JPS622359A - Cash automatic transaction system - Google Patents

Abstract

PURPOSE:To inform an unentered transaction state which is not printed in a backhook, to a user, even in case of a transaction which has utilized only a card, by receiving the unentered data from a CPU, and printing and emitting it to a detailed statement. CONSTITUTION:In case of a transaction which has utilized only a card, a data 13 for indicating its fact is inputted in a transmitting telegraphic message of a cash automatic transacting device (ATM) 1, and sent to a CPU 11 through a communication line 10. The CPU 11 detects the data in the telegraphic message, and determines a processing of an unentered data. The CPU 11 reads out the unentered data without erasing it from a deposit data file 12, and answers an unentered data telegraphic message 15 from the CPU 1 together with a general reply telegraphic message 14. This reply is displayed on a guidance indicator as a reply of an unentered data balance inquiry by the ATM. According to this constitution, whether a salary has been transfered or not, and whether drawing has been ended or not can be judged, and its detailed statement can be printed and emitted as necessary.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention particularly relates to a convenient automated cash transaction system that informs customers of current transaction status.

[Background of the invention]

If you use a conventional automatic teller machine (hereinafter abbreviated as ATM) using only a card, the data will be recorded at the center as unrecorded data, and you will have to bring your passbook with you in order to know the contents.

Japanese Patent Laid-Open No. 55-65475 describes a method for printing on transaction statements without having to bring a bankbook, but with this method, the statement becomes a substitute for the bankbook, and you can later print it on the official bankbook. could not be printed either.

[Purpose of the invention]

An object of the present invention is to pressure users to inform them of the status of unrecorded Q transactions that are not printed in the passbook, even if the transaction is made using only a card.

[Summary of the invention]

The present invention is characterized in that even in transactions using only a card, unrecorded data is received from the central processing unit and the data is sent to the statement slip.

Embodiments of the present invention will be described in detail below using figures.

FIG. 1 is an ATM based on the present invention. In this figure,
The ATM1 includes an operation guidance display 2, operation buttons 5 for selecting transactions and inputting amounts, a banknote deposit/withdrawal machine 4, a card reading/accumulation machine 5, a statement issuing machine 6 for printing/discharging transaction statements, and a passbook. A passbook printing machine 7 was installed that prints the following, and general bank transactions such as ``deposit'', ``payment 1'', ``balance inquiry'', ``passbook entry'', and ``transfer'' can now be performed automatically. ing.

FIG. 2 shows the internal configuration of the ATM, and numbers 2 to 7 are the same as in FIG. 1. Reference numeral 8 represents a communication control unit for transmitting and receiving data on a communication line, and 9 represents an ATM control unit including a microprocessor. 1o indicates a communication line.

The fifth row shows that a plurality of ATMIs are connected to the central processing unit 11 via the communication line 10. In this figure, 12 is a deposit data file system in which transaction customer data is stored. This transaction data includes "account number,""name,""balance," etc., but generally unrecorded data is also stored. Unrecorded data is transaction data that is not recorded in a bankbook, such as payment by card, automatic withdrawal of utility charges such as electricity and telephone, and data on salary transfer.

The gist of the present invention is to provide this unrecorded data to ATM customers who did not bring their bankbooks with them, and to inform them of the customer's current transaction status. This will be explained in detail below.

FIG. 5 shows a flow of providing unrecorded data in a balance inquiry among transactions at an ATM.

When the transaction customer presses the "Balance Inquiry" operation button (1), "Please insert your card" will be displayed on the guidance display (2), and then insert the card into the card reading/honoring machine (3). ), the ATM reads the card and determines whether it can be used, and if it is possible, displays on the guidance display ``Please press your PIN number'' (4). When the transaction customer inputs his or her personal identification number using the operation button (5), the ATM checks the personal identification number and, if it is correct, sends an inquiry message to the communication line. The central processing unit (center) creates a response message based on the inquiry message sent from the ATM and sends it back to the ATM. The processing on the center side at this time will be explained using FIG.

In FIG. 6, data 13 indicating whether the transaction is a passbook transaction is included in the message transmitted by the ATM, and data 15 indicating the nature of the transaction is included in the case of a transaction using only a card. On the center side, data 1 in the message from the ATM
5 and decide what to do with the unrecorded data. That is, generally, unrecorded data is deleted from the deposit data file system when it is printed on the passbook.

Therefore, it is necessary to prevent unrecorded data from being erased by transactions using only cards. Therefore, if the data 15 of the ATM transmission message is a card-only transaction, the unrecorded data is read from the deposit data file without being deleted, and the unrecorded data message 15 is returned from the center along with the general response message 14. When the ATM receives this response data, the unrecorded data is displayed on the guidance display as a response to the balance inquiry (FIG. 5 (8)).

A display example is shown in FIG. In this display example, unrecorded data is displayed as a passbook image, but comments for each transaction may also be displayed.

When unrecorded data is displayed in this way, it can be determined whether the salary has been transferred or not, and whether the withdrawal has been completed. Next, if the transaction customer needs a statement slip, he or she should press the statement button shown in FIG. 7, and those who do not need it should press the confirmation button.

In Fig. 5, when the statement button is pressed (9), the statement issuing machine prints the statement 6r3 and releases the statement 61
). An example of this printing is shown in FIG.

In this printing example, in addition to the conventional printing of transaction details (details omitted), unrecorded data is also printed.

Also, when the trading customer presses the confirmation button (9), it will be displayed.

The card disappears, the card is returned, and the 62 transaction is completed.

What has been described above is one embodiment of the present invention, and various modifications are possible. Figure 4 is an example of this modification. (It shows that up to C it is the same as Figure 5, but from (8) onwards, the unrecorded data is not displayed on the guidance display, but directly on the statement form. This is an example of printing and emitting.

Further, the printing of unrecorded data is not limited to the above-mentioned balance inquiry transaction, but also can improve the service to customers by printing it on the statement slip as shown in FIG. 8 during the payment process.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to know the transaction status even when using a card, and even if the user does not bring a bankbook, it is possible to conduct reliable transactions according to the transaction status.

[Brief explanation of the drawing]

Figure 1 is a diagram showing the external appearance of the ATM, Figure 2 is a diagram showing the internal structure of the ATM, Figures 5 and 4 are diagrams showing an example of the transaction flow for balance inquiry, and Figure 5 is the online system of the ATM. 6 is a diagram for explaining the transmission/reception method between the ATM and the center, FIG. 7 is a diagram showing a display example, and FIG. 8 is a diagram showing an example of printing a statement slip. 1...ATM, 2...Guidance display, 5...
Operation button, 4...Deposit/withdrawal machine, 5...Card reading/
Writing machine, 6... statement issuing machine, 7... passbook printing machine,
8... Communication control unit, 9... Control unit, 10... Communication line, 11... Central processing unit, 12... Deposit data file system, 15... Card transaction display data,
14...General response message, 15...Unrecorded data. Result 1 Country 20th 5th η No I / Otsu th country 7th solid.

Claims (1)

[Claims] In an automatic cash transaction system in which general users directly perform bank transactions, the central processing unit sends and provides guidance without erasing unrecorded data in the passbook, even for transactions using only a card. When the customer presses a button to print the displayed content, the unrecorded data is printed on the transaction statement along with the transaction, but when the customer does not press the button. is an automatic cash transaction method characterized by printing only the relevant transaction on the statement slip and discharging it.