JPS5828278Y2 - automatic transaction device - Google Patents

Description

[Detailed Description of the Invention] The present invention relates to an automatic transaction device in which a transaction mode such as deposit or payment is automatically determined.

Automatic teller machines (automatic deposit machines, payment machines) that automate deposit processing and payment processing include deposits using passbooks (passbook deposits) and deposits using cards with account numbers magnetically stored (
(Card deposit) 1Payment using a passbook (passbook payment), payment using a card (card payment), balance inquiry by writing the balance on the receipt using the card, and bookkeeping by writing the balance on the passbook.

There are several transaction modes such as, and conventionally, one of these transaction modes was selected by the customer's key operation.

Therefore, if the customer makes a mistake in key operation, the transaction will be processed in an undesired transaction mode.For example, if the customer mistakenly selects the payment mode when requesting a deposit.

Since subsequent key operation instructions are made in payment mode,
There is also the inconvenience that if you follow the instructions, you will be paid the same amount in cash.

On the other hand, if the user mistakenly selects the deposit mode when requesting payment, unexpected operating procedures including instructions to insert cash will be displayed.

This invention prevents such inconvenient situations from occurring,
In addition, so that deposits and payments can be made with simple operations similar to normal manual deposits and payment processing, the mode selection of deposit or payment, as well as mode selection of whether it is by passbook or by card, can be made on the device side. The present invention provides an automatic transaction device that automatically performs transactions.

The automatic transaction device of the present invention is configured to determine a customer's mode selection (key operation) regarding deposits and payments based on the signals from each detector.

That is, whether it is a deposit or a payment can be determined by whether or not the customer has inserted cash, and whether it is a passbook or a card can be determined by directly detecting these.

Therefore, from these determination results, it is possible to automatically select one of the four transaction modes: "passbook deposit", "card deposit", "passbook payment", and "card payment".

An embodiment of the present invention will be described below based on one drawing.

FIG. 1 is a perspective view showing the external appearance of the device, in which 1 is an operation indicator and 2 is a customer operation surface.

On the operation surface 2, as shown in FIG. 2, there are amount buttons 3 for inputting amounts. an amount display device 4 that displays the input amount;
A transaction start button 5 for instructing the start of a transaction (processing), and an inquiry/booking button 6 for making balance inquiry or bookkeeping as necessary are provided.

Reference numeral 7 denotes an input medium accommodating section which is recessed one step further on the operating surface 2, and its upper opening is automatically or manually closed by a lid (not shown) during the processing period.

The storage section 7 includes a card input/output section 81, a bankbook input/output section 9. A cash input/output section 10 and a receipt output section 11 are provided.

The card 12 is placed on the card input/output unit 8 (as shown), and is input into the device from here (sucked in the direction of the arrow).

After the series of processing is completed, the liquid is output from inside the device (discharged in the direction of arrow B).

This operation is the same for the passbook 13 placed on the passbook input/output unit 9.

On the other hand, in the cash input/output unit 10, cash (banknotes) 14 placed in the illustrated state at the time of deposit is sucked in in the direction of arrow B, and conversely, cash 14 is discharged from the direction of arrow B at the time of payment.

Further, the receipt output section 11 outputs a receipt 15 with the balance written in it only when the card 12 is used in the direction of the arrow.

FIG. 3 shows the parts necessary for executing the transaction mode regarding deposits and payments in blocks.
This is a general term for the inquiry record button 6.

Card detector 21. Passbook detector 22. The cash detector 23 includes a card input/output unit 8 and a passbook input/output unit 9 in FIG. 2, respectively.
．． A card 12, a passbook 13, and cash 14 are installed in the cash input/output unit 10.
Individually detects whether or not is placed.

When the transaction start button 5 in FIG. 2 is pressed, the processing start memory 24 stores the contents and opens the gates 25 to 28.
The outputs C2D and E of the detector 21゜22.23 are sent to the card reader 29゜passbook magnetic stripe reader 301 bill validator 3
1, and the inverted symbol plane by the inverter 32 is guided to the cash counter 34 through the gates 28 and 31.

When the inquiry record button 6 in FIG. 2 is pressed, the inquiry record memory 35 stores the contents and sends the output F to the gate 3.
6 to the control circuit 37, and the inverter 38
The gate 33 is closed by the inverted signal F.

In other words, information indicating that there is no cash (in this example, "EL") is not provided to the cash counter 34.

Since the gate 36 is controlled by the output of the gate 28, the signal F will not be led to the control circuit 37 if there is information that cash is present (E=“H”).

The card reader 29 detects the card 1 by the card detector 21.
2 is detected, a signal C (-
'H'), reads data such as an account number magnetically stored on the card 12, and transfers the data to the control circuit 37.

The same applies to the passbook magnetic stripe reader 30.
Data such as account numbers stored magnetically in the passbook 13 are read and transferred to the control circuit 37.

The banknote validator 31 receives the symbol E indicating that cash is present, and
The authenticity of the inserted cash 14 is determined and the amount is counted.

The amount data is transferred to the control circuit 37.

When the cash counter 34 is given the symbol E indicating "no cash", it counts the amount of paid banknotes corresponding to the payment amount data set with the amount button 3 in FIG. Send to 37.

Incidentally, the payment amount data by the amount button 3 is also directly supplied to the control circuit 37.

38 is a passbook printer for entering the balance in the passbook 13, 39
is a receipt printer that writes the balance amount on receipt 15,
40 is a line control device.

The line control device 40 sends and receives data to and from the central processing unit 42 of the center connected via the line 41, and data such as account numbers and deposit amounts or payment amounts compiled by the control circuit 37 are The remaining amount data and the like are transmitted to the central processing unit 42, and conversely, the central processing unit 42, which has storage and calculation functions, is guided to the passbook printer 38 or receipt printer 39.

These printer 38,390 selections are made by gates 43,44.

The operations of the automated teller machine configured as described above will be explained separately for payment, deposit, and bookkeeping (balance entry).

〔payment〕

If the transaction start button 5 is pressed with the card 12 or passbook 13 placed in the input medium storage section 70 without inserting cash 14 or pressing the inquiry entry button 6, the signals E and F will be activated. At 'L', one of the signals C and D becomes Hu.

now. If the signal C is H''', the card reader 29 is activated, and the signals E and F cause the cash counter 3 to be activated.
4 becomes operational, the control circuit 37 determines the transaction mode as "Card Payment 4" from this information and activates the operation instruction device 1.

Against this. If the signal is "H", the passbook magnetic stripe reader 30 is activated, so the control circuit 37 determines "passbook payment" and drives the operation indicator 1.

The subsequent operations are common and will be omitted, but
If it is a "card payment", the receipt printer 39 is selected, and if it is a "passbook payment", the bankbook printer 38 is selected.

〔deposit〕

When the transaction start button 5 is pressed with the card 12 or passbook 13 placed in a predetermined position of the input medium accommodating section 70 and the cash 14 placed on the cash input/output section 14, the signal E becomes H''. Therefore, the banknote validator 31 is activated.

Here, if the signal C is Htt, the card reader 29 is activated, so the control circuit 37 determines that it is a "card deposit".

vice versa. If the signal is Hlj, the control circuit 37 determines that it is a "passbook deposit".

The operating procedures performed after these determinations are omitted because they are common, but at this time, even if the inquiry record button 6 is pressed and the signal F becomes "H", the signal E will be "L I+". Since the gate 36 is closed, you may accidentally enter "Book entry" or "
The transaction mode will not be "Balance Inquiry".

[Bookkeeping or balance inquiry]

When the card 12 is placed on the card input/output section 8, the inquiry entry button 6 is pressed, and the transaction start button 5 is pressed.

The output of the gate 25 becomes H11 and first the card reader 29
is started.

At this time, the signal E becomes H11, which means that the signal F becomes L.
D and the gate 33 is closed, so the cash counter 34 is not activated.

Therefore, the control circuit 37 determines "Balance Inquiry".

On the other hand, the passbook 13 is placed on the passbook input/output section 9,
When the same operation as above is performed, a signal is sent and F is H11.
Since the passbook magnetic stripe reader 30 is activated, the control circuit 37 determines that it is "bookkeeping".

The mode discrimination logic in the control circuit 37 described above can be shown in a simplified manner as shown in FIG.

Incidentally, the same figure also includes the functions 33 and 36 of FIG. 3.

In other words, assuming that the outputs C2D and E of each detector become "HI+" when the respective input medium is "present", and the signal F becomes "HI+" when the inquiry record button 6 is pressed, then the gates 45, 46° 47 .4B, 49, 50 output C-E-F
, C.E, D-E-F, D-E, C-F, and D-F, only one of them becomes ``Hpa,'' so the six transaction modes can be easily distinguished.

%, the four transaction modes for deposits and payments are 3
Since the transaction can be determined only by the presence or absence of one input medium (card, bankbook, cash), selection buttons regarding these transaction modes are not required.

Note that "bookkeeping" and "passbook payment" and "balance inquiry" and "card payment" cannot be distinguished by the input medium alone, so some type of key operation by the customer is required. Considering that there are some products that do not have a transaction mode, and that troubles are mainly caused by incorrect selection between deposits and payments, the effect of automating the selection of transaction modes regarding deposits and payments is significant.

The automatic cash transaction device of the present invention described above has at least transaction modes related to deposits and payments.

Since the selection is made automatically based on the input media arranged at specified positions on the device operation panel, there is no need to operate keys for mode selection, improving operability and also being advantageous in preventing problems caused by erroneous operation. There is.

[Brief explanation of the drawing]

Figures 1 to 4 are diagrams showing one embodiment of the present invention.
The figure is an external perspective view of the automated teller machine, and FIG. 2 is an enlarged plan view showing the customer operation surface of FIG. 1. FIG. 3 is a block diagram of a main part of the apparatus shown in FIG. 1, and FIG. 4 is a block diagram collectively showing mode discrimination logic of the control circuit shown in FIG. 3. In the figure, 2 is a customer operation surface, 6 is an inquiry entry key, 7 is an input medium storage section, 8 is a card input/output section, 9 is a passbook input/output section, 1
0 is a deposit input/output unit, 11 is a receipt output unit, 12 is a card, 13 is a passbook, 14 is cash, 15 is a receipt, 21 is a card detector, 22 is a passbook detector, 23 is a cash detector,
37 is a control circuit.

Claims (1)

[Scope of Claim for Utility Model Registration] The utility model was installed on the customer service side of an automatic transaction device that has the function of executing multiple types of transactions. A card input section 9 includes a medium storage section having a credit input section and a cash input section. A medium detector is provided corresponding to each input section of the medium storage part, and the detection output of each medium detector determines whether a card or a passbook has been input, and also determines whether cash has been input. deposit". An automatic transaction device characterized by comprising means for selectively executing "card deposit", "passbook payment", or "card-supported transaction".