JPS61153762A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To transmit a message by outputting the message addressed to a remittee, to a title automatic transaction device as soon as cash is paid. CONSTITUTION:Said device is provided with a message storage part 20 for storing temporarily a message inputted from a keyboard 12 or a message received from a host. Storage in an input message storage part 20, output control to a printer part 22 of a stored message, a telegraphi message control for inquiring about whether a message can be transmitted to a host computer, etc. are executed by a message control part 21. When transmitting the message, the message which has been inputted from the keyboard 12 is stored in the message storage part 20. This message is displayed on a display part 10 and also outputted from the printer part 22.

Description

[Detailed description of the invention] [Industrial application field] The present invention relates to an automatic transaction device such as an automatic transfer device.

In recent years, automatic transfer devices have become popular, but one device is a device that allows customers to make transfers by themselves, which was previously handled at financial counters.
M) is added with a transfer function or is installed as a transfer-only machine.

Automation of the above-mentioned transfer operations has greatly contributed to labor saving and reduction of waiting time, but it is not possible to send messages to recipients, which could conventionally be done by filling out transfer forms.

Therefore, there is a need for a simple automated transaction device that can send messages at the same time as transferring money.

[Conventional technology]

A conventional ATV with a transfer function will be explained below.

Figure 2(a) is a block diagram showing an example of the system;
b) is a block diagram of an ATM with transfer function, Figure 2 (C)
is a flowchart showing the transfer operation.

In Fig. 2 (bl), 6 is a passbook printing unit that is controlled by the passbook printing control unit 7 and performs reading and recording of the inserted passbook, and 8 is a card read/write/receipt printing unit that is used to read and write cards. /Writing mechanism.

An integrated mechanism for printing and issuing a receipt with an embossed stamp on the card, 10 is a display section that is controlled by the display control section 1) and displays guidance, etc. 12 is a keyboard, 13
15 is a key manual control unit, 15 is a line control unit that communicates with the host computer, 16 is a coin deposit and payout control unit, 17 is a coin deposit and payout unit, 19 is a banknote deposit and payout unit, and 18 is a banknote deposit and payout control unit.

The ATM with a transfer function configured as described above is connected to a host computer 1.2, as shown in FIG. 2(a), together with an automatic teller machine (CD), etc., to constitute a banking system.

Note that the host computers 1 and 2 represent separate financial institutions.

The transfer mechanism and operation will be explained with reference to the flowchart shown in FIG. 2(C). Note that the input is made according to the guidance display on the display unit 10.

(1) Following the transaction type such as deposit, withdrawal, FR included, bookkeeping, etc., select and input the card or cash type.

(2) (in case of cash) Transfer destination bank branch name, beneficiary information, client information.

When the amount to be transferred is entered, confirmation is requested, and by pressing the confirmation button, the above information is sent to the host computer for inquiry.

As a result of the inquiry, if the transfer is possible, the above transfer information will be confirmed again and a transfer request will be made to the host computer by inserting cash.
The temporarily pooled input cash is stored in a safe.

Next, the transaction statement will be printed out.

(3) (When using a card) When you select a card and enter your PIN, your identity will be verified by comparing it with the PIN written on your card, and then you will enter the transfer destination, recipient, and transfer amount.

After confirming the above information, the host computer is asked whether the transfer is possible or not. If the deposit balance satisfies the transfer amount, the transfer information is confirmed again and a transfer request is made to the host computer.

Next, print the transaction statement.

Released with the card.

If you use your card and the balance is insufficient, insert cash.

After confirmation, you will be asked to transfer money.

As a result of the above operations, the interbank small stock computer becomes the second
If the connection is as shown in Figure (al) and deposits and withdrawals are possible, transfers can be made by specifying another bank.

[Problems to be Solved by the Invention] The conventional ρ automatic transfer function described above does not have a message sending function, which is inconvenient. In view of the above, the present invention provides an automatic transaction device capable of sending messages.

[Means for solving problems]

The above conventional problem is that the central device is provided with a means for storing messages addressed to the recipient and a means for transmitting the corresponding message to the transaction device in response to a transaction request, and the automated transaction device does not transmit the message addressed to the recipient. By means of a transaction device of the present invention, which has means for storing the message in the above file and means for receiving and outputting a message addressed to the account at the time of transaction, and outputs the message addressed to the recipient to the automatic transaction device at the same time as the cash transfer. It can be solved.

[Effect]

According to the present invention, after inputting the transfer information.

By manually writing a message, the message is sent to the host computer when requesting a transfer.

A message file is set up on the host computer and saved with a transfer destination account attached, and when the recipient makes a transaction such as bookkeeping, the recipient sends the message to the transaction device and outputs it to the printer.

The transfer amount is 0. In other words, messages can be sent only by specifying an account.

〔Example〕

Embodiments of the present invention will be described with reference to the drawings.

FIG. 1(a) is a block diagram of an ATM with a transfer function embodying the present invention, FIG. 1(bl) is a flowchart of message input operation, and FIG. 1(C) is a flowchart of message reception.

In FIG. 1(a), 20 is a message storage section that temporarily stores messages input from the keyboard 12 or messages received from the host; 21 is a printer section 22 for storing human-powered messages in the message storage section 20; and a printer section 22 for storing stored messages. This is a message control unit that performs output control to the host computer, message control for inquiring whether messages can be sent to the host computer, etc. Others in FIG. 2 (same symbols as bl have the same functions.

When sending a message, input in kana characters from the keyboard 12 is displayed on the second display section 10 and stored in the message storage section 20. The manually written message is sent to the host combiator at the time of the above-mentioned transfer request, and a copy of the message is output from the printer section 22.

When receiving messages, use cards and passbooks for transactions such as deposits, withdrawals, and bookkeeping.

When a bankbook and card are inserted, the host computer 1 is queried for account numbers and the like.

When the host computer 1 searches the message file 1a and detects a corresponding message, it transmits the message along with the balance amount to the transaction device. The transaction device stores and records the message in the message storage section 20, and also prints and outputs the message on the printer section 22.

In the message sending/receiving function of each function above.

An example of operation and operation is shown in the flowchart in Figure 1 (b) (
C1 and FIG. 2 (C1 will be used for explanation. This example shows a case where only a message can be sent.

(Message input) (1) Message input is performed before inputting the transfer amount. That is, message input guidance is provided at the time point shown in (■) in FIG. 2(C), and if there is a message, the user is prompted to input it.

(2) Next, the amount to be transferred is input, but if only a message is to be sent, the amount to be transferred is 0 or the amount is selected by a guidance display to that effect.

(3) Vt (In the transfer inquiry transmission/reception, in addition to the conventional transfer information transmission, information on whether there is a message and the number of characters are sent, and permission to send the message is obtained from the host computer 1. The message is sent at the time of the transfer request.

(4) If you wish to request the cost of sending a message, please do so before requesting a transfer.

(Message reception) (1) When the recipient performs a transaction such as bookkeeping, a message is output.

(2) When the above operation is performed and an inquiry request is sent to the host computer 1 along with the account number, the host computer 1 searches the message file 1a.

Send the corresponding message to the transaction device.

(3) The transaction device receives the message, performs bookkeeping, etc., and outputs the message to the printer unit 22.

Note that the above message output can also be performed by the card read/write/receipt printing section 6.

〔Effect of the invention〕

As explained above, according to the present invention, it is possible to provide a transaction device that can send a message to the other party when making a transfer.

[Brief explanation of drawings]

FIG. 1(a) is a block diagram of an ATM with a transfer function that implements the present invention. FIG. 1(b) is a flowchart of a message sending operation. FIG. 1(C) is a flowchart of message reception. FIG. 2(a) is a system block diagram. Figure 2 (BL is a block diagram of a conventional ATM with a transfer function. Figure 2 (C1 is a flowchart of a transfer operation. In the figure, 1.2 is a host computer. 1a is a message file. 3 to 5 are transfer functions. 6 is a passbook printing section. 8 is a card read/write/receipt printing section. 10 is a display section, 12 is a keyboard. 14 is a main control section. 17 is a coin depositing and dispensing section. 19 is a banknote depositing and dispensing section. 20 is a Message storage section. 21 is a message control section. 22 is a printer section. (C) Hayabusa 2 Cb)

Claims (2)

[Claims] (1) An automatic transaction device in which a card or cash is inserted and the central device transfers the cash to the corresponding transfer account, and the central device has a means for storing a message addressed to the recipient, and a means for storing the corresponding message in response to a transaction request. means for transmitting a message to the transaction device, means for transmitting a message addressed to the recipient to the automatic transaction device and storing it in the file, and means for receiving and outputting a message addressed to the account from the central device at the time of transaction. An automatic transaction device characterized in that it outputs a message to the recipient to the automatic transaction device at the same time as cash transfer. (2) The automatic transaction device according to claim (1), characterized in that a message is transmitted by specifying an account.