JPH0315780B2 - - Google Patents

Description

[Detailed Description of the Invention] (a) Industrial Application Fields This invention is applicable to various applications such as deposits (deposits), withdrawals (cash payments), transfers (transfers), bookkeeping, and balance inquiries performed in the banking industry. The present invention relates to a transaction processing method for an automatic transaction processing device that selects and automatically performs transactions.

(b) Prior Art Conventionally, a multi-functional automatic transaction processing device capable of performing the various transactions described above has been considered, but this device can be operated by selecting and inputting a desired transaction using a transaction processing selection means. It was something to do.

(c) Problems to be solved by the invention However, one of the problems with multi-functional automatic transaction processing devices is that they become complicated to operate, and when operations become complicated, customers avoid using the devices. Equipment availability decreases.

Furthermore, as the device becomes more multi-functional, there are also problems in that the number of processing options increases and the processing time becomes longer.

Therefore, the present invention addresses the above-mentioned problems, and even if it is a multi-functional automatic transaction processing device, it can be operated as easily as a single function, and can be processed in the same processing time as a single function, and further, The device provides a transaction processing method for a convenient automatic transaction processing device that allows each transaction to be performed in a normal manner by selecting a key.

(d) Means for solving the problem This invention sets the mode in which multiple transaction processes such as deposits, withdrawals, and transfers are selected by the transaction selection means and the selected transaction process is executed as the normal transaction mode. An automatic transaction processing device, which sets an automatic transaction mode for automatically executing a specified transaction among the plurality of transaction processes, and is provided with a specific key for specifying this automatic transaction mode, and is provided to the device. Transaction specification data specifying a specific transaction is recorded on a recording medium, and if the device is in the normal transaction mode, after one of a plurality of transaction processes is selected by the transaction selection means, the selected transaction is and automatically execute the transaction processing specified by the transaction specification data of the recording medium provided to the device, based on the device being set to automatic transaction mode by pressing the specific key. It is characterized by being a transaction processing method for an automatic transaction processing device.

(e) Effect The transaction processing method of the automatic transaction processing device of this invention is such that when the automatic transaction processing device is in the normal transaction mode, after one of a plurality of transaction processing is selected by the transaction selection means, When a transaction is executed and the automatic transaction processing device is set to automatic transaction mode using a specific key, the transaction processing specified by the transaction specification data on the recording medium provided to the device is automatically executed. Execute.

(f) Effects of the invention As a result of the above, according to the present invention, a customer can conduct a transaction with the same operation as a single function by simply pressing a specific key and providing a recording medium, which improves the operability for the customer. Furthermore, even though the device has multiple functions, the single-function operation specification reduces processing time and improves the operating rate of the device.

In addition, if you do not operate a specific key, you can use it as a normal multi-function by selecting various transaction keys in the normal transaction mode, so when performing a transaction other than the transaction specified by the forced specification data, you can use the normal selection operation. It can be used as a multi-function device, and can be conveniently used by selecting automatic processing of specific transaction processing and other transaction processing.

(g) Embodiment of the invention An embodiment of the invention will be described in detail below based on the drawings.

The drawing shows an automatic transaction processing device that performs multiple transactions such as deposits, payments, transfers, bookkeeping, and balance inquiries.

In FIG. 1, the automatic transaction processing device 20 is equipped with a horizontal operation surface 21 that protrudes forward, and an operation procedure display 22 is provided on the right side of this operation surface 21. The operating procedure for the customer is displayed along each step, and the customer operates based on the displayed guidance.

A plurality of transaction keys 23 are provided at the left and right positions of the above-mentioned operation procedure display 22, and specify transaction types such as deposit, payment, transfer, bookkeeping, and balance inquiry.

A numeric keypad 24, an amount unit key 25, a confirmation key 26, a cancel key 27, and an amount display 28 are provided on the front of the operation procedure display 22, and the numeric keypad 24 displays numerical information such as a password, amount, or transfer destination. , the amount unit key 25 is used to enter the unit of 10,000, 1000, or yen for the amount entered using the numeric keypad 24, the confirmation key 26 is operated when the input or displayed amount is correct, and the cancel key 27 is pressed. When operated to cancel a transaction midway through, the amount display 28 displays the amount entered using the numeric keypad 24 and amount unit key 25 or the amount read from the card or passbook.

A bill inlet 29 and a bill outlet 30 are provided on the left side of the operation surface 21, which are normally closed by a shutter 31 and opened when necessary. The above-mentioned banknote inlet 29 inputs deposited banknotes during a deposit transaction, and the banknote discharge port 30 discharges returned banknotes during a deposit transaction and paid banknotes during a payment transaction.

An attendant key 32 is provided at the left end of the aforementioned operation surface 21, and is operated by an attendant when operating the device 20.

A handling display section 34 is provided at the upper position of the substantially vertical operation surface 33 of the device 20 described above, and this display 34 displays the types of transactions that can be processed.

There is a card entry port 35 on the right side of the operation surface 33 mentioned above.
A slip receiving slot 36 is provided at the bottom thereof, a card given to a customer is inserted into the card insertion slot 35, and a slip with various transaction data printed on it is ejected from the slip receiving slot 36. Ru.

A bankbook insertion slot 37 is provided on the left side of the aforementioned operation surface 33, and the bankbook given to the customer is inserted into the bankbook with the pages opened in a printable state.

The door key 3 is located at the upper and lower left end of the operation surface 33 mentioned above.
8 and an attendant call key 39 are provided, and the door key 3
8 is operated by a staff member when the side door (not shown) of the device 20 is opened and the staff operates the inside, and the staff call key 39 is operated by a customer when the customer operates the device 20 and needs to call the staff. Operate this.

An automatic key 40 is provided on the right end side of the aforementioned operation surface 21, and this automatic key 40 is operated when performing an automatic transaction based on transaction designation data recorded on a card or passbook, which will be described later.

FIG. 2 shows the internal structure of automatic transaction processing device 20, which is composed of six units 41-46.

The main control unit 41 includes a master CPU 47, ROM
48, RAM 49, and two interfaces 50 and 51, the interface 50 connects the other units 42 to 46 and the main control unit 41, and the interface 51 connects the center and the main control unit 41. , ROM48 is master CPU47
The RAM 48 stores execution programs, and the RAM 48 stores various data.

This main control unit 41 controls other units 42-46.

The other units 42 to 46 are slave units in common.
Equipped with CPU52, ROM53, RAM54, and interface 55, each ROM53 is connected to each slave CPU.
Each RAM 54 stores various data, and each interface 55 is connected to the main control unit 41.

The panel control unit 42 is the customer service panel control section 5.
7 and a monitor panel control section 58, the customer service panel control section 57 has various keys 23 to 27, 32, 3.
Transaction type, PIN number, transfer destination designation, automatic transaction designation, payment amount, entered in steps 8, 39, and 40.
Input control processing such as confirmation, cancellation, staff operation, staff call, door opening, and various displays 22, 28, 3
4. Display control processing is performed. The monitor panel control section 58 performs input control processing for a test mode switch and a set button (both not shown) provided inside the device 20.

The bill discriminating unit 43 includes a bill discriminating section 59 and a bill storage section 60, and the bill discriminating section 59 determines the authenticity and denomination of the bills inserted into the bill slot 29 for deposit, and determines the amount. The banknote storage section 60 stores the inserted banknotes after the above-described discrimination process.

The passbook printing unit 44 includes a passbook reading section 61, a passbook printing section 62, and a journal printing section 63. Reads the passbook data required for the passbook, such as bank number and account number. The bankbook printing unit 62 prints transaction data indicating transaction details on the print page of the bankbook. The journal printing unit 63 prints transaction data showing transaction details on journal paper.

The slip issuing unit 45 includes a card reader section 64,
A slip printing section 65 is provided, and a card reader section 64 reads card data necessary for the card, such as bank number and account number recorded on the magnetic stripe of the card inserted into the card insertion slot 35, and also updates the card data. Record data to card. The slip printing unit 65 prints transaction details on a slip, issues it, and discharges it to the slip receiving slot 37.

The banknote discharging unit 46 includes a banknote discharging section 66, which counts and dispenses banknotes corresponding to the payment amount and discharges them into the banknote discharge port 30 at the time of payment.

FIG. 3 shows the recording format comprised in the magnetic stripe of the card, which is divided into a bank transaction data field 70 and a transaction designation data field 71.

The above-mentioned bank transaction data field 70 records data necessary for a customer to transact with a bank, such as a bank number and account number, and the transaction specification data field 71 records transaction specification data specifying the type of transaction and the transaction. Any accompanying data will be recorded.

The above-mentioned transaction specification data field 71 is set using normal reserve fields, and this field 71 includes a transaction type area 72, amount area 73,
A transfer destination area 74 is provided.

The transaction type area 72 described above records coded codes for various transactions, such as deposits, payments, transfers, bookkeeping, and balance inquiries, and the amount area 73 records the amounts of deposits, payments, and transfers, and the transfer destination area 74 Record the number of the transfer destination.

The recipient's bank number or account number is used as the recipient's bank number, but since the number of individual recipients is small, this is encoded and the code is recorded, and the encoded bank number or account number of the recipient is Store it in the center file of the center.

For example, if the transaction type is a deposit, such as a savings deposit in which a fixed amount is regularly deposited, the code indicating the deposit is recorded in area 72, and the amount thereof is recorded in area 73. If it is a transfer, enter the code indicating the transfer in area 72, the transfer amount in area 73, and the area 74.
Record the code of each transfer destination.

The transaction designation data is recorded in the transaction designation data field 71 by an encoder at the counter.

FIG. 4 shows a recording format formed on the magnetic stripe of a passbook, and this recording format is also divided into a bank transaction data field 75 and a transaction designation data field 76, similar to the aforementioned card.

The above-mentioned bank transaction data field 75 records data necessary for a customer to transact with a bank, such as bank number, account number, account, balance, etc., and data necessary for processing a passbook. Transaction designation data specifying the transaction type and data accompanying the transaction are recorded.

Note that a transaction type area 77, an amount area 78, and a transfer destination area 79 are set in the transaction designation data field 76 described above, but the data recorded in these areas is based on the transaction designation data field 71 set in the card described above. Each area 72-74
Since it is the same as , the details are omitted.

The transaction designation data is recorded in the transaction designation data field 76 by the encoder at the counter, as in the case of the card described above.

The transaction processing operation of the automatic transaction processing device 20 configured as described above will be explained with reference to a flowchart.

This automatic transaction processing device 20 handles various transactions using cards and various transactions using passbooks.Furthermore, in the case of card or passbook transactions, there are normal transactions performed by the user by selecting the transaction type, and transactions recorded on the card or passbook. There is an automatic transaction based on designated data, and this automatic transaction is executed by operating a specified automatic key 40.

In FIG. 5, the panel control unit 42 resets the automatic key pressed flag stored in the RAM 54 in step 1, controls the customer service panel control section 57 in step 2, and controls the operation procedure display 2.
2 displays an instruction to insert a passbook or a card, and in the next steps 3 and 4 it is determined whether a passbook or a card is to be inserted.

The above determination is made depending on whether the passbook reading section 61 of the unit 44 or the card reader section 64 of the unit 45 has read the passbook data or card data.

When a customer performs a transaction using a card, the customer inserts the card into the card insertion slot 35, and when a customer performs a transaction using a bankbook, the customer inserts the bankbook into the bankbook insertion slot 37.

In step 5, when both the passbook and the card are not inserted, it is determined whether the automatic key 40 has been pressed, and if it has not been pressed, the process returns to step 3, but before the passbook or card is inserted, the automatic key 40 is pressed.
When the key is pressed, the automatic key press flag stored in the RAM 54 of the panel control unit 42 is reset in step 6, and the process returns to step 3.

When it is determined in step 4 that the card has been inserted, the card reader section of the unit 45 reads the card data in step 7, and this card data is
The data is stored in a predetermined area of the RAM 54.

The unit 42 controls the customer service panel control section 57 and determines in step 8 whether the automatic key 40 has been pressed.

That is, when performing an automatic transaction, the customer presses the automatic key 40.

This press causes an automatic key press flag to be set in the RAM 54 of the unit 42.

Note that if the above-mentioned automatic key is not pressed, a normal transaction is processed in routine 2S.

When the above-mentioned automatic key 40 is pressed, the slip issuing unit 45 reads the card data stored in the RAM 54 to determine the presence or absence of transaction designation data and the type of transaction.

When it is determined in step 9 that the transaction designation data is a deposit (deposit) transaction, automatic deposit transaction processing is performed in routine 5S, and in step 10 it is determined that the transaction designation data is a payment (withdrawal) transaction. If so, automatic transaction processing for payment is performed in routine 6S, and when it is determined in step 11 that the transaction designation data is a transfer transaction, automatic transaction processing for transfer is performed in routine 7S, and in step 11, there is no transaction designation data. When it is determined that this is the case, normal transaction processing is performed in routine 2S.

On the other hand, when insertion of the passbook is determined in step 3, the passbook reading section 61 of the unit 44 reads the passbook data in step 12, and this passbook data is
The data is stored in a predetermined area of the RAM 54.

The unit 42 controls the customer service panel control section 57 and determines in step 13 whether the automatic key 40 has been pressed.

That is, when performing an automatic transaction, the customer presses the automatic key 40. This press causes an automatic key press flag to be set in the RAM 54 of the unit 42.

Note that if the above-mentioned automatic key is not pressed, a normal transaction is processed in routine 3S.

When the above-mentioned automatic key 40 is pressed, the passbook printing unit 44 reads the card data stored in the RAM 54 to determine the presence or absence of transaction designation data and the type of transaction.

In step 14, transaction specification data is deposited (deposit)
If it is determined that the transaction is a transaction, automatic deposit transaction processing is performed in routine 4S, and if it is determined in step 14 that there is no transaction designation data, routine 3 is executed.
Perform normal transaction processing with S.

FIG. 6 shows a normal transaction using a card. If no transaction designation data is recorded on the card or if the automatic key 40 is not pressed, the operating procedure display 22 displays an instruction to select a transaction in step 90. , the customer selects the desired transaction key 2 based on the display.
Press 3.

If it is determined in step 91 that the transaction key 23 has been pressed, it is determined in the next step what kind of transaction it is.

That is, if it is determined in step 92 that the transaction is a deposit (deposit), the deposit process is performed in step 97. This process is a normal deposit transaction process that the customer operates according to the display on the operating procedure display 22, including inserting banknotes, counting the amount, displaying the amount, checking the amount, updating the balance, issuing a slip, returning the card, etc. By performing predetermined processing and terminating these processing, the deposit transaction using the card is completed 2E.

If it is determined in step 93 that the transaction is a payment (withdrawal) transaction, the withdrawal process is performed in step 98. Similar to the above, this process is a normal payment transaction process in which the customer operates according to the display on the operating procedure display 22, and includes the customer's personal verification by inputting a PIN number, input of the requested payment amount, and the payment amount. Predetermined processes such as display, amount confirmation, balance update, bill release, slip issuance, and card return are performed, and by completing these processes, the card payment transaction is ended 2E.

If it is determined in step 94 that the transaction is a payment (withdrawal) transaction that also uses a passbook, the withdrawal process is performed in step 99. Similar to the above, this process is a normal payment transaction process operated by the user, including personal verification of the user, insertion of passbook, input of payment request amount, amount display, amount confirmation, balance update, release of banknotes, and passbook. Perform the prescribed processing such as printing, returning the passbook card, etc.
By completing these processes, the card,
Finish the payment transaction using the passbook 2E.

If it is determined in step 95 that the transaction is a transfer, transfer processing is performed in step 100. Similar to the above, this process is a normal transfer transaction process operated by the customer, and includes customer personal verification, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, slip issuance, card return, etc. By performing predetermined processing and terminating these processing, the transfer transaction by card is completed 2E.

If it is determined in step 96 that the transaction is a transfer using a bankbook, transfer processing is performed in step 101. Similar to the above, this process is a normal transfer transaction process operated by the customer, including personal verification of the customer, insertion of a pass, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, and passbook printing. ,
By performing predetermined processes such as returning the passbook card and terminating these processes, the transfer transaction by card and passbook is completed 2E.

FIG. 7 shows a normal transaction using a passbook. If no transaction designation data is recorded in the passbook or if the automatic key 40 is not pressed, the step
At 102, the operating procedure display 22 displays an instruction to select a transaction, and the customer selects the desired import key 2 based on the display.
Press 3.

If it is determined in step 103 that the transaction key 23 has been pressed, it is determined in the next step what kind of transaction it is.

That is, if it is determined in step 104 that the transaction is a deposit (deposit), the deposit process is performed in step 107. This process is performed by the customer on the operating procedure display 2.
The normal deposit transaction processing is performed according to the display shown in step 2, including inserting deposit banknotes, counting the amount, displaying the amount,
Predetermined processes such as checking the amount, updating the balance, printing the passbook, and returning the passbook are performed, and by completing these processes, the deposit transaction using the passbook is ended 3E.

Payment (withdrawal) using a card in step 105
If it is determined that the transaction is a transaction, the withdrawal process is performed in step 108. Similar to the above, this process is a normal withdrawal process operated by the user, including personal verification of the user, insertion of card, input of billed amount, amount display, amount confirmation, balance update, release of banknotes, and passbook. Perform the prescribed processing such as printing, returning the passbook card, etc.
By completing these processes, the payment transaction using the passbook card is completed 3E.

If it is determined in step 106 that the transaction is a transfer using a card, transfer processing is performed in step 109. Similar to the above, this process is a normal transfer process operated by the customer, including customer personal verification, card insertion, transfer destination input, transfer amount input, amount display, amount confirmation, balance update, passbook printing, etc.
Predetermined processing such as returning the passbook card is performed, and by terminating these processes, the transfer transaction using the passbook card is ended 3E.

FIG. 8 shows an automatic transaction using a passbook. When transaction designation data for a deposit transaction is recorded in the passbook and the automatic key 40 is pressed, the customer service panel control unit 57 controls the operation procedure display 22 in step 110. to display instructions for inserting cash.

The customer inserts deposited banknotes into the banknote slot 29 with the shutter 31 opened, and when the banknotes are inserted,
The banknote discriminating unit 59 takes in the banknotes one by one from the banknote input slot 29 and performs authenticity and denomination discrimination, and the amount data is stored in the RAM 54 of the unit 43, and the taken banknotes are stored in the banknote storage unit 60. .

When it is determined in step 111 that the cash storage has been completed, the amount of money to be deposited is displayed on the amount display 28, and an instruction to confirm the amount is displayed on the operation procedure display 22.

After confirming the displayed amount, the customer presses the confirmation key 26, and when this press is determined in step 113,
At step 114, center communication is performed.

That is, the main control unit 41 reads passbook data from the passbook printing unit 44, and also reads deposit amount data from the banknote discrimination unit 43, and transmits these passbook data and deposit amount data to the center.

Search the center file based on the account number in the center passbook data, update the balance, and transmit the new balance to the terminal.

In step 115, the slip issuing unit 45 organizes the details of the deposit transaction based on the new balance and the passbook data, prints the details of the deposit transaction on the slip by the slip printing section 65, and issues the slip.

Further, in step 116, the bankbook printing unit 44 organizes deposit transaction printing data based on the new balance, and the bankbook printing unit 62 prints it on the bankbook.

When these prints are completed, in step 117,
The operation procedure display 22 displays an instruction to remove the passbook, and the passbook is returned to the passbook insertion slot 37.

When the customer pulls out the passbook and it is determined in step 118 that the passbook has been removed, the operating procedure display 22 displays an instruction to pull out the slip in step 119, and the slip is discharged to the slip receiving slot 36.

When the customer pulls out the slip and it is determined in step 120 that the slip has been pulled out, the main control unit 41 resets each unit 42 to 44 to the initial state,
Execute 4E to end the automatic transaction of deposits using the passbook.

Figure 9 shows automatic transaction of deposit by card,
The transaction designation data of the deposit transaction is recorded on the card,
and the automatic key 40 is pressed, the step
At 121, the operating procedure display 22 displays an instruction to insert cash.

When a customer inserts a banknote into the banknote slot 29, the banknote discriminator 59 selects one banknote from the banknote slot 29.
The banknotes are taken in one by one and checked for authenticity and denomination.The amount data is stored in the RAM 54 of the unit 43, and the taken in banknotes are stored in the banknote storage section 60.

In step 122, when it is determined that the cash storage has been completed, the amount display 28 displays the amount of money to be deposited, and the operation procedure display 22 displays an instruction to confirm the amount.

After confirming the displayed amount, the customer presses the confirmation key 26, and when this press is determined in step 124,
Center communication is performed in step 125.

That is, the main control unit 41 reads card data from the slip issuing unit 45 and also reads deposit amount data from the bill discriminating unit 43.
These card data and deposit amount data are transmitted to the center.

The center searches the center file based on the account number in the card data, updates the balance, and transmits the new balance to the terminal.

In step 126, the slip issuing unit 45 organizes the deposit transaction printing data based on the new balance, and the slip printing section 65 prints and issues the slip.

At step 127, the operating procedure display 22 displays an instruction to remove the card, and the card is inserted into the card insertion slot 3.
It will be returned on 7th.

When the customer removes the card and it is determined in step 128 that the card has been removed, the operating procedure display 22 displays an instruction to remove the slip, and the slip is transferred to the slip receiving slot 3.
6 is released.

When the customer pulls out the slip and it is determined in step 130 that the slip has been removed, the main control unit 41 resets each unit 42, 43, 45 to its initial state and completes the automatic card deposit transaction 5E.

FIG. 10 shows an automatic withdrawal transaction using a card. When transaction specification data for a payment transaction is recorded on the card and the automatic key 40 is pressed, the slip issuing unit 45 specifies the transaction based on the card data read from the card. In step 131, it is determined whether data that uses a passbook together is recorded in the data.

If the card data does not contain data for use with a passbook, the process will be skipped to step 134.
When the above data is recorded, the step
At 132, the operating procedure display 22 displays an instruction to insert a passbook.

When the customer inserts the bankbook into the bankbook insertion slot 37 and it is determined in step 133 that the bankbook has been inserted, the customer's personal verification is then performed.

That is, in step 134, the operating procedure display 22 displays an instruction to input the password.

The customer enters the password using the numeric keypad 24, and when it is determined in step 135 that the password has been input, it is determined in the next step 136 whether the passwords match.

That is, the panel control unit 42 reads out the password of the card data stored in the slip issuing unit 45 and compares it with the input password.

If the comparison results in a discrepancy, the process returns to step 134, where the user is instructed to re-enter the password, and if they match, the customer's personal verification is permitted.

In step 137, when the slip issuing unit 45 determines that the amount data for payment is fixedly recorded in the transaction specification data of the read card data, the process skips to step 140, but if the amount data is not recorded. If it is not available, it will be input by the customer.

That is, in step 138, the operating procedure display 22 displays an instruction to input the amount.

The customer uses the numeric keypad 24 and the amount unit key 25
Enter the billing amount and proceed to step 139.
If it is determined that the input has been completed, the amount display 28 displays the input billed amount or the read amount data, and the operation procedure display 22 displays an instruction to confirm the amount.

The user presses the confirmation key 26 after confirming the displayed amount, and when this press is determined in step 141,
At step 142, center communication is performed.

That is, the main control unit 41 reads card data from the slip issuing unit 45, further reads billing amount data from the panel control unit 42, and transmits these card data and amount data to the center.

The center searches the center file based on the account number in the card data, updates the deposit balance, and transmits the new balance to the terminal.

At step 143, the voucher issuing unit 45 organizes the payment transaction printing data based on the new balance and
The slip is printed and issued by the slip printing unit 62.

Further, the banknote discharging unit 46 discharges banknotes at a banknote discharging section 66 based on the amount data of the payment request.

In step 144, it is determined whether the transaction uses a passbook.
If the transaction involves only a card, skip to step 148, or if the transaction involves a passbook, press passbook printing unit 4.
4 organizes payment transaction print data based on the new amount and payment request amount data,
Step 2 to print on your passbook.

At step 146, the operating procedure display 22 displays an instruction to remove the passbook, and the passbook is returned to the passbook insertion slot 37.

When the customer removes the passbook and it is determined in step 147 that the passbook has been removed, the operating procedure display 22 displays an instruction to remove the card in step 148, and the card is returned to the card insertion slot 35.

When the customer withdraws the card and it is determined in step 149 that the card has been withdrawn, the operating procedure display 22 displays an instruction to withdraw the banknotes and slips in step 150, and the paper waste is placed in the bill ejection port 30 and the slip is They are respectively discharged to the slip receiving port 36.

The customer takes out the paper and slip and steps
When removal is determined in step 151, the main control unit 4
1 resets each unit 42 to 46 to the initial state and terminates automatic card payment transaction 6E
do.

FIG. 11 shows an automatic transfer transaction using a card. When transaction specification data for a transfer transaction is recorded on the card and the automatic key 40 is pressed, the slip issuing unit 45 reads the transaction specification data of the card data read from the card. In step 152, it is determined whether data for using a passbook together is recorded.

If the card data does not contain data for use with a passbook, the process will be skipped to step 155.
If a passbook is to be used together, the operation procedure display 22 will display an instruction to insert the passbook.

When the customer inserts the bankbook into the bankbook insertion slot 37 and it is determined in step 154 that the bankbook has been inserted, the customer's personal verification is then performed.

That is, in step 155, the operation procedure display 22
displays an instruction to input a password, the customer enters the password using the numeric keypad 24, and this password is stored in the RAM 54 of the panel control unit 42.

When it is determined in step 156 that the password has been input, it is determined in the next step 157 whether the passwords match.

That is, the panel control unit 42 reads the password of the card data from the slip issuing unit 45 and compares it with the input password.

As a result of the comparison, if there is a mismatch, the process returns to step 155 and instructions are given to re-enter the password, and if they match, the customer's personal verification is permitted.

In step 158, the slip issuing unit 45 determines whether the transfer amount data is recorded in the transaction specification data of the read card data, and if the amount data is fixedly recorded, the slip issuing unit 45 proceeds to step 161.
However, if there is no record of amount data, it will be input by the customer.

In step 159, the operating procedure display 22 displays an instruction to input the amount to be transferred, and the customer inputs the amount to be transferred using the numeric keypad 24 and the amount unit key 25. When it is determined in step 160 that this input has been completed,
In step 161, the slip issuing unit 45 determines whether the transfer destination data is recorded in the transaction specification data of the read card data, and if the transfer destination data is fixedly recorded, the slip issuing unit 45 proceeds to step 164.
However, if the transfer destination data is not recorded, it will be input by the customer.

In step 162, the operating procedure display 22 displays an instruction to input the transfer destination, and the customer inputs the bank number and account number of the transfer destination using the numeric keypad 24, and when it is determined in step 163 that the input has been completed, Interim communication between the centers is carried out.

That is, the main control unit 41 reads the transfer destination data from the panel control unit 42, transmits this to the center, and can inquire as to whether there is a transfer destination or not and whether there is a transfer fee.

The center checks whether there is a transfer destination, and if a fee has been set, transmits data such as the fee to the terminal.

When the transfer is possible, the amount display 28 displays the inputted transfer amount or the read transfer amount in step 165, and the operation procedure display 22 displays an instruction to confirm the amount.

After confirming the displayed amount, the customer presses the confirmation key 26, and when this press is determined in step 166,
Next, in step 167, center communication is performed.

That is, the main control unit 41 reads card data from the slip issuing unit 45 and transmits it to the center.

The center searches the center file based on the account number in the card data, debits the transfer amount and fees that have already been transmitted from the deposit balance, and transmits the new balance to the terminal.

At step 168, the slip issuing unit 45 organizes transfer transaction printing data based on the new balance, the amount to be transferred, etc., and prints and issues the slip in the slip printing section 62.

In step 169, it is determined whether the transfer transaction uses a bankbook or not, and if the transaction involves only a card, it is determined in step 173.
However, if a passbook is used together, the passbook printing unit 44 organizes the transfer transaction printing data based on the new balance and transfer data, and the passbook printing unit 62 prints it on the passbook, and the journal printing unit 63 prints it on journal paper. do.

At step 171, the operating procedure display 22 displays an instruction to remove the bankbook, and the bankbook is returned to the bankbook insertion slot 37.

When the customer pulls out the bankbook and it is determined in step 172 whether the customer has removed the bankbook, the operating procedure display 22 displays an instruction to remove the card and returns the card to the card insertion slot 35 in step 173.

When the customer removes the card and it is determined in step 174 that the card has been removed, in step 175 the operation procedure display 22 displays an instruction to remove the slip, and the slip is ejected to the slip receiving slot 36.

When the customer picks out the slip and it is determined in step 176 that the slip has been taken out, the main control unit 41 resets each unit 42, 44, 45 to its initial state and terminates the automatic card payment transaction 7E.
do.

Although transaction processing such as balance inquiry and bookkeeping is not shown in the above-mentioned embodiment, inquiries are made to the center as appropriate.

[Brief explanation of drawings]

The drawings show one embodiment of the invention, and FIG. 1 is a perspective view of an automatic transaction processing device. Figure 2 is a block diagram of its configuration. FIG. 3 is an explanatory diagram of the recording format of the card. FIG. 4 is an explanatory diagram of the record format of a passbook. FIG. 5 is a flowchart showing transaction processing by the automatic transaction processing device. Figure 6 is a flowchart showing normal card transactions. Figure 7 is a flowchart showing normal transactions using a passbook. Figure 8 is a flowchart showing fully automatic transactions using a passbook. FIG. 9 is a flowchart showing an automatic transaction for depositing money by card. FIG. 10 is a flowchart showing an automatic withdrawal transaction using a card. FIG. 11 is a flowchart showing an automatic transfer transaction using a card. 20...Automatic transaction processing device, 35...Card insertion slot, 37...Passbook insertion slot, 40...Automatic key,
41... Main control unit, 44... Passbook printing unit, 45... Slip issuing unit, 61... Passbook reading section, 64... Card reader section, 71, 76...
…Transaction specification data field.

Claims (1)

[Scope of Claims] 1. An automatic transaction processing device in which multiple transaction processes such as deposits, withdrawals, and transfers are selected by a transaction selection means, and a mode in which the selected transaction process is executed is a normal transaction mode, An automatic transaction mode is set to automatically execute a specified transaction among the multiple transaction processes described above, and a specific key is provided to specify this automatic transaction mode, and a specific transaction is specified on a recording medium provided to the device. record transaction designation data, and if the device is in the normal transaction mode, execute the selected transaction after one of a plurality of transaction processes is selected by the transaction selection means, and the device executes the selected transaction; A transaction processing method for an automatic transaction processing device that automatically executes transaction processing specified by transaction designation data on a recording medium provided to the device based on the automatic transaction mode being set by pressing a key.