JPS59151281A - Transaction processor - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of the Invention The present invention relates to transaction processing devices, such as automatic teller machines and cash dispensers, for conducting transactions directly with a customer using a transaction medium.

Conventional technology and its problems In conventional transaction processing devices such as automatic teller machines and cash dispensing machines, customers face the operation surface or transaction media input/output port provided on the front of the device and follow the operation instructions. Transactions were conducted by operating these devices according to the instructions provided. However, transaction processing devices do not allow cash carts, bankbooks, etc.
Although it is composed of many functional blocks for the input and output of various trading media, there are many functional blocks that are not actually used during trading. However, once one customer monopolized the customer service area of the transaction processing device, other customers were unable to use the transaction processing device even though there were unused flocks. There was a problem in that the usage efficiency of the 7-kome device was poor, and when there were many users, a long waiting time was required, causing inconvenience to customers.

Purpose of the Invention The present invention has been made in view of the drawbacks of the conventional transaction processing devices, and is
: The purpose of the present invention is to provide a transaction processing device that enables efficient operation by separating the operating surfaces for returning and discharging a transaction medium.

Structure and Effects of the Invention The present invention is a transaction processing device that performs transaction processing including deposits and withdrawals using a predetermined transaction medium according to the type of transaction, and includes an input medium insertion slot and a transaction input 1 corresponding to each transaction. A first tM 1' having a stage and an operation guide means, and a dormitory T stage having a discharge port and a discharge guide for the output transaction medium;
a second operation surface provided on a side different from the first operation surface;
The present invention is characterized by comprising a customer guide stage for guiding a customer who has performed a transaction operation with a predetermined media person from the first operation screen to the second operation screen.

According to the present invention having such features, there is an advantage that transactions can be smoothly performed because the operation surface at the time of starting a transaction and the discharge surface of the inserted transaction medium or discharge medium are separated. Therefore, even if there are many customers using the device, the waiting time is short and transactions can be carried out without congestion. On the other hand, for financial institutions, it is possible not only to increase the operating efficiency of automatic teller machines and cash dispensing machines, but also to improve customer service.

DESCRIPTION OF THE EMBODIMENTS FIGS. 1 and 2 are front and rear external views of an embodiment of the automatic teller machine of the present invention, respectively.

In FIG. 1, a handling display 2 indicating the cart handling status is provided on the right side of the vertical operation surface of an automatic teller machine (hereinafter referred to as ΔTM) 1, and a customer's secret number is shown below. An insertion slot 3 and an insertion indicator 4 are provided for a magnetic card in which information such as the following information is magnetically recorded. Further, on the left side of the operation surface, a handling indicator 5 is provided to indicate the passbook handling status, and below it, a passbook insertion slot 6 and an insertion indicator 7 are provided. A cathode ray tube display device (hereinafter referred to as CRT) 8 is arranged in the center of the vertical operation surface to display operation guidance for the customer. The CRT 8 is divided into two areas, left and right, with the right half for card transactions and the left half for passbook transactions. On the left and right sides of the CRT 8 are function keys 9 for inputting the type of transaction, type of amount, etc., respectively.
, 10 are provided, and a numeric keypad ]l for inputting numbers is arranged below them. 1.2. ], 3 are an attendant key for calling an attendant and a cancellation key, respectively. The horizontal operation surface protruding in front of the ATMI is equipped with a shutter for a bill insertion slot 14 into which banknotes are inserted, and on the left and right sides there are instructions for inserting banknotes, 1f
Displays 15 and 16 for return guidance are provided. Furthermore, on the right side of △"FMl, there are a car (indicators 17a and 17b for guiding and guiding traders, and a gate for sorting customers in the center) 8 and customers on both sides. A detector 19.20 is provided for detecting the passage of.

2 is an external view of the ATMI of the second box, viewed from an opposite view to that of FIG. 1. FIG. In this figure, a handling display 30 indicating the passbook handling status is provided on the right side of the vertical panel surface of the ATMI, and a passbook receiving slot 31 and a receiving indicator 32 are provided below it.
is provided. Further, on the left side of the operation surface, there is provided a handling display 33 that indicates the card handling status, and below it there is a cart return port 34 for returning the cart inserted by the customer, and a return indicator 3.
5 is provided. In the center of the vertical operation surface is a rotary operation guidance display 36 that displays operation guidance for the customer.
is placed. A cash dispensing port 37 is provided below the operation guide display 36 for discharging banknotes and transaction slips to be dispensed. There are bill receiving indicators 3 on the left and right sides of the cash dispensing port 37, respectively.
8 and an attendant call key 39 are provided. Also, on the part protruding from the back of the ATMI, there is a detector 40 for detecting customers.
41 are provided on the left and right. Furthermore, on the side of the ATMI shown in FIG. 2, there is a guide indicator 42a for guiding the III book transactor.

42b is provided, and a gate 43 for sorting customers is provided in the center, and detectors 44 and 45 for detecting passage of customers are provided on both sides of the gate 43 for sorting customers.

Figure 3 shows a top view of this ATMI, with the lower side being the front side of the ATMI shown in Figure 1 and the operation surface used when starting a transaction, and the lower side being the back side of the ATMI shown in Figure 2. indicates the release side of the transaction medium, etc. As already mentioned, there are gates 18 on the left and right sides for customer sorting.
43 is provided, and detectors 19.20 and 44.45 are provided before and after it, respectively. Gate 18.43 is for prohibiting and allowing N customers to proceed to the operation surface for displaying the number of transaction media on the back side. It is assumed that it opens and closes as shown by solid lines and broken lines in FIG.

FIG. 4 is a block diagram showing the overall configuration of this ATMI. This ATMI is the main processing unit (hereinafter referred to as master C).
r t, J) 50 is constituted by a master/slave system that controls a large number of slave CPUs (hereinafter referred to as slave CPUs) 51 to 56 via a lot line. Master CPU 50 and slave CPU 51
- 56 are connected to devices A and A, each consisting of a G-1 only memory for storing each transaction program in advance and a random access memory for temporarily storing various data. Each of the slave CPUs 51 to 56 has a banknote discharging machine 57 for discharging banknotes. Bill checker 5'8. Checks deposited banknotes. 5 slip issuing machines, a cart reader 601, a bankbook printing machine 61, a key fob key manual device 6
2 and CRT display device] This controls the 4° operation guide display device 3G. In addition, a detector 19, 20, 41 for detecting a customer in a card transaction and a detector 44, 45, 40 for detecting a customer in a passbook transaction are connected as input devices to the slave CPU 56, and the 8 customers for car transactions are sorted. ]-
18, and a gate control device 64 that controls the gate 43 that organizes customers for bankbook transactions.
Further, a customer service device 65 for cart transactions and a customer service device 66 for 3JfI customer service are connected. Also, is there a transmission system for Hass Line? An al device 67 is connected to perform data transmission with a center (not shown).

Next, the operation of the ATV of this embodiment will be explained.

FIG. 5 is a flowchart showing the operation.

In this figure, when a customer starts a transaction, the customer first starts the operation from the front operation screen shown in FIG.

When a customer makes a card transaction, the customer faces the customer service side of the transaction operation fllll+ of the device as shown by the arrow AO in FIG. 3, and inputs the cart transaction selection using the function key 9. Then, F& the loop of step 100 and step 10
Proceed to step 1 and wait for selection of transaction type (step 10)
1-103). If the selected transaction is a transaction using car 1-, that is, payment, deposit, or balance inquiry h3, idle return processing is performed (routine IO/I) and the process returns to step Eoo. If so, in step 105, the timer is started 1-sa-Q, and the cart insertion indicator 4 is turned on until the time is over (step 106,
107). If the cart is inserted, the process proceeds to routine 109 via step 108, prompts the customer to perform transaction operations appropriate to each transaction, and then processes the transaction accordingly.

Then, when the customer's transaction manual operation is completed, in routine 110, the ATMI is moved to the medium receiving side. I will guide you up. If the time is over in step 106, εJ
The car 1 insertion indicator 4 is turned off via the step 7 block 111 and the process returns to routine +04.

On the other hand, when a passbook transaction is performed, arrow B is also shown in Figure 3.
When the customer goes to the customer service area on the transaction operation side of the device and selects a passbook transaction, as indicated by O, the process goes through steps 112 one by one (J) and proceeds to step 113, where it waits for the selection of the transaction type (steps 113- 115).If the transaction selection is not a transaction using a passbook, that is, payment, deposit, or bookkeeping, an idle return process is performed (routine 116) and the process returns to step 112. Otherwise, step 7 is executed. At step 117, the train is started, and the JM book insertion indicator 7 is turned on until the time is over (step 118, 1).
19). If the bankbook has been inserted, the process proceeds to routine 121 via step +20, where the customer is prompted to carry out an operation appropriate to each transaction, and the transaction is processed accordingly. Then, in transaction input (routine when nesting is completed) 22, the customer is guided to pass through the left side of this ATM I and move to the media receiving side.If the time is over in step 118, step 123 is executed. Then, the passbook insertion indicator 7 is turned off and the process returns to the routine 116.

It is assumed that the above-mentioned cart transaction and passbook transaction operations are processed in parallel.

Next, a processing routine for guiding the customer to the receiving side of the transaction medium will be explained using flow chart 1-1 in FIGS. 6 and 7. When the operation processing for various transactions shown in FIG. 5 is completed, it is first checked in step 130 whether or not the transaction is a card transaction. In the case of car 1-transaction, game 1-18 on the card transaction side is closed and a timer is started (step 13L132). Then, the 1 indicator 17a is turned on until the time is over, and the detector 19
It is checked whether a customer has been detected at the time and whether the transaction procedure with the center has been completed (steps 133-
136). When these detections are completed, the timer is cleared 7 (step 137), and the indicator 17a is turned off.

Next, check whether there is a transaction medium in the cash dispensing port 37 on the back of the ATMI, and only if there is, proceed to step 14.
Proceed to 0 and open game)~]8. Then, the transaction medium to be released to the current customer is conveyed to the cash dispensing port 37, the indicator 17b is turned on (step 142), and the transaction medium to be released to the customer C2 is instructed to pass to the second dispensing side panel as shown by the broken line A1 in FIG. prompt. At the same time, the customer service operation screen for transaction operations shown in Fig.
3) Wait for the customer to pass by using the side detector 20 (step 144). When the passage of a customer is detected, the gate 18 is closed to prevent other customers from going around to the medium discharge side (step 145). A check is made to see if the customer has reached the detector 41 on the back side (Steps 146, 147), and the input medium and discharge medium are transported to their respective receiving ports (Step 148). When a customer arrives, the operation guidance display 36 prompts the customer to receive the cart, and the cart reception indicator 35 lights up (step 1).
49,150,151>.

Furthermore, in the case of a withdrawal transaction, the indicator 38 for receiving banknotes is turned on, and in step 153 it is checked whether the customer has taken out the input medium, banknotes, and statement slip. When these are removed, the indicators 35 and 38 are turned off (steps 154 and 155), and the process ends. After completing the transaction, the customer heads towards the exit as shown by arrow A2 in Figure 3.
There is no way to return to the ATMI front operation screen. Therefore AT
The flow of customers to the MI operating position will be smooth. However, if the time is over in step 133 or the detector 20 is not turned on in step 147, the process jumps to step 160 and checks whether the take exchange with the center has been completed, and if not, input The medium is returned to the customer and the device is returned to its initial state, and if this is completed, the staff is called and the staff returns the medium (routines 161 and 162).

On the other hand, if it is determined in step 130 that the transaction is not a cart transaction, it is determined in step 170 whether or not it is a passbook transaction, as shown in FIG. In this case, the case 1-43 on the bankbook transaction side is closed and the timer is started (step 17L172>), and the 1 indicator 42a is lit until the time is over, and the detector 44 detects the customer. Check whether it has been detected and whether the transaction procedure with the center has been completed (step 17).
3-176). When these detections are completed, the timer is cleared (step 177), and the indicator 42a is turned off.

Next, check whether there is a transaction medium in the cash dispensing port 37 on the back of the ATM, and only if there is, proceed to step 18.
Proceed to 0 and open gate 43. Then, the transaction medium to be released to the current customer is transferred to the cash dispensing unit [137], the indicator 42b is turned on (step 182), and the transaction medium is transferred to the cash dispensing unit 137, and the indicator 42b is turned on (step 182).
] Encourage the customer to pass to the discharge side panel as shown. At the same time, the customer service operation screen for transaction operations shown in Figure 1 is carefully moved to enable transactions with the next customer] E13
), by the side detector 45! It waits for n customers to pass (step 184). When the passage of a customer is detected, the gate 43 is closed to prevent other customers from entering the medium discharge side (step 185). Furthermore, it is checked whether the customer passes through the detector 45 provided on the side of the ATMI and reaches the detector 40 on the back of the ATMI. Receive and transport n6 pieces. When the customer comes, the operation guide display 36 prompts the customer to receive the passbook, and the indicator 32 for receiving the 1ffJ book lights up (Step 1B9, 190, 1
91). Furthermore, in the case of a withdrawal transaction, the indicator 38 for receiving banknotes is turned on, and in step 1936, it is checked whether the customer has removed the input medium, banknotes, and statement slip. When these are removed, the indicators 35 and 38 are turned off (steel knobs 19/1, 195) and the process is completed.

As described above, in the present invention, each block of the ATM is effectively used and processing efficiency is improved by separating the operation surface at the start of transaction operation and the medium return surface after transaction processing.

In this embodiment, the automatic teller machine has been explained.
Needless to say, the present invention can be applied to devices in which customers directly conduct various transactions using transaction media, such as cash dispensers.

[Brief explanation of the drawing]

FIG. 1 shows an ATM showing an embodiment of the transaction processing device of the present invention.
2 is a rear perspective view, 3 is a -L view, 4 is a block diagram showing the electrical configuration, and 5 is a diagram of this embodiment. A flowchart showing the operation at the time of starting a transaction at the ATM, and FIGS. 6 and 7 are flowcharts 1 and 2 showing the operation at the time of returning the transaction medium, respectively. 1--ATM S-CRT 18.43 gates +9. 20. 44. 45--one detector 17a,] 7b, 42a, 42b---one indicator 50
------Master CPU 51 to 56----Slave CPU Patent applicant Tateishi Electric Co., Ltd. Agent Patent attorney Kanki Okamoto (and 1 other person) Figure 2 ± ζ Figure 3 I

Claims (1)

[Claims] (1) A transaction processing device that performs transaction processing, including deposits and withdrawals, using a predetermined transaction medium according to the type of transaction, which has an input medium insertion slot, one transaction input f corresponding to each transaction, and operation guidance means. a first operation surface; a second operation surface having a discharge port and a lower guide stage for guiding the discharge of the output combat medium, and provided on a side different from the first operation surface; customer guiding means for guiding a customer who has performed a predetermined medium input and transaction operation from the operating screen to the second operating screen;
A transaction processing device comprising: