JPH03288264A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To properly deal with the inquiries given from the customers by grasping at the host device side the contents of the fault of a transaction medium that affects the transaction processing of an automatic transaction device. CONSTITUTION:A medium state deciding means 61 of a 1st automatic transaction device 11 detects the fault of a transaction medium and specifies the contents of the fault. The specified contents of the fault are stored in a fault contents storage means 76. When the fault contents stored in the means 76 are informed to a host device 5 under the control of a medium state informing means 62, a medium state analyzing means 37 of the device 5 analyzes the informed fault contents and sends the result of analysis to a print means 33 and a display means 35. Thus it is possible to accurately grasp the fault contents and to properly deal with the inquiries of customers when such a state that prevents the transaction processing is caused by a fault of the transaction medium.

Description

Detailed Description of the Invention (Field of Industrial Application) The present invention relates to an automatic transaction system comprising an automatic transaction device that automatically performs various transactions in financial institutions, etc., and a host device that monitors the operational status of this automatic transaction device. Regarding the system.

(Prior Art) Many financial institutions such as banks have introduced automatic transaction devices that automatically perform various transaction processing in response to business expansion and labor saving. This automatic transaction device is installed in a business store or a facility outside the store (such as a public facility), and allows customers to perform withdrawal transactions, transfers, etc. by their own operations. By using this automatic transaction device, customers can conduct transactions relatively freely without being restricted by the counter business hours of the branch.

Now, multiple automatic transaction devices are grouped together,
The operating status of the system is monitored by a host device installed at a central monitoring center or the like.

Here, the configuration including this host device and automatic transaction device will be referred to as an automatic transaction system.

FIG. 2 shows a configuration diagram of a conventional general automated trading system.

The automated trading system 1 shown in the figure includes a central monitoring center 2.
A host device 5 and a communication control unit (NCU) 6 provided in
, a telephone communication means 7, and an automatic transaction device 1 installed in the branch 3.
0 (first to third automatic transaction devices 11 to 13), a central monitor panel 14, a communication control unit (NCU) 15, and a telephone communication means 16.

The host device 5 includes a system console 2o and a printing means 21. The system console 20 includes:
It is composed of an operation control section 22 and a display section 23.

An NCU 6 is connected to the operation control section 22. NCU
6 is connected to the NCU 15 via a public network 17. A central monitor board 14 is connected to the NCU 15, and an automatic transaction device l○ is connected to this central monitor board 14.

Further, the communication means 7 is connected to the communication means 16 via a public network 17.

The host device 5 is an automatic transaction device 1 installed in the branch 3.
It is a processing device that monitors the operational status of 0 and is equipped with functions to control and manage various transaction processing and the like. The operation control unit 22 of the system console 2o controls the automated transaction device 1
It consists of a processor that monitors the operational status of 0, controls and manages transaction processing, etc., a storage device that stores various programs and data, and a keyboard that inputs data. The display unit 23 is composed of a display or the like that displays various information. The printing means 21 is a printer that performs various types of printing.

The NCU 6 controls communication between the host device 5 and the public network 17.

The communication means 7 is comprised of a known telephone device or the like for making a telephone conversation with the communication means 16 via the public network 17.

Automatic transaction device 10, that is, first to third automatic transaction device 11-
Reference numeral 13 executes various transaction processes based on operations by the customer. The central monitor panel 14 is equipped with a keyboard, etc., which is operated by a predetermined operator when checking the operation of the automatic transaction device 10. The NCU 15 controls communication between the automatic transaction device 10 and the public network 17. The telephone communication means 16 is comprised of a known telephone device or the like for communicating with the telephone communication means 7 via the public network 17.

The public network 17 consists of communication lines for performing general public communications.

In the automated transaction system 1 having the above configuration, it is assumed that, for example, a customer operates the first automated transaction device 11 to perform a withdrawal transaction.

In this case, the customer inserts a card, ie, a transaction medium, into a predetermined location of the first automatic transaction device 11. The first automatic transaction device 11 reads the information recorded on the card, and checks whether the reading result is normal (whether the read information consists of a predetermined number of bits, etc.), the password, etc. It is then determined whether the validity code, which indicates that the card was invalidated due to an incorrect input, is valid. This determination is made to determine whether or not a fault exists in the card. Here, a failure refers to a case where information recorded on the card is missing due to damage or the like, resulting in poor reading, or where the validity code indicates invalidity. If the result of this judgment is that there is no failure, the customer is prompted to input information such as a PIN number and transaction amount.

When the input of this information is completed, the first automatic bow-taking device 1
1 accesses the host device 5 and requests permission to execute the transaction. Based on this request, the host device 5 updates the balance, for example, and gives permission to the first automatic transaction device 11 to execute the transaction. Upon receiving this permission, the first automated teller machine 11 counts the cash for withdrawal, prints a transaction slip, etc. Then, cash and transaction slips are handed over to the customer, and the card is returned, completing the process. In addition, when the transaction medium is a passbook, it is also necessary to check whether there are any problems with the passbook, that is, whether the information reading results are normal, whether the validity code is valid, and whether the inserted page is correct. A judgment will be made as to whether

(Problem to be Solved by the Invention) By the way, if it is determined that there is a failure as a result of determining whether there is a failure in the transaction medium, the transaction medium must be immediately returned to the customer and a notification that the transaction cannot be processed is provided. I was doing it.

In this case, the customer is not notified of any specific reason why the transaction cannot be completed. Therefore, during business hours, the customer can explain to the staff at the counter the reason why the transaction is not possible, and have appropriate measures taken.

However, when there is no staff near the first automated teller machine 11, for example when the financial institution is operating unmanned on a holiday, the customer can use the communication means 16 to contact the host machine 5's staff, i.e. You will be able to meet the staff in the monitoring center 2 in time.

However, since the host device 5 side could not grasp any failures in the transaction medium, it could only give abstract responses such as asking the customer to come to the counter at a later date, and could not take prompt and appropriate measures.

The present invention has been made with the above points in mind.In the event that a transaction cannot be processed due to a failure in the transaction medium, automatic trading can accurately grasp the details of the failure and take appropriate measures. The purpose is to provide a system.

(Means for Solving the Problems) The automatic transaction system of the present invention includes an automatic transaction device and a host device that monitors the operational status of the automatic transaction device, wherein the automatic transaction device a medium condition determining means for detecting a failure in a transaction medium used in a transaction and specifying the details of the failure; a failure content storage means for storing the details of the failure identified by the medium condition determining means; media status notification means for notifying the host device of the details of the failure stored in the storage means; the host device includes output means for displaying the operational status of the automatic transaction device; The apparatus further comprises a medium condition analysis means for analyzing the content of the failure of the medium based on the received notification and displaying the result on the output means.

(Operation) In the system described above, a fault in a transaction medium is detected by the medium state determination means of an automatic transaction device, and the content of the identified fault, which characterizes the content, is stored in the fault content storage means.

When the contents of the failure stored in the failure contents storage means are notified to the host device under the control of the medium condition notification means, the medium condition analysis means of the host device analyzes the contents of the notification and outputs the results to the output means. is displayed.

(Example) FIG. 1 is a block diagram of an automatic transaction system of the present invention.

The automated trading system 1 shown in the figure includes a central monitoring center 2.
The host device 5 and communication control device (NC1J) provided in
6. Telecommunications means 7, automatic transaction devices 10 (first to third automatic transaction devices 11 to 13) provided in the branch 3, centralized monitor panel 14, communication control unit (NCU) 15, and communication means 16
It consists of

The above configuration is the same as that previously explained in FIG. 2. Therefore, duplicate explanations will be omitted as appropriate.

Now, in FIG. 1, the configurations of the host device 5 and the first automatic transaction device 11 are illustrated in detail.

First, the host device 5 is provided with a processor 31, a storage means 32, a printing means 33, an input means 34, a display means 35, and an input/output interface means 36 connected to the processor 31.

The processor 31 controls and manages the operation status and transaction processing of each part constituting the host device 5 and the automatic transaction device 10. The storage means 32 is composed of a RAM or the like that stores programs, data, etc. necessary for the operation of the processor 31. The printing means 33 is a printer that performs various types of printing. The input means 34 consists of a keyboard or the like. The display means 35 consists of a display or the like that displays various information. The input/output interface means 36 is a known interface that synchronizes signals transmitted between the host device 5 and the NCU 6.

The processor 31 is provided with a medium condition analysis means 37. This medium condition analysis means 37 is based on the automatic transaction device 1
When a media failure notification is received from 0, the content is analyzed and the analysis results are sent to output means (printing means 33, display means 3
5) is used to control the display.

The storage means 32 is provided with a message table 71 and a notification message storage means 72.

The message table 71 is a table that associates notification codes included in notification messages sent from the automatic transaction device 1° with meanings of the notification codes. Here, the first item 71a of the message table 71 stores message 1 (message indicating failure (NG) of the card magnetic stripe) corresponding to the notification code "001". Similarly, in the second and third items 71b and 71c, message 2.
3 is stored.

The notification message storage means 72 stores the notification message notified from the automatic transaction device 10. The area of this notification message storage means 72 is increased or decreased in accordance with the number of automatic transaction devices 10 managed by this host device 5. In the embodiment, an area that can store three notification messages is secured.

The first automatic transaction device 11 includes a processor 41, an input means 42, and a display means 4 connected to the processor 41.
3. Input/output interface means 44, storage means 45, medium handling means 46, printing means 47, and cash handling means 48 are provided.

The input/output interface means 44 is connected to the central monitor panel 14.

The processor 41 controls and manages each component of the first automatic transaction device 11. The input means 43 consists of a display or the like that displays various information.

The input/output interface means 44 is connected to the first automatic transaction device 1
1 and the centralized monitor board 14. The storage means 45 is composed of a RAM or the like that stores programs, data, etc. necessary for the operation of the processor 41. The media handling means 46 reads and writes information recorded on cards and passbooks, and furthermore, prints embossed information on cards and prints on passbooks, that is, records from card reader printers, passbook reader printers, etc. It is what it is. The printing means 47 is a printer that performs various types of printing. The cash handling means 48 includes a cash stacker for storing cash such as banknotes, a counting mechanism for counting the cash, and the like.

The processor 41 is provided with a medium state determining means 61 and a medium state notifying means 62. Medium status determining means 61
determines whether the information on the transaction medium read by the medium handling means 46 does not impede the transaction, that is, whether or not there is a fault in the card, passbook, etc., and if there is a fault, the content is recorded. It is something that specifies. The medium status notifying unit 62 controls notifying the host device 5 of the details of the failure identified by the medium status determining unit 61 and generates a notification message used for this notification.

The storage means 45 is provided with a notification code table 75 and a fault content storage means 76.

The fault code table 75 is a table that associates the details of the fault identified by the medium condition determining means 61 with the notification code that encodes the details of the fault. Here, the first item 75a of the notification code table 75 stores the notification code "○01" corresponding to judgment 1 (determination result that the content of the failure is a card magnetic stripe failure (NG)). . Similarly, the second and third items 75b and 75c have notification codes “002” and “○03” corresponding to judgment 2.3.
is stored.

The fault content storage means 76 is an area that temporarily stores notification codes obtained by referring to the notification code table 75.

Here, the operation of the automatic transaction system 1 having the above configuration will be explained with reference to FIGS. 3 and 4.

First, FIG. 3 is a configuration diagram of a notification message according to the present invention.

The notification message 8o shown in the figure is a message sent from the automatic transaction device 10 to the host device 5.

The notification message 80 is composed of a header part 81 and a data part 82.

The header section 81 includes a message type 81a indicating the meaning of this message, a branch code 81b indicating the branch 3 to which the automatic transaction device 10 that generated this message is set, and a branch code 81b indicating the branch 3 that generated this message. It consists of a device number 81c for identifying the automatic transaction device 10. The data section 82 stores a notification code 82a.

Next, FIG. 4 is a flowchart according to the present invention.

In the figure, the left side shows the processing of the host device 5, and the right side shows the processing of the automatic transaction device 10 side.

Here, a case will be described using as an example a case where a transaction is performed in the first automatic transaction device 11 using a transaction medium (a card used for transactions such as deposits and withdrawals).

When the customer operates the first automatic transaction device 11 to select a desired transaction and the transaction is started (step S1), the processor 41 determines whether a transaction medium (card) has been inserted into the medium handling means 46 or not. (Step S2) If the result is YES, that is, the card is inserted, the medium handling means 46 reads the information recorded on the card (
Step S3). Then, the medium status determining means 61 determines whether the card can be used for transactions, that is, whether or not there is a failure (step S4).

This determination is made based on whether there is no missing information in the read content, whether the validity code is valid, etc. If the result of step S4 is YES, the medium state determining means 61
is to identify the content of the failure, e.g. magnetic stripe reading failure.
After reaching the following conclusion, the system further refers to the notification code table 75, reads out a notification code corresponding to the content of the failure, and stores this notification code in the failure content storage means 76 (step S5). The processor 41 drives the medium handling means 46 to return the card to the customer (step S6). At this time, the display means 43 displays a message such as "Transaction not available" to notify the customer that the transaction is not possible.

Now, when the card is returned, a notification telegram 80 including the notification code stored in the fault content storage means 76 is generated under the control of the medium status notification means 62, and this notification telegram 8o
an input/output interface means 44, a central monitor panel 14,
The information is transmitted to the host device 5 via the NCU 15 and the public network 17 (step S7).

If the result of step S2 is NO, it is determined whether a predetermined time has elapsed without the card being inserted, that is, whether a timeout has occurred (step S2).
8). If the result is NO, return to step S2, and YE
If S, the process ends.

The host device 5 receives the notification message 8o from the automatic transaction device 11.
When the message is received (Step 511), the medium condition analysis means 37 is started and analyzes the contents, such as recognizing from which automatic transaction device the message was sent (Step 512). , the notification message 80 (contents of the data section 82) is stored in a predetermined area on the notification message storage means 72 (step 513).

Now, if a customer whose transaction has been refused wants to confirm the reason, etc., he/she will make an inquiry using the telephone communication means 16.

Therefore, the staff member at the host device 5 receives an inquiry from the customer via the communication means 7 (step 515).

The staff member uses the telephone communication means 7 to ask the customer to explain the situation, for example, to notify the customer of information such as the store name and equipment number. Then, the clerk operates the input means 34 to input the information notified by the customer along with a command indicating a search for a failure related to the automatic transaction device. As a result, the medium condition analysis means 37 of the processor 31 is activated (step 516).

The medium condition analysis means 37 searches the contents of the notification message storage means 72 based on the input information. This makes it possible to specify predetermined content corresponding to the input information, ie, the store code, equipment number, etc. Furthermore, this specified predetermined content is read out, and the message table 71 is created based on the notification code 82a included in the read content.
, and the corresponding message, for example, message 1, is read out. The read message 1 is then displayed on the display screen of the display means 35 (step 517). Also, the message 1 is displayed (printed) using the printing means 33 as required. Based on the message 1 displayed on the display means 35 or the printing means 33, the clerk informs the customer of the situation via the communication means 7, ie, "The magnetic stripe of the card is damaged, so please come to the counter at a later date." The contents will be explained (step 518).

As described above, the person in charge of the host device 5, that is, the monitoring center 2
On the other hand, it is possible to grasp the failure of the transaction medium and take appropriate measures using the communication means 7.16.

Further, the following modifications of the present invention are possible.

In FIG. 4, the process of step S7, that is, sending the notification message, is not executed immediately after step S6, but is executed when a transmission request is received from the host device 5.

In this case, among the processes on the host device 5 side, step S15
．． The processing at 316 is performed before step Sll.

Therefore, since the host device 5 side obtains the information only when it wants to know the details of the failure of the transaction medium, unnecessary communication from the first automatic transaction device 11 to the host device 5 is reduced.

The present invention is not limited to the above embodiments.

Although the explanation has been given using a card as an example of a transaction medium, similar processing can be performed not only with a card used for deposit/withdrawal transactions, but also with a passbook, a transfer card used in a transfer transaction, etc.

(Effects of the Invention) The automated trading system of the present invention configured as described above allows the host device to accurately grasp the details of the fault in the transaction medium that is interfering with transaction processing by the automated trading device. If so, appropriate action can be taken.

[Brief explanation of the drawing]

FIG. 1 is a block diagram related to the automatic trading system of the present invention,
FIG. 2 is a block diagram of a conventional automatic transaction system, FIG. 3 is a block diagram of a notification message according to the present invention, and FIG. 4 is a flowchart according to the present invention. 5... Host device, 7.16... Communication means, 11-
13... First to third automatic transaction devices, 37... Medium condition analysis means, 61... Medium condition determining means, 62... Medium condition notification means, 71... Message table, 72... - Notification message storage means, 75...Notification code table, 76...Fault content storage means. 70-cheat figure 4 concerning a talented man

Claims (1)

[Claims] An automatic transaction device comprising an automatic transaction device and a host device that monitors the operating status of the automatic transaction device, wherein the automatic transaction device detects a failure in a transaction medium used during transaction processing. , a medium condition determining means for specifying the contents of the failure; a failure contents storage means for storing the contents of the failure specified by the medium condition determining means; medium status notification means for notifying the host device, the host device comprising: output means for displaying the operational status of the automatic transaction device; An automatic transaction system comprising: medium condition analysis means for analyzing the contents of a failure and displaying the result on the output means.