JPS63204371A - Transaction processor - Google Patents

Abstract

PURPOSE:To reduce cases incapable of transaction and to reduce the times of processing by a person in charge by inquiring and displaying the propriety of an investment within the range of an amount of cash capable of investment when an amount of an investment request is more than the amount of the cash capable of investment. CONSTITUTION:In a bill processing part 16, a bill shortage detecting sensor for detecting that there is no bill in an investment bill storing box is disposed. When it is understood that the cash of the amount of the investment request cannot be discharged, a display for requesting a recognition indicating whether the amount below the amount of the investment request may be invested or not is executed on the CRT of a customer attendance processing part 13, when the customer inputs that the investment may be executed within the range of the amount of money capable of a discharge from a keyboard, the bill of the amount of the money is discharged. When the customer decides that the cash of the amount of the money capable of the discharge cannot be satisfactorily received, it is inputted through the keyboard. Thereby, the down of an equipment requiring the processing of the person in charge.

Description

[Detailed Description of the Invention] Summary of the Invention When the requested withdrawal amount is greater than the amount of cash that can be withdrawn, the method inquires of the customer whether withdrawal is allowed within the range of the amount of cash that can be withdrawn; A transaction processing device that releases cash within the above range if the customer inputs OK.

BACKGROUND OF THE INVENTION This invention relates to transaction processing devices including automatic teller machines, automatic cash dispensers, and the like.

Withdrawal transactions in the transaction processing device are performed in the order that the customer first inputs the requested withdrawal amount, and if the balance in the customer's account is equal to or greater than the requested amount, the withdrawal is permitted and the requested amount of cash is released. It will be done. If the cash in the storage box runs out while cash is being dispensed from the storage box to release cash, the requested amount of cash cannot be released. In such cases, conventionally the transaction was invalidated and the transaction processing terminal was taken down. Restoration processing must wait for operations by staff.

In the future, transaction processing terminals will be forced to extend their operating hours and become unmanned. however.

As mentioned above, if a device goes down that requires staff handling, unmanned systems cannot be implemented.

SUMMARY OF THE INVENTION An object of the present invention is to provide a transaction processing device that is prevented from going down as much as possible even when the amount of cash that can be withdrawn is less than the requested withdrawal amount.

The transaction processing device according to the present invention includes means for determining that the requested withdrawal amount is larger than the amount of withdrawable cash in the cash storage box, means for making an inquiry as to whether or not withdrawals are permitted;
and a means for discharging the permitted amount of cash in response to input of permission.

A sensor is installed to detect when cash is missing in the cash storage box (outage detection or 0-sheet detection), and when cash is detected to be out of cash from this sensor while cash is being dispensed from the cash storage box, the cash is released. It may be determined that the available cash amount is less than the requested withdrawal amount. Alternatively, a counter may be provided to count the amount of cash in the cash storage box, and the amount of cash that can be discharged and the requested amount may be compared based on the counter value.

According to this invention, even if the amount of cash that can be withdrawn is less than the requested withdrawal amount, if the customer confirms that the amount of cash that can be withdrawn is within the range that can be withdrawn, then the amount of cash that can be withdrawn is within that range. Because you can make withdrawal transactions with the amount.

There will be fewer cases where transactions become impossible. This will reduce the number of times staff processes are required, and is part of the unmanned system.

Typically, a transaction terminal communicates with a control center containing a ledger file to perform transaction processing. The control center determines whether or not a withdrawal transaction is possible by comparing the requested withdrawal amount with the customer's balance. If it is determined that withdrawal is possible, the requested withdrawal amount is subtracted from the balance to obtain a new balance, and this is stored in the corresponding account in the ledger file (file update process). After such a file update process, if the above-mentioned problem occurs, that is, the amount of cash that can be withdrawn is found to be less than the requested withdrawal amount, the following steps may be taken. If the customer wishes to withdraw money within the amount of cash that can be withdrawn,
Release cash within that range.

The difference between the requested withdrawal amount and the released cash amount is added to the balance of the ledger file, and the deposit processing is performed on the file. If the customer does not wish to withdraw money at all, a deposit process is performed for the requested withdrawal amount. In this way, the customer's balance in one ledger file is corrected to the correct amount. By performing the deposit processing on the ledger file described above, it is possible to operate even with a transaction terminal that cannot perform cancellation processing.

Description of examples FIG. 1 shows an overview of the electrical configuration of the transaction terminal.

The processing at the transaction terminal is supervised by the CPUIG, and this CPUIG is a ROM that stores the program.
11 and RAM 12 for storing data. Generally speaking, the transaction terminal includes a customer service processing section 13.
．． Card processing section 14. A form processing section 15 and a banknote processing section 1B are provided and connected to CPU10. The customer service processing unit 13 includes a display device (for example, a CRT, hereinafter referred to as a CRT) for guiding the customer through operating procedures.
, is equipped with a keyboard, etc. for customers to input various information such as PIN number, withdrawal request amount, cancellation, confirmation, etc. Some function keys on the keyboard are arranged around the CRT, and some function keys are displayed on the CRT each time. A touch panel is also sometimes used as a keyboard. In this case, the position of the key to be pressed is CR
displayed on T'. The card processing unit 14 reads data from a card such as a magnetic card.

Write it down if necessary. The form processing section 15 is.

The transaction data is printed on the passbook, and also on the journal and, if necessary, the slip, and the slip is released. The form processing unit 15 is often equipped with a magnetic head that reads magnetic stripe data provided on the surface of the passbook. The banknote processing unit 16 includes a pill checker that distinguishes the authenticity of banknotes inserted in a deposit transaction, a banknote storage box that stores accepted banknotes by denomination, and a banknote storage box that stores banknotes by denomination in a withdrawal transaction. Banknote storage box.

It is equipped with a temporary holding mechanism for people and withdrawn banknotes. In a withdrawal transaction, the banknotes of the requested amount for payment (withdrawal) are paid out from the banknote storage box, held in a temporary holding mechanism, and then released. There is also a circulating type that dispenses outgoing banknotes from a banknote storage box that stores incoming banknotes. In any case, each storage box is provided with a banknote out detection sensor that detects when the number of banknotes in the dispensing banknote storage box or the circulating storage box becomes zero. When this transaction terminal handles coins, it is provided with one device, one mechanism, one box, etc., similar to the above for coins.

The transaction terminal executes transaction processing while communicating with a control center (illustrated path). This control center is provided with a ledger file that stores the balance of each customer's account.

FIG. 2 shows part of the transaction processing procedure of the transaction terminal and the center.

The customer selects the transaction type according to the operating instructions displayed on the CRT, and when a withdrawal transaction is selected,
The withdrawal transaction will proceed to the next step only if the PIN number in the card data read from the inserted card and the PIN entered from the keyboard match the expected correspondence, which is the same as the conventional transaction processing procedure. It is.

After this, the customer key-inputs the withdrawal request amount (step 21).
). For example, assume that the customer inputs 1 million yen as the requested amount.

Now that we have the data necessary for withdrawal transactions.

A message containing data such as a message identification code, terminal number, transaction type, card data (including account number, etc.), passbook data if necessary, key-input withdrawal request amount, etc. is transmitted to the center.

The center reads the balance of the corresponding account in the ledger file based on the data of this telegram and compares it with the amount of the withdrawal request sent. Withdrawal transactions are possible if the balance is greater than the requested withdrawal amount. The PIN number may be checked at the center. If a withdrawal transaction is possible, a new balance is calculated by subtracting the requested withdrawal amount from the balance of the corresponding account, and this new balance is stored in the corresponding account in the ledger file (step 31). Additionally, a message to the effect that the withdrawal transaction is permitted is sent to the corresponding terminal.

When the terminal receives this permission message or sends the message to the center, it immediately starts dispensing banknotes equivalent to 1 million yen in the banknote processing section 1B, and holds the dispensing banknotes in a temporary holding section ( Step 22).

If a bill of 1 million yen is dispensed (YES in step 23)
S) Normal processing such as discharging the banknotes, printing them on bankbooks and slips, discharging them and cards, and returning them are performed.

If a detection signal is output from the banknote detection sensor of the corresponding storage box even though the dispensing of 1 million yen banknotes has not finished, the requested amount of cash cannot be discharged (
Step 23). For example, if there are no more 10,000 yen banknotes, the determination in step 23 may be NO. Alternatively, when the 10,000 yen bill runs out, the next 5,000 yen bill may be dispensed. When the total amount reaches 1 million yen by dispensing 5,000 yen bills, YES may be selected in step 23. The total amount is also 1 by dispensing a 5,000 yen bill.
If the total does not reach 1,000,000 yen, it may be determined No in step 23, or it may be determined whether or not the total amount reaches 1,000,000 yen by further dispensing 1,000 yen bills.

In any case, if it is found that it is impossible to release the requested amount of cash, a message is displayed on the CRT requesting confirmation whether it is acceptable to withdraw less than the requested amount (step 24). ). FIG. 3 shows an example of the CRT display when it is possible to dispense cash worth 500,000 yen. The amount that can be released may be the total amount that has been paid out, or it may be a smaller amount.

When the customer inputs from the keyboard that the amount within the allowable amount is acceptable (step 25), this amount (500,000 yen) is issued.
The banknotes are discharged, and two bankbooks and slips are printed and discharged, and the card is returned (step 2B). Also, deposit the difference between the withdrawal request amount and the release amount (500,000 yen).
A message to the effect that the card is to be sent to the center along with the above-mentioned card data, etc. is transmitted to the center (step 27). The center adds the difference to the balance of the corresponding account in the ledger file and updates the balance (
Step 32). After all, this balance will be the balance when the above-mentioned withdrawal amount is withdrawn.

When the customer determines that there is no point in accepting the cash for the amount that can be released, he/she inputs that fact through the keyboard (NO in step 25). In this case, the bankbook, card, etc. are returned, and a deposit message of the requested withdrawal amount is sent to the center, and the center adds the requested withdrawal amount to the balance of the corresponding account (step 32).

In the above embodiment, nine banknotes are actually dispensed from the banknote storage box to determine whether it is possible to release the requested amount of cash, but the number of banknotes stored in the storage box for each banknote is If you always know the number of coins by counting them with a counter, when the requested withdrawal amount is input, you will know whether the requested amount of cash can be disbursed or not, so you can immediately perform the display processing in step 24. You may move to In this case, the customer may be asked to re-enter the requested amount within the releasable amount. Since the center communication will be a withdrawal message for a withdrawal amount within the range of the disbursable amount, steps 27, 28, etc. will be unnecessary.

In the above example, the ledger file is updated twice at the center.
(Steps 31 and 32).

In reality, it is preferable to store the account balance in a buffer, perform update processing in this buffer, and then store the final balance in the ledger file and update the file when the transaction is completely completed.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing the electrical configuration of the transaction terminal, FIG. 2 is a flow chart showing part of the transaction processing procedure, and FIG. 3 is a diagram showing an example of a screen displayed on a CRT. lO...CPU, 13...Customer service processing department. 1t...Banknote processing department. that's all

Claims (3)

[Claims] (1) A means for determining that the requested withdrawal amount is greater than the amount of withdrawable cash in the cash storage box, and when the above determination is made, withdrawal is permitted within the range of the withdrawable cash amount. A transaction processing device comprising: a means for displaying an inquiry as to whether or not the transaction is permitted; and a means for discharging the permitted amount of cash in response to an input indicating permission. (2) Claim (1) includes a sensor that detects when the cash in the cash storage box is out of cash, and displays the above inquiry when the sensor outputs an output. transaction processing equipment. (3) Perform withdrawal processing on the file for the withdrawal request amount, and when the above-mentioned permission is input, perform the deposit processing on the file for the difference between the withdrawal request amount and the released cash amount, and allow it. The transaction processing device according to claim 1, further comprising means for performing deposit processing on a file for the requested withdrawal amount when there is an input to the effect that the withdrawal amount is not to be made.