JPS62169271A - Control system for transaction selection in automatic transaction device - Google Patents

Abstract

PURPOSE:To facilitate an input operation by providing separately the first transaction processing mode without a password input, and permitting the input operation by the first transaction processing mode according to the content of a transaction medium. CONSTITUTION:The first transaction processing mode in which a payment transaction is permitted, and the second transaction processing mode in which plural transactions are permitted are provided. A control part selects automatically these modes according to a transaction data in the transaction medium. The first transaction processing mode is a mode in which the payment transaction without the password input can be executed, and also, it can be used by a specified user. On the other hand, the second transaction processing mode is the one in which a transaction selected after the password input is executed, and it is the mode used by a general user. Therefore, even when the first transaction processing mode is selected by the transaction data in the transaction medium, the user can indicate the second transaction processing mode, then selecting the second transaction processing mode.

Description

[Detailed description of the invention] [Table of contents] Overview Industrial field of application Conventional technology Problems to be solved by the invention Means for solving the problems (Fig. 1) Working example (a) One embodiment Explanation of the configuration (Figures 2 and 3) (
b) Explanation of the operation of one embodiment (Fig. 4, Fig. 5, Fig. 6, Fig. 7, Fig. 8) (C)
Description of other embodiments Effects of the invention [Summary] In an automatic transaction device that executes a transaction operation by inputting a transaction medium and transaction data by a user, payment transactions can be made without inputting a password according to the contents of the transaction medium. A controller is provided for selectively executing a first transaction processing mode in which the transaction is executed and a second transaction processing mode in which the transaction selected by the user is executed by inputting a password, and the first transaction processing mode is selected. The second transaction processing mode can be selected even when the transaction processing mode is selected.

[Industrial application field]

The present invention uses a card or a bankbook as a transaction medium.

Regarding a transaction selection control method in an automated transaction device that automatically executes transactions based on user input operations.

In particular, automatic transaction devices are widely used in financial institutions to perform automatic transactions using cards or passbooks as transaction media.

In such automatic transaction devices, since users perform input operations themselves, it is desirable to simplify the input operations as much as possible, but on the other hand, permission for transactions is determined based on transaction data of the transaction medium and data input by the user. Therefore, the content of the input operation is important.0 [Prior Art] As shown in Figure 9, the operation sequence of a conventional automatic transaction device starts with the insertion of a transaction medium by the user, and then the The transaction ends by releasing and returning the transaction medium.

That is, when the user inserts the transaction medium into the device.

The contents of the magnetic stripe of the transaction medium are read and the contents of the transaction data are checked.

The magnetic stripe of the transaction medium records 1 issuer 1 locus number, validity code, PIN, etc.

The device side checks whether the issuer code (9) is usable, the account number (9) is not invalid, and the validity code (9) is checked to see if the transaction medium is valid, thereby checking the validity of the transaction medium itself. If this check is valid, the user will be asked to enter their PIN to confirm their identity.

Verify with the PIN on the transaction medium. If the identity verification is successful, the device determines that the transaction is possible.

Once the identity has been verified, the user is then prompted to input the desired transaction amount, and the input operation step is completed.

The host computer then communicates with the host computer based on the input data, and the host computer performs nine account inquiries, updates, etc., determines whether the transaction is permitted or not, and sends a message.

If the transaction is allowed, the transaction will be executed (e.g.

For payments, cash is counted and released) and details are printed on a receipt or passbook.

Finally, the transaction medium is released and the automatic transaction ends.

[Problem that the invention seeks to solve]

In such automated trading, the user is required to perform at least three operations necessary for conventional trading: inserting a transaction medium, entering a PIN, and entering the transaction amount.

Furthermore, in multi-functional machines with transfer and deposit functions,
It is also necessary to input the transaction type.

For this reason, in addition to the problem that it takes a lot of time for the user to operate the transaction, there are also problems that the time required for one transaction is long and the efficiency of use is reduced.

The present invention provides a transaction selection control method for an automatic transaction device that separately provides a transaction processing mode that simplifies input operations for users, facilitates input operations, and allows selection of transactions that cannot be executed in the transaction processing mode. The purpose is to provide

[Failure to solve the problem]

FIG. 1 is a diagram explaining the principle of the present invention.

In the present invention, there are provided a first transaction processing mode in which a payment transaction can be made and a second transaction processing mode in which a plurality of transactions can be made, and the control unit controls these modes according to transaction data (for example, qualification data) of the transaction medium. The mode is automatically selected.

The first transaction processing mode is a mode in which a payment transaction is executed without entering a password, and is a mode that can be used by a specific user.

On the other hand, the second transaction processing mode is a mode in which a selected transaction is executed by entering a password, and is a mode that can be used by a normal user.

Further, even if the first transaction processing mode is selected by the transaction data of the transaction medium, the user can select the second transaction processing mode by indicating the second transaction processing mode.

[For production]

In the present invention, a first transaction processing mode is separately provided in which payment transactions can be made without entering a PIN code, and this mode is made available to specific users, so that input operations in the first transaction processing mode can be easily performed. , trading time can also be shortened.

On the other hand, this first transaction processing mode is a privilege granted when a user performs a payment transaction from the viewpoint of being a good customer or a large customer.

Since it is determined whether the user is a specific user based on the content of the transaction medium, the second transaction processing mode cannot be selected. For this reason, even if the user is determined to be a specific user based on the content of the transaction medium and the first transaction processing mode is selected, the second transaction processing mode can be selected according to the user's instructions. (a) Explanation of the configuration of one embodiment FIG. 2 is an overall configuration diagram of one embodiment of the present invention.

In figure 0, which shows an automated transaction device that allows deposits and withdrawals,
1 is a card reader/receipt issuing machine (hereinafter referred to as CIP) that accepts the user's card CD with magnetic stripe, reads the data of the magnetic stripe MS on the card CD, and prints the embossed part on the card CD on the receipt/journal. Imprint the transaction details, and create a receipt R.
2 is a passbook printer that returns the CP and card CD; 9 accepts the user's passbook PB with magnetic stripe;
Read the magnetic stripe MS of passbook PI13.

In addition, 3 is a banknote counter that prints the transaction details on the bankbook PH and returns the bankbook PB, 9 is a banknote counter that counts and discharges the specified amount of banknotes PC from the banknote storage, and 4 performs the withdrawal operation.
5 is an envelope deposit machine that releases an envelope EV according to instructions, receives the envelope EV in which the user has inserted deposited items such as banknotes PC or check CH, and stores it in the storage;
is an operation panel with a first input key 52 provided on both sides of the panel, a display 51 for guiding the user's operation and defining the input key 52, and a second input key 52 for the user to input data.
An input key 50 is provided.

60 is a main control unit, which is composed of a microcomputer and controls the operation of the entire device by executing a program; 61 is a card control unit, which controls the operation of the CIPI according to instructions from the main control unit 60; 62 is a passbook control unit that controls the operation of the passbook printer 2 according to instructions from the main control unit 60; 63 is a withdrawal control unit;
65 is an operation control section that controls the operation panel 5 according to instructions from the main control section 60.

A memory 66 stores programs and data necessary for the processing operations of the main control unit 60.

67 is a line control unit that exchanges messages with the host computer based on instructions from the main control unit 60; This is a floppy disk drive, which constitutes an external storage device, into which floppy disks 68a and 68b are set.9 For example, the 70-bit disk 68H stores bad accounts, bank table offline transaction data, etc., and the floppy disk 68b 69 is a floppy control unit in which a program is stored, and a main control unit 60
The floppy disk drive 68 is controlled by the instruction to read from and write to the floppy disks 68a and 68b.

Therefore, in this automatic transaction device, a CIPI and a passbook printer 2 are provided as a media handling section, a bill counter 3 is provided as a dispensing section, an envelope depositing machine 4 is provided as a depositing section, and an operation panel 5 is provided as an operating section. It is configured as a multi-functional automated transaction device that allows deposits, withdrawals, and transfers using a card CD or passbook FB.

FIG. 3 is an explanatory diagram of a transaction medium used in the present invention.

The card CD has a magnetic stripe MS as shown in the 32nd prisoner, and the transaction data recorded on the magnetic stripe MS includes customer type GD and credit balance (credit payment amount for a certain period) CC.

The passbook PB also has a magnetic stripe MS on the back cover as shown in Figure 3 (B), and the transaction data recorded on the magnetic stripe MS is the customer type GD and credit balance CC.
is included.

This customer type GD is a type of qualification data determined by the user's grade, and the above-mentioned first transaction processing mode is selected depending on this customer type.

On the other hand, the credit balance CC is provided to limit the payment amount in the first transaction processing mode.

As a result, even if the transaction medium is lost, the damage can be minimized.

(b) Description of operation of one embodiment Figure 4 (5), however, is a transaction processing flow diagram of one embodiment of the present invention. An explanatory diagram of the operation guidance screen, and FIGS. 7 and 8 are explanatory diagrams of bankbook entry.

In this embodiment, the first transaction processing mode (referred to as quick service transaction) can be selected only for payment transactions, which account for more than half of automatic transactions, and quick service transactions cannot be selected for other deposits, balance inquiries, etc. First, a normal second transaction processing mode (referred to as normal transaction) is selected.

■ First, in the standby state waiting for insertion of transaction medium,
The quick service screen shown in FIG. 5 (5) is displayed on the display 51 of the operation panel 5. This quick service screen is a guidance screen that says ``Please insert your card or passbook'' and ``Press the desired transaction button.''
In addition, the first input keys 52 on both sides of the display 51 are for quick service, so the price ranges from ¥1,000 to ¥20.
There is a fixed amount payment definition of ``000 yen payment'' and selectable definitions for other transactions.

In this state, when the card CD is inserted into the CIPI or the passbook FB is inserted into the passbook printer 2, the transaction data on the magnetic stripe MS of the card CD or passbook PB is read by the CIPI or the passbook printer 2, and the transaction data is read by the card control unit 61 or the passbook FB. Transaction data is provided to the main control section 60 via the control section 62 and stored in the magnetic stripe buffer 66bK of the memory 66.

The main control unit 60 checks the validity of the transaction data on the magnetic stripe back arrow 6b. That is.

Issuer code and validity code of transaction data.

Check the validity of account numbers, etc.

■ If even one of the validity checks is found to be invalid, the operation control unit 65 displays the passbook or card release screen shown in Figure 6 (131 or Figure 6 ■) on the operation panel 51 via the operation control unit 65, and The card CD or passbook PB inserted by the printer 2 is returned.

■ On the other hand, if the validity check described above is satisfactory, the main control unit 60 checks the customer type G of the transaction data in the buffer 66b.
Check D and determine whether quick service transactions are possible. If the quick service transaction is possible, record the quick service payment in the active transaction register 66a of the memory 66.

The system waits for input of the first key 52 on the quick service screen shown in FIG. 5(5).

When the user presses any of the first keys 52, the main control unit 60 is notified of the pressed content via the operation control unit 65.

The main control unit 60 checks whether the pressed content is a fixed amount payment or other transaction, and if the other transaction is pressed, it cancels the quick service transaction and cancels the quick service payment in the transaction register 66a in progress in the memory 66.1 Normal transaction Rewrite it as
Proceed to step ■ normal trading.

On the other hand, when the pressed content is fixed amount payment, the main control unit 60 compares the credit balance CC in the buffer 66b of the memory 66 with the input payment transaction amount.

If the payment transaction amount is equal to or greater than the credit balance CC, the quick service transaction is canceled and the current transaction register 66a in the memory 66 is stored.
Cancellation of quick service payments.

Rewrite it to a normal transaction and proceed to the normal transaction in step ■0. Therefore, quick service transactions are only possible for fixed amount payment transactions shown on the screen in Figure 5 (5), and for other amount payment transactions and other The transaction is executed as a normal transaction.

(2) In step (2), if the quick service transaction is not possible, the main control unit 60 sets the contents of the ongoing transaction instruction register 66a in the memory 66 to a normal transaction.

After this, or in the case of canceling the quick service transaction in step ■, you will be asked to enter your PIN.

The main control section 60 causes the display 51 of the operation panel 5 to display the password input screen shown in FIG. 5 via the operation control section 65.

As a result, when the user inputs his/her password using the second key 50, the main/control unit 60 is notified via the operation control unit 65.

The main control unit 60 is a magnetic stripe buffer 6 of a memory 66.
6b's password and Jin's input password are compared and verified.

If this comparison is not satisfactory, return to step (3) and return the card CD or passbook FB.

On the other hand, if the comparison is successful, the main control section 60 displays the transaction selection screen shown in FIG. 5 (Q) on the display 51 of the operation panel 5 via the operation control section 65 in order to input the transaction type.

Users can "pay," "deposit," and "inquire about balance."

Transaction types such as "transaction inquiry" and "transfer" can be input using the first key 52.

When the user selects "Payment" from the first key 52, the operation control section 65 sends the information to the main control section 60, which rewrites the contents of the transaction instruction register 66a in progress to normal transaction payment and also causes the operation control section 65 to Display 5 of intermediary operation panel 5
1, the amount input screen shown in FIG. 50 is displayed.

In this amount input screen, it is r10,000 yen.

"20,000 yen J, [30,000 yen J, l'-500
00 yen" is input less by the first key 52, and other keys are input less by the second key 50.

The user then inputs the payment amount using the first key 52 or the second key 50.

On the other hand, if you select anything other than "Payment" on the transaction selection screen in FIG.
The contents of a are rewritten according to instructions for normal transactions, and the corresponding transaction input processing is executed. For example, for balance inquiries and transaction inquiries, no further input is required and the process proceeds to step ■.
If it is "deposit", the envelope deposit machine 4 is controlled to perform the deposit operation.

If you want to make a “transfer”, you will be asked to enter the amount and the destination of the transfer as described above.

(2) In this way, when the input processing is completed at step (2) or (2), the main control unit 60 creates a message to be sent to the host computer according to the contents of the transaction instruction register 66a. For example, in the case of a quick service transaction, as shown in FIG. 7 (5).

Create a transmission message with the message type (quick service transaction), medium used (card, passbook), etc. as the header, transaction date, input amount9 passbook (or card) data, and 8 normal transactions. If so, as shown in the example of the normal transaction payment message for the 82nd prisoner.

A transmission message is created using the message type (regular payment transaction) and the medium used as headers, and the transaction date, input amount, and input PIN 1 passbook (or card) data as data.

- Then, the main control unit 60 transmits a transmission message to the host computer via the 1-line control unit 67, communicates with the host computer, and displays the communication screen of the 62nd prisoner on the display 51 of the operation panel 5 via the operation control unit 65. Display.

As shown in the 72nd prisoner and Figure 8 (5), upon receiving the transmitted message, the host computer checks the account status from the user's account file, determines whether the transaction is possible, updates the user's file, and executes the transaction. Sends a received message indicating availability.

After the main control unit 60 stores the received message from the line control unit 67 in the message buffer 66G of the memory 66.

Analyze this.

When the main control unit 60 determines through this analysis that transaction disapproval is included in the header of the message, it returns to Step 4 of the 42nd prisoner and returns the card CD or passbook.

(2) Conversely, if the main control unit 60 determines that the transaction is permitted, it determines whether or not it is a quick service transaction based on the contents of the transaction instruction register 66a in progress, and if it is not a quick service transaction, it proceeds to step (2).

When the main control unit 60 determines that the transaction is a quick service transaction, it checks whether the transaction is a card transaction or a passbook transaction.

■ For passbook transactions, the host computer sends the type of message (quick service transaction approval), magnetic stripe data, and print data as a received message as shown in FIG. A withdrawal instruction for the input amount is given to the withdrawal control section 63, and the banknote counting machine 3 performs a counting operation for the instructed amount.

At the same time, the magnetic stripe data and print data are supplied to the passbook control unit 62, and the passbook printer 2 prints the passbook.
The magnetic stripe MS of B is updated and printed.

At this time, only the print data of the transaction is sent from the host computer, and as shown in FIG. 7(B), only one line for the transaction is recorded in the quick service.

In other words, even if there is unrecorded data in the file on the host computer, it will not be sent, and only the relevant transaction will be sent as print data.

To reduce bookkeeping time in quick service and reduce the time required for transactions.

Next, the main control unit 60 causes the display 51 to display the 62nd passbook release screen via the operation control unit 65, and gives a passbook release command to the passbook control unit 62 to cause the second passbook printer 2 to release the passbook FB. .

Furthermore, the main control section 60 causes the display 51 to display the cash dispensing screen shown in FIG. Release the cash and end the transaction.

■ If it is determined in step ■ that it is a card transaction, the main control unit 6
0 gives a withdrawal instruction for the amount inputted in step (2) to the withdrawal control section 63, and causes the 9 bill counter 3 to perform a counting operation for the instructed amount.

At the same time, the main control unit 60 gives the card control unit 61 instructions for printing a receipt, imprinting, and updating the card.
The IPI allows imprinting of the emboss on the card CD, printing of the receipt, and updating of the magnetic stripe MS.

Next, the main control section 60 causes the display 51 to display the card release screen shown in FIG. -) R
Release CP.

Furthermore, the main control section 60 causes the display 51 to display the cash dispensing screen shown in FIG. is released and terminated.

[Phase] When it is determined in step (2) that the transaction is not a quick service transaction (that is, it is a normal transaction), the main control unit 60 determines whether or not the transaction is a card payment based on the contents of the transaction instruction register 66a in progress. For example, step (2) executes a card payment transaction for the amount input in step (2).

On the other hand, if it is not a card payment, it is determined whether it is a card transaction, and if it is a card transaction or a passbook transaction.

Proceed to step ■.

Card transactions (i.e. card deposits, card transfers).

card balance inquiry, etc.), the main control unit 60.

Receipt printing and imprinting on the card control unit 61.

Give the card update instruction and use CIPI to update the card CD.
The upper emboss imprint, receipt printing, and magnetic stripe MS are updated.

Next, the main controller 60 causes the display 51 to display the card release screen shown in FIG. R.C.P.
is released and terminated.

(2) If it is determined in step (2) that the transaction is not a card transaction but a passbook transaction, the main control unit 60 determines whether the transaction is a passbook payment.

When the main control section 60 determines that the payment is for two banknotes, it gives a withdrawal instruction for the amount inputted in step (2) to the withdrawal control section 63, and causes the nine-bill counter 3 to perform a counting operation for the instructed amount.

Along with this, a passbook update instruction is given to the passbook control unit 62.
Magnetic stripe MS on passbook PB by passbook printer 2
will be updated.

Furthermore, the main control section 60 causes the display 51 to display the cash dispensing screen shown in FIG. Release cash.

1 after discharging this counted cash or determining that it is not a passbook payment
Enter the passbook entry step.

That is, the 7 main control unit 60 issues a bookkeeping request to the host computer, and in addition to the received message received in step (3) described above, as shown in FIG. 8(5), the unrecorded (printed) data in the user's file receive.

Then, as shown in FIG. 8(B), the main control unit 60 gives a bookkeeping command and print data to the bankbook control unit 62, and the two bankbook printers 2 sequentially print the unrecorded data on the bankbook FB, and finally, the current transaction Print the data.

Next, the main control section 60 causes the display 51 to display the passbook release screen shown in FIG. is released and terminated.

In this way, one of the quick service transactions 9 and suitable transactions is selected and executed according to the customer type of the transaction data of the card CD or bankbook FB.

In this quick service transaction, only fixed amount payment transactions are possible, so the input operation is completed by simply inputting the key 52 corresponding to the fixed amount displayed on the 52nd prisoner's screen, and the bankbook entry is also done for this time. Only the bookkeeping will be done. Therefore, input operations can be extremely simplified and bookkeeping time can be shortened, so that the time required for one transaction is significantly shortened.

On the other hand, in 2 normal transactions, transactions such as variable amount payment transactions and deposits other than payments are possible, and in this case, as in the past, inputting a password and amount are required as input operations.

In addition, even the unrecorded portions are recorded in the double bankbook as in the conventional case, which is convenient for the bookkeeping contents. .

Also, even if quick service transactions are possible.

Other transactions can be specified in step (2), and in this case, normal transactions, variable amount payments, and other transactions can be performed.

Furthermore, even in quick service transactions, for payment transactions that exceed the credit balance, in order to maintain the security of the transaction, the transaction is switched to 1 normal transaction, and the identity is verified using a password to ensure the safety of the transaction.

This credit balance indicates the possible transaction amount in one day or multiple days, and is updated for each quick service transaction.

(C) Explanation of other embodiments In the embodiments described above, it is possible to use a multi-functional automated teller machine capable of making transfers, deposits, etc., an automatic teller machine capable of only making payments, or a card or Either one of the passbooks may be used as a transaction medium.

Also, in the one bankbook entry step, even unrecorded amounts may be recorded in quick service transactions as well as in normal transactions, and the amount input for quick service transactions may not be a fixed amount, but may be variable.

Furthermore, although the password is checked on the terminal side, it may be checked on the host computer. The present invention has been described above with reference to embodiments, but the present invention can be modified in various ways according to the spirit of the present invention. .

These are not excluded from the present invention.

〔Effect of the invention〕

As explained above, according to the second aspect of the present invention, the first transaction processing mode without entering a password is separately provided, and the input operation in the first transaction processing mode is enabled depending on the content of the transaction medium, so the input operation is easy. This has the effect of reducing the burden on users.

At the same time, it has the effect of shortening the time required for transactions, thereby shortening the transaction time for users, contributing to improved services, and also providing benefits for institution establishments, such as improving usage efficiency.

Furthermore, even if the first transaction processing mode is selected by the transaction medium, the second transaction processing mode can be selected by the user's instructions. This has the effect of enabling the use of other transactions in the same transaction processing mode, and does not limit the range of transactions that can be used by a particular user.

[Brief explanation of drawings]

FIG. 1 is a diagram explaining the principle of the present invention. FIG. 2 is a configuration diagram of an embodiment of the present invention. FIG. 3 is an explanatory diagram of a transaction medium used in the present invention. FIGS. 4(5) and 4(B) are transaction processing flow diagrams according to an embodiment of the present invention. FIG. 5 and FIG. 6 are explanatory diagrams of the operation guidance screen used in the present invention. FIG. 7 is an explanatory diagram of bankbook entry in quick service. FIG. 8 is an explanatory diagram of bankbook entry in normal service. FIG. 9 is an explanatory diagram of the prior art. In the figure, 1... Card reader/receipt issuing machine (reading means). 2...Passbook printer (reading means). 5...Operation panel (input means). 60...control unit.

Claims (1)

[Claims] Reading means (1,
2), an input means (5) for the user to input instructed data, a first transaction processing mode for executing the payment transaction without the user's password input, and a first transaction processing mode for executing the payment transaction without the user's password input; a control unit (60) that selectively executes a second transaction processing mode for executing the selected transaction according to the content of the read transaction data;
and the control unit (60) controls the input means (60) when the first transaction processing mode is selected according to the content of the transaction data.
5) A transaction selection control method for an automatic transaction device, characterized in that the second transaction processing mode is executed in response to the instruction of the second transaction processing mode.