KR900008374B1 - Automatic transaction apparatus - Google Patents

Abstract

The apparatus comprises a first memory means (a-j) for storing various payment informations; a second memory means (k,l) for storing the modification informations of the dealings corresponding with th effective data informations; a modifying means (11) for modifying the payment inforamtions stored on the first memory means on the basis of the modification informations; a display means (16) for displaying the modified payment informations; a selection means (16) for selecting one of the displayed payment informations; and an execution menas (11,14,15,20) for executing the payment dealings using the selected payment information.

Description

Automatic trading device

1 is a diagram showing an example of recording a financial institution data file on a floppy disk in the present invention.

2 is a perspective view of the entire automatic trading device.

3 is a diagram showing a display example of a CRT display section.

4 is a view showing the main configuration of the electric circuit.

5 is a flowchart for explaining the dispensing operation.

6 and 7 are diagrams showing examples of display of the CRT display unit at the time of confirming the payment contents in the payment operation.

* Explanation of symbols for main parts of the drawings

1 body 2 control panel

3: bill inserting portion 4: door

5: CRT display part 6: card insertion hole

7: Bank inserting slot 8: Coin inserting

9: Coin change holder 11: Main fisherman

12: magnetic card reader 13: bankbook printer

14: deposit and withdrawal 15: coin withdrawal

16: service 17: voice guidance

18: internal monitor for the cashier 19: floppy disk

19a: floppy disk device 20: transmission control unit

21: power supply unit 22: remote monitor for the meter

[Industrial use]

The present invention relates to an automatic transaction apparatus, and more particularly, to an automatic transaction apparatus such as an automatic teller machine that allows cash payments from other financial institutions.

[Traditional Technology and Problems]

A cash dispenser that automatically pays the cash required by the user by accepting a strip card containing the user's account information and communicating with a host computer, and the account information is recorded. A cash advance deposit machine that accepts cash automatically using a cash dispenser that automatically pays the amount required by the user by receiving a self-book with a self-strip with a self-strip. The automatic transaction device such as the automatic teller machine that combines both functions into one function is rapidly developed into an automated device of the bank window, and introduced into each bank, thereby providing a quick service to the user.

In addition, among recent automatic trading devices, an automatic payment transaction that accepts cash and transfers the received cash to another bank account, or transfers a predetermined amount from one's account to another bank account by a card transaction, It is developed and put into practical use.

In such an automatic trading system, the payment information required for the payment transaction (佛 入 先 情報: Bank B from the bank A to the deposit account of Bank B or from the bank A to the deposit account of Bank B) The bank account and the branch name are 50 phonemes (meaning 47 kinds of syllables comprising Japanese in 5 letters and 10 rows). A floppy disk as a stored data file is provided, and the inlet line is designated only by inputting the initial character using the inlet line information stored therein.

However, when making a payment transaction as described above, a change in the payment line becomes a problem, i.e., when a bank branch is newly opened or merged, the payment information is not changed at the change date (for example, a new branch is opened). Then, if the non-information information of the point is not reflected), payment to the new point becomes impossible.

By the way, the current revision of the non-incoming information is required to change the contents of the floppy disk once every one month or two months, so that the above problems are desired to be improved.

[Purpose of invention]

The present invention has been invented in view of the above, and it is an object of the present invention to provide an automatic transaction apparatus with improved operability while being able to immediately revise non-arrival information when a change occurs.

[Configuration of Invention]

In order to achieve the above object, the present invention provides an automatic transaction apparatus for making a payment transaction, wherein the first storage means (a to j) storing various payment information, and new establishment, abolition, and integration of the payment vessel. And second storage means (k, l) for storing change information such as name change and the like on the effective date information.

A changing means for comparing the operation date with the effective date information and changing the unassigned information stored in the first storage means a to j based on the change information when the operation date coincides with or after the effective date. (11), display means 16 for displaying the non-arrival information changed by the change means 11, selection means 16 for selecting one of the non-arrival information displayed by the display means 16, and It is characterized in that it is provided with execution means 11, 14, 15, and 20 for executing a payment transaction using the non-arrival information selected by the selection means 16.

(Action)

According to the present invention configured as described above, the operation date coincides with the effective date by storing various non-arrival information in the first storage means, and comparing the change information such as new establishment of a non-delivery line, abolition integration, and name change with the effective date information. The change information is valid when it is on or after that, and the appropriate memory information is read out from the first storage means in response to the changed information, and the read out information is displayed. One of the information is selected and the payment transaction is performed using the selected payment information.

(Example)

Hereinafter, an embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

2 shows an automatic transaction apparatus according to the present invention, i.e., an operation part 2 having a substantially `` b '' shape is formed on the front side of the main body 1. In the horizontal plane of the operation part 2, replacement and payment are not carried out. In addition to being able to put a number of bills to be collected in a batch, a bill insertion slot 3 for receiving the change of bills is provided, and the bill insertion slot 3 is provided with a door 4 that opens and closes. On the horizontal surface of (2), the display is displayed on the color-CRT surface with a built-in touch sensor to induce the user, and according to the display, it corresponds to the password number, amount, account number, transaction approval and confirmation or cancellation. When the part is pressed, a touch sensor (not shown) senses it, and so-called key operation for outputting a signal corresponding thereto is performed by the controller 11 to be described later.

That is, for example, as shown in FIG. 3, the sentence " Please fill in the name of the person to be sent 'is displayed, and the key indicating the type of business of the person to enter the person and the name of the person to be entered is displayed. The contents and the display are changed each time the operation and the step state of the device change.

In addition, on the vertical surface of the operation unit 2, a card insertion opening 6 for inserting a magnetic card as a recording medium on which a code number and account information is recorded, a bank insertion opening 7 for inserting a bankbook, and a coin opening 8 for inserting coins ) And a coin change inlet 9 for receiving the change of coins.

In the main body 1, as shown in FIG. 4, the main control unit 11, which controls the entire apparatus, and the card inserted into the card insertion opening 6, accept the card number and the code number of the magnetic strip on the card. A magnetic card reader 12 for receiving account information such as an account number, a magnetic strip of the bankbook inserted into the bankbook insertion slot 7, and a transaction in a bankbook and a journal paper (not shown) Bankbook printing unit 13 for recording the contents, the banknote insertion section 14 for accepting a banknote inserted into the banknote inserting opening 3 or dispensing a banknote of a specified amount to the banknote inserting opening 3, the coin opening 8 Coin accepting and receiving unit 15, which accepts coins put into the coin or withdraws coins of the designated amount to the coin receptacle receiving unit 9, a reception unit 16 constituted by the CRT display unit 5, a speaker (not shown); To voice the customer Data stored in one medium, that is, the floppy disk 19, the information guide 17, the internal monitor 18 for cashiers, information and changes of financial institutions required for payment transactions, and date information for validating the changed information. A floppy disk device 19a for reading a file, a transfer control unit 20 and a power supply unit 21 for controlling data transfer between the main control unit 11 and a main computer (center) as an external device (not shown). Is installed. The main controller 11 is connected to an external remote monitor 22 for external use.

Next, a data file of a financial institution stored in the floppy disk 19, so-called all bank data files, will be described with reference to FIG.

This data file is composed of files a to l and is connected in the direction of the arrow by a pointer (address) stored in each file, where file a is a financial institution name data file. This includes the business code of the financial institution (e.g., city banks and local banks, trust banks, agricultural cooperatives, etc.) and the type-specific pointer (if not available, start address in file (b), if available) The start address in the file (c)), the type kanji code, and the Kanagawa code are stored.

The file (b) is a bank file index file, in which bank names are stored in 50th order, and a pointer (start address in the file c) is given to each. In addition, the file (c) is a bank name data file, which includes various bank name data and pointers, which are separated by financial institution type and classified by the initial letter of the name of the financial institution. (Start address in file d, if not available, start address in file e, if listed) are stored.

The file d is a bank branch name index file, in which bank branch names are stored in the order of 50 negative numbers, and a pointer (start address in the file e) is given to each. The file (e) is a bank branch name data file, which contains various bank branch name data consisting of a Chinese character code and a gadana code, which are classified by bank name and classified by the initial letter of the branch name among the banks. The file k is the change information, that is, the change point name data file, which contains codes and data indicating changes such as new and abolished, and the effective date corresponding to each change data when the change information is present. The code is stored.

In addition, the file f is a pointer to the name of the prefecture in which the Agricultural Cooperative is located (Japan's regional name) and the Kanji code and the prefecture by the prefecture (if not available, the start address in the file g, and if possible, the file Start address) is stored.

The file g is a file which is an agricultural cooperative color, and the agricultural cooperative name is stored in 50th order, and a pointer (start address in the file h) is given to each. In addition, the file (h) is the agricultural cooperative name data file, where the agricultural cooperatives are classified by prefectures (regional names in Japan), and the agricultural cooperatives consisted of various Chinese cooperatives consisting of Hanja codes and gadana codes. Name data and a pointer (start address in file i, if not available, and start address in file j, if available) are stored. The file (i) is an Nonghyup branch name index file, and the Nonghyup branch name is stored in the order of 50 negative numbers, and each pointer (start address in the file j) is given. The file (j) is an agricultural cooperative branch name data file, which contains various agricultural cooperative branch name data consisting of a Chinese character code and a gadana code, which are classified by agricultural cooperative name and classified by initial letter of the branch name. The file (l) is a change information, that is, a change agricultural information name data file, in which a code and data indicating a change of new and abolished data are stored, and an effective date code corresponds to each change data when the change information is present. It is stored.

Next, the dispensing operation will be described with reference to the flowcharts shown in Figs. 5A to 5E in the above configuration.

First, the automatic trading device is powered on in the morning of the operation day, and is updated with a center (not shown) for the country processing. At this time, the full text sent from the center includes date data, and the main control unit 11 stores the date data in the internal memory (not shown) as the date of the operation date.

After the country has been established, if the user is placed in front of the device, the CRT display (5) will say, "Come on, please specify what to handle" and "Collect, deposit, balance inquiry, "Select passbook, pass" key is displayed. When the user presses the portion marked "payment" according to this guideline, the main control unit 11 judges that the next processing step is proceeded by this, and "press the type of payment" on the CRT display unit 5 by this. In addition to the display, a selection key of " cash and card injection " is displayed (ST1).

If the user continues to press the portion marked "injection of the card" according to the guidance (ST2), the control unit 11 determines that the payment is made by the card injection (ST3). The card user is selected to use the card (ST3 '), and when the card is used, the " insert a card " is displayed on the CRT display unit 5 (ST4).

Subsequently, when the user instructs the card to be inserted into the card insertion slot 6 according to the guidance (ST5), the card enters the magnetic card reader 12 and is recorded on the magnetic strip by the magnetic head (not shown). Account information such as an encryption code and an account number is read out (ST6).

The account information is checked by the main control unit 11 (ST7). If it is determined that the card is not correct, the main control unit 11 performs an error process. In addition, when it is determined that the card is correct, the main control unit 11 displays "Please press your password number" on the CRT display unit 5 and displays a ten-key and a correction key ( ST8).

Subsequently, the user inputs the password number by pressing the portion where the numeric key is displayed according to the guidance (ST9). By inputting this code number, the main control unit 11 judges whether or not the code numbers match and, if not, performs the password re-input process. In addition, the main control unit 11 displays "Please press the payment amount" on the CRT display unit 5 when the password number matches or when it is determined that the cash (card not used) at step ST3 '. Numeric and amount keys are displayed (ST11).

Subsequently, the user inputs the payment amount according to the guidance (ST12), and by this input, the main control unit 11 registers the registration key or designation depending on whether or not the destination to be sent to the CRT display unit 5 is registered. Press the key "(ST13). Subsequently, when the designated key is input in accordance with the user's guidance (ST14), and the main controller 11 determines that the input of the designated key is performed (ST15), the main controller 11 is sent to the CRT display unit 5, Press the name of the financial institution. "A selection key of the financial institution name is displayed based on the financial institution name data read from the file (a) of the floppy disk 19 (ST16).

When the user presses the name of the financial institution according to this guide (ST17), by pressing this, the main fisherman 11 determines that the institution is not the NACF (ST17 '), and also judges that it is not the name of the individual institution (ST18). If it is determined that this is impossible (ST19), the main control unit 11 displays "Please press the bank name header of the sending place" on the CRT display unit 5, and displays the Kadanaki, the correction key, and the completion key. (ST20).

If the completion key is pressed here (ST21) or if the main control unit 11 determines that the list is possible in step ST19, the main control unit 11 displays "Please press the bank name of the sender" and the floppy. The bank name selection key is displayed based on the bank name data read out from the file c of the disk 19 (ST22).

That is, when it is judged that the list is possible, the main control unit 11 uses a pointer for each type displayed on the file a in the floppy disk 19 to display a plurality of bank data (corresponding to the selected financial institution). List of banks), and when the initial letter of the bank name is inputted, the main control unit 11 stores the file in the file (c) according to the pointer of the data corresponding to the inputted letter in the file (b) of the floppy disk 19. The bank name data is read out, and these bank names are displayed on the CRT display unit 5.

If the user presses the bank name of the place where the user sends according to this guide (ST23), or if the main control unit 11 determines that the individual bank name is input by this pressing or in step ST18, the main control unit 11 determines the name of the branch. If it is determined that the list is impossible (ST24), the CRT display section 5 displays "Please press the heading of the name of the point to send", and also displays the katagan and the correction and completion keys (ST24 '). When the completion point is pressed (ST25) or step (ST24), if the point name is simply listed, the main control unit 11 reads out the point name data from the file e of the floppy disk 19 and the file k. Change information, that is, change data, is read (ST25a).

Then, if there is new branch data, the main control unit 11 continuously reads the date data and adds it to the data read from the file e when it is valid, that is, when the date coincides with or after the operation date (ST25b). In the case of closed point data, the main control unit 11 similarly checks the date and, when valid, deletes the point data among the data from the file e (ST25b).

After the above process, the main control unit 11 displays, on the CRT display unit 5, "Please press the point name of the send destination", and displays a selection key of the branch name based on the branch name data that has been added and deleted (ST26). That is, when it is judged that the list of branch names is possible, the main control unit 11 uses a pointer to each bank indicated by the file (c) on the floppy disk 19. When a list of branches corresponding to the selected bank is read out and a heading for the branch name is inputted, the main control unit 11 adds a pointer to the data corresponding to the heading inserted into the file d on the floppy disk 19. The bank branch name data is read out from the day (e) and (k), and the bank branch names are displayed on the CRT display section 5.

If the user presses the name of the branch to send to the user according to this guide (ST27), by pressing this, the main control unit 11 displays "Please press the account number and deposit item of the destination" on the CRT (5). Numeric keys, correction keys, ordinary keys and checking keys are displayed (ST28). According to this guide, the user inputs the account number and the deposit item (ST29). If the main control part 11 is not the main point by this input (ST30), please press "Recipient's name" on the CRT display part (5). &Quot; " and the " Kadanaki " " correction key & completion key " When the completion key is pressed (ST32) and step (ST30), the main control unit 11 displays "Do you register to send?" On the CRT display unit 5 and registers. "Key not registered" is displayed (ST71).

If the user makes a payment transaction in accordance with this guideline and presses the "register" key in the future (ST72), the main control unit 11 judges the registration of the sender and registers the sender during the message sent to the main computer. The process proceeds to step ST33 in which data to be displayed is put. In addition, if the user does not perform the same transaction in accordance with the contents in step ST71, and the user presses the "Do not register" key (ST73), the main control unit 11 does not judge the registration of the sender, and the step ( ST33).

Subsequently, similarly to the case where the registration key is input in step ST15, the main control unit 11 displays, on the CRT display unit 5, "waiting for a while because it is currently in computer processing" (ST33). At this time, the full text from the main computer (not shown) includes the recipient's household number, account number, name, address, telephone number, and a number of non-payment information (bank name (gadna code), branch name (gadana code), account Number and cash item].

Further, the main control unit 11 transmits and receives the inquiry full text and prints the result on the journal paper (ST34). As the payment information in the inquiry message, the financial institution name, the bank name, and the branch name are transmitted and received by code. If main controller 11 continues to be registered (ST35). As shown in FIG. 6, the CRT display unit 5 displays "Please press OK when the recipient is correct" and displays the recipient information and the first registered payment information (bank name and bank branch name) in Chinese characters. In addition, the confirmation key, the cancellation key, and the designated key of the next registration are displayed (ST36).

The payment information, i.e., the bank name and the bank branch name, is displayed by Chinese characters based on the data read from the files (c) (e) (k) and the like of the floppy disk 11 according to the Ghana code. When the user presses the designated key and the confirmation key or the cancel key of the next registration according to this guidance (ST37), when the main control unit 11 judges the input of the next registration designated key (ST38), it returns to the step (ST36). The incoming line information is changed to the next incoming line information, and the display is performed. When it is determined that the cancel key is input (ST38), the cancel process is performed.

In addition, when it is determined in step ST35 that the main control unit 11 is not registered, the main control unit 11 displays "Please confirm the recipient" on the CRT display unit 5, and the file of the floppy disk 19. (c) Recipient information is displayed in Chinese characters based on the data read out from (e), etc., and a confirmation key and a cancellation key are displayed (ST40). When the user presses the confirmation key or the cancel key in accordance with this guidance (ST41), when the hand control unit 11 determines that the cancellation key is input (ST42), the cancellation processing is performed.

In addition, when the main control unit 11 judges that the confirmation key is not used and the card account is not used (ST39) in the steps ST38 and ST42 (ST39), the main control unit 11 displays the " payment name " "Please indicate" and the key to designate the establishment of the office of the incoming and outgoing ship (ST43), and press the transfer name and the completion key according to this guidance (ST44). Subsequently, when the main control unit 11 determines that the card account is used at step ST39, the main control unit 11 displays "Please press OK when the contents of the payment are corrected" on the CRT display unit 5 as shown in FIG. In addition to the display, the payment contents, the cancel key and the confirmation key are displayed (ST47).

When the user presses the confirmation key or the cancel key according to this guidance (ST48), when the main control unit 11 judges that the cancellation key is input (ST49), the cancellation processing is performed, and the determination of the input of the confirmation key (ST50) is performed. ) When it is judged that the card account is not used, the CRT display unit 5 displays "Please insert banknotes and coins into respective slots, and if it is correct, press the confirm key", and displays the confirmation key and the cancel key (ST51). ).

According to this guidance, when a user inserts a bill into the bill insertion slot 3 and inserts the coin into the coin inlet 8 (ST52), the bill is accepted into the deposit and withdrawal unit 14, and the coin becomes an audit coefficient. Is accepted by the coin deposit and withdrawal unit 15 (ST53).

When the audit coefficient is finished, the main control unit 11 displays the input amount of money displayed in step ST51 on the CRT display unit 5 (ST54). According to this guidance, the user presses the confirmation key and the cancel key (ST55). When the main control unit 11 determines that the cancellation key is inserted (ST56), the cancellation processing is performed, and the main control unit 11 performs the confirmation key. If the input is judged, it is judged whether there is any change by comparing the input amount with the input amount (ST80). Therefore, when the main control unit 11 determines that there is a change, it is determined whether there is a card once again (ST81).

At this time, when it is judged that there is a card, the main control unit 11 displays "Do you pay change?" On the CRT display unit 5 and displays a selection key (ST82). When the user makes the desired choice according to the guidance (ST83), the main control unit 11 stores the result of the selection and gives the result to the full text sent to the computer.

After the completion of the processing in step ST83 or in the case of determining the use of the card account in step ST50, the main control unit 11 displays, "Currently, the computer is currently processing, please wait a moment" on the CRT display unit 5 ( ST57). In addition, the main control unit 11 transmits and receives the full text and prints the result on a journal paper using a printing device (not shown) (ST58). Upon completion of this printing, the main control unit 11 determines whether or not the selection in step ST83 pays out the change in cash (ST59). In this case, when the main control unit 11 determines the cash disbursement of the change, the main control unit 11 displays, on the CRT display unit 5, "Collect the paper money and coins at each receiving port" and displays the change amount. (ST60). At this time, the main control unit 11 operates the deposit and withdrawal unit 14 to release the change banknotes into the bill insertion slot 3, and operates the coin withdrawal unit 15 to release the change coins to the coin receiving port 9. (ST61). This release causes the user to receive the change (ST62). When the receipt of the change is finished, it is determined whether there is a card again (ST63). At this time, if it is determined that there is no card, the payment is terminated. On the other hand, when the main control unit 11 determines that the card is present in step ST63 and that the change of the change is not cash in the step ST59, the main control unit 11 displays the " card " Please receive it "(ST64). At this time, the main control unit 11 releases the card to the card insertion opening 6 (ST65). Then, when the user receives the card (ST66), the payment processing ends.

Next, when it is determined in step ST17 'that the type of industry of the financial institution is Nonghyup, the main control unit 11 displays "Please fill in the name of the Nonghyup to send" to the CRT display unit 5. On the basis of the data read from the file f of the floppy disk 19, the selection key, the correction key and the completion key of the smart name are displayed (ST84). When the completion key is pressed here (ST85), when it is determined that the list is impossible (ST86), the main control unit 11 displays "Please enter the initial name of the agricultural cooperative name" on the CRT display unit 5, and is pressed. If the main control unit 11 determines that the list is possible in step ST88 or step ST86, the main control unit 11 displays `` Please fill out the agricultural cooperative name to send '' and the floppy disk 19 The selection key of the NACF is displayed based on the NACF data read from the file (ST89).

That is, when it is judged that the list is possible, the main control unit 11 uses a plurality of agricultural cooperative name data (selected material strings) in the file h by a pointer to each material string represented by the file f on the floppy disk 19. When the head of the agricultural cooperative name is read, and the head of the agricultural cooperative name is inputted, the main control unit 11 uses a pointer of data corresponding to the heading input to the file g on the floppy disk 19. The agricultural cooperative name data is read from the file (h), and the agricultural cooperative name is displayed on the CRT display unit 5.

According to this guide, the user presses the name of the agricultural cooperative where the user sends (ST90), and when it is determined that the list of the branch names is impossible by this pressing (ST91), the main control unit 11 sends the "CRT" to the display unit 5. Please enter the heading of the branch name of the place ", and also display the Kanadaki, the correction key, and the completion key (ST92). When the completion key is pressed (ST93) or when it is determined in step ST91 that the list of branch names is possible, the branch name data is read from the file j of the floppy disk 19 and changed in the file l. Information, that is, change data is read out (ST93a). In addition, if there is new branch data, the main control unit 11 continues to read the date data, and adds the data read from the file j if it is valid, i.e., if the date coincides with or after the operation date. ST93b). In addition, if there is closed point data, the main control unit 11 checks the date as well, and when it is valid, removes the corresponding point data among the data from the file j (ST93b).

Accordingly, the main control unit 11 displays, on the CRT display unit 5, "Please enter the point name of the destination", and displays the selection key of the point name based on the added and deleted point name data (ST94). That is, when it is judged that the list of the branch names is possible, the control unit 11 uses the pointers for the agricultural cooperative names represented by the file h on the floppy disk 19 in (j) (l) to display several agricultural cooperative branch name data. (List of branches corresponding to the selected agricultural cooperatives) is read out, and when the heading of the branch name is inputted, the main control unit 11 stores the data corresponding to the heading inputted to the file i on the floppy disk 19. The agricultural branch point name data is read out from the file j (l) by the pointer, and the agricultural branch point name is displayed on the CRT display unit 5. FIG.

When the user presses the branch name according to this guide (ST95), by pressing this, the main control unit 11 displays "Please enter the account number and deposit item of the destination" on the CRT display unit 5, Numeric keys, correction keys, ordinary keys and quick keys are displayed (ST96). When the user inputs the checking number and deposit item according to this guideline (ST97), the control unit 11 displays "Do you register to send?" On the CRT display unit 5 and registers with this input. The key "Do not register" is displayed (ST98).

According to this guide, the user presses the "register" key in the future when making a payment transaction (ST99). Then, the main control unit 11 determines the registration of the sender and registers the sender during the message sent to the main computer. The flow advances to step ST101 in which data to be displayed is put. In addition, when the user does not make a transaction in the future according to the guidance in step ST98, the user presses the "Do not register" key (ST100). Then, the main control unit 11 does not judge the registration of the sender. The process proceeds to ST101. Subsequently, as in the case where it is determined that the registration key is input in step ST99, the main control unit 11 displays, on the CRT display unit 5, "Please wait a moment because it is currently in computer processing" (ST101).

The full text of the main computer (not shown) includes the recipient's store number, account number, name, address, telephone number, and a number of non-payment information (Nonghyup name (Gadana code) and Nonghyup branch name (Gadana code), Account number and type of deposit]. In addition, the main control unit 11 transmits and receives the inquiry full text and prints the result on the journal paper (ST102).

The wise name and the agricultural cooperative name as payment information in the inquiry text are transmitted and received by code. Subsequently, the main controller 11 proceeds to step ST35 to perform the processing as described above. However, when the confirmation of the addressee and the sender is indicated at step ST36 (ST40), the agricultural cooperative name of the place where the sender is sent based on the data read by the file (h) (j) (l) of the floppy disk 19, etc. And Nonghyup branch name is to be displayed in Chinese characters.

Next, the above-mentioned change of the change information will be described.

When a change occurs in the change information of the floppy disk 19, the new change information is supplied to the main control unit 11 through the transmission control unit 20 by the center (not shown). ) Changes the file k (l) in the floppy disk 19 based on this change information.

In other words, in the file k (l), the code and data indicating the condition of new and stop, etc. are changed, and the effective date data is replaced for each changed data.

As described above, by providing a file storing the change information and the date data for validating the change, the change information is validated by comparing the operation date of the apparatus with the effective date information, thereby making the change information invalid. It is possible to make amendments when the period of time has been acquired, and when the bank or Nonghyup branch is newly opened or when the merger is made, the payment information corresponding to the change date can be changed, and the payment to the branch when the new opening or merger is made. Since the transaction can be performed, the operability can be improved.

In addition, the change information and the effective date information can be changed by online communication, and the load on the center side required for the change can be reduced as well as change is possible. In addition, since the payment information, the change information, and the date information are stored in one storage medium, the processing period can be shortened, and the change can be made without causing an increase in expenses. Further, by using the date data inputted by communication with the center, the date of the operation date compared with the change date can not only omit setting on the apparatus main body side, but also improve convenience.

In the above embodiment, the change of the branch name has been described. However, the present invention is not limited to this, and even in the case of the name of the financial institution, the same file and file can be realized, and the financial institution may be replaced with a post office. In the above embodiment, a floppy disk has been described as a file. However, the present invention is not limited thereto, and a fixed magnetic disk or the like may be used as the file.

In addition, although the change information of a file was demonstrated so that it might be processed according to the instruction | indication in a center, it is not limited to this, You may make it operate from an automatic transaction apparatus.

[Effects of the Invention]

As described above, according to the present invention, it is possible to provide an automatic transaction apparatus with improved operability while being able to revise non-arrival information when a change occurs.

Claims (5)

In an automatic transaction apparatus for making a payment transaction, the first storage means (a-j) storing various payment information, and change information such as new establishment and abolition of a payment vessel, consolidation, and name change are valid date information. The second storage means (k, l) stored in correspondence with the operation date and the effective date information are compared and stored in the first storage means (a to j) when the operation date coincides with or after the effective date. Change means (11) for changing the non-payment information present on the basis of the change information, display means (16) for displaying the non-payment information changed by the change means (11), and the fire displayed by the display means (16) A selection means 16 for selecting one of the winning prize information and execution means 11, 14, 15, 20 for executing a payment transaction using the non-ferencing information selected by the selection means 16. An automatic trading device characterized in that. The automatic transaction apparatus according to claim 1, wherein the non-payment information comprises an institution type of a financial institution, a financial institution name, a branch name, and the like. The automatic transaction apparatus according to claim 1, wherein the change information and the effective date information in said second storage means (k, l) are changed by online communication with an external device. 2. The automatic according to claim 1, wherein the non-arrival information of the first storage means (a to j), the change information and the effective date information of the second storage means (k, l) are stored in the same storage medium. Trading device 2. The automatic transaction apparatus according to claim 1, wherein an operating date is input by an online communication with an external device.

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