JPH0431964A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To reduce a space needed for storage of the transaction records by recording these records into a loadable/unloadable large capacity recording medium with no use of a paper journal. CONSTITUTION:The various data information on the transactions carried out by an automatic transaction machine such as the results of transactions, a series of working state, the paid quantity of each type of coins, the communica tion data on a host computer, etc., are stored in a main storage part 23 in accordance with the image data. Then the data information and the image data stored in the part 23 are edited into the forms that can be easily retrieved with addition of key words, etc., and furthermore, converted into the forms corresponding to the recording format of an optical disk. These converted information and data are sent to an optical disk device 20 from a main control part 21 and written into the optical disk via the device 20 to be stored as the transaction records.

Description

[Detailed description of the invention] [Object of the invention (industrial application field)]
This invention relates to an automatic transaction device that automatically performs currency deposits and withdrawals based on customer operations.

(Prior Art) In recent years, financial institutions such as banks have introduced automatic teller machines that automatically dispense cash requested by customers, automatic teller machines that automatically deposit cash, and even cash machines that have both of these functions. Automatic transaction devices such as automatic teller machines have been introduced,
Prompt service is being provided to users.

Recently, people have been receiving cash, transferring the received cash to other bank accounts, debiting a predetermined amount from their own account to another bank account, or receiving a form and paying taxes. A system that also allows payment of public utility charges, etc. has been developed and put into practical use.

By the way, this type of automated teller machine accepts, for example, a magnetic card (transaction medium) on which account information, etc., submitted by a customer is recorded, and communicates online with a center where the deposit ledger is recorded. The transaction is set to be executed.

Then, the embossed information (unique identification information) such as the name and account information engraved on the magnetic card is recorded as evidence of card presentation, as well as the operating status of the device and communication records with the center. It is designed to be kept.

However, in conventional automatic transaction machines, the embossed information is recorded by being transferred to a paper journal. For this reason, a large amount of space is required to store transaction records, and it also takes time to find a desired transaction record when searching.

(Problems to be Solved by the Invention) As mentioned above, in the past, the embossed information engraved on the magnetic card was transferred to a paper journal to leave evidence of the card presentation. This method has the drawbacks of requiring a large amount of space and requiring a long time to search.

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide an automatic transaction device that can reduce storage space for transaction records and speed up search processing.

[Configuration of the Invention (Means for Solving the Problem) In order to achieve the above object, the automatic transaction device of the present invention includes a reading means for reading unique identification information from a transaction medium owned by a customer. , a confirmation means for confirming the authenticity of the customer from the identification information read by the reading means, a processing means for executing a predetermined withdrawal when the authenticity of the customer is confirmed by the confirmation means, and this processing. It is comprised of a recording means for recording the transaction result and the identification information on a removable recording medium.

(Function) According to the present invention, transaction results and identification information can be recorded on a removable recording medium using the above-described means, so that transaction history can be managed without using a paper journal.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 1 and FIG. 2 show an automatic transaction device of the present invention.

That is, in the automatic transaction device 1, an abbreviated customer service operation section 3 is formed on the front surface of the main body 2. The vertical surface 3a of the customer service operation unit 3 includes a passbook insertion slot 4 for inserting a passbook in which account information such as a password and account number is recorded, and a passbook insertion slot 4 for inserting a passbook in which account information such as a PIN number and account number is recorded, and the above account information, name, account number, etc. that are magnetically recorded. A cart insertion slot 5 for inserting a magnetic card having embossed information, and a slip issuing slot 6 for issuing a transaction statement.
, a form insertion lower for inserting payment slips (forms) such as invoices, and 8 coin deposit and withdrawal ports that double as a deposit and withdrawal port for inserting or receiving multiple coins at once. It is being

Further, on the horizontal surface 3b of the customer service operation section 3, there is a bill deposit/withdrawal slot 9 for inserting or receiving a large number of bills at once, and a transparent touch panel (touch sensor) on the display screen of the color CRT. CR7 display devices 10 are provided which are arranged one on top of the other.

This CR7 display device 10 not only guides the user by displaying operating procedures and other information on the screen using illustrations, text, or messages, but also displays the password on the display screen. By pressing the display area corresponding to the amount, account number, transaction type selection, confirmation or cancellation, etc., the touch panel will detect it.
This is a so-called manual key operation that outputs a corresponding signal to the main control section, which will be described later. Therefore, the CRT display device 10 is designed to change the content and its display in response to changes in the operation of the machine or the state of the steps.

On the other hand, inside the main body 2, a main control section 21 mainly composed of a microcomputer etc. that controls the entire device,
A customer service unit 18 consisting of a card unit 11, a banknote deposit/withdrawal unit 12, an internal monitor 13 for staff, a coin deposit/withdrawal unit 14, a passbook unit 15, a ledger unit 16, a slip unit 17, and the CRT display device 10 described above.
, a voice guidance unit 19 that guides the user's operations by voice, an optical disk device 20, and the like are provided. In addition, the main control unit 21 is supplied with power necessary to operate a transmission control unit 22 that controls data transmission with a host computer (center) not shown, a main storage unit 23, and the device 1. The power supply unit 24 and the like are connected.

The card unit 11 receives a magnetic card inserted through the cart insertion slot 5, and reads account information from the magnetic stripe section on the card, for example.
It reads the embossed information stamped on the surface of the card.

Further, the card unit 11 is configured to write information in the magnetic stripe section as necessary.

The banknote deposit/withdrawal unit 12 accepts banknotes that have been inserted into the banknote deposit/withdrawal port 9 all at once, and determines their authenticity, denomination, and whether they are damaged (discrimination), counts the genuine bills, and arranges the front and back sides of the banknotes. The deposited genuine banknotes are sorted and stored according to their denominations, and the designated amount of banknotes are ejected to be paid out all at once from the banknote deposit/withdrawal port 9.

The internal monitor 13 is used to monitor the device 1 for those involved in the operation of the device 1.
The system notifies the user of the status of the computer, and allows the staff to input instructions regarding operations.

The coin deposit/withdrawal unit 14 performs authentication, denomination (discrimination), counting of genuine coins, etc. of the coins inserted into the coin deposit/withdrawal port 8 all at once, and sorts the inserted genuine coins by denomination. The coins are stored separately and paid out at once from the coin deposit/withdrawal port 8 by discharging coins corresponding to a designated amount or change amount.

The passbook unit 15 receives a passbook inserted through the passbook insertion slot 4, and performs, for example, reading/writing information on the magnetic stripe section of the passbook, printing transaction results on the recording surface, etc. .

The form unit 16 receives invoices and the like inserted from the form insertion lower, thereby reading information related to payment written on the invoices, printing transaction results, etc. .

The slip output section 17 creates a statement slip by printing transaction records etc. on an internally provided slip (receipt), or prints the results of a search regarding the transaction history and issues it from the slip issuing port 6. It is.

The optical disk device 20 records transaction history and the like on an optical disk (recording medium) and searches transaction history recorded on this optical disk. In addition,
The optical disc can be attached to and removed from the optical disc device 20 by opening the rear door 2a of the main body 2.

The main storage unit 23 stores processing procedures (operation programs) related to the operation of the automatic transaction device 1, and also stores various information related to transactions, such as a dealer number and a unique device number of the device 1. It manages records of operating status, etc.

Further, the main storage unit 23 is configured to temporarily store records of transaction results before recording them on the optical disc.

The main control section 21 controls the above-mentioned sections according to the operation program of the main storage section 23, thereby causing the automatic transaction device 1 to perform a predetermined transaction operation.

Next, the operation of the above configuration will be explained using a payment transaction as an example.

For example, now, by a customer wishing to make a payment transaction,
The CRT display device 10 selects whether to withdraw payment;
Assume that a magnetic card is inserted into the card insertion slot 5. Then, the main control section 21 controls each of the sections and sets the automatic transaction device 1 as the payment mode.

On the other hand, the magnetic cart is taken in by the card unit, where the account information on the magnetic stripe section is read. The account information read from the magnetic card is sent from the card unit 11 to the main control section 2.

Also, the embossed information on the card surface is optically read by a CCD (solid-state image sensor) or a laser scanner. The emboss information read from the magnetic card is stored by the main control section 21 in the main storage section 23 as image data.

After checking the validity of the account information read from the magnetic card and the operation by the CR1 display device 10, the account balance etc. are checked by communication with the host computer via the transmission control section 22.

If the validity of the transaction is determined by this check, the payment transaction is executed. That is, the magnetic card is returned to the customer through the card insertion slot 5. Further, a designated amount of banknotes is taken out from the banknote deposit/withdrawal unit 12 and dispensed from the bill deposit/withdrawal port 9, and a designated amount of coins is taken out from the coin deposit/withdrawal unit 14 and dispensed with the coin deposit/withdrawal port 8. . Furthermore, the slip output section 17
As a result of the above-mentioned transaction, a transaction statement slip is created in which the dealer number, equipment number of the device 1, date and time of transaction, payment amount, balance, etc. are printed, and is issued from the slip issuing port 6.

In addition, various data information related to this transaction, such as the result of the transaction, a series of operating conditions, the amount of paid currency by denomination, and communication data with the host computer, are associated with the image data and stored in the main memory. The information is stored in the section 23.

Thereafter, the data information and image data stored in the main storage unit 23 are edited into a form that is easy to search by adding keywords, etc., and further converted into a form that conforms to the recording format of the optical disc. Then, the main control section 21
The information is then sent to the optical disk device 20, and written on the optical disk by the optical disk device 20, thereby being saved as a transaction record.

In this way, the results of various transactions are accumulated and recorded on the optical disc as transaction records (history).

Next, a search operation for finding a desired transaction record from among the transaction history recorded on the optical disc will be explained.

For example, if a record of a certain transaction is required, the internal monitor 13 is operated by the clerk. Then, in response to a manual input such as an instruction to search the history, the corresponding transaction record is read out from the optical disk by the optical disk device 20. This read transaction record is displayed to the staff member on the internal monitor 13, and
It is sent to the slip output section 17 via the main control section 21.

In this way, the transaction record (retrieval result) read from the optical disk is printed on a slip and issued to the clerk from the slip issuing port 6.

As described above, the embossed information (image data) read from the magnetic card is recorded on the optical disk along with various data information related to the transaction, thereby preserving evidence of the card presentation.

In other words, transaction records can be stored in a removable manner like an optical disk.
In addition, they are managed using large-capacity recording media. This makes it possible to manage transaction history without using a paper journal. Therefore, compared to paper journals, it does not take up much space to store.
Moreover, the time required to search for the necessary transaction records can also be reduced.

Furthermore, if a write-once (non-rewritable) type optical disc is used, for example, there is no risk of accidental erasure, and the disc has excellent preservation as evidence. vice versa,
When a rewritable optical disk is used, transaction records can be easily reused after the storage period has elapsed.

Although the above embodiments have been described using an optical disk as an example, the present invention is not limited to this, and various types of recording media that are removable and have a large capacity may be used.

Further, the transaction medium is not limited to a magnetic card; for example, an ID card having an IC chip may be used.

Moreover, although image data, which is embossed information, is recorded, it is also possible to record various information on a form such as a bill, for example, as identification information.

Below, a case will be described in which various information on a form is read and this image data is recorded.

FIG. 3 shows a telephone bill payment slip P as an example of a form.

In this case, the payment slip P consists of a receipt P1, a notice P 2 to the issuer, and a copy P3 from the financial institution.

When a payment transaction (collection of fees) is performed using such a payment slip P, the form unit 16 prints, for example, receipt details G on the payment slip P as a result of the transaction.

Therefore, for example, imagine the information in the notice P2 to the issuer of the payment slip P, especially the part where the receipt details G are printed, such as the bank name, branch name, date, and letters of the receipt. Record it as data. This makes it possible to eliminate the need for transporting and storing the notice P2 to be returned to the issuer, and great labor savings can be expected.

Further, in the above embodiment, the transaction records are searched within the automatic transaction device main body, but a search device separate from the main body may be used.

FIG. 4 shows an example of the configuration of a search device.

That is, the search device includes a control section 31 that controls the whole, an operation section 32 that inputs search instructions, a display section 33 that displays searched transaction records, a printing section 34 that prints out the searched transaction records at high speed, and a reading section 35 that searches and reads transaction records from a recording medium such as an optical disk.

By using this search device, an independent search operation becomes possible even when the automatic transaction device is executing another transaction.

Furthermore, the printing unit 34 of the search device allows efficient printing.

Note that it is not necessary to prepare a search device for each automatic transaction device, and it is useful in terms of search frequency if a plurality of automatic transaction devices are assigned to one search device.

It goes without saying that various other modifications can be made without departing from the gist of the invention.

[Effects of the Invention] As detailed above, according to the present invention, transaction records are recorded on a removable, large-capacity recording medium without using a paper journal, which saves storage space for transaction records. Therefore, it is possible to provide an automatic transaction device that can reduce the amount of time required and speed up the processing related to searching.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention, and FIG. 1 is a block diagram showing the configuration of an automatic transaction device, FIG. 2 is a partially cutaway external perspective view of the automatic transaction device, and FIG. FIG. 4 is a block diagram showing an example of the configuration of a search device. DESCRIPTION OF SYMBOLS 1... Automatic transaction device, 2... Main body, 3... Customer service operation section, 10... CRT display device, 11... Card unit, 12... Banknote deposit/withdrawal unit, 13... Internal monitor, ]4... Coin deposit/withdrawal unit, 15...
Passbook unit, 16... Report unit, 17... Slip output section, 20... Optical disk device, 21... Main control section, 23... Main storage section. Figure 1 Figure 1

Claims (1)

[Claims] A reading means for reading unique identification information from a transaction medium owned by a customer; a confirmation means for confirming the legitimacy of the customer from the identification information read by the reading means; The present invention is characterized by comprising a processing means for executing a predetermined transaction when legitimacy is confirmed, and a recording means for recording the result of the transaction by the processing means and the identification information on a removable recording medium. Automatic trading device.