JPS5818659B2 - Kirokushiyoruisakuseisouchi - Google Patents

Description

[Detailed Description of the Invention] This invention is a method for creating a slip when a card is inserted into an online automatic teller machine to perform a cash payment transaction, and then the details of this transaction are recorded on a slip and a slip is issued. Regarding the method.

Regarding automatic teller machines, these machines are located at bank branches, department stores, etc., and are connected online to the central computer at the head office.

The payment machine accepts payment transactions by inserting the card and inputting the billing amount, and in the case of online payment machines, the data of the account number recorded on the card and the entered billing amount are input into the center computer, and the transaction is processed by the center computer. accesses the ledger file using the account number, subtracts the invoice amount from the corresponding balance, updates the balance, and authorizes payment.

After the payment is completed, the payment machine records the details of the payment on a photocopy slip, releases one slip to the customer, and saves the other slip for safekeeping.

De If the automatic teller machine is configured like this,
If the 5 drives of the payment system stop during a payment transaction due to a failure in the circuit inside the payment machine or a failure in the line to the center, it becomes unclear whether the stoppage occurred before the transaction was completed or after the transaction was completed. In this case, it is unclear which account number balance in the center's ledger file should be updated or not, and if so, how much should be updated.

Therefore, this invention prints input data for a transaction on the above-mentioned slip in advance, so that even if the i-device goes down after that, the input data remains and backup processing for back-order operations can be performed. The present invention aims to provide a slip creation method for an online automatic teller machine.

In other words, according to the present invention, even if the device goes down during processing, by looking at the pre-printed recorded contents of this slip, the original input data or the data to be determined by processing can be easily restored. In the case of the above-mentioned automatic teller machine, the clerk can hand over a predetermined amount of money to the customer and complete the transaction.

Furthermore, it is possible to easily determine the extent to which transaction processing has been completed based on the degree of completion of pre-printing and post-printing on a slip.

Therefore, in the online case, whether or not the center's ledger file has been updated can be easily determined based on the printing of the slip mentioned above, and the balance of the card or passbook of the automatic teller machine and the balance of the center's ledger file can be easily determined. Even if the device stops driving, matching can be reliably restored.

An embodiment of the present invention having such characteristics will be described in detail with reference to the drawings.

Figure 1 shows a cash machine connected online to a center.

A card reader 1 is controlled by a recording/reproducing circuit 2 to input an account number and a secret number into a reading register 3 from a card inserted by a customer.

The register 3 includes storage sections R1 to R11 and stores the following data.

R1: Account number, card data, R2: Secret number, card data, R3: Valid card, number of verification failures in repeated operations by the customer to verify the secret number, R4: Billed amount, data entered using the numeric keypad, R5 :Password, data entered using the numeric keypad, R6: Dealer code, code indicating the dealer, data set in the register, R7:
Payment machine code, code indicating the payment machine, data set in the register, R8: serial number, data updated and set in the register with serial numbers sent in order of payment, R9: payment amount,
The amount paid by the payment machine is the center human power data, R10:
Date of use, data set in the register on the current day, month and day, R11: New balance, balance after payment, center person data.

The numeric keypad 4 is used to input a personal identification number that proves the identity of the card and the customer and the amount to be paid.

The display device 5 is the memory section R4, R9 of the register 3.

The billing amount, payment amount, new balance data and operating procedures stored in R11 are mainly displayed to the customer.

The payment device 6 releases cash to the customer, and the recorder 7 records the cash at the register 3.
The data stored in the storage units R1 to R11 is recorded and saved on a recording medium such as a punched tape.

The calculation circuit 8 performs calculations such as matching the secret number and the password and calculating the balance.

The slip printing machine consists of digital printing,
Issue a photocopy slip.

Data is printed on the slip in two steps: pre-printing (front printing) and post-printing (post-printing).

Pre-printing is performed by printing the data in the storage sections R1, R4, R6, R8, and R10 of the register 3, that is, the account number, billed amount, dealer code, serial number, and date of use, on the slip A in Figure 2. is printed in the field.

As a result, even if there is a malfunction after pre-printing, there will still be evidence of which account number the customer used and how much was charged.

As shown in FIG. 3, in the post-printing process, the data stored in the storage sections R5, R9, and R11 of the register 3, ie, the password, payment amount, and new balance, are printed on the slip A in the respective print fields.

As is clear from FIGS. 2 and 3, the (payment) billed amount field and the payment amount field are provided adjacent to each other.

The above-mentioned pre-printing and post-printing are performed as follows.

The data signals in the storage sections R1, R4, R6, R8 and R10 of the register 3 are input to the slip printing machine 9 via AND gates 10 to 14, respectively, and the AND gates 10 to 14 are inputted from the step counter 16 of the control circuit 15. gated by the pre-print command signal.

The data signals in the storage units R5, R9, and ROO of the register 3 are input to the slip printing machine 9 via AND gates 17 to 19, respectively, and the AND gates 17 to 18 are gate-controlled by the post print command signal from the step counter 16. be done.

Therefore, when a pre-print command signal is output from step counter 16, AND gates 10-14 are opened to perform pre-printing, and when a post-print command signal is output, AND gates 17-19 are opened to perform post-printing.

The above-mentioned step counter 16 is constituted by a link chain, and the step signals to which the output is sequentially transferred are set corresponding to the steps of the payment operation of the automatic teller machine, and when each operation step is completed, the step end signal is sent to the OR gate 20. The signal is inputted to the step counter 16 via the step counter 16 and is incremented to move the operation steps sequentially.

The transmission interface circuit 21 performs data transmission between the register 3 and the center, and is connected to the central processing unit 24 of the center via a modem 22 and a modem 23 on the center side.

The central processing unit 24 is equipped with well-known arithmetic circuits and control circuits, and checks the size of the billed amount and balance to check whether a transaction is possible or not, and when the transaction is possible, subtracts the billed amount to calculate a new balance. However, this fact itself is well known.

The communication control device 25 controls data input from a large number of automatic teller machines and inputs it to the central processing unit 24, and also controls data output from the central processing unit 24 to send it to the corresponding automatic teller machine. input.

The auxiliary storage device 26 is made up of, for example, a magnetic disk, and deposit balances are recorded in correspondence with account numbers.

Next, the payment operation will be explained with reference to the flowchart shown in FIG.

The automatic teller machine has a step counter 16 of a control circuit 15.
A payment operation is performed by sequentially changing outputs.

The customer is provided with a card on which at least an account number and a secret number are magnetically recorded, and a code (PIN number) corresponding to the secret number to prove the identity of the card and the customer.

is given.

When a customer inserts a card into the card reader 1, the card reader 1 checks the validity of the inserted card to see if it is compatible with this automatic teller machine, and then displays the account number,
Regis reads the secret number.

The data are stored in storage units R1 and R2 of R3.

The customer then enters the PIN number using the numeric keypad 4,
This password is stored in the storage section R5 of the register 3.

The input PIN number and the secret number read from the card are checked by the arithmetic circuit 8, and if the customer and the card do not match, the memory section R of the register 3 is checked.
The user is instructed to re-enter the password while the valid code 3 allows, and if a match is found, the process moves to the next step.

The customer then inputs the desired amount to be billed using the numeric keypad 4, and this billed amount is stored in the storage section R4 of the register 3.

When moving to the next step, a pre-print command signal is output from the step counter 16 of the control circuit 15, and the AND gates 10 to 14 are opened.

For this purpose, the memory portions R1, R4, R6゜R8 of register 3
, R10, that is, account number, billed amount, dealer code, serial number, date of use, is input to the slip printing machine 9, and this printing machine 9 sends it to the central processing unit. The data previously input to slip A is pre-printed as shown in FIG.

1 When moved to the next step, AND gate 10-1
4 is closed, and storage portions R1 and R of register 3 are closed.
The data stored in R4, R6, and R7 are transmitted to the central processing unit of the center via the transmission interface 21.

) The central processing unit 24 withdraws the deposit balance from the ledger file based on the transmitted account number, calculates from this deposit balance whether the billed amount can be paid, and if the payment is possible, the transaction is completed.

At this time, after the deposit balance is deducted by the amount charged,
The updated information is recorded in the auxiliary storage device 26.

The central processing unit 24 sends back data indicating whether payment is possible, such as the payment amount and the updated new balance, to the register 3 via the transmission interface 21, and the register 3 stores this data in storage sections R9 to R11.

In the next step, the cumulative total of the number of transactions and the transaction amount is calculated by the calculation circuit 8, and is recorded and saved in the recorder 7 together with the data stored in the register 3.

When the step is moved to the next step, the step counter 16 of the control circuit 15 outputs a post print command signal, and the AND gates 17 to 19 are opened.

For this purpose, storage portions R5 and R9 of register 3 are used.

The data stored in R11, that is, the password, payment amount, and new balance, is input to the slip printing machine 9, and this printing machine 9 post-prints the input data on slip A as shown in Figure 3. .

Note that since the payment amount in the storage section R9 is the same as the billed amount for R4, the billed amount for R4 may be printed by post as the payment amount.

When the next step is carried out, the card reader 1 updates and records the date of use stored in the storage section R10 of the register 3 on the card, and returns the card to the customer.

The payment device 6 dispenses cash to the customer based on the payment amount stored in the storage section R9 of the register 3, and the slip printing machine 9 issues a slip A on which payment details are printed.

In the next step, the number and amount of successfully traded transactions are totaled by the arithmetic circuit 8 and recorded and stored in the recorder 7.

After that, the register 3 resets the data input from the card and the center, respectively, and stores the data set on the register 3 side in the memory sections R3, R6, and R7.

The data in R8 and R10 are left in the set state, and the serial number in the storage section R8 is incremented by 1 in the arithmetic circuit 8 and stored again.

This completes one step of the payment operation.

Next, we will discuss whether a transaction can be completed if the automatic teller machine stops operating during a payment operation.

Slip A is pre-printed in the step after the invoice amount is entered, and post-printed in the step after the balance is updated in the central processing unit 24 of the center, so it is saved in the automatic teller machine as a backup. By looking at the printed state of the slip A, it is possible to determine whether the transaction can be completed or not.

In other words, if slip A is not printed or pre-printing is finished, it means that the transaction has stopped and the transaction has not been completed, so either try the operation again at the first drive after repair, or use another cash machine. Receive or receive payment at a payment machine.

If slip A has been pre-printed and has been completed, this indicates that the transaction has been accepted, but since it is unclear whether the balance has been updated in the ledger file in the auxiliary storage device 26 of the center, there is no print on the slip. Based on the printed data, it is checked whether the balance of the corresponding account has been updated, and if the balance has not been updated, the balance is updated (this process is performed as a back-order operation).

Furthermore, when the clerk can be called to the terminal's payment machine, the clerk can hand over the pre-printed bill amount to the customer.

If slip A is in the middle of post printing or has already been printed, it means that the transaction has been accepted and the balance update of the center's ledger file has been completed, so the cash that is in the process of being released. It is possible for the staff to pay the customer.

In this way, by checking the printing status of the pre-printing and post-printing of slip A, it can be determined whether the transaction has been completed or not.

As is clear from the above, in this invention, before transmitting the dealer code stored in the storage unit, the account number input by the customer, and the payment request amount to the central processing unit of the center, and the amount to be paid should be printed on the slip.

When the central processing unit replies that payment is possible, the payment amount is printed on the slip and issued to the customer.

Therefore, even if the equipment goes down due to a malfunction such as a line failure with the center, the staff will be able to perform prompt and appropriate maintenance based on whether or not the account number, billed payment amount, and payment amount are printed on the slip, as described above. The above treatment can be done,
There is no need to keep customers waiting for long periods of time.

Furthermore, the need to update the balance in the center's storage device can be immediately determined from the slip, and if necessary, an accurate update can be made using the printed account number and billed amount.

Additionally, customers may accidentally enter a different amount than they expected to pay using the manual key, but in such cases, if only the payment amount is printed on the slip,
Customers may feel anxious or distrustful of payment machines.

However, in this invention, both the invoiced amount and the paid amount are printed on the slip, so the customer sees the invoiced amount and is convinced that his or her manual input was incorrect, which may cause unnecessary trouble. It also disappears.

Even when the customer returns home and notices a discrepancy between the billed amount and the paid amount, if the customer takes the slip to the bank, the dealer can be identified by the printing of the dealer code, so troubleshooting can be done quickly.

Furthermore, in this invention, the billed payment amount field and the payment amount field are provided adjacent to each other on the slip, so customers can see the printed billed amount and payment amount at a glance, making it convenient for them to compare them. There is no risk of mistaking it for transaction data.

[Brief explanation of the drawing]

The drawings show an embodiment of the present invention, in which Fig. 1 is a control circuit block diagram showing the configuration of an automatic teller machine, Fig. 2 is a plan view of a slip showing a pre-printing state, and Fig. 3 is a post-printing diagram. FIG. 4 is a plan view of the slip showing the completed state, and FIG. 4 is a flowchart showing the payment operation. A...Slip, 1...Card League, 3
...Register, 4...Numeric keypad, 9.
・・・・・・Printing machine for slips.

Claims (1)

[Claims] 1. It has a storage device that stores the customer's balance and is connected online to the central processing unit of the center that inspects the acceptability of payments, and transmits the account number and payment request amount input by the customer to the central processing unit, and The cash in the billed amount field is automatically released to the customer in response to a reply indicating payment is possible from the central processing unit that updates the customer's balance in the storage device based on the account number and the billed amount. In addition, in an online automatic teller machine having a printing machine that prints transaction data on a slip and issues it to a customer, the printing machine prints the dealer code stored in the storage unit before transmitting it to the central processing unit. The entered account number and payment amount are printed in advance in the dealer code column, account number column, and payment amount amount column of the slip, and in response to a reply from the central processing unit indicating that payment is possible. A slip creation method for an online automatic teller machine, characterized in that the payment amount is further printed in a payment amount column adjacent to the requested payment amount column of the slip.