JPH10340366A - Automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To simultaneously perform transactions using plural accounts. SOLUTION: When a client selects a transaction utilizing plural accounts, a controller 7 acquires plural kinds of account information, acquires the information of the remainder for each account from a host 8 by notifying this information to the host 8 and displays this acquired information together with account numbers. The client selects any account to transact out of these numbers and continuously performs operation for inputting the amount of payment and when the amount of transaction is completely inputted to all the desired accounts, the payment in cash is performed corresponding to the total of transaction amounts.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system in which a customer operates a transaction apparatus to execute a transaction.

[0002]

2. Description of the Related Art In a conventional automatic transaction system, only one account can be transacted in one transaction. For example, when performing a payment transaction from a plurality of accounts, it was necessary to repeat the payment transaction in accordance with the number of accounts to be transacted.

[0003]

When conducting a transaction using a plurality of accounts, the transaction must be repeated even if the transaction type is the same, but when the next transaction is performed, the previous transaction is terminated. Therefore, if a plurality of transactions are performed consecutively, there is a problem that the occupation time of the automatic transaction apparatus becomes long.

[0004]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides a means for acquiring a plurality of account information in an automatic transaction system in which a customer executes a transaction by operating an automatic transaction apparatus. Means for displaying a plurality of acquired account information, means for selecting a desired account from the displayed plurality of account information, means for inputting a transaction amount for each selected account, Means for performing cash deposit / withdrawal processing based on the total transaction amount in the account.

[0005]

FIG. 1 is a block diagram showing an example of an embodiment of an automatic transaction system according to the present invention. In the figure, reference numeral 1 denotes a card / receipt processing device, a function for taking in and discharging a customer's cash card (CD card), a function for reading information (referred to as account information) for specifying an account such as an account number from a CD card, It has a function to print the transaction result on the receipt and discharge it.

Reference numeral 2 denotes a passbook processing device, which has a function of taking in and discharging a customer's passbook, a function of reading account information and the like from the passbook, a function of printing transaction results on the passbook, and the like. 3
Denotes an operation device, which includes a display and a touch panel, and has a function of guiding operation to a customer and receiving information input by the customer. Reference numeral 4 denotes a banknote pay-in / pay-out device, which has a function of storing and discharging banknotes inserted by a customer and discharging and receiving banknotes stored therein.

Reference numeral 5 denotes a coin depositing and dispensing device, which has a function of depositing and dispensing coins, such as storing coins inserted into a customer and discharging stored coins. Reference numeral 6 denotes a transfer card read / write device, which has a function of loading and unloading the transfer card, a function of reading and writing information from and to the transfer card, and the like.
Reference numeral 7 denotes a control device which controls each of the above-described devices and executes a transaction by a customer operation.

Reference numeral 8 denotes a host which manages each account according to a transaction. FIG. 2 is a flowchart showing the operation of the present embodiment. The outline of the operation of a transaction using a plurality of accounts executed by the automatic transaction system of the present embodiment will be described. First,
The control device 7 controls the operation device 3 to display a transaction selection screen, and allows the customer to select a transaction (S1).

[0009] If the selected transaction is a transaction using a plurality of accounts (S2), input of a plurality of account information is received (S3). The input of account information is performed by reading an account number or the like from a card or passbook inserted according to the type of the selected transaction. Receiving insertion of cards or passbooks for a plurality of accounts to be traded, the account number or the like is read from each card or passbook, and when the customer inputs the end of insertion of the card or passbook (S4), the control device 7 reads. The host 8 is notified of the account information. The host 8 extracts the balance of each account and notifies the control device 7.

The control device controls the operating device 3 to display the acquired plurality of account numbers and balances in association with each other (S
5). The customer refers to the displayed account number and balance, selects an account for the transaction, and performs operations such as inputting information necessary for the transaction (S6, S7). In the case of continuing the transaction, the user selects the account to be transacted and performs the transaction operation (S6).
~ S8).

When a transaction operation is performed on all accounts to be transacted and the end of the transaction operation is input, the information is notified to the host 8, and the host 8 updates the information for each account. The controller 7 is notified of the execution of the cash deposit / withdrawal process. In response to the notification, the control device 7 controls the banknote pay-in / pay-out device 4 and the coin pay-in / pay-out device 5 to perform cash deposit / withdrawal processing with the total transaction amount of all accounts, and ends the transaction (S9).

If the transaction selected in S2 is a transaction using a single account, account information specifying one account is received (S10). When the transaction operation is performed, cash deposit / withdrawal processing is performed, and the transaction is terminated (S1).
1, S9). FIGS. 3 to 5 are flowcharts showing details of the payment operation. Hereinafter, the operation of a transaction using a plurality of accounts will be described using a payment transaction as an example.

First, a transaction selection screen is displayed on the operation device 3 of the automatic transaction apparatus, and on this screen, a normal payment transaction or a payment transaction of a plurality of accounts is selected. When the payment transaction with one account is selected, the process proceeds to processing 1, and when the payment transaction with a plurality of accounts is selected, the process proceeds to processing 2. Process 1: When the payment transaction with one account is selected, the customer inserts one CD card into the card / receipt processing device 1 and inputs a personal identification number for the card. Account information is read from the inserted card,
The control device 7 notifies the host 8 together with the password.

When the host 8 receives the notification of the account information and the password, the host 8 confirms the person from the password, and if the person is the person, totals the balance from the account number and proceeds to the processing 3. Process 2: If the payment transaction with multiple accounts is selected,
The customer inserts the CD cards of a plurality of accounts to be traded into the card / receipt processing device 1 and inputs a personal identification number for each card. Account information and the like are read from each inserted card. When the cards of all the accounts to be traded are inserted and the passwords are input and the end key is selected, the control device 7 notifies the host 8 of the account information read from each card together with the password.

Upon receipt of the account information and the password, the host 8 confirms the identity of each password. If the host 8 is the principal, the host 8 totals the balance of each account number and proceeds to processing 4. Process 3: When the payment amount is notified from the control device 7 to the host 8, the host 8 performs a payment process of a desired amount from the corresponding account. Processing 5 for payment transaction with one account
In the case of a payment transaction with a plurality of accounts, the processing shifts to processing 4.

Process 4: The host 8 notifies the control device 7 of the account number and balance of each account. Upon receiving this notification, the control device 7 displays the account number and the balance on the operation device 3. When an account number to be traded is selected and a payment key is selected, the process proceeds to processing 3. When the stop or end key is selected, the processing shifts to processing 5. Process 5: When the payment process in the host 8 is completed, the payment amount is notified from the host 8 to the control device 7, and the execution of the cash payment process is notified. The control device 7 controls the banknote pay-in / pay-out device 4 and the coin pay-in / pay-out device 5 to perform a payment operation of a designated amount. Then, the cash, the card, and the receipt are discharged, and the transaction is completed when the customer receives the cash, the card, and the receipt. If the transaction is stopped halfway, the card is ejected and the customer receives the card, and the transaction ends.

As described above, in the payment transaction of the present embodiment, when a payment transaction is made from a plurality of accounts, a balance inquiry for a plurality of accounts to be made a transaction and a continuous inquiry for a plurality of accounts. All payment transactions, and
Payment of cash in the automatic transaction apparatus is performed for a plurality of accounts at a time, so that the occupation time of the automatic transaction apparatus can be reduced.

In the present embodiment, the payment transaction is described as an example, but the present invention can be applied to a deposit or a transfer transaction.

[0019]

As described above, according to the present invention, a plurality of account information is obtained and displayed, a desired account is selected from the displayed plurality of account information, and a transaction is performed for each selected account. Since the amount of money is entered and the cash deposit / withdrawal processing is performed with the sum of the transaction amount in each account, when conducting transactions using multiple accounts, it is necessary to terminate the transaction for each account Since the transaction can be continued continuously, and the cash deposit / withdrawal processing is performed collectively with the total transaction amount, the occupation time of the automatic transaction apparatus can be reduced.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an example of an embodiment of an automatic transaction system of the present invention.

FIG. 2 is a flowchart showing the operation of the embodiment.

FIG. 3 is a flowchart showing details of a payment operation.

FIG. 4 is a flowchart showing details of a payment operation.

FIG. 5 is a flowchart showing details of a payment operation;

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 card / receipt processing device 2 passbook processing device 3 operating device 4 bill receiving / dispensing device 5 coin receiving / dispensing device 6 transfer card read / write device 7 control device 8 host

Claims (1)

[Claims] Claims: 1. An automatic transaction system in which a transaction is executed by a customer operating an automatic transaction device, a means for acquiring a plurality of account information, a means for displaying the acquired plurality of account information, A means for selecting a desired account from among a plurality of account information; a means for inputting a transaction amount for each selected account; An automatic transaction system comprising: