JPS60108965A - Transfer processing system - Google Patents

Abstract

PURPOSE:To recover a card-like medium to be used for an automatic transaction device and to clear the reason for the card recovery by checking whether an available period read out from the card is included in a fixed term or not, and if the available period passes the fixed term, printing out a message indication the expiration of the available period. CONSTITUTION:A transfer card (card-like medium) is used for the automatic transaction device and various transfer information such as a destination, a receiver and a sender is printed out on the surface of the card. In addition, various transfer information, an available period, a parity check code BCC, etc. are recorded on a magnetic stripe on the back of the card. The available period and transfer information on the stripe are read out by a magnetic head 50 in a bankbook printing part 13 of the automatic transaction device and the transfer processing is executed on the basis of the transfer information. Whether the read- out available period is included in a fixed term or not is checked under control by a main control part, and if the available period has been passed, a message indicating the recovery of the card due to the expiration of the available period is printed on the card by a printing head 56 and the card is recovered to a collection box 68.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to a transfer processing method used in an automatic transaction device such as an automatic teller machine that can transfer cash to other financial institutions.

[Technical background of the invention]

In recent years, automatic teller machines that accept magnetic cards with account information recorded on them submitted by users and automatically pay cash requested by users by communicating with a host computer;
Alternatively, an automatic teller machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded and automatically disburses the cash requested by the user by translating it with a host computer, or an automatic teller machine with a magnetic stripe on which account information is recorded. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks, and automatic teller machines that combine both of these functions into one machine, are automated equipment for bank counters. It has rapidly developed as a bank, and has been introduced into banks to provide quick services to users. In addition, automatic transfer transactions, in which a predetermined amount of money is transferred from one's bank account to another bank account through card transactions, have been developed and put into practical use.

Therefore, in order to eliminate the need for key human input for transfer information each time, we issue a renewal card with the key human transfer information recorded in a machine-readable manner, that is, magnetically recorded on a magnetic stripe. At the time of a transfer transaction, it has been considered that the transfer transaction is performed based on the transfer information recorded on the magnetic stripe of the transfer card.

[Problems with back-table technology]

However, in the case of the above-mentioned cards, there is an expiration date on the 1-in card, and after this expiry date, the cards are collected. Additionally, any forgotten transfer cards will be collected. For this reason, if they were to be stored separately, d number of storages would be required, which would be expensive and cause problems with the sweeper. In addition, if there were 11 warehouses, it was necessary to find some way to determine the cause of the recall.

[Object of the Invention] The present invention has been made in view of the above circumstances, and its purpose is to provide a transfer processing method in which the reason for the collected card-like medium can be immediately determined.

[Summary of the invention]

This invention checks whether the processing date is within the expiration date according to the expiration date read from the card-like medium,
If the result of this check is that the expiration date has passed, information to the effect that the expiration date has expired is printed on the card medium, and the card-like medium is made to be collected.

[Embodiments of the invention]

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1 there is an abbreviated operation section 2.
is formed. On the horizontal surface of this operation section 2, transfer,
In addition to being able to input a large number of banknotes to be transferred at once,
A banknote insertion slot 3 for receiving banknote change is provided, and the banknote insertion slot 3 is provided with a door 4 that can be opened and closed automatically. Further, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2. This CR7 display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations and the letters ``b'' to guide the user and, depending on the display, PIN number, amount 9 account number.

To approve or confirm a transaction, or to cancel a transaction, press the display part.
) detects this, and a so-called key operation is performed to output a corresponding signal to the main control section 11, which will be described later. In other words, as shown in Figure 2, for example, the message ``Please enter the payer's name'' is displayed, as well as katakana for entering the payer's name and a key for specifying the type of business where the transfer is to be made. . The contents and display change each time the machine operation or step status changes.

Further, on the vertical surface of the operation unit 2, there is a card insertion slot 6 into which a magnetic card as a transaction medium in which account information such as a PIN number and account number is recorded is inserted, and a passbook or a card-like card (card-like medium) is inserted. 10 is inserted into the passbook, transfer card insertion lower, and receipt output port 23 where the receipt is issued.
, a coin slot 8 for inserting coins, and a coin change receiving slot 9 for receiving change for coins.

As shown in FIGS. 3 and 4, the transfer card 10 has the transfer information on its front side 31 including the name of the financial institution where the transfer is to be made, the name of the branch, the name of the bank, the account number, the account number, and the name of the client. ,
The client's name and account information or phone number are printed,
Magnetic stripe 32 on the back where transfer information is recorded
is provided. As shown in FIG. 5, the transfer information recorded on the magnetic stripe 32 includes a code beginning with 1, an institution code indicating the form of the financial institution to which the transfer is made, and the initial letter of the name of the financial institution to which the transfer is made and its code.

The initial letter of the branch name of the financial institution to which the transfer will be made and its code.

Transfer destination account type code, account number, and beneficiary name.

Client name, client phone number, expiration date of transfer card,
usage count, terminator, and )J updated on each use
? It is composed of an RCC (binary check code) for performing a security check.

By the way, as shown in FIG. 6, inside the four bodies 1, there is a main control section 11 that controls the entire system, which accepts the card inserted through the card insertion slot 6 and reads the magnetic stripe on the card, such as the PIN number, account number, etc. Magnetic card reading unit 12-1 reads the magnetic stripe of the bankbook inserted from the bankbook and transfer card insertion lower, and also reads the bankbook and journal paper in which transaction details are recorded, as well as the transfer information of bank transfer transactions. Transfer card 10 with printed and recorded bankbook, (issued from Tatsumi card insertion lower, or transfer card 1 inserted from passbook, transfer card insertion lower)
0 magnetic stripe and qzcD-& included information; a receipt print unit 24 that issues a receipt with the transaction jl'rj result printed thereon from the receipt issuing port 23; A deposit/withdrawal unit 14 accepts banknotes inserted into the coin slot 8 and dispenses a specified amount of banknotes to the banknote insertion slot 3; A coin deposit/withdrawal unit 15 for dispensing coins, a customer service unit comprised of the CRT display section 5, and a customer service unit 16, which provides voice guidance to customers through a speaker (not shown) 17.
, an internal monitor 18 for staff, a floppy disk 19 on which transaction data and the like are recorded, a transmission control section 20 that controls data transmission between the main control section 1) and a host computer (not shown), and A power supply section 2 is provided.

Further, the main control section 11 is connected to a remote monitor 22 for use by a staff member provided outside.

The above-mentioned passbook printing section 13 is configured as shown in FIG. That is, a passbook or transfer card insertion slot 2 is communicated with the front side of the main body 42, and a detector 43 for optically detecting the inserted passbook or transfer card 10 is provided near the insertion slot 7. ing. A conveyance path 44 is provided in a substantially horizontal direction from the detector 43 toward the rear of the main body 42 . This conveyance path 44 includes drive rollers 45 .・
..., each of these rollers 45. Pinch rollers 46. ... and guide body 47. ...
It is driven by a t+rus motor 48 via a belt tracker. Note that only the drive roller 45 located at the terminal end of the conveyance path 44 is connected to the motor 4.
It is driven by a motor 49 which is different from the motor 8. A magnetic head 5o serving as a magnetic reading/recording device is provided at the starting end of the transport path 44.

This magnetic head 50 is for reading or recording information on the magnetic stripe 32 of the accepted passbook or transfer card 1o, and contacts the magnetic stripe 32 as necessary to move along the magnetic stripe 32. The trap is configured to perform reading and recording by moving the paper (in a direction perpendicular to the direction of conveyance of the passbook or transfer card 1o).

Further, a platen roller 54 is rotatably supported in the middle of the conveyance path 44 . This platen roller 54 is connected to an electromagnetic brake 55 as a printing machine Ni't, and by the action of this electromagnetic brake 550, it is locked while the passbook or transfer card 10 is being handled, and printing of journal paper 59, which will be described later, is performed. Sometimes it becomes a rotating mark. A print head 56 is provided above the platen roller 54. The print head 56 is held by a carriage 57, and the carriage 57 is guided by a slide opening 58 and moved in the axial direction of the grating roller 54. Here, the platen roller 54, print head 56, etc. are used for a bankbook.

Transfer card 10. It constitutes a printing device @76 that prints predetermined information on the journal Jl1 paper 59. A roll of journal paper 59 is wound around the platen roller 54 .

This journal paper 59 is wound and held on a delivery shaft 60, wound onto a take-up shaft 61 via a grating roller 54, and conveyed by a feed roller 62 and a pinch roller 63. The above winding shaft 6 and feed roller 6
2 is driven by a pulse motor 64 via a belt.

Further, in front of the grating roller 54 on the conveyance path 44, a detector 65 is provided to optically detect the bankbook or transfer card 10 being conveyed. Further, near the end of the conveyance path 44, there is an east loading box 6 for storing the conveyed passbook.
8 is provided.

Further, a storage section 69 is provided near the end of the conveyance path 44, in which a transfer card 1° on which transfer information is not printed or recorded is stored. The sheets are taken out one by one by take-outs A to U 70 and supplied to the conveyance path 44.

Next, the transfer processing method of the present invention in such a configuration will be explained with reference to the flowcharts shown in FIGS. 8(a) to 12. For example, a customer is now standing in front of this device. At this time, the CRT display unit 5 displays the message "Welcome, please help us with your transaction" and the selection keys for "Withdrawal, Deposit, Balance Inquiry 2 Entry in Passbook, Transfer" ( STM). In response to this guidance, the customer presses down on the part that says "Transfer" (
BT2). As a result, the main control unit 1 determines to proceed to the next processing step, displays on the CRT display unit 5 the message "Please press the transfer button", and selects "cash or card withdrawal". Display the key (B
T, v).

Next, the customer presses the part labeled "Card withdrawal" according to the instructions (8T4).

From this K, the main control unit 11 determines that the payment should be made by card and the image is taken, and the CRT display unit 5 displays a message "Please insert the card" (STY).

Next, the customer inserts the guard into the card insertion slot 6 according to the instructions (BT6). Then, the card is taken into the magnetic card reading section 12 and transferred to a magnetic field (not shown).

Account information such as the password 9 account number recorded on the magnetic strino section is read by the operation. The above account information is checked by the main control section 1, and if it is determined that the card is incorrect, the main control section II performs error processing. If the main control unit II determines that the card is correct, it causes the CRT display unit 5 to display ``Press Menada's PIN code'' as well as a numeric keypad and a correction key (BT7). Next, the customer inputs his/her PIN number by pressing down on the area where the numeric keypad is displayed, following the instructions (BT8). By inputting this password, the main control unit 11 determines whether or not the passwords match, and if they do not match, performs a password re-input process.

In addition, if the PIN numbers match, the main control unit 1
``Please press transfer amount'' on display 5,
A numeric keypad and an amount key are displayed (BT9).Then, the customer follows the instructions and inserts the money to be transferred (ST10). With this input, the main control section J1 is CR'
l'Display section 5 displays "Depending on whether the destination is registered or not, please press the registration key, the designated key, or insert the Orike transfer card" and press the Mameen key and the designated key. (ST) 1).

Next, the customer inserts the specified key according to the instructions (ST12). When the main control unit 11 determines that this designation key has been input, it displays on the CRT display unit 5 the message "Please press the destination financial institution" and also displays the financial institution selection key (S T 3). Following this guidance, the customer closes the financial institution (ST14)
.

When the main control unit 11 determines that the branch name is -5f by pressing this button, it displays the branch name selection key on the CRT display unit 26 with the message "Press the branch name to be displayed" (
ST J5). Next, the customer presses the branch name selection key according to the instructions (8T16'). By pressing this button down, the main control unit 1 causes the CRT a holder 5 to
Please enter the destination account number and deposit type,'' and display the numeric keypad, correction key, regular key, and current account key (STly). Following this guidance, the customer inputs account number 1 deposit item (ST18). If the main control unit 1 determines that this is not the main branch after inputting this information, it will prompt you on the CRT display 5 to "Press the beneficiary's name."
along with a katakana key and a correction key.

The complete r key is displayed (ST19). Then, when the completion key is pressed (ST2θ), or when the main control unit 11 determines that it is the main branch, the CRT display η35 displays "Currently processing the converter. Please wait for a while" (8T, ?J). ). In addition, the main control unit 1
1 sends and receives inquiry telegrams, records the result on journal paper 5
9 is printed. Next, the main control section 11 causes the CRT display section 5 to display the message "Please confirm d of the transfer", as well as display the details of the transfer, a confirmation key, and a cancellation key (ST, ?, 2). Following this guidance, the customer inserts the confirmation key or cancellation key (ST, ?
3).

When the main control unit 11 determines that the cancellation key has been input, it performs a cancellation process, and when it determines that the confirmation key has been input,
The CRT display unit 5 displays “The computer is currently processing.
Please wait for a while" is displayed (ST24)
. Further, the main fhlJ control section 1 sends and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Next, transfer card error processing (described later)
After performing ST24'), the main control section 11 causes the CRT display section 5 to display the message "Do you need a transfer card?" and displays necessary keys and unnecessary keys (STE5).
), the customer presses the necessary key according to this guidance (STZ6).

Then, the main side price 1 section 11 is sent to the bank/limited Glint section 13 as mountain information such as the name of the financial institution and the name of the branch where the transfer is to be made.

In addition to printing the 2 types of 2 types of 2 types of 2 types of 2 types of names, the name of the transferee, and the account information, etc., the transfer car R10 as shown in Figure 3 recorded on the magnetic stripe 32 should be passed through the transfer car R10 for 1 inflation and transfer. The card is issued from the card insertion lower.

That is, the transfer card 10 is taken out from the storage section 69 by the take-out roller 70 and conveyed along the conveyance path 44 in the direction of arrow a. When the rear end of the transfer card 10 faces the print head 56, the transfer card 10 is conveyed in the direction of the arrow, and transfer information is printed on the front surface 3 by the print head 56 during this conveyance. When this printing is completed, the transfer cart number 0 is again conveyed in the direction of arrow a, and when the magnetic stripe 32 is moved by the magnetic head so Klt lt:iJ,
Transfer information is recorded on the magnetic stripe 32, and then it is ejected from the insertion lower.
ils 1) causes the CRT display section 5 to display "(Green space card? Please accept it)" (ST27).

Then, the process proceeds to the transfer card receiving process (ST28), which will be described later, and if the transfer card 10 is collected, the bereavement process is finished and the transfer card 10 is no longer collected, or the Stellar 025 When the ν key is pressed - (8T29), main i1+lJ ial i'4
1 degree card and receipt will be displayed on the CA'R display section 5.'' (S T 3
o). Then, the customer presses (ST, V))
.

Also, when the advancement key is pressed on Stella Ftz (S
T32), the main control line section 11 displays on the CRT display section 5, "Currently processing the converter. Please wait for a while."
is displayed (ST33). The main control unit II also sends and receives one inquiry sentence and causes the result to be printed on the journal paper 59. Next, the main control unit 11 causes the CRT display unit 5 to display the message ``Please approve the transfer'' and displays the details of the transfer, a confirmation key, and a cancellation key (STJ4). Following this guidance, the customer must enter the confirmation key or cancellation key 1 (
ST3s). When the main control unit 11 determines that the cancellation key has been input, it performs a cancellation process, and when it determines that the confirmation key has been input, the CRT display unit 5 displays the message "The computer is currently processing. Please wait for a while." Sesameru (ST, v6). In addition, the main side@j section No. 1 sends and receives the transfer message, and prints the result on the glossy paper 59 using the printing device 76. Next, the main ta control section 11 causes the cR'r display section 5 to display "Please take the card and receipt from me, father"('5T37). Next, the user-g receives the card and receipt, and ends the transfer process (Si20).

Also, in step 11, the green area card IO is passed;

1116 When inserted into the card insertion lower (ST,
y9), the transfer card IO is accepted by the passbook glint section 13. As a result, the main and sub-rA1 part II is
Perform green space card processing ('ST, ?9'). This process makes it difficult to determine whether the read data is an error, 9 errors, or 100 errors.
If there is an error, proceed to step 12, and if normal, the transfer information in the stripe section 32, that is, the institution code of the transfer destination, the initial letter of the financial institution name and its code, the initial letter of the branch name and its code, Account number 9 Loza item code,
Client's name, client's account information, expiration date of transfer card.

The number of times of use is read and outputted to the main control unit 11. As a result, the main control unit 11 causes the CRT display unit 5 to display the message "Please confirm the details of the transfer," and also displays the details of the transfer.
A confirmation key and a cancellation key are displayed (Si41)). Following this guidance, the customer inserts the confirmation key or cancellation key (ST4z). When the main control unit 11 determines that the cancellation key has been input, it performs a cancellation process, and when the confirmation key is input -I'll 117'+, the CRT
The display unit 5 displays the message ``Currently processing the computer. Please wait for a while.''('5T42).

In addition, the main control unit 11 sends and receives one character number for upsetting, prints the result on the journal paper 59 using the printing device 76 of the passbook print unit 13, and prints the result on the transfer card 10 accepted by the passbook print unit 13. The bankbook is returned to the transfer card insertion lower part.At this time, the main control unit 11 causes the CRT display unit 5 to display "Please receive the transfer card" (Si43). Then, the transfer card receiving process (described later)
When proceeding to step Si44) and finishing with the collection of the transfer card 10, kJ When the eel payment processing is finished and the receipt of the transfer card number 0 is finished, the main control unit 11dCRT display unit 5 will display the message “Please receive the card and receipt”. Display (8T)
45). Next, the user receives the customer's Qma card and receipt, and ends the transfer process (Si46).

On the other hand, press down on the part that says "cash" on Stetsuno 3 (sr4y). At this point, the main control unit 1 determines that a cash transfer is to be made, and displays ``Please press the transfer amount'' on the CRT display section 5, along with a numeric keypad and an amount key (Si20). Next, the customer follows the instructions and inserts the amount to be transferred (S, T 49
). With this input, the main control unit 1 is switched to the CRT display unit 5.
``To specify the destination, press the specified key, and if using a transfer card, insert it into the transfer card slot,'' and display the specified key (sT5o). Then, the customer inserts the specified key according to the instructions (ST5z). When the main control unit 11 determines that this conversion 7 piki is to be input, CIζ′r & display unit 5
to display [Press the financial institution in sending section 5] and display the financial institution selection key.
QTS Ri) and 77-1 'Ji' r chisel Iy
l,h 7fil QlffCustomers push financial institutions down (ST5J). This pressing down causes the main control unit J1 to
If the branch name is -i town, the CRT display section 26 displays the branch name selection key "Press destination branch name" (sr5a). Next, the customer presses the branch name selection key according to the instructions (S
i55). By pressing this button, the main control unit 11 causes the CRT display unit 5 to display the message ``Please enter the destination account number and deposit type,'' as well as display the numeric keypad, correction key, li1 key, and current account key (Si20). Following the instructions, customers enter their account number and deposit type (
8cho57). If the main control unit 11 determines that the recipient is not the main branch after this input, it displays "Please press recipient name" on the CRT display unit 5, as well as a katakana key, a correction key, and a completion key (8; T5B ).

Then, when the completion key is pressed (ST sy
), or the main control vI! If it is determined that 11 is the main branch, the main control unit 1 causes the CRT display unit 5 to display ``Ia+Takotori to ν21'' as well as katakana and a completion key (Sr60).Following this guidance, (Press the client name and the light R key (Sr1)).By pressing the completion key, the main control unit 11 displays "Please give the client's phone number" and also displays a numeric keypad and a completion key. (Sr62). Based on this guidance, the customer presses the phone number and completion key (Sr63)
.

When the completion key is pressed, the main control unit 1 causes the CRT display unit 5 to display the message ``The computer is currently processing, please wait for a while'' (Sr64). The main control unit 1 also sends and receives inquiry messages, and causes the results to be printed on journal paper 59. Next, the main control unit 11 displays “Please confirm the details of the transfer” on the CRT display unit 5.
is displayed, along with the details of the transfer, a confirmation key, and a cancellation key (8T65). Following this guidance, the customer inserts the confirmation key, 11y, and erase key (Sr66). When the main control unit 11 determines that the cancellation key has been inserted, it performs a cancellation process, and when the main control unit 11 determines that the confirmation key has been inserted, the CRT and receiving unit 5 displays the message ``Insert banknotes and coins into their respective slots.'' If you agree, please press the confirmation key.'' and a confirmation key and a cancellation key are displayed (Sr67). Following this guide, the customer inserts the banknote into the banknote insertion slot 3,
Insert the coin into the coin slot 8 (Sr68). Then,
The banknotes are received by the deposit/withdrawal unit 14, inspected and counted,
The coins are received and deposited into the coin deposit/withdrawal unit 15, and are inspected and counted. When the chain wheel counting is completed, the main control unit 11
causes the CRT display section 5 to display the input amount on the display in step 67 (Si20). In response to this guidance, the customer inserts the confirmation key or cancellation key (STyo). Then, when the main control unit 1 determines that the cancellation key has been pressed, cancellation processing is performed. Further, when the main control unit 1 determines that the confirmation key should be input, it displays on the CRT display unit 5 the message ``The computer is currently processing, please wait for a while'' (SrF2). Further, the main control unit 11 transmits and receives the message containing the message, and prints the result on the journal paper 59 using the printing device @76. In response to the completion of printing, the main control unit 11 compares the transferred amount with the withdrawn amount and the inputted amount to determine whether there is change or not.
f. When the main control opening 1 opens with change, the CRT display 5 displays the message ``Please receive coins and coins from their respective receiving slots.''
Display the ladle and remaining balance (Sr72). At this time, the main controller 1 part II operates the deposit/withdrawal unit 14 to release change bills into the bill insertion slot 3, and causes the coin deposit/withdrawal unit 15
is activated to eject change coins into the coin receiving slot 9. The customer receives change due to this release (ST 7
J). When the receipt of change is completed, or when the main control section 11 determines that there is no change, the transfer card error process (ST73') to be described later is performed. Do you need it?”
is displayed, and necessary keys and unnecessary keys are also displayed (Sr74). Following this guidance, the customer presses the mandatory key (SrF2). Then, the main control unit 1 prints all 1. ]! 11 institution name, branch name 1 locus number.

Item 1 The account name, the client's name and telephone number are printed and recorded on the magnetic stripe 32 as shown in Figure 4. Part 1) is the CRT display part 5
to display "Please receive your transfer card" (
ST'76,).

Then, the process proceeds to the transfer card receiving process (SrF2), which will be described later, and if the process ends with the collection of the transfer card 10, the transfer process f!
I! When the transfer card 1-0 has been received υ, or when an unnecessary key is pressed in step 25 (STys), the main control section 1 displays the CRT display section 5.
``Please receive your card and receipt'' is displayed (8T7!?).

Next, the original customer receives the card and receipt and completes the transfer process (Sr8(+)).

Also, according to the instructions displayed on ST 50, when the usage g is inserted into the transfer card insertion lower of the transfer car pro passbook (ST8)), the 1 transfer card IO is inserted into the passbook glint section I3. Accepted. As a result, the main 11jlJ
The control section II performs transfer card processing (ST8/'), which will be described later. Through this process, it is determined whether the read data is abnormal, that is, an error. If there is an error, the process proceeds to the steno 5I, and if it is normal, the process proceeds to the strike f section 32.
The front gate code, the first letter of the financial institution name and its code, the first letter of the branch name and its code.

Account number 2 Locus category code, client's name, telephone U'i
number, expiration date of the transfer card, and number of uses are output to the reading main control unit 11. As a result, the CRT display section 5 of the main control section II11 displays "Currently processing the computer. Please wait for a while" (Si82).

In addition, the main control unit 11 sends and receives short inquiries 41, and as a result,
is printed on the journal paper 59. Next, the main control unit 11 causes the CRT display unit 5 to display the message ``Please confirm the details of the transfer'', as well as display the transfer details, a confirmation key, and a cancellation key (Si83). Following this guidance, the customer inserts the confirmation key or cancellation key (Si84).

When the main control unit 11 determines to input the cancellation key, it performs cancellation processing, and when it determines to input the confirmation key,
The CRT display section 5 displays "Please put banknotes and coins into their respective slots. If you agree, please press the confirmation key" and also displays a confirmation key, a cancellation key, and - (Si20). Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (Si86). Then, the banknote was accepted by person 22 and 14! After being counted, the coins are accepted into the coin depositing and dispensing unit 15 and are inspected and counted. When the above-mentioned inspection counting is completed, the main control unit 11 causes the CRT display unit 5 to display the input amount on the display in step 85 (Si8
7). In response to this guidance, the discussion customer inserts a confirmation key or a cancellation key (Si20). Then, when the main control unit 11 determines that the cancellation key has been input, it performs cancellation processing. In addition, when the main control unit 11 turns off the input of the confirmation key F4J,
1-The computer is currently processing the computer. Please wait for a while.'' is displayed on the CRT display unit 5 (8T89
).

The main control unit 11 also sends and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Upon completion of this printing, the main control unit 11 determines whether or not there is change by comparing the transferred amount with the withdrawn amount or input amount. Then, when the main control unit 11 determines that there is change, the CRT display unit 5 displays [Banknotes].

``Please accept coins from each receiving slot'' and the amount of change will be displayed (Si90)
. At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to release change 'Jt445*VIY into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to release change coins into the coin receiving slot 9. . As a result of this release, the customer receives change (Si91). When the receipt of change is completed, or when the main control unit 11 determines that there is no change, the main control unit 11 causes the CR7 display unit 6 to display the message ``Receive the transfer card'' (Si92). Then, the process proceeds to the transfer card receiving process (ST9.9), which will be described later. If the transfer process ends with the collection of the transfer card 1o, the transfer process ends, and when the transfer card 10 is finished receiving, the main control unit 11 controls the CRT Display section 5 displays "Please receive card and receipt" (Si94). Next, the customer receives the card and receipt, and ends the transfer process (ST!75).

If you use a transfer card as described above, the same
When making regular transfers to a recipient, operations other than the second and subsequent transfer amounts or cash input can be omitted. As a result, it is possible to improve customer service and increase the number of cases processed by significantly shortening operation time.

In the transfer card error processing, as shown in the flowchart shown in FIG. 9, the main control unit 11 determines whether or not a transfer card error 7 lag is set in the internal memory (not shown) (ST10). Then, when the main control section 11 determines that the flag is not set, it proceeds to the next step 25.
When it is determined that the flag is set, the collection is terminated due to the failure of reading 1J of Akagomi cart number 0, and the collection is made to the collection box 68 (ST102), and then step 25
Proceed to.

In addition, the above-mentioned transfer card error processing is shown in FIG. 10. As shown in flowchart 1, the main control unit 11 sets a transfer card error flag in the internal memory (not shown).
Determine whether it is a tongue or a tongue (sTto,, q). and,
When the monarchy side 1 part 1 determines that the flag is not set, it ends the process, and the next Stella 7', ? 5
and when it determines that the flag is set, I
The message ``Is the transfer information the same as the previous transfer information?'' is displayed on the T display section 5, and the ``same'' key and ``different'' key are displayed (8T to 4). Following this guidance, the customer presses the "same" key or the "different" key (BTtos). When the main control unit 11 determines that the "same" key has been pressed, it reloads the same transfer data into the magnetic strino of the transfer card IO (ST106), and proceeds to step 27. : When the "No" key is pressed 14, it is determined that the transfer car 110 is unreadable and should be collected, and the JJ stacking box 68 is used for collection (ST107), after which the process proceeds to step 25.

The above-mentioned one-time card receiving process is as shown in the flowchart shown in FIG. That is, the main control unit 11 sets a timer (not shown) to N seconds (ST 5TI11) and determines whether or not the transfer card 10 has been removed (ST
112). Then, the timer of the main control unit 1 is set to N/2.
When the second has not been reached (ST113), use the sound p certain internal unit Noah to generate a voice guidance saying "Please take the card. If you do not take the card, we will collect it" (STII4) .

When the main control unit 11 determines that the transfer card 10 should be removed (ST112), if voice guidance is being provided, the guidance is stopped (ST115) and the process ends. Furthermore, when the time reaches N/2 seconds in step l13, the main control unit 1 determines whether the timer has timed out or not.5T116
), if it is not a timeout, the process returns to step 112; if it is a timeout, it is determined that the transfer card 10 has been forgotten,
Collect it in the collection box 6H (ST777).

At this time, the main side sU section 111rJ card and receipt are also collected (S1118), and their collection is printed on the journal 1 company 59 (ST179), and the process ends. This printed content may include, for example, whether there is a transfer card or not.
The presence or absence of a card or the presence or absence of each card.

This includes the amount of cash, etc.

The i-include card processing () is as shown in the flowchart shown in FIG. That is, the main control unit 1 clears a transfer card error flag in an internal memory (not shown) (STI21) and sets r n J in the retry counter (STI22).

Next, the magnetic stripe 32 of the transfer card 10 is read by the magnetic head 50 (STtz, q).

The main control unit II checks whether this data is hidden or not (ST124). If this read data is incorrect, main control section II increments the content of the retry counter to 1-1 (ST125).

At this time, the main control unit 11 intermittently checks whether the content of the retry counter is "0" (5T126), and if it is "0", returns to step 123, and if it is "0", sets a transfer card error flag (5T126). ST126).

Furthermore, if the read data is correct in step 124, the main control unit 1 increments the usage count data in the read data by "+1", and checks whether the usage count has exceeded by checking whether the data has reached a predetermined number of times.5T127 ), check whether the expiration date has expired (5T128), and check whether it is within one month before the expiration date (ST129). Then, the main control section 1
When it is determined that the card has been used too many times, has expired, or is less than one month before the expiry date, the CRT display unit 5 will display the message "The transfer card is being reissued because the number of uses has been exceeded or the card has expired. Please wait for a while." S
TZ, vo).

Further, the main control unit 11 uses the print head 56 to print "Deadline - Collection" on the above-mentioned "touch card (old ticket)" as shown in FIG. 13 (ST13)).

This printing is done in red and enlarged letters to make it easier for staff and customers to understand. Next, the main control section 11
is a complete collection of transfer cards (old tickets) with i'J printed on them 4 charges 68
(8T132).

Then, the main control unit 11 uses the passbook printing unit 13 to input the name of the financial institution and branch name of the destination of the transfer as transfer information.

Insert a new transfer card 10, as shown in FIG. Issue (ST 7.9)
,? , r 34).

That is, the transfer card 10 is taken out from the storage section 69 by the take-out roller 70 and sent along the conveyance path 44 in both directions of arrow a. Then, when the rear end of the transfer card 10 faces the print head 56, the transfer card 10 is conveyed in the top-printing direction, and transfer information is printed on the front surface 31 by the print head 56 during this conveyance. At the end of this printing, the transfer card IO is conveyed again in the direction of arrow a, and when its magnetic stripe 32 faces the magnetic head 50, its magnetic stripe f, ? The transfer information is recorded in 2, the recorded data is read and checked, and then it is ejected from the insertion lower.

Further, when the main control unit I determines in step 129 that the expiration date is not within one month, the process is terminated.

As mentioned above, the transfer card 1 collected in the collection box 68
If 0 is expired, information to that effect will be printed, and if you forgot to take it, nothing will be printed.

Since there is no such distinction, the distinction can be made.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide a transfer processing method in which the reason for the collected card-like medium can be immediately determined.

[Brief explanation of the drawing]

The drawings are for explaining one embodiment of the present invention, and FIG. 1 is an external perspective view of an automatic transaction device, and FIG. 2 is a CRT.
An example of the display part? Figures 3 and 4 are plan views for explaining the structure of the j-touch card, Figure &χ5 is a diagram for explaining an example of magnetic stripe recording, and Figure 6 is the main part of the Seiden circuit. FIG. 7 is a cross-sectional view showing the structure of the passbook glint part, and FIGS. 8 to 12 are diagrams for explaining the transfer process. 3... Bill insertion slot, 5... CR7 display section, 6...
Card insertion slot, 7...Passbook, transfer card insertion slot, 8
... Coin insertion slot, IO... Transfer card (card-like medium), 1... Main control section, 13... Passbook glint part, 31... Surface of transfer card, 32... Magnetic stripe, 50... magnetic head, 56... print head,
69... Storage section, 70... Take-out roller. Applicant's Representative Patent Attorney Takehiko Suzue Figure 1 Figure 5 Figure 6 Figure 8 (d) Figure 9 Figure 10 Figure 11 Figure 12 M

Claims (1)

[Claims] an accepting means for accepting a card-like medium on which transfer information and expiration date are recorded; a reading means for reading information on the card-like medium accepted by the accepting means; and a transfer process according to the transfer information read by the a-taking means. means and
The processing date is within the expiration date read by the reading means ゛V
Check whether it exists or not, and the result of this check is valid J &
1J11111, a transfer processing method is provided, further comprising means for printing information to the effect that the expiration date has expired on the card-like medium and for collecting the card-like medium.