JPH056708B2 - - Google Patents

Description

[Detailed Description of the Invention] (a) Technical Field The present invention relates to a transaction processing system that processes transactions through communication between a terminal such as an automatic teller machine (hereinafter referred to as an ATM) having a passbook issuing machine and a center.

(b) Conventional technology and its drawbacks Currently, at ATMs that can issue new passbooks, if you print in all the entry fields of the passbook during a transaction, etc., a new passbook is automatically issued and the old passbook is collected after the transaction is completed. Return the new passbook to the customer.

By the way, the new passbook issued by an ATM does not have the stamp of the seal submitted by the user attached, so conventionally, after returning the new passbook, guidance was given via voice or CRT display to ask the customer to attach the seal at the counter. However, even though a passbook without a registration stamp is not valid as a certificate, a transaction will still be completed even if a new passbook is inserted into an ATM without the registration stamp attached. With a passbook without
This created an inconvenience that made it possible to operate ATMs.

(c) Purpose of the invention In view of the above-mentioned circumstances, the purpose of this invention is to write data that does not permit transactions using the new passbook until the registration stamp is attached at the counter when a new passbook is issued, thereby making it possible to replace a passbook without a registration stamp. An object of the present invention is to provide a transaction processing system that can prohibit the use of terminals for transactions.

(d) Structure and Effects of the Invention To summarize, the present invention includes: an unmarked data writing means for writing unmarked data indicating that a new passbook does not have a registration stamp when the new passbook is issued; In addition, the terminal is equipped with a return means for returning the transaction without accepting the transaction when the passbook is returned, and a notification seal guidance display means for displaying guidance that a notification seal must be attached when the passbook without the unmarked data is returned. The passbook is characterized by having an unmarked data erasing device which erases unmarked data of the passbook when a notification stamp is attached.

With the above configuration, according to the present invention, even if a customer makes a passbook transaction on a terminal and receives a new passbook, even if he or she mistakenly uses a passbook without a registration stamp, the transaction will not be permitted and the passbook will be returned. In addition, you will receive guidance on the need to attach a notification seal at the counter, so you can be guided to ensure that the notification seal is attached to the passbook issued by the terminal. The transaction processing system can be operated more smoothly by allowing only the bankbook of the customer to be used on the terminal.

(e) Embodiment FIG. 2 is a schematic block diagram of a terminal-side ATM of a transaction processing system that is an embodiment of the present invention.

This ATM is composed of a microcomputer system consisting of a CPU 1 and a memory 2, and as input/output devices, a stripe R/W device 3 that performs read/write operations on the passbook magnetic stripe, a passbook transport device 4, The passbook printing machine 5 and the passbook issuing device 6 are connected to interfaces 9 and 10.
It is connected to the CPU 1 via a CRT control device 7 and a voice guidance device 8 for operation guidance. Additionally, a bill ejection machine that discharges the number of bills to be paid into a bill insertion slot (not shown) during a payment transaction, and a bill checker that distinguishes the type and authenticity of bills deposited into the bill insertion slot are also provided.

CRT control unit 7 was installed in the customer service department (not shown)
Controls CRT, function keys, and numeric keypad. When the passbook is inserted, audio guidance is provided by the audio guidance device 8 and display guidance is provided on the CRT to guide key operations.

The memory 2 includes a ROM that stores a transaction processing execution program and a RAM that includes a working area that stores various processing data. Figure 3 shows the configuration of the main parts of the RAM. Area DM is an area for storing magnetic stripe data read from a passbook, and stores account numbers, passwords, etc. This area DM includes a data area A in which unmarked data indicating that there is no delivery stamp is written in the new passbook. When a new passbook is issued, unmarked data "1" is written in this area A. When a notification stamp is attached during counter operations, "1" in the data area A is cleared by the counter's window machine (see Figure 5). Area DP stores the data to be printed on the passbook.

FIG. 4 shows a schematic configuration of the passbook processing section.
When a bankbook is inserted from a bankbook insertion slot (not shown) in the direction of arrow a, the bankbook is taken in along the conveyance path 20. 21 is a magnetic head of the stripe R/W device 3, and 26 is a print head of the passbook printing machine 5. 27 is a bankbook moving part 28, a page turning rod 29, 3
This is a passbook page changing device consisting of 0. A new passbook is taken out from the passbook stock section 22. The old passbook is collected by the collection unit 23. Reference numeral 24 denotes a sorting flapper which is operated by a solenoid 25 and sorts bankbooks to the collection section 23 or the conveyance path 20.

FIG. 5 is a schematic block diagram of the wind machine. Wind machine has 40 CPU and 4 memory.
1. Consists of a magnetic stripe R/W device 42, a passbook printing device 43, and interfaces 44 and 45.
When performing passbook transactions at a counter, it is operated by a staff member. When a new passbook issued by an ATM is affixed with a delivery stamp at the counter, the passbook is inserted into this window machine and the unmarked data "1" in data area A of the magnetic stripe is erased. In the transaction processing system of this embodiment, the window machine constitutes the unmarked data erasing device of the present invention.

The ATM constitutes a transaction processing system together with a center (not shown) connected via a modem and a transmission line. The center is provided with a center file for storing and preserving unrecorded data.

Next, the ATM operation during bankbook entry will be explained with reference to the flowchart of FIG.

When the customer inserts his bankbook into the ATM at step n1 (hereinafter, step ni is simply referred to as ni), the stripe R/W device 3 reads and checks the magnetic stripe information (n2, n3). Passbook transactions such as deposits and payments are conducted according to a separate program (not shown).
Processing is performed by communicating with the center based on this lead information.

In the case of bankbook entry, first the contents of data area A of the bankbook magnetic stripe are determined (n3). Area A
If "1" is not written in , it is determined that a delivery stamp is attached, and the unrecorded data received from the center is recorded in the passbook (n6). If “1” is written, it is determined that the passbook does not have a delivery stamp.
The passbook is ejected and returned to the customer (n4). At this time, you will be guided by voice and CRT display to have the notification stamp attached at the counter (n5).

Entries are made in the passbook with the delivery stamp, and when all unrecorded data has been printed, the passbook is returned and the bookkeeping transaction is completed (n7, n12, n14). On the other hand, when there is no space left to write in the passbook, the passbook is collected and a new passbook is drawn out (n7, n8). Next, after printing the remaining unrecorded data on the new passbook, unmarked data "1" is written on the magnetic stripe (n9 to n11).
After completing the entry into the new passbook, return it, but at this time, guidance will be given to have the registration stamp attached at the counter due to the update of the passbook, and the bookkeeping transaction will be completed (n13,
n14).

The above n4 corresponds to the return means of the present invention, and n5 corresponds to the guidance display means of the present invention.

As a result of the above operations, after a customer has updated their passbook to a new one at an ATM, even if they accidentally insert a passbook without a notification stamp, it will be returned to them. You can check this at an ATM. For financial institutions, it is possible to prohibit the use of passbooks without a registration stamp for ATM transactions, allowing smooth operation using only passbooks with a registration stamp attached, which has the effect of a certificate.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the specific operation of a bookkeeping transaction in an automatic teller machine (hereinafter referred to as an ATM) of a transaction processing system that is an embodiment of the present invention, and FIG. 2 is a schematic block diagram of the same ATM. Figure 3 is a configuration diagram of the main parts of the ATM's RAM, Figure 4 is a schematic configuration diagram of the ATM's passbook processing section, and Figure 5 is a schematic diagram of the ATM's passbook processing section.
The figure is a schematic block diagram of a wind machine used in the transaction processing system. DM……(Passbook magnetic stripe data)
RAM area.

Claims (1)

[Scope of Claims] 1. A transaction processing system comprising a terminal having a function of issuing a new bankbook and collecting an old bankbook and a function of displaying operational guidance, and a center that communicates with the terminal and processes transactions. The system includes: an unmarked data writing means for writing unmarked data indicating that a new passbook does not have a delivery stamp when a new passbook is issued; and a return means for returning the passbook without accepting a transaction when a passbook without the unmarked data is inserted. , A notification seal guidance display means is installed on the terminal to display guidance that a notification seal must be attached when a passbook without the unmarked data is returned, and when a notification seal is attached to a new passbook, the unmarked data of the passbook is displayed. A transaction processing system comprising an unmarked data erasing device for erasing data.