JP4360556B2 - Automatic transaction apparatus and recording medium - Google Patents

Description

The present invention is installed in a store such as a bank or other financial institution, and is an automatic transaction such as an ATM (Autmatic Tellers Machine) for performing transactions such as deposits and withdrawals based on a customer operation, and a CD (Cash Dispencer) for performing withdrawal transactions. Regarding the device, in particular, when the passbook with the MS data destroyed is restored on the spot or when the MS data cannot be restored, an automatic one that can issue a new passbook with the transaction information of the original passbook The present invention relates to a transaction apparatus and a recording medium .

  A conventional example will be described below.

§1: Explanation of automatic transaction devices Conventionally, automatic transaction devices such as ATMs that are installed in financial institutions such as banks and that perform transactions such as deposits and withdrawals based on customer operations, CDs that perform withdrawal transactions, A printer device for printing transaction information on a customer transaction passbook (hereinafter simply referred to as “passbook”) and other booklet media (for example, a booklet slip) has been provided.

  The automatic transaction device automatically prints the necessary account information on the cover without any attendant when the passbook is full while printing on the passbook with the internal printer (passbook printer unit). Issue a new passbook. For this reason, a passbook issuing unit for reissuing a new passbook with the necessary account information printed on the cover is provided.

  The bankbook is provided with a magnetic stripe (hereinafter referred to as “MS”) for writing customer transaction information, and magnetic stripe data (hereinafter referred to as “MS data”) is written into the MS. ing.

  By the way, the MS data of the passbook used by the customer for the transaction may be destroyed. This may occur, for example, when a magnet is placed on the bankbook side. As described above, when the MS data of the bankbook is destroyed by a magnet or the like, the automatic transaction apparatus cannot perform transactions using the bankbook. In other words, when the MS data is destroyed, the bankbook cannot be handled by the automatic transaction apparatus, so the customer needs to go to a window such as a financial institution to make a declaration.

The conventional apparatus as described above has the following problems.

  As described above, when the MS data in the passbook is destroyed, it cannot be handled by the automatic transaction apparatus. In other words, in order to conduct transactions using a passbook in an automatic transaction device, it is necessary to insert the passbook so that the MS data can be read normally, and the passbook that results in a read error due to destruction of the MS data is returned to the customer It was impossible to handle.

  Therefore, in such a case, it is necessary for the customer to bring a passbook with the MS data destroyed and report to the counter. However, financial institutions such as banks are closed outside business hours (holidays, holidays, weekday nights, etc.) and cannot handle bankbooks. Therefore, the customer has to wait until the window is opened, which is inconvenient.

  The present invention solves such a conventional problem, and when the MS data in the passbook is destroyed, the destroyed MS data can be restored or reissued on the spot without going to the counter. The purpose is to do.

  In order to achieve the above object, the present invention is configured as follows.

(1): The inserted bankbook is used in an automatic transaction apparatus that handles a bankbook with a magnetic stripe that records transaction information inserted by a customer and a card that records transaction information, and performs transactions based on customer operations. When a read error of the magnetic stripe data of the bankbook occurs during the transaction, the information acquisition means for acquiring the card information read from the card inserted by the customer and the password entered by the customer, and the information acquisition means MS recovery request means for sending the card information and password to the center and requesting the restoration of the magnetic stripe data of the passbook, and the center based on the card information and the password acquired by the information acquisition means and transmitted to the center The information on the magnetic stripe for restoration of the passbook is based on the account information that is judged to be valid and transmitted. An MS restoration means for writing, and when a read error occurs in the magnetic stripe data of the passbook inserted during the transaction, the card information read from the card inserted by the customer by the information acquisition means and the customer input Based on the card information and personal identification number acquired by the information acquisition unit and transmitted to the center, the MS restoration request unit acquires the personal identification number, sends the card information and personal identification number acquired by the information acquisition unit to the center. After the center has written the information on the magnetic stripe for restoring the passbook based on the transmitted account information that the center has determined that the validity of the request is permitted, the passbook is returned to the customer. It is characterized by performing an operation.

(2): In the automatic transaction apparatus of (1), if a read error of the magnetic stripe data of the passbook occurs, the customer is asked whether to restore the magnetic stripe or reissue the passbook as a subsequent process. An MS restoration key for selection is provided.

(3): In the automatic transaction apparatus according to (1), the MS restoration means includes a bankbook in which the read error has occurred on the basis of account information transmitted when the center determines that the validity of the request is permitted. A function to write the magnetic stripe data to the magnetic stripe to restore the magnetic stripe data, return the passbook to the customer when the operation ends normally, terminate the processing, and reissue the passbook when the operation ends abnormally. It is characterized by.

(4): In the automatic transaction apparatus (1), the MS restoring means, when restoring the magnetic stripe data of the passbook, the passbook to restore the magnetic stripe data, identifies the customer, the validity of the passbook It is characterized by having a function of obtaining validity of a passbook by printing information that can be determined.

(5): The inserted bankbook is used in an automatic transaction apparatus that handles a bankbook with a magnetic stripe that records transaction information inserted by a customer and a card that records transaction information, and performs transactions based on customer operations. When a read error of the magnetic stripe data of the bankbook occurs during the transaction, the information acquisition means for acquiring the card information read from the card inserted by the customer and the password entered by the customer, and the information acquisition means MS recovery request means for sending the card information and password to the center and requesting the restoration of the magnetic stripe data of the passbook, and the center based on the card information and the password acquired by the information acquisition means and transmitted to the center Write information to the magnetic stripe to restore the passbook based on the transmitted account information that the request is deemed valid MS read-out means for performing read only, and when a read error occurs in the magnetic stripe data of the passbook inserted during the transaction, the card information read from the card inserted by the customer by the information acquisition means and the customer input Based on the card information and personal identification number acquired by the information acquisition unit and transmitted to the center, the MS restoration request unit acquires the personal identification number, sends the card information and personal identification number acquired by the information acquisition unit to the center. After the center has written the information on the magnetic stripe for restoring the passbook based on the transmitted account information that the center has determined that the validity of the request is permitted, the passbook is returned to the customer. A computer-readable recording medium in which a program for performing an operation is recorded .

(Function)
The operation of the present invention based on the above configuration will be described with reference to FIG.

  (1): The control unit 7 (information acquisition unit) of the automatic transaction apparatus 1 reads the passbook information read from the passbook (in the middle of writing) when a read error of the MS data of the passbook occurs during the transaction using the passbook. Print page, print line, etc.) and transaction print information, card information (account number, store number, etc.) read from the card inserted by the customer (transaction cash card), and password entered by the customer .

  Next, the control unit 7 (MS restoration / passbook reissue request means) of the automatic transaction apparatus 1 sends the information acquired by the information acquisition means to the host computer 2 in the center, and restores the MS data of the passbook or the passbook. Request reissue. In response to the request, permission information (permission message + MS data) as a result of determining the validity of the request is notified from the host computer 2 in the center, the control unit 7 (MS restoration / passbook) of the automatic transaction apparatus 1 The reissuing means) restores the passbook MS data or reissues the passbook based on the permission information.

  In this way, the customer simply inserts a passbook and a card with the same account number (cash card) into a predetermined insertion slot of the automatic transaction apparatus 1, and simply inputs a recitation number from the customer operation screen. Thus, the passbook with the MS data restored or the reissued passbook can be obtained immediately on the spot. Therefore, it is possible to carry out transactions immediately on the spot.

  That is, if the MS data in the passbook is destroyed, you can immediately restore the destroyed MS data or reissue the booked passbook without visiting a financial institution such as a bank. Service can be improved. In addition, labor savings in window operations at financial institutions can be achieved.

  (2): Since the MS restore key is newly provided in the customer operation unit 14, when a read error of the passbook MS data occurs in the passbook printer unit 10, the customer restores the MS displayed on the customer operation unit 14. With the key 29, it is possible to select restoration of the MS data of the passbook or reissue of the passbook.

  Accordingly, the customer can easily obtain the passbook with the MS data restored or reissued on the spot by operating the MS restore key. And the customer can continue the transaction immediately on the spot.

  (3): The MS restoration / passbook reissue means performs the MS data restoration process by writing the MS data to the passbook MS in which the read error has occurred, based on the permission information received from the center. When finished, return the passbook to the customer and finish the process, and if it ends abnormally, reissue the booked passbook. In this way, if it is only necessary to restore the MS data, there is no need to reissue the passbook, and the processing is simple and requires a short time.

  (4): MS restoration / passbook reissuing means, when restoring the MS data of the passbook, or when reissuing the passbook, information that can identify and determine a customer in the passbook that restores the MS data (for example, The account number read out from the card) is printed (may be printed outside the field), and the validity of the passbook is obtained. In this way, the validity of the passbook can be determined more accurately.

  (5): By reading and executing the program from the recording medium, when a read error of the magnetic stripe data of the passbook occurs during the transaction using the passbook, the card information read from the card inserted by the customer and the customer The information acquisition means for acquiring the password entered by the user, the MS recovery request means for sending the information acquired by the information acquisition means to the center, and requesting the recovery of the magnetic stripe data of the passbook, and the information acquisition means If the permission information as a result of the center judging the validity of the request based on the card information transmitted to the personal identification number and the password is notified, information to the magnetic stripe for restoring the passbook based on the permission information The processing for realizing the function of the MS restoring means for performing the writing is performed.

  In this way, the customer can insert a passbook and a card (cash card) with the same account number into a predetermined insertion slot of the automatic transaction apparatus, and simply enter a recitation number from the customer operation screen. Immediately, the restored passbook of the MS data or the reissued passbook can be obtained. Therefore, it is possible to carry out transactions immediately on the spot.

  That is, if the MS data in the passbook is destroyed, you can immediately restore the destroyed MS data or reissue the booked passbook without visiting a financial institution such as a bank. Service can be improved. In addition, labor savings in window operations at financial institutions can be achieved.

As described above, the present invention has the following effects.

  (1): With the extension of the operating hours of automatic transaction equipment, it has become possible to handle the bankbook after hours. However, the automatic transaction equipment cannot handle a bankbook with MS data destroyed due to the influence of magnets, etc. Window declaration is necessary. According to the present invention, when it is determined in the automatic transaction apparatus that the bank data has been destroyed, the MS data can be immediately restored or the bank book can be reissued. Accordingly, it is possible for the customer to continue the transaction immediately on the spot without going to the window. As a result, the service to customers is improved, and the labor of the window service is also saved.

  (2): The control unit (information acquisition means) of the automatic transaction apparatus reads the passbook information read from the passbook (printing in the middle of writing) when an MS data read error occurs during the transaction using the passbook. Page, print line, etc.) and transaction print information, card information (account number, store number, etc.) read from a card inserted by the customer (transaction cash card), and a password entered by the customer.

  Next, the control unit 7 (MS restoration / passbook reissue request means) of the automatic transaction apparatus sends the information acquired by the information acquisition means to the host computer in the center, and restores the MS data of the passbook or reissues the passbook. Request. In response to the request, permission information (permission message + MS data) as a result of determining the validity of the request is notified from the host computer 2 in the center, the control unit 7 (MS restoration / passbook) of the automatic transaction apparatus 1 The reissuing means) restores the passbook MS data or reissues the passbook based on the permission information.

  In this way, the customer can insert a passbook and a card (cash card) with the same account number into a predetermined insertion slot of the automatic transaction apparatus, and simply enter a recitation number from the customer operation screen. Immediately, the restored passbook of the MS data or the reissued passbook can be obtained. Therefore, it is possible to carry out transactions immediately on the spot.

  That is, if the MS data in the passbook is destroyed, you can immediately restore the destroyed MS data or reissue the booked passbook without visiting a financial institution such as a bank. Service can be improved. In addition, labor savings in window operations at financial institutions can be achieved.

  (3): By providing a new passbook print character reading unit in the passbook printer unit, the passbook print character reading unit receives the final print balance information from the passbook as the transaction print information based on an instruction from the control unit. Can be read. Then, the read final print balance information is sent to the control unit 7. The control unit sends the information to the center when the MS data restoration / passbook reissue request is made. The center uses the final print balance information to send the information. By judging the validity of the request, an accurate validity judgment can be made.

  (4): Since the MS recovery key is newly provided in the customer operation unit, when a read error of the passbook MS data occurs in the passbook printer unit, the customer uses the MS recovery key displayed on the customer operation unit to It is possible to select to restore the passbook MS data or to reissue the passbook.

  Accordingly, the customer can easily obtain the passbook with the MS data restored or reissued on the spot by operating the MS restore key. Therefore, it is possible to carry out transactions immediately on the spot.

  (5): The information sent to the center includes account information (account number) read from the card, personal identification number entered by the customer, book entry information read from the passbook, page information, line information, and final print balance information. . Accordingly, the center can accurately and quickly determine the validity of the MS data restoration / passbook reissue request based on the information.

  (6): The MS restoration / passbook reissue means performs the MS data restoration process by writing the MS data to the passbook MS in which the read error has occurred, based on the permission information received from the center. When the process ends normally, the bankbook is returned to the customer and the process is terminated. When the process ends abnormally, the booked bankbook is reissued. In this way, if it is only necessary to restore the MS data, there is no need to reissue the passbook, and the processing is simple and requires a short time.

  (7): MS restoration / passbook reissuing means, when restoring the MS data of the passbook, or when reissuing the passbook, information that can identify and determine a customer in the passbook from which the MS data is restored (for example, The account number read out from the card) is printed (may be printed outside the field), and the validity of the passbook is obtained. In this way, the validity of the passbook can be determined more accurately.

  (8): When a read error of the MS data of the passbook occurs during the transaction using the passbook by reading and executing the program from the recording medium, the passbook information and the transaction print information read from the passbook; Information acquisition means for acquiring the card information read from the card inserted by the customer and the personal identification number input by the customer, the information acquired by the information acquisition means is sent to the center, and the MS data of the passbook is restored or the passbook is restored. MS restoration / passbook reissue request means for requesting issuance, and when the permission information as a result of determining the validity of the request is notified from the center to the request, the MS data of the passbook is based on the permission information. Processing for realizing the function of the MS restoration / passbook reissuing means for restoring the banknote or reissuing the bankbook.

  In this way, the customer can insert a passbook and a card (cash card) with the same account number into a predetermined insertion slot of the automatic transaction apparatus, and simply enter a recitation number from the customer operation screen. Immediately, the restored passbook of the MS data or the reissued passbook can be obtained. Therefore, it is possible to carry out transactions immediately on the spot.

  That is, if the MS data in the passbook is destroyed, you can immediately restore the destroyed MS data or reissue the booked passbook without visiting a financial institution such as a bank. Service can be improved. In addition, labor savings in window operations at financial institutions can be achieved.

Embodiments of the present invention will be described in detail below with reference to the drawings.

§1: Description of system: see FIG. 2 FIG. 2 is an explanatory diagram of the system. This system is a system used for conducting transactions in a financial institution such as a bank, and includes an automatic transaction apparatus 1 (generally a plurality) installed in each sales office and a host computer in a remote center. 2 is a system connected by a communication line 3. In this case, a plurality of automatic transaction apparatuses 1 at each branch are connected to one host computer 2.

  The center host computer 2 is provided with a center ledger 4 (storage device storing the ledger data). The center ledger 4 stores customer transaction information and the like, and is managed by a center staff. Yes. The data of the center ledger 4 includes an account number, a personal identification number, unwritten information, passbook page information, line information, passbook balance information, and the like.

  When dealing with a customer, the automatic transaction apparatus 1 at each business point performs necessary processing by transmitting and receiving transaction information while communicating with the host computer 2.

§2: Description of configuration of automatic transaction apparatus ... see FIG. 3 FIG. 3 is a block diagram of the automatic transaction apparatus. The automatic transaction apparatus 1 includes a control unit 7 that performs overall control, and a card reader / printer unit 9 that reads information on a card (cash card) used by a customer for transactions and prints transaction information on paper. A bankbook printer unit 10 for printing transaction information on the bankbook, a cash counting unit (banknote) 12 for counting banknotes, a cash counting unit (coin) 13 for counting coins, and a customer Are provided with a customer operation unit 14 that performs operations at the time of transaction, a management operation unit 15 that is operated when a staff member manages the apparatus, a host communication unit 16 that communicates with the host computer 2, and the like.

  The control unit 7 includes a CPU 40 that performs various controls, a RAM 41 that is used as a work memory, various programs that are used when the CPU 40 performs processing, and a ROM 42 that stores other data. It is.

  The card reader / printer unit 9 includes a card MS read / write unit 19 for reading / writing MS data with respect to the MS of the card, and an embossing for optically reading the card emboss (transaction information due to unevenness). A reading unit 21, a printer unit 20 for printing transaction information on a sheet such as a receipt, and an automatic replenishment unit 22 for automatically replenishing a sheet used in the printer unit 20 are provided.

  The passbook printer unit 10 optically stores a passbook MS read / write unit 23 that reads / writes MS data from / to the passbook MS, and information such as a passbook print page and print line (passbook information). An image reader 24 for reading, a printing unit 27 for printing transaction information and the like on a passbook, a passbook issuing unit 25 for issuing a passbook, and final print balance information (printed final balance data) during printing of the passbook optically A passbook print character reading unit 26 is provided.

  The passbook print character reading unit 26 is newly provided (not provided in the conventional device), optically reads the final print balance data from the print surface of the passbook, performs character recognition processing from the image data, and performs the character recognition process. It has a function of recognizing data. Therefore, the passbook print character reading unit 26 is provided with an optical reading element such as an image sensor and a character recognition processing unit (configured by a program) for performing character recognition processing.

  The character recognition processing unit can also be realized by providing it in the control unit 7. In this case, the final print balance data may be optically read by an image sensor or the like of the passbook print character reading unit 26, the image data may be sent to the control unit 7, and character recognition may be performed in the control unit 7.

  The customer operation unit 14 is operated by a customer during a transaction, and includes a display unit (display screen) for displaying information. In this case, the display unit is configured by a touch panel, and information can be input when a customer touches the displayed information portion with a finger.

  The display unit is provided with an MS restoration key 29 for the customer to restore the MS of the passbook or to select reissuance of the passbook with the MS data destroyed (can be displayed). The selection operation can be performed by operating the displayed MS restoration key. The MS restoration key 29 is a newly provided key (not present in the conventional apparatus).

§3: Description of passbook printer unit (see FIG. 4) FIG. 4 is a block diagram of the passbook printer unit. The mechanism part of the passbook printer unit will be described below with reference to FIG. The passbook printer unit 10 is provided with an insertion port 30 for inserting a passbook, through which the passbook can be inserted.

  In addition, a set sensor (not shown) is provided in the periphery of the insertion slot 30 so that it can be detected that the bankbook inserted from the insertion slot 30 is set at a predetermined position. A passbook transport path 31 is provided following the insertion port 30, and a plurality of transport rollers (not shown) are provided along the transport path 31, and the transport rollers are driven to rotate. The inserted bankbook is sucked into the inside and conveyed.

  Further, along the transport path 31, a passbook MS read / write unit 23 having an MS head, an image reader unit 24 having an image sensor, a passbook print character reading unit 26, a print unit 27 having a print head, and a medium temporary saving unit 35 are provided. Further, a medium take-in unit 36 and the like are provided. Further, the printer unit 10 is provided with a passbook turning mechanism unit 39 for passing a passbook sheet, a passbook issuing unit 25 having a plurality of passbook issuing cassettes 37, and the like. Further, a printer mechanism control unit 38 is provided to control each mechanism unit (mechanism unit).

  The image reader unit 24 is for optically detecting information such as a passbook page and a print line, and the passbook print character reading unit 26 is for reading a print character from the print surface of the passbook. A function of reading the final print balance data is provided.

  The printing unit 27 prints transaction information on the passbook, and the passbook MS read / write unit 23 reads transaction information (account number, etc.) from the MS of the passbook or writes transaction information on the MS. The medium temporary saving unit 35 is a mechanism unit for temporarily saving the medium, and the medium loading unit 36 is a mechanism for loading a customer's forgotten passbook.

  The control passbook turnover mechanism unit 39 is used to pass a passbook, and the passbook issue unit 25 issues a new passbook. In this case, a passbook is issued from each passbook issuing cassette 37. A plurality of bankbook issuing cassettes 37 are provided for each type of bankbook.

  The outline of the operation of the bankbook printer unit 10 is as follows. The passbook inserted by the customer through the insertion slot 30 is conveyed by the roller on the conveyance path 31 under the control of the printer mechanism control unit 38, conveyed to the reading position of the image reader unit 24, and the passbook information (page, The number of pages is confirmed by optically reading (line information), the passbook is further conveyed to the printing position, stopped at the printing position, and the printing unit 27 prints the printing data.

  If there is still remaining print data (unprinted data) even after printing up to the last line of the passbook print page, the conveyance mechanism 31 is switched under the control of the printer mechanism control unit 38 to the passbook turning mechanism unit 39. The page is turned to the next page of the passbook by the passbook turning mechanism unit 39.

  Thereafter, under the control of the printer mechanism control unit 38, the passbook is discharged from the passbook turning mechanism unit 39, conveyed to the reading position of the image reader unit 24, and the passbook information (page and line information) is optically transmitted by the image sensor. The number of pages is confirmed by reading, and the passbook is further conveyed to the printing position, and the remaining print data is printed on the passbook by the printing unit 27. Then, the bankbook is conveyed to the position of the bankbook MS read / write unit 23, and the MS data of the bankbook MS is updated by the MS head. Thereafter, the bankbook is conveyed to the insertion port 30 and discharged, and the bankbook is returned to the customer.

  If the last line of the last page of the passbook is printed, no new transaction can be made with the passbook, so a new passbook is issued. In this case, the bankbook is issued by the bankbook issuing cassette 37 of the bankbook issuing unit 25 by the operation of the customer, and then the bankbook is transported to the insertion slot 30 and discharged to give the bankbook to the customer.

  When the passbook MS read / write unit 23 reads the passbook MS during the process as described above, if the passbook MS data is destroyed and a read error occurs, the printer mechanism control unit 38 Under the control, the passbook print character reading unit 26 reads the final print balance data from the passbook printing surface and sends the data to the control unit 7.

§4: Description of processing at the time of issuing a passbook ... see FIG. 5 FIG. 5 is a processing flowchart of the automatic transaction apparatus. Hereinafter, the process at the time of MS restoration / passbook reissue will be described based on the process flowchart of FIG. In addition, S1-S12 shows each process step.

  In order to perform a transaction using a passbook in the automatic transaction apparatus, it is necessary to insert the passbook into the insertion port 30 of the passbook printer unit 10 so that the MS of the passbook can be read normally. It is returned to the customer and cannot be handled.

  Therefore, in the embodiment of the present invention, when an MS read error occurs, the customer confirms whether or not MS restoration or passbook reissue is necessary, and if MS restoration or passbook reissue is desired, the card (cash card) of the same account Is inserted, and MS data is restored or the booked passbook is reissued. As a result, the customer can immediately obtain a passbook in which MS data is restored on the spot or a new passbook (booked).

  This processing is processing performed in the automatic transaction apparatus having the passbook issuing function as described above, and processing is performed based on the customer's operation. First, the customer performs an operation necessary for the transaction on the screen of the customer operation unit 14. At this time, when a passbook transaction key (book entry / payment etc.) is pressed on the type selection screen (S1), the customer waits for insertion of a passbook. At this time, when a passbook is inserted through the insertion slot 30, the passbook printer unit 10 reads the MS by the passbook MS read / write unit 23, and then performs a passbook row set process (S2).

  Here, when the MS lead / row set of the passbook is normally completed (S3), normal transaction processing is performed. However, if an MS read error occurs, it is determined that the MS data in the passbook has been destroyed, and the MS restore / passbook reissue selection screen is displayed to allow the customer to select (S4). In this case, based on an instruction from the control unit 7, the customer operation unit 14 displays the MS restoration key 29 on the customer operation screen and performs the selection by operating this key.

  If the customer selects normal processing end without pressing the MS restoration key 29, the customer returns the bankbook with the MS data destroyed, and then waits for the customer. Such processing is performed, for example, when the customer does not bring a card or when he / she wishes to go to the counter for some reason. That is, the possession of the bankbook with the MS data destroyed and the card of the same account is confirmed, and if the MS restoration / passbook reissuance is not desired, it is set as a window declaration as before and the bankbook is returned to the customer.

  Further, when the customer selects (presses) the MS restoration key 29, the MS data is restored or the passbook is reissued. In this case, in the passbook printer unit 10, in response to an instruction from the control unit 7, the image reader unit 24 reads passbook information (passbook information, page information, line information, etc.) and sends this information to the control unit 7. Thereafter, the passbook print character reading unit 26 reads transaction print information (passbook print final balance data) of the passbook and sends this information to the control unit 7 (S5). When the control unit 7 receives the information, the CPU 40 stores the information in the RAM 41.

  Subsequently, when the customer selects the MS restoration key 29 and MS restoration / passbook reissuance is desired, the customer waits for the card insertion of the same account number, and inputs the personal identification number for identity verification after the card insertion. In this case, when the customer inserts the card, the card reader / printer unit 9 reads the MS data of the card by the card MS read / write unit 19 and sends the data (store number, account number, etc.) to the control unit 7. . When the control unit 7 receives the data, the CPU 40 stores the data in the RAM 41.

  Subsequently, when the customer inputs a password on the screen of the customer operation unit 14, the customer operation unit 14 sends the input data (password) to the control unit 7. When the control unit 7 receives the data, the CPU 40 stores the data in the RAM 41. In this way, the control unit 7 acquires the card information and the password, and stores them in the RAM 41 (S6).

  Next, the CPU 40 of the control unit 7 sends the data (card information, password, passbook information, transaction print information) in the RAM 41 to the host computer 2 at the center, and makes an MS restoration / passbook reissue request (S7). The center that has received the request determines the validity of the request by comparing with the data in the center ledger 4 based on the data received by the host computer 2.

  That is, the host computer 2 compares the account number read from the card, the password entered by the customer, the book entry information read from the passbook, page information, line information, and passbook balance information with the information in the center ledger 4. To determine the validity of the request.

  As a result, when it is determined that the request is valid, an MS restoration / passbook reissue instruction (permission message) is sent from the host computer 2 to the automatic transaction apparatus. In this case, on the host computer 2 side, based on the account number, instructions such as a passbook MS data restoration instruction, a passbook reissue instruction, an unbooked print instruction, etc. are given by the permission message.

  Upon receiving the instruction, the control unit 7 of the automatic transaction apparatus 1 instructs the passbook printer unit 10 to restore the passbook MS data. In this case, the passbook MS read / write unit 23 writes the MS data received from the host computer 2 to the passbook MS and restores the MS data (S8).

  As a result, when the MS data writing process is normally completed (S9), the card is returned to the customer (S11). Thereafter, the printing unit 27 prints information (information for confirming the validity of the account number received from the host computer 2) on the bankbook, and returns the bankbook to the customer (S12). Thereafter, the customer waits.

  If the process in S9 ends abnormally, it is determined that the destruction of the MS data in the passbook cannot be restored, and the passbook is reissued (S10). In this case, the passbook issuing unit 25 issues a new passbook from the designated passbook issuing cassette 37 in accordance with an instruction from the control unit 7. At this time, the information of the original passbook is written in the reissued passbook so that the transaction can be continued (booked passbook).

  Thereafter, the card is returned to the customer (S11), and information (information for confirming the validity of the account number received from the host computer 2) is printed on the passbook by the printing unit 27 (for example, printed outside the margin of the printing surface). And return the bankbook to the customer (S12). Thereafter, the customer waits. By using the passbook returned in this way, a subsequent passbook transaction becomes possible.

  As described above, the customer can insert the card with the same account number as the passbook for which the MS has been destroyed and enter the password to confirm the validity of the passbook and to verify the identity of the passbook. Is managed on the host computer side, and the validity is obtained by checking the page / line of the issuance request. In addition, it is possible to increase the validity by adding a function for reading the balance column of the passbook printing details to ensure consistency with the center ledger of the host computer.

§5: Explanation of processing when an MS read error occurs ... see FIG. 6 FIG. 6 is a sequence diagram of MS restoration / passbook reissue processing. Hereinafter, based on FIG. 6, the restoration process for the MS data destruction of the passbook and the passbook reissue process will be described. First, the customer performs an operation necessary for the transaction on the screen of the customer operation unit 14. At this time, when the customer presses a passbook transaction key (bookkeeping / payment etc.) on the type selection screen, the customer waits for insertion of the passbook. At this time, when a passbook is inserted from the insertion slot 30, in the passbook printer unit 10, the passbook MS read / write unit 23 performs MS read according to an instruction from the control unit 7, and sets a passbook row.

  When the MS read is completed, a completion notice is sent from the passbook printer unit 10 to the control unit 7. Here, when the MS lead / row set of the passbook is normally completed, normal transaction processing is performed. When an MS read error occurs, the read error is notified by the completion notification.

  When the read error occurs, the control unit 7 instructs the customer operation unit 14 to display the MS restoration key 29 and waits for a customer selection. When the customer selects the MS restoration key 29, the customer operation unit 14 sends to the control unit 7 input information indicating that the passbook MS data is restored or the passbook is reissued.

  At this time, the control unit 7 instructs the passbook printer unit 10 to read information (page, line, print data, etc.) from the passbook. In response to this instruction, the passbook printer unit 10 reads passbook information (passbook entry information, page information, line information, etc.) by the image reader unit 24 and sends this information to the control unit 7. Thereafter, the passbook print character reading unit 26 reads transaction print information (passbook print final balance data) of the passbook, and sends this information to the control unit 7.

  Subsequently, the card number waiting for card insertion is entered, and after entering the card, a password is entered for identification. In this case, when the customer inserts the card, the control unit 7 instructs the card reader / printer unit 9 to read the MS data of the inserted card. In response to this instruction, the card reader / printer unit 9 reads the MS data of the card by the card MS read / write unit 19 and sends the MS data (store number, account number, etc.) to the control unit 7.

  Subsequently, the control unit 7 instructs the customer operation unit 14 to input a personal identification number. In response to this instruction, the customer operation unit 14 displays information for prompting the input of the password on the screen. With this display, when the customer inputs the password on the screen of the customer operation unit 14, the customer operation unit 14 sends the input data (password) to the control unit 7. When the control unit 7 receives the information (card information, personal identification number, passbook information, transaction print information), the CPU 40 stores the information in the RAM 41.

  Next, the CPU 40 of the control unit 7 sends the data (card information, personal identification number, passbook information, transaction print information) in the RAM 41 to the host computer 2 at the center, and makes an MS restoration / passbook reissue request. The center that has received the request determines the validity of the request by comparing with the data in the center ledger 4 based on the data received by the host computer 2.

  That is, the host computer 2 compares the account number read from the card, the password entered by the customer, the book entry information read from the passbook, page information, line information, and passbook balance information with the information in the center ledger 4. To determine the validity of the request.

  As a result, when it is determined that the request is valid, an MS restoration / passbook reissue instruction (permission message) is sent from the host computer 2 to the control unit 7 of the automatic transaction apparatus. In this case, on the host computer 2 side, based on the account number, instructions such as a passbook MS data restoration instruction, a passbook reissue instruction, an unbooked print instruction, etc. are given by the permission message.

  Upon receiving the instruction, the control unit 7 of the automatic transaction apparatus instructs the passbook printer unit 10 to restore the passbook MS data. In this case, the passbook MS read / write unit 23 writes the MS data received from the host computer 2 to the passbook MS to restore the MS data.

  As a result, when the passbook printer unit 10 sends a notification of completion of the MS data writing process to the control unit 7, the control unit 7 instructs the card reader / printer unit 9 to return the card to the customer. . Thereafter, when the card reader / printer unit 9 sends a completion notification indicating that the normal completion has been completed to the control unit 7, the control unit 7 instructs the passbook printer unit 10 to return the passbook.

  In response to this instruction, the passbook printer unit 10 returns the passbook to the customer. When the return process is normally completed, a management notification indicating that the return process is normally completed is sent to the control unit 7.

  In the process, the printing unit 27 of the bankbook printer unit 10 prints information (information for confirming the validity of the account number received from the host computer 2) on the bankbook, and returns the bankbook to the customer. Thereafter, the customer waits.

  As described above, the validity of the passbook and identity verification are confirmed by inserting the card with the same account number as the passbook in which the MS data is destroyed, and printing the middle page of the passbook. The validity is obtained by managing the row on the host computer side and checking the page / row of the issuance request. In addition, it is possible to increase the validity by adding a function for reading the balance column of the passbook printing details to ensure consistency with the center ledger of the host computer.

§6: Other explanation when MS read error occurs
(1): If a read error occurs in the MS data of the passbook during the transaction using the passbook, the control unit 7 of the automatic transaction apparatus 1 reads the passbook information read from the passbook (print page, print during printing) Line), transaction print information, card information (account number, store number, etc.) read from a card inserted by the customer (transaction cash card), and a password entered by the customer.

  Next, the control unit 7 sends the information acquired by the information acquisition means to the host computer 2 in the center, and requests to restore the passbook MS data or to reissue the passbook. In response to the request, permission information (permission message + MS data) as a result of determining the validity of the request is notified from the host computer 2 in the center, the control unit 7 determines the passbook based on the permission information. Restore MS data or reissue passbook.

  In this way, the customer simply inserts a passbook and a card with the same account number (cash card) into a predetermined insertion slot of the automatic transaction apparatus 1, and simply inputs a recitation number from the customer operation screen. Thus, the passbook with the MS data restored or the reissued passbook can be obtained immediately on the spot. Therefore, it is possible to carry out transactions immediately on the spot.

  That is, if the MS data in the passbook is destroyed, you can immediately restore the destroyed MS data or reissue the booked passbook without visiting a financial institution such as a bank. Service can be improved. In addition, labor savings in window operations at financial institutions can be achieved.

  (2): By providing a new passbook print character reading unit 26 in the passbook printer unit 10, based on an instruction from the control unit 7, the passbook print character reading unit 26 outputs the transaction print information from the passbook to the last. Print balance information can be read. Then, the read final print balance information is sent to the control unit 7. The control unit 7 sends the information to the center when making the MS data restoration / passbook reissue request. The center uses the final print balance information. By determining the validity of the request, an accurate validity can be determined.

  (3): Since the MS restore key is newly provided in the customer operation unit 14, when a read error of the passbook MS data occurs in the passbook printer unit 10, the customer restores the MS displayed on the customer operation unit 14. With the key 29, it is possible to select restoration of the MS data of the passbook or reissue of the passbook.

  Accordingly, the customer can easily obtain the passbook with the MS data restored or reissued on the spot by operating the MS restore key. Therefore, it is possible to carry out transactions immediately on the spot.

  (4): The information sent to the center includes account information (account number) read from the card, personal identification number input by the customer, book entry information read from the passbook, page information, line information, and final print balance information. . Accordingly, the center can accurately and quickly determine the validity of the MS data restoration / passbook reissue request based on the information.

  (5): Based on the permission information received from the center, the control unit 7 writes MS data to the MS of the passbook in which the read error has occurred and performs MS data restoration processing. The passbook is returned to the customer and the process is terminated. When the process ends abnormally, the booked passbook is reissued. In this way, if it is only necessary to restore the MS data, there is no need to reissue the passbook, and the processing is simple and requires a short time.

  (6): When restoring the passbook MS data, or when reissuing the passbook, the control unit 7 can identify and determine the customer in the passbook from which the MS data is restored (for example, read from the card) (Account number, etc.) is printed (may be printed outside the box), the validity of the passbook is obtained. In this way, the validity of the passbook can be determined more accurately.

§7: Description of recording medium and program As described above, in the control unit 7 of the automatic transaction apparatus, the program is stored in the ROM 42, and the CPU 40 reads and executes the program in the ROM 42 to perform the processing. .

In this case, as a program to be stored in the ROM 42, an automatic transaction apparatus 1 that handles a passbook having an MS that records transaction information and a card that records transaction information, and performs transactions based on customer operations,
B: If a read error occurs in a passbook MS during a transaction using a passbook, the passbook information and transaction print information read from the passbook, the card information read from the card inserted by the customer, and the password entered by the customer A first procedure for obtaining a number;
B: a second procedure for sending the information acquired in the first procedure to the center and requesting the restoration of the MS data of the passbook or the reissue of the passbook;
C: When permission information as a result of determining the validity of the request is notified from the center to the request, the MS data of the passbook is restored or the passbook is reissued based on the permission information. It is a program for performing the procedure.

  As described above, the processing performed by the control unit 7 is performed by the CPU 40 executing the program in the ROM 42. However, the present invention is not limited to this example, and can be realized as follows. For example, the host computer 2 is provided with a hard disk device, and a program and other data for realizing the processing of the control unit 7 are stored in a recording medium (hard disk) of the hard disk device.

  Then, under the control of the CPU in the host computer 2, the program stored in the recording medium of the hard disk device is read and transferred to each automatic transaction device. In the automatic transaction apparatus that has received the program, the program received from the host computer 2 is stored in the RAM 41 under the control of the CPU 40 in the control unit 7. Thereafter, the CPU 40 sequentially reads and executes the necessary programs from among the programs stored in the RAM 41 to perform the processing of the control unit 7.

  In this case, when each automatic transaction apparatus is provided with a hard disk device (magnetic disk device) or other arbitrary writable nonvolatile memory, this magnetic hard disk device or any other writable nonvolatile memory A program used by the control unit 7 may be stored in a volatile memory (for example, EEPROM), and the program may be stored in the RAM 41 and used during operation.

  The program stored in the hard disk device of the host computer 2 is recorded (stored) as follows, for example.

  (a): A program (program data created by another device) stored on a flexible disk (floppy disk) is read by a flexible disk drive provided in the host computer 2 and stored in a recording medium (hard disk) of the hard disk device. To do.

  (b): Data stored in a storage medium such as a magneto-optical disk or CD-ROM is read by a drive device (such as a CD-ROM drive 12) provided in the host computer 2, and a recording medium ( (Hard disk).

  (c): Data such as a program transmitted from another device via a communication line such as a LAN is received by the host computer 2 via the communication control unit, and the data is stored in a recording medium (hard disk) of the hard disk device. Store.

  Even when the program is stored in the hard disk device of the automatic transaction apparatus or a writable nonvolatile memory, it can be stored by the methods (a) to (c).

It is a principle explanatory view of the present invention. It is explanatory drawing of the system in embodiment of this invention. It is a block diagram of the automatic transaction apparatus in embodiment of this invention. It is a block diagram of the passbook printer unit in the embodiment of the present invention. It is a process flowchart of the automatic transaction apparatus in embodiment of this invention. It is a sequence diagram of MS restoration / passbook reissue processing in the embodiment of the present invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host computer 3 Communication line 4 Center ledger 7 Control part 9 Card reader / printer unit 10 Passbook printer unit 12 Cash counting unit (banknote)
13 Cash counting unit (coin)
DESCRIPTION OF SYMBOLS 14 Customer operation part 15 Management operation part 16 Host communication part 19 Card MS read / write part 20 Printer part 21 Emboss reading part 22 Automatic replenishment part 23 Passbook MS read / write part 24 Image reader part 25 Passbook issue part 26 Passbook printing character reading Unit 27 printing unit 29 MS restoration key 30 insertion slot 31 transport path 35 medium temporary saving unit 36 medium taking-in unit 37 passbook issuing cassette 38 printer mechanism control unit 40 CPU (central processing unit)
41 RAM
42 ROM

Claims (5)

In an automatic transaction apparatus that handles a passbook with a magnetic stripe that records transaction information inserted by a customer and a card that records transaction information, and performs transactions based on customer operations,
Information acquisition means for acquiring the card information read from the card inserted by the customer and the password entered by the customer when a read error of the magnetic stripe data of the passbook occurs during the transaction using the inserted passbook; ,
MS restoration request means for sending the card information and the password obtained by the information obtaining means to the center and requesting restoration of magnetic stripe data of the passbook;
A magnetic stripe for restoring a passbook based on the account information that the center has determined to permit the validity of the request based on the card information acquired by the information acquisition means and transmitted to the center and the password. And MS restoration means for writing information to
When a read error occurs in the magnetic stripe data of the passbook inserted during the transaction, the card information read from the card inserted by the customer by the information acquisition means and the PIN entered by the customer are acquired,
The MS restoration request means sends the card information and the password acquired by the information acquisition means to the center, and the center obtains the validity of the request based on the card information and the password acquired by the information acquisition means and transmitted to the center. The MS restoring means writes information to the magnetic stripe for restoring the passbook based on the account information that has been determined to be permitted and transmitted, and then returns the passbook to the customer. Automatic transaction equipment. In the case where a read error of the magnetic stripe data of the bankbook has occurred, an MS restoration key is provided for allowing the customer to select whether to restore the magnetic stripe, which is a subsequent process, or to reissue the bankbook. The automatic transaction apparatus according to claim 1. The MS restoration means includes
The magnetic stripe data is restored by writing the magnetic stripe data to the magnetic stripe of the passbook in which the read error has occurred based on the account information transmitted when the center determines that the validity of the request is permitted. The automatic transaction apparatus according to claim 1, further comprising a function of returning the bankbook to the customer when the process is completed normally and terminating the process, and reissuing the bankbook when the process ends abnormally. The MS restoration means includes
To restore the magnetic stripe data of the passbook, the passbook to restore the magnetic stripe data, identifies the customer, information that can determine the validity of the passbook that is printed, a function to obtain the validity of the passbook The automatic transaction apparatus according to claim 1, wherein: Handles passbooks with magnetic stripes that record customer-inserted transaction information and cards that record transaction information, and in automatic transaction devices that perform transactions based on customer operations,
Information acquisition means for acquiring the card information read from the card inserted by the customer and the password entered by the customer when a read error of the magnetic stripe data of the passbook occurs during the transaction using the inserted passbook; ,
MS restoration request means for sending the card information and the password obtained by the information obtaining means to the center and requesting restoration of magnetic stripe data of the passbook;
A magnetic stripe for restoring a passbook based on the account information that the center has determined to permit the validity of the request based on the card information acquired by the information acquisition means and transmitted to the center and the password. And MS restoration means for writing information to
When a read error occurs in the magnetic stripe data of the passbook inserted during the transaction, the card information read from the card inserted by the customer by the information acquisition means and the PIN entered by the customer are acquired,
The MS restoration request means sends the card information and the password acquired by the information acquisition means to the center, and the center obtains the validity of the request based on the card information and the password acquired by the information acquisition means and transmitted to the center. The MS restoring means writes information to the magnetic stripe for restoring the passbook based on the account information that has been determined to be permitted and transmitted, and then returns the passbook to the customer . A computer-readable recording medium on which a program is recorded .

Images