JPS60138679A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To improve the transaction service by discriminating the transaction information on an inserted recording medium at a discriminating part and selecting a transaction mode operable with the recording medium by a selection means according to the result of said discriminating part in order to cope with the recording medium of for different types of transaction information. CONSTITUTION:The transaction information on a card 1 is read by a card read/ write part 3 of an automatic transaction device, and the read transaction information is applied to a main control part 2 via a card read/write control part 4 and at the same time held temporarily at a card data buffer 5. A discriminating part 7 discriminates the transaction information from the card data of the buffer 5 and the transaction type data of a discrimination data file 6. Then the result of discrimination is applied to the part 4 and a program selecting part 15. This part 15 selects different programs according to the type of the card 1 out of a transaction mode program part 14. This elected program is supplied to the part 4. Then the part 4 carries out the processing in response to the care 1 containing different types of transaction information and improves the transaction service.

Description

Detailed Description of the Invention (a1 Technical Field of the Invention The present invention relates to an automatic transaction device such as an automatic teller machine that is operated by a user to carry out a transaction, and particularly relates to an automatic transaction device such as an automatic teller machine that is operated by a user to carry out a transaction. Regarding automated transaction devices that can perform

(Background of BL technology Recently, it has been used as part of computer banking system.
Automatic deposit machines (Automated deposit machines) are available at counters of financial institutions, etc.
tic Deposit: A D) and automatic deposit payment terminal Nil (Automatic Te1le)
Automatic transaction devices such as rMachine (hereinafter referred to as ATM) are widely used.

These devices allow you to pay cash by inserting a credit card (hereinafter referred to as a card) or a bank passbook, and entering transaction information from the keyboard in response to the guidance displayed on the device display. Transactions such as deposits are carried out.

Due to its convenience, it is used more than once and the number of installed units is also increasing.

Automatic transaction devices and the like installed in each branch of a financial institution are connected via a line to at least one computer center provided in each financial institution to process transactions online. Moreover, online transactions can now be carried out between different financial institutions. Therefore, cards can be used commonly in normal transactions. On the other hand, the number of devices used offline is also increasing.

Further expanded transactions 2, such as automatic transaction devices that have the function of processing various types of transfers, have been put into practical use, such as automatic borrowing and repayment of loans at credit companies and other financial companies, or transfer of repayments from banks, etc. It has also become widely used.

With this expansion of transaction types, it is no longer possible to say that all transactions can be processed in common, and a method to solve this problem is desired.

(CL Conventional technology and problems) Automatic transaction devices, which have been widely used in the past, have recently been made to process various transactions. It has become possible to process automatic borrowing and repayment transfers.

There are different types of borrowing and repayment methods in such devices as follows. In other words, ■ A small loan from a financial company that is repaid in installments over a short period of time (hereinafter referred to as cash advance).

■ Relatively expensive (for example, 50 yen) for customers who have accounts at banks, etc.
(hereinafter referred to as a card loan) where you can freely choose the repayment method.

■A financial company affiliated with a bank makes an advance payment on bank holidays and automatically repays the customer from their bank account in 5 to 7 days (hereinafter referred to as 5 DAYS).

etc., and one or more of these methods are recorded depending on the type of transaction handled by the bank or financial company, or depending on the type of card selected by the customer. For example, the transaction modes that can be handled are limited depending on the type of card, such as cash advance for card A, cash advance for card loan card B, and cash advance, card loan, and 5AYS for card loan card C. And each transaction mode is handled by a different program. These different programs include, for example, methods in which the transaction mode is selected before or after inputting the amount and the number of repayments, and there are also transaction modes in which it is not necessary to input the number of repayments.

Therefore, there is a problem that transactions cannot be performed unless the automatic transaction device is compatible with the type of card.

fd1 Object of the Invention The object of the present invention is to solve the above-mentioned problems, and to provide an automatic transaction device that can perform transactions in different transaction modes using different types of cards.

te1 Structure of the Invention The present invention is an automatic transaction device characterized by comprising a determining section that determines different transaction information of an inserted recording medium, and a selection means that selects a different transaction mode based on the determined result. In this way, the purpose can be achieved.

(f1 Embodiment of the Invention Below, regarding an embodiment of the present invention, AT in the case of online
Taking M as an example, explanation will be given with reference to FIGS. 1 and 2. FIG. 1 is a block diagram of an embodiment of the present invention, and FIG.
The figure is a flowchart of FIG. 1.

In FIG. 1, ■ is a card, 2 is a main control section, 3 is a card read/write section, 4 is a card read/write control section, and 5 is a card read/write control section.
is a card loan no＼・nofa, 6 is a discrimination data file, 7 is a discrimination unit, 8 is a keyboard, 9 is a key manual control unit,
10 is a key cover sofa, 11 is a display, 12 is a display control section, 13 is a display buffer, 14 is a transaction mode program section, 15 is a program selection section, and 16 is a line control section.

On the magnetic stripe 1a of the card 1, data representing a designated transaction mode and data such as the customer's account number are recorded, as described in the conventional example.

The card read/write unit 3 has the function of reading data from the inserted card 1 and writing new transaction data after a transaction.

The card data buffer 5 temporarily holds data read from the card 1 and data written to the card.

The discrimination data table 6 is a file that holds data on transaction types such as cash advance, card loan, 5 DAYS, etc. for each financial institution. The contents of the discrimination data table 6 are updated by a telegram from the center's post computer omitted in N4 when online, or by using a special cart etc. in which updated data is recorded (updated) when offline. be able to.

The discrimination section 7 has a function of comparing the data sent from the card data buffer 5 with the data read from the discrimination data table 6 and sorting out the type of financial institution and transaction mode.

The keyboard 8 is an operation part 8a for manually inputting amount data, etc.
It is provided with a designation button 8b for inputting a transaction type and a selection button 8c for selecting a transaction mode based on the card type.

The key person cover sofa 10 temporarily holds human data inputted from the keyboard 8.

The display 11 displays transaction data input from the keyboard 8 and guidance corresponding to the progress of transaction processing from the device.

The display buffer 12 temporarily holds transaction data and cadence displayed on the display 11.

The transaction mode program section 14 holds programs for each transaction mote depending on the card type.

The program selection section 15 has a function of selecting, from the transaction mode program section 14, a processing program for the transaction mode specified by the signal sent from the determination section 6.

The line control unit (6) is responsible for transmitting and receiving data to and from a post computer (not shown).

With such a configuration and function, the transaction method will be explained with reference to the flowchart in Figure 2. First, the customer selects the transaction type, whether cash withdrawal or repayment, by pressing button 8b.
When the card is designated by , and the card is inserted from an insertion slot (not shown), the card type data is read by the cart read/write unit 3.

The read data is passed through the card data buffer 5 and compared with the data in the discrimination data table 6 in the discrimination section 7, and if it is determined that there is no transaction mote for the corresponding financial institution, it is determined that the transaction is not possible. Cart l is returned. If there is a transaction mode of the corresponding financial institution, the card l can be used, and the signal of the transaction mote specified by the discriminator 7 is sent to the program selection section 15, and the transaction mote program section 14 selects the corresponding transaction mode. A processing program is selected.

Then, a prompt prompting the customer to enter the customer's PIN number is displayed on the 'ζ display 11. When the personal identification number is input, the transaction modes possible with this card 1 are displayed on the display 11 by the transaction mode processing program described above.

Since the cart may have two or more transaction modes depending on its type, the customer selects the desired transaction mode from the displayed transaction modes and presses the selection button 8C.

Then, the transaction mode program unit 14 outputs the operation procedure, which is sequentially displayed on the display 11. Operations such as inputting the customer's amount and number of repayments are performed using the operation button 8a.
1 We carry out the transaction. The operations of the above-mentioned parts are controlled by the main control section 2.

In this way, it is possible to determine the transaction mode of the card that has different transaction information and conduct the transaction using the corresponding program.

In the above example, the transaction mode program 14 and program selection section 15 are provided in the device, but in the case of an online system, the same effect can be obtained even if the transaction mode program 14 and program selection section 15 are provided on the post computer side.

Further, although an example of an online case has been shown, it is of course applicable to an offline case as well.

(G1 As explained in detail about the invention, according to the present invention, it is possible to easily perform transaction selection corresponding to recording media having different transaction information, so that the service can be improved. effective.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing an embodiment according to the present invention, and FIG. 2 is a flowchart of FIG. 1. In the figure, 1 is a card, 2 is a main control unit, 3 is a card read/write unit, 4 is a card read/write control unit, 5 is a card data buffer, 6 is a discrimination data file, 7 is a discrimination unit, 8 is a keyboard, 9 1() is a key manual control unit, 1() is a key manual control unit, 11 is a display, 12 is a display control unit, 13 is a front panel, I4 is a transaction mode program unit, 15 is a program selection unit, and 16 is a line control unit. show. Sheep 1 Town Rule 2 Edict

Claims (1)

[Claims] An automatic transaction device in which a plurality of types of recording media each having different transaction information recorded therein are inserted and a transaction corresponding to the transaction information is executed according to an operation input command, wherein transaction information on the inserted recording medium is inserted. What is claimed is: 1. An automatic transaction device comprising: a determining unit that determines the type of transaction; and a selection device that selects a transaction mode that can be operated on the recording medium based on the determined result.