JPH0793428A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To provide the automatic teller machine which can smoothly carry on dealings even if the balance of a customer's account becomes deficient in dealings by a cash card. CONSTITUTION:This automatic teller machine is equipped with a magnetic card reader part which receives a magnetic card and reads account information out of the magnetic card and an input part which serves as a display part for setting a withdrawal transaction and a transfer transaction and inputting the amount of money dealt with. On the basis of the read account information, a communication with the account of the magnetic card is performed and the amount of money dealt with is compared with the balance of the account. If the balance is deficient, the deficiency of the balance is displayed at a display part on the basis of an indication of a main control part. When another magnetic card is inserted into a magnetic card reader part according to the display of the deficiency of the balance, the main control part supplements the deficient amount of money from the account of another magnetic card.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like for automatically performing transactions such as deposit and withdrawal with a customer.

[0002]

2. Description of the Related Art In recent years, many financial institutions such as banks are equipped with a number of automatic transaction devices for automatically performing transactions such as deposits and withdrawals. Then, the customer can use the cash card to make a deposit / withdrawal transaction. Also, due to the development of online lines, many banks are online and it is possible to make transfer transactions between multiple banks using cash cards.

In a transfer transaction using a cash card, after the cash card is inserted into the automatic transaction device, the bank name, account number, transfer amount, etc. of the transfer destination are input through the operation unit to automatically transfer money from the own account. The designated amount of money is withdrawn and transferred to the transfer destination.

[0004]

However, in the conventional automatic transaction apparatus, the response to the failure of the transaction is not sufficient. In other words, if a shortage of balance occurs in one's own account in a transfer transaction with a cash card, the transaction will be unsuccessful and the transaction must be restarted from the beginning. Therefore, the operation becomes troublesome.

Further, during the time period when the transfer transaction by cash cannot be performed, the transaction must be terminated once, and the shortfall must be deposited in the own cash card account, and then the transfer by the cash card must be performed again, which is a very operation. Is troublesome. Therefore, further improvement of services for the transferee is desired.

The present invention has been made in view of the above points, and an object thereof is to provide an automatic transaction apparatus capable of smoothly continuing a transaction even when a shortage of balance occurs in an own account in a transaction by a cash card. Especially.

[0007]

In order to achieve the above object, an automatic transaction device according to the present invention has a reading means for receiving a magnetic card and reading account information from the magnetic card, and an input for inputting a transaction item and a transaction amount. Means and
A communication means for communicating with the account of the magnetic card according to the account information, a comparison means for comparing the deposit balance of the account with the transaction amount based on the communication result of the communication means, and a comparison of the comparison means. As a result, when the balance of the deposit is insufficient, the reading means reads the other account information from the other magnetic card, the communication means communicates with the account of the other magnetic card, and the other magnetic card Control means for supplementing the above-mentioned shortage amount from the account. Further, according to the automatic transaction device of the present invention, the control means includes means for executing the transfer transaction and the withdrawal transaction in response to the input by the input means.

[0008]

According to the automatic transaction apparatus having the above-mentioned structure, when the transfer means and the transfer amount are input by the input means, the control means allows the reading means to receive the magnetic card. The magnetic card is received by the reading means,
When the account information is read from the magnetic card, the control means communicates with the account by the communication means based on the account information. Then, the comparison means compares the deposit balance of the above-mentioned account with the transfer amount, and when a balance shortage occurs, the control means inserts the magnetic card of another account into the reading means according to the indication of insufficient balance. Then, the control means communicates with the account of the other magnetic card by the communication means, and supplements the insufficient amount from the account of the other magnetic card.

Thus, even if a balance shortage occurs during a transaction with a magnetic card, the shortfall amount can be supplemented from another magnetic card account. Therefore, it becomes possible to continue the transaction smoothly without interruption or interruption.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An automatic transaction system equipped with an automatic transaction device according to an embodiment of the present invention will be described in detail below with reference to the drawings. As shown in FIG. 1, the automatic transaction system includes a host computer 41 for controlling the entire system, and a plurality of automatic transaction apparatuses 1 are connected to the host computer 41 via a centralized monitoring device 45 and an online line 40. There is.

A remote monitor (R / M) 34 is connected to each automatic transaction apparatus 1, and the status of the corresponding automatic transaction apparatus 1 is monitored by these remote monitors 34. Each automatic transaction device 1 side is provided with an intercom 35 that a customer uses for inquiries when a failure occurs in the automatic transaction device. The remote monitor 34 and the intercom 35 are connected to a reporting device 36, and the reporting device 36 is a public line (or dedicated line).
It is connected to the centralized monitoring device 45 via 37. The obstacles include abnormalities in taking in or discharging a cash card, abnormalities in depositing and withdrawing banknotes and coins, abnormalities in transportation of a passbook, and the like. If you forget to take your cash card or cash,
The centralized monitoring device 45 is notified of a failure.

In the automatic transaction system having the above structure, each automatic transaction apparatus 1 has an online line 4 during normal transaction processing.
0 is used to communicate with the host computer 41.
In addition, the remote monitor 34 that monitors the state of the automatic transaction device 1 uses the communication device 36 and the public line 37 as necessary.
Predetermined information is transmitted to the centralized monitoring device 45 via.

When the customer makes an inquiry to the centralized monitoring device 45 side by using the intercom 35 of the automatic transaction device 1, the centralized monitoring device 45 side can talk through the interphone 45a.

As shown in FIG. 2, each automatic transaction apparatus 1 includes a housing 2, and a substantially L-shaped customer service operating section 3 is provided on the front surface of the housing 2. The horizontal plane 3b of the customer service operating unit 3 is provided with a banknote slot 7 into which a large number of banknotes can be put in at one time and a large number of paid out banknotes can be discharged at a time. A door 8 that can be opened and closed is provided at the bill slot 7.

Further, the horizontal section 3b of the customer service operating section 3 is provided with a display unit 9 having a color CRT, an input unit and a display unit 9 as a selection unit. This display unit 5
The display surface is provided with a transparent touch sensor panel.
The display unit 5 displays the operating procedure of the automated teller machine 1 and other information on the screen by characters, wording, illustrations or image information, and guides the user, as well as numbers, caracana, alphabets, confirmation and cancellation characters. By touching the part of the touch sensor panel corresponding to the display of with a finger, the touch sensor detects it and can input desired information to the main control unit 21 described later.

On the vertical surface 3a of the customer service operating section 3, a passbook insertion slot 4, a card insertion slot 5 for receiving a magnetic card (cash card), a slip issuing slot 6 for ejecting printed detailed slips, A coin slot 10 is provided which allows a large number of coins to be inserted and ejected collectively. A coin receiving port 10 for receiving the discharged coins in a lump is provided. In addition, a spooker hole 14a of a speaker 14 for voice guidance that can assist voice guidance is formed on the vertical surface 3a.

As shown in FIG. 3, a magnetic card reader unit 22 as a reading means, a slip processing unit 23, a passbook processing unit 24, and a bill depositing / withdrawing unit 2 are provided in the housing 1.
5, coin deposit / withdrawal unit 26, customer service unit 27, voice guidance unit 28, internal monitor 29, storage unit 22, RA
M30, floppy disk device 32, transmission control unit 31 as communication means, main control unit 21 for controlling the entire device,
A power supply unit 33 and the like are provided.

The magnetic card reader unit 22 reads account information such as a personal identification number, an account number and a transaction bank from the magnetic stripe of the magnetic card inserted from the card insertion slot 5. The slip processing unit 23 issues a statement slip on which the transaction details are printed, or prints the self-diagnosis result on the statement slip, and ejects it from the slip slot 6.

The passbook processing unit 24 reads or writes data such as an account number and a transaction bank on the magnetic stripe of the deposit passbook inserted from the passbook insertion slot 4, and when necessary, the passbook and Print the transaction details and the results of the introduction of accounts on the journal paper for recording.

The banknote deposit / withdrawal unit 25 discriminates, counts, and stores the banknotes collectively put into the banknote slot 7, and also withdraws a specified number of banknotes stored in advance in the safe, if necessary. And then pays out collectively from the bill slot 7. The coin depositing / dispensing unit 26 discriminates, counts and stores the coins collectively put into the coin slot 10, and, if necessary, takes out a predetermined number of coins previously stored in the safe and receives the coins. Pay out collectively from mouth 10.

The customer service unit 27 includes the above-mentioned display unit 9. The voice guidance unit 28 guides the user's operation by voice through the speaker 14. The internal monitor 29 is composed of a liquid crystal display device with a built-in touch sensor, and notifies the staff involved in the operation of the automated teller machine 1 of the state of the device and inputs an operation instruction by the staff.

The RAM 30 stores the banknote storage state of each safe according to the inspection result from an inspection unit (not shown) in the deposit / withdrawal unit 25. Floppy disk device 40
Stores a data file in which information on a plurality of financial institutions necessary for transfer transactions, for example, bank names, branch names, etc., is recorded in the order of Japanese syllabary.

The transmission controller 31 is online connected to the host computer 41 via the online line 40, and controls data transmission between the host computer 41 and the main controller 21 as required. .

The main controller 21 controls the operation of each of the components 22 to 28, the internal monitor 29, the RAM 30, and the transmission controller 31 while referring to the program information in the floppy disk device 40, and also controls the entire device. Then, the predetermined transaction is executed. Further, the main control unit 21 performs a remaining amount diagnosis of various media (banknotes, coins, statement slips, journal paper, transfer card, etc.) and also performs an operation diagnosis of each unit.

A remote monitor 34 is connected to the main controller 21 so that it can be monitored from a distance. The remote monitor 34 is controlled by the main control unit 11 and displays almost the same information as the internal monitor 18, and when an abnormality occurs in this device, it also informs by using an alarm means such as a buzzer.

Next, the operation of the automatic teller machine configured as described above will be described. Here, a case of conducting a transfer transaction using a magnetic card will be described. Figure 4
As shown in, in the customer waiting state, the main control unit 21 displays a customer waiting screen for selecting a transaction item on the display unit 9 of the operation unit 3 (ST1). In this state, when the magnetic card transfer is selected through the display unit 9 (ST2),
The main control unit 21 displays a card insertion screen as shown in FIG. 6 on the display unit 9 (ST3), and when the card is inserted, the screen shown in FIG.
A PIN code input screen as shown in is displayed on the display unit 9 (ST4).

Subsequently, when the personal identification number is input, the main control unit 21 displays a display screen showing the transfer destination bank name, branch name, account number, etc. on the display unit 9 to guide the input of the transfer destination. Then, after the transfer destination is input (ST5), when the transfer amount is input (ST6), the input data is communicated to the host computer 41 via the online line 40 (ST).
7), the communication screen as shown in FIG. 8 is displayed on the display unit 9. After that, the main control unit 21 displays a confirmation screen of the deposit amount on the display unit 9 (ST8), and again communicates with the host computer 41 when the confirmation button is pressed (ST9).

At this time, the main control section 21 compares the deposit balance of the magnetic card account with the transfer amount, and detects whether or not the deposit balance satisfies the transfer amount (ST10). When the deposit balance satisfies the transfer amount, the main control unit 21 executes the transfer process (ST11), and after the transfer process is completed, the magnetic card (card 1) and the statement slip are inserted into the card insertion slot 4 and Release from the slip issuing port 6 (S
T12). Then, after the customer receives the magnetic card and statement, the customer waiting screen is displayed on the display unit 9 (S
T13).

On the other hand, in step 10, when the deposit balance is less than the transfer amount, the main control section 21 displays a balance shortage screen as shown in FIG. 5 on the display section 9 (ST13).
The balance shortage screen displays the deposit balance, transfer amount, shortage amount, card button 51, and end button 52, and displays a guide to supplement the shortage amount with a card of another account or to end the transaction. To be done.

When the end button 52 is pressed, the main controller 21
Ejects the magnetic card (card 1) and the statement slip from the card insertion slot 4 and the slip issuing slot 6, respectively (ST1
2). Then, after the customer receives the magnetic card and statement, the customer waiting screen is displayed on the display unit 9 (ST1.
3).

When the card button 51 is pressed, the main control section 21 displays the card insertion screen shown in FIG. 6 on the display section 9 (ST14). Here, the first inserted magnetic card and the magnetic card (card 2) of another account are the card insertion slot 5
7, the main control unit 21 displays the personal identification number input screen shown in FIG. 7 on the display unit 9, and when the personal identification number is input (ST15), the main control unit 21 communicates with the host computer 41 via the online line 40. , A communication screen as shown in FIG. 8 is displayed on the display unit 9 (ST16).

At this time, the main control unit 21 compares the deposit balance of the other account with the shortage amount (ST17). If the deposit balance is less than the shortage amount, the balance shortage screen is displayed again, and steps 13 to 17 are performed. repeat.

If the deposit balance of the other account satisfies the shortfall, the transfer transaction is established and the main control unit 21
Executes a transfer process (ST18). After the transfer process is completed, the main control unit 21 releases the first magnetic card (card 1) and the statement slips relating to the account of this magnetic card from the card insertion slot 4 and the slip issuing slot 6 (ST19) and other The detailed slips relating to the magnetic card (card 2) and other accounts are released from the card insertion slot 4 and the slip issuing slot 6 (ST20). Then, after the magnetic card and statement is received by the customer,
The customer transaction screen is displayed on the display unit 9 (ST13) to complete the transfer transaction.

According to the automatic transaction apparatus configured as described above, when a balance shortage occurs in a transfer transaction using a magnetic card, another magnetic card is used to supplement the balance shortfall to continue the transfer transaction. be able to. Therefore,
Even if the balance becomes insufficient during the transfer transaction, there is no need to interrupt the transaction or start over from the beginning, and smooth transactions can be performed easily. As a result, it is possible to shorten the transaction time and improve the serviceability to the customer.

The present invention is not limited to the above-described embodiments, but can be variously modified within the scope of the present invention. For example, the transaction using the plurality of magnetic cards described above can be applied not only to the transfer transaction but also to the withdrawal transaction. In other words, in the withdrawal transaction, if you start the withdrawal transaction with the first magnetic card and the deposit balance of that account is less than the withdrawal amount, the above-mentioned balance shortage screen will be displayed and you will be prompted to insert the magnetic card of another account. However, it is possible to make up for the deficient amount by using another magnetic card account. Even in this case, the withdrawal transaction can be continued without interrupting and re-doing the transaction, and the same advantages as above can be obtained.

[0036]

As described in detail above, according to the present invention, even if a balance shortage occurs during a transaction with a cash card, the transaction can be continued with the cash card of another account, and a smooth transaction can be performed. A possible automatic transaction device can be provided.

[Brief description of drawings]

FIG. 1 is a diagram schematically showing an automatic transaction system including 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 according to an embodiment of the present invention.

FIG. 3 is a diagram schematically showing an internal structure of the automatic transaction device.

FIG. 4 is a flowchart showing a transfer transaction using a magnetic card in the automatic transaction device.

FIG. 5 is a plan view showing a balance shortage screen displayed on the display unit of the automatic transaction device.

FIG. 6 is a plan view showing a card insertion screen displayed on the display unit of the automatic transaction device.

FIG. 7 is a plan view showing a personal identification number input screen displayed on the display unit of the automatic transaction device.

FIG. 8 is a plan view showing an in-communication screen displayed on the display unit of the automatic transaction device.

[Explanation of symbols]

4 ... passbook insertion slot, 6 ... card insertion slot, 7 ... banknote insertion slot,
9 ... Display unit, 21 ... Main control unit, 25 ... Banknote deposit / withdrawal unit, 31 ... Transmission control unit, 41 ... Host computer.

Claims (3)

[Claims] 1. A reading means for receiving a magnetic card and reading account information from the magnetic card, an input means for inputting a transaction type and a transaction amount, and a communication means for communicating with an account of the magnetic card according to the account information. , Comparing means for comparing the deposit balance of the account with the transaction amount based on the communication result of the communicating means, and the reading means when a balance shortage occurs in the deposit balance based on the comparison result of the comparing means. Control means for reading other account information from the other magnetic card, communicating with the account of the other magnetic card by the communication means, and supplementing the shortfall amount from the account of the other magnetic card. An automatic transaction device characterized by. 2. The automatic transaction apparatus according to claim 1, wherein the control means includes means for executing a transfer transaction and a withdrawal transaction in response to an input by the input means. 3. A display means for displaying a balance shortage when the balance shortage occurs, and a selection means for selecting whether to cancel the transaction or supplement the shortage amount from another magnetic card account. The automatic transaction device according to claim 1, wherein: