JPH0261074B2 - - Google Patents

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to a passbook issuing device that switches and updates the passbook at the same time as the transaction in an automatic transaction device that performs transactions using a passbook with a magnetic stripe or a magnetic card. .

[Conventional technology]

2. Description of the Related Art Conventionally, automatic transaction devices connected to a main controller have been installed in financial institutions, etc., and transactions can be easily carried out using magnetic cards or new passbooks with magnetic stripes. Along with this, passbooks are also being replaced from old passbooks without magnetic stripes to new passbooks with magnetic stripes. When switching between old and new bankbooks or renewing bankbooks with magnetic stripes due to termination, even if a bankbook with no magnetic stripe is inserted into the automatic transaction device, it will be returned as non-conforming. In this case, the customer information and passbook issuance data had to be operated by a writer who wrote them on the magnetic stripe.

FIG. 1 is a schematic explanatory diagram of a conventional example, and shows the procedure for changing an old bankbook to a new bankbook when an automatic transaction device is applied. Now, the procedure is shown by the number in the circle.Customer P brings his old passbook to the counter and proposes a transaction.

Staff A switches from the old passbook to the new passbook and the customer stamps it.

Clerk B inserts a new passbook into writer 1 and sends data to main controller 2 having customer file 3 to issue a passbook issue request.

It receives passbook data (especially magnetic stripe information) from the main controller 2 and records it on the magnetic stripe of the new passbook.

, Staff A hands over a new passbook to customer P (new passbook issued).

Customer P inserts the new bankbook into automatic transaction device 4.

The automatic transaction device 4 sends and receives data on the transaction amount and balance amount to and from the main controller 2 according to the normal procedure, and the data is entered.

Complete the transaction and release a new passbook.

(10) [Problem to be solved by the invention] As described above, in the conventional method, when switching from an old bankbook to a new bankbook, data is written on the blank magnetic stripe of the new bankbook using a separate writer. The procedure was complicated, requiring a lot of customer effort and waiting time, and two staff members were required.

On the other hand, because the contents of the magnetic stripe on the passbook and the magnetic card are the same and they can be used simultaneously, and because the magnetic card can be kept sufficiently confidential by using a password, this magnetic card is used as a new passbook. It is conceivable that it can be used for

An object of the present invention is to provide a passbook issuing device that can issue a new passbook at the same time as a transaction by using a magnetic card without relying on the writer's procedure when changing or updating a passbook using only an automatic transaction device.

[Means for solving problems]

In order to achieve the above object, there is provided a passbook which is connected to a main controller via a line and includes a first memory for reading a magnetic stripe of a passbook having a magnetic stripe on which customer information is written and storing the read information. The magnetic card control unit includes a control unit and a second memory that reads information on a card having a magnetic stripe on which customer information is written and stores the read customer information, and is inserted into each control unit. When the user is confirmed using the passed passbook or magnetic card, the automated teller machine that communicates with the main controller and performs the transaction memorizes the content predetermined and stored on the magnetic stripe of the new passbook with no data entered. means for comparing the contents read from the inserted passbook and stored in the first memory with the contents stored in the third memory, and based on the comparison result of the comparison means. , means for writing the contents of the second memory into the first memory, and when the user is confirmed by the inserted card, the transaction is carried out, and as a result of the comparison by the comparison means, the inserted card is If the passbook is determined to be a new passbook, the contents read from the magnetic stripe of the card and written to the first memory via the second memory are recorded on the magnetic stripe of the new passbook and ejected. That is.

[Effect]

With the above configuration, if the magnetic stripe of the inserted passbook is identified as blank and the user is authenticated using the magnetic card, the contents of the specified magnetic card are magnetically recorded on the magnetic stripe and a new passbook is created. publish. This allows the steps of conventional writers to be omitted.

〔Example〕

FIG. 2 is a schematic explanatory diagram of the present invention. In the figure, the steps corresponding to Figure 1 are indicated by numbers: Customer P brings his old passbook to the counter and proposes a transaction.

Staff A switches from the old passbook to the new passbook, and the customer stamps it.

Automatic transaction device 4 with new passbook and magnetic card
The customer is authenticated using the magnetic card, and the new bankbook is identified as having no data written on the magnetic stripe.

Input data is sent to the main control device 2 to issue a passbook issuance request and a transaction request.

The automatic transaction device 4 obtains the bankbook issuing data and transaction data of the balance from the main control circuit 2, magnetically records the contents of the magnetic card on the magnetic stripe of the new bankbook, and prints and records the bankbook issuing data and transaction data.

A new passbook will be issued and the transaction will be completed.

As described above, whereas in Figure 1, the issuance of a new passbook including the writer procedure and transactions are performed serially, in the present invention, the writer procedure is omitted and the issuance of a new passbook and transactions are performed simultaneously. Because it is done, both the procedure and time are shortened.

FIG. 3 is a flowchart showing the operation of the automatic transaction device of FIG. 2.

In the figure, when a passbook is input into the automatic transaction device 4 in response to a passbook transaction request, it is determined whether or not customer information is blank on the magnetic stripe, and if it is not a new passbook, the process immediately moves to the next step. If so, enter the magnetic card and move on to the next step.

Then, perform a normal transaction by entering the card,
When the transaction is approved, the contents of the magnetic card are magnetically recorded on the magnetic stripe of the passbook, and after the passbook issuance data and transaction data from the main controller 2 are printed, the passbook is released. In this way, the transaction is completed at the same time as the new passbook is issued.

FIG. 4 is an explanatory diagram showing the configuration of an embodiment of the present invention, and shows an example of an automatic transaction device 4 in which a magnetic card and a passbook are used.

In the figure, the device control unit 11 includes a keyboard,
It includes a transaction counter, a calculator, etc., performs deposit and withdrawal processing, and is connected to the main controller 2 shown in FIG. From this, the control system is divided into a magnetic card system and a passbook system, and the magnetic card system controls the card reader/writer 14, imprinter 15, and receipt issuing unit 16 via the card reader, imprinter, and printer control unit 12. The contents of the read magnetic stripe are temporarily stored in the magnetic stripe buffer 13. The bankbook system controls a bankbook magnetic stripe reader/writer 19 and a bankbook printing unit 20 via a bankbook control unit 17, and the contents of the read magnetic stripe are temporarily stored in a magnetic stripe buffer 18. Based on the contents of each magnetic stripe buffer 13, 18, password verification, balance inquiry, transaction amount calculation, etc. are performed. The above is a general configuration of a conventional automated teller machine, which does not accept passbooks without customer information on the magnetic stripe. In the present invention, a new regular passbook with no customer information written on the magnetic stripe is identified and accepted, and transactions can be continued using this passbook. For this reason, a new passbook data memory 21 is provided, and a code is stored in it that includes only the financial institution code and all customer information is set to "0". Write the same code in advance on the magnetic stripe of the new passbook, store it in the magnetic stripe buffer 18 when inserting the new passbook,
By comparing this content with the content of the new passbook data memory 21 in the comparison circuit 22, the blank new passbook is identified and accepted into the device. After that, normal magnetic card transactions are processed using the magnetic card system,
The contents of the magnetic stripe buffer 13 of the magnetic card are transferred to the magnetic stripe buffer 18 of the passbook, and written on the magnetic stripe of the passbook using a passbook system, and the passbook issue data and transaction data are written in the printing part of the passbook.

〔Effect of the invention〕

As explained above, according to the present invention, an automatic transaction device that performs transactions using a passbook or magnetic card with a magnetic stripe is provided with a means for identifying that it is a new passbook. By using the contents of the magnetic stripe of a magnetic card, it is possible to switch, update and issue a new passbook using only an automatic transaction device, and at the same time print the transaction results using the magnetic card to complete the transaction. After that, you can only conduct transactions using your new passbook. In this way, it has a great effect in simplifying the configuration and procedure and shortening the operation time.

[Brief explanation of the drawing]

Fig. 1 is a procedure explanatory diagram of a conventional example, Fig. 2 is a schematic explanatory diagram of the present invention, Fig. 3 is a flowchart of an embodiment of the present invention, and Fig. 4 is an explanatory diagram showing the configuration of an embodiment of the present invention. In the figure, 2 is the main controller, 3 is the customer file, 4 is the automatic transaction device, 11 is the device control unit, 12
13 is a card reader, an imprinter, a printer control unit, 13 and 18 are magnetic stripe buffers, 14 are
is a card reader/writer, 15 is an imprinter,
16 is a receipt issuing unit, 17 is a passbook control unit, 19
2 is a passbook magnetic stripe reader/writer, 20 is a passbook printing section, 21 is a new passbook data memory, and 22 is a comparison circuit.

Claims (1)

[Scope of Claims] 1. A first memory connected to the main control device via a line and configured to read the magnetic stripe of a passbook having a magnetic stripe in which customer information is written and store the read information. It has a passbook control unit, and a magnetic card control unit equipped with a second memory that reads information on a card having a magnetic stripe on which customer information is written and stores the read customer information, and each control unit has a magnetic card control unit. When the user is confirmed by the inserted passbook or magnetic card, the automatic transaction device that communicates with the main control device and performs the transaction will set the content predetermined and stored on the magnetic stripe of the new passbook with no data entered. a third memory for storing; a means for reading from the inserted passbook and comparing the contents stored in the first memory with the contents stored in the third memory; and a comparison result of the comparison means. means for writing the contents of the second memory into the first memory, and when the user is confirmed by the inserted card, the transaction is performed, and as a result of the comparison by the comparison means, the card is inserted. If the passbook is determined to be a new passbook, the contents read from the magnetic stripe of the card and written to the first memory via the second memory are recorded on the magnetic stripe of the new passbook and ejected. Passbook issuing device for automatic transaction device.