JPH0782572B2 - Automatic teller machine - Google Patents

Description

Description: BACKGROUND OF THE INVENTION This invention relates to an automatic teller machine that is located in a bank or other financial industry and is used by its customers.

In the age of cashless, not only cards such as credit cards that secure credit, but also cards such as telephone cards to which some value is added (hereinafter referred to as value cards) are widely distributed. Value cards, such as telephone cards, are a true replacement for money.

On the other hand, the conventional automated teller machines offer deposits, withdrawals, transfers,
It only had a transaction function that was directly related to money such as bookkeeping and balance inquiry. In order to respond to the emergence of the value card as described above, the automatic teller machine is also faced with a change.

[Object of the Invention] An object of the present invention is to increase the versatility of an automatic teller machine by providing it with a value card issuing function.

[Structure of the Invention] An automatic teller machine according to the present invention inputs transaction selection means for selecting a desired transaction from among a plurality of types of transactions including deposit, payment and issuance of a value card, and data representing a transaction amount. Input means, determining means for reading data from a transaction card owned by an account holder, and determining the presence or absence of transaction qualification based on the read card data, and determining the transaction qualification by the determination means, and the transaction When a transaction for issuing a value card is selected by the selection means,
Value card issuing means for issuing a value card recording data relating to the transaction amount input from the input means, and access by data read from the transaction card when the value card is issued by the value card issuing means It is equipped with a transfer means for subtracting the transaction amount recorded on the issued value card from the balance of the account.

Value cards include telephone cards, railway value cards (so-called orange cards), and other cards with added value.

The automated teller machine preferably further comprises card type selection means for entering the type of value card to be issued.

[Operation of the Invention] When a customer tries to obtain a value card using an automatic teller machine, the transaction for issuing the value card is selected by the transaction selecting means, and the transaction amount of the value card to be issued is input means. Input from. The determining means reads the card data from the transaction card owned by the customer, and determines whether or not the transaction qualification is present based on the card data. When the determination means determines that the customer has transaction qualification, a value card representing the transaction amount input from the input means is issued by the value card issuing means. When the value card is issued, the transaction amount recorded on the issued value card is deducted by the transfer means from the balance of the customer's account accessed by the data read from the customer's transaction card, and The balance is updated.

If multiple types of value cards can be issued (telephone card, railroad card, etc.), the customer selects the desired value card type using the card type means.

[Effect of the Invention] The automatic teller machine according to the present invention has a function of issuing a value card in addition to a plurality of types of transaction processing including deposit and payment. Originally, the automated teller machine, which was supposed to handle money, issues a value card with a value that replaces money, which makes it very convenient for customers. For example, a value card can be issued instead of or in addition to withdrawing money from one's own deposit account. Since the transaction amount recorded on the issued value card is automatically deducted from the balance of the customer's account, both the customer and the bank clerk can save money for issuing the value card. Value cards are an alternative to money for certain purposes. This is convenient because the customer can save the trouble of separately going to the value card issuer and purchasing the desired value card after withdrawing money. The customer can also select a desired one from multiple types of value cards.

Further, since the automatic teller machine has a value card issuing function, the installer of the automatic teller machine need not install both the automatic teller machine and the device for issuing the value card.

[Description of Embodiments] FIG. 1 shows an appearance of a transaction processing apparatus. This transaction processing device has a value card issuing function in addition to ordinary transaction processing functions such as deposit (payment), payment (withdrawal), transfer, and bookkeeping. On a substantially horizontal operation surface projecting forward of the transaction processing device 20, a display unit (hereinafter referred to as CRT) 1, which displays and guides the customer's operation procedure and other items, and function keys arranged on both sides of the screen of CRT 1. 2A and a numeric keypad 2B, and an insertion slot 3A and a return slot 3B for inserting bills in transactions such as deposit and transfer are provided. On the almost vertical operation surface of the transaction processing device 20, a passbook insertion and return port 6, a bank card (transaction card) insertion and return port 4,
A discharge port 7 for discharging a dispensed banknote in a dispense transaction and indicators 8 and 9 for handling and handling transaction types are provided, respectively. A value card issuing port 5 is provided above the bank card insertion and return port 4. In addition to the CRT, for example, a plasma display or the like can be used as the display 1. The function key 2A is used to input a transaction type selection, a value card type selection, a unit of ten thousand, a thousand, a yen, etc., confirmation, and cancellation according to each stage of transaction processing. The function of the function key 2A is displayed each time on the screen of the CRT 1 adjacent to the function key 2A. The withdrawal banknote outlet 7 is also used as a receipt issuing port for the customer in each transaction. On the vertical operation surface, a staff call button 10 and a staff operation key 11
Is provided.

FIG. 2 schematically shows a mechanism provided inside the bank card insertion / return port 4 and the value card issuance port 5. Inserting a bank card, inside the return port 4 the transport path 13
A card reader 14 for reading the data recorded in the bank card and writing the required data if necessary is arranged on the way of the transport path 13. As is well known, a bank card is a card possessed by a person who is qualified to conduct banking transactions in order to show his / her qualification.
Generally, a magnetic card is used. On the magnetic recording surface or recording location of this bank card, a code indicating that the card is a bank card, the name of the bank that issued the card, the name of the branch, the account number of the card holder's account, the personal identification number, etc. are magnetically recorded. ing.

A card unloading path 15 is also provided inside the value card issuing port 5, and a card writer 16 for recording required data on the value card issued on the way is arranged. Blank card storage areas (for example, storage boxes) 17 and 18 are provided at the inner end of the carry-out path 15. In this embodiment, two types of value cards, a telephone card and an orange card, are issued, a blank telephone card and a blank orange card are pre-stored in the storage areas 17 and 18, respectively. There is. The blank cards in these storage locations 17 and 18 are independently fed to the carry-out path 15 by driving the respective feeding rollers 17A and 18A. These value cards are also magnetic cards, and on the magnetic recording surface or recording place, the type of the value card, the issuing bank name, the data representing the keyed value, and other data are magnetically recorded by the card writer 16. Will be recorded.

FIG. 3 shows the configuration of the electrical control circuit of the transaction processing device 20. The transaction processing unit 20 is controlled by a central processing unit (hereinafter referred to as CPU), preferably a microprocessor 21, which is loaded from a floppy disk or the like and has a program memory storing a program for executing transaction processing. ， Selected transaction ， Transaction amount ，
The memory device 22 includes a volatile memory that temporarily stores transaction data such as the selected value card type, the value of the value card, and transaction data, and a nonvolatile memory that stores transaction total data.

The transaction processing device 20 further includes a keyboard including the function keys 2A and ten keys 2B and its control circuit 26, C.
RT1, display device 8 and 9 and display device 27 including its control circuit, and bill checker that performs authenticity determination and counting of deposits or banknotes for transfer into the slot 3A and release in transactions of withdrawal A banknote processing device 28 including a banknote discharging machine for counting and discharging to-be-processed banknotes, a slip issuing machine 29 for printing transaction data on receipts and journals, printing transaction data on a passbook, and a magnetic stripe provided on the passbook. Passbook processor 2 that reads or writes written data
3, the above-mentioned card reader 14, and the above-mentioned card writer 16, the driving device for the feeding rollers 17A, 18A, the driving device for the carry-out path 15 and the like are provided with a value card issuing device 25, which is connected to the CPU 21 by a bus. Has been done. The CPU 21 communicates with a control center (not shown) via the transmission control device 30 for the transaction processing.

The control center has a customer-specific information file (hereinafter referred to as CIF) that stores the account number, name, address, balance, and other items for each customer who has an account. As a result of the communication between the center and the transaction processing device, it is updated for each transaction according to the transaction type and transaction amount of the corresponding customer balance.

FIG. 4 shows a transaction processing procedure by the CPU 21.

First, on the CRT 1, a message indicating that a transaction type is to be selected and letters indicating transaction types such as deposit, withdrawal, transfer, value card issuance, balance inquiry, and bookkeeping are displayed adjacent to each function key 2A (step. 51). When the customer presses function key 2A representing the desired transaction type (step 5
2) Which function key is pressed, that is, the type of transaction selected is determined (steps 53 to 5).
Five). In steps 53 to 55 of FIG. 4, for convenience,
Only three types of transactions, payment (withdrawal) and issuance of a value card, are determined, but it goes without saying that other types of transactions can be accepted in the same manner.

When the transaction of issuing a value card is selected, CRT1
A guide to select the type of value card to be issued is displayed, and the letters "phone card" and "orange card" are displayed corresponding to the two function keys 2A (step 56). When the function key is input (step 57), it is determined which value card has been selected, and the type of the selected value card is the memory device.
It is stored in 22 (steps 58 to 61).

Further, an instruction to enter the value of the value card to be issued is displayed on the CRT 1 (step 62), and when the customer inputs the value using the ten-key 2B, the entered value is stored in the memory device 22. (Step 64). This value will generally be expressed and entered in the corresponding monetary amount.

Then, an instruction to insert the bank card is displayed on the CRT 1 (step 65), and when the customer inserts the bank card into the card insertion slot 4, this is detected (step 66).
This bank card is transported along the transport path 13, and its card data is read by the card reader 14 and stored in the memory device 22 (step 67).

It is determined whether the bank card is an authorized card based on the card data (step 68). It is preferable to request the customer to key-in the personal identification number and check whether the personal identification number keyed in corresponds to the personal identification number in the card data. However, this security code check may be performed at the control center.

The order of selecting the type of value card (steps 56 to 61), inputting the value (steps 62 to 64) and inserting and reading the bank card (steps 65 to 67) may be reversed.

In any case, if the bank card is a legitimate card and has passed the necessary PIN code check, the card data of the read bank card and transaction data such as the entered value are transmitted to the control center. Be done (Step 6
9).

The control center searches the CIF and checks whether an account with the corresponding account number exists and whether the value is less than or equal to the balance of the account. A value card can be issued if the account with the account number in the card data exists and the balance of the account exceeds the transmitted value. The value (value) of the value card to be issued is subtracted from the balance of the corresponding account, and the balance is updated with the result of this subtraction as the new balance. Then, transaction data such as the value card issuance permission, card data, value, new balance, etc. is transmitted to the corresponding transaction processing device.

If the account number in the card data sent from the transaction processor does not exist in CIF, or if the value is larger than the balance, the transaction in which the value card cannot be issued, the card data, the value, etc. are applicable It is transmitted to the processing device.

When the transaction processing device receives the message from the center (step 70), it is judged whether the value card issuance is permitted (step 71).

Memory device if value card is authorized
It is checked from the stored contents of 22 whether it is a telephone card or an orange card (step 72). In the case of a telephone card, the feeding roller 17A is driven and the telephone blank card is fed to the carry-out path 15 (step 73). In the case of an orange card, the feeding roller 18A is driven to feed the blank card (step 74). Then, the card writer 16 writes data such as the type and value of the card on the fed card. In the case of telephone cards, the value data is recorded in the form of frequencies, for example. It is of course possible and more common to record in the form of monetary amounts. The value card in which the value and the like are recorded is sent to the issuing port 5.

Thereafter, the bank card is returned to the return port 4, and a receipt on which necessary transaction data is printed is issued from the issuing port 7 (step 75). If the bank card is removed, the transaction processing ends (step 76).

If the issuance of the value card is not permitted, the bank card is returned (step 77) and the fact that it is not permitted is displayed on the CRT 1 (step 78). The transaction ends when the bank card is removed (step 79).

A passbook can also be used in a transaction for issuing a value card. At this time, the transaction data issued by the value card will be printed on the passbook, so it will not be necessary to issue a receipt.

In the above-mentioned embodiment, the control center decrements the amount of money from the customer's account to immediately make the settlement, but the settlement may be delayed for a certain period. Alternatively, a banknote of a value equivalent may be inserted into the banknote slot 3A, and the banknote may be used to pay for the value card. If you have any change, you may deposit it into your customer's account. In the case of settlement from the customer's account, if the balance is insufficient, the shortfall can be paid in cash.

Transaction processing other than value card issuance transactions is performed using deposit (step
53) and payment (step 54), but these transaction processes are briefly described for reference.
These transaction processes themselves are known.

FIG. 4 shows a deposit using a passbook (steps 81 to 92) and a payment using a bank card or a passbook (steps 101 to 103). In addition to this, there are deposit processing using a card.

When the deposit transaction is selected (step 53), the passbook insertion guide is displayed on the CRT 1 (step 81), and when the passbook is inserted (step 82), the data recorded on the magnetic stripe of the passbook by the passbook processor 23. Is read and stored (step 83). CRT 1 guide to deposit banknotes
Is displayed on the screen (step 84), the bill is inserted.
When the bill is inserted into 3A and its shutter is closed (step 85), the bill processing device 28 determines the authenticity and the type of the inserted bill, and the total amount is converted and stored (step 86). The total amount of inserted banknotes is displayed on the CRT1 and the user is asked to confirm it (step 87). Therefore, if there is a confirmation input using the function key 2A (step 88), the passbook data, amount, etc. will be displayed. It is sent to the center (step 89).

At the center, the deposit amount is added to the balance of the corresponding account, and a message indicating that the deposit processing is completed is transmitted to the transaction processing device 20 (step 90). After that, in the transaction processing device 20,
The deposit transaction data is printed on the passbook (step 91) and the passbook is returned (step 92).

In the transaction of payment (step 54), a bank card or passbook is inserted according to the guidance to CRT1 and the data thereof is read (steps 101 to 103). If the bank card or passbook card is OK (step 104), the CRT 1 is instructed to input the payment amount, and when this amount is input by the ten key 2B, it is taken in (steps 105 to 10).
7).

Bank card data or passbook data, payment amount, etc. are transmitted to the center (step 108). The center subtracts the payment amount from the balance of the corresponding account and outputs a message that payment is OK. If the account is not dependent or the balance is lower than the payment amount, a message indicating that payment is not possible is edited.

When a message from the center is received (step 10
9) If the transaction processing device 20 has data indicating that payment is OK in the message, the bill processing device 28 ejects the bill of the payment amount to the ejection opening 7 (steps 110 and 111), and after printing the passbook or the receipt, The passbook or bank card and receipt are released (steps 112, 113).
If payment is not possible, the bankbook or bank card is returned without the banknotes being discharged (step 114).

Although the transaction processing device is connected to the control center on-line in the above embodiment, it goes without saying that the present invention is also applied to an off-line transaction processing device.

[Brief description of drawings]

FIG. 1 is a perspective view showing the external appearance of the transaction processing apparatus, FIG. 2 is a block diagram showing a card reading / card issuing mechanism, FIG. 3 is a block diagram showing an electrical configuration of the transaction processing apparatus, and FIG. It is a flow chart which shows a transaction processing procedure. 1 …… CRT, 2A …… Function key, 2B …… Numeric keypad, 4 …… Bank card insertion / return slot, 5 …… Value card issue slot, 6 …… Passbook slot, 16 …… Card writer, 17 , 18 ……
Blank card storage, 20 …… Transaction processing device, 21 ……
CPU, 25 …… Card issuing device.

Claims (2)

[Claims] 1. A transaction selection means for selecting a desired transaction from a plurality of types of transactions including deposits, payments and issuance of value cards, an input means for inputting data representing the transaction amount, and a person having an account. Judgment means for reading data from a transaction card owned and judging whether or not there is a transaction qualification based on the read card data; When selected, a value card issuing means for issuing a value card recording data relating to the transaction amount input from the input means, and a value card issuing means for reading the value card when the value card is issued by the value card issuing means. Transfer method for subtracting the transaction amount recorded on the issued value card from the balance of the account accessed by the data ， Has an automated teller machine. 2. The automatic teller machine according to claim 1, further comprising card type selection means for inputting the type of value card to be issued.