JP6324752B2 - Automatic trading system and automatic trading method - Google Patents

Description

  The present invention relates to handling of a transaction history when a customer performs a transaction without using a bankbook in an automatic teller machine installed in a bank or the like, for example.

  As an example of a transaction processing apparatus that reads a passbook inserted by a user and performs transaction processing, an ATM (Automated Teller Machine) installed in a financial institution such as a bank, that is, an automatic cash transaction apparatus will be described as an example. The automatic teller machine enables a cash deposit process or a transfer process by the user himself / herself even if the user does not carry out a procedure at a window of a financial institution such as a bank. This automatic teller machine is designed to streamline counter operations for financial institutions and to simplify procedures and shorten waiting times for users, so it is now a service service for financial institutions. It occupies a high position in the market, and it is installed outside stores such as storefronts of financial institutions and convenience stores and is widely spread.

  These automatic teller machines can handle transaction buttons such as “withdrawal”, “deposit”, “passbook entry”, “balance inquiry”, and “transfer” that can be handled by financial institutions on the touch-panel customer operation unit. it's shown. The user selects the transaction button for the transaction he / she wants to conduct, and then proceeds with the operation according to the guidance of the customer operation unit displayed according to the procedure determined in advance on the automatic teller machine side. It can be performed.

By the way, in the automatic transaction apparatus, the transaction history such as “withdrawal” and “deposit” by the user is recorded in the passbook by a transaction brought by the user or a single “passbook entry” transaction. Therefore, if the user does not bring a passbook and only uses a cash card, the transaction history cannot be recorded in the passbook, so it is stored in the host computer of the financial institution,
When the user next performs a transaction using the passbook, an unprinted transaction history is printed.

  In addition, when the transaction history of unfilled data stored in the host computer exceeds a certain amount determined by each financial institution, the transaction history of unfilled data stored in the host computer is generally aggregated and recorded in the passbook. Has been used.

  In addition, a method for storing a transaction history in an IC chip of a cash card has been proposed. (See Patent Document 1). This saves the transaction history of transactions performed by the user in the IC chip of the cash card, thereby making the passbook unnecessary by using the IC chip as an electronic passbook.

Japanese Patent Laid-Open No. 2-108156

  According to the conventional example, a transaction history of a transaction performed by a user can be recorded only when a transaction is performed using a passbook. Depending on the financial institution, there is a possibility that a user can carry out a transaction only with a cash card because there is a restriction on the time when the transaction using the passbook is possible. If such a situation continues, the transaction history will be accumulated on the financial institution's host computer, and if the unfilled transaction history exceeds a certain amount, the transaction history will be aggregated and the detailed transaction history will be passed to the passbook. There arises a problem that it becomes impossible to record.

  Therefore, as in Patent Document 1, when the transaction history is stored in the IC chip of the cash card and the upper limit of the capacity of the IC chip is reached, the transaction history in the IC chip is transferred to a host computer or the like, A method of printing transaction history on a host computer has been proposed, but an electronic passbook that saves transaction history on the IC chip saves all transaction history on the IC chip, so users who normally use the passbook are required There is a problem that the transaction history cannot be saved.

  Further, in order to print the transaction history, the transaction history is transferred to the host computer and temporarily stored, which causes a problem of placing a burden on a system such as a financial institution network or a host computer.

  An object of the present invention is to provide an automatic transaction system and an automatic transaction method capable of reducing a burden on the system and allowing a user to reliably print a transaction history on a passbook as necessary.

  In order to solve the above-described problems and achieve the object, an automatic transaction system according to the present invention is an automatic transaction system that executes a transaction with a user, and stores transaction information in a storage unit of an inserted medium. A recording unit for recording transaction information, an operation unit for accepting selection of whether to record transaction information in the storage unit of the medium, and storing the transaction information in the recording unit according to the selection received by the operation unit And an automatic transaction system characterized by comprising a control unit to be recorded in the unit.

  Moreover, this invention is grasped | ascertained also as an automatic transaction method performed with the said automatic transaction system.

  According to the present invention, the burden on the system can be reduced, and the user can reliably print the transaction history on the passbook as necessary.

It is a schematic diagram of an automatic teller machine and a host computer. It is an internal block diagram of an automatic teller machine and a host computer. It is an internal block diagram of a card mechanism part. It is an example of an unprinted transaction history file structure inside a host computer. It is an example of the flowchart explaining the transaction using ATM. It is explanatory drawing which shows an example of a transaction menu screen. It is explanatory drawing which shows an example of a transaction details preservation | save selection screen.

  Hereinafter, an embodiment of the present invention will be described with reference to FIGS. The present embodiment relates to an automatic transaction system such as ATM (Automated Tellers Machine) employed in a financial institution system such as a bank system.

  First, FIG. 1 is a connection diagram between an automatic transaction apparatus 1 according to the present embodiment and a host computer connected via a communication network, and FIG. 2 is an internal configuration diagram of the automatic transaction apparatus and the host computer. FIG. 3 is an internal structure diagram of a card / detail slip mechanism unit. A schematic structure will be described with reference to the connection diagram and the internal configuration diagram.

  An automatic transaction apparatus (hereinafter referred to as ATM) 1 is an automatic transaction apparatus that is installed in a financial institution or the like and performs transactions such as cash deposits and withdrawals by user operations. It is connected to the. The ATM 1 is a device that automatically executes various transactions requested by the user, and includes a customer operation unit 3, a card / detail slip mechanism unit 4, a passbook mechanism unit 5, a banknote deposit / withdrawal mechanism unit 6, and a coin deposit / withdrawal mechanism unit. 7, a line connection unit 8, a voice guidance guidance unit 9, a vein authentication mechanism unit 10, and a control unit 2 that controls these units. The control unit 2 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions.

  Each part will be described below. The customer operation unit 3 has a screen display and key input detection function. When an ATM user mainly performs a transaction, the customer operation unit 3 displays a guidance screen for a transaction operation or is pressed by a user operation or a finger such as a personal identification number. This is the part that accepts key input. The customer operation unit 3 is preferably an input / display unit (also referred to as an input display unit) configured by a touch panel or the like, displays various information on the display screen, and presses various input items included in the display screen. Of course also detect.

  The card / detail slip mechanism unit 4 includes a card insertion slot 302 for receiving the IC card 301, a transport path 303 for transporting the received IC card 301, and a magnetic stripe processing unit 304 for reading / writing the magnetic stripe of the IC card 301. The IC card reader unit 305, the IC card writer unit 306, and the like for performing read or write operations on the IC chip have an image reading function for the embossed portion of the IC card 301. The card / detail slip mechanism section 4 has a detail slip mechanism section that prints the transaction contents on the detail slip by the printing section and discharges it from the apparatus.

  The passbook mechanism unit 5 has a user's passbook insertion / ejection operation, magnetic stripe read / write operation, a printing function by the passbook printing unit, and the like.

  The banknote deposit / withdrawal mechanism 6 and the coin deposit / withdrawal mechanism 7 have a cash deposit / withdrawal function, a cash discrimination / conveyance function, and a storage function.

  The vein authentication mechanism unit 10 has a user vein reading function and an authentication function of vein data registered in the IC card 301 and read vein data. And as above-mentioned, the process of each of these site | parts is controlled by the control part 2. FIG.

  On the other hand, a host computer (hereinafter referred to as a host) 11 connected to the ATM 1 is connected to the line connection unit 8 of the ATM 1 via a line connection unit 12 that transmits or receives data to / from the ATM 1 and is provided inside the file unit 14. It has a file control unit 13 for controlling an unprinted transaction history file 16 and an account information file 17 for storing a user's unprinted transaction history and the like, and a host computer control unit 15 for controlling them. The unprinted transaction history file 16 stores an unprinted transaction history of the user. As shown in FIG. 4, an account number 401 for identifying the user, a transaction date 402, and a transaction type indicating the type of transaction. 403, summary 404 printed in the bankbook summary column, withdrawal amount 405 indicating the transaction amount, deposit amount 406, balance 407 indicating the balance after the transaction, dealer 408 indicating the place where the user performed the transaction, received from ATM1 The transaction history storage information included in the data to be stored includes an unfilled details summation flag 409 for determining whether or not the transaction history needs to be stored. The account number 401 is stored in association with the account information in the account information file 17. Yes. In the example shown in FIG. 4, a user who has an account with the account number “12345678” made a withdrawal transaction using an IC card 301 at a dealer “123” on April 1, 2013, and the withdrawal at that time was made. The gold amount is 10,000 yen, and the account balance is 100,000 yen. In addition, regarding the transaction, it is indicated that he / she did not agree with the sum of the unprinted transaction histories (in FIG. 7 to be described later, the storage of the unfilled details was selected).

  FIG. 5 is an example of a flowchart for explaining a transaction using ATM1. In this description, a transaction using only a cash card (a transaction not using a passbook) as an example of the IC card 301 will be described. In the following, a withdrawal transaction is described as an example, but the same applies to other transactions.

  The customer operation unit 3 of the ATM 1 can use, for example, “withdrawal”, “deposit”, “balance inquiry”, “passbook entry”, “transfer”, “transfer”, etc. as shown in FIG. Displays a transaction selection screen 60 on which a transaction button for starting a transaction is displayed, and accepts selection of a transaction to be performed from these transaction buttons by pressing the transaction button (S501). In the example shown in FIG. 6, each button of the withdrawal button 600, the deposit button 601, the transfer button 602, and the balance inquiry button 603 is illustrated, but other transactions such as passbook entry and transfer described above are performed. The button to execute is also displayed.

  When the customer operation unit 3 accepts the selection of a transaction using a cash card such as “withdrawal”, the control unit 2 of the ATM 1 displays a screen prompting the customer operation unit 3 to insert the cash card, and the user Waits for insertion of a cash card (S502). When it is detected that the cash card is inserted into the card / detail slip mechanism unit 4, the control unit 2 reads the card information stored in the IC chip of the cash card. If the information on the cash card is normal, the control unit 2 displays a password input guide on the customer operation unit 3 (S503).

  When the user uses the customer operation unit 3 and a password is input, the control unit 2 displays a transaction amount input screen on the customer operation unit 3 (S504). When the user inputs the transaction amount from the customer operation unit 3, the control unit 2 displays a detail issue selection screen asking whether or not it is necessary to issue a transaction statement on the customer operation unit 3, and allows the user to select it. (S505). When the user selects one of the necessity of issuing the statement slip in the customer operation unit 3, the control unit 2 further confirms whether or not the transaction history storage necessity is stored in the user in the customer operation unit 3. The transaction details saving selection screen 70 is displayed (S506).

  FIG. 7 is an explanatory diagram showing an example of a transaction details storage selection screen. On this transaction details storage selection screen 70, buttons 700 to 701 for selecting whether or not to store transaction details are displayed. As shown in FIG. 7, a button 700 for instructing the user to save the non-passbook details and a button 701 for instructing the user not to save the non-passbook details are displayed on the screen. The user can select either one. When the button 700 is pressed, the transaction being performed by the user is recorded on the IC chip of the cash card as an unfilled statement, while when the button 701 is pressed, the recording is not performed and the transaction is not performed. When the number of entries reaches a predetermined number, the total amount of the unfilled details is entered in the passbook.

  The control unit 2 shows the transaction amount input in S504, the account information read in S503, the necessity of the transaction details selected in Step 506 (whether or not to save unfilled details), etc. in FIG. Information including each item of the unprinted transaction history file is sent to the host computer 11 by the line connection unit 8 and waits for a response from the host computer 11 (S507, S508).

  The host computer 11 receives the information sent from the ATM 1 in S507 and S508 by the line connection unit 12. The file control unit 13 of the host computer 11 records the information selected in step 506 in the unprinted transaction history file 16 shown in FIG. To do. Specifically, when the button 700 is pressed, “1” indicating dissatisfaction is recorded, and when the button 701 is pressed, “0” indicating consent is added. 409. If the value of the unfilled details summation flag 409 is not agreeing with the summation, the host computer 11 treats the details as not being subject to summation of unfilled details.

  ATM1 receives the transaction details from the host computer 11 in S507, and when saving transaction details is selected on the transaction details storage selection screen 70 in S506, the normal transaction history (host computer) for ATM1 performed by the user. The transaction details are stored in the IC chip of the cash card using the IC card writer unit 306 (S509). On the other hand, if saving of transaction details is not selected on the transaction details saving selection screen 70, the processing proceeds to S510 without saving the transaction details in the IC chip of the cash card.

  When the transaction permission is notified from the host computer 11 in S507, the ATM 1 pays out cash from the banknote deposit / withdrawal mechanism 6 and the coin deposit / withdrawal mechanism 7 (S510). When the payout of cash is completed, the control unit 2 displays a screen for guiding the user to remove the user's cash card on the customer operation unit 3, releases the user's card from the card / detail slip mechanism unit 4, and removes the card. Wait in a waiting state (S511).

  When it is detected that the cash card has been removed from the card / detail slip mechanism unit 4 by the user, the control unit 2 displays a screen for guiding the customer operation unit 3 to withdraw cash, and deposits and withdraws banknotes. Cash is discharged from the mechanism unit 6 and the coin deposit / withdrawal mechanism unit 7 and waits in a state of waiting for extraction (S512). When cash is withdrawn by the user, the control unit 2 displays a transaction end screen on the customer operation unit 3 and completes the transaction (S513). When this processing is completed, the transaction details are recorded on the IC chip of the cash card, the user operates the customer operation unit 3 of the ATM 1 at any subsequent timing, and the control unit 2 is displayed on the transaction selection screen. When the bankbook entry button is pressed, the insertion of the cash card by the card / detail slip mechanism unit 4 and the insertion of the bankbook by the passbook mechanism unit 5 are accepted, and the book entry process to the passbook can be executed. At this time, the control unit 2 sends each item of the unprinted transaction history file shown in FIG. 4 (for example, item number, transaction date, withdrawal amount, balance, dealer, etc.) to the customer operation unit 3. You may receive the specification of the transaction displayed and printed from the user. In this case, the contents can be printed on the passbook for each transaction specified by the user. Of course, when the bookkeeping process is executed, all the unbooked details recorded in the IC chip of the cash card may be automatically printed on the passbook.

  As described above, in this embodiment, since the above-described processing is executed, the user can temporarily save the transaction history in the IC chip of the cash card at any time, and the transaction history can be aggregated by the host computer. By distinguishing them independently, the transaction history that the user wants to save can be surely saved, and the user can print it at a desired timing (for example, at a later date convenient for the user).

  In addition, since the frequency of transferring the transaction history to the host computer and storing the transaction history is reduced, it is possible to reduce the burden on the system of the financial institution network and the host computer. In this embodiment, even a user who uses a paper passbook temporarily stores transaction history in the IC card of the cash card, and does not consolidate the transaction history accumulated in the host computer (unfilled details) Since the summation flag) is held, the transaction history can be printed on the passbook without transferring the transaction history to the host computer.

  In addition, since the user selects whether or not to save the transaction history in the transaction of the user using only the cash card, only the transaction history selected to store the transaction information can be stored in the IC chip. . Further, since the transaction history of the IC card of the cash card is read and printed on the passbook, the transaction history stored on the IC chip of the cash card can be read and printed on the passbook.

  In addition, since it is necessary to select whether or not to save the transaction history on the screen and the result is notified to the upper host computer, the transaction history is required at the upper host computer in the transaction of the user using only the cash card. It is possible to determine whether or not to consolidate transaction details selected to be saved when the transaction histories are aggregated. Here, the transaction history is saved, but it is also possible to save the transaction slip print data and the like.

  In addition, as a method for determining whether or not the transaction history can be aggregated in the host computer, a method of preparing an individual database associated with an unprinted transaction history in the host host computer is also possible. Furthermore, the transaction history that can be stored is not limited to one, and multiple transaction histories can be stored.

  The transaction processing flow and the operation guidance screen described in the above embodiment are not limited to these, and can be variously changed within the scope of the gist of the present invention.

DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus 2 ... Control part 3 ... Customer operation part (input and display part)
4 ... Card mechanism part / details slip mechanism part 5 ... Passbook mechanism part 6 ... Banknote deposit / withdrawal mechanism part 7 ... Coin deposit / withdrawal mechanism part 8 ... Line connection part (automatic cash transaction apparatus side)
9 ... voice guidance guidance unit 10 ... vein authentication mechanism unit 11 ... host computer 12 ... line connection unit (host computer side)
DESCRIPTION OF SYMBOLS 13 ... File control part 14 ... File part 15 ... Host computer control part 16 ... Unprinted transaction history file 17 ... Account information file 60 ... Transaction menu screen 70 ... Transaction details saving selection screen 301 ... Card 302 ... Card insertion slot 303 ... Conveyance Path 304 ... Magnetic stripe processing unit 305 ... IC card reader unit 306 ... IC card writer unit 401 ... Account number 402 ... Transaction date 403 ... Transaction type 404 ... Summary 405 ... Deposit amount 406 ... Deposit amount 407 ... Balance 408 ... Dealer 409 ... unfilled details summation flag 600 to 603 ... transaction item button 700 ... save button 701 ... do not save button.

Claims (4)

An automatic transaction system for executing transactions with users,
A recording unit for recording transaction information in the storage unit of the inserted medium;
An operation unit for accepting selection of whether to record transaction information in the storage unit of the medium;
A passbook printing section for printing transaction information on the passbook;
A reading unit for reading transaction information stored in the storage unit of the inserted medium;
A control unit that causes the recording unit to record transaction information in a storage unit of the medium according to the selection received by the operation unit ,
The operation unit accepts designation of processing for printing transaction information stored in the storage unit of the medium on a passbook,
The control unit prints transaction information stored in the storage unit of the medium on a passbook when the operation unit receives the designation.
An automatic transaction system characterized by that. The operation unit accepts selection of transaction information to be printed from among a plurality of transaction information stored in the storage unit of the medium together with the designation,
The control unit prints the selected transaction information on a passbook,
The automatic transaction system according to claim 1 . The control unit stores the transaction information as an unprinted transaction specification in the storage unit of the medium separately from the transaction history transmitted to the host computer in the executed transaction.
The automatic transaction system according to claim 1 or 2 , wherein An automatic transaction method performed in an automatic transaction system that executes transactions with users,
Recording transaction information in the storage of the inserted medium;
An operation step of accepting selection of whether to record transaction information in the storage unit of the medium;
Recording transaction information in a storage unit of the medium according to the accepted selection;
When the transaction information is recorded in the storage unit of the medium, reading the transaction information stored in the storage unit of the inserted medium;
Receiving a designation of processing for printing the transaction information stored in the storage unit of the medium on the passbook;
When the designation is accepted, printing transaction information stored in the storage unit of the medium on a passbook;
An automatic transaction method comprising:

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