JPH01103773A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To attain transferring transaction without limiting the medium of outgoing and incoming accounts by controlling the evacuation of the account medium in correspondence to the selection of the transferring transaction. CONSTITUTION:When the transferring transaction is selected through a key input control part 2, a medium inserting in the outgoing account side is guided to a display by an operation guidance control part 1 and an operation guidance processing part 13. Then, the information of an inserting medium to accompany this guidance are read by a reading control part 4 and the outgoing account medium is evacuated by an evacuation control part 5 and a medium evacuation processing part 9. Next, when a user itself is confirmed by an input data processing part 10, a transferring amount input and an incoming account side medium inserting are stimulated. In correspondence to this command execution, the reading of the incoming account side medium and the transmission of transferring transacting information with a high order station through a line control mechanism 29 by a high order station transmission processing part 11 are executed and output information from the high order station are outputted through an output data processing part 12 and an output data control part 6 to the incoming account side medium. Then, the medium is returned to the user and the outgoing account side medium is also returned in the same way. Then, the transferring transaction is executed with one time operation without limiting the medium of the outgoing side and incoming side accounts.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automatic transaction device, and particularly to an automatic transaction device capable of performing transfer transactions using the same type of media.

[Prior art]

Conventional automatic transaction devices have a passbook saving function in their passbook printing mechanism and continue transactions using the same medium.

For example, in the device described in Japanese Patent Application Laid-Open No. 122489/1989, a means is provided to enable a withdrawal transaction by a signal indicating that the deposit transaction will be continued after the completion of - times of deposit transactions. This makes it possible for transactions to continue.

Furthermore, the device described in Japanese Patent Application Laid-open No. 60-115193 is equipped with an evacuation mechanism for issuing a new passbook, and when the printing of the passbook is completed, the new passbook is ejected from the passbook entry port, and synchronously The bankbook, which had been evacuated and whose printing has expired, is being ejected from the return slot.

Furthermore, in transfer transactions using such automatic transaction devices, it is known that transfers are made from a card drawer account to a passbook account.

[Problem that the invention seeks to solve]

In the above conventional technology, no consideration is given to the transaction medium that the user can use in transfer transactions, and the withdrawal side account and the deposit side account are separated, such as from Cardro account to Cardro account, passbook account to passbook account, etc. There was a problem that transfer transactions could not be performed if the two were the same type of media.

For example, when transferring money from Cardro to Cardro, the user had to perform two transactions: a card withdrawal transaction and a card deposit transaction.

An object of the present invention is to improve such problems and provide an automatic transaction device that can perform transfer transactions without limiting the medium of the withdrawal side account and the deposit side account.

[Means to solve the problem]

In order to achieve the above object, the automatic transaction device of the present invention is equipped with a means for evacuation of a card and a passbook (passbook evacuation path, conveyor belt), and allows a user to use the card or passbook as a transaction medium to communicate with a higher-level station. An automatic transaction device that automatically performs transfer transactions etc. through communication is equipped with a means (evacuation control unit, media evacuation processing unit) for controlling the evacuation of inserted transaction media, and when a user selects a transfer transaction, the depositing account is If the medium and the withdrawal account medium are of the same type, after reading the information of the inserted withdrawal account medium, the control means evacuates the withdrawal account medium to the evacuation means, and then reads the information of the inserted deposit account medium. A feature is that by reading, transfer transactions can be performed using the same type of transaction medium.

[Effect]

In the present invention, by evacuating the media of the card control mechanism and the passbook control mechanism, one medium or one medium is further processed.

By using this evacuation mechanism, even if a transfer transaction uses 20 media, it is possible to process the same type of media.

〔Example〕

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a functional block diagram of an automatic transaction device according to an embodiment of the present invention, FIG. 2 is a block diagram of an automatic transaction device according to an embodiment of the present invention, and FIG. 3 is a passbook according to an embodiment of the present invention. FIG. 4 is an explanatory diagram of the conveyance route in one embodiment of the present invention. It is an explanatory view of a card conveyance route.

As shown in FIG. 2, the automatic transaction device 23 of this embodiment includes an input operation mechanism 24, a passbook control mechanism 25, a card control mechanism 26,
Statement control mechanism 27, transaction control mechanism 28. and a line control mechanism 29 to connect the central processing unit 21 through one line 22.
connected to.

Further, the transaction control mechanism 28 discriminates between a deposit transaction message and a withdrawal transaction message and controls the transaction.

Further, regarding the functional configuration of this embodiment, as shown in FIG.
, reading control section 4, evacuation control section 5, output control section 6, transaction discrimination processing section 7, medium insertion detection processing section 8, medium evacuation processing section 9, input data processing section 10, upper station communication processing section 11, output data It includes a processing section 12 and an operation guidance processing section 13, and by controlling these, it is possible to handle two media of the same type at the time of a transfer transaction.

In addition, as shown in FIG.
33, a print head 34, and a bankbook evacuation path 35.

Further, the card conveyance path includes a magnetic head 47, a conveyance belt A48, and a conveyance belt B49, as shown in FIG.

5 to 8 are operational flowcharts of transfer transactions in one embodiment of the present invention.

In the automatic transaction device of this embodiment, when performing a transfer transaction, the transfer transaction is selected by the user from the keyboard of the input control mechanism 24 via the key control section 2, for example, as shown in FIG. (501), operation guidance control section 1,
Then, the operation guidance processing unit 13 guides the user to insert the medium on the withdrawal account side on the display.

Next, when the insertion of the medium is detected by the insertion detection section 3 and the medium insertion detection processing section 8 (502), the information of the medium is read by the reading control section 4 (503).

Next, the evacuation control section 5 and the medium evacuation processing section 9 evacuation of the medium in the withdrawal account (504).

In this case, if the medium is a bankbook, it is evacuated to the bankbook retraction path 35, and if the medium is a card, it is evacuated to the conveyor belt 49.

Next, the user is prompted to input data for confirming his/her identity (505), and when the input data processing unit 10 confirms that the user is the user himself/herself, the user is further prompted to input the transfer amount (506).

Next, the user is instructed to insert the medium to be used for the deposit account side, and when the medium for the deposit account side is inserted (507),
Similarly, the information on the medium is read (508), and the upper station communication processing unit 11 communicates transfer transaction information with the upper station via the line control mechanism 29 (509).

Next, the output information from the upper station is processed by the output data processing unit 12,
Then, the information is output to the deposit account side medium via the output control unit 6, and the medium is returned to the user (510).

Next, the output information from the upper station is similarly output to the withdrawal account side medium, and the medium is returned to the user (511).

Further, in the transfer transaction in the automatic transaction device 23 of this embodiment, as shown in FIG. 6, the steps (601 to 60
3) in the same way, enter the identity verification data (605), enter the transfer amount (606), and save the withdrawal account medium (606).
After executing 04) in parallel, insert the deposit account medium (6
07) The following steps can also be performed in the same way as in FIG.

In addition, as shown in Figure 7, the process up to evacuation of the withdrawal account medium (
Steps (701 to 704) corresponding to steps (501 to 504)
), and then check whether the withdrawal account medium and the deposit account medium are the same (705), and if they are the same, evacuate the withdrawal account medium and read the information on the inserted medium. (707), step 708 and subsequent steps can be processed in the same manner as in FIG.

Furthermore, as shown in FIG. 8, after a transfer transaction is selected and a withdrawal account medium and a deposit account medium are inserted (801
- 806), enter the personal identification data and transfer amount manually (807, 808), and output the data from the higher-level station (809), thereby further improving the operability.

〔Effect of the invention〕

According to the present invention, it is possible to perform transfer transactions using the same type of media without limiting the media for the withdrawal side account and the deposit side account.

[Brief explanation of the drawing]

FIG. 1 is a functional block diagram of an automatic transaction device according to an embodiment of the present invention, FIG. 2 is a block diagram of an automatic transaction device according to an embodiment of the present invention, and FIG. 3 is a passbook according to an embodiment of the present invention. FIG. 4 is an explanatory diagram of a card transportation route in an embodiment of the present invention, and FIGS. 5 to 8 are flowcharts of operation of transfer transactions in an embodiment of the present invention. 1: Operation guide control section, 2: Key manual control section, 3: Insertion detection section, 4: Reading control section, 5: Evacuation control section. 6: Output control section, 7: Transaction discrimination processing section, 8: Medium insertion detection processing section, 9: Medium evacuation processing section, 10: Input=8- card data processing section, 11: Upper station communication processing section, 12: Output data Processing unit, 13: Operation guidance processing unit, 22: Line, 2
3: Automatic transaction device, 24: Input operation mechanism. 25: Passbook control mechanism, 26: Card control mechanism, 27: Statement control mechanism, 28: Transaction control mechanism, 29: Line control mechanism, 30, 31: Conveyance roller A, 32: Conveyance switching gate, 33: Conveyance Roller B, 34: Print head, 35
: Passbook evacuation path, 47: Magnetic head, 48: Conveyor belt A
, 49: Conveyor belt B. Patent applicant: Hitachi, Ltd. - Ep 7 Figure 2 Figure 3 Figure 4 Figure δ Figure 6 Figure 7 Figure 8

Claims (1)

[Claims] 1. In an automatic transaction device that is equipped with a means to save cards and passbooks, and in which a user uses a card or passbook as a transaction medium to automatically conduct transfer transactions through communication with a higher-level station, If the user selects a transfer transaction and the deposit account medium and the withdrawal account medium are of the same type, the control means controls the withdrawal after reading the information on the inserted withdrawal account medium. An automatic transaction device characterized in that a money account medium is evacuated to the above-mentioned evacuation means, and further information is read from the inserted deposit account medium, thereby performing a transfer transaction using the same type of transaction medium.