JP2746208B2 - Withdrawal transaction processing method and automatic cash transaction apparatus used for the processing method - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention is installed in financial institutions and the like,
The present invention relates to a withdrawal (refund) transaction processing method in an automatic cash transaction apparatus that performs cash refund from a deposit / saving account of a customer or deposit into the account by a customer's or customer's proxy operation. The present invention also relates to an automatic cash transaction apparatus used in the method for processing a dispensing transaction.

[0002]

2. Description of the Related Art FIG. 3 shows a conventional automatic teller machine (hereinafter referred to as A).
FIG. 4 is a block diagram showing an example of the configuration of the abbreviation TM, and FIG. This ATM is shown in FIG.
As shown in (b) and (c), a card reader printer 1, a passbook reader printer 2, a banknote pay-in / pay-out device 3,
A display unit 4 such as a CRT display, a transaction selection unit 5, a transaction operation unit 6, a display control unit 7 for controlling the display unit 4, a key input control unit 8 for controlling inputs from the transaction selection unit 5 and the transaction operation unit 6, A main controller 9, a communication controller 10, a deposit counter 11a, and a dispenser counter 11 for controlling the entire ATM;
b.

[0003] The above components will be described below. The card reader / printer 1 is provided from a magnetic recording section (magnetic stripe) of a cash card (hereinafter abbreviated as a card) inserted by a customer through a card insertion slot 101 shown in FIG. A function of reading data such as a password as confirmation information, a function of writing the data to be updated in the magnetic storage unit of the card when it becomes necessary to update the result of a transaction operation, and embossing (embossing) on the card It has an imprint function to transfer the recorded contents of the embossed characters and embossed symbols to a transaction voucher and transaction copy paper, a function to print the card account number and the date, type, and amount related to the transaction on the transaction voucher and transaction copy paper. .

[0006] The passbook reader / printer device 2 reads the account number of the bank account from the magnetic recording unit (magnetic stripe) of the bank account (hereinafter abbreviated as “passbook”) inserted by the customer through the passbook insertion slot 201 shown in FIG. A function to read data such as data, a function to write the data to be updated to the magnetic recording part of the passbook when it is necessary to update this magnetic recording data, and a function to print the date, type, amount, etc. of the transaction on the passbook And so on.

FIG. 5 is a cross-sectional view of the banknote pay-in / pay-out device 3. As shown in FIG.
The banknote pay-in / pay-out device 3 includes a banknote receiving / receiving section 302 below the shutter 301 shown in FIGS. When the shutter 301 is opened (in the direction of the dashed arrow in FIG. 5), the bill insertion receiving unit 302 is for a customer to insert or receive a bill in a state of a solid line shown in FIG. is there. The separation feeding section 303 provided immediately below the bill input / receiving section 302 includes a bill feeding / receiving section 302.
Are rotated from the solid line position to the broken line position, the bills can be exchanged with the bill insertion / receipt unit 302 in a collective state by a transport means (not shown). The separation / feed unit 303 has a suction drum 304,
The bills delivered from the bill receiving / receiving section 302 are sucked and separated one by one by a suction drum 304 and fed to the transport path 320a. A bill validator 305 is provided downstream of the transport path 320a. This bill validator 30
Reference numeral 5 includes an optical sensor, a magnetic sensor, a discrimination circuit, and the like (not shown). The denomination of bills separated and conveyed one by one from the separation feeding section 303 or a suction drum 318 or 319 described later is performed. , Front and back discrimination,
It performs true / false judgment or damage judgment. Downstream of and above the banknote discriminating unit 305, impellers 306 and 307 are provided, and further above the temporary banking unit 308 for normal banknotes and the temporary banking unit for abnormal banknotes corresponding to each impeller. 309 are provided. Taking the case of a deposit transaction as an example, the bill discriminated by the bill discriminating unit 305 is conveyed through the conveyance paths 320b and 320c, and furthermore, the impeller 30
6 is accumulated in the normal banknote temporary storage unit 308. In addition, bills in cases where the denomination is unknown or discriminated as a counterfeit note are accumulated by the impeller 307 in the temporary storage section 309 for abnormal bills. The banknotes accumulated in these temporary storage units 308 and 309 are transferred to the transport path 320d.
Thus, the bill is received by the bill input / receiver 302 and can be taken out by the bill input / receiver 302. In the lower part of the banknote depositing / dispensing device 3, safes 310 to 313 for storing various banknotes are provided. The safes 310 and 311 are a 1,000-note banknote safe and a ten-note banknote safe for storing 1,000-yen banknotes, respectively. Further, the safe 312 is a deposited banknote that is determined to be an unfit banknote (a banknote whose degree of damage is determined to be greater than a predetermined standard) by the banknote discriminating unit 305, a banknote such as a 5,000 yen banknote, and a banknote other than a 1,000 banknote. This is a deposit banknote safe that stores Further, the safe 313 is a reject for storing bills when the denomination discrimination result by the bill discriminating unit 305 does not match the denomination to be dispensed at the time of dispensing, or when an abnormality such as heavy running is detected. It is a banknote safe. These safes 31
0 to 313 are provided along the transport path 320e provided in the path from the output of the bill validator 305 to its input, and as shown in FIG. 5, safes 313, 310, 311 and 312 are located upstream of the transport path 320e. Are arranged in this order. At the top of these safes 313, 310 to 312, the transport path 3
A transport path 320f and a pair of impellers 314, 315, and 316 are provided between the transport path 320e and the conveyor path 20e. In addition, for the impellers 314 and 315, the transport path is set so that the banknote can be taken in from the transport path 320 e, the bill can be transported to the transport path 320 e, and the impeller 316 can be loaded for the banknote from the transport path 320 e. 320 g are provided. These transport paths 320f, 32
The banknotes from the transport path 320e are stored in the corresponding safes 310 to 313 by 0g and the impellers 314 and 315.
Furthermore, suction drums 318 and 319 are provided between the impeller 314 and the safe 310 and between the impeller 315 and the safe 311 in combination with the corresponding impeller. These suction drums 318 and 319 respectively suction and separate banknotes from the safes 310 and 311 and feed the bills to the transport path 320e via the impellers 314 and 315 and the transport path 320g. The transport path 320 (320a to 320g) includes a transport roller and a transport belt for transporting bills, and blades 321 to 326 for switching the transport direction of bills.

[0006] Each component of the banknote pay-in / pay-out device 3 described above is operated by drive control of a drive control unit (not shown) based on control of the main controller 9.

[0007] The display unit 4 guides and instructs a customer on operation procedures, and displays transaction information such as a transaction amount on a display screen.

The transaction selection unit 5 is for the customer to select a desired business from a plurality of business types that can be handled by the ATM, and a detailed example is shown in FIG. In the figure, reference numeral 501 denotes a selection key for selecting a deposit transaction (business);
502, a selection key for selecting a withdrawal transaction (business);
Is a selection key for selecting deposit / saving balance inquiry (business), 504
Is a selection key for selecting a process for filling in the passbook with the contents of a transaction which has been completed but has not been recorded.

The transaction operation unit 6 is for the customer to operate the ATM and input numbers and amounts required for the transaction and the intention to approve or not approve the processing of the ATM. It is shown in FIG. In FIG.
9 is a numeric key composed of 10 keys, 602 is an amount key composed of 10,000 keys, 1000 keys, and a yen key. What is used. Reference numeral 603 denotes a confirmation key for inputting an intention to approve the operation of the ATM based on the contents entered into the ATM by the customer using the numeric keys 601 and amount keys 602. Reference numeral 604 denotes that the customer cancels the transaction with the ATM during the operation of the ATM. 605 is a cancel key used when instructing the user, etc. 605 is invalid when there is an error in the contents entered by the customer using the numeric keys 601 and the money amount keys 602 or when there is no mistake and wants to correct the contents. It is a correction key that allows re-entry.

The display control section 7 controls the display contents of the display section 4. The key input control unit 8 is used for the transaction selection unit 5
It scans and reads various key input states constituting the transaction operation section 6.

The main control unit 9 integrally controls each of the components 1 to 8 to perform operations by a customer, the contents of a cash card and a passbook, and a communication for exchanging data with a center computer. The entire transaction is executed based on the contents of the data exchanged with the control device 10.

The deposit counter 11a is composed of a 10,000-yen banknote counter 12, a 5,000-yen banknote counter 13, and a 1,000-yen banknote counter 14 for each denomination, and counts the number of banknotes deposited in a deposit transaction by denomination (here, ten thousand banknotes). Yen, 5,000 yen, and 1,000 yen) and counts and stores the number of deposited bills made during the total transaction review conducted every day or every few days. , Which is cleared when the scrutiny is completed. The withdrawal counter 11b includes a ten-yen banknote counter 15 and a thousand-yen banknote counter 16 for each denomination.
Is a denomination withdrawal counter for counting and storing the number of banknotes dispensed in the withdrawal transaction by denomination (in this example, two denominations of 10,000 yen and 1,000 yen), Like the above-mentioned deposit counter 11a, the number of bills to be dispensed, which is performed every day or every several days and is performed during the transaction total scrutiny, is counted and stored, and is cleared when the scrutiny is completed.

Next, a description will be given, with reference to the flowcharts of FIGS. 6A and 6B, of a conventional withdrawal transaction processing operation by the ATM having the above-described configuration.

First, when the operation of the ATM is started, the main controller 9 controls the display control unit 7 to display "Welcome. Please specify. "(S61).
When the customer presses a key corresponding to the desired transaction content in the transaction selection unit 5 according to the displayed language, the key input control unit 9 causes the deposit key 501 and the withdrawal key 50 of the transaction selection unit 5 to be pressed.
2. It reads out and determines which of the inquiry key 503 and the bookkeeping key 504 has been input, and transmits the input key information to the main controller 9 (S62 to S63). If the input key information is the withdrawal key 502, the main controller 9
Commands the display control unit 7 to change the display content of the display unit 4 to "Please insert a card" (S64). As a result, "Please insert a card" is displayed on the display screen of the display unit 4.
Is displayed. The card reader / printer 1 conveys the card inserted into the card insertion slot 101 by the customer according to this display, and the transaction information such as the financial institution code, account number, and password recorded in the magnetic recording unit on the card. Is read (S65).

When reading of the magnetically recorded contents of the card is completed, main controller 9 instructs display controller 7 to display "Please input password" on display 4 (S66). ). As a result, the customer inputs the personal identification number with the numeric keys 601 according to the wording displayed on the display unit 4. The input password is read by the key input controller 8 and transmitted to the main controller 9.

Next, the main controller 9 compares the password in the transaction information read from the magnetic recording section of the card transmitted from the card reader / printer 1 with the password input by the customer. (S6)
7). If the result of this determination is a mismatch, re-input processing of the personal identification number is executed, but since this is not relevant to the gist of the present description, the description of that processing will be omitted. On the other hand, if the password input by the customer is correct, that is, if the password matches the password recorded on the magnetic recording unit of the card, main controller 9 instructs display control unit 7 to output the message Please input the amount of money. "And display it on the display unit 4 and trade the characters and symbols embossed on the card with the card reader / printer 1 without waiting for the customer to input the amount of money. It instructs that the imprint is performed on the slip and the journal paper, and that the transaction contents of the determined items such as the transaction date, the transaction type and the account number are printed on the transaction slip and the journal paper (S6).
8a, S68b).

Next, when the customer sequentially presses the numeric key 601 and the amount key (10,000, 1000, yen keys) 602 to input the desired amount to be withdrawn, the key input control unit 8 inputs the input key data. Are sequentially transmitted to the main controller 9. As a result, when the amount input is correctly completed, the main controller 9 transmits the input amount data to the display control unit 7 and confirms the displayed amount and presses the confirmation key. The display unit 4 instructs the display unit to display "* 10,000 * 1,000 yen" (S69, S70). In addition, the input amount data transmitted to the display control unit 7 is specifically displayed in a circle portion of the above-mentioned amount display.

When the customer confirms the input amount on the display screen of the display unit 4 and presses the confirmation key 603, the key input control unit 8 transmits confirmation key press data to the main control unit 9, The customer input operation for the transaction is completed (S71).

Next, the main controller 9 transmits the data read from the magnetic recording section of the card in step S65 and a series of transaction information based on key input information by the customer via the communication controller 10 and the center computer (center computer). Device) (S72). As a result of the communication, if the deposit / saving balance of the corresponding account exceeds the desired withdrawal amount and the transaction does not particularly hinder the transaction, the main controller 9 sends the banknote deposit / withdrawal device 3 a number of sheets corresponding to the withdrawal amount. Banknotes are sent to the safe 31
After performing the counting process of transporting the bills from the zero or / and the banknote safe 311 to the normal banknote temporary storage unit 308, respectively, and instructing the normal banknote temporary storage unit 308 to transport the banknotes to the banknote insertion / receipt unit 302 in a collective state, Instructs the card reader / printer 1 to print the transaction amount, which is the unprinted content, and the transaction slip relating to the deposit and savings balance after the transaction and the latter half of the printing in the journal (S73, S74a, S7).
4b).

When the processing for counting the bills and the processing based on the command for the second half printing are completed, the main controller 9
The display control unit 7 is instructed to display “Please accept the card” on the display unit 4 and displayed on the display unit 4. Then, the card is conveyed to the card reader / printer device 1 to the card insertion slot 101 and sent to the customer. Command to return (S7
5, S76). As a result, when the card conveyed to the card insertion slot 101 is removed by the customer and the card return processing is completed, the main control device 9 instructs the display control unit 7 to “receive a slip” to the display unit 4. The display is instructed, and the card reader / printer 1 is instructed to release the slip (S77, S78). When the customer extracts the slip according to the displayed wording, main controller 9 instructs display control unit 7 to display "Please accept cash" on display unit 4 and causes display unit 4 to display it. Then, the cash depositing / dispensing apparatus 3 is instructed to open the shutter 301 to pay cash and executed (S7).
9, S80). As a result, after the shutter 301 is opened and the cash is withdrawn from the bill insertion / receipt unit 302 by the customer, the display control unit 7 is instructed to display the final transaction text such as “Thank you” on the display unit 4. And display it (S81). In this manner, the withdrawal transaction is completed, and after a lapse of a predetermined time, the flow returns to step S61 to be in the next transaction waiting state.

On the other hand, as a result of the communication with the center computer, if the deposit / saving balance of the corresponding account or the withdrawable amount is less than the desired withdrawal amount, the main controller 9 instructs the display controller 7 to “designate”. You have insufficient funds for the amount.
I will return the card. Is displayed on the display unit 4 (S82). Thereafter, the card is returned in the same manner as in the case in which the above-mentioned transaction is possible, the slip printed in the first half is taken into a reject box (not shown), and the transaction is terminated, and the next transaction is awaited (S83).

[0022]

SUMMARY OF THE INVENTION However, the A
TM has the following problems. Factors that affect the time required for one withdrawal transaction in a conventional ATM include the amount of money (number of bills to be dispensed), customer operation time such as key input by the customer, and communication time with the center computer. Of these, it is difficult to avoid the length of transaction time depending on the amount of withdrawal (number of bills to be dispensed), but customer operation time greatly depends on the level of proficiency in input operations, and also with the center computer. The communication of
It depends on the amount of access to the center computer itself, the amount of traffic to the line connecting the ATM and the center computer, and the transmission capacity of the line, so that customer operation time is prolonged and communication with the center computer has been delayed. In this case, the transaction processing speed capability of the ATM cannot be utilized to the fullest.

The present invention eliminates the problem that the withdrawal transaction time is prolonged due to the customer input operation time, which is a factor other than the performance of the ATM itself, and the waiting time for communication with the center computer. Withdrawal transaction processing method that can fully demonstrate its ability, and AT using the method
M is intended to be provided.

[0024]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides a display unit for displaying input information such as a guidance word for an input operation, and a transaction information including password information in accordance with the display on the display unit. An input unit for inputting, a recording medium for receiving the recording medium on which the transaction information is recorded, and a recording medium reading unit for reading the transaction information from the recording medium; and temporarily storing while counting the banknotes taken out of the storage housing the banknotes. A banknote dispensing unit that accumulates and accumulates banknotes, a dispensing counter that stores a dispensed amount, a preceding counter that counts banknotes that are accumulated in the temporary storage unit, and retains customer information. A dispensing transaction processing method for an automatic teller machine having a communication control unit for communicating with a center device, wherein the secret information input by the input unit is read by the recording medium reading unit. A first step of determining whether or not they match, a second step of controlling the display unit, the input unit, and the recording medium reading unit to accept the recording medium and determine the withdrawal amount; After the withdrawal amount is determined in the second step, the number of bills corresponding to the withdrawal amount input by controlling the bill dispensing unit is taken out from the storage, counted, and the temporary storage unit is determined. A third step of storing the counted number in the preceding count counter and starting the processing in parallel with the processing of the third step, and confirming the coincidence of the password information by the first step. Further, the transaction information read from the recording medium accepted in the second step and the withdrawal amount determined in the second step are transmitted to the center device via the communication control unit to confirm whether the transaction is possible. When the transaction is possible, after the accumulation of the banknotes is completed in the third step, the banknote dispensing unit is controlled to dispense the banknotes accumulated in the temporary storage unit, and the advance counting counter Updating the content of the withdrawal counter based on the content of the fourth
And the steps of

Further, in the automatic transaction apparatus used in the above-mentioned withdrawal transaction processing method to confirm customer information and to dispense an amount bill entered by the customer when a transaction is possible, the input information such as the guidance text of the input operation is provided. And an input unit for inputting transaction information including password information in accordance with the display on the display unit, and a recording medium for receiving the recording medium on which the transaction information is recorded and reading the transaction information from the recording medium Communication between the reading unit, the bill dispensing unit that accumulates and temporarily dispenses the accumulated bills while counting the bills taken out of the storage housing the bills, and the center device that holds customer information is performed. A communication control unit, a storage unit for storing information indicating a cumulative result of the withdrawal amount, and a control unit for controlling the respective units, wherein the control unit reads the recording medium reading the password information input from the input unit. Part Password information determining means for determining whether or not the password information matches the read password information, and controlling the display unit, the input unit, and the recording medium reading unit to accept the recording medium and determine the payment amount. A first control unit for causing the banknote dispensing unit to control the banknote dispensing unit and, after the dispensing amount is determined by the first control unit, the number of bills corresponding to the dispensing amount input from the storage, take out,
Second control means for counting and accumulating the data in the temporary storage unit, and starting the processing in parallel with the processing by the second control means, confirming the coincidence of the password information by the password information determining means, The transaction information read from the recording medium received by the first control means and the withdrawal amount determined by the first control means are transmitted to the center device via the communication control unit to confirm whether or not the transaction is possible. If it is possible, after the accumulation of the bills is completed by the second control means, the bill dispensing unit is controlled to dispense the bills accumulated in the temporary storage unit, and the content of the storage unit is updated. And a third control means.

In the case where the judgment result by the password information judging means or the judgment by the second control means is a transaction impossible judgment, the control section sends the counted bills to the bill paying section. It is also characterized in that a fourth control means for returning the storage from the temporary storage unit to the storage unit and prohibiting the update of the contents of the storage unit is further provided.

Further, the second control means controls the bill dispensing section, and determines whether the dispensing type is single or plural based on the dispensing amount determined by the first control means. The required number is counted for the denomination in the case of a single denomination, and in the case of a plurality of denominations in the case of a plurality of denominations, and the number of banknotes corresponding to the withdrawal amount is extracted from the storage, and the temporary storage is performed. There is also a feature in performing control for integration in a unit.

Further, the card reader / printer is further provided with a printing section for issuing a slip on which transaction information is printed, and the third control means of the control section is provided when the password information determination section confirms the coincidence of the password information. It is also characterized in that it includes controlling the printing unit to print a part of the voucher and to print the rest of the voucher when the transaction is possible by confirming whether or not the transaction is possible. .

[0029]

The withdrawal transaction processing method according to the present invention operates as follows. After the transaction information including the password is read from the recording medium (for example, a card) in the first step, the transaction is confirmed based on the first determination based on the password and the second determination based on the communication with the center device as in the related art. Before performing, the withdrawal amount is determined, and a relatively long time counting process is started in advance in the second step, and in parallel with this, the first determination and the second determination are performed in the third step. Is performed, the withdrawal transaction processing can be efficiently performed in a relatively short time. In addition, when the transaction is not established relatively infrequently (in the first determination, the identification number mismatch determination, in the second determination, the transaction cannot be determined due to insufficient balance, etc.), the counted bills are returned to the storage, and Since the update of the information indicating the accumulated result of the withdrawal amounts is prohibited, the withdrawal transaction processing can be reliably performed without lowering the fund management efficiency.

Further, the automatic cash transaction apparatus used in the withdrawal transaction processing method of the present invention operates as follows. First of the control unit
(For example, a main control device to be described later) guides a display unit (for example, a display unit or a display control unit) in the order of input of a recording medium (for example, a card), input of a withdrawal amount, and input of a personal identification number. It works to display words and perform their input processing. That is, input processing is performed as follows according to the display. First, after the transaction information including the password is read from the input recording medium by the recording medium reading unit, the input unit (for example, the key of the transaction operation unit, the input control unit) inputs the withdrawal amount, and outputs the amount. It works so as to perform the confirmation input processing of the money amount and the input processing of the personal identification number. The second control means (e.g., a preceding counting / storage control unit and the like, which will be described later), when the first control means performs the processing for confirming the withdrawal amount, sends the bill to a bill dispensing unit (for example, a bill depositing and dispensing device). It works so as to perform a counting process of taking out the number of bills corresponding to the amount of money from the storage to the normal bill temporary storage unit and counting the taken-out bills by the preceding counter. When the personal identification number is input by the input means, the third control means (for example, a main control device described later) makes a first determination as to whether or not the input personal identification number matches the personal identification number read by the recording medium reading part. Work to do. Thereafter, the third control means communicates with the center device based on the transaction information including the withdrawal amount and obtains reception information including a confirmation result of the balance, based on the transaction information including the withdrawal amount, when the passwords match, thereby obtaining the transaction. A second determination is made as to whether or not the transaction is possible. If the transaction is possible, at the time when the counting process is completed, the storage unit (for example, the withdrawal counter) is set in accordance with the withdrawal amount based on the contents of the preceding count counter. Work to update the content.
On the other hand, when the transaction is not established in the first determination or the second determination, the fourth control means (for example, the advance counting / storage control unit described later) sends the counted bills to the bill dispensing unit. It functions to return to the original storage and to perform processing to prohibit updating of the contents of the storage means. As described above, the counting process can be performed using the time from the input of the personal identification number to the first determination and the second determination, and the process of returning the counted banknote when the transaction is not successful and the updating of the total withdrawal amount. , The withdrawal transaction processing can be performed efficiently and in a relatively short time without lowering the fund management efficiency.

[0031]

FIG. 1 is a block diagram of an ATM showing an embodiment of the present invention. In the figure, the same reference numerals as those in FIG. 3 indicate the same components. Main control device 9 of the present embodiment
a controls the entire ATM in the same manner as the main controller 9 in FIG. 3, but controls the display unit 4 and the display control unit 7 to display the guidance text of the input operation, thereby performing the card input processing and the withdrawal amount. A function (corresponding to the above-described first control means) of performing each input processing in the order of input processing, input processing of confirmation of the withdrawal amount, input processing of the password, and the like;
By controlling the preceding counting / storage control unit 21 and the like,
A function of executing a preceding counting process, a recovery process when a transaction is not established, a determination of a password, a determination of a transaction amount such as a balance by communication with a center computer (center device), and a check of a withdrawal counter 11b based on these determinations. A function of performing update control (corresponding to the above-described third control means) is provided. A component newly provided in the ATM of this embodiment is a counting operation unit 1 that updates the withdrawal counter 11b only when a transaction is possible.
7, a 10,000-yen banknote advance counting counter 18 for counting the 10,000-yen banknote advance count number, a 1,000-yen banknote advance count counter 19 for counting the 1,000-yen banknote advance count number, and an output for storing the amount of money input by the customer. Amount storage unit 20 and bill receiving / dispensing device 3
The advance counting which performs control such as moving the number of banknotes corresponding to the amount paid out to the normal banknote temporary storage unit 308 at the time of advance counting, and controlling the banknotes of the normal banknote temporary storage unit 308 to be stored in a safe when transactions are impossible. The storage control unit 21 (the above-described second
And the fourth control means). Next, with reference to the flow charts of FIGS. 2A and 2B, the dispensing transaction processing operation of the ATM in this embodiment will be described. In FIG. 2A, the steps from S1 to S5 (that is, from the guidance of the selection key pressing to the card reading processing) are exactly the same as the steps from S61 to S65 in FIG. 6A, and the following operation will be described.

When the card reader / printer 1 has finished reading the contents of the magnetic recording section of the card, the main controller 9a next instructs the display controller 7 to "enter the desired amount to be paid out." 4 to display the guidance text on the display unit 4 (S6). When the customer inputs a withdrawal amount from the transaction operation unit 6 and completes the transaction in accordance with the display, information (withdrawal amount data) indicating the withdrawal amount is sent to the main control device 9a via the key input control unit 8 (S).
7). As a result, when the main control device 9a receives the information, the withdrawal amount indicated by the information and the guidance word “Please confirm the displayed amount and press the confirmation key” are displayed on the display unit 4 via the display control unit 7. It is displayed (S8). According to the displayed guidance word, the customer presses the confirmation key 603 if the displayed amount (withdrawal amount) matches the desired amount, and if incorrect, inputs the withdrawal amount again after the correction key 605. It will be redone (S9). When the confirmation key 603 is pressed, the withdrawal amount data is stored in the withdrawal amount storage unit 20 by the main controller 9a, and the advance counting and storing control unit 21 is activated. As a result, the leading counting and storage control unit 2
It is determined whether the withdrawal type is a single type based on the stored withdrawal amount data, that is, whether or not only one of 10,000 yen or 1,000 yen. If the denomination is the second denomination, the banknote depositing / dispensing apparatus 3 is instructed to count the required number of the denomination with the larger number of denominations, and the banknote counting process is started (S10a, S10a). S11a, S11b). That is, the advance counting and storing control unit 21 sends the corresponding suction drum 3 to the drive control unit of the banknote pay-in / pay-out device 3 from the 1,000-note safe 310 or the ten-note safe 311 for the counting process of the withdrawal transaction.
18 (or 319) and the impeller 314 (or 315) to separate the sheets one by one until the required number of sheets is reached, and further, the conveying paths 320g and 320a, the bill validating section 305, and the conveying path 3
20b, 320c and the impeller 306 are controlled so as to be transported to the normal banknote temporary storage unit 308 and accumulated. The preceding count counter 18 (or 19) is detected by a sensor (not shown), for example, every time one banknote is taken out (conveyed) by the normal banknote temporary storage unit 308. Shall be counted up in accordance with

On the other hand, as described above, the main controller 9a activates the advance counting and storing control unit 21 and, at the same time, "enter a password" on the display unit 4 via the display control unit 7.
Is displayed (S10b). When the customer inputs a password by operating the keys of the transaction operation unit 6 according to this display,
Information indicating the personal identification number (personal identification number data) is sent to the main controller 9a via the key input control unit 8. As a result, the main controller 9a determines whether or not the personal identification number (personal identification number data) input from the transaction operation unit 6 matches the personal identification number read from the card in step S5 (S11c).

The main controller 9a determines that the password is correct when the password matches, as a result of the determination in step S11c, and instructs the card reader / printer 1 to print the characters and symbols embossed on the card. And instructs to print the first half of the transaction contents of the confirmed items such as transaction date, transaction type, account number, withdrawal amount on slips and journal paper, and communicates with the center computer. Communication is performed based on the transaction data including the withdrawal amount via the communication line with the control device 10 (S12a, S12b). The main controller 9a displays the result of the communication, the deposit / saving balance of the corresponding account or the possible withdrawal amount,
If the desired withdrawal amount entered by the customer is exceeded and the withdrawal transaction is possible without any particular trouble, the remaining data such as the deposit and savings balance obtained by subtracting the withdrawal amount by the transaction from the card reader / printer 1 is used. A command is issued to execute a certain second half printing (S13a, S14a). At the same time, the main controller 9a sets the leading counting /
And instructs the banknote pay-in / pay-out device 3 to count uncounted denominations in the case of a plurality of denominations (S14b). When the counting process is completed in this way, the contents of the advance counting counters 18 and 19 of the ten thousand yen bill or the one thousand yen bill are sent to the count value calculating unit 17.
The payout counters 15 and 16 are updated with the sum of the contents of the payout counters 5 and 16, and the instruction designation is executed to clear the contents of the preceding count counters 18 and 19 (S15).

Thereafter, as in the steps S75 to S81 in FIG. 6B, the card is returned, the slip is released, and cash is paid, and the process proceeds to the next transaction waiting (S16 to S22).

On the other hand, if the passwords do not match in the determination in step S11c, the main controller 9a prompts the customer to re-enter the password via the display control unit 7 to confirm that the passwords are different. Please press again. "On the display unit 4 and re-enter the PIN up to a total of two times, and if the correct PIN is entered, S12a, S12b
If the correct password is not entered even after re-entering up to three times in total, the message "Please take out the card" is displayed on the display unit 4 via the display control unit 7, and the card It instructs the reader printer device 1 to return the card and causes the card to be executed (S14c, S15b). The main controller 9a also instructs the preceding counting / storage control unit 21 to perform a recovery process or the like before the counting process. As a result, the advance counting and storing control unit 21 sets the bill depositing and dispensing device 3
In response to this, a storage command is issued to store the banknote that has been subjected to the advance counting process from the normal banknote temporary storage unit 308 into the corresponding safe 310 or 311 and is executed (S15a). That is, upon receiving the storage command, the drive control unit of the banknote depositing / dispensing apparatus 3 transports the counted bills in a batch state from the normal banknote temporary storage unit 308 to the banknote insertion / receipt unit 302 via the transport path 320d. After being delivered to the separation / feeding unit 303, the suction drum 304 separates the sheets one by one, and the transfer path 320a
Through the banknote discriminating unit 305 in the same manner as in the case of the deposit described in the related art.
11 and the storing operation is completed. In addition,
The storage control unit 21 outputs a counter clear signal CL for clearing the count value that has been counted up during the preceding counting to the preceding counting counters 18 and 19 of the ten thousand yen bill or the thousand yen bill (S16).

If it is determined in step S13a that the withdrawal transaction is impossible due to a shortage of the deposit balance as a result of communication with the center computer, the main controller 9a
Displays on the display unit 4 via the display control unit 7 a message indicating the reason why the transaction cannot be performed, such as "Insufficient balance. Please take out the card" and the cancellation of the transaction. The banknote pay-in / pay-out device 3 is stored in the banknote pay-in / pay-out device 3 via the advance counting / storage control section 21 and the counters 18 and 19 are cleared, and the card is returned and printed to the card reader / printer device 1. After instructing storage of the slip in the storage box, and then displaying a message such as "Thank you" on the display unit 4, the processing steps shift to the next transaction waiting state (S23, S23).
24a to S24c, S25).

As described above, according to the present embodiment, the counting process of the bills to be dispensed is performed in advance of the middle of the transaction data input by the customer and before the communication with the center computer. As soon as the information necessary for printing is input, the banknotes are stored in the original safe when the transaction is finally impossible, reducing the operational efficiency of funds. Without letting
Using the customer's operation time and the communication time with the center computer, bills can be counted and transaction slips can be printed, eliminating factors that extend transaction time other than the performance of the device in withdrawal transactions. Thus, the processing ability of an ATM can be fully exhibited.

[0039]

As described above in detail, according to the present invention, after inputting a recording medium, processing of input of a withdrawal amount and confirmation of the withdrawal amount is performed, and thereafter, processing of a bill corresponding to the withdrawal amount is performed. The counting process is performed in parallel with the input and determination of the personal identification number and the transaction determination by communication with the center device.
And since it was configured to prohibit the update of the accumulated withdrawal amount,
The withdrawal transaction processing can be performed efficiently and reliably in a relatively short time without lowering the fund management efficiency.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an ATM showing one embodiment of the present invention.

FIG. 2A is a flowchart illustrating a dispensing transaction processing procedure according to the embodiment.

FIG. 2B is a flowchart illustrating a dispensing transaction processing procedure according to the present embodiment.

FIG. 3 is a configuration diagram of a conventional ATM.

FIG. 4 is an explanatory diagram of an appearance of an ATM.

FIG. 5 is a cross-sectional view illustrating a configuration of a banknote pay-in / pay-out device.

FIG. 6a is a flowchart showing a conventional ATM withdrawal transaction processing procedure.

FIG. 6B is a flowchart showing a conventional ATM withdrawal transaction processing procedure.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Card reader printer device 2 Passbook reader printer device 3 Banknote pay-in / pay-out device 4 Display part 5 Transaction selection part 6 Transaction operation part 7 Display control part 8 Key input control part 9a Main control device 10 Communication control device 11a Payment counter 11b Payment counter 12-19 counter 20 withdrawal amount storage unit 21 advance counting and storage control unit

Claims (5)

(57) [Claims] 1. A display unit for displaying input information such as guidance text of an input operation, an input unit for inputting transaction information including password information in accordance with the display on the display unit, and a recording medium on which the transaction information is recorded. Receiving and recording medium reading unit for reading the transaction information from the recording medium, and a bill dispensing unit that accumulates in the temporary storage unit while counting the bills taken out of the storage housing the bills, and dispenses the accumulated bills. A cash counter that stores a withdrawal amount, a leading counter that counts bills accumulated in the temporary storage unit, and a communication control unit that communicates with a center device that holds customer information. In the withdrawal transaction processing method of the transaction device, a first step of determining whether password information input by the input unit matches password information read by the recording medium reading unit; A second step of controlling the unit, the input unit, and the recording medium reading unit to receive the recording medium and determine the amount of payment, and after the amount of payment is determined by the second step, By controlling the dispensing unit, the number of bills corresponding to the dispensing amount input is taken out from the storage, counted and accumulated in the temporary storage unit, and the counted number is stored in the preceding counting counter. A third step, and starting the processing in parallel with the processing in the third step,
The first step is to confirm the coincidence of the password information, and further, the transaction information read from the recording medium accepted in the second step and the withdrawal amount determined in the second step are transmitted via the communication control unit. If the transaction is possible by transmitting to the center device and confirming whether or not the transaction is possible, the banknotes accumulated in the temporary storage unit by controlling the banknote dispensing unit after the accumulation of the banknotes in the third step is completed. And a fourth step of updating the contents of the withdrawal counter based on the contents of the preceding count counter. 2. An automatic teller machine for confirming customer information and dispensing a bill entered by the customer when a transaction is possible, a display unit for displaying input information such as guidance for input operation,
An input unit for inputting transaction information including password information in accordance with the display on the display unit, a recording medium reading unit for receiving the recording medium on which the transaction information is recorded and reading the transaction information from the recording medium, and storing bills A banknote dispensing unit that accumulates and accumulates banknotes while counting the banknotes that have been taken out of the stored storage, and a communication control unit that communicates with a center device that holds customer information; A storage unit for storing information indicating a result of the accumulated amount of money, and a control unit for controlling each of the units, wherein the control unit reads the secret information input by the input unit by the recording medium reading unit. Password information determining means for determining whether or not the information coincides with information; first control for controlling the display unit, the input unit, and the recording medium reading unit to accept the recording medium and determine the amount to be paid out After the payment amount is determined by the first control means, the banknote dispensing unit is controlled to take out the number of banknotes corresponding to the input payment amount from the storage, and to count. Second control means for accumulating in the temporary storage unit, and starting processing in parallel with the processing by the second control means,
The password information determination means confirms the coincidence of the password information,
Further, the transaction information read from the recording medium received by the first control means and the withdrawal amount determined by the first control means are transmitted to the center device via the communication control unit to confirm whether or not the transaction is possible. If the transaction is possible, the second control means controls the bill dispensing unit after the accumulation of the bills is completed, dispenses the bills accumulated in the temporary storage unit, and stores the contents of the storage unit. And a third control means for updating the transaction. 3. When the determination result by the password information determination unit or the determination by the second control unit is a transaction impossible determination, the control unit notifies the banknote dispensing unit of the counted bill. 3. The automatic teller machine according to claim 2, further comprising a fourth control unit that returns the temporary storage unit to the storage and prohibits updating of the content of the storage unit. 4. The second control means controls the bill dispensing section to determine whether a single or a plurality of payment types are based on the payment amount determined by the first control means. The required number is counted for the denomination in the case of a single denomination, and in the case of a plurality of denominations in the case of a plurality of denominations, and the number of banknotes corresponding to the withdrawal amount is extracted from the storage, and the temporary storage is performed. The automatic teller machine according to claim 2 or 3, which is integrated in a unit. 5. A printing unit for issuing a voucher on which transaction information is printed, wherein a part of the voucher is provided to third control means of the control unit when the password information determination unit confirms that the password information matches. The method according to any one of claims 2 to 4, further comprising controlling the printing unit so as to print, and to confirm whether or not the transaction is possible, and to print the rest of the slip when the transaction becomes possible. Automatic teller machine.