JPS59168595A - Transaction processor - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

Detailed Description of the Invention (a) Technical Field The present invention relates to transaction processing devices such as automatic teller machines, automatic teller machines, and automatic teller machines used in financial institutions such as banks, and particularly relates to transaction processing devices for processing transactions using checks. The present invention relates to a transaction processing device that can perform transactions.

(b) Prior art and its disadvantages Conventional automatic teller machines are configured so that they cannot handle checks, so customers have to go to a counter each time they have a check. The bank had to secure personnel to handle the 5-move transaction.

Therefore, making it possible to freely handle such check transactions using automatic teller machines is extremely important in promoting mechanization and unmanned banking operations.

(C) Purpose of the Invention In view of the above-mentioned circumstances, an object of the present invention is to provide a transaction processing device that can handle transactions by check as well as cash transactions.

(d) Structure and Effects of the Invention To summarize, the present invention includes a check insertion determining means for determining whether or not a check has been inserted into a check insertion section provided in a customer operation section; a check transaction operation procedure notification means for notifying the operation procedure for a check transaction when a transaction is made; a check reading means for reading the contents recorded on the check; and a check transaction based on the amount of the check read in accordance with the customer's check transaction operation. The present invention is characterized by comprising a check transaction processing means for processing the check and for receiving the check.

According to this invention, when a check is inserted, the operation procedure for check transaction is automatically notified to prompt the customer to operate, and the amount recorded on one check according to the check transaction operation operated by the customer. Since it is possible to handle withdrawals, deposits, etc., the transaction processing device can efficiently process check transactions as well as cash transactions, which has the advantage of promoting mechanization and unmanned banking operations.

(Embodiment 81 FIG. 1 is an external view of an automatic teller machine (hereinafter referred to as ATM) to which the transaction processing device of the present invention is applied.

On the upper right side of the vertical plane of the customer operation section of the ATM main body, there is a handling display 12 that indicates whether or not a customer transaction can be handled.
Passbook insertion slot, check insertion slot 3. Card insertion slot 4. A cash receiving slot 5 is provided. The passbook insertion slot 2 is used for inserting and ejecting a passbook. A check is inserted into the check insertion slot 3. A card on which the user's personal code, password, etc. are magnetically recorded is inserted into the card insertion slot 4. The cash receiving slot 5 is used for discharging banknotes during the withdrawal process.

A CRT9'h< covered with a protective glass is provided on the horizontal surface of the customer operation section. CRT 9 Display of operation guidance text and graphics to guide user operations 7 Provided to display functions of operation keys, billed payment amount, and other confirmation displays.

Operation keys 6.7 are provided near the left and right sides of the CRT 9. Operation keys 6.7r; z Used for inputting transaction type designation by the user. The function of each operation key is displayed on the CRT 9 at each processing stage. CR,
On the right side of T9, there is a numeric keypad 8 for inputting the user's personal identification number, store number 2 account number for transfer, amount to be paid, etc. The numeric keypad 8 is used to input the amount to be paid in units of ten thousand, thousand, and yen.

Contains a key. On the left side of the operation key 6 is a bill insertion slot 10 for inserting bills. A bill return slot 11 is provided for returning bills.

In addition, the above passbook insertion slot 2. In the vicinity of each of the check insertion slot 3, the card insertion slot 42, the bill insertion slot 10, and the bill return slot 11, lighting indicators are arranged to prompt the insertion or removal of each medium.

FIG. 2 is a schematic block diagram of the internal configuration of the ATM.

This ATM includes, as an input/output device, a bill dispensing machine 27 that sends bills of the requested amount to the cash receiving slot 5 at the time of cash payment;
A pill checker 28 that determines the authenticity of two types of banknotes inserted into the banknote slot 10; a slip issuing machine 29 that records transaction data such as the transaction type, payment amount, and deposit amount as a bank copy for each transaction process; A card reader 3° reads information magnetically recorded on the card inserted into the card insertion slot 4, prints each transaction data on the passbook, and reads information recorded on the magnetic stripe affixed to the back of the cover of the passbook. A passbook printing machine 31 that writes information on the magnetic stripe, a manual key device 32 that includes an operation key 6゜7 and a numeric keypad 8, a display device 83 that includes a CRT 9, and a passbook printer 31 that writes information on the magnetic stripe. The check reader 34 reads the check that has completed transaction processing.
Check storage unit 3 to be transferred to check safe (not shown) in TM
It is equipped with 5. The check reader 34 optically reads the recorded information recorded on the check, such as the amount, check number, signature, and handling bank name.

The ATM is controlled by a mask slave system, and includes one mask CPU (M-CPU) 20 and a plurality of no-slave CPUs (S-CPU) 21 to 26. Bill ejection machine 27. The bill-checking machine 28 is controlled by the 5-CPUs 21 and 22, the slip issuing machine 29 and the card reader 30 are controlled by the 5-CPU 23, and the passbook printing machine 31 is controlled by the 5-CPU 24. The key human power device 32 and display device 33 are S□CPU2
5 and the check reader 34 and check storage unit 35 are controlled by the 5-cPU 26. M-CPU
Reference numeral 20 is connected to a ROM 38 that stores in advance programs for executing transaction processing such as payments and deposits, and a RAM 39 that stores transaction processing data. Each 5-CP, 0
21 to 26 are connected to a ROM 36 that stores in advance programs for executing transaction processing such as payments and deposits, and a RAM 37 that stores transaction processing data.

When a command is sent from the M-CPU 20 to each of the 3- and CPUs, each 5-CPU executes each input/output device according to the execution program for performing the operation specified by the command in the program stored in the ROM 36. The M-CPU controls the necessary data generated during the execution of this process.
Send to 20. Transaction processing data such as payment deposits is M-'C
The information is transmitted from the PU 20 to a center (not shown) via the transmission control circuit 40, and necessary information is sent from the center to the M-CPU 20 via the transmission control circuit 40.

Next, the general operating procedure of the ATV during check transaction processing will be explained with reference to the flowchart of FIG. 3.

Before the start of a transaction, in step nl (hereinafter, step ni is simply referred to as ni), a message for guiding the designation of the transaction type and the functions of each operation key are displayed on the CRT 9.

The display contents of the CRT 9 at this time are shown in FIG. As shown in the figure, the key position for specifying the transaction type of payment, deposit, and bookkeeping using a passbook is displayed near the operation key 6, and the transaction type of payment, deposit, and balance inquiry using a card. A key position for specifying is displayed near the operation key 7. Further, a key position for specifying a check transaction is displayed below the card transaction display. That is, the key 7a of the operation keys 7 arranged adjacent to the check transaction display position is the check transaction designation key. A message for guiding the user to specify the transaction type may be outputted as a voice using an audio output device. When the check transaction designation key 7a is pressed by the customer, a check insertion indicator provided near the check insertion slot 3 is lit to prompt the customer to insert a check (n2). When the check detection sensor (not shown) provided near the check insertion slot 3 confirms the insertion of the check (n3), the check is conveyed to the check reader 34, where the contents written on the check are read and the authenticity is determined. (n-4)-0 The stamp reader 34 reads the amount, check number, check number, presence or absence of a signature, name of handling bank, etc. from the check.

Once the check has been read (n4), a display prompting the CRT 9 to insert the card and passbook is displayed, and the insertion indicators provided near the passbook insertion slot 2 and card insertion slot 4 are turned on (n5). ). When the bankbook and card are inserted (n6), a message is displayed on the CRT 9 prompting the user to key in the password (n7). Next, the keyed-in PIN number is compared with the PIN number read from the card (118), and if they are scattered, the bankbook, card, and check reading information is sent as a telegram to the center. The amount written on the check is displayed on CR, T9 (n9). Although not shown in this flowchart, if the PIN numbers do not match,
The process ends after waiting for the number of re-keys of the password to reach a predetermined number of times, or ends after a predetermined period of time has elapsed.

When displaying the check pot amount at n9, as shown in FIG. 5, operation key positions for full deposit, full payment, and partial deposit are displayed to prompt selection of transaction procedure (nlo). CRT
Full deposit shown on 9.

Full deposit, full payment, or partial deposit can be specified by selecting and pressing the key of the operation key 7 adjacent to the display position for full payment and partial deposit.

If you press the full amount deposit transaction key (n11), a message prompting you to key in the store number 1 account number of the payment destination will be displayed on the CRT.
Display on '9 (n14). When the store number 2 account number to which the transfer is to be made is entered using the numeric keypad 8, communication is made with the center to confirm the specified account number, and the amount of the check is transferred to the account number (n15). If the transaction is concluded through data transmission with the center (n16), the check is processed (n17). After storing the check, the card and passbook are returned to the card insertion slot 4 and the passbook insertion slot 2 to complete the process (n32). Note that if the result of data transmission with the center is that the transaction is rejected (n16), the transfer process is not performed and the process moves to n29. In other words, the check is not stored, but is returned to the check insertion slot 3, and the card and passbook are returned (n29, n30'), and the display 1 displays that the transaction has been discontinued, and the process ends (n31).

If you select the partial deposit transaction procedure on n12 and press the partial deposit transaction key, a message will be displayed on the CRT9 prompting you to enter the store number 1 account number key and the payment method for the payment amount. (n18). In this case, as in the case of depositing the entire amount, the customer uses the ten keys 8 to input the store number 2 account number and the amount to be deposited. In addition, the bill type for the amount to be partially paid is specified. After completing the partial deposit procedure input operation, communicate with the center, and if the data transmission result indicates that the transaction has been completed, the deposit amount entered by the key from the check amount will be transferred to the specified account number ( n19). Furthermore, the amount to be paid is determined by subtracting the deposited amount from the amount of the check, and bills corresponding to the amount are discharged into the cash receiving slot 5 according to the designated payment method (n20). After confirming that the banknotes have been discharged to the cash receiving slot 5 (n21), the check is stored (n22).
). Next, after confirming that the withdrawn banknotes have been removed (n23
), the card and passbook are returned and the process ends (n32).

In the above partial deposit transaction, if the result of data transmission with the center is a transaction rejection, or if the discharging process of withdrawn banknotes is abnormal (n21), the above-mentioned processes n29 to n31, i.e. checks, cards, etc. The process ends by returning the passbook and indicating that the transaction has been discontinued.

In the following full or partial deposit transactions, you can deposit money into your desired account number in addition to the account number written on your card or passbook, just like regular cash deposit transactions.

If you press the full payment transaction key when selecting the transaction procedure (
nl, 3), a message prompting the user to input the payment method for the payment amount is displayed on the CRT 9 (ri24). by customer,
When the bill type of the bill to be withdrawn is selected and keyed in, communication is carried out with the center, and if the data transmission is successful, the entire amount of the check is discharged to the cash receiving slot 5 in the form of a bill of the specified bill type ( n25). If the discharging process of the withdrawn banknotes is normal (n26), the check receiving process is performed (n27).
). Next, after confirming that the withdrawn banknotes have been removed (n28)
, the card and passbook are returned and the process ends (n32). If there is an abnormality in the discharging process of the disbursed banknotes (n26), the above-mentioned processes n29 to n31 are performed, that is, the 'return of checks, cards, and bankbooks, and the discontinuation of handling are displayed, and the process ends.

As described above, this AT% can handle transactions by check as well as transactions by cash. In addition, this invention can be applied to ATMs that handle financial transaction media such as bills.
It can be applied to

[Brief explanation of drawings]

Figure 1 is an external view of an automatic teller machine to which the transaction processing device of the present invention is applied, Figure 2 is a schematic control block diagram of the automatic teller machine, and Figure 3 is a schematic control block diagram of the automatic teller machine. FIGS. 4 and 5 are flowcharts showing the operating procedure of the small and stamp transaction process, and FIGS. 4 and 5 are diagrams showing the display contents displayed on the cRT 9 of the automatic teller machine in the same check transaction process. 3-check insertion slot, '6, 7-operation keys, 9-CRT. Applicant Tateishi Electric Co., Ltd. Agent Patent Attorney Hisao Komori

Claims (1)

[Claims] (1) In a transaction processing device in which cash is deposited or withdrawn by a customer's operation on a customer operation section, a check insertion determination means for determining whether or not a check is inserted into a check insertion section provided in the customer operation section; A check transaction operation procedure notification means for notifying the operation procedure for a check transaction when a check is inserted into the insertion section, a check reading means for reading the contents recorded on the check, and a check read according to the customer's check transaction operation. A transaction processing device comprising: check transaction processing means for processing a check based on the amount of the check transaction processing means for processing the check at the same time.