JPH0330902B2 - - Google Patents

Description

[Detailed Description of the Invention] This invention provides deposits,
The present invention relates to a composite transaction processing method in a transaction processing device used for transactions such as withdrawals.

There are two types of transaction processing devices of this type: those used by tellers and those operated by customers themselves.
Only one transaction, either a deposit or a withdrawal, can be made for one account. However, if you withdraw the required amount of cash from an account,
There is often a desire to perform multiple transactions at once, such as depositing some or more of this cash into another account.
In such cases, with conventional transaction processing devices, it is necessary to first process a withdrawal (withdrawal) and actually receive the cash, and then perform another transaction process of a deposit (deposit) using this cash. , transaction processing operations were extremely tedious.

The present invention provides a composite transaction processing method in a transaction processing device that can process multiple transactions with one cash injection or one cash withdrawal when one customer performs deposit/withdrawal transactions for multiple accounts. The purpose is to provide

Hereinafter, the composite transaction processing method of the present invention will be explained in detail with reference to the drawings.

FIG. 1 shows the external appearance of the transaction processing device.
This transaction processing device 1 is installed at a cutout part of a counter 2 installed in a bank store or at a counter 2.
or adjacent to the counter 2 on the teller T side. Then, the customer C and the teller T face each other with the transaction processing device 1 in between, and the transaction progresses through mutual operations by both parties. Transaction processing device 1
includes a teller transaction data display 3, a teller keyboard 4, a passbook insertion slot 5, a slip insertion slot 6, a paper input slot 7, a paper return slot 8, a paper output slot 9, a coin slot 11, and a coin slot. Return port 12 and coin discharge port 13
is provided. As the display 3, a CRT display, a plasma display, or the like is used. Since a CRT display device is used in this embodiment, the display device 3 will be abbreviated as CRT hereinafter. In this embodiment, transactions using paper and coins are possible.

FIG. 2 shows an outline of the internal configuration of the transaction processing device 1. As shown in FIG. Transaction processing is controlled by a central processing unit (eg, microprocessor, hereinafter referred to as CPU) 10. The CPU 10 includes a PROM 14 that stores the program, and a RAM 15 that stores various transaction data and is provided with a register group to be described later. The CPU 10 has a CRT 3, a keyboard 4,
Paper money deposit machine 21, paper money withdrawal machine 22, coin deposit machine 2
3. It is equipped with a coin dispensing machine 24 and a form printing machine 25 for printing on passbooks and slips. Further, the transaction processing device 1 is provided with a line control device 26, and exchanges transaction data with the center via the line control device 26. In FIG. 2, the interfaces of each input/output device and the control circuit of the CRT 3 are omitted.

FIG. 3 shows an outline of the paper deposit machine 21.
The paper deposit machine 21 has a paper deposit slot 7 and a paper deposit slot 7.
A paper inlet path 31 for discharging the paper defects by a discharging roller 46 and transporting them to the temporary storage mechanism 33; Our identification device 32, identification device 32
a temporary storage mechanism 33 for temporarily storing paper defects that are determined to be legitimate paper defects; and a deposit paper waste storage box 3 for storing the paper defects in the temporary storage mechanism 33 after each process.
4. A paper return port 8, a first port for transporting paper waste from the temporary storage mechanism 33 to the return port 8 in the event of a transaction failure, etc.
It is comprised of a paper waste return path 35 and a second paper waste return path 36 for returning paper waste that cannot be determined by the discrimination device 32 to be genuine paper waste. Inlet port 7
The return port 8 is provided with shutters 41 and 42, an open/close state detector 43 for the shutters 41 and 42, a paper waste detector 44, and a paper waste removal detector 45, respectively. The shutters 41 and 42 are opened and closed automatically and can also be closed manually. The paper waste transport paths 31, 35, and 36 are all constituted by belts that sandwich the paper paper on both sides in the width direction along its longitudinal direction, and paper waste passage detectors 47 are provided at appropriate locations. The belt is wrapped around a number of pulleys. By monitoring the time required for the paper to pass between the passage detectors 47 using a timer or the like, it is possible to detect a jam in the paper. A conveyance path switch 48 is provided at a location where the second return path 36 branches from the carry-in path 31.
The second return route 36 joins the first return route 35 midway. The temporary storage mechanism 33 is located below the carry-in path 31 and holds paper waste on a belt hung on a pulley, and is provided with an arm 49 to prevent the paper paper from falling. When returning temporarily stored paper scraps, this belt moves around point Q as a fulcrum and pinches the paper scraps between it and the belt on the carry-in path 31.
Send out that paper. In addition, in the temporary storage mechanism 33, by pressing down from above the central part of the paper waste, which is supported by belts on both sides, the paper waste is stored in the storage box 33.
4, and a storage paper failure detector 51. The maximum number of paper sheets (NS) that can be stored in the temporary storage mechanism 33 is, for example,
It is predetermined to be 50 pieces. Paper storage box 34
is provided with an excess paper detector 52 that detects when the amount of paper in the box 34 has become so large that it overflows. In the configuration shown in FIG. 3, all kinds of paper waste are stored in the temporary storage mechanism 33, and the storage box 3
However, it is preferable to provide a temporary storage mechanism and storage box for each type of paper waste. Further, if necessary, a paper waste input slot and a paper waste deposit machine may be provided for each type of paper waste.

FIG. 4 shows an outline of the paper dispensing machine 22.
The paper dispensing machine 22 has dispensing paper boxes 61 to 64 each storing a large number of 10,000 yen, 5,000 yen, 1,000 yen, and 500 yen bills, and a specified number of paper bills from each storage box. A feeding mechanism 65 that feeds out and conveys paper waste, a temporary storage mechanism 66 that temporarily stores the fed paper waste, a paper waste discharge port 9, and a paper waste discharge mechanism that sends out temporarily stored paper waste to the paper discharge port 9 in bulk. It is composed of an unloading path 67. Each of the storage boxes 61 to 64 is equipped with an out-of-paper detector 68 that detects when the amount of stored paper is running low. The feeding mechanism 65 is provided with a blank feed detector 71 that detects that a sheet of paper is not fed out, and a two-sheet detector 72 that detects that two or more sheets of paper are fed out at the same time. The temporary storage mechanism 66 has almost the same structure as the mechanism 33 shown in FIG. 3, and includes a stored banknote detector 73. The discharge port 9 is provided with a shutter 74, a shutter open/close state detector 75, and a paper waste removal detector 76. In this dispensing machine 22 as well, a paper pass detector 77 for detecting a jam is provided at a suitable location on the conveyance path. Coin deposit machine 23 and coin dispensing machine 24
Since they have almost the same configuration, illustration thereof will be omitted.

FIG. 5 shows the keyboard 4. Arranged on the left half of the keyboard 4 are transaction setting keys consisting of transaction item keys arranged in two vertical columns and transaction type keys arranged in three vertical columns. These five columns of keys are designated as 1st to 5th digits in order from the right column. Also, add 1 to each of the 9 keys in each row, starting from the bottom.
Assign a code number from ~9. Only one of the nine transaction setting keys for each column is pressed. The set transaction is then represented by a five-digit number. For a column in which all nine keys are not pressed, the number in that column is 0.
Each transaction setting key is provided with an indicator light P. These indicator lights P light up when the corresponding key is pressed and go out when the transaction is completed or another key in each column is pressed.

The right half of the keyboard 4 is provided with numeric keys and function keys including combination, overaccumulation prohibition, cash counting, confirmation, screen request, cash return, change, and completion keys. Numeric keys include 0-9
In addition to the numbers, it includes a 000 key, a dot key, and an enter key for entering thousands. Indicator lights P are also provided for the combination, excessive storage prohibition, and current cash count keys, and these indicator lights P turn on when the keys are pressed and go out when the keys are pressed again. Pressing the key whose indicator light P is on again means resetting the function of that key, as will be described later. Let me briefly explain the functions of some function keys.

Composite key This key is used to perform multiple deposit and withdrawal transactions with one cash injection or cash withdrawal. When the composite key is pressed, all cash input into the deposit machine is accepted except for defective ones, and the amount due is not paid. Then, in the case of a withdrawal transaction, the withdrawal amount is added to the payment balance R (described later), and in the case of a deposit transaction, the deposit amount is subtracted from the payment balance R, and when the composite key is reset, the payment balance R is withdrawn. Released by machine.

Excessive storage prohibition key This key is used to return cash exceeding the deposited amount when the amount of cash exceeds the deposited amount is inserted into the deposit machine during a deposit transaction. If the excessive storage prohibition key is pressed, it waits for the transaction amount to be entered, and after the transaction type is entered, it begins to identify and count the cash that has been inserted into the deposit machine, and then checks the cash that has been successfully identified. The cash is temporarily stored as long as it is within the transaction amount, and when it exceeds the transaction amount, the excess cash is returned.

Even if the overaccommodation prohibition key is pressed, if the composite key is pressed, all the correctly classified cash is temporarily stored, and only the poorly classified cash is returned.

Cash Counting Key This key restricts the function of the deposit machine to only identifying and counting cash. When the cash counting key is pressed, the cash inserted into the input slot of the deposit machine is identified and counted, and if it is genuine cash, it is returned to the return slot via the second return path, and only cash that has been misidentified is temporarily stored. store. It also displays the cumulative total of cash that has been successfully identified. Finally (after extracting normal cash), the temporarily stored unidentified cash is returned.

FIG. 6 shows the contents of the RAM 15.
The RAM 15 includes an area for storing keyed-in account numbers, bankbook print lines and balances, an area used as a flag for storing pressed transaction setting keys, an area used as a flag for storing pressed function keys, An area (1 is the cursor position) for storing the next line to be input (cursor position) from the 2nd line to the 11th line on the display screen of the CRT 3 (described later), a deposit machine 21, and a dispensing machine 22. An area used as a temporary storage counter to count the number of paper sheets stored in the temporary storage mechanisms 33 and 66 of There is an area for storing the cumulative total of classified cash, a totaling area, and an area used as a register group. The register groups include the following: Here, R is an abbreviation for register, and IR indicates an auxiliary register for redo operation.

Transaction Setting R Stores the transaction keyed in using the transaction setting key. It is set by pressing the screen request key.

Transaction Setup IR Stores transactions keyed by the Transaction Setup key. It is set every time the transaction setting key is pressed.

Received amount R Stores the amount received from the customer. Every time the cash is recognized by the deposit machine, the amount is added. The contents are cleared after the center communication.

Temporarily stored amount R The deposit machine identifies the amount and stores the temporarily stored amount. Every time the cash is recognized by the deposit machine, the amount is added. Cleared when temporarily stored cash is stored or returned.

Transaction amount R Stores the transaction types for deposit and withdrawal transactions. It is set when the transaction amount is keyed in by the teller, and cleared after communication with the center.

Change R Stores the amount of change in deposit transactions. It is set by pressing the change key.

Withdrawal Amount R Stores the amount to be paid to the customer. After communication with the center, the change amount for deposit transactions, the transaction amount for payment transactions, etc. are automatically set, and in the case of cancellation transactions, key input data is set.

Withdrawal Amount IR This is a work register to correctly calculate the balance of payment.

Remaining Payment R In a compound transaction, the result of adding and subtracting the transaction amount for each transaction is stored, and the amount of the remaining payment R is paid to the customer at the end of the compound transaction.

Release amount R Memorize the amount to be withdrawn from the withdrawal machine.

Count amount R Stores the amount counted by the dispensing machine. Release amount is 1
If the amount exceeds the amount that can be counted (discharged) at one time, the amount to be counted at one time is set.

Receipt tally R Used to tally the amount of money correctly deposited by the deposit machine.

Discharge tally R Used to tally the amount normally disbursed from the dispensing machine.

The transaction processing procedure of such a transaction processing device is shown in FIGS. 7 to 16. Below is an example of a complex transaction in which one customer withdraws 90,000 yen from a savings account, then cancels a 10,000 yen time deposit (interest is 1,000 yen), and then deposits 110,000 yen into a current account. I will explain about it. In this case, the amount the customer should receive is 90,000 yen + 10,000 yen + 1,000 yen = 100,000 yen, and the amount to be deposited is 110,000 yen, so the customer must deposit 9,000 yen. Therefore, the customer hands over 10,000 yen to the teller and receives 1,000 yen as change at the end of the complex transaction. FIG. 17 shows the contents of each register corresponding to the operations performed by the teller and each processing step in this example. In this figure, the customer may insert and remove paper waste.

The customer shall fill in his or her own account number and name, as well as the deposit amount and payment request amount, on the deposit slip and withdrawal slip for the three transactions mentioned above, and affix his or her seal in the required places to submit these deposit and withdrawal slips. He handed Teller his passbook and 10,000 yen in cash. After checking the seal on the slip and passbook, the teller performs the next transaction process.

Referring to FIG. 7, an initial screen is displayed on the CRT 3 (step 101). In this example,
Nothing is displayed on the initial screen. The teller first presses the compound key, so steps 102 and 10
Step 3 is NO, step 107 is YES. Since this compound key has not been pressed, step 108
If NO, proceed to step 109 and RAM1
Set the composite key flag in the function key flag storage area No. 5. As shown later, when the compound key is pressed again, YES is returned in step 108, so the compound key flag is reset in step 1.
10. In FIG. 7, steps 107 to 110 particularly show the complex key set and reset processing, but exactly the same processing is performed for the excessive storage prohibition and cash counting keys.

The teller then presses the "Normal" and "Withdraw" keys to set up the transaction, so in step 102
NO, step 103 becomes YES. Since the ordinary key has the fifth digit and the code number 1, and the withdrawal key has the first digit and the code number 4, the number representing the set transaction is 10004. This number is set in the trade setup IR (step 104). Next, the teller presses the screen request key, so step 10
2 is YES, the contents of the trading setting IR are transferred to the trading setting R (step 105), and trading guidance is displayed on the CRT 3 (step 106).

An example of this trading guidance display is shown in FIG. The first line displays the details of the set transaction. The 2nd to 11th lines are columns for displaying various transaction data, and in step 106, these data items, such as account number and bankbook line (last printed line or line to be printed) are displayed.
Only the characters in (second line) and brackets [ ] indicating the location where the data is displayed are displayed, and the data is not displayed yet. Additionally, a cursor (CU) is displayed in the lower right corner of the item in which data should be entered next. This cursor (CU) sequentially moves to the next data item to be input each time a data key is input. The 12th line is a message field.

While viewing this display, the teller performs key input operations for data, which will be described later, operations to set slips and bankbooks into the respective insertion slots 6 and 5, and operations to set cash (this operation is not necessary at first). Each of these operations may be performed in any order, but the completion key is pressed last. If each operation is completed and the screen request key is not pressed again (step 111), the process moves to step 112. As will be clear from what will be described later, the screen request key is used as an input for canceling key-input data or resetting each operation. Therefore, if the screen request key has been pressed (YES in step 111), the operation is redone. The flag that remembers that the screen request key has been pressed again is stored in RAM1 as described above.
5, and the contents of this flag are checked in step 111.

In step 112, it is checked whether the transaction is a deposit transaction based on the contents of the transaction setting R, and if it is a deposit, a zero proof check is performed as described later (steps 114, 115), and the process moves to sensor communication (step 116). ). If the transaction is not a deposit,
Check whether the compound key has been pressed (step 11)
3). In this example, since the compound key has already been pressed, YES is returned in step 113, and the process moves to sensor communication. If NO in step 113, check whether the content of the received amount R is 0 (step 119),
If it is 0, the process moves to center communication, and if it is not 0, an error occurs. Since the amount received by the deposit machine is stored in the received amount R, it is generally impossible for the content of the received amount R to be non-zero in a withdrawal transaction. If you first set up a deposit transaction and insert cash, and after the deposit machine has accepted the cash, you wish to cancel the deposit transaction, the teller must press the Request Screen key to redo the operation, and then press the Return key. Cash received must be returned. When cash is returned (FIG. 9, step 177), the returned cash amount is subtracted from the contents of the received amount R (this process is not shown), so the contents of the received amount R become zero.
However, if the cash return process is forgotten, the contents of the received amount R will not become 0, and an error will occur in step 119, so the teller will notice this.

The center is provided with a customer-specific information file that stores the account number, name and balance for each customer. When a message containing transaction data is transmitted from the transaction processing device, the center searches the file and checks the existence of an account and other items to determine whether the transaction is possible, such as whether the withdrawal amount is less than the balance. do. This result is then transmitted to the transaction processing device.

If the transaction is possible (in step 117)
YES), number of transactions, total amount of each transaction, etc.
The data is totaled in the RAM 15 (step 118), and various processes such as authentication printing on the deposit slip (for example, printing of transaction date, account number, etc.), printing of transaction data on a passbook, and cash payment are performed. After this, unless the transaction is a complex transaction, the teller stores the printed slip as a copy, hands the bankbook and cash to the customer, and completes the transaction. If the transaction is not possible (in step 117)
NO) and in the case of an error in step 119, an error message is displayed on the CRT 3 (step 120), and if the confirmation key is pressed (step 121), the process returns to step 106 and the data is
Key input operations, etc. will be redone. Step 12
1 to step 101.

Since this example is a compound transaction, no cash is actually released in the cash payment process, as will be shown later.
The teller then proceeds with the term deposit cancellation process.

FIG. 8 shows details of the data key input process. After the guidance is displayed in step 106, the teller performs key input operations for the account number, bankbook line, and balance. Referring to Figure 8, CRT
Since the cursor (CU) is displayed at the account number on the screen in step 3, the teller first inputs the account number using the numeric keypad (step 13).
1). Then, this input account number will be displayed in [ ] (step 132),
The data is stored in the RAM 15 (step 133).
Cursor (CU) by this data key input
will move to the bankbook line, so the teller will key in the bankbook line in the same way, and then key in the balance. These data are displayed on the CRT 3 (see FIG. 18) and stored in the RAM 15 (steps 131 to 133 are repeated). If these data are recorded on a magnetic stripe attached to the cover of the passbook, a magnetic stripe reader is placed inside the passbook insertion slot 5 and read by this stripe reader. CRT
3 can also be displayed.

When the above data input is completed, the cursor (CU)
has been moved to the transaction amount on the fourth line. In this example, the initial transaction amount is 90,000 yen (withdrawal). The teller then inputs 90,000 yen using the numerical keys (step 131). Then, this transaction amount will be displayed on the fourth line of CRT3 (step 132).
(See Figure 18). Step 13 for transaction amount
Processing 3 is omitted. Next, the teller presses the ENTER key (step 134), and the key-input transaction amount is set to the transaction amount R (step 1).
35,136).

By key-inputting the transaction amount, the cursor (CU) on the CRT3 screen is displayed at the required location on the 5th line. If there is no need to enter the required and value date data, the teller presses the enter key to skip these entries. If the starting date data is not entered, the date on which the transaction is conducted will be treated as the date. In a withdrawal transaction, the acceptance type on the 6th line, the teller amount on the 7th line, and the change amount on the 8th line are irrelevant. The cursor (CU) moves to the withdrawal amount on the 9th line. In addition, teller storage and teller withdrawal means that the teller directly stores or withdraws cash using his own cash storage box without using a deposit machine or withdrawal machine. When you key in the amount and teller withdrawal amount, these amounts will be displayed on the 7th and 11th lines of the CRT3. However, the explanation is omitted here.

Although the change key is not used for withdrawal transactions, it will be briefly explained. When the change key is pressed (step 137), if the transaction is a deposit (step 138) and the transaction amount has already been input (step 139), change is calculated using this transaction amount (step 140). , the calculated change amount is displayed on the 8th line of the CRT 3 (step 141).

The transaction type may be reset using the transaction setting key during the data key input operation. This occurs when the type of transaction is changed during the operation. Once the transaction is reset (step 14)
2), the set transaction is set in the transaction setting IR (step 143).

When re-entering data and after resetting the transaction (step 142), the screen request key is pressed (step 144). In this case, the fact that the screen request key was pressed is stored in the flag of the RAM 15, the transaction amount R and change R are cleared (step 145), and the contents of the transaction setting IR are transferred to and stored in the transaction setting R. (Step 14)
6) Display trading guidance on the CRT 3 (step 147). After this process, step 11
Since 1 is YES, each operation (at least data input operation) is re-performed. Steps 142-147 are steps 102-106 described above.
This is almost the same process.

The completion key is pressed when all operations are completed (step 148).

The above is the data key input process. The slip set and passbook set processes are not very important, so they will be discussed last. Since the first transaction is a withdrawal, no cash is set. In FIG. 7, each process after step 106 is completed and the process returns to step 11.
If NO in step 1, the process moves to center communication via steps 112 and 113 (step 166), and if the transaction is possible (step 117), proceeds to step 118 and then proceeds to the processing of slip printing, passbook printing, and cash payment. . The slip printing and bankbook printing processing will be explained last. The procedure for cash payment processing is the 11th step.
As shown in the figure.

In FIG. 11, the content of transaction setting R is withdrawal (step 201), NO, step 202.
If the transaction amount has already been set (YES in step 208), the contents of the transaction amount R will be set as the withdrawal amount.
The remaining payment amount is calculated by transferring the amount to the IR (step 209), adding the contents of the withdrawal amount IR to the contents of the remaining payment amount R, and further subtracting the contents of the withdrawal amount R (step 210). In this example, the transaction amount is 90,000 yen, so the content of the withdrawal amount IR is also 90,000 yen, and the payment balance R
Since both the contents of the withdrawal amount R and the withdrawal amount R are 0, the remaining payment amount is 90,000 yen. Withdraw amount R in step 210
The reason for subtracting the contents is to deal with the correction of the withdrawal amount, which will be described later. After this, the contents of withdrawal amount IR are transferred to withdrawal amount R (step 211),
The withdrawal amount to CRT3 is 90,000 yen (line 9)
and the denomination is 9 10,000 yen bills (line 10)
is displayed (step 212) (see FIG. 18).
When the teller sees this display and presses the confirmation key (NO in step 213, YES in step 214),
Check whether the payment balance R is 0 (Step 2)
12). Since the content of the remaining payment R is 90,000 yen, the answer at step 221 is NO, and it is then checked whether the compound key has been pressed (step 222). Since the compound key has already been pressed, select YES in step 222.
The process moves to step 226 without performing the cash release process, and the transaction amount R and withdrawal amount R are cleared (step 226). In this way, if the composite key is pressed, no cash dispensing process is performed even if there is an amount to be paid. The content of the remaining payment R is 0.
In this case (YES in step 221), since the amount to be paid is 0, the cash release process is naturally not performed. The cash release process will be described later.

In the withdrawal confirmation display in step 212, the teller can correct the withdrawal amount using the numerical keys if the withdrawal amount is different, and can also correct the denomination if necessary (step 213). ). CRT
The denomination displayed in 3 is determined so as to release the minimum number of denominations. Therefore, although it is not directly related to this example, if you wish to exchange and release 10,000 yen out of 90,000 yen, you can use this step 2.
13 can also be used to set the desired denomination. On the keyboard 4, the denomination setting key is omitted. Key input data using numerical keys is CRT3
is displayed (step 215), then press Enter.
When the key is pressed (step 219), the corrected withdrawal amount is set in the withdrawal amount IR (step 220). Even when the withdrawal amount is corrected in this way, the remaining payment amount is calculated again in step 210, but at this time, the erroneous withdrawal amount that has already been transferred to the withdrawal amount R (step 211) is subtracted. , an accurate balance is calculated.

This completes the first transaction of the composite transaction, that is, the withdrawal process of 90,000 yen from the savings account.

The teller then proceeds to cancel the term deposit. The compound key remains pressed. The teller first sets up a transaction (FIG. 7, step 103) and presses the screen request key (step 102). Due to this,
The number representing the set transaction is first displayed in the transaction setting.
It is set to IR (step 104) and then transferred to transaction setting R (step 105). The subscription key is the 5th digit and the code number is 4, the cancellation key is the 3rd digit and the code number is 8, and the withdrawal key is the 1st digit and the code number is 4, so it represents the set transaction. The number is 40804.

The teller then performs data key entry and bill and passbook set processing. In the data key entry process (Figure 8), the teller enters the account number and bankbook line, so these data are
Displayed on CRT3. Since it is a periodic cancellation,
There is no need to key in balances and transaction amounts. When the teller presses the completion key, the process moves through steps 111, 112, and 113 in FIG. 7 to center communication (step 116). If the transaction is approved through communication with the center (step 117), each transaction is tabulated (step 118), and the process proceeds to slip printing, passbook printing, and cash payment processing.

In the cash payment process (Figure 11), step 20
The process proceeds to step 208 via step 1,202. Since the transaction amount has not been set yet, proceed to step 208.
The answer will be NO. In the case of cancellation, the cancellation fee including interest will be transmitted from the center through center communication.
Displayed on CRT3. In this example, the term deposit is 10,000 yen and the interest rate is 1,000 yen, so the cancellation fee is 10,000 yen.
It will be 1,000 yen. Also, a message to enter the withdrawal amount by key is displayed on the 12th line of the CRT 3 (step 216), so the teller enters the cancellation fee (11,000 yen) as the withdrawal amount (step 21).
7). Then, the entered withdrawal amount is displayed on the CRT 3 (step 218), and when the enter key is pressed (step 219), it is set as the withdrawal amount IR (step 220).

Incidentally, when the cancellation fee is transmitted from the center, the teller may directly set the cancellation fee to the withdrawal amount IR without having to enter the withdrawal amount using a key. Also, if you do not want to calculate interest at the center,
The teller will do the calculations manually and then key in the withdrawal amount, including interest. Further, although not shown in this embodiment, another example in which the transaction amount is transmitted from the center as described above is a case where an exchange fee is calculated for a predetermined deposit amount.

Next, by adding the content of the payment balance R of 90,000 yen and the content of the withdrawal amount IR of 11,000 yen (withdrawal amount R
The content of is 0), a new payment balance of 101,000 yen is calculated and stored in the payment balance R (step 210), and the content of the withdrawal amount IR is transferred to the withdrawal amount R (step 21).
1) Display the withdrawal confirmation (step 212). If the confirmation key is pressed (step 214), the process advances to step 226 via steps 221 and 222.
Clear the contents of transaction amount R and withdrawal amount R.

This completes the term deposit cancellation process.

Furthermore, Teller processes a deposit of 110,000 yen into his current account. Since this transaction processing is the last transaction processing of a composite transaction consisting of a series of transactions, the teller presses the composite key again (Fig. 7, Step 1).
07), the composite transaction processing function is canceled (step 110). The teller then sets up the deal,
Press the screen request key (steps 103, 102).
The current key has the fifth digit and the code number is 2, and the deposit key has the first digit and the code number is 9, so the number representing the set transaction is 20009.

Next, the teller performs data key input, slip set, passbook set, and cash set processing.
In the data/key input process (Figure 8), the teller enters the account number, bankbook line, balance, and transaction amount (110,000 yen).
These data are displayed on the CRT3.
are displayed on the second to fourth lines, and the input transaction amount is set as the transaction amount R (steps 131 to 136). The change key will be described later.

Details of the cash set processing procedure are shown in FIG. Referring to this figure, check whether the content of the transaction setting R is a deposit (step 151). If it is a deposit, press the shutter 41 ( Coin deposit machine 2
3) is opened (step 152).
After the teller inserts the 10,000 yen handed over by the customer into the input slot 7, he manually closes the shutter 41, so the answer is YES in step 153, and the process proceeds to step 154.
But YES. Next, it is checked whether the cash count key has been pressed (step 155), and whether the compound key has been pressed (step 156), and since both are NO, it is then checked whether the overaccumulation prohibition key has been pressed (step 156). 157) Since this key has not been pressed, the process proceeds to the cash storage process without making the determination in step 158.

Referring to FIG. 10, in the cash storage process, the paper that has been inserted into the slot 7 is taken in one by one and judged by the discrimination device 32 (step 181). As a result of the identification, if the paper is a genuine defect (step 182)
(YES), checks whether the number of paper sheets stored in the temporary storage mechanism 33 has reached the maximum number (NS) based on the contents of the temporary storage counter (step 183), and if it has not reached the maximum number (NS). Next, the status of the composite key and the excessive storage prohibition key is checked (steps 184 and 185). Since neither the compound key nor the over-storage prohibition key has been pressed, the
NO, Step 185 returns NO, Step 1
The identified paper defect is stored in the temporary storage mechanism 33 without making the judgment in step 86, and the contents of the temporary storage counter are incremented by 1 (step 187). Then, the amount of paper loss that has been identified is added to the temporary storage amount R and the received amount R (steps 188 and 18).
9) Check to see if there is any paper waste remaining in the input port 7 (step 190). If there is paper waste left in the input port 7, return to step 181 and repeat the same process.
The paper waste is separated one by one and temporarily stored, and the amount of paper waste is added to the temporary storage amount R and the received amount R. After repeating steps 181 to 190 50 times, the number of temporarily stored sheets reaches (NS), so the answer is YES at step 183, and the 51st sheet is returned to the return slot 8 through the second return path 36 ( Step 195). Any paper that cannot be determined by the identification device 32 to be a genuine paper is also returned (steps 182, 195). When there is no paper waste in the input slot 7 (NO in step 190), if there is paper waste in the return slot 8, it is removed (step 191,
192), the content of the received amount R is displayed on the sixth line of the CRT 3 (step 193). In this example, the paper waste inserted into the input slot 7 is 10,000 yen, so if this paper waste is a regular paper waste (step 182), the contents of the temporary storage amount R and the received amount R are 10,000 yen. yen (steps 188, 189), and 10,000 yen is displayed as the received amount on the 6th line of CRT3 (step 19).
3).

When the teller presses the change key (Figure 8, step 137), the contents of the transaction setting R are deposit (step 138), and the transaction amount of 110,000 yen has already been entered using the key (step 139), so the teller presses the change key (step 137 in Figure 8). Calculate (step 140). In this example, the amount received is 10,000 yen, the amount paid is 101,000 yen, and the transaction amount is 110,000 yen, so change = amount received + remaining payment - transaction amount (1,000) (10,000) (10 1,100,000) (110,000), the change will be 1,000 yen. This change of 1,000 yen is set in change R and displayed on the 8th line of the CRT 3 (step 141).

When the teller presses the completion key (step 148),
This means that the data key input, slip set, passbook set, and cash set processing have been completed.

In step 112 of FIG. 7, the set transaction is a deposit, so this step 112
The result is YES, and the process moves to zero proof check (step 114).

Amount = Received amount + Remaining payment - Transaction amount - Change (0) (10,000) (101,000) (1,000) Therefore, the content of amount R is 0, so step 11
5 becomes YES and you can proceed to center communication. If the change is not calculated because the teller does not press the change key (step 140), an error occurs in this zero proof check.

As a result of the communication with the center, if the transaction is possible (step 117), each transaction is totaled in the RAM 15 (step 118), and the process proceeds to printing of slips, printing of bankbooks, and cash payment processing.

In Figure 11, since the content of the transaction setting R is a deposit (YES in step 201), the content of the received amount R (10,000 yen) is added to the content of the payment balance R (101,000), and the transaction A new payment balance is calculated by subtracting the contents of the amount R (110,000) and is stored in the payment balance R (step 203). This new balance is equal to the change. Then, the contents of the temporary storage amount R, 10,000 yen, are added to the contents of the storage total R to be totaled (step 204), and the received amount R, transaction amount R, and temporary storage amount R are cleared (step 205). If there is any paper waste stored in the temporary storage mechanism 33 (step 206), it is stored in the storage box 34 (step 207). Since the content of the remaining payment R is not 0 (NO in step 221) and the composite key has been reset (NO in step 222), the process proceeds to step 223, and in order to prepare for the cash release process,
Transfer the contents of the payment balance R to the withdrawal amount R (Step 2)
23), clear the payment amount R (step 224),
The contents of the withdrawal amount R are transferred to the disbursement amount R (step 225), and a cash disbursement process is performed. After the cash release process is completed, the transaction amount R and the withdrawal amount R are cleared (step 226).

Details of the cash release process are shown in FIG. First, it is checked whether the entire cash amount R can be released (step 231). Specifically, it is checked from the contents of the RAM 15 whether the dispensing machine 22 is out of paper or whether a failure has occurred in the dispensing machine 22. If a failure occurs in the dispensing machine 22, it is checked whether the content of the disbursed amount R is 0 or not. If the full amount can be released, a message to confirm the release is displayed on the 12th line of CRT3 (step 232). When the confirmation key is pressed (step 233), if the contents of the disbursed amount R are not 0, the amount to be disbursed by the dispensing machine 22 is set to the counted amount R (step 235). The maximum amount of paper that can be stored in the temporary storage mechanism 66 of the dispensing machine 22 is also determined, and is, for example, 50 sheets.
If the amount released exceeds the amount of 50 sheets of paper, 2
It is decided that the money is to be released in more than one time, and at the time of the first release, the maximum amount that can be released in one time is set as the counted amount R (step 235).

When the discharge amount is set to the counted amount R, the storage box 6
Paper waste is fed out one by one from any one of pages 1 to 64 and temporarily stored in the temporary storage mechanism 66, and the number of fed out paper waste is counted (step 236). In this process, it is checked whether an error that makes it impossible to continue dispensing, such as a blank dispensing or a jam, has occurred (step 237), and if there is no error, it is checked whether dispensing of the amount set in the counted amount R has been completed. Check, if not completed, step 2
Return to step 36 and repeat the above process (step 2).
38). If an empty or jam occurs,
If the paper feed is repeated a required number of times (for example, three times) and the paper is still empty or the jam is not cleared, an error is determined in step 237.

When the paper waste of the counted amount has been fed out, the paper waste from the temporary storage mechanism 66 is transferred to the paper waste discharge port 9 via the paper waste delivery path 67.
(step 239) and the shutter 74 is opened. Check to see if any paper jams or other transport errors occurred during this paper transport process (step 24).
0), if there is no conveyance error, the printer waits for the ejected paper to be removed by the teller from the ejecting port 9 (step 241).

When the discharged paper is removed, the contents of the count amount R are subtracted from the contents of the discharged amount R, and the result of this subtraction is used as the new discharged amount (step 242). This process is
This is effective when the amount released exceeds the maximum amount that can be released at one time. Next, release the contents of the counted amount R
is added to total (step 243), and the process returns to step 234. If the content of the release amount R is 0 in step 234, this means that the release of the remaining amount to be released has been completed. If the content of the discharge amount R is not 0, the amount to be discharged for the second time is set to the counted amount R, and the waste discharge process is repeated in the same way.

If the full amount cannot be discharged in step 231, that is, the storage boxes 61 to 64 are out of paper or there is a failure in the dispensing machine 22 and the discharge amount R≠0, and if an error occurs in steps 237 and 240. Then, on the 12th line of the CRT 3, a message indicating that ejection is not possible or the ejector has failed is displayed (steps 245, 246), and error handling is performed (step 247). In these cases, it is impossible for the dispenser 22 to dispense cash, so the teller will have to pay.

In this example, since the release amount R is 1,000 yen, the counted amount R is set to 1,000 yen (step 2).
35), one thousand yen bill is dispensed from the storage box 63 and discharged into the discharge port 9 (steps 236 to 239).
Furthermore, through the process of step 242, the content of the release amount R becomes 0, and through the process of step 243, 1,000 yen is added to the release total R.

The teller pulled out 1,000 yen in cash from outlet 9.
This thousand yen and three types of passbooks with transaction data printed on them are handed over to the customer, the printed slips are stored, and the complex transaction is completed.

In FIG. 9, steps 161, 163 and 176 are for synchronizing the data key input process (FIG. 8) and the cash set process. As mentioned above, the screen request key is used when redoing the key input operation (step 144), and the completion key is used when the key input operation is completed (at this time, the bankbook, slip, and cash set processing has also been completed). is pressed (step 148). The fact that these keys have been pressed is stored in the RAM 15 as a flag. At step 161
If YES and NO in step 154, proceed to step 170. If YES in step 163, it is checked to see if there is any paper damage in the input port 7 (step 164), and if there is no paper damage, the shutter 41 of the input port 7 is automatically closed (step 165).
Proceed to step 170. If the cash count key has not been pressed at step 170, the process proceeds to step 175, and if the cash return key has not been pressed, the process proceeds to step 176. If the screen request key or completion key is pressed, the cash setting process ends.

The cash return key is pressed when requesting the return of paper money stored in the temporary storage mechanism 33. If YES in steps 162 and 175, the process advances to step 177. If YES in step 167, check to see if there is any paper damage in the input port 7 (step 168), and if there is no paper damage, close the shutter 41 of the input port 7 (step 169), and then proceed to step 17.
Proceed to step 7.

Although detailed illustration of the cash return process (step 177) is omitted, in this process, it is first checked from the output signal of the stored paper waste detector 51 whether or not paper waste is stored in the temporary storage mechanism 33. If there is a problem, a message indicating that the cash will be returned is displayed on the 12th line of the CRT 3, and the stored paper is carried out to the return slot via the first return route 35. When the paper waste in the return slot 8 is removed, the contents of the temporary storage amount R are subtracted from the contents of the received amount R, and the contents of the temporary storage amount R are cleared.

If the cash counting key is pressed, the answer is YES in step 155, and the process moves to cash counting processing (step 259). This cash counting process is also omitted from illustration, but in this process, the paper that has been inserted into the input slot 7 is taken in one by one and judged by the discrimination device 32. The paper waste is returned to the return slot 8 via the second return path 36. This paper fault discrimination and return process is repeated until there is no paper waste in the input port 7. If the identification device 32 cannot determine that the paper is a genuine defective paper, the paper is stored in the temporary storage mechanism 3.
Store in 3. When all paper defects in the input slot 7 have been identified, the shutter 42 in the return slot 8 is opened. When the teller pulls out cash, the 12th line of CRT3 displays the cumulative cash amount for identification.

With this, the cash discrimination and counting process is completed, and the process proceeds to step 152. When the opened shutter 41 is closed again by the teller (step 153), there is no cash in the slot 7, so the process moves from step 154 to step 170. Since the cash count key has already been pressed, the answer at step 170 is YES. If defective paper is stored in the temporary storage mechanism 33 (YES in step 171), a message indicating that the defective cash is to be returned is displayed on the CRT 3 (step 172), and the temporarily stored cash is sent through the first return path 35 to the return slot. Return it to 8.
The shutter 42 is opened (step 173). If the teller extracts this returned paper error (step 174),
The process of FIG. 9 ends.

In a deposit transaction, if the composite key is not pressed (NO in step 156) and the excessive deposit prohibition key has been pressed (YES in step 157),
Wait until the transaction amount (deposit amount) is entered by key (step 158). This is because the prohibition on overstorage is meaningful only when the transaction amount is fixed.

In the cash storage process shown in FIG. 10, if the compound key is not pressed (NO in step 184) and the excessive storage prohibition key has been pressed (step 18
5) Proceed to step 186 to capture paper defects,
For each discrimination, the details of the received amount R and the details of the transaction amount R are compared. Then, the content of the received amount R is the transaction amount R
If the content exceeds that, the remaining paper is not temporarily stored and is returned to the return slot 8 via the second return path 36 (step 195). Therefore,
For example, the transaction amount is 85,000 yen, but the transaction amount is 10,000 yen by mistake.
If you put 10,000 yen (10 sheets of 10,000 yen paper) into the input slot 7, only 90,000 yen will be stored in the temporary storage mechanism 33.
10,000 yen is returned to return slot 8. Then, 5,000 yen becomes change (step 140).
In this way, even if you accidentally insert more paper than the transaction amount, if you press the excessive storage prohibition key, the excess paper will be returned immediately.

However, even if the overstorage prohibition key has been pressed, if the compound key has also been pressed, YES will be obtained in step 156 in FIG. 9, and steps 157 and 1 will be executed.
The process proceeds to the cash storage process without performing the process in step 58.
Also, in the cash storage process (Fig. 10), step 184 becomes YES, and steps 185 and 1 are executed.
Since the process of 86 is skipped, the excessive storage prohibition function is canceled. As a result, in compound transaction processing, all the cash input is accepted, the withdrawal amount (change) is added or subtracted as the balance for each transaction, and the final balance is output at the end of compound transaction processing. It will be released by the gold machine. Therefore, during normal transactions, the excessive storage prohibition key can be kept depressed at all times. Then, when the combination is taken, it is sufficient to simply press the combination key, and there is no need to cancel the over-accommodation prohibition function by pressing the over-accommodation prohibition key again.

FIG. 13 shows the procedure of slip set processing. When the deposit slip is inserted into the slip insertion slot 6 (step 253), the slip is locked (step 2).
54). If the document is already locked (Step 2)
50), when the screen request key is pressed for redo (step 251), and when the completion key is pressed without inserting a voucher in a transaction that does not use a voucher (for example, an inquiry) (step 5).
For 2), finish the process as is.

FIG. 14 shows the procedure for setting a bankbook. When the passbook is inserted into the passbook insertion slot 5 (step 258), the passbook is carried inside (step 2).
59). If the passbook has already been imported (Step 25)
5), if the screen request key is pressed (step 2)
56), and when the completion key is pressed without inserting a bankbook due to a transaction that does not use a bankbook (step 257), the process ends as is.

FIG. 15 shows the procedure of the slip printing process.
The slip locked in step 254 is brought in and positioned so that the line to be printed faces the print head of the slip printing machine 25 (step 26), and authentication is printed on the slip (for example, transaction date, account number, etc.). (print) (step 261) and insert the slip into slot 6.
(Step 262). Once the slip has been extracted, the process ends (step 263).

FIG. 16 shows the procedure of bankbook printing processing.
After positioning the print line of the passbook brought in in step 259 (step 265) and printing the transaction data on the passbook (step 266), insert the passbook into the insertion slot 5.
(Step 267). Then, once the passbook is removed, the process ends (step 268).

In the above-mentioned example, only the processing for paper loss is shown, but it goes without saying that processing for coins and processing using both banknotes and hard loans are performed in exactly the same way.

The present invention can be applied not only to transaction processing devices used by tellers, but also to automated teller machines operated by customers themselves. At this location, the cash deposit dispensing machine is also provided with a key for inputting the transaction amount.

As described above, the composite transaction processing method in the transaction processing device according to the present invention includes a cash deposit machine that discriminates and accepts cash inserted into the input slot, and a cash deposit machine that counts a specified amount of cash and discharges it to the discharge slot. Withdrawal machine, the first key for inputting the transaction amount for deposit or withdrawal, which is operated to initiate a compound transaction; A second key for setting up a transaction, and a third key for canceling a compound transaction at the beginning of the last individual transaction processing of a series of individual transactions that make up the compound transaction.
key, and a remaining payment storage device that stores the amount to be paid for each transaction in a compound transaction, and when a compound transaction is set up, the amount accepted by the cash deposit machine is added to the remaining payment storage device, and each The deposited amount of the transaction is added to the remaining payment storage device, the deposited amount of each transaction is subtracted from the remaining payment storage device, and if a combined transaction is set for each individual transaction that constitutes a compound transaction, cash is generated from the cash dispensing machine. Discharge is prohibited, and the amount in the remaining payment storage device is discharged by the cash dispensing machine at the final stage of the last individual transaction performed after the composite transaction is canceled by the third key. do.

Preferably, the second key and the third key are shared by one composite key, the first operation of this composite key sets up the composite transaction, and the second operation releases the composite transaction. .

This invention sets a compound transaction by creating a second key at the start of the compound transaction, and sets a third key at the start of the last individual transaction processing of a series of individual transactions constituting the compound transaction. The composite transaction is canceled by key operation.

Then, when a compound transaction is set in each individual transaction that constitutes a compound transaction, the dispensing of cash by the cash dispensing machine is prohibited, and the last individual transaction performed after the compound transaction is canceled by the third key. At the final stage of the transaction, the amount in the remaining payment storage device is released by a cash dispenser.

According to this invention, if the compound transaction is canceled before the start of the last of the individual transactions that make up the compound transaction, this last individual transaction is no longer a compound transaction but a normal withdrawal or deposit. Since this is the same as a transaction, if there is a balance to be released, cash will be released automatically at the end of this last transaction without any operations, making the teller's operations simple and easy. At the same time, the processing routine of the transaction processing device is also simplified.

Further, according to the present invention, when one customer performs deposit/withdrawal transactions for multiple accounts, these multiple transactions can be continuously processed by one cash injection or one cash withdrawal. Therefore, the teller's operation becomes easier and the transaction processing time can be shortened.

[Brief explanation of the drawing]

FIG. 1 is a perspective view showing the appearance of the transaction processing device;
Fig. 2 is a block diagram showing the internal configuration of the transaction processing device, Fig. 3 is a block diagram showing an overview of the paper deposit machine, Fig. 4 is a block diagram showing the outline of the paper cash dispensing machine, and Fig. 5 is a block diagram showing the outline of the paper deposit machine. A plan view showing the keyboard, Fig. 6 is a diagram showing the contents of the RAM, Fig. 7 is a flow chart showing the overall procedure of transaction processing, and Fig. 8 is a flow chart showing the procedure of data key input processing. , FIG. 9 is a flow chart showing the cash set processing procedure, FIG. 10 is a flow chart showing the cash collection processing procedure, and FIG. 11 is a flow chart showing the cash payment processing procedure.
Chart, Figure 12 is a flow chart showing the cash dispensing procedure, Figure 13 is a flow chart showing the slip setting procedure, Figure 14 is a flow chart showing the passbook setting procedure, and Figure 15 is a slip printing Flow chart showing processing steps, No. 16
The figure is a flow chart showing the passbook printing process procedure.
FIG. 17 is a diagram showing the transaction operation procedure and the contents of each register, and FIG. 18 is a diagram showing an example of a CRT display. 3...CRT, 4...Keyboard, 7,11
...Input port, 8,12...Return port, 9,13...
Discharge port, 15... RAM, 21, 23... Deposit machine, 22, 24... Dispensing machine, 32, 61... Identification device.

Claims (1)

[Scope of Claims] 1. A cash depositing machine that distinguishes and accepts cash inserted into an input slot, a cash dispensing machine that counts a specified amount of cash and discharges it to a discharge slot, and transaction amount for deposits or withdrawals. A first key for entering the composite transaction, a second key for setting the composite transaction, which is operated to initiate the composite transaction, and a second key for starting the processing of the last individual transaction in the series of individual transactions that make up the composite transaction. a third key for canceling the compound transaction, and a payment balance storage device for storing the amount to be paid for each transaction in the compound transaction, and when the compound transaction is set, the cash deposit machine accepts the add the amount withdrawn for each transaction to the remaining payment storage, add the amount withdrawn for each transaction to the remaining payment storage, subtract the deposited amount for each transaction from the remaining payment storage, and It prohibits the dispensing of cash by the cash dispensing machine when a transaction is set, and stores the amount in the remaining payment storage device at the final stage of the last individual transaction after the composite transaction is canceled by the third key. A composite transaction processing method in a transaction processing device, which is discharged by a cash dispensing machine. 2. A patent claim in which the second key and the third key are shared by one composite key, the first operation of this composite key sets a composite transaction, and the second operation cancels the composite transaction. A composite transaction processing method in the transaction processing device described in Scope (1).