JPH0535761A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To improve the facilitation of an automatic transaction device by attaining the automatic transaction of cash with connection secured to a home telephone circuit. CONSTITUTION:An automatic transaction device main body 1 is connected to a telephone circuit, and the switch is secured with a mode changeover switch 103 between a telephone function and an automatic cash transaction function. Then the on-line communication is attained with a CPU 200 of a central processing center via the switch 103. Thus the cash transaction is carried out based on the cash input/output transaction data.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus for executing deposit / withdrawal of a predetermined account by online communication with a financial institution such as a bank using a telephone line.

[0002]

2. Description of the Related Art In recent years, automatic deposit / withdrawal devices (ATM) have been widely used in financial institutions such as banks.

Conventionally, in this type of automatic depositing / withdrawing apparatus, when a user performs online processing, a magnetic medium storing information such as an account number and a personal identification number necessary for executing a deposit / withdrawal transaction is attached. By inserting the passbook or magnetic card from the entrance of the passbook printer unit or the card reading unit, magnetic information is read and online communication is performed with the central processing unit of the remote central processing center. Processing gold.

[0004]

However, in such a conventional automatic depositing / withdrawing apparatus, if the user does not have a passbook or a magnetic medium such as a magnetic card, he / she cannot make a transaction, and the transaction is not possible. It is necessary to go to a certain installation site, which is troublesome and inconvenient.

Further, since the automatic depositing / dispensing device must be equipped with a device such as a passbook printer unit or a card reading unit for handling magnetic media, the device is inevitably large in size, heavy and expensive. Not only was the installation location limited, but there was also the problem of promoting congestion in the bank.

The present invention has been made under the above circumstances, and an object of the present invention is to improve convenience by connecting to a telephone line in a home for automatic cash transaction. It is to provide an automatic transaction device that can be done.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention is a telephone that automatically deposits and withdraws money from a predetermined account by communicating online with a central processing unit of a remote central processing center. It is an automatic transaction device equipped with an automatic transaction function and a cash automatic transaction function, and counts cash based on the sending and receiving means for transmitting and receiving deposit and withdrawal transaction data and voice, and the deposit and withdrawal transaction data transmitted and received by this transmitting and receiving means. It is configured to include a cash acceptance / ejection counting means for accepting or ejecting cash, and a switching input means for performing switching input between the telephone function and the automatic cash transaction function.

[0008]

That is, according to the present invention, since the main body of the automatic transaction apparatus is connected to the telephone line to switch and input the telephone function and the automatic cash transaction function, cash can be deposited and withdrawn at home. Become.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. FIG. 2 is a schematic view of a portable home banking terminal device body 1 as an automatic transaction device of the present invention.

An operation panel 2 is arranged on the front surface of the terminal device main body 1. On the operation panel 2, a bill depositing port and statement slip outlet 3, a bill dispensing port 4, a transaction key 5 such as a numeric keypad, and a depositing / dispensing unit. A confirmation key 6, a mode switching key 7 and the like, a liquid crystal panel 8 for displaying operation guidance and an amount of money are provided respectively, and a fax transmission insertion port 9 is provided on the back side of the liquid crystal panel 8.

Further, in the figure, 10 is an antenna for transmission / reception with a child device whose main body is the terminal device body 1, 11 is a telephone receiver, and 12 is a safe outlet provided on the side surface of the terminal device body 1. ..

That is, in the terminal device body 1, when a bill is inserted from the bill deposit port 3 at the time of deposit, as shown in FIG. 1, the sensor 13 installed in the bill deposit port 3 is turned on, and the sensor 13 is turned on. The information is sent to the communication main control unit 14, and the taking-in of bills by the taking-in roller pair 15 is started.

The banknotes taken in by the take-in roller pair 15 are inspected by the inspection / FAX printer section 16, and the non-banknotes are sent back and rejected from the banknote deposit port 3. There is. on the other hand,
The bills discriminated as bills by the inspection / FAX printer unit 16 are counted and stored in the recycle safe 18 by the transport mechanism 17 as they are. Further, at the time of withdrawal, banknotes are taken out from the recycle safe 18, and are ejected from the banknote withdrawal opening 4 via the takeout roller pair 19.

Such deposit / withdrawal transaction data is transmitted to the central processing unit (center CPU) 200 of a remote central processing center by the communication main control section 14, and
The statement sheet is received by the communication main control unit 14 for data returned from the central processing unit of the central processing center, and the inspection /
The heat-sensitive roll paper 20 for FAX, which is fed to the FAX printer unit 16, is printed and cut, and is discharged from the statement slip outlet 3 which also serves as a bill deposit port and is issued.

FIG. 3 shows the overall configuration of an automatic transaction system using the above-mentioned terminal device body 1. The terminal device body 1 includes a main control section 100, a customer service section 101, and a bill section 10.
2 and a mode switch (mode SW) 103 are respectively built in, and by switching the mode switch 103, connection to a telephone, connection to a FAX, or connection to the main control unit 100 can be switched. ..

The terminal device body 1 is provided with a modem 10
4. Connected to a central processing unit (center CPU) 200 of a remote central processing center via a communication line, and deposit / withdrawal data is transmitted from the main control unit 100 to the central processing unit (center CPU) 200 of the central processing center. It has become so.

That is, the terminal device main body 1 is in a call state for 24 hours and is normally connected to the telephone mode to be used as a telephone. At this time, the terminal device main body 1 is used as a master unit. It is also possible to use the handset 11 as a cordless handset as a cordless telephone.

When the user deposits or withdraws money, he or she depresses the mode changeover key 7 to press the mode changeover switch 1
03 is switched to the main control unit 100 side, and transaction operation guidance is displayed on the liquid crystal panel 8. In this state, when deposit is pushed with the transaction key 5 and a bill is inserted from the bill deposit port 3, the transaction is started, and the transaction is completed by issuing a statement slip.

When the user withdraws money, he / she presses the withdrawal key with the transaction key 5, inputs the personal identification number, and
After inputting the withdrawal amount with the numeric keypad, press the confirmation key 6,
The transaction is started, and the transaction is completed by issuing the statement. When the transaction ends, the mode switch 103
A timer function (not shown) automatically switches to telephone mode.

In this way, by switching the mode changeover switch 103 to the main controller 100 side, the main controller 1
00, the telephone number of the central processing unit (center CPU) 200 of the remote central processing center is transmitted via the modem 104 and the public telephone line (public line), and the central CPU
It becomes possible to send and receive with.

Next, the main body 100 of the terminal device is controlled by the main controller 100.
The unique code given to the center CPU 2 is transmitted to the center CPU 200, and the unique code of the terminal device body 1 is transmitted to the center CPU 2.
00, the account number table (ledger) 201 that stores the built-in account number is collated, and the transaction is controlled to execute the transaction of the account number corresponding to the unique code, so that the transaction becomes possible.

In such a transaction-enabled state, cash is counted based on the deposit / withdrawal transaction data to accept or release the cash, and after the transaction is completed, the deposit / withdrawal transaction data is transmitted to the center CPU 200 to switch the mode. Switch 10
The operation is completed by switching 3 to connect to a telephone or FAX.

[0023]

As is apparent from the above description, according to the present invention, the main body of the automatic transaction device is connected to the telephone line to switch and input the telephone function and the automatic cash transaction function. It is possible to deposit and withdraw cash in-house, improve convenience, and alleviate congestion in financial institutions such as banks as before.

[Brief description of drawings]

FIG. 1 is a schematic sectional view showing an embodiment of a home banking terminal device body as an automatic transaction device according to the present invention.

FIG. 2 is an external view of the home banking terminal device body.

FIG. 3 is a schematic explanatory diagram showing an overall configuration of an automatic transaction system.

[Explanation of symbols]

1 automatic transaction device main body, 14 communication main control unit, 10
3 mode selector switch, 200 Central processing unit.

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Claims (1)

Claims: 1. An automatic transaction equipped with a telephone function and an automatic cash transaction function for automatically depositing and withdrawing money from a predetermined account by communicating online with a central processing unit of a remote central processing center. A device for transmitting / receiving deposit / withdrawal transaction data and voice, and a cash receiving / discharging device for counting cash based on the deposit / withdrawal transaction data transmitted / received by the transmitting / receiving device to accept or release cash. An automatic transaction apparatus comprising: a counting means and a switching input means for inputting switching between the telephone function and the automatic cash transaction function.