JPS58129578A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To add the cash transfer processing function to a current automatic transaction device to reduce the window business of a bank, by selecting the transfer source, from a user's accorunt and a deposite function to transfer the amount of money to a transfer destination account by rounding the amount of money to be transferred if it is fractional. CONSTITUTION:Supplied bank notes are discrimoiated in a bank note discriminating part 3 of the automatic transaction device, and discrimination data is read out to a transaction controlling part 1 through a register 8. The account number, etc. are read out from a bankbook by a bankbook printer/reader 4, and the account number, the key number, etc. are read out from a card by a card reader 5, and they are applied to the controlling part 1. The operation of a transfer designating button on a keyboard 6 of this device is discriminated by a transaction discriminating part 16 and is applied to not only the controlling part 1 but also a charge operating part 17, and a charge of transfer data stored in a register 13 is calculated. Processings are performed in a calculating part 18 for total amount of money and a fraction calculating part 19 to add the cash transfer processing function to the current automatic transaction device, and thus, the service for customers is improved, and the window business is reduced.

Description

DETAILED DESCRIPTION OF THE INVENTION The technical field of the invention relates to an automatic transaction device, and 41 relates to an automatic transaction device that can also handle transfer transactions.

Background of the Technology Automatic transaction devices that automatically perform cash transactions such as deposits and withdrawals have become widely used for the purpose of reducing counter operations at banks and improving services for IM customers.

In recent years, this automatic trading 1! Attempts are being made to further improve customer service by providing facilities for handling flK transfer transactions.

O Prior Art and Problems However, when attempting to add a transfer transaction function to an existing automatic transaction device, there was one major problem as described below.

That is, the following three methods can be considered as methods for automatically transferring money using an automatic transaction device.

■ A method of depositing the amount of cash to be transferred and specifying the transfer destination using account number, etc.

Among these, method ■ allows you to specify the transfer amount and transfer destination using the customer operation key on the existing device 1, so this method of Kuyoshima transfer transaction is highly feasible. However, considering method ■, the following case In other words, the existing automatic transaction Wct can only handle banknotes of a predetermined denomination. Therefore, the amount that the customer should deposit,
In other words, the transfer amount Kf includes the transfer fee in addition to the transfer amount to the transfer destination! If there is a fractional amount that is less than the cash unit that can be handled, there is a drawback that it is impossible to carry out serious transactions.

In order to solve the above-mentioned drawback, that is, the inability of the device to handle cash of less than a predetermined unit, methods of adding a function to the conventional device to handle the denomination (banknotes or coins) required for transfer transactions are becoming more and more popular. Conceivable.

However, when implementing this method, it is necessary to equip the device with a new banknote or coin discrimination unit for each denomination and a safe for storing these denominations, which requires a large lid of the device. In addition to this, there is also the disadvantage of increasing the price. 〇Thus, adding a transfer transaction function using method ① to an existing automated teller machine has a big problem. In order to eliminate the drawbacks, the present invention is to provide an automatic transaction device f/11 that completely eliminates concerns about the large size and high cost of the device and allows transfers using JJi gold. The automatic transaction device of the invention includes a deposit transaction machine that stores cash deposited by a user and can calculate the amount of money deposited, user data that can at least identify the user account in which the deposit is made, and a transfer destination account. a method in which transfer account data that can at least identify the transfer amount and data on the transfer amount to be transferred to the transfer destination account are inputted by a user's operation, and a process for rounding the fractional amount when there is a fraction in the transfer amount. A control means for automatically transacting the corresponding amount from the user's account, and a control means for automatically transacting the corresponding amount from the user's account. Embodiment of the Invention FIG. 1 is an external view showing a generally used automatic transaction device. Figure 2 is a block diagram showing one embodiment of the automatic transaction device according to the present invention. o In Figure 1, 3a is a banknote payment slot, 1m is a banknote input slot, 81' is a defective banknote return slot,
4m is the passbook insertion slot, Sa is the card slot, 18Jl is the customer operation panel, and 7m is the display. Card reader, 6 is a keyboard, 7 is a display section, %8 to 14 are registers, III is a comparison circuit, 1 is a transaction discrimination section, IT is a fee calculation section, 18 is a total amount calculation section, 19 is a layer number calculation section, SO is the line control unit. The automated teller machine shown in Figure 1 performs transactions such as deposits, payments, checking deposit balances, and filling out forms, and is widely used as a terminal for banking operations.

Therefore, the details of the operation of the equipment used in the various transactions mentioned above are explained below.
The explanation will be omitted.The 111th embodiment shows only the configuration of the transaction mechanism necessary for the transfer process. Note that unless a percentage is specified, the amount to be transferred includes the fee. That is, as will be clear from the explanation of the operation of this embodiment which will be described later, the present invention is applicable to any automatic transaction system having a deposit transaction mechanism using a card or a passbook without exception. The section 1 is for determining the authenticity of the banknotes inserted through the banknote input slot 3. Banknotes that are found to be defective as a result of the verification are returned to the customer through the return slot 81' by a mechanism not shown.
The result of the discrimination is stored, and the transaction control unit 1 generates the discrimination data stored in the register IK.
You can know the amount deposited by a customer.
Therefore, the deposit mechanism is composed of the above-mentioned discrimination section 8, register 8, and transport mechanism. In addition, the passbook printer/reader is a mechanism that prints the customer's account number, etc. on the passbook inserted through the passbook insertion slot 4, or prints transaction data (deposit amount, payment amount) and transaction results on the passbook. be. The card reader 6 has a card insertion slot Ia, a card (cash card) to be inserted, and a recorded account number and password 11.
It is a mechanism that puts out 1ta. The keyboard 6 is provided on the customer operation panel 6a and is used as a means for inputting transaction data. The display section displays transaction guidance, operating procedures, etc. on the diff 1124 layer on the IiI:4It operation panel 6a to encourage SW customers to perform transaction operations.

The operation of the embodiment device shown in FIG. 1 when performing the impregnation process will be described below. Prema aKli customer's transaction start operation, for example, a guidance message such as 1 Please press the transaction button 1 is displayed. Sara KM! The pull control unit l drives the keyboard 6 to enable the press input of the transaction selection button (not shown) on the operation panel 6a, and enters a waiting state waiting for the customer to input the transaction button. Assume that a transaction button specifying a transaction is pressed. ◎When a transaction button is pressed, the keyboard 6 outputs key data corresponding to the pressed button to the transaction determination unit 16. The transaction determination unit 16 determines the type of transaction (in this case, transfer) requested by the customer based on the key data output from the keyboard 6, and outputs a determination signal to the transaction control unit l indicating that a transfer request has been made. - Furthermore, the transaction determination unit 16 activates a fee calculation 917 to calculate a transfer fee based on amount data stored in register IIIK, which will be described later.

The transaction control unit 11s1 activates the card reader 6 and, if necessary, the bankbook printer/reader according to the transfer request determination signal from the transaction determination unit 16, and displays a message on the display 'Is to prompt the customer to insert the card and bankbook. is displayed to prompt the customer's operation.

When a card and a passbook are inserted into the card insertion slot and passbook slot A according to this guidance message, the card reader 6 and the passbook printer/reader print out the data recorded on the card and the passbook one after another. The data is stored in each register 9*lOK, and the transaction control unit lV
0 to output a signal indicating the end of continuous data output to c
End of Data Revealing Notes KXj) The transaction control section 1 drives the display section and sends a guidance message to prompt the customer to input the next operation.

For example, 1 Please enter the PIN number 1 etc. will be displayed on the display 1 0 Further, the transaction control unit 1 drives the keymate to store the PIN data input by the customer in the register 1K and starts the comparison circuit 16. The comparison circuit 1B compares the password data inputted by the customer stored in the register IIK with the password data of the card data stored in the register IOK. Comparison results (
-&, mismatch] is output to the transaction control unit 1.

When the comparator circuit 11 confirms that the password data is one piece,
The transaction control unit l drives the display unit f to display the display. A guide is displayed to the customer to input the remittance amount to the remittance destination via the keyboard 6. O With this guidance display, the remittance amount data entered by the customer from the keyboard 6 is stored in the register IIK. A zero fee calculation unit 1, which is successively outputted to the calculation s17 and the total amount calculation unit 18, calculates a transfer fee corresponding to the deposited amount data.

It is output to the total amount calculation unit 18. The total amount calculation s18 is a transaction control section 1 that calculates the transfer amount necessary for the transfer transaction by adding the friend amount data and the transfer fee as described above, and outputs the calculated transfer amount to the transaction control section 1 and the fraction calculation section 19. is the calculated transfer amount l[t-display 7 via the display section
・In addition to displaying the information on the top of page 1, a guide is displayed to the customer to select the transfer source. In other words, the customer is prompted to choose whether to withdraw the transfer amount from the customer's account and transfer the amount (account debit) or to transfer the amount using new cash deposited by customer III (cash transfer) ◎As a result, customer III presses the keyboard 61] The transfer source data to be selectively input is stored in register IIK. When the transaction control 1$1 generates the transfer source data stored in this register IIK, it performs the transfer process m' corresponding to the transfer source data. First, the successive transfer data specifies the customer account. The operation of the device when the data is data will be explained.

The transaction control unit l is the register 9 or register IO described above.
Out of the bankbook or card data stored, the customer's account number data is successively sent out, and the nine account number data are sent out to a host combiner on the center side (not shown) via the line control unit GO.One account number data. Access the deposit balance of the corresponding account. The transaction control unit l receives data accessed from the center side via the line control unit go,
The received deposit balance data of the customer account is compared with the transaction total amount, and it is checked whether or not transfer processing is possible.

If the deposit balance in the customer account is less than the transaction total amount 8, the transaction control lIl performs processing such as displaying a message on the display 7a to the effect that transfer by direct debit K is not possible. If direct debit is possible, transaction control iBl
moves to the next transaction step 9, and a guidance display prompts the customer to enter the transfer destination data, for example, the transfer destination account number ◎ Based on this guidance, the transfer destination data input from the keyboard 6 is entered into the register 14. Stored. As a result, the transaction control unit 1 sends the transferee data successively received from the register 14 to the center side via the line control unit 5ot-, and accesses data such as the name of the transferee corresponding to the transferee data. Furthermore, the accessed data such as the name is displayed on the display Ta to prompt the customer to confirm the transfer destination. When the customer inputs the confirmation of the transfer destination, the transaction control unit l withdraws the transaction total II from the customer account and sends a message to the effect that the transfer amount excluding the fee will be deposited into the transfer destination account. When the transaction information is sent to the center side (not shown), it becomes K.

Next, the operation of the device when the designated transfer source data of the next Kj1 customer is cash transfer will be explained. The transaction control unit 1 activates the fraction calculation unit 19, and causes it to calculate the fractional amount that cannot be handled by the device, out of the transfer amount calculated in the above-mentioned 9 total amount calculation 11s18. In the same way as in register 9 or 1, input the customer's account number data one after another, access the balance data, etc. from the center side, and confirm that it is possible to pay out the fractional amount calculated by the fraction calculation unit 19.Next, The transaction control unit instructs the banknote discriminator 1111 to perform a discriminating operation when inserting a banknote, via the display 7a, and instructs the banknote discriminator 1111 to perform a discriminating operation when inserting a banknote. An activation signal is output.The customer inserts the bill into the bill slot 8m based on the deposit amount guidance on the display screen.The bill discrimination lIs discriminates the inserted bill and stores the discrimination data in the register 8. As a result, the transaction control unit 1 reads out the discrimination data in the register 1 and confirms that a banknote equivalent to the indicated amount has been inserted.0 When the customer completes banknote deposit, the transaction control unit 1 performs the above-mentioned account debit. In the same way, the display guides the customer to input the remittance data (recipient account number) via the display section M.Furthermore, the transaction control ill inputs the remittance data t-continuation entered by the customer via register No. 1. The center IIK accesses the transfer destination, receives the name data of the transfer destination, etc. from the center, and further displays the name of the transfer destination on the display 7sK to prompt the customer for confirmation. 0 When the customer's transfer destination confirmation is completed, the transaction control unit l This is a transaction in which the fractional amount of the next transfer amount is rounded (discarded) and withdrawn from the customer account as described above, and the sum of the withdrawn fractional amount and the amount deposited by the customer, that is, the amount of the transferred amount is entered in the register 11. A transaction request for depositing the stored remittance amount into the remittance account is transmitted to the center via the line control unit zO.

As mentioned above, in the case of a single account debit, the total amount of the transaction is withdrawn from the customer account, and in the case of a transaction request to deposit the specified transfer amount to the recipient account, in the case of a cash transfer, a fractional amount is withdrawn from the customer account. , and a transaction request to deposit the specified transfer amount to the transfer destination account is sent to a center (not shown).The center sends the data to the transaction device, which determines whether or not to proceed with the transaction according to the various transaction requests, and also processes the transaction. If possible, update and record the transaction data and results on the center file, and send a response signal indicating the completion of the transaction to the transaction*IIK. 〇 Result of receiving the signal of the completion of the transaction via the center transfer. The transaction control unit 1 performs processing and starts the passbook printer/reader 4 and the receipt printing mechanism (not shown) to send out print data in order to print the transaction data and results on a passbook, receipt, etc. As a result, predetermined printing is performed on the passbook and cash register).After printing is completed, the passbook is inserted into the passbook slot 41. The passbook card and receipt are returned for 1 mgK through the card insertion slot 6a, and the transaction is completed.

Effects of the Invention As detailed above, according to the present invention, when there is a fraction in the transfer amount, the fractional amount f: is processed and a control means is provided for making the transaction from the user account. It is possible to add a transfer function including Kllll losses to the device, and it is expected to have excellent effects such as not only reducing bank counter operations but also improving customer service. It is clear that various applications are possible without limitation. For example, when processing to round up the transfer amount to a fraction t, in the embodiment, the fraction is rounded down and the rounded fraction is transferred to the customer (user) account. pAlthough the amount was automatically debited, it may be possible to round up the fractional amount and deposit cash corresponding to the transfer amount, and then deposit the surplus amount into the user account.0 In other words, rounding processing is the smallest unit that the device can handle. It means to match the minimum unit of the total transfer amount to the amount of . Also, what is the input order of various payment data (remittance money - 8 transfer destination data, transfer source data, etc.) by the user in the automatic transaction device and the order in which the device processes them?

It goes without saying that the order described in the embodiment is not fixed and that changes can be made as long as it does not interfere with the transfer transaction.

[Brief explanation of the drawing]

FIG. 1 is an external view showing a conventional automatic transaction device for a bank terminal, and FIG. S is a block diagram showing an example of the automatic transaction device of the present invention. 1 is a transaction control section, 17 is a commission calculation section, 11 is a total amount calculation section, and 19 is a layer number calculation section. Calculation 1 Measuring 2 Diagram

Claims (1)

[Scope of Claims] A deposit transaction machine capable of storing cash deposited by a user and calculating the amount deposited, and at least user data and a transfer destination account capable of at least identifying the user account where the deposit is made. An input means for inputting identifiable transfer account data and transfer amount data to be transferred to the transfer destination account by a user's operation. If there is a fraction I11 in the transfer amount, there is a control means for automatically transacting from the amount account t-wrinkle shaving account corresponding to the rounded fraction amount, and the fraction amount to be transferred. In this case, the automatic transaction device that will be used as the selection method for selecting the transfer source from which the rounded amount will be transferred to the transfer account from among the bank account and the % deposit transaction machine.