JPH0713828B2 - Transaction processing system - Google Patents

Description

Description: TECHNICAL FIELD OF THE INVENTION The present invention relates to a transaction processing system used for cash withdrawal at a business office of a financial institution, etc., and particularly, to separate transaction processing and withdrawal processing. The present invention relates to a transaction processing system that is labor-saving.

[Background of technology]

The wave of automation of transaction operations in financial institutions is remarkable, and various automation devices have been introduced to save labor and speed up.

Some of the most frequent and time-consuming withdrawal operations among such transaction operations are automated by the introduction of automatic teller machines. The automatic teller machine allows the user to have a deposit card, and when paying, the user inserts the deposit card into the payer, operates the operation panel of the payer, and inputs necessary transaction items. Whether or not the transaction is possible is judged by the computer of the center and these input data, and if the transaction is approved, the payment machine pays the required cash.

With the advent of such automated teller machines, it is not the case that the withdrawal work at the counter of a financial store is completely unnecessary. That is, the use of the automatic teller machine is limited to the holder of the deposit card in the ordinary deposit account, and payments are not made on a regular basis or in the checking account. In the automatic teller machine, there is no human interaction. There are disadvantages to financial institutions and users because various fine-tuned services cannot be received. Therefore, at present, the payment operation by the automated teller machine is merely a support for the withdrawal business at the counter, and the handling at the counter still plays a major role in the withdrawal business. For this reason, labor saving of withdrawal work at the counter is demanded.

[Conventional technology and problems]

First to save labor in withdrawal work at such a counter
The two window processing systems shown in the figure are known.

As shown in FIG. 1 (A), the first window processing system is provided with a teller terminal 1 and a teller withdrawal machine 2 on the teller side in the window counter 3, and when the user B makes a payment transaction, the window is provided. The payment slip and passbook are passed to the teller A through the counter 3, and the teller A sends transaction data based on the payment slip to the teller terminal 1
Enter from the center and communicate with the center. When the transaction is approved, the transaction is printed in the passbook and the journal set in the teller terminal 1, the teller withdrawal machine 2 is given a withdrawal command of the payment amount, and the teller withdrawal machine 2 issues the transaction. The amount of cash is withdrawn. The teller A hands the printed passbook and cash to the user B, and performs withdrawal processing.

In such a first window processing system, the teller A has the advantage of being freed from the cash counting work, but cannot accept the next transaction until the transaction is approved, the cash is counted, and the transaction is handed to the user. There is a problem that the window processing capacity cannot be expected to be improved, and since the teller is under the control of the cash until the cash is handed to the user, even the cash counted by the teller withdrawal machine 2 becomes a slip again. There was also the problem that the mental burden on the teller was not great even if the mental burden on the teller was somewhat reduced by collating and recounting.

On the other hand, in the second window processing system, as shown in FIG. 1 (B), a withdrawal machine 2 ′ is provided in which the cash outlet of the teller withdrawal machine 2 of FIG. 1 (A) is directed to the user side. The configuration is similar to that of FIG. 1 (A). Instead of the teller A taking out cash from the withdrawal machine 2, the user directly takes out cash from the withdrawing machine 2 '. Only the printed passbook is handed to the user B.

In this second window processing system, the withdrawal process is separated from the transaction process.
Has no advantage of handling cash, but puts it into the next transaction processing, which has the advantage of reducing the mental burden on the teller and improving the window processing capability.

However, cash is withdrawn from the dispensing machine regardless of whether the user is in front of the dispensing machine, which may cause a problem in crime prevention. For example, since the withdrawal time differs depending on the withdrawal amount, if the user leaves the area immediately before the withdrawal machine during cash counting or if the user is late to go to the withdrawal machine, cash will be collected to other users. There was a problem that the user and the financial store side became anxious about the cash being surely delivered to the corresponding user, causing troubles.

In order to solve this, in FIG.
It is proposed that the withdrawal machine 2'is connected to the user, the passbook or the number tag is returned to the user, and the user inserts the passbook or the number tag into the withdrawal machine 2'to withdraw the transaction cash. (See, for example, JP-A-57-169872).

Based on the same idea, the cash payment machine is divided into an operation machine operated by the user and a payment machine, and the user operates the operation machine to make a card that records the amount of withdrawal issued by authentication of withdrawal. A transaction system in which cash is received by inserting a card for a payment machine has also been proposed (see, for example, JP-A-52-110543).

However, even in this case, there were the following problems.

In general, the reason for withdrawal is not for the purpose of possessing cash but for the purpose of shopping with the cash, so with a passbook, number tag, card, only withdrawal at the financial institution is possible. It is inconvenient because it cannot be used at other stores without withdrawing cash.

In addition, it is inconvenient because it is necessary to make a withdrawal transaction at one time and a plurality of transactions such as cash withdrawal and shopping cannot be performed.

[Object of the Invention]

An object of the present invention is to provide a transaction processing system that can separate transaction processing and withdrawal processing, improve transaction processing capability, and perform various transactions.

[Structure of Invention]

For the above-mentioned purpose, the present invention relates to a transaction processing system in which transaction processing and withdrawal processing are separated, inputs transaction data, communicates with a center that determines whether or not transactions are possible, and pays withdrawal transactions. A terminal that issues a transactionable cash card for both withdrawal and settlement that records the amount, a withdrawal machine that reads the payment amount of the cash card and performs a withdrawal transaction within the payment amount, and the cash card It is characterized by having a payment machine for reading the payment amount and performing a payment transaction.

Further, in the embodiment of the present invention, the card device records the payment amount cumulatively on a cash card possessed by the transaction client.

Example of Invention

 Hereinafter, the present invention will be described in detail with reference to Examples.

FIG. 2 is a block diagram of an embodiment of the present invention. In the figure, the same parts as those in FIG. 1 are indicated by the same symbols, and 4 is a card issuing device, which pays to the inserted cash card CC. The one that writes the amount and returns it to Teller A, 5 is a cash dispenser, and the cash card CC that the user (transaction requester) handed over from Teller A
Insert a card and insert a cash card within the payment amount recorded in the cash card CC
Is to withdraw money.

FIG. 3 is a block diagram of the card issuing device shown in FIG.
FIG. 3 (A) is its front view, and FIG. 3 (B) is its internal configuration diagram. In the figure, 40 is a cash card insertion slot, and teller A is a new cash card or user B is a teller at teller A
It is for inserting the cash card handed over to and returning the cash card from the inside after recording is completed. 41 is read
A recording unit is for reading the contents of the cash card and recording data on the cash card, and 42 is a control unit for performing a desired calculation based on the data from the reading / recording unit 41 and recording it. The data is created.

FIG. 4 is a block diagram of the cash card CC having the structure shown in FIG. 2, in which CC-1 is a connector part thereof for electrically connecting to the reading / recording part 41 and the like, CC-2. Is a memory unit, which is composed of a semiconductor memory and its peripheral circuits, and stores data necessary for payment of cash, such as an issuing bank number, an ID code, a user's secret code,
The payment amount and the like are stored.

FIG. 5 is a perspective view of the teller terminal (hereinafter referred to as OTM) 1 having the configuration shown in FIG. 2. In the figure, 10 is an input unit, which is composed of a keyboard, and the teller inputs transaction data and commands. For display, 11 is a display for displaying input data, external data, and commands, 1
Reference numeral 2 is an insertion port of the passbook entry section, which is for inserting a passbook to be recorded into the internal entry section.

FIG. 6 is a block diagram of the configuration of FIG. 2, in which the same components as those shown in FIGS. 2 to 5 are designated by the same symbols, and 13 is a control unit of the OTM1, A microprocessor which controls the entire OTM1 by using the internal memory 13a, 14 is a communication control unit, which controls communication for communicating with the center, 15 is an interface circuit, and a card issuing device 4 is for exchanging data with 4, and 43 is an interface circuit 15 of the card issuing device for exchanging data with OTM1.

In the embodiment shown in FIGS. 2 to 6, the OTM1 and the card issuing device 4 are connected to each other, and the OTM1 controls the card issuance to issue a cash card. Consists of a payment machine for cards.

Next, the operation of the configuration of the embodiment shown in FIGS.
This will be described with reference to the processing flow chart of the figure.

User B requests a transaction (payment, transfer, etc.),
Hand slips (such as slips and slips) and passbooks to teller A through counter 3. The teller A inputs transaction data (account number, transaction type, transaction amount, etc.) from the input section 10 of the OTM1 based on the slip, and the control section 13 stores it in its own memory 13a and displays it on the display 11, and teller A When the transmission key of the input unit 10 is pressed, data is transmitted to the center via the communication control unit 14.

The center computer uses a file that stores the deposit balance for each user to approve or reject the transaction. For example, in the case of a payment transaction, the deposit balance of the account is compared with the transaction amount to determine approval / denial. In the case of a transfer transaction, the approval / disapproval is determined based on whether the transfer destination account exists.
As a result, if the transaction is approved, the approval signal and the processing data (updated deposit balance, etc.) are sent to the OTM1 by the center if the transaction is not approved.

OTM1 sends the telegram of these signals from the center to the communication control unit 14
Received by the control unit 13 and stored in its own memory 13a,
Analyze the received message. When the control unit 13 determines that the transaction approval / disapproval signal is received, this is displayed on the display 11, the transaction processing is ended, and the teller A takes appropriate action.

Conversely, when the control unit 13 determines that the transaction approval enable signal has been received, this is displayed on the display 11 and the passbook insertion slot is displayed.
Prompt set to 12. And the control unit determines whether there is a withdrawal amount
13 checks from the received electronic message, and if there is a withdrawal amount, it is determined that a cash card is required to be issued, and it is displayed on the display 11 to prompt the teller A to insert the cash card into the card issuing device 4.

Next, the control unit 13 edits the issued data. At this time, in the case of issuing a new card, teller A inputs the user's secret code and that it is a new card by OTM1. Control unit 13
Is a new card, issuing bank number, card number (ID),
The customer's secret code, withdrawal amount, expiration date, etc. are edited as issuance data, and if it is not a new card, only the card number and withdrawal amount are edited as issuance data. Then, it is transmitted to the card issuing device 4 through the interface circuit 15.

When there is no withdrawal amount in the step or after the issuance data is transmitted to the card issuing device 4, the control unit 13 sets the bookkeeping unit (insertion slot).
Data such as the balance transaction amount in the memory 13a is recorded in the passbook set in 12.

Then, the teller A hands over the booked passbook and the cash card CC (in case of withdrawal) to the user B, and ends the transaction processing.

Next, the operation of the card issuing device 4 will be described. When the cash card insertion is displayed on the display 11 of the OTM 1 in the above step, the teller A inserts the new card or the cash card CC received from the user B into the insertion slot 40. The cash card CC thus inserted is electrically connected to the reading / recording unit 41 and the connector unit CC-1. When the control unit 42 receives the issued data via the interface circuit 43,
Whether or not it is a new card is determined from the issued data. If it is a new card, the issued data is recorded as the read / record unit.
The reading / recording unit 41 records the record data in the cash card CC and stores the record data in the memory unit CC-2. On the other hand, when the card is not a new card, the control unit 42 instructs the reading / recording unit 41 to read the data of the cash card CC and causes the data of the cash card CC to be read. Then, the control unit 42 accumulates the withdrawal amount of the received withdrawal data to the payment amount of the read data, creates record data, sends the record data to the read / record unit 41, and pays the payment in the memory unit CC-2. Rewrite the amount to the cumulative payment amount.

Next, the reading / recording unit 41 disconnects the electrical connection with the cash card CC and enables the cash card CC of the teller A to be taken out. Teller A takes out the cash card CC and hands it to the user B as described above.

In this way, after the transaction processing, Teller A is released from the withdrawal processing by handing the cash card to the user and does not need to handle the cash. With completion of Teller A, the teller A can be put into the next transaction processing, so that the window processing capability is improved.

On the other hand, since the user is given a cash card with the payment amount as a substitute for the cash, the user can always receive the cash within the payment amount, for example, the cash payment machine 5 described later.
With this, you can receive withdrawal cash immediately and safely. Further, when it is a small amount of cash such as change and it is not necessary to obtain the cash immediately, the cash dispenser 5 can be operated at a later convenient time to receive the cash. Further, in a retail store or the like provided with a terminal (payment machine) capable of processing such a cash card, goods can be purchased with the cash card CC, which is extremely convenient for the user.

Next, the cash dispenser having the configuration shown in FIG. 2 will be described.

FIG. 8 is a detailed configuration diagram of the cash dispenser having the configuration shown in FIG. 2 using the cash card CC, and FIG.
FIG. 5 is an internal configuration diagram of FIG. (B), in which 50 is a cash card insertion slot for a user to insert a cash card CC, 51 is a reading / recording unit, and the inserted cash card CC
For reading or recording the contents (data) of the, 52 is a cash safe, which stores cash such as banknotes and coins to be dispensed, 53 is a cash withdrawal unit, and commands from the cash safe 52 The one that counts and takes out the cash of the taken out amount, 54 is a discharging part, pools the cash taken out by the cash taking part 53,
Items to be discharged to the take-out port, 55 to be a cash take-out port, to let the user B take out the dispensed cash, 56 is a key input section, which the user operates to input the requested payment amount, etc. ,Five
7 is a display unit for displaying operation instructions, 58
Is a control unit that controls the entire apparatus, and is constituted by, for example, a microprocessor.

Next, the operation of the configuration of the embodiment of FIG. 8 will be described with reference to the processing flow chart of FIG.

The control unit 58 detects whether the cash card CC is inserted into the card insertion slot 50 by a sensor (not shown) provided at the entrance 50, and when the cash card CC is inserted, the reading / recording unit.
The data of the cash card CC inserted in 51 is read.

Next, the control unit 58 checks the read card data to determine whether it is for a bank that can handle the issuing bank number, for a card that can handle the card number, or if the expiration date is within the specified period, and the card is valid. Determine sex. If the card is not valid (NO), collect the card, notify the teller, and end.

If it is valid (OK), it is displayed on the display 57 so that the password (ID data) is input, and the user inputs the password from the key input unit 56 accordingly. The input secret code is collated by the control unit 58 with the secret code included in the card data read in step, and it is determined whether or not they match, and the identity is confirmed. If they do not match, collect the card, notify the teller, and end. If the passwords do not match, the secret code may be input again, and if none of the multiple input matches, the card may be collected.

When a match is detected by collation and the identity is confirmed (OK), the control unit 58 causes the display 57 to prompt the user to enter the requested payment amount, and the user accordingly inputs the requested payment amount from the key input unit 56. To do.

The control unit 58 compares the input payment request amount with the payment amount included in the card data read in the step, and determines whether the payment request amount is within the payment amount. If you pay more than the amount paid, you can't pay, so return the card.

On the contrary, if the demanded payment amount is within the payment amount, the control unit 58 gives the takeout unit 53 a takeout command with the demanded payment amount as the withdrawal amount.
As a result, the take-out unit 53 takes out the cash corresponding to the amount of withdrawal by the cash safe 52 and gives it to the discharge unit 55.

Further, the control unit 58 calculates a payment remaining amount obtained by subtracting the requested payment amount from the payment amount, and sends it to the reading / recording unit 51 to update the payment amount of the cash card CC to the payment remaining amount.

Next, the control unit 58 opens a shutter (not shown) of the discharging unit 54, sends out cash to the outlet 55, and disconnects the cash card CC of the reading / recording unit 51 electrically.

As a result, the user can take out cash from the take-out port 55 and take out the cash card CC from the card insertion port 50.

Further, the control unit 58 uses a sensor (not shown) provided at the ejection port 55 and the card insertion port 50 to detect the ejection port 55 and the card insertion port.
From 50, user B detects the withdrawal cash and withdrawal of the cash card, completes the withdrawal operation, and returns to the initial state.

In the above steps, instead of returning the card without paying the card, the payment amount may be paid.

By issuing a cash card in this way, the user can make automatic payments (withdrawals) with a cash card, and no one other than the card holder can withdraw money, and no one other than the machine operator using the card. So it's safe. In the above-described embodiments, the example in which the semiconductor memory is used as the cash card has been described, but a card having another storage medium may be used. The card issuing device may be provided with a stacker for storing the new card in advance, and the new card may be taken out and issued from the stacker without the teller inserting the new card. Further, the cash card may be configured to be usable only once.

Although the present invention has been described above with reference to the embodiments, the present invention can be variously modified according to the gist of the present invention, and these modifications are not excluded from the present invention.

[Effects of the Invention] As described above, according to the present invention, the following effects are achieved.

Since the cash card is issued from the terminal device that communicates with the center that determines whether or not the transaction is possible, the transaction process and the withdrawal process can be separated.

A cash card that can be used for both withdrawal and payment is issued from the terminal machine, and since a withdrawal machine and a payment machine using this card are provided, it can be used as it is for shopping etc without cash withdrawal, Since the labor of operating the dispensing machine is saved and the dispensing machine is not required to be operated, it is not necessary to wait for time during congestion.

Since the cash card is capable of both withdrawal and payment, you can use part of the payment amount for cash withdrawal and the other for payment such as shopping,
Various transactions with cash cards are possible.

[Brief description of drawings]

FIG. 1 is a block diagram of a conventional window processing system, FIG. 2 is a block diagram of an embodiment of the present invention, FIG. 3 is a block diagram of an embodiment of a card issuing device in the structure of FIG. 2, and FIG. FIG. 5 is a block diagram of an embodiment of a cash card in the configuration shown in FIG. 5, FIG. 5 is a block diagram of the terminal for teller in the configuration shown in FIG. 2, FIG. 6 is a block diagram of an embodiment of the configuration shown in FIG. 2, and FIG. FIG. 8 is a flow chart of the operation process of the block diagram of FIG. 8, FIG. 8 is a block diagram of an embodiment of the cash dispenser in the configuration of FIG. 2, and FIG. 9 is a flow chart of the operation process of the configuration of FIG. In the figure, 1 …… Teller terminal, 3 …… Counter counter, 4 …… Card issuing device, 5 …… Cash payment machine, CC …… Cash card.

Claims (1)

[Claims] 1. A transaction processing system in which transaction processing and withdrawal processing are separated by a separate device, transaction data including a payment amount requested by a customer is input, a transaction is made, and a withdrawal transaction is performed to communicate with a center. In the case of yes, while recording the payment amount, a transaction processing terminal that issues a transactionable cash card for both withdrawal and payment without withdrawal, and reading the payment amount of the cash card, Withdrawal processing within the payment amount and withdrawal processing machine for recording the remaining amount as a new payment amount in the cash card, and the payment amount of the cash card are read, and the transaction within the payment amount is performed. A transaction processing system comprising: a settlement machine that performs a settlement transaction without withdrawal and records the remaining amount after the transaction as a new payment amount in the cash card.