JP2611878B2 - Automatic trading system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system installed in a financial institution or the like and an automatic transaction system comprising a center connected to the device via a communication line.
In particular, the present invention relates to an automatic transaction system having an automatic transaction device that executes a transfer process using a transfer card.

[0002]

2. Description of the Related Art Automated transaction machines automatically execute payment processing, payment processing, and the like by the operation of a customer. Recently, apparatuses capable of executing various kinds of transfer processing have been put to practical use. That is, when the transfer information is input by the customer, the automatic transaction apparatus having the transfer processing function communicates with the center (host computer or the like) based on the transfer information, and transmits the transfer destination information stored in the center file. The payment processing is promoted based on the result of the collation, and the transfer processing is executed.

[0003] Since payment of a rent, a loan, or the like is regularly made at a fixed amount, a transfer card for use a plurality of times has recently been used. This transfer card records the transfer information such as customer number, transferee company name (code), financial institution code and account number on a magnetic stripe, and when the transfer card is inserted into an automatic transaction device, the transfer information is read. Then, the transfer process is executed, and at the end of the transfer process, it is discharged from the device and returned to the customer. Meanwhile, electricity rates,
With respect to public charges such as gas charges and water charges, and taxes paid to local governments and the national treasury, the transfer processing is automatically executed by inserting the transmitted transfer slip into the automatic transaction device.

[0004]

However, when the transfer slip is used for the transfer processing of the automatic transaction apparatus, an optical character recognition mechanism, a bar code reading mechanism, an image reading, and the like are required to correspond to the transfer slip format and the like. A transport and handling mechanism that can handle various types of transfer slips, a mechanism that cuts and issues the receipt part of various transfer slips, and a classified and stored transfer slip after the transfer processing has been completed. It is necessary to further provide a mechanism for performing such operations. Therefore, there is a disadvantage that the automatic transaction apparatus becomes large and very expensive.

In addition, there are thousands of types of transfer slips for utilities and taxes, and it is practically difficult to develop an automatic transaction apparatus that can use all of these transfer slips. It is possible to develop an automatic transaction device with limited available transfer slips,
In this case, it is necessary to select a transfer slip corresponding to the device, and as a result, the utilization rate decreases. The present invention has been made in order to solve such a point, and to provide an automatic transaction system capable of performing a transfer process such as a utility bill or a tax with an inexpensive configuration without increasing the size of the automatic transaction apparatus. It is an object.

[0006]

SUMMARY OF THE INVENTION The automatic transaction system of the present invention focuses on the fact that the transfer amount is different for each transfer process in a utility bill or the like, and can be used only once in one transfer process. The feature is that a transfer card is used.
That is, the present invention relates to an automatic transaction apparatus which is connected via a communication line to a center holding transferee information and executes a transfer process by inserting a transfer card, a one-time transfer card used only for one-time transfer process, and Card identification data for determining any one of a plurality of transfer cards used in the transfer process,
Comparing the read data read from the transfer card and determining if the transfer card is a one-time transfer card; a loading enable / disable determination means for outputting a capture command; a card loading unit for loading the one-time transfer card; An automatic transaction system, comprising: card receiving control means for controlling a card receiving unit in response to a transfer command and executing a one-time transfer card receiving process.

Another aspect of the present invention is to provide the above-described automatic transaction apparatus with a card identification for determining one of a one-time transfer card used only for one-time transfer processing and a plurality of transfer cards used for plural-time transfer processing. The data and the read data read from the transfer card are compared, and if it is determined that the transfer card is a single transfer, a reusability / non-use determination unit that outputs a non-reusable instruction and a once transfer card reusable process is executed. An automatic transaction system, comprising: a reusable processing unit that discharges and rejects, and a reusable control unit that controls the reusable processing unit in response to the reusable instruction and executes the reusable processing. It is.

[0008]

[Function] The acceptability / non-acceptance determination means compares the card identification data with the read data of the transfer card, determines whether the card is a single transfer card or a plurality of transfer cards, and determines that the card is a single transfer card. Output capture command. The card take-in control means controls the card take-in unit in accordance with the take-in instruction, and makes the card take-in unit take in the transfer card once. The reusability / non-usability determination means compares the card identification data with the read data of the transfer card, and outputs a reusable command when the card is determined to be a transfer card once. The unusable control unit controls the unusable processing unit with the unusable instruction, and causes the transfer card to execute the unusable process once.

[0009]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a block diagram of an automatic transaction system according to the present invention, and FIG. 2 is a perspective view of an automatic transaction device constituting the system. In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, and the apparatus 1 includes a main control unit 2. The main control unit 2 controls the entire apparatus and controls each unit.
Reference numeral 3 denotes a card reader / writer unit, which includes a reading head for reading a customer's password, account number, and other data from a magnetic stripe of a transaction card including a transfer card inserted into a card insertion / ejection port 4 (see FIG. 2). It has a card reader section and a card writer section including a write head for writing predetermined data on a magnetic stripe of the transaction card. Reference numeral 5 denotes an emboss reader, which optically reads embossed characters, printed characters, and the like on the surface of the transaction card and outputs the data as image data. This image data is stored in the memory unit of the receipt printer unit 6. The receipt printer unit 6 has a foldable receipt sheet and an auxiliary receipt sheet for auxiliary use, and has a feeding mechanism for these sheets, a print head, a cutter, and the like. Numeral 7 is a card issuing unit, which has a card storage portion for storing unused transfer cards, and feeds out the stored cards when issuing transfer cards for a plurality of times to be used for the transfer process repeatedly. Reference numerals 8 and 9 denote a banknote pay-in / pay-out machine and a coin pay-in / pay-out machine, which execute denomination, authenticity, counting, and the like of banknotes or coins inserted for a transfer process and the like, and dispose of a change as necessary. Slot 10 or coin deposit and withdrawal slot 11 (see FIG. 2)
Discharge more. A card printer 12 has a print head for visually printing predetermined information on the surface of the transaction card. Reference numeral 13 denotes a CRT display, which is used when displaying instructions and messages necessary for the operation of the customer and when displaying the amounts of deposits and withdrawals. On the CRT display 13, a touch panel 14 is provided. The touch panel 14 is used when a customer inputs a personal identification number, confirmation, and the like with a finger.

The automatic transaction apparatus 1 further includes a card identification data memory 15 and a card receiving unit 16. The card identification data memory 15 stores data for identifying a one-time transfer card used for one transfer and a plurality of transfer cards used for a plurality of transfers.
The card identification data is composed of, for example, company name data for taking in a card and company name data for which card taking is unnecessary. The company name that does not need to be imported corresponds to the company listed (recorded) on the transfer card multiple times. The card taking-in unit 16 is composed of a card taking-in box for taking in a one-time transfer card, a taking-in path for introducing cards into the taking-in box, and the like.

Further, the automatic transaction apparatus 1 is provided with an acceptability / non-acceptability determination means 17 and a card capture control means 18. The acceptability / non-acceptance determination unit 17 compares the card identification data with the read data read from the transfer card, determines whether the transfer card is a single transfer card or a plurality of transfer cards, and determines that the transfer card is a single transfer card. If so, a fetch instruction C is output. That is, in the present embodiment, the acceptability / non-acceptability determination means 17 selects the company name data from the data read from the transfer card, searches the card identification data memory 15 based on the company name data, It is determined which of the company name data to be imported and the company name data not to be imported exist, thereby determining whether the transfer card is a one-time transfer card or a multiple-time transfer card. Receiving the capture command C, the capture control means 18 controls the card capture unit 16 to cause the card capture box to capture the transfer card once. In FIG. 2, 1
Reference numeral 9 denotes a handling business display section, which displays current business subjects such as "transfer / transfer", "deposit", "payment", and "passbook entry". Reference numeral 20 denotes a passbook insertion / ejection port. 21 is a receipt discharge port.

In FIG. 1, a communication control unit 22 connected to a main control unit 2 is connected to a center 24 via a communication line 23.
Is connected to the communication control unit 25. This communication control unit 2
Reference numerals 2 and 25 control transmission and reception of communication. The center control unit 26 of the center 24 controls each unit in the center 24, and is connected to a file control unit 27. The file control unit 27 accesses the center file 28 and writes or reads predetermined data. The center file 28 stores, for example, a transfer financial institution name (code) and an account number for each company name (code) as a transfer destination, and stores a customer for each customer in correspondence with each company name (code). The customer number, the name, the address, the contract conditions, the billed amount, the corresponding month, etc. to be specified are stored.

FIG. 3 shows a one-time transfer card 29 used for one-time transfer. The transfer card 29 is sent to the customer as a transfer card for the electricity bill from the transfer destination (electric power company) instead of a transfer slip, and the address and name of the customer are printed on the front surface. A magnetic stripe 30 is provided on the back surface of the transfer card 29. The data format recorded on the magnetic stripe 30 is shown in FIG. That is, the first track has a “start code” indicating the start of reading, and an “ID” for identifying the customer.
"Mark", "Card classification" indicating the transfer card, "Customer number" set by the transferee, "Contract conditions" indicating the used ampere, etc., "Charged amount" of consumed electricity, "Expiration date" when the card can be used The "financial institution code" and "account number" of the transfer destination, a "spare field" for recording other data, an "end code" indicating the end of reading, and a "CRC" for redundancy check are recorded. I have. In the third track, "start code", "ID mark", "card classification", "name" of customer, "spare field", "end code", and "CRC" are recorded.

Next, the operation of the automatic transaction system of the present invention will be described. First, the main controller 2 of the automatic transaction apparatus 1 controls the CRT display 13 to display a transaction selection display on its display screen. In this display, when the customer selects “transfer” and presses the touch panel 14, the display shown in FIG. 5A is performed on the CRT display 13. In this display, when the customer selects "Electricity" and presses the touch panel 14, a display for confirming the presence or absence of the transfer card shown in FIG. When the customer selects “Yes” and presses the touch panel 14, “Please insert a card.” Is displayed on the screen of the CRT display 13.

Thus, when the customer inserts the transfer card 29 into the card insertion / ejection port 4 of the apparatus 1 once, the card is sent to the card traveling path in the apparatus 1 and is conveyed to the card reader / writer unit 3. In the reader / writer unit 3, the data of the magnetic stripe 30 of the one-time transfer card 29, that is, the data of the first track and the third track shown in FIG. The read data is stored in a memory provided in the reader / writer unit 3 or a memory of the main control unit 2.

The main control unit 2 selects a "company name (code)" and a "customer number" from the data read from the card 29, and displays "Processing ..." on the screen of the CRT display 13 as shown in FIG. Is displayed at the same time as the communication control unit 2
Activate 2 The communication control unit 22 activates the communication control unit 25 of the center 24, and transmits “company name (code)” and “customer number” together with necessary data via the communication line 23.

On the center 24 side, a center control unit 26
Performs control such as outputting a reception confirmation signal, and outputs “company name (code)” and “customer number” to the file control unit 27. The file control unit 27 searches the center file 28 based on the “company name (code)”, selects the corresponding company, specifies the customer's data part by the “customer number”, and the name, address, and billing amount. , And transfer data to the communication control unit 25 via the center control unit 26. The communication control unit 25 transmits the transfer data to the communication control unit 22 of the automatic transaction device 1 via the communication line 23.

When the main controller 2 receives the transfer data from the center 24, it compares the transfer data with the read data read from the single transfer card 29. If the two data match in this comparison, the read data is sent to the CRT display 13. The CRT display 13 edits the read data and displays the customer's “name”, “address”, “transfer amount”, and “monthly amount” as shown in FIG.

When the customer confirms this display, selects "confirm" and presses the touch panel 14, a display urging the user to insert cash is displayed together with the amount of money, as shown in FIG. When the customer inserts bills and coins into the bill depositing / dispensing port 10 of the bill depositing / dispensing machine 8 and the coin depositing / dispensing port 11 of the coin depositing / dispensing machine 9 based on this display, the bills inserted are counted by the main control unit 2, The total amount is sent to the CRT display 13. As shown in FIG. 6B, the CRT display 13 displays a billing amount (transfer amount) and a paid amount (total amount). In the present embodiment, since the deposit amount is 5600 yen for the charged amount of 5555 yen, the change is also calculated and displayed.

When the customer confirms the display of the amount, selects “confirm” in FIG. 2B and presses the touch panel 14, the main control unit 2 transmits the information via the communication control unit 22, the communication line 23 and the communication control unit 25. To send a payment completion message to the center 24.
The center control unit 26 of the center 24 sends a transfer destination company name (code), a customer number and the like and a payment end notification to the file control unit 27 based on the message. File control unit 27
Retrieves the center file 28 and updates the transfer account file as the payment end. Then, the center control unit 26 transmits the transfer completion message to the communication control unit 25, the communication line 23.
To the automatic transaction apparatus 1 via the.

When the transfer completion message is received, the main controller 2 outputs a storage command to the banknote pay-in / pay-out device 8 and the coin pay-in / pay-out device 9. The banknote pay-in / pay-out machine 8 and the coin pay-in / pay-out machine 9 store the banknotes and coins input by this instruction in the storage stocker. discharge. On the other hand, the CRT display 13
Is displayed on the screen for prompting the reception of change as shown in FIG. 6 (c). The customer takes out the change according to this display.

When the above operation is completed, the acceptability determining unit 17 of the main control unit 2 selects the company name data from the data read from the transfer card 29, and stores the card identification data memory 15 based on this data. Search for. If there is a company name corresponding to the company name data to be imported in this search,
It is determined that the inserted card is the one-time transfer card 29, and a capture command C is output. When receiving the command C, the card capture control means 18 controls the card capture unit 16. The card taking-in unit 16 operates the taking-in introduction path by this control, and introduces and takes in the one-time transfer card 29 into the card taking-in box.

The main control unit 2 causes the embossed reader 5 to read the print on the front surface of the transfer card 29 once before performing the card taking operation. The read image data is stored in the receipt printer unit 6. It is stored in the memory unit. Therefore, when the transfer process is completed, the receipt printer unit 6 reads the image data from the memory unit, supplies the receipt paper to the receipt traveling path, and prints the name and address of the customer on the receipt paper based on the image data by the print head. Print as an address. Other necessary data is printed on the receipt paper. As described above, when printing is performed on the receipt paper, the paper is conveyed by a predetermined amount, cut into a predetermined size by a cutter, and issued as a receipt from the receipt discharge port 21. 6 is displayed on the screen of the CRT display 13.
As shown in (d), a message notifying the receipt of the transfer card is displayed together with a message prompting receipt of the receipt, whereby the transfer process using the single-time transfer card 29 is completed.

On the other hand, when a transfer card used repeatedly such as payment of a rent or a loan is inserted into the apparatus 1, the acceptability / non-acceptance determination means 17 determines the card identification data and the company read from the card. The card is determined to be a transfer card a plurality of times by comparison with the name. The main controller 2 controls the card reader / writer unit 3 based on this determination, and discharges the transfer card from the card insertion / ejection port 4 a plurality of times.

When the rent or the like is to be transferred without using a transfer card, the name of the transfer destination, the account number, the name of the customer, the amount of the transfer, etc. are determined by the customer based on the display instruction and the message on the CRT display 13. An operation is input. In this case, when a card issuance is requested, the card issuance unit 7 operates. That is, the card issuing unit 7 pays out an unused transfer card from the card storage unit. The transferred transfer card is conveyed to the card printer 12, and
The input data is printed on the front surface, and then is conveyed to the card reader / writer unit 3, where the transfer information as shown in FIG. 4 is recorded on the magnetic stripe. This transfer card is issued as a transfer card a plurality of times from the card insertion / ejection port 4.

In the above embodiment, the card identification data may be stored in the center file 28 of the center 24 or another storage unit. In this case, the center 2
Then, a transmission request is made to the fourth side to receive the card identification data.
The card identification data may be recorded on a magnetic stripe of the transfer card. In this case, data indicating that the card is the transfer card 29 is recorded once in a spare field or the like.

FIG. 7 is a block diagram showing another embodiment of the present invention. In FIG. 7, the main control unit 2 is reusable.
A rejection determination unit 31 and an unusable control unit 32 are provided. The reusability / non-usability determination means 31 reads the card identification data from the card identification data memory 15 and compares the read data with the read data read from the transfer card. That is, for example, when the company name of the read data exists as the company name corresponding to the company name data classified as the non-reusable side of the card identification data, the inserted card is transferred once.
(See FIG. 8), and outputs a non-reusable instruction C1. Upon receiving the command C1, the unusable control unit 32 controls the card printer 12. In other words, the card printer 12 operates as a non-reusable processing unit under this control, and prints “used” on the front surface of the one-time transfer card 29 as shown in FIG.

As shown in FIG. 9, a display prompting receipt of a transfer card and a receipt is displayed on the screen of the CRT display 13, and the one-time transfer card 29 is conveyed to the card reader / writer unit 3 to insert the card. Outlet 4
2 (see FIG. 2), the receipt is printed by the receipt printer unit 6, and is ejected from the receipt outlet 21.

In the embodiment shown in FIG. 7, the card take-in unit 16 (see FIG. 1) is not provided, and the configuration of the apparatus is simplified accordingly. In addition, even when the once-transferred card 29 is ejected in the same manner as the transfer card plural times, the printing of “used” is performed, so that both the cards can be classified and the once-transferred card 29 is falsified. Use can be prevented, and it is easy to confirm whether or not the transfer has been made.

In the embodiment of FIG. 7, the card reader / writer unit 3 is controlled by the unusable control unit 32, and the “used”, “transferred”, or the like is added to the second track of the magnetic stripe 30 of the one-time transfer card 29. May be recorded, or the transfer information on the magnetic stripe 30 may be erased to make it unusable. Also in the embodiment of FIG. 7, the card identification data may be set in the center 24 or in the transfer card.

[0031]

As described above, according to the present invention,
By comparing the card identification data with the read data of the transfer card, it is determined whether or not the inserted card is a one-time transfer card. If this determination is a one-time transfer card, the card receiving unit is controlled to control the card transfer unit. The transfer processing is performed without using transfer slips with various formats, even if utility bills such as electricity bills or taxes are charged. Can be. Therefore, it is possible to provide an automatic transaction system capable of performing a transfer process of a public utility bill or the like with an inexpensive and small-sized automatic transaction device. In addition, when the transfer card is taken into the device once and the reusable processing is performed, the transfer card can be distinguished from the transfer card a plurality of times, and the tampering of the card can be prevented beforehand, and especially the reusable processing is performed. In this case, it is easy to determine whether or not the transfer processing has been performed.

[Brief description of the drawings]

FIG. 1 is a block diagram of an automatic transaction system according to the present invention.

FIG. 2 is a perspective view of the automatic transaction apparatus according to the present invention.

FIG. 3 is a front view of a one-time transfer card.

FIG. 4 is a diagram showing a data format of the card shown in FIG.

FIG. 5 is a display screen for explaining the transfer operation of the system of the present invention.

FIG. 6 is a diagram showing another display screen for explaining the transfer operation of the system of the present invention.

FIG. 7 is a block diagram showing another embodiment of the system of the present invention.

FIG. 8 is a diagram showing an example of a one-time transfer card reusable process.

FIG. 9 is a diagram showing a display screen according to the embodiment of FIG. 7;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Main control part 3 Card reader / writer unit 12 Card printer 13 CRT display 15 Card identification data memory 16 Card taking-in unit 17 Acceptable / non-possible judging means 18 Card taking-in control means 24 Center 28 Center file 29 One-time transfer card 30 Magnetic stripe 31 Reusability / non-usability determination means 32 Unusable control means

Claims (8)

(57) [Claims] 1. An automatic transaction system comprising an automatic transaction device connected via a communication line to a center holding transfer information and performing a transfer process by inserting a transfer card.
The automatic transaction device, card identification data for determining one of a one-time transfer card used for only one transfer process and a plurality of transfer cards used for a plurality of transfer processes,
Comparing the read data read from the transfer card, if it is determined to be a single transfer card, a capture availability determination unit that outputs a capture command, a card capture unit for capturing the single transfer card, An automatic transaction system, comprising: a card capture control unit that controls the card capture unit in response to the capture command to execute the one-time transfer card capture process. 2. The automatic transaction apparatus according to claim 1, wherein the card identification data is stored in a memory of the automatic transaction apparatus.
Automatic trading system described in. 3. The automatic transaction system according to claim 1, wherein said card identification data is stored in said one-time transfer card. 4. The automatic transaction system according to claim 1, wherein said card identification data is held in said center. 5. An automatic transaction system comprising an automatic transaction device connected to a center holding transferee information via a communication line and executing a transfer process by inserting a transfer card.
The automatic transaction device, card identification data for determining one of a one-time transfer card used for only one transfer process and a plurality of transfer cards used for a plurality of transfer processes,
Comparing the read data read from the transfer card, the reusability determination unit that outputs a non-reusable command when it is determined to be a single transfer card, and executes the once transfer card non-reusable process. An automatic transaction system comprising: a reusable disposable processing unit that discharges; and an unusable control unit that receives the reusable disabling instruction, controls the reusable disposable processing unit, and executes a reusable disabling process. 6. The automatic transaction system according to claim 5, wherein the card identification data is stored in a memory of the automatic transaction device. 7. The automatic transaction system according to claim 5, wherein said card identification data is stored in said one-time transfer card. 8. The automatic transaction system according to claim 5, wherein said card identification data is held in said center.