JPH0562053A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To improve the operation rate and to perform the smooth finance transaction by being equipped with a recovering processing function at a device itself besides a degradation operation function. CONSTITUTION:A main control part which is an operation control means 9 controls the whole by a first microprocessor. A second processor of the main control part is connected with respective third microprocessors of respective mechanisms of a card hanlding mechanism, an itemized sheets issuing mechanism, a passbook handling mechanism, a paper money handling mechanism and a journal printing mechanism which are medium handling means 4, by the line in the device, controls the operation of respective positions and has functions as a trouble detecting means 10, an automatic degradation means 11 and a self recovering means 12. The main control part is connected to a touch panel which is an input means 6 and the liquid crystal which is a displaying means 5. When the trouble detecting means 10 detects the trouble of the medium handling means 4, the automatic degradation means 11 separates the trouble position, performs the degradation operation and the recovering action is performed for the separated trouble position by the self recovering means 12.

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 automatically performing deposit and withdrawal transactions, and more particularly to an automatic transaction apparatus suitable for facilitating transaction processing when a failure occurs during a transaction.

[0002]

2. Description of the Related Art The automatic cash deposit / withdrawal process using a card is widely used today in financial institutions and the like. However, in the conventional automatic transaction device, some obstacles may occur during the transaction with this device. When it occurs, the customer's card or passbook may not be returned while being taken in the automatic transaction device.
At this time, the customer had to wait on the spot for a long time until the restoration processing by a staff member such as a financial institution that manages the automated teller machine was completed. Japanese Patent Laid-Open No. 1-25806
The technique disclosed in Japanese Patent Publication No. 5 is proposed as a countermeasure against this, and as shown in FIG. 7, for example, when a failure occurs in the bookkeeping business, printing on the passbook is stopped and the deposit / withdrawal process is already completed. With respect to the executed transaction, it is configured to issue an accountless deposit and withdrawal statement slip, return the passbook, and release the customer from the transaction operation.

[0003]

As described above, since the conventional automatic transaction apparatus has only the obstacle avoiding means, it does not bind the customer to the automatic transaction apparatus for a long time, but the automatic transaction apparatus. Since the processing that is naturally executed during normal operation, such as passbook printing, is omitted, and the automatic transaction device itself does not have a self-recovery function for failure occurrence, restoration processing is left to the staff. This was a problem from the perspective of smooth operation of financial transactions. In addition to the degeneration operation function,
Since the automatic transaction device itself has a recovery processing function,
It is an object of the present invention to provide an automatic transaction device which solves the above-mentioned problems and improves the operating rate and realizes a smooth financial transaction.

[0004]

Means for solving the above-mentioned problems are described in the claims. That is, an object of the present invention is to separate the function of the failure detecting means for detecting a failure in each part constituting the automatic trading device and the function of the part in which the failure has occurred in the automatic trading device which conducts a trade using a trading medium. Automatic degeneration means for performing degenerate operation, self-healing means for performing recovery processing on the separated faulty part, control of each mechanism section for performing transaction processing in the automatic transaction device, and the failure detection means, automatic An automatic transaction device having a degeneration means and an operation management means for managing the operation of the self-recovery means, or failure detection means for detecting a failure of each part constituting the automatic transaction apparatus, and a transaction including information on the failure. Display means for displaying information, self-healing means for performing recovery processing on the part where the failure has occurred, and recovery processing based on the failure information by the display means. An automatic transaction which has an input means for selectively inputting, an operation management means for controlling the operation of the transaction processing mechanism control and the failure detection means, the automatic degeneration means, the display means, and the self-recovery means, and performing the recovery processing of the failure. Achieved by the device.

[0005]

[Function] When some trouble occurs while conducting a transaction using the automatic transaction device having the above-mentioned structure, if the faulty portion can be degenerated and operated, the faulty portion is automatically disconnected and the operation is temporarily stopped. Then, while the transaction with the customer is continued as it is, in the automatic transaction apparatus, the degenerate operation is canceled after the recovery process is executed by the self-recovery means for the faulty part in parallel with the transaction operation.

Further, when the degenerate operation is impossible, the restoration processing procedure for the faulty part is displayed to the customer in the transaction, and the restoration processing function incorporated in the automatic transaction device,
Alternatively, the process of recovering the faulty part is performed by the input process from the selection key.

[0007]

EXAMPLES An automatic transaction device of the present invention will be described in detail below based on examples. FIG. 1 is a block diagram showing the configuration of an embodiment of the automatic transaction device of the present invention. In this automatic transaction apparatus 1, a medium handling means 4 for transmitting and receiving a transaction medium 3 such as a card and cash to and from a customer 2, a display means 5 for displaying transaction information with the customer, and a key operation by the customer 2 And an input means 6 for inputting data by a host computer (hereinafter C
(PU) 7 and transaction information transmission / reception means 8 for transmitting / receiving the transaction information, and operation management means 9 for operation / control of these parts are provided. Further, a failure detecting means 10 for detecting a failure in each of the parts, an automatic degeneration means 11 for degrading, that is, a state in which a failure occurrence part is separated and a part of the trading function is stopped and operated, and the failure. A self-recovery means 12 for executing a recovery process on the part is also provided.

FIG. 2 is a block diagram showing details of the functional configuration of the embodiment shown in FIG. In FIG. 2, the main control unit 13 which is the operation management means 9 has a function of controlling the whole by the first microprocessor (GP) 14, and the control program is stored in the magnetic disk (DK) 15. Are loaded and stored in the memory 16 when the power is turned on. The second microprocessor (LP) 17 of the main control unit 13 is a medium handling means 4 which is a card handling mechanism (hereinafter MCU) 18 and a statement issuing mechanism (hereinafter SP).
R) 19, passbook handling mechanism (hereinafter referred to as PBM) 20, banknote handling mechanism (hereinafter referred to as BRM) 21, and journal printing mechanism (hereinafter referred to as JPR) 22, third microprocessors (E-P) 34 and inside the apparatus. It is connected by a line and manages the operation of each part, and also has a failure detection means 10 and an automatic degeneration means 1.
1 and the function as the self-recovery means 12. The main controller 13 is also connected to the touch panel 23 that is the input unit 6 and the liquid crystal 24 that is the display unit 5. Further, the main control unit 13 includes a line control unit 2 which is the transaction information transmission / reception means 8.
5 is connected to the CPU 7 via a dedicated line.

Among the medium handling means 4, the MCU 18 reads and writes the magnetic stripe data of the card 26 which is the transaction medium 3, the SPR 19 prints out the transaction contents on the statement slip 27 and then discharges it, and the PBM 20 passes the passbook. Two
Reads magnetic stripe data and prints transaction information. Further, the BRM 21 performs deposit processing and withdrawal processing of the banknote 29 according to the transaction content with the customer 2, and the JPR 22 prints the transaction content of the automatic transaction device 1 and causes a failure when a failure occurs. The contents are printed on the journal 30 in time series.

Further, an intercom 31 is provided near the automated teller machine 1 so that when an error occurs, the customer 2
Is able to talk with the staff of the financial institution. In addition, when the staff is not on site such as installation outside the store, the operating state of the automatic transaction device 1 can be monitored by the remote monitoring device 32 connected to the line control 25 of the automatic transaction device 1. ..

FIG. 3 is a system diagram for dealing with a failure in a bankbook deposit transaction showing a first embodiment of the automatic transaction apparatus of the present invention. Figure 3
At step S1, when the passbook 28 and the banknote 29, which are the media brought by the customer 2 first, are inserted into the automatic transaction device 1 (S1),
The magnetic stripe data of the passbook 28 is read by M20 (S2), and the account confirmation is executed. The customer 2 performs a deposit operation on the automatic transaction device 1 (S3).

The BRM 21 counts the bills 29 (S
After 4), the electronic message of the deposit processing request is transmitted to the CPU 7 (S5). After the master file 33 is updated by the CPU 7 (S6), a payment permission message is transmitted to the automated teller machine 1 (S7). Correspondingly, in the automatic transaction device 1, the BRM 21 stores the banknote 29 (S8) and the PBM 20 prints the passbook 28 (S9).

On the other hand, the JPR 22 starts printing the transaction content on the journal 30 (S10) when the bill counting in S4 is completed. At this time, if a failure such as a jam occurs in the journal 30 (S11), after the failure detection means 10 shown in FIG. 2 detects this, the automatic degeneracy means 11 of the automated teller machine 1 cannot operate the JPR 22. Judgment is made and the contracted operation is carried out, and the transaction contents are the electronic journal floppy disk (FD) or magnetic disk (D).
K) 15 is written (S12).

At the same time, the self-recovery means 1 of the automatic transaction device 1
2 executes the recovery operation of the mechanical section for JPR22 (S1
3) and the failure detection means 10 determines whether or not the recovery has been made (S14). If the restoration is OK, printing of the journal 30 is restarted (S15). In the case of recovery NG, the self-recovery means 12 of the automatic transaction device 1 reloads the processing program to the JPR 22 (S16), and then re-executes the recovery operation of the mechanical section (S17). As a result, restoration is OK
If it can be determined (S18), the printing of the journal 30 is restarted (S15), and in the case of recovery NG, the automatic degeneracy means 11 until the clerk inspects the automatic transaction device 1 such as bill replenishment.
Continues degenerate operation (S19). During this period, there is no problem because the transaction contents are continuously written in the electronic journal FD or DK15.

The automatic transaction device 1 uses the passbook 2 in the PBM 20.
Transaction information was written to the magnetic stripe of 8 (S2
After 0), the passbook 28 is returned to the customer 2 (S21), and the transaction ends.

FIG. 4 is a system diagram for dealing with a failure in a bankbook deposit transaction showing a second embodiment of the automatic transaction apparatus of the present invention. The procedure from inserting the medium (S1) to printing the transaction content on the journal 30 (S10) is the same as that in FIG. In FIG. 4, assuming that a failure occurs during printing of the passbook 28 in the PBM 20 (S11), the failure detection unit 1 shown in FIG.
After 0 detects this, the operation management means 9 of the automated teller machine 1 displays the failure occurrence to the customer 2 by the display means 5 of FIG. 2 (S12). Subsequently, the self-healing means 12 displays some possible failure countermeasure means and requests the customer 2 for a selection instruction (S13). In this embodiment, four patterns of print retry, initial recovery, issuance of statement slip, and issuance of new passbook are prepared. The customer 2 touches the touch panel 2 of FIG. 2 according to the content displayed on the liquid crystal 24 of the display means 5.
A measure selection operation is performed by keying in from 3 (S14).

If the print retry pattern is selected,
The PBM 20 once returns the passbook 28 to the customer 2 by the self-recovery means 12 (S15), and then performs the recovery processing operation of the mechanical section (S16). The fault detecting means 10 checks whether or not the fault has been recovered (S17), and if the restoration is OK, the customer 2 is asked to reinsert the passbook 28 (S18), and the passbook printing is restarted (S19). On the other hand, in the case of restoration NG, the PBM 20 is stopped by the automatic degeneracy means 11 shown in FIG. 2 and degenerate operation is performed only for non-passbook work until it is processed by an attendant (S20).

When the initial recovery pattern is selected, the self-recovery means 12 reloads the processing program into the PBM 20 (S21), and then the recovery processing operation of the mechanical section including the return of the passbook 28 is performed. Perform (S22). Then, the failure detection means 10 checks whether the failure recovery is OK or NG (S17), and the steps from S18 to S20 are executed.

Further, if the new passbook issuance pattern is selected, the passbook 28 brought by the customer 2 is returned (S2
3), a new passbook preset in the PBM 20 is fed out (S24), and the passbook is printed (S25).

On the other hand, if the statement issuance pattern is selected, the SPR 19 prints the transaction contents on the statement (S26), and the PBM 20 returns the passbook 28 (S26).
15) Then, the steps from S16 to S20 are performed. Finally, the automatic transaction device 1 discharges / returns a medium such as a statement slip and a passbook to the customer 2 and ends the transaction.

FIG. 5 is a system diagram for dealing with a failure in a non-bankbook withdrawal transaction in the first embodiment of the automatic transaction apparatus of the present invention.
When the customer 2 inserts the card 26, which is a transaction medium, into the automatic transaction device 1 (S1), the MCU 18 causes the card 2 to be inserted.
After the magnetic stripe data of 6 is read and the account confirmation is executed (S2), the customer 2 performs a withdrawal operation (S3). The automatic transaction device 1 transmits a message of a withdrawal processing request to the CPU 7 (S4), and at the same time, starts printing the transaction content on the journal 30 by the JPR 22 (S5). C
The master file 33 was updated in PU7 (S6)
After that, a withdrawal permission message is transmitted to the automated teller machine 1 (S7). In response to this, in the automatic transaction device 1, B
The RM 21 counts out the bill 29 (S8), and the SPR 19 prints the statement 27 (S8).
9). At this time, when a failure such as a jam occurs in the SPR 19 (S10), the failure detection means 10 detects this failure and the operation management means 9 of the automatic handling apparatus 1 shown in FIG. The occurrence of trouble is displayed on the display means 5 by the liquid crystal 24 (S11). Next, self-healing means 12
Displays a plurality of failure countermeasure means on the liquid crystal 24 and requests the customer 2 to make a selection instruction (S12). In the embodiment of FIG. 5, five patterns are prepared: statement slip unnecessary, print retry, mechanical unit recovery, initial recovery, and staff call.

The customer 2 selects any one of the five patterns displayed on the liquid crystal 24 and inputs a key from the touch panel 23 to perform a countermeasure selecting operation (S13). When the pattern that does not require the statement slip is selected, the SPR 19 is stopped by the automatic degeneration unit 11 and the processing is continued by the degenerate operation in which the statement slip is not issued (S14).

When the print retry pattern is selected,
The SPR 19 collects the statement slips in the middle of printing (S15), and then reprints the new statement slips (S1).
6). The failure detection means 10 shown in FIG. 2 checks whether the failure recovery of the SPR 19 is OK or NG (S17), and the recovery NG.
In the case of, the liquid crystal 24 indicates that the failure is not recovered (S18). Since the countermeasure instruction request is continuously displayed (S19), the customer 2 selects the failure countermeasure means again (S1).
3) Repeat the following steps.

When the recovery pattern of the mechanical section is selected,
After collecting the statement of detail (S20), the SPR 19 performs the recovery processing operation of the mechanical section (S21), and thereafter repeats the steps after the reprinting of the statement of S16.

When the initial recovery pattern is selected, the self-recovery means 12 of the automated teller machine 1 reloads the processing program to the SPR 19 (S22), and then the mechanism section including the collection of statement slips. The recovery processing operation is performed (S2
3) Then, the steps after reprinting the statement slip in S16 are repeated.

Finally, the automatic transaction device 1 terminates the transaction by ejecting the statement slips, banknotes, and cards to the customer 2 and returning them (S24).

When the calling pattern of the clerk is selected, the operation management means 9 of the automatic transaction device 1 shown in FIG. 2 calls the clerk from the remote monitoring device 32, and the intercom 31 attached to the automatic transaction device 1 communicates with the customer. It is possible to directly talk about measures against obstacles (S25). The automated teller machine 1 stops operating until the clerk performs the recovery process (S
26).

FIG. 6 is a system diagram for dealing with a failure in a non-bankbook withdrawal transaction in the second embodiment of the automatic transaction apparatus of the present invention.
The steps from S1 of inserting the medium to S8 of counting the dispensed banknotes are the same as those in FIG. In FIG. 6, BRM2
In 1, the failure detection means 10 shown in FIG. 2 detects the failure when the failure occurs at the start of sending out the 1,000 yen tickets after counting the 10,000 yen tickets (S9), and the operation management means 9 in FIG. The occurrence is displayed on the liquid crystal 24 (S10). Subsequently, the failure countermeasure means is displayed, and the customer 2 is requested whether the selection is possible and the input instruction (S11). In this example, withdrawal cancellation,
Only 10,000 yen, 4 patterns of mechanical recovery and initial recovery are prepared.

The customer 2 selects any one of the four patterns and inputs a key to perform a countermeasure selecting operation (S12). When the withdrawal cancellation pattern is selected, the BRM 21 collects the banknotes that are being withdrawn (S13), and the automatic transaction device 1 transmits a message of a withdrawal correction processing request to the CPU 7 (S4 ').
After the CPU 7 corrects the master file (S6 '),
A message of correction permission is transmitted to the automatic transaction device 1 (S
7 '). The automatic degeneration means 11 of the automatic transaction device 1 is BRM2.
1 to stop the operation and connect the processing by degenerate operation (S
14).

When a pattern of only ten thousand yen is selected,
By executing the withdrawal amount correction operation by the customer operation (S1
5) The BRM 21 performs withdrawal processing using only ten-thousand-yen tickets (S16), so that the automatic degeneracy means 11 stops the withdrawal and counting operations on the thousand-yen ticket side and continues degeneracy operation (S17).

When the recovery pattern of the mechanical section is selected,
The BRM 21 collects the banknotes that are being dispensed (S18), once performs the recovery operation of the mechanical unit (S19), and then performs the bill payout counting again (S19). The failure detection means 10 checks whether the failure recovery of the BRM 21 is OK or NG (S
21) In the case of recovery NG, the liquid crystal 24 indicates that the failure is not recovered (S22), and subsequently, the countermeasure instruction request is displayed (S23), so that the customer 2 selects the failure countermeasure means again (S12). Repeat steps.

When an initial recovery pattern is selected,
The self-recovery means 12 of the automatic transaction device 1 reloads the processing program to the BRM 21 (S24), and then performs the recovery processing operation of the mechanical section including the collection of banknotes in preparation for withdrawal (S25), Hereinafter, the steps after S20 of counting the bills are repeated.

Finally, the automatic transaction apparatus 1 discharges and returns the statement slips, bills, and cards to the customer 2 and ends the transaction (S26).

In the above description, the countermeasure against the failure during the customer transaction is described, but if the failure is not recovered, the automatic transaction apparatus 1 continues the degenerate operation and the self-recovery means 12 replaces the customer. It also has a self-recovery function that sequentially executes the procedure of failure countermeasures by a pre-installed program by utilizing free time etc., and this function does not require the customer to input operation for failure recovery. In this case, it goes without saying that the self-healing function can be controlled to operate automatically.

[0035]

As described above in detail, according to the automatic transaction apparatus of the present invention, the site where the failure has occurred can be separated and degenerated so that the processing can be continued by the alternative means. In addition, the self-recovery function enables unattended recovery for failure recovery, which is extremely effective from the perspective of achieving smooth operation of financial transactions, and also reduces the load on maintenance personnel of automated transaction equipment. It can be greatly reduced.

Furthermore, even when a failure occurs in a part that is not operated in a degenerate manner, the failure recovery process can be carried out by a simple customer operation. Therefore, the customer is not restrained for a long time until the staff arrives, and the automatic transaction device. It has remarkable effects such as improvement of operating rate and improvement of comprehensive customer service.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of an automatic transaction device according to the present invention.

FIG. 2 is a block diagram showing details of a functional configuration of the embodiment shown in FIG.

FIG. 3 is a system diagram showing a failure response of an embodiment of the automatic transaction device according to the present invention.

FIG. 4 is a system diagram showing a failure response of an embodiment of the automatic transaction device according to the present invention.

FIG. 5 is a system diagram showing a failure response of an embodiment of the automatic transaction device according to the present invention.

FIG. 6 is an explanatory diagram for explaining individual fault handling when a fault occurs in each transaction of the present invention.

[Fig. 7] An explanatory diagram of trouble handling in a bankbook deposit transaction by a conventional automatic transaction device

[Explanation of symbols]

 1 Automatic Transaction Device 2 Customer 3 Transaction Medium 4 Medium Handling Means 5 Display Output Means 6 Input Means 7 CPU 8 Transaction Information Sending / Receiving Means 9 Operation Management Means 10 Failure Detecting Means 11 Automatic Degrading Means 12 Self Restoring Means 13 Main Control Section 14 1st Microprocessor 15 FD or DK 16 Memory 17 Second microprocessor 18 MCU 19 SPR 20 PBM 21 BRM 22 JPR 23 Touch panel 24 Liquid crystal 25 Line controller 26 Card 27 Statement slip 28 Passbook 29 Banknote 30 Journal 31 Interphone 32 Remote monitoring Device 33 Transaction information file 34 Third microprocessor S1-S26 Processing steps

Claims (2)

[Claims] 1. An automatic transaction apparatus that conducts a transaction using a transaction medium, wherein a failure detecting means for detecting a failure in each part constituting the automatic transaction apparatus and a degenerate operation by separating the function of the part in which the failure has occurred. Automatic degenerate means, a self-healing means for performing recovery processing on the separated faulty part, control of each mechanism section for performing transaction processing in the automatic transaction device, the failure detecting means, an automatic degenerate means, And an automatic transaction device having operation management means for managing the operation of the self-healing means. 2. An automatic transaction apparatus that conducts a transaction using a transaction medium, a failure detection unit that detects a failure in each part of the automatic transaction apparatus, and a display unit that displays transaction information including information about the failure. A self-healing means for performing recovery processing on the part where the failure has occurred, input means for selectively inputting the recovery processing based on the failure information by the display means, control of the transaction processing mechanism and the failure detection means, An automatic transaction apparatus comprising: an operation management unit that manages operations of an automatic degeneration unit, a display unit, and a self-healing unit, and performing recovery processing of the failure.