JPH0714051A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To improve the operability of an automatic transaction device. CONSTITUTION:In the automatic transaction device provided with a card transaction part 30, which executes a prescribed transaction by insertion of a card 40, and a card and bankbook transaction part 31 which executes a prescribed transaction by insertion of the card 40 and a bankbook 41 and writes data in the bankbook, a switching part 32 is provided, and this part 32 returns the bankbook to switch the card and bankbook transaction to the card transaction in the card transaction part 30 if the prescribed transaction based on the card and the bankbook is selected and error is detected as the result of bankbook check in the card and bankbook transaction part 31.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an improvement of an automatic transaction device for performing a transaction by a customer operation using a transaction card and a passbook.

ATM, ATM, CD,
Automatic transaction devices such as automatic transfer machines are well known. Among the automatic transaction apparatuses for performing the payment transaction and the transfer transaction, there is an apparatus for performing the transaction by using a card and a passbook together in order to record the transaction result, in addition to the transaction by the transaction card (hereinafter referred to as a card).

In this card / passbook combined transaction, in addition to the card check, the contents of the MS (magnetic stripe) of the passbook are read to check whether or not the transaction is possible. As a result of the passbook check, a card / passbook collation error, a passbook MS When an error such as a defect occurs, conventionally, the passbook is reinserted within the preset insertion limit number, or the card and passbook are returned as transaction impossible and the transaction is terminated. .

When the transaction becomes unsuccessful, the customer will again carry out the card passbook combined transaction or the card only transaction again, but the operating efficiency of the automatic transaction device will be deteriorated or the financial institution will May lead to a decline in credit. Therefore, it is necessary to perform a smooth process when a passbook check error occurs.

[0005]

2. Description of the Related Art FIG. 5 is an external view of an ATM, and FIG. 6 is a flowchart of a payment transaction process of a conventional example.

FIG. 5 shows an example of the appearance of an automatic teller machine ATM, 2 is a passbook insertion slot, 3 is a cash input / output slot,
Reference numeral 4 is a card insertion / statement discharge port, and 5 is a display unit provided with a touch key for displaying guidance.

The cash payment transaction processing by this ATM is as follows. See FIG. 6 [Card Transaction] First, "Payment" on the guide screen displayed on the display unit 5 is selected by the touch key. This allows
Payment transactions are possible. Then, according to the guidance display, select "no passbook" and insert the card into the card insertion / statement discharge port 4. Next, enter the PIN and the requested payment amount. As a result, the ATM collates the personal identification number recorded on the card with the personal identification number entered, and if they match, it includes transaction information such as the payment amount, the bank name recorded on the card, and the card identification number. Send a card payment transaction request message to the host computer. The host refers to the master file and returns the card payment transaction permission message if the payment amount is within the deposit amount. At the ATM which has received the card payment transaction permission message, the cash is counted by a cash handling device (not shown), the statement is printed, and then the card and the statement are discharged from the card insertion / statement discharge port 4. Then, the counted cash is discharged to the cash input / output port 3 to end the transaction.

[Card passbook combined transaction] (1) After selecting "Payment", select "With passbook", (2) Insert the card into the card insertion / statement exit 4, and (3) Passbook Insert into the insertion slot 2. (4) Next, enter the PIN and the requested payment amount. (5) During this period, the MS of the inserted passbook is read, the recorded transaction information is read, and the passbook is checked to see if the transaction is possible, such as matching with a card. Then, if the check is OK, the passbook payment transaction request message is transmitted to the host, and the passbook payment transaction permission message returned from the host is received. (6) As a result, the cash is counted in the ATM, (7) the bookkeeping is performed by the bookkeeping data received by the passbook payment transaction permission message, and (8) the card and passbook are returned. (9) At the same time, cash is released and the transaction is terminated. It should be noted that, in the transaction with card passbook, passbook check error (N
If G) occurs, the card and passbook will be returned and the transaction will be terminated.

Although the payment transaction has been described above, there are card transaction and card passbook combined transaction in the case of the transfer transaction using deposit, and the same processing as the payment transaction is performed.
That is, in the "amount input" of the payment transaction of FIG. 6, the transfer destination information and the transfer amount are input, and the master file is debited by the host. After that, in the case of a card transaction, the statement of the transfer result is discharged together with the card, and in the case of the card / passbook combined transaction, the bookkeeping is performed and the card and the passbook are returned and the transaction ends.

Also in the case of the card / passbook combined transaction in this transfer transaction, when the passbook check NG occurs, the card and the passbook are returned and the transaction is terminated. In case of passbook check NG, the passbook is ejected and the card is inserted.
There is also a device that prompts you to re-enter your passbook. In this case, when the limit number of times is exceeded, the card and passbook are released and the transaction is forcibly terminated.

[0011]

As described above,
When payment transaction / transfer transaction etc. are carried out by the automatic transaction device by using card passbook together, if a passbook check error such as card / passbook collation error or passbook MS failure occurs, the card / passbook is returned as transaction NG and the transaction ends I was letting it.

[0012] In such a case, it is general that the customer tries again the combined card / passbook transaction or shifts to the card transaction again, and the operation efficiency of the automatic transaction apparatus decreases,
The issue arises that the customer's credit will also decline.

It is an object of the present invention to provide an automatic transaction device which solves the above problems.

[0014]

In order to achieve the above object, the automatic transaction apparatus of the present invention is a card for performing a predetermined transaction by inserting a card 40 as shown in the principle diagram of the present invention of FIG. In the automatic transaction device comprising a transaction unit 30, a card / passbook combination transaction unit 31 for performing the predetermined transaction by inserting the card 40 and the passbook 41, and performing the entry in the passbook, the card and the passbook are used. When a predetermined transaction is selected and an error is detected as a result of the passbook check in the card passbook combined use transaction unit 31, a switching unit 32 for returning the passbook and shifting to the card transaction by the card transaction unit 30 is provided. Constitute.

[0015]

[Operation] When a cardbook 40 and a bankbook 41 are inserted in a cardbook combined transaction, the cardbook combined transaction section 31 performs a bankbook check, but a bankbook check error, for example, insertion of another bank's bankbook or insertion of a bankbook that has been carried forward , When a passbook MS failure, card / passbook verification failure, etc. are detected, the card / passbook combined transaction unit 31 interrupts other processing such as "amount input" or terminates the series of processing. The switching unit 32 is notified later. As a result, the switching unit 32 releases the passbook 41 and transfers control to the card transaction unit 30.

The card transaction unit 30 to which the control is transferred restarts the interrupted processing, and thereafter performs the customer input processing → transmission / reception processing → second half transaction processing → card / receipt return as a card transaction.

As described above, even if a passbook check error occurs, by transferring to a card transaction, predetermined transactions such as payment and transfer can be achieved, and card transaction operation is not required from the beginning. Operability is improved, and equipment availability is improved.

[0018]

FIG. 2 is a configuration diagram of one embodiment, FIG. 3 is a flowchart of a payment transaction process of one embodiment, and FIG. 4 is a diagram showing an example of a guide display for transition to a card transaction.

FIG. 2 shows an example of the ATM structure. In the figure, reference numeral 10 denotes an interface unit, which communicates with a host computer (host). Reference numeral 11 is a control unit, which controls each ATM unit to execute a transaction. A customer operation panel 17 is, for example, a touch key formed on the display surface. A display unit 18 displays an operation guide screen. Reference numeral 19 denotes a passbook printing MS reader / writer for reading / writing the MS portion of the inserted passbook 41 and making a book entry. A transaction statement printing unit 20 issues a statement 42. A card reader / writer 21 reads and writes data recorded on the inserted card 40. A cash handling device 22 handles bills for payment and bills for deposit.

Further, in the control unit 11, 13 is a card passbook combined use transaction unit, which executes payment transactions using card passbook combined use based on a customer operation. Reference numeral 14-1 is a card transaction section, which performs the first half processing of payment transaction by card, here, the processing up to the amount input (S7 to S8 in FIG. 3). 14-2 is the card transaction department in the latter half of payment transactions by card, here after the amount input (S
9 and later). However, when the control is transferred from the switching unit 15, the final process of the card / passbook combined transaction unit 13 is confirmed and the process is restarted so that the process is continued. For example,
If there is no amount input at the time when the control is transferred, the process is executed from the process of prompting the amount input, and if the amount input is already completed, the transaction is executed from the next step. Reference numeral 12 denotes a main control unit, which controls the card passbook combined transaction unit 13, the card transaction units 14-1 and 14-2, the switching unit 15 and the like to execute the transaction.

Reference numeral 16 denotes a switching unit which is activated when a passbook check error occurs in the card / passbook combined transaction unit 13 to release the passbook 41 and display a card transaction transition guide as shown in FIG. Control is transferred to the trading unit 14-2.

The card transaction section 30 of FIG. 1 corresponds to the card transaction sections 14-1 and 14-2, and the card passbook combined transaction section 31 corresponds to the card passbook combined transaction section 13, respectively. Although not shown, the transaction unit also has another transaction unit, for example, a deposit transaction unit.

In the ATM having the above-mentioned structure, a processing example of a payment transaction using a card passbook together will be described below. See FIG. 3. The main control unit 12 displays a guidance of transaction types such as “payment” and “deposit”, and sets a state waiting for customer input. When the customer selects "Payment" according to this guidance display and (S1) "Passbook available", the card bankbook combined transaction section is selected.
13 is activated and the card / passbook waits for insertion. (S2) Here, when the customer inserts the card 40 and the passbook 41 and inputs the personal identification number, the card / passbook combination transaction unit 13 collates the input personal identification number with the personal identification number recorded in the card. , If they match, a guidance display for entering the amount is displayed. (S3) With this, the customer inputs the amount of money.

During this period, the transaction section 13 for card / passbook combination also uses the passbook 41.
Lead the MS and check the contents. (S4) If the transaction is acceptable with the passbook check OK, the card / passbook combined transaction section 13 executes the card / passbook combined transaction described in the conventional example. That is, when the passbook payment transaction request message is transmitted to the host and the passbook payment transaction permission message is received, cash is counted by the cash handling device 22 and the passbook printing MS reader / writer 19 records the passbook 41. After the card
40, the passbook 41 is returned, cash is discharged, and the transaction ends. (S5) If a passbook check error occurs, the switching unit 16
As shown in the example in FIG. 4, after the passbook 41 is released, (S6) the transition display to the card transaction is displayed, and when the passbook 41 is removed, the control is transferred to the card transaction section 14-2. .

The activated card transaction unit 14-2 checks whether or not the amount of money is input, and if not, displays a guide for inputting the amount of money and waits for the amount of money to be input. In this way, when a passbook check error occurs, the card transaction is performed. After entering the amount, the same card transaction as shown in the conventional example is performed. That is, (S9) After transmitting the card transaction request message to the host and receiving the card payment permission message, the message transmitted to the host is edited as a card only payment transaction. After that, it receives the authorization message for the card payment transaction, prints it on the transaction statement, counts cash, and returns / discharges the card and statement to the customer.

At this time, the transaction counter indicating the number of transactions (not shown) in the apparatus and the statement printing are the same as those for card payment. Although payment transactions are shown in the above embodiments, the same can be applied to the case where a card passbook combined transaction such as a transfer transaction is performed. In this case, instead of inputting the payment transaction amount, you enter the recipient's bank number, account number, transfer amount, etc., but if a passbook check error occurs during this period, the process is temporarily interrupted, the passbook is released, and then the card transaction is released. After displaying the transfer, transfer to the card transaction. At this time, the interrupted process, for example, the input data is displayed and the input is continued.

In the case of transfer, there are cases where it is a transfer-only machine, and there is also one in which a transfer function is attached to the ATM, and both can be adopted. As described above, when a passbook check error occurs, the card / passbook combined transaction can be transferred to the card transaction. At this time, only the bookkeeping is disabled, and there is no hindrance to the transaction “payment” or “transfer”, which is the purpose of the transaction. Therefore, the operability is improved, the efficiency of the device is reduced, and the reliability is improved. It can prevent the deterioration.

[0028]

As described above, according to the present invention, in the automatic transaction device for conducting transaction for combined use of card passbook such as payment and transfer, when a passbook check error occurs, the transaction automatically shifts to card transaction. It has the effect of improving creditability and preventing credit decline.

[Brief description of drawings]

FIG. 1 is a principle diagram of the present invention.

FIG. 2 is a configuration diagram of an embodiment.

FIG. 3 is a flowchart of a payment transaction process according to an embodiment.

FIG. 4 is a diagram showing a display example of guidance for transition to a card transaction.

[Figure 5] ATM external view

FIG. 6 is a flowchart of a payment transaction process of a conventional example.

[Explanation of symbols]

1 Automatic deposit payment machine ATM 2 Passbook entry slot 3 Cash entry / exit slot 4 Card entry / statement exit slot 5 Display section 10 Interface section 11 Control section 12 Main control section 13 Card passbook combined transaction section 14-1 Card transaction section 14 -2 Card transaction unit 16 Switching unit 17 Customer operation panel 18 Display unit 19 Passbook printing MS reader / writer 20 Journal transaction statement printing unit 21 Card reader / writer 22 Cash handling device 30 Card transaction unit 31 Card passbook combined transaction unit 32 Switching unit

Claims (1)

[Claims] 1. A card transaction section (30) for executing a predetermined transaction by inserting a card (40), and executing the predetermined transaction by inserting a card (40) and a passbook (41), and to the passbook. In the automatic transaction device including the card / passbook combined transaction section (31) for performing the bookkeeping, the predetermined transaction by the card and the passbook is selected, and an error occurs as a result of the passbook check in the card / passbook combined transaction section (31). An automatic transaction device comprising a switching unit (32) which, when detected, returns the passbook and shifts to a card transaction by the card transaction unit (30).