JPH0348558B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field of the Invention The present invention relates to automatic teller machines installed in banks and the like.

Conventional technology Installed in banks and other locations to allow customers to withdraw money and
Automated teller machines that accept deposits, etc. are becoming more and more popular, and are becoming more sophisticated with additional functions such as remittances and envelope deposits. In addition, mechanized stores that are equipped with only automatic machines are emerging, and in this case, only a small number of bank staff are needed for maintenance and security, resulting in significant labor savings. The equipment that makes up a mechanized store is customer-operated automatic equipment, but if this is the only equipment, there are inconveniences such as the inability to perform aggregation processing and the need to know the customer's PIN code in order to process withdrawals on behalf of the customer. Therefore, one machine (counter terminal) for exclusive use by bank staff is installed.
A stand needs to be installed. If a dedicated machine is not installed, you will have to go to a branch or branch where one is installed, which is troublesome.

If an automatic teller machine (customer-operated automatic device) can be operated not only by the customer but also by the bank staff, there is no need to install a dedicated machine for staff operation, or to go to a branch where one is available, but it is possible to use conventional automatic deposit machines. Payment machines are for customer operation only. For example, the automatic transaction device disclosed in Japanese Patent Application Laid-Open No. 54-105445 is one such example, and bank employees cannot make transactions using this automatic transaction device. This publicly known example discloses countermeasures in the event of an abnormality such as a user's operational error or trouble with the transaction device itself, and switches 11 and 15 that instruct the ejection of transaction media are installed on the front and back sides of the automatic transaction device. When the clerk operates the front side switch 11, the transaction medium is ejected to the front side, and when the clerk operates the back side switch 15, the transaction medium is ejected to the back side.

Problems to be Solved by the Invention The present invention provides an automatic customer-operated device with an employee-operated mode, and switches to this mode to turn the customer-operated automatic device into a counter terminal exclusively for bank employees, eliminating the need to install dedicated machines in mechanized stores. This is what we are trying to do.

Structure of the Invention As shown in FIG. 3, the present invention includes an information input means through which a customer inputs information necessary for a transaction, and deposits, withdrawals, and other processing based on the information input from the input means. In an automatic teller machine having a customer transaction control section, an attendant transaction control section allows an attendant to perform deposits, withdrawals, and other processing by omitting or adding some of the steps necessary for customer transactions; an input section for inputting attendant operation mode information to operate the attendant control section; detecting and activating the attendant operation mode information from the input section to enable the attendant transaction control section in place of the customer transaction control section; A switching means is provided, and when switching to the clerk transaction control section, the clerk transaction control section is operated based on information inputted from the information input means.

Effect: If the automatic teller machine used by the customer is equipped with an attendant transaction control unit, and if the attendant transaction control unit can be enabled through a specific process such as inserting the attendant's card, the attendant will be able to make deposits and withdrawals at the automatic teller machine. It is possible to process money, etc. on behalf of the customer, and there is no need to install or go to a branch office where there is a dedicated machine operated by bank staff, which is extremely effective for mechanized stores.

Embodiment of the Invention FIG. 1 shows an example of an automatic teller machine, in which 10 is a housing, 12 is a bankbook entrance, 14 is a card entrance, and 16 is a housing.
18 is a deposited banknote entrance, 18 is a cash outlet, 20 is a CRT display for operation guidance, and 22 is an operation button such as a numeric keypad and a function key. In this device, when making a payment (withdrawal), the customer inserts his/her card and/or bankbook into the insertion slots 12, 14, operates the key 22, enters his/her PIN number and payment amount, and this device handles the transaction. The message is sent to the center, the center processes the payment to the customer's account, and then sends a payment instruction to the device, which then pays out cash to the customer. In addition, in the case of deposit (deposit), the customer should insert the code or passbook into the insertion slot 12, 1 of the device.
4, insert cash (banknotes) into the insertion slot 16, and after confirmation, this device sends the transaction message to the center, and the center performs the deposit processing to the customer account, and then issues a deposit instruction to the device. This device also prints the deposited amount on the bankbook.

For both deposits and withdrawals, the customer operates the automated teller machine himself, and bank staff do not (cannot) operate it. In order to operate the system, a bank employee needs to obtain the customer's passbook and/or card and know the PIN number.
However, sometimes bank employees go around to customers and deposit money, and in this case it is inconvenient that they cannot deposit money without a passbook. There are also cases where the customer withdraws the amount indicated by the customer, but in this case it is inconvenient that the automatic teller machine cannot be operated without knowing the customer's PIN number. Furthermore,
Aggregation processing and the like are not originally within the scope of customer-operated automatic equipment, so such equipment is not equipped with such processing functions and cannot be done without a dedicated machine.

Therefore, in the present invention, an automatic teller machine is provided with a bank staff operation mode so that it can also function as a teller terminal. To switch to this mode, use card slot 1.
Insert a special card or passbook into 4, and/or perform special key operations. A special card or passbook is a card or passbook distributed to bank employees, and the size and format may be the same as those of customers, but the information written thereon indicates that it is a special card or passbook. Special key operations are used to input a predetermined code by operating the key 22, or to open the lid of an automatic teller machine and take out a card, passbook, etc. that is stuck inside due to a malfunction. A key hole 24 is provided, and operations are performed by inserting a key (return cylinder key) into this hole and turning it (this causes the switch to open and close and emit a signal). The automated teller machine will check to see if the card is a special card (if there is special information on the magnetic stripe or embossing on the card, it will be a special code), and if the card is not a special card and is therefore a customer card, the customer-operated automatic deposit payment will be executed. The machine enters normal processing. The outline of this normal processing has been described above, but the details include comparing the PIN and account number read from the card or passbook with the customer's input PIN, sending the deposit/withdrawal amount and account number to the center, various guidance, etc. is added. If the card is a special card, a bank employee processing program will start, allowing deposits to be made using the account number without the need for a passbook, and withdrawals to be made using only the passbook without the need for a PIN. For example, to make a deposit, a bank employee enters the customer account number into an automatic teller machine and inserts cash.The automatic teller machine then confirms this and sends the transaction message to the center, which then processes the deposit into the customer's account. , notify the automated teller machine accordingly. At this time, if a bankbook is inserted, the amount deposited is printed in the bankbook, and if it is not inserted, it is printed on the receipt. This bank staff operation mode or staff operation mode ends with one transaction, and even when a bank staff performs deposit/withdrawal operations continuously, the mode is set by inserting a special card or the like for each customer account.

In addition to the above, various methods can be considered to enter the attendant operation mode. For example, on the back of an automatic teller machine, when the lid is opened, the management operation section 26 can be inverted and protruded, and this section displays transaction mode display, insufficient banknote display, etc., as shown in Figure 2. Display section 26a, display section 26b that displays various errors and failures in numbers, various switches, push button section 26c
By operating and/or visually observing these, it is possible to know the faulty part, fullness, shortage status, etc. There is also a control and monitoring unit (CMU) 28 that remotely monitors the automated teller machine, and has substantially the same configuration as the management operation section. You may switch to the attendant operation mode by operating these push buttons. Additionally, automatic teller machines are set to operate only until 3:00 p.m. or 6:00 p.m., but after these hours, they can be switched to attendant operation mode, or they can be switched to attendant operation mode based on a telegram instruction from the host. Conceivable. In this case, the attendant operation mode does not operate for each transaction, but continues until it is canceled. During this period, general customer transactions will not be conducted, and if any cards or passbooks are inserted, they will be returned.

If a card or passbook is inserted during the normal operation period of the automatic teller machine, it will check to see if it is a special card or passbook as mentioned above, and if it is special, it will switch to the clerk operation mode, but at this time, no unnecessary input is required. The appropriate transaction mode is balance inquiry.

FIG. 3 is a block diagram showing the structure of an automatic teller machine, in which 30 is a reader for reading data on the magnetic stripe of a card, 32 is an imprinter, 34 is a printer, and 36 is a control unit for these. A print buffer 38 supplies print data to the printer 34. A card data buffer 40 stores card data read by the card reader 30. 42
Reference numeral 44 designates a reader of the passbook magnetic stripe, 44 an auto-turn page section, 46 a printer, and 48 a control section thereof. A print buffer 50 supplies print data to the printer 46. A buffer 52 stores the data of the passbook magnetic stripe read by the reader 42. 54 is a key such as a numeric keypad, 56 is a control section thereof, and 57 is a buffer for storing key input data. A line control unit 60 is connected to the center through a line 62. 6
Reference numeral 4 denotes a buffer for storing data from the line or data for the attendant to be sent, 66 a customer transaction control section, and 68 an attendant transaction control section. Further, 78 is a bill validator control section, and 80 is a cash counter control section.

The key 54 in FIG. 3 is an information input means,
Card reader 30, passbook magnetic stripe reader 4
2. The key 54 is an input section for inputting clerk operation mode information, and the comparators 70, 7, 76 and switch 72 are switching means for enabling the clerk transaction control section.

When the card is inserted and the reader 30 reads the data, the data enters the buffer 40 and is compared with the attendant data (information indicating that the card is a special card) in the comparator 70. If a match is found, it is determined that the card is a special card, and the output of the comparator 70 operates the switch 72 to switch the transaction control unit from 66 to 68.
Similarly, when a bankbook is inserted, the comparator 74 compares the bankbook magnetic stripe data with the clerk's data, and if a match is found, the comparator output is changed by operating the switch 72 to change the transaction control section from the customer's 66 to the clerk's 68. Switch to The same applies to the case of key operation, the comparator 76 compares the data input by the key operation with the clerk data, and when a match is found, operates the switch 72 to switch the transaction control unit from 66 to 68. Furthermore, the aforementioned
The same goes for switching from a control unit such as a CMU, and switching from a host.
2 is switched.

An example of the operation procedure when the clerk performs the same operation as the customer in the balance inquiry mode described above and enters the clerk operation mode is as follows in relation to the host.

The clerk presses the transaction type button ``Balance Inquiry'' on the automatic teller machine, and inserts the special card for the clerk according to the instructions to insert the card. Next, follow the instructions to enter your PIN and enter your PIN. Here, the payment machine prints a transmission journal and sends out the required data.

The host receives this and checks whether the data indicates a special card. If NO, it will remain in normal customer mode, and if YES, it will request the payment machine to switch to attendant operation mode.

The payment machine receives this, prints the received data, and
Return the card and switch to attendant operation mode. Up to this point, it is the normal operation mode, and after that, it is the staff operation mode. A mode change notification is sent to the host as necessary, the host transmits a control table for operating I/O, the payment machine receives and stores it, and waits for an operator to operate it.

In the continuous staff operation mode, the staff are A, B, C,
...Deposits and withdrawals for a large number of customers can be processed continuously. For example, if customer A is depositing money, customer B is remittance, customer C is withdrawing money, etc., then the clerk will contact customer A.
, press the execute key to send the data to the host, then process the remittance for customer B, press the execute key to send the data to the host, and so on. The host receives this data and processes deposits, remittances, and withdrawals. In the case of attendant operations, push buttons and keys of a type that do not exist in customer operations may be required, but this can be created by changing the mode of the push buttons and keys used for customer operations, and which keys are used for customer operations. What kind of function has been changed is preferably displayed on the CRT display 20 using data from the host. Notification by voice is also possible.

The control table sent from the host when changing the operation mode includes transaction order (processing module order), display data (number), change screen data, etc. Instead of being sent from the host, the control table may be stored by the automated teller machine as one of its native modes.

Staff operation mode is 1 transaction (transaction for each customer account)
After completing one transaction, the transaction will continue to be in staff operation mode, but the staff member will have to choose whether to switch to normal operation mode.Special operations for switching modesFor example, if a special card is inserted for the second time, the transaction will return to normal. (normal operation mode) or return to normal operation mode.

Both the customer transaction control unit 66 and the clerk transaction control unit 68 are actually sequencers made up of software, but there are restrictions such as customer transaction requires the input of the customer PIN number for withdrawals, and requires a passbook or card for deposits. However, in the case of clerk transactions, it can be activated using the customer account number (this can be found by checking on the bank side), so there are differences in the sequence, such as withdrawals do not require a PIN number, deposits do not require a passbook, etc. In the case of transactions, there are sequences such as aggregation processing that are not present at all in customer operation mode. Another difference is that the confirmation and authentication processes are stricter in the customer operation mode, whereas they are relaxed or omitted in the attendant operation mode.

Since the required data is sent to the center each time a transaction is made, aggregation can be done at the center, but it is also done for each automatic teller machine and used to compare with the aggregated value at the center. The total for each payment machine is printed out by pressing a predetermined button on the management operation section mentioned above.

Effects of the Invention As explained above, according to the present invention, an automatic teller machine, which has been limited to use by customers, can also be used for bank transaction processing by staff members, and is extremely effective in functionalized stores. In addition, even at regular bank branches, counter terminals and automatic teller machines have longer operating hours, so with the automatic teller machine of the present invention, banking operations can be carried out even after counter operations have ended. This is effective for processing backlogs, etc.

[Brief explanation of drawings]

FIG. 1 is a perspective view of the main parts of an automatic teller machine, FIG. 2 is a plan view of a portion thereof, and FIG. 3 is a block diagram showing the internal structure. In the drawing, 66 is a customer transaction control section, 68 is an attendant transaction control section, and 72 is a switching device.

Claims (1)

[Claims] 1. Information input means for a customer and a clerk to input information necessary for a transaction, and a customer transaction for performing deposits, withdrawals, and other processing based on the information input from the information input means. a control unit; and an agent transaction control unit in which an agent performs deposits, withdrawals, and other processes by omitting some of the steps required for customer transactions or by adding steps different from those required for customer transactions. , an operation mode input means for inputting agent operation mode information in order to operate the agent transaction control section; and an operation mode input means for detecting and operating the agent operation mode information from the operation mode input means, and operating the agent transaction control section in place of the customer transaction control section. and a switching means for enabling the control section, and when switching to the agent transaction control section, the automatic transaction control section is operated based on information inputted from the information input means. Deposit machine.