JPH01123364A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To surely perform cash management by eliminating payment work by a clerk by inquiring the processing state of a transaction at a time when a fault is generated in a device on the way of performing a payment processing and it is recovered by the clerk to a center, and permitting the payment of a requested amount when the update of a file is completed. CONSTITUTION:The center judges whether or not the transaction is feasible by referring to the balance and the negative file, etc., of a customer, and edits a judged result in a telegram, then, returns it to an automatic transaction processor. The automatic transaction processor pays the cash of prescribed amount when the telegram receiving from the center is the one indicating the payment of the cash. At this time, when the fault is generated in the device or a line, recovery and resetting work is performed by the clerk, and at the time of restarting the operation of the device, the device itself inquires the completion of the update of the file to the center. When the file has been updated, the device pays requested cash by its own operation. In such a way, it is possible to eliminate the payment work of the clerk.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of the Invention This invention relates to an improvement in a failure response system for automatic transaction processing equipment.

(b) Summary of the Invention When the automatic transaction processing device according to the invention goes down during a withdrawal transaction and is recovered by a staff member, the automatic transaction processing device inquires of the processing center about the processing status of the downed transaction, and the file update is completed. In such cases, the requested amount will be withdrawn. This eliminates the need for staff to withdraw money and ensures cash management.

(C) Conventional technology The automatic transaction processing equipment installed at financial institutions is connected to a center that has each customer's file, and when making a withdrawal transaction, the automatic transaction processing device is connected to a center that has a file for each customer. I am trying to query files. When the results of these inquiries are OK and there is a reply indicating that the file has been updated, the automatic transaction processing device makes a withdrawal.

Conventionally, the automatic transaction processing equipment or line may go down during a withdrawal transaction, and the transaction may be interrupted without knowing whether the transaction has been completed (the center file has been updated) or not. In such a case, conventionally, a staff member uses another terminal device to inquire of the center to inquire whether the transaction can be concluded, that is, to inquire whether the center's file has been rewritten. If the transaction had already been rewritten, the transaction was assumed to have been completed, and the clerk took the withdrawal amount from the safe of the downed automatic transaction processing device and paid it to the customer.

(d) Problems to be solved by the invention However, with this type of withdrawal method, it is the responsibility of the staff to make withdrawals, which places a heavy burden on the staff (
However, since the amount of cash withdrawn from the safe cannot be controlled by the device, there is a problem in cash management for withdrawal transactions. Furthermore, since it is necessary to use another online terminal device to contact the center, there is a problem in that the operating efficiency is reduced.

This invention was made in view of these problems.
To provide an automatic transaction processing device which can make a withdrawal by itself inquiring about the conclusion of a transaction to a center after recovery even if it goes down during a withdrawal transaction.

(a) Means for Solving the Problems This invention transmits the details of a withdrawal transaction requested by a customer to the center for inquiry, and when the center file is updated with the details of the transaction, the requested amount is cashed out. When an automatic transaction processing device that withdraws money goes down during a transaction and is recovered by an attendant process, there is a means for inquiring about the processing status of the withdrawal transaction that went down to the center, The present invention is characterized by providing means for executing a withdrawal operation of the billed amount when the file has been updated.

(f) Function When performing a withdrawal transaction using the automatic transaction processing device of the present invention, data on the details of the transaction is sent to the center to inquire whether the transaction is possible or not. Center is this customer's balance.

The result of the 0 judgment, which determines whether the transaction is acceptable or not, is edited into a telegram and sent back to the automatic transaction processing device by referring to a negative file or the like. If the message received from the center is a message that allows withdrawal, the automatic transaction processing device withdraws a predetermined amount of cash. Here, if the device or line goes down during a withdrawal transaction, the staff will perform recovery and reset work. When this work is completed and the device resumes operation, it inquires whether the center file has been updated. If the file has already been updated, the transaction is concluded and the billed amount is withdrawn by the user's own action. (g) Embodiment FIG. 2 is an external view of an ATM (automatic transaction processing device) which is an embodiment of the present invention.The bottom of the customer service panel.

There is a handling display 2” on the direct panel surface that shows whether the transaction is in progress or not.
1. Passbook insertion slot 2 into which a bankbook is inserted and card insertion slot 3 into which a transaction card used for personal withdrawal transactions is inserted.
is provided. The handling display l displays "handling canceled" when the device or line goes down, and there are banknote deposit/withdrawal slots 4 on the horizontal panel. A CRT5 and a coin deposit/withdrawal lower are provided.

A touch panel switch 6 is provided on the surface of the 01275 and detects the presence or absence of a finger or the like touching the surface of the C175 and its position. The touch panel switches detect key presses. Further, an attendant key 8 is provided on the front side of the horizontal panel surface, and this attendant key 8 is a key that is pressed when the device is down and an attendant performs maintenance.

Figure 3 is a block diagram of the control unit of the same ATM.A ROM II that stores programs, etc., and a RAM 12 that stores data, etc. are connected to the CPU10, which centrally controls the entire device, and also controls each operating unit. An interface 13 is connected thereto. Interface 1
3 includes a CRT control section 14 that controls the display on the CRT 5. A touch panel switch control section 15 that controls the detection operation of the touch panel switch 6. A card league 16 that reads the data of the card inserted from the card insertion slot 2, a passbook/disbursement table printer 171 that prints the passbook/disbursement table, a banknote processing unit 1B that processes the deposit and withdrawal of banknotes, and a coin that processes the deposit and withdrawal of coins. Processing unit 19. Floppy disk 22 containing data and backup files to be loaded into RAM 12
A transmission control unit 23 is connected to the floppy disk device 21 into which the floppy disk is inserted and to the center 24.A file for each customer is set in the center 24, and this file is updated by the message from the ATM. do.

FIGS. 4(A) and 4(I3) are partial configuration diagrams of files in the RAM 12 and center 24 of the ATM. Same figure (
A) is I'? 12a is a card data storage area that stores the data of a card inserted for a transaction, and 12b is a withdrawal area that stores the withdrawal request amount keyed in at the time of a withdrawal transaction. This is the amount storage area. CB) in the same figure shows the storage area for each customer in the center file. 24a is the customer's name;
24b is a balance storage area that stores customer information such as addresses, and 24c is a previous transaction storage area that stores transaction data that last updated the balance storage area 24b. be.

The withdrawal transaction processing operation of the ATM will be explained with reference to the flowchart of FIG. When the transaction card is inserted (nl) and the correct PIN number is keyed in (n2), the transaction becomes possible. When the withdrawal amount is keyed in at n3, a message including this amount and card data is sent to the center to inquire whether the withdrawal can be made (n4). - Judging from the negative file etc. (n5), the center sends a telegram of the judgment result to the 8 TM. If the transaction is possible, a “Withdrawal Allowed Message” will be sent. The ATM receives this message (n6) - If this message is received normally, (nl) returns the card (n8), and prepares the banknote/coin processing section for withdrawal (n9) -
If the withdrawal preparation is completed normally (nlO), the withdrawal will be made (nlO).
ll).

When this withdrawal process is performed normally (nl 2), open the shutter of the deposit/withdrawal slot for banknotes/coins (n13), and after confirming that the banknotes/coins are removed (n14), close the shutter for banknotes/coins. Close (n15) to finish the operation.

On the other hand, n7. n 10. If it is determined in n12 that the message was not received or the cash was not disbursed normally, the device goes down and the staff is asked to respond.First, the staff key is pressed (n16) and the cause of the failure is investigated. (
nl? ) Reset processing is performed (n1B) - These are all staff operations. If it is determined at n19 that the normal state has been restored as a result of this process, the file update investigation operation is started (n20), and the staff member presses the inquiry key (
This key is displayed on the CRT5. ) is pressed, (
n21), inquire of the center as to whether the transaction interrupted due to the downtime (stored in areas 12a and 12b) has been completed (n22); at this time, storage area I2a
, b is sent. The center determines whether or not the transaction has been completed based on the previous transaction storage area 24c and sends a reply. , at an ATM, if the reply indicates that the transaction has been completed (n2
3) Wait for the withdrawal key (displayed on CIIT5) to be pressed and proceed to n9. If the transaction has not been completed, the operation ends. When the operation proceeds to n'9, a predetermined amount of cash is withdrawn.

n22 corresponds to the "means for inquiring about the processing status of the downed withdrawal transaction" of the present invention, and n23 and n24 correspond to the "means for executing the withdrawal operation of the billed amount" of the present invention.

(h) #Effects of the Invention As described above, according to the present invention, even if the device etc. goes down during a withdrawal transaction and the transaction is interrupted, after the staff in charge recovers the transaction, the center is contacted to confirm whether the interrupted transaction has been completed or not. If the transaction is successful, the requested amount can be automatically withdrawn. This eliminates the need for staff to take cash out of the machine's safe and dispense money to customers even if the machine goes down during a withdrawal transaction, making cash management easier and reducing the burden of cash handling on staff. It can be reduced.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the operation of the control unit of an ATM that is an embodiment of the present invention, and FIGS.
An external view and a block diagram of the control unit, FIG. 4(A),
(n) is a partial configuration diagram of the memory and center file of the ATM. 12a-Card database storage area, 12b-Withdrawal amount storage area, 24c-Previous transaction storage area.

Claims (1)

[Claims] (1) When the details of the withdrawal transaction requested by the customer are sent to the center and the center file is updated with the details of the transaction, the automatic transaction processing device that withdraws the requested amount of cash When the center goes down during a transaction and is restored by staff processing, there is a means to inquire about the processing status of the downed withdrawal transaction to the center, and if the center file has already been updated with the details of this withdrawal transaction, the amount to be billed. An automatic transaction processing device comprising: a means for executing a withdrawal operation; and an automatic transaction processing device.