JPS6012677B2 - How account data is processed - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an account data processing method for automatically performing deposit transactions using a card or passbook owned by a user as a transaction medium.

2. Description of the Related Art Recently, automatic deposit machines, automatic deposit disbursement machines, automatic cash exchange machines, etc. have been developed and are being put into practical use, for example, with the effort to save labor in banking operations.

Among these, automatic deposit machines generally perform deposit transactions using a user's personal identification card or bankbook as a medium. Then, as a method for determining whether or not a deposit transaction with a user is possible, the device compares and verifies predetermined data given to the card, such as a PIN number, and predetermined data input by the user, such as a PIN number. Accordingly, a method is used to check whether there is a correspondence (for example, a match) between the two numbers, and if there is a correspondence, the user is deemed to be a legitimate user and the transaction is permitted. Therefore, in a normal deposit transaction, a user can only make a deposit after inserting a card, entering a PIN, and inserting a passbook. The disadvantage is that the procedure is complicated and troublesome. The present invention was made in view of the above circumstances, and
The purpose is to provide an account data processing method that reduces operating time, simplifies operating procedures, and improves device usage efficiency.

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

FIG. 1 shows an automatic deposit device according to the present invention, in which a sparrow body 1 has a card insertion slot 2 on the front for inserting a personal identification card, a passbook insertion slot 3 for inserting a deposit passbook, and a counterfeit or stacked ticket. A return port 4 for returning items such as items is provided respectively.

Furthermore, an operating section 5 is formed approximately at the center of the front surface of the housing 1, and this operating section 5 includes, for example, a currency slot 6 into which banknotes to be deposited are inserted, and a password slot 6, as shown in FIG. A data input device for entering data such as numbers, such as a keyboard 7
, an amount display 8 for displaying the deposit amount, an operation guide display 9 for displaying various operation guides in Japanese, a deposit approval key 10, and a deposit non-approval key 11, respectively. Next, the system of the present invention will be explained in detail with reference to the block diagram of the deposit apparatus shown in FIG. 3 and the operation flowchart shown in FIG. 4 in the above configuration.

The user inserts a card or passbook according to the instructions on the operation guide display 9. First, in the case of a deposit transaction using a card, the user inserts his or her card into the insertion slot 2, and the card reading device 12 reads the inserted card and reads predetermined data (PIN number, account number, etc.) magnetically recorded thereon. etc.) and supplies it to the main control unit 13. Thereby, the main control unit 13 inspects the content of the discussion data (format check, etc.), and if it is correct, sends a display command to the operation guide display 9 and instructs the user to input the password. Incidentally, if the result of the above inspection is not correct, that fact is displayed on the operation guide display 9 and the inserted card is returned to its insertion slot 2. However, the user
By entering your personal identification number on the keyboard 7,
It is integrated into the main control section 13. As a result, the main control unit 13 compares and checks the PIN number secretly taken from the card and the input PIN number to check whether there is a correspondence relationship (for example, a match) between the two numbers, and takes appropriate action. If there is a relationship, a display command is sent to the operation guidance display 9 to instruct the user to insert a banknote. At this time, if there is no correspondence, the operation guide display 9 instructs the user to enter the password again, allowing the user to enter the password a predetermined number of times. However, when instructed to insert banknotes,
The user inserts the banknote to be deposited into the currency slot 6 with the banknote facing east.

When the insertion of banknotes is completed, the currency importing mechanism 14 imports the banknotes one by one, and at the same time, the currency validator 15 performs authentication, denomination, overlap determination, etc., and the determination results are sent to the main control unit 13. supply to As a result, the main control unit 13 calculates the total deposit amount for the correct banknote,
By supplying it to the amount display 8, the total amount of money deposited is displayed there. Then, the banknotes determined to be genuine are temporarily stored in the temporary storage 16. Furthermore, banknotes and the like that are determined to be fraudulent or duplicate notes are returned through the return slot 4, and the operation guidance display 9 instructs the user to re-insert them.
When all the banknotes have been taken in, the user is instructed to check the deposited amount on the operation guide display 9.
Here, the user checks whether the amount displayed on the amount display 8 matches the amount he or she has deposited, and presses the approval key 10 if approved. If approval is not possible at this time, press the non-approval key 11 to release the main control unit 13.
sends a return instruction to the temporary storage 16 and returns the temporarily stored banknotes to the return slot 4. When the approval key 10 is pressed, the signal is sent to the main control unit 13, so that the main control unit 13 receives the calculated total deposit amount and the data retrieved from the card (PIN number, account number, etc.) is transmitted to a central processing unit (not shown) via the transmission control unit 17 and the communication line 18.

As a result, the central processing unit determines whether the transaction is possible, returns the result to the main control unit 13, and if the transaction is possible, deposits the corresponding PIN and account number based on the transmitted data. The ledger file is updated and the details of the transaction at this time are returned to the main control unit 13. As a result, the main control unit 13 sends a command to the temporary storage 16, guides the temporarily stored banknotes into the safe 19, and accumulates them there. In addition, the main control unit 13 sends a transaction certificate issuance command to the printing device 21, so that the printing device 21 prints the details of the transaction on proof paper, issues a transaction certificate, and prints the transaction certificate through the passbook insertion slot. 3. Further, the main control unit 13 sends a card return command to the card reading device 12 to lead out the inserted card to the insertion slot 2 and return it to the user. This completes all card deposit transactions. If the transaction is not possible in the determination of whether or not the transaction is possible, the operation guide display 9 displays this fact, and the banknotes temporarily stored in the temporary storage 16 are returned to the return slot 4. on the other hand,
In the case of a deposit transaction using a passbook, the user inserts his or her passbook into the insertion slot 3 with the predetermined page open, and the inserted passbook passes through the passbook reading device 22 and enters the printing device 27. Sent.

At this time, when the passbook passes through the passbook reader 22, the passbook reader 22 reads predetermined data (bank name code, account number, etc.) magnetically recorded on the magnetic recording band formed on the back cover of the passbook. , and sends it to the main control section 13.
Thereby, the main control unit 13 inspects the contents of the read data (format check, etc.), determines whether the passbook is genuine or not, and if it is genuine, instructs the operation guide display 9 to display it. and instructs the user to insert a banknote. Incidentally, if the result of the above judgment is that the passbook is not authorized, that fact will be displayed on the operation guide display 9 and the inserted passbook will be returned to its insertion slot 3. When instructed to insert a bank note, the user inserts the bank note to be deposited into the currency slot 6, thereby performing the same deposit processing operation as with the card. However, in this case, a transaction certificate is not issued, and the main control unit 13 sends a passbook printing command to the printing device 21, so that the printing device 21 prints the transaction details at this time on the inserted passbook and finishes printing. and the passbook is led out to the insertion slot 3 and returned to the user. This completes all deposit transactions using the passbook. In this way, in the case of a deposit transaction using only a card, the user is asked to enter his or her own PIN number, and the correspondence between the entered PIN and the PIN recorded on the card is checked, and the correspondence is confirmed in advance. If the card is a valid user, the user is considered to be an authorized user and allowed to make a deposit transaction.On the other hand, if a deposit transaction is made only with a passbook, the user is always considered to be an authorized user and is prohibited from using the card or entering the PIN number. This allows deposit transactions without inputting and checking the correspondence between PIN numbers. Therefore, in the case of a deposit transaction using only a passbook, the use of a card, the input of a PIN number, and the verification of the correspondence between PIN numbers are omitted, so there is no need for the user to enter a PIN number, which significantly reduces the operation time. This not only simplifies the operating procedure, but also shortens the transaction processing time of the device and significantly improves its utilization efficiency. As detailed above, according to the present invention, in the case of a deposit transaction using only a card, the user is required to enter a PIN number, and the correspondence between this PIN number and predetermined data assigned to the card is examined. If the correspondence relationship is predetermined, the user will be deemed to be a legitimate user and will be allowed to make a deposit transaction.On the other hand, if the deposit transaction is made only with a passbook, the user will always be considered to be a legitimate user and will not be allowed to use the card. Since deposit transactions are allowed without the need for use or input of a PIN number, it is possible to shorten operation time, simplify the operation procedure, and provide an account data processing method that improves device utilization efficiency. .

[Brief explanation of the drawing]

The drawings are for explaining one embodiment of the present invention.
Figure 2 is a perspective view showing the entire automatic deposit machine, Figure 2 is a plan view showing the operating section of the automatic deposit machine, Figure 3 is a block diagram showing the overall configuration of the automatic deposit machine, and Figure 4 is a block diagram showing the overall configuration of the automatic deposit machine. It is a figure which shows the operation flowchart of an apparatus. 2...Card insertion slot, 3...Passbook insertion slot, 6
... Currency slot, 7 ... Data input device, 8 ... Amount display, 12 ... Card discussion device, 13 ... - Main control unit, 14... Currency import mechanism, 15... Currency validator, 21... Printing device, 22... Passbook reading device. Figure/Figure 2 Figure 3 Figure 3

Claims (1)

[Claims] 1. In the case of a deposit transaction using only a card in an automatic deposit machine that automatically performs deposit transactions using a card or passbook owned by the user as a transaction medium, and in which the passbook is inserted with a predetermined page open, The user is asked to enter a PIN number, the correspondence between this PIN number and predetermined data assigned to the card is checked, and if the correspondence is predetermined, the user is considered to be an authorized user and the deposit transaction is performed. On the other hand, in the case of a deposit transaction using only a passbook, the user is always considered to be a legitimate user, and the deposit transaction is permitted without using the card or entering a PIN number. How account data is processed.