JPH0452758A - Automatic bond transaction device - Google Patents

Abstract

PURPOSE:To attain the automatic and unmanned transactions of bonds by registering the bond information and the user data corresponding to each other at the time of issuing a bond and redeeming the bond when the coincidence is secured at redemption between the corresponding relation between the user data and the collected bond and the registered contents. CONSTITUTION:A user selects his/her desired bond type through a keyboard 12, pays the charge through a teller machine 13, and inputs an optional identification No. through the keyboard 12. Then an issuing machine 15 issues a bond with the data of redemption printed on the bond, and the bond issue No. is read at a bond input/output port 14. The issue No. is registered into a storage 17 together with the data of redumption and the identification No. At the time of redemption the user inserts the bond through the port 14 and inputs the identification No. through the keyboard 12. Thus the corresponding relation of judgement results between the identification No. and the collected bond is compared with the corresponding relation stored in the storage 17. Then the propriety of redumption is decided and the bond transaction is carried out. Thus the automatic and unmanned transaction of bonds are attained.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a bond trading device for banks and the like, and particularly to an automatic bond trading device suitable for automation and unmanned bond trading operations.

[Prior Art] Conventionally, in bond trading operations carried out in banks, etc., a staff member in charge operates a terminal device to issue and redeem bonds. In response, methods have been proposed to streamline and speed up work and improve services.

For example, in the device described in Japanese Patent Application Laid-Open No. 5S-94080, a printing mechanism and a display mechanism are connected by a lead wire, and a staff member operates the printing mechanism to allow the user to print out the amount of securities to be issued. Similarly, the money processing mechanism is also installed at a location away from the printing mechanism, and the amount of money that the user inserts from the slot is counted and stored according to the displayed amount.

In this way, by providing the cash storage mechanism, the clerk does not have to handle cash, so the work can be done quickly and accurately, improving work efficiency.

[Problem to be solved by the invention]

The above-mentioned conventional technology has problems with speed and accuracy because it requires human labor to assess the authenticity of bonds at the time of redemption, confirm the legitimacy of transactions, and procedures associated with bond issuance and redemption. Furthermore, transaction operations are limited to bank business hours, making it difficult to further improve customer service.

The purpose of the present invention is to provide an automatic bond trading device that can eliminate time constraints and prevent fraudulent transactions by improving such problems and making bond trading operations automated and unmanned. It's about doing.

[Means for Solving the Problems] In order to achieve the above object, the automatic bond transaction device of the present invention includes means for appraising and disbursing cash, means for displaying information including guidance, and a means for displaying information including guidance. An operation means for selecting transaction details and inputting user data, a means for appraising, issuing and collecting bonds, and a storage means for registering bond information including bond type, bond number, redemption date, and user data. When issuing a bond, user data arbitrarily set by the user and bond information are associated and registered in the storage means, and when the bond is redeemed,
Automatically perform bond transactions by comparing the correspondence between the user data input by the user and the appraisal results of collected bonds with the correspondence in the storage means and determining whether or not redemption is possible. There are characteristics.

In addition, a means for reading and writing the information recording medium that records and retains the above-mentioned user data is provided, and when determining whether or not a bond can be redeemed at the time of redemption, the information read from the information recording medium is used as user data. There are certain characteristics.

Further, the issuance/collection means is characterized in that a means for printing a designated redemption date on the bond is provided, and the designated redemption date is determined and printed at the time of issuance of the bond.

Further, the storage means is arranged in a host device, the storage means, operation means, display means, issuance/collection means are arranged in a plurality of terminal devices, and the first place device and the terminal devices are connected by a communication system. A feature of this system is that bonds are issued and redeemed at different locations by remotely controlling the terminal device by a host device.

[Operation] In the present invention, when a bond is issued, bond information such as a bond number and user data set by the user are registered in a storage device in association with each other, and at the time of redemption, the user data input by the user is registered in the storage device. The correspondence between the customer data and the appraisal results of collected bonds is
Only authorized users can trade by redeeming the bond if it matches the correspondence registered at the time of issue.

Further, by appraising bonds at the time of transactions, fraudulent transactions using counterfeit bonds can be prevented.

Therefore, bond trading operations can be automated and unmanned, and services can be further improved.

〔Example〕

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

FIG. 1 is a block diagram of an automatic bond transaction device according to a first embodiment of the present invention, and FIG. 2 is a flowchart showing a processing procedure of the automatic bond transaction device according to a first embodiment of the present invention.

In FIG. 1, (a) shows the overall configuration of the device, and (b)
) indicates the structure of the bond inlet/outlet and issuer. Also, 11
1 is composed of a CRT display or the like, and displays operating procedures and instructions to the user; 12 is a keyboard for inputting the type of bond the user wishes to purchase and a code number; 1;
3 is a cash dispenser for inserting cash, withdrawing refunds, appraisal, counting, returning change, etc.; 14 is for issuing and receiving bonds, and appraising the bond type and issue number using an image reader. 14a is an image reader provided at the bond entry/exit 14; 15 is an issuer that prints and issues a redemption date on a designated bond; 15a is a printer provided at the issuer 15;]6 17 is a storage device that stores the issue number, redemption date, password, etc. of issued bonds; 18 has a function of determining the authenticity of bonds, and supervises the operations of each part. It is a control device that controls the

Next, the operation of each part during a transaction will be described using FIG.

First, the user selects a transaction item from the keyboard [200].

If the transaction is an issuance, the user selects the bond type he or she wishes to purchase from the keyboard 12 (201), and the issue amount of the corresponding bond type is displayed on the display 11 (202).

Next, the user inserts the money from the cash machine 13.
03), an appraisal is performed (204). As a result, if it is found to be fraudulent, the money is discharged from the cash teller machine 13 (213).

If it is valid, then the issue amount and input amount are checked (205).

As a result, if the amount invested is less than the issued amount, the user is prompted to make an additional payment. Further, if the input amount is greater than or equal to the issued amount, the difference is calculated and the user then inputs an arbitrary PIN number from the keyboard 12 (207).
A redemption date is printed on the bond issued by the issuer 15 (2
08) and is issued (209).

The issue number of the bond thus issued is read at the bond entrance/exit 14 (210), and the redemption date and password are registered in the memory area of the storage device 17 corresponding to the issue number (21, 1). , is ejected (212). In addition, when there is a difference in amount, the difference is discharged from the cash teller machine 13.

Further, in step 200, if the selected transaction is a redemption, the user may insert the bond from the bondholder exit 14.
14), the issue number is read by the image reader 14a (215), and the storage device 17 corresponding to the issue number is read.
Registration data is read from the memory area (216
).

Next, the inserted bond is examined to determine its authenticity and to see if it has been reported as stolen or lost (217).

As a result, if the bond is determined to be fraudulent, the bond is collected by the collection device 16 (223).

Furthermore, if it is determined that the bond is valid, a redemption date is further checked (2 I 8).

As a result, those bonds whose redemption date has not passed are returned from the bond input/output 014 (224).

In addition, if the redemption date check is passed, the user will:
The password is input from the keyboard 12 (219), and is compared with the registered password read out earlier (220).

If they match, the bond is collected by the collection machine 16 (221), and 8 coins of refund money are collected from the cash teller machine 13 (222).

Further, if they do not match, processing such as collection or return is performed depending on conditions such as the number of re-entrant horns (225).

Note that the redemption date will not be printed on bonds for which the redemption date has been printed. Furthermore, for bonds whose redemption date information is included in the bond issue number, etc., the redemption date is confirmed by appraising the bond issue number.

Next, a second embodiment of the present invention will be described. Fig. 3 is a block diagram of an automatic bond trading system according to a second embodiment of the present invention.

In FIG. 3, 3] is an automatic bond transaction device, 32 is a transmission control device 1 that constitutes a communication system that connects the bond transaction device 31 and the host computer 34, and 33 is a communication control device that also constitutes a communication system; 34 is a host computer located at the center. The host computer 34 is also coupled to another automated bond trading device l (not shown).

This embodiment is a case in which the automatic bond trading device shown in the first embodiment is operated online.

The structure of the automatic bond trading device 31 of this embodiment is almost the same as that of the first embodiment, but the functions of the storage device 17 and control device 18 shown in FIG. 1 are replaced by a computer 34. For example, check the redemption bond (218) in Figure 1.
) and the password check (220) are performed by the host computer 34.

In addition, in the flowchart 1- shown in FIG. 2, the functions that can only be performed by the automatic bond transaction device in step 7 are left as functions of the control device 18 on the bond automatic transaction device side.

In addition, in this embodiment, the examination as to whether or not the bond transaction was legitimately conducted by the user or a person entrusted to the transaction is performed using a user data set arbitrarily by the user, such as a personal identification number, for example. However, instead of using this user data, it is possible to perform S audits of bond transactions using information recording media on which user information is recorded, such as magnetic cards and IC cards issued by banks. can. Furthermore, bond transactions can also be examined by applying fingerprint verification, voiceprint verification, trace identification, stamp 2 verification, and the like.

According to this embodiment, the host computer 34 replaces the functions of the automatic bond transaction device, thereby promoting higher functionality of the automatic bond transaction device. In addition, by going online, we can expect a high effect in preventing fraudulent transactions such as double redemption due to counterfeit bonds. (Effects of Invention C) According to the present invention, administrative procedures such as bond appraisal and redemption date verification, fraud, etc. Since transaction prevention, etc. can be performed without human intervention, bond trading operations can be automated and unmanned, providing convenience to users.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of an automatic bond transaction device according to the first embodiment of the present invention, and FIG. 2 is a flowchart showing the processing procedure of the automatic bond transaction device in the first embodiment of the present invention.・、
FIG. 3 is a block diagram of an automatic bond trading system according to a second embodiment of the present invention. 11: Display, 12: Keyboard 913: Cash teller,
14: Bond entrance/exit, 14a/image reader, 15: Issuer, 15a/printer, 160 collector, 17: Memory I&
18; control device; 3] bond automatic transaction device; 32: transmission control device; 33° communication control device; 34: host computer. Figure (Part 1) (a) Figure (Part 1) Figure (Part 2) (b) 4a Figure (Part 2)

Claims (1)

[Scope of Claims] 1. In a bond trading device equipped with a means for appraising and disbursing cash, a means for displaying information including guidance, and a means for issuing bonds, the user can select the content of the transaction. , and an operating means for inputting user data, a means for appraising and collecting bonds, and a storage means for registering bond information including bond type, bond number, and redemption date and user data. When issuing a bond according to the selected bond type and input amount, the user data arbitrarily set by the user and the bond information of the issued bond are registered in the above storage means in association with each other, and when the bond is redeemed, automatically performs bond transactions by comparing the correspondence between the user data input by the user and the appraisal results of collected bonds with the correspondence registered in the storage means and determining whether or not redemption is possible. An automated bond trading device that performs the following. 2. Provide a reading/writing means for an information recording medium that records and holds the above user data, and when determining whether or not a bond can be redeemed at the time of redemption, the information read from the information recording medium is used as user data. The automatic bond trading device according to claim 1, characterized in that: 3. The automatic bond trading device according to claim 1, wherein the issuing means is provided with means for printing a designated redemption date, and the designated redemption date is determined at the time of bond issuance and printed on the bond. 4. In a bond trading system having a terminal device equipped with means for appraising and disbursing cash, means for displaying information including guidance, and means for issuing bonds,
A communication means connecting a terminal device and a higher-level device is provided, and the terminal device is provided with an operation means for a user to select transaction details and input user data, and a means for collecting bonds. The device includes a means for appraising bonds, the type of bond,
Equipped with a storage means for registering bond information including bond numbers and redemption dates, and user data, a communication means connects multiple terminal devices located at different locations and a host device, and the terminal devices are remotely controlled by the host device. An automatic bond trading system characterized by issuing and redeeming bonds at different locations.