JP3280400B2 - Automatic transaction equipment - 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 apparatus for automatically performing deposit and withdrawal transactions, and more particularly to an automatic transaction apparatus suitable for facilitating transaction processing when a failure occurs during a transaction.

[0002]

2. Description of the Related Art In a financial institution and the like, automatic cash deposit / withdrawal processing using a card is widely used today. However, in a conventional automatic transaction device, some trouble occurs during a transaction with this device. When this occurs, the customer's card or passbook may be captured in the automated teller machine and not returned.
At this time, the customer had to wait at the site for a long time until the recovery processing by the staff of the financial institution or the like managing the automatic transaction apparatus was completed. JP-A-1-25806
The technology disclosed in Japanese Patent Publication No. 5 is proposed as a countermeasure for this. As shown in FIG. 7, for example, when a failure occurs in the bookkeeping operation, printing on the passbook is stopped and the deposit / withdrawal processing is already completed. For such transactions, a blank entry receipt / withdrawal statement is issued, the passbook is returned, and the customer is released from the transaction operation.

[0003]

As described above, since the conventional automatic transaction apparatus has only the obstacle avoidance means, the customer is not restricted to the automatic transaction apparatus for a long time. During normal operation, the processes that are naturally executed, such as passbook printing, will be omitted, and the automatic transaction device itself does not have a self-recovery function against a failure, so the recovery process is left to the staff of the staff. This was a problem from the viewpoint of smooth operation of financial transactions. The present invention, in addition to the degraded operation function,
With the automatic transaction device itself having a recovery processing function,
It is an object of the present invention to provide an automatic transaction apparatus which solves the above-mentioned problems and aims at improving the operation rate and realizing a smooth financial transaction.

[0004]

Means for solving the above problems are described in the claims. That is, an object of the present invention is to provide an automatic transaction apparatus that handles transaction media, a failure detection unit that detects a failure of each part configuring the automatic transaction apparatus, and a recovery of a failure part detected by the failure detection unit. Recovery means for performing processing;
Display means for displaying the fault, a plurality of fault recovery patterns for taking measures against the fault site detected by the fault detection means are displayed on the display means, and the selected fault recovery pattern is displayed. It said recovery means is achieved me by <br/> automatic transaction equipment, characterized in that executing the recovery process of the fault site in accordance with the.

[0005]

In the event that any failure occurs during a transaction using the automatic transaction device having the above configuration, if the failed part can be operated in a degraded manner, the failed part is automatically separated and temporarily stopped. Then, while the transaction with the customer is continued as it is, in the automatic transaction apparatus, in parallel with the transaction operation, the self-recovery means for the faulty part executes the recovery processing and then releases the reduced operation.

[0006] When the degraded operation is not possible, a recovery processing procedure for the failed part is displayed to the customer during the transaction, and a recovery processing function incorporated in the automatic transaction apparatus is provided.
Alternatively, a process of restoring a failed part is performed by an input process from a selection key.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an automatic transaction apparatus according to the present invention will be described in detail based on embodiments. FIG. 1 is a block diagram showing a configuration of an embodiment of the automatic transaction apparatus according to the present invention. The automatic transaction apparatus 1 includes a medium handling unit 4 for sending and receiving a transaction medium 3 such as a card and cash to and from the customer 2, a display unit 5 for displaying transaction information with the customer, and a key operation by the customer 2. Input means 6 for inputting by means of a host computer (hereinafter referred to as C)
A transaction information transmitting / receiving means 8 for transmitting / receiving the transaction information to / from the PU 7 and an operation management means 9 for operating and managing each of these parts. A failure detection unit 10 for detecting a failure in each part; a degeneration, that is, an automatic degeneration unit 11 for separating the failure occurrence part and shifting to a state in which a part of the transaction function is stopped and operated; Self-recovery means 12 for performing a recovery process on the part is also provided.

FIG. 2 is a block diagram showing details of the functional configuration of the embodiment shown in FIG. In FIG. 2, a main control unit 13 as an operation management unit 9 has a function of controlling the whole by a first microprocessor (GP) 14, and a control program is stored in a magnetic disk (DK) 15. Are loaded and stored in the memory 16 when the power is turned on. The second microprocessor (LP) 17 of the main control unit 13 includes a card handling mechanism (MCU) 18 as a medium handling means 4 and a statement slip issuing mechanism (SP).
R) 19, a passbook handling mechanism (hereinafter PBM) 20, a bill handling mechanism (hereinafter BRM) 21, and a third microprocessor (E-P) 34 of each mechanism of the journal printing mechanism (hereinafter JPR) 22 and the inside of the apparatus. It is connected by a line, manages the operation of each part, and has a failure detection means 10 and an automatic degeneration means 1
1 and a function as self-healing means 12. The main control unit 13 is connected to the touch panel 23 as the input unit 6 and the liquid crystal 24 as the display unit 5. Further, the main control unit 13 includes the line control unit 2 as the transaction information transmitting / receiving unit 8.
5 is connected to the CPU 7 via a dedicated line.

In the medium handling means 4, the MCU 18 reads and writes magnetic stripe data on the card 26 as the transaction medium 3, the SPR 19 prints the transaction contents on the statement slip 27 and then releases it, and the PBM 20 outputs the passbook. 2
8 to read magnetic stripe data and print transaction information. The BRM 21 performs a deposit process and a withdrawal process of the banknote 29 in accordance with the transaction contents with the customer 2, and the JPR 22 prints out the transaction contents of the automatic transaction apparatus 1. The contents are printed on the journal 30 in chronological order.

Further, an intercom 31 is provided near the automatic transaction apparatus 1, and when a failure occurs, the customer 2
Is able to talk to staff at financial institutions. When a clerk is not on site, such as outside a store, the operation status of the automatic transaction apparatus 1 can be monitored by the remote monitoring device 32 connected to the line control 25 of the automatic transaction apparatus 1. .

FIG. 3 is a system diagram corresponding to a failure in a passbook deposit transaction showing the first embodiment of the automatic transaction apparatus of the present invention. FIG.
First, when the passbook 28 and the banknote 29, which are the media brought by the customer 2, are inserted into the automatic transaction apparatus 1 (S1), PB
At M20, the magnetic stripe data of the passbook 28 is read (S2), and account confirmation and the like are executed. The customer 2 performs a deposit operation on the automatic transaction apparatus 1 (S3).

The BRM 21 counts the bills 29 (S
4) After that, a message of the payment processing request is transmitted to the CPU 7 (S5). After the CPU 7 updates the master file 33 (S6), a payment permit message is transmitted to the automatic transaction apparatus 1 (S7). In response to this, in the automatic transaction apparatus 1, the BRM 21 stores the bill 29 (S8), and the PBM 20 prints the passbook 28 (S9).

On the other hand, in the JPR 22, printing of the transaction contents on the journal 30 is started when the bill counting in S4 is completed (S10). At this time, if a failure such as a jam occurs in the journal 30 (S11), the failure detection means 10 shown in FIG. 2 detects this, and then the automatic degeneracy means 11 of the automatic transaction apparatus 1 determines that the JPR 22 cannot operate. Judgment and contraction operation is performed, and the contents of the transaction are stored in an electronic journal such as floppy disk (FD) or magnetic disk (D
K) 15 is written (S12).

At the same time, the self-healing means 1 of the automatic transaction apparatus 1
2 executes a recovery operation of the mechanism unit for the JPR 22 (S1
3) The failure detecting means 10 determines whether or not recovery has been made (S14). If the recovery is OK, the printing of the journal 30 is restarted (S15). In the case of recovery NG, the self-recovery means 12 of the automatic transaction apparatus 1 reloads the processing program to the JPR 22 (S16), and then executes the recovery operation of the mechanism again (S17). As a result, recovery OK
(S18), the printing of the journal 30 is restarted (S15), and in the case of recovery NG, the automatic degeneration means 11 until the clerk checks the automatic transaction apparatus 1 by replenishing bills or the like.
Continues the degenerate operation (S19). During this time, there is no problem because the transaction contents are continuously written in the electronic journal FD or DK15.

The automatic transaction apparatus 1 has a passbook 2 at the PBM 20.
No. 8 was written in the magnetic stripe (S2
After 0), the passbook 28 is returned to the customer 2 (S21), and the transaction ends.

FIG. 4 is a failure handling system diagram in a passbook deposit transaction showing a second embodiment of the automatic transaction apparatus of the present invention. The procedure from the insertion of the medium (S1) to the printing of the transaction contents on the journal 30 (S10) is the same as that in FIG. In FIG. 4, if a failure occurs during printing of the passbook 28 in the PBM 20 (S11), the failure detection unit 1 shown in FIG.
0 detects this, the operation management means 9 of the automatic transaction apparatus 1 displays the failure occurrence to the customer 2 by the display means 5 of FIG. 2 (S12). Subsequently, the self-recovery means 12 displays some possible failure measures and requests the customer 2 for a selection instruction (S13). In this embodiment, four patterns of print retry, initial recovery, statement slip issue, and new passbook issue are prepared. The customer 2 operates the touch panel 2 of FIG.
By selecting a key from No. 3, a countermeasure selecting operation is performed (S14).

If a print retry pattern is selected,
After the PBM 20 once returns the passbook 28 to the customer 2 by the self-healing means 12 (S15), the PBM 20 performs a recovery processing operation of the mechanical unit (S16). The failure detecting means 10 checks whether or not the failure has been recovered (S17). If the recovery is OK, the customer 2 is re-inserted the passbook 28 (S18), and the passbook printing is resumed (S19). On the other hand, in the case of the recovery NG, the operation of the PBM 20 is stopped by the automatic degeneration means 11 shown in FIG. 2, and the degeneration operation is performed only for the non-passbook business until it is processed by the staff (S20).

If the initial recovery pattern is selected, the self-recovery means 12 reloads the processing program to the PBM 20 (S21), and then performs the recovery processing operation of the mechanism including the return of the passbook 28. Perform (S22). Then, the failure detection means 10 checks whether the failure recovery is OK or NG (S17), and performs the following steps S18 to S20.

Further, if a new passbook issuance pattern is selected, the passbook 28 brought by the customer 2 is returned (S2).
3) A new passbook set in the PBM 20 is fed out (S24), and printing is performed on the passbook (S25).

On the other hand, if the statement issuance pattern is selected, the SPR 19 prints the transaction details on the statement (S26), and the PBM 20 returns the passbook 28 (S26).
15) Then, the steps from S16 to S20 are performed. Finally, the automatic transaction apparatus 1 releases and returns a medium such as a statement slip and a passbook to the customer 2 and ends the transaction.

FIG. 5 is a system diagram corresponding to a failure in a passbook withdrawal transaction in the first embodiment of the automatic transaction apparatus of the present invention.
When the customer 2 inserts the card 26 as a transaction medium into the automatic transaction apparatus 1 (S1), the card
After reading the magnetic stripe data of No. 6 and executing account confirmation and the like (S2), the customer 2 performs a withdrawal operation (S3). The automatic transaction apparatus 1 transmits a message of the withdrawal processing request to the CPU 7 (S4), and starts printing the transaction contents on the journal 30 by the JPR 22 (S5). C
The update of the master file 33 is performed by the PU 7 (S6).
After that, a message of withdrawal permission is transmitted to the automatic transaction apparatus 1 (S7). In response, the automatic transaction device 1
The RM 21 counts the number of bills 29 fed out (S8), and the SPR 19 prints the statement slip 27 (S8).
9). At this time, if a failure such as a jam occurs in the SPR 19 (S10), the failure detecting means 10 detects the failure and the operation management means 9 of the automatic handling apparatus 1 shown in FIG. The occurrence of a failure is displayed on the display means 5 by the liquid crystal 24 (S11). Continuously, self-healing means 12
Displays a plurality of failure countermeasures on the liquid crystal 24 and requests the customer 2 for a selection instruction (S12). In the embodiment of FIG. 5, five patterns are prepared: statement slip unnecessary, print retry, mechanism unit recovery, initial recovery, and attendant call.

The customer 2 selects any one of the five patterns displayed on the liquid crystal 24 and performs a countermeasure selecting operation by inputting a key through the touch panel 23 (S13). When a pattern that does not require a statement slip is selected, the operation of the SPR 19 is stopped by the automatic degeneration means 11, and the processing is continued by a degeneration operation that does not issue a statement slip (S14).

When a print retry pattern is selected,
After retrieving the statement in the middle of printing (S15), the SPR 19 performs reprinting while feeding out a new statement (S1).
6). The failure detecting means 10 shown in FIG. 2 checks whether the failure recovery of the SPR 19 is OK or NG (S17), and the recovery NG
In the case of (1), it is displayed by the liquid crystal 24 that the failure is not recovered (S18). Since the countermeasure instruction request is continuously displayed (S19), the customer 2 selects the fault countermeasure again (S1).
3) Repeat the following steps.

When the restoration pattern of the mechanism is selected,
After retrieving the statement slip (S20), the SPR 19 performs a recovery processing operation of the mechanism section (S21), and repeats the steps from S16 onward after reprinting the statement slip.

When the initial recovery pattern is selected, the self-recovery means 12 of the automatic transaction apparatus 1 reloads the processing program to the SPR 19 (S22), and then executes the processing of the mechanism including collection of the statement slip. A recovery processing operation is performed (S2
3) The steps after reprinting the statement slip in S16 are repeated.

Finally, the automatic transaction apparatus 1 issues a statement slip, bill and card medium to the customer 2 and returns it to the customer 2 to end the transaction (S24).

When the clerk calling pattern is selected, the operation management means 9 shown in FIG. 2 of the automatic transaction apparatus 1 calls the clerk from the remote monitoring device 32 and communicates with the customer through the interphone 31 attached to the automatic transaction apparatus 1. It is possible to directly talk about the countermeasures against the failure (S25). Until the clerk performs the recovery process, the automatic transaction apparatus 1 stops operating (S
26).

FIG. 6 is a system diagram corresponding to a failure in a non-passbook withdrawal transaction in the second embodiment of the automatic transaction apparatus of the present invention.
The steps from S1 for inserting the medium to S8 for counting the bills to be dispensed are the same as those in FIG. In FIG. 6, BRM2
In 1, when a failure occurs at the start of feeding out a 1,000-yen ticket after counting the 10,000-yen ticket (S 9), the failure detection means 10 shown in FIG. 2 detects this and the operation management means 9 in FIG. The occurrence is displayed on the liquid crystal 24 (S10). Subsequently, the failure countermeasure means is displayed and the customer 2 is requested to make a selection and input an instruction (S11). In this embodiment, withdrawal cancellation,
Only for 10,000 yen, there are four patterns of restoration of mechanism and initial restoration.

The customer 2 selects any one of the four patterns and makes a key input to perform a measure selecting operation (S12). When the withdrawal canceling pattern is selected, the BRM 21 collects the bills in the withdrawal processing (S13), and the automatic transaction apparatus 1 transmits a message of a withdrawal correction processing request to the CPU 7 (S4 ').
After correcting the master file (S6 '), the CPU 7
The correction permit message is transmitted to the automatic transaction apparatus 1 (S
7 '). The automatic degeneration means 11 of the automatic transaction apparatus 1 is a BRM 2
1 is stopped and the process is connected by the degenerate operation (S
14).

When a pattern of only 10,000 yen is selected,
Execution of the withdrawal amount correction operation by the customer operation (S1
5) The BRM 21 performs a withdrawal process using only the ten thousand yen note (S16), so that the automatic degenerate means 11 stops the feeding and counting operations of the one thousand yen note and continues the degenerate operation (S17).

When the restoration pattern of the mechanism is selected,
The BRM 21 collects the bills during the dispensing process (S18), performs a restoring operation of the mechanical unit once (S19), and then performs billing counting again (S19). The failure detecting means 10 checks whether the failure recovery of the BRM 21 is OK or NG (S
21) In the case of recovery NG, the failure is not recovered by the liquid crystal 24 (S22), and a request for a countermeasure instruction is subsequently displayed (S23), so that the customer 2 again selects the fault recovery means (S12). Repeat the steps.

When the initial recovery pattern is selected,
After reloading the processing program to the BRM 21 (S24), the self-recovery means 12 of the automatic transaction apparatus 1 performs a recovery processing operation of the mechanical unit including the collection of the banknote in preparation for dispensing (S25). Hereinafter, the steps after S20 of bill counting are repeated.

Finally, the automatic transaction apparatus 1 releases and returns the statement slip, bill, and card to the customer 2 and ends the transaction (S26).

In the above description, countermeasures for failures during customer transactions have been described. However, if the failures have not been recovered, the automatic transaction apparatus 1 continues the degenerate operation and the self-recovery means 12 performs customer replacement. It also has a self-healing function that sequentially executes failure countermeasure procedures using a pre-installed program using idle time etc., and this function does not require the customer himself to input operation for failure recovery In such a case, it is a matter of course that the self-healing function has a configuration that can be controlled to operate automatically.

[0035]

As described above in detail, according to the automatic transaction apparatus of the present invention, a part where a failure has occurred can be cut off and degenerated, and processing can be continued by alternative means. In the case of failure recovery, self-recovery functions enable unattended recovery, which is extremely effective from the standpoint of smooth operation of financial transactions, and reduces the burden on maintenance personnel for automatic transaction equipment. It can be significantly reduced.

Further, even when a failure occurs in a part that does not perform the degraded operation, the failure recovery processing can be performed by a simple customer operation, so that the customer is not restrained for a long time until a clerk arrives, and the automatic transaction apparatus is not used. It has a remarkable effect such as an improvement in the operation rate of the service and an improvement in the overall customer service.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of an automatic transaction apparatus according to the present invention.

FIG. 2 is a block diagram showing details of a functional configuration of the embodiment shown in FIG. 1;

FIG. 3 is a system diagram showing failure handling of an embodiment of the automatic transaction apparatus according to the present invention.

FIG. 4 is a system diagram showing failure handling of an embodiment of the automatic transaction apparatus according to the present invention.

FIG. 5 is a system diagram showing failure handling of an embodiment of the automatic transaction apparatus according to the present invention.

FIG. 6 is an explanatory diagram illustrating individual failure handling when a failure occurs in each transaction according to the present invention.

FIG. 7 is an explanatory diagram of failure handling in a passbook deposit transaction by a conventional automatic transaction device.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Customer 3 Transaction medium 4 Medium handling means 5 Display output means 6 Input means 7 CPU 8 Transaction information transmission / reception means 9 Operation management means 10 Failure detection means 11 Automatic degeneration means 12 Self-recovery means 13 Main control unit 14 First 15 FD or DK 16 Memory 17 Second microprocessor 18 MCU 19 SPR 20 PBM 21 BRM 22 JPR 23 Touch panel 24 Liquid crystal 25 Line control unit 26 Card 27 Statement slip 28 Passbook 29 Banknote 30 Journal 31 Interphone 32 Remote monitoring Device 33 Transaction information file 34 Third microprocessor S1 to S26 Processing steps

Claims (1)

(57) [Claims] 1. An automatic transaction apparatus for handling a transaction medium, wherein: a failure detection means for detecting a failure of each part constituting the automatic transaction apparatus; and a recovery process for a failure part detected by the failure detection means. Recovery means, and display means for displaying the failure, displaying a plurality of failure recovery patterns on the display means for coping with a failure site detected by the failure detection means; An automatic transaction apparatus, wherein the recovery means executes a recovery process of a failed part according to a recovery pattern.