the touch panel switch 66 detects the pressing of those keys by the customer. The transaction slip is discharged from the passbook insertion slot 62, and the card deposit certificate when the card cannot be returned is also discharged.

FIG. 2 is a diagram showing a configuration of the banknote processing unit of the above ATM.

ATMs 6 are equipped with safes 21-23. Bills of different denominations are stored in the safes 21 to 23, respectively. Further, a collection box 24 and a forgotten collection box 25 are provided. The collection box 24 stores bills that are severely damaged. The forget-to-take recovery box 25 stores the forget-to-take banknotes that have been discharged to the discharge port 64 for a predetermined time.

At the time of payment transaction, banknotes are carried out from the safes 21 to 23, and after being discriminated by denomination in the discrimination section 26, they are temporarily stored in the temporary store section 27. When the required amount of banknotes are carried out from the safes 21 to 23 and all the banknotes necessary for the payment transaction are stored in the temporary store section 27, these are discharged to the banknote deposit / withdrawal port 64. The bill deposit / withdrawal port 64 also serves as the cash dispenser of the present invention. The banknotes that cannot be discriminated by the discriminating unit 26 are stored in the non-discriminating unit 28. The banknote deposit / withdrawal port 64 is equipped with a banknote sensor 68, and after the payment transaction is completed, the banknote deposit / withdrawal port 64 detects the presence or absence of banknotes.

At the time of deposit transaction, the banknote set in the banknote deposit / withdrawal port 64 is guided to the discrimination section 26 to discriminate the denomination. The banknotes for which discrimination has been completed are stored in the temporary store section 27, and when all of the banknotes set in the banknote deposit / withdrawal port 64 are stored in the temporary store section 27, the total of the set banknotes is displayed on the CRT 65, and the customer Wait for confirmation and store in safes 21-23. At this time, the severely damaged banknotes are stored in the collection box 24.

 FIG. 3 is a block diagram of the ATM control unit.

Each input / output device constituting the ATM 6 is connected to the CPU 41 via an interface 44. The CPU 41 controls these input / output devices according to a control program stored in the ROM 42 in advance. The RAM 43 is used as a working area during the program processing of the CPU 41. The memory area M1 of the RAM 43 is the customer data storage means of the present invention, and temporarily stores the customer data relating to the transaction being executed. Of the input / output devices, the card processing unit 45 reads the data stored in the inserted card. The passbook printer 46 performs passbook entry and the like on the inserted passbook. The bill processing unit 48 and the coin processing unit 49 process bills and coins for deposit or payment. The slip processing unit 49 prints the result of the transaction as a slip. The communication processing unit 50 transmits / receives data to / from a remote monitoring device (hereinafter referred to as RMC) of a branch and a central monitoring device (hereinafter referred to as CRMC) of a center, which will be described later. Note that CR
The T65, the touch panel 66, and the bill sensor 68 are as described above.

FIG. 4 is a flowchart showing a part of the operation of the above ATM.

When a passbook or a card is inserted into the passbook insertion slot 68 or the card insertion slot 63 (n1), the transaction selection menu is displayed on the CRT 65, and the customer sets a transaction by pressing the displayed key (n2). At this time, the customer data recorded on the medium is read and stored in the memory area M1 of the RAM 43 (n3, n4). When a payment transaction is set up by the customer (n
5) Prompt for the personal identification number, and when the personal identification number is entered (n6), it is checked whether or not the number matches the number recorded in the passbook or card (n7). After this, when the customer sets and inputs the payment amount (n8), the center inquires about the transaction data (n9) and checks whether or not the transaction is possible (n10).

When the payment transaction is possible, the input amount is discharged to the bill deposit / withdrawal port 64 (n11), and the timer is turned on (n12). This timer measures a predetermined time set in advance, and when receipt of cash is completed before the timer times out, the passbook or card is returned and the next transaction is awaited (n13 → n
1).

Even if the timer is up, if there are banknotes remaining in the banknote deposit / withdrawal port 64, the banknotes are taken in (n14 → n1
5), the discrimination unit 26 discriminates the amount (n16). Next, the customer data stored in the memory area M1 of the RAM 43 is read (n17), and the amount of money discriminated to the account specified by the customer data is deposited (n18). If the PIN entered in step n7 does not match the number recorded in the passbook or card, or if payment transaction cannot be made in step n10, the passbook or card is returned and the transaction is cancelled ( n19).

In the above, steps n14 and n15 correspond to the cash collecting means of the present invention, step n16 also corresponds to the cash discriminating means, and steps n17 and n18 also correspond to the collecting cash depositing means.

As described above, according to the present embodiment, when the cash transaction is not completed for a predetermined time after the cash is released in the payment transaction, the cash is taken in and the amount of money is discriminated by the discrimination unit. The customer data read from the medium inserted at the start of the transaction processing is stored in the RAM 43, and the discriminated amount together with this customer data is transmitted to the center as deposit data.

(H) Effect of the Invention According to the present invention, when cash is forgotten during a payment transaction, the cash is collected in the device and the amount of money is discriminated. Deposit processing of the amount is executed to the specified account. Therefore, the clerk does not need to perform recovery processing, and can deal with unmanned operations such as mechanized stores and holiday stores. Further, since it is not necessary to wait for the processing by the staff, the next transaction can be continuously executed, and the operation efficiency of the device can be improved.

[Brief description of drawings]

FIG. 1 is an external view of an ATM according to an embodiment of the present invention, FIG. 2 is a diagram showing a configuration of a banknote processing unit of the same ATM, FIG. 3 is a block diagram of a control unit of the same ATM, and FIG. It is a flow chart which shows a part of processing operation of ATM. 6 ... ATM, 64 ... Banknote deposit / withdrawal port, 68 ... Banknote sensor.

Claims (1)

(57) [Claims] 1. A customer data storage means for temporarily storing customer data, a cash detecting means for detecting the presence or absence of cash in a cash discharging unit, and a cash detecting means for storing cash when the cash is continuously detected for a predetermined time. A cash collection means for collecting in the device, a cash discrimination means for discriminating the cash collected by the cash collection means, and an account specified by the customer data stored in the customer data storage means for the amount identified by the cash discrimination means. A transaction processing device provided with a collected cash depositing means for depositing money.