JPS6118093A - Transaction processing system - 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: fal Technical Field The present invention relates to a transaction processing system that processes transactions through communication between a terminal such as an ATM or a CD and a center, and particularly relates to a transaction processing system that handles multiple transactions using a plurality of cards.

(b) Prior Art and Its Disadvantages Conventionally, ATMs and CDs are configured to process only one transaction per insertion of one card.

By the way, with the spread of ATMs and CDs, it is not uncommon for one customer to use multiple cards to make multiple transactions, but in this case, it is troublesome for the customer as it is necessary to perform operations for each card. However, there were drawbacks such as a decline in banking services, and a reduction in the efficiency of terminal usage due to longer terminal usage times per person.

(C1 Purpose of the Invention In view of the above-mentioned drawbacks of the conventional art, the purpose of the present invention is to provide a transaction processing system that can perform multiple transactions using a plurality of cards with - number of operations. To summarize, the invention includes a multiple transaction input means for inputting transaction details for each card each time cards having the same account holder and different account numbers are inserted in succession, and a plurality of cards input by the multiple transaction input means. The present invention is characterized in that the terminal is provided with a means for collectively sending the contents of multiple transactions to a center, and the center is provided with a multiple transaction processing means for collectively processing the contents of multiple transactions sent from the terminal.

With the above configuration, according to the present invention, multiple transactions using multiple cards can be performed with -1 operations, thereby reducing the number of operations performed by the customer during multiple transactions and improving the service to the customers. - It is possible to reduce the amount of time each person uses a device and improve the efficiency of device usage.

(ei Embodiment FIG. 2 shows a schematic configuration of a transaction processing system that is an embodiment of the present invention.

The dashed-dotted line indicates the terminal-side ATM.

The ATM is controlled by a microcomputer system consisting of a CPUI, ROM 2, and RAM 3, and the input/output devices include a key input device 4, a display device 5, a card reader 6, a banknote deposit/withdrawal device 7, a statement issuing device 8, and a passbook printing device. A device 9 is provided.

The key input device 4 includes operation keys for specifying transaction type, confirmation, and cancellation, and a numeric keypad for inputting a password. The display device 5 displays, on a CRT (not shown) provided in the customer service department, operation guidance words for guiding the customer's operations, operation key function displays, input amount, and other guidance. The cart reader 6 reads the magnetic stripe information of the inserted card. The bill depositing and dispensing device 7 deposits and withdraws bills, and includes a pill checker that determines the authenticity of inserted bills and reads the denomination. The statement issuing device 8 issues a statement with the details of the transaction printed thereon. A passbook printing device 9 prints transaction data on a passbook.

The CPUI of the above ATM is MODEM 10 and 1.
1 to the center CPU 12. R.O.
M2 stores in advance execution programs for each transaction process.

FIGS. 3(A) and 3(n) show the main part configuration of RAM 3. The area in (A) of the figure is a key input data area. K Write down the PIN number entered using the LSI key.
This area stores the password entered for each car when multiple cards are inserted. M is an area for storing the type of deposit transaction specified by the customer, withdrawal transaction using a single card, or multiple (withdrawal) transaction using multiple cards.

B1 is an area that stores the withdrawal amount specified by the customer for each card inserted in L1, and area B similarly stores the withdrawal amount specified for the i-th card.
has been established &J. The area in (B) of the figure is a card data area. T is an area for storing the number of transactions i corresponding to the number of inserted cards i. C is an area for counting the number of transaction input operations performed in accordance with the number of cards inserted. A1 is an area for storing the account number, PIN, and account name read from the first inserted card, and similarly, the area for storing the account number, PIN, and account name read from the second inserted card. An area Ak is provided in which the account name is written.

FIG. 3(C) shows the main part configuration of the memory 13 of the t;t center. This memory is provided with an account file F for storing and registering account balances for each customer's account number. m
l is an area for storing the number of transactions i received through communication with the ATM. m2 is an area for counting the number of times j of transactions are processed according to the number of cards inserted. MAI,
MA2. Each area MAk of ... is the area Ak of the ATM
The received data is stored. MBI, MB2. Each area MBk stores the received data of the ATM area Bk.

Next, the operation of multiple transaction processing using a plurality of cards will be explained with reference to the flowcharts of FIGS. 1(A) to 1(C).

FIGS. 1(A) and 1(B) show the operation of ATM multiple transaction processing.

First, in step nl (hereinafter, step n+ is simply referred to as ni), as shown in FIG. 4(A), the CRT screen 40 is
A transaction selection screen is displayed prompting the user to select a deposit or withdrawal transaction using a card or a multiple transaction using multiple cards. The customer presses the operation key 41 as instructed on the CR7 screen 40.
Press down to specify any transaction (n2 to n4).

When making a deposit transaction, set the number of transactions i = 0 and proceed to the deposit process (
n4-n6).

When the customer wishes to withdraw money using one card, he or she specifies and inputs a withdrawal transaction (n3). When a withdrawal transaction or multiple transactions is specified, the number of transactions is set to i=1 (nl). Next, guidance prompting the card to be inserted is displayed on the CR7 screen 40 (n8). Read card information from the card's magnetic stripe when the card is inserted (n9.nl
O>.

Ll number and PIN number read from the first card,
The account name is stored in area AI (n10). When the card has been read, a selection screen for selecting whether or not there is a card to be inserted next is displayed on the CR7 screen 40, as shown in FIG. 4(B) (nl1). If there is an inserted card, press the ``Card'' key, otherwise press the ``Confirm'' key. To cancel the transaction, press the ``Cancel'' key. When the "1-Card" key is operated and the next card is inserted, the number of transactions i is increased by 1 and the above card read is performed. When completed, n12-”n14
Proceed to.

At n14, the count value j of area C is set to 1. Next, as shown in FIG. 4(C), the account number and account name of the first inserted card are displayed on the CR7 screen 40, and a guidance prompting the user to enter the password and payment amount is displayed (n15). The customer enters the PIN number and amount while confirming the 1st account number and account name. When the PIN number is entered, it is checked against the PIN number for area A1 (nl-6). If so, the transaction with that card is rejected.The input payment amount is stored in area B1 (n17).Next, the number of input operations in area C is j
and the number of transactions i, and when i=j, the input reception of the password and payment amount is completed (n l 8). j-j
If not, add 1 to the count value j and accept the input of the PIN number and payment amount for the next card (n19
．． n15-n17). After entering the PIN number and payment amount for each card when a plurality of cards are inserted, i=j, and the process proceeds from n18 to n20.

At step n20, the details of transactions for all cards, that is, the number of transactions i, and each data of area Ai and area Bi are transmitted to the center at once.

FIG. 1(C) shows center processing. Center is AT
The transaction number i received from M and each data of area At and area Bi are transferred to area m1. Store in MAi, MBi (n
4. o). At n, 41, it is determined whether the number of transactions i=0. When the number of transactions i=0, it is determined that it is a deposit transaction and the process moves to execution of deposit processing (n51). If the number of transactions is not 1-0, it is determined that it is a withdrawal transaction, and the number of transaction processing times j in area m2 is set to 1 (n42).

In the case of a withdrawal transaction, search account file F, search for the 11th card number of the first card, and read the balance of that account (
n43). Next, subtract the payment amount from the account balance <(n
44). If the balance becomes negative after deducting the payment amount, create a message indicating that the transaction is NG because payment is not possible (n
45. n4.7). If the balance is positive, payment is possible, and the balance result is put into the account with the relevant account number and the balance is updated (n45, n46). When this balance processing is completed, the count value j is incremented by 1, and it is checked whether the count value j matches the number of transactions i (n4.8.n49). The balance processing of the payment based on the search of the account file F is performed for each card, and the process ends when the count value j matches the number of transactions i. Next, a message about the result of the transaction processing is sent to the ATV (n50). The ATM receives transaction details for all cards at once from the center (n21). At 6n22, a guidance prompting the user to remove the card is displayed. Next, the first card inserted is released and the card is waited for the customer to remove the card (n
23). Next, it is determined whether a transaction is established for that card (n24). When the transaction is concluded, the cash/statement slip release screen is displayed as shown in FIG. 4(D), the payment amount and statement slip are released, and the system waits for their extraction (n25.
n26). When the transaction is NG, (n 2'4), N0
The screen is displayed and only the statement slip is released and waiting for collection (n27, n2B). When the customer sampling operation is completed, the number of transactions i is incremented by 1?1 and the process moves to payment for the next cart or transaction NG processing (n 29. n 30)
.

When the number of transactions i=Q and the transactions are completed for all the inserted cards, a completion message is displayed (n31)
. Incidentally, the cash for all cards may be released at the end.

The above n7 to n19 are input to the multiple transaction input means of the present invention, and n2
0 corresponds to means for collectively sending the contents of multiple transactions to the center in the present invention, and n41 to n49 correspond to multiple transaction processing means in the present invention.

With the above operations, customers can perform transactions using multiple cards with just one operation at the ATM, which is very convenient, improves customer service, and improves the efficiency of ATM usage.

[Brief explanation of the drawing]

1A to 1C are flowcharts showing specific operations of multiple transaction processing using a plurality of cards in a transaction processing system according to an embodiment of the present invention, and FIG. 2 is a configuration block diagram of the transaction processing system, Figures 3 (A) to (C) are diagrams showing the memory configuration of the center and ATM of the same transaction processing system, and Figures 4 (A) to (D) are diagrams showing the contents displayed on the CR7 screen of the same ATM. be. 4O-CR7 screen.

Claims (1)

[Claims] (1) In a transaction processing system that processes transactions by communicating with a center by inserting a card into a terminal, each time cards with the same account holder but different account numbers are inserted in succession, the transaction details are entered for each card. A terminal is provided with a multiple transaction input means for inputting multiple transactions, and a means for collectively transmitting the contents of multiple transactions involving multiple cards inputted by the multiple transaction input means to a center, and the contents of multiple transactions sent from the terminal are collectively transmitted to the center. A transaction processing system in which a center is provided with multiple transaction processing means for processing multiple transactions.