JPH0664623B2 - Multi-function automatic transaction device - Google Patents

Description

The present invention relates to an automatic transaction device in a financial institution, and in particular,
The present invention relates to an automatic transaction device having an automatic transfer function capable of performing a transfer process by a customer's operation. Further, the present invention relates to an automatic transaction apparatus capable of handling a passbook magnetically recorded by either the NRZI recording method or the FM recording method.

[Prior art]

Recently, as part of a computer banking system, automated teller machines (Automatic Telle
r Machine: hereinafter referred to as ATM) is widely used. Recently, ATMs with various transaction functions have become popular. For example, cash refund, deposit, balance inquiry,
In addition to filling in the passbook, it is possible to process the transfer of money to another person's account by using the ATM. However, in order to perform this transfer processing at ATM, there are many data that the customer must enter, such as the name of the transfer requester, the name of the transfer destination financial institution, the branch name and the account number, and the name of the payee.
Not only is the input cumbersome and time-consuming, but input errors are easy to occur. Therefore, various methods have been devised in order to simplify the input operation of the transfer information.

In Japanese Patent Laid-Open No. 61-133475, by issuing a transfer-dedicated card in which ID information indicating a transfer requester is recorded, and a transfer destination information file is prepared in a computer center in association with the card, A transfer processing system that simplifies a customer's transfer information input operation is disclosed.

Japanese Patent Laid-Open No. 61-217867 discloses an IC that stores transfer data.
An automatic transfer system is disclosed in which the input operation of transfer information is simplified by using a card.

Further, there is a conventional technique in which the input operation of transfer information is simplified by reading a magnetic card on which transfer information is magnetically recorded.

[Problems to be Solved by the Present Invention]

As described above, various methods have been proposed in order to simplify the input operation of the transfer information, but these conventional techniques have the following problems.

In the case of the system described in Japanese Patent Laid-Open No. 61-133475, it is necessary to prepare a transfer information file for the customer dedicated to the transfer in the center computer so that it can be processed online. This has the drawback of increasing the load on the center computer due to the transfer-only customers, which do not have many transactions.

The system described in Japanese Patent Laid-Open No. 61-217867 has a drawback that the cost is too high at present because the IC card needs to be used, and the conventional ATMs that are already popular cannot be used. .

In addition, the method of magnetically recording transfer information on a magnetic card has a small amount of data that can be stored on the magnetic card,
Only one transfer information regarding one transfer destination can be recorded in one card. Therefore, if one customer has several continuous payees, such as payment for parking lot and rent, etc., a plurality of pay-only cards for each payee. It has the drawback of having to have.

The present invention has been made in view of the above-mentioned drawbacks of the prior art. The transfer client information magnetically recorded by the FM method on the magnetic stripe of the bankbook for transfer and the transfer information regarding a plurality of transfer destinations are read and read. An automatic transaction device that simplifies the transfer information input operation without increasing the load on the center computer even when one customer has a plurality of continuous transfer destinations by performing transfer processing using information. The purpose is to provide. A further object of the present invention is to provide an automatic transaction device capable of handling a normal deposit passbook magnetically recorded by the NRZI recording method, in addition to the above-mentioned transfer passbook recorded by the FM method.

[Means for solving problems]

The present invention, instead of registering the transfer information in the file of the center computer, magnetically records a plurality of transfer destination information on the magnetic stripe of the bankbook for exclusive use of transfer, and allows the customer to input the transfer information by reading it. Enabled the simplification of. It is necessary to magnetically record the transfer information and the transfer requester information for the five transfer destinations, and to record the data of about 350 to 400 characters. If this is recorded on the magnetic stripe of the passbook, even if it is recorded at 210 BPI, multiple tracks are required, and it is not possible to record all the data in the same format as the conventional deposit passbook. On the other hand, the use of a dedicated machine for handling a bankbook for bank transfer has various problems such as a cost problem and a space for installing the dedicated machine. Therefore, in the present invention, the above-mentioned problem is solved by using a bankbook for exclusive use of transfer which has the same format as a bankbook of the NRZI recording system which uses a relatively wide magnetic stripe. The NRZI recording method requires two tracks, one for a true bit and one for a fake bit. Therefore, if magnetic recording is performed by the NRZI recording method, it is not possible to magnetically record all the data necessary for the bankbook for transfer. Can not. Therefore, in the present invention, the FM recording method is adopted in order to use the two tracks used in NRZI as separate data tracks. In this way, by attaching a wide magnetic stripe that can record 2 tracks to the front and back covers of the passbook, a total of 4 tracks of magnetic recording can be made,
It is now possible to record the data of about 400 characters required for a bankbook for transfer. On the other hand, both the NRZI recording method and the FM recording method must be readable and writable in order to enable handling of the passbook recorded by the NRZI method. Accordingly, the automatic transaction device of the present invention is provided with two sets of magnetic read / write means which are provided corresponding to two tracks in parallel and which can be read / written by either NRZI or FM system. Connect to two sets of magnetic reading / writing means to process NRZI data symbols
An NRZI modulator / demodulator, an FM modulator / demodulator connected to the two sets of magnetic reading / writing means and processing an FM data signal,
An FM / NRZI selection unit that is connected to the NRZI modulation / demodulation unit and FM modulation / demodulation unit and outputs either NRZI data or FM data according to a selection signal from the magnetic recording read / write control unit,
Magnetic recording read / write control means for outputting the selection signal to the FM / NRZI selection section in response to a control signal from the main control section, input means capable of inputting from the outside, and display capable of displaying operation information Means and a main control for storing and processing the data output from the FM / NRZI selecting section, as well as controlling each of the above sections according to a predetermined procedure in accordance with input information from the outside and information read by the magnetic reading / writing means. And a part.

[Action]

As can be seen from the above configuration, in the present invention, even if the passbook magnetically recorded by any recording method is selected by switching the output of the FM / NRZI selecting means according to the magnetic recording method of the passbook used. Since it is readable / writable, it is possible to read / write both a passbook recorded in the NRZI system and a bankbook dedicated to transfer recorded in the FM system. Therefore,
A large number of transfer destination information is magnetically recorded in the transfer-dedicated passbook,
It is possible to simplify the transfer information input operation by reading and using the transfer transaction process.

Example of Invention

An embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram for explaining the schematic configuration of one embodiment of the present invention. The ATM is a CRT1 having a touch key function for displaying and inputting transaction operation information, a money processing unit 29 that counts the inserted money and discharges change according to the result of processing, and inserts and discharges a passbook and a device. A customer operation unit including a transport unit 27 that transports a passbook inside, and an optical detection unit 3 that reads information such as a passbook type, page, and line from a detection mark written on the inserted passbook or printed characters. , The verification unit 5 that determines the recording method by determining the transaction type of the passbook based on the information from the optical detection unit 3 and outputs it to the main control unit 9, and the verification unit 5 that is written on the magnetic stripe attached to the customer's passbook. Read the information required for the transaction, or write it on the magnetic stripe in reverse. 2 Track combination head 13
And a printing unit 35 for printing the transaction details on the bankbook and journal after the transaction is completed, and a transportation control unit 7 for controlling the transportation of the bankbook.
Such as the internal information processing section, the customer operation section and the internal information processing section, and an application program for exchanging transaction information with the external host computer 31, a memory for storing transaction information, and a circuit for connecting and driving each module. The main control unit 9 includes a main control unit 9 including the main control unit 9 and a circuit for processing a passbook having a different passbook recording method.

The method for selecting the passbook recording method will be described below. When the passbook is inserted, it is opened by the transport unit 27. FIG. 2a shows a detection mark 37 and a print line 39 for discriminating the type and page of the passbook for optical reading of the opened passbook. The type of the passbook and the characters printed on the page and the print line are read by the optical detection unit 3,
The verification unit 5 determines the type and recording method of the passbook and the page and line to be printed, and the main control unit 9 stores the data on the passbook.
Is output to. The passbook continues to be sent to the magnetic head 13.

Figure 2b shows a magnetic stripe attached to the front cover of a bankbook.
41 and track 43 are shown. The analog signal read by the magnetic head is NR through the amplifier circuit 15 and the A / D converter 17 that converts the analog signal into a digital signal.
It is sent to the ZI and FM recording type modulation / demodulation units 19 and 21 and demodulated. From there, signals corresponding to each recording method, for example, signal NZRDAT, clock NZRCLK in the NRZI method, and
In the FM system, the signal FMRDAT and the clock FMRCLK are output.
The main control unit 9 issues an NRZI or FM reading command to the magnetic recording read / write control unit 11 based on the signal from the verification unit 5 that has determined the recording method. In response to this command, the magnetic recording read / write control unit
The ZI read signal MNZ or the FM read signal MFM is sent to the FM / NRZI selection circuit 23. If the NRZI method is used, the data signal NZRDATA and the clock signal NZRDCLK are also sent according to the selection signal sent.
In the method, the data signal FMRDATA and the clock signal FMRDCLK are output. Information data necessary for transactions from these magnetic stripes is sent to the main control unit 9 via the interface circuit 25 and the magnetic recording read / write control unit 11 and stored in the memory, and used for subsequent transaction processing. .

FIG. 3 is a flow chart showing each transaction procedure performed by the customer and the internal processing operation of the apparatus associated therewith in the ATM.
The operation of this embodiment will be described below with reference to FIG.

First, a guide screen and a function key for prompting the selection of a trading method are displayed on the screen of CRT1. The customer operates the function keys to specify the transaction method and transaction medium by selecting the bankbook (step 10).
1). Next, when a bankbook written in the FM method is inserted (step 102), the type of bankbook is detected by the optical detection unit 3 as described above.
It is read by (step 103). If the data in the passbook match as a result of collating the manually input data, the process proceeds to step 104 where the magnetic head 13 reads the magnetic stripe, but if they do not match, the process proceeds to step 123 and the passbook is returned. After the magnetic stripe is read, the transfer requester input guidance screen is displayed. If there is transfer requestor information on the screen, the customer depresses the key and inputs the transfer requester information by key (step 124). If not on the screen, key in the client's name and telephone number in kana or alphanumeric characters (step 105). Next, the registered recipient display screen is displayed. If the recipient is registered on the screen, the key is pressed to specify the recipient (step 106). If the payee is not displayed for the first transfer transaction, follow the on-screen instructions to select the bank to transfer to (step 107), the deposit item (step 108), the account number (step 109), and then press the selection key or numeric keypad. This is done by pressing down. At step 110, the transfer amount input guidance screen is displayed, so the customer operates the ten keys to input the transfer amount. In step 111, the main control section 9 inquires of the center via the center line whether or not the transfer destination read in step 106 or steps 107, 108 and 109 is registered. When the inquiry is completed, the transfer destination bank name, deposit item, account number,
The name of the client, the transfer amount, the fee, etc. are displayed. After confirming the details of the transfer, the confirmed key is input (step 113). When cash is inserted from the money insertion slot, the money processing unit 29 counts and sends the amount data to the main control unit 9 (step 114). Control unit 9
Edits a message containing the recipient's bank name, subject, account number, name, and transfer requester's name and sends it to the center. The center carries out the transfer processing based on the above-mentioned telegram, and then returns the response telegram to the main control section 9 (step 15).

If this transfer transaction is the first transfer transaction, the name and telephone number of the transfer requester are printed in the return column (step
116). Next, the transfer details such as transaction date, payee, subject, account number, transfer amount, etc. are printed on the line for printing the transfer statement, and the transaction data is printed on the journal as a bank transfer transaction copy (Step 117). ).

Next, if the transfer requester's data is not written on the magnetic stripe of the transfer statement in the first use of the transfer passbook, the client's magnetic stripe data is edited based on the requester information obtained in step 105 ( Step 118). When the recipient registration guidance screen is displayed, if the recipient is new, the customer performs new registration of the transfer destination according to the screen. In the present embodiment, the maximum number of transfer recipients that can be registered is 5, so if it is 5 or less, new registration is possible, but if 5 are already registered, new registration is not performed or priority is given. The registration of the transfer requester with the lowest transaction frequency is deleted depending on the order (step 119), and the registration of a new transfer requester is performed by the designated key on the screen. Then, the recipient's magnetic stripe data is edited (step 120). Further, in step 121, data editing of the basic magnetic stripe is performed based on a line feed and a page break. These magnetic stripe edit data are transferred from the main control unit 9 through the magnetic recording read / write control unit 11 to the interface circuit 25 through the FM / NRZI selection circuit 23.
Sent to. In the FM / NRZI selection circuit 23, the FM system is selected by the signal MFM indicating that the recording is performed by the FM recording system, and the write signals FMWDAT and FMWCLK are output to the FM modulation / demodulation unit 21. Then, it is modulated by the FM modulator / demodulator 21 and sent to the write drive circuit 33, and written on the magnetic stripe by the magnetic head 13 (step 122). The transfer passbook for which writing of the magnetic stripe has been completed is returned from the passbook discharge port of the transport unit 27. Further, when a difference occurs between the transfer amount and the inserted cash, the money processing unit 29 returns the change.

Up to 5 recipients can be registered in the bankbook, and when a customer transfers to a registered recipient, a list of registered recipients is displayed on the screen, and key entry is easy with this display. Since it can be performed, complicated designation key operation in steps 107, 108 and 109 is eliminated.

In the case of an ordinary deposit passbook with a magnetic stripe written in the NRZI recording method, if you specify the passbook and deposit with the function key, the NRZI method will be selected, the magnetic stripe written in NRZI will be read, and the deposit transaction Get the information you need. Normal deposit transaction processing is performed based on the obtained information.

〔The invention's effect〕

As described above, the automatic transaction device of the present invention can handle a passbook magnetically recorded by either the FM recording method or the NRZI recording method. Therefore, it becomes possible to magnetically record in the bankbook for exclusive use of transfer by the FM method, and a plurality of transfer destination information can be recorded.
In this way, since the transfer information is recorded in the transfer passbook, the input operation of the transfer information can be simplified even if the transfer information file is not provided in the center computer. Therefore, it is possible to simplify the input operation for a plurality of transfer destinations without increasing the load on the center computer. Further, according to the present invention, there is an effect that the transfer transaction details can be recorded in the passbook.
Furthermore, since it is possible to handle even a deposit passbook magnetically recorded by the NRZI recording method, ordinary transaction processing such as refund of money and deposit can be performed as usual.

[Brief description of drawings]

FIG. 1 is a schematic block diagram for explaining the configuration of an embodiment of the present invention. FIG. 2a is a schematic diagram showing a magnetic stripe portion of a passbook for magnetically recording transaction data, and FIG. 2b is a schematic diagram showing a passbook format consisting of printed optical detection marks and transaction statement printing fields. . FIG. 3 is a flow chart showing the transfer transaction processing by the automatic transaction apparatus of FIG. 3 ... Optical detection unit, 5 ... Verification unit, 9 ... Main control unit, 11 ... Magnetic recording read / write control unit, 13 ... Magnetic head, 15 ... Amplifier circuit,
17 ... A / D converter, 23 ... FM / NRZI selector, 31 ... Center computer

Claims (1)

[Claims] 1. An automatic transaction device capable of depositing or withdrawing money and transferring money by using a bankbook or a bankbook for transfer, and an input means capable of inputting from the outside and selecting a transaction type, and operation information. Two display means are provided so as to correspond to the two magnetic recording tracks that are arranged in parallel on the bankbook or the bankbook of the bank transfer, and each of them uses both the NRZI recording method and the FM recording method. Read /
Writable magnetic reading / writing means, NRZI modulation / demodulation means connected to each of the two magnetic reading / writing means and modulating or demodulating an NRZI data signal, and the two magnetic reading / writing means. FM modulation / demodulation means connected to each of them, which modulates or demodulates an FM data signal, magnetic read / write control means for controlling magnetic read / write to the transfer passbook and deposit passbook, and the two modulation / demodulation Data selection means connected to the demodulation means and the magnetic read / write control means to select either NRZI data or FM data, and connected to each of the means, to the type of transaction specified by the input means. Control the money withdrawal process, the money deposit process, and the money transfer process accordingly, and select the FM modulation / demodulation means during the money transfer process and the NRZI modulation / demodulation means during other transactions. The controls the data selection means and a main control unit, enables the the multifunctional automated teller machine both handling of recorded passbook in transfer passbook and NRZI recording method recorded in FM system.