JPH0737009A - Transaction system - Google Patents

Abstract

PURPOSE:To provide a transaction system which can prolong the manipulatable time of an automatic transaction device without prolonging the on-line service time of a host device. CONSTITUTION:A user makes a reservation for his transaction by giving a telephone call to a host computer used for telephone service and installed at a bank that issued the cash card of the user within the on-line service time of a host computer 25 used for transactions. Then, the host computer for telephone service processes the prescribed information given from the user by a fixed equation to generate a reservation number and reports this number to the user. The user goes to the reserved branch of the bank after the end of the on-line service and inputs his reservation number together with a prescribed information for use of an automatic transaction device. Thus, the input prescribed information is processed by a fixed equation. Then, it is decided whether the transaction is possible or not, based on a fact whether the processing result of the prescribed information is coincident with the reservation number or not. Then, the transaction can be carried out in an off-line way.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION The present invention relates to, for example, a host device as a deposit ledger and the above host based on information necessary for a transaction which is connected to the host device via a communication line and inputted by a user's operation. The present invention relates to a transaction system including an automatic transaction device for automatically performing a deposit / withdrawal transaction by communicating online with the device.

[0002]

2. Description of the Related Art Generally, in financial institutions such as banks,
Transactions using an automatic transaction device for automatically performing deposit / withdrawal transactions can be roughly divided into the following two types. (1) Online transactions within the time of the center service (2) Offline transactions using the amount data in the magnetic stripe of the card

[0003]

However, in the conventional transaction method (1), since the center (host device) side needs to perform batch processing and the like, online service time is limited (currently, Since it is generally 8:45 to 19:00), the use time of the automatic transaction device was limited.

Further, the conventional transaction method (2) has a problem that the master file on the center side is not updated in real time.

Therefore, an object of the present invention is to provide a transaction system capable of extending the handling time of an automatic transaction device without extending the online service time of the host device.

[0006]

An automatic transaction system of the present invention is connected to a host device that stores data for conducting a transaction and the host device via a communication line, and is input by a user's operation. By making online communication with the host device based on the information necessary for the transaction, an automatic transaction device that automatically performs a predetermined transaction, and when the preset time reaches a preset time, the automatic transaction device is taken offline from the online transaction mode. And a control means for switching to a transaction mode.

Further, the automatic transaction system of the present invention includes a first host device storing data for conducting a transaction,
By connecting to the first host device via a communication line and performing online communication with the host device based on information necessary for a transaction input by a user operation within a preset online service time, An automatic transaction device for automatically performing a predetermined transaction, a second host device for an operator of the transaction system to perform a service using a telephone, and a user uses a telephone for the second host device. And a way to book a transaction,
When a transaction reservation is received at the second host device,
Means for notifying the user of reservation information, and means for transmitting online transaction end information for terminating the online transaction to the automatic transaction apparatus at the online service end time in the first host device, When the automatic transaction device receives the online transaction end information from the first host device, means for switching from the online transaction mode to the offline transaction mode, and from the user after switching to the offline transaction mode in the automatic transaction device. When the reservation information is input, a means for judging whether or not the transaction is possible is provided based on the reservation information.

Further, the automatic transaction system of the present invention is such that a first host device storing data for conducting a transaction and an online service which is connected to the first host device via a communication line and is preset. An automatic transaction device that automatically conducts a predetermined transaction by online communicating with the host device based on the information necessary for the transaction input by the operation of the user within a time period;
Second for performing the transaction reservation service of this transaction system
Host device, means for a user to register reservation information such as a transaction amount for the second host device, and after the online service time in the first host device ends,
The second host device comprises means for transmitting reservation information such as a transaction amount to the automatic transaction device, and means for performing an offline transaction in the automatic transaction device based on the reservation information received from the second host device. is doing.

[0009]

In the online service time of the host device, the user calls the telephone service and reserves a transaction. At the time of this telephone reservation, the reservation information is received from the host device, and when the automatic transaction device is used, the reservation information is input to determine whether or not the transaction is possible. Due to this, normally, along with the extension of the handling time of the automatic transaction device, the online service time of the host device must be extended, but the online service time of the host device is not extended, but the serviceable time of the automatic transaction device is extended. can do.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 2 shows an appearance of an automatic transaction apparatus (for example, an automatic teller machine) according to this embodiment. In the figure, a substantially L-shaped customer service operating portion 2 is formed on the front surface of a housing 1. On the horizontal surface of the customer service operating section 2, a banknote slot 3 is provided, which allows a large number of banknotes to be put in at one time and receives the discharged banknotes in a lump,
The bill slot 3 is provided with a door 4 which can be opened and closed.

A color CRT display device 5 having a transparent touch sensor panel on the display surface is provided on the horizontal surface of the customer service operating section 2. The CRT display device 5 displays operating procedures and other information on the screen by characters, wording, illustrations, or image information to guide the user and to display numbers, katakana, alphabets, and confirmation and cancellation characters. By touching a part of the touch sensor panel with a finger, desired information can be input.

On the other hand, on the vertical surface of the customer service operating unit 2, a magnetic card (cash card) as a transaction medium in which a personal identification number, an account number, etc. are recorded is accepted, and a printed receipt (detailed voucher) is ejected. A card slot 6, a passbook slot 7 that also accepts a magnetic passbook as a transaction medium, a coin slot 8 that can insert a large number of coins in a batch, a coin receipt slot 9 that collectively receives ejected coins, and an attendant operates A staff key 10 and the like are provided.

FIG. 1 shows the configuration of the above-described automatic transaction apparatus, which is a card reader / receipt printer unit 1.
1, passbook printer unit 12, banknote deposit / withdrawal unit 1
3, coin deposit / withdrawal unit 14, customer service unit 15, voice guidance unit 16, internal monitor 17, storage unit 18, floppy disk device 19, clock unit 20, transmission control unit 2
1, a main control unit 22, a power supply unit 23, and the like.

The card reader / receipt printer unit 11 reads / writes data from / to the magnetic stripe of the magnetic card received from the card slot 6. Also, a receipt with the transaction details printed is issued and discharged from the card slot 6.

The passbook printer unit 12 reads or writes data from or to the magnetic stripe of the passbook received from the passbook opening 7, and prints on the passbook as required.

The banknote depositing / dispensing unit 13 discriminates and counts the banknotes collectively put into the banknote slot 3, and stores the banknotes. When necessary, the banknote depositing / dispensing unit 13 takes out a predetermined number of banknotes stored in a safe in advance to transfer the banknotes. Pay out collectively from mouth 3.

The coin depositing / dispensing unit 14 includes a coin slot 8
The coins that have been put into the box are discriminated and counted and stored, and if necessary, a predetermined number of coins that have been stored in the safe in advance are taken out, and the coins are received from the coin receiving port 9 collectively.

The customer service unit 15 includes the CRT display device 5 and the like. The voice guidance unit 16
Guidance that guides the user's operation by voice. The internal monitor 17 notifies the staff involved in the operation of the apparatus of the state of the apparatus, and inputs the operation instruction by the staff.

The storage unit 18 is used to store various information. The floppy disk device 19 stores a program of processing procedures related to the operation of this device, records various kinds of information used for transactions, records transactions, records operating conditions of this device, and special information set uniquely to this device. Is stored. The timer unit 20 measures the current date and time.

The transmission control unit 21 is online connected to a transaction host computer (first host device) 25 of the center via a communication line 24, and if necessary, online communication is performed with the transaction host computer 25. It is supposed to do.

The main controller 22 refers to the program information in the floppy disk device 19 and refers to each unit 11
To 16 and the internal monitor 17, the storage unit 18, the clock unit 20, and the transmission control unit 20 are controlled to perform a predetermined transaction operation.

A remote monitor 26 can be connected to the main control unit 22 as needed to monitor from a distance.
The remote monitor 26 is controlled by the main control unit 22 and displays substantially the same information as the internal monitor 17, and when an abnormality occurs in this device, it also notifies by using a sounding means such as a buzzer.

Next, in such a configuration, the transaction operation will be described with reference to the sequence example of the transaction reservation shown in FIG. 3 and the flow chart of the offline payment transaction shown in FIG. For example, a user may
If it is not possible to go to the place where the automatic transaction apparatus is installed within the online service time of the transaction host computer 25, the telephone service host computer of the bank that issued the cash card to be used (second host apparatus, shown in the figure). Call).

First, the service type to be used is selected. If this example assumes "reservation transaction", the user selects "reservation transaction". That is, the user transmits the following information to the telephone service host computer.

-Transaction item-> [Reservation transaction] -Store number of relevant card->"111" -Account number of relevant card->"2222222" -PIN number of relevant card->"1234" -Installation of automatic transaction device to be used Bank number of branch office → "333" ・ Amount of desired withdrawal → "10,000 yen" In the host computer for telephone service that received the above information, the authenticity of the cash card is determined from the store number, account number and PIN. Confirm the user. Further, in the telephone service host computer, the information of the user is input to a certain equation and the solution is notified to the user as a reservation number (reservation information). The user stores the notified reservation number.

Here, an example of the above equation is as follows: [card store number + card account number + password number + payout amount (in thousands of yen) -branch store number to be used].
Since this equation also uses the branch number, security can be improved.

Further, the telephone service host computer notifies the transaction host computer 25 of each piece of information notified by the user together with information indicating that a reservation has been made. Transaction host computer 2
At this timing, 5 temporarily updates the master file (deposit ledger) of the corresponding account based on the information from the telephone service host computer.

When the online service end time comes, the transaction host computer 25 transmits a closing telegram (online transaction end information) for ending the transaction to the automatic transaction device. At that time, the telephone service host computer 25 The same equation as the above equation is also transmitted to only the notified automatic transaction device corresponding to the store number of the branch used by the user.

The main control unit 22 of the automatic transaction device temporarily stores the received equation in the storage unit 18. Further, when the closing control message is received, the main control unit 22 of the automatic transaction device switches from the online transaction mode to the offline transaction mode (reserved transaction mode) and conducts subsequent transactions offline.

After the end of the online service, the user goes to the reserved branch and conducts a transaction with the automatic transaction device of the reserved branch. In this case, in addition to normal operations such as selection of a transaction type, insertion of a cash card, input of a personal identification number, and input of a withdrawal amount, the store number of the branch and the reservation number notified at the time of reservation are input.

When the input of the necessary information of the user is completed in this way, the main control unit 22 causes the main control section 22 to store the information of the user, that is, the store number and the account number read from the cash card, and the personal identification number and withdrawal input by the user. Amount, branch store number,
When the station is closed, it is substituted into the equation sent from the transaction host computer 25 and the solution is calculated.

When the solution obtained by this calculation is equal to the reservation number input by the user, the transaction is considered to be successful, and the main control unit 22 carries out a well-known payment transaction such as cash discharge processing. If the obtained solution is not equal to the reservation number entered by the user, the transaction will not be completed and the cash card will be returned to the user. The main controller 22 also stores in the floppy disk device 19 a transaction record made during the reserved transaction mode.

The main control unit 22 of the automatic transaction device transmits a station opening request message to the transaction host computer 25 at the online service start time of the next day. At this time, the result of the reservation transaction is also included. Send to. Based on the result of the reserved transaction transmitted from the automatic transaction device, the transaction host computer 25 performs only the reservation and cancels the transaction which is not actually conducted.

If a transaction with the same cash card is made within the online service time after the reservation of the transaction is made, the cancellation of the reservation transaction is confirmed.

According to the transaction system as described above, the automatic transaction device can judge whether or not the transaction is possible by transmitting one kind of equation (calculation formula) to a plurality of automatic transaction devices. It leads to the reduction of the load. Further, the host computer side of the center can extend the handling time of the automated teller machine without changing the online service time.

Further, since the master file (deposit ledger) on the host computer side of the center is updated before the transaction, it is possible to prevent illegal withdrawal transaction. In addition, it is economical because there is no need to insert new equipment or tools. Furthermore, the user can use the automated teller machine outside the online service hours, which is extremely convenient.

[0037]

As described in detail above, according to the present invention, it is possible to provide a transaction system capable of extending the handling time of an automatic transaction device without extending the online service time of the host device.

[Brief description of drawings]

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

FIG. 2 is a perspective view showing an appearance of an automatic transaction device.

FIG. 3 is a diagram showing an example of a transaction reservation sequence.

FIG. 4 is a flowchart illustrating an offline payment transaction.

[Explanation of symbols]

2 ... Customer operation unit, 3 ... Banknote port, 5 ... CRT display device, 6 ... Card port, 7 ... Passbook port, 11 ... Card reader / receipt printer unit, 12 ... Passbook printer unit, 13 ...... Banknote deposit / withdrawal unit, 15 ...... Customer service unit, 18 ... Storage unit, 21 ... Transmission control unit, 2
2 ... Main control unit, 24 ... Communication line, 25 ... Host computer for transaction (first host device).

Continuation of the front page (51) Int.Cl. ⁶ Identification number Office reference number FI technical display location G07D 9/00 456 D 8111-3E

Claims (3)

[Claims] 1. A host device that stores data for conducting a transaction, and is connected to the host device through a communication line, and is online with the host device based on information necessary for the transaction that is input by a user operation. An automatic transaction device for automatically performing a predetermined transaction by communicating, and a control means for switching the automatic transaction device from an online transaction mode to an offline transaction mode when a preset predetermined time is reached. Characteristic trading system. 2. A first host device storing data for conducting a transaction, and a user's operation within a preset online service time, which is connected to the first host device via a communication line. An automatic transaction device that automatically conducts predetermined transactions by online communication with the host device based on the information necessary for the transaction input by the transaction device, and an operator of the transaction system for performing a service using a telephone. A second host device, means for the user to make a transaction reservation to the second host device by telephone; and when the second host device receives the transaction reservation,
Means for notifying the user of reservation information, and means for transmitting online transaction end information for terminating the online transaction to the automatic transaction apparatus at the online service end time in the first host device, When the automatic transaction device receives the online transaction end information from the first host device, means for switching from the online transaction mode to the offline transaction mode, and from the user after switching to the offline transaction mode in the automatic transaction device. A transaction system comprising means for determining whether or not a transaction is possible based on the reservation information when the reservation information is input. 3. A first host device storing data for conducting a transaction, and a user operation within a preset online service time, which is connected to the first host device via a communication line. An automatic transaction device for automatically performing a predetermined transaction by online communication with the host device based on the information necessary for the transaction input by the transaction system, and a second for performing the transaction reservation service of the transaction system.
And a means for a user to register reservation information such as a transaction amount for the second host device, and a transaction from the second host device after the online service time in the first host device ends. A transaction system comprising means for transmitting reservation information such as an amount of money to the automatic transaction device, and means for performing an offline transaction in the automatic transaction device based on the reservation information received from the second host device. .