JPS5835667A - Transaction processing system for automatic transaction processing device - Google Patents

Abstract

PURPOSE:To improve the operability of a multifunctional transaction device, by recording transaction designating data on a recording medium such as a card and a bankbook and supplying this data to an automatic transaction device and setting the device to the automatic transaction mode and executing the processing on a basis of designating data. CONSTITUTION:Bank transaction data fields 70 and 75 and transaction designating data fields 71 and 76 are provided respectively on a card and a bankbood for transaction which are used in an automatic transaction device which executes plural transaction processings such as money receipt, payment, and transfer. Transaction designating data which designates a transaction type and data attendant upon this transaction are recorded in fields 75 and 76. When trsnsaction designating data is set to fields 75 and 76 and is inputted to the automatic transaction processing device, this designating data is read in a reading part of the transaction device, and the designted transaction processing is performed automatically, thus improving the operability of the multifunctional automatic transaction device.

Description

[Detailed Description of the Invention] This invention is applicable to, for example, deposits (deposits), withdrawals (cash payments), transfers (I [exchange]),
The present invention relates to a transaction processing device O transaction island 111 that selects and automatically performs transactions in each building such as bookkeeping and balance inquiries.

As the above-mentioned automated transaction processing devices have become increasingly multi-functional in recent years, a major drawback is the sloppy operation.
When the operation becomes complicated, it is necessary to speed up the use of the passenger Fi equipment.
Equipment availability decreases. There are many mourning devices in Noshiro.
& The number of selection items increases, and the processing time also increases.

Therefore, this invention addresses the above-mentioned problems, and even if it is a multi-functional self-service transaction processing device, it can be operated as easily as a single-function machine, and can process in the same processing time as a single-function machine. The device company provides a convenient transaction processing method that allows each transaction to be completed in 4 steps using normal key selection operations.

According to the present invention, transaction designation data that designates a specific transaction is recorded on the recording medium and provided to the automatic transaction processing device, and by setting this 5kIl11 to automatic transaction mode, the transaction designation data Read the data,
Since the specified transaction J6 luck is automatically executed, the customer can perform the transaction with the same operation as a single-function machine.
In addition to improving operability for customers, processing time can be shortened due to the operation specifications of a single-function machine, even though it is a multi-function machine, and the operating rate of the machine can be improved.

In addition, if you release the automatic transaction mode setting, you can use it as a normal multi-function machine by selecting each transaction key, so you can use it at the location where the automatic transaction processing device is installed or when it is used. Depending on the usage situation such as F, the machine can be effectively used by selecting the first payment mode or the normal mode.

This invention having such characteristics will become clearer from an embodiment described in detail based on the following drawings.

The drawing shows an automatic transaction processing device that performs multiple transactions such as deposits, payments, transfers, bookkeeping, and balance inquiries.

In FIG. 1, the automatic transaction processing device 20 has a horizontal operation U21 that protrudes in the direction of the crowd, and an operation procedure display 22 is provided on the right side of this operation surface 21. displays the operating procedure for each step of the user, and each user operates based on the displayed guidance.

Transaction keys 28 are provided in the left and right digits 11 of the operation procedure display 22 to designate transaction types such as deposit, payment, transfer, bookkeeping, and balance inquiry.

A numeric keypad 24, an amount unit key 25, a confirmation key 26, a cancel key 27, and an amount display 28 are provided on the front of the operation procedure display 22, and the numeric keypad 24 displays numerical values such as a password, amount, or transfer destination. Enter the information and enter the monetary value entered using the monetary unit key 25ti and numeric keypad 24.
Enter the unit of 1,000 yen, press the - confirmation key 26Fi or operate when the displayed financial value is correct, and press the cancel key 27Fi.
Operated when canceling a transaction by escalation, the amount display 28 displays the amount entered using the numeric keypad 24 and the phoneme unit key 26 or the amount read from the card or passbook.

A banknote input slot 29 and a banknote output slot 80 are provided on the left side of the operation surface 21 mentioned above, and these are normally closed by a shutter 81 and opened when necessary. The above-mentioned bill slot 29 inserts deposited bills during a deposit transaction, and the bill dispensing port 80 discharges returned bills during a deposit transaction.

A ii clerk key 82 is provided at the left end of the aforementioned operation 11i121, and this clerk key 82 is operated by the clerk when operating the screen 120.

A handling display 34 is provided in the upper position of the generally vertical operation 188 of the aforementioned device t2G, and this display s4 displays the types of transactions that can be processed.

A card slot 85 is provided on the right side of the operation surface 88, and a slip receiving slot 86 is provided at the bottom of the slot 85. A card given to the customer is inserted into the card slot 851, and a slip receiving slot 36 is provided. A slip with Nini Tanihi's transaction data printed on it is released.

On the left side of the operation surface 88 mentioned above, there is provided an entry point 87, into which a large INK page given to the user is opened and inserted.

The door key 88 and the attendant call key 39 are removed from the left side of the operation surface 83, and the door key 88 is removed from the device 2.
0's side S<not shown)' k1m when the staff operates the inner S, the staff operates it, and the staff call key89When the customer operates the device 20 and needs to call the staff, press this button. Manipulate.

Although not shown in FIG. 1, the door key 88 is used to open the door! A monitor panel is provided on the inside of #, and in addition to the transaction test F mode switch and each set button, this panel also includes a setting switch 1 to set 20 to the self transaction mode. Section 2 shows the internal structure of the automatic transaction processing device 20C), which is composed of six units 41 to 46 of 120 units.

Main aTh Yunin) 41t! wStar CPU47 ROM
48, RAM 49, and two interfaces 50.
511r, ink face 60Fi and other units 4
2 to 46 and the main control balance 41 are connected, and the ink 7 ace 51 Fi center and the king system -22y) 41 kW
kContinued, ROM48hvStar0 Stores the execution program of PU47, RAM48t! , stores each building data.

And this main control unit 41#i other units 42~
46'kitil starve.

Other units 42 to 46a are lost, and Slag CPU5
! , ROM 6B, RAM 54, and ink face 65, each ROM 5B stores an execution program for the CPU 52, the RAM 54#'i stores various data, and each ink face 55 is connected to the screwdriver@@anyt41.

panel! l! The 1111i+ unit 42 is connected to five customer service panel brake units, a monitor panel control unit 58, and a customer service panel control unit 671i with each key 28 to 27, 82, 8.
8. Human power such as transaction type input in s9, black 1f4Ii@, transfer destination designation, payment amount, value, cancellation, safe operation, call for staff, door opening, etc. - each building in processing 2 display!
! ,! 8. 84 display We are doing our best to control the bladder.

Elegant Tabernal i[I#*58 performs input control processing for the mode switch and set butane and automatic transaction mode setting switch (φ deviation is also not shown).

The bill discriminating unit 48 has a bill discriminating unit 59 and a bill storage unit @O, and the bill discriminating unit 59 discriminates whether the bills inserted into the bill slot 29 for deposit are genuine or not. The amount of money is counted, and the 60 banknotes inserted are stored after the above-mentioned discrimination process.

The passbook printing unit 44 includes a passbook reading unit 61 and a passbook printing unit 6.
2. Equipped with a journal printing section 68i, the passbook reading s61 has a passbook insertion slot 87Kg, and the passbook data necessary for a passbook such as the strike number, account number, front, etc. recorded on the magnetic stripe provided on the display part of the passbook. Read. The passbook printing s62 prints transaction data indicating transaction details on the print page of the passbook. The journal printing unit 68 prints transaction data showing transaction details on journal paper.

The slip issuing unit 45 includes a card reader s64 and a slip printing section 65, and the card reader 64 has a card slot 85.
After reading the necessary card data such as bank number, account number, etc. recorded on the magnetic disk of the card inserted into the card, the updated data is recorded on the card. The slip printing bill discharging unit 46 is a bill Kantabe 66.
and, at the time of payment, a banknote corresponding to the amount to be paid.
Figure 8 shows the recording of the card's magnetic stripe Klk. Show this record for! It is divided into a bank transaction data field 70 and a transaction specification data field 71.

Fi bank number in the bank transaction data field 70 mentioned above;
Data necessary for customers to transact with the bank, such as account number, is recorded, and transaction specification data field 1K11
Transaction designation data that specifies the i-transaction type and information attached to the transaction
The data will be recorded.

O transaction specification data field mentioned above? This field 71 contains transaction type area 72, money area 7, and transfer destination area 7.
4 is provided - 1 each for the above-mentioned O transaction channel separate areas 72Fi [0 transactions, i.e. deposits, payments, transfers, bookkeeping, etc.] and a
Record the coded code t4 such as high inquiry, amount area 7
8 records the amounts of deposits, payments, and transfers, and records the number J8 of the transfer destination in the transfer destination area 74a.

For transfers to Europe, the recipient's bank number and account number are used, but since the number of individual transfer recipients is small, this is coded, the code is recorded, and the coded bank number and account number of the recipient are used. The number is stored in the center's center 7 isle.

For example, if the transaction type is a deposit, and it is a savings deposit in which fixed @ is regularly deposited, the code indicating the deposit is recorded in the area 72, and the entire amount is recorded in the area 78. Also, if you want to transfer money, please transfer it to area 72 [
In area 78, the transfer amount value t% is recorded, and in area 74, the code 'i' of the transfer destination is recorded.

Recording of transaction designation data in the transaction designation data field 71 described above is performed by Maroguchi's encoder.

Figure 4 Record 7 composed of magnetic stripes in the #'i thicket
This recording mat is also divided into a bank transaction data field 75 and a transaction designation data field 76, similar to the aforementioned card.

bank transaction data field 76Ktj bank number, as described above;
Data necessary for customers to transact with the bank, such as account number, item, and balance) and data necessary for processing transactions are recorded. Data associated with transactions is recorded.

'tk In the transaction specification data field 76 mentioned above, there is a mineral transaction type area 77, an amount area 78, and a transfer destination area 9.
are set, but the data recorded in these areas is the transaction specification data field 7 set on the card mentioned above.
Since each of the areas 72 to 74 of 1 is the same, the details thereof will be omitted.

Recording of transaction designation data in the transaction designation data field 76 is performed by an encoder at the counter, as in the case of the card described above.

As mentioned above, the automatic transaction mode @go, which is a hobby that is explained by referring to the operation flowchart of the IIM automatic transaction processing device 200 transaction lIh Hayabusa, allows various transactions by card,
There are many types of transactions using passbooks, and there are two types of transactions using cards and Korean passbooks: regular transactions that the customer performs by selecting a transaction type, and automatic transactions based on transaction specification data recorded on the card or company passbook. , this own IJ [in case of X pull#'
This is executed by setting the i-device 20 to automatic transaction mode.

In FIG. 5, the panel controller #4 controls the customer service panel #67tm in step 1, and the operation procedure display 2
2 indicates the insertion of a passbook or a card, and in the next steps 2 and 3 it is determined whether the passbook or card is inserted.

The above determination is made depending on whether the unit) 440 bankbook reading section 61 or the card reader s64 of the unit 45 has taken bankbook data or card data tm.

When a customer makes a transaction using a card, the customer inserts the card into the card slot 85, and when making a transaction using a passbook, the customer inserts the card into the card slot
Insert into all 8 passbook insertion slots.

When insertion of the card is determined in step 8 described above, the card reader 64 of the unit 45 reads the card data in step 4, and this card data is stored in a predetermined area of RAM&4.

Panel control unit 42t; At step 5, it is determined whether the automatic transaction mode is set.

That is, when performing an automatic transaction, the device k2G is set to an automatic transaction mode by the panel control unit 58.

By this setting, an automatic transaction mode setting flag is set in the RAM 54 of the unit 42.

- If the above-mentioned 11.1 transaction mode is not set, a normal transaction is carried out in routine 2S as a normal transaction.

When the above-mentioned automatic transaction mode is set, the slip is issued JL! The card 4b reads out the card data stored in the RAM 54, and determines whether or not there is specific data for the transaction and whether or not the transaction is successful.

When it is determined in step 6 that the transaction specification data is a deposit (receipt) transaction, routine 5S executes automatic deposit transaction II.
& process, and in step 7, the collection department specified data is paid (
If it is determined that the transaction is a transfer (withdrawal), routine 6S performs automatic payment and withdrawal processing, and if step 8 determines that the transaction designation data is a transfer transaction, routine DS performs an automatic transfer transaction. When it is determined in step 8 that there is no transaction designation data, normal transaction processing is performed in tt routine 2S.

On the other hand, when it is determined in step 2 of the supplementary statement that the passbook has been inserted,
In step 9, the passbook reading unit 44 reads the passbook data. What is this passbook data? It is stored in a predetermined area of AM54.

Panel faTh unit 42#i determines whether automatic transaction mode is set in step 1G.

In other words, when performing automatic trading, the monitor panel l! The automatic transaction 1 mode is set in iIl#s68, and the automatic transaction mode 7 lag is set in the RAM 64 of the unit 42.

If the above-mentioned automatic transaction mode is not set, normal transaction processing is performed in routine 8S as an energized transaction.

When the automatic transaction mode described above is set, the card data stored in the passbook printing unit 44a RAM 64 is successively output to determine the presence or absence of transaction designation data and the transaction type.

In step 11, when it is determined that the transaction is a transaction with transaction designation data t: deposit (deposit), automatic deposit transaction processing is performed in routine 4S, and in step 11, it is determined that there is no transaction designation data. At this time, normal transaction processing is performed at 1 Sequence 8S.

The blank space in Figure 6 below shows a normal transaction using a card. If transaction designation data is not recorded on the card or automatic transaction mode is not set, the operating procedure display 22 will instruct the selection of a transaction in step 90. The customer presses the desired transaction key 26 based on the display.

If it is determined in step 91 that the transaction key 23 has been pressed, it is determined in the next step what kind of transaction it is.

That is, if it is determined in step 92 that the transaction is a deposit (deposit), a deposit process is performed in step 97. This process is an ongoing deposit transaction process that the customer operates according to the display on the operating procedure display 22, including inserting banknotes, counting the amount, displaying the amount, confirming the amount, updating the balance, issuing a slip, and returning the card. The deposit transaction using the card is ended 21 by performing predetermined processing such as the following.

If it is determined in step 93 that the transaction is a payment (withdrawal), a withdrawal process is performed in step 98.

This process is also similar to that described above, when the customer uses the operation procedure display 22
Normal payment transaction processing that operates according to the display, including entering the customer's personal identification number**, inputting the amount requested, displaying the amount, confirming the amount, updating the balance, discharging banknotes, issuing slips, By performing predetermined processes such as returning the card and terminating these processes, the payment transaction using the card is terminated 21.

If it is determined in step 94 that the transaction is a payment (withdrawal) transaction that also uses a passbook, a withdrawal process is performed in step 99. Similar to the above, this process is a normal payment transaction process operated by the user, including the customer's personal verification, passbook insertion, manual payment request amount, amount display, amount confirmation, balance update, bill release, and passbook. By performing predetermined processing such as printing and returning the passbook card, and completing these processings, the payment transaction using the card and passbook is completed 2I.

If it is determined in step 95 that the transaction is a transfer, transfer processing is performed in step 100. Similar to the above, this process is a normal transfer transaction process operated by the customer, including customer personal verification, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, slip issuance, card return, etc. By performing predetermined processing and terminating these processing, the transfer transaction by card is completed 21H.

If it is determined in step 96 that the transaction is a transfer using a passbook, transfer processing is performed in step 101.
Similar to the above, this process is a normal transfer transaction process operated by the user, including customer personal verification, passbook insertion, transfer destination input, transfer amount input, amount display, balance update, passbook printing, and passbook card. By performing predetermined processing such as return and terminating these processing, the transfer transaction by card or passbook is completed 2I.

FIG. 7 shows a normal transaction using a passbook. If no transaction specification data is recorded in the passbook, or if the automatic transaction mode is not set, the operation procedure display @ 22 will prompt you to select a transaction in step 102. , the customer presses the desired transaction key 23 based on the display.

If it is determined in step 103 that the transaction key 23 has been pressed, it is determined in the next step what kind of transaction it is.

That is, if it is determined in step 104 that the transaction is a deposit (deposit), a deposit process is performed in step 107.

This process is a normal deposit transaction process that the customer operates according to the display on the operation procedure display 22, including inserting deposit banknotes, counting the amount, displaying the amount, confirming the amount, updating the balance, printing the bankbook, and printing the bankbook. By performing predetermined processing such as return, etc., and terminating these processing, the deposit transaction using the passbook is completed (3).

If it is determined in step 105 that the transaction is a payment (withdrawal) transaction using a card, a withdrawal process is performed in step 108. Similar to the above, this process is a normal withdrawal process operated by the user, including the customer's personal verification, card insertion, input of billed amount, amount display, amount confirmation, balance update, etc.
By performing predetermined processes such as discharging banknotes, printing a bankbook, and returning the bankbook card, and completing these processes, the payment transaction using the bankbook card in combination is terminated.

If it is determined in step 106 that the transaction is a transfer using a card, transfer processing is performed in step 109. Similar to the above, this process is a normal transfer process operated by the customer, including customer personal verification, card insertion, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, passbook printing, rRj By performing predetermined processing such as returning the passbook card and completing all of these processes, the transaction including () and f in which the passbook card is used together is terminated 31.

FIG. 8 shows automatic transactions using a passbook. When the transaction designation data of a deposit transaction is recorded in the passbook and the automatic transaction mode is set, in step 110, the customer service panel control unit 57
controls the operating procedure display @22 and displays an instruction to insert cash.

The customer inserts a banknote into the banknote slot 29 with the shutter 31 open, and when the banknote is inserted, the banknote discriminator 59
takes in the bills one by one from the bill slot 29 and determines the authenticity.
The denomination is determined and the denomination data is stored in the RAM 5 of the unit 43.
4 and the fetched banknotes are stored in the banknote storage section 60.

When it is determined in step 111 that the store of cash has been completed, the input amount is displayed on the amount display 28, and the operation procedure display 22
will prompt you to confirm the amount.

The customer presses the confirmation key 26 after ordering the display gold, and if this press is determined in step 11'5, communication with the center is performed in step 114.

That is, the main control unit 41 is the passbook printing unit 44.
The banknote discrimination unit 43 reads the passbook data from the
The deductible amount data is read from the data center, and the passbook data and deposit amount data are transmitted to the center.

The center searches the center file based on the account number in the passbook data, updates the 8 files, and transmits the balance to the terminal.

In step 115, the slip issuing unit 45 organizes the details of the deposit transaction based on the new balance and passbook data, prints the deposit transaction processing on the slip by the slip printing section 65, and issues the slip.

Further, in step 116, the passbook printing unit 44 generates deposit transaction print data based on the new balance and sends it to the passbook printing unit 62.
to print on the passbook - When these prints are completed, in step 117, the operating procedure display 1122 displays an instruction to remove the passbook, and the passbook is returned to the passbook insertion slot 57.

When the customer pulls out the passbook and it is determined in step 118 that the passbook has been extracted, the operator extracts the slip in step 119, and when it is determined in step 120 that the slip has been extracted, the main control controller 41 controls each unit. Reset 42 to 44 to the initial state and end automatic deposit transactions using the passbook 4
Do x.

FIG. 9 shows an automatic transaction for depositing money by card. When the transaction designation data for a deposit transaction is written on the card and the automatic transaction mode is set, in step 121, the operating procedure display 22 indicates the insertion of cash. Display instructions.

When a customer inserts deposited banknotes into the banknote slot 29, the banknote discriminator 59 takes in the banknotes one by one from the banknote slot 29, determines the authenticity and denomination, and stores the amount data in the unit 4.
The banknotes stored in the IIAM 54 of No. 3 and taken in are stored in the banknote storage section 6o.

At step 122, when it is determined that the cash store is complete,
Amount display a28 displays the input amount, and operation procedure display 2
2 indicates the amount of money.

After confirming the displayed amount, the customer presses the @ confirmation key 26,
If this press is determined in step 124, step 1
At 25, center communication is performed.

That is, the main control unit 41 is a slip issuing unit)4.
The card data is read from 5, and the banknote discrimination unit 4
3, and transmits the card data and deposit amount data to the center.

The center searches the center file based on the account number in the card data, updates the balance, and transmits the new balance to the terminal.

In step 126, the slip issuing unit 45 organizes the deposit transaction printing data based on the new balance and prints the slip ts65.
At step 127, the slip is printed and issued, and the operating procedure display 22 displays an instruction to remove the card, and the card is returned to the card insertion slot 37.

The patron removes the card and it is ejected into force 66 at step 128.

When the customer picks out the slip and it is determined in step 130 that the slip has been taken out, the main controller 41 controls each unit 42,
45.45 is set to 9 in the initial state, and the automatic deposit transaction by card is terminated (51).

FIG. 10 shows an automatic transaction for withdrawal using a card. When transaction instruction data for a payment transaction is written on the card and the automatic transaction mode is set, the slip execution unit 45 performs a transaction using the card data read from the card. Step 131: Check whether the specified data includes data that uses a passbook.
If the O card data determined in step 1 does not include data for use with a passbook, the process is skipped to step 134.
If the above data is recorded, step 132
Then, the operation procedure display 22 displays an instruction to insert a transition.

The customer inserts the passbook into the passbook insertion slot 37, and in step 13
When it is determined in step 5 that the checkbook has been inserted, the customer's personal verification is then performed.

That is, in step 134, the operation procedure display 22 displays an instruction to input a password.

The customer inputs the password using the numeric keypad 24, and if it is determined in step 135 that the password has been input, it is determined in the next step 136 whether the passwords match.

ttxb Then, the panel control unit 42 reads the PIN number of the card data stored in the slip issuing unit 45 and compares it with the input PIN number.

If the results of the comparison do not match, the process returns to step 134 where the user is instructed to re-enter the password, and if they match, the customer's personal verification is approved.

In step 137, when the slip issuing unit 45 determines that the amount data for payment is routinely recorded in the transaction specification data of the read card data, the process is skipped to step 140, but the amount data is not recorded. If not, it will be input by the customer.

That is, in step 1!1B, the operation procedure display 22 displays an instruction to input the amount.

The customer inputs the amount to be paid using the numeric keypad 24 and the amount unit key 25. If it is determined in step 139 that this input has been completed, the amount display 28 is displayed in step 140.
displays the entered billing amount or the read amount data, and the operation procedure display 22 displays an instruction to confirm the amount.

The customer confirms the displayed amount and presses the confirmation key 26.
When this press is determined in step 141, step 1
At 42, center communication is performed.

That is, the main control unit) 41 is a slip issuing unit 45.
The card data is read out from the panel control unit 42, and billing amount data is continuously output from the panel control unit 42, and these card data and amount data are transmitted to the center.

The center searches the center file based on the account number in the card data, updates the deposit balance, and transmits the new balance to the terminal.

In step 143, the voucher issuing unit 45 organizes the payment transaction printing data based on the new balance and the voucher printing unit 6
Step 2: Print and issue the slip.

Furthermore, the banknote dispensing unit 46 dispenses banknotes at a paper percentage discharging section 66 based on the amount data of the payment request.

In step 144, it is determined whether the transaction is a combination of a passbook, and if the transaction is a card only transaction, the process is skipped to step 148.
When a passbook is used together, the passbook printing unit 44 compiles payment transaction printing data based on the new balance and payment request data, and the passbook printing unit 62 prints it on the passbook.

At step 146, the operation procedure display 22 displays an instruction to remove the bankbook, and the bankbook is returned to the bankbook insertion slot 37.

When the customer pulls out the passbook and it is determined in step 147 that the passbook is connected, in step 148 the operation procedure display l12
2 displays an instruction to remove the card, and the card is returned to the card insertion slot 35.

When the customer takes out the card and it is determined in step 149 that the card has been taken out, in step 150 the customer takes out banknotes and slips, and when it is determined in step 151 that the card has been taken out, the main control unit 41 controls each unit 42 to 46 to the initial state and terminate the automatic card payment transaction 6x.

FIG. 11 shows an automatic transfer transaction using a card. When transaction designation data for a transfer transaction is written on the card and the automatic transaction mode is set, the transfer issuing unit 45
In step 1, check whether data for using a passbook is recorded in the transaction specification data of the card data read from the card.
52 is determined.

If the card data does not include data for use with a passbook, the process is skipped to step 155, but if the card data is used together with a passbook, the operating procedure display 22 displays an instruction to insert a passbook.

The customer inserts the passbook into the passbook insertion slot 37, and in step 1
When it is determined in step 54 that the passbook has been inserted, the customer's personal verification is then performed. This password is stored in the RAM 54 of the Hapanel control unit 42.

When it is determined in step 156 that the PIN has been input,
In the next step 157, it is determined whether the password numbers match.

That is, the panel control unit 42 reads the password of the card data from the slip issuing unit 45 and compares it with the input password.

As a result of the comparison, if there is a mismatch, the user is returned to the station 155 and instructed to re-enter the password, and if they match, the customer's personal verification is permitted.

In step 158, it is determined whether the transfer amount data is recorded in the transaction specification data of the card data read by the slip issuing unit 45G1, and if the amount data is fixedly recorded, the process is skipped to step 161. However, if the amount data is not recorded, the customer inputs the amount. manually and step 16
If it is determined that this input has been completed with 0, in step 161,
The slip issuing unit 45 determines whether transfer destination data is recorded in the transaction specification data of the read card data, and if the transfer destination data is fixedly recorded, the process is skipped to step 164; If the data is not recorded, it will be input by the customer.

In step 162, the operation procedure display 22 displays an instruction to input the transfer destination, and the customer inputs the bank number and account number of the transfer destination using the numeric keypad 24, and when it is determined in step 163 that the input has been completed, the customer returns to the center. Communication of inquiries is carried out.

That is, the main control unit 41 is the panel control unit 4
The transfer destination data is read from 2 and transmitted to the center, and the presence or absence of the transfer destination and the presence or absence of a transfer fee are determined in time.

The center checks whether there is a transfer destination, and if a fee has been set, transmits data such as the fee to the terminal.

When transfer is possible, the amount is displayed in step 165 N28
displays the inputted transfer amount or the read transfer amount, and the operation procedure display 22 instructs and displays the amount atg.

The customer presses the confirmation key 26 after confirming the display and the displayed amount, and if this press is determined at step 166, then communication with the center is performed at step 167.

That is, the main control unit 41 controls the slip issuing unit 45.
The card data is read from the card and transmitted to the center.

The center searches the center file based on the account number in the card data, debits the transferred amount and fees from the deposit balance, and transmits the new balance to the terminal.

In step 168, the slip issuing unit 45 compiles transfer transaction printing data based on the new balance, the amount to be transferred, etc., and prints and issues the slip on the slip by the slip printing section 62.

In step 169, it is determined whether the transfer transaction is a transfer transaction in combination with a passbook, and if the transaction is a card-only transaction, the process is skipped to step 173, but if the transaction is in combination with a passbook, the passbook printing unit 44 prints the transfer transaction print data based on the new balance and transfer data. The bankbook printing unit 62 prints on bankbooks, and the journal printing unit 66 prints on journal paper.

In step 171, the operating procedure display 22 displays an instruction to remove the passbook, and the passbook is returned to the passbook insertion slot 37.

When the customer removes the passbook and it is determined in step 172 that the passbook has been removed, the operating procedure display 22 displays an instruction to remove the card and returns the card to the card insertion slot 35 in step 173.

When the customer removes the card and it is determined in step 174 that the card has been removed, the customer removes the slip in step 175 and when it is determined that the slip has been removed in step 176, the main control unit 41 controls each unit 42. .44-,4
5 to the initial state and terminate the automatic card payment transaction 7X.

Although transaction processing such as balance inquiry and bookkeeping is not shown in the above-mentioned embodiment, inquiries are made to the center as appropriate.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention; Fig. 1 is a perspective view of an automatic transaction processing device; Fig. 2 is a block diagram of its configuration; Fig. 3 is an explanatory diagram of a card recording system;
Figure 5 is a flowchart showing the transaction processing of the automatic transaction processing device. Figure 6 is a flowchart showing normal transactions using a card. Figure 7 is a flowchart showing normal transactions using a passbook. Figure 8 is a 70-chart showing automatic deposit transactions using an N-book Figure 9 is a flowchart showing automatic deposit transactions using a card Figure 10 is a 70-chart showing automatic withdrawal transactions using a card Figure 11 is a 70-chart showing automatic payment transactions using a card Indicating transaction/passbook insertion slot, 42-panel control unit, 41-main control unit, 44-passbook printing unit, 45-slip issuing unit, 58-monitor panel control unit, 61-passbook reading unit, 64- Card reader section, 71.76-Transaction specification data field-451- No. 65! i Hit No. 7WJ Figure 8 Figure 9 Figure 1051

Claims (1)

[Claims] 1. An automatic transaction processing device that selects and executes OII microtransaction processing such as deposits, withdrawals, and transfers, which records several types of designation data designating specific transactions on a recording medium, The automatic transaction processing device is designed to be able to set an automatic transaction mode, and when the automatic transaction mode is set, the transaction processing device reads the transaction specification data on the recording medium provided to the device, and executes transaction processing based on the specification. Transaction processing method for automatic transaction processing equipment that executes transactions dynamically.