JPH0721812B2 - Transaction processor - Google Patents

Description

Description: (a) Technical Field The present invention relates to a transaction processing device such as an automatic deposit payment device and a deposit / withdrawal machine to which a deposit function is added.

(B) Conventional technology and its drawbacks Conventional transaction processing devices automatically perform banking operations such as deposits, payments, transfers, balance inquiries, bookkeeping, etc. I couldn't use the device, and had to go through the procedure to open it at the bank counter.

(C) Purpose of the invention The purpose of the invention is to open an account automatically with a simple operation if you bring it to cash and a seal without opening a bank account. It is an object of the present invention to provide a transaction processing device that eliminates the need for services and improves the service to customers.

(D) Structure and Effect of the Invention The present invention is a transaction including a banknote deposit / withdrawal machine, a bookkeeping machine for printing transaction amount etc. on a passbook, a key input device for inputting transaction amount etc., a display device for displaying transaction operation contents etc In the processing device, an account opening input means for receiving an instruction input for opening a new account, a card insertion guide displaying means for displaying an insertion guide of a card with a name and a seal stamped thereon, and an insertion guide according to the card insertion guide display. The reading means for accepting the card to read the name data and the imprint data, the account number assigning means for assigning a new account number to the newly opened account, and the acceptance of the instruction input by the account opening input means. Account number data of a new account assigned by the account number assigning means, name data read by the reading means, Collect fine seal image data, the name data on the basis that these three data is aligned, the passbook issuing means for issuing a passbook that records such seal image data and the new account number is made comprises a.

According to this invention, as long as the customer has cash and a seal, all the necessary procedures for opening a new account in front of the transaction processing device can be completed, and a passbook is automatically issued after opening the account. For this reason, there is an advantage that the burden on the bank side is remarkably reduced since the staff does not need to open a new account.

(E) Embodiment FIG. 1 is a block diagram of the internal structure of an automatic teller machine (hereinafter referred to as ATM) according to an embodiment of the present invention. This ATM is controlled by one MCPU 10 and a total of 7 SCPUs 11 to 17 that compose a master-slave system. SCPU
Reference numeral 11 controls a bill discharging machine 20 that deposits and withdraws bills. SCPU
Reference numeral 12 controls a bill checker 21 that discriminates the authenticity, type, etc. of deposited bills and dispensed bills. The SCPU 13 controls a voucher issuing machine 22 for issuing a voucher for recording the transaction progress and a card reader 23 for receiving a magnetic card and reading the recorded data. The SCPU 14 prints the transaction amount and the like on the passbook and controls the bookkeeping machine 24 that reads the record data of the passbook. The SCPU 15 controls a key input device 25 for inputting a transaction amount, a transaction mode, etc. and a display device 26 for guiding operation contents to a customer. The SCPU 16 controls a passbook issuing processor 27 that issues a passbook to a customer when opening a new account. The SCPU 17 also controls a card issuing processor 28 which issues a card to a customer when issuing a new account. MCPU10 and above SCPU11 ~
Each of the 17 has a ROM for recording a program that defines its own operating procedure and a RAM for storing necessary data. The transmission control unit 18 also exchanges data with a center (not shown).

Next, the operation of the above ATM will be described. 2 (A) to (D)
Is a flow chart showing an operation procedure when opening a new account.

First, at the time of idling after the power is turned on, in step n1 (hereinafter, step ni is simply referred to as ni), a display for guiding the key operation according to the contents of the desired transaction is displayed to the customer. FIG. 3 (A) shows the display contents at this time. 26a is a CRT display screen included in the display device 26, and 25a to 25f are input keys included in the key input device 25. If, for example, the key 25a is operated in this state, the payment mode is entered. When the account opening key 25f is operated (n2), a guidance display for cash input to the customer is displayed at n3. The customer puts more cash than the amount required to open a new account into the banknote dispenser 20,
When the bill checker 21 reads the cash (n5), the amount of money inserted is displayed in n6, and a display prompting confirmation is displayed. FIG. 3B shows the display state at n6.
In this state, only the keys 25a and 25d are valid.
An LED lamp is arranged at the center of each key, and when the lamp is lit, it indicates that the key is valid. In FIG. 3, a black circle in the center of each key means that the LED is in a lighting state. When the key 25a is operated in the above n7, it is determined to be cancelled, and the inserted cash is returned to the banknote discharging machine 20 and returned to the original idle state. When the key 25d is operated (n7), it is regarded as confirmed, and the screen 26a displays a message requesting that the user wait for a while (n8). Send data (n9). The center decrypts the received data, assigns a new account number, and sends a message back to the ATM. This telegram contains data indicating that the transaction is valid and a new code number (n10). The message sent from the center is stored in the RAM 30 of the MCPU 10 from the transmission controller 18. The MCPU10 sends a new passbook issue command to the SCPU16, and the SCPU16 starts control for issuing a passbook (n1
1).

On the other hand, the screen 26a displays a message asking the customer to insert the OCR card (n12). The user must enter the name and address, if necessary, on an OCR card prepared in advance (n13), and then stamp the card with a bank seal (n13).
14), when it is inserted into the bookkeeping machine 24 (n15), the standby instruction display is again displayed on the screen 26a, and the SCPU 14 reads the inserted OCR card (n17). The SCPU14 uses the read data in RAM
Remember in 34. Also, pass those data to MCPU10, and MC
The PU 10 stores the received data in the RAM 30. After the above processing is completed, a message indicating that the personal identification number used for the new account is input is displayed on the display screen 26a (n18). According to the display, when the customer inputs the personal identification number (n19), the standby instruction display is performed again (n20). The secret code entered during that time is SCP
It is stored in the RAM35 of U15 and passed to the MCPU10.
The PU 10 stores the received personal identification number in the RAM 30. With the above operation, the data shown in FIG. 4 is stored in the RAM 30 attached to the MCPU 10. N4 in area M1
The amount of money deposited in is stored. Area M2
The account number included in the message from the center received in n10 is stored. N15 inserted in areas M3 and M4
Name and address data recorded on the OCR card is stored. In the area M5, the personal identification number entered in n19 is stored. In the area M6, the imprint data of the bank seal imprinted on the OCR card inserted at n15 is stored.

Below n21, the issuing process of the magnetic card and passbook is performed based on the above data. First at n21 MCP
U10 sends the name, account number and PIN to SCPU17. S
The CPU 17 stores the received data in the RAM 37 and starts the card issuing process by the card issuing processor 28. First, a new magnetic card is paid out. Subsequently, the personal identification number and the account number are written on the magnetic stripe. Furthermore, the data necessary for card information such as bank number, branch number, and subject pre-stored in RAM37 is written to the magnetic stripe (n2
1). Next, write the name, account number, bank number, branch number, and subject as embossing (n22).

The MCPU 10 also sends the name, account number, deposit amount, and imprint data to the SCPU 16. When the SCPU 16 receives the data and stores it in the RAM 36, the passbook issuing processor 27 starts recording the data in the passbook. First, the SCPU16 writes the bank number, the branch number, the subject, and the account number received from the MCPU10 in advance in the RAM36 to the magnetic stripe (MS) attached to the back cover of the passbook issued in n11 (n23 ). Then, the name is printed on the cover of the passbook (n24). Further, the passbook is turned over by one page (n25), and the imprint is transferred to the bank seal stamp column on one page of the passbook (n26). After the transfer, the passbook is turned over by one page, and the deposit amount is printed on the first line of the first page of the transaction record page (n27, n28).

After the above processing is completed, a card reception guide display is displayed on the screen 26a (n29), and the magnetic card newly created by the SCPU 17 is ejected (n30). When the customer pulls out the magnetic card (n31), a passbook receipt guide is displayed on the screen 26a (n32), and the card issuing processor 28 releases the passbook (n33). When the customer extracts the passbook (n34), the fact that the process is completed is displayed on the screen 26a (n35), and the process ends.

Through the above series of operations, customers can easily open a new account without having to go to a bank counter just by performing the same operation as a conventional ATM, and receive a magnetic card and passbook accompanying the opening. be able to.

[Brief description of drawings]

FIG. 1 is an internal block diagram of an ATM according to an embodiment of the present invention. 2 (A) to (D) are flowcharts showing the operation of the above ATM in the account opening mode, and FIG. 3 (A).
(B) is a diagram showing a display example of the CRT display screen, and FIG. 4 is a diagram showing stored contents of the RAM 30 connected to the MCPU 10 in the account opening mode.

Claims (1)

[Claims] 1. A transaction processing device comprising a banknote depositing / dispensing machine, a recording machine for printing transaction amount etc. on a passbook, a key input device for inputting transaction amount etc., and a display device for displaying transaction operation contents etc., for opening a new account. The account opening input means for receiving the instruction input of, the card insertion guide display means for displaying the insertion guide display of the card with the name and the seal stamped, and the card inserted according to the insertion guide display of the card Reading means for reading data and imprint data, account number assigning means for assigning a new account number to a newly opened account, and the account number assigning means for receiving the instruction input by the account opening input means Collect the account number data of the new account to be assigned, the name data read by the reading means, and the imprint data, and The basis that the three data al is aligned name data, a passbook issuing means for issuing a passbook that records such seal image data and the new account number, consisting includes a transaction processing device.