JPS5845065B2 - Withdrawal transaction method on online tellers machine - Google Patents

Description

[Detailed Description of the Invention] The present invention provides an online teller's machine in which, after confirming by a center file that withdrawal transactions are possible, inputting a breakdown of the withdrawal amount and counting bills can be performed. This relates to the withdrawal transaction method.

In the current terminal system for financial institutions, an offline teller's machine is placed on the first line and an online processing machine is placed on the second line.

When making a withdrawal, the customer hands the teller a withdrawal slip and passbook, and the teller checks the withdrawal slip and passbook and hands them to the operator who operates the second-line online processing machine.

The second-line operator makes an online withdrawal based on the contents written on the slip, and only when the transaction is completed, takes an authentication print on the slip, prints it on a passbook, and then returns the slip and passbook to the teller.

The first-line teller uses the offline teller's machine to perform operations for cash management based on the returned slip.

After counting the bills, the teller hands over the bankbook and cash to the customer.

The conventional terminal system as described above has a problem in that the burden on the second line operator increases during congestion.

To solve this problem, the Online Terror's Machine was developed.

An online tellers machine is a machine that communicates with a center to perform online transactions and cash management.

When withdrawing money using an online teller's machine, if the center file confirms the transaction after the banknotes are counted, by the time the center notifies you that the transaction has not been completed, the banknotes are already in the bank. It is necessary to return the loaded cash to the cash box.

If such an operation occurs when the counter is crowded, it becomes a major cause of errors.

The present invention is based on the above consideration, and aims to provide a withdrawal transaction method for an online teller's machine that can prevent errors in the online cash management terminal as much as possible.

Therefore, the withdrawal transaction method in the online teller's machine of the present invention includes a human power section, a display section, a cash box into which cash is put in and taken out by an operator, and a processing device that controls the entire device, When a withdrawal transaction is performed in an online teller's machine that processes deposits and withdrawals while communicating with a center device, item information including at least the withdrawal amount is input manually from the input section, and then the item information is input to the center device. transmitted to the device,
When the transaction completion information is received from the center device, information that instructs you to input the breakdown data of the withdrawal amount will be displayed on the display section, and after the breakdown data has been input, you will receive the withdrawal amount. The second processing device controls each part of the device so that the above-mentioned breakdown data is verified.

Hereinafter, the present invention will be explained with reference to the drawings.

FIG. 1 is a diagram showing an example of the system configuration of the online teller's service of the present invention, and FIG. 2 is a flowchart explaining its operation.

In Fig. 1, 1 is a processing unit, 2 is a keyboard, 3 is a display unit, 4 is a printer, 5 is a line adapter, 6 is an input control unit, 7 is a message check unit, 8 is a counter, and 9 is a collation unit. It shows.

In FIG. 1, the block indicated by the dashed dot line indicates the processing device 1, but each block within the dashed dot line 6, 7, 8, 9
represents the functions performed by the processing device 1.

When performing a withdrawal transaction using the online tellers machine shown in FIG. 1, the operator operates keys on the keyboard 2 to input an account number.

Once the account number is entered manually, the online teller's machine is ready for trading.

After inputting the D account number, the operator inputs the fact that it is a withdrawal transaction and the withdrawal amount using the keyboard 2.

The amount entered from the keyboard 2 is recorded on the counter 8.

After inputting the withdrawal amount, the operator presses the transmission key on the keyboard 2.

When the transmission key is pressed, item information such as the LJ account number that has already been input, the fact that it is a withdrawal transaction, and the withdrawal amount is transferred to the line adapter 5, terminal controller (not shown), and line (not shown). ) is transmitted to the center device.

The center device searches the center file based on the transmitted item information, and returns transaction completion information if the transaction is successful, and returns transaction failure information if the transaction is unsuccessful.

The message transmitted from the center device is sent to line adapter 5.
The message is inputted to the message checking unit 7 via.

If the transaction is unsuccessful, the message checking section 7 notifies the display section 3 and the printer 4 of this fact, and displays the message on the display section 3 and the printer 4.
will output an unsuccessful transaction.

When the transaction is concluded, the message check section 7 activates the human control section 6.

When the input control unit 6 is activated by the message check unit 7, a breakdown data witness frame for entering breakdown data of the withdrawal amount is displayed on the display unit 3.

When the breakdown data entry frame is displayed on the display unit 3, the operator takes out cash from the cash box and
While counting bills, the denomination and number of bills are entered manually from the keyboard 2.

The input denomination and number of denominations are displayed at a predetermined position in the breakdown data entry frame.

After the bill counting is completed, when the operator presses the proof key on the keyboard 2, the verification unit 9 checks the amount already entered and the breakdown data, and if the two match, the next Trading becomes possible.

If the two do not match, an error will be displayed.

FIG. 2 is a flowchart 1 for showing the above-described withdrawal transaction operation more clearly.

In FIG. 2, item input means input of account number, withdrawal transaction, withdrawal amount, etc., and breakdown screen display means breakdown data witness frame.

Instead of displaying the breakdown witness frame, it is also possible to display a message instructing breakdown manpower.

Further, as shown in Fig. 2, if the transaction is unsuccessful or the withdrawal amount and the breakdown amount do not match, an error message will be displayed on the display unit 3, but this error message will be displayed when the transaction is unsuccessful or the withdrawal amount does not match the breakdown amount.
When a key (not shown) is pressed, it disappears and the device returns to its defined state.

Since FIG. 2 is believed to be easily understood from the above description, further explanation will be omitted.

As is clear from the above description, according to the present invention, after confirming that the transaction has been completed using the center file, it is possible to instruct the operator to input the breakdown data of the withdrawal amount. There is no need to return the cash placed on the bill tray to the cash box again because the transaction is unsuccessful, thus making it possible to prevent mistakes as much as possible when the counter is crowded.

[Brief explanation of the drawing]

FIG. 1 is a diagram showing an example of the system configuration of the online teller's machine of the present invention, and FIG. 2 is a flowchart explaining its operation. 1... Processing device, 2... Keyboard,
3...Display section, 4...Printer, 5.
...Line adapter, 6...Input control section,
7...Telegram check section, 8...Counter, 9...Verification section.

Claims (1)

[Claims] 1 In an online teller's machine that is equipped with a human power section, a display section, a cash box into which cash is deposited and withdrawn by an operator, and a processing device that controls the entire device, and performs deposit and withdrawal processing while communicating with a central device. When a withdrawal transaction is performed, after item information including at least the withdrawal amount is input from the human resources department, the item information is transmitted to the center device, and when transaction completion information is received from the center device, Information that can instruct that the breakdown data of the above-mentioned withdrawal amount should be entered is displayed on the above-mentioned display section, and after the above-mentioned breakdown data is input, the above-mentioned withdrawal amount and the above-mentioned breakdown data are compared. An online system characterized by a processing device controlling each part of the device.
Withdrawal transaction method at Terror's Machine.