JPH0315782B2 - - 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 transaction processing by 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, if the device has other functions, the number of selection items for processing increases, and the processing time also becomes longer.

Therefore, this invention addresses the above-mentioned problems, and even if it is an automatic transaction processing device with multiple functions, 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 expanded transactions to be performed in normal operations by key selection operations.

(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 recording medium provided to the automatic transaction processing device, which is capable of selectively setting a normal transaction mode in which a selected transaction process is executed by executing a transaction, and an automatic transaction mode in which a designated transaction is automatically executed. When the automatic transaction processing device is in the normal transaction mode, when the recording medium is provided and the automatic transaction processing device is in the normal transaction mode, the transaction selection means selects one of a plurality of transaction processes. is selected, the automatic transaction processing device executes the selected transaction and, if the automatic transaction processing device is in the automatic transaction mode, automatically executes the transaction specified by the transaction designation data on the recording medium. It is characterized by being a transaction processing method.

(e) Effect The transaction processing method of the automatic transaction processing device of this invention is such that when the automatic transaction processing device is in the normal transaction mode, after one of a plurality of transaction processing is selected by the transaction selection means, If the automatic transaction processing device is in the automatic transaction mode, the transaction specified by the transaction designation data on the recording medium provided with the device is automatically executed.

(F) Effects of the Invention As a result of the above, according to the present invention, when the automatic transaction processing device is in the automatic transaction mode, the transaction specified by the transaction specification data on the recording medium is automatically executed, so that the customer can Transactions can be performed using the same operations as a single function, improving operability for users, and
Despite having multiple functions, the single-function operation specification reduces processing time and improves the operating rate of the device.

In addition, if you cancel the automatic transaction mode setting and set it to normal transaction mode, you can use it as a normal multi-function by selecting various transaction keys. Automatic trading mode or normal trading mode can be selected depending on the situation and can be 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 automatic transaction processing device that performs multiple transactions such as deposits, payments, 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, 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 operation procedure display 22, and the numeric keypad 24 displays numerical values such as a password, amount, or transfer destination. Enter the information, use the monetary unit key 25 to enter the unit of 10,000 or 1,000 yen for the monetary value entered using the numeric keypad 24, operate the confirmation key 26 when the input or displayed monetary value is correct, and press the cancel key 27. When operated to cancel a transaction midway through, the amount display 28 displays the amount entered using the numeric keypad 24 and amount unit key 25 or the amount read from the card or passbook.

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.

A handling display 34 is provided at an upper position of the substantially vertical operation surface 33 of the device 20 described above, 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.
A slip receiving slot 36 is provided at the bottom thereof, a card given to a customer is inserted into the card insertion slot 35, and a slip with various transaction data printed on it is ejected from the slip receiving slot 36. Ru.

A bankbook insertion slot 37 is provided on the left side of the aforementioned operation surface 33, and the bankbook not given to the customer is inserted into the bankbook by opening the page 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.

Although not shown in FIG. 1, a monitor panel is provided inside the side door that is opened using the door key 38, and this panel includes a test mode switch and various set buttons. , is provided with a setting switch for setting the device 20 to automatic transaction mode.

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 RAM 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, and the customer service panel control section 57 has various keys 23 to 27, 32, 3.
Input control processing such as transaction type, PIN number, transfer destination designation, payment amount, confirmation, cancellation, staff operation, staff call, door opening, etc. entered in 8 and 39,
Performs display control processing for various indicators 22, 28, and 34. The monitor panel control section 58 performs input control processing for a test mode switch and a set button provided inside the device 20, as well as an automatic transaction mode setting switch (both not shown).

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,
Equipped with a passbook printing section 62 and a journal printing section 63,
The passbook reading section 61 reads passbook data necessary for a passbook such as bank number and account number recorded on the magnetic stripe provided on the display part of the passbook inserted into the passbook insertion slot 37. 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, bookkeeping, and balance inquiries, and the amount area 73 records the amounts of deposits, payments, and transfers, and the transfer destination area 74 records the number of the transfer destination.

The recipient's bank number and account number are used as the recipient's bank number, but since there are only a small number of individuals who use the recipient's bank number and account number, this code is encoded and the code is recorded, and the encoded bank number and account number of the recipient is Store it in the center's center file.

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. In the case of a transfer, a code indicating the transfer is recorded in area 72, a transfer amount value is recorded in area 73, and a code of the transfer destination is recorded in area 74.

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 the case of card or passbook transactions, there are normal transactions performed by the user by selecting the transaction type, and transactions recorded on the card or passbook. There is an automatic transaction based on specified data, and this automatic transaction is executed by setting the device 20 to an automatic transaction mode.

In FIG. 5, the panel control unit 42 controls the customer service panel control section 57 in step 1, the operation procedure display 22 displays an instruction to insert a passbook or card, and in the next steps 2 and 3, inserts a passbook or card. It is determined whether

The above determination is made depending on whether the passbook reading section 61 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 it is determined in step 3 that the card has been inserted, the card reader section 64 of the unit 45 reads the card data in step 4, and this card data is stored in a predetermined area of the RAM 54.

The panel control unit 42 determines in step 5 whether the automatic transaction mode is set.

That is, when performing an automatic transaction, the device 20 is set to automatic transaction mode using the monitor panel control section 58.

By this setting, an automatic transaction mode setting flag is set in the RAM 54 of the unit 42.

Note that if the automatic transaction mode described above is not set, normal transaction processing is performed in Routine 2S as a normal transaction.

When the automatic trading mode mentioned above is set,
The slip issuing unit 45 reads the card data stored in the RAM 54 to determine the presence or absence of transaction designation data and the transaction type.

When it is determined in step 6 that the transaction designation data is a deposit (deposit) transaction, automatic deposit transaction processing is performed in routine 5S, and in step 7 it is determined that the seal designation data is a payment (withdrawal) transaction. If this happens, automatic transaction processing for payment is performed in routine 6S, and when it is determined that the transaction designation data is a transfer transaction in step 8, automatic transaction processing for transfer is performed in routine 7S, and in step 8, the transaction designation data is determined to be a transfer transaction. If it is determined that there is no transaction, normal transaction processing is performed in routine 2S.

On the other hand, when insertion of the passbook is determined in step 2, the passbook reading section 61 of the unit 44 reads the passbook data in step 9.
The data is stored in a predetermined area of the RAM 54.

The panel control unit 42 determines in step 10 whether the automatic trading mode is set.

That is, when performing automatic trading, the automatic trading mode is set in the monitor panel control section 58 as described above, and the automatic trading mode flag is set in the RAM 54 of the unit 42.

Note that if the above-mentioned automatic transaction mode is not set, normal transaction processing is performed in routine 3S as a normal transaction.

When the automatic trading mode mentioned above is set,
The passbook printing unit 44 reads the card data stored in the RAM 54, and determines the presence or absence of transaction designation data and the type of transaction.

In step 11, transaction specification data is deposited (deposit)
If it is determined that the transaction is a transaction, automatic deposit transaction processing is performed in routine 4S, and if it is determined in step 11 that there is no transaction specification data, the routine
Perform normal transaction processing using 3S.

FIG. 6 shows a normal transaction using the card. If no transaction designation data is recorded on the card or the automatic transaction mode is not set, the operating procedure display 22 will prompt you to select a transaction in step 90. , the customer presses the desired transaction key 23 based on the display.

If it is determined in step 91 that the transaction key 23 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. The deposit transaction by card is completed 2E by performing the predetermined processing and terminating these processing.

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 completed 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 a passbook, input of the requested payment 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, balance update, passbook printing, and passbook card return. By performing predetermined processes such as these and terminating these processes, the transfer transaction by card or passbook is completed 2E.

Figure 7 shows a normal transaction using a passbook. If the passbook does not record transaction specification data or the automatic transaction mode is not set, the step
At 102, the operating procedure display 22 displays an instruction to select a transaction, and the customer selects the desired transaction key 2 based on the display.
Press 3.

If it is determined in step 103 that the transaction key 23 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 completed 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.

FIG. 8 shows an automatic transaction using a passbook. If transaction designation data for a deposit transaction is recorded in the passbook and the automatic transaction mode is set, the customer service panel control unit 57 controls the operation procedure display 22 in step 110. to display instructions for inserting cash.

The customer inserts deposited banknotes into the banknote slot 29 with the shutter 31 opened, and when the banknotes are inserted,
The banknote discriminating unit 59 takes in the banknotes one by one from the banknote input slot 29 and determines the authenticity and denomination.The denomination data is stored in the RAM 54 of the unit 43, and the taken banknotes are stored in the banknote storage unit 60. be done.

When it is determined in step 111 that the cash storage has been completed, the amount of money to be deposited is displayed on the amount display 28, and an instruction to confirm the amount is displayed on the operation procedure display 22.

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 organizes the details of the deposit transaction based on the new balance and the passbook data, prints the details of the deposit transaction on the slip by the slip printing section 65, and issues the slip.

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

When these prints are completed, in step 117,
The operation procedure display 22 displays an instruction to remove the passbook, and the passbook is returned to the passbook insertion slot 37.

When the customer pulls out the bankbook and it is determined in step 118 that the bankbook has been removed, the operating procedure display 22 displays an instruction to pull out the slip in step 119, and the slip is discharged into the banknote slip receiving slot 36.

When the customer pulls out the slip and it is determined in step 120 that the slip has been pulled out, the main control unit 41 resets each unit 42 to 44 to the initial state,
End automatic transaction of deposits using passbook 4E.

Figure 9 shows automatic transaction of deposit by card,
The transaction designation data of the deposit transaction is recorded on the card,
and automatic trading mode is set, the step
At 121, the operating procedure display 22 displays an instruction to insert cash.

When a customer inserts a banknote into the banknote slot 29, the banknote discriminator 59 selects one banknote from the banknote slot 29.
The banknotes are taken in one by one and checked for authenticity and denomination.The amount data is stored in the RAM 54 of the unit 43, and the taken in banknotes are stored in the banknote storage section 60.

In step 122, when it is determined that the cash storage has been completed, the amount display 28 displays the amount of money to be deposited, 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 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.
These card data and deposit amount data are transmitted 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.

In step 126, the slip issuing unit 45 organizes the deposit transaction printing data based on the new balance, and the slip printing section 65 prints and issues the slip.

At step 127, the operating procedure display 22 displays an instruction to remove the card, and the card is inserted into the card insertion slot 3.
It will be returned on 7th.

When the customer removes the card and it is determined in step 128 that the card has been removed, the operation procedure display 22 displays an instruction to remove the slip, and the slip is ejected to the banknote slip receiving slot 36.

When the customer pulls out the slip and it is determined in step 130 that the slip has been removed, the main control unit 41 resets each unit 42, 43, 45 to its initial state and terminates the automatic card deposit transaction 5E.

FIG. 10 shows an automatic transaction for withdrawal using a card. When transaction instruction data for a payment transaction is recorded on the card and the automatic transaction mode is set, the slip issuing unit 45 specifies the transaction based on the card data read from the card. In step 131, it is determined whether data that uses a passbook together is recorded in the data.

If the card data does not include data for use with a passbook, the process will be skipped to step 134.
When the above data is recorded, the step
At 132, the operating procedure display 22 displays an instruction to insert a passbook.

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.

That is, in step 134, the operating procedure display 22 displays an instruction to input the password.

The customer enters the password using the numeric keypad 24, and 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 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, when the slip issuing unit 45 determines that the amount data for payment is fixedly recorded in the transaction specification data of the read card data, the process skips to step 140, but if the amount data is not recorded. If it is not available, it will be input by the customer.

That is, in step 138, 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 the input has been completed, 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,
At step 142, center communication is performed. That is, the main control unit 41 controls the slip issuing unit 45.
reads the card data from the panel control unit 42, further reads the billing amount data from the panel control unit 42,
These card data and amount data are transmitted 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 voucher issuing unit 45 organizes the payment transaction printing data based on the new balance and
The passbook printing unit 62 prints and issues the slip.

Furthermore, the banknote dispensing unit 46 dispenses banknotes at a banknote discharging section 66 based on the amount data of the payment request.

In step 144, it is determined whether the transaction uses a passbook.
If the transaction is a card only transaction, skip to step 148, but if a bankbook is used together, the bankbook printing unit 4 will be used.
4 organizes payment transaction print data based on the new balance and payment request amount data,
Step 2 to print on your passbook.

At step 146, the operating procedure display 22 displays an instruction to remove the bankbook, and the bankbook is returned to the bankbook insertion slot 37.

When the customer pulls out the bankbook and it is determined in step 147 that the bankbook has been removed, the operating procedure display 22 displays an instruction to remove the card in step 148, and the card is returned to the card insertion slot 35.

When the customer removes the card and it is determined in step 149 that the card has been removed, in step 150 the operating procedure display 22 displays an instruction to remove the banknotes and slips, and the banknotes and slips are transferred to the banknote slip receiving slot 36.
are released respectively.

The customer takes out banknotes and slips and steps
When removal is determined in step 151, the main control unit 4
1 resets each unit 42 to 46 to the initial state and terminates automatic card payment transaction 6E
do.

FIG. 11 shows an automatic transfer transaction using a card. When the transaction specification data of the transfer transaction is recorded on the card and the automatic transaction mode is set, the slip issuing unit 45 transfers the transaction specification data of the card data read from the card. In step 152, it is determined whether data for using a passbook together is recorded.

If the card data does not contain data for use with a passbook, the process will be skipped to step 155.
If a passbook is to be used together, the operation procedure display 22 will display an instruction to insert the passbook.

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.

That is, in step 155, the operation procedure display 22
displays an instruction to input a password, the customer enters the password using the numeric keypad 24, and this password is stored in the RAM 54 of the panel control unit 42.

If it is determined in step 156 that the password has been input, then in step 157 it is determined whether the passwords match.

That is, the panel control unit 42 reads the password of the card data from the slip issuing unit 45 and compares it with the input password.

As a result of the comparison, if there is a mismatch, the process returns to step 155 and instructions are given 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 transfer amount data 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 161.
However, if there is no record of amount data, it will be input by the customer.

At step 159, the operating procedure display 22 displays an instruction to input the transfer amount, and the customer presses the numeric keypad 24.
and the amount to be transferred using the amount unit key 25, and when it is determined in step 160 that this input has been completed, in step 161, the slip issuing unit 45 records the data of the transfer destination in the transaction specification data of the read card data. If the transfer destination data is fixedly recorded, the step
164, but if the transfer destination data is not recorded, it will be input by the customer.

In step 162, the operating procedure display 22 displays an instruction to input the transfer destination, and 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, Inquiries are communicated 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 amount display 28 displays the inputted transfer amount or the read transfer amount in step 165, 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 organizes transfer transaction printing data based on the new balance, the transfer amount, etc., and prints and issues the slip on the passbook 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 passbook printing unit 44 organizes the transfer transaction print data based on the new balance and transfer data, and prints the transfer transaction data to the passbook printing unit 6.
In step 2, the journal printing section 63 prints on the bankbook and journal paper.

At step 171, the operating procedure display 22 displays an instruction to remove the bankbook, and the bankbook is returned to the bankbook insertion slot 37.

When the customer pulls out the bankbook and it is determined in step 172 that the bankbook has been removed, the operating procedure display 22 displays an instruction to remove the card and returns the card to the card insertion slot 35 in step 173.

When the customer removes the card and it is determined in step 174 that the card has been removed, in step 175 the operating procedure display 22 displays an instruction to remove the slip, and the slip is discharged into the bill slip receiving slot 36.

When the customer picks out the slip and it is determined in step 176 that the slip has been taken out, the main control unit 41 resets each unit 42, 44, 45 to its initial state and terminates the automatic card payment transaction 7E.
do.

Although transaction processing such as balance inquiry and bookkeeping is not shown in the above-mentioned embodiment, inquiries are made to the center as appropriate.

[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 processing device, 35... card insertion slot, 37... passbook insertion slot, 42... panel control unit, 41... main control unit, 44... passbook printing unit, 45... slip issuing unit, 5
8...Monitor panel control section, 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 automatically and an automatic transaction mode in which a specified transaction is automatically executed can be selectively set. When the specified data is recorded and the recording medium is provided, if the automatic transaction processing device is in the normal transaction mode, after one of the plurality of transaction processing is selected by the transaction selection means, the selected A transaction processing method for an automatic transaction processing device that automatically executes a transaction designated by transaction designation data on a recording medium if the automatic transaction processing device is in an automatic transaction mode.