JPH0432436B2 - - Google Patents

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to an automatic transaction device such as an automatic cash dispenser/deposit machine or an automatic deposit machine that is operated by a user to perform transactions such as payments or deposits. In particular, the present invention relates to an automatic transaction device that can shorten transaction processing time for deposits.

Recently, automatic deposit machines (AD) and automatic teller machines (automatic teller machines) have been introduced at counters of financial institutions as part of computer banking systems.
Automated transaction devices such as ATMs are widely used.

These devices usually allow transactions such as cash payments, deposits, and transfers to be made by inserting a credit card (mainly a magnetic card) or a bankbook, and inputting transaction information from a keyboard.

Due to their convenience, they are highly used and the number of machines installed is increasing, but users are often seen queuing in front of automatic transaction machines, and therefore there is a need for machines that can shorten the transaction processing time, especially for deposits. desired.

[Conventional technology]

FIG. 3 is a perspective view illustrating a conventional automatic teller machine;
4 is a block diagram of FIG. 3, and FIG. 5 is a flowchart of FIG. 4.

As shown in FIG. 3, a conventional automatic teller machine has a card insertion slot 2 in which a credit card is inserted, a bankbook insertion slot 3 in which a bankbook (not shown, but hereinafter referred to as a bankbook 10) is inserted, at the top of the front panel of the device 1, as shown in FIG. A keyboard 4, a display section (hereinafter referred to as CRT) 5, a cash slot 6, and a cash return slot 7 are provided below them. The cash slot 6 and the cash return slot 7 are arranged one behind the other at the same position, and share a shutter (not shown).

Further, in FIG. 4, 8 is a main control unit, which has a function of inquiring about account number etc. to a center (not shown);
It has arithmetic, counting, and printer functions, and has the function of controlling each part to execute a transaction processing program for deposits. Reference numeral 9 denotes a key input control section, which has the function of confirming data input from the keyboard 4 and sending it to the main control section 8. Reference numeral 11 denotes a display control unit, which controls the data sent from the main control unit 8 as a display unit.
It has a function to display on CRT5. Reference numeral 12 denotes a reading unit which has a function of reading data on the magnetic stripe of the passbook 10 or writing data to the magnetic stripe. 13 is a reading control unit which controls reading or writing of data by the reading unit 12, and
It has a function of sending read data to the main control unit 8. 1
Reference numeral 4 denotes a discrimination section, which has the function of distinguishing between authenticity and denomination of cash and counting. Reference numeral 15 denotes a discrimination control section which has a function of controlling the discrimination and counting of the discrimination section 14.

A deposit flow using an automatic teller machine having such a configuration will be explained with reference to FIG.

First, when the customer presses the deposit button on the keyboard 4, a display prompting the customer to insert the passbook 10 is displayed on the CRT 5, and when the customer inserts the passbook 10 into the passbook insertion slot 3 according to the display, it is determined that it is the passbook 10, and the The passbook is inhaled to the reader position, customer data such as account number is read, it is checked whether the transaction is possible, and if it is "possible", a display appears on the CRT 5 prompting the user to insert cash. When a customer inserts cash into the cash slot 6, the cash is authenticated and denominated and counted in a discrimination section 14, and the amount is displayed on the CRT 5.

When the customer confirms this amount and presses the confirmation button on the keyboard 4, the process proceeds to the next processing step. That is, cash is stored in a storage safe (not shown), transaction details are printed on a bankbook 10 by a printer, and the transaction information is sent to the bankbook insertion slot 3.

When the check of the bankbook 10 indicates that the transaction is "no", the bankbook 10 is returned to the bankbook insertion slot 3.
The transaction medium for automatic transactions for this deposit is passbook 10.
Deposits can also be made with a credit card, and in this case, the card is inserted into the card insertion slot 2, checked in the same way, and the details of the transaction are printed and issued on a receipt. .

[Problem that the invention seeks to solve]

The problem with the conventional automatic teller machines described above is that various checks are performed during the inhalation and reading process of a passbook or credit card as a transaction medium, and it is confirmed that the transaction medium is correct and that the transaction is possible based on the data. Since the cash is then inserted, identified, and counted, the time required to insert the passbook into the reader and check the reading is, for example, about 5 seconds.
On the other hand, the time required to identify and count cash naturally varies depending on the amount of money, but it takes, for example, about 7 coins/second.Therefore, since the cash is processed in series, a problem arises in that it takes a long time to process.

In view of the above-mentioned problems, the present invention simultaneously performs inhalation of a passbook as a transaction medium, data reading processing, and cash insertion, discrimination, and counting processing when making a deposit in an automatic payment/deposit machine or automatic teller machine. Accordingly, the present invention aims to provide an automatic transaction device that can quickly process transactions for deposits.

[Means for solving problems]

According to the present invention, after the deposit button is pressed, the correctness of the inserted transaction medium is determined by the medium inhalation permission determination unit based on the detection signal from the detection unit, and the determination result is that it is the correct transaction medium and can be inhaled. Accordingly, on the one hand, the main control section further sucks the transaction medium to the position of the reading section via the reading control section, and at the same time, on the other hand, the cash reception activation command section is controlled, and the cash reception activation command section displays a display prompting cash insertion. , opens the shutter of the cash slot and controls the discrimination control section, and when cash is inserted, the discrimination section distinguishes the authenticity and denomination of the cash and counts them under the control of the discrimination control section. The result and the end of the discrimination counting are determined by the discrimination processing completion determination section, and the customer data such as the account number of the transaction medium that has been sucked into the reading section is read by the reading section under the control of the reading control section. The read contents are collated by the main control unit and the center under This is achieved by an automatic transaction device characterized in that the main control section displays the inserted amount on the display section depending on the agreement of the judgments.

[Function] According to the present invention, when a transaction medium such as a passbook or credit card is inserted into an automatic payment/deposit machine or automatic teller machine, it is immediately determined whether or not it is correct, that is, the transaction medium is further sucked into the reading section. Based on the determination result of the medium inhalation permission determination unit, which determines whether or not the transaction is possible, the main control unit 8a reads the customer data of the transaction medium such as a passbook or credit card, gives instructions to insert cash, and identifies the inserted cash. By performing the calculation and counting simultaneously and performing parallel processing, it becomes possible to significantly shorten the processing time for transaction processing for deposits.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 1 and 2.

FIG. 1 is a block diagram showing an embodiment of the present invention, and FIG. 2 is a flowchart of FIG. 1. The same reference numerals indicate the same objects throughout the figures.

In FIG. 1, the main control unit 8a has the functions of the main control unit 8 described in the conventional example, and also performs parallel processing of inhalation of a passbook 10 or credit card, data reading, cash reception operation, cash discrimination, and counting. It has the function to control.

The detection unit 16 detects, for example, a page mark written on the top of the passbook 10 opened and inserted from the passbook insertion slot 2, and reads the detection signal from the control unit 13.
It is sent to a.

The medium inhalation determination unit 17 is a determination unit that determines whether or not the inserted bankbook is correct based on the detection signal received from the detection unit 16 via the reading control unit 13a, and determines that it is the correct bankbook. In this case, it has a function of sending a determination signal to the reading control section 13a and the cash reception activation command section 19. In this case, if it is determined that the passbook is correct, the main control unit uses a signal from the reading control unit to further suck the passbook up to the reading unit, and if it is an incorrect passbook, it returns the passbook and displays it on the display. Display a message prompting you to insert the correct passbook.

The cash reception activation command unit 19 controls the display prompting cash insertion and the opening of the shutter of the cash slot 6 based on the determination signal sent from the medium inhalation permission determination unit 17, and also controls the discrimination control unit 15. It has the function of giving commands.

The reading means includes a reading section 12, a reading control section 13a, and a read data determining section 18, and the reading section 12 includes:
The reading control unit 13a has a function of reading the data on the magnetic stripe of the bankbook 10 that has been sucked up to the position of the reading unit under the control of the main control unit, or writing data to the stripe. It is sent to the medium inhalation possibility determining section 17, and is sent to the reading section 12 based on the determination result in the medium inhalation capability determining section.
It also has a function of controlling to further draw the passbook into the position of the reading section via the main control section. The customer data read by the reading unit 12, such as bank number, account number, account number, etc., is verified by the main control unit 8a and a center (not shown) via the reading control unit, and based on the verification result, whether or not a transaction is possible is determined. The read data determining unit 18 determines whether or not the data is read.

The cash discrimination means includes a discrimination section 14, a discrimination control section 15, and a discrimination processing completion determination section 20, and the discrimination section 14 has a function of discriminating the authenticity and denomination of cash and counting it.
The discrimination control section 15 and the main control section have a function of controlling the discrimination and counting of the discrimination section 14, and the discrimination and counting and the results thereof are outputted from the discrimination processing end determination section. That is, for example, when there is no more cash in the cash slot 6, a signal is received and it is determined that the differential counting process has ended.

The AND circuit 21 includes the read data determination section 18
The output of the above is compared with the output of the discrimination processing completion determination section 20 to check whether the deposit processing is possible or not. If the contents of the passbook are correct and the inserted cash is correct and the deposit processing is OK, the match is confirmed. The output is sent to the main control section 8a. If the contents of the passbook are not correct or the deposited cash is not legal, the deposit processing is disabled and the result is sent to the main control unit. The main control unit thereby performs the process of returning the bankbook and cash.

A deposit flow in an automatic teller machine or an automatic teller machine, which is an automatic transaction device having such a structure and function, will be explained with reference to FIG.

First, when the customer presses the deposit button on the keyboard 4, a display prompting the customer to insert the passbook 10 is displayed on the CRT 5.

The bankbook 10 is inserted through the bankbook insertion slot 3 according to the display.

As a result, the detection unit 16 detects, for example, a page mark written on the top of the opened and inserted bankbook 10, sends a detection signal to the medium suction permission determination unit 17, and confirms that the bankbook is correct and that the contents are read. A determination is made as to whether inhalation is allowed up to or including an incorrect passbook.

If "No", the passbook 10 is returned to the passbook insertion slot 3, a display prompting the user to insert the correct passbook is displayed, and the process waits for the correct passbook 10 to be inserted.

If “OK”, a signal is sent to the cash reception activation command unit 19 and the reading control unit 13a, and the cash reception activation command unit displays a display prompting cash insertion, opens the shutter of the cash insertion slot, and displays the cash reception activation command unit 19 and the reading control unit 13a. Start.

In the case of a positive passbook 10, the passbook 10 is further read by the reading unit 1 under the control of the main control unit via the reading control unit.
The customer data is read there, and the read content is compared between the main control unit and the center via the reading control unit, and the read data determination unit determines whether the transaction is possible or not based on the verification result.

At the same time, the cash reception activation command unit 19 instructs the discrimination unit 14 via the discrimination control unit 15 to discriminate and count the cash inserted from the cash slot 6, and to finish the discrimination and counting and to check the results. It is output from the classification processing end determination section 20 under the control of the classification control section and the main control section.

The transaction permission from the read data judgment unit 18 and the discrimination result from the discrimination processing completion judgment unit 20 are given to the AND circuit 21, and if the inserted cash and the data in the passbook are positive, the result is determined by the output from the AND circuit 21. Then, the main control section 8a sends the discriminated and counted amount to the display control section 11 and displays it as a display section.
Display on CRT5.

When the customer visually confirms this amount and presses the confirmation button on the keyboard 4, the process proceeds to the next processing step.

If the read data is checked and the transaction is negative, the passbook 10 is sent back to the insertion slot 3.
The cash is returned to the return slot 7.

In this way, by performing the inhalation of the passbook 10, the data reading process, and the cash insertion, discrimination, and counting processes in parallel, cash transactions can be processed quickly, and the service to customers can be improved. It is possible to realize the efficient use of

〔Effect of the invention〕

As explained above, according to the present invention, it is possible to shorten the processing time for transactions in the case of deposits, so there are advantages such as improved service to customers and the ability to use automated transaction devices efficiently. Therefore, it is possible to provide an automatic transaction device that can be expected to have significant economical and reliability improvement effects.

[Brief explanation of drawings]

Fig. 1 is a block diagram showing an embodiment according to the present invention, Fig. 2 is a flowchart of Fig. 1, Fig. 3 is a perspective view illustrating an automatic transaction device, and Fig. 4 shows the conventional method of Fig. 3. Control block diagram, Figure 5 is the 4th
This is a flowchart of the figure. In the figure, 1 is the device, 3 is a bankbook insertion slot, 4 is a keyboard, 5 is a CRT as a display unit, 6 is a cash slot, 8 and 8a are main control units, 9 is a key input control unit, and 11 is a display control unit. part, 12 is a reading part, 13,
13a is a reading control unit, 14 is a discrimination unit, 15 is a discrimination control unit, 16 is a detection unit, 17 is a medium inhalation permission determination unit, 18 is a read data determination unit, 19 is a cash reception activation command unit, and 20 is the end of the discrimination process Judgment department, 21
An AND circuit is shown.

Claims (1)

[Claims] 1 After pressing the deposit button, the correctness of the inserted transaction medium is determined by the medium inhalation permission determination unit based on the detection signal from the detection unit, and based on the determination that it is the correct transaction medium and can be inhaled, the reading control is performed on the one hand. The main control unit further sucks the transaction medium to the position of the reading unit, and at the same time, the cash reception activation command unit is controlled on the other hand, and the cash reception activation command unit displays a display prompting cash insertion and closes the shutter of the cash insertion slot. , and controls the discrimination control section, and when cash is inserted, the discrimination section distinguishes the authenticity and denomination of the cash and counts them under the control of the discrimination control section.The discrimination counting result and the end of discrimination counting are performed. is determined by the discrimination processing completion determination section, and customer data such as account number of the transaction medium that has been sucked into the reading section is read by the reading section under the control of the reading control section, and is then read by the reading section under the control of the reading control section. The read contents are collated by the department and the center, and based on the collation results, the read data determination unit determines whether or not the transaction is possible. Based on the agreement between the yes result from the read data determination unit and the yes decision from the discrimination processing completion determination unit, An automatic transaction device characterized in that the main control section displays the amount of money inserted on the display section.