JPH04287165A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To execute the transfer processing of public utility charges by inexpensive configuration without enlarging a device. CONSTITUTION:When a transaction possibility discriminating means 17 discriminates a one-time transfer card by comparing a card identification data with the read data of a transfer card, a card fetch control means 18 fetches this card by controlling a card fetch unit 16. When a reuse judging mean discriminates the one-time transfer card, a use disable control means executes a reuse disable processing.

Description

[Detailed description of the invention]

0001

[Field of Industrial Application] The present invention relates to an automatic transaction system consisting of an automatic transaction device installed in a financial institution, etc., and a center connected to the device via a communication line.
In particular, the present invention relates to an automatic transaction system having an automatic transaction device that executes transfer processing using a transfer card.

0002

2. Description of the Related Art Automated transaction devices automatically perform deposit processing, withdrawal processing, etc. according to customer operations, and recently, devices that can perform various types of transfer processing have also been put into practical use. In other words, when an automatic transaction device with a transfer processing function inputs transfer information by a customer, it communicates with the center (host computer, etc.) based on this transfer information and retrieves the transfer destination information stored in the center file. Based on the results of verification, etc., payment processing is prompted and transfer processing is executed.

[0003] Nowadays, payment cards that can be used multiple times have been used to pay rent, loans, etc. in fixed amounts on a regular basis. This transfer card has the customer number and the company name (code) on the magnetic stripe.
, transfer information such as financial institution code and account number is recorded, and when inserted into an automatic transaction device, this transfer information is read and the transfer process is executed, and when the transfer is completed, it is ejected from the device and returned to the customer. . On the other hand, utility charges such as electricity, gas, and water charges, as well as taxes paid to local governments and the national treasury, can be automatically transferred by inserting the sent transfer slip into the automatic transaction device. has been done.

0004

[Problem to be Solved by the Invention] However, when using a transfer slip for transfer processing in an automatic transaction device, it is necessary to use an optical character recognition mechanism, a barcode reading mechanism, an image reading mechanism, etc. in order to correspond to the format of the transfer slip. In addition to all the necessary mechanisms, it is also necessary to have a transport and handling mechanism that can handle many types of transfer slips, a mechanism that cuts and issues the receipt section of various transfer slips, and a mechanism that sorts and stores transfer slips after the transfer process has been completed. It is necessary to further provide a mechanism to do so. Therefore, the automatic transaction device has the drawback of becoming large and very expensive.

[0005] Furthermore, there are several thousand types of transfer slips for utility charges, taxes, etc., and it is practically difficult to develop an automatic transaction device that can utilize all of these transfer slips. It is possible to develop an automatic transaction device that has limited usable transfer slips, but
In this case, the transfer slip must be selected in accordance with the device, resulting in a lower utilization rate. The present invention has been made to solve these problems, and an object of the present invention is to provide an automatic transaction system that can process the transfer of utility charges, taxes, etc. with an inexpensive configuration without increasing the size of the automatic transaction device. It is an object.

[0006]

[Means for Solving the Problems] The automatic transaction system of the present invention focuses on the fact that the transfer amount differs for each transfer process for public utility charges, etc., and provides an automated transaction system that can be used only once for each transfer process. It is unique in that it uses a remittance card. That is, the present invention provides an automatic transaction device that is connected via a communication line to a center that holds remittance information and that executes remittance processing upon insertion of a remittance card, and that provides a one-time remittance card and multiple remittance cards that are used only for one remittance processing. card identification data for determining which one of the multiple transfer cards is used for multiple transfer processing;
an import permission/rejection determination means that compares the read data read from the transfer card and outputs an import command when it is determined that the card is a one-time transfer card; a card import unit for importing the one-time transfer card; This automatic transaction system is characterized in that it is provided with a card capture control means that controls a card capture unit in response to a transfer command and executes a one-time transfer card capture process.

[0007] Another invention provides the automatic transaction device with a card identification device for determining whether the card is a one-time transfer card used for only one transfer process or a multiple-transfer card used for multiple transfer processes. A reusability determination means that compares the data with read data read from the transfer card and outputs a reusability instruction if it is determined to be a one-time transfer card, and executes a process for disabling reuse of the one-time transfer card. An automatic transaction system characterized by being provided with a non-reusable processing means for discharging the waste, and a non-usable control means that receives a non-reusable instruction and controls the non-reusable processing means to execute the non-reusable processing. It is.

[0008]

[Operation] The means for determining whether or not the card can be loaded compares the card identification data with the read data of the transfer card, and determines whether the card is a one-time transfer card or a multiple-transfer card, and when it is determined that the card is a one-time transfer card. Output the import command. The card capture control means controls the card capture unit based on this capture command, and causes the card capture unit to capture the transfer card once. Further, the reusability determination means compares the card identification data with the read data of the transfer card, and outputs a reusability instruction when the card is determined to be a one-time transfer card. The non-use control means controls the non-reusable processing means with this non-reusable instruction, and causes the one-time transfer card to perform non-reusable processing.

[0009]

Embodiments Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a block diagram of an automatic transaction system according to the present invention, and FIG. 2 is a perspective view of an automatic transaction device that constitutes the system. In FIG. 1, 1 indicates an automatic transaction device, and this device 1 is equipped with a main control section 2. The main control section 2 controls the entire device and also controls each section. 3 is a card reader/writer unit, which includes a reading head for reading a customer's PIN number, account number, and other data from the magnetic stripe of a transaction card, including a transfer card, inserted into the card insertion/ejection slot 4 (see Figure 2). It has a card reader section and a card writer section that includes a write head for writing predetermined data onto the magnetic stripe of the transaction card. Reference numeral 5 denotes an embossed reader that optically reads embossed characters, printed characters, etc. on the surface of a transaction card and outputs them as image data. This image data is stored in the memory section of the receipt printer unit 6. The receipt printer unit 6 has foldable receipt paper and auxiliary receipt paper, and has a feeding mechanism for these papers, a print head, a cutter, and the like. Reference numeral 7 denotes a card issuing unit, which has a card storage part in which an unused transfer card is stored, and dispenses the stored card when issuing a multi-time transfer card that is repeatedly used for transfer processing. Reference numerals 8 and 9 are bill depositing and dispensing machines and coin depositing and dispensing machines, which check the denomination, authenticity, count, etc. of bills or coins inserted for transfer processing, etc., and deposit and withdraw change as necessary. The coins are discharged from the opening 10 or the coin deposit/withdrawal opening 11 (see FIG. 2). Reference numeral 12 denotes a card printer, which has a print head that visibly prints predetermined information on the surface of the transaction card. Reference numeral 13 denotes a CRT display, which is used to display instructions and messages necessary for customer operations, and to display deposit and withdrawal amounts. A touch panel 14 is arranged on the CRT display 13. This touch panel 14 is used when a customer inputs a personal identification number, confirmation, etc. with a finger.

The automatic transaction device 1 further includes a memory 15 for card identification data and a card receiving unit 16. The card identification data memory 15 stores data for identifying a single transfer card used for one transfer and a multiple transfer card used for multiple transfers. This card identification data consists of, for example, data on the name of the company that imports the card and data on the name of a company that does not require importing the card. The company name that does not require remittance is handled by the company whose name is written (recorded) on the transfer card multiple times. The card take-in unit 16 is comprised of a card take-in box for taking in a one-time transfer card, a take-in introduction path for introducing the card into the take-in box, and the like.

[0011] The automatic transaction device 1 also includes an acceptance/disapproval determination means 17 and a card acceptance control means 18. The transfer permission/rejection determining means 17 compares the card identification data with the read data read from the transfer card, determines whether the transfer card is a one-time transfer card or a multiple-transfer card, and determines that the transfer card is a one-time transfer card. If so, output command C. That is, in this embodiment, the import permission/impossibility determination means 17 selects company name data in the read data of the transfer card, searches the card identification data memory 15 based on this company name data, and searches the card identification data memory 15 to determine if the same company name is present. It is determined whether the data exists in the company name data to be imported or the company name data that does not need to be imported, and based on this, it is determined whether the transfer card is a one-time transfer card or a multiple-transfer card. When the retrieval control means 18 receives the retrieval command C, it controls the card retrieval unit 16 and causes the card retrieval box to retrieve the transfer card once. In addition, in FIG. 2, 19
is the transaction display section, which includes "transfer/transfer", "deposit",
Displays current business items such as "payment" and "passbook entry". 20 is a passbook insertion/ejection port. 21 is a receipt outlet.

In FIG. 1, a communication control unit 22 connected to a main control unit 2 communicates with a center 24 via a communication line 23.
It is connected to the communication control section 25 of. This communication control section 2
2 and 25 control transmission and reception of communications. A center control section 26 of the center 24 controls each section within the center 24, and is connected to a file control section 27. The file control unit 27 accesses the center file 28 and writes or reads predetermined data. For example, the center file 28 stores the remittance financial institution name (code) and account number for each company name (code) that is the remittance destination, and also stores the customer information for each customer in correspondence with each company name (code). customer number to identify;
Names, addresses, contract terms, billed amounts, corresponding months, etc. are stored.

FIG. 3 shows a one-time transfer card 29 used for one-time transfer. This transfer card 29 is sent to the customer as a transfer card for electricity charges by the transferee (power company) instead of a transfer slip, and has the customer's address and name printed on the front side. Further, a magnetic stripe 30 is provided on the back side of the transfer card 29. The data format recorded on this magnetic stripe 30 is shown in FIG. That is, the first track contains a "start code" indicating the start of reading, and an "ID" for customer identification.
"mark", "Card classification" indicating the transfer card, "Customer number" set by the transferee, "Contract terms" indicating the amperage used etc., "Billed amount" of the electricity consumed, "Expiration date" for which the card can be used. , "Reserve field" for recording the "financial institution code" and "account number" of the transfer destination, other data, etc., "termination code" to indicate the end of reading, and "CRC" for redundancy check are recorded. There is. In addition, the third track includes "starting code", "ID mark", and "card classification".
, customer's "full name", "reserve field", "terminal code"
, "CRC" is recorded.

Next, the operation of the automatic transaction system of the present invention will be explained. First, the main control section 2 of the automatic transaction device 1 controls the CRT display 13 to display a transaction selection display on the display screen. In this display, when the customer selects "Transfer" and presses the touch panel 14, the display shown in FIG. 5(a) is displayed on the CRT display 13. When the customer selects "Electricity" and presses the touch panel 14 in this display, the same figure (
A display to confirm the presence/absence of the transfer card shown in b) is displayed. When the customer selects "Yes" and presses the touch panel 14, the message "Please insert your card" is displayed on the screen of the CRT display 13.

[0015] Accordingly, when a customer inserts the transfer card 29 once into the card insertion/ejection port 4 of the device 1, it is fed into the card running path in the device 1 and conveyed to the card reader/writer unit 3. In the reader/writer unit 3, the data on the magnetic stripe 30 of the one-time transfer card 29, that is, the data on the first track and the third track shown in FIG. 4, is read by the read head of the card reader section. This read data is stored in a memory provided in the reader/writer unit 3, a memory in the main control section 2, or the like.

The main control unit 2 selects the "company name (code)" and "customer number" from the data read from the card 29, and displays "Processing..." on the screen of the CRT display 13, as shown in FIG. 5(c). " is displayed at the same time as the communication control unit 2
Activate 2. The communication control unit 22 activates the communication control unit 25 of the center 24 and sends the message “company name” via the communication line 23.
code)” and “Customer Number” along with the necessary data.

On the center 24 side, the center control section 26
performs controls such as outputting a reception confirmation signal, and performs controls such as outputting a reception confirmation signal.
code)” and “customer number” to the file control unit 27. The file control unit 27 searches the center file 28 based on the "company name (code)", selects the corresponding company, identifies the customer's data section using the "customer number", and identifies the customer's name, address, and billing amount. , monthly transfer data, etc. are read and sent to the communication control unit 25 via the center control unit 26. The communication control unit 25 transfers this transfer data to the communication line 2.
3 to the communication control unit 22 on the automatic transaction device 1 side.

When the main control section 2 takes in the transfer data from the center 24, it compares this transfer data with the read data read from the one-time transfer card 29. If both data match in this comparison, the read data is sent to the CRT display 13. The CRT display 13 edits this read data and displays the customer's "
Display the name, address, transfer amount, and month.

When the customer confirms this display, selects "Confirm" and presses the touch panel 14, a display prompting the customer to insert cash is displayed together with the amount, as shown in FIG. 6(a). When the customer inserts banknotes and coins into the banknote deposit/withdrawal port 10 of the bill deposit/withdrawal machine 8 and the coin deposit/withdrawal port 11 of the coin deposit/withdrawal machine 9 based on this display, the inserted bills, etc. are counted by the main control unit 2, The total amount is sent to the CRT display 13. The CRT display 13 displays the billed amount (transfer amount) and the deposited amount (total amount), as shown in FIG. 6(b). In this embodiment, the billed amount is 5,555 yen and the deposited amount is 5,600 yen, so the change is also calculated and displayed.

[0020] The customer confirms the amount displayed and clicks "
When "Confirm" is selected and the touch panel 14 is pressed, the main control section 2 transmits a payment completion message to the center 24 via the communication control section 22, the communication line 23, and the communication control section 25. Based on this message, the center control unit 26 of the center 24 sends the company name (code) and customer number of the transfer destination, as well as a payment completion notification to the file control unit 27. File control unit 27
As a result, the center file 28 is searched and the transfer account file is updated to indicate that the deposit has been completed. Then, the center control unit 26 transfers the transfer completion message to the communication control unit 25 and the communication line 23.
The information is sent to the automatic transaction device 1 side via.

[0021] Upon receiving the transfer completion message, the main control section 2 outputs a storage command to the banknote depositing and dispensing machine 8 and the coin depositing and dispensing machine 9. The bill deposit and withdrawal machine 8 and the coin deposit and withdrawal machine 9 store the inserted bills and coins in the storage stocker according to this command, and the coin deposit and withdrawal machine 9 counts the change and deposits 50 yen in change into the coin deposit and withdrawal port 11. discharge. On the other hand, CRT display 13
A message prompting the user to receive change is displayed on the screen as shown in FIG. 6(c). The customer takes out change according to this display.

[0022] When the above operations are completed, the import permission/rejection determining means 17 of the main control unit 2 selects company name data from the read data of the transfer card 29, and stores the card identification data memory 15 on the basis of this data. search for. If there is a company name that matches the company name data to be imported in this search,
It is determined that the inserted card is a one-time transfer card 29, and an import command C is output. When the card capture control means 18 receives this command C, it controls the card capture unit 16. The card receiving unit 16 operates the receiving introduction path under this control, and introduces the one-time transfer card 29 into the card receiving box.
take in.

[0023] Also, before the main control unit 2 performs the card loading operation, the print on the surface of the one-time transfer card 29 is read by the emboss reader 5, and this read image data is sent to the receipt printer unit 6. Stored in memory. Therefore, when the transfer process is completed, the receipt printer unit 6 reads the image data from the memory section, supplies the receipt paper to the receipt travel path, and uses the print head to print the customer's name and address on the receipt paper based on the image data. Print it as the addressee. Additionally, other necessary data is printed on the receipt paper. When printing is performed on the receipt paper in this manner, it is conveyed by a predetermined amount, is cut into a predetermined size by a cutter, and is issued as a receipt from the receipt outlet 21. Then, the screen of the CRT display 13 is displayed as shown in FIG. 6(d).
), a message informing that the transfer card has been taken in is displayed along with a message prompting the user to receive a receipt, thereby completing the entire transfer process using the one-time transfer card 29.

On the other hand, when a remittance card that is used repeatedly, such as for rent or loan payments, is inserted into the device 1, the retrieval permission/rejection determination means 17 uses the card identification data and the company read from the card. The card is determined to be a multi-transfer card by comparison with the name of the card. Based on this determination, the main control section 2 controls the card reader/writer unit 3 to eject the transfer card from the card insertion/ejection port 4 multiple times.

[0025] When processing the transfer of rent, etc. without using a transfer card, the customer himself/herself inputs the name and account number of the transfer destination, the customer's name, the transfer amount, etc. based on the instructions and messages displayed on the CRT display 13. In this case, if a request is made to issue a card, the card issuing unit 7 is activated. That is, the card issuing unit 7 dispenses an unused transfer card from the card storage section. This drawn-out transfer card is conveyed to the card printer 12,
Input data is printed on its surface, and then it is transported to the card reader/writer unit 3, where transfer information as shown in FIG. 4 is recorded on the magnetic stripe. Then, this transfer card is issued as a transfer card multiple times from the card insertion/ejection port 4.

In the embodiments described above, the card identification data may be stored in the center file 28 of the center 24 or other storage. In this case, from automatic transaction device 1 to center 2
A transmission request is made to the 4-side and the card identification data is received. Further, the card identification data may be recorded on the magnetic stripe of the transfer card, and in this case, data indicating that the card is a one-time transfer card 29 is recorded in a spare field or the like.

FIG. 7 is a block diagram showing another embodiment of the present invention. In this FIG. 7, the main control unit 2 is reusable.
It includes a rejection determination means 31 and an unavailability control means 32. The reusability determination means 31 reads card identification data from the card identification data memory 15 and compares it with the read data read from the transfer card. That is, for example, if the company name in the read data exists as a company name corresponding to company name data classified as non-reusable in the card identification data, the inserted card will be transferred to the one-time transfer card 29 (
(see FIG. 8), and outputs a non-reusable instruction C1. When the unavailable control means 32 receives this command C1, it controls the card printer 12. In other words, the card printer 12 operates as a non-reusable processing means under this control, and prints "Used" on the surface of the one-time transfer card 29, as shown in FIG.

Then, as shown in FIG. 9, a display is displayed on the screen of the CRT display 13 to prompt the receipt of the transfer card and receipt, and the one-time transfer card 29 is conveyed to the card reader/writer unit 3 and inserted into the card. Outlet 4
(See FIG. 2), the receipt is printed in a predetermined manner by the receipt printer unit 6, and is then discharged from the receipt discharge port 21.

In the embodiment shown in FIG. 7, the card receiving unit 16 (see FIG. 1) is not provided, and the device configuration is simplified accordingly. In addition, even if the one-time transfer card 29 is ejected in the same way as the multiple-transfer card, the word "used" is printed on it, which not only makes it possible to distinguish between the two cards, but also prevents the one-time transfer card 29 from being tampered with. It is possible to prevent their use, and it is also easy to confirm whether or not a transfer has been made.

In the embodiment shown in FIG. 7, the card reader/writer unit 3 is controlled by the unavailable control means 32, and a message such as "used" or "transfer completed" is displayed on the second track of the magnetic stripe 30 of the one-time transfer card 29. data may be recorded, or the transfer information on the magnetic stripe 30 may be erased to make it unusable. In the embodiment of FIG. 7 as well, the card identification data may be set on the center 24 side or on the transfer card.

[0031]

[Effects of the Invention] As explained above, according to the present invention,
The card identification data and the read data of the transfer card are compared to determine whether or not the inserted card is a one-time transfer card, and if this judgment is a one-time transfer card, the card capture unit is controlled to transfer the transfer card. , or make the transfer card non-reusable, so you can process the transfer without using transfer slips, which have many different formats, even for utility charges such as electricity charges, taxes, etc. Can be done. Therefore, it is possible to provide an automatic transaction system in which utility charges and the like can be transferred using an inexpensive and small-sized automatic transaction device. In addition, when importing a one-time transfer card into the device or processing it so that it cannot be reused, it is possible to distinguish it from a multiple-transfer card, prevent tampering of the card, and especially perform a process that prevents it from being reused. In such cases, it is easy to determine whether or not the transfer process has been performed.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of an automated trading system according to the present invention.

FIG. 2 is a perspective view of an automatic transaction device according to the present invention.

FIG. 3 is a front view of the one-time transfer card.

FIG. 4 is a diagram showing a data format of the card shown in FIG. 3;

FIG. 5 is a display screen for explaining the transfer operation of the system of the present invention.

FIG. 6 is a diagram showing another display screen for explaining the transfer operation of the system of the present invention.

FIG. 7 is a block diagram showing another embodiment of the system of the present invention.

FIG. 8 is a diagram illustrating an example of one-time transfer card reuse prohibition processing.

FIG. 9 is a diagram showing a display screen according to the embodiment of FIG. 7;

[Explanation of symbols]

1 Automatic transaction device 2 Main control section 3 Card reader writer unit 12 Card printer 13 CRT display 15 Memory for card identification data 16 Card import unit 17. Means for determining whether import is possible or not 18 Card import control means 24 Center 28 Center file 29 One-time transfer card 30 Magnetic stripe 31. Reusability determination means 32 Unavailability control means

Claims (8)

[Claims] Claim 1. An automated transaction system comprising an automated transaction device that is connected via a communication line to a center that holds transfer destination information and executes transfer processing upon insertion of a transfer card, wherein the automated transaction device Comparing card identification data for determining either a one-time transfer card used only for transfer processing or a multiple-transfer card used for multiple transfer processing with data read from the transfer card,
an import permission/rejection determination unit that outputs an import command when it is determined that the card is a one-time transfer card; a card import unit for importing the one-time deposit card; and a card import unit that receives the import command. an automatic transaction system comprising: a card capture control means for controlling the above-mentioned one-time transfer card capture processing; 2. The automatic transaction system according to claim 1, wherein the card identification data is stored in a memory of the automatic transaction device. 3. The automatic transaction system according to claim 1, wherein the card identification data is stored in the one-time transfer card. 4. The automatic transaction system according to claim 1, wherein the card identification data is held at the center. 5. An automated transaction system comprising an automated transaction device that is connected via a communication line to a center that holds transfer destination information and executes transfer processing upon insertion of a transfer card, wherein the automated transaction device Comparing card identification data for determining either a one-time transfer card used only for transfer processing or a multiple-transfer card used for multiple transfer processing with data read from the transfer card,
reusability/non-reusability determining means for outputting a reusability instruction when the one-time transfer card is determined to be a one-time transfer card; and reusability-impossible processing means for executing a reusability-impossible process and ejecting the one-time transfer card;
An automatic transaction system characterized by comprising: a use prohibition control means that receives the reuse prohibition instruction and controls the reuse prohibition processing means to execute a reuse prohibition process. 6. Claim 5, wherein the card identification data is stored in a memory of the automatic transaction device.
Automated trading system described in. 7. The automatic transaction system according to claim 5, wherein the card identification data is stored in the one-time transfer card. 8. The automatic transaction system according to claim 5, wherein the card identification data is held at the center.