JPH07200705A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To provide the high-operability and high-convenience automatic transaction system for continuously providing a money dispensation transaction changing the requested amount of money to be dispensed and a cashing transaction to a user when the requested amount of money to be dispensed is not within a diepsnation enable amount range. CONSTITUTION:A magnetic card inserted to a terminal equipment 1 is received, an operation to perform a dispensing transaction is started by the user, the requested amount of money to be dispensed is transmitted to a host 2, the deposit account of the user is retrieved from a deposit principal book file 7, it is checked whether the requested amount of money to be dispensed is within the range of the deposit remainder or not, when the remainder is lacked, the dispensation enable amount is calculated by the host 2 or the terminal equipment 1 based on the deposit remainder of the user and the operating state information of the terminal equipment 1, and the dispensing transaction to fully dispense the dispensation enable amount, the dispensing transaction changing the dispensing amount within the dispensation enable amount range and the cancel of the dispensing transaction are provided to the user.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a card (magnetic card, etc.)
The present invention relates to an automatic transaction system for automatically performing cash withdrawal transactions by inserting a transaction medium such as a passbook and performing an operation.

[0002]

2. Description of the Related Art In recent years, by accepting a card or passbook offered by a user and communicating online with a host computer (host device), cash corresponding to a withdrawal demand amount from the user is automatically dispensed. Automatic transaction devices such as automatic withdrawal machines have rapidly developed as automated devices for bank tellers, and have been introduced to each bank to provide prompt services to users.

In the automatic transaction system composed of such a host computer and automatic transaction device, when a user conducts a withdrawal transaction, first, the automatic transaction device accepts a card or passbook, etc. provided by the user, The operation of trading gold is started. When the withdrawal request amount is input by the user, the withdrawal request amount is notified to the host computer via the online line, and the deposit ledger file in which the information of the deposit account of this user is recorded is searched. , It is checked whether the withdrawal request amount is within the withdrawal possible amount range of the account. If the requested withdrawal amount is within the withdrawable amount range of the account, the fact is notified to the automatic transaction device, and in the automatic transaction device,
Perform withdrawal processing such as cash counting. If the withdrawal amount is not within the range, the host computer notifies the automatic transaction device that the withdrawal is rejected, and the automatic transaction device displays the reason for refusal such as insufficient balance on the display screen and prints it on the receipt. ,
The card or passbook was returned to the user.

[0004]

As described above, the user makes a withdrawal transaction and the required withdrawal amount is not within the withdrawable amount range (hereinafter, it may be simply short of balance. ) In that case, after the withdrawal transaction processing is completed and the card is returned, the user restarts the operation from the beginning,
They checked the balance, checked the available withdrawal balance, and made withdrawal transactions within that range.

In addition, recently, with a single card, a function for a deposit account that enables transactions such as withdrawal and deposit to the user's deposit account, and credit card provision from a bank etc. A card with a loan having a function for a loan account that enables a transaction for making money (hereinafter, simply referred to as a cashing transaction) is used. If you are using this card with a loan to make a withdrawal transaction and your balance is insufficient, even if the user absolutely needs a certain amount of money, after the withdrawal transaction processing is completed and the card is returned, It was necessary for the user to start the operation from the beginning again and make a cashing transaction.

As described above, there is a problem in that it is impossible to continue withdrawal and cashing transactions due to lack of balance, resulting in poor operability and convenience.

Therefore, according to the present invention, when a user makes a withdrawal transaction and the requested withdrawal amount is not within the allowable withdrawal amount range, the withdrawal transaction and the cashing transaction in which the required withdrawal amount is changed are used. It is an object of the present invention to provide an automatic transaction system that can be continuously provided to users with good operability and convenience.

[0008]

An automatic transaction system of the present invention is a host device having a ledger file which is updated every time a transaction is made and at least the deposit balance of a user is recorded, and the host device and a communication line. Connected through
By online communication with the host device based on the information necessary for the transaction input by the operation of the user,
An automatic transaction device for automatically performing withdrawal transactions, withdrawal amount notifying means for notifying the host device of withdrawal request amount requested by the user, and withdrawal amount notified by the withdrawal amount notifying means Transaction permission / inhibition determination means for determining whether or not the withdrawal transaction is possible by comparing the requested amount with the deposit balance in the ledger file, and the determination result when the withdrawal transaction determination is impossible by this transaction availability determination means And a transaction prohibition notifying means for notifying the automatic transaction device of the deposit balance in the ledger file, and the amount of withdrawable amount based on the deposit balance notified by the transaction prohibition notifying means and the operation state of the automatic transaction device. And a control means for performing a withdrawal transaction within the range of the withdrawable amount calculated by this calculating means.

Further, the automatic transaction system of the present invention is connected to a host device having a ledger file which is updated every time a transaction is made and which records at least the deposit balance of the user, and the host device via a communication line. And an automatic transaction device for automatically performing a withdrawal transaction by online communication with the host device based on the information necessary for the transaction input by the operation of the user, and an operating state of the automatic transaction device. An operation status notifying means for notifying the host device, a withdrawal amount notifying means for notifying the host device of the withdrawal request amount requested by the user, and a withdrawal request amount notified by the withdrawal amount notifying means And a deposit balance in the ledger file by comparing the deposit balance with the deposit balance in the ledger file. Is calculated, the calculating means for calculating the possible withdrawal amount based on the balance of deposits in the ledger file and the operation status of the automatic transaction apparatus notified by the operation status notifying means, and the withdrawal transaction by the response judging means. When it is determined that the transaction is impossible, the transaction prohibition notifying means for notifying the determination result and the withdrawal possible amount calculated by the calculation means to the automatic transaction device, and the withdrawal possible notified by this transaction prohibition notifying means It has a control means for performing withdrawal transactions within the range of the amount.

Further, the automatic transaction system of the present invention is connected to a host device having a ledger file which is updated each time a transaction is made and at least the user's deposit balance is recorded, and the host device via a communication line. And an online transaction with the host device based on the information necessary for the transaction input by the user's operation, the automatic transaction device automatically performing the withdrawal transaction, and the operating state of the transaction device to the host device. An operation status notifying means for notifying the host device of the withdrawal amount requested by the user, and an withdrawal request amount notified by the withdrawal amount notifying means for notifying the host device of the withdrawal request amount requested by the user. Transaction acceptance / rejection determining means for determining whether or not a withdrawal transaction is possible by comparing the deposit balance in the ledger file with the withdrawal request amount notified by the withdrawal amount notifying means. Judgment means for judging whether or not the full amount of the withdrawal demand amount can be withdrawn by comparing with the deposit balance in the ledger file, and when it is judged with this decision means that the full withdrawal amount is impossible, Calculating means for calculating the withdrawable amount based on the deposit balance in the file and the operating state of the transaction device notified by the operating state notifying means, and the automatic withdrawable amount calculated by this calculating means It is provided with a withdrawable amount notification means for notifying the device, and a control means for performing a withdrawal transaction with the withdrawable amount notified by the withdrawable amount notification means.

Further, the automatic transaction system of the present invention is updated every time a transaction is performed, and at least the first ledger file in which at least the deposit balance of the user is recorded and the cashing transaction balance of the user are recorded. The second
Host device having the respective ledger files of the above, and the host connected to the host device through a communication line, accepting the transaction medium offered by the user, and based on the information necessary for the transaction input by the operation of the user. An automatic transaction device for automatically performing a withdrawal transaction or a cashing transaction by online communication with the device, and a cashing transaction determination means for determining whether or not the user can perform the cashing transaction based on the recorded contents of the transaction medium. A withdrawal amount notification means for notifying the host device of the withdrawal request amount requested by the user, the withdrawal request amount notified by the withdrawal amount notification means, and the withdrawal request amount in the first ledger file. By comparing the deposit balance, it is possible to determine whether or not the withdrawal transaction is possible, and with this transaction availability determination means, it is determined that the withdrawal transaction is impossible. When the transaction is performed, the transaction prohibition notifying means for notifying the automatic transaction device of the determination result, and the disallowance transaction notifying means for notifying the withdrawal transaction, and the cashing transaction determination means being capable of performing the cashing transaction And control means for conducting a cashing transaction when judged.

Furthermore, the automatic transaction system of the present invention is updated every time a transaction is made, and at least the first ledger file in which at least the deposit balance of the user is recorded, and at least the cashing transaction balance of the user is recorded. A host device having a second ledger file, which is connected to the host device via a communication line, and communicates online with the host device based on information necessary for a transaction input by a user's operation. , An automatic transaction device for automatically performing withdrawal transactions or cashing transactions,
Withdrawal amount notification means for notifying the host device of the withdrawal request amount requested by the user, withdrawal request amount notified by the withdrawal amount notification means, and deposit balance in the first ledger file By comparing with the transaction permission / inhibition determination means for determining whether or not the withdrawal transaction is possible, and when the transaction acceptance / rejection determination means determines that withdrawal transaction is not possible, the user can confirm from the recorded contents of the second ledger file A cashing transaction determination means for determining whether or not a cashing transaction can be performed, and a determination made when the cashing transaction determination means determines that the cashing transaction can be performed and the transaction permission / inhibition determination means prohibits the withdrawal transaction. A transaction prohibition notifying means for notifying the automatic transaction device of the result and the cashing transaction balance in the second ledger file, and a key for notifying the transaction prohibition notifying means. And a control means for performing caching transactions within the phishing outstanding transactions.

[0013]

[Function] When the withdrawal transaction is judged to be impossible by comparing the requested withdrawal amount with the user's deposit balance, the withdrawable amount is calculated from the deposit balance and the operating state of the automatic transaction device. The operability and convenience can be improved by continuously providing withdrawal transactions within or within the withdrawable amount range.

Further, when it is determined that the withdrawal transaction is impossible by comparing the requested withdrawal amount with the deposit balance of the user, the recorded contents of the card inserted in the automatic transaction device or the recorded contents of the ledger file. From the above, it is determined whether or not the user can perform the cashing transaction, and when it is determined that the cashing transaction can be performed, the operability and convenience can be improved by continuously providing the user with the cashing transaction.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 schematically shows the structure of an automatic transaction system according to this embodiment.

In FIG. 1, this automatic transaction system is
It is roughly divided into a plurality of automatic cash deposit / withdrawal apparatuses 1 and a host computer 2 as a host apparatus, which are connected via a communication line 3.

The automatic cash deposit / withdrawal device (hereinafter simply referred to as a terminal device) 1 accepts a transaction medium such as a magnetic card (hereinafter sometimes simply referred to as a card) presented by a user or a passbook. , Deposit transactions, withdrawal transactions, or cashing transactions.

The host computer (hereinafter simply referred to as a host) 2 is roughly divided into a communication control unit 4, a terminal management control unit 5, a CPU 6, a deposit ledger file 7, and a loan ledger file 8. It

The communication control unit 4 controls the data transmission with each terminal device 1, and the terminal management control unit 5
Is for controlling creation and analysis of transaction telegrams and the like, and the operating state of the terminal device 1. The deposit ledger file 7 manages the deposit balance for each user's deposit account, and the loan ledger file 8 manages the loan account.
The deposit account and the loan account of the same user are linked, and the information thereof is also managed in the deposit ledger file 7 for each deposit account. The CPU 6 controls the entire host 2.

FIG. 2 shows the appearance of the terminal device 1. In FIG. 2, a substantially L-shaped operation unit 11 is formed on the front surface of the housing 10. The vertical operation section 11a of the operation section 11 includes a passbook insertion slot 12, a card insertion slot 13,
A deposit / withdrawal port 14 as a coin receiving part and a slip issuing port 15 are provided.

The horizontal operation unit 11b is provided with a depositing / dispensing port 16 as a bill receiving unit which serves as both a depositing port and a dispensing port. The depositing / dispensing port 16 is provided with an openable / closable door 17. Has been. In addition, the horizontal operation unit 11b is provided with a CRT display unit 18 having a built-in touch sensor, and the operation procedure and other information can be displayed by using illustration characters or rhetoric.
By displaying it, it guides customers, and by displaying it, PIN, amount, account number, transaction approval,
The operation is performed by pressing the display portion corresponding to confirmation or cancellation.

FIG. 3 schematically shows the internal structure of the terminal device 1 described above. The magnetic card reader unit 22, slip processing unit 23, passbook printing unit 24, deposit / withdrawal unit 25, coin deposit / withdrawal unit 26, It includes a customer service unit 27, an internal monitor 28, a RAM 30 as a storage unit, a transmission control unit 31, a floppy disk device 32, a main control unit 33, a power supply unit 35, and the like.

The magnetic card reader unit 22 receives the magnetic card inserted from the card insertion slot 13 and reads or writes data from or to the magnetic stripe of the magnetic card.

The slip processing unit 23 issues a slip to the slip issuing port 15 and creates a copy journal.

The passbook printing unit 24 receives the passbook inserted from the passbook insertion slot 12, reads and records magnetic information on the magnetic stripe, and prints the transaction content.

The pay-in / pay-out unit 25 discriminates and counts the bills collectively put into the pay-in / pay-out port 16 and stores them, and if necessary, predetermined bills stored in a safe (not shown). Deposit and withdraw only 16
It is to be paid in a lump sum from. It also has the functions of depositing and returning uncollected banknotes, recovering uncollected banknotes, loading and scrutiny.

The coin deposit / withdrawal unit 26 is provided with a deposit / withdrawal port 14
The coins that have been collectively thrown into the coin are discriminated, counted, and stored, and if necessary, a predetermined number of coins stored in a safe (not shown) in advance are taken out, and the coins are collectively collected from the deposit / withdrawal port 14. Pay out.

The customer service unit 27 is a CRT display device 18.
Etc. The voice guidance unit 28 provides guidance to guide the user's operation by voice.

The internal monitor 28 notifies the staff involved in the operation of the terminal device 1 about the state of this device and inputs the operation instruction by the staff.

The RAM 30 is used to store various data.

The transmission controller 31 is online connected to the host 2 through the communication line 3, and is adapted to communicate online with the host 2 as necessary.

The floppy disk device 32 stores a program of a processing procedure relating to the operation of the terminal device 1, records various kinds of information to be traded and records the transaction, records the operation status of the device, and sets the device uniquely. Stores special information that has been saved.

The main control unit 33 refers to the program information in the floppy disk device 32 and refers to each unit 23.
28, the internal monitor 29, the RAM 33, and the transmission control unit 31 are controlled to perform a predetermined transaction operation.

A remote monitor 34 can be connected to the main control unit 33 as necessary to monitor from a distance.
The remote monitor 34 is controlled by the main control unit 33, displays almost the same information as the internal monitor 29, and when an abnormality occurs in the terminal device 1, it also notifies by using a sounding means such as a buzzer.

FIG. 4 shows a specific example of a card with a loan used in the terminal device 1. These magnetic cards are inserted through the card insertion slot 13, and the magnetic card reader unit 22 reads or writes data from or on the magnetic stripe of the magnetic card.

A double-stripe card having two magnetic stripes for a deposit account and a loan account on one side of the card as shown in FIG. 4 (a), and for a card as shown in FIG. 4 (b). A double-stripe card with two magnetic stripes for deposit account on one side (for example, front side) and for loan account on the other side (for example, back side) of the card is inserted from the card insertion slot 13. ,
By providing the magnetic card reader unit 22 with means for reading the contents recorded in both magnetic stripes at the same time and a control circuit for analyzing the read data, it is possible to determine whether or not the card has a loan. The determination result is RA
It is stored in M30.

As shown in FIG. 4 (c), although it is a single-stripe card having a magnetic stripe on only one side of the card, cashing transactions can be performed in the data recorded on the magnetic stripe for deposit accounts. It is possible to determine whether or not the card has a loan by reading the content of this flag. The determination result is stored in the RAM 30.

FIG. 5 shows a specific example of the data format of a message sent from the host 2 to the terminal device 1 when online communication is performed between the terminal device 1 and the host 2.

In FIG. 5, the telegram type portion 51 is a portion to which a predetermined code indicating the type of the telegram is added. For example, "11" is added to a withdrawal refusal response message for notifying that the withdrawal is rejected, and "10" is added for a withdrawal permission response message for notifying that the withdrawal is permitted.

The balance section 52 is a section in which the balance balance for discriminating between the deposit balance and the withdrawable amount and the deposit balance or the withdrawable amount are added by a predetermined code. For example, if "1" is added as the balance category, the subsequent ones will be the deposit balance.

The cashing unit 53 is a part to which a cashing category and a cashing balance for discriminating whether or not there is a loan account for which a cashing transaction can be performed are added by a predetermined code. For example, if "1" is added as the cashing category, there is a loan account, and the cash balance remains after that.

Next, a processing procedure for online communication by electronic message between the terminal device 1 and the host 2 when the user makes a withdrawal transaction will be described with reference to FIGS. 6 to 12.

First, the first processing procedure will be described with reference to FIG.

When the user accepts the magnetic card inserted in the terminal device 1 and the user starts an operation for performing a withdrawal transaction and the withdrawal request amount is input, the withdrawal request amount is sent as a message (withdrawal). It is added to the money request 1 message) and transmitted to the host 2.

When the host 2 receives the withdrawal request 1 message, it retrieves the deposit account of the user from the deposit ledger file 7 and reads the deposit balance. Then, it is checked whether or not the withdrawal request amount is within the range of the deposit balance.

If the requested withdrawal amount is not within the range of the deposit balance, the host 2 rejects the withdrawal message (rejection response message).
Is created and transmitted to the terminal device 1. At this time, the deposit balance of the user is also added and transmitted.

The terminal device 1 which has received this rejection response message
Is the current operating status based on your deposit balance (whether you can withdraw in units of 10,000 yen or 1,000 yen, only with a unit of 10,000 yen due to a 1,000 yen bill ran out, or with a coin with a unit of 1 yen) It is also possible to display the available withdrawal amount calculated on the CRT display 18 and change the withdrawal request amount within the available withdrawal amount range by withdrawing the entire withdrawable amount. Allow the user to select either "change withdrawal amount" or "cancel withdrawal transaction".

When the user selects “total withdrawal”, the withdrawal request amount calculated by the terminal device 1 is added to a message (withdrawal request 2) and transmitted to the host 2. User "change withdrawal amount"
When is selected, re-input of the withdrawal request amount within the withdrawal possible amount range calculated by the terminal device 1 is permitted, and the withdrawal request amount is added to the withdrawal request 2 message and transmitted to the host 2. When the user selects "Cancel", the transaction is interrupted, the card is returned, and the receipt is ejected.

When the host 2 receives the withdrawal request 2 message, it temporarily updates the deposit ledger file 2 with the available withdrawal amount notified by the message and creates a message (authorization response message) permitting withdrawal. Then, it is transmitted to the terminal device 1.

When the terminal device 1 receives the permission response message, it counts cash and prints the receipt, returns the card to the user to discharge the cash, and ejects the receipt.

When the processing in the terminal device 1 is completed, an electronic message (completion report electronic message) notifying that effect is transmitted to the host 2, the host 2 updates the deposit ledger file 7, and the processing is completed.

Next, the second processing procedure will be described with reference to FIG.

Until the withdrawal request 1 message is transmitted from the terminal device 1, the procedure is the same as the first processing procedure.

When the host 2 receives the withdrawal request 1 message, it searches the deposit ledger file 7 for the deposit account of the user and reads the cash balance. Then, it is checked whether or not the withdrawal request amount is within the range of the deposit balance of the deposit account.
If the withdrawal request amount is not within the range of the deposit balance, the operation status information of the terminal device 1 notified from the terminal device 1 (10,000 yen.
Host 2 terminal management control unit based on whether it is possible to withdraw in 1,000 yen units, withdrawal only in 10,000 yen units due to running out of 1,000 yen bills, or withdrawal in 1 yen units with coins, etc.) In 5, the available withdrawal amount is calculated from the deposit balance stored in the deposit ledger file 7,
Send the rejection response message with the possible withdrawal amount.

For example, when the host 2 searches the user's deposit account from the deposit ledger file 7 for the withdrawal request amount of 100,000 yen, and the resulting balance is only 89,581 yen, the balance is insufficient. When the terminal device 1 notifies the operating state information that only the banknotes can be withdrawn and that the withdrawal is limited to the unit of 10,000 yen due to the 1,000-yen bills running out, the terminal management controller 5 The possible amount is calculated as 80,000 yen, and it is added to the rejection response message and sent.

The terminal device 1 that has received this rejection response message
Is 80,000 yen or 8 even though the balance is insufficient on the CRT display unit 18.
Display the fact that you can withdraw in 10,000 units within 10,000 yen, and let the user select "Full withdrawal" or "Change amount" or "Cancel" within the range of withdrawable amount.

When the user selects "total withdrawal", 80,000 yen as the withdrawal request amount is added to the withdrawal request 2 message and transmitted to the host 2. When the user selects "Change withdrawal amount", it allows re-input of the withdrawal request amount up to 80,000 in units of 10,000 yen, and adds the re-input withdrawal request amount to the withdrawal request 2 message. And sends it to the host 2. If the user selects "Cancel", the transaction is interrupted, the card is returned, and
The receipt is ejected.

When the processing in the terminal device 1 is completed, a message (completion report message) for notifying that is transmitted to the host 2, and the host 2 updates the deposit ledger file 7 of this user and all the processing is completed. finish.

Next, the third processing procedure will be described with reference to FIG.

The procedure is the same as the first processing procedure until the withdrawal request 1 message is transmitted from the terminal device 1.

When the host 2 receives the withdrawal request 1 message,
The deposit account file 7 is searched for the user's deposit account and the deposit balance is read. Then, it is checked whether or not the withdrawal request amount is within the range of the deposit balance.

If the balance is insufficient, the withdrawal possible amount is calculated in the same manner as in the second processing procedure, the deposit ledger file 7 is temporarily updated with the available withdrawal amount, and this withdrawable amount is calculated. It is added to the conditional permission telegram for notifying that the withdrawal of the withdrawable amount is permitted and transmitted to the terminal device 1.

When the terminal device 1 receives the conditional permission telegram, the CR based on the withdrawable amount notified by this telegram.
In the T display section 18, for example, "The balance is insufficient, but XX
Withdrawal is possible if it is × yen. If you don't mind, click "Confirm". Or press "Cancel". Is displayed. When the user selects "confirm", the cash amount and cash receipt are printed with the amount that can be withdrawn, the card is returned to the user to release the cash, the receipt is discharged, and the completion report is sent from the terminal device 1. The electronic message is transmitted to the host 2, the host 1 updates the deposit ledger file 7, and the processing is completed. When "Cancel" is selected, a message (cancellation report message) that informs the cancellation is transmitted to the host 2 and the temporary update cancel process is performed on the temporarily updated deposit ledger file 7.

Next, the fourth processing procedure will be described with reference to FIG.

The procedure is the same as the first processing procedure until the withdrawal request 1 message is transmitted from the terminal device 1.

When the host 2 receives the withdrawal request 1 message,
Search the deposit account of the user from the deposit ledger file 7,
Read the deposit balance. Then, it is checked whether or not the withdrawal request amount is within the range of the deposit balance of the deposit account. When the balance is insufficient, a rejection response message is transmitted to the terminal device 1.

When the terminal device 1 receives the refusal response message, it reads the determination result of whether or not the card is a loan card stored in the RAM 30, and when it is determined that the card is a loan card, the CRT is read. The display unit 18 displays, for example, "Withdrawal transaction from deposit account is impossible due to insufficient balance, but cashing transaction is possible." And "Cashing" or "Cancel" is selected for the user. Let If it is determined that the card is not a card with a loan, the CRT display unit 18 displays, for example, "insufficient balance", the card is returned, the receipt is discharged, and the process ends.

When the user selects "caching",
Necessary information such as the requested cashing amount is input, and a message requesting a cashing transaction (cashing request message) is added and transmitted to the host 2.

When the host 2 receives the cashing request message, the host 2 searches the loan ledger file 8 for the loan account of the user, and if the cashing request amount is within the cashing balance and cashing transaction is possible. The loan ledger file is temporarily updated, and a telegram (caching permission telegram) permitting the cashing transaction is transmitted to the terminal device 1. When the cashing balance is insufficient and the cashing transaction is impossible, a telegram permitting the cashing is transmitted, and the terminal device 1 returns the card, ejects the receipt, and transmits a cancellation report telegram to the host 2. Then, the processing is completed.

The terminal device 1 that has received the cashing permission message prints the receipt, returns the card, discharges the receipt, and discharges cash. Then, the completion report message is transmitted to the host 2, and the host 2 updates the deposit ledger file 7 of this user, and the processing is completed.

If the user selects "cancel", the card is returned, the receipt is ejected, a cancellation report message is sent to the host 2, and the processing is completed.

Next, the fifth processing procedure will be described with reference to FIG.

The procedure is the same as the first processing procedure until the withdrawal request 1 message is transmitted from the terminal device 1.

When the host 2 receives the withdrawal request 1 message,
Search the deposit account of the user from the deposit ledger file 7,
Read the deposit balance. Then, it is checked whether or not the withdrawal request amount is within the range of the deposit balance of the deposit account. If the balance is insufficient and it is found that there is a loan account linked to the savings account, the terminal management control unit 5 searches the loan ledger file 8 for the loan account of the user, and calculates the cashing balance (10,000 yen unit). Read and add to rejection response message and send.

The terminal device 1 that has received this rejection response message
Displays, for example, on the CRT display section 18 "Withdrawal transaction from deposit account was impossible due to insufficient balance, but cashing transaction is possible up to XXXXX million yen", and "cashing" Let the user choose between "cancel" and "cancel".

When the user selects "caching", necessary information such as the required amount of cashing within the cashing limit is input, added to the cashing request message and transmitted to the host 2.

When the host 2 receives the caching request message, the loan ledger file 8 is tentatively updated and the caching permission message is transmitted to the terminal device 1.

The process of the terminal device 1 which has received the caching permission message is the same as the above-mentioned fourth process procedure.

The processing when "cancel" is selected is also the same as the above-mentioned fourth processing procedure.

Next, the sixth processing procedure will be described with reference to FIG.

The procedure is the same as the first processing procedure until the withdrawal request 1 message is transmitted from the terminal device 1.

When the host 2 receives the withdrawal request 1 message,
The host 2 retrieves the deposit account of the user from the deposit ledger file 7 and reads the deposit balance. Then, it is checked whether or not the withdrawal request amount is within the range of the deposit balance of the deposit account. When the balance is insufficient, a deposit balance is added to the rejection response message and the message is transmitted to the terminal device 1.

The terminal device 1 that has received this rejection response message
Calculates the possible withdrawal amount as in the case of the first processing means described above. When it is determined that the card is a loan-equipped card, the CRT display unit 18 displays the withdrawable amount and allows the user to select one of "change of withdrawal amount", "cashing" and "cancel". . The process after selecting each "key" is similar to the above-described first process procedure, second process procedure, or fourth process procedure.

Next, the seventh processing procedure will be described with reference to FIG.

The procedure is the same as the first processing procedure until the withdrawal request 1 message is transmitted from the terminal device 1. Host 2
When the withdrawal request 1 telegram is received, the host 2 searches the deposit ledger file 7 of this user and reads the deposit balance. Then, it is checked whether or not the withdrawal request amount is within the range of the deposit balance of the deposit account. If the requested withdrawal amount is not within the range of the deposit balance, the withdrawal possible amount is calculated in the same manner as the second processing procedure described above, and it is found that the loan account is linked to the deposit account. At this time, the terminal management control unit 5 searches the loan ledger file 8 and reads the cashing balance, and then adds the withdrawable amount and the cashing balance to the rejection response message and transmits it to the terminal device 1.

The terminal device 1 that has received this rejection response message
Displays the possible withdrawal amount on the CRT display 18 and prompts the user to "change withdrawal amount" or "cashing" or "cancel".
To select.

The process after selecting each "key" is the same as the above-mentioned second process.
And the same as the fifth processing procedure.

Next, with reference to the flow charts shown in FIGS. 13 to 15, the operation in the case of conducting a withdrawal transaction will be described.

First, in step S1, the user inserts a card as shown in FIG. 4 into the card insertion slot 13 of the terminal device 1 and an operation for making a withdrawal transaction is started to input the withdrawal request amount. Then, the withdrawal request amount is notified to the host 2, and the process proceeds to step S2.

In step S2, the host 2 searches the deposit ledger file 7 to read the deposit balance of the deposit account of the user. Then, it is checked whether or not the requested withdrawal amount is within the range of the deposit balance, and if the requested withdrawal amount is not within the range of the deposit balance (insufficient balance), the process proceeds to step S3. Hereinafter, only the case where the balance is insufficient will be described, and the description when the withdrawal request amount is within the range of the deposit balance will be omitted.

In step S3, the terminal device 1 or the host 2 calculates the payable amount. That is,
In the terminal device 1, the withdrawal possible amount is calculated from the current operation state information based on the deposit balance notified from the host 2. Alternatively, in the host 2, based on the operation state information of the terminal device 1 notified from the terminal device 1, the host 2
The terminal management control unit 5 calculates the possible withdrawal amount from the deposit balance. Then, when the withdrawal request amount is within the range of the withdrawable amount, the process proceeds to step S4.

In step S4, it is checked whether a cashing transaction is possible. That is, in the terminal device 1, the magnetic card reader unit 22 determines whether or not the inserted magnetic card is a card with a loan, and the result is stored in the RAM 30. Then, the determination result stored in the RAM 30 is read out, and when it is determined that the card is with a loan, it is determined that the cashing transaction is possible. Alternatively, the host 2 checks whether or not a loan account linked to the deposit account of the depositor exists, and when the loan account exists, it is determined that the cashing transaction is possible. When it is determined that the cashing transaction is possible, the process proceeds to step S17, and when it is determined that the cashing transaction is impossible, the process proceeds to step S5.

In step S5, the CRT display section 18
For example, "insufficient balance" and the available withdrawal amount calculated in step S3 are displayed, and the user can select "total withdrawal", "withdrawal amount change" or "cancellation" within the available withdrawal amount range. Let

When the user depresses the "total withdrawal" key, the process proceeds from step S6 to step S7, online communication is performed with the host 2, and the process proceeds to step S8.

In step S8, the terminal device 1 performs cash counting and receipt printing, returns the card to the user, ejects the receipt, and proceeds to step S9.

In step S9, the terminal device 1 releases the cash to the user, the host 2 updates the deposit ledger file 7, and the process ends.

When the user depresses the "change withdrawal amount" key, the process proceeds from step S10 to step S11, and the withdrawal request amount is re-input by the user, and step S1
Proceed to step 2 to communicate online with host 2, and then step S
Proceed to 13.

In step S13, the terminal device 1 performs cash counting and receipt printing, returns the card to the user, ejects the receipt, and proceeds to step S14.

In step S14, the terminal device 1 discharges cash to the user, and the host 2 updates the deposit ledger file 7 and the process ends.

When the user presses the "Cancel" key,
From step S15 to step S16, the terminal device 1
Prints the receipt, returns the card to the user, ejects the receipt, and ends the process.

When it is determined in step S4 that the cashing transaction is possible, the process proceeds to step S17 and C
The RT display unit 18 displays, for example, “insufficient balance” “however, ×
Withdrawal transaction up to ××× yen (possible withdrawal amount) or cashing transaction with is possible. ”Is displayed, and“ total withdrawal ”or“ withdrawal amount change ”or“ cancellation within the available withdrawal amount range ” Let the user choose "caching".

If the user depresses the "total withdrawal" key, the process proceeds to step S18, and then steps S19 to S are performed.
The process of 21 is the same as the process of steps S7 to S9.

If the user presses the "change amount of payment" key, the process proceeds to step S22, and from step S23 onward.
The processing of S26 is the same as the processing of steps S11 to S14.

When the user presses the "Cancel" key,
Proceeding to step S27, the process of step S28 is the same as the process of step S16.

When the user presses the "caching" key, the cashing transaction is started. That is, the process proceeds from step S29 to step S30, the user inputs the requested cashing amount, and the step S29 is executed.
Proceeding to step 31, online communication is carried out with the host 2, and the processing advances to step S32.

In step S32, the terminal device 1 performs cash counting and receipt printing, returns the card to the user, ejects the receipt, and proceeds to step S33.

In step S33, the terminal device 1 discharges cash to the user, the host 2 updates the deposit ledger file 7, and the process ends.

If the withdrawal request amount is not within the withdrawable amount range in step S3, the process proceeds to step S34, and it is checked whether or not the cashing transaction is possible, as in step S4. When it is determined that the cashing transaction is possible, the process proceeds to step S35, and the withdrawal transaction is changed to the cashing transaction. That is, in step S35, for example, "caching" is displayed on the CRT display portion 18, and the user is allowed to select "cancel" or "caching".

When the user presses the "caching" key, the cashing transaction is started, and the step S36 is started.
Then, the processing of steps S36 to S40 is the same as the processing of steps S30 to S33.

When the user presses the "Cancel" key,
Proceeding to step S41, the process of step S42 is the same as the process of step S16.

When it is determined in step S34 that the cashing transaction is impossible, the process proceeds to step S43.

In step S43, the CRT display section 18
Is displayed, for example, "insufficient balance" is displayed, and step S4
Then, the procedure proceeds to step S4, and thereafter, the same processing as step S16 is performed.

As described above, according to the above embodiment, the magnetic card inserted in the terminal device 1 is accepted, the withdrawal request amount is transmitted to the host 2, and the deposit ledger file 7 is used to deposit the user's deposit account. Is checked to see if the requested withdrawal amount is within the range of the deposit balance, and if the balance is insufficient, the host 2 or the terminal device 1 checks the deposit balance of the user and the operating state of the terminal device 1. Calculate withdrawable amount based on the information and withdraw all available withdrawal amount, withdrawal transaction by changing withdrawal amount within the withdrawable amount range, cancellation of withdrawal transaction It can be provided to the user to improve operability and convenience.
In addition, the number of communications between the host 2 and the terminal device 1 can be reduced.

Furthermore, it is checked whether or not the withdrawal request amount is within the range of the deposit balance, and if the balance is insufficient, it is checked whether or not the cashing transaction is possible. If the cashing transaction is possible, the cashing transaction is executed. By continuously providing the information to the user, the operability and convenience of the user can be improved.

[0116]

As described above in detail, according to the present invention, when the user makes a withdrawal transaction and the requested withdrawal amount is not within the allowable withdrawal amount range, the withdrawal required amount is changed. A withdrawal transaction and a cashing transaction can be continuously provided to the user, and an automatic transaction system that can improve operability and convenience can be provided.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of an automatic transaction system according to an embodiment of the present invention.

FIG. 2 is a perspective view showing the appearance of a terminal device.

FIG. 3 is a block diagram showing an internal configuration of a terminal device.

FIG. 4 is a diagram showing an example of a card with a loan.

FIG. 5 is a diagram showing an example of a data format of a message.

FIG. 6 is a diagram for explaining a processing procedure of online communication.

FIG. 7 is a diagram for explaining a processing procedure of online communication.

FIG. 8 is a diagram for explaining a processing procedure of online communication.

FIG. 9 is a diagram for explaining a processing procedure of online communication.

FIG. 10 is a diagram illustrating a processing procedure of online communication.

FIG. 11 is a diagram for explaining a processing procedure of online communication.

FIG. 12 is a diagram for explaining a processing procedure of online communication.

FIG. 13 is a flowchart for explaining a withdrawal transaction operation.

FIG. 14 is a flowchart for explaining a withdrawal transaction operation.

FIG. 15 is a flowchart for explaining a withdrawal transaction operation.

[Explanation of symbols]

1 ... Cash automatic deposit / withdrawal device (automatic transaction device), 2 ... Host computer (host device), 3 ... Communication line, 4 ... Communication control unit, 5 ... Terminal management control unit, 6 ... CPU, 7 ... Deposit ledger file ( First ledger file), 8 ... Loan ledger file (second ledger file).

Claims (5)

[Claims] 1. A host device having a ledger file that is updated each time a transaction is performed and records at least the deposit balance of the user, and the host device is connected via a communication line and input by the operation of the user. An automatic transaction device for automatically performing a withdrawal transaction by online communication with the host device based on the information required for the transaction, and withdrawal request amount requested by the user to the host device. Withdrawal amount notifying means for notifying, and a transaction propriety determining means for determining whether or not a withdrawal transaction is possible by comparing the withdrawal request amount notified by this withdrawal amount notifying means with the deposit balance in the ledger file, When the transaction propriety determination means determines that the withdrawal transaction is impossible, the transaction prohibition notification for notifying the automatic transaction device of the determination result and the deposit balance in the ledger file A calculation means for calculating the possible withdrawal amount based on the deposit balance notified by the transaction prohibition notifying means and the operating state of the automatic transaction device, and within the withdrawable amount range calculated by the calculating means. An automatic transaction system comprising: a control means for performing a withdrawal transaction at. 2. A host device having a ledger file that is updated each time a transaction is performed and records at least the deposit balance of the user, and the host device is connected via a communication line and input by the operation of the user. Transaction device for automatically performing a withdrawal transaction by online communication with the host device based on the information required for the transaction, and an operation state notification for notifying the host device of the operation state of the automatic transaction device. Means, withdrawal amount notification means for notifying the host device of the withdrawal request amount requested by the user, withdrawal request amount notified by the withdrawal amount notification means, and deposit balance in the ledger file By comparing with, the transaction propriety determination means for determining propriety of the withdrawal transaction, and when the transaction propriety determination means determines that the disbursement transaction is impossible, in the ledger file A calculating means for calculating the possible withdrawal amount based on the balance of the deposit and the operation state of the automatic transaction apparatus notified by the operation state notifying means, and the judgment when the response judging means judges that the withdrawal transaction is impossible. Transaction prohibition notifying means for notifying the automatic transaction device of the result and the possible withdrawal amount calculated by the calculating means, and withdrawal transaction within the possible withdrawal amount notified by the transaction prohibition notifying means An automatic transaction system, characterized by comprising: 3. A host device having a ledger file that is updated each time a transaction is performed and records at least the deposit balance of the user, and the host device is connected via a communication line and input by a user operation. Transaction device for automatically performing a withdrawal transaction by online communication with the host device based on the information required for the transaction, and an operation state notifying means for notifying the host device of the operation state of the transaction device. And a withdrawal amount notification means for notifying the host device of the withdrawal request amount requested by the user, a withdrawal request amount notified by the withdrawal amount notification means, and a deposit balance in the ledger file. By comparing the transaction allowance determination means for determining whether or not the withdrawal transaction is possible, the withdrawal request amount notified by the withdrawal amount notification means, and the deposit balance in the ledger file. By comparing, it is possible to judge whether or not the entire amount of the withdrawal request amount can be withdrawn, and when it is determined that the withdrawal amount cannot be fully withdrawn, the deposit balance in the ledger file and the operation Calculating means for calculating the possible withdrawal amount based on the operating state of the transaction device notified by the status notifying means, and withdrawal for notifying the automatic transaction device of the allowable withdrawal amount calculated by this calculating means An automatic transaction system comprising: a possible amount notification means, and a control means for performing a withdrawal transaction with the possible withdrawal amount notified by the possible withdrawal amount notification means. 4. A first ledger file that is updated every time a transaction is performed and records at least the user's deposit balance, and a second ledger file that records at least the user's cashing transaction balance. Each host device is connected to the host device via a communication line, accepts a transaction medium offered by the user, and communicates online with the host device based on information necessary for the transaction input by the user's operation. An automatic transaction device for automatically performing a withdrawal transaction or a cashing transaction, a cashing transaction determination means for determining whether or not the user can perform a cashing transaction from the recorded contents of the transaction medium, and the use Withdrawal amount notification means for notifying the host device of the withdrawal request amount requested by the person Wherein the withdrawal request amount notified by means first
By comparing with the deposit balance in the ledger file of
A transaction propriety determination means for determining whether or not a withdrawal transaction is possible; When the withdrawal transaction cannot be notified by the transaction prohibition notifying means and the cashing transaction determining means determines that the cashing transaction can be performed, a control means for performing a cashing transaction, and an automatic transaction comprising: system. 5. A first ledger file that is updated every time a transaction is performed and records at least the user's deposit balance and a second ledger file that records at least the user's cashing transaction balance. The withdrawing transaction or the cashing transaction can be performed by online communicating with the host device, which is respectively connected to this host device through a communication line, and based on the information necessary for the transaction input by the operation of the user. An automatic transaction device that automatically performs, withdrawal amount notification means for notifying the host device of the withdrawal request amount requested by the user, and withdrawal request amount notified by this withdrawal amount notification means First
By comparing with the deposit balance in the ledger file of
Transaction propriety determination means for determining whether or not a withdrawal transaction is possible, and if the transaction propriety determination means determines that withdrawal transaction is not possible, whether or not the user can perform the cashing transaction based on the recorded contents of the second ledger file. And the second ledger, when the cashing transaction judging means judges that the cashing transaction can be carried out and the transaction propriety judging means judges that the withdrawal transaction is impossible. The system comprises: a transaction prohibition notifying means for notifying the automatic transaction device of the cashing transaction balance in the file; and a control means for performing a cashing transaction within the range of the cashing transaction balance notified by the transaction prohibition notifying means. An automated trading system characterized by