JP2547422B2 - Cash automatic handling method - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a cash automatic handling method in which a customer directly operates cash deposit and withdrawal, and in particular, a cash automatic processing apparatus which is a bank terminal. The present invention relates to an automatic cash handling method suitable for dealing with a lack of funds during unmanned operation.

[Conventional technology]

Recently, the automated cash handling system has been increasing the time of unmanned operation such as holiday operation and 24-hour operation. Therefore, the emergence of a system that can handle the automatic cash processing device during unmanned operation is expected. It is rare. By the way, in the conventional automatic cash handling system, when the automatic cash processing device stops due to zero cash remaining amount or a failure of the cash transport system during unmanned operation, the customer may use another automatic cash processing device in the same store or a nearby cash processing device. I was searching for and using one of the cash processing machines of other business offices that worked properly.

[Problems to be solved by the invention]

However, in the above-mentioned conventional automatic cash handling system, when the business closing time is near, it may not be in time for business due to lack of line of customers and time to move to other business shops. However, the cash balance of the automatic cash processing device may be zero or insufficient, and the user may have to go to another branch office, which causes a service problem for the customer.

An object of the present invention is to provide an automatic cash handling system which can be used as a transaction reservation inputting means to another cash automatic processing device which is normally operating, because the cash automatic processing device stopped due to lack of funds or failure of the cash transport system. To provide a method.

[Means for solving problems]

To achieve such an object, the present invention is a cash transfer handling method in which a plurality of automatic cash processing apparatuses for depositing and withdrawing money by using a card or a passbook are connected in parallel to a center computer through a communication line, and the first automatic cash processing apparatus is stopped. In this case, the first automatic cash processing apparatus reserves the transaction with respect to the other second automatic cash processing apparatus.

[Action]

According to the above-described configuration, the automatic cash processing apparatus stopped due to lack of funds or failure of the cash transport system is operated by card input, key input,
Since the display unit and the communication unit operate normally, the display unit displays the stoppage, the reservation handling and the guidance of the cash automatic processing apparatus in the vicinity in operation, and accepts the reservation input for the transaction. At the same time, the reservation details are displayed. The reservation contents are sent to the reserved automatic cash processing apparatus via the communication line. The automatic cash processing apparatus secures the reservation amount and extends the business end time by the time required for the customer to move.

〔Example〕

Hereinafter, the present invention will be described based on the embodiments shown in FIGS. 1 to 5.

FIG. 1 shows a schematic diagram of an automatic cash handling system according to the present invention. In the automatic cash handling system 1 of the present invention, a plurality of automatic cash processing apparatuses (hereinafter referred to as ATM) 2 are connected to a center computer 3 in parallel by a communication line 5.
For example, in the branch A, the first ATM 2A is connected to the center computer 3 by the communication line 5A, and the other ATM, for example, the second ATM in the branch B.
ATMs 2B are connected to the center computer 3 by communication lines 5B.

The ATM2 inputs the card 6 into the card processing unit 8 and displays the personal identification number and transaction amount on the keyboard according to the display on the CRT display unit 9.
Input from 10 and communicate transaction information with the center computer 3 via the computer 11 and the communication line 5. If the transaction is normal, the cash transport system 13 having a built-in safe for accommodating the cash 12 is operated to deposit and withdraw cash.

FIG. 2 shows the appearance of the ATM 2. The operation mode display section 14 has a display of a reservation in addition to deposit, withdrawal (payment), and cancellation. Reference numeral 15 is a card insertion slot that forms a part of the card processing unit, 16 is a cash deposit / withdrawal slot that forms a part of the cash transport system 13, 18 is a passbook insertion slot, and 19 and 20 are transaction selections that configure the keyboard 10. Key and numeric keypad.

Then, cash 12 is placed in the safe of the cash transport system 13 of the first ATM 2A.
If the first ATM2A is stopped due to the lack of money or the cash transport system 13 malfunctioning, the first ATM2A is replaced by another ATM2 that is operating normally.
Is configured to operate as a reservation input device. For example, if the reserved ATM is the second ATM 2B of the business office B, the second ATM 2B receives the reservation details input by the first ATM 2A from the center computer 3 by communication, and the reserved amount of cash 12 is transferred to the second ATM 2B. Secure it in the safe of cash transport system 13. And the reservation customer comes and gives the card 6 to the second ATM2B
When the personal identification number is input from the keyboard 10 and the personal identification number is input from the keyboard 10, whether or not the reserved customer is normal is determined by communication with the center computer 3 via the computer 11. When it is judged that the reserved customer is normal,
When the reservation details are displayed on the CRT display unit 9 and the confirmation key is input, the cash 12 is withdrawn from the cash box of the cash transport system 13.

 Next, the operation of the embodiment of the present invention will be described.

FIG. 3 shows a flowchart of the operation of the first ATM 2A in the reservation mode, and FIG. 4 shows the contents displayed on the CRT display section 9. When the cash of the cash transfer system 13 of the first ATM 2A is full or low, the reservation mode is set, the operation mode display unit 14 is displayed as a reservation handling display, and the CRT display unit 9 is displayed in FIG. 4 (a). The display contents during the reservation handling shown are displayed (step 100). Insert the card 6 from the card insertion slot 15 (step 110) and enter the PIN with the transaction selection key 19 (step 120). If the PINs match, it is determined that the transaction is normal, and the reservation transaction amount of the reserved customer is input. Is accepted (step 130), and the CRT display section 9 is displayed in FIG. 4 (b).
The reservation machine designation display contents shown in (1) are displayed, and the reservation customer designates the reservation machine by inputting the number of the reservation machine with the ten keys 20 (step 140). The ATM 2A shown in FIG. 1 sends the reservation details to the center computer 3 via communication to make a reservation for withdrawal to the reservation machine (step 150), and the CRT display unit 9 displays the reservation details shown in FIG. 4 (c). Press the confirmation key to ask the reservation customer to confirm (step 160). After confirmation,
The reservation machine has a second AT at another branch B as shown in FIG.
In the case of M2B, as shown in FIG. 4 (d), guidance such as a map of the business office B is given (step 170), and the card 6 is ejected (step 180). Also, if the reservation machine is at another branch office like this, it will take time to move, so
Calculate the travel time, and if it is not in time for business hours, consider the arrival time and extend the business time
It is displayed as shown in FIG.

A flow chart of the operation of the reserved second ATM 2B is shown in FIG. Receiving the reservation communication (step 200), securing the reservation money (step 210), calculating the travel time of the reserved customer (step 220), and extending the business hours according to the travel time of the reserved customer (step 230). ). The reserved customer arrives and inserts the card 6 from the card insertion slot 15 (step 24
0) Then, the personal identification number is input by the transaction selection key 19 (step 250). If the personal identification numbers match, it is determined that the transaction is normal, and the reservation details are displayed on the CRT display section 9 (step 260). When the reservation customer presses the confirmation key to confirm, the transaction details are communicated to the center computer 3 (step 270), the card, cash and statement slip are released (step 280) and the reservation is canceled (step 290).

If the reservation customer does not arrive by the reservation time, the reservation is canceled. In addition, in order to prevent unreasonable reservations, if you set a limit on the reservation deposit or did not make a reservation and make a transaction, that is, if you abandon the reservation, record the number of times and reach the predetermined number In such a case, or if the number of times reaches a certain number in a row, take measures such as not allowing the reservation handling of the account.

According to the present embodiment, the ATM2 that has run out of funds can be used as a reservation input device, and
You can make a reservation even if the ATM2A of the ATM is discontinued, so you can arrange it in another ATM2 and discontinue it there,
Alternatively, it is possible to prevent the service from being deteriorated without giving the user anxiety that the business hours cannot be reached in time to move to another business store.

〔The invention's effect〕

As described above, according to the present invention, even if the ATM stops due to lack of funds or the cash transport system with the highest failure rate fails,
Since the TM can be used as a reservation input device for other normally operating ATMs, it is possible to improve the service to customers and improve the ATM operating rate and the fund operation efficiency. There is an effect.

[Brief description of drawings]

FIG. 1 is a schematic view of an automatic cash handling system according to the present invention, FIG. 2 is a perspective view showing the appearance of an automatic cash processing apparatus, and FIG. 3 is a flowchart showing the operation of the automatic cash processing apparatus on the reservation input side. FIG. 4 is an explanatory view showing the contents displayed on the CRT display unit shown in FIG. 3, and FIG. 5 is a flow chart showing the operation of the automatic cash processing apparatus on the reserved side. 1 ... Automatic cash handling system, 2 ... Automatic cash processing device, 2A ... First automatic cash processing device, 2B ... Second automatic cash processing device, 3 ... Center computer, 5 (5A, 5B) ...... Communication line, 6 …… Card.

 ─────────────────────────────────────────────────── ─── Continuation of the front page (56) References JP 63-6660 (JP, A) JP 63-205766 (JP, A) JP 61-28184 (JP, A)

Claims (9)

(57) [Claims] 1. In an automatic cash handling method in which a plurality of automatic cash processing apparatuses for depositing and withdrawing money using a card or a passbook are connected in parallel to a center computer through a communication line, when the first automatic cash processing apparatus stops, An automatic cash handling method, characterized in that a transaction reservation is input from one cash automatic processing device to another second cash automatic processing device. 2. The automatic cash handling method according to claim 1, wherein the status of another cash automatic processing apparatus in the vicinity is displayed on the first cash automatic processing apparatus. 3. The automatic cash handling method according to claim 2, wherein the user can select an automatic cash processing apparatus reserved from the contents displayed on the first automatic cash processing apparatus. 4. A map, a route, an address, and a handling time are displayed on the first cash automatic processing apparatus when the selected cash automatic processing apparatus is another branch office. The automatic cash handling method described in paragraph 3. 5. The automatic cash handling method according to claim 1, wherein the second automatic cash processing apparatus secures a reserved deposit / withdrawal amount for a predetermined time. 6. The automatic cash handling method according to claim 5, wherein the predetermined time for securing the reserved deposit / withdrawal amount is set in consideration of the time required for the user to move. . 7. The second automatic cash processing apparatus is the first cash processing apparatus.
If it is installed in another business store different from the automatic cash processing apparatus, the second automatic cash processing apparatus displays the reservation handling, and the first automatic cash processing apparatus performs the second automatic cash processing. The automatic cash handling method according to claim 1, wherein the handling time is extended by a predetermined time in anticipation of a time required for the customer to move to the processing device. 8. The automatic cash handling method according to claim 1, wherein the second automatic cash processing apparatus cancels the reservation when the customer does not arrive by the reserved time. 9. The automatic cash handling method according to claim 1, wherein the reservation handling is not permitted when the number of reservation abandonments reaches a predetermined number continuously or cumulatively.