JPH0336665A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To exactly and speedily execute automatic transaction collating transaction, which is established before a fault is generated, to a host computer when the fault is generated during the transaction and controlling display showing whether the transaction is established or not based on a collated result. CONSTITUTION:When the fault is generated during transacting operation, an automatic transaction device 5 stops the operation under the control of a fault recognizing device 62. When the information of an instruction to collate the establishment are received, in a host computer 11, newest transaction information established by the automatic transaction device 5 are read from a customer file 12 and transmitted to the device 5. An establishment collating device 63 of the device 5 receives the transaction information from the computer 11. The device 63 activates a collated result controller 64 and informs these transaction information. The controller 64 reads the contents of the transaction stored in the device 62 and compares the contents with the transaction information from the device 63. When the information are coincident, it is printed to a detailed statement that the transaction is established and when they are dissident, it is printed to the detailed statement that the transaction is not established together with the transaction contents and transaction information by using a sheet printer 53. Then, processing is finished.

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of Industrial Application) The present invention relates to an automatic transaction device capable of inquiring about the transaction progress status when a failure occurs.

(Prior Art) Financial institutions and the like are equipped with counter terminals that process various types of withdrawals for customers. In addition, automatic transaction devices are used when customers themselves process various types of withdrawals without the assistance of bank employees. Now, the teller terminal and the automatic transaction device are connected to a host computer (host computer) that centrally manages various information via a communication line. The teller terminal device and automatic transaction device are operated under control and management of this host computer.

FIG. 2 shows a configuration diagram of a conventional general financial system.

In the figure, the financial system is composed of an information center 1, a sales branch 2, and an automatic transaction layer 3. The information center 1, the sales branch 2, and the automatic transaction layer 3 are connected by a communication line 4. The information center 1 centrally controls and manages transactions at a plurality of sales outlets 2 and the automatic transaction layer 3. The sales branch 2 is a location (such as each branch) where bank employees are placed to serve customers. The automatic transaction layer 3 is provided, for example, in public facilities (government offices, stations, etc.), and is a place where transactions with customers are processed unmanned.

The information center 1 is provided with a host computer 11 and a customer file 212. The sales office 2 is provided with a counter terminal 21 and an automatic transaction device 22.

The automatic transaction store 3 is provided with an automatic transaction device 31.

The host computer 11 of the information center 1 controls and manages the operations of the counter terminals 21 and automatic transaction devices 22 and 31 provided in the sales branch 2 and the automatic transaction store 3. The customer file 12 is composed of a disk device and the like that stores information regarding the customer, such as deposit balances and passwords.

The counter terminal 21 of the branch 2 is a terminal device of the host computer 11 for inputting and outputting information necessary for processing deposits and withdrawals. The automatic transaction device 22 is a device in which customers themselves perform transaction operations such as deposits and withdrawals. The automatic transaction device 31 of the automatic transaction store 3 also has a similar configuration to the automatic transaction device 22.

Now, in the system configured as described above, the counter terminal 21 of the sales office 2 processes various transactions in direct response to customers who visit the counter. Further, the automatic transaction device 22 is operated by the customer himself/herself according to a predetermined procedure to perform various transactions. Further, in the automatic transaction shop 3 as well, the automatic transaction device 31 is operated by the customer himself/herself according to a predetermined procedure to perform various transactions.

(Problems to be Solved by the Invention) Various failures may occur during transaction processing by the automatic transaction device 22.31. This disorder is mainly
There are two types of errors: equipment errors that occur in the automatic transaction device 22.31 and communication errors that occur during information communication between the automatic transaction device 22.31 and the host computer 11. A device error occurs, for example, when a magnetic card, bankbook, banknote, etc. gets stuck in the device, making it impossible to store it in the device or return it to the customer, or when the device itself breaks down. Communication errors also occur when, for example, information that should originally have been sent from the host computer, such as a response signal indicating that information from the automatic transaction device 22 or 31 has been received, is not obtained even after a certain period of time has passed. Place an order if necessary. In such a case, automatic transaction device 2
2.31 will cease its operation immediately. Thereafter, the clerk performs the task of understanding the transaction status of the host computer 11 at the time the failure occurred. In other words, the staff member confirms whether or not the host computer 11 treats the transaction in which the failure has occurred as having already completed the procedures necessary for the transaction and completed the transaction. This is due to a failure occurring during the deposit transaction.
If the transaction is unsuccessful, the clerk will return the cash, passbook, etc. to the customer. In addition, if a failure occurs during a withdrawal transaction and the transaction has been completed, the staff member will
This is because cash or magnetic cards must be handed over to the customer.

In this way, the subsequent response of the clerk changes depending on whether the host computer 11 has established or not concluded the transaction.

By the way, the host computer 11 inquires whether the transaction has been completed or not, using the counter terminal 21 at the sales branch 2. That is, counter terminal 2
1, input the device number that specifies the automatic transaction device 22, and operate the teller terminal 21 (host computer 1
Among the transactions of the automatic transaction device 22 that have been completed by the transaction manager 1, the transaction is instructed to inquire about the latest transaction.
From the counter terminal 21 to the host computer 11,
A command indicating an instruction to inquire about establishment is transmitted together with the device number, the bank number and branch number that are automatically output in advance, and the terminal number that specifies the teller terminal 21. When the host computer 11 receives this establishment inquiry command, it transmits information on the latest transaction contents of the automatic transaction device 22 specified by the device number to the counter terminal 21. The bank employee determines whether the transaction in which the failure occurred in the automatic transaction device 22 has been completed or not, based on the transaction content information (transaction information) transmitted from the host computer 11. That is, if the transaction content displayed on the counter terminal 21 is a transaction that was being processed in the automatic transaction device 22 at the time of the failure, the host computer 11 determines that the transaction at the time of the failure has been completed. Further, if the transaction content displayed on the counter terminal 21 is different from the transaction that was being processed in the automatic transaction device 22 at the time of the failure (a transaction that was processed before the transaction in which the failure occurred), the host computer 21 In this case, it is determined that the transaction was not concluded at the time of the failure.

In this way, since the processing of the establishment inquiry to the host computer 11 is performed using the counter terminal 21, the counter terminal 2
1, that is, the transaction related to customers visiting the counter is interrupted, causing a problem in that the processing is delayed. Furthermore, if an input error occurs when inputting the device number for specifying the automatic transaction device 22 from the counter terminal 21, a problem arises in that an inquiry regarding a different automatic transaction device is made.

In addition, if a failure occurs at the automated trading branch 3, the staff member may go to the automated trading branch 3 and then use communication means such as the telephone to request an introduction to an adjacent branch, or contact the information center 1 directly. They were conducting tasks such as asking the staff at the office to inquire about the establishment. In this way, for an employee to go to the automated transaction store 3 and verbally request a transaction inquiry, it would take a lot of time and effort to contact the customer over the phone, making it impossible to respond quickly to the customer.

The present invention has been made by focusing on the above points, and provides an automatic transaction device that eliminates the need to interrupt the operation of a teller terminal and make a verbal request for confirmation of establishment, and also eliminates input errors in information necessary for inquiries. The purpose is to provide

(Means for Solving the Problems) The automatic transaction device of the present invention provides for, when a transaction failure occurs,
failure recognition means for recognizing the occurrence of the failure; execution inquiry means for inquiring the host computer about the transaction that was concluded immediately before the occurrence of the failure when the failure is recognized; and an inquiry result control means for controlling display of whether or not the inquiry result is displayed.

(Operation) The above device stops operations related to normal transactions when the fault recognition means recognizes the occurrence of a fault. Thereafter, the completion inquiry means makes an inquiry to the host computer regarding the transaction that was completed immediately before the failure occurred. The query result control means are
The inquiry result by the completion inquiry means is compared with the details of the transaction in which the failure has occurred, and if they match, the transaction is concluded, and if they do not match, a display indicating that the transaction has not been completed is displayed.

(Embodiment) FIG. 1 is a block diagram showing an embodiment of an automatic transaction device of the present invention.

The figure shows an information center 1 and an automatic transaction device 5 connected to the information center 1 via a communication line 4.

As explained earlier in FIG. 2, the information center 1
A host computer 11 and a customer file 12 are provided.

The automatic transaction device 5 includes a main controller 51, a card reader/writer 52, a receipt printer 53, a bankbook entry section 54, a banknote withdrawal section 55, a display section 56, an input section 57, and a disk device 58. , a power supply section 59, and an interface section 60.

The main controller 51 is composed of a processor and the like, and is provided with a self-display means 61, a failure recognition means 62, an establishment inquiry means 63, and an inquiry result control means 64.

The card reader/writer 52 includes a magnetic head and the like for reading and writing from a magnetic stripe provided on a magnetic card. The receipt printer 53 is a printer equipped with a print head for printing transaction slips issued to customers and transaction slips (general paper) stored by financial institutions as records of transactions. The bankbook recording section 54 is composed of a printer equipped with a print head for printing on the bankbook. The banknote dispensing unit 55 includes a banknote stocker that stores banknotes, a conveyance mechanism such as a roller that conveys banknotes to a predetermined banknote outlet, and the like. The display unit 56 is composed of a display or the like that displays various information such as operation guidance for the device to the customer and the customer. The input unit 57 is composed of a numeric keypad and the like used by customers and staff to input information. The disk device 58 is composed of a hard disk or the like that stores programs, data, etc. necessary for various transaction processing and maintenance processing. The power supply section 59 is composed of a constant voltage power supply device or the like that supplies power to each section constituting the device. The interface unit 60 is connected to the automatic transaction device 5
It consists of a modem, etc., which matches the above signal with the audible signal on the communication line 4.

Now, the self-display means 61 of the main controller 51 is
It consists of a register and the like that stores self-indication information including a store number that specifies the business store where this automatic transaction device 5 is installed, a device number that specifies this automatic transaction device 5, and the like. The failure recognition means 62 recognizes that a failure has occurred in each part constituting the automatic transaction device 5, and further comprises a register or the like for storing transaction details (transaction type, account number, etc.) at the time of failure. It is something. The establishment inquiry means 63 controls the transmission of the establishment inquiry instruction to the host computer 11 together with the contents of the self-display means 61 . The inquiry result control means 64 controls starting the receipt printer 53 to print the inquiry result by the establishment inquiry means 63 and the transaction details stored in the failure recognition means 62, or controls displaying them on the display unit 56. be.

The operation in the case where a failure occurs in the automatic transaction device 5 having the above configuration will be explained with reference to FIGS. 3 and 4.

FIG. 3 is a top view of the operating section according to the present invention.

The operation unit 70 shown in the figure is used when operating the automatic transaction device 5.

In the figure, the operation unit 70 includes a display screen 56a of the display unit 56, which is composed of a display, etc., and keys of the input unit 57 (numeric keypad 57a, confirmation key 57b, cancel key 5
7c, transaction instruction keys 57d, 57e). Further, a key insertion slot 71 into which an operator key for changing the operation of the automatic transaction device 5 is inserted is provided.

The key insertion port 71 can be set to two settings: "operation" and "maintenance". Normally, the key insertion port 71 is set to the "operation" side.

Now, FIG. 4 is an operational flowchart according to the present invention.

The flowchart shown in the figure shows the operation when a failure occurs during a transaction using the automatic transaction device 5.

First, when a failure occurs during a transaction operation, the automatic transaction device 5 stops its operation under the control of the failure recognition means 62. At this time, the failure recognition means 62 stores the details of the transaction that was being conducted in the automatic transaction device 5 when the failure occurred.
Recognizing this suspension of operation, the staff member immediately sets the operator key into the key insertion slot 71 and performs the "maintenance" setting (step S3). The obstacle recognition means 62 is
A maintenance program is read from the disk device 58 and started. As a result, a list for selecting a plurality of utilities (functions for performing maintenance work) is displayed on the display screen 56a. The staff member inputs the utility number for verification from this list (step S2).Furthermore, the staff member reads the operator card indicating that he or she is authorized to perform maintenance work on the automatic transaction device 5 into the card reader/writer 52. let The fault recognition means 62 determines whether or not the operator card is genuine by comparing it with verification information stored in advance in the disk device 58 (step S4). If the result of this determination is NO, step S3 Return to Further, if the result of step S4 is YES, the failure recognition means 62 activates the establishment inquiry means 63. The establishment inquiry means 63 reads the contents of the self-display means 61, and transmits the establishment inquiry command together with the contents to the upper station (host computer) 11 via the interface section 60 and the communication line 4 (step S5). When the notification of the completion inquiry instruction is received, transaction information regarding the latest transaction completed by the automatic transaction device 5 is read from the customer file 12 and transmitted to the automatic transaction device 5. As a result, the establishment inquiry means 63 of the automatic transaction device 5,
Transaction information is received from the host computer 11 (step S5).

When the success inquiry means 63 receives the transaction information, it activates the inquiry result control means 64 and notifies it of this transaction information. The inquiry result control means 64 reads the transaction details stored in the failure recognition means 62, compares the transaction details with the transaction information notified from the completion inquiry means 63, and if they match, the transaction is concluded. If there is a discrepancy, a message indicating that the transaction has not been completed is printed on the statement slip using the receipt printer 53 along with the transaction details and transaction information.S7
) Terminate processing. The clerk looks at the contents of the issued statement, returns the bankbook and cash to the customer, and hands over the magnetic card and cash.

As explained above, the automatic transaction device 5 according to the present invention allows the host computer 1
1 can be checked.

The automatic transaction device of the present invention is not limited to the above embodiments.

Step S3 in FIG. S4 is not necessarily a necessary process, and becomes unnecessary if, for example, the operator key can only be used by a specific staff member. Further, in step S7, a case has been described in which the inquiry result by the inquiry result control means 64 is printed on the statement slip, but the display unit 56 may be driven to display it on the display screen 56a, for example.

(Effects of the Invention) The automatic transaction device of the present invention having the above configuration can perform the normally performed confirmation inquiry without using other devices when a failure occurs during a transaction. It does not affect other devices. Further, since there is no need to input information such as a device number for specifying an automatic transaction device when executing a success inquiry, there is no possibility of receiving information regarding other automatic transaction devices from the host computer by mistake. Furthermore, in the case of automated transaction devices installed at automated trading stores, there is no need to conduct verbal inquiries over the phone, so the ministry can take prompt and accurate responses without the hassle of telephone contact. .

[Brief explanation of drawings]

FIG. 1 is a block diagram showing an embodiment of the automatic transaction device of the present invention, FIG. 2 is a configuration diagram of a conventional numerical financial system, and FIG.
The figure is a top view of the operating section according to the present invention, and FIG. 4 is an operation flowchart according to the present invention. DESCRIPTION OF SYMBOLS 11... Host computer, 12... Customer file, 51... Main controller, 61... Self-display means, 62... Fault recognition means, 6
3... Existence inquiry means, 64... Inquiry result control means.

Claims (1)

[Scope of Claims] Failure recognition means for recognizing the occurrence of a failure when a failure occurs in a transaction; and completion inquiry means for inquiring a host computer of a transaction that was concluded immediately before the failure occurs when the failure is recognized. An automatic transaction device comprising: and an inquiry result control means for controlling a display of whether or not the transaction has been completed based on the inquiry.