JPH0236976B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automatic cash dispensing device that allows cash to be dispensed by simply inserting a cash card based on a reservation, such as a telephone reservation.

Conventional automated teller machines that use cash cards dispense cash when the user inserts the card and enters a PIN number, withdrawal amount, etc., and input operations are prone to errors. The reality is that it takes quite a long time on average due to redoing, etc., and when there are many users, users have to wait in line. Various countermeasures have been devised to address this situation in order to improve services for bank users, and the present invention is one of such countermeasures.

In the present invention, a withdrawal request is registered by reservation,
The purpose of this invention is to provide an automatic teller machine that allows cash payments to be made simply by inserting a card into the cash dispenser.

The automatic cash dispensing device of the present invention includes a determining means for determining whether withdrawal is possible based on data such as an account number and withdrawal amount input for making a withdrawal reservation, and a determination means for determining whether withdrawal is possible. a memory for registering data such as an account number and withdrawal amount based on the above, a card reader, a cash dispenser, and a control means,
The card reader reads the description of a card inserted at another time, and the control means compares the data in the memory with the data read by the card reader to operate the cash dispenser. It is characterized by

According to the present invention, a user can make a withdrawal reservation, visit a bank at a convenient time, and receive cash immediately by simply inserting a card. As a result,
Waiting times for deposit withdrawals are eliminated, and users are no longer forced to waste time. The present invention will be explained below with reference to Examples.

FIG. 1 shows the appearance of an embodiment of a cash dispensing machine (dispensing machine) in an automatic teller machine of the present invention. 1 is a card insertion slot, and 2 is a cash and receipt ejection window. FIG. 2 is a block diagram showing the structure of an automatic teller machine according to an embodiment of the present invention. 3 is a main control device that controls the following parts. The device has a unique telephone number and is connected to the telephone 7 of this number, and when the user dials the number with any telephone, the connection is made to the telephone 7 of this device. Reference numeral 4 denotes a pushphone receiver which identifies the numeric sounds corresponding to the pushbuttons sent from an external pushbutton type telephone and converts them into numeric data. Reference numeral 5 denotes a voice guidance section which sends voice guidance to the user's handset through a telephone line using a tape recording voice of various operation guidance.
8 is a line control unit for exchanging information with the bank's head office equipment using a telephone line;
is a modulation/demodulation device that converts various data codes within the device into signals for telephone transmission, or converts transmitted signals into data codes within the device. 10 is a card reader that reads the magnetic description of the inserted cash card; 11 is a slip (receipt) issuing machine; 12
is a banknote dispensing machine, which consists of a banknote counter, a banknote feeder, etc. 13 is a timing device, 14
is a memory that stores the withdrawal availability, withdrawal amount, and withdrawal deadline for each withdrawal reservation, and is referred to as the table below.

Here, I will explain the timing device and withdrawal deadline. Once a user makes a withdrawal reservation over the phone, they can receive cash payment by simply inserting their cash card into the withdrawal device (Figure 1), so the user can make a withdrawal reservation and then go out. When a cash card is lost, there is a possibility that a person who obtains the card may fraudulently use the card to fraudulently receive cash payments. To prevent this kind of danger, we have set a time limit after the reservation, and after that time, the reservation is canceled and no withdrawals are made. In this way, the risk of unauthorized use of the card described above is not prevented in principle, but is reduced probabilistically. The withdrawal deadline is set for this purpose, and the clock device is for detecting this deadline.

The device shown in FIG. 2 is divided into two parts. The dispensing device includes only a card reader 10, a slip issuing machine 11, and a banknote ejector 12, and the other parts are separated, and the dispensing device is installed outdoors. It is also possible to leave the other parts inside the bank store. This embodiment is based on the premise that a pushphone is used.
Although this is possible in principle with rotary telephones,
Devices that can distinguish the sounds of numbers and amounts spoken by users are currently extremely expensive, so devices that use dial telephones are currently impractical. When using a pushphone, the user can set the number of telephone 7 shown in FIG. 2 on the pushphone, call the telephone 7, and then send a numeric signal by pressing a button on the pushphone.

FIG. 3 is an operational flowchart of the apparatus shown in FIG. In determination 1, it is detected whether or not there is a call on the telephone 7, and if there is a call (YES), the voice guidance section 5 is activated to transmit operation guidance to the user's telephone. With this guidance, the user can press the button on the pushphone to enter the account number, card PIN number, etc.
Enter the withdrawal amount. The input data is sent to the head office by the line control unit 8, and a decision is made as to whether or not the withdrawal is possible.If the decision 2 is that the withdrawal is not possible (PIN mismatch, insufficient cash balance, etc.), a voice guidance will be provided to that effect. Although it is omitted in the figure, you can redo the input operation a certain number of times.
If withdrawal is not possible, the operation will be terminated and the call will be hung up. If withdrawal is possible (YES) in determination 2, the central office updates the center file, the clock device 13 determines the current time, and calculates the withdrawal deadline. This calculation is performed, for example, two hours after the current time.
Next, register the account number, withdrawal amount, and withdrawal deadline on the table, and then use the voice prompt to inform you that the withdrawal is possible and hang up.

If there is no telephone call in judgment 1, judgment 3
Then, it is detected whether or not the card has been inserted into the withdrawal device. Card reader 1 if a card is inserted
0 is activated to read the magnetic description on the card, and based on the read account number, it is searched to see if the account number is registered in the table in judgment 4. If the judgment is NO, it means that there is no reservation. Therefore, immediately return the card, and if the judgment is YES, read out the withdrawal amount and withdrawal deadline from the data for the relevant account number in the table, and in judgment 5, judge whether or not it is within the deadline based on the current time by the timing device 10. However, if the time is up (judgment NO), it notifies the head office equipment and reverse updates the center file, erases the data related to the reservation from the table under the account (later enters the data of other reservations), and removes the card. return. Judgment 5
When is YES, bill dispensing machine 12, slip issuing machine 1
1 is activated to discharge the cash and receipt, erase the data of the reservation from the table, return the card, and end the operation.

FIG. 4 shows the structure of the table. The inside of the table is divided into areas 1, 2, . . . of the same size, and data related to one reservation is stored in one of these areas. One area stores each data such as the account number of the reservation application, withdrawal amount, withdrawal deadline, and deposit balance sent from the head office device. The deposit balance data is used to enter the deposit balance on the receipt. Withdrawals are not made in the order of reservations, so it is not guaranteed that each area of the table will be vacated from top to bottom. When a reservation request is received, each area of the table is examined in order from the top and data regarding the reservation is stored in an empty area.

In the embodiment described above, the withdrawal deadline is set as a certain period of time after the determination that withdrawal is possible (determination 2) is made in the reservation, but in this case, the user is bound to a certain amount of time. Therefore, as another embodiment, it has been considered that the user can set a withdrawal deadline by himself or herself when making a withdrawal reservation by telephone. In this case, after determining 2YES in Figure 3, the voice guidance will instruct you to input the withdrawal deadline, and you can input the desired withdrawal deadline time using the push buttons on the push button, and this time data will be stored in the table as the withdrawal deadline. It will be done.

[Brief explanation of drawings]

The drawings show an embodiment of the present invention; FIG. 1 is a perspective view of the dispensing device, FIG. 2 is a block diagram showing the configuration of the device, FIG. 3 is a flowchart of the operation of the device, and FIG. 4 is a diagram of the table. FIG. 1...Card insertion slot, 2...Banknote and receipt outlet.

Claims (1)

[Scope of Claims] 1. A determination means for determining whether withdrawal is possible based on data such as an account number and withdrawal amount input for making a withdrawal reservation, and a determination means based on which determination means determines that withdrawal is possible. A memory for registering data such as account number and withdrawal amount, a card reader, and a cash dispensing machine.
control means, the card reader reads the description of the card inserted at another time, and the control means compares the data in the memory with the data read by the card reader to operate the cash dispensing machine. An automated cash dispensing device that is activated. 2. The cash according to claim 1, wherein a withdrawal deadline is stored in the memory, and when the card is inserted after the withdrawal deadline, the cash dispensing machine does not perform a cash dispensing operation. Automatic payment device. 3. The automatic cash dispensing device according to claim 2, wherein the withdrawal deadline is stored in the memory at the time of the withdrawal reservation.