JPS62221773A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To eliminate useless waiting time for customers by producing a deposit receipt of a medium in case it is impossible to return the medium like a card, a bankbook, etc., to a customer owing to occurrence of a fault. CONSTITUTION:A remote supervising device RMC 4 is set at a master store 1 of a banking organ; while an RMC 5 and an automatic teller machine ATM 6 are provided to a slave store 2. A customer control panel of the ATM 6 has a bankbook slot 62, a card slit 63, a note slit 64, a CRT 56 and a coin port 67. If a card jam occurs, a control part of the ATM 6 transmits a fault telegram and the RMC 4 sends an action indicating telegram. Then the control part of the ATM 6 print out a deposit receipt, collecting the card, applying a resetting action while holding the card or returns the card according to the action indicating contents. When the card is collected, the deposit receipt is printed and delivered through the slot 62.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field The present invention relates to an automatic transaction processing device that processes transactions such as deposits and withdrawals by inserting a medium such as a card or a bank account book.

(b1 Overview of the Invention This invention number) This automatic transaction processing device issues a medium deposit key to the customer when the medium such as a card, deposit 1111M, etc. cannot be returned due to the occurrence of a failure etc. during transaction processing operation. A means of issuing a deposit receipt has been established.

This makes it possible to eliminate unnecessary waiting time for customers even if the above-mentioned failure occurs in an automatic transaction processing device in which the clerk cannot go to troubleshoot the problem.

(C1 Conventional technology In automatic transaction processing equipment installed in financial institutions, a card used to identify deposit accounts and customers in order to conduct legitimate transactions is required to insert a medium such as V or deposit path width. After the transaction is completed, such media are ejected and returned to the customer.

Problems that the ld1 invention aims to solve By the way, in automatic transaction processing devices, inserted media may get caught or caught in the device, making it impossible to return the media to the customer. .

In the past, when such a failure occurred, a staff member would open the device, remove the media, and return it to the customer.

However, when mechanized stores and automated transaction processing equipment are in operation on holidays, there are often no staff members stationed at the location, and it takes a very long time for staff to go to the location where the equipment is installed. As a result, customers are forced to wait for a long time, which impairs the smoothness of transaction processing in an unmanned automatic transaction processing device.

In view of these problems, the present invention is designed to issue a receipt for the medium when the medium cannot be returned, so that even if a failure occurs that prevents the medium from being returned, the customer can be notified on the spot. To provide an automatic transaction processing device that does not keep people waiting for a long time.

Means for solving the fe1 problem This invention provides a means for solving the problem when the inserted medium becomes unreturnable.
The present invention is characterized by providing a deposit receipt issuing means for issuing a deposit receipt for the medium.

(f1 Effect) When a medium becomes unreturnable, the automatic transaction processing device of the present invention issues a receipt for the medium in place of the medium.

The customer receives this receipt.

At a later date, if you present this receipt at a store where a staff member is stationed, you can retrieve the media that was not returned.

(gl Embodiment Figure 2 is a diagram showing the configuration of an automatic transaction processing system including an ATM (automated teller machine) which is an embodiment of the present invention. A remote monitoring device (RMC) 4 is installed at the store) ■.

This RMC4 not only monitors the automatic transaction processing equipment in the store (1!
It is connected to C and automatic transaction processing equipment.

Child store 2 is a general store, with RMC5 and A
TM6 is installed. On weekdays, staff will use AT at RMC5.
We are monitoring M6, but no staff are stationed at this store on holidays. Therefore, when the ATM 6 is operated on holidays, the RMC 5 communicates with the RMC of the main store 1 via the modem-line.
RMC 4 is connected to RMC 4, and all information of ATM 6 is transmitted to this RMC 4.

Furthermore, a CD (automatic cash dispensing device) 7 is installed in the mechanized store 3. This CD 7 is connected to the RMC 4 of the main store 1 via a modem line, and is constantly monitored by this RMC 4.

FIG. 3 is an external view of the ATM 6 which is an embodiment of the present invention. On the vertical panel surface of the customer operation panel of this ATM 6, there is a handling display 61.
A passbook insertion slot 62 for inserting a deposit passbook and a card insertion slot 63 for inserting a card are installed, and a banknote deposit/withdrawal slot 64 is provided on the horizontal panel surface. A CRT 65 and a coin withdrawal section 67 are installed. A panel switch 66 is attached to the surface of the CRT 65 to detect whether or not a finger or the like touches the CRT 65 and its position. At each stage of a transaction, a transaction selection key and a numeric keypad are displayed on the CRT 65, and the touch panel switch 66 detects the depression of these keys by the customer. A deposit passbook is inserted into the passbook insertion slot 62.

In addition to being ejected, transaction slips and card deposit slips will also be ejected if the card cannot be returned.

FIG. 4 is a block diagram of the control section of the ATM 6. This control section is composed of a so-called master-slave system in which a main control section that controls the operation of the entire device and an auxiliary control section that controls the operation of the individual operating sections are connected via a bus.

The main control unit 11 includes a master CPU (M-CPU) 10, a ROM 10a that stores a control program, and a RAM 10.
The auxiliary control units 132 to 13f are slave C.
PU (S-CPU) 12a to 12f, 5-CPU each
ROMs 24a to 24f that store operating programs, and RAMs 25a to 25 that store various input and output data.
It is composed of f.

A banknote deposit and withdrawal machine 14 that counts and discharges banknotes to the deposit and withdrawal port 4 is connected to the auxiliary control unit 13a. A pill checker 15 is connected to the auxiliary control unit 13b for determining the authenticity of banknotes deposited through the deposit/withdrawal port 4. The auxiliary control unit 13c has a slip issuing a16 that issues a transaction statement slip.
A card reader 17 that reads a card inserted from the card insertion slot 63 is connected to the card reader 17 . Slip issuing machine 16
It also has the function of issuing a receipt for a medium (card) when it becomes unreturnable. A passbook printing machine 18 that prints transaction results on a passbook is connected to the auxiliary control unit 13d. A key manual device 21 including the touch panel switch 6 and a display unit 22 including the CRT 5 are connected to the auxiliary control unit 13e. A coin processing machine 19 that processes coin deposits and withdrawals from the coin deposit and withdrawal port 67 is connected to the auxiliary control section 13f. Further, a transmission control unit 20 for communicating with the center via a dedicated line is connected to the internal bus. This transmission control section has a transaction system transmission section that communicates with a center provided with a deposit account file via a dedicated line, and a monitoring system transmission section that is connected to the RMC 5.

FIG. 1 is a flowchart 1 showing the operation of the control section when a card jam occurs during the holiday operation of A'rM6. When a card jam occurs, a fault message reporting the card jam is sent in step nl (hereinafter, step n i is simply referred to as ni).

This fault message is transmitted to RMC4 via RM C5. The RM C4 displays the contents of this message on the display and accepts operation instruction input by the staff member.

When this input is done, the contents are sent as a telegram to the ATM6.
Send to.

The control unit of the ATM 6 receives this message at n2. At n3, the content of the action instruction contained in the message is determined and the corresponding action is performed.

Here, the operation instructions included in the message include printing the receipt (n4) and collecting the card (n4).
5), Reset while holding the card (n6)
, return the card (nl). Of these, n5 to n7 are operations for failure recovery. When this failure recovery operation is performed, after the operation, it is determined whether or not the jammed card still remains in the device (n9, n10). If no card remains, the card jam has been cleared, so reset the device to its initial state (n1l), print the processing details on the journal (
n12), sends a message reporting the processing result to the RMC 4 (n13) and ends the operation.

However, in the case of card collection (n5), since the card has not been returned to the customer, the receipt is printed and released (n4, n8) before the ni1 or lower glue setting operation.

If the jammed card remains as determined by n9, the process returns to nl and sends the fault message to RMC4 again. The RMC4 staff further determines whether or not to perform the next failure recovery operation, and if so, sends the instruction message to the RM.
Send via C4. If it is determined that it is impossible to recover from the failure by remote control, that is, it is impossible to return the card, a message with the receipt certificate printed will be sent and the card will be sent to the ATM6.
The control unit receives the message at n2. In this case, the operation proceeds from n3 to n4, and after the receipt is printed by the slip issuing machine 16, the receipt is released from the passbook insertion slot 62 (n8).

Figure 5 shows an example of a receipt. The receipt 50 contains the store name (■) that identifies the automatic transaction processing device that went down with the card still inserted, the equipment number (■), the date of the accident (■), and the identification number (■) of the card that cannot be returned.

The name of the store where you are returning the card will be printed and released. In the case of a general so-called cash card, the card identification number is the deposit account number. In addition, if the downed device is a general store, the name of the store where the card is returned will be printed as ``C] store'' because the device can be returned at the store's counter, but if it is a mechanized store, the device will be monitored. , the name of the store maintaining the product is printed.

The above describes the first embodiment of the ATMJ which issues a deposit slip when a jam occurs in the inserted card. Next, we will discuss the second embodiment, ``A T that issues a deposit receipt when a jam occurs in the inserted bankbook.
MJ will be explained. This ATM is exactly the same as the ATM of the tenth embodiment in its device configuration.

FIG. 6 shows a flowchart 1 of the operation of the control unit when a medium jam occurs in this ATM during holiday operation. When a bankbook jam occurs, a failure message reporting the bankbook jam is sent at n21.

This fault message is transmitted to RMC4 via RMC5. The RMC 4 displays the contents of this message on the display and accepts input of operation instructions from the staff member. When this input is made, the contents are converted into a telegram and sent to the ATM 6.

The control unit of the ATM 6 receives this message at n22. n2
In step 3, the content of the action instruction contained in the message is determined and the corresponding action is performed.

Here, the operation instructions included in the message are: print the receipt (n24), collect the passbook (n25), hang the passbook while holding it (n26), and return the passbook (n27). It is either one of these. Of these, n2
5 to n27 are operations for failure recovery. If this fault recovery operation is performed and 1 is returned, it is determined whether or not the jammed passbook still remains in the device after that operation (n29, n30)
. If there is no passbook left, the passbook jam has been cleared and you can reset the device to its initial state (n 31).
), prints the processing details on the journal (n32), and sends a message reporting the processing results to the RMC 4 (n3).
3) Finish the movement. However, in the case of passbook collection (n25), since the passbook has not been returned to the customer, the deposit receipt must be printed and released (n24.n) before the reset operation below n31.
28) Do.

If the jammed passbook remains as determined by N29, return to N21 and send the fault message again to RMC4.
Send to. The RMC4 staff further determines whether or not to perform the next failure recovery operation, and if so, sends the instruction message to R.
Send via MC4. If it is determined that it is impossible to recover from the failure by remote control, that is, the passbook cannot be returned, a message with the deposit account printed will be sent and the AT
The control unit of M6 receives the message at n22. In this case, the operation proceeds from n23 to n24, and after the receipt is printed by the slip issuing machine 16, the receipt is released from the passbook insertion slot 62 (n2B).

Figure 7 shows an example of a receipt. The receipt 51 contains the name of the store that identifies the automatic transaction processing device that went down with the passbook still inserted, the device number, the date of the accident, the identification number of the passbook that cannot be returned, and the name of the store where the passbook is to be returned. ■ is printed and released. The identification number of the passbook is the deposit account number. In addition, if the device that went down is a regular store, the name of the store where you are returning the passbook will be printed as [this store] because you can return it at the store's counter, but if it is a mechanized store, the device will be monitored. , the name of the store maintaining the product is printed.

The slip certificate issuing machine 16 and n4. n8 or n24.
n28 corresponds to the "deposit receipt issuing means" of this invention.

Further, the first embodiment and the second embodiment have the same A
It is also possible to apply it to TM, in which case a deposit receipt can be issued even if either a card jam or a passbook jam occurs at an ATM.

Effects of the fh1 invention As described above, according to this invention, when a jam occurs in the inserted medium such as a card or passbook and the system goes down, the customer receives the issued receipt for the medium and returns the card on the spot. can leave. If the user goes to the store specified on the receipt at a later date, he or she can identify the customer and the medium using the receipt and receive the return of the medium.

As a result, even if it becomes impossible to return the media due to a problem such as a jam, the customer does not have to wait for the staff to correct the problem, and the work of the staff can be reduced because the problem can be handled remotely. be able to.

As a result, there is an advantage that it becomes easy to deal with downtime of mechanized stores and automatic transaction processing devices during holidays and the like.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing the operation of the control unit of an ATM according to an embodiment of the present invention when a card is jammed, FIG. 2 is a diagram showing the configuration of an automatic transaction processing system including the above-mentioned ATM, and FIG. FIG. 4 is a block diagram of the control section of the ATM, and FIG. 5 is a diagram showing an example of a card receipt issued by the ATM. FIG. 6 is a flowchart showing the operation of the control unit of an ATM according to another embodiment of the present invention when a bankbook is jammed, and FIG. 7 is a diagram showing an example of a bankbook deposit certificate issued by the ATM. 6-ATM, 7-CD. 16-Voucher issuing machine, 50.51-Deposit receipt.

Claims (3)

[Claims] (1) An automatic transaction processing device that processes transactions when a customer inserts a medium and performs a prescribed operation, and when the inserted medium becomes unreturnable, a depository for the medium is issued. An automatic transaction processing device characterized by having a certificate issuing means. (2) The automatic transaction processing device according to claim 1, wherein the medium is a card. (3) The medium is a bankbook.
Automatic transaction processing device described in Section 1.