JPS60156165A - Account processing device - Google Patents

Abstract

PURPOSE:To shorten waiting time of customers by providing a service device for inputting account data and a cash disbursing and receiving device that executes center communication processing and note disbursing and receiving processing based on the account data. CONSTITUTION:An automatic cash deposition and receiving device ATM consists of an application device 10 to which account data are inputted and records the inputted account data in an inserted card and a cash disbursing and receiving device 50 that executes center communication processing and cash disbursing and receiving processing based on account data recorded in the card and fixed data. In the cash disbursing and receiving device 50, a card in which account data are recorded in addition to fixed data by the application device 10 is used. Payment is made based on communication processing of the read data with the center. The center checks the card based on payment telegram transmitted from the cash disbursing and receiving device 50.

Description

[Detailed Description of the Invention] Background of the Invention The present invention relates to a transaction processing device that performs a predetermined transaction using a guard or passbook in which various customer-specific data such as a personal identification number is recorded, such as a financial system such as a bank. The present invention relates to transaction processing devices such as automatic cash dispensing devices, automatic cash deposit devices, and automatic cash deposit dispensing devices installed in businesses.

This type of transaction processing device uses a storage medium on which card data such as a PIN number or account number is recorded, such as when a card is inserted or manually scanned by a customer and a PIN number is keyed by the customer and read from the card. By comparing the personal identification number with the manually entered identification number, it is confirmed whether the customer is a genuine card holder. In addition, transaction data such as transaction type and amount to be paid is entered by the customer. Card insertion and manual key operation by a customer are guided by a CRT or the like, but it takes time, resulting in a long transaction processing time per transaction. In particular, processing devices equipped with multiple transaction functions, such as automatic cash deposit dispensing devices, require input operations to select the transaction type, so it is even more difficult to use transaction processing equipment. T! It takes longer. Therefore, in banks and the like, customers are often seen forming long lines in front of transaction processing devices. In such cases, in order to shorten the customer's time and improve customer service, it would be possible to increase the number of transaction processing devices installed, but transaction processing devices are generally expensive and unprofitable. There are problems and problems such as not having enough space for installation. Furthermore, since it is necessary to store cash in such transaction processing devices, the locations where they can be installed are limited, making it even more difficult to increase the number of transaction processing devices installed.

SUMMARY OF THE INVENTION An object of the present invention is to provide a transaction processing device that can shorten customer waiting time and easily increase the number of transaction processing devices installed.

A transaction processing device according to the present invention is a transaction processing device that performs transactions using a recording medium in which at least customer-specific data is stored, and includes a storage means for storing transaction data, and a storage means for storing transaction data; A customer service device that includes a first reading device for reading and an input device for inputting transaction data, and stores the transaction data inputted in the input device in a storage means in association with customer-specific data, and stores it in a recording medium. includes a second reading device that reads the data that has been read out, reads transaction data related to customer-specific data from the storage means, and executes center communication processing and banknote release/receipt processing based on the read transaction data. It is characterized by being equipped with a cash dispensing and receiving device.

Here, the recording medium means a customer's card or bankbook.

As the storage means, for example, a card or bankbook as a recording medium, a customer information file provided in the control center, etc. are used. Furthermore, the storage means can be constituted by a memory provided in the customer service device and a memory provided in the cash dispensing and receiving device. In this case, customer-specific data and transaction data input into the input device are temporarily stored by the customer service device in a memory provided therein,
Thereafter, it is transferred to a memory provided in the cash dispensing and receiving device.

When a customer inserts or manually scans a recording medium, such as a card, into the insertion slot of the customer service device, a first reading device reads card data such as security number, account number, bank number, etc. stored in advance on the card. be read. Data such as a personal identification number, account number, and bank number that are recorded when a card is issued by a financial industry such as a bank are hereinafter referred to as fixed data. When a customer enters a PIN number using, for example, a numeric keypad, this II&ID number is compared with the PIN number in the fixed data read by the first reader to confirm whether the customer is a genuine card holder. It will be done. If the customer is a genuine cardholder, input of transaction data such as transaction type and amount to be paid is accepted. When transaction data is entered by the customer, the entered transaction data is recorded in the storage means, for example on the inserted card. After this, the inserted card is returned.

Thereafter, when the customer inserts the card into the slot of the cash dispenser or manually operates it, the fixed data and transaction data recorded on the card are read by the second reader. A message containing the read data is created and sent to the control center.

At the center, the customer information file is searched based on the data in the transmitted message, and it is searched to see if the corresponding account exists, and if it is a payment transaction, whether the billed amount is within the balance, etc., and the transaction is possible. If so, the customer information file will be updated. Then, a telegram containing a command as to whether the transaction is possible, fixed data, and transaction data is transmitted to the cash dispensing and receiving device.

When the cash dispensing/receiving device receives this message, it checks whether the transaction is permitted or not based on the data in this message, and if the transaction is permitted, it is checked based on the transaction data in the sent message. For example, in the case of a payment transaction, cash is discharged, and in the case of a deposit transaction, the inserted cash is stored in a collecting box.

Verification of the genuine cardholder may be performed by the cash dispensing and receiving device. i.e. key human powered dark til
The number T is recorded on the card inserted by the customer service device. Then, the cash dispensing and receiving device compares the password in the fixed data recorded on the card with the password recorded in the customer service device.

As described above, in the transaction processing device according to the present invention, the input of transaction data by the customer is accepted by the customer service device, and the center communication process and the cash dispensing receiving process based on the input transaction data are executed by the cash dispensing receiving device. .

In other words, transaction data input reception processing, center communication processing,
Of the cash dispensing and receiving processing, the customer service device performs only the reception processing that requires key human effort from the customer and takes a relatively long time, and the cash dispensing receiving device handles other center communication processing and cash dispensing receiving processing. Therefore, the processing time in the customer service device and the processing time in the cash dispensing and receiving device are approximately equal. Therefore, customer time is reduced by almost half compared to conventional transaction processing devices, and customer service is improved.

In addition, the first customer service device can be manufactured at a lower cost and in a smaller size than conventional transaction processing devices, so even if a large number of customer service devices are installed, it is less economical than installing a large number of conventional transaction processing devices. It is also advantageous in terms of installation space.

Also, since there is no need to store cash in the customer service device, the customer service device ff1l! The location is flexible. However °”Ctc
, 1! :It becomes possible to install customer service equipment in facilities other than I&F Bank for the convenience of customers.

Furthermore, if a card is used as a storage means, for example, if the transaction data can be recorded on the card using a personal computer, the customer will be able to record the transaction data on the card even at home, which would be extremely useful. It's convenient.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments in which the present invention is applied to an automatic teller machine (hereinafter referred to as ATV) will be described in detail. At these ATMs, payments and deposit transactions are performed using magnetic cards on which fixed data such as bank numbers, account numbers, and personal identification numbers are prerecorded. The ATV includes an application machine (see (10) Figure 1) into which a card is inserted, transaction data such as transaction type and payment amount is entered, and the entered transaction data is recorded on the inserted card. A cash dispensing machine (( 50) Refer to Figure 5-).

FIG. 1 shows the appearance of the application machine (10).

The application l1l (10) is attached to the upper end of a column 2) whose lower end is fixed to the base (1).

The operation surface of the application machine (10) includes a CRT (11) that guides the customer through the operations to be performed, a card insertion slot, a return slot (12), a transaction type designation, and information on the amount to be paid in 10,000, 1,000, and 1,000. The function keys (13) are used to input units of yen, etc., confirmations, and cancellations, and the numeric keys (14) are used to input numerical information such as passwords and billing amounts. ) is provided.

FIG. 2 shows the internal configuration of the application machine (10). The application machine (10) includes a central processing unit (
(hereinafter referred to as CPU) (20). A card reading/writing device (22) equipped with the function of reading card data magnetically recorded on the card and the function of writing predetermined data on the card, a function key (13) and a numeric keypad (14)! Includes keyboard t' (23), CRT (1
Display device including 1)! (24) and power control device (2
5) is connected to the CPU (20). Memory (21
) stores execution programs and various data.

FIG. 3 shows the data format of the magnetic card. The card has a magnetic stripe that includes a first memory for storing fixed data that identifies the customer when the customer has established an account, such as a bank number, the customer's account number, and a customer's unique pin number. There is provided an area (A1) and a second storage area (A2) for storing transaction data such as key-entered transaction type, password, and billed amount. In addition to the above, the fixed data includes an ID code indicating that the card is used at a bank, a bank branch number, and the like.

Fixed data is recorded on the card in advance.

FIG. 4 shows the processing procedure of the application machine (10) in the case of a payment transaction. When the card is inserted by the customer (step (31)), fixed data is read by the card reading/writing device (22).

and stored in the memory (21) (step (32)
). The receiver determines whether the attached card is normal or abnormal by checking the bank number, etc. (step (33)), and if the card is abnormal, the card is returned (step (34)).
finish. If it is normal, a message to enter the password manually will be displayed on the CRT (11), and the entered password will be read and stored in the memory (21) (step (35)). Key Entered PIN and Steps (32
) is compared with the PIN number in the fixed data read in the memory (21) (step (36))
. If the two PIN numbers do not match, the card will be returned (
Step (34)), ends.

If the two PIN numbers match, the customer is legitimate, and a message will appear on the CRT (11) asking you to manually specify the transaction type using the key. In the example a payment transaction is read and stored in memory (21) (step (37)). Then, the CRT (11) displays a message prompting you to manually enter the amount to be paid. Once the payment invoice amount is entered,
The input billing amount is read into the memory (21).
) (step (38)).

In this way, when the transaction data necessary for the transaction, that is, the PIN number, transaction type (here, payment transaction), and payment request amount, is prepared, the transaction data is edited in the memory (21) according to the card format (step ('
39)). Transaction data is then written into the second storage area (A2) of the magnetic stripe of the card by the card reading/writing device (22) (step (40)).

Thereafter, the card is inserted and returned through the return slot (12) (step (41)), and the process ends.

FIG. 5 shows the appearance of the cash dispensing and receiving machine (50).

A banknote insertion slot (51) for inserting banknotes is provided on the horizontal operation surface of the cash dispensing and receiving machine (50). The vertical operation surface includes a card insertion slot (52), a passbook insertion/return slot (53), a handling indicator (50) that indicates whether transactions are possible, and a discharge slot for discharging banknotes and receipts as well as returning cards. (55) is provided.

FIG. 6 shows the internal structure of the cash release receipt II (50). The cash dispenser (50) is controlled by a CPU (60) with a memory (61).CP(J(60)
) includes a card reading/writing device (, 62), a bill dispensing machine (63) that dispenses bills corresponding to the amount to be paid in a payment transaction from a storage box (path shown), counts them, and discharges them to a discharge port (55);
A bill checker (6) determines the authenticity and type of banknotes inserted into the banknote insertion slot (51) in deposit and transfer transactions.
4) Passbook printing machine (65) that prints transaction data on the passbook
, a receipt issuing machine (66) that prints transaction data on receipts issued to customers and a journal as a copy, a handling display (54), a power supply control device (67), and a control center (illustrated path). An online interface (68) for controlling communications is connected. The memory (61) stores execution programs and various data.

Figure 7 shows the cash release amount l1l (1
11 (50)′″alf″″″″″″61°N8.I!
In the Mffl1 receiving machine (50), the application machine (10)
A card is used on which transaction data is already recorded in addition to fixed data. When the customer inserts the card (step (71)), the card reading/writing device (62
) reads fixed data and transaction data,
It is stored in the memory (61). It is determined whether the accepted card is normal or abnormal by checking the bank number, etc. (step (73)), and if the card is abnormal, the card is returned (step (74)), and the process ends.

If the card is normal, a payment message containing the fixed data and transaction data read in step (72) is created (step (75)) and sent to the center. In this way, communication processing with the center is started (step (76)). In addition, in parallel with the center communication process, the transaction date, etc. is printed on the receipt and journal by the receipt issuing machine (66) (step (77)).
) At the center, a card check is performed based on the bank number in the payment message transmitted from the cash dispenser (50). If necessary, a password check will also be performed. If the card is normal and the customer is the genuine cardholder, the customer information file (illustrated path) is searched based on the account number in the payment message, and it is checked whether the corresponding account exists. If there is an account for which the customer has an account, it is checked whether the customer's balance is greater than the requested payment amount based on the requested payment amount in the payment message. If the card is normal, the customer is a genuine card holder, there is a corresponding account, and the customer's balance is greater than the requested payment amount, payment is authorized, and the balance of the corresponding account number in the customer information file is the payment request. Updated using the amount. If payment is not approved, the contents of the customer-specific information file will not be updated. Then, depending on whether payment is permitted or not, an output message consisting of a command to approve or disallow payment, fixed data, and transaction data is edited and sent to the cash dispensing/receiving machine (50).

When the deposit dispensing machine (50) receives this message, it decodes the message to determine whether payment is permitted or not (step (78)).

If payment is authorized, the transaction data will be sent to the receipt issuing machine (66)
is printed on the receipt and journal (step (79)), and the receipt is conveyed to the discharge port (55). Further, fixed data is newly written in the first storage area (A1) of the magnetic stripe of the card by the reading/writing device (62), and the contents of the second storage area (A2), that is, the contents are stored by the application machine (10). transaction data is cleared (step <80)). Furthermore, the banknotes corresponding to the payment request amount are fed out from the storage box by the banknote dispensing machine (63),
It is transported to the discharge port (55).

Then, the banknotes and receipts are discharged from the discharge port (55), and the card is returned (step (81)').
, the transaction ends.

If the message from the center is decoded and payment is not approved, the card is returned (step (82)) and the process ends.

In the above embodiments, the application machine checks the PIN number, but the application machine may not check the PIN number, but the cash dispensing machine may check the PIN number. l To check the PIN number at the cash dispenser, read the PIN as fixed data from the card inserted into the cash dispenser and the PIN entered by the key at the application machine and recorded on the card, and then All you have to do is compare the PIN numbers. Further, the cash dispenser and receiver may be provided with a password input device, and the deposit disbursing machine may check the password based on the password input to the input device.

Although a card is used as the recording medium, a passbook with magnetic tape attached may also be used. In this case, it is necessary to provide the application machine with a passbook insertion and return slot.

The transaction data entered into the application machine is written to the card by the application machine, but without writing it to the card, the transaction data is stored in the application machine's memory in association with fixed data such as a PIN number and account number. The data stored in the memory may be transferred to the memory of the cash dispenser. In this case, when a card is inserted into the cash dispensing machine, transaction data related to the fixed data read from the card is read from its memory, and the read transaction data is transmitted together with the fixed data to the center. be done.

In addition, the transaction data input into the application machine is transmitted to the control center along with fixed data, and the transaction data is recorded in a customer-specific information file provided at the control center in association with the account number in the fixed data. Good too. In this case, when the card is inserted into the cash dispenser, the account number read from the card is transmitted to the center, and the center searches the customer information file for transaction data related to the transmitted account number. Based on the retrieved transaction data, an inspection is performed to determine whether the transaction is possible or not, and a message containing the inspection results, transaction data, etc. is transmitted to the deposit disbursing machine.

Although the above embodiments have been described in terms of payment transactions, the present invention can also be applied to deposit transactions.

[Brief explanation of the drawing]

The drawings show embodiments of the invention. Figure 1 is a perspective view showing the external appearance of the application machine, Figure 2 is an electrical block diagram showing the internal configuration of the application machine, Figure 3 is a diagram showing the data format of the magnetic card, and Figure 4 is for payment transactions. A flow chart showing the processing procedure of the application machine in
Fig. 5 is a perspective view showing the external appearance of the cash dispensing and receiving machine, and Fig. 6 is an electrical block diagram showing the internal configuration of the cash dispensing and receiving machine.
The figure is a flow chart showing the processing procedure of the cash dispenser in the case of a payment transaction. (10)...Application machine, (12)...Card insertion, return slot, (13)...Function key, (14)
...numeric keypad, (20)...cpu, (21)...
・Memory, (22)...Card reading/writing device, (50
)...Cash dispenser, (52)...Card insertion slot, (60)...CPut, (61)...Memory, (
62)...Card reading/writing device. Figure 1, Figure η Figure 2. Figure 3 @ Figure 4 Figure 5

Claims (9)

[Claims] (1) In a transaction processing device that performs transactions using a recording medium in which at least customer-specific data is stored, a storage means for storing transaction data, a first reading device for reading data stored in the recording medium; A customer service device that includes an input device for inputting device and telephone data, and stores transaction data input into the input device in a storage means in association with customer-owned data, and a customer service device that stores data stored in a storage medium. A cash dispensing receiving device including a second reading device for reading transaction data related to customer-specific data from the storage means and executing a center communication process and a cash dispensing receiving process based on the read transaction data. Equipped with a magazine transaction processing device. (2) A recording medium is used as a storage means, and data is input into a customer service device using an input device. A self-transporting device is provided to write the transaction data to the recording medium, and the cash dispensing and receiving device executes the center communication process based on the transaction data and the cash dispensing receiving process, and then erases the transaction data stored in the recording medium. A transaction processing device according to claim (1), wherein the device is provided with a transaction processing device. (3) The transaction processing device according to claim (1), wherein the recording medium is a customer's card. (4) Claim No. 2, in which the recording medium is a customer's bankbook (
1) Transaction processing device described in item 1. (5) The transaction processing device according to claim (1), wherein the first reading device is a reading/writing device having a function of writing predetermined data onto a recording medium. (6) The transaction processing SN device according to claim (1), wherein the second reading device is a reading/writing device having a function of erasing predetermined data stored in a recording medium. (7) The storage means consists of a memory provided in the customer service device and a memory provided in the cash dispensing and receiving device, and customer-specific data and transaction data input to the input device are stored therein by the first customer service device. The transaction processing device according to claim 1, wherein the transaction processing device is temporarily stored in a memory provided in the cash dispensing and receiving device, and then transferred to a memory provided in the cash dispensing and receiving device. (8) The transaction processing device according to claim (1), wherein the storage means is a customer-specific information file provided in the control center. (9) Verification of the genuine user of the recording medium by comparing customer-specific data read from the recording medium with customer-specific data keyed by the customer is performed by at least one of the customer service device and the cash dispensing and receiving device. The transaction processing side L described in claim (1)