JP2511017B2 - Automatic cash transaction processing method - Google Patents

Description

The present invention relates to a cash automatic transaction processing method, and more particularly to a cash automatic transaction processing method suitable for processing unregistered data associated with card transactions by a cash automatic transaction device.

[Conventional technology]

In the conventional automatic transaction processing method, Japanese Patent Laid-Open No. 60-2
As described in Japanese Laid-Open Patent No. 62276, the card user of the automated teller machine is instructed to inquire about the unregistered book data before the end of the card transaction, and at the time of the inquiry, the user must delete and store the unregistered book data. Was instructed by.

[Problems to be solved by the invention]

In the above-mentioned conventional technology, the inquiry of the unregistered book data and the processing of erasing or saving are performed for the user of only the card not possessing the passbook, but regarding the point that the user is recommended to record the unregistered book data Is not considered,
In addition, there is a problem that the unregistered book data increases without being erased when the user instructs to save the unregistered book data.

Further, if the unregistered book data is inquired, erased, and stored for each card transaction from a stage where the unregistered book data is small, the use efficiency of the automated teller machine may be deteriorated.

The object of the present invention is to improve such problems, prompt the user to enter a passbook, suppress the increase of unrecorded data as much as possible, and automate the inquiry and notification work of unrecorded data. It is to improve operational efficiency and save banking work.

[Means for solving problems]

The cash automatic transaction processing method of the present invention is to insert a card or passbook into a terminal device and perform cash deposit / withdrawal processing by communication between the terminal device and the center. When the number of unrecorded data recorded on the center side reaches a predetermined number at the time of a transaction, when the guidance display prompting the user to enter a passbook transaction in the next transaction is displayed, and the next transaction is a card-only transaction. ,
The feature is that the unregistered book data on the center side is erased by printing a single sheet of the unregistered book data.

[Action]

The unregistered book data registered in the center file allocated to each account is deleted in the passbook transaction, but increases each time the user makes a card transaction, so the maximum allowable number of unregistered book data set in advance And compare
If it is less than the set value, the transaction is finished as it is. When the set value is reached, the user is informed that the unbooked data is full and a guidance prompting the user to book in the passbook transaction in the next transaction. As a result, the user knows that the unregistered book data is full, and in the next transaction, performs the passbook transaction to erase the unregistered book data in the center file and the unregistered book data in the center file. However, in the next transaction, if a card transaction is made again,
By notifying the user of unregistered data and deleting the unregistered data from the center file, the number of unregistered data can be suppressed within a certain value, and the system can be operated efficiently. .

〔Example〕

Hereinafter, the present invention will be described in more detail with reference to the embodiments shown in the accompanying drawings.

FIG. 1 is a flowchart showing an embodiment of the automatic cash transaction processing method of the present invention. Step 10 as shown
When the card is inserted in 1 and the personal identification number and the billing amount are input in steps 102 and 103, communication with the center is performed in step 104. When communicating with this center, the number of unregistered book data is also merged and received. Step
In parallel with the process at 104, the processes at steps 105 and 106 are performed. In step 105, deposits, withdrawals, etc. are printed on the passbook, and in step 106, the user's name, account number, etc. are carbon copied from the card.

Next, the processes of steps 107, 108 and 109 are performed in parallel. That is, the transaction amount and the like are printed on the slip in step 107, cash counting processing is performed in step 108, and predetermined items are recorded on the magnetic stripe of the card in step 109.

After the above series of transaction processing is performed, in step 110, it is determined whether or not the number of unregistered book data received by the center communication has reached a preset maximum allowable number. If it is determined that the number is less than the maximum allowable number, in step 114, card, slip, and cash medium processing is performed and the transaction ends. When it is determined that the number of unregistered data items matches the maximum allowable number, the full count of unregistered data items is reported to the center in step 111, and the number of detections is updated. Next, in step 112, it is determined whether the fullness detection is the first time or the second time based on the fullness detection frequency information from the center. Figure (a)
By displaying the guidance as shown in, notification that the unbooked data is full is notified and the bookkeeping process using the passbook is prompted for the next transaction. And step 114
At, the card, the slip, and the cash are discharged, and the processing is ended.

In step 112, it is detected that the unbooked data is full.
If it is determined that it is the first time, the guidance shown in FIG. 2 (b) is displayed in step 116, and in parallel with this, in step 115, a transmission request of unrecorded book data is issued to the center. The unregistered book data received at 117 is printed on a single slip as shown in FIG. 3, and after printing, the unregistered book data in the center is erased. Finally, in step 118, each medium including a single ticket is discharged to end the transaction.

In this way, it is possible to reliably notify the user of the unrecorded book data and to suppress the unrecorded book data of the center file to a certain capacity or less.

In this embodiment, the payment transaction is described, but the same applies to other card transactions. Further, although the guidance is displayed on the display device when the first unrecorded book data is detected to be full, the guidance may be printed on a slip or voice. The same applies to the second fullness detection,
In this embodiment, the unrecorded book data is printed on a single slip, but it may be printed on another medium or only displayed on the screen. Furthermore, there is also a method in which the first and second determinations of fullness detection are made by recording on a medium such as a card, instead of making an inquiry to the center.

〔The invention's effect〕

As described above, according to the present invention, by promoting the bookkeeping transaction to the user, it is possible to surely suppress the unbooked data in the center file to a fixed amount without degrading the service. Can be effectively used and the operational efficiency of the entire system is improved. In addition, since the present invention can automatically inquire the unregistered book data to the user, which has been performed by the bank at regular intervals, it is also effective in omitting the banking business.

[Brief description of drawings]

FIG. 1 is a flow chart showing an embodiment of the automatic cash transaction processing method of the present invention, FIGS. 2 (a) and 2 (b) are views showing an example of guidance display in the embodiment shown in FIG. 1, and FIG.
FIG. 1 is a diagram showing an example of a print slip of unrecorded book data in the embodiment shown in FIG. 101-118 ... Processing steps

Claims (1)

(57) [Claims] 1. A cash automatic transaction processing method in which a card or passbook is inserted into a terminal device and a cash is deposited or withdrawn by communication between the terminal device and a center, when only a card without a passbook is transacted. When the number of unrecorded data recorded on the center side reaches a predetermined number, a guidance display prompting the user to book by a passbook transaction is displayed in the next transaction, and if the next transaction is a card-only transaction, unrecorded An automatic cash transaction processing method, characterized in that data is printed in a single form and unregistered data on the center side is erased.