JPH0687249B2 - Automatic trading system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Outline] An automatic transaction system of a financial institution or the like, which is provided with an automatic acceptance device and an automatic return device at a counter and an automatic processing device at the rear,
Transaction processing is performed by the automatic reception device, the transaction recording medium unique to the customer, such as an IC card, is recorded and returned,
After performing transaction processing with the automatic processing device, call the customer corresponding to the reception processing with the automatic return device, read the reception record when the IC card is inserted, and open a new account by returning the transaction result item, You can do complex transactions such as check transactions.

[Industrial use range]

The present invention relates to an automatic transaction system in a financial institution or the like, and more particularly to an automatic transaction system capable of performing a complex transaction such as opening a new account or a check transaction by using a customer-specific transaction recording medium such as an IC card.

In recent years, automatic deposit and withdrawal machines (Automa
Automatic transaction equipment such as tic Teller Machine (hereinafter referred to as ATM) is widely used.

Although these ATMs can carry out simple transactions such as deposits and withdrawals, they cannot carry out complex transactions such as issuing a passbook by opening a new account or large-volume currency transactions, so they are processed by tellers at the counter. Therefore, a method of automatically doing this is desired.

[Conventional technology]

At financial institutions, deposit, withdrawal, passbook entry, balance inquiry,
Transactions such as transfer processing are mainly performed automatically by the user's operations such as ATM.

Also, complicated transactions such as new account opening, cancellation, check transactions, tax reserve deposits, and processing of large amounts of money are processed by tellers at the counter, and in some cases the number of deposits at the counter is counted by the automatic deposit machine and the carrier backs up. An automatic deposit / withdrawal system has been attempted, which is carried out by a cash storage machine, and when a withdrawal request is made, an automatic withdrawal machine counts and withdraws and the carrier conveys to a window.

[Problems to be solved by the invention]

In the above-mentioned conventional method, the teller handles complicated transactions and large amounts of money that cannot be processed by automatic transaction devices such as ATMs at the counter.Thus, large amounts of money can be processed relatively quickly with the automatic deposit / withdrawal system. There is a problem that not only a lot of tellers are required for complex transactions such as opening a new account, cancellation, and tax reserve, but also waiting time for the customer is long.

[Means for solving problems]

FIG. 1 is a block diagram of the principle of the present invention. In the figure,
1 is the transaction record designating operation of the customer, the read data from the inserted transaction record medium peculiar to the customer, and the acceptance record of the transaction after the transaction acceptance processing based on the insertion of the article necessary for the transaction. An automatic acceptance device 3 having an acceptance recording means 2 for carrying out and returning a transaction is provided with an automatic acceptance device 3 having a function of performing a plurality of types of transaction processing, and performing an transaction processing based on the acceptance processing, 4 is a transaction processing end Sometimes, a calling means for calling a customer corresponding to the read data from the transaction recording medium, 5 is an automatic return device for sending out and returning an article to be returned by inserting the corresponding transaction recording medium after calling by the calling means 4. Is a transfer means for transferring the articles required for the designated transaction from the automatic acceptance apparatus 1 to the automatic processing apparatus 3 and the articles to be returned after the transaction processing from the automatic processing apparatus 3 to the automatic return apparatus. It

Therefore, the acceptance processing is performed by the automatic acceptance device 1, the acceptance recording means 2 performs acceptance recording on the transaction recording medium and returns the goods, and the article required for the transaction is transferred to the automatic processing device 3 by the transfer means 9, and the automatic processing device 3 After the transaction processing by, the goods to be returned are transferred to the automatic return device 5 by the transfer means 9,
When the customer is called by the calling means 4 and the customer inserts the transaction recording medium into the automatic return device 5, the article to be returned is returned.

[Action]

When the customer performs a transaction type designating operation on the automatic reception device 1 and inserts a transaction recording medium unique to the customer, customer data such as an account number, a name, etc. is read from the transaction recording medium, and by inserting an article necessary for the transaction. , Transaction acceptance processing is performed, the acceptance recording means 2 performs acceptance recording on the transaction recording medium, and returns.

The goods required for the transaction are transferred to the automatic processing device 3 by the transfer means 9, and the transaction processing is performed based on the acceptance processing.

When the transaction processing is completed and the article to be returned is transferred to the automatic return device 5 by the transfer means 9, the corresponding customer's name or the like is called by the calling means 4.

Then, when the customer inserts the transaction recording medium into the automatic return device 5, the article whose transaction result is to be returned is sent out and returned.

In this way, complicated transactions and large amounts of money can be processed automatically using customer-specific transaction recording media such as IC cards, and transaction processing can be performed quickly and customer waiting time can be shortened. The service can be improved.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 2 and 3. FIG. 2 is a block diagram showing an embodiment according to the present invention, and FIG. 3 is a flowchart of FIG. The same reference numerals denote the same objects throughout the drawings. In FIG. 2, the components corresponding to those in FIG.

In FIG. 2, the automatic reception machine 1a and the automatic return machine 5a are provided in the counter stations 6a and 6b, and the automatic processors 3a and 3b and the person in charge 7 are the processing stations 6c to the rear of the counter stations 6a and 6b. It is provided at 6e. Window station
6a, 6b, and the processing stations 6c-6e respectively have a delivery mechanism 8a.
8e are provided and are connected by a transport rail 9a. Carriers run by a linear motor on the transport rail 9a
10 are arranged.

The automatic reception machine 1a includes an operation display unit 1b, an insertion unit 1c, and a reception recording unit 2a, and a customer's transaction type designating operation, an IC card, and an article required depending on the transaction type, that is, a passbook, a slip, cash, and Accepting transactions by inserting checks, etc.,
The reception recording unit 2a has a function of recording and returning the reception to the IC card.

The automatic processor 3a has a function of processing receipts and payments of paper sheets such as cash.

The automatic processor 3b has a function of printing a bank account number, a customer's name, a necessary amount of money, and the like to issue a bankbook when the bankbook is carried over due to the expiration of use of the bankbook and when a new account is opened.

The call transmitting device 4a is connected to the speaker 4b and has a function of causing the speaker 4b to utter a customer name and the like in response to a command from a system control device 11 described later.

The automatic return machine 5a includes a card receiving section 5b and a returning section 5c, and when the customer inserts the IC card into the card receiving section 5b after the corresponding customer name is called when the transaction processing is completed, the reception record is recorded. Goods to be read and returned 5c
It also has the function of returning the card and deleting the IC card reception record in parallel with the return process.

The person in charge 7 is a seat in which the person in charge is placed to perform a process that requires the intervention of a person such as a seal stamp verification.

The delivery mechanisms 8a to 8e include an automatic reception machine 1a, automatic processing machines 3a and 3b, a person's seat 7, and a passbook between the automatic return machine 5a and the carrier 10.
A mechanism for loading / unloading slips, cash, and checks.

The system control device 11 is a reception transaction memory that accesses the transactions accepted by the automatic acceptance machine 1a by associating them with customer names and the like.
11a, an operation display panel 12 for monitoring the operation status of the system, and for managing physical balances such as balances of the automatic processors 3a, 3b, balances of passbooks, and the automatic reception machine 1a, automatic processor 3a. , 3b, automatic return machine 5a, delivery mechanisms 8a to 8e, and a function of controlling the drive of the carrier 10.

Since it has such a configuration and functions, the operation will be described with reference to the flowchart of FIG. 3. First, the customer operates the operation display unit 1b of the automatic reception machine 1a at the counter to specify and display a desired transaction type. According to the guidance, the IC card and the items necessary for the transaction, that is, the passbook,
When any of slips, cash, checks, etc., or a plurality of articles are inserted, transaction acceptance processing is performed.

When the acceptance process is performed, the system control device 11 is notified, the customer name and the like are stored in the acceptance transaction memory 11a in association with the transaction, and the acceptance record is performed on the IC card according to the instruction of the system control device 11. Will be returned.

The customer receives the IC card and waits.

According to the instruction of the system control device 11 according to the contents of the acceptance transaction, the acceptance article is mounted on the carrier 10 and transported to any of the processing stations 6c to 6e, and is automatically processed by the automatic processors 3a and 3b, or If manual processing is required, the processing is performed at the staff member's seat 7.

When the transaction processing is completed in this way, a command is issued from the system control device 11 and the carrier 10 conveys the returned articles, that is, cash, passbook, etc., to the automatic return machine 5a.

When the returned goods are collected in the automatic return machine 5a, the system control device 11 is notified, the reception number corresponding to the transaction is read from the reception transaction memory 11a, and the customer name etc. from the speaker 4b by the call transmission device 4a. Broadcast and call the customer who requested the transaction.

Therefore, the customer receives the IC card from the card receiving section of the automatic return machine 5a.
When it is inserted into 5b, the reception record is read and confirmed, and the shutter (not shown) of the return unit 5c opens to return the returned article, and
You can receive an IC card.

In this way, not only simple transactions that can be processed by ATMs, but also complex transactions that cannot be processed by ATMs can be processed. Therefore, the processing time can be shortened by the automatic processing of complicated transactions, and the safety can be improved by the return by inserting the reception number tag, and the service can be improved.

In the above example, the case where only one automatic reception machine 1a and one automatic return machine 5a are installed at the counter has been described, but by installing multiple automatic reception machines, it is possible to take measures against downtime and to improve system operation and service. It is possible to improve.

Further, in the above example, a carrier that moves the article inserted in the automatic reception machine 1a on the transport rail 9a by a linear motor.
Although the case where the article is transported by 10 and the returned article is similarly transported by the carrier 10 to the automatic return machine 5a after the processing has been described, the same effect can be obtained in the case of another transportation method, for example, in the case of transportation by a conveyor.

〔The invention's effect〕

As described above, according to the present invention, it is possible to perform complex transactions that cannot be processed by the current automatic transaction devices such as ATMs and automatic transactions such as large amounts of money.

Effective use of IC cards, etc. can be achieved and safety can be improved, and extra media such as reception number tags for complex transactions are unnecessary.

It is possible to automate the reception-return business department at the financial institution, and improve the service by and.

There is an effect.

[Brief description of drawings]

 FIG. 1 is a block diagram of the principle of the present invention, FIG. 2 is a block diagram showing an embodiment of the present invention, and FIG. 3 is a flowchart of FIG. In the figure, 1 is an automatic reception device, 1a is an automatic reception device, 1b is an operation display unit, 1c is an insertion unit, 2 is an acceptance recording unit, 3 is an automatic processing unit, 3a and 3b are automatic processing units, and 4 is a calling unit. , 4a is a calling device, 5 is an automatic return device, 5a is an automatic return device, 5b is a card receiving section, 5c is a return section, 7 is a person in charge, 8a to 8e are a delivery mechanism, 9 is a transfer means, 9a is A transport rail, 10 is a carrier, 11 is a system controller, 11a is a transaction memory, and 12 is an operation display panel.

Claims (1)

[Claims] 1. A transaction type designation operation by a customer, read data from an inserted transaction recording medium unique to the customer, and a transaction acceptance process based on insertion of an article necessary for the transaction, and then the transaction. At least one automatic acceptance device (1) having an acceptance recording means (2) for performing acceptance recording on a recording medium and returning it, and a function of performing a plurality of types of transaction processing, and a transaction based on the acceptance processing An automatic processing device (3) for executing processing, a calling means (4) for calling a customer corresponding to the read data from the recording medium when the transaction processing is completed, and after calling by the calling means (4), At least one automatic return device (5) that returns the article whose transaction result should be returned by inserting the transaction recording medium, and deletes and returns the acceptance record of the transaction recording medium, and is necessary for the designated transaction Na Automatic reception device for articles (1)
A transfer means (9) for transferring the article to be returned from the automatic processing device (3) to the automatic processing device (3) and transferring the article to be returned from the automatic processing device (3) to the automatic returning device (5). Automated trading system.