JPH0469770A - Transaction processing system - Google Patents

Abstract

PURPOSE:To improve the operability of an ATM by constituting the system so that data generated by an electronic pocketbook in accordance with a format set in advance is transmitted to an automatic machine, and the automatic machine executes a necessary processing, based on its transmitting data. CONSTITUTION:In an automatic cash transaction device (ATM) 100, a terminal 151 which can be connected to an electronic pocketbook 155 through a communication cable 153, and an insertion port 150 of a memory card 152 detached from the electronic pocketbook 155 are provided, respectively, and a customer generates in advance data by the electronic pocketbook 155. In such a state, when the electronic pocketbook 155 is connected to an automatic machine, or when the memory card is detached from the electronic pocketbook 155 and inserted into the automatic machine, the preparation for a data communication is completed. When the customer pushes a start button, necessary data is inputted in a lump to the automatic machine, and the automatic machine executes a prescribed processing. Also, the customer receives information from the automatic machine in accordance with necessity. In such a way, the operation time of the ATM can be shortened without being influenced by different operability of each maker, and the operation can be executed efficiently.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a transaction processing system between an automatic machine and its user, and particularly relates to the operation of an automatic teller machine or an automatic ticket issuing machine for passengers.

[Conventional technology]

In a conventional device of this type, as described in Japanese Patent Application Laid-Open No. 58-208870, a customer inputs a transfer destination using a card or key operation. Next, a message asking the customer to input the amount to be transferred is displayed on the CRT, and the customer inputs the amount using keys. The customer is prompted to choose whether to deposit the fee in cash or withdraw it from the payer's account, and the customer selects the method. CRT
The screen changes to a screen asking you to add the amount to be transferred in the case of an account withdrawal, or add a fee to the transfer amount in the case of a cash deposit, and then insert the amount of banknotes rounded down to the smallest unit of banknotes that can be handled. Once it is confirmed that the required amount of banknotes has been inserted, the transfer process is performed. In either case, the change was deposited into the payer's account.

Below, the case of a money transfer processing device is cited as an example.

Recently, processing machines have been developed that have a function of issuing a special cart with the processing details recorded therein, in order to reduce the customer's effort when performing the same transfer processing multiple times.

In other words, the customer needs to perform the above-mentioned complicated operations when making the first transfer, but from the second time onward, the transfer process can be completed with a minimum of operations by inserting the special card into the processing machine. be able to.

[Problem to be solved by the invention]

Conventional techniques A and TM do not give consideration to the customer's operability, and there is a problem in that the transfer process is particularly complicated, and for example, the transfer process takes a lot of time.

Further, the above-mentioned dedicated transfer card cannot be used except for the same transfer, and has a drawback in terms of versatility.

In addition, automatic passenger ticket machines are limited to short distances that can display maps or routes.

The main purpose of the present invention is to improve the operability of ATMs and to provide an automatic ticket issuing machine for long-distance tickets for passengers. Another purpose is to provide an automatic machine that can provide customers with information from an ATM or the like and, for example, sell new products.

[Means to solve the problem]

In order to achieve the above purpose, electronic notebooks, which are currently becoming popular, are used as a means of data input to automatic machines and two-way data communication. Remove it from the electronic notebook,
This is accomplished by inserting the card into an automatic machine to perform data communication.

[Effect]

The customer enters data according to the purpose into the electronic notebook according to a preset format. If the input data has already been entered, all you need to do is call up that data, correct only the parts that need to be changed, and re-register.

Preparations for data communication are completed by connecting the electronic notebook to the automatic machine, or by removing the memory card from the electronic notebook and inserting it into the automatic machine.

When the customer presses the start button, the necessary data is input into the automatic machine all at once, and the automatic machine performs the prescribed processing.

Customers can also receive information from automated machines as needed.

〔Example〕

Embodiments of the present invention will be described below with reference to FIGS. 1 and 2. In FIG. 1, an automatic teller machine 100 is provided with a terminal 151- and an insertion slot 1-50 for a memory card 152 removed from an electronic notebook 155 so as to be connectable to an electronic hand 155 via a communication cable 153. It is set up.

In addition, automatic teller machine (hereinafter referred to as ATM) i-00
110. Operation panel/CRT display] 209 Passbook entrance 140. Cash card entrance 1
50a, a keyboard 1-]-0, etc. are arranged, and the structure is such that normal deposit and withdrawal operations can be performed using a cash card and a passbook.

Figure 2 shows ATM 100 created using electronic notebook 155.
This is the content of the RAM area of the memory card 152. [The contents of the account number indicate the bank name, the store number, the account number, and may also include the individual's personal identification number.

The customer has previously created data as shown in FIG. 2 in the electronic notebook 155. In FIG. 2, the first data is a header indicating the type of transaction.

(a) shows a deposit transaction, (b) a withdrawal transaction, (C) a collection transaction for March's utility charges, and (d) a transfer transaction.

Note that if an account number is not specified in the collection of utility charges in (c) and the transfer transaction in (d), the deposit will be determined to be cash, and the ATM 100 will determine that the banknotes will be inserted into the banknote deposit/withdrawal port 11.0. do. In addition, the deposit balance for each transaction in (a) and (b), and the total amount or fee for each transaction in (c) and (d) are ATMlo
This is the received data from o.

The customer will submit any of the data from (a) to (d) in an electronic notebook]
55, and connect the communication cable 153 to terminal 1.
5] or insert the memory card 52 D 15
0, and if necessary, insert the banknote into 10 and press the start button (not shown) on the operation panel 1, 20.
When is pressed, the input data is input into A, T Ml, and OO all at once, the contents are monitored on the CRT display, and when a confirmation button (not shown) on the operation panel is pressed, a predetermined transaction is performed. If there is an error in the transaction details, they can be corrected using the keyboard 110. Note that if there is sufficient free space in the RAM area, it is also possible to receive information on new products from the store.

By the way, the point that must be taken into consideration when communicating data between A. TMloo and the electronic hand @]-55 is security.
This is a problem.

The present invention attempts to ensure security as follows. In other words, the customer must use the electronic notebook 155 before the transaction.
If you do not clear the password for the input data, ATMJ
The system is configured such that data communication with -00 is impossible. Furthermore, when data communication is completed a preset number of times (usually once), a password is automatically set.

If multiple data communications are allowed, the electronic hand @155 automatically sets a password when a preset time has elapsed after the start of the first data communication. Therefore, only the customer himself/herself can unlock the password, and even if the password is lost or stolen, there is almost no risk of it being misused.

Another embodiment of the present invention will be described with reference to FIGS. 3 and 4. Figure 3 shows a nice view of an automatic ticket vending machine at a station. Note that this is an example in which the same ATMloo as in the embodiment described above is also installed outside the store.

A group of short-distance ticket issuing machines 500 and a long-distance ticket issuing machine 350 are installed. This long-distance ticket issuing machine 350 has a large display 350a and a connection terminal 310 for connecting to the electronic notebook 155.
Memory card insertion slot 3002 Banknote insertion slot 330. Prepay card insertion slot 320. It consists of a ticket and change outlet 340° and an auxiliary function key 360.

Similar to FIG. 2, FIG. 4 shows input data to the long-distance ticket issuing machine 350 created using the electronic notebook 55, which is the contents of the RAM area of the memory cart 152.

In Figure 4, data 1 is the boarding station name, auxiliary data (car name or prefecture name), boarding date, and data 2 is the getting off station name,
The end shows the exit. Data 3 to 6 are the names of lines passing through. Data 7 is the express train name, seat reservation, and presence or absence of green car designation, and data 8 is the section used. Similarly, data 9 and 10 are the name of the limited express train and the section in which it is used. Data 11 is the name of the sleeper train and the section used. There is no need to specify the usage section except in special cases. If no designation is made, the ticket issuing machine will automatically make the determination.

Data 12 and 13 are the data received from the ticket issuing machine. A customer must input data like the one shown in Figure 4 electronically at @1 in advance.
55 and connect it to the terminal 310, or remove the memory cart from the electronic notebook 155 and insert it into the insertion slot 300 of the ticket issuing machine 350, and press the start button on the auxiliary function keyboard 360 to start the ticket issuing machine. Preparation is complete. The contents will be displayed on a large display, along with guidance prompting you to insert banknotes or prepaid cards. If there is an error in the content at this time, it can be corrected using the auxiliary function keyboard 360.

When a customer inserts a prepaid card into the bill slot 330 or the card slot 320, the ticket issuing machine performs the processing,
Output port 340 along with the desired ticket and change in some cases.
If you use a prepaid card, the card will be returned and the ticket issuing process will be completed. Note that in this embodiment as well, it is necessary to ensure security using a password as in the previous embodiment.

In the case of this embodiment, the user can conveniently withdraw money from an ATMiOO installed outside the store and obtain a long-distance ticket even if he or she does not have cash in his or her possession.

Note that the present invention is not limited to the above embodiments. For example, information on currently popular cash cards, credit cards, or specific bank cards can be transferred to an electronic notebook. If automatic machines like those described in Section 2 become widespread in the future, similar data communications will become possible at hotels, hospitals, department stores, and various agencies, allowing multiple cards of various types to be shared. The transaction processing system of the present invention is also applicable to various transactions such as those listed below.

〔Effect of the invention〕

According to the present invention, since the data input to the ATM is created using an electronic notebook, it is possible to shorten the operation time of A and TM without being affected by the different operability of each manufacturer, and it is possible to improve efficiency even in crowded times. operation becomes possible.

Furthermore, by inputting digital data, it is possible to realize completely automated transactions for utility charges, which were difficult to input in images due to the various bill formats.

Furthermore, it is possible to provide a long-distance ticket issuing machine for passengers, which has been difficult with the prior art.

[Brief explanation of the drawing]

Figure 1 is a diagram for explaining an embodiment of the present invention, Figure 2 is a diagram for explaining an example of data in the memory card 1 used in Figure 1, and Figure 3 is a detailed explanation of the present invention. FIG. 4 is an explanatory diagram of an example of data on the memory card used in FIG. 3. 100... Automatic teller machine, 150 - Memory cart insertion slot, 151... Connection terminal, 152... Memory car l ~, 153 Communication cable, 155 - Electronic notebook,
350...Long distance automatic ticket issuing machine, 300...Memory card insertion slot, 310...Connection terminal. =5

Claims (1)

[Claims] 1. In a transaction processing system that performs data communication between an electronic notebook and an automatic machine, data created in the electronic notebook according to a preset format is transmitted to the automatic machine, and the automatic machine transmits the data to the automatic machine. A transaction processing system characterized by performing necessary processing based on transmitted data. 2. A transaction processing system that performs data communication between an electronic notebook and an automatic machine, characterized in that the electronic notebook receives data from the automatic machine. 3. The transaction processing system according to claim 1 or 2, wherein data communication is permitted only when the password of the electronic notebook is released. 4. The transaction processing system according to claim 3, wherein a password for the electronic notebook is automatically set when a pre-specified number of data communications are completed. 5. The transaction processing system according to claim 3, wherein a password for the electronic notebook is automatically set after a preset time has elapsed, regardless of the presence or absence of data communication.