JPH0737014A - Automatic transaction equipment - Google Patents

Abstract

(57) [Summary] [Purpose] For example, if the transaction is impossible, such as when the account is closed or the card has expired, unnecessary input operations such as personal identification number and amount by the customer are omitted. , Providing automatic transaction equipment that can facilitate transactions. [Structure] The data read from the inserted card is sent to the center before the customer inputs transaction data to check whether the account is valid, to judge the possibility of the transaction, An automatic transaction device provided with a control unit for immediately canceling the transaction and prohibiting unnecessary input operation when possible.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device such as an ATM or a CD used in banks, securities companies, agricultural cooperatives and the like.

[0002]

2. Description of the Related Art The above-mentioned automatic transaction device sends the data from the inserted card and the transaction data from the input key together from the communication processing unit to the center so that the transaction can be performed when the transaction is possible. Running. That is, for example, the data written on the card such as the account number and the transaction data input by the customer such as the personal identification number and the withdrawal amount are transmitted to the center together. The center searches the file for an account based on the data sent,
Determine whether the account is valid or invalid. And, for example, when it is found that the card has expired, the account is closed, or the balance is insufficient, it is impossible to trade, so send a message that the transaction is not possible to the terminal,
At the terminal, transaction cancellation processing is performed.

[0003]

However, since the above-described processing for canceling a transaction when transaction is impossible is performed after all transaction data has been input, there is a problem that the input operation becomes useless. is there.

Further, from the above, there is also a problem that a waiting time required until the start of a subsequent transaction takes a long time due to the useless input operation. Therefore, an object of the present invention is to provide an automatic transaction device capable of smoothing transactions by eliminating useless operations.

[0005]

The means for solving the above-mentioned problems will be described. The structure is such that a communication processing unit is provided for centralizing read data from a loaded recording medium and transaction data from an input means. An automatic transaction device that executes a transaction when the transaction is possible, and sends the read data to the center to confirm the possibility of the transaction before inputting the transaction data, and when the transaction is impossible, It is an automatic transaction device provided with a control unit for canceling the transaction.

[0006]

That is, according to the above configuration, when the recording medium is loaded, the read data from the recording medium is sent to the center to confirm the possibility of the transaction before the transaction data is input. If the transaction is not possible due to the expiration of the recording medium, the transaction will be stopped immediately.

[0007]

As a result of the above, according to the present invention, when a transaction is impossible, useless input operation can be omitted, so that the burden on the customer can be reduced.
It is also possible to facilitate transactions.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a perspective view showing an automatic teller machine as an example of an automatic transaction apparatus. As shown in this figure,
On the front of the upper part of the device main body 11, a CRT 12 also serving as a touch panel for displaying and guiding transaction operations to customers, and a passbook insertion slot 13
A card insertion slot 14, a coin slot 15, a banknote slot 16, a statement slip slot 17, a handling indicator 18,
With a call button 19 for the customer to call an attendant,
It has deposit, withdrawal, transfer, bankbook entry, balance inquiry and electronic bankbook transaction functions.

FIG. 2 is a block diagram of a control circuit of the automatic teller machine, in which the CPU 21 controls each circuit device according to a program stored in the ROM 22 and stores necessary data in the RAM 23 so that the data can be read out. .

The CPU 21 is the interface 2
CRT 12 and touch panel switch control unit 2 via
5, card reader 26, form processing unit 27, bill processing unit 2
8, the coin processing unit 29, the communication processing unit 30 is connected to deposit,
It has transaction items such as withdrawal, transfer, passbook entry, balance inquiry, and electronic passbook.

The CRT 12 displays transaction guidance such as deposit / withdrawal transactions and display guidance such as an electronic notebook for displaying the contents of past transactions, and the operating procedure thereof. By pressing the key portion displayed here, transaction items and , Transaction data such as personal identification number and amount are touch-inputted. In this case, the touch panel switch control unit 25 controls the touch input signal touch-input corresponding to the display portion displayed on the screen of the CRT 12.

Further, the card reader 26 reads the read data of the card such as the account number inserted from the card insertion port 14 and writes the updated data, and ejects the card from the card insertion port 14 at the end of transaction and the suspension of transaction. To do.

The form processing unit 27 reads the read data of the passbook inserted from the passbook insertion slot 13 and writes the update data, and performs the bookkeeping process of transaction data and unregistered data in the print column of the passbook. . Further, when the transaction ends or is canceled, the passbook is returned from the passbook insertion slot 13. Also, a transaction statement sheet in which transaction data such as deposit / withdrawal transaction is described is issued from the statement sheet outlet 17.

The banknote processing unit 28 takes in the banknotes deposited from the banknote inlet / outlet 16 into the main body 11 of the apparatus and accepts the banknotes.
More release processing.

The coin processing unit 29 takes in the coins deposited from the coin inlet / outlet 15 into the inside of the apparatus main body 11 and receives them, and at the time of withdrawal and suspension of the transaction, the coin inlet / outlet 15
More release processing.

The communication processing unit 30 transmits the edited account validity confirmation message, deposit / withdrawal request message, transaction setting request message, bookkeeping request message, past transaction content request message, etc. to the host computer 31, and from the host computer 31. It receives and processes the sent account valid reply, deposit / withdrawal reply, transaction setting data, unregistered data, book data of this transaction and its balance, designated transaction data in the past, and the like.

The processing operation at the time of withdrawal of the automatic teller machine constructed as described above will be described with reference to the flowchart of FIG. When the withdrawal is selected and touch-inputted to the CRT 12 displaying each transaction selection screen of deposit, withdrawal, transfer, passbook entry, balance inquiry, electronic passbook, the transaction procedure corresponding to this transaction, Ie C to insert the card
Displayed and output on RT.

When the card is inserted (first step n1), the CPU 21 drives the card reader 26, and sends the account validity confirmation message with the read data from the card read here through the communication processing unit 30. The password is transmitted to the host computer 31 (second step n2), the personal identification number is permitted to be input (third step n3), and these are processed in parallel.

The host computer 31 side searches the file based on the account number, determines the validity of the corresponding account, the validity of the card, the validity of the balance, etc., and returns the result of the validity of the account to the terminal. .

On the terminal side, after transmission to the host computer 31 (second step n2), the host computer 31
The CPU 21 waits for reception from the client (fourth step n4), and the CPU 21 determines whether the account is valid (fifth step n4).
5). If the account is valid, it is possible to trade, so the account is set OK (6th step n).
6) If the account is not valid because it is closed or the card has expired, the transaction cannot be performed and the account is set NG (7th step n7).

While the account validity is being confirmed, the CP number is permitted in the third step n3 and then the CP is entered.
The U21 determines whether or not the personal identification number has been input in the eighth step n8, and if it has not been input, determines whether or not the account NG has been received in the ninth step n9. If it is determined that the account NG has not been received here, the eighth step n8
If it is determined that the transaction has been received, the process proceeds to the tenth step n10, the input procedure is prohibited, and the CRT 12 displays that the account is invalid and the transaction is disabled. Further, the CPU 21 drives the card reader 26 to return the card (11th step n11), the transaction suspension processing is completed, and the transaction ends (12th step n12).

If the input of the personal identification number is completed in the above-mentioned eighth step n8, the CPU 21 permits the amount input (thirteenth step n13), and then the fourteenth step n1.
In step 4, it is judged whether or not the input of the amount of money is completed. If it is determined that the account NG has not been received, the process returns to the 14th step n14,
If it is determined that there is a reception, the above-mentioned tenth step n
In step 10, the input procedure is prohibited. After this, as in the previous case, the CPU 21 displays the transaction cancellation on the CRT 12, drives the card reader 26 and returns the card (11th step n11), and the transaction cancellation processing is completed and the transaction is executed. End (Twelfth step n1
2).

When the input of the amount of money is completed in the above-mentioned fourteenth step n14, the CPU 21 executes a normal communication with the host computer 31 (sixteenth step n16),
The following ordinary transactions are made.

As mentioned above, if the account is closed,
If the card is expired or cannot be traded,
Since the transaction can be immediately canceled to eliminate unnecessary input operations such as input of a personal identification number and amount of money, the burden on the customer can be reduced and the transaction can be facilitated.

Although the case of withdrawal has been described in the above processing operation, the same processing can be performed even with the case of depositing, and the same processing can be performed even when processing a passbook instead of a card.

In the correspondence between the present invention and the configuration of the above-described one embodiment, the automatic transaction apparatus of the present invention corresponds to the apparatus main body 11 of the automatic teller machine of the embodiment, and hereinafter, similarly, the recording medium is , The center corresponds to the host computer 31, and the control unit corresponds to the CPU 21, but the present invention is not limited to the configuration of the above-described embodiment.

[Brief description of drawings]

FIG. 1 is an external perspective view of an automatic teller machine.

FIG. 2 is a control block diagram of an automatic teller machine.

FIG. 3 is a flowchart showing a processing operation at the time of withdrawal.

[Explanation of symbols]

 11 ... Device main body 21 ... CPU 30 ... Communication processing unit 31 ... Host computer

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G07D 9/00 451 C 8111-3E

Claims (1)

[Claims] 1. An automatic transaction apparatus for transmitting read data from a loaded recording medium and transaction data from an input means to a center by a communication processing unit and executing the transaction when the transaction is possible, An automatic transaction apparatus provided with a control unit for transmitting the read data to the center before inputting transaction data to confirm the possibility of the transaction, and for canceling the transaction when the transaction is impossible.