JPS6383864A - Automatic deposit transaction system - Google Patents

Abstract

PURPOSE:To prevent such a case where a transaction is unsatisfied owing to an amount exceeding a preferential deposit limit, by defining the smaller one of an acceptable amount received from a center and the maximum depositable amount of an automatic transaction device itself as the actual maximum depositable amount. CONSTITUTION:When a transaction card is put into a card reader/printer 23 or a bankbook is put into a bankbook register 25, the customer information on an account number, etc., are read and a deposit transaction start message is sent to a center 3 from an automatic transaction device (terminal) 1 via a communication controller 2. When the cash is thrown into a cash slot of a reception/payment machine 24, a note recognition/analysis part 26 discriminates the types of cash and the cash genuineness to count the cash and pools temporarily the cash. Then comparison is performed between the thrown cash amount and the smaller one of the acceptable amount (preferential deposit limit amount - customer's balance) received from the center 3 and the maximum depositable amount of the device 1. Then a fact that the thrown cash amount is larger than those limit amounts is displayed on a CRT display device 21. While a screen is displayed for indication of confirmation given to execution of a transaction vice versa.

Description

[Detailed Description of the Invention] (Industrial Application Field) The present invention relates to an automatic deposit transaction method in automatic transaction devices used in financial institutions, etc., and in particular, a small savings tax exemption system (hereinafter referred to as Maruyu) in which the amount deposited at the time of transaction is The present invention relates to an automatic deposit transaction method that can prevent transactions from becoming unsuccessful due to exceeding a limit.

(Prior Art) Financial institutions such as banks have introduced automatic transaction devices to streamline office work and improve operational efficiency. When performing a deposit transaction using such an automatic transaction device, a customer makes a deposit by inserting cash into an insertion slot using a transaction card or a bankbook. At this time.

Conventionally, it has been possible to start trading by depositing up to the preset maximum deposit limit of the automatic transaction device, regardless of the amount of Maruyu balance.

(Problem to be solved by the invention) However, in the above transaction method, if the deposit amount exceeds the Maruyu limit due to deposit, it will be inconvenient for the customer. The transaction is determined to be unsuccessful if it exceeds the limit. Therefore, even though the transaction was started, the transaction was not completed, and the customer had to perform the transaction operation again after checking the Maruyu balance. As described above, in the conventional system, it is only possible to check in advance whether the limit has been exceeded depending on the customer's awareness, and there has been no effective means to prevent the failure of a transaction due to the exceedance of the limit.

The present invention has been made in order to solve the problems of the prior art, and is an automatic system that can reliably check in advance whether the deposit limit has been exceeded and prevent transaction failure due to the deposit limit being exceeded. The purpose is to provide a deposit transaction method.

(Means for Solving the Problems) In order to solve the problems of the prior art, the present invention extracts customer information such as account numbers from transaction information media such as transaction cards and bankbooks inserted by customers. The information is sent to the center computer, and the center computer receives information on the types of deposits that can be made in the customer's account (for example, Maruyu balance), and compares the types of deposits that can be made with the maximum deposit limit specific to the automatic transaction device, and calculates the amount of The smaller amount is set as the actual maximum deposit limit for the automated transaction device.

(Operation) In the present invention, when a customer inserts a transaction information medium such as a transaction card or a bankbook into an automatic transaction device during a deposit transaction, the automatic transaction device reads customer information from the medium and transmits it to the center computer. Based on this customer information, the center computer extracts the depositable side information for the corresponding account from the file and sends it to the automatic transaction device. The automatic transaction device compares the type of deposits that can be made from the center computer with the device-specific maximum deposit limit, and sets the smaller amount as the actual maximum deposit limit of the automatic transaction device. Therefore, exceeding the deposit limit is checked in advance, making it possible to prevent transaction failure due to exceeding the deposit limit.

(Example) Examples of the present invention will be described below in detail based on the accompanying drawings.

FIGS. 1A and 1B are operational flowcharts of the automatic deposit transaction system of this embodiment, and FIG. 2 is a block diagram showing the configuration of an automatic transaction system to which the automatic deposit transaction system is applied.

First, the configuration of the automated trading system will be described with reference to FIG. An automatic transaction device (hereinafter referred to as a terminal) 1 is connected to a center (center computer) 3 via an upper communication control device (CCL) 2. The terminal 1 has a main control unit (hereinafter referred to as MCU) 11 that performs main control,
This MCUII includes an interface controller 12,
FDD controller 13, CRT controller 14, operation display section 15, card reader printer controller 16
, a deposit/withdrawal machine controller 17 and a passbook recording machine controller 18 are connected. A system FDD 19 and an electronic journal FDD 20 are connected to the FDD controller 13 , a CRT display device 21 is connected to the CRT controller 14 , and a monitor panel 22 is connected to the operation display section 15 . Further, a card reader printer 23 is connected to the card reader printer controller 16, a deposit/dispensing machine 24 is connected to the deposit/dispensing machine controller 17, and a bankbook recording machine 25 is connected to the bankbook recording machine controller 18. A bill recognition and analysis section 26 is provided between the deposit/disburse machine controller 17 and the deposit/disburse machine 24.

Next, the basic deposit transaction operation of the automatic transaction system will be explained.

First, a screen for allowing the customer to specify the type of transaction is displayed on the CRT display device 21. The customer specifies a deposit transaction by pressing a deposit transaction button (not shown) while viewing the CRT screen. The customer then inserts the transaction card into the card reader/printer 23 or inserts the passbook into the passbook entry machine 25. The transaction card or passbook is then inhaled and customer information such as account number is read. A deposit transaction start message is then transmitted from the terminal 1 to the center 3 via the communication control device (CLL) 2. This message includes at least information indicating deposit transaction selection and account number.

Next, a screen instructing the customer to insert cash is displayed on the CRT display device 21, and the customer inserts the cash from the cash slot of the deposit/withdrawal machine 24. The deposit/withdrawal machine 24 inserts 1 cash from the cash slot.
The banknote recognition and analysis unit 26 takes in the banknotes one by one, determines the denomination and authenticity, counts the banknotes, and temporarily pools the cash. At this time, cash that is not determined to be genuine is returned from the cash outlet. Next, the smaller of the depositable amount received from the center 3 and the terminal operator's deposit limit is compared with the amount of cash input. If the input cash amount is larger, that fact is displayed on the CRT display device 21. On the other hand, if the amount of cash input is smaller, a screen requesting confirmation instructions for transaction execution will be displayed on the CRT display device 2.
Display on 1. Then, when the customer presses a confirmation button (not shown), all the cash pooled at - time is stored in the safe deposit box.
A transaction completion message including the deposit amount is sent to the center 3. The center 3 updates the customer file based on this message, while the terminal 1 uses the card reader printer 23 to rewrite the balance of the transaction card or the passbook entry machine 2
After printing the deposit amount and new balance amount on the passbook according to step 5, the transaction card or passbook is discharged.

Next, the actual transaction flow will be explained in more detail with reference to FIGS. 1(A) and 1(B).

First, the terminal 1 displays guidance for a transaction selection screen on the CRT display device 21 (step SL). Following the guidance, the customer presses the "Deposit" key to select a deposit transaction (step 52).9 Then, a screen instructing the insertion of a card (or passbook) is displayed on the CRT display device 21, and the customer follows this display. A card, which is a transaction information medium, is inserted into the card reader printer 23 (or inserted into the bankbook entry machine 25) (step S3). The terminal 1 checks the validity of the inserted card, and if it is normal, the card is checked. Based on the information read from the card (or passbook), the interface controller 12 transmits a deposit transaction start message including the account number, which is customer information, to the center 3 (step S4). When the center 3 receives the deposit transaction start message containing the account number from the terminal 1, it extracts the balance information from the customer information file corresponding to the account number (step S5), and calculates the depositable amount according to the following formula (step S5). S6).

Deposit possible side = Maruyu limit - Customer balance (1) When the calculation is completed, the calculation result is transmitted to the terminal 1 as a response message (step S7). In the terminal 1, when the interface controller 12 receives the response message from the center 3 (step S8), the MCUll inputs the terminal deposit limit (terminal-specific deposit limit) and the deposit limit calculated by formula (1) (hereinafter referred to as the center). (referred to as the deposit limit) (step S9). As a result of the comparison, if the terminal deposit limit is larger than the center deposit limit, the center deposit limit is set as the deposit limit (step 5IO), and the center deposit limit is set to indicate that the center deposit limit has been used. The flag is turned on in a predetermined area of the memory in the MCUll (step 5ll). On the other hand, if the comparison result in step S9 shows that the terminal deposit limit is smaller than the center deposit limit, the terminal deposit limit is set to the deposit limit. Similarly to the above, the terminal deposit limit flag indicating that the terminal deposit limit has been used is turned on in a predetermined area of the memory in the MCUll (step 513).
.

When the above operations are completed, the terminal 1 starts a deposit operation using the deposit/withdrawal machine 24 (step 514).

When a card or passbook is inserted and a deposit transaction is selected, the deposit/withdrawal machine 24 opens a cash slot and allows the customer to insert cash. The inserted cash is taken into the deposit/withdrawal machine 24 one by one, and the bill verification and analysis section 26 determines the authenticity and counts the bills. Those that are determined to be false are returned and the bills that are determined to be genuine are counted. Items are temporarily pooled until customer confirmation instructions are given.

When there are no more banknotes in the cash slot, the deposit operation is stopped, and the counted amount of deposited cash (only those determined to be true) is compared with the deposit limit.

When the deposit operation is completed (step 515), the limit amount is checked (step 516). If the limit amount is exceeded, it is checked whether the center deposit limit flag is on (step 517). When the center deposit limit flag is on, a screen showing this is displayed on the CRT display device 21 to inform the customer that the limit has been exceeded due to exceeding the Maruyu quota.
(Step 518). On the other hand, when the center deposit limit flag is off (the terminal deposit limit flag is on), a screen showing this is displayed on the CRT display device 21 to inform the customer that the limit of the terminal 1 has been exceeded. Display (step 519). If the limit has not been exceeded, a screen is simply displayed on the CRT display device 21 requesting the customer to confirm the completion of the deposit transaction (step 520).

In step 18, the customer looks at the screen of the CRT display device 21 and learns that the customer has exceeded the Maruti quota.

At this time, the CRT display device 21 may also display the balance of the Maruyu or the excess of the Maruyu. Furthermore, in order to alert the customer, not only the CRT display but also audio guidance or the like may be used to notify the customer that the customer has exceeded the mark. The customer who learns of the overpayment presses a cancellation key instructing cancellation of the deposit transaction. As a result, the temporarily pooled input cash is returned to the outside of the device.

Then, insert cash in an amount within the Maruyu limit and repeat the transaction operation again.

In addition, in the case of margin over margin, the difference between the input cash and the limit amount may be calculated, and the transaction confirmation may be requested after returning the cash equivalent to the difference amount.

Furthermore, before the customer is allowed to insert cash, the current deposit limit may be calculated based on the Maruyu limit received from the center 3 and displayed on the CRT display device 21 to notify the customer.

(Effects of the Invention) As explained in detail above, according to the present invention, the automatic transaction device receives the smaller of the deposit possibilities received from the center computer and the maximum deposit limit of the automatic transaction device itself. Since this is set as the actual maximum deposit limit, it is possible to prevent transactions from failing due to exceeding the Maru-eki limit. Furthermore, by presenting the Maruyu balance to the customer, there is an advantage for the financial institution that it is possible to have the customer deposit up to the Maruyu limit. Furthermore, by calculating the deposit limit from the Maruyu limit received from the center computer and presenting the result to the customer before making the customer insert cash, the customer can know the deposit limit without having to insert cash. You will be able to do this.

[Brief explanation of the drawing]

FIGS. 1A and 1B are operational flowcharts of an automatic deposit transaction system according to the present invention, and FIG. 2 is a block diagram showing the configuration of an automatic transaction system to which the above system is applied. 1... Automatic transaction device, 2... Center, 11...
Main control unit (MCU), 21...C
RT display device, 23... card reader printer, 24
...Deposit/withdrawal machine, 25...Passbook entry machine.

Claims (1)

[Claims] In an automatic deposit transaction method in an automatic transaction device that communicates with a center computer and automatically executes deposit transactions with customers, the center computer extracts customer information from a transaction information medium inserted by the customer. and receives information on the depositable amount in the customer's account from the center computer, compares the depositable amount with the maximum deposit limit of the automatic transaction device, and selects the smaller amount as the actual deposit limit of the automatic transaction device. An automatic deposit transaction method characterized by setting a maximum deposit limit of .