JPH0416819B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device such as an automatic teller machine that can transfer cash to, for example, another financial institution.

[Technical background of the invention]

In recent years, automatic teller machines that accept magnetic cards submitted by users with account information recorded on them and automatically dispense cash requested by users by communicating with a host computer, or magnetic stripes with account information recorded on them. an automated teller machine that accepts a magnetic passbook with a tag and automatically pays cash requested by a user by communicating with a host computer;
Alternatively, an automatic teller machine that automatically accepts cash using a magnetic passbook with a magnetic stripe that records account information, or even a combination of both functions.
Automated transaction devices such as automated teller machines, which combine functions into a single unit, are rapidly developing as automation equipment for bank counters, and are being introduced at banks to provide speedy services to their users.

In addition, recently, the above-mentioned automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. Things that do this have been developed and put into practical use.

Therefore, in order to omit the key entry of transfer information each time, we issue a transfer card with machine-readable recording of the transfer information by key input, that is, a magnetic stripe magnetic recording. At the same time, it has been considered that transfer transactions are performed based on transfer information recorded on the magnetic stripe of the transfer card.

[Problems with background technology]

However, in the above-described cards, transfer information is recorded on the magnetic stripe of the transfer card. Therefore, there was a possibility that the contents of the magnetic stripe could be destroyed magnetically (for example, by placing the transfer card on a television). Therefore, when a customer uses this transfer card to conduct a transfer transaction, the transfer information recorded on the magnetic stripe on the transfer card cannot be read, and the customer must start from the beginning without using the transfer card. had to redo the transaction. As a result, the usability for users has been extremely poor.

[Purpose of the invention]

This invention was made in view of the above circumstances,
The purpose is to provide an automatic transaction device that is easy to use for customers and can improve the processing speed of transfer transactions.

[Summary of the invention]

According to the present invention, when the transfer information on a card-like medium cannot be read, the user is guided to input the transfer information using the key input means without starting the transaction from the beginning.

[Embodiments of the invention]

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, a substantially L-shaped operating section 2 is formed on the front surface of the housing 1 . This operation section 2
A banknote insertion slot 3 is provided on the horizontal surface of the bank, in which a large number of banknotes to be transferred or transferred can be inserted at once, and change for the banknotes can be received. It is provided. Also,
A color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2. This CRT display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user, and also displays the PIN number, amount, account number, and transaction approval. , by pressing a display area corresponding to confirmation or cancellation, a touch sensor (not shown) detects this, and a so-called key operation is performed in which a corresponding signal is output to the main control section 11, which will be described later. For example, as shown in Figure 2, in addition to displaying the words ``Please enter the name of the payer,'' the system also displays katakana for entering the payer's name and a key for specifying the type of business where the transfer is to be made. There is. The contents and display change each time the machine operation or step status changes.

Further, on the vertical surface of the operation unit 2, there is an ID card insertion slot 6 into which an ID card M, which is a magnetic card as a transaction medium in which account information such as a PIN number and account number is recorded, is inserted, and a passbook or transfer card ( A passbook into which a card-like medium) 10 is inserted, a transfer card insertion slot 7, a receipt output slot 23 where a receipt is issued, a coin slot 8 where coins are inserted, and a coin change receiving slot 9 where coin change is received are provided. .

As shown in FIGS. 3 and 4, the transfer card 10 has transfer information on its front side 31 including the name of the financial institution to which the transfer is being made, the name of the branch, the account number, the item, the name of the account, the name of the client, and the request. the person's name and account information;
Alternatively, a magnetic stripe 32 is provided on which a telephone number is printed and the above-mentioned transfer information is recorded on the back side. As shown in FIG. 5, the transfer information recorded on the magnetic stripe 32 includes the starting code, the institution code indicating the form of the financial institution to which the transfer is made, the initial letter of the name of the financial institution to which the transfer is made and its code, and the financial institution to which the transfer is made. The initials of the branch name and its code, the remittance account type code, account number, beneficiary name, client name, client telephone number, transfer card expiration date, number of uses updated with each use, ending code, and par. It consists of a BCC (binary check code) for performing a check.

By the way, as shown in FIG. 6, inside the case 1,
a main control unit 11 that controls the whole; a magnetic card reading unit 12 that accepts the card inserted from the ID card insertion slot 6 and reads account information such as a PIN and account number from the magnetic stripe of the ID card M;
A transfer card 10 that reads the magnetic stripe of the passbook inserted through the passbook/transfer card insertion slot 7, records transaction details on the passbook and journal paper, and prints and records transfer information for transfer transactions. The passbook printing section 13 reads the transfer information on the magnetic stripe 32 of the transfer card 10 issued from the card insertion slot 7 or inserted from the passbook or transfer card insertion slot 7, and the receipt issuing slot 23 prints the receipt with the transaction result printed on it. a receipt printing unit 24 that issues bills from the bill insertion slot 3; a deposit/withdrawal unit 14 that accepts bills inserted into the bill insertion slot 3 and dispenses bills of a specified amount to the bill insertion slot 3; Accept coins and send coins of the specified amount to the above coin receiving slot 9.
a coin deposit/withdrawal unit 15 for dispensing coins, a customer service unit 16 constituted by the CRT display section 5, a voice guidance unit 17 for providing voice guidance to customers through a speaker (not shown), an internal monitor 18 for staff,
A floppy disk 19 on which transaction data and the like are recorded, a transmission control section 20 for controlling data transmission between the main control section 11 and a host computer (not shown), and a power supply section 21 are provided. Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

The above-mentioned bankbook printing section 13 is configured as shown in FIG. 7. That is, an insertion slot 7 for a passbook or a transfer card is communicated with the front surface of the main body 42, and a detector 43 for optically detecting the inserted passbook or transfer card 10 is provided near the insertion slot 7. ing. A conveyance path 44 is provided in a substantially horizontal state from the detector 43 toward the rear of the main body 42 . This conveyance path 44 includes drive rollers 45,
. . . pinch rollers 46, . . . which roll into contact with these rollers 45, . Note that the conveyance path 44
Only the drive roller 45 located at the end of the
It is driven by a pulse motor 49 separate from the motor 48 mentioned above. A magnetic head 50 serving as a magnetic reading/recording device is provided at the starting end of the transport path 44. This magnetic head 50 detects the magnetic stripe 3 of the accepted bankbook or transfer card 10.
The magnetic stripe 32 is used to read or record information on the magnetic strip 32 as necessary.
Reading or recording is performed by touching the magnetic stripe 32 and moving along the magnetic stripe 32 (in a direction perpendicular to the conveying direction of the passbook or transfer card 10).

Further, a platen roller 54 is rotatably supported in the middle of the conveyance path 44 . An electromagnetic brake 55 as a locking mechanism is connected to the platen roller 54.
Due to this action, the bankbook or transfer card 10 is locked while being handled, and is freely rotatable when printing on journal paper 59, which will be described later. Above the platen roller 54 is a print head 56.
is provided. This print head 56 is held by a carriage 57, and this carriage 57
is guided by a slide rod 58 and moved in the axial direction of the platen roller 54.
Here, the platen roller 54, print head 56, etc. constitute a printing device 76 that prints predetermined information on the bankbook, transfer card 10, and journal paper 59. A roll of journal paper 59 is wound around the platen roller 54 . This journal paper 59 is wound and held on a delivery shaft 60, and is held by a platen roller 54.
The film is wound onto a winding shaft 61 via a feed roller 62 and a pinch roller 63. The winding shaft 61 and the feed roller 62 are driven by a pulse motor 64 via a belt. In addition, in front of the platen roller 54 of the conveyance path 44, a bankbook or a transfer card 10 to be conveyed is provided.
A detector 65 is provided to optically detect. Further, near the end of the conveyance path 44, a collection box 68 is provided to store the conveyed passbooks.

Further, near the end of the conveyance path 44, there is provided a storage section 69 in which transfer cards 10 on which transfer information is not printed or recorded are stored.
The sheets are taken out one by one and supplied to a conveyance path 44.

Next, the transfer processing method of the present invention in such a configuration will be explained with reference to the flowcharts shown in FIGS. 8a to 12. For example, a customer is now standing in front of this device. At this time,
The CRT display unit 5 displays the message "I'm sorry, please specify the handling method" and the selection keys for "Withdrawal, Deposit, Balance Inquiry, Passbook Entry, Transfer" ( ST1). In response to this guidance, the customer presses the button labeled "Transfer" (ST2). As a result, the main control section 11 determines to proceed to the next processing step, and displays "Please press the type of transfer" on the CRT display section 5, and presses the selection key for "cash, ID card withdrawal". is displayed (ST3). Next, the customer follows the instructions and ``withdraws their ID card.''
Press down on the part that is displayed (ST4). As a result, the main control section 11 determines that the transfer will be made by debiting the ID card M, and causes the CRT display section 5 to display the instruction "Please insert your card" (ST5). Next, customers follow the instructions
Insert the ID card M into the ID card insertion slot 6 (ST6). Then, the ID card M is taken into the magnetic card reading section 12, and account information such as a password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown). The above account information is checked by the main control unit 11,
If it is determined that the ID card is incorrect, the main control unit 11 performs error processing. In addition, the main control unit 11
If the ID card is determined to be correct, the CRT display section 5 displays "Press your PIN number" and also displays a numeric keypad and a correction key (ST7). Next, the customer follows the instructions and inputs his/her PIN number by pressing down on the area where the numeric keypad is displayed (ST8). By inputting this password, the main control unit 11 determines whether or not the passwords match, and if they do not match, performs a lock re-input process. Furthermore, if the PIN numbers match, the main control unit 11 causes the CRT display unit 5 to display "Please press the amount to be transferred" as well as a numeric keypad and an amount key (ST9). Next, the customer follows the instructions and inserts the amount to be transferred (ST10). With this input, the main control unit 11
The display section 5 displays the message "Depending on whether the destination is registered or not, please press the registration key, designation key, or insert a transfer card" and display the registration key and designation key (ST11 ). Next, the customer inserts the specified key according to the instructions (ST12). When the main control unit 11 determines that this designated key has been input, it displays on the CRT display unit 5 the message "Please press the destination financial institution" and also displays a list of selection keys for each bank name as a financial institution (ST13). . Following this guidance, the customer presses the selection key for one of the listed bank names (ST14). As a result, one of the listed bank names is selected.

When the main control unit 11 determines that it is possible to list the branch names by pressing this button, it displays the message "Please press the destination branch name" on the CRT display unit 26, and also displays a list of selection keys for each branch name ( ST15). Next, the customer presses the selection key for one of the branch names displayed in a list according to the instructions (ST16). As a result, one of the branch names displayed in the list is selected.
By pressing this button, the main control unit 11 causes the CRT display unit 5 to display ``Please enter the destination account number and deposit type'' and also causes the numeric keypad, correction key, normal key, and current key to be displayed (ST17). Following this guidance, the customer enters their account number and deposit type (ST18). If the main control unit 11 determines that the recipient is not the main branch by this input, it displays "Please press recipient's name" on the CRT display unit 5, as well as a katakana key, a correction key, and a completion key (ST19). Then, when the completion key is pressed (ST20), or when the main control unit 1
If it is determined that No. 1 is the main branch, the CRT display section 5 displays "Currently processing the computer. Please wait for a while" (ST21). Also,
The main control unit 11 transmits and receives inquiry messages, and prints the results on journal paper 59. Next, the main control section 11 causes the CRT display section 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST22). Following this guidance, the customer inserts the confirmation key or cancellation key (ST23).

When the main control unit 11 determines that the cancel key has been input, it performs the cancel process, and when it determines that the confirmation key has been input, the CRT display unit 5 displays the message "Currently processing the computer. Please wait for a moment."
is displayed (ST24). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Next, after performing a transfer card error process (ST24') to be described later, the main control unit 11 causes the CRT display unit 5 to display ``Do you need a transfer card?'' and displays required keys and unnecessary keys (ST25). ). Following this guidance, the customer presses the necessary key (ST26). Then, the main control section 11
The passbook printing section 13 prints the transfer information such as the name of the financial institution to which the transfer is being made, the branch name, the account number, the item, the account name and the client's name, etc., and also prints the information on the magnetic stripe 32 (Fig. 3). A transfer card 10 as shown is issued from the passbook and transfer card insertion slot 7.

That is, the transfer card 10 is taken out from the storage section 69 by the take-out roller 70 and conveyed along the conveyance path 44 in the direction of arrow a. And transfer card 1
When the rear end of the card 0 faces the print head 56, the transfer card 10 is conveyed in the direction of arrow b, and during this conveyance, the print head 56 prints transfer information on the front surface 31. When this printing is completed, the transfer card 10 is conveyed again in the direction of arrow a, and when its magnetic stripe 32 faces the magnetic head 50, transfer information is recorded on the magnetic stripe 32, and then it is ejected from the insertion slot 7. At this time, the main control unit 11
The message ``Please receive the transfer card'' is displayed on the CRT display unit 5 (ST27). Then, the process proceeds to the transfer card receiving process (ST28), which will be described later, and if the transfer process ends with the collection of transfer card 10, the transfer process ends, and when the transfer card has been received, or if an unnecessary key is pressed in step 25. At this time (ST29), the main control section 11 causes the CRT display section 5 to display "Please receive your ID card and receipt" (ST30). Next, the customer receives the ID card M and the receipt, and completes the transfer process (ST31).

Further, when the registration key is pressed in step 11 (ST32), the main control unit 11 causes the CRT display unit 5 to display "Currently processing by computer, please wait for a while" (ST33). Also,
The main control unit 11 transmits and receives inquiry messages, and causes the results to be printed on journal paper 59. Next, the main control section 11 causes the CRT display section 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST34). Following this guidance, the customer inserts the confirmation key or cancellation key (ST35). Then, when the main control unit 11 determines that the cancel key has been input, it performs the cancel process, and when it determines that the confirmation key has been input, it displays on the CRT display unit 5 the message "The computer is currently processing, please wait for a while" ( ST36). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Next, the main control section 11 causes the CRT display section 5 to display "Please receive your ID card and receipt" (ST37). The customer then receives the ID card M and the receipt, and completes the transfer process (ST38).

Furthermore, when the transfer card 10 is inserted into the bankbook or transfer card insertion slot 7 in step 11 (ST39), the transfer card 10 is accepted into the bankbook printing unit 13. Thereby, the main control unit 11 performs a transfer card process (ST39') to be described later. Through this process, it is determined whether the read data is abnormal or an error (ST39''). If there is an error, the process advances to step 12. If it is normal, the transfer information in the stripe section 32, that is, the institution code of the transfer destination and the initial letter of the financial institution name. The code, the initial letter of the branch name and its code, the account number, the account type code, the client's name, the client's account information, the expiration date of the transfer card, and the number of uses are output to the reading main control unit 11.As a result, The main control unit 11
The CRT display section 5 displays the message "Please confirm the details of the transfer" and also displays the transfer details, a confirmation key, and a cancellation key (ST40). Following this guidance, the customer inserts the confirmation key or cancellation key (ST41). Then, when the main control unit 11 determines that the cancel key has been input, it performs the cancel process, and when it determines that the confirmation key has been input, it displays on the CRT display unit 5 the message "The computer is currently processing, please wait for a while" ( ST42).
The main control unit 11 also sends and receives the transfer message, prints the result on the journal paper 59 using the printing device 76 of the passbook printing unit 13, and
The transfer card 10 received by the passbook printing unit 13 is returned to the passbook/transfer card insertion slot 7. At this time, the main control section 11 causes the CRT display section 5 to display "Please receive the transfer card" (ST43).
Then, the transfer card receiving process (ST44), which will be described later.
If the transfer process ends with the collection of the transfer card 10, the main control unit 11 displays the message “Please receive your ID card and receipt” on the CRT display unit 5. Display it (ST45). Next, the customer has an ID card M.
and a receipt, and the transfer process is completed (ST46).

On the other hand, in step 3, press down the area that says "cash" (ST47). As a result, the main control unit 11
determines that the transfer will be made in cash, and displays "Please press the transfer amount" on the CRT display 5.
The numeric keypad and amount key are displayed (ST48).
Next, the customer follows the instructions and inserts the amount to be transferred (ST49). By this input, the main control unit 1
1 causes the CRT display unit 5 to display the message ``To specify the destination, press the specified key, and to use a transfer card, insert it into the bankbook or transfer card slot'' and to display the specified key (ST50). . Next, the customer inserts the specified key according to the instructions (ST51). When the main control unit 11 determines that this designated key has been input, it displays on the CRT display unit 5 the message ``Please press destination and financial institution'' and displays the financial institution selection key (ST52). Following this guidance, the customer presses down on the financial institution (ST53). If the main control unit 11 determines that branch names can be listed by pressing this button,
A branch name selection key is displayed on the CRT display section 26 that says "Press destination branch name" (ST54). Next, the customer presses the branch name selection key in accordance with the instructions (ST55). By pressing this button, the main control unit 11 causes the CRT display unit 5 to display ``Please enter the destination account number and deposit type'' and also causes the numeric keypad, correction key, normal key, and current key to be displayed (ST56). Following this guidance, the customer enters the account number and deposit type (ST57). By this input, the main control unit 11
If it is determined that the branch is not the main branch, the CRT display section 5
``Press the recipient's name'' is displayed, as well as a katakana key, a correction key, and a completion key (ST58). Then, when the completion key is pressed (ST59), or when the main control unit 11 determines that it is the main branch, the main control unit 11 displays “Please enter the client's name” on the CRT display unit 5, and also displays the message in katakana. Display the completion key (ST60). Following this guidance, press the client's name and the completion key (ST61). By pressing the completion key, the main control unit 11 displays the message "Please enter the client's telephone number" and also displays a numeric keypad and a completion key (ST62). Based on this guidance, the customer presses the phone number and completion key (ST63). By pressing this completion key, the main control unit 11 causes the CRT display unit 5 to display "Currently processing by computer. Please wait for a while" (ST64). The main control unit 11 also sends and receives inquiry messages and causes the results to be printed on computer paper 59. Next, the main control unit 11 causes the CRT display unit 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST65). Following this guidance, the customer inserts the confirmation key or cancellation key (ST60). When the main control unit 11 determines to insert the cancellation key, it performs a cancellation process, and when it determines to insert the confirmation key, the CRT display unit 5 displays the following message: ``Please insert banknotes and coins into their respective slots. "Please press the confirmation key" is displayed, as well as a confirmation key and a cancellation key (ST67). Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (ST68). Then, the banknotes are received by the deposit/withdrawal unit 14 for inspection and counting, and the coins are received by the coin deposit/disbursement unit 15 and counted for inspection. When the above-mentioned inspection counting is completed, the main control section 11 causes the CRT display section 5 to display the input amount on the display in step 67 (ST69). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST70). Then, when the main control unit 11 determines that the cancellation key has been input, cancellation processing is performed. Furthermore, when the main control unit 11 determines that the confirmation key has been input,
The CRT display section 5 displays "Currently processing the computer. Please wait for a while" (ST71). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Upon completion of this printing, the main control unit 11 determines whether or not there is change by comparing the transferred amount with the withdrawn amount or input amount. When the main control section 11 determines that there is change, the CRT display section 5 displays the message "Please receive bills and coins from their respective receiving slots" and displays the amount of change (ST72). At this time, the main control section 11 operates the deposit/withdrawal unit 14 to release change bills into the bill insertion slot 3, operates the coin deposit/withdrawal unit 15,
Change coins are released into the coin receiving slot 9. As a result of this release, the customer receives change (ST73). When the receipt of change is completed, or when the main control unit 11
When the controller determines that there is no change, it performs the transfer card error processing (ST73′) described later, and then the main controller 1
1: “Do you need a bank transfer card?” on the CRT display 5
is displayed, and required keys and unnecessary keys are also displayed (ST74). Following this guidance, the customer presses the necessary key (ST75). Then, the main control unit 11 prints the transfer information such as the name of the financial institution to which the transfer will be made, the branch name, the account number, the item, the account name, the client's name, and the telephone code in the passbook printing unit 13, and also records it on the magnetic stripe 32. A transfer card 10 as shown in FIG. 4 is issued from the passbook and transfer card insertion slot 7. At this time, the main control section 11 causes the CRT display section 5 to display "Please receive the transfer card" (ST76). Then, the process proceeds to the transfer card receiving process (ST77), which will be described later. If the transfer process ends with the collection of the transfer card 10, the transfer process ends, and when the transfer card 10 has been received, or if the unnecessary key is pressed in step 25. (ST78), the main control unit 11 displays “Please receive your ID card and receipt” on the CRT display unit 5.
is displayed (ST79). Next, the customer uses the ID
Card M and receipt are received, and the transfer process is completed (ST80).

Also, following the instructions displayed in step 50,
When the customer inserts the transfer card 10 into the passbook and transfer card slot 7 (ST81), the transfer card 10
is accepted by the passbook printing section 13. Thereby, the main control unit 11 performs a transfer card process (ST81') to be described later. Through this processing, it is determined whether the read data is abnormal or an error (ST81''). If there is an error, the process proceeds to step 51. If normal, the transfer information in the stripe section 32, that is, the institution code of the transfer destination, the initial letter of the financial institution name, and the The code, the initial letter of the branch name and its code, the account number, the account type code, the client's name, the expiration date of the telephone number transfer card, and the number of uses are output to the main control unit 11.As a result, the main control unit 11 causes the CRT display unit 5 to display "Currently processing the computer. Please wait for a while" (ST82). In addition, the main control unit 1
1 transmits and receives inquiry messages and prints the results on journal paper 59. Next, the main control section 11
causes the CRT display section 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST83). Following this guidance, the customer inserts the confirmation key or cancellation key (ST84). Then, the main control section 1
When 1 determines that the cancellation key should be inserted, the cancellation process is performed, and when the confirmation key is determined to be inserted, the CRT display unit 5 displays the message ``Please insert banknotes and coins into their respective slots.If you agree, press the confirmation key.'' Please display the confirmation key and cancellation key (ST85). Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (ST86). Then,
Bills are accepted into the deposit/withdrawal unit 14 for inspection and counting, and coins are accepted into the coin deposit/disbursement unit 15 and counted for inspection. When the above-mentioned inspection counting is completed, the main control section 11 displays the CRT display section 5 in step 85.
The input amount is displayed on the display (ST87). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST88). Then, when the main control unit 11 determines that the cancellation key has been input, cancellation processing is performed.
If the main control section 11 determines that the confirmation key has been input, it displays on the CRT display section 5 the message "Currently processing the computer. Please wait for a while" (ST89). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Upon completion of this printing, the main control unit 11 determines whether or not there is change by comparing the transferred amount with the withdrawn amount or input amount. Then, when the main control unit 11 determines that there is change, the CRT display unit 5 displays “Banknotes,
Please receive the coins from each receiving slot."
is displayed, and the amount of change is also displayed (ST90). At this time, the main control section 11 operates the deposit/withdrawal unit 14 to release change bills into the bill insertion slot 3, operates the coin deposit/withdrawal unit 15,
Change coins are released into the coin receiving slot 9. As a result of this release, the customer receives change (ST91). When the receipt of change is completed, or when the main control unit 11
When it is determined that there is no change, the main control unit 11
Please receive the transfer card on CRT display 5.”
is displayed (ST92). Then, proceed to the transfer card receiving process (ST93), which will be described later, and transfer the transfer card 1.
If the transfer process ends with 0 collected, the transfer process ends, and when the transfer card 10 is received, the main control unit 11 causes the CRT display unit 5 to display "Please receive card and receipt" (ST94). Next, the customer receives an ID card M and a receipt,
Finish the transfer process (ST95).

By using a transfer card as described above, when making periodic transfers to the same transfer destination, operations other than the second and subsequent transfer amount or cash input can be omitted. As a result, it is possible to improve customer service and increase the number of cases processed by significantly shortening operation time.

In the transfer card error processing, as shown in the flowchart shown in FIG. 9, the main control section 11 determines whether or not a transfer card error flag is set in an internal memory (not shown) (ST101). When the main control unit 11 determines that the flag is not set, it ends the process and proceeds to the next step 25. When the main control unit 11 determines that the flag is set, the transfer card 10 is unreadable and cannot be collected. Determine and collect in collection box 68 (ST102),
Then proceed to step 25.

Further, the above-mentioned transfer card error processing is performed by the main control unit 11 as shown in the flowchart shown in FIG.
determines whether a transfer card error flag is set in the internal memory (not shown) (ST103). When the main control unit 11 determines that the flag is not set, it ends the process and proceeds to the next step 25. When the main control unit 11 determines that the flag is set, the CRT display unit 5 displays “Previous ``Is this the same as the transfer information?'' and a ``same'' key and a ``different'' key are displayed (ST104). Following this guidance, the customer presses the "same" key or the "different" key (ST105). When the main control unit 11 determines that the "same" key has been pressed, it causes the same transfer data to be rewritten on the magnetic stripe of the transfer card 10 (ST106);
After that, the process advances to step 27. Also, when the main control unit 11 determines that the "wrong" key is pressed, it determines that the transfer card 10 is unreadable and must be collected, and the collection box 68
(ST107), then proceed to step 25.

The transfer card receiving process is as shown in the flow chart shown in FIG. That is, the main control section 11 sets a timer (not shown) to N seconds (ST111), and causes it to be determined whether or not the transfer card 10 has been removed (ST112). Then, when the timer has not reached N/2 seconds (ST113), the main control unit 11
The audio guidance unit 17 is used to generate a voice guidance saying, "Please take your card. If you do not take it, we will collect it." (ST114). In addition, the main control unit 11 controls the transfer card 10
When it is determined that the sample is to be extracted (ST112), if voice guidance is being provided, the guidance is stopped (ST115),
Finish the process. Furthermore, when the timer reaches N/2 seconds in step 113, the main control unit 11 determines whether or not the timer has timed out (ST116), and if it has not timed out, the process returns to step 112, and if it has timed out, it is determined that the transfer card 10 has been forgotten. and collection box 68
(ST117). At this time, the main control unit 11 also collects the cards and receipts (ST118), prints the collection on the journal paper 59 (ST119), and ends the process. The printed contents include, for example, the presence or absence of a transfer card, the presence or absence of an ID card, the presence or absence of a passbook, and the amount of cash.

The transfer card processing is as shown in the flowchart shown in FIG. That is, the main control unit 11 clears the transfer card error flag in the internal memory (not shown) (ST121) and sets the retry counter to "n" (ST122). Next, insert the magnetic stripe 32 of the transfer card 10 into the magnetic head 5.
Read by 0 (ST123). The read data is checked by the main control unit 11 to see if it is correct (ST124). If this read data is incorrect, the main control unit 11 changes the contents of the retry counter to “-”.
1” (ST125). At this time, the main control unit 11 determines whether the content of the retry counter is "0" or not (ST126), and if it is not "0", returns to step 123,
If it is "0", a transfer card error flag is set (ST126). Furthermore, if the read data is correct in step 124, the main control unit 11 adds "+1" to the usage count data in the read data, and checks whether the usage count has exceeded by checking whether the data has reached a predetermined number of times (ST127). ), checks whether the expiration date has expired (ST128), and checks whether it is within one month before the expiration date (ST129). Then, the main control unit 11 determines whether the number of times of use has been exceeded, the expiration date has expired, or the expiration date has expired.
When it is determined that the transfer card is within 3 months old, the CRT display unit 5 displays the message "The transfer card is being reissued because it has been used too many times or has expired. Please wait for a while" (ST130). In addition, the main control unit 11 uses the print head 56 to print the first card on the transfer card (old ticket).
As shown in Figure 3, "Collected after expiration date" is printed (ST131). This printing is done in red and enlarged letters to make it easier for staff and customers to understand. Next, the main control unit 11 causes the transfer card (old card) on which printing has been completed to be collected in the collection box 68 (ST132). Then, the main control unit 11 prints the transfer information such as the name of the financial institution to which the transfer is made, the branch name, the account number, the item, the account name, the client's name and account information, etc. on the magnetic stripe 32 using the passbook printing unit 13. A new transfer card 10 as shown in FIG. 3 is issued from the bankbook and transfer card insertion slot 7 (ST133, 134).

That is, the transfer card 10 is taken out from the storage section 69 by the take-out roller 70 and conveyed along the conveyance path 44 in the direction of arrow a. And transfer card 1
When the rear end of the card 10 faces the print head 56, the transfer card 10 is conveyed in the direction of arrow b, and transfer information is printed on the front surface 31 by the print head 56 during this conveyance. When this printing is completed, the transfer card 10 is conveyed again in the direction of arrow a, and the magnetic stripe 3
2 faces the magnetic head 50, transfer information is recorded on its magnetic stripe 32, this recorded data is read and checked, and then ejected from the insertion slot 7.

Further, when the main control unit 11 determines in step 129 that the expiration date is not within one month, the process is terminated.

As mentioned above, even if the recorded contents of the magnetic stripe 32 of the transfer card 10 cannot be read, the transaction can be performed by inputting the transfer information using the keypad without having to start over from the beginning, which improves the usability for the customer. .

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that is easy to operate for customers and can improve the processing speed of transfer transactions.

[Brief explanation of drawings]

The drawings are for explaining one embodiment of the present invention, and FIG. 1 is an external perspective view of an automatic transaction device, and FIG.
The figure shows an example of a display on a CRT display section, Figures 3 and 4 are plan views for explaining the configuration of a transfer card, Figure 5 is a diagram for explaining an example of magnetic stripe recording, and Figure 6 The figure is a schematic configuration diagram of the main parts of the electric circuit, Figure 7 is a sectional view showing the configuration of the passbook printing section, Figures 8 to 12 are flowcharts for explaining the transfer processing method, and Figure 13 is a transfer It is a figure for explaining the transfer card collected in card processing. 3...Banknote insertion slot, 5...CRT display section, 6...
...ID card slot, M...ID card, 7...Passbook, transfer card slot, 8...Coin slot, 10
... Transfer card, 11 ... Main control section, 13 ... Passbook print section, 31 ... Front side of transfer card, 32
...Magnetic stripe, 50...Magnetic head, 56
...print head, 69 ... storage section, 70 ... take-out roller.

Claims (1)

[Scope of Claims] 1. In an automatic transaction device that performs a transfer transaction by operation of a customer, an acceptance means for accepting a card-like medium on which transfer destination information and payer information are recorded, and a card-like medium accepted by the acceptance means. A reading means for reading the remittance information and the payer information recorded on the medium; a determining means for determining whether the read contents read by the reading means are correct; and a determining means for determining whether the read contents are correct by the determining means. the first processing means, which processes the transfer according to the payee information and payer information read by the reading means, and the customer an input means for inputting the remittance information and the remittor information operated by the input means; and a second processing means for performing the remittance processing according to the remittance information and the remittor information inputted by the input means. An automatic transaction device featuring: