JPS59114673A - Transaction system - Google Patents

Abstract

PURPOSE:To improve the working efficiency of an automatic money payment/ reception machine by putting an IC card into said money machine after memorizing transaction items into a memory on the card through a personal computer which is set at the home of a customer or at a place near the money payment/ reception machine. CONSTITUTION:An IC card 8 contains a magnetic stripe 11 and an IC chip 9. The chip 9 contains a CPU12 for control, an ROM13 which stores a control program, an RAM14 which stores data and a contact part 15. A coustomer puts own IC card into a personal computer (not shown in the diagram) which is set at own home or at a place near and automatic money payment/reception machine of a banking organ. Thus the type of transaction, the secret number, the payment/reception amount, etc. are fed and stored. Then the IC card is put into the automatic money payment/reception machine to perform a desired transaction. In such a way, the working efficiency is improved for said money machine.

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention relates to a transaction in which a transaction is performed using an automatic transaction device that handles banknotes, such as an automatic teller machine or an automatic teller machine installed in a financial institution, etc. Regarding the method.

[Technical background of the invention and its problems]

In recent years, automated transaction devices such as automated teller machines have been developed and put into practical use to save labor at bank counters.

However, in this type of automatic transaction device, when making a transaction using a card or passbook, the transaction specification is required.

Key information such as deposit/withdrawal amount and PIN number? - It is done manually. Therefore, various operations such as those mentioned above must be performed, and the operation time for transactions increases.
There was a problem that customers were forced to wait during that time. Also,
During this time, automatic transaction machines were not available, resulting in poor operating rates.

[Purpose of the invention]

This invention has been made in view of the above circumstances, and its purpose is to provide a transaction method that can shorten transaction time and improve the operating rate of a transaction device.

[Summary of the invention]

This invention stores transaction data in the memory of the IC chip on the IC card using a data input machine, and inserts the IC card in which the transaction information is stored, thereby transacting the transaction data in the memory of the IC chip in the IC card. The transaction data is read by the device, and the transaction device processes the transaction using the read transaction data.

[Embodiments of the invention]

An embodiment of the present invention will be described below with reference to the drawings.

1 and 2 show the structure of a data input device, such as an IE-Sonal computer 17. 1 is the CPU (Central Processing Unit) that controls the whole, 2 is the key for inputting data, and 3 is the CR
4 is a ROM (Read-Off Memory) in which a control program is stored; 5 is a RAM (Random Access Memory) in which data is stored;
6 is a dot printer that outputs various print data; 7
is the I on the IC card 8 inserted from the card insertion slot 16.
This is an IC card reading/writing unit that reads data from the memory in the C chip or writes data into the memory. The IC card 8 is provided with a magnetic stripe section 1 and an IC chip 9, as shown in FIG. The above IC
As shown in FIG. 4, the chip 9 includes a control CPU 12,
It is composed of a ROM 13 for storing control programs, a RAM 14 for storing data, and a contact section 15. The RAM 14 stores transaction data such as a personal identification number, transaction type, deposit amount, and withdrawal amount. The /9-sonal computer 17 is installed in a customer's home or near an automatic deposit machine at a financial institution.

FIG. 5 shows an automatic deposit machine 20 as an automatic currency transaction device. That is, a customer service section 22 is formed on the front side of the housing 21.

The customer service section 22 has a horizontal operation panel 22a formed at approximately the center in the vertical direction of the housing 1, and a vertical operation panel 22b rising along the rear edge of the horizontal operation panel 22a. .

The above horizontal operation panel 22m has a deposit port 23, which also serves as a return port, and C.
The RT display section 24 and the keyboard 5゜6 are also provided on the vertical operation panel 22b, as well as a card insertion slot 27 and a slip output port 28.
, passbook insertion slot 29, envelope insertion slot 30, and cash withdrawal slot 3
1 are placed respectively.

Also, inside the housing 1, there is a card reading device 32 for reading information on an ID card inserted through the card insertion slot 27, and a slip sending out port 28 for sending a slip with transaction details printed thereon as needed.
A unit incorporating a slip issuing device (not shown) for issuing a slip, a passbook reading/printing device (not shown) for detecting the printing status of a passbook inserted from the passbook insertion slot 29 and recording transaction details in the passbook, and an envelope. An envelope processing device (not shown) that adds predetermined printing to envelopes inserted through the insertion slot 30 and takes them in; a deposit mechanism (not shown) that performs deposit processing for banknotes P inserted into the deposit slot 23; A dispensing mechanism (not shown) for dispensing banknotes P of a specified amount is housed in the cash dispensing port 31.

FIG. 6 shows the card reading device 32. As shown in FIG. In other words, the card (IC) inserted into the card insertion slot zv75h
A transport/base 34 for transporting cards (cards or cash cards) is provided.

The transport A space 34 is provided with a plurality of pairs of rotatable transport rollers 36, which are positioned so as to sandwich the card from above and below when the card is transported. The pair of conveyance rollers 36 are provided along the conveyance path 34 at equal intervals. The interval provided in the conveying direction of each of these conveying rollers is 7 in one conveying roller 36.
The distance from Us to the center r□ of the adjacent transport rollers 36 has the width dimension in the card transport direction. Therefore, the card can be smoothly moved on the transport nozzle 34. This conveyance nozzle 34 is defined by a conveyance guide 38.

Further, a magnetic head 41 for writing and reading data on the magnetic stripe on the card is disposed on the transport guide 38. Further, the transport guide 38 is provided with an IC chip reading section 42 for reading data on the IC chip 9 on the IC card 8. This IC chip reading section 42 reads the contents of the RAM 14 in the IC chip 9 by electrically connecting with the contact section 15 of the ICC tick.

FIG. 7 schematically shows the electric circuit.

That is, the main control section 50 controls the entire system.

The main memory 51 is composed of, for example, a ROM (read only memory), and is configured to store control programs and the like. The main control unit 50 responds to signals from the keyboards 25 and 26, signals from the card reading device 32, signals from the deposit mechanism 52, signals from the withdrawal mechanism 53, and various signals from the passbook reading/printing device 54. The system handles deposits and withdrawals. The main control section 50 performs transaction processing such as depositing or withdrawing money in accordance with read data (transaction data) from the IC chip reading section 42 in the card reading device 32. Further, the main control unit 50 drives a printing mechanism (not shown) in the passbook reading/printing device 54 according to the printing data, and also drives a printing mechanism (not shown) in the passbook reading/printing device 54.
It drives a printing section (not shown) inside the printer. Furthermore, the main control section 50 is configured to perform data transmission with a central processing unit 57 via a modem 56. The central processing unit 57 is comprised of a modem 58 for controlling data transmission, a host computer 59 for controlling data processing, and a transaction information file 60 for storing transaction information.

Next, the operation in such a configuration will be explained. For example, a customer now inserts an IC card 8 into a card insertion slot 16 of a personal computer 17 installed at home or at a financial institution.

Then, the IC card 8 is taken into the card reading/writing section 7 and electrically connected to the contact section 15 of the IC chip 9. Then, enter the υ transaction data on keyboard 2.
Input your PIN number, transaction type, deposit/withdrawal amount, etc. Then, the CPU 1 supplies transaction data from the keyboard 2 to the card reading/writing section 7. With this, the card reading/writing section 7 reads the information contained in the IC chip 9 on the inserted IC card 8.
Output transaction data to PU 12.

Then, the CPU 12 in the IC chip 9 causes the RAM 14 to store the supplied transaction data. Thereafter, the IC card 8 is returned through the card insertion slot 16.

Then, the customer inserts the IC card 8 into a card insertion slot 27 of an automatic deposit machine 20 installed at a financial institution or the like. Then, the IC card 8 is taken into the card reading device 32, and the contact section 15 of the IC chip 9 and the IC chip reading section 42 are electrically connected. This results in
The IC chip reading section 42 uses RAM Z by the CPU 12.
The transaction data read from 4, that is, the password, transaction type, deposit/withdrawal amount, etc., is output to the main control section 50. Then,
The main control unit 50 operates a deposit mechanism 52 according to the transaction data;
It controls the withdrawal mechanism 53 and performs transactions such as deposit processing and withdrawal processing.

As described above, since it is not necessary to manipulate transaction data at the automatic deposit machine, the operational burden on the customer at the automatic deposit machine can be reduced, and the transaction processing speed can be increased. Furthermore, transactions can be easily made even with a motion trading device that is complicated to operate. Furthermore, processing speed can be improved especially during busy times.

In the embodiments described above, an automatic transaction device such as an automatic deposit machine was used as the transaction device, but the present invention is not limited to this, and the present invention can be implemented in the same manner by using a transaction terminal provided at a counter.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide a transaction method that can shorten transaction time and improve the operating rate of a transaction device.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention, and FIG. 1 is a perspective view showing the configuration of a personal converter, FIG. is a plan view showing the structure of the IC card, FIG. 4 is a block diagram showing the general structure of the IC chip, FIGS. 5 and 5 are perspective views of the automatic cash withdrawal device, and FIG. The sectional view and FIG. 7 are block diagrams showing a schematic configuration of the automatic deposit/withdrawal device. 7...IC card reading/writing section, 8...IC card,
9...IC chip, 12...CPU, 13...R
OM. 14...RAM (memory), 15...contact section, 17...personal computer (data input machine), 20...automatic deposit machine (transaction device), 32...
Card reading device, 42... IC chip reading section, 50...
...Main control section. Applicant's representative Patent attorney Takehiko Suzue Figure 1 Figure 2 Figure 3 m4i Figure 5

Claims (1)

[Claims] A storage means for storing transaction data in the memory of the IC chip on the IC card using a data input machine;
Fi, I by inserting an IC card that stores transaction data.
A transaction method comprising: a transaction device that reads transaction data from a memory of an IC chip in a C card, and causes the transaction device to process the transaction using the read transaction data.