JPS62190557A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To inhibit the acceptance of transaction classifications requiring the intervention of an operator when the operator is absent, by providing an automatic processing machine, an operator's seat, and a switching means which inhibits/permits transactions requiring the intervention of the operator. CONSTITUTION:Normally, an inhibition/permission switching means 3 is switched to the permission side. The acceptance processing of a transaction is performed by an automatic accepting machine 1a for customers, and a number cad is issued, and the transaction processing requiring an automatic processing device 4 or the intervention of the operator is performed at an operator's seat 5. When the operator leaves the seat or a system is operated outside the business hours or an holidays, the inhibition/permission switching means 3 is switched to the inhibition side to invalidate the designation of transactions requiring the intervention of the operator. Thus, complicated transactions are accepted automatically only of the presence of the operator to reduce the labor and improve the service, and the system functions as a processing machine of simple transactions when it is operated on holidays or the like or the operator is absent.

Description

[Detailed Description of the Invention] [Summary] After a transaction is accepted by an automatic reception device at a counter in a financial institution, etc., a reception number tag is issued, and the transaction is processed.
An automatic transaction system in which a reception number is notified by an automatic return device and transaction goods are released when a reception number tag is inserted,
Automatic processing devices that automatically process transactions, operator seats that process transactions by operators, and types of transactions that require operator intervention are prohibited.
By providing a prohibition/cancellation switching means, it is possible to open new accounts, conduct check transactions, and other complex transactions.
Further, it is possible to prohibit the acceptance of transaction types that require operator intervention when the operator is away from the desk, or during off-hours or holiday operations.

[Scope of industrial use]

The present invention relates to an automatic transaction system in financial institutions, etc., and in particular, it is capable of performing complex transactions such as opening new accounts and checking transactions, and prohibiting/cancelling transactions that require operator intervention. This relates to an automated trading system that allows for

Recently, automatic deposit dispensing machines (Auto
omatic Teller Machine: Hereafter A
Transactions using automatic transaction devices such as TM) have become widespread.

Simple transactions such as deposits and withdrawals can be performed at these ATMs, but complex transactions such as issuing a passbook by opening a new account and transactions involving large amounts of money cannot be performed at these ATMs, so these transactions are handled by tellers at the counter. Therefore, we have developed a system that does this automatically, and also prohibits some complex transactions that require operator intervention when the operator is away from the desk, or when operating after hours or on holidays, and allows automatic processing and cash registers. desired.

[Conventional technology]

In financial institutions, transactions such as deposits, withdrawals, 1ffl book entries, balance inquiries, and transfer processing are mainly performed automatically by users' operations on ATVs and the like.

In addition, complex transactions such as new account openings, cancellations, check transactions, tax reserve deposits, and handling of large amounts of money are handled by tellers at counters. Attempts have been made to develop an automated automatic deposit/withdrawal system in which cash is transported to a cash storage machine, and in response to a withdrawal request, an automatic teller machine counts and withdraws the money, and the carrier transports the money to a counter.

[Problem that the invention seeks to solve]

In the conventional method described above, a teller handles complex transactions and large amounts of money that cannot be processed by automatic transaction devices such as ATMs at the teller counter. It requires a lot of , as well as opening and canceling new accounts.

Complex transactions such as tax reserve deposits not only require a large number of tellers, but also require a long waiting time for customers.

[Means for solving problems]

FIG. 1 is a block diagram of the principle of the present invention. In the figure,
1 is an automatic reception device having a number plate issuing means 2 for accepting a transaction and issuing a reception number plate by the customer's operation of specifying the transaction type and inserting the goods necessary for the specified transaction; 3 is an automatic reception device that requires operator intervention; prohibition/cancellation switching means for prohibiting/cancelling transactions of the transaction type; 4 has a function of performing multiple types of transaction processing without requiring operator intervention; a processing device; 5 is an operator's seat where the operator performs transaction processing such as seal verification; 6 is a notification means for notifying the corresponding reception number when the transaction processing is completed; 7 is the reception number after notification by the notification means 6; 8 is an automatic return device that sends out and returns transaction items by inserting a tag; Alternatively, it is a transfer means that transfers the goods to the operator's seat 5 and, after transaction processing, transfers the transaction goods from the automatic processing device 4 or the operator's seat 5 to the automatic return device 7.

Therefore, the automatic reception device l processes the transaction, the number plate issuing means 2 issues a reception number plate, and the automatic processing device 4
After the transaction processing is completed by the notification means 6, the operator disables the operation designation of the transaction type that requires the intervention of inserting the reception number tag of the reception number notified by the notification means 6, and only when the prohibition/cancellation switching means 3 switches to cancellation. The system is configured to perform transaction processing of transaction types that require the intervention of

[Effect]

Under normal conditions, the prohibition/cancellation switching means 3 is switched to cancellation, and the customer specifies the transaction type using the automatic reception device 1, and the automatic processing device 3 processes the transaction based on the reception process for the goods required for the transaction type. , or transaction processing requiring operator intervention is performed at the operator seat 5.

When the transaction process is completed and the transaction item is transferred to the automatic return device 7 by the transfer means 8, the corresponding reception number is notified by the notification means 6.

Then, when the receipt number tag is inserted into the automatic return device q, the transaction item is sent out and returned.

Here, when the operator is away from his/her seat, or when operating after hours or on holidays, the prohibition/cancellation switching means 3 is switched to prohibit, and by invalidating the operation specification of the transaction type that requires the operator's intervention, the operator It is possible to save labor and improve service by automatically accepting complex transactions only during intervention, and when the operator is absent, such as during holidays, the device can be used as a processing machine for simple transactions.

〔Example〕

Hereinafter, the present invention will be explained in detail with reference to FIGS. 2 and 3. FIG. 2 is a block diagram showing an embodiment according to the present invention;
FIG. 3 is a flowchart of FIG. 2. The same reference numerals refer to the same objects throughout the design. In FIG. 2, parts corresponding to those in FIG. 1 are shown surrounded by a dashed line.

In FIG. 2, automatic reception machine 1a and automatic return machine 78
are provided in the window loss regions 9a and 9b, and the automatic processing 1
14a, 4b, and an operator seat 5a are provided at processing stations 90-9e behind the window loss sections 9a, 9b. Delivery mechanisms 10a to 10 are provided in the window loss regions 9a and 9b and the processing stations 90 to 9e, respectively.
e are provided and connected by a conveyor rail 8a. It runs on the conveyor rail 8a by a beam near motor.

A carrier 11 is arranged.

Items required depending on the transaction and type of transaction, i.e. cards,
It has a function of accepting a transaction by inserting a slip 1 bankbook, cash, check, etc., and issuing a reception number tag from the number tag issuing section 2a. The reception number tag has a visible number written on the front, and the number is magnetically recorded on the magnetic stripe on the back.

The prohibition/cancellation changeover switch 3a is provided on the operation display panel 13 operated by the operator at the operator's seat 5a, and is a switch for switching prohibition/cancellation of transaction types that require operator intervention.

The prohibition/cancellation switching section 3b is controlled by a system control device 12, which will be described later.
The prohibition/cancellation changeover switch 3a is provided to control the prohibition/cancellation of transactions of transaction types that require operator intervention based on the switching instruction operation of the prohibition/cancellation changeover switch 3a or the registration/cancellation operation of the person in charge using the operator card.

The automatic processing machine 4a has a function of processing the receipt and disbursement of paper sheets such as cash.

The automatic processing machine 4b inputs the account number and the customer's name in the case of carryover due to expiry of the passbook or opening of a new account.

It also has the function of printing the necessary amount, etc., and issuing a passbook.

The operator seat 5a is a seat where an operator is placed to perform processing 9 that requires operator intervention, such as seal verification.

The automatic return machine 7a includes a number plate receiving section 7b and a return section 7c.

and a number notification unit 6a, and the number notification unit 6, such as an optical display board, displays the corresponding reception number when the transaction process is completed.
1 by a, for example, by a method such as an optical dial display, and when the customer inserts the receipt number η ticket into the number ticket receiving part 7b, i! is written on the magnetic stripe. It has a function of reading and confirming the received reception number, opening a shutter (not shown), and sending out the transaction item from the return section 7C.

The delivery mechanisms 10a to 10e include an automatic reception machine 1a, automatic processing 414a, 4b, operator seat 5a, and automatic return@
A card, a slip, and cash were exchanged between 78 and Carrier 11.

It is also a mechanism for loading/unloading checks, etc.

The system control device 12 monitors transactions accepted by the automatic reception machine 1a, the reception number memo 2a that stores the reception numbers in correspondence with each other, the prohibition/cancellation switching section 3b, and the operating status of the shutter. , and the balance 9 of automatic processing machines 4a and 4b
The automatic reception machine 1a is equipped with an operation display panel 13 having an operation button 13a for managing cash book balances and the like, and the prohibition/cancellation switch 3a.

Automatic processing machine 4a + 41) + automatic return machine 7a, delivery mechanism 1
It has a function of controlling the drive of carriers 0a to 10e and the carrier 10.

Since it has such a configuration and function, the effect shown in FIG. To explain, ■ First, the customer operates the operation display section lb of the automatic reception machine 1a at the counter to specify the desired transaction type, and according to the displayed guidance, selects the items necessary for the transaction, that is, a card, a slip, a passbook, etc. When cash, a check, etc., or multiple items are inserted, the transaction is accepted.

■When the reception process is performed, the system control device 12
will be notified, and a reception number will be issued by Uke 2i+ in association with the transaction.

■The customer takes the reception number plate from the police box and waits.

■According to the instructions of the system control device 12 according to the contents of the received transaction, the received items are loaded onto the carrier 11 and transported to any of the processing stations 90 to 9c, and are automatically processed a4a.
, 4b, or if manual processing of the received items is required, the processing is performed at the operator's seat 5a.

■When the transaction processing is completed in this way, the system control device 12
A directive was issued and carrier 11 ordered the transaction goods.

That is, one cash passbook or the like is transported to the automatic return a7a.

■When the transaction items are collected in the automatic return machine 7B, the system control device 12 is notified, and the reception number corresponding to the transaction is read from the reception number memory 12a and notified by the number notification unit 6a, requesting the transaction. Call the customer.

■When the customer inserts the reception number plate into the number plate receiving section 7b of the automatic return machine 7a, the reception number is read and confirmed, and a shutter (not shown) of the return section 7c opens, allowing the customer to pick up and receive the transaction item. can.

In this way, it is possible to process not only simple transactions that can be processed by ATMs, etc., but also complex transactions that cannot be processed by ATVs, but if the operator is not present at the operator seat 5a, transactions that require operator intervention can be processed. In addition, on peak trading days, transactions that require processing by an operator that takes time to process are not accepted and are processed at a separate counter, and other automated transaction processing is accepted.

and may be used to prohibit operator-mediated transactions to facilitate processing.

That is, this will be explained using the flowchart of FIG. 3(b).

(1) First, the operator operates the prohibition/cancellation changeover switch 3a on the operation display panel 13 to change to prohibition.

■Then, the command from the prohibition/cancellation switching section 3b prohibits the acceptance of transaction types 5, such as checks and slips that require the intervention of the operator of the automatic reception machine 1a, and the operation display section lb. “Discontinued” for the corresponding transaction type will be displayed.

■The customer then makes a request directly to the teller at the counter for the relevant transaction type, and the teller processes the request.

In this way, it is possible to temporarily prohibit transactions involving an operator by the automatic receptionist Illa.

Therefore, the processing time can be shortened by automatic processing of complex transactions, and security is improved by inserting a receipt number tag to return the transaction.In addition, when the operator is absent due to off-hours, holidays, or away from the desk, or when there is a conflict in complex transactions, By temporarily prohibiting transactions that require operator intervention, it is possible to improve services, such as shortening customer waiting time.

In the above example, automatic reception a I a and automatic return machine 7
Although we have described the case where only one A is installed at each counter, by installing a plurality of each, countermeasures against downtime can be taken, and system operation and service can be further improved.

Furthermore, in the above example, the carrier 11 is used in which the carrier 11 is moved on the conveyor rail 8a by a linear motor, but other conveyance methods may also be used. For example, the same effect can be obtained even if the carrier 11 is used in the case of conveyance by a conveyor. It will be done.

〔Effect of the invention〕

As explained above, according to the present invention, (1) complex transactions that cannot be processed by current automatic transaction devices such as ATMs, and transactions involving large amounts of money, etc. become possible;

■A number tag is issued only for items that have been accepted and processed by an automatic transaction device, and returned items can be collected using only the number tag, improving safety.

Simple transactions can be processed automatically even when special operators are absent, such as after hours or on holidays.Also, when complex transactions become too complicated, transactions that require operator intervention can be temporarily stopped and only automatic processing can be performed. Therefore, the device can be used effectively.

■It is possible to automate the reception to return operations at financial institutions, and to prohibit/cancel reception of transaction types that require operator intervention on automatic reception devices, and■,■
This makes it possible to reduce customer waiting time and improve service.

There is an effect.

[Brief explanation of drawings]

FIG. 1 is a block diagram of the principle of the present invention, FIG. 2 is a block diagram showing an embodiment of the present invention, and FIG. 3 is a flowchart of FIG. 2. In the figure, 1 is an automatic reception device, 1a is an automatic reception machine, 1 is an operation display section, 1c is an insertion section, 2 is a number plate issuing means,
2a is a number plate issuing unit, 3 is a prohibition/cancellation switching means, 3a is a prohibition/cancellation switch, 4 is an automatic processing device, 4a + 4b is an automatic processing machine, 5.5a is an operator seat, and 6 is a notification means , 6a is a number notification unit, 7 is an automatic return device, 7a is an automatic return machine, 8 is a transfer means, 8a is a conveyance rail, 9a and 9b are window loss stations, 90 to 9e are processing stations, 10a to loe are delivery mechanisms, 11 is a carrier, 12 is a system control device, 12a is a reception number memory, 13 is an operation display panel, and 13a is an operation button. (Figure 3 (1)) i Bellator mediated transaction tV subsidence Figure 3

Claims (1)

[Scope of Claims] At least one device comprising a number plate issuing means (2) for issuing a reception number plate after a transaction is accepted by a user's transaction type designation operation and insertion of goods necessary for the specified transaction. automatic reception device (1); prohibition/cancellation switching means (3) for prohibiting/cancelling transaction acceptance of transaction types that require operator intervention; and multiple types of transaction processing that do not require operator intervention. an automatic processing device (4) having a function of performing transaction processing based on the reception processing;
an operator seat (5) where an operator performs transaction processing of a type of transaction that requires the operator's intervention; and a notification means (6) that notifies the reception number of the corresponding reception number plate when the transaction processing is completed. ) and the notification means (
At least one automatic return device (7) that releases the transaction goods upon insertion of the reception number tag after notification by 6); and at least one automatic return device (7) that releases the transaction goods upon insertion of the reception number tag; and (4) or a transfer means (8) for transferring the discharged article to the operator's seat (5) and transferring the discharged article from the automatic processing device (4) or the operator's seat (5) to the automatic return device (7); When the prohibition/cancellation switching means (3) switches to prohibition, the operation designation of the transaction type that requires the intervention of the operator is invalidated, and when the prohibition/cancellation switching means (3) switches to cancellation. An automated trading system characterized in that transaction processing is performed by only accepting transactions of a type that requires the intervention of the operator.