JPH02275567A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To reduce the number of time of customer's operation and to shorten the waiting time of other customers by executing payment transaction without ending the transaction when the demand amount for payment exceeds the balance and without reinputting a card or an identification(ID) number. CONSTITUTION:When the payment amount demanded by a customer exceeds the balance of his deposit, a CPU in a center 13 transmits the balance of the customer's deposit to a terminal equipment. A balance storing means 18 of the terminal equipment receives and stores the customer's deposit balance and a display means 16 displays the stored deposit balance and operation guide information, indicating whether the deposit balance is to be paid or the transaction is to be canceled. When the customer executes operation in accordance with the displayed operation guide information, a deciding means 17 decides the operation result executed by the customer, and in the case of payment based upon the deposit balance, a payment telegram and the amount to be paid are transmitted to the CPU in the center 13. The terminal equipment executes cash payment operation similarly to the case that the normal payment demand amount is less than the deposit balance. Consequently, the number of times of customer's operation is reduced and the waiting time of other customers is shortened.

Description

[Detailed Description of the Invention] [Industrial Application Field] This invention is installed in a financial institution, etc., and can be used to make cash payments, deposits, balance inquiries, bankbook entries, etc. by the customer's own operations.
This relates to an automatic transaction device that performs transfers and the like.

[Prior Art] FIG. 2 is a block diagram showing the configuration of a conventional automatic transaction device. In the figure, 1 is a card reader, which reads card data (bank number, account number, password, etc.) from a card inserted by a customer. Reference numeral 2 denotes a bill depositing and dispensing machine, which performs bill depositing and dispensing processing.

3 is a passbook entry machine that prints transaction details on the passbook. 4
is a receipt printing machine that prints the balance and account number after a transaction on the receipt. 5 is a display unit that displays operating procedures and amounts. 6 is a transaction selection key for selecting a transaction item such as payment or deposit. 7 is a cancellation key, which is used when you want to cancel a payment, etc.

8 is the number key to enter the payment amount and PIN number. 9
is a confirmation key, which is used when the customer confirms the payment amount displayed on the display section 5. A comparator 10 has two registers and performs a comparison operation between the password read by the card reader 1 and the password input by the numeric keys 8. Reference numeral 11 denotes a main control unit which controls the entire operation of the terminal device of the automatic transaction device.

12 is an interface section, which is used for the above-mentioned 1 to 1 of the automatic transaction device.
2 and the center 13.

Reference numeral 13 denotes a center, which includes a host computer of a central processing system, and has a customer file therein, and the balance and other necessary data are stored in this file according to the customer's account number.

FIG. 3 is a flowchart illustrating the operation of FIG. 2. The operation shown in FIG. 2 will be explained according to the flowchart shown in FIG. First, the customer selects a transaction item such as payment or deposit using the transaction selection key 6.

In step S1 of FIG. 3, it is determined whether the selected transaction is a payment transaction, and if it is a payment transaction, the main control section 11 controls the display section 5 to display an instruction to insert a card. In step S2, when the customer inserts the card into the card reader 1, the card reader 1 reads the card data and stores it in the first register of the comparator 10. The main control unit 11 is
When card data is read from the card reader 1, an instruction to key in the password is displayed. In step S3, when the customer keys in his/her personal identification number with the number 8, the keyed-in data is stored in the second register of the comparator 10. In step S4, the main control unit 11 controls the comparator 10 to compare the passwords of the first and second registers to check whether the customer input data and the card read data match. If the resultant data of this check does not match, that is, if the customer and card are not matched, the display unit 5 is controlled to display an instruction to rekey the password, and the process returns to step S3. Furthermore, when a match between the customer and the card is recognized, the main control section 11 displays the display section 5.
control and display the key-in instruction for the amount to be paid.

In step S5, when the customer keys in the amount to be paid using the numerical keys 8, the main control section 11 reads this amount data and controls the display section 5 to display the amount. The customer presses the confirmation key 9 after confirming the displayed amount. In step S6, it is determined whether the customer has confirmed,
If confirmed, the process moves to step S7. However, if the cancel key 7 is pressed, the process moves to step 312, where the card is returned and the transaction is completed. When the confirmation key 9 is pressed, communication with the center 13 is performed in step S7. The main control section 11 transmits the card data and the data of the billed amount from the terminal device to the center 13 via the interface section 12 . In step S8, center I3
searches the center file based on the account number in the card data, compares the customer's balance with the billed amount, and determines whether the billed amount is within the balance. If the billed amount is within the balance, the center 13 updates the balance and transmits the new balance to the terminal device. In step S9, the main control unit 11 within the terminal device controls the receipt printing machine 4 to print transaction data such as the new balance and payment amount on the slip. In step S10, the main control section 11 controls the display section 5.
and display instructions for returning receipts and cards. The customer receives the returned receipt and card. Further, in step Sll, the main control unit 11 controls the bill depositing and dispensing machine 2 to withdraw the payment amount. The customer receives and completes the payment amount.

However, in step S8, if the center 13 determines that the billed amount exceeds the balance, the center 18 transmits a message to the terminal device indicating that the transaction is not possible.

The main control unit 11 in the terminal device controls the display unit 5, displays that the balance is insufficient, returns the card, and ends the process.

[Problems to be Solved by the Invention] In the conventional automatic transaction device as described above, if the requested payment amount input by the customer exceeds the deposit balance of the customer account,
The card is returned to the customer and the transaction ends. Therefore, when a customer needs cash, the customer needs to check the deposit balance using a balance inquiry transaction and then make a transaction again within the deposit balance range, consuming a total of three transactions worth of operations and time. This not only reduces customer frustration with transactions, but also
There was a problem with a decline in customer service, such as increased waiting time for the next customer in line.

This invention was made to solve the above-mentioned problems.In a payment transaction, if the amount requested exceeds the balance, the transaction is not terminated, and the payment transaction can be performed without re-entering the card or PIN number. The purpose of the present invention is to provide an automatic transaction device that reduces the number of operations performed by a customer and the waiting time of other customers.

[Means for Solving the Problems] An automatic transaction device according to the present invention is an automatic transaction device that performs cash payments, etc. from a deposit at a financial institution, etc. by operating a terminal device of a customer, when the amount requested by the customer is not deposited. When the balance exceeds the balance, the central processing unit of the center includes a transmitting means for transmitting the customer's deposit balance to a terminal device, and the terminal device receives the customer's deposit balance transmitted by the transmitting means. , a balance storage means for storing this, the deposit balance stored in the balance storage means, and the deposit balance.
a display means for displaying operation guidance information when making or canceling a payment, a determination means for determining the result of an operation performed by the customer according to the displayed operation guidance information, and a determination result by the determination means; In the case of payment based on the deposit balance, the system is equipped with a transmission means for transmitting the payment message and the payment amount to the central processing unit of the center.

[Operations] This invention provides an automatic transaction device for making cash payments from deposits at financial institutions etc. by operating a terminal device of a customer.
When the customer's billed amount exceeds the customer's deposit balance,
A transmitting means of a central processing unit in the center transmits the customer's deposit balance to the terminal device. In the terminal device, a balance storage means receives the customer's deposit balance transmitted by the transmission means and stores it. Further, the display means displays the deposit balance stored in the balance storage means and operational guidance information for making or canceling payment using the deposit balance. When the customer performs an operation according to the displayed operation guidance information, the determining means determines the result of the operation performed by the customer. If the determination result by the determination means is payment based on the deposit balance, the transmission means transmits the payment message and the payment amount from the terminal device to the central processing unit of the center.

Then, the terminal device performs a cash payment operation in the same way as when the amount requested for payment is within the deposit balance.

[Embodiment] FIG. 1 is a block diagram showing an embodiment of an automatic transaction device according to the present invention, and 1 to 13 are the same as the conventional device shown in FIG. 14 is a guidance data storage section, j6 is a balance display control section, j7 is a determination section, and 18 is a balance storage section. Also, excluding the center 13, 1 to 12.14°1, t3-1
8 devices are built into the terminal device.

FIG. 4 is a flowchart illustrating the operation of FIG. 1. In the figure, steps 81 to SL2 have the same contents as in FIG. 3. Also, part B indicated by a broken line, that is, step S1
3 to SL5 are newly added parts according to the present invention.

The operation O in FIG. 1 will be explained according to the flowchart in FIG. 4. In step S8 of FIG. 4, if the center 13 determines that the billed amount is less than or equal to the balance, it performs the same operation as the conventional device. If the center 13 determines that the billed amount exceeds the balance, it transmits a message indicating that transactions are not possible and the balance to the terminal device. Main control unit 11 in the terminal device
When receiving this message and balance, it stores this balance data in the balance storage section 18 and moves to step S13. In step S13, the main control section 11 controls the balance display control section 1.
G to display the balance amount stored in the balance storage section 18 and the guidance data stored in the guidance data storage section 14 on the display section 5.

FIG. 5 is a diagram showing an example of a display when the requested payment amount exceeds the balance. In the figure, if the customer's designated payment amount exceeds the balance, the customer's balance amount, and if the customer wishes to withdraw the balance amount as is, press the confirmation key 9.
Further, guidance data is displayed instructing the user to press the cancel key 7 in the event of canceling the transaction. In step S14,
The determining unit 17 determines whether the confirmation key 9 has been pressed. Naturally, pressing the cancel key 7 corresponds to the case where the confirmation key 9 is not pressed. If it is determined that the confirmation key 9 has been pressed, the process moves to step 515, and the main control unit 11 is notified of payment continuation. The main control unit 11 reads the balance amount to be paid from the balance storage unit 18, transmits the payment transaction, payment amount, etc. to the center I3, and moves to step S9. The steps from step S9 to step Sll correspond to the case where the payment amount is within the balance, and the same operations as in the case of FIG. 3 are performed.

If it is determined in step S14 that the confirmation key 9 is not pressed, the main control unit 11 is notified of transaction cancellation and the process moves to step S12. In step SL2, the card reader 1 returns the card and the transaction is completed.

[Effects of the Invention] As described above, according to the present invention, in an automatic transaction device that performs cash payments, etc. from a deposit at a financial institution etc. by operating a terminal device of a customer, the amount requested by the customer exceeds the balance of the deposit. Instead of immediately ending the transaction as in the past, when a transaction ends, the deposit balance is displayed as the payable amount, and the deposit balance is withdrawn according to the operation result determined by the customer.This eliminates the hassle of checking the balance in the past. is omitted, resulting in improvements in customer service, such as a reduction in the number of operations performed by the customer and a reduction in waiting time for other customers.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing an embodiment of an automatic transaction device according to the present invention, FIG. 2 is a block diagram showing the configuration of a conventional automatic transaction device, and FIG. 3 is a flowchart explaining the operation of FIG. 2. FIG. 4 is a flowchart explaining the operation of FIG. 1, and FIG. 5 is a diagram showing an example of display when the billed amount exceeds the balance.

Claims (1)

[Scope of Claims] In an automatic transaction device that performs cash payments, etc. from a deposit at a financial institution, etc. by operating a terminal device of a customer, when the amount requested by the customer exceeds the balance of the deposit, the central processing unit of the center a transmitting means for transmitting the customer's deposit balance to a terminal device; a balance storage means for receiving and storing the customer's deposit balance transmitted by the transmitting means in the terminal device;
a display means for displaying the deposit balance stored in the balance storage means, operation guidance information for making or canceling a payment using the deposit balance, and an operation performed by the customer in accordance with the displayed operation guidance information; An automatic transaction characterized by comprising a discriminating means for discriminating a result, and a transmitting means for transmitting a payment message and a payment amount to a central processing unit of a center when the discriminating result by the discriminating means is a payment using a deposit balance. Device.