JPH0315781B2 - - Google Patents

Description

[Detailed Description of the Invention] (a) Industrial Application Fields This invention is applicable to various applications such as deposits (deposits), withdrawals (cash payments), transfers (transfers), bookkeeping, and balance inquiries performed in banking operations. The present invention relates to a transaction processing method for an automatic transaction processing device that selects and automatically performs transactions.

(b) Prior Art Conventionally, a multi-functional automatic transaction processing device that enables the above-mentioned types of transactions has been considered, but the device is operated by selecting and inputting the desired transaction using a transaction processing selection means. It was something to do.

(c) Problems to be solved by the invention However, one of the problems with multi-functional automatic transaction processing devices is that they become complicated to operate, and when operations become complicated, customers avoid using the devices. Equipment availability decreases.

Furthermore, as the device becomes more multi-functional, there are also problems in that the number of processing options increases and the processing time becomes longer.

Therefore, the present invention addresses the above-mentioned problems, and even if it is a multi-functional automatic transaction processing device, it can be operated as easily as a single function, and can be processed in the same processing time as a single function, and further, The device provides a transaction processing method for a convenient automatic transaction processing device that allows each transaction to be performed in a normal manner by selecting a key.

(d) Means for solving the problem The present invention is an automatic transaction processing device that selects and executes multiple transaction processes such as deposits, withdrawals, and transfers, and in which the multiple transaction processes are selected by a transaction selection means. A transaction designation that specifies a specific transaction for a card provided to the device by setting a normal transaction mode in which a selected transaction process is executed and an automatic transaction mode in which a specified transaction is automatically executed. When the card is provided to the device and there is no transaction designation data on the card, after one of a plurality of transaction processing is selected by the transaction selection means, the selected transaction processing is performed. The present invention is characterized in that it is a transaction processing method for an automatic transaction processing device that automatically executes a transaction specified by the transaction specification data when the card has transaction specification data.

(E) Effect The transaction processing method of the automatic transaction processing device of this invention is such that when there is no transaction designation data on the card provided to the automatic transaction processing device, one of a plurality of transaction processing is selected by the transaction selection means. After that, the selected transaction is executed, and if the card has transaction designation data, the transaction processing specified by the transaction designation data is automatically executed.

(f) Effects of the invention As a result of the above, according to the present invention, by simply recording transaction data on a card and providing it to the device,
Transactions can be performed using the same operations as a single function, improving operability for customers, and even though it has multiple functions, the single-function operation specification reduces processing time and improves equipment efficiency. Operation rate can be improved.

Furthermore, since the transaction specification data mentioned above is recorded by using the card originally used by the automatic transaction processing device and by using the recording area of this card, there is no need for a special recording medium. You can use the card conveniently.

In addition, when transaction specification data is not recorded on the card, it enters normal transaction mode and can be used as a normal multi-function by selecting various transaction keys, so it can be used as automatic transaction mode or It can be selected to normal trading mode and used effectively.

(g) Embodiment of the invention An embodiment of the invention will be described in detail below based on the drawings.

The drawing shows an automated transaction processing device that performs multiple transactions such as deposits, payments, transfers, transfers, bookkeeping, and balance inquiries.

In FIG. 1, the automatic transaction processing device 20 is equipped with a horizontal operation surface 21 that protrudes forward, and an operation procedure display 22 is provided on the right side of this operation surface 21. The operating procedure for the customer is displayed along each step, and the customer operates based on the displayed guidance.

A plurality of transaction keys 23 are provided at the left and right positions of the above-mentioned operation procedure display 22, and specify transaction types such as deposit, payment, transfer, transfer, bookkeeping, and balance inquiry.

A numeric keypad 24, an amount unit key 25, a confirmation key 26, a cancel key 27, and an amount display 28 are provided on the front of the above-mentioned operating procedure display 22, and the numeric keypad 24 is used to input numerical information such as a password and amount. However, the amount unit key 25 is used to enter the unit of 10,000, 1000, or yen for the amount entered using the numeric keypad 24, the confirmation key 26 is operated when the entered amount is correct, and the cancel key 27 is used to cancel the transaction midway through. When operated,
The amount display 28 displays the amount of money entered using the numeric keypad 24 and the amount unit key 25.

A bill insertion slot 29 and a bill return slot 30 are provided on the left side of the operation surface 21, which are normally closed by a shutter 31 and opened when necessary. The above-mentioned bill insertion slot 29 inserts deposited bills at the time of a deposit transaction, and the bill return slot 30 discharges the returned bills at the time of a deposit transaction.

An attendant key 32 is provided at the left end of the aforementioned operation surface 21, and is operated by an attendant when operating the device 20.

The above-mentioned device 20 is provided with a handling display 34 at an upper position of a substantially vertical operation surface 33, and this display 34 displays the types of transactions that can be processed.

There is a card insertion slot 35 on the right side of the operation surface 33 mentioned above.
is provided, and a banknote slip receiving slot 3 is provided at the bottom of the slot.
A card given to a customer is inserted into the card insertion slot 35, and a bill for payment and a slip on which various transaction data are printed are discharged from the bill slip receiving slot 36.

A bankbook insertion slot 37 is provided on the left side of the aforementioned operation surface 33, and the bankbook given to the customer is inserted into the bankbook with the pages opened in a printable state.

The door key 3 is located at the upper and lower left end of the operation surface 33 mentioned above.
8 and an attendant call key 39 are provided, and the door key 3
8 is operated by a staff member when the side door (not shown) of the device 20 is opened and the staff operates the inside, and the staff call key 39 is operated by a customer when the customer operates the device 20 and needs to call the staff. Operate this.

FIG. 2 shows the internal structure of automatic transaction processing device 20, which is composed of six units 41-46.

The main control unit 41 includes a master CPU 47, ROM
48, RAM 49, and two interfaces 50 and 51, the interface 50 connects the other units 42 to 46 and the main control unit 41, and the interface 51 connects the center and the main control unit 41. , ROM48 is master CPU47
The ROM 48 stores execution programs, and the ROM 48 stores various data.

This main control unit 41 controls other units 42-46.

The other units 42 to 46 are slave units in common.
Equipped with CPU52, ROM53, RAM54, and interface 55, each ROM53 is connected to each slave CPU.
Each RAM 54 stores various data, and each interface 55 is connected to the main control unit 41.

The panel control unit 42 is the customer service panel control section 5
7 and a monitor panel control section 58, the customer service panel control section 57 has various keys 23 to 27, 32, 3.
Transaction type, PIN number, payment amount, confirmation, cancellation, staff operation, staff call, entered in steps 8 and 39.
Input control processing such as door opening, various display devices 22,
28 and 34 display control processing is performed. The monitor panel control section 58 performs input control processing for a test mode switch and a set button (both not shown) provided inside the device 20.

The bill discriminating unit 43 includes a bill discriminating section 59 and a bill storage section 60, and the bill discriminating section 59 determines the authenticity and denomination of the bills inserted into the bill slot 29 for deposit, and determines the amount. The banknote storage section 60 stores the inserted banknotes after the above-described discrimination process.

The passbook printing unit 44 includes a passbook reading section 61, a passbook printing section 62, and a journal printing section 63. Reads the passbook data required for the passbook, such as bank number and account number. The bankbook printing unit 62 prints transaction data indicating transaction details on the print page of the bankbook. The journal printing unit 63 prints transaction data showing transaction details on journal paper.

The slip issuing unit 45 includes a card reader section 64,
A slip printing section 65 is provided, and a card reader section 64 reads card data necessary for the card, such as bank number and account number recorded on the magnetic stripe of the card inserted into the card insertion slot 35, and also updates the card data. Record data to card. The slip printing unit 65 prints transaction details on a slip, issues it, and discharges it to the banknote slip receiving slot 36.

The banknote discharging unit 46 includes a banknote discharging section 66, which dispenses banknotes corresponding to the payment amount while counting them and discharges them into the banknote slip receiving slot 36 at the time of payment.

FIG. 3 shows the recording format comprised in the magnetic stripe of the card, which is divided into a bank transaction data field 70 and a transaction designation data field 71.

The above-mentioned bank transaction data field 70 records data necessary for a customer to transact with a bank, such as a bank number and account number, and the transaction specification data field 71 records transaction specification data specifying the type of transaction and the transaction. Accompanying data is recorded.

The transaction specification data field 71 described above is set using a normal reserve field, and this field 71 includes a transaction type area 72 and an amount area 7.
3. A transfer destination area 74 is provided.

The transaction type area 72 described above records coded codes for various transactions, such as deposits, payments, transfers, transfers, bookkeeping, and balance inquiries, and the amount area 7
3 records the amounts of deposits, payments, transfers, and transfers, and the transfer destination area 74 records the number of the transfer destination.

The recipient's account number is used as the recipient's account number, but since the number of individual recipients is small, this is coded and the code is recorded, and the coded account number of the recipient is stored in the center's center file. I'll keep it.

For example, if the transaction type is a deposit, such as a savings deposit in which a fixed amount is regularly deposited, the code indicating the deposit is recorded in area 72, and the amount thereof is recorded in area 73. If it is a transfer, enter the code indicating the transfer in area 72, the transfer amount in area 73, and the area 74.
Record the code of each transfer destination.

The transaction designation data is recorded in the transaction designation data field 71 by an encoder at the counter.

FIG. 4 shows a recording format formed on the magnetic stripe of a passbook, and this recording format is also divided into a bank transaction data field 75 and a transaction designation data field 76, similar to the aforementioned card.

The above-mentioned bank transaction data field 75 records data necessary for a customer to transact with a bank, such as bank number, account number, account, balance, etc., and data necessary for processing a passbook. Transaction designation data specifying the transaction type and data accompanying the transaction are recorded.

Note that a transaction type area 77, an amount area 78, and a transfer destination area 79 are set in the transaction designation data field 76 described above, but the data recorded in these areas is based on the transaction designation data field 71 set in the card described above. Each area 72-74
Since it is the same as , the details are omitted.

The transaction designation data is recorded in the transaction designation data field 76 by the encoder at the counter, as in the case of the card described above.

The transaction processing operation of the automatic transaction processing device 20 configured as described above will be explained with reference to a flowchart.

This automatic transaction processing device 20 handles various transactions using cards and various transactions using passbooks.Furthermore, in card transactions, there are normal transactions performed by the user by selecting the transaction type, and transactions based on transaction designation data recorded on the card. There are automatic transactions, and passbook transactions are also divided into regular transactions and automatic transactions.

In FIG. 5, the operating procedure display 22 displays an instruction to insert a bankbook or a card in step 81, and in the next steps 82 and 83 it is checked whether to insert a bankbook or a card.

The above-mentioned check is performed depending on whether the passbook reading section of the unit 44 or the card reader section 64 of the unit 45 has read the passbook data or card data.

When a customer performs a transaction using a card, the customer inserts the card into the card insertion slot 35, and when a customer performs a transaction using a bankbook, the customer inserts the bankbook into the bankbook insertion slot 37.

When a card is inserted, the card reader section 64 of the unit 45 reads the card data in step 84, and this card data is stored in a predetermined area of the RAM 54.

Since the above-mentioned card data also includes transaction designation data in the field 71, whether the transaction is a normal transaction or an automatic transaction is determined based on the presence or absence of this data and the transaction designation. Read out the card data.

When it is determined in step 85 that the transaction designation data is a deposit (deposit) transaction, automatic deposit transaction processing is performed in routine 5S, and in step 86 it is determined that the transaction designation data is a payment (withdrawal) transaction. When it is determined that the transaction designation data is a transfer transaction, automatic transaction processing for payment is performed in routine 6S, and automatic transaction processing for transfer is performed in routine 7S, and transaction designation is performed in step 87. When it is determined that there is no data, normal transaction processing is performed in routine 2S.

On the other hand, if a passbook is inserted (determination result in step 82), the passbook reading section 61 of the unit 44 reads the passbook data in step 88, and this passbook data is
The data is stored in a predetermined area of the RAM 54.

Since the above-mentioned passbook data also includes transaction designation data in the field 76, whether the transaction is a normal transaction or an automatic transaction is determined based on the presence or absence of this data and the transaction designation. This is done by reading out the passbook data.

If it is determined in step 89 that the transaction designation data is a deposit (deposit) transaction, automatic deposit transaction processing is performed in routine 4S, and if it is determined in step 89 that there is no transaction designation data, routine 3S is performed.
Perform normal trading.

FIG. 6 shows a normal transaction using a card. If transaction designation data is not recorded in the data, the operation procedure display 22 instructs and displays the transaction selection in step 90, and the customer makes the desired transaction selection based on the display. Press the transaction key 23.

In step 91, it is determined whether or not the transaction key 23 has been pressed, and if it has been pressed, it is determined in the next step what kind of transaction it is.

That is, if it is determined in step 92 that the transaction is a deposit (deposit), the deposit process is performed in step 97. This process is a normal deposit transaction process that the customer operates according to the display on the operating procedure display 22, including inserting banknotes, counting the amount, displaying the amount, checking the amount, updating the balance, issuing a slip, returning the card, etc. By performing predetermined processing and terminating these processing, the deposit transaction using the card is completed 2E.

If it is determined in step 93 that the transaction is a payment (withdrawal) transaction, the withdrawal process is performed in step 98. Similar to the above, this process is a normal payment transaction process in which the customer operates in accordance with the display on the operating procedure display 22, and includes personal verification of the customer by inputting a PIN number, input of the requested payment amount, and the amount Predetermined processes such as display, amount confirmation, balance update, bill release, slip issuance, and card return are performed, and by completing these processes, the card payment transaction is ended 2E.

If it is determined in step 94 that the transaction is a payment (withdrawal) transaction that also uses a passbook, the withdrawal process is performed in step 99. Similar to the above, this process is a normal payment transaction process operated by the user, including personal verification of the user, insertion of passbook, input of payment request amount, amount display, amount confirmation, balance update, release of banknotes, and passbook. Perform the prescribed processing such as printing, returning the passbook card, etc.
By completing these processes, the card,
Finish the payment transaction using the passbook 2E.

If it is determined in step 95 that the transaction is a transfer, transfer processing is performed in step 100. Similar to the above, this process is a normal transfer transaction process operated by the customer, and includes customer personal verification, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, slip issuance, card return, etc. By performing predetermined processing and terminating these processing, the transfer transaction by card is completed 2E.

If it is determined in step 96 that the transaction is a transfer using a bankbook, transfer processing is performed in step 101. Similar to the above, this process is a normal transfer transaction process operated by the customer, including customer personal verification, passbook insertion, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, passbook printing, etc.
By performing predetermined processes such as returning the bankbook card and terminating these processes, the transfer transaction using the card and bankbook is completed 2E.

FIG. 7 shows normal transactions using a passbook. If no transaction designation data is recorded in the passbook, the operation procedure display 22 instructs the selection of a transaction in step 102, and the customer selects the desired transaction based on the display. key 23
Press .

In step 103, it is determined whether or not the transaction key 23 has been pressed. If it has been pressed, it is determined in the next step what kind of transaction it is.

That is, if it is determined in step 104 that the transaction is a deposit (deposit), the deposit process is performed in step 107. This process is performed by the customer on the operating procedure display 2.
The normal deposit transaction processing is performed according to the display shown in step 2, including inserting deposit banknotes, counting the amount, displaying the amount,
Predetermined processes such as checking the amount, updating the balance, printing the passbook, and returning the passbook are performed, and by completing these processes, the deposit transaction using the passbook is ended 3E.

Payment (withdrawal) using a card in step 105
If it is determined that the transaction is a transaction, the withdrawal process is performed in step 108. Similar to the above, this process is a normal withdrawal process operated by the user, including personal verification of the user, insertion of card, input of billed amount, amount display, amount confirmation, balance update, release of banknotes, and passbook. Perform the prescribed processing such as printing, returning the passbook card, etc.
By completing these processes, the payment transaction using the passbook card is completed 3E.

If it is determined in step 106 that the transaction is a transfer using a card, transfer processing is performed in step 109. Similar to the above, this process is a normal transfer process operated by the customer, including customer personal verification, card insertion, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, passbook printing, etc.
By performing predetermined processes such as returning the passbook card and terminating these processes, the transfer transaction using the passbook card is ended 3E.

Figure 8 shows automatic transactions using a passbook. If the passbook records transaction designation data for a deposit transaction,
At step 110, the main control unit 41 controls the panel control unit 42, and the customer service panel control section 57 of this unit 42 controls the operating procedure display 22 to display an instruction to insert cash.

The customer inserts deposited banknotes into the banknote slot 29 with the shutter 31 opened, and when the banknotes are inserted,
The main control unit 41 controls the banknote discriminating unit 43, and the banknote discriminating unit 59 takes in the banknotes one by one from the banknote input slot 29 and performs authentication and denomination discrimination, and the amount data is stored in the RAM 54 and is read in. The banknotes are stored in the banknote storage section 60.

When it is determined in step 111 that the cash store has been completed, the panel control unit 42 controls the customer service panel control section 57 to display the amount of money to be deposited on the amount display 28 and to display an instruction to confirm the amount on the operation procedure display 22. do.

After confirming the displayed amount, the customer presses the confirmation key 26, and when this press is determined in step 113,
At step 114, center communication is performed.

That is, the main control unit 41 reads passbook data from the passbook printing unit 44, and also reads deposit amount data from the banknote discrimination unit 43, and transmits these passbook data and deposit amount data to the center.

The center searches the center file based on the account number in the passbook data, updates the balance, and transmits the new balance to the terminal.

In step 115, the slip issuing unit 45 stores the new balance and passbook data in the RAM 54, organizes the details of the deposit transaction based on these data, prints the details of the deposit transaction on the slip in the slip printing section 65, and prints the details of the deposit transaction on the slip. Issue.

Further, in step 116, the bankbook printing unit 44 stores the new balance in the RAM 54, organizes the deposit transaction printing data, and prints it on the bankbook at the bankbook printing unit 62.

When these prints are completed, in step 117, the panel control unit 42 controls the customer service panel control section 57 to display an instruction to remove the bankbook on the operation procedure display 22, and the bankbook is returned to the bankbook insertion slot 37.

When the customer removes the passbook, this removal is detected by an appropriate sensor, and it is determined in step 118 that the passbook has been removed, the customer service panel control unit 5 is activated in step 119.
7 controls the operation procedure display 22 to display an instruction to take out the slip, and the slip is discharged to the banknote slip receiving slot 36.

When the customer pulls out the slip, this drawing is detected by an appropriate sensor, and it is determined in step 120 that the slip has been drawn, the main control unit 41 resets each unit 42 to 44 to the initial state and deposits are made using the passbook. End automatic trading of 4E.

FIG. 9 shows an automatic deposit transaction using a card. If transaction designation data for a deposit transaction is recorded on the card, the main control unit 41 controls the panel control unit 42 in step 121, and this unit 4
The customer service panel control section 57 of No. 2 is an operation procedure display device 22.
control and display instructions for inserting cash.

When a customer inserts a banknote into the banknote slot 29, the main control unit 41 activates the banknote discrimination unit 43.
The banknote discriminating unit 59 takes in the banknotes one by one from the banknote slot 29 and determines the authenticity and denomination.The amount data is stored in the RAM 54, and the taken banknotes are stored in the banknote storage unit 60. be done.

When it is determined in step 122 that the cash storage is complete, the panel control unit 42 controls the customer service panel control section 57 to display the amount of money to be deposited on the amount display 28 and instruct the operation procedure display 22 to confirm the amount. indicate.

After confirming the displayed amount, the customer presses the confirmation key 26, and when this press is determined in step 124,
Center communication is performed in step 125.

That is, the main control unit 41 reads card data from the slip issuing unit 45, and also reads deposit amount data from the bill discriminating unit 43, and transmits these card data and deposit amount data to the center.

The center searches the center file based on the account number in the card data, updates the balance, and transmits the new balance to the terminal.

At step 126, the slip issuing unit 45 stores the new balance in the RAM 54, organizes the deposit transaction printing data, and prints and issues the slip in the slip printing section 65.

In step 127, the panel control unit 42 controls the customer service panel control section 57 to display an instruction to remove the card on the operation procedure display 22, and the card is returned to the card insertion slot 37.

When the customer withdraws the card, this withdrawal is detected by an appropriate sensor, and it is determined in step 128 that the card has been withdrawn, the customer service panel control section 57 controls the operation procedure display 22 in step 129, and the withdrawal of the slip is detected. is displayed, and the slip is sent to the banknote slip receiving slot 36.
is released.

When the customer pulls out a slip, this sampling is detected by an appropriate sensor, and it is determined in step 130 that the slip has been removed, the main control unit 41 controls each unit 4.
2, 43, and 45 are reset to their initial states, and the automatic deposit transaction by card is ended 5E.

FIG. 10 shows an automatic transaction for withdrawal using a card. If transaction designation data for a payment transaction is recorded on the card, the main control unit 41 controls the slip issuing unit 45, and this unit 45 performs the reading from the card. In step 131, it is determined whether data for using a bankbook in combination with the transaction designation data of the card data is recorded.

If the card data does not contain passbook data, the customer's personal verification will continue, but if the above data is recorded,
The main control unit 41 controls the panel control unit 42, and in step 132, the customer service panel control section 57 controls the operation procedure display 22 to display an instruction to insert a bankbook.

When the customer inserts the bankbook into the bankbook insertion slot 37 and it is determined in step 133 that the bankbook has been inserted, the customer's personal verification is then performed.

The panel control unit 42 is the customer service panel control section 5
7, and in step 134 the operating procedure display 22 is displayed.
will prompt you to enter your PIN number.

The customer enters a password using the numeric keypad 24, and this password is sent to the panel control unit 42.
Stored in RAM54.

When it is determined in step 135 that the password has been input, it is determined in the next step 136 whether the passwords match.

That is, the panel control unit 42 reads out the password of the card data stored in the RAM 54 of the slip issuing unit 45 and compares it with the input password.

If the comparison results in a discrepancy, the process returns to step 134, where the user is instructed to re-enter the password, and if they match, the customer's personal verification is permitted.

In step 137, the slip issuing unit 45 determines whether the amount data for payment is recorded in the transaction specification data of the read card data, and if the amount data is fixedly recorded, the slip issuing unit 45 proceeds to step 137.
140, but if the amount data is not recorded, it will be input by the customer.

The panel control unit 42 is the customer service panel control section 5
7, and the operating procedure display 22 displays an instruction to input the amount.

The customer uses the numeric keypad 24 and the amount unit key 25
Enter the billing amount and proceed to step 139.
If it is determined that this input has been completed, the process moves to the next step.

The panel control unit 42 is the customer service panel control section 5
At step 140, the amount display 28 displays the input billed amount or the read amount data, and the operation procedure display 22 displays an instruction to confirm the amount.

After confirming the displayed amount, the customer presses the confirmation key 26, and when this press is determined in step 141,
Next, in step 142, center communication is performed.

That is, the main control unit 41 reads card data from the slip issuing unit 45, further reads billing amount data from the panel control unit 42, and transmits these card data and amount data to the center.

The center searches the center file based on the account number in the card data, updates the deposit balance, and transmits the new balance to the terminal.

At step 143, the slip issuing unit 45 stores the new balance in the RAM 54, organizes payment transaction printing data, and prints and issues the slip in the slip printing section 62.

Furthermore, the bill discharging unit 46 reads the amount data of the payment request from the panel control unit 42,
The banknote discharging unit 66 is controlled to dispense banknotes.

In step 144, it is determined whether the transaction uses a passbook.
If the transaction is a card only transaction, skip to step 148, or if it is determined that a bankbook is used, the bankbook printing unit 44 stores the new balance in the RAM 54, reads the billed amount data from the panel control unit 42, and makes the payment. Transaction print data is organized and printed on a passbook by a passbook printing section 62.

In step 146, the panel control unit 42 controls the customer service panel control section 57 and displays the operation procedure display 22.
An instruction to remove the passbook is displayed, and the passbook is returned to the passbook insertion slot 37.

When the customer pulls out the passbook, this pullout is detected by an appropriate sensor, and it is determined in step 147 that the passbook has been pulled out, the customer service panel control unit 57 controls the operation procedure display 22 in step 148, and the card pullout is detected. Insert the card into the card insertion slot 35.
Return it to.

When the customer withdraws the card, this withdrawal is detected by an appropriate sensor, and it is determined in step 149 that the card has been withdrawn, the customer service panel control section 57 controls the operation procedure display 22 in step 150, and displays banknotes and slips. The banknotes and slips are discharged to the banknote slip receiving slot 36 with an instruction to take them out.

The customer takes out banknotes and slips, these removals are detected by appropriate sensors, and the process proceeds to step 151.
When it is determined that the card has been taken out, the main control unit 41 resets each of the units 42 to 46 to the initial state and terminates the automatic card payment transaction 6E.

FIG. 11 shows an automatic transfer transaction using a card. When transaction designation data for a transfer transaction is recorded on the card, the main control unit 41 controls the slip issuing unit 45, and this unit 45 controls the card issuing unit 45. In step 152, it is determined whether data for which a passbook is used together is recorded in the transaction designation data.

If the card data does not contain passbook data, the process will be skipped to the customer's personal verification step, but if the above data is recorded, the main control unit 41 will control the panel control unit 42. In step 132, the customer service panel control unit 57 controls the operation procedure display 22 to display an instruction to insert a bankbook.

When the customer inserts the bankbook into the bankbook insertion slot 37 and it is determined in step 154 that the bankbook has been inserted, the customer's personal verification is then performed.

The panel control unit 42 is the customer service panel control section 5
7, and in step 155 the operating procedure display 22 is displayed.
will prompt you to enter your PIN number.

The customer enters a password using the numeric keypad 24, and this password is sent to the panel control unit 42.
Stored in RAM54.

When it is determined in step 156 that the password has been input, it is determined in the next step 157 whether the password has been entered.

That is, the panel control unit 42 reads out the password of the card data stored in the RAM 54 of the slip issuing unit 45 and compares it with the input password.

As a result of the comparison, if there is a discrepancy, the process returns to step 155 and the user is instructed to re-enter the password, and if they match, the customer's personal verification is permitted.

In step 158, the slip issuing unit 45 determines whether the amount data for transfer is recorded in the transaction specification data of the read card data, and if the amount data is fixedly recorded, the process skips to step 161. However, if the amount data is not recorded, it will be input by the customer.

The panel control unit 42 is the customer service panel control section 5
7, and the operation procedure display 22 is displayed in step 159.
will prompt you to enter the transfer amount.

The customer uses the numeric keypad 24 and the amount unit key 25
The amount to be transferred is input by , and when it is determined in step 160 that this input has been completed, the process moves to the next step.

In step 161, the slip issuing unit 45 determines whether transfer destination data is recorded in the transaction specification data of the read card data, and if the transfer destination data is fixedly recorded, the slip issuing unit 45 skips step 161.
164, but if the transfer destination data is not recorded, it will be input by the customer.

The panel control unit 42 is the customer service panel control section 5
7, and in step 162 the operation procedure display 22 is displayed.
will prompt you to enter the transfer destination.

The customer inputs the bank number and account number of the transfer destination using the numeric keypad 24, and when it is determined in step 163 that the input has been completed, an inquiry is made to the center.

That is, the main control unit 41 reads the transfer destination data from the panel control unit 42, transmits it to the center, and inquires as to whether there is a transfer destination or not and whether there is a transfer fee.

The center checks whether there is a transfer destination, and if a fee has been set, transmits data such as the fee to the terminal.

When the transfer is possible, the panel control unit 42
controls the customer service panel control section 57, and proceeds to step 165.
The amount display 28 displays the inputted transfer amount or the read transfer amount, and the operation procedure display 22 displays an instruction to confirm the amount.

After confirming the displayed amount, the customer presses the confirmation key 26, and when this press is determined in step 166,
Next, in step 167, center communication is performed.

That is, the main control unit 41 reads card data from the slip issuing unit 45 and transmits it to the center.

The center searches the center file based on the account number in the card data, debits the transfer amount and fees that have already been transmitted from the deposit balance, and transmits the new balance to the terminal.

At step 168, the slip issuing unit 45 stores the new balance in the RAM 54, organizes the transfer transaction printing data, and prints and issues the slip in the slip printing section 62.

In step 169, it is determined whether the transfer transaction uses a bankbook or not, and if the transaction involves only a card, it is determined in step 173.
However, if a passbook is used together, the new balance and transfer data are stored in the RAM 54 of the passbook printing unit 44, the transfer transaction printing data is organized, and the passbook printing unit 62 prints it on the passbook.
Further, the journal printing section 63 prints on journal paper.

In step 171, the panel control unit 42 controls the customer service panel control section 57 and displays the operation procedure display 2.
2, an instruction to remove the passbook is displayed, and the passbook is returned to the passbook insertion slot 37.

When the customer removes the passbook, this removal is detected by an appropriate sensor, and it is determined in step 172 that the passbook has been removed, the customer service panel control unit 5 is activated in step 173.
7 controls the operation procedure display 22, displays an instruction to remove the card, and returns the card to the card insertion slot 35.

When the customer removes the card, this removal is detected by an appropriate sensor, and it is determined in step 174 that the card has been removed, the customer service panel control unit 57 controls the operation procedure display 22 in step 175, An instruction for sampling is displayed, and the slip is discharged into the bill slip receiving slot 36.

When the customer pulls out the slip, this pulling is detected by an appropriate sensor, and it is determined in step 176 that the slip has been pulled out, the main control unit 41 resets each unit 42, 44, 45 to the initial state and removes the card. 7E to end the automatic payment transaction.

Although balance inquiry and bookkeeping processing are not shown in the above-mentioned embodiments, they are carried out by making inquiries to the center as appropriate.

Further, although a card or a passbook which is commonly used as a recording medium is shown, a card exclusively used for transactions may also be used.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention; Fig. 1 is a perspective view of an automatic transaction processing device, Fig. 2 is a block diagram of its configuration, Fig. 3 is an explanatory diagram of a card recording format, and Fig. 4 is a diagram of a bankbook. An explanatory diagram of the recording format, Fig. 5 is a flowchart showing transaction processing by the automatic transaction processing device, Fig. 6 is a flowchart showing normal transactions by card, Fig. 7 is a flowchart showing normal transactions by passbook, and Fig. 8 is a flowchart showing normal transactions by card. The figure is a flow chart showing automatic deposit transactions using a passbook, Figure 9 is a flow chart showing automatic deposit transactions using a card,
FIG. 10 is a flowchart showing an automatic withdrawal transaction using a card, and FIG. 11 is a flowchart showing an automatic transfer transaction using a card. 20... Automatic transaction device, 35... Card insertion slot, 37... Passbook insertion slot, 41... Main control unit, 44... Passbook printing unit, 45... Slip issuing unit, 61... Passbook reading section, 64 ...Card reader section, 71, 76...Transaction specification data field.

Claims (1)

[Scope of Claims] 1. An automatic transaction processing device that selects and executes multiple transaction processes such as deposits, withdrawals, and transfers, wherein the transaction process is selected by selecting the multiple transaction processes using a transaction selection means. A normal transaction mode in which a specified transaction is executed and an automatic transaction mode in which a specified transaction is automatically executed. When a card is provided to the device, when there is no transaction designation data on the card, after one of a plurality of transaction processes is selected by the transaction selection means, the selected transaction is executed, and the selected transaction is executed. A transaction processing method for an automatic transaction processing device that automatically executes transaction processing specified by the transaction specification data if the card has transaction specification data.