JPS63307580A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To simplify a payment transaction operation with a balance designated by obtained an amount to be paid by subtracting a designated balance from a transaction balance read out of a memory means via an arithmetic means and delivering the obtained amount to be paid through a cash storing means. CONSTITUTION:Recorded data is read out of an inserted transaction medium by a reading means 12 and transaction data including a designated balance is inputted through an input means 11. Thus a transaction balance is read out of a memory means 21. An arithmetic means 22 subtracts the designated balance from the transaction balance to obtain an amount to be paid. This amount to be paid is delivered through a cash storing means 16. In such a way, the customer's operations are extremely simplified to omit the time and labor needed for both balance inquiring and paying operations as well as the counting time and labor for the amount paid. Furthermore, the automatic transaction processing time is shortened and the service and operation efficiency can be improved for an automatic teller machine.

Description

[Detailed Description of the Invention] [Summary] This is an automatic transaction system in financial institutions, in which a transaction balance is read out from a storage means using recorded data read from a transaction medium, a specified balance is inputted by an input means, and a calculation means is used to input a specified balance. By subtracting the designated balance from the transaction balance to obtain the withdrawal amount and withdrawing the money from the cash storage means, it is possible to simplify the operation of withdrawal transactions in which the balance is designated.

[Industrial application field]

The present invention relates to an automatic transaction system, and particularly to an automatic transaction system that allows withdrawal of the entire amount after leaving a specified amount of money with a simple operation.

Recently, as part of the online banking system, automatic cash down payment machines (Automatic down payment machines) have been introduced at financial institutions' counters.
omatic Teller Machine: Hereafter A
(referred to as TM) and automatic teller machines (Cash Dispe)
Automatic transaction devices such as NSER (hereinafter referred to as CD) are widely used.

These devices use magnetic cards (hereinafter referred to as cards) to perform transactions, such as deposits, withdrawals, and bookkeeping.

The number of possible transaction modes, such as balance inquiries and transfers, is increasing, and in this case, from the viewpoint of service and operating efficiency of automatic machines, it is desired that operations for customers at the time of transaction be simple.

[Conventional technology]

FIG. 5 shows a block diagram of a CD in a bank, etc. In the figure, the CD 1a has a main control unit 10. Operation display □display section 11
a. Card reader 12a1 bankbook read/write section 13゜printer section 14. Inquiry message editing department 15. and a cash counting and dispensing unit 16a that has a safe and differentially counts and withdraws cash sent out from the safe, and is connected to a host computer (hereinafter referred to as host) 2a by a line.

The main controller 20. A transaction data file 21 in which transaction data including balances is filed as a transaction ledger.
a, an arithmetic unit 22a, and a response message editing unit 23.

Therefore, when a customer leaves a certain amount of money in the deposit and wishes to pay out the entire amount, he or she first presses the balance inquiry mode button, inserts the card, and then enters the PIN number. Inquire about balance. The host 2a reads the balance from the transaction data file 21a, and the response message editor 23 edits the response message and sends the response.

When the CD 1a receives the response message, the printer unit 14 prints it on a statement slip (receipt) and issues it.

The customer calculates the amount to be withdrawn by recognizing the current balance and subtracting the amount to be left from the balance.

Next, press the payout mode sum, insert your card, enter your PIN number, and enter the payout amount.

Then, the inquiry message editing unit 15 inquires of the host 1-2a whether the transaction is possible or not. The host 2a reads the balance of the transaction data file 21a, compares it with the payout amount in the arithmetic unit 22a, determines whether the transaction is possible, edits the response message in the response message editing section 23, and responds. The payout amount is subtracted and the file data of the transaction data file 21a is updated.

The CD 1a withdraws the requested amount from the cash counting and dispensing section 16a based on the data received, sends out a card, and prints and issues the transaction details on a receipt. When using both a card and a passbook, the information is recorded in the passbook and sent out. In this way, you can leave the desired deposit balance and withdraw everything else.

[Problem that the invention seeks to solve]

According to the conventional method described above, if you want to withdraw the entire amount with a certain amount remaining in your deposit, you must first check your balance to understand the balance and then withdraw the difference again. Problems such as the human labor required for each step (@) are required twice, and the calculation of the payout amount is troublesome, and the processing time tends to be long, which reduces the efficiency of service and automated machine operation. There is a point.

[Means for solving problems]

FIG. 1 is a block diagram of the principle of the present invention.

In the figure, 12 is a reading means, 16 is a cash storage means, 2
1 is a storage means; 11 is an input means for inputting transaction data including a specified balance; 16 is a cash storage means in which cash to be withdrawn is stored; 22
is a calculation means that calculates the withdrawal amount by subtracting the specified balance from the transaction balance read from the memory hand 1221 based on the recorded data read by the reading means 12 and the transaction data input by the input means 11.

Therefore, the withdrawal amount calculated by the calculation means 22 is configured to be withdrawn from the cash storage means 16.

[Effect]

When the reading means 12 reads recorded data from the inserted transaction medium and the transaction data including the designated balance is entered manually from the input means 11, the transaction balance stored in the storage means 21 is read out and the calculation means 22 performs the transaction. The withdrawal amount is calculated by subtracting the specified balance from the balance, and the cash storage means 1
By withdrawing money from 6, the customer's operations are significantly simplified, eliminating the need to double check the balance and make a withdrawal, eliminate the trouble of calculating the withdrawal amount by yourself, and shorten the processing time. Therefore, it is possible to improve the service and operational efficiency of automatic machines.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 2 and 3. The same reference numerals indicate the same objects throughout the figures. In FIG. 2, parts corresponding to those in FIG. 1 are shown surrounded by a dashed line.

In FIG. 2, the operation display section 11b of the CD 1b is provided with a balance designation button 11C in addition to the functions a of the operation display section 11a described in the conventional example.

In addition to the functions of the inquiry message editing section 15 described in the conventional example, the inquiry message editing section 15a also performs the following functions: 1. It has a function of editing a withdrawal amount inquiry message that inquires about the amount m to be withdrawn to the host) 2b based on the A data and the specified balance old inputted by operation.

The main control section 10a has an additional function, in addition to the functions of the main control section IO described in the conventional example, to control each section to execute the balance specification mode when the balance specification phase 11c is pressed.

In addition to the functions of the calculation unit 22a described in the conventional example, the calculation unit 22b of the host 2b also performs the current balance read from the transaction data file 21a based on the withdrawal amount inquiry message sent from the CD 1b. It has a function of calculating the withdrawal amount m by subtracting the specified balance Ml from the specified balance Ml.

In addition to the functions of the response message editing section 23 described in the conventional example, the response message editing section 23a has a function of editing a response message based on the withdrawal amount m sent from the calculation section 22b.

The transaction mode register 18 records transaction modes such as payment, bookkeeping, and balance inquiry, and instructs the main control section 10a to control the operation of the corresponding transaction mode in response to a transaction mode instruction from the operation display section 11.

The designated balance register 19a and payout amount register 19b store the designated balance and payout amount manually entered from the operation display section 11, respectively.

The withdrawal amount register 19c stores the withdrawal amount m responded from the host 2b.

The counted amount register 19d stores the amount withdrawn from the cash counting and dispensing section 16a.

Since it has such a configuration and function, the operation will be explained with reference to the flowchart in FIG. Recorded data such as numbers will be read and guidance will be displayed prompting you to enter your PIN number.

■Once the PIN is entered and verified, guidance will be displayed prompting you to select between a regular payout or a specified balance payout.

(2) When making a payout based on the balance, press the balance designation mode button 11c on the operation display section 11b and input the designated balance M1.

(2) Then, the read data from the card and the manually entered specified balance Ml are edited into a withdrawal amount inquiry message by the inquiry message editing section 15a, and sent to the host 2b.

■The host 2b reads the balance table from the transaction data file 21a.

is read out, and the calculation unit 22b subtracts the designated balance Ml and sends the difference as the withdrawal amount m to the response message editing unit 23a. On the other hand, the transaction data file 21a is updated to the old specified balance.

(2) The response message editing unit 23a edits the withdrawal amount response message based on the withdrawal amount m and sends it to the CD 1b.

(2) When the CD 1b receives the response message, it withdraws the responded withdrawal amount m from the cash counting and withdrawal section 16a, and prints the transaction details on a receipt and issues it.

(2) When making a normal payout, when the payout amount M2 is entered manually from the operation display section 11b, an inquiry is made to the host 2b as to whether or not the transaction is possible.

■The host 2b reads the balance i0 of the transaction data file 21a, compares it with the payout amount M2 in the calculation unit 22a, determines whether the transaction is possible, edits the response message in the response message editing unit 23, and responds to the transaction. When it is possible, the payout amount M2 is subtracted and the file data of the transaction data file 21a is updated.

@1cDlb withdraws the requested payout amount M2 from the cash storage unit 16a based on the responded data, and prints the transaction details on a receipt and issues it in the same manner as in the flow of (2).

In this way, the customer can make a withdrawal with a desired balance in one operation, eliminating the two-way process of checking the balance and making a withdrawal, and also eliminating the trouble of calculating the withdrawal amount by oneself. Moreover, since the processing time is shortened, it is possible to improve the service and the operational efficiency of the automatic machine.

Further, FIG. 4 shows a different embodiment. In FIG. 4, parts corresponding to those in FIG. 1 are surrounded by a dashed line. The difference in FIG. 4 from the above embodiment is that CD1c stores the transaction balance in host 2.
c, receive a response regarding the transaction balance, perform a calculation to subtract the designated balance from the transaction balance, and withdraw the difference. In this case, CD1c is the response balance register 1.
9e, and an arithmetic unit 22c.

Further, although the above example describes the case of a CD, it can be similarly applied to a transaction device 2 having a withdrawal function, such as an ATV.

[Effects of the Invention] As explained above, according to the present invention, a transaction can be performed with one operation, and the two-way cycle of balance inquiry and payout is eliminated.

■Customers don't have to worry about calculating the payout amount.

■Reduced processing time.

Therefore, there is an effect that service and operational efficiency of automatic machines can be improved.

[Brief explanation of drawings]

Fig. 1 is a block diagram of the principle of the present invention, Fig. 2 is a block diagram showing an embodiment according to the invention, Fig. 3 is a flowchart of the embodiment, Fig. 4 is a block diagram showing a different embodiment, and Fig. 5 is a block diagram showing an embodiment according to the invention. FIG. 2 is a block diagram showing a conventional example. In the figure, 1a=1c is CD, 28~2C is host, 1
1 is an input means, lla and llb are operation display units, 11c is one account for specifying a balance, 12 is a reading means, 12a
16 is a card league, 16 is a cash storage means, 16a is a cash counting and dispensing section, 21 is a storage means, 2La is a transaction data file, 22 is a calculation means, and 22a to 22c are calculation sections. Agent Patent Attorney Igata Page − 1 Nofro Condolence 4 Roy Hiho 4 Gu゛Jsa Agency・Zaf”'1] Tsufu〔Ha茅 5 Figure

Claims (1)

[Claims] Storage means (21) in which transaction data including transaction balances are stored.
), and a transaction terminal device connected to the transaction data processing device, which processes data based on inquiry data sent from the transaction terminal device to the transaction data processing device and receives a response. In a transaction system that performs transactions based on response data, there is a reading means (12) for reading customer-specific data from a transaction medium in which the data is recorded, and an input means (11) for inputting transaction data including a specified balance. and a cash storage means (16) containing cash to be withdrawn; and the input from the transaction balance read from the storage means (21) based on the recorded data read by the reading means (12). and a calculation means (22) for calculating a withdrawal amount by subtracting the specified balance input by the means (11), and withdrawing the withdrawal amount calculated by the calculation means (22) from the cash storage means (16). An automatic trading method that is characterized by: