JPS6215696A - 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 Summary of the Invention A transaction processing device has a function of recording and issuing a value represented by input data on a value card when a transaction for issuing a value card is designated.

[Background of the Invention] The present invention relates to a transaction processing device installed in a bank or other financial industry and used by its customers.

As we enter the cashless era, not only cards that guarantee credit, such as credit cards, but also cards that have some added value (hereinafter referred to as one-value cards), such as telephone cards, have become widely distributed. Value cards, such as telephone cards, are just a replacement for money.

On the other hand, traditional transaction processing devices handle deposits and withdrawals.

It merely had transaction functions directly related to money, such as transfers, bookkeeping, and balance inquiries. Transaction processing devices are also being forced to change in order to respond to the emergence of value cards as described above.

[Object of the Invention] An object of the present invention is to provide a transaction processing device with a value card issuing function to increase its versatility.

[Configuration and Effects of the Invention] The transaction processing device according to the present invention includes: 1) a first input means for specifying a transaction for issuing a value card; 1) a second input means for inputting data regarding the value of the value card to be issued; , a means for reading the transaction card data to determine whether or not the transaction is eligible, and a card issuing device that records data regarding the input value on a value card and issues it when the determination means determines that the transaction is eligible. It is characterized by having the means.

Preferably, when a value card is issued by the card issuing means, transfer means is provided for subtracting an amount representing the value of the issued value card from the account balance in the transaction card data. Also.

If a means for inputting the type of value card to be issued is further provided, it becomes possible to issue a plurality of types of value cards.

Value cards include the above-mentioned telephone cards, railway value cards (so-called Orange Cards), and cards with other values added.

According to this invention, the transaction processing device has the function of issuing a value card on which the value represented by the input data is recorded. The transaction processing device, which was originally supposed to handle money, now issues cards with a value that replaces money, making it very convenient for customers. For example, it becomes possible to have a one-value card issued instead of or in addition to withdrawing money from one's savings account. Value cards are substitutes for money for specific purposes. This is convenient because the customer can save the trouble of separately going to a value card sales office and purchasing a desired value card after withdrawing money.

[Explanation of Examples] FIG. 1 shows the external appearance of the transaction processing device.

This transaction processing device has normal transaction processing functions such as deposits (deposits), payments (withdrawals), transfers, and bookkeeping, as well as a function of issuing 9-value cards. A display device (hereinafter referred to as CRT) for displaying and guiding the customer's operation procedures and other items is provided on a substantially horizontal operation surface protruding from the front of the transaction processing device 20.1. C
Function keys 2 located on both sides of the RTI screen
An input slot 3A and a return slot 3B are provided, respectively. The almost vertical operation surface of the transaction processing device 20 has a passbook insertion and return slot6. bank card (
Insertion and return slot for transaction cards) 4. A discharging lower for discharging dispensing banknotes in a dispensing transaction, and display devices 8 and 9 for indicating the transaction being handled and the type of transaction being handled are provided, respectively. A two-value card issuing port 5 is provided above the bank card insertion and return port 4. As the display device 1, other than CRT, for example, a plasma display or the like can be used. Function key 2A is used to select transaction type 1 according to each stage of transaction processing.
Selection of value card type, amount of 10,000,000,000.

Used for inputting units such as yen, confirmation, cancellation, etc. The functions of the two function keys are
It is displayed on the screen of I, adjacent to each of the two function keys. The withdrawal banknote release lower is also used as an opening for issuing receipts that serve as copies for customers in each transaction. Further, an attendant call button 10 and an attendant operation key 11 are provided on the vertical operation surface.

FIG. 2 schematically shows the mechanisms provided inside the bank card insertion and return opening 4 and the value card issuing opening 5. There is a conveyance path 1 inside the bank card insertion and return slot 4.
3, and a card reader 14 is arranged on the conveyance path 13 to read data recorded on the bank card and, if necessary, to write required data. bank card.

As is well known, it is a card carried by a person who is qualified for bank transactions to represent that qualification, and generally a magnetic card is used. On the magnetic recording surface or recording location of this bank card, a code indicating that it is a bank card, the name of the bank that issued the card, the name of the branch, the account number of the card holder's account, the PIN number, etc. are magnetically recorded. ing.

A card ejection path 15 is also provided inside the value card issuing port 5, and a card writer IB for recording required data on the value card to be issued is placed along the way.

At the inner end of this discharge path 15, blank card storage locations (for example, storage boxes) 17 and 18 are provided. In this embodiment, two types of value cards, a telephone card and an orange card, are issued, and a blank telephone card is stored in a storage location 17, and a blank card of an orange Φ card is stored in a storage location 18, respectively. There is.

The blank cards in these storage locations 17 and 18 are independently delivered to the delivery path I5 by driving the respective delivery rollers 17A and 18A. These value cards are also magnetic cards, and on their magnetic recording surface or recording location, the name of the issuing bank, the type of value card, data representing the key-input value, and other data are magnetically recorded by the card φ writer 1B. recorded.

FIG. 3 shows the configuration of the electrical control circuit of the transaction processing bag ft20. The transaction processing device 20 includes a central processing unit W1 (hereinafter referred to as CPU), preferably a microprocessor 21.
The CPU 21 is controlled by a program memory which is loaded from a floppy disk or the like and stores a program for executing transaction processing, the selected transaction, and the transaction amount.

The memory device 22 includes a volatile memory for temporarily storing the value of the selected value card type 1 value card and other transaction data, and a non-volatile memory for storing transaction summary data and the like.

The transaction processing device 20 further includes functions and keys 2A.
and a keyboard including a q-numeric keypad 2B and its control circuit 2B, a display device 27 including a CRTI, displays 8 and 9, and its control circuit. A bill processing device 28 that includes a bill checker that determines the authenticity and counts bills for deposit or transfer inserted into the input slot 3A, and a bill dispensing machine that counts and discharges bills to be discharged in a withdrawal transaction. ．． Slip issuing machine 2 that prints transaction data on receipts and journals
91 A passbook processing device 23 that prints transaction data on a passbook and reads or writes data written on a magnetic stripe provided in one passbook. Card reader 14 as described above. Further, a value card issuing device 25 including the above-mentioned card writer 1B, a drive device for the feed rollers 17A and 18A, a drive device for the delivery path I5, etc. is provided, and is connected to the CPU 21 by a bus.

The CPU 21 performs communication necessary for transaction processing with a control center (path shown) via the transmission control device 30.

The control or center has a customer-specific information file (hereinafter referred to as CIF) that stores the account number, name, address, balance, and other matters for each customer having one account. As a result of communication between the center and the transaction processing device, for each transaction, the applicable customer's balance is updated according to the transaction type and transaction amount.

FIG. 4 shows the transaction processing procedure by the CPU 21.

First, write a message to select the transaction type on the CRTI and deposit it next to each function key 2A.

Characters representing transaction types such as withdrawal, transfer two-value card issue, balance inquiry, and bookkeeping are displayed (step 51).

Function key 2 representing the type of transaction desired by the customer
When a person is pressed (step 52), it is determined which function key was pressed, ie, the type of transaction selected (steps 53-55). Step 53 in Figure 4
~55 is for convenience.

Although only three types of transactions are judged: deposit 1, payment (withdrawal), and value card issuance, it goes without saying that other types of transactions can be accepted in the same way.

If a value card issue transaction is selected.

A message asking you to select the type of value card to be issued to the CRTI will be displayed, and select "Telephone Card" and "Orange Card" in response to the two function keys 2A.
are displayed (step 56). When a function key is input (step 57), it is determined which value card has been selected, and the type of the selected value card is stored in the memory device 22 (steps 58 to 57).
61).

Furthermore, an instruction to input the value of the value card to be issued to the CRTI is displayed (step 62), so when the customer inputs the value using the numeric keypad 2B,
The entered value is stored in the memory device 22 (step 64). This value will generally be expressed and entered in a corresponding monetary amount.

Subsequently, an instruction to insert the bank card is displayed on the CRTI (step B5), and when the customer inserts the bank card into the card insertion slot 4, this is detected (step 66). This bank card is transported along the transport path 13, and the card data is read by the card reader 14 and stored in the memory device 22 (step 87).
.

Based on the card data, it is determined whether the bank card is a legitimate card (step 68).

It is preferable to request the customer to key-in a password and check whether the key-in password corresponds to the password in the card data. However, this password check may be performed at the control center.

Selection of value card type (steps 56-61).

The order of value entry (steps 62-64) and bank card insertion and reading (steps 65-87) may be reversed.

In any case, if the bank card is a legitimate card and passes the necessary PIN check, the card data of the read bank card, the entered value and other transaction data are transmitted to the control center. (Step 6
9).

CIF is searched at the control number center.

Checks are made as to whether an account with the corresponding account number exists, and whether the value is less than or equal to the balance of the account. An account with the account number in the card data exists,
If the balance in the account exceeds the transmitted value, a one-value card can be issued. The value (amount) of the value card to be issued is subtracted from the balance of the relevant account, and the balance is updated using the result of this subtraction as the new balance. and card data indicating permission to issue a one-value card.

The transaction data of value and new balance is transmitted to the corresponding transaction processing device.

If the account number in the card data sent from the transaction processing device does not exist in the CIF, or if the 1 value is greater than the balance, a 9 value card cannot be issued.
Data, value, etc. are transmitted to the appropriate transaction processing device.

When the transaction processing device receives the message from the center (step 70), it is determined whether one-value card issuance is permitted (step 71).

If issuing a value card is permitted, it is checked from the contents of the memory device 22 whether it is a telephone card or an orange card (step 72), and if it is a telephone card, the feeding roller 17A is driven.

A telephone blank card is delivered to the exit path 15 (step 73). In the case of an orange card, the feed roller 18A is driven and the blank card is fed out (
Step 74). Then, data such as the type and value of the card are written onto the drawn card by the card φ writer 1B. In the case of telephone cards, value data is recorded, for example, in the form of degrees. Recording in the form of monetary amounts is of course also possible and would be more common. The value card with the recorded value etc. is sent to the issuing port 5.

After this, the bank card is returned to the return slot 4, and a receipt on which necessary transaction data is printed is issued by the issuing lower (step 75). Once the bank card is removed, the transaction process ends (step 7B).

If the issuance of the value card is not permitted, the bank card is returned (step 77), and the rejection is displayed on the CRTI (step 78). The transaction is completed by removing the bank card (step 79).

A passbook can also be used in transactions involving the issuance of value cards. At this time, the transaction data issued by the value card will be printed on the passbook, so there will be no need to issue a receipt.

In the above embodiment, the payment is made immediately by subtracting the amount equivalent to the value from the customer's account at the control center, but the payment may be delayed for a certain period of time. Alternatively, a bill corresponding to the value may be inserted into one bill slot 3A, and the bill may be used to pay for the value card. If there is change, it may be deposited into the customer's account. When making payments from a customer's account, if there is an insufficient balance, the customer may be required to pay the amount in cash.

Transaction processing other than the value card issuance transaction is not limited to deposit (step 53) and payment (step 54), but for reference, these transaction processing will be briefly explained. These transaction processes themselves are known.

Figure 4 shows deposits using a passbook (steps 81-92) and payments using a bank card or passbook (steps 101-92).
113) are shown. In addition to this, there is also deposit processing using a card.

Once a deposit transaction is selected (step 53).

A passbook insertion guide will be displayed on the CRTI (step 81) 2
When the passbook is inserted (step 82), the passbook processing device 23
The data recorded on the magnetic stripe of the passbook is read and stored (step 83). When the guidance to insert deposited banknotes is displayed on the CRTI (step 84), one banknote is inserted into the slot 3A, and the shutter is closed (step 85), by the banknote processing device 28.

The authenticity and type of the inserted banknotes are determined, and the total amount is calculated and stored (step 8[i). The total amount of banknotes inserted will be displayed on the CRTI and you will be prompted to confirm this (step 87), so when confirmation is input using the function φ key 2A (step 88), 9 passbook data will be displayed.

The amount, etc. is sent to the center (step 89).

At the center, the deposit amount is added to the balance of the corresponding account, and a message indicating that the deposit processing has been completed is transmitted to the transaction processing device 20 (step 90). After this.

In the transaction processing device 20, the deposit transaction data is printed on the passbook (step 91) and the two passbooks are returned (step 92).
).

In the payment transaction (step 54), a bank card or passbook is inserted in response to the guidance to the CRT1, and their data is read (steps 101-103). If your bank card or passbook data is OK (Step 1)
04), an instruction to input the payment amount is given to the CRT 1, and when this amount is input using the numeric keypad 2B, it is taken in (steps 105 to 107).

Bank card data or passbook data, payment amount, etc. are transmitted to the center (step 108). At the center, the payment amount will be subtracted from the balance of the relevant account.

A message indicating that the payment is OK will be output. If the account is not dependent or the balance is lower than the payment amount, a message indicating that payment is not possible is edited.

Upon receiving a message from the center (step 109)
), in the transaction processing device 20, if the message includes data indicating that the payment is OK, the bill processing device 28 discharges the bill corresponding to the payment amount to the discharging lower (steps 110 and 111).
> After printing a passbook or receipt, a passbook or bank card and receipt are released (Step 1)
12.113). If payment is not possible, the passbook or bank card is returned without releasing the banknotes (step 114).

In the above embodiment, the transaction processing device is connected to the control center online, but it goes without saying that the present invention can also be applied to offline transaction processing devices.

[Brief explanation of the drawing]

Fig. 1 is a perspective view showing the external appearance of the transaction processing device, Fig. 2 is a configuration diagram showing the card reading and card issuing mechanism, Fig. 3 is a block diagram showing the electrical configuration of the transaction processing device, and Fig. 4 is a block diagram showing the electrical configuration of the transaction processing device. It is a flow chart showing a transaction processing procedure. 1...CRT, 2A...Function key,
2B... Numeric keypad, 4... Bank card insertion, return slot, 5... Value card issuing slot, 6... Passbook insertion slot,
1B...Card writer, 17.18...Blank card storage area. 20... Transaction processing device, 21... CPU, 25...
...Card issuing device. Patent applicant: Tateishi Electric Co., Ltd. Agent: Kenji Ushiku (1 other person) Figure 1

Claims (3)

[Claims] (1) a first input means for specifying a transaction for the issuance of a value card; a second input means for inputting data regarding the value of the value card to be issued; reading the transaction card data to qualify the transaction; A transaction processing device comprising: a means for determining the presence or absence of a transaction; and a card issuing means for recording input value-related data on a value card and issuing the card when the determining means determines that the transaction is qualified. (2) When a value card is issued by the card issuing means, it includes a transfer means for subtracting an amount representing the value of the issued value card from the account balance in the transaction card data. The transaction processing device described in (1). (3) The transaction processing device according to claim (1), further comprising means for inputting the type of value card to be issued.