JP3899729B2 - Automatic cash deposit system and apparatus - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic teller system and apparatus for accepting transactions with financial institutions.
[0002]
In recent years, as people's lives become busy and the services of financial institutions become diversified, transactions with financial institutions such as deposits and withdrawals of deposits are increasingly performed without a book.
[0003]
Financial institutions record the transaction history in the center device, but people who use financial institutions do not know the balance of the account because they do not record deposits or withdrawals when they do business without a passbook. is there.
[0004]
Therefore, even when transactions such as deposits and refunds are not performed, it is necessary to be able to record transaction records in a passbook.
[0005]
[Prior art]
In general, an automatic teller system is composed of a center device that keeps records of transactions and one or more automatic teller devices that accept processing such as deposit and withdrawal of deposits.
[0006]
Automatic teller machines are installed in a distributed manner, sensors that detect the approach of humans, a display unit that guides operations, a monitoring timer that monitors the time required for operations, and an account number read from a passbook and not recorded in the passbook A passbook handling department that records data, an input section that inputs processing, a cash handling department that captures cash and confirms that the amount is correct, and notifies the center device of the account number and requests processing, from the center device And a control unit that receives unbooked data, and is connected to a center device installed in a remote place via a network so that it can be used at a place close to the user.
[0007]
The automatic teller payment system generally performs processing such as deposit, withdrawal, transfer, bookkeeping (hereinafter abbreviated as “processing”) regardless of whether or not there is a passbook. In the following explanation, FIGS. A case where depositing and bookkeeping are performed will be described as an example with reference to FIG.
[0008]
The automatic teller machine displays a screen on which the display unit guides the process when the sensor detects the approach of a person. In general, guide the processing of deposit, withdrawal, transfer, bookkeeping, etc., but in this example, display a screen that guides you to choose between deposit and bookkeeping, and simultaneously monitor the time required for selection Start the monitoring timer. (Steps S01 to S03)
If the bookkeeping process is selected via the input unit before the monitoring timer times out, the process proceeds to step S17. If the deposit process is selected, the process proceeds to step S07. The process ends when the monitoring timer times out. (Steps S04 to S06)
When deposit processing is selected, the display unit displays a screen that guides the input of the deposit amount, and simultaneously starts a monitoring timer that monitors the operation time. (Steps S07 to S08)
When the deposit amount is input via the input unit, the process proceeds to step S11, and the process ends when the monitoring timer times out. (Steps S09 to S10)
When the deposit amount is input, the display unit displays a screen for guiding the insertion of cash and simultaneously starts a monitoring timer for monitoring the operation time. (Steps S11 to S12)
When cash is set in the cash handling unit, the process proceeds to step S15, and the process ends when the monitoring timer times out. (Steps S13 to S14)
When the cash handling unit confirms that the inserted cash is in accordance with the deposit amount, the control unit notifies the center apparatus of the account number and the deposit amount, and instructs recording in the transaction DB.
[0009]
In the transaction DB, the customer information (customer name, address, transaction store, account number), transaction amount (deposit date, deposit amount, refund amount), transaction details as shown in FIG. It is a database composed of an unrecorded flag indicating whether it is unrecorded.
[0010]
When the center device receives a recording instruction to the transaction DB, it records the deposit amount as unrecorded data in the account designated by the account number of the transaction DB. (Steps S15 to S16)
The display unit displays a screen for guiding the set of passbooks, and simultaneously activates a monitoring timer for monitoring the operation time. (Steps S17 to S18)
When the bankbook is set in the bankbook handling unit, the process proceeds to step S21, and the process ends when the monitoring timer times out. (Steps S19 to S20)
The passbook handling unit reads the account number from the passbook, and the control unit notifies the center device of the account number and requests transmission of unbooked data. In the center device, the processing unit reads the unbooked data from the account designated by the account number of the transaction DB and sends it to the automatic teller machine, and the unbooked data is made booked. (Steps S21 to S22)
The control unit receives the unbooked data from the center device and transfers it to the bankbook handling unit. The passbook handling unit writes the unbooked data in the passbook, discharges the passbook, and ends the processing. (Step S23)
[0011]
[Problems to be solved by the invention]
However, there is a problem that even if it is intended to use an automatic teller machine for the purpose of bookkeeping, input processing must be performed step by step according to the guidance.
[0012]
The present invention pays attention to the point that the passbook holder will eventually book in the passbook even when using an automatic teller machine for the purpose of depositing, and cash that can be booked without requiring input processing The purpose is to provide an automatic deposit system.
[0013]
[Means for Solving the Problems]
The automatic teller system of the present invention will be described with reference to FIG.
[0014]
The automatic teller machine is generally requested from one or more automatic teller machines 1 that are installed in different regions, receive processing and output processing results, and the automatic teller machine 1 via a network. And a center device 2 that notifies the automatic teller machine 1 of the processing result.
[0015]
The automatic teller machine 1 according to the present invention detects a passbook, reads an account number, and writes unbooked data,
Input means 12 for designating processing and inputting a deposit amount;
Cash handling means 13 for taking cash and comparing it with the deposit amount;
A bookkeeping monitoring means 14 for starting a clock when detecting a bankbook and detecting that a predetermined time has elapsed;
And a control means 15 for instructing the center device 2 to send unrecorded data when a predetermined time has elapsed, and for receiving unrecorded data and instructing the entry into the passbook.
[0016]
The center device 2 includes transaction information holding means 21 that holds transaction information, and processing means 22 that receives a request from the automatic teller machine and returns a response to the automatic teller machine 1.
[0017]
When the bankbook handling means 11 detects that the bankbook is set in the automatic teller machine 1, the bankbook handling means 11 activates the bookkeeping monitoring means 14 and reads the account number from the bankbook.
[0018]
Thereafter, the bookkeeping monitoring means 14 monitors whether or not the designation of deposit is inputted for a certain period of time, and transfers the account number to the control means 15 when the designation of deposit is not inputted even after a certain period of time has passed. .
[0019]
The control means 15 notifies the account number to the center apparatus 2 and requests transmission of unrecorded data.
[0020]
When the center apparatus 2 receives a request for sending unbooked data from the automatic teller machine 1, the processing means 22 reads the unbooked data from the account of the account number from the transaction information holding means 21, and the automatic teller machine 1 And the unrecorded data is recorded in the transaction information holding means 21 as recorded.
[0021]
When the automatic teller machine 1 receives the unbooked data, the control means 15 transfers the unbooked data to the book handling means 11. The passbook handling means 11 writes the unbooked data in the passbook. When the bookkeeping is completed, the passbook is discharged and the processing is terminated.
[0022]
If the deposit monitoring means 14 waits for whether or not the designation of deposit is input for a certain period of time, and the deposit is specified via the input means 12, the booking monitoring means 14 stops the time monitoring.
[0023]
Then, when the deposit amount is input from the input means 12 and the cash is set in the cash handling means 13, the cash handling means 13 confirms the amount and notifies the control means 15 of the account number and the deposit amount.
[0024]
Upon receiving the account number and deposit amount notification, the control unit 15 notifies the center apparatus 2 of the account number and deposit amount, and requests the transaction information holding unit 21 to record the account number and deposit amount.
[0025]
When the center apparatus 2 receives the account number and the deposit amount, the processing means 22 registers the deposit amount as unrecorded data in the account specified by the account number of the transaction information holding means 21.
[0026]
When the automatic teller machine 1 requests the center device 2 to register the deposit, it transfers the account number to the control means 15 again. The control means 15 notifies the center apparatus 2 of the account number and requests transmission of unrecorded data.
[0027]
When the center device 2 receives a request for sending unbooked data from the automatic teller machine 1, the processing means 22 reads the unbooked data from the account specified by the account number of the transaction information holding means 21 and automatically deposits the cash. The data is sent to the apparatus 1, and the unrecorded data is recorded as recorded.
[0028]
When the automatic teller machine 1 receives the unbooked data from the center device 2, the control means 15 transfers the unbooked data to the book handling means 11, and the bankbook handling means 11 records the unbooked data in the book. When the entry is completed, the passbook is discharged and the process is terminated.
[0029]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described with reference to FIGS.
[0030]
As shown in FIG. 2, the automatic teller system includes a center device 2 and one or more automatic teller devices 1.
[0031]
The center apparatus 2 receives a transaction data file (hereinafter referred to as “transaction DB”) 210 that holds transaction information as shown in FIG. 3, an account number, and a deposit amount, and registers them as unrecorded data in the transaction DB 210. And a processing unit 220 that receives the account number and reads and outputs the unrecorded data from the transaction DB 210,
The automatic teller machine 1 includes a sensor 100 that detects the approach of a human, a display unit 102 that displays a screen for guiding operations, a monitoring timer 101 that monitors the time until an instruction is input, and an automatic teller machine. An input unit 120 for inputting an instruction to 1, a passbook handling unit 110 that reads an account number from a passbook and records the unrecorded data in a passbook, and a cash handling unit 130 that takes in cash and checks whether it matches the deposit amount , Send account number to request unbooked data, receive unbooked data transmitted in response to request, transfer to bankbook handling unit 110, send account number and deposit amount to transaction DB 210 And a control unit 150 that requests recording.
[0032]
Next, the flow of processing of the automatic teller system will be described with reference to FIGS.
[0033]
In the automatic teller machine 1, the sensor 100 monitors human approach. When a human approach is detected, the display unit 102 displays a screen for guiding the process, and starts the monitoring timer 101. (Steps S01 to S03)
The automatic teller machine 1 proceeds to step S07 when it detects that the bankbook is set in the bankbook handling unit 110 before the monitoring timer 101 times out, and proceeds to step S13 when it detects that the deposit amount has been input. If the monitoring timer times out, the process is terminated. (Steps S04 to S06)
The automatic teller machine 1 starts the bookkeeping timer 140 and the bankbook handling unit 110 reads the account number from the bankbook. (Steps S07 to S08)
The automatic teller machine 1 displays a screen in which the display unit 102 guides the user to input the deposit amount if it is a deposit process, and displays the remaining time of the timer on the screen until the recording timer 140 times out. indicate. When the deposit amount is input before the bookkeeping timer 140 times out, the process proceeds to step S13, and when the bookkeeping timer 140 times out, the process ends. (Steps S09 to S12)
The automatic teller machine 1 displays a screen on which the display unit 102 guides the insertion of cash, and starts the monitoring timer 101. If the cash handling unit 130 is set before the monitoring timer 101 times out, the process proceeds to step S17. If the monitoring timer 101 times out, the process ends. (Steps S13 to S16)
When the cash handling unit 130 confirms that there is cash according to the input deposit amount, the control unit 150 notifies the center device 2 of the account number and the deposit amount and requests recording in the transaction DB. In the center apparatus 2, the processing unit 220 records it as unrecorded data in an account designated by the account number of the transaction DB 210. (Steps S17 to S18)
In the automatic teller machine 1, the control unit 150 notifies the center apparatus 2 of the account number and requests transmission of unrecorded data. In the center device 2, the processing unit 220 receives the request, reads the unbooked data from the account specified by the account number of the transaction DB 210, sends it to the automatic teller machine 1, and records the unbooked data as booked. To do. (Step S19)
In the automatic teller machine 1, the control unit 150 receives unbooked data from the center device 2 and transfers it to the passbook handling unit 110. The passbook handling unit 110 writes the unbooked data in the passbook, discharges the passbook, and ends the process. (Steps S20 to S21)
[0034]
【The invention's effect】
As described above, according to the present invention, when using an automatic teller machine for bookkeeping, there is an effect that it is possible to make a book simply by setting a passbook without an input operation, and further, the deposit amount is input after the passbook is set. If it does, there is an effect that a book can be done without performing the subsequent operation.
[Brief description of the drawings]
FIG. 1 is a diagram showing the principle of the present invention. FIG. 2 is a block diagram of an automatic teller system according to the present invention. FIG. 3 is a diagram showing transaction information.
FIG. 5 is a flowchart (part 2) of the present invention.
FIG. 6 is a flowchart of a conventional example (part 1).
FIG. 7 is a flowchart of a conventional example (part 2).
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 Automatic teller machine 2 Center apparatus 11 Passbook handling means 12 Input means 13 Cash handling means 14 Book monitoring means 15 Control means 21 Transaction information holding means 22 Processing means 100 Sensor 101 Monitoring timer 102 Display part 110 Passbook handling part 120 Input part 130 Cash Handling Unit 140 Bookkeeping Timer 150 Control Unit 210 Transaction Database (abbreviated as “Transaction DB”)
220 processor

Claims (3)

An automatic cash deposit system comprising a center device for holding transaction data and one or more automatic cash deposit devices for accepting transactions,
A passbook handling means for detecting a passbook, reading an account number, and writing unbooked data in a passbook;
Bookkeeping monitoring means for detecting the passage of a predetermined time by detecting the time when a passbook is detected;
Control means for requesting transmission of unrecorded data to the center apparatus and receiving unrecorded data;
An automated teller machine with an automated teller machine. An automatic teller machine for an automatic teller machine comprising a center device for holding transaction data and one or more automatic teller machines for accepting transactions,
A passbook handling means for detecting a passbook, reading an account number, and writing unbooked data in a passbook;
Bookkeeping monitoring means for detecting the passage of a predetermined time by detecting the time when a passbook is detected;
Control means for notifying the center device of the account number, requesting transmission of unrecorded data of the account designated by the account number, and receiving unrecorded data;
Automatic teller machine having An input means for inputting a request;
3. The automatic teller machine according to claim 2, wherein when a request is input before a predetermined time elapses, the control means performs processing corresponding to the request.

Images