JPH07160792A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To reduce the whole processing time by judging the conclusion of transaction without waiting the series of communication including information to a center computer and starting the counting of cash, the printing of a receipt, etc., to execute payment processing. CONSTITUTION:At the time of reading information of a card, etc., by a transacting medium reading part 8, the machine communicates with the center computer 15 and receives transaction information. In this transaction information, a password number and a payable account are included and a receiving/ paying transaction control part 16 checks the password. Furthermore, a display part 7 displays the payable account as necessity and a customer inputs a paying account from an operation part 6 while looking at the display part 7. Then, the receiving/paying transaction control part 16 compares the paying account and the payable account, executes remainder calculation, etc., at the time of concluding transaction and outputs a printing start instruction and cash counting instruction to a printing part 12 and a cash receiving/paying device 13 at the same time.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine for automating deposit and withdrawal transactions of deposits and savings used in financial institutions such as banks.

[0002]

2. Description of the Related Art In financial institutions and the like, an automated teller machine is used for automating deposits and withdrawals of deposits and savings. FIG. 2 shows a perspective view of a conventional general automated teller machine. This automated teller machine 1 has a passbook insertion slot 2
The card insertion slot 3, the coin deposit / withdrawal slot 4, the banknote deposit / withdrawal slot 5, the operation unit 6 and the display unit 7. Customers,
A passbook is inserted through the passbook insertion slot 2 and a card is inserted through the card insertion slot 3, and while the operation guide displayed on the display unit 7 is being read, necessary transaction contents are designated by the operation unit 6. The display unit 7 is composed of a cathode ray tube display or the like, and the operation unit 6 is composed of a touch-type switch attached to the surface of the display.

Generally, when an important transaction such as a withdrawal transaction is designated, a process for confirming the identity is executed. That is, the customer uses the operation unit 6 to input a personal identification number. After that, for example, the withdrawal amount is input, the device notifies the personal identification number and the withdrawal amount via the communication line with the center computer, and receives the check. When the transaction is established, the requested banknote is ejected from the banknote pay-in / pay-out port 5.

FIG. 3 shows an internal block diagram of such an automatic teller machine. This device is controlled by the main controller 11 as shown in the figure. This main control unit 11 has
A display unit 7, an operation unit 6, a transaction medium reading unit 8,
The printing unit 12, the cash depositing / dispensing machine 13, and the communication control unit 14 are connected. The main control unit 11 is connected to the center computer 15 by a communication control unit 14 via a communication line.

The transaction medium reading unit 8 reads the magnetic stripe of the cash card and recognizes the personal identification number, and the main control unit 11 notifies the center computer 15 of the personal identification number. The printing unit 12 is a unit for printing a statement of transaction generally called a receipt. Cash withdrawal machine 1
3 stores the cash in an internal box after performing the authenticity of the cash inserted from the coin deposit / withdrawal port 4 and the bill deposit / withdrawal port 5 shown in FIG. In addition, cash deposit / withdrawal machine 1
3 is usually equipped with a unique appraisal and transport mechanism for bills and coins.

FIGS. 4 and 5 are explanatory views of a conventional dispensing operation. FIG. 4 shows a time chart when the transaction is completed according to the customer's request, and FIG. 5 shows a time chart when the transaction is not completed. In these figures, the horizontal axis represents time, the first is the operation of the display unit and the operation unit, the second is the operation of the communication control unit, the third is the operation of the printing unit, and the fourth is the operation of the banknote depositing / dispensing machine. It represents an action.

First, when the card is inserted at the timing t1, the magnetic stripe attached to the card is read at the timing t2. At the same time, the input of the personal identification number is started at the timing t2, and then the withdrawal amount is input at the timing t3.

After that, the communication between the automatic transaction device and the center computer is started at timing t4, and the automatic transaction device sends data such as a store number, an account number, a personal identification number, and a withdrawal amount to the center computer. The center computer has data such as the customer's store number, account number, personal identification number, and balance. It checks whether the PIN code is correct, whether the new balance does not become negative even if the specified withdrawal amount is subtracted from the current deposit balance, or the loan limit is not exceeded. If the transaction is successful as a result of this check, printing of the receipt starts at timing t5.
Since it takes a relatively long time to count cash, at timing t4, counting of the amount of money to be dispensed, which has already been requested, is started. When the transaction is completed, the card and the receipt are ejected at the timing t6, and at the same time cash is also ejected.

On the other hand, when the input amount exceeds the withdrawable amount as seen from the deposit balance, etc., the timing t in FIG.
At 5, the receipt printing to the effect that the transaction is unsuccessful is started. The operation is exactly the same as that in FIG. 4 until timing t4 in this figure. Then, the timing t6
Since the withdrawal count has already been completed and the transaction has not been completed, the process of returning the counted cash to the storage box is started after timing t6. On the other hand, timing t
In FIG. 7, a receipt on which the transaction is unsuccessfully printed is ejected together with the card. After that, at timing t8, the customer inserts the card again and restarts the operation such as inputting the personal identification number at timing t9, and thereafter repeats the same processing as at timing t2 and thereafter, inputs the correct withdrawal amount, and performs the transaction. Will be established.

[0010]

The conventional automatic teller machine as described above has the following problems to be solved. As described above, when the customer inputs the withdrawal amount at the time of the withdrawal transaction, but this exceeds the withdrawable amount, the receipt of transaction failure is printed and the bill once counted , The transaction is terminated, and the transaction is started from the beginning. Therefore, even if the customer inadvertently inputs the withdrawal amount, he / she will monopolize the device for a long time until he / she inputs the withdrawal amount again and the transaction ends normally. There was a problem.

In order to solve this, for example, JP-A-60
According to Japanese Patent Laid-Open No. 31690/1993, when it is determined that the transaction is not established at the timing t5 shown in FIG. 5, the withdrawal counting process is interrupted and the time for returning the cash to the storage box is shortened. In addition, JP-A-61-26
In Japanese Patent Publication No. 198, the operability is improved by a procedure in which a balance inquiry transaction is performed, and then the payment transaction is directly performed to shorten the device occupation time.

Furthermore, in Japanese Patent Laid-Open No. 2-39371,
When it is determined that the transaction has not been completed, the transaction is not ended and the correction amount is input again to shorten the entire transaction. In this case, the total processing time can be shortened by displaying the transactable amount when entering the correction amount and returning the cash equivalent to the difference between the already counted cash and the correction amount to the box. ing. However, it is necessary to clearly display the amount of money that can be withdrawn to the customer from the time of entering the first withdrawal amount, take measures such as eliminating errors, and promptly notify the customer of the appropriateness of the input amount of money. It can be said that it is more effective in shortening the time.

The present invention has been made by paying attention to the above points, and notifies the customer of the withdrawable amount of money early, and promptly notifies the customer's input of the success or failure of the transaction, and the device It is an object of the present invention to provide an automated teller machine which shortens the exclusive time.

[0014]

The automatic teller machine of the present invention is a transaction medium reading section for reading information written in the transaction medium when the transaction medium is inserted, and a cash upon request. A cash depositing / dispensing machine for counting and depositing cash, an operation unit for inputting a required withdrawal amount, a display unit for displaying information for transaction operation, and a printing unit for printing transaction results. And a deposit / withdrawal transaction control unit for controlling the withdrawal transaction. The deposit / withdrawal transaction control unit receives transaction information including the withdrawable amount from the center computer prior to input of the required withdrawal amount. When a withdrawal transaction within the range of the withdrawable amount is requested, the transaction is notified to the center computer and the cash depositing / withdrawing machine is notified without waiting for the end. Start counting cash It is characterized in that to start the printing of transaction result to simultaneously the receipt printing unit.

It is preferable that the available withdrawal amount is displayed on the display unit before the withdrawal transaction, and when it is determined that the withdrawal transaction exceeding the range of the available withdrawal amount is requested, the customer can re-enter the amount. Is preferred to be encouraged.

[0016]

When the transaction medium such as a cash card is inserted, the device of the present invention reads the personal identification number of the transaction medium to verify the person's identity. At the same time, the transaction information including the withdrawable amount of money is sent from the center computer. To receive. Therefore, when the customer inputs the withdrawal amount, the cash automatic transaction device determines whether or not the transaction is successful by comparing with the previously accepted withdrawable amount. At this time, if the amount of money that can be dispensed is displayed in advance and the amount of money is requested to be input, an incorrect amount of money can be prevented from being input. Also, if there is a transaction request that exceeds the range of the withdrawable amount, it is possible to prompt the re-input of the withdrawal required amount and proceed with the transaction promptly.

[0017]

The present invention will be described in detail below with reference to the embodiments shown in the drawings. FIG. 1 is an internal block diagram showing an embodiment of the automatic teller machine of the present invention. This device includes an operation unit 6, a display unit 7, a transaction medium reading unit 8, a printing unit 12,
The cash deposit / withdrawal machine 13, the communication control unit 14, and the deposit / withdrawal transaction control unit 16 are provided. The communication control unit 14 is connected to the center computer 15 via a communication line.

In this figure, the parts other than the deposit / withdrawal transaction control unit 16 have the same structure as the conventional device already described with reference to FIG. 3, and the transaction medium reading unit 8 is a card, a passbook, or the like. When the transaction medium is inserted, it is composed of a magnetic stripe reader or the like that reads the information written in the transaction medium. The cash depositing / dispensing machine 13 is a part that counts cash according to a request and performs cash depositing / dispensing processing. The operation unit 6 is composed of keys and a touch panel for inputting a withdrawal demand amount in the present invention. Display 7
Is a display for displaying information for trading operations. The printing unit 12 is a unit for printing the transaction result on a receipt or the like.

The deposit / withdrawal transaction control unit 16 is provided to control the deposit / withdrawal operation of each unit of the apparatus, and is specifically composed of a program or the like allocated to a certain storage area. Although this device can perform various operations other than the withdrawal process, since the present invention relates to the control of the withdrawal operation, other configurations and operation description will be omitted.

The apparatus operates generally as follows. First, as shown in the figure, when the transaction medium reading section 8 reads the information on the card or the like, it communicates with the center computer 15 and accepts the transaction information as shown in the figure. This transaction information includes a personal identification number and a possible withdrawal amount, and the personal identification number is checked by the deposit / withdrawal transaction control unit 16. The payable amount is displayed on the display unit 7 as shown by, and the customer inputs the payout amount from the operation unit 6 as shown while looking at the display unit 7.

The deposit / withdrawal transaction control unit 16 compares this withdrawal amount with the withdrawable amount, and when the transaction is completed, the deposit / withdrawal transaction control unit 16 executes balance calculation and the like, and the printing unit 12 and cash A print start instruction and a cash counting instruction are simultaneously output to the depositing / dispensing machine 13 as shown in. In this way, the customer, unlike the conventional method, knows the amount of money that can be withdrawn from the beginning of the transaction,
You can enter the exact amount. Even if the dispensable amount is not displayed on the display unit 7, when the customer inputs the disbursed amount, the deposit / withdrawal transaction control unit 16 immediately compares it with the disbursable amount and judges whether the transaction is possible or not. To notify. Therefore, the process for prompting re-inputting or withdrawing money is advanced.

The specific operation of the device of the present invention will be described below in order using time charts. Figure 6
The balance is displayed before the first input of the amount of money, the balance is checked with respect to the input of the amount of money, and an operation example when the transaction is successful is shown. Also in this time chart, similarly to FIGS. 4 and 5, the first from the top shows the operation of the display unit and the operation unit, the second is the communication control unit, the third is the printing unit, and the fourth is the cash depositing / dispensing machine. It shows the operation.

In FIG. 6, first, at a timing t1, a card is inserted, and the transaction medium reading section 8 shown in FIG. 1 reads a store number, an account number, etc. from the magnetic stripe of the card. This is executed from the timing t2, and the input of the personal identification number by the customer has already started at this timing t2. Further, when the reading of the magnetic stripe is completed at timing t3, communication with the center computer is immediately started, and the center computer transmits transaction information including a secret code number corresponding to the store number and account number and the withdrawable amount to the automatic transaction device. To do. Here, the automatic transaction device collates the personal identification number input by the customer with the personal identification number sent from the center, and requests the customer to input the amount of money at timing t4. At this time, the deposit balance already sent from the center computer is also displayed.

If the personal identification numbers do not match, the device requests the customer to input the personal identification number again. Further, when the customer inputs the amount of money, the apparatus compares the possible withdrawal amount already received from the center computer with the required withdrawal amount inputted by the customer, and judges whether or not the transaction is possible. Normal,
The deposit balance and the transaction amount are the same. However, for example, in an account in which a certain amount of money can be automatically lent to a customer, the sum of the deposit balance and the lentable amount becomes the withdrawable amount. These determinations may be made on the automatic transaction device side, or the center computer side may already calculate and notify the amount.

When the transaction is successful, communication regarding notification of successful transaction to the center computer is started at timing t5, and at the same time, printing of a receipt indicating that the transaction is successful and counting of cash for withdrawal are started. Since the device of the present invention determines that the transaction is completed before the center communication, the center communication, the receipt printing, and the withdrawal counting are simultaneously started in this way, and the processing time is shortened. When all of these processes are completed, the card and receipt are discharged and handed to the customer at timing t6, and the cash depositing / dispensing machine 1 shown in FIG.
3 opens its shutter so that cash can be taken out from the coin deposit / withdrawal port 4 and the bill deposit / withdrawal port 5 shown in FIG.

FIG. 7 shows an operation example in the case where the transaction is unsuccessful in the first balance check in the withdrawal operation.
In the figure, the processing up to timings t1, t2, t3, and t4 is exactly the same as the operation already described in FIG. Here, at timing t5, when it is determined that the once input amount exceeds the withdrawable amount, the deposit balance is displayed again, and the customer is prompted to input the withdrawal amount. If the transaction is successful as a result of the re-input, communication to the center computer, printing of the receipt, and withdrawal counting are started after timing t6 in exactly the same manner as described with reference to FIG. The subsequent processing is the same as that described with reference to FIG.

FIG. 8 shows an explanatory diagram of a balance display example. As shown in this figure, for example, when the customer inputs the withdrawal amount, the device of the present invention displays a message to that effect and the current balance, and the operating unit on the right side displays the amount of the withdrawal amount. Prompt for input. In the present invention, the balance display as described above may be executed from the beginning, or the balance display may not be initially performed, and the balance display may be performed only when the total withdrawal amount exceeds the withdrawable amount. You may do it. In either case, since the notification of the possible withdrawal amount has been received from the center computer in advance before inputting the amount, the determination of the withdrawable amount can be performed quickly and easily.

Further, as shown in the embodiment of FIG. 7, even if the required withdrawal amount exceeds the withdrawable amount, the card is not returned at that stage, and a receipt indicating that the transaction has not been established. Do not print, etc. Therefore, the time taken to complete a transaction can be significantly shortened as compared to the conventional case.

The automated teller machine of the present invention can also operate as follows. FIG. 9 shows an example of withdrawal operation in the case where center communication is performed after inputting the amount of money, the card is not returned even if the transaction is not completed, and the process is started again from the input of the amount of money. First, the card is inserted at the timing t1, and the timing t
At 2 the magnetic stripe is read at the same time when the personal identification number is input, and the amount of money is input at timing t3. Timing t
In step 4, communication is performed with the center computer, the center computer side checks the personal identification number, and the balances are compared. At this timing t4, withdrawal counting has already started. Then, at timing t5, it is determined that the transaction is unsuccessful, and the receipt is printed. At time t6, the receipt is ejected but the card is not returned. Therefore, at timing t7, the insertion of the card and the input of the personal identification number are omitted, and the withdrawal transaction is restarted from the amount input processing. Then, at timing t8, communication with the center is performed, and timing t
When it is determined that the transaction is successful in 9, the receipt is printed, and at timing t10, the card and the receipt indicating that the transaction is successful are discharged and withdrawn. That is, in this embodiment, since the card insertion, the personal identification number input processing and the like are not performed before the second amount input, the processing time is shortened accordingly.

FIG. 10 shows an example in which the balance is displayed by inputting the amount of money for the second time and thereafter. In this example, from timing t1 to timing t7, exactly the same processing as FIG. 9 is performed. Here, at timing t7, the balance already sent from the center computer is stored in the deposit / withdrawal transaction control unit 16 and is displayed on the display unit, where the customer is requested to input the amount to be dispensed. Therefore, the customer can input the withdrawal request amount without error while confirming the balance. After that, the timing t8 and thereafter are similar to those of the embodiment of FIG.

FIG. 11 shows an embodiment in which the balance can be checked by entering the amount of money a second time. Also in the example of this figure, from timing t1 to timing t7, FIGS.
The same process is performed. Here, timing t7
When the amount of money is input at, and this exceeds the amount of money that can be withdrawn, the user is requested to input the amount of money required for withdrawal again at timing t8. That is, at this stage, the automatic teller machine compares the deposit balance already received from the center computer with the withdrawal request amount by the deposit / withdrawal transaction control unit 16, and if the withdrawal request amount does not exceed the withdrawable amount. The process proceeds so that the transaction is completed. That is, at the timing t8, such a judgment prompts the user to re-input the withdrawal request amount without communication with the center. After timing t9, FIG. 9 and FIG.
The processing is the same as that described in 0. The balance may be displayed when the amount of money is input for the second time and thereafter.

FIG. 12 shows an internal block diagram of the bill depositing / dispensing machine. As shown in this figure, the banknote depositing / dispensing machine is equipped with a banknote depositing / dispensing machine control unit 21, a storage box 22, a counter 24, and a banknote depositing / dispensing port 26. The counter 24 and the banknote deposit / withdrawal port 26 are connected by the transport path 25. In such a bill depositing / dispensing machine, bills are taken out from the storage box 22, counted, and stacked in the bill deposit / withdrawal port 26. During this withdrawal operation, it takes a very long time to count and stack the bills.

FIG. 13 is a perspective view of the bill deposit / withdrawal port. As described above, the banknote deposit / withdrawal port 26 is provided with the shutter 27. Even if the counted banknotes are stacked inside the banknote deposit / withdrawal port 26, as long as the shutter 27 is not opened,
The customer cannot retrieve the bill. The coin depositing / dispensing machine has a similar mechanism. The present invention utilizes such a property, and the counter 24 stacks the banknotes in the banknote deposit / withdrawal port 26 before the transaction is completed, and when the transaction is established, the shutter 27 is opened as it is, but when it is not established, The surplus is returned to the storage box 22 and the appropriate bill is submitted to the customer. That is, since all the banknotes are not returned to the storage box 22 at the same time when the transaction is unsuccessful and the counting is not performed again, the processing is shortened accordingly.

FIG. 14 shows an operation example in which such a counting cash return operation is applied to the apparatus of the present invention. First, the timings t1 to t4 in the figure are the same as those described above. Here, the timing t
At 4, the communication with the center is performed, and the personal identification number and the balance are checked at the timing t.
Start counting the withdrawal already in 4. Then, for example, when there is a withdrawal request in excess of the balance, the transaction failure receipt is printed at timing t5, and the receipt is discharged at timing t6. After that, at timing t7, as described above, the card input operation is not performed and the amount input request is made again. Then, when communicating with the center at timing t8 to check the balance and the like, the difference between the re-input amount and the amount already withdrawn is calculated,
The process of returning the surplus to the storage box is executed in parallel.
Thereby, the dispensed banknotes can be stacked in the banknote deposit / withdrawal port in a very short time. Thereafter, at timing t9, a receipt indicating that the transaction is completed is printed, and at timing t10, the card receipt is discharged and the withdrawal is performed. Of course, this processing may be combined with the processing described in FIGS. 6 and 7.

[0035]

In the automatic teller machine of the present invention described above, the transaction information including the possible withdrawal amount from the center computer by the withdrawal transaction control unit before the withdrawal request amount is input by the transaction medium being inserted. When a withdrawal transaction within the range of the withdrawable amount is requested, the transaction completion is judged without waiting for a series of communication including notification to the center computer, cash count and receipt are received. Since the withdrawal process is executed by starting the printing of, the processing time as a whole is shortened. Further, even if an incorrect requested amount is input, it is possible to promptly establish the transaction by immediately judging the suitability and prompting the re-input. In addition, by displaying the amount of money that can be dispensed together, if necessary, the operation of the customer can be facilitated, and the exclusive time of the device as a whole can be shortened sufficiently.

[Brief description of drawings]

FIG. 1 is an internal block diagram of an automated teller machine of the present invention.

FIG. 2 is an external perspective view of a general automated teller machine.

FIG. 3 is an internal block diagram of a conventional automated teller machine.

FIG. 4 is a diagram illustrating a conventional dispensing operation when a transaction is established.

FIG. 5 is a diagram for explaining a conventional dispensing operation when a transaction is unsuccessful.

FIG. 6 is an explanatory diagram of an example of a dispensing operation for performing a balance check at the first amount input according to the present invention.

FIG. 7 is an explanatory diagram of an example of a withdrawal operation when a transaction is unsuccessful in the first balance check.

FIG. 8 is an explanatory diagram of a balance display example.

FIG. 9 is an explanatory diagram of an example of a dispensing operation in the case of starting over from the amount input without returning the card.

FIG. 10 is an explanatory diagram of an example of a dispensing operation when the balance is displayed by inputting the amount of money for the second time and thereafter.

FIG. 11 is an explanatory diagram of an example of a withdrawal operation when a transaction is established by inputting a third amount of money.

FIG. 12 is an internal block diagram of the bill depositing / dispensing machine.

FIG. 13 is a perspective view of a bill deposit / withdrawal port.

FIG. 14 is an explanatory diagram of an example of a dispensing operation when performing cash surplus counting processing.

[Explanation of symbols]

 6 Operation part 7 Display part 8 Transaction medium reading part 12 Printing part 13 Cash deposit / withdrawal machine 14 Communication control part 15 Center computer 16 Deposit / withdrawal transaction control part

Claims (3)

[Claims] 1. A transaction medium reading unit for reading information written in the transaction medium when the transaction medium is inserted, and cash deposit / withdrawal processing for counting cash in response to a request and performing cash deposit / withdrawal processing. Money machine, operation part for inputting required withdrawal amount, display part for displaying information for transaction operation, printing part for printing transaction result, deposit / withdrawal transaction control for controlling withdrawal transaction The deposit / withdrawal transaction control unit receives transaction information including a withdrawable amount from the center computer and stores the transaction information before inputting the withdrawal request amount, and the deposit / withdrawal transaction amount within the range of the withdrawable amount. When a gold transaction is requested, the center computer is notified of the establishment of the transaction, and the cash depositing / dispensing machine is caused to start counting the corresponding cash without waiting for the completion of the transaction, and at the same time, the receipt printing unit. Trade against Automatic teller machine, characterized in that to start the printing of results. 2. The automatic cash transaction according to claim 1, wherein the deposit / withdrawal transaction control unit displays the possible withdrawal amount received prior to the start of the withdrawal transaction on the display unit before the withdrawal transaction. apparatus. 3. When the deposit / withdrawal transaction control unit determines that the withdrawal transaction exceeding the range of the withdrawable amount is requested based on the withdrawable amount received prior to the start of the withdrawal transaction, 2. The automatic teller machine according to claim 1, wherein the operation unit prompts the user to input the required withdrawal amount.