JPS59100982A - Automatic transaction device with connection to public circuit - Google Patents

Abstract

PURPOSE:To reduce the time required until transmission of a telegram by selecting an input item which is not virtually fed again by a customer and carrying out the telephone circuit connection control in parallel to a part of the customer input. CONSTITUTION:When a customer feeds the last ''Y10,000'' of his/her loan amount, an actuation deciding part 6 detects the coincidence with a parameter ''Y10,000''. The output of the coincidence signal is transmitted to a timer 10 and a circuit control part 11. Then the timer 10 is started, and the part 11 controls a number selecting part 13 to read out a telephone number that is given to a host computer from a telephone number holding register 14-1. This telephone number is sent to a switchboard connection unit 15 to transmit a dial pulse signal to the switchboard. Such an automatic transaction device is connected to the host computer via a telephone circuit. The customer feeds the payment times through a keyboard 1 with an indication of a guidance display part after feeding his/her loan amount.

Description

[Detailed Description of the Invention] Technical Field of the Invention The present invention relates to an automatic transaction device connected to a public line, and particularly to an automatic transaction device that can perform operations such as an automatic deposit function, an automatic payment function, or an automatic loan function for customers. When the transaction device is connected to the center's host computer via a public line, the public line connection operation control is started while the customer is inputting information, so that data can be immediately transmitted to the host computer.

Prior Art and Problems Automated deposit machines with automatic payment functions or other automatic deposit functions that allow customers to withdraw their deposits using cards they own, or loans of cash within a certain range to consumers. Automated transaction devices such as automatic lending machines that can do this are installed not only in bank branches but also in large retail stores such as department stores and large supermarkets. The automatic transaction device is used by the center's host and
It is connected to a computer and sends and receives transaction data of the customer and statements such as whether the transaction is possible or not.

For this purpose, if a dedicated line is used to connect the automatic transaction device and the host computer, messages can be sent and received in a short time, but a dedicated line is expensive, so as shown in Figure 1, Automatic transaction device A and host computer B are connected by line using a public line. In this case, in order to connect this line via exchange C, automatic transaction device A sends the telephone number of host computer B, and the line is connected through exchange C. It requires a considerable amount of time.

Now, the operating state of an automatic cash lending machine as shown in FIG. 2 will be explained.

Automatic cash lending machines are usually waiting for customers.

When a customer seeking a cash loan inserts his or her card, the automatic cash lending machine reads this and first compares whether or not the personal identification number input by the customer matches that of the inserted card. When the entered personal identification number matches that of the card, the automatic cash lending machine displays the next operation item to the customer, and based on this, the customer inputs the amount and then the number of repayments. After the number of repayments is input, the automatic cash lending machine sends a telephone number for connection to the host computer to exchange C, and establishes a telephone line connection. After a line connection is established with host computer B, eight telegrams are created based on the input and C is sent. Host computer B receives this telegram, deciphers the received telegram, recognizes the identity of the person, the loan amount, the number of repayments, etc., and sends an OK message if it is OK to proceed with the loan. Then, update the center file and card, print the statement slip,
Names and the like are imprinted on this statement etc. using a protruding portion formed on the card. In addition, in parallel with this work such as updating the card, the cash for lending is counted, and after the card, statement slip, etc. are discharged from the automatic cash lending machine, the cash requested by the customer is discharged. .

In this way, in conventional automatic transaction devices, control for connecting to a telephone line is performed only after the customer's final input (in the example in Figure 2, after inputting the number of repayments), a telephone number is generated, and a connection request is made to exchange C. will be started. Since this telephone line connection operation requires a certain amount of time, there is a problem in that service to customers is delayed, and when there are many customers requesting service, the overall service is significantly delayed.

Purpose of the Invention The purpose of the present invention is to improve these problems,
In automatic transaction devices connected to public telephone lines, the control for telephone line connection is started before the customer's final input, and as the starting point of the control, it is almost impossible for the customer to re-enter the same item. Select the input item that does not have
To provide an automatic transaction device capable of shortening the time required for transmitting a message in the automatic transaction device by controlling telephone line connection in the automatic transaction device in parallel with a part of customer input. With the goal.

Structure of the Invention To achieve this object, the automatic transaction device connected to a public line according to the present invention includes a data input means for selectively inputting data by a customer, and a system for determining data input from the data input means. In an automatic transaction device equipped with a data determination means and a telephone license output means for outputting a telephone number to a host data processing device to a public line, activation judgment is performed to hold parameters for starting public line connection control according to the transaction type. A parameter holding means and a start determining means for comparing the data of the start determining parameter holding means with the input data to determine whether to start public line connection are provided, and the public line connection control is started before the final input from the customer. It is characterized by being configured as follows.

Examples of the invention Before describing the present invention in detail based on one embodiment.

The outline will be explained with reference to FIG. In the present invention.

For example, when a customer takes out a loan, the telephone line connection is controlled to be started by the time the final input from the customer is the number of repayments. Since the telephone connection operation is thereby started before the final input from the customer, the overall operation time can be shortened. In this case, the telephone connection operation is not started any time before the final input from the customer.

It is necessary to start a telephone connection after identifying a stage in which the customer will hardly make any input corrections after that (if input corrections are made after the telephone connection has been established, the telephone connection time will increase overall). .

In the case of a loan, this telephone line connection operation is started after inputting the loan amount, and in the case of automatic payment, after inputting the payment amount.

An embodiment of the present invention will be described below with reference to FIGS. 3 and 4.

FIG. 3 shows a configuration diagram of the automatic transaction device of the present invention.

FIG. 4 is an explanatory diagram of the operation.

In the figure, 1 is a keyboard, and 2 is a key interrupt reception unit.

3 is a key type determination unit, 4 is a key manual control unit, 5 is a key manual buffer, 6 is a startup determination unit, 7 is a transaction order control unit, 8
is a card reader, 9 is a startup judgment parameter holding unit, lO
is a timer, and 11 is a line control unit.

12 is a line buffer, 13 is a number selection section, 14-1 to 1
4-n is a telephone number holding register, and 15 is an exchange connection unit.

Keyboard 1 is an input section where the customer selectively inputs data, and in addition to the numeric keypad, confirmation key, cancel key, 10,000 yen key, 1,000 yen key (deficiency in automatic loan-only devices), etc. And.

When a transaction mode such as deposit mode or loan mode can be selected, a % type key for transaction selection is provided.

The key type determination unit 3 determines data input from the keyboard 1 and identifies which key has been operated.

The key control unit 4 performs various controls regarding data input from the keyboard l.

A password entered from the keyboard 1 is set in the key manual buffer 5, and compared with the password read from the card reader 8 in the transaction order control section 7.

A match or mismatch in the PIN is detected.

In addition to detecting the coincidence of passwords as described above, the transaction order control unit 7 also detects an IL corresponding to the transaction mode in this automatic transaction device.
? This is a device that performs IJ Cm sequentially, and creates a message to be sent to a host computer and sets it in the line buffer 12, or controls a printer (not shown) to create a statement slip, or performs imprint control. It is.

The activation determination parameter holding unit 9 holds parameters for instructing the start of a telephone line connection, which indicates what input data is required to start control for a telephone line connection in the automatic transaction device. The parameter is "10,000 yen" when in the deposit payment mode, "yen" when in the deposit payment mode, and the bill input signal number when in the deposit mode. Each of these parameters is held as a table for each trading mode, and when a trading mode is input from the keyboard 1, this trading mode is activated via the key interrupt reception unit 2 and the key type determination unit 3. When the transaction mode is transmitted to the determination unit 6, the parameters corresponding to the transaction mode are extracted from the activation determination parameter holding unit 9 and held in a register built in the activation determination unit 6. Of course, if the automatic transaction device operates exclusively for a particular transaction mode.

For example, if it only operates as an automatic lending machine.

Only "10,000 yen" is entered in the activation determination parameter holding section 9. The data input from the keyboard 1 is compared with the parameters in the activation determining section 6, and when they match, telephone line connection control is started.

The number selection section 13 reads out the telephone number for the host computer, and the telephone number is written in the telephone number holding register 14-1.

If a plurality of telephone numbers exist in the host computer, a plurality of telephone number holding registers 14-1-14-n are provided to hold the telephone numbers.

The exchange connection unit 15 outputs a dial pulse to connect the automatic transaction device to the host computer via the exchange via a telephone line, and when the first telephone number is busy, it reports this to the line control unit 11. It also instructs the line control section 11 to cause the first number selection section 13 to read the next telephone number.

Next, the operation of FIG. 3 will be explained with reference to FIG. 4 for the case where it functions as an automatic cash lending machine.

(1) Normally, this device is waiting for a customer.

When a customer seeking a loan inserts the card, the card reader 8 reads the card and reports the read contents, such as the password, name, and presence or absence of existing loans, to the transaction order control section 7. Then, the transaction order fttlJ (1 part 7 is when this card is normal, 1 controls the guidance display part (not shown),
A display will be displayed asking you to enter your password.

(2) The customer enters the pre-password code using the keyboard 1 according to this display. This key human power is the key interrupt reception part 2
The key data is transmitted to the key type determining unit 3 via the key type determining unit 3, where the key manual data is identified, the password input is converted into a digital value and set in the key person cappuff 75, and the transaction order control unit 7 sends the key data to the card reader. It is checked whether the password obtained from step 8 and the password input by the customer from keyboard 1 match. When a match is found, an amount input display is displayed on the display, and the customer inputs the amount to be lent using the keyboard l. However, in this case.

The loan amount is in units of 10,000 yen. Therefore, the customer enters the required amount in tens of thousands from Keyboard 1 and the number "10,000 yen".
will be input.

(3) All of these inputs are identified by the key type determining section 3, set in the key manual buffer 5, and also transmitted to the activation determining section 6. At this time, the parameter "10,000 yen" is sent to the startup determination section 6 from the startup determination parameter holding section 9.
is communicated and the input data is compared with this parameter. Therefore, when the customer inputs the last "10,000 yen" of the loan amount, the activation determination unit 6 detects a match with the parameters, and this match signal output is transmitted to the timer lO and the line control g11. Then, the timer 10 is started, and the line charge@ section 11 controls the number selection section 13 to read the telephone number to the host computer from the telephone number holding register 14-1 and sends it to the exchange connection unit 15. A dial pulse signal is sent to the exchange, and the automatic transaction device and the host computer are connected through a telephone port and a host computer.

(4) Furthermore, after inputting the loan amount, the customer inputs repayment @ 妓 from the keyboard 1 according to instructions on the guidance display section, and the customer's input operation is thus completed. The timer lo is activated by the coincidence detection signal from the activation determination section 6, but the next input from the customer is received within a certain period of time set in the timer 1°.

That is, when there is no repayment input, the passage of a certain period of time is reported to the line control unit 11, and the return control unit 11 determines that there is an abnormality in the transaction and cancels the telephone line connection operation. Further, if the customer inputs a repayment @ before the elapsed time signal from the timer 1° is transmitted, the line control unit 11 resets the timer 1°.

(5) While such control is being performed, the transaction order control unit 7 creates a message to be sent to the host computer based on the input from the customer, sets it in the gland buffer 12, and sends it to the host computer. When a telephone line connection is established with the computer, the message is sent. Based on this message, the host computer at the center checks whether there is a loan amount available for the customer, checks whether the total amount with the newly applied loan amount is within the loan limit, etc., and decides whether or not to grant the loan. Create a message to send to the automatic transaction device, and at the same time rewrite its own file.

(6) The automated teller machine receives and decodes this, and if the loan is approved, the transaction order control unit 7 instructs to count the cash for the loan, and at the same time transfers the amount to the customer's card. The entered contents are updated according to this loan, and instructions are given for printing the statement slip, imprint control, etc. When these operations are completed, the card and statement slip are released, and then the cash applied for loan is released, completing the transaction.

In the above description, the case where the machine operates as an automatic cash lending machine has been explained.1 For example, when the machine operates as an automatic teller machine, the operation condition of the activation determination unit 6 may include other signals such as a signal indicating that a customer has inserted a banknote. factors are required. These other factors, like the activation determination parameters, are appropriately set according to the transaction mode.

Effects of the Invention According to the present invention, when connecting to a center using a public telephone line, telephone connection control can be performed at a stage before the final input from seven customers. Therefore, the time required for automated trading can be significantly reduced, and service to customers can be significantly improved.

[Brief explanation of drawings]

No. 11L+ is a schematic diagram of connecting an automatic transaction device and a host computer using a public telephone line; No. 2
FIG. 3 is an explanatory diagram of the operation of a conventional automatic transaction device, FIG. 3 is a configuration diagram of an embodiment of the present invention, and FIG. 4 is an explanatory diagram of the operation. In the figure, 1 is a keyboard, and 2 is a key interrupt reception unit. 3 is a key type determination unit, 4 is a key manual control unit, 5 is a key manual buffer, 6 is a startup determination unit, 7 is a transaction order control unit, 8
is a card reader, 9 is a parameter holding unit for activation judgment, 1
0 is a timer, 11 is a line control unit. 12 is a line buffer, 13 is a number selection section, 14-1 to 1
4-1 is a telephone signal holding register, and 15 is an exchange connection unit. Patent applicant Fujitsu Ltd. agent Patent attorney Akira Yamatani

Claims (1)

[Claims] A data input means for selectively inputting data by a customer, a data determination means for determining data input from the data input means, and a telephone number output means for outputting a telephone number to a host data processing device to a public line. In the automatic transaction device, the activation judgment parameter holding means holds parameters for starting public line connection control according to the transaction type, and the data of this activation judgment parameter holding means is compared with the input data to start the public line connection. An automatic transaction device connected to a public line, characterized in that it is provided with a start determination means for determining start, and is configured to start public line connection control before the final input from a customer.