JPH0427596B2 - - Google Patents

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention provides a separate device exclusively for inputting transactions that require a long time, and typically performs cash transactions that are completed in a relatively short time and post-processing of the device. The present invention relates to an automatic transaction device that distributes customers and performs simultaneous processing by providing the following devices to efficiently operate the device.

[Conventional technology]

Traditionally, multiple automatic transaction devices (ATM,
A CD) is connected to a terminal controller (T/C) with a teller terminal device or directly to a host computer, and various transaction operations such as deposits, withdrawals, and transfers are performed by the customer's operations.

[Problems to be solved by the invention]

As mentioned above, when performing various transactions using an automatic transaction machine (ATM), the operating time differs depending on the type of transaction.

For example, depositing cash by card, passbook, etc.
While withdrawals are completed in a relatively short time, in the case of a transfer, a large amount of information is required to be entered, such as the destination financial institution, branch name, recipient deposit type, account number, name, client name, etc., making it difficult to input. It took a long time, for example, more than ten minutes, which caused a great deal of inconvenience to other customers.

The purpose of the present invention is to reduce the waiting time of such customers by providing a separate input-only device for transfer transactions, etc., and only post-processing after inputting is done at a regular ATM, thereby making it easier for customers with a short time. The purpose is to provide an automatic transaction device that does not cause any inconvenience.

[Means for solving problems]

In order to achieve the above purpose, a cash transaction device has an information input means for inputting information regarding transactions and a transaction mechanism for depositing and dispensing cash, and performs processing for depositing and dispensing cash based on information input by a customer. and an operation input device having an information input means for a customer to input information regarding a transaction that requires a relatively long time to input, and a means for notifying the customer of identification information regarding this transaction; A line control means for communicating with a management device that manages input/output information and has a file storing at least input information of the operation input device, and the identification information corresponding to the transaction is transmitted from the information input means of the cash transaction device. is input, the control means reads input information of the operation input device corresponding to the identification information from a file of the management device, and operates the transaction mechanism based on the read information. It is.

[Effect]

With the above configuration, customers making money transfer transactions are guided to the input-only operation input device that operates for long periods of time, and customers making short-term cash transactions are guided to the short-time operating input device. Transactions such as deposits and withdrawals are performed sequentially using . The input information of the long-time operation device is stored in the input information file of the management device, and after the input is completed, the post-processing is moved to the short-time operation device, and cash processing etc. is performed in a short time using the contents of the input information file. It will be done.

In this way, since the processing is distributed to both devices and the processing is performed simultaneously, efficient operation is possible.

〔Example〕

FIG. 1 is a schematic explanatory diagram of an embodiment of the present invention,
FIG. 2 shows an example of the specific circuit.

In FIG. 1, the automatic device group is divided into a single or multiple long-time operation device 12 and short-time operation device 11, of which the long-time operation device 12 inputs operations for transactions such as transfers that require a long time. is a device,
The configuration includes a keyboard, a display, and a printer if necessary. This input information is sent to management device 1, which will be described later.
3 is stored in the input information file ₁₄₂ .

The short-time operating device 11 handles transactions that are completed in a relatively short time, such as deposits and withdrawals, using cards, bankbooks, etc., and the long-term operating device 12, etc., processes input information files 14 ₂
It is a cash transaction device that performs post-processing of transfers using the information stored in the machine, and is similar to a regular ATM.
Similar cash (banknotes, coins) depositing and dispensing devices,
Including printers, etc.

The management device 13 interposed between these two operation devices 11 and 12 and the host 15 manages input/output information therebetween, and also manages the branch information file 14 ₁
It provides output information such as the name and code of the financial institution and branch concerned based on the initials input by the customer. It also has an input information file ₁₄₂ , which stores the input information of the long-term operating device 12 for the transfer, as described above, and upon completion of the input, the management device 13 gives an access key (calling number) to the customer making the transfer.

A customer making a transfer moves to the short-time operation device 11, reads input information from the input information file ₁₄₂ of the management device 13 using an access key, and performs post-processing related to the cash.

FIG. 2 shows a specific example of the circuit shown in FIG. 1, in which an operation input device 12 is provided as a long-time operation device.
That is, it is connected to the ATM and the management device via the line control section, and under the control of the main control section 12 ₄ , the card read, write receipt printing section 12 ₁ , display section 12 ₂ , and keyboard 12 are operated via the respective control sections. ₃
will be provided. A customer making a transfer performs a transfer operation as shown in the flowchart of FIG. The input information is stored in the input information file ₁₄₂ of the management device 13 through the line, and upon completion, an access key (calling number) is given to the customer.

As a short-time operation device, a cash transaction device 11, which is the same as a normal ATM, is provided.

That is, under the control of the main control section 11 ₅ and via the respective control sections, the passbook printing section 11 ₁ ,
A card read/write receipt printing section 11 ₂ , a display section 11 ₃ , and a keyboard 11 ₄ are provided, as well as a coin depositing/dispensing section 11 6 related to cash, a bill depositing/paying section 11 6 , and a cash-related coin deposit/payout section 11 ₆ .
A payout section ₁₁₇ is provided via each control section. Using these devices, customers insert their cards and passbooks to perform short-term transactions such as depositing and withdrawing money, and as mentioned above, customers who have completed the input and are making a transfer can bring the access key to the device 11. Then, using this access key, the contents of the input information file ₁₄₂ of the management device 13 are read out, and post-processing of the transfer is performed. Since this post-processing is completed in a short time as shown in the flowchart of FIG. 4, it does not cause any inconvenience to other customers.

In the management device 13, the main control unit ₁₃₁ controls the device 1.
1, 12 and the host 15, stores the input information for transfer in the input information file ₁₄₂ via the file control unit ₁₃₂ ,
1. Supply input information for post-processing of the transfer.

FIG. 3 is a flow chart showing the input operation of the transfer input dedicated device 12. In other words, the transfer input device allows the customer to use the keyboard and display to input and select the initials of the financial institution to which the transfer will be made, initials and selection of the branch name, selection of the recipient's deposit type, account number, name,
Enter the client's name, contact information, and transfer amount in order.
Check all input items and enter the confirmation key.

Then, after saving to the input information file 14 ₂ ,
Give the customer an ID number (access key) for the information. The customer confirms this and moves to the ATM.

FIG. 4 shows a flowchart of post-processing of transfer at the ATM 11.

The customer making the transfer is given an ID number upon completion of the input on the transfer input dedicated device 12, and moves to the ATM 11. Here, related transfer information is read out from the input information file ₁₄₂ of the management device 13 using the ID number and displayed on the display section ₁₁₃ . The customer confirms this, and if it is OK, presses the confirmation key and deposits the transfer money. Thereafter, communication with the host computer is carried out as in the case of a normal transaction, and if there is change, it is released, a transaction statement is issued, and the transaction is completed.

〔Effect of the invention〕

As explained above, according to the present invention, a separate input-only device is provided for transactions that require a long time such as transfers, and cash transactions that are completed in a relatively short time and post-processing after inputting the transfer are processed. The system is similar to that used in regular ATMs, but allows customers to be distributed and processes to be processed simultaneously. This not only allows for more efficient operation, but also allows transactions to be completed more quickly with ATMs because there is no need to input transfers for a long time, while with dedicated transfer input devices, you can operate the transfers at your leisure without being rushed, reducing mistakes. It is possible to perform input without inputting information.

Moreover, the long-term operation device should be an input-only device.
By eliminating the expensive cash deposit/dispensing unit that is inefficient in operation even when installed in a device that operates for a long period of time, the system becomes less expensive and the operating efficiency of the device is improved.

[Brief explanation of drawings]

FIG. 1 is a schematic explanatory diagram of an embodiment of the present invention, FIG. 2 is an example of its specific circuit, and FIGS. 3 and 4 are flowcharts showing the operation of the main parts of the embodiment. 12 is a short-time operating device, 12 is a long-term operating device, 13 is a management device, 14 is an input information file, and 15 is a host.

Claims (1)

[Scope of Claims] 1. A cash transaction device that has an information input means for inputting information regarding transactions and a transaction mechanism for depositing and dispensing cash, and performs processing for depositing and dispensing cash based on information input by a customer. and an operation input device having an information input means for a customer to input information regarding a transaction that requires a relatively long time to input, and a means for notifying the customer of identification information regarding this transaction; A line control means for communicating with a management device that manages input/output information and has a file storing at least input information of the operation input device, and the identification information corresponding to the transaction is transmitted from the information input means of the cash transaction device. is input, the automatic processing apparatus further comprises a control means for reading input information of the operation input device corresponding to the identification information from a file of the management device and operating the transaction mechanism based on the read information. Trading device.