JPH037987B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION Γ Technical Field of the Invention The present invention relates to an automatic transaction device, and particularly to an automatic transaction device that can also handle transfer transactions.

Γ Conventional Background Automatic transaction devices that automatically perform cash transactions such as deposits and withdrawals have become widespread for the purpose of reducing bank counter operations and improving customer service.

In recent years, attempts have also been made to provide automatic transaction devices with the function of handling transfer transactions in order to further improve customer service.

Γ Prior Art and Problems However, when attempting to add a transfer transaction function to an existing automatic transaction device, there were major difficulties as described below.

That is, the following two methods are conceivable as methods for automatically transferring funds using an automatic transaction device.

A method of depositing the amount of cash to be transferred and specifying the transfer destination by account number, etc.

A method in which you specify the amount to be transferred and the transfer destination, and the transfer is automatically made from your own account.

Among these methods, since the transfer amount and transfer destination can be specified using a customer operation key in an existing device, transfer transactions using this method are highly feasible. However, there was a big problem when considering this method.

That is, existing automatic transaction devices can only handle banknotes of a predetermined denomination. Therefore, if there is a fractional amount less than the cash unit that can be handled by the device in the amount that the customer should deposit, in other words, the amount to be transferred including the transfer fee in addition to the amount to be transferred to the transfer destination,
The drawback was that legitimate transactions could not be conducted.

In order to solve the above-mentioned drawback, that is, the inability of the device to handle cash of less than a predetermined unit, it is natural to add a function to the conventional device that allows it to handle the denomination of the unit (banknotes or coins) required for transfer transactions. Conceivable.
However, when implementing this method, it is necessary to equip the device with a banknote or coin discrimination section for each new denomination handled and a safe to store these denominations, which not only increases the size of the device but also increases the cost. The disadvantage is that it leads to

There were major problems in adding a transfer transaction function using this method to existing automated teller machines.

Γ Object of the Invention The object of the present invention is to provide an automatic transaction device that eliminates the concerns about the device becoming larger and more expensive, and is capable of transferring cash, in order to eliminate the above-mentioned drawbacks.

Γ Structure of the Invention In order to achieve the above object, the automatic transaction device of the present invention includes a deposit transaction machine that stores cash deposited by a user and can calculate the deposited amount, and a user account where the deposit exists. An input means for inputting at least user data that can be identified, transfer account data that can at least identify the transfer destination account, and transfer amount data to be transferred to the transfer destination account by a user's operation, and a fraction in the transfer amount. control means for rounding the fractional amount and automatically transacting the amount corresponding to the rounded fractional amount from the user account; The present invention is characterized by comprising a selection means for selecting a transfer source from among a user account and a deposit transaction function.

Γ Embodiment of the Invention FIG. 1 is an external view showing a commonly used automatic transaction device, and FIG. 2 is a block diagram showing an embodiment of the automatic transaction device according to the present invention. In FIG. 1, 2a is a bill payment slot, 3a is a bill insertion slot, 3
a' is a defective bill return slot, 4a is a bankbook insertion slot, 5a is a card insertion slot, 6a is a customer operation panel, and 7a is a display. In FIG. 2, 1 is a transaction control unit, 3 is a bill validating unit, and 4 is a passbook printer/
Reader, 5 is card reader, 6 is keyboard, 7
1 is a display section, 8 to 14 are registers, 15 is a comparison circuit, 16 is a transaction discrimination section, 17 is a commission calculation section, 1
8 is a total amount calculation section, 19 is a fraction calculation section, and 20 is a line control section.

The automatic transaction device shown in Figure 1 is used for deposits, payments,
It is used for transactions such as checking deposit balances and filling in bankbooks, and is widely used as a terminal for banking operations. Therefore, a detailed explanation of the operation of the device in the various transactions described above will be omitted. The embodiment shown in FIG. 2 only shows the configuration of the transaction mechanism necessary for the transfer process. Note that unless otherwise specified, the transfer amount refers to the amount including fees. That is, as will be clear from the explanation of the operation of this embodiment which will be described later, the present invention is applicable to any automatic transaction device having a deposit transaction mechanism using a card or a passbook.

In FIG. 2, the banknote discrimination section 3 is
This is to determine the authenticity of the banknotes inserted from a. Banknotes that are found to be defective as a result of the discrimination are returned to the customer through the return slot 3a' by a mechanism not shown. The register 8 stores the discrimination results of the discrimination section 3, and by reading the discrimination data stored in the register 8, the transaction control section 1 can know the amount of money deposited by the customer. Therefore, the deposit mechanism is comprised of the above-mentioned discrimination section 3, register 8, and transport mechanism. Also, passbook printer/
The reader 4 is a mechanism that reads the customer's account number etc. from the passbook inserted through the passbook insertion slot 4a, or prints transaction data (deposit amount, payment amount) and transaction results on the passbook. Card reader 5 is card insertion slot 5
This is a mechanism for reading out the account number, password, etc. recorded on the card (cash card) inserted from a. The keyboard 6 is provided on the customer operation panel 6a and is used as a means for inputting transaction data. The display unit 7 displays transaction guidance, operating procedures, etc. on a display 7a on the customer operation panel 6a to encourage the customer to perform transaction operations. The operation of the embodiment shown in FIG. 2 when the apparatus performs a transfer process will be described below.

If the customer is not using the device, the transaction control unit 1 drives the display unit 7 to display a guidance message for the customer's transaction initiation operation, such as "Please press the transaction button," on the disk display 7a on the customer operation panel 6a. urge Further, the transaction control unit 1 activates the keyboard 6 to enable the press input of a transaction selection button (not shown) on the operation panel 6a, and enters a waiting state waiting for the customer to input a transaction button.

Here, it is assumed that the customer presses a transaction button specifying a transfer transaction. When a transaction button is pressed, the keyboard 6 outputs key data corresponding to the pressed button to the transaction determination section 16. The transaction determination unit 16 determines the type of transaction requested by the customer (in this case, transfer) from the key data output from the keyboard 6, and outputs a determination signal to the transaction control unit 1 indicating that a transfer request has been made.
Furthermore, the transaction determination unit 16 activates the fee calculation unit 17 to calculate a transfer fee based on amount data stored in the register 12, which will be described later.

The transaction control unit 1 activates the card reader 5 and, if necessary, the bankbook printer/reader 4 based on the transfer request determination signal from the transaction determination unit 16, and notifies them to wait for the customer to insert a card or bankbook.
At the same time, the transaction control section 1 drives the display section 7 to display a guidance message on the display 7a to prompt the customer to insert the card and passbook. Follow this guidance message to enter card slot 5.
When a card and a passbook are inserted through the passbook slot 4a and the passbook insertion slot 4a, the card reader 5 and passbook printer/reader 4 read the data recorded on the card and the passbook, respectively, and transfer the read data to the registers 9 and 10.
and outputs a signal indicating completion of data reading to the transaction control unit 1. In response to the data read end signal, the transaction control section 1 drives the display section 7 to display on the display 7a a guidance message prompting the customer to input the next operation, such as "Please enter your password." Furthermore, the transaction control section 1 drives the keyboard to store the password data input by the customer in the register 11, and activates the comparison circuit 15 to verify the identity of the customer by matching the password. That is, comparison circuit 1
5 compares the password data stored in the register 11 based on the customer's operation input with the password data of the card data stored in the register 10, and outputs the comparison result (match/mismatch) to the transaction control unit 1. .

When the comparator circuit 15 confirms that the password data match, the transaction control section 1 drives the display section 7 and displays a prompt to the customer via the desk press 7a to input the amount to be transferred to the transfer destination from the keyboard 6. Based on this guidance display, the customer inputs the remittance amount data using the keyboard 6, and the amount data stored in the register 12 is read out to the fee calculation section 17 and the total amount calculation section 18. The fee calculation unit 17 calculates the transfer fee corresponding to the read amount data,
It is output to the total amount calculation unit 18. Total amount calculation section 18
calculates the transfer amount necessary for the transfer transaction by adding the above-mentioned amount data and transfer fee, and outputs the calculated transfer amount to the transaction control section 1 and the fraction calculation section 19. The transaction control section 1 displays the calculated transfer amount on the display 7a via the display section 7, and also displays guidance to the customer to select the transfer source. That is, the customer is prompted to select whether to withdraw the transfer amount from the customer's account and transfer it (account debit) or to transfer the amount by newly depositing cash from the customer (cash transfer). As a result, the transfer source data selected and input by the customer from the keyboard 6 is stored in the register 13. By reading the transfer source data stored in the register 13, the transaction control unit 1 performs a transfer process corresponding to the transfer source data.

First, the operation of the apparatus when the read transfer data is data specifying a customer account will be explained.
The transaction control unit 1 reads the customer's account number data from the passbook or card data stored in the register 9 or 10, and sends the read account number data to a host computer on the center side (not shown) via the line control unit 20. and access the deposit balance of the account corresponding to the account number data. The transaction control unit 1 receives the data accessed from the center side via the line control unit 20, compares the received deposit balance data of the customer account with the total transaction amount, and determines whether or not transfer processing by direct debit is possible. investigate.

If the deposit balance in the customer account is less than the total transaction amount 8, the transaction control unit 1 performs processing such as displaying a message on the display 7a to the effect that transfer by direct debit is not possible. If a direct debit is possible, the transaction control unit 1 moves to the next transaction step and prompts the customer to input the transfer destination data, for example, the account number of the transfer destination, by means of a guidance display. Based on this guidance, the transfer destination data input via the keyboard 6 is stored in the register 14. As a result, the transaction control section 1 sends the transfer destination data read from the register 14 to the center side via the line control section 20, and accesses data such as the name of the transfer destination corresponding to the transfer destination data. Furthermore, the accessed data such as the name is displayed on the display 7a to prompt the customer to confirm the transfer destination. When the customer inputs the confirmation of the transfer destination, the transaction control unit 1 performs a transaction in which the total amount of the transaction is withdrawn from the customer account, and the transfer amount excluding the fee is deposited into the transfer destination's account. The information will be sent to a center (not shown).

Next, the operation of the device when the transfer destination data specified by the customer is cash transfer will be explained. The transaction control section 1 activates the fraction calculation section 19 to calculate the fractional amount that cannot be handled by the device, out of the transfer amount calculated by the total amount calculation section 18 mentioned above. In addition, the transaction control section 1 can read the customer's account number data from the register 9 or 10 as in the case of direct debit, access the balance data etc. from the center side, and pay out the fractional amount calculated by the fraction calculation section 19. Find out. Next, the transaction control unit instructs the banknote discriminator 3 to perform a validation operation when inserting a banknote through the display 7a, and instructs the banknote validation unit 3 to perform a validation process when inserting a banknote. Outputs a start signal to start the process. The customer inserts banknotes from the bill slot 3a based on the deposit amount guidance on the display 7a. The banknote validator 3 identifies the inserted banknotes and stores the validation data in the register 8 . As a result, the transaction control unit 1 reads out the discrimination data from the register 8 and confirms that a banknote equivalent to the displayed amount has been inserted. When the customer's banknote deposit is completed, the transaction control unit 1 displays and guides the customer to input the payee data (payee account number) via the display unit 7, as in the case of direct debit described above. Furthermore, the transaction control unit 1 reads the transfer destination data entered by the customer via the register 14, accesses the center side, receives the name data of the transfer destination account holder from the center, and further displays the transfer destination's name on the display 7a. and prompt the customer to confirm. When the customer's transfer destination confirmation is completed, the transaction control unit 1 performs a transaction in which the fractional amount of the transfer amount is rounded (rounded down) from the customer account, and the sum of the withdrawn fractional amount and the amount deposited by the customer. That is, a transaction request for depositing the remittance amount stored in the register 12 out of the remittance amount into the remittance account is transmitted to the center via the line control unit 20.

As mentioned above, in the case of direct debit, the transaction request is to withdraw the total transaction amount from the customer account and deposit the specified transfer amount to the transfer destination account, and in the case of cash transfer, the transaction request is to withdraw the fractional amount from the customer account, A transaction request to deposit the specified transfer amount into the transfer destination account is then sent to a center (not shown). The center decides whether or not to conduct a transaction according to various transaction requests sent from the transaction device, and
If the transaction is possible, the transaction data and results are updated and recorded on the center file, and a response signal indicating that the transaction has been completed is sent back to the transaction device.

As a result of receiving a transaction conclusion signal from the center via the line, the transaction control unit 1 uses a bankbook printer/reader 4 and a receipt printing mechanism (not shown) to print processed transaction data and results on a bankbook, receipt, etc. Start up and send the print data. As a result, predetermined printing is performed on the bankbook and receipt, and after the printing is completed, the bankbook card and receipt are returned to the customer through the bankbook insertion slot 4a and card insertion slot 5a, and the transaction is completed.

Γ Effects of the Invention As detailed above, according to the present invention, when there is a fraction in the transfer amount, the fractional amount is rounded off and the existing automatic transaction is improved by providing a control means for conducting the transaction from the user account. Transfer processing functions including cash transfers can be added to the device, and excellent effects such as not only reducing bank counter operations but also improving customer service can be expected.

Note that it is clear that the present invention is not limited to the embodiments described above and can be applied in various ways. For example, when rounding a fraction of the transfer amount, in the example, the fraction is rounded down and the rounded fraction is automatically debited from the customer's (user) account.
Alternatively, a method may be adopted in which cash corresponding to the transfer amount is rounded up to the nearest whole number and the surplus amount is deposited into the user's account. In other words, rounding processing means matching the minimum unit of the total transfer amount to the minimum unit that the device can handle. Furthermore, the order in which the user inputs various transaction data (remittance amount, transfer destination data, transfer source data, etc.) in the automatic transaction device and the device processing order are not limited to the order described in the examples, and do not interfere with transfer transactions. Needless to say, changes can be made as far as possible.

[Brief explanation of the drawing]

FIG. 1 is an external view showing a conventional automatic transaction device for bank terminals, and FIG. 2 is a block diagram showing an embodiment of the automatic transaction device of the present invention. 1 is a transaction control section, 17 is a commission calculation section, 18 is a total amount calculation section, and 19 is a fraction calculation section.

Claims (1)

[Claims] 1. A deposit transaction machine that can store the cash deposited by the user and calculate the deposit amount, user data that can at least identify the user account where the deposit is located, and a transfer account that can at least identify the account to which the deposit is made. An input means for inputting data and the transfer amount data to be transferred to the transfer destination account by the user's operation, and rounding of the fractional amount when there is a fraction in the transfer amount.Corresponding to the rounded fractional amount. a control means for automatically transacting the amount from the user account; and, if there is a fraction of the transfer amount, selecting the transfer source from which the rounded amount is transferred to the transfer account from the user account or the deposit transaction machine; An automatic transaction device comprising a selection means.