JPH0336682A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To finish processing within a short time and to sharply improve servicing to customers by allowing a customer to restore the damaged magnetic stripes on a transaction medium by the customer oneself in the automatic teller machine for depositing or drawing cash through a card. CONSTITUTION:When a customer inserts a bankbook on which magnetic stripes are formed into a bankbook insertion port 5, the stripes are displayed on the screen of a visual display device 1 so that the customer can recognize the destruction of information and select whether the destructed information is to be restored or not. When the restoration is necessary, the bankbook is tempo rarily returned to the customer to allow the customer to display data necessary for the restoration on the screen of the device 1, and to recheck the data. When an error is detected in the data, a cancel button is depressed to temporarily stop the processing and the destructed bankbook is inserted from the insertion port 5 into a bankbook entry machine 12, transmitted to a CPU 23 in a center 20 through an I/O control device 16, a MODEM 19, a communication line, a MODEM 21, and a communication control equipment 22, and after correcting the error returned to the customer.

Description

Detailed Description of the Invention (Industrial Field of Application) The present invention relates to automatic transaction devices (A
TM; Auto Teller Machine
) In particular, the present invention relates to an automatic transaction device that is capable of restoring magnetic stripes attached to cards and passbooks even if they are destroyed.

(Prior Art) Conventionally, this type of automatic transaction device handles passbooks, cards, cash, etc., and various problems occur during the printing, reading, writing, and transportation processes.

On the other hand, bankbooks and cards have a magnetic stripe attached to them, and this magnetic stripe usually records the store number, account number, page number, number of lines, and account details.

Therefore, if such a passbook or card is placed in a place where it is affected by strong magnetism, the information on the magnetic stripe may be destroyed.

Passbooks and cards whose magnetic stripes have been destroyed in advance cannot be used in automatic transaction machines. Therefore, in such cases, the bank clerk (bank employee) takes custody of the passbook or card, restores the magnetic stripe ('M1-like stripe information source), and places it at a branch or head office (office center) and sends it to a specific location. This was done using a restoration device (called a window machine), and the bankbook or card was returned to the customer at a later date.

(Problem to be Solved by the Invention) Conventionally, when the magnetic stripe of a bankbook or card is destroyed as described above, the method of dealing with it is that an employee (bank employee) entrusts the customer with the bankbook or card, and then performs a specific reconstruction process. A device is used to restore the magnetic stripe on passbooks and cards (recovery of magnetic stripe information), but if the automatic transaction device is outside the store or is in operation on holidays, the passbook cannot be recovered. If the magnetic stripe information on a card or card is destroyed (magnetic stripe failure), due to the lack of the above-mentioned specific restoration device or the absence of the bank clerk, a customer will have to go to the counter of the branch in charge at a later date to report the destruction of the magnetic stripe. You will have to bring your bankbook or card and have the magnetic stripe restored.

In this case, the clerk (bank employee) keeps the bankbook or card from the customer for a long period of time, then restores the magnetic stripe on the bankbook or card at a later date and returns the bankbook or card to the customer. Therefore, the time it takes to restore the magnetic stripe on a bankbook or card becomes much longer, resulting in poor customer service.

Moreover, the clerk (bank clerk) has to restore the magnetic stripe of the bankbook or card one by one using the specific restoration device, which only increases the time and effort of the clerk (bank clerk).

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to shorten the time taken to restore the magnetic stripe when the destruction of the magnetic stripe attached to a transaction medium is detected, thereby improving service to customers. To provide an automatic transaction device which allows a user (customer) to restore a magnetic stripe himself, thereby saving the labor of a conventional clerk.

(Means for Solving the Problems) The present invention provides a system that is connected online to a center where information related to a customer's transaction medium including magnetic stripe information of the customer's transaction medium is registered, and that has a magnetic stripe. an input means for inputting customer's transaction medium identification information in the case where the magnetic stripe of the customer's transaction medium is destroyed in an automatic transaction device capable of using a transaction medium that has been used for transaction;
The customer's transaction is inserted into a predetermined position based on the magnetic stripe information of the customer's transaction medium sent from the center based on the customer's transaction medium identification information inputted by this manual means. and a restoring means for restoring the magnetic stripe of the medium.

(Function) Therefore, if the magnetic stripe of a customer's transaction medium is destroyed and the customer inputs his or her own transaction medium identification information using the input means, the center side will send data based on the customer's transaction medium identification information. Based on the received magnetic stripe information of the customer's transaction medium, the restoration means can restore the magnetic stripe of the customer's transaction medium inserted into a predetermined position of the automatic transaction device.

Therefore, if the magnetic stripe (recorded information on the magnetic stripe) of the transaction medium is destroyed, especially if this automatic transaction device is installed outside the store or is operated on holidays, the staff will not be able to handle it. Since the customer (user) can restore the destroyed magnetic stripe (recorded information on the magnetic stripe) by himself/herself using the automatic transaction device without any intervention, it is possible to save the time and effort of the conventional staff.

Furthermore, the time it takes to restore the magnetic stripe is
It takes only a very short time and does not require a long period of time like the conventional method, which is a significant time reduction compared to the conventional method. Further, after the magnetic stripe is restored, transactions can be made immediately using the automatic transaction device. This will significantly improve service to customers.

(Example) Next, embodiments of the present invention will be described with reference to the drawings.

FIG. 2 is an external perspective view showing an embodiment of the automatic transaction device according to the present invention. In the same figure, l is a visual display device installed on the customer operation surface, and this visual display device l has a high-resolution transparent touch sensor panel that allows you to input the X-Y position by pressing with your finger. will be installed.

Further, 2 is a banknote insertion/return slot, which is connected to a banknote deposit and withdrawal machine. Further, 3 is a coin insertion/return slot, which is connected to a coin deposit/dispensing machine. Further, 4 is a magnetic card insertion slot connected to a card reader/printer, and 5 is a bankbook insertion slot connected to a bankbook entry machine.

Here, the visual display device 1 normally displays information for customer operations and provides customer guidance. For example, tasks such as deposits, deposits, transfers, transfers, filling out two bankbooks, and checking balances, etc.
Guide customers sequentially through text, graphics, illustrations, etc.
The customer performs the desired task by touching the designated visual display device with his/her finger.

FIG. 1 is a block diagram showing the internal configuration of the automatic transaction device and center of FIG. 2.

In FIG. 1, the interior of the automatic transaction device 11 includes a visual display device 1 that displays customer guidance and information on the screen and buttons that the customer presses, and a bankbook entry machine 12 that performs bankbook entry. a card reader printer 13 that reads and writes magnetic stripes on cards and prints statement slips;
Depositing banknotes.

A banknote deposit/dispensing machine 14 for dispensing money and depositing coins.

A coin depositing and dispensing machine 15 for dispensing money, an input/output control device 16 for controlling communication with the host interface, a memory 17, and a central processing unit (for controlling these operations).
Hereinafter, it will be referred to as CPU. ) 18 mag. Here, the visual display device 1 is used as the input means of the present invention, and the CPU 18, as well as the bankbook entry machine 12 and the card reader printer 13 are used as the restoration means of the present invention.

In addition, the input/output control device 16 of the automatic transaction device 11 has a modem 19. Communication control device 22 via communication line and modem 21
connected online. That is, the automatic transaction device 11
is connected online to the center 20. center 2
0 is a communication control device 22, a CPU 23 connected to this communication control device 22, and information about the customer's account number and balance (related to the customer's transaction medium such as a passbook or card). A magnetic disk device 24 for storing information) in a file, and a modem 2 in a communication control device 22.
6.27, and the magnetic disk device 24
a window machine 25 for managing files, reading and writing file contents, and a modem 21 .
26 to 28, and various other terminals (not shown).

The branch 31 also has a window machine 32 that is used for reading and writing the contents of files in the magnetic disk device 24 on the center 20 side, creating a passbook, etc. This window machine 32 is connected to a modem 330 communication line. , are online connected to the communication control device 22 on the center 20 side via the modem 28.

Next, the operation of the embodiment of the present invention will be explained as shown in FIGS. 3 and 4.
This will be explained using figures. In addition, FIG. 3 is an operation flowchart showing one embodiment of the automatic transaction device of FIG.
In particular, the customer's operating procedures and CP for the automatic transaction device 11
It is a flowchart which shows the processing procedure of U18. 4(a) to 4(C) each show an example of a screen displayed on a visual display device, and FIG. 4(a) shows an example of a display screen for instructing a customer to select an operation; b) shows an example of a display screen that prompts input of data, and FIG. 2C shows an example of a display screen that prompts confirmation of input data.

The customer inserts the passbook with the magnetic stripe into the passbook insertion slot 5, and displays the screen 1a of the visual display device l as shown in FIG. 4(a).
This screen display allows the customer to recognize the destruction of the bankbook's magnetic stripe (information related to the customer's bankbook recorded on the magnetic stripe (magnetic stripe information)), and also to The customer selects whether or not to restore the magnetic stripe of the passbook (Step Sl in Figure 3).If the magnetic stripe of the passbook is not restored, the customer
When "Exit" is pressed on the display screen 1a in FIG. 4(a), the passbook is returned to the customer (step S2 in FIG. 3).
. Also, if you want to restore the magnetic stripe on your passbook,
Press "Continue" on the display screen 1a in FIG. 4(a). Then, the passbook is returned to the customer (step S3 in FIG. 3).

Next, on the screen 1a of the visual display device 1, as shown in FIG. 4(b), a display prompting for human input of the data necessary to restore the stripes of the passbook is displayed (step S4 in FIG. 3).
. The magnetic stripe information usually includes 1 store number, 1 account number, 2 pages, and 3 lines.

Accounts are recorded on the magnetic stripe, but bankbook balances are not. Here, the display screen 1a in FIG. 4(b)
Following the instructions, enter data for all the specified items, including the bankbook balance, to increase the reliability of identifying the customer's bankbook.

However, the present invention is not limited to this, and the input data necessary to restore the magnetic stripe may be any information that identifies the customer's bankbook (passbook identification information), and therefore at least the store number. Just the account number is fine. This is because, on the center 20 side, if the customer's store number (registered store number) and account number are identified, the customer's bankbook can be identified and the magnetic stripe information of the customer's bankbook can be retrieved from among the information related to the customer's bankbook. It is from.

Next, after inputting all the data instructed by the display on the screen 1a of FIG. 4(b), the CPU 18 displays all the manually input data on the screen 1a of the visual display device 1 as shown in FIG. 4(c).
The screen is displayed again as shown in FIG. 3 to prompt the customer to reconfirm the input data (steps S5 and S6 in FIG. 3). At this time, if there is an error in the data, the data is corrected. If you wish to interrupt the process, press the "Cancel" button on the display screen la to end the process. Next, if the customer presses the "Confirm" button because the input data is correct without pressing the "Cancel" button, the customer will be placed in a queue to insert the passbook, and the customer will be able to insert the passbook from the passbook insertion slot 5 with the destroyed magnetic stripe. Insert the passbook into the bookkeeping machine 12 (Steps 37 to S9 in Figure 3).If you do not press the "Confirm" button, the process ends (Step S8 in Figure 3).Insert the passbook correctly in Step S9. Then, the CPo 18 transfers the previously input data to the input/output control device 16.modem 171 communication line, modem 21,
It is transmitted to the CPU 23 of the center 20 via the communication control device 22 (steps S9 to S511 in FIG. 3). In addition, if a passbook is inserted into the passbook entry machine 12 through the passbook insertion slot 5, but the passbook is not inserted correctly due to the automatic transaction device 11 being stuck due to a problem with the handle 11, etc., this will be treated as an error. , prints the error details on the statement slip (receipt), imports this E-written statement slip (receipt) into the device, informs the customer that the passbook cannot be used, returns the passbook to the customer, and completes the process (3rd step). Figure Ste Tubu S9.SIO.

S19-S21). Also, Ste Tsubu S11 Kooshi)
The input data is transmitted to the center 20 until a response is returned from the center 20. If there is a problem, print out the details of the error on a statement slip (receipt), import the printed statement slip (receipt) into the device, inform the customer that the passbook cannot be used, and return the passbook to the customer for processing. (3rd
Step S21 in the figure. S12. S19-521). Next, based on the received data, the CPU 23 of the center 20 extracts the stripe information of the customer's bankbook from the file in the magnetic disk device 24, and transfers it to the communication control device 22.
Modem 21. Communication line, modem 19, input/output control device 1
6 to the CPU 18 of the automatic transaction device II.

Next, in the automatic transaction device 11, the CPU 18 checks the validity of the received message (is it the intended message?), and if it is correct, writes the magnetic stripe information on the magnetic stripe of the passbook to restore the magnetic stripe. After that, the bankbook is returned (steps S13 to S517 in FIG. 3). In addition,
When receiving data from the center 20, if there is no power on the center 20 side, there is a fault on the center 20 side, the line is disconnected, or there is a poor connection, and there is no response from the center 20 side. , or center 20
If the data sent to the center 20 is incorrect and a message to that effect is received from the center 20, the CPU of the automated transaction device 11 [8] treats it as an error and records the error details on the statement (receipt). The customer prints the printed statement slip (receipt) into the device, informs the customer that the bankbook cannot be used, returns the bankbook to the customer, and completes the process (3rd step).
Step S13 in the figure. S14. S19-521). In addition, when writing magnetic stripe information to the magnetic stripe of a passbook (step 515 in Figure 3), if the magnetic stripe is physically bent or there is an error that makes it impossible to write, the details of the error will also be detailed. vote (receipt)
The customer prints the printed statement slip (receipt) into the device, informs the customer that the bankbook cannot be used, returns the bankbook to the customer, and completes the process (steps S15 and S1 in Figure 3).
9-521). Further, the passbook is returned in step S17, but if the customer does not receive the passbook within a predetermined time, the passbook is taken into the device as a timer over error and the process is ended (steps S17, S18, 522 in FIG. 3).

As can be seen from the above explanation, when the automated teller machine 11 is installed outside the store or is operated on holidays, the magnetic stripe (recorded information on the magnetic stripe) of the passbook, which is the transaction medium, is destroyed. When the customer (user) learns from the screen display of the visual display device 1 that the damaged magnetic stripe has been destroyed, the customer (user) can use the automatic transaction device 11 to restore the destroyed magnetic stripe without the help of an attendant. Therefore, it is possible to save the time and effort of the staff as required in the past. It goes without saying that the present invention is effective even when the present invention is applied in cases other than when the automatic transaction device 11 is installed outside the store or when it is in operation on holidays.

Further, the time required to restore the magnetic stripe is extremely short, and does not require a long period of time unlike the conventional method. In particular, considering that in the past, the magnetic stripe was not restored on the spot at the store, and it took days to restore the magnetic stripe, this is a significant time reduction compared to the past.

In addition, after the magnetic stripe is restored, the automatic transaction device 1
1 allows transactions to be carried out as usual, and is particularly effective when the automated teller machine 11 is installed outside the store or when it is in operation on holidays.

Furthermore, the customer (user) can restore the magnetic stripe of a passbook in a short time using the automatic transaction device 11, and can immediately conduct transactions using the automatic transaction device 11 after restoring the tomobi magnetic stripe. A significant improvement will be achieved.

The present invention is not limited to this embodiment, and various applications and modifications can be made without departing from the gist of the present invention.

For example, although the case of a passbook with a magnetic stripe has been described in this embodiment, the present invention is not limited to this and may be applied to a card with a magnetic stripe. Any transaction medium with an attached name may be used. Further, in this embodiment, data predetermined as passbook specific information input by the customer on the visual display device 1, in this case, store number 2 account number.

Unless all the data on the bankbook balance (page number, line number, and account) match in the CPU 23 on the center 20 side, the CPU 23
sends a message to the CP of automatic transaction device 11 stating that it is “wrong”
Although the magnetic stripe information is not returned, the present invention is not limited to this, and if necessary (depending on the transaction purpose), part of the passbook specific information (
Determine in advance. ) may be checked by the CPU 23 and the magnetic stripe information may be sent back.

(Effects of the Invention) As described above, if the automatic transaction device according to the present invention is used, the following various effects can be achieved.

(1) If this automatic transaction device is installed outside the store or is in operation on holidays, the magnetic stripe (
When the recorded information on the magnetic stripe is destroyed, the customer (user) can use this automatic transaction device to restore the destroyed magnetic stripe himself without the help of an attendant. This saves the time and effort of staff members.

(2) The time needed to restore the magnetic stripe is extremely short, and does not require a long period of time unlike the conventional method, resulting in a significant time reduction compared to the conventional method.

(3) After the magnetic stripe is restored, transactions can be made immediately using the automated transaction device.

(4) Through (2) and (3) above, services to customers can be significantly improved.

[Brief explanation of drawings]

Fig. 1 is a block diagram showing an embodiment of the present invention, Fig. 2 is an external perspective view showing an embodiment of the automatic transaction device according to the present invention, and Fig. 3 is a block diagram showing an embodiment of the automatic transaction device according to the present invention. The operation flowchart shown in FIGS. 4(a) to 4(c) are diagrams showing examples of screens displayed on the visual display device 1, respectively. 1... Visual display device, 11... Automatic transaction device, 12
...Passbook recording machine, 13...Cart reader printer, 17...Memory,
18.23...CPU, 20...Center, 24...
-Magnetic disk device, 32...window machine.

Claims (1)

[Claims] Use of a transaction medium with a magnetic stripe that is connected online to a center where information related to the customer's transaction medium is registered, including magnetic stripe information on the customer's transaction medium. an input means for inputting the customer's transaction medium identification information in the event that the magnetic stripe of the customer's transaction medium is destroyed; and the customer's transaction medium identification information inputted by the input means. a restoring means for restoring the magnetic stripe of the customer's transaction medium inserted at a predetermined position based on the magnetic stripe information of the customer's transaction medium sent from the center side based on the above-mentioned information. An automatic transaction device characterized by: