JPH05342442A - Automatic cash dispenser - Google Patents

Abstract

PURPOSE:To provide the automatic cash dispenser which can improve processing efficiency. CONSTITUTION:This automatic cash dispenser 1 is provided with plural portable input means 2A and 2B to respectively successively send out cash dispensation information based on transaction information read from a transaction medium and cash request information to be inputted, control means to send out cash dispensation permission information corresponding to the respective input means 2A and 2B in the order of respectively receiving the cash dispensation information from the respective means 2A and 2B, and cash output means 4 to continuously perform cash discharge processing corresponding to the cash dispensation information from the respective input means 2A and 2B based on the cash dispensation permission information from this control means. Thus, processing from the insertion of the transaction medium to the output of cash can be parallelly performed to plural persons, and processing efficiency can be improved.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash automatic payment processing apparatus, and more particularly to a cash automatic payment processing apparatus suitable for being installed in a customer service space of a financial institution or the like.

[0002]

2. Description of the Related Art A conventional automatic cash processing apparatus (hereinafter referred to as "A"
Also called "TM". ) Includes display means for displaying various transaction information, input means such as a keyboard, reading means (reader) for reading information of a card or passbook, cash output means, communication means with a host computer, and the like.

The cash payment processing in the automatic cash processing apparatus will be described with reference to FIG. 10 and FIG. 11, taking a case of dealing with two customers as an example.

The processing period for information input is A1,
A2, the processing period in the host computer is B1, B2,
The processing period of the cash output means is represented by C1 and C2, and the period required for the user to retrieve the cash and the statement is represented as D1 and D2.

First, the ATM reader reads the information of the inserted card or passbook (ST51), and subsequently inputs the personal identification number, the amount of money, etc. (ST52, ST5).
Send to the host computer together with the information in 3) (ST
54). The host computer performs processing such as collation by account number and PIN and calculation of balance (ST5
5) If there is no problem, send execution permission and necessary information to ATM.

Upon receiving an instruction from the host computer, the ATM counts cash and prints a statement (ST56, ST5
7) and then return the card or passbook (ST5
8) The statement and cash are output (ST59).

As shown in FIG. 10, the total processing time t2 required for such a series of processing is, as shown in FIG. 10, the processing periods for information input A1, A2 and the processing period C1 for the cash output means.
It is the sum of C2, D1 and D2 and the processing periods B1 and B2 in the host computer.

[0008]

By the way, it is general to increase the number of ATMs in order to increase the efficiency of customer processing in ATMs. However, in this case, problems such as an increase in occupied space, an increase in time for replenishing cash, and an increase in cost are likely to occur.

There is also a problem that when a person who uses the ATM is crowded and a person who is not accustomed to handling the machine uses the ATM, the process does not proceed smoothly and the person who is lined up later is kept waiting. This is because one of the conventional devices performs serial processing for each device, and one of the causes is that the process from card or passbook insertion to cash discharge is serially performed for each device. In other words, unless the processing by one input means and reading means is completed, ATM
This means that the part related to cash release, which is the latter stage process, does not operate.

Therefore, an object of the present invention is to provide a cash automatic payment processing apparatus capable of performing processing from inserting a transaction medium to discharging cash for a plurality of people in parallel and improving processing efficiency. And

[0011]

The invention according to claim 1 is
Multiple portable input means for sending cash payment information each time based on the transaction information read from the transaction medium and the input cash request information, and each input in the order of receipt of each cash payment information from each input means Control means for sending cash payment permission information corresponding to the means, and cash output means for continuously performing cash discharge processing according to the cash payment information from each input means based on each cash payment permission information from this control means It is a cash automatic payment processing device provided with.

According to a second aspect of the present invention, the cash output means comprises a terminal mounting portion to which the input means can be mounted, and controls by fetching cash payment information from the input means mounted on the terminal mounting portion. The cash automatic payment processing device sends the cash payment information to the means and continuously performs the cash discharge processing according to the cash payment information from each input means based on each cash payment permission information from the control means.

[0013]

The operation of each automatic cash processing apparatus described above will be described below.

Each input means in the automatic cash payment processor according to claim 1 sends out cash payment information as needed based on the transaction information read from the transaction medium and the input cash request information. The control means sends the cash payment permission information corresponding to each input means in the order of receipt of each cash payment information from each input means. The cash output means continuously performs cash discharge processing according to the cash payment information from each input means based on each cash payment permission information from the control means.

By such an operation, the input processing of a plurality of users is performed in parallel, the cash payment permission information of the control means is sent in the order of receipt of each cash payment information, and the cash discharge processing of the cash output means is continuously performed. Can be done in
The entire processing time becomes shorter than that of the conventional example, and the processing efficiency can be improved.

The cash output means in the automatic cash processing apparatus according to claim 2 fetches the cash payment information from the input means mounted on the terminal mounting portion, sends the cash payment information to the control means, and from the control means. Based on each cash payment permission information, the cash discharging process according to the cash payment information from each input means is continuously performed.

This makes it possible to carry out cash discharge processing for a user who has brought the input means to the cash output means while the input means is attached to the cash output means, thereby eliminating errors in the cash discharge processing.

[0018]

EXAMPLES Examples of the present invention will be described in detail below.

The automatic cash payment processing apparatus 1 shown in FIG. 1 has a plurality of portable information cards which send out cash payment information as needed based on transaction information read from a card as a transaction medium and input cash request information. Input means 2A, 2B, host computer 3 as control means for sending cash payment permission information corresponding to each input means 2A, 2B in the order of receipt of each cash payment information from each input means 2A, 2B, and this host computer The cash output means 4 continuously performs the cash discharge processing according to the cash payment information from each of the input means 2A and 2B based on each cash payment permission information from each of the cash payment permission information. FIG. 4 shows an arrangement example of the input means 2A and 2B and the cash output means 4.

The input means 2A is, as shown in FIG.
It is in the form of a handy terminal that can be configured, and a keyboard 5 for inputting amount information as cash request information,
Display unit 6, reading means (reader) 7 for reading transaction information attached to card C (or passbook), auxiliary CP for creating cash payment information based on the amount information and transaction information
U8, a host interface 9 that sends cash payment information to the host computer 3 and receives management information from the host computer 3, a communication interface 10 that sends and receives various information to and from the cash output means 4, and prepares for the user. After it is made, the user can output cash 4
It has a voice output unit 11 for calling to.

As shown in FIG. 3, the cash output means 4 has a main CPU 12 for controlling the whole and a communication interface 13 for transmitting and receiving various information to and from the input means 2A.
A terminal mounting portion 14 to which the input means 2A can be mounted,
A display unit 15, a storage unit 16, a host interface 17 for receiving payment permission information from the host computer 3, a passbook processing unit 18, a statement processing unit 19, and a cash processing unit 20 are provided.

FIG. 4 shows an example of the arrangement of the automatic cash payment processor 1, in which two cash output means 4 are installed at the service corner 30 of a financial institution and a table 32 is arranged near the entrance 31. The input means 2A and the input means 2B having the same structure as the input means 2A are installed.

Next, the operation of the automatic cash processing apparatus 1 described above will be described with reference to FIGS. 5 to 8.

The cash payment processing is roughly performed by accepting a card (or passbook) C, processing related to user access such as input of a personal identification number and an amount of money, processing related to a host computer performing collation processing from input information, cash processing. It can be divided into three types of output processing.

The first process is a process from the reception of the card C by the input means 2A to the transmission of information such as information, amount of money, and secret code to the host computer 3. In the second processing, the personal computer collates the password within the host computer 3, confirms whether or not the payment is made, and outputs the result and necessary information to the cash output means 4.
It is a process until it is sent to.

The third process is a process of printing a statement in the cash output means 4 and counting and paying cash in the safe.

In this embodiment, one of the three processes is
Separate the third process and the third process into separate aircraft,
Efficient operation can be achieved by changing the conventional serial processing to parallel processing that operates separately.

The operation of the automatic cash payment processor 1 will be described below.
An example will be described in which two users use the card C to withdraw cash respectively.

In the service corner 30 of the financial institution, two users pick up and use the input means 2A and the input means 2B, respectively, and cause the reading means 7 to read the transaction information of the card C (ST1). Further, the personal identification number and the amount request information are input from the keyboard 5 (ST2).

The input means 2A and the input means 2B independently confirm input errors of these information (ST
3) The cash payment information is sent to the host computer 3 by wire or wireless as shown in FIG. 9 (ST4).

The host computer 3 has input means 2A,
Each cash payment information from the input means 2B is received (ST
5) Then, the account number, personal identification number, and balance are collated in the order received (ST6).

If there is no problem (ST7), the host computer 3 sends to the cash output means 4 cash payment permission information including execution permission, output amount, items described in the specification, etc. (ST9, ST10, ST11).

In step 7, when the collation result is not acceptable, the cash payment inability information is sent to the cash output means 4 (ST.
8).

When cash payment permission information is received from the host computer 3 (ST12, ST13), the statement processing unit 19 and the cash processing unit 20 of the cash output means 4 prepare the statement and cash respectively (ST15), Also, the input means 2
A, the voice output unit 11 of the input means 2B calls the user by sound (ST16).

Further, a message of preparation completion may be displayed on each display section 6 of the input means 2A and the input means 2B.

At the time of withdrawing cash, the user receives the cash at the cash output means 4, but at this time it is necessary to verify the input person and the recipient.

Therefore, the input means 2A or the input means 2B
Is the key to ensuring that the person who entered the information is given cash. That is, the user who has received the call has the input means 2A and goes to the cash output means 4. When this user mounts the input means 2A on the terminal mounting portion 14, the input means 2A and the main CPU 12 of the cash output means 4 are connected.
Is connected and it is confirmed that the user who has input the information has come to the cash output means 4 (ST17). Further, in parallel with such a user's operation, the main CPU 12 confirms that the cash payment permission information is issued (ST18), and if it is valid, the cash output means 4 inputs the instructed cash and the statement. Two
It is released to the user who brought A (ST20).

Thereafter, the input means 2A is returned to the table 32 before being used (ST21).

The same processing as described above is subsequently performed for other users who bring the input means 2B.

When the main CPU 12 determines in step 18 that the cash payment permission information has not been output, the user is notified of the cash output suspension (ST19).

As described above, according to the apparatus 1 of the present embodiment, one input means 2A, 2B corresponds to each user. You can increase it.

When the number of input means 2A, 2B is large and exceeds the capability of one cash output means 4, the cash output means 4A can be appropriately increased.

Next, the processing period in which two persons use the automatic cash processing apparatus 1 will be described in comparison with the conventional example.

As in the conventional example, the processing period (hours) for inputting information is A1, A2, the processing periods of the host computer 3 are B1, B2, and the processing periods of the cash output means 4 are C1, C2. The period required for a person to take out cash or a statement is represented as D1, D2, etc.

The case of the present embodiment is the same as that of the conventional example in that the processing period B1 or B2 in the host computer starts after the processing period A1 or A2 for information input ends. In case of processing period A2
Since the processing period B1 in the host computer 3 advances at the same time, and the processing period B2 in the host computer 3 advances at the same time as the processing period C1 in the cash output means 4, as a result, the entire processing time. In the case of this embodiment, t1 becomes shorter (t1 <t2).

Even if the information of the passbook (not shown) is read in place of the card C, the effect does not change.

If it is necessary to enter the passbook at the time of cash withdrawal, after the input means 2A and 2B are attached to the cash output means 4, the user enters the passbook processing unit 18 in the cash output means 4. It is also possible to enter a passbook and complete the passbook.

The input means 2A and 2B can be of various types depending on the location of the service corner 30, for example, a display or a display that can be easily handled by a person who is not good at a machine or an elderly person. Many people can use it by using a handy terminal with large buttons and easy-to-understand input procedures, or by using a handy terminal with a Braille button and a voice guide so that it can be used by people with visual impairments. Become.

By the way, in the above embodiment, the input means 2 is used.
Although an example in which the input means 2A, 2B is used as a key so that the person who used A, 2B can certainly receive his / her cash is shown, various other methods are possible.

For example, the card C or passbook can be used as a key. Therefore, a reader for reading the account number is attached to the cash output means 4. In this case, cash is output only when the account number read here matches the account number read by the reader of the input means 2A, 2B.

In this case, since the communication interface 10 of the input means 2A and 2B can be wired,
The user does not have to carry the input means 2A and 2B, and the problem of theft is eliminated. Further, in this case, since the time when one user waits for the input means 2A or 2B is shortened, the rotation rates of these can be improved and the number of them can be reduced.

In this case, if the cash output means 4 is used for preparation and then the user calls with the user's name or account number, the privacy of the user may be exposed, which may cause a problem. There are various possible countermeasures for this, but for example, a method of making a call using the following reference number can be considered. That is, the reference number is displayed on the display unit 6 of the input means 2A, 2B after input so that only the person himself can confirm it. The call may be made by voice using the broadcasting equipment in the service corner 30, or by providing a reference number guide plate in the service corner 30 and displaying it here.

When the user may forget the reference number, the input means 2A, 2B is provided with a reference number issuing machine such as a printer, and the input means 2A, 2B allows the input means 2A, 2B to output, for example, a paper slip recording the reference number. It may be issued.

Further, it is also possible to record the information on the paper slips issued by the input means 2A, 2B by magnetism or a bar code and put the paper slips in the cash output means 4 for verification.

According to the automatic cash processing apparatus 1 described above in detail, the cash output means 4 is provided with a plurality of input means 2A,
By using 2B, the minimum number of cash output means 4 can be used to the maximum, and the amount of cash output means less than that of the conventional system can reduce the time and labor for replenishing cash, the occupied space, and the cost.

Since the processing can be executed according to the pace of the user and the processing is executed in the order in which the information is input,
People who input early will be given cash early.

Furthermore, since the input means 2A and the like and the cash output means 4 are separated, by arranging an arbitrary number of input means 2A and the like in parallel with respect to one cash output means 4,
It is possible to have many windows.

It goes without saying that the number of input means 2A can be arbitrarily selected.

Further, since the input means 2A is inexpensive, if the input means 2A is increased, the waiting time for the user can be shortened with a small expense.

Furthermore, there are advantages that a small number of cash output means 4 can be used efficiently, maintenance is easy, and cost and occupation space are small.

The present invention can be modified in various ways within the scope of the invention in addition to the embodiments described above.

[0062]

According to the present invention described in detail above, the following effects are exhibited.

According to the first aspect of the present invention, it is possible to provide an automatic cash payment processor which can shorten the entire processing time as compared with the conventional example and can improve the processing efficiency.

According to the second aspect of the present invention, the cash output processing can be performed for the user who has brought the input means to the cash output means while the input means is attached to the cash output means, and the error of the cash output processing can be eliminated. It is possible to provide a possible automatic cash processing apparatus.

[Brief description of drawings]

FIG. 1 is a block diagram of an apparatus according to an embodiment of the present invention.

FIG. 2 is a perspective view showing an input means of the apparatus of this embodiment.

FIG. 3 is a perspective view showing cash output means of the apparatus of this embodiment.

FIG. 4 is a plan view showing an installation example of the apparatus of this embodiment.

FIG. 5 is an explanatory diagram showing an information transmission state of the device of this embodiment.

FIG. 6 is a flowchart showing the operation of the apparatus of this embodiment.

FIG. 7 is a flowchart showing the operation of the apparatus of this embodiment.

FIG. 8 is a flowchart showing the operation of the apparatus of this embodiment.

FIG. 9 is an explanatory diagram showing a processing time in the apparatus of this embodiment.

FIG. 10 is an explanatory diagram showing a processing time of a conventional example.

FIG. 11 is a flowchart showing the operation of a conventional example.

[Explanation of symbols]

 1 cash automatic payment processor 2A input means 2B input means 3 host computer 4 cash output means C card

Claims (2)

[Claims] 1. A plurality of portable input means for sending out cash payment information each time based on transaction information read from a transaction medium and input cash request information, and cash payment information from each input means. The control means for sending cash payment permission information corresponding to each input means in the order of reception, and the cash discharge processing according to the cash payment information from each input means based on each cash payment permission information from this control means are continuously performed. A cash automatic payment processing device, comprising: 2. The cash output means comprises a terminal mounting part to which the input means can be mounted, and the cash payment information is fetched from the input means mounted on the terminal mounting part and the cash payment information is sent to the control means. The cash automatic payment processing device according to claim 1, wherein the cash payment processing is continuously performed in accordance with the cash payment permission information from the control means based on the cash payment permission information from the control means.