JPH0562043A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To execute a paying processing even when an amount of payment beyond a limit payment amount for one time is inputted. CONSTITUTION:A division payment discrimination means 30 compares the inputted payment amount with a limit payment amount and outputs a division payment command when the inputted payment amount is larger. In response to the command, a repeated payment control means 31 repeatedly outputs a payment command instructing the payment of the limit payment amount to a bill input/output device 8 to make the device 8 execute an money output processing. When the remaining payment amount becomes smaller than the limit payment amount, a payment monitoring means 32 stops the payment command and a remaining amount payment control means 33 controls the bill input/output device 8 to output the remaining payment amount.

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 installed in a financial institution or the like, and more particularly to an automatic transaction apparatus in which a cash payment machine has a single payment limit.

[0002]

2. Description of the Related Art In order for a customer to operate an automatic transaction apparatus and receive cash payment, a transaction medium such as a transaction card is inserted into the insertion slot of the apparatus, and a personal identification number, payment amount, etc. are displayed according to the instructions on the display. You need to enter and receive the transaction medium and statement. By the way, in the automatic transaction device, a one-time payment limit amount is preset due to structural restrictions of the bill depositing / dispensing machine. That is, the banknote deposit / withdrawal machine has a banknote transport path,
If a large number of banknotes are piled up and conveyed on the conveying path, the bills may collapse during the conveyance and the payment process may become impossible. For this reason, as the amount of money that can be reliably transported, for example, 600,000 yen (sheets) is usually set as the payment limit amount of money.

Further, as another bill depositing / dispensing machine, one having a structure for transporting bills one by one to a bill depositing / dispensing port via a transport path is known. Since there is a limit due to the volume, for example, 1 million yen is set as the payment limit amount. Now, when the customer selects the payment transaction, the conventional automatic transaction apparatus only executes the cash payment process once within the above-mentioned payment limit amount.

[0004]

However, when the payment process is limited to the amount within the payment limit amount as described above, there are the following problems. That is, the maximum payment amount of the device is 6
For example, if the customer wants to receive payment of 2 million yen in the case of 0,000 yen, the customer has to repeat a series of payment operations including the input of a personal identification number four times, which is very troublesome. there were. Further, since the automatic transaction device is occupied for a long time, there is a drawback that it causes trouble to other customers. The present invention has been made to solve such a point, and an object of the present invention is to provide an automatic transaction apparatus that executes a payment process even if a payment amount of one payment limit or more is input.

[0005]

According to the present invention, in an automatic transaction apparatus in which a single payment limit amount of a cash depositing / dispensing machine is set, an input payment amount input by a customer is compared with a payment limit amount and input. If the payment amount is large, installment payment determination means for instructing installment payment, repeat payment control means for repeatedly instructing the cash deposit / withdrawal machine to pay cash corresponding to the payment limit amount by this installment payment instruction, and cash deposit / withdrawal Monitor the payment amount of the machine and when the remaining payment amount of the input payment amount becomes smaller than the payment limit amount, the payment monitoring means that repeatedly stops the payment instruction of the payment control means and the remaining payment amount is taken in, cash deposit / withdrawal And a balance payment control means for instructing the machine to pay cash.

[0006]

When the customer inputs the payment amount, the installment payment determination means compares the input payment amount with the payment limit amount, and if the input payment amount is large, repeatedly issues an installment payment instruction to the payment control means. In response to this instruction, the repetitive payment control means repeatedly instructs the cash depositing / dispensing machine to pay cash corresponding to the payment limit amount. The payment monitoring means monitors the payment amount of the cash depositing / dispensing machine, and when the remaining payment amount of the input payment amount becomes smaller than the payment limit amount, the payment instruction of the repeat payment control means is stopped. The balance payment control means takes in the reduced remaining payment amount and instructs the cash depositing / dispensing machine to pay cash.

[0007]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 1 is a block diagram of an automatic transaction system including an automatic transaction device according to the present invention, and FIG. 2 is a perspective view of the same device. In FIG. 1, 1 indicates an automatic transaction device,
The device 1 includes a main controller 2. The main control unit 2 controls the equipment described below and the entire automatic transaction apparatus 1. A card reader / writer unit 3 has a reading head for reading the customer's personal identification number, account number, and other data from the magnetic stripe of the transaction card inserted into the card insertion / ejection port 4 (see FIG. 2). A storage unit 5 is used to temporarily store information from the center side, input information, and the like. 6 is an embossed leader,
It optically reads embossed characters and printed characters on the surface of transaction cards and outputs them as image data. Reference numeral 7 denotes a statement sheet printer unit, which has a foldable receipt sheet and an auxiliary receipt sheet, and includes a sheet feeding mechanism, a print head, a cutter, and the like. 8 and 9 are a banknote depositing / dispensing machine and a coin depositing / dispensing machine, which execute denominations, authenticity, counting, etc. of banknotes or coins for payment processing and transfer processing of the input payment amount, and The bill is dispensed to the deposit / withdrawal port 10 or the coin deposit / withdrawal port 11 (see FIG. 2). 1
Reference numeral 2 is a bookkeeping machine, which prints the transaction amount and the like on the passbook inserted through the passbook insertion / ejection port 20 (see FIG. 2) and ejects it after the transaction is completed. A voice guidance unit 15 is used to give voice guidance to the customer for the operation processing. A CRT display 13 is used to display instructions and messages necessary for the customer's operation, and to display deposits, withdrawals, and other amounts. A touch panel 14 is arranged on the CRT display 13. The touch panel 14 is used when the customer inputs a personal identification number or confirmation with his / her finger. An internal operation unit 16 is used by a bank clerk to operate the automatic transaction apparatus 1 as necessary, and is also used to input a payment limit amount that allows one payment.
The input payment limit amount data is stored in the storage unit 5. Incidentally, in FIG. 2, reference numeral 19 denotes a handling work display portion, which displays the current business type subjects such as “transfer / transfer”, “deposit”, “payment”, “passbook entry” and the like. 21 is a receipt discharge port.

Communication controller 2 connected to main controller 2
2 is a communication control unit 2 of the center 24 via the communication line 23.
Connected to 5. These communication control units 22 and 25 control transmission / reception of communication. Center control unit 2 of the center 24
6 is for controlling each part in the center 24,
The file control unit 27 is connected. The file control unit 27 accesses the center file 28 and writes or reads predetermined information. The center file 28 stores customer's deposit account information, loan information, and the like. The deposit account information includes an account number, deposit balance, transaction progress, etc. for each customer. The loan information consists of a loan line, loan amount, repayment history, etc. for each customer.

In the automatic transaction device 1 again, the main control unit 2
Is equipped with installment payment determination means 30, repeated payment control means 31, payment monitoring means 32, and balance payment control means 33.
When the payment process is completed on the side of the center 24, the installment payment determination means 30 stores the input payment amount input by the customer in the register, and stores the one-time payment limit amount input by the internal operation unit 16 from the storage unit 5. Capture and store in another register. Then, the installment payment determination means 30 compares the input payment amount and the payment limit amount in both registers, and outputs a installment payment instruction when the input payment amount is large. That is, for example, when the input payment amount is “2 million yen” and the payment limit amount is “600,000 yen”, the installment payment instruction is output.

Upon receipt of the installment payment instruction, the repeat payment control means 31 fetches the payment limit amount from the storage unit 5, and adds the payment limit amount, for example, "600,000 yen" as the payment amount to the bill depositing / dispensing machine. Output to 8. Therefore,
The banknote pay-in / pay-out device 8 counts banknotes by this, for example, 6
The counting banknotes of 0,000 yen are discharged to the banknote deposit / withdrawal port 10 and a payment processing end signal is supplied to the main control unit 2. Upon receiving this signal, the main control unit 2 opens the bill deposit / withdrawal port 10 and controls the CRT display 13 to display a screen showing receipt of bills and the presence of remaining bills as shown in FIG. 3 (A). ..

When a customer receives a bill from the bill deposit / withdrawal port 10 and it is detected, the repeat payment control means 31 similarly adds a payment limit amount as payment amount data unless a payment stop instruction described later is received. The command is output to the bill depositing / dispensing machine 8. Therefore, the payment process described above is repeatedly executed. On the other hand, the main control unit 2 controls the CRT display 13 while the bill depositing / dispensing machine 8 is performing the counting operation, and displays the screen shown in FIG. 3 (B) indicating that the remaining bills are being counted.

The payment monitoring means 32 is the installment payment determination means 30.
Stores the input payment amount in the register at the time when the split payment command is output, and the payment amount (data) from the payment command every time the repeated payment control means 31 outputs the payment command.
Is extracted, the payment amount is sequentially subtracted from the input payment amount, and the remaining payment amount is calculated. That is, the input payment amount is “20
When the first payment instruction of "600,000 yen" is output in the case of "0,000,000 yen", the remaining payment amount is calculated as "1.4 million yen",
When the second payment command is output, the remaining payment amount is set to "8.
It is calculated as 50,000 yen ". Then, the payment monitoring means 32 compares the remaining payment amount with the payment limit amount each time the remaining payment amount is calculated, and when the remaining payment amount becomes smaller than the payment limit amount, the payment stop command is repeated and the payment control means 31 is repeated.
Output to. That is, when the third payment instruction is output,
Since the remaining payment amount is "200,000 yen", the payment monitoring means 32 determines that the remaining payment amount is smaller than the payment limit amount "600,000 yen" and outputs a payment stop command.

Upon receiving this payment stop command, the repeat payment control means 31 stops outputting the payment command to the bill depositing / dispensing machine 8. Also, the payment monitoring means 32 outputs a payment stop command and the remaining payment amount “20” is sent to the balance payment control means 33.
10,000 yen data is output. When the balance payment control means 33 receives this remaining payment amount data, it outputs a payment command with this amount added as a payment amount to the bill depositing / dispensing machine 8. Therefore, the banknote depositing / dispensing machine 8 counts the banknotes, discharges the last counted banknote “200,000 yen” to the banknote depositing / dispensing port 10, and supplies an end signal to the main control unit 2. Thereby, the main control unit 2 opens the banknote deposit / withdrawal port 10 and the CRT display 1
3 is controlled to display the screen for prompting the reception shown in FIG.

Next, the operation of the automatic transaction device according to the present invention will be described based on the operation flowcharts of FIGS. 4, 5 and 6. First, the main control unit 2 of the automatic transaction device 1 controls the CRT display 13 to display a transaction selection screen on the screen (step 1). When the customer selects "Payment" in this display (step 2) and presses the touch panel 14, "Please insert the card" is displayed on the screen of the CRT display 13. When the customer inserts the transaction card into the card insertion / eject port 4 of the device 1 (step 3), the card reader / writer unit 3 reads the data of the magnetic stripe of the transaction card (step 4). This data includes the customer's personal identification number, account number, name, etc., and is stored in the storage unit 5.

Next, a screen for prompting the input of the personal identification number is displayed on the CRT display 13 under the control of the main control unit 2 (step 5), and the customer inputs the personal identification number by using the ten-key pad of the touch panel 14 (step 5). 6), the main control unit 2 compares the personal identification number read from the transaction card with the personal identification number input by the customer, displays a message prompting the user to enter the personal identification number again if they do not match, and returns to step 1 if they do not match.
Return to.

When the personal identification numbers match, the main control unit 2 sends a CR
The T display 13 is controlled to display a screen prompting the customer to input the amount of money to be paid (step 7). When the customer inputs the payment amount using the ten keys on the touch panel 14 (step 8), the main control unit 2 stores the input payment amount in the storage unit 5 and at the same time sends it to the communication control unit 22 together with the personal identification number. The communication control unit 22 inputs the input payment amount together with the personal identification number via the communication line 23 to the center 24
To the communication control unit 25.

The center control unit 26 of the center 24 takes in a personal identification number and the like from the communication control unit 25, and the file control unit 27
This information is sent to. The file control unit 27 searches the deposit account information of the center file 28 based on the personal identification number and the account number (step 10), specifies the customer's deposit account, and sends the deposit balance to the center control unit 26.

The center control unit 26 compares the deposit balance with the input payment amount, determines that the transaction has been completed when the deposit balance is large (step 12), and sends information indicating the establishment of the transaction to the communication control unit 25. To do. Therefore, this communication control unit 25
The transaction completion information is transmitted to the automatic transaction device 1 side. When the transaction is unsuccessful, the transaction unsuccessful information is transmitted to the automatic transaction device 1. Therefore, the transaction unsuccessful screen is displayed on the CRT display 13 (step 13) and the transaction is terminated.

When the main control section 2 receives the transaction establishment information, it outputs an operation command to the installment payment determination means 30. Thereby, the installment payment determination means 30 compares the input payment amount with the set payment limit amount as described above (step 14). Then, when the installment payment determination unit 30 determines that the input payment amount is smaller than the payment limit amount (step 15), the payment payment unit 30 shifts to a normal payment transaction. That is, the main control unit 2 outputs, for example, a payment command to which the input payment amount of “400,000 yen” is added to the bill depositing / dispensing machine 8. Banknote deposit and withdrawal machine 8
This counts the cash corresponding to the input payment amount (step 16) and discharges it to the banknote deposit / withdrawal port 10. Further, since the main control unit 2 controls the statement slip printer unit 7,
The transaction amount and others are printed on the statement slip (step 1
7).

Subsequently, the main control unit 2 controls the CRT display 13 to display a screen (see FIG. 3C) prompting the receipt of the transaction card and statement slip (step 1).
8). When the customer receives the transaction card from the card insertion outlet 4 and the statement slip from the receipt outlet 21 (step 19), the main control unit 2 controls the CRT display 13 to display a screen prompting receipt of cash. At the same time (step 20), the banknote deposit / withdrawal port 10 is opened. When the customer receives the cash (step 21), the main control unit 2 closes the banknote deposit / withdrawal port 10 and the CRT display 13
The transaction end screen is displayed on (step 22).

On the other hand, when the installment payment determination means 30 determines in step 15 that the input payment amount (eg, "2 million yen") is larger than the payment limit amount (eg, "600,000 yen"), the installment payment instruction is issued. Output (step 23).

As a result, the repetitive payment control means 31 outputs a payment instruction to the bill depositing / dispensing machine 8 with the payment limit amount of "600,000 yen" as described above (step 2).
4). Therefore, the bill depositing / dispensing machine 8 uses this amount of "600,000 yen".
Is discharged to the banknote deposit / withdrawal port 10, and an end signal is supplied to the main controller 2. The main control unit 2 is a CRT display 13
3A is displayed, and a screen showing the receipt of bills and the presence of remaining bills is displayed, and the bill deposit / withdrawal port 10 is opened (step 25). When the customer receives the banknotes (step 26), the main control unit 2 displays a screen showing that the remaining banknotes in FIG. 3B are being counted (step 27).

On the other hand, each time the payment monitoring means 32 repeatedly outputs the payment command, the payment monitoring means 32 calculates the remaining payment amount as described above and compares this amount with the payment limit amount (step 28). When the remaining payment amount is larger than the payment limit amount, the process returns to step 24 and the payment process for the remaining payment amount is repeated. When the payment processing of the remaining payment amount is repeated and the remaining payment amount becomes "200,000 yen", the payment monitoring means 32 determines that the remaining payment amount becomes smaller than the payment limit amount "600,000 yen" (step 28). , A payment stop instruction is output (step 29). This allows
The repetitive payment control means 31 stops outputting the payment instruction.

Subsequently, the payment monitor means 32 notifies the balance payment control means 33 of the remaining payment amount (step 3).
0), the balance payment control means 33 determines the remaining payment amount “20.
A payment command with "10,000 yen" added is output to the bill depositing / dispensing machine 8 (step 31). Therefore, after that, the process returns to step 16 and thereafter, the remaining amount of "200,000 yen" is paid to the customer, and the payment process is completed.

In the above embodiment, the screens shown in FIGS. 3A and 3B are displayed on the CRT display 13 under the control of the main control unit 2 to prevent the customer from forgetting to receive the remaining bills and transaction cards. However, the voice guidance unit 15 may be controlled so that the presence of the remaining money or the like is voice-guided. In addition, the payment monitoring means 32 shows that the remaining payment amount is "0 yen".
In the case of, the payment end signal is supplied to the main control unit 2. In this case, the main control unit 2 displays the receipt screen of the transaction card or the like, and displays the transaction end screen when the receipt is completed.

[0026]

As described above, according to the present invention,
If the input payment amount is greater than the payment limit amount, the installment payment determination unit outputs the installment payment instruction and the payment control unit repeatedly outputs the payment instruction, and the payment limit amount of cash is repeatedly output by the cash deposit / withdrawal machine. When the remaining payment amount is smaller than the payment limit amount, the payment monitoring means repeatedly stops the payment command of the payment control means, and the balance payment control means causes the remaining payment amount to be withdrawn from the cash deposit / withdrawal machine. Therefore, even if a payment amount larger than the payment limit amount set in the device is input, the payment process can be executed. Therefore, it is possible to provide an automatic transaction device that can promptly receive payment in a single operation even when the amount of payment is large.

[Brief description of drawings]

FIG. 1 is a block diagram of a transaction system including an automatic transaction device according to the present invention.

2 is a perspective view of the automatic transaction device of FIG. 1. FIG.

3A to 3D are views showing display screens according to the present invention, respectively.

FIG. 4 is an operation flowchart of the present invention.

FIG. 5 is an operation flowchart of the present invention.

FIG. 6 is an operation flowchart of installment payment of the present invention.

[Explanation of symbols]

 2 main control section 8 banknote depositing / dispensing machine 13 CRT display 16 internal operation section 30 installment payment determination means 31 repeat payment control means 32 payment monitoring means 33 balance payment control means

Claims (1)

[Claims] 1. An automatic transaction device in which a one-time payment limit amount of a cash depositing / dispensing machine is set, when an input payment amount entered by a customer is compared with the payment limit amount, and the input payment amount is large. Installment payment determination means for instructing installment payment, repetitive payment control means for repeatedly instructing the cash deposit / withdrawal machine to pay cash corresponding to the payment limit amount by installment payment instruction, payment of the cash deposit / withdrawal machine A payment monitoring unit that monitors the amount of money and stops the payment instruction of the repeated payment control unit when the remaining payment amount of the input payment amount becomes smaller than the payment limit amount; An automatic transaction device comprising: a balance payment control means for instructing payment of cash corresponding to a money machine.