JP2916301B2 - 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 for executing deposit / withdrawal of a predetermined account by online communication with a financial institution such as a bank.

[0002]

2. Description of the Related Art In recent years, automatic depositing and dispensing machines (ATMs) have been frequently used in financial institutions such as banks.

Conventionally, in this type of automatic depositing / dispensing apparatus, when a user performs online processing, a magnetic medium storing information such as an account number and a password required for executing a depositing / dispensing transaction is attached. The inserted passbook or magnetic card is inserted from the entrance of the passbook printer unit or card reading unit to read the magnetic information and perform online communication with the central processing unit of the remote central processing center. We are processing gold.

[0004]

However, in such a conventional automatic depositing and dispensing apparatus, a user cannot make a transaction unless he or she has a magnetic medium such as a passbook or a magnetic card. I need to go to a certain installation location.

[0005] Further, the automatic depositing and dispensing apparatus must be equipped with devices such as a passbook printer unit and a card reading unit for handling magnetic media. Therefore, there is a problem that the installation place is limited.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a small, light and inexpensive automatic transaction apparatus without a device for handling a magnetic medium. It is an object of the present invention to provide an automatic transaction system which can be used.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides an automatic transaction apparatus and a central processing unit of a remote central processing center, which communicates online so that deposits and withdrawals can be made unattended. An automatic transaction system to be executed, comprising: a transmitting / receiving means for transmitting / receiving deposit / withdrawal transaction data; and a cash receiving / receiving section for counting cash based on the deposit / withdrawal transaction data transmitted / received by the transmitting / receiving means, and receiving or releasing cash.・ Emission counting means and storage means comprising an account number table for storing an account number corresponding to a unique code assigned to the automatic transaction apparatus main body, wherein the deposit / withdrawal transaction data includes a unique code of the automatic transaction apparatus main body. To the central processing unit via the transmission / reception means, and the central processing unit stores the account number for the unique code via the storage means. It is controlled so as to execute a transaction in which was characterized by.

[0008]

That is, according to the present invention, since the transaction is controlled by the unique code of the automatic transaction apparatus main body and the account number table corresponding to the unique code, the conventional magnetic medium is used. Eliminates the need to enter an account number.

[0009] As a result, the automatic transaction apparatus main body is not provided with an apparatus for handling magnetic media, so that the entire apparatus can be reduced in size, weight, and cost, and can be installed in ordinary households without being limited to installation locations. Can also be easily installed.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. FIG. 2 is a schematic diagram of a portable home banking terminal main body 1 as an automatic transaction apparatus utilizing the automatic transaction system of the present invention. FIG.

An operation panel 2 is arranged on the front of the terminal device main body 1. The operation panel 2 has a bill depositing port and a statement slip exit 3, a bill dispensing port 4, a transaction key 5 such as a numeric keypad, a deposit and withdrawal. And the like, a facsimile (FAX) selection key 7, and a liquid crystal panel 8 for displaying operation guidance and an amount of money.
A transmission insertion port 9 is provided. In the figure, reference numeral 10 denotes a transmitting / receiving antenna of the terminal device main body 1, reference numeral 11 denotes a telephone receiver, and reference numeral 12 denotes a safe take-out port provided on a side surface of the terminal device main body 1.

That is, when a bill is inserted from the bill receiving slot 3 at the time of depositing, the terminal device main body 1 turns on the sensor 13 installed in the bill receiving slot 3 as shown in FIG. The information is sent to the communication main controller 14, and the bill is taken in by the take-in roller pair 15.

The bills taken in by the take-in roller pair 15 are inspected by the inspection / FAX printer unit 16, and those other than the bills are reversely fed and rejected from the bill receiving slot 3. I have. on the other hand,
The tickets discriminated from the bills by the inspection / FAX printer unit 16 are counted and stored in the recycling safe 18 by the transport mechanism 17 as they are. At the time of dispensing, bills are taken out of the recycle safe 18 and discharged from the bill dispensing port 4 via the take-out roller pair 19.

Such deposit / withdrawal transaction data is transmitted by the communication main controller 14 to a central processing unit (center CPU) 200 of a remote central processing center.
The statement form receives the data returned from the central processing unit of the central processing center by the communication main control unit 14, and checks and receives the data.
The paper is printed and cut on the facsimile thermal roll paper 20 sent to the facsimile printer section 16 and is discharged from the statement slip exit 3 also serving as a bill receiving port.

The structure of the automatic transaction system using the terminal device body 1 will be described with reference to FIGS. 1 and 4. FIG. 1 shows the entire system of the terminal device body 1, and FIG. It shows.

As shown in FIG. 1, the terminal device main body 1 includes:
A main control unit 100, a customer service unit 101, a bill unit 102, and a mode changeover switch (mode SW) 103 are respectively built in. By switching the mode changeover switch 103, connection to a telephone / fax or the main control unit 100 is established.
It is possible to switch the connection to the.

That is, first, the mode change switch 10
3 is switched to the main control unit 100, the main control unit 100 transmits the telephone number of the central processing unit (center CPU) 200 of the remote central processing center via the modem 104 and the public telephone line (public line). And the center C
It becomes possible to transmit and receive to and from the PU.

Next, the main control unit 100 controls the terminal device main body 1.
Is transmitted to the center CPU 200, and the unique code of the terminal device main body 1 is transmitted to the center CPU 2.
The account numbers are collated by the account number table (ledger) 201 which stores therein the account number stored in 00 and is controlled so as to execute the transaction of the account number corresponding to the unique code, and the transaction becomes possible.

In such a transaction-enabled state, cash is counted or accepted or released based on the deposit / withdrawal transaction data. After the transaction, the deposit / withdrawal transaction data is transmitted to the center CPU 200, and the mode is switched. Switch 10
By switching 3 to a telephone / fax connection,
The operation is completed.

[0020]

As is apparent from the above description, according to the present invention, the transaction is controlled by the unique code of the main body of the automatic transaction apparatus and the account number table corresponding to the unique code. Therefore, since one automatic transaction apparatus handles only one account, it is not necessary to input an account number from a conventional magnetic medium.

As a result, the main body of the automatic transaction apparatus is not provided with a device for handling a magnetic medium, so that the entire apparatus can be reduced in size, weight and cost.
Moreover, it can be easily installed in ordinary households without being limited to the installation location.

[Brief description of the drawings]

FIG. 1 is a schematic explanatory diagram of an entire configuration showing an embodiment of an automatic transaction system according to the present invention.

FIG. 2 is an external view of a home banking terminal device as an automatic transaction device used in the automatic transaction system.

FIG. 3 is a schematic sectional view of a main body of the home banking terminal device.

FIG. 4 is a flowchart of the automatic transaction system.

[Explanation of symbols]

1 Automatic transaction device main body, 100 main control unit, 200
Central processing unit, 201 Account number table (ledger).

Claims (1)

(57) [Claims] 1. An automatic transaction system which performs depositing and dispensing operations unattended by online communication between an automatic transaction device main body and a central processing unit of a remote central processing center, and transmits and receives depositing and dispensing transaction data. Transmitting / receiving means; cash receiving / discharging counting means for receiving or releasing cash by counting cash based on deposit / withdrawal transaction data transmitted / received by the transmitting / receiving means; and a unique code assigned to the automatic transaction apparatus main body. Storage means comprising an account number table for storing an account number for the automatic transaction apparatus, wherein the deposit / withdrawal transaction data is provided with a unique code of the automatic transaction apparatus main body and transmitted to the central processing unit via the transmission / reception means. The central processing unit is controlled to execute a transaction of the account number with respect to the unique code via the storage means. Trading system.