JPS6081673A - Transfer processing system - Google Patents

Abstract

PURPOSE:To improve convenience for users and the availability of an automatic transaction device by comparing a designated transfer amount with charged cash, and when the cash is lacking, making the user charge the lacking amount additionally. CONSTITUTION:When the user charges paper money and coins to a paper money insertion port 3 and a coin charging port 8 respectively in accordance with a guide on a CRT display part 5, these cash is inspected and counted. At the end of the inspection and counting, the main control part displays the transfer amount and the charged amount on the display part 5. In accordance with the guide, the user presses the check key. Judging the pressing of the check key, the main control part compares the designating transfer amount with the charged amount, and when judging the lack of the cash and no unitlization of the card, displays a message ''The cask is lacking. Charge the lacking amount, please.'' on the display part 5. In accordance with the guide, the user charges the lacking amount of cash to the insertion part 3 and the charging port 8.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to a transfer processing method in an automatic transaction device such as an automatic teller machine that can transfer cash to another financial institution.

[Technical background of the invention]

In recent years, automatic teller machines that accept magnetic cards with account information recorded on them submitted by users and automatically dispense cash requested by the users when communicating with a host computer;
Alternatively, an automatic teller machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded and automatically dispenses the cash requested by the user by communicating with a host computer, or a magnetic passbook with a magnetic stripe on which account information is recorded. Automated teller machines that use striped magnetic passbooks to accept cash on purpose, and automated teller machines that combine both of these functions into one machine, can be used at bank counters. It has rapidly developed as an automated device and has been introduced by banks to provide prompt services to their users.

In addition, recently, automatic transaction devices have been used to accept cash and transfer the accepted cash to other bank accounts, or to transfer a predetermined amount from one's own account to another bank account by card transaction. A device that performs this has been developed and put into practical use.

[One point between background technology]

However, in automatic transaction devices that perform transfer transactions such as those described above, the amount of money invested is
If there is insufficient cash, the transaction will not be completed,
Users had to conduct transactions from the beginning. 4
Furthermore, in bank transfer transactions, customers who are not accustomed to bank transfer transactions make the mistake of not inserting enough cash, even though they have to insert extra cash to cover the transfer amount. There are many cases. Therefore, for the user, there is a problem in that a slight mistake can lead to a transaction having to be restarted from the beginning, resulting in an increase in customer fees, which in turn leads to a decrease in the operating rate.

[Purpose of the invention]

This invention was made in view of the above circumstances, and its purpose is to add additional cash to cover the shortage when the amount of cash inserted is insufficient for the designated transfer amount during a transfer transaction. The purpose of the present invention is to provide a transfer processing method that is convenient for users and improves the operating rate of automatic transaction devices.

[Summary of the invention]

The present invention compares the designated transfer amount with the amount of cash that has been deposited, and if there is a shortage of cash, the system instructs the user to additionally deposit cash to cover the shortage.

[Embodiments of the invention]

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

FIG. 1 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1 there is an abbreviated operation section 2.
is formed. A banknote insertion slot 3 is provided in the horizontal section of the operation unit 2, in which a large number of banknotes to be transferred or transferred can be inserted at once, and change can be received from the banknotes.
This banknote insertion slot 3 is provided with a door 4 that can be opened and closed freely. A color CR7 display section 5 with a built-in touch sensor is still provided horizontally on the operation section 2. This CRT display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user. When a display area is pressed in response to a cancellation or the like, a touch sensor (not shown) detects this, and a so-called key operation is performed in which a corresponding signal is output to the main control section 11, which will be described later. In other words, as shown in Figure 2, the message ``Please enter the payer's name'' is displayed, along with katakana for entering the payer's name and a key for specifying the type of business where the transfer is to be made. There is. The contents and display change each time the machine operation or step status changes.

On the vertical surface of the operation unit 2, there is a power card insertion slot 6 into which a magnetic card as a transaction medium is inserted, which records account information such as a PIN number and account number, and a passbook or transfer request layer 10. A passbook for inserting a bankbook, a transfer request form insertion lower part, a coin slot 8 for inserting coins, and a coin change receiving slot 9 for receiving change for coins are provided.

In the above-mentioned transfer request form 1θ, as shown in Fig. 3, the payer's address, name, and telephone number are pre-recorded in the payer information recording area 1θ, and multiple transfer results are recorded in the transfer result recording area 1θ. It is set to be recorded.

By the way, as shown in FIG. 4, inside the housing 1, there is a main control unit 1) that controls the entire system, which accepts a card inserted from the card insertion slot 6, and reads the PIN number from the magnetic stripe on the card. A magnetic card reader 12 reads account information such as a number in the second slot β, reads the magnetic stripe of the passbook inserted from the above-mentioned bankbook and transfer request Y4 insertion lower, and records information on the transfer request form 10 entered into the transfer request form 10. Area 10. A passbook printing unit 13 reads the information with an image sensor 53 (described later) and records the image information on glossy paper 59, accepts the banknote inserted into the banknote insertion slot 3,
A deposit/withdrawal unit 14 which dispenses a specified amount of banknotes into the bill insertion slot 3; a coin deposit/withdrawal unit which accepts coins inserted into the coin insertion slot 8 and dispenses a designated amount of coins into the coin receiving slot 9; a reception unit 15, a customer service unit 16 composed of the cRT display unit 5, an audio guidance unit 17 that provides voice guidance to customers through a speaker (not shown);
An internal monitor 18 for an attendant, a floppy disk 19 for storing transaction data, etc., a transmission control section 2o for controlling data transmission between the main control section 11 and a host computer (not shown), and a power supply section 21 are provided. ing.

The main control section 1 is connected to an external remote monitor 22 for use by staff.

The above-mentioned bankbook printing section 13 is configured as shown in FIG. That is, a passbook insertion lower is connected to the front of the main body 42, and a detector 43 is provided near the insertion lower to optically detect the inserted passbook 25 or transfer request @1o. . A conveyance path 44 is provided in a substantially horizontal state from the detector 43 toward the rear of the main body 42 . This conveyance path 44 includes drive rollers 45, . . . , each of these rollers 45. . . . pinch rollers 46. ... and a guide body 47, etc., and is driven by a pulse motor 48 via a belt tracker. It should be noted that the drive roller 45 located at the end of the conveyance path 44 is driven by a motor other than the motor 48.
4' Luss motor 4? driven by. A magnetic head 50 serving as a magnetic reading/recording device is provided at the starting end of the transport path 44. This magnetic head 50 is used to read or record information on the magnetic stripe of the accepted passbook, and it contacts the magnetic stripe as required and moves along the magnetic stripe (in the direction of passbook transport). Reading or recording is performed by moving in a direction perpendicular to the direction. In addition, above the midway part of the conveyance path 44, a bankbook or a transfer request form 1 to be conveyed is provided.
A light source 51 that emits light is provided on the CO2 as a photoelectric converter.
It is designed to be guided to a D image sensor 53.

The image sensor 53 is, for example, a self-scanning surface array formed by arranging a large number of solid-state image sensors on a plane, and its scanning direction is orthogonal to the transport direction of the transport path 44.

Here, the light source 51. The mirror 52 and the image sensor 53 constitute an optical system of an optical reading device to be described later.

Further, a platen roller 54 is rotatably supported in front of the light source 51 on the conveyance path 44 .

This grating roller 54 is equipped with a locking mechanism.
An electromagnetic brake 55 is connected, and the action of this electromagnetic brake 55 is locked while handling a passbook or transfer request 10, but is rotatable when printing glossy paper 59, which will be described later. It has become. A print head 56 is provided above the platen roller 54.

This print head 56 is held by a carriage 57, and this carriage 57 is guided by a slide iron 58 and moved in the axial direction of the grating roller 54. Here, the above-mentioned gratin roller 54, print head 56, etc. are provided in the transfer request form 10. journal paper 59
A printing device 76 is configured to print predetermined information on. A roll of glossy paper 59 is wound around the platen roller 54. This journal paper 59 is held wound around a delivery shaft 6°, is wound onto a take-up shaft 61 via a platen roller 54, and is conveyed by a feed roller 62 and a pinch roller 63. The winding shaft 61 and the feed roller 62 are driven by a Nors motor 64 via a belt. Additionally, in front of the platen roller 54 on the conveyance path 44, there is a detector 6 that optically detects the bankbook or transfer request form 10 being conveyed.
5 is provided. Further, near the end of the conveyance path 44, a collection box 68 is provided to store the conveyed passbooks.

FIG. 6 shows an optical reading device that reads the payer information recording area 10° of the transfer request form 10 accepted by the passbook printing section 13 in FIG. It is composed of That is, the output signal of the image sensor 53 in FIG. 5 is subjected to predetermined analog processing in the analog processing section 7 and then supplied to the digital conversion section 73 via the a side of the changeover switch 72, where it is converted into quantized information. converted. The quantized information subjected to the r-Nocle transform is supplied to the data storage section 75 via the digital processing section 74, and is temporarily stored there as a two-dimensional pattern.

The two-dimensional pattern stored in this data storage section 75 is M
The iJ printing device 76 prints on the journal paper 59-F.

The output signal of the image sensor 53 is also used for specifying and controlling the printing position, which will be described below. In other words, the output number of the image sensor 53 that has been analog-processed by the analog processing section 71 ('', the changeover switch 7
It is supplied to the print position designation control section 8) via the b side of No.2. This print position designation control unit 81 controls the print position 1 for the accepted bankbook in the passbook printing unit 13 shown in FIG.
? It is not intended to carry out designated control of 1, and has the same circuit configuration as that shown in, for example, 11I, February 1983-1983. That is, to explain the method roughly, while conveying the accepted passbook, the image sensor 53 scans the printed surface in the row direction and photoelectrically converts it, and the photoelectric conversion signal for each scanning line is used to convert A device that detects the presence of printing pIp for each scanning edge, counts the number of scanning lines in which printing is detected, determines the presence or absence of printing, and determines and specifies the printing position based on the determination result. It is. The changeover switch 72 is configured to be closed to the a side when the transaction type is selected as "transfer", and to be closed to the b side at other times (deposit, bookkeeping, etc.). .

Next, the transfer processing method of the present invention in such a configuration will be explained with reference to the flowcharts shown in FIGS. 7(,) to (e). For example, a customer is now standing in front of this device. At this time, the CR1 display unit 5 will display the message ``Please specify your payment method,'' and the message ``Withdrawal.''

Selection keys for ``Deposit, Balance Inquiry, 2 Passbook entry, and Transfer'' are displayed. In response to this guidance, the customer presses the button labeled "Transfer". As a result, the main control unit 11 determines to proceed to the next processing step, and the CR1 display unit 5 displays “
``Please press the type of transfer'' and a selection key for ``cash or card withdrawal'' is displayed (STI). Next, the customer follows the instructions and presses down on the area that says "Card withdrawal" (
ST2). Based on this, the main control unit 11 determines that the transfer will be made by debiting the card.ST? ), the CR1 display section 5 displays the message "Please insert your card" (ST4). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST5). Then, the card is taken into the magnetic card reading section 12,
Account information such as the password 9 account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (ST6). The above account information is checked by the main control section 11 (ST7), and if it is determined that the card is incorrect, the main control section 11f performs error processing. If the main control unit 1 still determines that the card is correct, it displays on the CR1 display unit 5 the message ``Press your PIN number'' and also displays a numeric keypad and a correction key (8T8).

Next, the first customer inputs his/her PIN number by pressing down on the area where the numeric keypad is displayed, following the instructions (ST9). By entering this password, the main control unit 1
5TJ (7) It is difficult to judge whether the password number 1 matches or not.
, If they do not match, perform password re-input processing. In addition, the main control unit 11 controls the CRT@
Display unit 5 displays ``Please press the amount to be paid'' along with a numeric keypad and an amount key (ST77). Next, the customer follows the instructions and inserts the amount to be transferred (
STJ,? ). With this input, the main control unit 1 is set to CR1.
Display unit 5 displays the message "Press the registration key or designation key depending on whether the destination is registered (JL or other than registration)" and displays the registration key and designation key (ST7J).Then, the customer Input the specified key according to the guidance (S'174).When the main control unit 11 determines that the specified key should be inputted (STJ5), CIt T
The message "Please press the destination financial institution" is displayed on the display unit 5, and the financial institution selection key is displayed (STY).

Following this guidance, customers can push down on the financial institution (S
T)7). By pressing this button, the main control unit 1 determines that it is not an individual institution name (5T18), and if it determines that the list is invalid (ST19), the CRT display unit 5 displays the message "Please enter the initial letter of the name of the destination bank." At the same time, katakana, correction key, and completion key are displayed (ST20).
. Then, when the completion key is pressed (ST21),
Alternatively, if the main control unit 1 determines that the list is oJ in step 19, the main control unit 1 causes the CIIT display unit 5 to display the message “Press the name of the financial institution to send to” and also displays the name of the financial institution. Display the selection key (ST22
). Following this guidance, the customer presses the name of the financial institution. When the main control unit 11 determines that the individual engine name has been entered by pressing this button or by using Stella 7″18,
If the main control unit 1 determines that the list of branch names is not possible (S
T24), the CRT display unit 5 displays the message "Please enter the initial letter of the branch name of the destination 9", and also displays a katakana key, a correction key, and a completion key (ST24'). Then, when the completion key is pressed (ST25), or when it is determined in step 24 that a list of branch names is possible, the main control unit 1 displays the message "Please press the destination branch name" on the CRT display unit 5. and the branch name selection key (ST
26). Next, the customer presses the branch name selection key according to the instructions (ST27). By pressing this button, the main control unit 11 displays “Destination account 1” on the CRT display unit 5.
[Please select No. 7 and deposit type, please]” and
The numeric keypad, correction key, normal key, and current key are displayed (ST28). Following this guidance, the customer enters the account number and deposit type (ST29).

With this input, the main control unit 11 determines that it is not the main branch."4 (S T 3 o), the C1ζT display unit 5 shows "
"Please press the recipient's name" is displayed, and
Display katakanagi, correction key, and completion key (S
T31). Then, when the completion key is pressed @(ST
32), Stetsu fs.

If it is determined that it is the main office or branch in step 15, or if it is determined that the registration key should be input in step 15, the main control unit 11 displays the message "Currently processing the computer. Please wait for a while" (STJ3).

Kasata, the main control unit 1 sends and receives inquiries Mi and sentences, and prints the results on the journal paper 59 (STJ4) At this time, the main control unit 11 also receives balance information from the account for the card. .

Next, if the main control unit 11 determines that it is not registered (S
T35), the CRT display unit 5 displays "Please confirm recipient" and also displays a confirmation key and a cancellation key (ST36).

Following this guidance, the customer inserts the next registration designation key, confirmation key, or cancellation key (ST37). Then, the main control unit 11 determines whether or not to input the next registration designation key.
When it is L (ST38), the process returns to step 36, and when it is determined that the cancellation key has been pressed (ST38), cancellation processing is performed. If the main control unit 11 determines registration in step 35, the main control sound 151 will be "Please confirm the recipient."
is displayed, and a confirmation key and a correction key are also displayed (ST 40'). Following this guidance, the customer inserts the confirmation key or cancellation key (S
T41). Then, when the main control unit 11 determines that the cancellation key has been pressed (ST42), it performs cancellation processing.

At step f38.42, when the main control unit 11 determines that the confirmation key has been inserted and determines that the card is not being used (S
T39), the main control unit 11 causes the CRT display unit 5 to display the message ``Please enter the name of the person making the payment,'' as well as displaying katakana and a key for instructing the type of place of business where the transfer is to be made (ST
43).

Following this guidance, the user presses the payer's name and the completion key (Si20). By pressing this completion key, the main control unit 1-11 displays the message ``Please insert a transfer request'' (Si45). Based on this guidance, the customer inserts the transfer request v1.10 into the transfer request form insertion lower (Si46). This transfer is transferred to the bankbook print RIS 13. As a result, the image sensor 53 reads and scans the payer's 1h address, name, and phone number 1:〒 recorded in the payer information recording area 101 of the transfer request (10). The output signals of the image sensor 53 resulting from this scanning are sequentially analog-processed by the analog processing section 71 because the OFF Iλ switch 72 is closed to aφ1j at this time! 1. The data is sequentially distributed to the boundary portion 75 as quantized information subjected to denotal conversion by the denotal conversion unit 73 and the denotal processing unit 74. This data bself1. When the printing device 76 drives the print head 56 according to the image data stored in the section 5,
Above address.

The name and telephone number are printed on glossy paper 59.

Then, in step 39, the main It' (*1 f section 1
) determines that the card is for card Δ1], or if a transfer request outside 10 is inserted in step 46, the main control unit 11
displays on the CRT display section 5, ``If you agree with the details of the transfer, please press confirm'', and also displays the erase key and confirmation key for the transfer details (81M7). In response to this guidance, the customer inserts the confirmation key or cancellation key (Si48). Then, when the main side m11 unit 11 temporarily stops inputting the cancellation key (Si20), cancellation processing is performed. -Also, input the confirmation key (I'1) when deciding to use the card (Si70)
As shown in FIG. 8, the main control section 11 causes the CRT display section 5 to display the message "Cash transfer or withdrawal from day labor to card" and the balance at step 34, and The "cash transfer" key and the "card withdrawal" key are displayed (ST7Z). In response to this guidance, the customer can press the "cash transfer" key or the "Cardro cash withdrawal" key.
Insert the key (Si20). Then, the main control unit 11 judges that the “fJL money transfer” key is inserted and presses the button (Si7
3), and when it is determined in step 70 that the card is not used, the process proceeds to step 51. Also, Stetsu 7'7.9
When the main control unit 1 determines that the ``card drawer seat removal'' key has been pressed, the process proceeds to step 57, which will be described later.

Next, in step 51, the main control unit 11 controls the CRT
The display section 5 will display the message ``Please put banknotes and coins into their respective slots. If you agree, press the confirmation key - I, and also display the confirmation key and the cancellation key (Si51).Follow this guidance. The customer inserts a bill into the bill insertion slot 3 and inserts a coin into the coin slot 8 (Si52).Then, the bill is transferred to the deposit/withdrawal unit 14.
The coins are received by the coin depositing and dispensing unit 15 and then counted for inspection (ST5J). When the above-mentioned inspection counting is completed, the main control section 11 causes the CRT display section 5 to display the amount to be paid in and the amount to be inserted in the display at step 51 (Si54). In response to this guidance, the customer inserts the confirmation key, 6 or cancellation key (S 'I' 5
5). Then, when the main control unit 11 determines that the cancellation key has been pressed (Si56), the cancellation process is performed. It's a moat, when main control unit 1 determines to input the confirmation key (Si56)
, the designated transfer amount is compared with the inserted cash, and if it is determined that there is no shortage of cash, the process proceeds to Stesono 57.

-4, When the main control unit 11 determines that there is a shortage of cash in step 74 and determines that the card is not being used (Si75), the main control unit 11 displays the message “Insufficient cash.
Please add the missing amount.'' (Si78)
, return to Stesono 52. Also, in step 75, the main control H
<5 x When z decides to use the card, main control unit 1
1 causes the CRT display unit 5 to display ``Can I remove the missing amount from Cardroza?'' and select ``Yes.''

The "No" key is displayed (Si76). Following this guidance, the customer will be prompted to press the [Yes] or "No" key. And the dominant 7i(] 7ημm1
When it is determined that the "Yes" key has been pressed (ST77), the process advances to step 057. The main control unit 11 says "No"
When the key input f11 is cut off (ST77), the process proceeds to step 78.

- At step 57, the main control section 11 displays on the CRT display section 5 the message "Currently processing the computer. Please wait for a while" (ST57). The main control unit 11 also sends and receives transfer messages, and sends the results to the printing device 6.
Journal paper 59 and transfer request A11 using 76
0 is printed (STss). Upon completion of this printing, the main control unit 1 compares the transferred amount with the withdrawn or inserted amount to determine whether there is change (STs 9.). When the main control unit 11 determines that there is change, it displays on the CRT display unit 5 the message "Please receive bills and coins from their respective receiving slots" and also displays all types of change (ST6 (+
). At this time, the main control unit 1 operates the deposit/withdrawal unit 14 to discharge change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9 (ST61). ). As a result of this release, the customer receives change (ST62). When the receipt of this change is completed, and the main control unit 11 determines that there is no change in step 59, the main control unit 1 should receive the transfer request form (and card) on the CRT display unit 5. is displayed. At this time, the main control unit 1 releases the transfer request form 10 from the bankbook and transfer request form insertion lower (and also causes the card to be ejected from the card insertion slot 6) (ST64).
). Next, the customer receives the transfer request IIJ: 7 o (or card) (ST65) and ends the transfer process.

〔Effect of the invention〕

As described in detail above, according to the present invention, when the amount of cash inserted during a transfer transaction is insufficient for the specified transfer amount, the additional amount of cash can be added to cover the amount of the shortage, which is convenient for users and automatic transfer. It is possible to provide a transfer processing method that can improve the operating rate of transaction devices.

[Brief explanation of the drawing]

The drawings are only for explaining one embodiment of the present invention; Fig. 1 shows the appearance of the entire automatic transaction device in one perspective, and Fig. 2 shows the GI
Figure 3 shows a display example of the LT display section, Figure 3 is a plan view showing the structure of a transfer request form, Figure 4 shows the complete structure of the electrical circuit cover, and Figure 5 shows the structure of the passbook print section. Sectional view, No. 6
Figure 7 is a block diagram showing the general configuration of the reading device, Figure 7 is a flowchart for explaining the transfer operation, and Figure 8 is a diagram showing an example of the display of CRT display 1ll (γ) during the transfer process. 3.・Banknote insertion slot, 5... CRT display section, 6...
Card insertion slot, 7...Passbook, transfer request rock insertion slot, 8.
... Coin slot, 10... Transfer request form, J O,...
・Payee information recording area, 11...main control section, J3・
- Passbook printing section, 44... Conveyance path, 53... Image sensor, 56... Print head, 59... Gloss
null paper, 71... analog processing section, 73... r notal conversion section, 74... digital processing i5B, 75...
Data storage unit, 76...printing device. Figure 1 Figure 3 Figure 11

Claims (1)

[Claims] In a system in which deferment transactions are automatically performed by user operations, a specification means for specifying the transfer amount and a comparison means for comparing the transfer amount by this specification means and the deposited cash are provided, and this comparison means is A transfer processing method characterized in that, if it is determined that there is a shortage of cash as a result of the comparison, additional cash is added to cover the shortage.