JPH0765090A - Automtic cash transaction processing system - Google Patents

Abstract

PURPOSE:To shorten the waiting time of the payment transaction and to improve the service to a user by parallely performing the paying processing and the processing of a host computer. CONSTITUTION:The reception processing S1 is performed by inserting a magnetic card and a passbook are inserted into a cash dispenser/automatic teller machine from a user. When a code number and transaction amount are inputted 32, the incoming telegram is sent to a host computer S3 and the processing on the payment transaction is performed. Then, the processing result is sent S4 as the outgoing telegram from the host computer and the discrimination S5 in executing the transaction is performed. On the other hand, as soon as the incoming telegram is sent, the paying processing S6 which counts the bill of the input amount is performed and the bill of the specific amount is counted. When the transaction is judged to be available based on the former result discrimination, the transaction contents are printed on the detained specification or the document and returned S10 to the user. Then, the magnetic card is returned S11. The counted bill is discharged S12 and the payment transaction is ended.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic teller machine / automatic teller machine (hereinafter referred to as CD / AT) widely used in financial institutions.
(Hereinafter abbreviated as "M") and the like.

[0002]

2. Description of the Related Art FIG. 2 is a flow chart showing an automatic cash transaction processing system in a conventional CD / ATM. Figure 2
In cash transaction, first, a user inserts a magnetic card and a passbook into a predetermined insertion opening of the apparatus main body, and accepts the magnetic card and the passbook to receive the transaction (S1). Next, when the user inputs the personal identification number and the amount of money (S2), those pieces of information are transmitted to the host computer, and so-called upstream telegram is transmitted (S3). The host computer performs processing relating to the withdrawal transaction in the user's account based on the transmitted information, the content of which is transmitted as a down-line telegram and received by the CD / ATM (S4).

In CD / ATM, it is determined whether the transaction is permitted or prohibited based on the contents of the downlink message (S
5). Here, if it is determined that the transaction is not possible, that fact is displayed on the display and error processing is performed (S6). On the other hand, when it is determined that the transaction is possible, the banknote of the amount designated by the user is counted and the withdrawal process is performed (S7), and then the transaction content is printed on the statement or passbook. A process of releasing them to the outside of the machine is performed (S8). Then, the magnetic card is ejected to the outside of the aircraft and returned to the user (S9), and then the cash is discharged and the cash instructed by the user is paid, whereby the transaction processing is completed.

[0004]

By the way, in the above CD / ATM, it is desirable to shorten the processing time as much as possible to shorten the waiting time of the user as much as possible. However, in the conventional automatic cash transaction processing method, the user has to wait for the time from transmitting the up-line message to the host computer until receiving the down-line message, that is, the processing time of the host computer. It wasn't enough to shorten the time.

The present invention has been made in view of the above circumstances, and its purpose is to wait for a withdrawal transaction by performing processing related to transaction with a host computer and withdrawal processing for counting banknotes in parallel. An object is to provide an automatic cash transaction processing method that can significantly reduce the time.

[0006]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a host computer with an upstream message in an automatic cash transaction processing system which pays a specified amount of cash from a customer and a customer's account. It is characterized in that the withdrawal process of counting the amount of banknotes designated by the customer is performed in parallel with the transmission and execution of the transaction-related process by the host computer.

[0007]

According to the present invention, an up-stream message is transmitted to the host computer, and at the same time the host computer executes a transaction-related process, a withdrawal process for counting banknotes of the amount designated by the customer is started to execute two processes. Perform processing in parallel. Therefore, the waiting time for the user's withdrawal transaction can be significantly shortened as compared with the conventional case, and the service to the user can be improved.

[0008]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 1 is a flow chart showing an embodiment of the automatic cash transaction processing system of the present invention.

In FIG. 1, when a transaction is started, first, a user inserts a magnetic card and a passbook into the main body of the CD / ATM device, and accepts them (S1). Next, when the user inputs the personal identification number and the transaction amount (S2), the upstream electronic message is transmitted to the host computer (S3), and the host computer performs the processing relating to the withdrawal transaction. When this processing ends, the processing result regarding the withdrawal transaction is transmitted as a down-line message (S4), and it is determined whether or not the transaction is performed based on the down-line message (S5). In this case, if the transaction is possible, the transaction possible flag is set (flag on).

On the other hand, at the same time as sending the upstream message to the host computer, the withdrawal process for counting the input amount of banknotes is started (S6). When the counting of the designated amount of bills is completed, the bill counting end flag is set (flag on). Here, when it is determined that the transaction is impossible in the previous result determination, the bill returning process for returning the bill counted in the dispensing process is performed (S7). At this time, if the bill counting process is completed and the bill counting end flag is ON, the bills are returned to the bill stacker in the CD / ATM. If the bill counting process is not finished and the bill counting end flag is off, the bill counting process is interrupted and the bills being counted are returned to the bill stacker. Then, error processing is performed by displaying that transaction is not possible (S
8).

Next, if it is determined in the previous result determination that the transaction is possible, a waiting process for waiting the time with the withdrawal process is performed (S9). Specifically, the bill counting end flag and the transaction possible flag are checked, and the time is waited until both are turned on. When two flags are turned on in this way, the transaction details are printed on the statement or passbook and returned to the user (S1).
0), and then the magnetic card is released and returned to the user (S11). Then, the banknote counted in the withdrawal process is discharged and the withdrawal transaction ends (S12).

In this embodiment, since the banknotes are also counted and the withdrawal process is started at the same time when the upstream message is transmitted to the host computer, the process of the host computer and the withdrawal process can be performed in parallel. Therefore, it is possible to significantly reduce the waiting time of the user as compared with the conventional method in which the withdrawal process is started after the process of the host computer is completed.

[0013]

As described above, according to the present invention, by performing the withdrawal process and the process of the host computer in parallel, the waiting time of the withdrawal transaction can be greatly shortened as compared with the conventional one, and the user can be paid. There is an effect that the service can be improved.

[Brief description of drawings]

FIG. 1 is a flowchart showing an embodiment of an automatic cash transaction processing system of the present invention.

FIG. 2 is a flowchart showing a conventional automatic cash transaction processing method.

Claims (2)

[Claims] 1. In an automatic cash transaction processing method for paying a specified amount of cash from a customer's account by paying an upstream telegram to a host computer and executing processing relating to the transaction at the host computer. Then, an automatic cash transaction processing method characterized by performing a withdrawal process for counting the amount of banknotes designated by the customer. 2. Further, when a down line message is received from the host computer, whether or not the transaction is possible is determined based on the received message, and when the transaction is possible, the withdrawal process is terminated and awaiting. 2. The automatic cash transaction processing method according to claim 1, wherein the bills are discharged to the outside of the machine, and when the transaction is impossible, the bills being counted or the bills after the counting are returned to the original bill stacker. .