JPH01180668A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To shorten a transaction time and to improve customer service by providing a retransaction means to accept a pay transaction again from the input of an amount when the inputted amount exceeds a deposit balance. CONSTITUTION:After a deposit account is identified and a customer is certified by the insertion of a card, the input of a personal identification number, etc., the input of the amount of money to be paid is accepted. Whether or not there is the deposit balance more than the amount inputted to the deposit account is judged, when OK to pay a pay action such as the delivery, discharge, etc., of the money is executed. When the pay is not OK, the pay transaction is resumed from the input of the amount of the money to be paid. Thus, the reinsertion of the card, the input of the code number, etc., are omitted, the second pay transaction can be executed and the transaction time can be shortened.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application This invention relates to an automatic transaction processing device for processing withdrawal transactions from a savings account.

(bJPrior art)Automated transaction processing devices that process withdrawal transactions are now in widespread use.This device authenticates the customer by accepting the insertion of a transaction (bank) card and input of a PIN from the customer. This device withdraws the amount withdrawn from the customer's deposit account. When the customer is authenticated and the amount is entered, the device inquires about the customer's deposit account with the center. Withdrawals are permitted if there is a balance of A message indicating that the balance was insufficient was displayed, the card was returned, and the transaction ended without being completed.

(Problem to be solved by the C1 invention) At this time, if the customer attempts to withdraw even a small amount, the customer inserts the card again and manually enters the withdrawal amount within the remaining balance to complete the withdrawal transaction. Customers who have lost money have to perform the withdrawal transaction twice, which makes the operation complicated and takes twice as long as a regular customer.

This has led to problems in that not only customer service is degraded, but also the operating efficiency of the device is reduced. Also, in order to avoid cards being returned due to insufficient funds during withdrawal transactions, some customers check their balance before making a withdrawal transaction, but in this case as well, 2. It took twice as long.

In view of the current situation, this invention provides an automatic transaction processing device that solves the above-mentioned problems by allowing a second withdrawal transaction to be made if there is an insufficient balance after the first withdrawal transaction. The purpose is to provide

(Means for Solving Problem d1) This invention provides an automatic transaction processing device that accepts input of an amount by a customer and processes a withdrawal transaction in which the amount is withdrawn from the customer's deposit account. The present invention is characterized by providing a re-transaction means for manually accepting withdrawal transactions when the deposit balance exceeds the deposit balance.

(81 Effect) The automatic transaction processing device of the present invention normally performs withdrawal transactions in the same way as conventional automatic transaction processing devices. That is, after identifying the deposit account and authenticating the customer by inserting a card or entering a PIN number, , accepts the input of the amount to be withdrawn.Determines whether there is a deposit balance greater than the input amount in the deposit account (normally, this determination is made by the center).If the withdrawal is OK, the cash will be withdrawn. Perform withdrawal operations such as withdrawal.If withdrawal is not possible, restart the withdrawal transaction by entering the amount to be withdrawn.This allows you to make a second withdrawal without having to reinsert the card or enter the PIN number. You can trade gold and shorten your trading time.

(f) Embodiment FIG. 2 is an external view of an ATM (automatic transaction processing device) which is an embodiment of the present invention. The vertical panel surface of the customer service panel is provided with a handling indicator l1 for displaying whether or not a transaction is in progress, a passbook insertion slot 2 into which a bankbook is inserted, and a card insertion slot 3 into which a bank card used for personal withdrawal transactions is inserted. It is being In addition, there are 4 banknote deposit and withdrawal slots on the horizontal panel surface. A CRT5 and a coin deposit/withdrawal lower are provided. A touch panel switch 6 is provided on the surface of the CRT 5 to detect whether or not a finger or the like touches the surface of the CRT 5 and its position. Operation guidance and various keys are displayed on the CRT 5 according to each stage of the transaction, and the touch panel switch 6 detects the depression of any of the keys. A transaction selection key, a numeric keypad, etc. are displayed on the CRT 5.

When performing a withdrawal transaction using this device, the transaction selection key is pressed to select the withdrawal transaction. Next, a bank card is inserted through the card insertion slot 3, and if the user has a passbook, the bankbook is inserted through the passbook insertion slot 2. After this, enter your password using the numeric keypad.

Next, enter the withdrawal amount. The center determines whether there is a balance greater than this amount, and if there is a balance, cash is withdrawn. If the balance is insufficient, that fact is displayed on the CRT 5 along with a ``Continue key'' and ``Cancel key'' (Figure 4 (A)). If the customer wishes to cancel the transaction, the customer presses the cancel key. At this time, the device returns the card and finishes its operation. If you want to perform a withdrawal transaction again within the deposit balance, press the continue key. In this case, the device displays the deposit balance received from the center along with a numeric keypad, and accepts the input of the withdrawal amount again. This makes it possible to redo the withdrawal transaction without returning the card. FIG. 3 is a block diagram of the control unit of the doujin TM. The CPU10, which centrally controls the entire device, has a ROM11 that stores programs, etc.
．． A RAM 12 for storing data and the like is connected thereto, as well as an interface 13 for controlling each operating section. The interface 13 includes a CRT control section 14 that controls the display on the CRT 5. Touch panel switch control unit 1 that controls the detection operation of touch panel switch 6
5. A card reader 16 that reads data on a card inserted from the card insertion slot 2, a passbook/input/output table printer 172 that prints out a bankbook/input/output table, a banknote processing unit 18 that processes banknote deposits and withdrawals, and a coin that processes coin deposits and withdrawals. Processing unit 19. R
A floppy disk device 21 into which a floppy disk 22 containing data and bank amplifier files to be loaded into the AM 12 is inserted is connected to the floppy disk device 21 and a transmission control unit 23 for communicating with the center 24 . A file for each customer is set in the center 24, and this file is referenced and updated based on the message from the ATM.

The withdrawal transaction processing operation of the ATM will be explained with reference to the flowchart of FIG. Accept the selection of transaction type with nl. At this time, a withdrawal transaction is selected. When the transaction card is inserted (n2) and the correct PIN is keyed in (n
3) Transactions become possible. When the withdrawal amount is keyed in at n4, a message containing this amount and card data is sent to the center to inquire whether the withdrawal is possible (n5). The center reads the deposit account of the telegram and determines whether or not there is a balance greater than the withdrawal amount. The center sends a message to the ATM containing information on whether or not the withdrawal is possible and the deposit balance.

The ATM should judge whether or not the withdrawal is possible based on the received message.n6)
If withdrawal is possible, withdraw the cash and (n
l) Create a detailed list (n8). After this, the card is returned (n9), the statement is released (n10), and the transaction is OK.
After confirming that it is (nil), release the cash and (
n 12) Finish the operation.

On the other hand, if the balance in the message from the host is insufficient, that fact and a "continue" key and a "cancel" key are displayed on the CRT 5 (FIG. 4(A): n13). When the "Continue" key is pressed (n14, n15), the deposit balance and amount are displayed on the numeric keypad for manual input (Fig. 4 (B): n16), and the input of the withdrawal amount is accepted again (n16' ) Return to n5. When the cancel key is pressed, a detailed statement indicating that the transaction was not performed is created (n17) and the process proceeds to n9.

n16. n16' corresponds to the re-transaction means of this invention.

(A) Effects of the Invention As described above, according to the automatic transaction processing device of the present invention, even if a withdrawal transaction is unsuccessful due to insufficient balance, it is possible to continue the withdrawal transaction again. Customers who want to make money can do the transaction as is, which shortens the transaction time.In addition, there is no need to check the balance in advance, making the transaction extremely quick. Not only can this save time and contribute to improved customer service, but it can also improve the operating efficiency of the equipment.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the withdrawal transaction processing operation of an ATM that is an embodiment of the present invention, and FIGS.
External view of TM and block diagram of control unit, Figure 4 (A)
, (B) is a diagram showing a display example of the CRT of the same ATM. 50 - Continue key.

Claims (1)

[Claims] (1) In an automatic transaction processing device that accepts an amount input by a customer and processes a withdrawal transaction to withdraw this amount from the customer's deposit account, if the input amount exceeds the deposit balance, the amount An automatic transaction processing device characterized by being provided with a re-transaction means for accepting withdrawal transactions again from input.