JPH01259482A - Automatic transacting device - Google Patents

Abstract

PURPOSE:To prevent the trouble of an automatic transacting device from being generated by the usage of a transacting medium whose life is exhausted by discriminating whether using frequency information arrive at a setting value to show a using limit, sending a using limit signal when the information arrive at the setting value and outputting the using warning information of the transacting medium. CONSTITUTION:When the device takes in the transacting medium, the using frequency information to be recorded to the transacting medium are read by a reading means 70 of this device and sent to a discriminating means 71. The discriminating means 71 takes in the using frequency information and discriminates whether the using frequency information arrive at the setting value, which shows the using limit of this transacting medium, or not. When the information arrive at the setting value, the using limit signal is sent. A warning information output means outputs the using warning information to the user of this device based on the using limit signal from the discriminating means. Thus, the life control of the transacting medium can be executed and the device trouble is prevented from being generated.

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Industrial Application Field) The present invention relates to an automatic transaction device that automatically performs financial transactions by importing transaction media owned by users.

(Prior art) In recent years, transaction media handed out by users, such as ■D card (
A cash dispensing machine that automatically dispenses the cash requested by the user by communicating with a host computer or a magnetic passbook with a magnetic stripe that records account information. Automatic teller machines that accept cash, and even have both of these functions in one
Automated transaction devices such as automated teller machines with integrated functions are rapidly developing as automation equipment for bank counters, and are being introduced at banks to provide speedy services to users.

By the way, with the spread of automatic transaction devices in recent years, usage conditions have also changed. In other words, since the number of times a transaction medium is used and the period of use thereof are increasing, it is necessary to manage the lifespan of the transaction medium.

However, conventional devices simply accept transaction media, read account information, process transactions, and return transaction media, but do not take any measures to manage the lifespan of the transaction media, such as how many times they are used. As a result, there are cases where a transaction medium that has been used more than a predetermined number of times, for example, several thousand times to 10,000 times, is inserted into the device.

In the case of such transaction media, account information may become unreadable due to wear and tear on the magnetic stripe, resulting in device troubles that impede smooth transaction operations and impair user convenience. There is a problem.

(Problems to be Solved by the Invention) As described above, in the conventional device, since the lifespan of the transaction medium is not managed, there is a problem that troubles easily occur in the device 1, which impairs convenience.

Therefore, the present invention is capable of managing the lifespan of transaction media.
The purpose of this invention is to provide an automatic transaction device that can improve convenience.

[Structure of the Invention] (Means for Solving the Problem) The present invention provides an automatic transaction device that performs transactions for users of a transaction medium based on transaction information including updatable usage frequency information recorded in the transaction medium. , a reading means for reading transaction information including the number-of-use information, and a determination unit that determines whether the read number-of-use information reaches a set value indicating a usage limit and sends a usage limit signal when the set value is reached. and warning information output means for outputting transaction medium usage warning information based on the usage limit signal from the determining means.

(for production) The operation of the apparatus having the above configuration will be explained below.

When this device takes in the transaction medium, the reading means of this device reads the usage count information recorded on the transaction medium and sends this to the determining means.

The determining means takes in the usage frequency information from the determining means,
It is determined whether this usage count information has reached a set value indicating the usage limit of this transaction medium, and if it has reached the set value, a usage limit signal is sent out.

The warning information output means outputs usage warning information to the user of the device based on the usage limit signal from the determining means.

As a result, the lifespan of transaction media can be managed and equipment troubles can be prevented.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic transaction device (@terminal device) 10 of this embodiment. That is, an abbreviated operating section 2 is formed on the front surface of the casing 1. A banknote insertion slot 3 is provided on the horizontal surface of the operation unit 2, in which a large number of banknotes to be exchanged or loaded can be inserted at once, and change for the banknotes can be received. is provided with R4 which can be opened and closed freely.

In addition, on the horizontal surface of the operation unit 2, there is a CR equipped with a built-in touch sensor.
A T display section 5 is provided. This CRT display unit 5 displays operating procedures and usage limit warning information (described later) on the CRT screen using illustrations, text, or text to guide the user, and also uses the display to display information such as the PIN number, amount 1, locus number, transaction information, etc. Approved.

By pressing the display part corresponding to confirmation or cancellation, a touch sensor (not shown) detects it,
This is a so-called key operation that outputs a corresponding signal to the main control unit 11, which will be described later.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 69 into which an ID card C as a transaction medium in which a password and account information is recorded is inserted, a passbook insertion lower into which a bankbook is inserted, and a coin slot into which coins are inserted. A coin change receiving slot 9 is provided for receiving change in 8° coins.

As shown in FIG. 2, inside the housing 1 is a main control section 11 that controls the entire system. I inserted from the above card insertion slot 6
Accept the D card C, and from the magnetic stripe 41 on the ID card C, enter the PIN number (PIN information) 2 Account number @ (account information)
, reads transaction information such as usage count information indicating the number of uses, and as will be explained in detail later, the number of uses indicated by the usage count information reaches a set value indicating the usage limit, for example, several thousand times to 10,000 times. A magnetic card reading unit 12, which constitutes a part of the information processing means for determining whether or not A passbook printing section 13, which constitutes a part of an information processing means that reads the magnetic stripe section of the passbook inserted from the passbook insertion lower and records transaction details on the passbook and journal paper (not shown). Deposit/withdrawal unit 1 that accepts banknotes inserted into the banknote insertion slot 3 and dispenses banknotes of a specified amount to the banknote insertion slot 3
4. Coin deposit/withdrawal units 1 to 15 that accept coins inserted into the coin insertion slot 8 and dispense coins of a specified amount to the coin reception slot 9. A customer service unit 161 as a warning information output means constituted by the CRT display section 5; an audio guidance unit 17 as a warning information output means for providing voice guidance to customers through a speaker (not shown); Internal monitor for staff 18. A floppy disk as a data file containing financial institution information necessary for transfer transactions, such as bank names and branch names, in alphabetical order19. A transmission control section 20 that controls data transmission between the main control section 11 and the host computer (center). A power supply section 21 is provided.

Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

The center has a center file that stores transaction details (account information) and password numbers (password information) for each account. In response to a message sent from the main control unit 11 via the transmission control unit 20 based on the PIN entered by the user and account information read from the ID card C, the center stores the account information in the message. Based on the information, the corresponding password is read from the center file, and it is determined whether the passwords match. As a result, if the center agrees, the transaction permission message (transaction permission message @) is sent to the transmission control unit 2.
If the passwords do not match, a rewrite permission message (8 rewrite permission signal) is sent to the main control unit 11 via the transmission control unit 20. .

FIG. 3 shows an ID card (magnetic stripe card) C. There is a magnetic strip on the surface of this ID card C.
This magnetic stripe 41
Bank code, branch code.

Transaction information such as account number, PIN number, and updatable usage information are recorded. An embossed area 42 is provided on the surface of the above-mentioned 10 card C, and in this embossed area 42, branch number 2, location number, user name, etc. are embossed in a convex shape on the surface. .

FIG. 4 schematically shows the mechanism of the magnetic card reading section 12, which accepts an ID card C inserted from the card insertion slot 6 and performs predetermined processing on the ID card C. The magnetic card read section 12 is provided in the housing 1 at a location corresponding to the card insertion slot 6. That is, the card insertion slot 6 is communicated with the front surface of the main body 50. A detector 51 for optically detecting insertion or removal of the ID card C is provided near the card insertion slot 6. A conveyance path 52 is provided in a substantially horizontal state from the detector 51 toward the rear of the main body 50. This conveyance path 52 includes drive rollers 53.53, 53, and a pinch roller 5 that rolls into contact with these drive rollers 53.53.
4.54°54, etc., and is driven by a pulse motor (not shown). Further, a magnetic head 55 is provided in the middle of the transport path 52. The magnetic head 55 reads or records information on the magnetic stripe 41 on the surface of the ID card C. Further, in front of the magnetic head 55 on the conveyance path 52, a detector 57 for detecting the timing of starting reading of the IQ card C is provided. Roughly speaking, a detector 58 is provided at the end of the conveyance path 52 to detect the timing at which reading of the ID card C is completed.

FIG. 5 shows the electrical development of the magnetic card read section 12.

The magnetic card reading section 12 includes a reading means 70 that reads transaction information recorded on the ID card C, performs processing to be described later, and outputs the result, and a reading means 70 that takes in an output signal from the reading means 70 and reads the transaction information recorded on the ID card C. The apparatus is provided with a discriminating means 71 for discriminating transaction information, discriminating usage frequency information, and outputting the discriminating results as a usage limit signal.

That is, the transaction information of the ID card C read by the magnetic head 55 of the reading means 70 is amplified by a preamplifier 61 as shown in FIG. be done.

The waveform shaping circuit 63 shapes the output signal of the differentiating circuit 62 into a waveform at a predetermined slice level, and then sends the result to the determining means 71 as a read signal.

The determining means 71 includes a data determining section 64 that receives the output signal from the waveform shaping circuit 63 and performs a determining operation as described later, a storage section 65, and an information processing section 66.

The data discriminator 64 receives the read signal from the reading means 70 and determines whether the usage count information has reached a preset value (several thousand times to 10,000 times) indicating the usage limit of the ID card C. If the set value has been reached, a usage limit signal is sent to the storage unit 65, and other transaction information other than usage count information is determined, and the determination result is stored in the storage unit 65.
5 is sent.

The storage section 65 sequentially stores the signals supplied from the data discrimination section 64, and has a capacity capable of storing twice as much information as the information recorded on the magnetic stripe 41.

The stored contents of this storage section 65 are supplied to an information processing section 66. This information processing section 66 is composed of, for example, a microcomputer that controls the magnetic card reading section 12 .

The information processing section 66 determines the bank code, branch code, account number, PIN number, etc. according to the signal supplied from the storage section 65, and outputs the information to the main control section 11.
The usage limit signal is also output to the main control section 11.

The main control unit 11 receives this usage limit signal from the passbook printing unit 1.
3. Customer Service Units I~15. The information is sent to any or all of the voice guidance units 17.

Next, in such a configuration, FIGS. 6(a) to (
The withdrawal operation will be explained with reference to the flow chart not shown in C). For example, now a user stands in front of this device. At this time, the CRT display unit 5 displays "Welcome, please specify handling" and also displays [Drawer,
Deposit money, check balance.

The selection keys for "Passbook Entry, Transfer, Transfer" are displayed (
STI). In response to this guidance, the user presses down the portion labeled "Drawer" (Sr1). As a result, the main control unit 11 determines to proceed to the next processing step, and
[Please insert your passbook or card] is displayed on the display unit 5 (Sr3).

In response to this guidance, the user inserts the passbook into the passbook insertion lower (Sr1.5). As a result, the main control section 11
C3T6') displays on the display unit 5, "Currently accepting passbooks." At this time, the passbook is printed in the passbook print section 13.
A magnetic head (not shown) reads account information such as the PIN code 9 and account number recorded in the magnetic stripe section, and an optical sensor (not shown) reads the page marks and print marks recorded on the passbook. Read. The above account information is checked by the main control section 11, and if it is determined that the passbook is incorrect, the main control section 11 performs error processing. Next, the main control section 11 causes the CRT display section 5 to display a message "Please insert a card" (Sr1).

Next, the user inserts the card into the card insertion slot 6 according to the instructions in step 7 or 3 (Sr1). Then, the card is taken into the magnetic card reading section 12,
A PIN number recorded on a magnetic stripe section by a magnetic head (not shown).

Account information such as account number is read. The above account information is checked by the main control section 11, and if it is determined that the card is incorrect, the main control section 11 performs error processing.

Further, in step 1 above, the user inserts the card into the card insertion slot 6 (Sr1). Then, the account information etc. of the card will be read as described above. Next, if the user presses down the area labeled “Drawer” (STI
O), or if it is determined that the card is correct after inserting the card in step 8, the CRT display section 5 displays "Press your PIN number" and
The numeric keypad and correction key are displayed (STII). Next, the user follows the instructions and enters the PIN by pressing down on the area where Den-A-nee is displayed (
ST12).

By inputting this password, the main control unit 11 determines whether or not the passwords match, and if they do not match, performs a password re-input process.

In addition, if the PIN numbers match, the main control unit 11
1.Press the withdrawal amount on the display section 5" is displayed, and the numeric keypad and amount key are also displayed (ST13
). Next, the user inserts the withdrawal amount according to the instructions (ST14). Upon this insertion, the main control section 11 records the withdrawal amount in the storage section 23 and determines whether or not a passbook has been inserted (ST15). After that, if you have a passbook, recognize the lifespan of the card and passbook (ST16).
), a judgment is made (ST17). Also, if you do not have a passbook, the card will be recognized (ST18).

Make a judgment (ST19).

And step 17. '19 judgment results are stored in the storage unit 23
Thereafter, the main control unit 11 reads out the content of the comment based on the withdrawal amount 2 from the storage unit 23 (ST25), and displays on the CRT display unit 5, “Please confirm the comment content”. , the withdrawal amount, comment contents, confirmation key, and correction key input by the user are displayed (ST26). If it is determined in step 17 that the life of the card has expired, usage limit warning information is displayed on the CRT display section to urge reissue of the card C. Based on this display, if there is a correction, the user presses the correction key. Then, the main control unit 11 determines that the correction key has been pressed (5T27), clears the stored contents such as comments and continuous withdrawal mode, and returns to step 13 (ST28).

When the depression of the correction key is confirmed in step 27 described above, the main control unit 11 communicates with the center (5T30), sends and receives transaction information (ST31), and prints the results on journal paper using a printing device (not shown). Print (ST)
32). Upon completion of this printing, the main control unit 11 determines whether there is a passbook (5T33), and if there is a passbook, the contents of the transaction details sent from the center are printed on the passbook using a printing device (not shown) (ST34).

If it is determined in step 33 that there is no bankbook, the main control unit 11 prints the details of the transaction details on the statement sheet using a printing device (not shown) (ST37).

After that, the banknotes for the transaction are taken out (ST42),
When this is finished, the main control unit 11 displays “
Please receive your passbook (or statement), cards, and banknotes" is displayed (ST43), and the presence or absence of a passbook is determined (ST44). As a result of this judgment, if a passbook is present, the main control unit 11 releases the passbook from the passbook insertion lower and also causes the card to be ejected from the card insertion slot 6 (ST
45). Next, the user uses a passbook.

Receive the card (ST4B). When the user takes out the bankbook and card, the main control section 11 then opens the door 4 of the banknote insertion slot 3 to discharge the banknotes (ST47). When the user takes out the bill (ST48), the withdrawal transaction ends.

Further, if it is determined in step 4 that there is no bankbook, the main control section 11 causes the card to be ejected from the card insertion slot 6 (ST49). Next, the user receives the card (ST
50). When the user takes out this card, the main control unit 11 then opens the door 4 of the bill insertion slot 3 to eject the bill and also releases the statement sheet (ST51).

Then, when the user takes out this banknote and statement sheet (ST
52) This withdrawal transaction is completed.

As described in detail above, according to the device of this embodiment, when the number of uses of the ID card C reaches the usage limit, usage limit warning information is automatically transmitted to the user, so that the user can The card C will undergo a reissuance procedure, and as a result, the lifespan of the ID card C will be properly managed, and problems with the device 1 can be prevented.

The present invention is not limited to the embodiments described above, and various modifications can be made within the scope of the invention.

For example, although the above-mentioned embodiment has mainly been described with reference to ID cards, the lifespan management is not limited to this, and the lifespan management can also be performed on transaction media such as passbooks and transfer cards.

[Effects of the Invention] According to the present invention described in detail above, it is possible to properly manage the lifespan of a trading medium based on the number of times it is used, and it is possible to prevent equipment trouble from occurring due to the use of a trading medium that has reached the end of its lifespan. Therefore, it is possible to provide an automatic transaction device that prevents the above problems and improves convenience for users.

[Brief explanation of the drawing]

Fig. 1 is an external perspective view of the device of this embodiment, Fig. 2 is a block diagram showing the control system of the device, Fig. 3 is a perspective view of the configuration of an ID card, and Fig. 4 is a magnetic card of the device of the embodiment. A schematic sectional view showing the mechanism of the read section, FIG. 5 is a block diagram showing the electrical system of the magnetic card read section, and FIGS. 6(a) and (b).
) and (C) are flowcharts 1 to 1 showing the operation of the embodiment apparatus, respectively. C...ID card, 10...Transaction device, 16...
Customer service unit constituting the warning information output means, 17...Voice guidance unit l~ constituting the warning information output means, 70...Reading means, 71...Discrimination means. Agent Patent Attorney Rules
Yamashita - Figure 1 Figure 4 Figure 6

Claims (1)

[Claims] In an automatic transaction device that performs transactions for a user of a transaction medium based on transaction information including updatable usage frequency information recorded in a transaction medium, a reading means for reading transaction information including the usage frequency information; a determining means for determining whether or not the usage count information reached a set value indicating a usage limit and transmitting a usage limit signal when the set value is reached; An automatic transaction device comprising a warning information output means for outputting usage warning information.