JPH07104889B2 - Automatic transaction processor - Google Patents

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction processing device, and more particularly, to an automatic transaction in which a reservation amount can be reserved and a reservation amount can be paid out using a transaction medium such as a card. Regarding a processing device.

As is well known in the prior art, financial institutions such as banks are equipped with automatic transaction processing devices such as ATMs (ATMs) and ATMs (CDs) so that customers do not rely on operators. You can use your card to pay cash. For example, a customer who pays out deposits using an ATM goes out to a place where the ATM is operating (for example, at a place where the ATM is installed from 9 am to 6 pm, and inserts a cash card into the card reader of the ATM). Then, the personal identification number data and the amount data indicating the amount to be paid are input from the keyboard.The ATM is normally connected to the center via a line and sends these data to the center. Based on the data obtained, the customer's account balance is checked to determine whether or not the withdrawal is possible, and the withdrawal permission / rejection result is transmitted to the ATM. Emit cash corresponding to the entered amount data.

Problems to be Solved by the Invention The time zone in which the conventional transaction processing apparatus can be used is limited to a certain time zone as described above, and cannot be used on holidays. It was inconvenient because it might not be available even if you wanted to.

Therefore, it is considered to extend the above-mentioned time limit or to operate the automatic transaction processing device on holidays, etc. There is a problem that the bills in the bill storage cartridge of the processing device are not replenished sufficiently.

It is also possible to make a payment only to the customer who made the reservation, but if the customer who made the reservation does not make the payment, a customer other than the reserved customer who suddenly needs to make the payment wants to use it. However, there is a problem that such a customer cannot make a payment.

Therefore, the main object of the present invention is to allow a reserved customer to pay out until a predetermined time, but after that time, cancel the reservation and allow the customer who wishes to pay out. It is to provide such an automatic transaction processing device.

Means for Solving Problems The automatic transaction processing device of the present invention is a storage unit that stores reserved customer identification data indicating reserved customers and reserved amount data in advance for each reserved customer, and a reading unit that reads transaction data from a transaction medium. Based on the read transaction data and the stored reserved customer identification data, a determining means for determining whether or not the customer is a reserved customer, a time measuring means for measuring the current time, and a predetermined time Before, at least the reserved customers are allowed to pay out, and after the predetermined time, the stored reserved customer identification data and the reserved amount data are erased,
And a payout control means for controlling the payout so that the customer who does not have a reservation can also pay the payout.

Function In the present invention, the reserved customer identification data indicating the reserved customer and the reserved amount data are stored in the storage means, and the determination means determines whether or not the customer is a reserved customer based on the transaction data and the reserved customer identification data. , At least before the predetermined time, the customer is allowed to pay out, and after the predetermined time, the reservation is canceled and the customer who does not have the reservation is also allowed to pay out. Can be paid out efficiently.

Example In the following description, an ATM will be described as an automatic transaction processing device, but it should be pointed out in advance that the present invention is applicable to a CD and other automatic transaction processing devices.

FIG. 5 is a diagram showing a payout reservation system including an ATM to which an embodiment of the present invention is applied, and FIG. 6 is a diagram showing an operation example of the ATM 1 shown in FIG. Next, the fifth
Structure of pay-out reservation system and AT with reference to FIG. 6 and FIG.
The outline of the operation of M is explained.

In the payout reservation system shown in FIG. 5, the customer calls in advance 4,
Notify the bank 3 of the reservation information by writing 5, ATM1a or CD6. This reservation information includes, for example, payout date data indicating a payout date for paying out, payout silver amount data indicating a payout amount, account number data indicating a customer's account number, and a machine number of an ATM or a CD to be paid out. Data etc. are included. The bank 3 registers the notified reservation information in the computer center 2. The computer center 2 edits the registered reservation information and notifies the edited reservation information for each ATM and CD machine number. Then, the ATM 1 that received the notification stores the notified reservation information in the memory 8 and also stores the total amount of the reservation amounts included in the reservation information.

At the handling start time shown in FIG. 6 (for example, 9:00 am), a banknote 231 of the ATM1 has a banknote amount of which is larger than the total reserved amount of money reserved to be paid out on that day.
It is assumed to be stored in. When a bill having a larger amount than the reserved total amount is stored in the cartridge 231, the ATM 1 is set to the first mode, and both the reserved customer and the non-reserved customer can pay out.

When paying out, the customer uses the card 7 as in the conventional case. The reservation information and the total amount of the reservation amount are updated for each payout to the reservation customer.

And the payout is made by a customer who has not made a reservation,
When the number of banknotes stored in the cartridge 231 reaches the number corresponding to the total reservation amount, the ATM1 is set to the second mode, only the reserved customers are allowed to pay out, and the non-reserved customers are restricted from paying out. . The second mode continues until a predetermined time (for example, 1:00 pm), and the third mode is set after the predetermined time.

When shifting to the third mode, all the reservation data stored in the memory 8 of the ATM1 is erased. That is, the reservation is considered canceled at this point. In the third mode, as long as banknotes are stored in the cartridge 231, all customers who visit the store are paid out. It should be noted that the transition from the second mode to the third mode at a predetermined time is notified from the bank 3 to the customer when the customer makes a reservation.

FIG. 7 is a perspective view showing the appearance of an ATM to which an embodiment of the present invention is applied. In FIG. 7, the ATM 1 vertical panel surface has a handling indicator 9, a passbook insertion hole 10 and a card insertion hole.
11 and a slip / banknote receiving slot 12 are provided. The handling indicator 9 displays, for example, "in handling" in a payable state, and "not handling" when, for example, there are no bills to be paid in the cartridge 231 described above. The passbook insertion hole 10 is for inserting a deposit passbook. The card insertion hole 11 is for inserting the card 7 shown in FIG. The slip / banknote receiving port 12 is for a customer to receive a slip or a banknote on which transaction details are printed.

Further, a banknote slot 13, a CRT display 14, and a keyboard 15 are provided on the horizontal panel surface of the ATM 1. The bill insertion slot 13 is for inserting a bill when depositing with the ATM 1. The CRT display 14 displays operation guide characters, amount data entered by the customer through key input, and the like. The keyboard 15 is for inputting personal identification number data and amount data, and for instructing the type of transaction, and includes a ten-key pad, transaction instruction keys, and the like.

FIG. 8 is a schematic block diagram showing the electrical configuration of the ATM1 shown in FIG. In FIG. 8, the ATM 20 is provided with a CPU 20. In addition to the CRT display 14 and the keyboard 15 described above, the CPU 20 includes a card reader 21, a bill acceptor 22, a bill ejector 23, a passbook printer 24, a slip issuer 25, a transmission control circuit 26, a RAM 27, a ROM 28, and a timer. 29 and are connected.

The card reader 21 is for reading card data from the card 7 shown in FIG. Here, the card data includes transaction data such as bank number data, branch number data, account number data and personal identification number data. Banknote pick-up machine 22
Is to convey and discriminate bills inserted from the bill insertion slot 13 and store them in a storage container (not shown). The bill discharging machine 23 feeds bills from a cartridge 231 that stores bills, conveys and discriminates the bills, and discharges the bills to the bill / banknote receiving port 12. The cartridge 231 is provided with a sensor (not shown) that detects the number of stored bills. The passbook printer 24 prints the transaction contents on the passbook inserted through the passbook insertion hole 10. The slip issuing machine 25 prints and issues the transaction details on the slip. Transmission control circuit
Reference numeral 26 mediates communication between the CPU 20 and the computer center 2.

The RAM 27 includes a storage area shown in FIG. 9 described later. R
The OM28 is a CP as shown in FIGS. 1 to 4 described later.
It stores the operation program of U20. Timer 29
Is for measuring the current time.

FIG. 9 is an illustrative view showing a storage area of the RAM 27 shown in FIG. In FIG. 9, the storage area of the RAM 27 is a reservation information table 271, a total reservation amount area 272, and a number buffer.
273 and card data storage area 274 and area 275 or area 277. The reservation information table 271 is an area for storing the reservation information transmitted from the computer center 2 shown in FIG. The reservation information table 271 includes reservation contents for each transaction, and each reservation contents includes account number data of a customer who made a reservation and withdrawal reservation amount data. Total reservation amount area
Reference numeral 272 is an area for totaling the payout reservation amounts included in the reservation information table 271. The contents of the reservation information table 271 and the reservation amount total area 272 are updated every time the reservation amount is paid out. The numeral buffer 273 is an area for temporarily storing numerical data input from the keyboard 15. The card data storage area 274 is an area for storing the card data read by the card reader 21. Area 275 is first
Area 276 is an area for storing a mode flag, area 276 is an area for storing a second mode flag, and area 277 is an area for storing a third mode flag.

1 to 4 are flow charts for explaining the operation of one embodiment of the present invention. In particular, FIG. 1 shows the outline of the processing operation, and FIGS. 2 to 4 show the operation of FIG. Details of the processing operation shown in FIG. First, the general operation of the payout process shown in FIG. 1 will be described.

The CPU 20 of the ATM 1 determines whether or not the cartridge 231 stores bills of an amount exceeding the reserved amount. When the amount of bills exceeding the reserved amount is stored in the cartridge 231, the first mode flag is set and the payout process is performed in the first mode. In this first mode, payout is possible regardless of whether or not there is a reservation. When the amount of bills exceeding the reserved amount is not stored in the cartridge 231, it is determined whether the current time is before the predetermined time. If it is before the predetermined time, the second mode flag is set and the payout process is performed in the second mode. In this second mode, only reserved customers can pay out.

Then, when a predetermined time comes, the third mode flag is set, the reservation cancellation process is performed, and the payout process is performed in the third mode. The third mode flag may be set based on an instruction from the computer center 2, for example,
Alternatively, the predetermined time to shift to the third mode may be stored in the RAM 27 in advance and set when the current time measured by the timer 29 reaches the predetermined time. In the above reservation cancellation processing, the CPU 20 causes the reservation information table 271
And the contents of the total reserved amount area 272 are deleted. In the third mode, customers who visit the store can be paid out. After performing the payout process for one transaction in each mode, the CPU 20 determines whether or not the banknotes remain in the cartridge 231, and if the banknotes remain, the payout process is performed in any mode, but the banknotes remain. If not, the handling indicator 9 indicates that the item cannot be handled.

Next, the operation in the first mode will be described in detail with reference to FIGS. 2 to 9.

The CPU 20 waits until the card 7 is inserted, and stores the card data in the card data storage area 274 in response to the card data being read by the card reader 21. Subsequently, the CPU 20 searches the reservation information table 271 based on the account number data included in the card data,
It is determined whether the customer is a reserved customer. Next, the operation when it is determined that the customer is a reserved customer will be described.

The customer operates the keyboard 15 to input the personal identification number data. The personal identification number data is stored in the numeral buffer 273 every time digit is input. Then, for example, in response to the input of the 4-digit personal identification number data, the CPU 20 determines the personal identification number data stored in the replacement buffer 273 and the personal identification number data included in the card data stored in the card data storage area 274. It is determined whether or not match. If the security code data do not match, the card is returned and the operation ends, but if the security code data match,
The payout reservation amount of the customer is read out from the reservation information table 271, and the banknote corresponding to the reservation amount is paid out from the cartridge 231 by the banknote ejector 23 and the slip / banknote receiving port 1
Release to 2. Subsequently, the CPU 20 deletes the account number data and the payout reserved amount data of the customer from the reservation information table 271, and subtracts the payout amount of the customer from the total reserved amount stored in the total reserved amount area 272. ,
The remaining amount is stored in the total reserved amount area 272 as a new total reserved amount. Then, the CPU 20 returns the card 7 and ends the operation.

On the other hand, when it is determined that the customer is not a reserved customer, the CPU 20 determines whether the personal identification number data input from the keyboard 15 and stored in the numeral buffer 273 matches the personal identification number data included in the card data. If the personal identification number data do not match, the card is returned and the operation ends. If the personal identification number data matches, the customer waits until the payout amount data is input, and in response to the input of the payout amount data, the card data and the payout amount data are transmitted to the computer center 2. The computer center investigates the account balance of the customer based on the transmitted card data and payout amount data, and transmits the investigation result to the ATM 1. In response to receipt of the payout permission result from the computer center 2, the CPU 20 discharges a banknote corresponding to the payout amount to the voucher / banknote receiving slot 12 by the banknote discharging machine 23 if the payout is possible, and then the card Return and finish the operation.

Next, the operation in the second mode will be described in detail with reference to FIGS. 3 to 9.

In response to the card data being read by the card reader 21, the CPU 20 stores the card data in the card data storage area 274. Subsequently, the CPU 20 searches the reservation information table 271 based on the account number data included in the read card data in the same manner as described above, and determines whether or not the customer is a reserved customer. Then, when it is determined that the customer is not a reserved customer, "Could not be handled" is displayed on the CRT display 14, the card is returned, and the operation ends.

When the customer is a reserved customer, the CPU 20 uses the keyboard 1
It is determined whether or not the personal identification number data input from 5 and the personal identification number data included in the card data match, and if they match, the payout reservation amount of the customer is read from the reservation information table 271 and the payout amount is paid out. The banknote corresponding to the reserved amount is discharged to the slip / banknote receiving slot 12. Subsequently, the CPU 20 erases the account number data and the payout reservation amount data of the customer from the reservation information table 271 and subtracts the payout reservation amount data of the customer from the reservation total amount data stored in the total reservation amount area 272. , And stores the result as new reservation total amount data. Then, the CPU 20 returns the card and ends the operation.

Next, the operation in the third mode will be described in detail with reference to FIGS. 4 to 9.

The CPU 20 stores the card data read by the card reader 21 in the card data storage area 274. Next, CPU
Reference numeral 20 determines whether or not the personal identification number data input from the keyboard 15 matches the personal identification number data included in the card data. If the personal identification number data does not match, the card is returned and the operation ends.

If the personal identification number data match, then wait until the withdrawal amount data is entered from the keyboard 15 and, in response to the withdrawal amount being entered, enter the withdrawal amount data and the card data into the computer center. Send to 2. Similarly to the above, the computer center 2 investigates the account balance of the customer based on the transmitted card data and payout amount data, and transmits the investigation result to the ATM 1. If the payout acceptance result transmitted from the computer center 2 is payable, the CPU 20 causes the banknote discharging machine 23 to discharge a banknote corresponding to the payout amount to the voucher / banknote receiving slot 12, and then returns the card. The operation ends. In the above-mentioned embodiment, the identification number is collated by the ATM 1, but it is not limited to this and may be conducted by the computer center 2. In this case, the card data and the input personal identification number data are transmitted to the computer center 2. Then, the computer center determines whether or not the personal identification number data match based on the correspondence table of the previously stored account number data and personal identification number data.

Further, in the above-described embodiment, the post-payout process, which is performed by the computer center in response to the payout permission / non-payment result, is performed in the payout process for non-reserved customers in the first mode and the payout process in the third mode. Not limited to this, the payout processing is performed offline, and the computer center 2 is set at an appropriate time.
Alternatively, the payment processing may be performed.

Furthermore, in the above embodiment, a general card such as a magnetic card that stores fixed data is used as an example of the transaction medium, but instead of this, various data can be stored. It goes without saying that the present invention can also be applied to a transaction medium such as an IC card.

EFFECTS OF THE INVENTION As described above, according to the present invention, reserved customer identification data indicating a reserved customer and customer amount data are stored in the storage means, and the determination means makes a reservation based on the transaction data and the reserved customer identification data. It is determined whether or not the customer is a customer, and at least the reserved customer is allowed to pay out before the predetermined time, and after the predetermined time, the reservation is canceled and the customer who has no reservation is also allowed to pay. Therefore, even a customer who does not have a reservation can efficiently pay out a customer who needs cash.

[Brief description of drawings]

FIG. 1 is a flow chart for explaining a schematic operation of an embodiment of the present invention. FIG. 2 is a flow chart for explaining the operation in the first mode shown in FIG. FIG. 3 is a flow chart for explaining the operation in the second mode shown in FIG. FIG. 4 is a flow chart for explaining the operation in the third mode shown in FIG. FIG. 5 is a diagram showing a payout reservation system including an ATM to which an embodiment of the present invention is applied. FIG. 6 is a diagram showing an operation example of the ATM shown in FIG. FIG. 7 shows A shown in FIG.
It is an appearance perspective view of TM. FIG. 8 is a schematic block diagram showing the electrical configuration of the ATM shown in FIG. FIG. 9 is an illustrative view showing a storage area of the RAM shown in FIG. In the figure, 1 is ATM, 2 is computer center, 3 is bank,
7 is a card, 9 is a handling indicator, 10 is a passbook insertion hole, 11 is a card insertion hole, 12 is a bill / banknote receiving slot, 13 is a bill slot, 14 is a CRT display, 15 is a keyboard, 20 is a CPU,
21 is a card reader, 22 is a bill taking machine, 23 is a bill discharging machine,
24 is a passbook printer, 25 is a slip issuing machine, 26 is a transmission control circuit,
27 is a RAM, 28 is a ROM, 29 is a timer, 271 is a reservation information table, and 272 is a reservation amount total area.

Claims (2)

[Claims] Claims: 1. An automatic transaction processing device that stores bills to be paid out, and when a customer makes a reservation for deposit withdrawal, pays the reserved amount using a transaction medium. Storage means for storing reserved customer identification data and reserved amount data indicating a reserved customer, reading means for reading transaction data from a transaction medium, the customer based on the read transaction data and the stored reserved customer identification data Is a reserved customer, a time measuring means for measuring the current time, and before the predetermined time, at least the reserved customer is allowed to pay out, and after the predetermined time, the above-mentioned memory is stored. Delete the reserved customer identification data and reserved amount data,
An automatic transaction processing device equipped with a payout control means for controlling payouts so that even customers who do not have reservations are allowed to pay out. 2. A reservation total amount storage unit for storing the total amount of each reservation amount excluding the amount paid out to the reservation customer, and an amount exceeding the reservation total amount stored in the reservation total amount storage unit. The detection means for detecting whether or not the banknotes are stored, and the payout control means stores the banknotes having an amount exceeding the total reservation amount by the detecting means before the predetermined time. Is detected,
Allows payout to customers other than reserved customers, and pays out so that only the reserved customers are allowed to pay out, when the detection means detects that the bills of the amount exceeding the total reserved amount are not stored. The automatic transaction processing device according to claim 1, wherein the automatic transaction processing device is controlled.