JPH0660101A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To allow a customer user to easily confirm a residual amount when a fault takes place during the payment transaction by displaying account residual amount information including a residual amount before and after communication with a center and printing it out onto a detailed slip through a command from a control section. CONSTITUTION:This equipment is provided with a storage section 5 storing the information of payment transaction when a fault takes place, a control section 4 implementing line control to a center 6 and giving a command to the storage section 5, a display section 1 and a card slip section 2. On the occurrence of a fault in the payment transaction after the communication with the center 6, when a customer user selects and enters 'collation of residual amount on the occurrence of fault by the transaction type guide display just after the occurrence of the fault when the residual amount before and after the communication is able to be displayed, or after the fault is recovered when the residual amount before and after the communication is unable to be displayed, the control section 4 allows the display section 1 to display the residual amount before and after the communication on the occurrence of the fault altogether. Otherwise, when a slip printer is not out of order, the residual amount before and after the communication is printed out on a detailed slip.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic teller machine including an automatic teller machine (hereinafter referred to as ATM) and an automatic teller machine (hereinafter referred to as CD), which is provided with a display section and a card slip section. Regarding things.

[0002]

2. Description of the Related Art In recent years, automatic transaction devices have been remarkably widespread, and CDs, which are lower in price than ATMs, have been installed in stores such as branch offices, apart from the sales offices of financial institutions.
The number of facilities is increasing, but along with this, not only holiday operations but also unmanned operations are the majority. CD
Since the usage rate is high, the device itself, especially the banknote ejection unit for ejecting banknotes, naturally suffers many obstacles, and if a banknote jam occurs during the banknote ejection operation of the payment transaction, the CD will be discontinued. . In such a case, the transaction card has a function of automatically returning it to the customer, but since it is a failure that occurs after communication with the central processing unit (hereinafter referred to as the center) is completed, Before receiving the designated withdrawal amount, the customer may be anxious that the account balance of the personal file on the center side has already been updated. In such a case, the conventional CD has a degenerate operation function, that is, a system in which when one element function fails, another element function acts on its behalf, so that the device mechanism is initialized or reset. In the event of a banknote jam failure, it is difficult to automatically recover. For this reason, for example, a guidance display such as "a trouble has occurred and the handling has been discontinued. Please contact the staff member via the intercom." Is displayed. Even if the customer contacted the clerk about the failure, the clerk could not get a clear answer regarding the balance survey of the personal file on the center side, and there was usually no means for checking the balance. For this reason, the customer visits the sales counter to inquire about the current balance, or the CD customer generally does not carry a passbook, so bring the passbook at a later date,
The actual situation is to check the balance before and after the occurrence of a failure for the first time by performing the bookkeeping using an ATM of another branch store equipped with a bookkeeping mechanism.

[0003]

As described above, it is rare for a customer who makes payment transactions by CD to carry a card with a bankbook at all times, and most branch offices of financial institutions often have only a CD installed. Since there are few cases that are equipped with, the going to the store of the financial institution to check the balance will be troublesome for the customer,
There was a problem from the perspective of improving customer service, and improvement measures were required. The present invention has been made in view of the above problems, and an object thereof is to provide an automatic transaction device in which a user's balance can be easily confirmed immediately when a failure occurs during a payment transaction.

[0004]

Means for solving the above problems are set forth in the claims. That is, an object of the present invention is to store at least a storage unit that stores information when a failure occurs in a payment transaction, a control unit that controls a line with a center and issues a command to the storage unit, and a command from the control unit. This is achieved by an automatic transaction apparatus comprising a display unit for displaying account balance information including a balance before and after center communication, and a card slip unit for printing the display contents on a statement slip.

[0005]

With the above configuration, when a failure occurs after the communication with the center in the payment transaction, if the balance before and after the communication can be displayed, immediately after the failure occurs, and if not, after the failure recovery, the transaction type guidance display When the customer selects and inputs "Inquiry balance at the time of failure", the center receives the pre-center communication balance and the post-center communication balance that are edited and created based on the customer's input information sent from the control unit when a failure occurs. By doing so, the control unit displays the balance before communication and the balance after communication at the time of failure together on the display unit, or when the slip printing mechanism is not down, prints out the statement slip. .

[0006]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to FIGS. FIG. 1 is a block diagram showing the configuration of control relationships when the present invention is applied to a CD.

Reference numeral 1 denotes a display unit on which a key for input operation and an instruction for input guidance is displayed on the screen, which may be either a CRT or a liquid crystal, and is usually called a touch panel, and an illustration key displayed on the screen is touched with a finger. , A touch screen for identifying and detecting the intercepted portion by intercepting the light beam and transmitting the input information by the key as an electric signal. The input information is transmitted by the key operation, and a guidance is provided for various operations in response to a command from the control unit 4 described later. Reference numeral 2 is a card slip section for carrying a transaction medium such as a magnetic card (not shown), reading and writing stored contents, and issuing detailed slips. Reference numeral 3 is a bill discharging unit that discharges cash at the time of payment transaction, and 4 is a control unit that commands control of the CD body 10. Inside the control unit 4, a storage unit 5 and a line control unit 7 are provided. The line control unit 7 is a center 6 that stores all information related to the customer's transaction business.
And data transmission control. Although not shown, a power supply unit for supplying electric power to each of these components and a voice guidance unit for guiding guidance by voice are also provided. Further, the storage unit 5 is provided with a ROM storing a so-called program such as the control procedure and control constants of the present CD, and a RAM capable of reading and writing various flags and areas in the control process. Controls the start and stop of the respective parts based on the program.

The operation of the present invention having the above construction will be described with reference to FIG.
A detailed description will be given based on the operation flow chart shown in FIG. In the figure, each operation step is shown by S01 to S46. S01: Indicates the start of transaction. S02: The user inserts the magnetic card into the card insertion port (not shown) of the apparatus main body 10 according to the guide for inserting the transaction medium card.
To insert. S03: The data of the inserted magnetic card is read and stored in the storage unit 5.

S04: Transaction type guidance is displayed on the display unit 1. S05: The transaction type is selected by the customer. S06: The control unit 4 stores the transaction type in the storage unit 5. S07: It is determined whether or not the failure balance inquiry transaction of the present invention is selected. This step is, for example, a step selected when the illustration key for inquiring about the balance at the time of failure is selected on the display screen shown in FIG. In order to explain the operation of this embodiment in order, an illustration key for payment is used.
The case where the user touches is described: S08: The control unit 4 determines whether or not the transaction is a payment transaction. S09: When it is not the transaction for payment, the conventional transaction such as balance inquiry and cashing is performed. S10: If the transaction is a payment transaction in step S08, the display unit 1 displays a guide for inputting a personal identification number and an amount.
Is displayed in. S11: The customer inputs the personal identification number and the amount of money from the touch panel of the display unit 1. S12: The display unit 1 displays the amount of money inputted by the customer in response to a command from the control unit 4, and confirms whether or not the displayed amount of money is correct or displays an illustration key for cancellation, and the customer selects one of them. . S13: When the cancel key is touched with the finger, a known cancel process is performed. S14: When the confirmation key is touched, communication with the center 6 is performed, and the CD receives the customer data necessary for the transaction. S15: The collation check between the personal identification number input in S11 and the personal identification number of the customer recorded in the center 6 is performed. S16: If the personal identification number is abnormal, a known personal identification mistake process is performed. S17: When the personal identification number is normal, the input total amount and the balance are collated based on the customer balance information transmitted from the center 6 in S14. S18: It is determined whether payment is possible. S19 to S22: If payment is not possible, known processing is performed. S23 to S30: If payment is possible, similarly known processing is similarly performed. S31: In S25, the conveyance abnormality such as a jam is continuously monitored while the bill is discharged from the bill discharging unit, and if a jam failure occurs, the device mechanism is forcibly stopped and the dispensed bill is collected, and then the storage unit. The customer's account number within 5,
The content of failure, the date of failure, time, and other information are stored. S32: An appropriate guidance display is displayed to the user according to the contents shown in FIG. 4 or FIG. This is normally the line controller 7
Unless it goes down, communication with the center 6 will continue even after the occurrence of a failure. Therefore, if the center 6 cannot pay due to the failure report data from the CD, the balance of the users recorded in the center 6 will be recorded. It is possible to correct the balance to be restored. When the message that the balance correction is completed is transmitted to the CD, the CD can display the guidance display shown in FIG. 4 immediately after the failure. When communication with the center 6 becomes impossible due to a line down or the like, the guidance display shown in FIG. 5 is displayed. In FIG. 4, when the balance after the center communication is updated by a designated amount less than the balance before the center communication without paying the cash to the customer, the control unit 4 of the CD has the contents shown in FIG. After displaying the guide, although not shown, an inquiry is made to a sales office or a branch office, or a guide is displayed so as to request a visit. Further, when the balance after the center communication coincides with the balance before the center communication and the balance has already been updated, the user can understand that the balance has not been updated even with the guidance display shown in FIG. However, although not shown, it is preferable to change the display screen immediately after this to display just in case that the balance has not been updated. Further, although not shown in the present embodiment, the contents shown in FIG. 4 can be printed on the statement slip by the card slip section 2 after the screen is displayed and by the user's key selection. Further, after the contents are displayed in FIG. 4, it is also possible to display the scheduled time when the automatic transaction device is in recovery operation. S33: Return the transaction card to the customer. S34: The automatic transaction device is discontinued. In this embodiment, when the card slip unit 2 is operable, the contents displayed on the screen are printed on the statement sheet in parallel with the screen display regardless of the customer's key selection, and the transaction card and statement sheet are simultaneously printed. By returning the statement slips to the customer's transaction proof at the time of failure occurrence and controlling the trouble at the time of failure occurrence, the practical effect can be further improved. Become.

In the above description, the fact that the balance does not change means that the balance content of the ledger, which is a personal file, has not been changed, and the main transaction due to the occurrence of failure has been invalidated. It means that there is no hindrance to transactions, ”
It goes without saying that printing the above comment on the user will contribute to further improvement in serviceability.

The obstacles described in step S25 are not limited to banknote jams, and abnormalities in feeding out from a cash storage unit (not shown), inconsistencies between the number of discharged banknotes and the designated number of payments by the customer, and various other abnormalities. It is comprehensive, and the point is that obstacles that make it impossible to make normal transactions with customers and become insolvent can be targeted.

When the handling is stopped, the staff member performs the processing corresponding to the failure, and finally, the failure report data is transmitted from the CD side to the center 6 as described later, and the apparatus It will be able to operate again after waiting for recovery. In this case, it is conceivable that the recovery process is performed from the center 6 side to the CD side. Here, in this embodiment, a process of displaying the guidance shown in FIG. 4 will be described in detail. When transmitting the failure report data from the CD side to the center 6, information such as the customer's account number, failure code, failure occurrence date, time, specified amount, bill non-payment flag, etc. should be provided. In this way, the center 6 side is provided with a new failure information area 6a to 6c of the personal file 6A recorded in the storage portion of the center 6 side shown in FIG. Based on the report data, the date and time of failure, the time, the balance before communication, and the balance after communication are edited, created, and recorded. CD
When the bill payment disallowed flag is set and transmitted from the side, if the balance can be returned to the original state, the post-communication balance 6C is returned to the original state, that is, writing is performed with the same value as the pre-communication balance. Also, the latest balance 6d of the customer is updated to the amount before the communication. If it cannot be returned due to some reason, the balances before and after the communication are recorded as not matching, and the center 6 sends a message to the CD. The zero clearing of the failure time information areas 6a to 6c is controlled so that it will be cleared to zero after the inquiry of the balance at the time of failure by the user, which will be described later, is performed. Therefore, if the balance inquiry at the time of failure is not performed and the payment transaction is performed by the customer thereafter, it is clear that the latest balance 6d and the balances of 6b and 6c do not match, and the balances of 6b and 6c are only It means the balance at the time of failure. S35: When a trouble occurs and the guidance display shown in FIG. 5 is displayed, the customer selects the balance inquiry at the time of failure, the transaction is determined to be the balance inquiry at the time of step S07, and the PIN input guidance is provided. Be seen. S36: The user inputs the personal identification number. S37: Communication with the center 6 is performed. At this time, the CD side transmits the account number of the customer, the entered personal identification number, a flag indicating the balance inquiry at the time of failure as a transaction type, and other information. S38: The center side receives this, searches the customer's personal file from the account number, and shows a flag indicating the result of comparison with the personal identification number stored in the center, and the failure information areas 6a to 6c shown in FIG. All data of the above is transmitted to the CD side.
On the CD side, after recording these data in the storage unit 5,
Key Judges whether the entered PIN is normal or not. If it is abnormal, the process goes to a known secret identification error process as in S16. S39: When the personal identification number is normal, the balance at the time of failure is displayed with the content shown in FIG. When no fault has occurred by the customer, the fact that there is no fault is displayed on the display unit. The display content is a device failure because the balances before and after communication with the center 6 at the time of failure occurrence are displayed side by side so that the customer can recognize at a glance, regardless of the current latest balance. It is possible to clearly confirm whether or not the balance has been hindered. If the balances before and after the communication do not match, the control section 4 displays a guide to the customer at the store counter. Here, as an application example of the present invention, the value of the latest balance 6d may also be displayed together for convenience. Further, when selecting the transaction type, the above three types of balances may be displayed when both the balance inquiry at the time of failure and the normal balance inquiry are continuously touched. The "account balance information including at least the balance before and after the center communication" described in claim 1 is recorded in, for example, the failure information areas 6a, 6b, 6c, 6d of the embodiment.
It corresponds to the date of failure, time, balance before communication, balance after communication, and latest balance.

S40: After displaying the balance at the time of failure for a certain period of time, it is displayed whether or not this content is printed on the statement slip. S41: The customer selects any of the above.

S43: When printing is desired, the printed detailed slip is released.

S44: After this, the CD stores the account number in the specific area (not shown) of the storage unit that the inquiry about the balance at the time of failure is completed.

S45: The transaction card is returned to the customer.

S46: The balance inquiry transaction at the time of this failure ends. With respect to the recorded account number, the CD side transmits the information to the center 6 at an appropriate timing, for example, immediately after the end of the main transaction or when another user makes a transaction.
The center 6 side clears the fault information areas 6a to 6c to 0.

In the present embodiment, after making the inquiry about the balance at the time of failure, the inquiry cannot be made again.
By changing the clear control method, it is easy to make it possible any number of times at any time, and multiple failure information areas are provided, and failure information is displayed multiple times in order of the date and time of failure occurrence. It is also possible to arbitrarily select a failure balance for only a specified date or a specified date. Further, when the present invention is applied to ATM, not only the statement sheet but also the passbook may be printed and recorded by the format shown in FIG. The format for displaying and printing the balance at the time of failure is not limited to that in the embodiment. In this embodiment, the display screen immediately after the occurrence of the failure and the display screen at the time of the transaction for inquiry of the balance at the time of failure are as shown in FIG. They may be separated from each other, and voice guidance that can be heard only by the user himself / herself, such as an intercom, or notification by a mailing system is conceivable. Examples within a range not departing from the gist of the present invention are provided. It goes without saying that can be considered.

In this embodiment, the latest balance information is always inquired. Conventionally, after the communication with the center, whether or not the balance is correct when a failure occurs is determined after the last normal transaction. The customer himself had to judge the balance of the statement slip and the balance of this time, but according to the present embodiment, even when the balance inquiry is made retroactively to the past failure occurrence date, The feature is that the account balance before and after the communication can be immediately known.

Incidentally, the balance inquiry at the time of failure of the present invention is controlled so that the software can be simplified so that it can be supported by a normal balance inquiry transaction, and the key input of the balance inquiry at the time of failure can be performed on the way. However, in order to display or print the balance at the time of the failure, it is essential to add the control according to the present invention.

Further, in the present embodiment, the balance before and after the communication with the center 6 is edited and recorded on the side of the center 6, but when the accuracy is not particularly required, the CD of the terminal is used.
It may be possible to edit and store it on the side and display or print it, but it is preferable from the standpoint of reliability that the customer can check the balance managed by the center 6 without hesitation. is there. Further, it is also easy to adopt a control system in which a trouble occurrence code is stored in the transaction card of the customer when a trouble occurs and the trouble balance inquiry guidance is given when the trouble card is fetched.

[0022]

As a result of the implementation of the present invention, in the conventional automatic transaction apparatus, the balance before and after the communication with the center at the time of a failure which could not be confirmed by the normal balance inquiry operation can be performed by the customer himself / herself. You can easily check it.
In particular, when the slip printing mechanism is not out of order, it can be printed on a statement slip as a proof of transaction and output to notify the customer, so that the account balance of the customer due to the failure of the automatic transaction device can be notified. We were able to provide an automated transaction machine with excellent customer service and extremely high practical value.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a CD according to the present invention.

FIG. 2 is a flowchart showing the control relationship of an embodiment of the present invention.

FIG. 3 is a selection screen of an embodiment when a key for inquiring a balance at the time of failure is pressed.

FIG. 4 is a balance display screen before and after center communication according to an embodiment when a failure occurs.

FIG. 5 is a guide screen of an embodiment when a failure occurs.

FIG. 6 is an embodiment diagram showing the contents of a personal file recorded on the center side.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Display part 2 ... Card slip part 3 ... Banknote discharge part 4 ... Control part 5 ... Storage part 6 ... Center 7 ... Line control part S01-S46 ... Processing step

Claims (1)

[Claims] 1. A storage unit for storing information when a payment transaction failure occurs, a control unit for performing line control with a center and for issuing an instruction to the storage unit, and at least before and after center communication by an instruction from the control unit. An automatic transaction apparatus comprising: a display unit for displaying account balance information including a balance, and a card slip unit for printing the display contents on a statement slip.