JPH0338619B2 - - Google Patents

Description

[Detailed Description of the Invention] This invention provides deposits,
The present invention relates to a transaction processing device used for transactions such as withdrawals, and having an overaccommodation prohibition mode and a composite transaction mode.

These types of transaction processing devices include those used by tellers and those operated by customers themselves. The teller's transaction processing device allows the teller to key-in the deposit amount written on the deposit slip. In automatic teller machines operated by the customer, the deposit amount is usually the amount of cash inserted into the cash slot.

In deposit transactions using teller transaction processing equipment,
Normally, the customer writes the deposit amount on a deposit slip and hands the deposit amount in cash along with the deposit slip to the teller. The teller looks at the deposit slip and determines the deposit amount (transaction amount)
, and then inserts the cash received from the customer into the slot. At this time, the teller typically checks whether the amount of cash is equal to the transaction amount.
This is because the cash amount may be more or less than the transaction amount due to customer error.
Therefore, if the over-storage prohibition mode is provided and the over-storage prohibition mode is set, even if the teller inserts cash into the slot without checking the cash amount, the amount of cash It is desired to realize a transaction processing device that has a function of immediately returning the excess amount of cash if it exceeds the transaction amount. In this way, even if the teller inserts more cash than the transaction amount into the slot, the excess cash will be returned immediately and the teller will be able to understand the situation immediately. It is possible to prevent erroneous deposits due to mistakes, ensure accurate transactions, and reduce the burden on the teller.

On the other hand, in banks, etc., multiple transactions are carried out, such as one customer withdrawing a required amount of cash from one account and depositing a portion of this cash or an additional amount of cash into another account. There are often requests to do both at once. In such cases, with conventional transaction processing devices, it is necessary to first process a withdrawal (withdrawal) and actually receive the cash, and then perform another transaction process of a deposit (deposit) using this cash. , transaction processing operations were extremely tedious. Therefore, when one customer performs deposit and withdrawal transactions for multiple accounts, these multiple transactions can be processed with one cash injection or one cash withdrawal (such multiple series of transactions can be combined). It is desired to realize a transaction processing device (referred to as "transaction").

However, if an attempt is made to complete cash equivalent to the deposit amount of multiple transactions with one cash injection, the amount of cash inserted may naturally be larger than the amount of one transaction. In this case, if the excessive storage prohibition mode is set, any cash that exceeds the amount of one transaction will be immediately returned, making it completely meaningless.

In view of the above-mentioned circumstances, this invention has both modes, an excessive storage prohibition mode and a composite transaction mode in which a plurality of transactions are continuously performed with one cash injection or cash withdrawal, and it is an object of the present invention to harmonize these two modes. The purpose is to provide a transaction processing device that can perform

Embodiments of the present invention will be described in detail below with reference to the drawings.

FIG. 1 shows the external appearance of the transaction processing device.
This transaction processing device 1 is installed at a cutout part of a counter 2 installed in a bank store or at a counter 2.
or adjacent to the counter 2 on the teller T side. Then, the customer C and the teller T face each other with the transaction processing device 1 in between, and the transaction progresses through mutual operations by both parties. Transaction processing device 1
includes a teller transaction data display 3, a teller keyboard 4, a bankbook insertion slot 5, a slip insertion slot 6, a bill insertion slot 7, a bill return slot 8, a bill discharge slot 9, a coin slot 11, a coin return slot 12, and A coin discharge port 13 is provided. As the display 3, a CRT display, a plasma display, or the like is used.
Since a CRT display device is used in this embodiment, the display device 3 will be abbreviated as CRT hereinafter. In this embodiment, transactions using banknotes and coins are possible.

FIG. 2 shows an outline of the internal configuration of the transaction processing device 1. As shown in FIG. Transaction processing is controlled by a central processing unit (microprocessor, hereinafter referred to as CPU) 10. The CPU 10 includes a PROM 14 that stores the program, and a RAM 15 that stores various transaction data and is provided with a register group to be described later. The CPU 10 has a CRT 3, a keyboard 4,
Bill depositing machine 21, bill dispensing machine 22, coin depositing machine 2
3. It is equipped with a coin dispensing machine 24 and a form printing machine 25 for printing on passbooks and slips. Further, the transaction processing device 1 is provided with a line control device 26, and transaction data is exchanged with the center via the line control device 26. In FIG. 2, the interfaces of each input/output device and the control circuit of the CRT 3 are omitted.

FIG. 3 shows an outline of the banknote deposit machine 21.
The banknote deposit machine 21 has a banknote slot 7 and a banknote slot 7.
A banknote carry-in path 31 for conveying banknotes to the temporary storage mechanism 33 by a feed roller 46, a banknote discrimination device 32 provided on the banknote carry-in path 31 to discriminate the type and authenticity of the banknotes; 32
a temporary storage mechanism 33 that temporarily stores banknotes that are determined to be genuine banknotes, and a deposited banknote storage box 3 that stores the banknotes in the temporary storage mechanism 33 after each process.
4. Banknote return port 8, a first port for transporting banknotes from the temporary storage mechanism 33 to the return port 8 in the event of a failed transaction, etc.
It is comprised of a banknote return path 35 and a second banknote return path 36 for returning banknotes that cannot be distinguished from regular banknotes by the discrimination device 32. Inlet port 7
The return port 8 is provided with shutters 41 and 42, an open/close state detector 43 for the shutters 41 and 42, a bill detector 44, and a bill removal detector 45, respectively. The shutters 41 and 42 are opened and closed automatically and can also be closed manually. Each of the banknote conveyance paths 31, 35, and 36 is constituted by a belt that pinches both sides of the banknote in its longitudinal direction, and a banknote passage detector 47 is provided at an appropriate position. The belt is wrapped around a number of pulleys. By monitoring the time required for a bill to pass between the passage detectors 47 using a timer or the like, it is possible to detect a jam in the bill. A conveyance path switch 48 is provided at a location where the second return path 36 branches from the carry-in path 31.
The second return route 36 joins the first return route 35 midway. The temporary storage mechanism 33 is located below the carry-in path 31 and holds banknotes on a belt hung on a pulley, and includes an arm 49 to prevent banknotes from falling. When returning temporarily stored banknotes, this belt moves with point Q as a fulcrum and pinches the banknotes between it and the belt on the carry-in path 31.
Send out the banknotes. Additionally, in the temporary storage mechanism 33, the central part of the banknote, which is supported by belts on both sides, is pushed down from above to store the banknote in the storage box 33.
4, and a stored banknote detector 51. The maximum number of banknotes (NS) that can be stored in the temporary storage mechanism 33 is, for example,
It is predetermined to be 50 pieces. Banknote storage box 34
is provided with a banknote excess detector 52 that detects when the banknotes in the box 34 have become so large as to overflow. In the configuration shown in FIG. 3, all types of banknotes are stored in the temporary storage mechanism 33, and the storage box 3
However, it is preferable to provide a temporary storage mechanism and storage box for each type of banknote. Furthermore, if necessary, a bill slot and a bill depositing machine may be provided for each type of bill.

FIG. 4 shows an outline of the banknote dispensing machine 22.
The banknote dispensing machine 22 dispenses a designated number of banknotes from each of the banknote storage boxes 61 to 64, each storing a large number of 10,000 yen, 5,000 yen, 1,000 yen, and 500 yen bills. A feeding mechanism 65 for transporting banknotes, and a temporary storage mechanism 6 for temporarily storing the fed bills.
6. A banknote discharge port 9 and a banknote discharge path 67 that collectively sends out temporarily stored banknotes to the discharge port 9.
It consists of Each of the storage boxes 61 to 64 is equipped with a run-out detector 68 that detects when the stored banknotes are running low. The feeding mechanism 65 includes a blank feed detector 7 that detects that the banknotes are not fed.
A two-bill detector 72 is provided that detects when two or more bills are fed out at the same time.
The temporary storage mechanism 66 has almost the same structure as the mechanism 33 shown in FIG. 3, and includes a stored banknote detector 73. The discharge port 9 is provided with a shutter 74, a shutter open/close state detector 75, and a bill removal detector 76. Also in this dispensing machine 22, a banknote passage detector 77 for detecting a jam is installed at an appropriate place on the conveyance path.
is provided. Since the coin depositing machine 23 and the coin dispensing machine 24 have substantially the same configuration, illustration thereof is omitted.

FIG. 5 shows the keyboard 4. Arranged on the left half of the keyboard 4 are transaction setting keys consisting of transaction item keys arranged in two vertical columns and transaction type keys arranged in three vertical columns. These five columns of keys are designated as 1st to 5th digits in order from the right column. Also, add 1 to each of the 9 keys in each row, starting from the bottom.
Assign a code number from ~9. Only one of the nine transaction setting keys for each column is pressed. The set transaction is then represented by a five-digit number. For a column in which all nine keys are not pressed, the number in that column is 0.
Each transaction setting key is provided with an indicator light P. These indicator lights P light up when the corresponding key is pressed and go out when the transaction is completed or another key in each column is pressed.

The right half of the keyboard 4 is provided with numeric keys and function keys including combination, overaccumulation prohibition, cash counting, confirmation, screen request, cash return, change, and completion keys. Numeric keys include 0-9
In addition to the numbers, it includes a 000 key, a dot key, and an enter key for entering thousands. The combination, excessive storage prohibition, and cash counting keys are also provided with indicator lights P, and these indicator lights P turn on when the keys are pressed and go out when they are pressed again. Pressing the key whose indicator light P is on again means resetting the function of that key, as will be described later. Let me briefly explain the functions of some function keys.

Composite key This key is used to perform multiple deposit and withdrawal transactions with one cash injection or cash withdrawal. When the composite key is pressed, all cash input into the deposit machine is accepted except for defective ones, and the amount due is not paid. Then, in the case of a withdrawal transaction, the withdrawal amount is added to the payment balance R (described later), and in the case of a deposit transaction, the deposit amount is subtracted from the payment balance R, and when the composite key is reset, the payment balance R is withdrawn. Released by machine.

Excessive storage prohibition key This key is used to return cash exceeding the deposited amount when the amount of cash exceeds the deposited amount is inserted into the deposit machine during a deposit transaction. If the excessive storage prohibition key is pressed, it waits for the transaction amount to be inputted, and after inputting the transaction amount, it begins to identify and count the cash that has been inserted into the deposit machine, and then checks the cash that has been successfully identified. The cash is temporarily stored as long as it is within the transaction amount, and when it exceeds the transaction amount, the excess cash is returned.

Even if the overaccommodation prohibition key is pressed, if the composite key is pressed, all the correctly classified cash is temporarily stored, and only the poorly classified cash is returned.

Cash Counting Key This key restricts the function of the deposit machine to only identifying and counting cash. When the cash counting key is pressed, the cash inserted into the input slot of the deposit machine is identified and counted, and if it is genuine cash, it is returned to the return slot via the second return path, and only cash that has been misidentified is temporarily stored. store. Additionally, the cumulative total of cash that has been successfully identified is displayed. Finally (after extracting normal cash), the temporarily stored unidentified cash is returned.

FIG. 6 shows the contents of the RAM 15.
The RAM 15 includes an area for storing keyed-in account numbers, bankbook print lines and balances, an area used as a flag for storing pressed transaction setting keys, an area used as a flag for storing pressed function keys, An area (1 is the cursor position) for storing the next line to be input (cursor position) from the 2nd line to the 11th line on the display screen of the CRT 3 (described later), a deposit machine 21, and a dispensing machine 22. An area used as a temporary storage counter for counting the number of banknotes stored in the temporary storage mechanisms 33 and 66, an area for storing each status of the depositing machine 21 and the dispensing machine 22, and an area for normally distinguishing when in cash counting mode. There is an area for storing the accumulated amount of cash, a total area, and an area used as a register group. The register groups include the following: Here, R is an abbreviation for register, and IR indicates an auxiliary register for redo operation.

Transaction Setting R Stores the handle keyed in using the transaction setting key. It is set by pressing the screen request key.

Transaction Setup IR Stores transactions keyed by the Transaction Setup key. It is set every time the transaction setting key is pressed.

Received amount R Stores the amount received from the customer. Every time the cash is recognized by the deposit machine, the amount is added. The contents are cleared after the center communication.

Temporarily stored amount R The deposit machine identifies the amount and stores the temporarily stored amount. Every time the cash is recognized by the deposit machine, the amount is added. Cleared when temporarily stored cash is stored or returned.

Transaction amount R Stores the transaction amount in deposit/withdrawal transactions. It is set when the transaction amount is keyed in by the teller, and cleared after communication with the center.

Change R Stores the amount of change in deposit transactions. It is set by pressing the change key.

Withdrawal Amount R Stores the amount to be paid to the customer. After communication with the center, the change amount for deposit transactions, the transaction amount for payment transactions, etc. are automatically set, and in the case of cancellation transactions, key input data is set.

Withdrawal Amount IR This is a work register to correctly calculate the balance of payment.

Remaining Payment R In a compound transaction, the result of adding and subtracting the transaction amount for each transaction is stored, and the amount of the remaining payment R is paid to the customer at the end of the compound transaction.

Release amount R Memorize the amount to be withdrawn from the withdrawal machine.

Count amount R Stores the amount counted by the dispensing machine. Release amount is 1
If the amount exceeds the amount that can be counted (discharged) at one time, the amount to be counted at one time is set.

Receipt tally R Used to tally the amount of money correctly deposited by the deposit machine.

Discharge tally R Used to tally the amount normally disbursed by the dispensing machine.

The transaction processing procedure of such a transaction processing device is shown in FIGS. 7 to 16. Below is an example of a complex transaction in which one customer withdraws 90,000 yen from a savings account, then cancels a 10,000 yen time deposit (interest is 1,000 yen), and then deposits 110,000 yen into a current account. I will explain about it. In this case, the amount the customer should receive is 90,000 + 10,000 + 1,000 = 100,000 yen, and the amount to be deposited is 110,000 yen, so the customer must deposit 9,000 yen. Therefore, the customer hands over 10,000 yen to the teller and receives 1,000 yen as change at the end of the complex transaction. FIG. 17 shows the contents of each register corresponding to the operations performed by the teller and each processing step in this example. In this figure, the customer may insert and remove banknotes.

The customer shall fill in his or her own account number and name, as well as the deposit amount and payment request amount, on the deposit slip and withdrawal slip for the three transactions mentioned above, and affix his or her seal in the required places to submit these deposit and withdrawal slips. He handed Teller his passbook and 10,000 yen in cash. After checking the seal on the slip and passbook, the teller performs the next transaction process.

Referring to FIG. 7, an initial screen is displayed on the CRT 3 (step (101)). In this example,
Nothing is displayed on the initial screen. The teller first presses a compound key, so steps (102) (103)
The answer is NO, and the answer is YES at step (107). This compound key has not been pressed, so step (108)
If NO, proceed to step (109) and RAM1
Set the composite key flag in the function key flag storage area No. 5. As shown later, when the composite key is pressed again, YES is returned at step (108), and the composite key flag is reset. In FIG. 7, steps (107) to (110) particularly show the process of setting and resetting the composite key.
Exactly the same process is performed for the overaccommodation prohibition and cash counting keys.

The teller then presses the "Normal" and "Withdraw" keys to set up the transaction, so in step (102)
NO, step (103) becomes YES. The normal key is the 5th digit and the code number is 1, and the withdrawal key is the 1st digit.
digit and the code number is 4, so the number representing the set transaction is 10004. This number is set in the trade setting IR (step (104)). Next, the teller presses the screen request key, so the answer is YES in step (102), the contents of the transaction setting IR are transferred to the transaction setting R (step (105)), and the transaction guidance is displayed on the CRT 3.

An example of this trading guidance display is shown in FIG. The first line displays the details of the set transaction. The 2nd to 11th lines are columns for displaying various transaction data, and step (106)
In , only these data items, such as the account number, characters in the passbook line (last printed line or line to be printed) (second line), and [ ] indicating the place where the data is displayed, are displayed, and the data is Not yet displayed. Additionally, a cursor (CU) is displayed in the lower right corner of the item in which data should be entered next. This cursor CU sequentially moves to the location of the next data item to be input each time a data key is input. The 12th line is a message field.

While looking at this display, the teller performs key input operations for data, which will be described later, operations to set slips and bankbooks into the respective insertion slots 6 and 5, and operations to set cash (this operation does not need to be cut at all). Each of these operations may be performed in any order, but the completion key is pressed last. When each operation is completed and the screen request key is not pressed again (step (111)), the process moves to step (112). As will be clear from what will be described later, the screen request key is used as an input for canceling key-input data or resetting each operation. Therefore, if the screen request key has been pressed (step (111) (YES), the operation is redone. The flag that remembers that the screen request key has been pressed again is set as described above.
It is located in the RAM 15, and the contents of this flag are checked in step (111).

In step (112), it is checked whether the transaction is a deposit transaction based on the contents of the transaction setting R, and if it is a deposit, a zero proof check is performed as described later (steps (114) and (115), and the center communication (Step (116)). If the transaction amount is not deposited, check whether the compound key has been pressed (Step (113)). In this example, the compound key has already been pressed, so proceed to Step (113). If the answer is NO in step (113), check whether the content of the received amount R is 0 ((119)), and if it is 0, proceed to center communication, otherwise it will be an error. Since the amount received at the deposit machine is stored in the received amount R, it is generally impossible for the content of the received amount R to be non-zero in a withdrawal transaction.
If the teller initially sets up a deposit transaction and inserts cash, and the deposit machine accepts the cash, but wants to cancel the deposit transaction, the teller must press the Request Screen key to redo the operation, and then press the Return key. Cash received must be returned. When cash is returned (FIG. 9, step (177)), the returned cash amount is subtracted from the content of the received amount R (this process is not shown), so the content of the received amount R becomes 0. However, if the cash return processing is forgotten, the contents of the received amount R will not become 0, and an error will occur in step (119), so the teller will notice this.

The center is provided with a customer-specific information file that stores the account number, name and balance for each customer. When a message containing transaction data is transmitted from the transaction processing device, the center searches the file and checks the existence of an account and other items to determine whether the transaction is possible, such as whether the withdrawal amount is less than the balance. judge. The results are then transmitted to the transaction processing device.

If trading is possible (step (117)
YES), number of transactions, total amount of each transaction, etc.
The data is totaled in the RAM 15 (step (118)), and various processes such as authentication printing on the deposit slip (for example, printing of transaction date, account number, etc.), printing of transaction data on a passbook, and cash payment are performed. After this, unless the transaction is a complex transaction, the teller stores the printed slip as a copy, hands the bankbook and cash to the customer, and completes the transaction. If the transaction is not possible (step (117)
NO) and in the case of an error in step (119), an error message is displayed on the CRT3 (step (120)), and if the confirmation key is pressed (step (121)), the process returns to step (106). ,data·
Key input operations, etc. will be redone. You may return to step (101) from step (121).

Since this example is a compound transaction, no cash is actually released in the cash payment process, as will be shown later.
The teller then proceeds with the term deposit cancellation process.

FIG. 8 shows the details of the data key input process. After displaying the guidance in step (106), the teller performs key input operations for account number, passbook line, and balance. Referring to Figure 8,
Since the cursor CU is displayed at the account number location on the screen of the CRT 3, the teller first enters the account number using the numeric keypad (step (131)). Then, this entered account number will be displayed as [ ]
(Step (132))
The data is stored in the RAM 15 (step (133)).
This data key input moves the cursor CU to the bankbook line, so the teller similarly keys in the bankbook line and then keys in the balance. These data are displayed on the CRT 3 (see FIG. 18) and stored in the RAM 15 (steps (131) to (133) are repeated). If these data are recorded on a magnetic stripe attached to the cover of the passbook, a magnetic stripe reader is placed inside the passbook insertion slot 5 and read by this stripe reader. CRT
It is also possible to display it in 3.

When the above data input is completed, the cursor CU has moved to the transaction amount on the fourth line. In this example, the initial transaction amount is 90,000 yen (withdrawal). The teller then inputs 90,000 yen using the numerical keys (step (131)). Then, this transaction amount will be displayed on the 4th line of CRT3 (step (132) (first
(See Figure 8)). Step (133) for transaction amount
processing is omitted. Next, the teller presses the enter key (step (134)), and the key-input transaction amount is set as the transaction amount R (steps (135) and (136)).

The cursor CU on the CRT3 screen is displayed at the required location on the 5th line when the transaction amount is entered using the keypad.
If required and value date data entry is required, the teller presses the enter key to skip these entries. If the starting date data is not entered, the date on which the transaction is conducted will be treated as the date. In a withdrawal transaction, the received amount on the 6th line, the teller amount on the 7th line, and the change amount on the 8th line are irrelevant. The cursor (CU) moves to the withdrawal amount on the 9th line. In addition, teller storage and teller withdrawal means that the teller directly stores or withdraws cash using his own cash storage box without using a deposit machine or withdrawal machine. When you key in the amount and teller withdrawal amount, these amounts will be displayed on the 7th and 11th lines of the CRT3. However, the explanation is omitted here.

Although the change key is not used for withdrawal transactions, it will be briefly explained. When the change key is pressed (step (137)), if the transaction is a deposit (step (138)) and the transaction amount has already been entered (step 139)), the transaction amount is used to make change. The amount of change is calculated (step (140)) and the calculated change amount is displayed on the 8th line of CRT3 (step (141)).

The transaction type may be reset using the transaction setting key during the data key input operation. This occurs when the type of transaction is changed during the operation. When the transaction is reset (YES in step (142)), the configured transaction is set in the transaction setting IR (step (143)).

When re-entering data or after resetting a transaction (step (142)), the screen request key is pressed (step (144)). In this case, the fact that the screen request key was pressed is stored in the flag of the RAM 15, the transaction amount R and change R are cleared (step (145)), and the contents of the transaction setting IR are transferred to the transaction setting R. Memorize it (step (146)) and display the trading guidance on the CRT3 (step (147)). After this process, YES is returned in step (111), so each operation (at least the data input operation) is redone. Steps (142) to (147) are the same as step (102) above.
~(106) is almost the same process.

The completion key is pressed when all operations are completed (step (148)).

The above is the data key input process. The slip set and passbook set processes are not very important, so they will be discussed last. Since the first transaction is a withdrawal, no cash is set. In FIG. 7, if each process after step (106) is completed and step (111) is NO, steps (112) and (113) are completed.
After that, the process moves to center communication (step (166)), and if the transaction is possible (step (117)), then after step (118), the process proceeds to slip printing, passbook printing, and cash payment processing. The slip printing and bankbook printing processing will be explained last. The procedure for cash payment processing is shown in FIG.

In Figure 11, the content of transaction setting R is withdrawal (NO in step (201), step (202)).
If the transaction amount has already been set (YES in step (208)), the contents of the transaction amount R are transferred to the withdrawal amount IR (step (209)), and the withdrawal amount IR is added to the contents of the payment balance R. Add the contents of and further withdraw the amount R
The remaining payment amount is calculated by subtracting (step (210)). In this example, since the transaction amount is 90,000 yen, the contents of the withdrawal amount IR are also 90,000 yen, and the contents of the remaining payment R and the withdrawal amount R are both 0, so the remaining payment is 90,000 yen. The reason why the content of the withdrawal amount R is subtracted in step (210) is to cope with the correction of the withdrawal amount, which will be described later. After this, the contents of withdrawal amount IR are transferred to withdrawal amount R (step (211), CRT3
It displays that the withdrawal amount is 90,000 yen (line 9) and that the denomination is 9 ten thousand yen bills (line 10) (step (212)) (see Figure 18). When the teller sees this display and presses the confirmation key (NO in step (213), YES in step (214)), he checks whether the content of the remaining payment R is 0 (step (212)).
Since the content of the remaining payment R is 90,000 yen, the answer is NO at step (221). Next, it is checked whether the compound key has been pressed (step (222). Since the compound key has been pressed, step (222) If the result is YES, the process moves to step (226) without performing cash release processing, and the transaction amount R and withdrawal amount R are cleared (step (226)).In this way, if the compound key is pressed, even if the payment is Even if there is a due amount, the cash release process will not be performed.The content of the payment balance R is 0.
In this case (YES in step (221)), since the amount to be paid is 0, the cash release process is naturally not performed. The cash release process will be described later.

In the withdrawal confirmation display at step (212), the teller can correct the withdrawal amount using the numeric keys if the withdrawal amount is different, and can also correct the denomination if necessary (step 212). (213)).
The denomination displayed on the CRT 3 is determined so as to emit the minimum number of banknotes. Therefore, although it is not directly related to this example, if you wish to exchange and release 10,000 yen out of 90,000 yen, you can set the desired denomination using this step (213). can. On the keyboard 4, the denomination setting key is omitted. Key input data using numeric keys is
is displayed on the CRT3 (step (215)), and then when the enter key is pressed (step (219)),
The corrected withdrawal amount is set to the withdrawal amount IR (step (220)). Even if the withdrawal amount is corrected in this way, the remaining payment amount is calculated again in step (210), but at this time, the erroneous withdrawal amount is subtracted from the amount that has already been transferred to withdrawal amount R (step (211)). Therefore, the accurate balance of payment can be calculated.

This completes the first transaction of the composite transaction, that is, the withdrawal process of 90,000 yen from the savings account.

The teller then proceeds to cancel the term deposit. The compound key remains pressed. The teller first sets up a transaction (FIG. 7, step (103)) and presses the screen request key (step (102)). Due to this,
The number representing the set transaction is first displayed in the transaction setting.
It is set in IR (step (104)) and then transferred to transaction setting R (step (105)). The subscription key is on the 5th line and the code number is 4, the cancellation key is on the 3rd digit and the code number is 8, and the withdrawal key is on the 1st digit and the code number is 4, so these numbers represent the set transaction. is 40804.

The teller then performs data key entry and bill and passbook set processing. In the data key entry process (Figure 8), the teller enters the account number and bankbook line, so these data are
Displayed on CRT3. Since it is a periodic cancellation, there is no need to key in the balance and transaction amount. When the teller presses the completion key, the process moves through steps (111), (112), and (113) in FIG. 7 to center communication (step (116)). If the transaction is approved by the center communication (step (117)), each transaction is tabulated (step (118)), and the process proceeds to slip printing, passbook printing, and cash payment processing.

In the cash payment process (FIG. 11), the process proceeds to step (208) via steps (201) and (202). Since the transaction amount has not been set yet, the answer to step (208) is NO. In the case of cancellation, the cancellation fee including interest is transmitted from the center through center communication and displayed on the CRT 3. In this example, the term deposit is 10,000 yen and the interest is 1,000 yen, so the cancellation fee is 11,000 yen. Also, a message asking you to key in the withdrawal amount will be displayed on the 12th line of the CRT3 (step (216)), so the teller will receive the cancellation fee (1
11,000 yen) as the withdrawal amount (step (217)).Then, this input withdrawal amount will be
It is displayed on the CRT 3 (step (218)), and when the enter key is pressed (step (219)), the withdrawal amount is set to IR (step (220)).

Next, by adding the content of the payment balance R of 90,000 yen and the content of the withdrawal amount IR of 11,000 yen (withdrawal amount R
content is 0), calculate the new payment balance of 101,000 yen and store it in the payment balance R (step (210), the withdrawal amount
The contents of the IR are transferred to the withdrawal amount R (step (211)), and the withdrawal confirmation is displayed (step (212)).
If the confirmation key is pressed (step (214)), the process proceeds to step (226) via steps (221) and (222), and the contents of transaction amount R and withdrawal amount R are cleared.

This completes the term deposit cancellation process.

In addition, Teller processes a deposit of 110,000 yen to the current account. Since this transaction processing is the last transaction processing of a compound transaction consisting of a series of transactions, the teller presses the compound key again (Figure 7, step (107)) to cancel the compound transaction processing function. (Step (110)). The teller then sets up the deal,
Press the screen request key (steps (103) (102)).
The current key has the fifth digit and the code number is 2, and the deposit key has the first digit and the code number is 9, so the number representing the set transaction is 20009.

Next, the teller performs data key input, slip set, passbook set, and cash set processing.
In the data/key input process (Figure 8), the teller enters the account number, bankbook line, balance, and transaction amount (110,000 yen).
These data are displayed on the CRT3.
are displayed on the second to fourth lines, and the input transaction amount is set as the transaction amount R (steps (131) to (136)). The remaining fishing key will be described later.

Details of the cash set processing procedure are shown in FIG. Referring to this figure, check whether the transaction setting R indicates a deposit (step (151)). If it is a deposit, press the shutter 41 of the slot 7 of the banknote deposit machine 21 ( Coin deposit machine 23
(same for ) (step (152)). After the teller inserts the 10,000 yen handed over by the customer into the input slot 7, he manually closes the shutter 41, so the answer is YES in step (153), and the answer is YES in step (154).
But YES. Next, check whether the cash count key has been pressed (step 155) and whether the compound key has been pressed (step (156)), and since both are NO, next check whether the excessive storage prohibition key has been pressed. (step (157)), and since this key has not been pressed, the process proceeds to the cash collection process without making the decision in step (158).

Referring to FIG. 10, in the cash storage process, the banknotes inserted into the slot 7 are taken in one by one and judged by the discrimination device 32 (step (181)). As a result of the verification, if it is a genuine banknote (step (182))
(YES), checks whether the number of banknotes stored in the temporary storage mechanism 33 has reached the maximum number (NS) based on the contents of the temporary storage counter (step (183)), and the number of banknotes must have reached the maximum number (NS). Next, check the status of the composite key and overstorage prohibition key (steps (184) and (185)). Neither the compound key nor the over-storage prohibition key has been pressed, so step (184)
NO, the result is NO in step (185), and the verified banknotes are stored in the temporary storage mechanism 33 and the contents of the temporary storage counter are incremented by 1 (step (187)), without making the judgment in step (186)). and,
The amount of the verified banknote is added to the temporary storage amount R and the received amount R (step (188)).
(189)) and check whether there are any bills left in the slot 7 (step 190)). If there are any bills left in the slot 7, return to step (181) and do the same.
The banknotes are discriminated one by one and temporarily stored, and the amount of each banknote is added to the temporarily stored amount R and the received amount R. If steps (181) to (190) are repeated 50 times, the number of temporarily stored banknotes will reach (NS), so the answer will be YES in step (183), and the 51st banknote will be sent to the return slot through the second return path 36. Step (195) to return to 8). Banknotes that cannot be determined to be genuine banknotes by the discrimination device 32 are also returned (steps (182) and (195)). When the banknotes in the input slot 7 run out (NO in step (190)), if there are any banknotes to be returned in the return slot 8, they are removed (step (191)).
(192)), and the content of the received amount R is displayed on the sixth line of CRT3 (step (193)). In this example, the banknote inserted into the slot 7 is 10,000 yen, so if this banknote is used (step (182)), the contents of the temporary storage amount R, the received amount R, and the received amount R will be 10,000 yen. (Steps (188) (189)), 10,000 yen is displayed as the received amount on the 6th line of CRT3 (Step (193)).

When the teller presses the remaining balance key (Figure 8, step (137)), the content of the transaction setting R is deposit (step (138)), and the transaction amount of 110,000 yen has already been entered using the key (step (137)). (139)) and calculate the remaining catch (step (140)). In this example, the amount received is 10,000 yen, the amount paid is 101,000 yen, and the transaction amount is 110,000 yen, so balance = amount received + amount paid - transaction amount (1,000) (10,000) ( 101,000) (11
10,000), the change will be 1,000 yen. This remaining balance of 1,000 yen is set in the remaining balance R and is displayed on the 8th line of the CRT 3 (step (141)).

When the teller presses the completion key (step (148)),
This means that the data key input, slip set, passbook set, and cash set processing have been completed.

In step (112) in Figure 7, the transaction set is a deposit, so this step (112)
The result is YES and the process moves to zero proof check (step (114)).

Amount = Amount received + Remaining payment - Transaction amount - Remaining change (0) (10,000) (101,000) (110,000)
(1,000), the content of the amount R becomes 0, so the answer at step (115) is YES, and it is possible to proceed to center communication. If the remaining catch is not calculated because the teller does not press the remaining catch key (step (140)), an error occurs in this zero proof check.

As a result of the communication with the center, if the transaction is possible (step (117)), each transaction is totaled in the RAM 15 (step (118)), and the process proceeds to printing of slips, bankbooks, and cash payment processing.

In Figure 11, since the content of the transaction setting R is a deposit (YES in step (201)), the payment balance R
The contents of (101,000) and the contents of the received amount R (10,000 yen)
A new payment balance is calculated by adding the transaction amount R and subtracting the contents (110,000) of the transaction amount R, and stores it in the payment balance R (step (203)). This new balance is equal to the remaining balance. Then, the contents of the temporary storage amount R, 10,000 yen, are added to the contents of the storage total R and are totaled (step (204)), and the received amount R, transaction amount R, and temporary storage amount R are cleared (step (205)). If there are banknotes stored in the temporary storage mechanism 33 (step (206)), they are stored in the storage box 34 (step (207)).The content of the remaining payment R is not 0 (step (221)). NO), the composite key has been reset (NO at step (222), step (223)
Proceed to the payment balance R in preparation for the cash release process.
Transfer the contents to the withdrawal amount R (step (223)),
Clear the payment balance R (step (224)), transfer the contents of the withdrawal amount R to the discharge amount R (step (225)),
Perform cash release processing. After the cash release process is completed,
The transaction amount R and withdrawal amount R are cleared (step (226)).

Details of the cash release process are shown in FIG. First, it is checked whether the entire amount of cash to be released R can be released (step (231)). Specifically, it is checked from the contents of the RAM 15 whether the dispensing machine 22 is out of banknotes or whether a failure has occurred in the dispensing machine 22. If a failure occurs in the dispensing machine 22, it is checked whether the content of the disbursed amount R is 0 or not. If the full amount can be released, a message to confirm the release is displayed on the 12th line of CRT3 (step (232)). When the confirmation key is pressed (step (233)), if the contents of the disbursed amount R are not 0, the amount to be disbursed by the dispensing machine 22 is set to the counted amount R (step (235)). The maximum amount of banknotes that can be stored in the temporary storage mechanism 66 of the dispensing machine 22 is also determined, and is, for example, 50 banknotes.
If the amount released exceeds the amount of 50 banknotes, 2
It is decided that the money will be released in more than one time, and at the time of the first release, the maximum amount that can be released in one time is set as the counted amount R (step (235)).

When the discharge amount is set to the counted amount R, the storage box 6
The banknotes are fed out one by one from any one of banknotes 1 to 64 and temporarily stored in the temporary storage mechanism 66, and the fed out banknotes are counted (step (236)). In this process, it is checked whether an error that makes it impossible to continue dispensing, such as a blank dispensing or a jam, has occurred (step (237)), and if there is no error, the dispensing of the amount set in the counted amount R has been completed. If it is not completed, the process returns to step (236) and the above process is repeated (step (238)). If an empty bill is dispensed or a jam occurs, the bill is fed out the required number of times (for example, three times), and if the bill is still dispensed empty or the jam is not cleared, an error is determined in step (237). .

When the counting amount of banknotes has been fed out, the banknotes in the temporary storage mechanism 66 are transferred to the banknote discharge port 9 through the banknote discharge path 67.
(step (239)) and open the shutter 74. Check whether there is a conveyance error such as a jam during this conveyance process (step (240)). If there is no conveyance error, the paper money is sent from the outlet 9 to the teller Then, it waits for the ejected banknotes to be removed (step (241)).

When the dispensed banknote is extracted, the contents of the counted amount R are subtracted from the contents of the dispensed amount R, and the result of this subtraction is set as the new dispensed amount (step (242)). This process is
This is effective when the amount released exceeds the maximum amount that can be released at one time. Next, release the contents of the counted amount R
is added to total (step (243)) and returns to step (234). If the content of the dispensed amount R is 0 in step (234), this means that dispensing of the amount of banknotes to be dispensed has been completed. If the content of the dispensed amount R is not 0, the amount to be dispensed for the second time is set to the counted amount R, and the banknote dispensing process is repeated in the same way.

If the full amount cannot be dispensed in step (231), that is, if the storage boxes 61 to 64 are out of banknotes or the dispensing machine 22 is malfunctioning and the dispensed amount R≠0, an error occurs in steps (237) and (240). In the case of occurrence, an indication that discharge is not possible or failure of the discharge machine is displayed on the 12th line of the CRT 3 (steps (245) and (246)), and error handling is performed (step (247)). In these cases, it is impossible for the dispenser 22 to dispense cash, so the teller will have to pay.

In this example, since the content of the discharge amount R is 1,000 yen, 1,000 yen is set to the counted amount R (step (235)), and one thousand yen bill is dispensed from the storage box 63 and placed in the discharge port 9. Released (step (236) ~
(239)). In addition, the content of the release amount R becomes 0 through the processing in step (242), and 1,000 yen is added to the release total R through the processing in step (243).

The teller pulled out 1,000 yen in cash from outlet 9.
This thousand yen and three types of passbooks with transaction data printed on them are handed over to the customer, the printed slips are stored, and the complex transaction is completed.

In Fig. 9, steps (161), (163) and (176) are data key input processing (Fig. 8).
and cash set processing. As mentioned above, the screen request key is used when redoing the key input operation (step (144)), and the completion key is used when the key input operation is completed (at this time, the passbook, slip, and cash set processing has also been completed). ) (step (148)). and,
The fact that these keys have been pressed is stored in the RAM 15 as a flag. in step (161)
If YES and NO in step (154), proceed to step (170). YES at step (163)
In this case, check whether there are banknotes in the slot 7 (step (164)), and if there are no banknotes, open the slot 7.
The shutter 41 of the shutter 41 is automatically closed (step (165)), and the process proceeds to step (170). If the cash counting key is not pressed at step (170), the process advances to step (175), and if the cash return key is not pressed, the process advances to step (176). If the screen request key or completion key is pressed, the cash setting process ends.

The cash return key is pressed when requesting the return of banknotes stored in the temporary storage mechanism 33. If YES in steps (162) and (175), proceed to step (177). If YES in step (167), check whether there are banknotes in the slot 7 (step (168)), and if there are no banknotes, close the shutter 41 of the slot 7 (step (169)), and proceed to step (169). Proceed to (177).

Although detailed illustration of the cash return process (step (177)) is omitted, in this process, it is first checked from the output signal of the stored banknote detector 51 whether or not banknotes are stored in the temporary storage mechanism 33, and the stored banknotes are checked. If there is, a message indicating that the cash will be returned will be displayed on the 12th line of the CRT 3, and the banknotes will be returned via the first return route 35 to the return slot 8.
to be carried out. Then, when the banknotes in the return slot 8 are removed, the contents of the temporarily stored amount R are subtracted from the contents of the accepted amount R, and the contents of the temporarily stored amount R are cleared.

If the cash counting key is pressed, YES is returned in step (155), and the process moves to cash counting processing (step (159)). This cash counting process is also omitted from illustration, but in this process, the banknotes inserted into the input slot 7 are taken in one by one and judged by the discrimination device 32. If the banknote is a regular banknote, the banknote is It is returned to the return port 8 via the second return path 36. This banknote discrimination and return process is repeated until there are no banknotes in the slot 7. For banknotes that the discrimination device 32 cannot distinguish from regular banknotes, the banknotes are stored in the temporary storage mechanism 3.
Store in 3. When all the banknotes in the input slot 7 have been verified, the shutter 42 of the return slot 8 is opened. When the teller pulls out cash, the 12th line of CRT3 displays the cumulative cash amount for identification.

With this, the cash discrimination and counting process is completed, and the process returns to step (152). When the opened shutter 41 is closed again by the teller (step (153)), there is no cash in the slot 7, so the process moves from step (154) to step (170). Since the cash counting key has already been pressed, YES is returned at step (170). If defective banknotes are stored in the temporary storage mechanism 33 (YES in step (171)), a message indicating that the defective cash is to be returned is displayed on the CRT 3 (step (172)), and the temporarily stored cash is transferred to the first return path 35. , return the item to the return slot 8, and open the shutter 42 (step (173)).
When the teller removes the returned bill (step (174)), the process shown in FIG. 9 ends.

In a deposit transaction, if the compound key is not pressed (NO in step (156)) and the excessive deposit prohibition key has been pressed (YES in step (157)),
Wait for the transaction amount (deposit amount) to be entered by key (step (158)). This is because the prohibition on overstorage is meaningful only when the transaction amount is fixed.

In the cash storage process shown in Figure 10, if the composite key is not pressed (NO in step (184)) and the excessive storage prohibition key has been pressed (step (185)), the process proceeds to step (186). Then, the content of the received amount R and the content of the transaction amount R are compared each time a banknote is taken in and verified. If the content of the received amount R exceeds the content of the transaction amount R, subsequent bills are returned to the return slot 8 via the second return path 36 without being temporarily stored (step (195)). . Therefore, for example, if the transaction amount is 85,000 yen but you accidentally put 100,000 yen (10 10,000 yen bills) into slot 7, only 90,000 yen will be temporarily transferred. The money is stored in the storage mechanism 33 and 10,000 yen is returned to the return slot 8. Then, 5,000 yen is left over (Step (140)). In this way, even if you accidentally insert a number of banknotes that exceed the transaction amount, if you press the excessive storage prohibition key, the excess banknotes will be returned immediately.

However, even if the excessive storage prohibition key has been pressed, if the compound key has also been pressed, YES will be obtained in step (156) in FIG. 9, and the process will be executed in step (157).
The process proceeds to cash collection processing without processing (158). Also, in the cash storage process (Figure 10),
Step (184) becomes YES and step (185)
Since the process in (186) is skipped, the over-storage prohibition function will be canceled. As a result, in complex transaction processing, all of the input cash is accepted, the withdrawal amount (remaining balance) is added or subtracted as a payment balance for each transaction, and the final payment balance is calculated at the end of complex transaction processing. It will be released by the dispensing machine. Therefore, during normal transactions, the excessive storage prohibition key can be kept depressed at all times. At the time of a compound transaction, it is sufficient to simply press the compound key, and there is no need to release the overaccommodation prohibition function by pressing the overaccommodation prohibition key again.

FIG. 13 shows the procedure of slip set processing. When the deposit slip is inserted into the slip insertion slot 6 (step (253)), the slip is locked (step (254)). A document is inserted if the document is already locked (step (250)), if the screen request key is pressed for redo (step (251)), and in a transaction that does not use a document (for example, an inquiry) If the completion key is pressed without any error (step (252)), the process ends.

FIG. 14 shows the procedure for setting a bankbook. When the passbook is inserted into the passbook insertion slot 5 (step (258)), the passbook is carried inside (step (259)). If the passbook has already been imported (step (255)), if the screen request key is pressed (step (256)), or if the completion key is pressed without inserting the passbook for a transaction that does not use a passbook. If so (step (257)), the process ends.

FIG. 15 shows the procedure of the slip printing process.
The slip locked in step (254) is brought in and positioned so that the line to be printed faces the print head of the slip printing machine 25 (step (260)), and authentication is printed on the slip (for example, transaction date and account information). (printing of numbers, etc.) (step (261)), and the slip is carried out to the insertion slot 6 (step (262)). Once the slip is extracted, the process ends (step (263)).

FIG. 16 shows the procedure of bankbook printing processing.
After positioning the printing line of the passbook brought in in step (259) (step (265)) and printing the transaction data on the passbook (step (266)), the passbook is carried out to the insertion slot 5 (step (267)). . Then, once the passbook is extracted, the process ends (step (268)).

In the above example, only the processing for banknotes is shown, but it goes without saying that the processing for coins and the processing using both banknotes and coins are performed in exactly the same way.

The present invention can be applied not only to transaction processing devices used by tellers, but also to automated teller machines operated by customers themselves. In this case,
The cash dispenser is also provided with a key for entering the transaction amount.

As described above, the transaction processing device according to the present invention has
A cash deposit machine equipped with a cash input slot, a cash return slot, an identification device for inserted cash, and a return path for returning cash to the return slot, a means for storing the amount of cash accepted by the cash deposit machine, and a transaction amount. numeric keys for key input, means for storing the transaction amount entered using the numeric keys, a discriminator that sequentially discriminates the cash in the input slot and accepts only genuine cash, and inputs the received amount and key for each acceptance. Excess storage prohibition mode control means for controlling the cash deposit machine to compare the received transaction amount with the transaction amount and return subsequent cash to the return slot when the received amount exceeds the transaction amount, A compound transaction key that sets a compound transaction that continuously performs multiple transactions with cash dispensing, and a cash deposit function that is activated by input using the compound transaction key and accepts all legitimate cash from among the cash inserted into the cash deposit machine. If an input is made using the composite transaction key while the composite transaction mode control means that controls the machine and the excessive storage prohibition mode control means are activated, the control by the composite transaction mode control means is given priority and excessive storage is prohibited. It is provided with excessive storage prohibition release control means for stopping the operation by the mode control means.

The transaction processing device according to the present invention controls the operation of the over-storage prohibition mode in which when cash is inserted into the input slot in excess of the cash equivalent to the transaction amount entered by the key, the excess amount of cash is returned to the return slot. and means for controlling the operation of a composite transaction mode that accepts all the cash input into an input slot for executing a composite transaction in which multiple transactions are continuously performed with one cash input or cash discharge. It is equipped with both, and is capable of operating in both the overaccommodation prohibition mode and the complex transaction mode.

In order to match these over-accommodation prohibition modes and the composite transaction mode, in this invention, when the over-accommodation prohibition mode is set and the composite transaction mode is set, the over-accommodation prohibition release control means is activated, and the composite transaction mode is activated. The transaction mode is given priority and the excessive storage prohibition mode is stopped.

Therefore, according to the present invention, since it is possible to always set the overpayment prohibition mode, it is possible to prevent erroneous deposits due to a customer's mistake or a teller's mistake, and to ensure that transactions are performed correctly and accurately. The burden on the teller can be reduced. Moreover,
Since the excessive storage prohibition mode is canceled immediately after the composite transaction mode is set, the advantages of the composite transaction can be fully utilized. That is, by performing a compound transaction, the teller's operation becomes easier and the transaction processing time can be shortened.

[Brief explanation of drawings]

FIG. 1 is a perspective view showing the appearance of the transaction processing device;
Fig. 2 is a block diagram showing the internal structure of the transaction processing device, Fig. 3 is a block diagram showing an outline of the bill depositing machine, Fig. 4 is a block diagram showing the outline of the bill dispensing machine, and Fig. 5 is a block diagram showing the outline of the bill dispensing machine. 6 is a diagram showing the contents of the RAM, FIG. 7 is a flow chart showing the overall procedure of transaction processing, and FIG. 8 is a flow chart showing the procedure of data key input processing. Figure 9 is a flow chart showing the cash set processing procedure, Figure 10 is a flow chart showing the cash collection processing procedure, and Figure 11 is a flow chart showing the cash payment processing procedure.
Chart, Figure 12 is a flow chart showing the cash dispensing procedure, Figure 13 is a flow chart showing the slip setting procedure, Figure 14 is a flow chart showing the passbook setting procedure, and Figure 15 is slip printing. Flow chart showing processing steps, No. 16
The figure is a flow chart showing the passbook printing process procedure.
FIG. 17 is a diagram showing the transaction operation procedure and the contents of each register, and FIG. 18 is a diagram showing an example of a CRT display. 3...CRT, 4...Keyboard, 7,11
...Input port, 8, 12...Return port, 15...
RAM, 21...Banknote deposit machine, 23...Coin deposit machine, 32, 61...Identification device, 35, 36...Return path.

Claims (1)

[Scope of Claims] 1. A cash deposit machine equipped with a cash input slot, a cash return slot, an identification device for inserted cash, and a return path for returning cash to the return slot, and the amount of cash accepted by the cash deposit machine. Numerical keys for inputting the transaction amount; Means for storing the transaction amount input using the numerical keys; A discriminating device sequentially discriminates the cash in the input slot to accept only genuine cash; Excess storage prohibition mode control means that compares the received amount with the key-input transaction amount for each transaction, and controls the cash deposit machine to return subsequent cash to the return slot when the received amount exceeds the transaction amount. , A compound transaction key that sets up a compound transaction in which multiple transactions are performed continuously with one cash injection or cash disbursement, A compound transaction key that is activated by input using the compound transaction key, and authenticated cash among the cash inserted into the cash deposit machine. a composite transaction key control means that controls the cash deposit machine to accept all of A transaction processing device comprising: overaccommodation prohibition release control means that prioritizes overaccommodation prohibition mode control means and stops the operation of overaccommodation prohibition mode control means. 2. The transaction process according to claim 1, which includes an overaccommodation prohibition key for setting an overaccommodation prohibition mode, and the overaccommodation prohibition mode control means is activated in response to an input using the overaccommodation prohibition key. Device.