JPH0766403B2 - Automatic transaction equipment - Google Patents

Description

Detailed Description [Table of Contents] Outline Industrial field of application Conventional technology Problems to be solved by the invention Means for solving problems (FIG. 1) Action Example (a) of one embodiment Description of configuration (FIGS. 2 and 3) (b) Description of operation of one embodiment (FIGS. 4, 5, and 6)
(Fig. 7, Fig. 8, Fig. 8) (c) Description of other embodiments [Effect of the invention] [Outline] In an automatic transaction device that executes a transaction operation by inputting a transaction medium by a user and inputting transaction data. ， The first input processing mode without password input according to the contents of the transaction medium,
By providing a control unit that selectively executes the second input processing mode with secret code input,
It simplifies input operations and enables transaction processing in a short time.

[Industrial application field]

The present invention relates to an automatic transaction device that automatically executes a transaction by a user's input operation using a transaction medium such as a card or a passbook, and particularly simplifies the user's input operation and shortens the input time for the transaction. Uru automatic transaction equipment.

2. Description of the Related Art Automatic transaction devices that perform automatic transactions using cards or passbooks as transaction media are widely used in financial institutions.

In such an automatic transaction device, since the user performs the input operation by himself, it is desirable to simplify the input operation as much as possible. On the other hand, the transaction permission is judged from the transaction data of the transaction medium or the input data of the user. Therefore, the content of the input operation is important.

[Conventional technology]

As shown in FIG. 9, the operation sequence of the conventional automatic transaction apparatus starts with the insertion of the transaction medium of the user and ends by releasing and returning the transaction medium to the user.

That is, when the user inserts the transaction medium into the mounting, the content of the magnetic stripe of the transaction medium is read and the transaction data, which is the content, is checked.

The issuer, account number, validity code, secret code, etc. are recorded on the magnetic stripe of the transaction medium. On the device side, it can be used from the issuer code, is not an invalid account from the account number, or the validity code. Check whether the transaction medium is valid and check the validity of the transaction medium itself. If this check is valid, the user is prompted to enter his / her password to verify the identity, and the password is checked against the password on the transaction medium. If the identity verification is good, the device side decides that the transaction is possible.

When the identity is confirmed, the user is then prompted to input the desired transaction amount and the input operation step is terminated. Then, it communicates with the host computer based on the input data, and the host computer performs account inquiry, update, etc., determines transaction permission / non-permission, and sends a message. If the transaction is permitted, the transaction is executed (for example, cash counting and release if payment is made), and details are printed on the receipt or passbook.

Finally, the transaction medium is released and the automatic transaction ends.

[Problems to be solved by the invention]

In such automatic transactions, as operations required for conventional transactions, the user is required to insert at least the transaction medium, input the secret code, and input the transaction amount, and further add the transfer and deposit functions. For multi-function devices, it is also necessary to enter the transaction type.

Therefore, in addition to the problem that it takes time and effort for the user to perform a transaction, the time required for one transaction also becomes long,
There was a problem that utilization efficiency was also reduced. It is an object of the present invention to provide an automatic transaction device that simplifies a user's input operation and shortens the time required for a transaction.

[Means for solving problems]

 FIG. 1 is an explanatory view of the principle of the present invention.

In the present invention, the first mode and the second mode are provided as the input processing modes after the insertion of the transaction medium,
The control unit selectively executes this.

In this first mode, the contents of the transaction medium (transaction data)
After the validity check, the transaction amount is allowed to be input. In the second mode, as before, after the validity check,
It allows the user to enter the password and then enter the transaction amount.

The selection of the first mode and the second mode is selected according to the content (for example, qualification data) of the transaction data of the transaction medium.

Then, the amount input screen of the first input processing mode is displayed on the operation screen, and when the second input processing mode is selected, the secret input screen is displayed.

[Action]

In the present invention, a first input mode without password input is provided,
Since this can be executed depending on the contents of the transaction medium, in the first input mode, the user's input operation can be simplified and the time required for the transaction can be shortened.

In this first mode, the transaction user is a good customer,
From the perspective of being a large customer, it is possible for a specific user to use the desired simple input format. Therefore, the content of the transaction medium includes this availability data.

In addition, such special users should be careful enough to manage the transaction medium by notifying them that they can carry out transactions without performing password verification, and therefore need not perform password verification. However, there is little risk that safety will be compromised.

On the other hand, for the user who desires the second mode, the conventional input operation procedure control is performed, so that a safe and emotional transaction can be executed.

〔Example〕

(A) Description of Configuration of One Embodiment FIG. 2 is an overall configuration diagram of one embodiment of the present invention in FIG. 2, showing an automatic transaction device capable of depositing and withdrawing money.

In the figure, 1 is a card reader / receipt issuing machine (hereinafter referred to as CIP), which accepts a user's magnetic stripe card CD, reads the data on the magnetic stripe MS of the card CD, and prints the receipt / journal on the card CD. Imprint the embossed part of, print transaction details, and return receipt RCP and card CD, 2 is a passbook printer, accepts user's passbook PB with magnetic stripe, and passes the magnetic stripe MS of passbook PB A device that reads and prints transaction details on the passbook PB and returns the passbook PB. 3 is a bill counting machine, which counts and discharges bills PC of a designated amount from the bill storage, and performs withdrawal operation, 4 Is an envelope depositing machine, which emits an envelope EV according to an instruction and receives an envelope EV into which deposits such as a banknote PC or a check CH has been input by a user and stores it in a storage box, 5
Is an operation panel, which is provided with a first input key 52 on both sides, a display 51 for guiding the user's operation and defining the input key 52, and a second input key 50 for the user to input data. Is provided.

Reference numeral 60 denotes a main control unit, which is composed of a microcomputer and controls the operation of the entire apparatus by executing a program. 61 denotes a card control unit, which controls the operation of the CIP 1 according to an instruction from the main control unit 60. Reference numeral 62 is a passbook control unit, which controls the operation of the passbook printer 2 in response to an instruction from the main control unit 60. Reference numeral 63 is a withdrawal control unit, which is an envelope depositing machine according to an instruction from the main control unit 60. 4, which controls the operation of 4, the operation control unit 65, which controls the operation panel 5 in response to an instruction from the main control unit 60, 66 is a memory, which is a program necessary for the processing operation of the main control unit 60 , Which stores data and has an in-progress transaction instruction register 66a, a magnetic stripe buffer 66b, a message buffer 66c, and the like, 67 is a line control unit, and based on an instruction from the main control unit 60, a host computer and an electronic message 68 is a floppy A chromatography disc drive, constitute an external storage device, a floppy disk 68a, 68b are those is set, for example, bad account the floppy disk 68a, the bank table off-line transaction data, etc. are stored, a floppy disk 68
The program is stored in b, and the floppy control unit 69 controls the floppy disk drive 68 according to an instruction from the main control unit 60 to read and write the floppy disks 68a and 68b.

Therefore, in this automatic transaction apparatus, the CIP 1 and the passbook printer 2 are provided as the medium handling section, the bill counting machine 3 is provided as the dispensing section, the envelope depositing machine 4 is provided as the depositing section, and the operation panel 5 is provided as the operating section. It is configured as a multi-function automatic transaction device that can deposit, withdraw, and transfer by using a card CD or passbook PB.

FIG. 3 is an explanatory diagram of a transaction medium used in the present invention.

The card CD has a magnetic stripe MS as shown in FIG. 3 (A). As transaction data recorded on the magnetic stripe MS, the customer type GD and the credit balance (credit payment amount for a certain period)
cc is included.

Similarly, the passbook PB also has the magnetic stripe MS on the back cover as shown in FIG. 3 (B), and the transaction data recorded in the magnetic stripe MS includes the customer type GD and the credit balance cc.

This customer type GD is a kind of qualification data defined by the grade of the user, and the above-mentioned first input processing mode is selected by this customer type.

On the other hand, the credit balance cc is provided to limit the amount of payment in the first input processing mode, so that even if the transaction medium is lost, the damage can be minimized.

(B) Description of operation of one embodiment FIGS. 4 (A) and 4 (B) are flow charts of the transaction processing of one embodiment of the present invention, and FIGS. 5 and 6 are FIGS. B)
7 and 8 are explanatory views of the operation guide screen in FIG.

In this embodiment, the first input processing mode (referred to as "quick service transaction") can be selected only for payment transactions that account for more than half of the automatic transactions, and the quick service transaction can be selected for other deposits, balance inquiry, etc. Instead, the normal second input processing mode (referred to as normal transaction) is selected.

First, in the standby state waiting for the insertion of the transaction medium,
The display 51 of the operation panel 5 displays the quick service screen shown in FIG. This quick service screen is a guide screen to "please insert card or passbook" and "please press desired transaction button", and the first input keys 52 on both sides of the display 51 are for quick service. , The fixed amount payment from "1000 yen payment" to "20000 yen payment" is defined and other transactions can be selected.

In this state, when the card CD is inserted into the CIP1 or the passbook PB is inserted into the passbook printer 2, the transaction data of the magnetic stripe MS of the card CD or the passbook PB is read by the CIP1 or the passbook printer 2 and the card control unit 61 or the passbook is read. Transaction data is given to the main control unit 60 via the control unit 62 and stored in the magnetic stripe buffer 66b of the memory 66.

The main control unit 60 checks the validity of the transaction data in the magnetic stripe buffer 66b. That is, the validity of the issuer code, validity code, account number, etc., of the collected data is checked.

If even one is not valid by this validity check, the passbook or the card discharge screen of FIG. 6 (B) or FIG. 6 (E) is displayed on the operation panel 51 via the operability control section 65, and The card CD or passbook PB inserted by the CIP 1 or passbook printer 2 is returned.

On the other hand, if the above-described validity check is good, the main control unit 60 checks the customer type GD of the transaction data in the buffer 66b and determines whether quick service transaction is possible. If the quick service transaction is possible, the quick service payment is recorded in the in-progress transaction register 66a of the memory 66, and the input of the first key 52 on the quick service screen of FIG. 5 (A) is awaited.

When the user presses any one of the first keys 52, the contents of the press are notified to the main control unit 60 via the operation control unit 65.

The main control unit 60 checks whether the pressed content is a fixed amount payment or other transaction, and when the other transaction is pressed, the quick service transaction is stopped, the quick service payment in the executing transaction register 66a of the memory 66 is canceled, and the normal transaction is performed. , And proceed to the normal transaction of step.

On the other hand, when the pressed content is a fixed amount payment, the main control unit 60 compares the credit balance cc of the buffer 66b of the memory 66 with the input payment transaction amount. The service transaction is stopped, the quick service payment in the executing transaction register 66a of the memory 66 is canceled, the transaction is rewritten to the regular transaction, and the step proceeds to the regular transaction.

Therefore, in the quick service transaction, only the fixed amount payment transaction shown in the screen of FIG. 5 (A) is possible, and other amount payment transactions and other transactions are executed as normal transactions.

If the quick service transaction is not possible in the step, the main control unit 60 stores the in-execution transaction instruction register in the memory 66.
The content of 66a is a normal transaction.

Then, after this or in the case of canceling the quick service transaction, the main control unit 60 displays the fifth information on the display 51 of the operation panel 5 via the operation control unit 65 for password input.
Display the password input screen of FIG.

Thus, when the user inputs his / her own personal identification code from the second key 50, the main control unit 60 is notified via the operation control unit 65.

The main control unit 60 compares the password of the magnetic stripe buffer 66b of the memory 66 with the input password.

If this comparison and verification is not good, return to the step and return the card CD or passbook PB.

On the other hand, if the comparison and collation are good, the main control unit 60 causes the display 51 of the operation panel 5 to display the transaction selection screen of FIG. 5C via the operation control unit 65 in order to input the transaction type. This allows the user to "pay", "pay",
The transaction types of “balance check”, “transaction inquiry”, and “transfer” can be entered through the first key 52.

When the user selects "Payment" from the first key 52, the operation control unit 65 gives it to the main control unit 60, rewrites the contents of the in-progress transaction instruction register 66a to normal transaction payment, and causes the operation control unit 65 to operate. The display 51 of the operation panel 5 displays the amount input screen of FIG. 5 (D).

In this amount input screen, "10000 yen", "20000 yen",
"30000 yen" and "50000 yen" are entered using the first key 52, and the other keys are entered using the second key 50.

The user can thereby use the first key 52 or the second key 50.
Enter the payment amount.

On the other hand, when a transaction other than "Payment" is selected on the transaction selection screen of FIG. 5C, the main control unit 60 causes the ongoing transaction instruction register 66a.
Contents of the normal transaction are rewritten to the designated transaction and the corresponding transaction input processing is executed. For example, in the case of balance inquiry and transaction inquiry, no further input is necessary, and the process proceeds to the step, where the envelope deposit machine 4 is controlled if "payment" and the above-mentioned amount input and destination input are made if "transfer".

In this way, when the input process is completed by step or, the main control unit 60 determines that the in-progress transaction instruction register
Create a transmission message to the host computer according to the contents of 66a. For example, if it is a quick service transaction,
As shown in Fig. (A), the transmission message is composed of the message type (quick service transaction), the medium used (card, passbook), etc. as a header and the transaction date, input amount, and passbook (or card) data as data. And if it is a normal transaction,
As shown in the normal transaction payment telegram example of FIG. 8 (A), the telegram type (normal payment transaction) and the medium used are headers, and the transaction date, input amount, input password, passbook (or card) data are data. Create a send message.

The main control unit 60 transmits a transmission message to the host computer via the line control unit 67 to communicate with the host computer, and communicates with the display 51 of the operation panel 5 via the operation control unit 65 as shown in FIG. Display the middle screen.

In the host computer, FIG. 7 (A) and FIG. 8 (A)
As shown in, when the transmission message is received, the account status is checked from the user's account file, the transaction availability is determined, the user file is updated, and the reception message indicating the transaction availability is transmitted.

The main controller 60 stores the received message from the line controller 67 in the message buffer 66c of the memory 66, and then analyzes it.

When the main control unit 60 determines that the transaction disapproval is included in the header of the electronic message by this analysis, the process returns to the step in FIG. 4A and returns the card CD or passbook.

On the contrary, when the main control unit 60 determines that the transaction is permitted, the main control unit 60 determines from the contents of the in-progress transaction instruction register 66a whether or not the transaction is a quick service transaction, and proceeds from outside the quick service transaction to the step.

When determining that the transaction is a quick service transaction, the main control unit 60 checks whether the card transaction is a passbook transaction.

In the case of passbook transaction, the message type (quick service transaction approval), magnetic stripe data, and print data are sent from the host computer as a received message as shown in FIG. 7 (A), so the main control unit 60 is input in step. An instruction to withdraw the amount is given to the withdrawal control unit 63, and the bill counting machine 3 is caused to perform the counting operation of the instructed amount.

At the same time, the magnetic stripe data and the print data are given to the passbook control unit 62, and the passbook printer 2 updates and prints the magnetic stripe MS of the passbook PB.

At this time, only the print data of the transaction is transmitted from the host computer, and as shown in FIG. 7 (B), only one line is recorded for the transaction in the quick service.

That is, even if there is unregistered data in the file of the host computer, it is not transmitted and only the transaction amount is transmitted as the print data, which shortens the recording time in the quick service and reduces the time required for the transaction. Shorten.

Next, the main control unit 60 displays the display via the operation control unit 65.
The passbook release screen of FIG. 6 (B) is displayed at 51, and a passbook release command is given to the passbook control unit 62 to cause the passbook printer 2 to release the passbook PB.

Further, the main control unit 60 displays the display via the operation control unit 65.
The cash discharge screen of FIG. 6 (C) is displayed at 51, a cash discharge command is given to the withdrawal control unit 63, the counting cash is discharged from the bill counting machine 3, and the process is ended.

When the card transaction is determined in step, the main control unit 60
Is a withdrawal control unit for issuing withdrawal instructions of the amount entered in step
The bill counting machine 3 is caused to count the amount instructed by the bill counting machine 3.

At the same time, the main control unit 60 gives the card control unit 61 a receipt printing, imprinting, and card updating instruction, and causes the CIP1 to imprint the embossing on the card CD, print the receipt, and update the magnetic stripe MS.

Next, the main control unit 60 displays the display via the operation control unit 65.
The card release screen of FIG. 6 (D) is displayed on 51, and a card / receipt release command is given to the card control unit 61 to release the card CD and the receipt RCP from CIP1.

Further, the main control receiver 60 is a display via the operation control unit 65.
The cash discharge screen of FIG. 6 (C) is displayed at 51, a cash discharge command is given to the withdrawal control unit 63, the counting cash is discharged from the bill counting machine 3, and the process is ended.

If it is determined in step that the transaction is not a quick service transaction (that is, a normal transaction), the main control unit 60 determines from the contents of the ongoing transaction instruction register 66a whether or not a card payment is made, and if it is a card payment, a step Execute the card payment transaction for the amount entered in the step.

On the other hand, if it is not card payment, it is determined whether it is a card transaction, and if it is not a card transaction, it proceeds to the step.

In the case of card transaction (that is, card deposit, card transfer, card balance inquiry, etc.), the main control unit 60 gives a receipt print, imprint, card update instruction to the card control unit 61, and C
IP1 embossed imprint on card CD,
Print receipts and update magnetic stripe MS.

Next, the main control unit 60 displays the display via the operation control unit 65.
The card release screen of FIG. 6 (D) is displayed at 51, and a card / receipt release command is given to the card control unit 61 to release the card CD and the receipt RCP from CIP1, and the process is ended.

If it is determined in step that the transaction is not a card transaction, the main control unit 60 determines whether the transaction is a bankbook payment.

When the main control unit 60 determines that the payment is the passbook payment, the main control unit 60 gives the withdrawal instruction of the amount input in the step to the withdrawal control unit 63, and causes the bill counting machine 3 to perform the counting operation of the instructed amount. At the same time, a passbook update instruction is given to the passbook control unit 62 so that the passbook printer 2 updates the magnetic stripe MS of the passbook PB.

Further, the main control unit 60 displays the display via the operation control unit 65.
The cash discharge screen of FIG. 6C is displayed at 51, and a cash discharge command is given to the withdrawal control unit 63 to discharge the counted cash from the bill counting machine 3.

After the release of this counting cash, or when it is determined that the passbook has not been paid,
Enter the passbook entry step.

That is, the main system rear part 60 issues a bookkeeping request to the host computer, and in addition to the received telegram received in the above step, as shown in FIG.
Receive data.

Then, as shown in FIG. 8 (B), the main control rear part 60 gives a passbook control unit 62 a bookkeeping command and print data, and the passbook printer 2 sequentially prints the unbooked data on the passbook PB, and finally the current transaction Print the data.

Next, the main control unit 60 displays the passbook release screen of FIG. 6B on the display 51 through the operation control unit 65 and gives a passbook release command to the passbook control unit 62 so that the passbook printer 2 can pass the passbook PB. Is released and the process ends.

In this way, either quick service transaction or normal transaction is selected and executed according to the customer type of transaction data of the card CD or passbook PB.

In this quick service transaction, only a fixed amount payment transaction is possible, and therefore the input operation is completed and the passbook entry is also completed by only pressing the key 52 corresponding to the fixed amount displayed on the screen of FIG. 5 (A). Only the book entry for this time will be held. For this reason, the input operation is extremely simplified and the bookkeeping time can be shortened, so that the time required for one transaction is significantly shortened.

On the other hand, in the normal transaction, it is possible to perform a variable amount payment transaction and a transaction such as non-payment payment. In this case, the secret code input and the amount input are required in the input operation as in the conventional case.

Further, as for the passbook entry book, the unbooked entries are also entered as in the conventional case, which is convenient as the entry content.

Further, even if quick service transaction is possible, other transaction can be designated by the step. In this case, ordinary transaction can be performed and transaction such as variable amount payment can be performed.

Further, in the case of quick service transactions as well, in order to maintain transaction security for payment transactions exceeding the credit balance, the transaction security is guaranteed by switching to normal transactions and performing identity verification using a secret code.

This credit balance indicates the possible transaction amount for one day or the transaction amount for multiple days, and is updated for each quick service transaction.

(C) Description of Other Embodiments In the above-mentioned embodiments, a multi-function automatic transaction device capable of transferring, depositing, etc. has been described, but it may be an automatic payment machine that can only make payments, or a card or passbook. Either one may be used as the transaction medium.

Further, even in the quick service transaction, the passbook entry step may be entered up to the unregistered amount as in the normal transaction, and the amount input of the quick service transaction may not be a fixed amount but may be a variable amount.

Furthermore, although the secret code is checked on the terminal side, it may be checked on the host computer.

Although the present invention has been described above with reference to the embodiments, the present invention can be modified in various ways according to the gist of the present invention, and these modifications are not excluded from the present invention.

〔The invention's effect〕

As described above, the present invention has the following effects.

In the automatic transaction device, a first input processing mode without password input is separately provided to enable an input operation in the first input processing mode depending on the contents of the transaction medium.
Since the amount input screen of the first input processing mode is displayed as the initial screen, the operation time of the first input processing mode is shortened, the transaction time of the user is shortened, and the service is improved. Usage efficiency is also improved.

In the first transaction mode, when the payment amount exceeds the limit amount, the second transaction mode with a secret code is set, so even if the transaction mode is permitted, damage caused by illegal transaction can be minimized. .

Further, even if the limit amount is exceeded, payment within the account balance is possible by the second transaction mode, and it is possible to prevent the payment prohibition to the legitimate user who is permitted the first transaction mode. .

[Brief description of drawings]

FIG. 1 is an explanatory diagram of the principle of the present invention, FIG. 2 is a structural diagram of an embodiment of the present invention, FIG. 3 is an explanatory diagram of a transaction medium used in the present invention, and FIGS. 4 (A) and 4 (B) are books. One embodiment of the invention Transaction processing flow diagram, FIGS. 5 and 6 are explanatory diagrams of an operation guide screen used in the present invention, FIG. 7 is an explanatory diagram of a passbook entry book for quick service, and FIG. 8 is a passbook for normal service FIG. 9 is an explanatory diagram of a conventional technique. In the figure, 1 ... Card reader / receipt issuing machine (reading means), 2 ... Passbook printer (reading means), 5 ... Operation panel (input means), 60 ... Control section.

Claims (1)

[Claims] 1. A reading means for reading transaction data from a user's transaction medium in which transaction data including customer type data associated with an input processing mode is recorded, and the operation content of the user is displayed. Since the user makes a transaction, the transaction executing means is controlled based on at least the operation means for inputting the transaction amount and the secret code, the transaction executing means for executing the transaction, the read contents of the reading means and the input data of the operating means. In an automatic transaction device having a control unit, an amount input screen is displayed in advance on the operation means, the validity of the read transaction data is checked, and then the user is based on the read customer type data. The first input processing mode in which the transaction amount is allowed to be input on the displayed amount input screen and the payment transaction of the transaction amount is executed without the password input of After changing the display screen of the operating means to a personal identification input screen and performing the personal identification input on the displayed personal identification input screen, the validity of the personal identification entered is checked and based on the entered transaction amount. A second input processing mode for executing a transaction, and a control section for controlling to selectively execute the second input processing mode, wherein the control section is executing the first input processing mode according to the read customer type data. In addition, when the payment amount input by the user exceeds a predetermined limit amount corresponding to the read transaction data, the automatic transaction device is switched to the second input processing mode and executed. .