JPS62279487A - Automatic transaction system - 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] 3. Detailed Description of the Invention [Summary] An automatic trading system in which a transaction limit amount specified by a transaction amount designation signal is determined according to a setting signal given from a limit amount setting means. The transaction limit for each device can be set variably as necessary.

[Industrial application field]

The present invention relates to an automated trading system, and more particularly to an automated trading system that does not allow individual transactions to be automatically performed unless specific conditions are met.

[Conventional technology]

Currently, each financial institution provides services that allow cash withdrawals, deposits, etc. using individual magnetic stripe cards called CD cards.

FIG. 4 shows a control sequence for making a withdrawal transaction using such an automatic transaction device using a CD card.

First, the customer selects a possible transaction on the automated transaction device (
Step 411). It is now assumed that a "withdrawal" transaction has been selected.

Next, the transactor inserts the card into the insertion hole (step 412) and enters a PIN for self-identification (step 413). In order to determine whether the entered PIN is valid, The automatic transaction device checks the password against a pre-registered password (not shown) (step 414). If it is valid, we will guide you to the next step.

After that, specify the amount of the “withdrawal” transaction (step 41).
5). The automatic transaction device side requests confirmation of whether the specified amount is correct, and if the transaction person confirms it (step 4)
16), the automatic transaction device transmits the transaction details to the center (not shown) (step 417). From the center
If there is a response indicating that the transaction is permitted (step 418
), the automatic transaction device counts the withdrawal amount (step 419
), and releases the cash (step 420).

This completes the "withdrawal" transaction desired by the current transaction person, so return the card (step 421).
), completes one trading operation.

Note that if a transaction other than "withdrawal" is specified, steps after step 412 will differ accordingly.

[Problem that the invention seeks to solve]

For various types of transactions using conventional automated teller machines, limits have been set within the machines.

However, the trend of financial institutions increasing the number of holidays, requests from users to operate automatic transaction machines even on holidays, and even the operation of automatic transaction machines without any staff at all have been taken into account. It has become.

However, in such an operating state, there may be very few people around the automatic transaction device. Therefore, withdrawing a large amount of cash at one time is not desirable in terms of crime prevention. Therefore, there is a need to reduce the maximum amount that can be "withdrawn" in one operation.

Previously, in order to respond to such requests, service personnel had to go to the location where the automatic transaction device was installed, take out the internal setting panel, and adjust the limit setting. . Therefore, there was a problem in that the procedures involved in changing the limit amount were extremely troublesome.

The present invention was created in view of these points, and provides an automatic trading system that allows the transaction limit amount to be easily varied and allows transactions based on the variably set limit amount to be easily performed. It is intended to.

[Means for solving problems]

FIG. 1 is a block diagram of the basic structure of the automatic transaction system of the present invention.

In the figure, a limit determining means 117 determines a transaction limit according to a setting signal 113 given from a limit setting means 111, and generates a limit signal 115.

The determining means 123 compares a transaction amount designation signal 119 specifying the transaction amount with the limit amount signal 115, and generates a transaction permission signal 121 if the specified amount is less than or equal to the limit amount.

In response to the transaction permission signal 121, the transaction means 127 conducts a transaction based on the designated amount with the content specified by the transaction content designation signal 125.

Therefore, as a whole, the limit amount for trading based on the transaction amount designation signal 119 is configured to be variably set by the limit amount setting means 111.

[For production]

The transaction limit determined by the limit determining means 117 is variably set by the limit setting means 111.

The determining means 123 determines whether the transaction amount specified by the transaction amount estimation signal 119 is less than or equal to the limit amount. If the amount is below the limit, transaction details specification signal 125
The transaction specified by is carried out.

In the present invention, the limit amount to be traded in response to the transaction amount 1 determination signal 119 is variably set by the limit amount setting means 111, which facilitates management of the transaction limit amount.

〔Example〕

EMBODIMENT OF THE INVENTION Hereinafter, one embodiment of the present invention will be described in detail based on the drawings.

FIG. 2 shows the configuration of an automatic transaction system according to an embodiment of the present invention.

(2) Correspondence between child 1 and child 1゛Here, we will describe the correspondence between the main constituent elements of the embodiment of the present invention and the main constituent elements of Fig. 1.

The limit setting means 111 corresponds to the main control section 211 of the host computer 210.

The setting signal 113 corresponds to the limit information signal 213.

The limit signal 115 corresponds to the limit signal 215.

The limit amount determining means 117 corresponds to the limit amount setting section 217.

The transaction amount designation signal 119 corresponds to the operation signal 219.

The transaction permission signal 121 corresponds to the withdrawal permission signal 221.

The determining means 123 corresponds to the amount determining section 223.

The transaction specification signal 125 corresponds to the operation signal 219.

The transaction means 127 corresponds to the cash counting section 227.

Embodiments of the present invention will be described below on the assumption that there is a correspondence relationship greater than or equal to 1.

In FIG. 2, a host computer 21 serving as a center
0 is installed at the bank headquarters, and this host computer 210 is connected via a circuit vA 220 to a plurality of automatic transaction machines 230 installed at each branch. Here, only one automatic transaction device 230 is shown.

By operating each automatic transaction device 230 using the card 231, it is possible to perform a "withdrawal" transaction for withdrawing cash 235, a "deposit" transaction for depositing cash 235, and other bank transactions.

(i) Configuration of host computer The host computer 210 is equipped with a main control section 211 for collectively controlling the entire automatic transaction apparatus 230 online. Data desired by the bank can be obtained by the operator from the data human resources department 241 as needed.
It is input by operating .

Since services at banks are provided according to time, a clock 243 is provided for time management.

The host computer 210 and the automated teller machine 230 are connected to the line 220 by a line control unit 245 to exchange data via the line 220.

(ii) The automatic transaction device 230 also includes a line control section 251 for connection to the line 220, and via this line control section 251, it communicates with the control section 253 and signals It has become.

Inside the control unit 253, there is a limit setting unit 217 in which the transaction limit is variably set from the host computer 210 side;
It includes an amount determination unit 223 that determines whether the amount specified by the transactor is less than or equal to the limit amount.

The automatic transaction device 230 also includes a card 231 that is inserted into a card insertion hole (not shown) to operate the automatic transaction device 230.
It is equipped with a card reader 255 that reads the information, and an imprinter 257 that prints on the detailed statement 233 when a transaction is performed.

Furthermore, specifying the details of the transaction on the automated transaction device 230,
Operation unit 259 for specifying the transaction amount, “withdrawal”
Cash counting unit 227 that counts released cash 235 during a transaction
is included.

The power supply voltage necessary for the operation of each part forming the automatic transaction device 230 is supplied from the power supply section 261.

(iii) Card structure The card 231 is a CD card that is currently in general use, and is formed into a thin plastic plate.

A magnetic stripe 263 is formed on a portion of one side, and various data necessary for transactions are recorded. The data includes a bank code, an account number, a password for identifying the legal holder of the card, etc.

"Ichimachi Yurin 1" 1 needle level work Figure 3 shows the automatic transaction device 230 shown in Figure 2.
The control sequence when performing a “withdrawal” transaction using the card 231 is shown.

Reference will now be made to FIGS. 2 and 3.

First, on the bank side, the clock 2 of the host computer 210
When 43 indicates a predetermined time, its main control unit 211 sends a message to each automatic transaction device 230 to the effect that the transaction may be carried out. Accordingly, each automated transaction device 23
0 enters the operating state and becomes operational, and becomes a state in which possible transactions can be performed with the automatic transaction device 230.

Assume now that the clock 243 indicates 3:00 pm when the bank closes. After that, the place where the automatic transaction device 230 is installed is usually occupied only by customers.

Therefore, from a security standpoint, the limit on the amount of money that can be withdrawn at one time is set low. In other words, the limit amount that would normally allow you to withdraw 600,000 yen J in one operation will be changed to 110,000 yen J.

The main control unit 211 of the host computer 210 sends a message “Changing the limit J” to each automatic transaction device 230 via the line 220.

On the automatic transaction device 230 side, upon receiving the message "R limit amount change", the automatic transaction device 230 side supplies a limit amount information signal 213 to the control section 253 via the line control section 251. Therefore, the limit setting section 217 in the control section 253 stores information representing the new limit "110,000 yen." by this,
The maximum amount for subsequent "withdrawals" is 110,000 yen, and this is displayed on the display screen of the operation unit 259.

(ii) Withdrawal Transaction First, the user who goes to the installation location of the automatic transaction device 230 that is in standby state for transaction, inserts a card into the card insertion slot (not shown).
Insert the card 231 into the (step 311). As a result, a transaction at the automatic transaction device 230 is started.

The card reader 255 of the automatic transaction device 230 reads the data recorded on the magnetic stripe 263 of the insert 261 (step 312).

Read the registered password recorded in advance.

Next, the user operates the operation unit 259 to input a password for identifying himself (step 313).

The control unit 253 determines whether this manually entered password is valid (step 314). If there is no match (
Negative judgment), perform secret witness power again. If they match (affirmative judgment) and are found to be valid, then [Withdrawal J]
Specify the amount of the transaction (step 315).

The amount determining unit 223 of the control unit 253 determines whether the designated withdrawal amount represented by the operation signal 219 is less than or equal to the limit amount represented by the limit signal 215 obtained from the limit setting unit 217 (step 316 ).

For example, if you specify 600,000 yen, the current limit "
Since the amount exceeds 110,000 yen, withdrawal is not possible.

In that case, the amount determination unit 223 sends a re-designation signal 271 to the operation unit 259. Returning to step 315, the amount is respecified.

If you specify 100,000 yen, you can "withdraw" the money because it is below the limit. Therefore, step 316
In this case, the determination is affirmative, and the control unit 253 inquires of the host computer 210 whether the withdrawal is permitted. If the current balance of the user is sufficient and there is no problem with payment, the host computer 210 returns a message to the automatic transaction device 230 to approve the withdrawal (step 317).

The control unit 253 supplies a withdrawal permission signal 221 to the cash counting unit 227 in response to the response that the transaction is permitted.

In response to this, the cash counting unit 227 counts the withdrawal amount (
step 319). Next, the imprinter 257 prints the details of the "withdrawal" transaction and its balance, and prints out the details on the statement slip 257.
33 (step 319).

Thereafter, the card 231 and statement slip 233 are released (step 320), and the specified amount of cash 235 counted by the cash counter 227 is released (step 321).
).

This completes the "withdrawal" transaction desired by the current trader.

■Summary of Method 1 In an automated transaction system such as the one described above, the transaction limit for "withdrawals" on the automated transaction device 230, which operates during off-hours after the bank's counter has closed, is set by the time management system from the host computer 210. variably set based on Since the withdrawal amount is suppressed by such a variably set limit, there is less danger in a place where there are only users.

①, H. In the embodiment of the present invention described above, operation of the automatic transaction device 230 exclusively outside of business hours was considered, but the invention is not limited to this. Even if the automated teller machine 230 is operated on holidays or is installed in a place where there are no bank employees, it is preferable for crime prevention to have a small amount of withdrawal per transaction. For automatic transaction devices '230 under such conditions, the limit amount may be set variably over time, and the limit amount may be variably set for each automatic transaction device 230 in consideration of the installation location. You can do it like this.

Further, the present invention is applicable not only to banks but also to other financial institutions such as securities companies.

Furthermore, in "I. Correspondence between Examples and FIG. 1",
Although the correspondence relationship between the embodiments of the present invention and FIG. .

〔Effect of the invention〕

As described above, according to the present invention, the limit amount for transactions specified by the transaction amount designation signal is variably set according to the setting signal given from the limit setting means, thereby managing the limit amount for transactions. This is useful from a practical point of view, as it facilitates the process and is also preferable for crime prevention.

[Brief explanation of drawings]

Fig. 1 is a principle block diagram of an automated trading system of the present invention, Fig. 2 is a block diagram of the configuration of an automated trading system in an embodiment of the invention, and Fig. 3 is a flowchart showing the order of execution in an embodiment of the invention. , FIG. 4 is an execution sequence diagram illustrating a transaction in a conventional example. In the figure, 111 is a limit setting means, 113 is a setting signal, 115 is a limit signal, 117 is a limit determining means, 119 is a transaction amount designation signal, 121 is a transaction permission signal, 123 is a determination means, and 125 is transaction content. A designation signal, 127 is a transaction means, 210 is a host computer, 211 is a main control unit, 217 is a limit setting unit, 223 is an amount determination unit, 230 is an automatic transaction device, 231 is a card, and 253 is a control unit. , Eh, Kenchizuki r+R King! , Pro, Tsu 2 Figure 1 Figure 3 Mulberry ♂'10 岨Z Figure 4

Claims (2)

[Claims] (1) A limit amount determining means (117) for determining a transaction limit amount and generating a limit amount signal (115) in response to a setting signal (113) given from a limit amount setting means (111); a determining means (123) that compares a specified transaction amount designation signal (119) with a limit amount signal (115) and generates a transaction permission signal (121) if the specified amount is less than or equal to the limit amount; , In response to the transaction permission signal (121), the transaction based on the specified amount is executed by the transaction content designation signal (121).
Transaction means (127) carried out with the contents specified in 125)
An automatic trading system characterized by being configured to include the following. (2) The automatic transaction system according to claim 1, characterized in that the content of the transaction designated by the transaction content designation signal (125) is a withdrawal.