JPS6250960A - Data processing method for unentered transaction automatical teller machine - Google Patents

Abstract

PURPOSE:To send a circuit message to a terminal without deleting the transaction data with no bankbooks and to know an unentered transaction condition when a card only is used, by sending the collating message to CPU including the transaction with no bankbooks when the transaction operation with no bankbooks is executed by the customer. CONSTITUTION:A central processing unit 11 is connected to a automatic teller machine terminal equipment by a communicating line 10, a transaction data file 12 composed of the transaction data of the customer classification including the incomplete-entry transaction data is connected to the device 11 and the incomplete-entry transaction data processing system is constituted. A communicating line 10 is connected to a control part 9 of the terminal device 1, and respective types of information of the diplaying guidance are displayed at an operating guidance displaying device 2. At an operating button group 3, the button for the transaction and code number input is provided and the receiving and the supplying of the paper money are executed by a money receiving paying machine 4. When the transaction operation with no bankbooks is executed, The collation message including the transaction is sent to the device 11 and by the device 11, without deleting the data with no bankbooks, the answering message is sent to the terminal equipment 1.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention relates to an automated teller machine for banking operations, and particularly relates to the processing of unrecorded transaction data.

[Background of the invention]

In general automated teller machines, deposits and payments are allowed using only cards, without using a bankbook. Records of these non-passbook transactions are stored in the transaction data file of the central processing unit as unrecorded transaction data, along with records of automatic withdrawals and transfers, and are stored in the passbook during subsequent transactions including bookkeeping. Please fill in the form below. If transactions without a passbook occur consecutively a predetermined number of times, the data of those unrecorded transactions will be printed all at once and notified to the customer by mail or other means. Except for this notice, customers must bring their passbook with them in order to know unrecorded transaction data, whether they perform bookkeeping operations or use the passbook to make deposits or withdrawals. . It is not easy for customers to accurately recall even the details of deposits and withdrawals that they directly made, and even more so, the details of passive transactions such as automatic withdrawals and transfers are unknown to customers. It would be extremely convenient to be able to check unrecorded transaction data for those businesses without using a passbook.

Japanese Unexamined Patent Publication No. 55-63473 describes the printing of unrecorded transaction data in transactions without a passbook. However, this is an alternative to the above-mentioned notification by mail, and only after a predetermined number of consecutive transactions are made without a passbook.
Furthermore, due to the printing, unrecorded transaction data in the transaction data file of the central processing unit is cleared.Even if a transaction with a margin is subsequently performed, it can no longer be recorded in the passbook.

[Purpose of the invention]

An object of the present invention is to enable a customer to know the status of unrecorded transactions even when transactions are made only by card, thereby improving the usefulness of the automatic cash transaction system.

[Summary of the invention]

According to the present invention, when there is no passbook transaction operation, an inquiry message containing information 7 indicating the passbook transaction is sent from the automatic cash transaction terminal to the central processing unit.

The receiving central processing unit reads the unrecorded transaction data without erasing it, and returns the reply message containing the request to the automatic cash transaction terminal. The unrecorded transaction data is output to the visible information output section.

For example, 7'rL may be displayed together with the guidance on the operation guidance display device, or may be printed along with the current transaction information by the transaction statement printing device.

[Embodiments of the invention]

FIG. 2 shows the external appearance of an example of an automatic cash transaction terminal device used to implement the present invention. show. This automatic cash transaction terminal device (
ATM) 1 includes an operation guidance display 2 for displaying operation guidance and various information to customers, a group of operation buttons 3 including a transaction selection button, an amount and a PIN input button, and a banknote acceptance and supply. A deposit/withdrawal machine 4,
A card reader/writer 5, a statement issuing machine 6 that prints and releases a transaction statement, and a passbook printing machine 7 that prints on one passbook? By operating the transaction selection button in the operation button group 3, the customer can select one of the common bank transactions, such as deposit, payment, balance inquiry, passbook entry, and transfer. I can do it.

Figure 3 shows 0 block 2 showing the internal equipment configuration of ATMI.
7 correspond to the devices indicated by the same reference numerals in FIG. The communication control unit 8 communicates with the central processing unit (FIG. 4, 11) through one communication line 10. The control unit 9 includes a microprocessor, controls each unit, and performs data processing necessary for transactions. As shown in the diagram, a plurality of ATMIs are connected to a central processing unit 11 via communication lines 10 of 5-5n.

The central processing unit 11 manages the transaction data file 12,
This file 12 contains each customer's account number, name,
Consists of balances, unrecorded transaction data, and other transaction data.

Unrecorded transaction data includes deposits and payments made using cards only, as well as various automatic withdrawals, utility charges, etc.
(loans, etc.) and transfers from other parties.

FIG. 1 shows step 70 of the process when a balance inquiry is made using only a card. Referring to Figure 1 (tx) 'l, when the customer presses the "Balance Inquiry" transaction selection button in the operation button group 3 (20), "Please insert your card" is displayed on the guidance display 2. Sanru (21). Therefore,
The customer inserts the card into the card reader/writer 5 (22
), the ATMI checks whether it is a valid card or not, and if it is a valid card, it displays "Please enter your PIN" on the guidance display 2 (23). Enter your PIN using button group 3 (24
) and A T M 11'j 'Ct'L? : f
- T-7, and if that is correct, the inquiry message 16 is sent to the central processing unit 111C via the communication system department 8 and the communication line 10'Y. Send (25). As shown in FIG. 1, this inquiry message 16 includes information 13 indicating that the transaction in progress is a non-passbook transaction. For example, this information is 1 bit and 2 bits located at a predetermined position f' in the query message, and is 1 bit and 2 bits at the predetermined position f' of the inquiry message, and is 0 and 1 # when the transaction is without a bankbook, and 0 when it is a transaction with a margin. Central processing unit 1 that received
1tri, accesses the transaction data file 12, reads the customer's transaction data, creates response data (balance) 14 for the transaction, and responds to the non-passbook transaction information 13 to read the customer's unrecorded transaction data. 15 and compile a response message 17 containing both data.
Send to ATMI (26) At this time, the read unrecorded transaction data is sent to ATMI via control unit 8 without being erased.
(27) then at the ATMI, as shown in FIG. 1(b), along with the requested balance and guidance.

The unrecorded transaction data is displayed on the guidance display 2 (28). An example of the display screen in this case is shown in Figure 6.
ing. Here, if the customer needs a statement slip, he or she presses the "statement slip" button, and if the statement is unnecessary, he or she presses the "confirm" button. "
When the "statement slip" button is pressed, the statement issuing machine 6 prints the balance, which is the direct purpose of this transaction, in a predetermined format, and also prints the unrecorded transaction data in addition to the balance. ), releasing (31). An example of a statement slip in this case is shown in FIG. On the other hand, if the "Confirm" button is pressed (32), the display disappears and the statement slip will not be issued. Finally, the card is returned A (33) and the transaction ends.

As a variant - without display and customer selection 7.

A detailed statement may be issued. FIG. 1(1) shows this modification. Continuing from step 27 in FIG. 1(,).

Immediately, the statement issuing machine 6 prints out a statement as shown in FIG. 7 (34) and releases it (35).

The card is returned gn (36) and the transaction is completed.

In other transactions, such as payment transactions and deposit transactions, unrecorded transaction data can be made available to the customer using the same procedure as described above.

If anything, the procedure in FIG. 1(b) is suitable for balance inquiry transactions, and the procedure in FIG. 1(C) is suitable for payment transactions and deposit transactions.

〔Effect of the invention〕

According to the present invention, even in transactions using only a card, it is possible to know the status of unrecorded transactions, and it is possible to record the transaction again after that. Furthermore.

As a result, it will encourage people to record their books, so we can expect a reduction in the administrative work involved in bulk printing and mailing unrecorded data as mentioned earlier.

[Brief explanation of drawings]

FIG. 1 is a flowchart of an embodiment of the present invention;
3 is a block diagram showing the internal equipment configuration of the automatic cash transaction terminal, FIG. 4 is a block diagram of the automatic cash transaction system, and FIG. 5 is an external view of the automatic cash transaction terminal. is a schematic diagram of sending and receiving inquiry messages and reply messages, Figure 6 is a diagram showing the display screen, and Figure 7 is a diagram showing a transaction statement slip.
- Automatic cash transaction terminal device, 2... Operation guidance display, 3... Operation button group, 5... Card reader/writer, 6... Statement slip brother row iso, 10... Communication line, 11
...Central processing unit, 12...Transaction data file,
13... Information indicating non-passbook transaction, 15... Unrecorded transaction data, 16... Inquiry message, 17... Answer message, 25... Inquiry message sending step,
26...Answer message sending step, 28-31.
34-35...Unrecorded transaction data output step. Figure Z Cα) (b)

Claims (1)

[Scope of Claims] 1. A central processing unit equipped with a transaction data file consisting of customer-specific transaction data including unrecorded transaction data, and at least one automatic cash transaction terminal device connected to the central processing unit. The terminal device has at least an operation section, a card processing section, and a visible information output section, and in an automatic cash transaction system that allows passbook-free transactions using at least a card, the terminal device is configured to allow a customer to perform passbook-free transactions. sending an inquiry message from the terminal device to the central processing unit including information indicating a non-passbook transaction when the transaction occurs;
a step in which, upon receiving the inquiry message, the central processing unit reads the customer's unrecorded transaction data without erasing it and sends a response message containing the same to the terminal device; and upon receiving the response message, the terminal device outputting the unrecorded transaction data in the response message to the visible information output section. 2. The unrecorded transaction data processing method according to claim 1, wherein the visible information output section includes a display device. 3. The unrecorded transaction data processing method according to claim 1, wherein the visible information output unit includes a printing device. 4. In claim 1, the visible information output unit includes both a display device and a printing device, and the output step is to output unrecorded transaction data to at least one of the display device and the printing device. Data processing method. 5. In claim 4, the output step includes outputting unrecorded transaction data to the display device;
and then outputting the unrecorded transaction data to the printing device according to a customer's request. 6. In claim 5, the display device is a display device for displaying operation guidance, the printing device is a printing device for printing a transaction statement slip, and the output step is a A method for processing unrecorded transaction data, the method comprising: displaying unrecorded transaction data together with operation guidance on the printer; and printing the unrecorded transaction data together with transaction details for the transaction on the printing device. 7. The unrecorded transaction data processing method according to claim 6, wherein the requested non-passbook transaction is at least one of deposit, payment, and balance inquiry.