JPH06337979A - Cash dispenser - Google Patents

Abstract

(57) [Summary] [Purpose] In an automated teller machine with a so-called advance counting function, which starts counting cash in advance of payment permission notification from the center, a payment disapproval notification arrives from the center after counting cash, and The aim is to reduce the occurrence of cash jams by reducing the occurrence of situations where cash must be re-stored. [Structure] An automatic cash dispenser is provided with an account balance storage means,
Each time the center notifies the balance, the balance is memorized, and at the time of repayment, the repayment request amount and the memorized balance are compared, and only when the repayment request amount is less than or equal to the balance, the preceding count is performed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a refund service in an automatic teller machine, and more particularly to a cash refund process after a balance inquiry. With the increase in the number of users of automatic teller machines, not only is it required to improve the processing speed, but it is also required to extend the operating hours and operate in the absence of management and maintenance personnel such as nights and holidays. Therefore, it is necessary to reduce the failure occurrence rate of the automatic teller machine.

[0002]

2. Description of the Related Art Generally, when a cash is to be refunded using an automatic teller machine which is online connected to a host computer which manages a customer's account, (a) a balance is confirmed (b) a refund amount is input. (C) Inquiry to the center (d) Counting cash (e) Discharging cash, etc. are required. Although it is required to shorten the processing time in each processing, especially in (c) and (d), since the user just waits for the processing to be completed, the processing time tends to be longer than other processing. is there. Therefore, it is particularly required to shorten the processing time of these.

Nowadays, with the progress of online operation, it is possible to use a plurality of cards with a plurality of automatic teller machines or to combine a card and a passbook to make a refund within a very short time. , Cash cannot be refunded by omitting the inquiry to the center. Therefore, in order to shorten the waiting time of the user of the automated teller machine without omitting the inquiry processing to the center, when the refund amount is entered, the center is notified of the withdrawal request and at the same time the cash amount is counted. The so-called cash advance counting process that starts is conventionally performed.

However, in the conventional cash advance counting process,
Since the counting process was started unconditionally when the withdrawal amount was entered, the refund disapproval notice will be sent from the center during the counting process or after the counting process is completed, and if the withdrawal amount is larger than the balance. The cash taken out of the cash storage unit by the counting process originally stored the cash, or needed to be stored in a cash storage unit different from that.

[0005]

Therefore, if the withdrawal is not permitted, a mechanism for storing the cash taken out from the cash storage unit in an appropriate place is required, and when the mechanism is operating. There has been a problem that cash is jammed, which is likely to cause a so-called cash jam.

It is an object of the present invention to provide an automatic teller machine which has a short processing time for a withdrawal transaction and at the same time is less likely to cause a cash jam. Many users of automatic teller machines first make a balance inquiry to check the balance, and then perform a refund procedure. Further, when the amount of refund becomes large, the amount exceeds the amount that can be refunded at one time, and in such a case, the refund is divided into two. Each time you make a transaction, the center notifies the cash machine of the balance, so in many cases, the user's account balance is notified to the cash machine before the user performs the refund procedure. ing. The present invention aims to achieve the above-mentioned object, focusing on the fact that such a case is common.

[0007]

FIG. 1 is a block diagram showing the principle of the present invention. In the figure, 2 is a refund amount input means for inputting a refund amount desired by a user, for example, a keyboard, 3 is a balance storage means for storing an account balance, for example a memory, and 4 is an amount comparison means. Then, the amount input from the withdrawal amount input means 3 is compared with the amount stored in the balance storage means 3, and if the withdrawal amount is less than or equal to the balance, the cash counting means is activated and whether the withdrawal is possible or not is centered. 6
, 5 is a cash counting unit, that is, a device for counting cash, and 6 is a center for managing the balance of an account,
For example, a host computer.

[0008]

2 is a principle operation diagram of the present invention. In the present invention, the amount comparison means 4 compares the withdrawal amount input from the withdrawal amount input means 2 with the balance stored in the balance storage means 3, and activates the cash counting means only when the withdrawal amount is less than or equal to the balance. Then, the cash advance counting process is performed, and when the refund amount exceeds the balance, the cash advance counting process is not performed.

Therefore, when the refund amount is less than or equal to the balance stored in the balance storage means, the inquiry to the center 6 and the cash counting process are performed in parallel, and when the refund amount exceeds the balance, it is preceded. Since the counting process is not performed, the preceding counting process is performed, but the refusal of refusal of refund is notified from the center 6, and it becomes almost unnecessary to store the counted cash again.

[0010]

FIG. 3 is a diagram showing the configuration of an embodiment of the present invention. The automatic teller machine 301 includes a display 302, a keyboard 303, a card reader 304, and a cash handling machine 30.
5, a memory 310, a communication control device 312, a communication control device 312, and a CPU 315, and is connected to a center 317 by a line 316.

In this embodiment, the refund amount input means 2 described in the claims is the keyboard 303, the balance storage means 3 is the memory 310, the amount comparison means 4 is the CPU 315, and the cash counting means 5 is the cash. Each is realized by the handling device 305. In the present embodiment, an automatic teller machine which records a bank account number on a magnetic stripe on a plastic plate, which performs business using a so-called cash card is shown, but the present invention is limited to such an automatic teller machine. Not a thing.

The center in the present embodiment manages the account number, the account balance, and the personal identification number, but this also does not limit the configuration of the present invention. Hereinafter, FIG. 3 will be described in more detail. The memory 310 has an account number storage unit 310A, a personal identification number storage unit 310B, an account balance storage unit 310C, and a control program 311 is further stored.

Based on the control program 311 stored in the memory 310, the CPU 315 not only compares the amounts but also displays 302 in the automatic teller machine 301.
Keyboard 303, card reader 304, cash handling machine 3
05, the communication control device 312 is controlled. The display 302 displays an operating guide of the automatic teller machine 301, an account balance, and the like. A user of the automatic teller machine inputs a personal identification number, a refund amount, and selects a transaction by using the keyboard 303. The card reader 304 reads the account number from the user's cash card.

The cash handling device 305 is a cash dispenser 306,
Cash storage unit 307, cash counter 308, cash re-storing machine 3
09. The cash counter 308 counts the cash stored in the cash storage unit 307, and the cash discharging machine 306 discharges it to the user of the automatic teller machine 301. In addition, the cash reloading machine 309 reloads the cash counted by the cash counting machine 308 into the cash storing unit 307 as necessary.

The communication control device 312 is composed of a transmitting unit 313 and a receiving unit 314, and controls communication with the center 317. Next, the operation of the automatic teller machine of this embodiment will be described with reference to FIGS. 4, 5, and 6. In each processing unit described below, the CPU is based on the control program 311 in the memory 310.
315 is a display 302, a keyboard 303, a card reader 304, a cash handling machine 305, and a communication control device 31.
Control 2

First, FIG. 4 is a diagram showing a flow of the control program of FIG. It should be noted that the present embodiment is an automatic teller machine that handles balance inquiry work and refund work. The account number input processing unit 401 reads the account number recorded on the magnetic stripe of the cash card inserted by the user. Next, the transaction selection processing unit 402 displays the transaction selection screen on the display and prompts the user with the keyboard 303.
Use to select a task. At this time, a transaction selection screen as shown in FIG. 7, for example, is displayed on the display 302.

Based on the user's selection in the transaction selection processing unit 402, the balance inquiry processing unit 403 or the refund processing unit 4
04 is executed, and when any one of them ends, the processing end confirmation processing unit 405 displays the end confirmation screen as shown in FIG. 8 on the display 302, and if the user selects continuation, the transaction selection processing unit again. Do 405,
If the user selects the end, the card ejection processing unit 406 ejects the card and terminates.

FIG. 5 is a diagram showing a flow of a control program in the balance inquiry processing unit 403. Balance inquiry processing unit 4
Before executing 03, as described with reference to FIG. 4, in the account number input processing unit 401, the card reader 3
04 reads the account number from the cash card. In the personal identification number input processing unit 501, the user inputs the personal identification number from the keyboard 303, and in the balance inquiry request processing unit 502, the communication control device 312 controls the account number and the personal identification number to manage the balance of the account 31.
7. Send the balance inquiry communication to 7. If the combination of the account number and the personal identification number is correct, the balance is notified from the center 317 as a result of the balance inquiry, but if the combination of the account number and the personal identification number is incorrect, an error is notified. When the balance is normally notified, the account number / personal identification number / balance storage processing unit 505 stores the account number, the personal identification number, and the balance in the memory 310, and the balance display processing unit 506 displays the balance on the display 302. When an error is notified, the account number / personal identification number / balance elimination processing unit 50
7, the contents of the memory 310 are erased, and the error display processing section 508 displays an error on the display 302.

FIG. 6 is a diagram showing a flow of a control program in the refund processing section 404. Similar to the balance inquiry processing unit 403 described above, the account number is read from the cash card in the account number input processing unit 401 before the withdrawal processing unit 404 is started. The user inputs the personal identification number from the keyboard 303 in the personal identification number input processing unit 601, and further inputs the refund amount from the keyboard 303 in the refund amount input processing unit 602. The personal identification number input processing unit 601 and the refund amount input processing unit 602 are
A screen for inputting a personal identification number and a screen for inputting a refund amount are respectively displayed on the display 302, but these screens are not described in this specification.

The transmission unit 313 of the communication control device 312 communicates the refund to the center 317 which manages the balance of the account by setting the account number, the personal identification number, and the refund amount. In the withdrawal request transmission processing unit 603, the communication control device 312 starts communication with the center 317, and in the preceding counting availability judgment processing unit 604, the account number read by the card reader 304, the account number stored in the memory 310, and the keyboard. The personal identification number entered by the user from 303, the personal identification number stored in the memory 310, the refund amount entered by the user from the keyboard 303 and the account balance stored in the memory 310 are compared to determine whether or not the preceding count is possible. to decide. The condition for judging that the preceding count is possible is that the account number read by the card reader 304 and the account number stored in the memory 310 match, and the personal identification number entered by the user from the keyboard 303 and the memory 310. This is when the personal identification numbers stored in 1 are matched and the refund amount input by the user from the keyboard 303 is less than or equal to the account balance stored in the memory.

When it is determined that the advance counting is possible, the cash counter 308 counts the amount of money input as the refund amount from the cash stored in the cash storage unit 307. In the withdrawal permission reception processing unit 606, the reception unit 314 of the communication control device 312 receives the notification from the center 317,
If it is refundable and cash is not counted in advance, the cash counting unit 3011 in the cash counting processing unit 611.
8 is counted from the cash stored in the cash storage unit 307, and the amount of money input as the refund amount is counted. When the cash is counted, the account number / personal identification number / balance storage processing unit 609
In the memory 310, the account number, the personal identification number, and the new account balance sent together with the refund permission notice are stored in the memory 310. At this time, naturally, the account number, the personal identification number, and the account balance that have been stored until then are deleted. The cash counted by the cash counter 308 in the cash discharge processing unit 610 is transferred to the user by the cash discharger 306.

When the notification from the center 317 is the refund non-permission notification, the cash re-storage machine 309 causes the cash re-storage machine 309 to transfer the counted cash in the cash re-storage processing unit 613 if the cash advance counting is being performed. The counted cash is stored in 307, and the account number / personal identification number balance erasing processing unit 614 erases the account number, the personal identification number, and the account balance stored in the memory 310. When cash advance counting is not performed, cash re-storing is not necessary and the account number / PIN number balance erasing processing unit 614 only erases the contents of the memory 310.

Next, the operation of the automatic teller machine shown in this embodiment will be described. As an example, (a) the user's account number is "A012345", (b) the account number of the (b) account is "9876", and the balance of the (c) (b) account is 15430.
0 yen, (d) Consider the case where the user first confirms the account balance and then refunds 100,000 yen twice.

When the account number input processing unit 401 reads the account number “A012345” from the user's cash card by the card reader 304, the transaction selection processing unit 402 displays the transaction selection screen shown in FIG. 7 on the display 302. To do. Here, the user selects "1. Balance confirmation". Next, since the personal identification number input processing unit 501 inquires of the personal identification number, the user inputs the personal identification number "9876" from the keyboard 303.
In the balance inquiry request processing unit 502, the communication control device 312
However, the account number "A012345" and the personal identification number "987"
6 ”is set and the balance inquiry communication is performed to the center 317 which manages the balance of the account. The center 317 searches for the account number “A012345”, and the personal identification number “98
76 "is correct and the PIN confirmation result is" O "
Send "K" and the account balance "154300 yen" to the automatic teller machine. These are received by the communication control device 312 in the inquiry result reception processing unit 503.

Since the validity of the correspondence between the account number and the personal identification number has been confirmed, the account number / personal identification number / balance storage processing unit 50
5 account number "A012345" and PIN "9"
876 ”and account balance“ 154300 yen ”in memory 310
The balance display processing unit 506 stores the account balance “15”.
4300 ”is displayed on the display 302. The transaction confirmation end processing unit 405 displays an end confirmation screen on the display 302. The user here "2. Continue"
Select.

The transaction selection processing unit 402 again becomes the transaction selection processing unit 402, and the transaction selection screen is displayed on the display 302. This time, the user selects “2. Refund”. PIN input processing unit 60
In 1, the user inputs the password “9876” again from the keyboard 303. Subsequently, the user inputs the refund amount, here “100,000 yen”, from the keyboard 303 in the refund amount input processing unit 602. Next, in the payment request transmission processing unit 603, the account number “A01234” is sent to the center 317 by the communication control device 312.
5 ”, PIN“ 9876 ”and refund amount“ 10000 ”
A payment request is made with "0 yen" as a set, and the preceding counting possibility determination unit 604 determines whether or not the preceding counting is possible. In this case, the account number stored in the memory 310 and the account number read by the card reader 304 both match “A012345”, and the memory 31
Both the personal identification number stored in 0 and the personal identification number entered from the keyboard 303 match with each other at "9876", and the refund amount "100000 yen" entered from the keyboard 303.
Account balance “15430 stored in the memory 310.
Since it is "0 yen" or less, the process proceeds to the preceding counting process, and the cash handling device 305 is operated in the cash counting processing unit 605 to perform "1".
Start counting "00000 yen" in cash.

Thereafter, the reimbursement permission reception processing unit 606 notifies the center 317 of the reimbursement (refund “OK”, new balance “5”).
4300 yen "is received. Since it is a notice of refundable and cash has already been counted, the account number in the memory 310 is stored in the account number / personal identification number / balance storage processing unit 609 as a new balance “54”.
It is changed to "300 yen", cash "100000 yen" is discharged in the cash discharge processing unit 610, and the first refund processing is ended.

The transaction confirmation end processing unit 405 again displays the end confirmation screen on the display 302. The user again selects “2. Continue”, and the transaction selection processing unit 402 selects “2. Refund”. In the personal identification number input processing unit 601, the user selects the keyboard 3
Enter the password "9876" again from 03. Subsequently, the user inputs the refund amount, here “100,000 yen”, from the keyboard 303 in the refund amount input processing unit 602. Next, in the payment request transmission processing unit 603, the communication control device 312 requests the payment to the center 317 with the account number "A012345", the personal identification number "9876", and the refund amount "100000 yen" as a set, and the preceding counting is possible. The determination unit 604 determines whether the preceding count is possible. In this case, the account number stored in the memory 310 and the account number read by the card reader 304 both match with “A012345”,
Moreover, the password stored in the memory 310 and the password input from the keyboard 303 are both "9876", but the refund amount "1" input from the keyboard 303.
Since "000000 yen" exceeds the account balance "54300 yen" stored in the memory 310, the preceding counting process is not performed.

Thereafter, in the withdrawal permission reception processing unit 606, a notification from the center 317 (withdrawal "NG", new balance "5"
4300 yen "is received. This is also a non-refundable notification, and the count determination unit 612 determines that the number has not been counted, and the account number / personal identification number / balance elimination processing unit 614 erases the account number, the personal identification number, and the account balance in the memory 310 for the second time. Ends the refund process.

The transaction confirmation end processing unit 405 displays an end confirmation screen on the display 302. The user selects “1. end”, the card release processing unit 406 returns the cash card to the user, and ends all the processes. Although the automatic teller machine in the present embodiment provides only the balance inquiry work and the refund work, the present invention is not limited to this, and when the work is completed, such as the deposit work and the transfer work. It is also applied to an automated teller machine that provides a business in which the center notifies the automated teller machine of the account balance.

[0031]

[Effects of the Invention] When the automatic teller machine can determine that the transaction will not be completed due to insufficient balance, the advance counting is not performed. Therefore, the occurrence of cash jam at the time of advance counting and cash jam at the time of storing cash after receipt of refusal Reduce. Further, since the present invention can be carried out without changing the control procedure on the center side, the above effect can be produced without enormous man-hours such as changing the control procedure on the center side.

[Brief description of drawings]

FIG. 1 is a block diagram of the principle of the present invention.

FIG. 2 is a principle operation diagram of the present invention.

FIG. 3 is a configuration diagram of an embodiment.

[Fig. 4] Flow of control program for ATM

FIG. 5: Flow of control program in balance inquiry processing unit

FIG. 6 is a flow of a control program in the refund processing section.

[Figure 7] Diagram of transaction selection screen

[Figure 8] Diagram of the end confirmation screen

[Explanation of symbols]

 1: Automatic cash dispenser 2: Refund amount input means 3: Balance storage means 4: Amount comparison means 5: Cash counting means 6: Center

Claims (1)

[Claims] 1. An automatic teller machine connected to a center (6) for managing a customer's account, wherein the latest account balance notified from the center (6) each time various transactions are completed is a balance storage means ( 3), the refund amount input by the customer through the refund amount input means (2) and the account balance stored in the balance storage means are compared by the amount comparison means (4), and the refund amount is stored. In case of less than the account balance, the cash counting means (5) is activated in parallel with the inquiry of the refund permission to the center (6), and when the refund amount exceeds the stored account balance. ,
First, the automatic cash dispenser (1) is characterized in that a refund permission inquiry is made to the center (6), and the cash counting means is activated after the permission is notified from the center (6).