JPH0782509B2 - Automatic transaction processor - Google Patents

Description

Description: (a) Technical Field The present invention relates to an automatic transaction processing apparatus having a plurality of transaction modes such as payment, depositor, transfer, and currency exchange, and in particular, automatically activates the transaction mode when certain conditions are met. The present invention relates to an automatic transaction processing device that can be regulated.

(B) Conventional technology and its drawbacks In an automatic transaction processing device capable of executing a plurality of transaction modes such as a payment mode, a depository mode, a transfer mode, and a currency exchange mode, generally, bills, coins, etc. stored inside are The transaction mode is automatically regulated when the cash is out of stock or the stockers of banknotes and coins overflow. For example, when the cash is out, the payment mode cannot be executed, and when the overflow occurs, the depositor mode cannot be executed. However, for example, when continuous execution of a certain transaction mode is required, if all the transaction modes can be executed equally, there is a disadvantage that the operation efficiency of the automatic transaction processing device is significantly reduced. For example, if the payroll is automatically transferred to the bank account, it is considered that the payment mode will be continuously executed on the payday. In such a case, make sure that the payment mode and the exchange mode can always be selected. If this is done, there is a possibility that the exchange transaction, which is less inevitable for the customer to execute on the same day, may occur many times during the payment transaction, and the customer who wants the payment transaction will wait for a long time. Therefore, for example, if there are many customers who want to receive payment using lunchtime on the payday, all customers may not be able to make payment transactions during that lunchtime. There was an inconvenience that Moreover, such a decrease in the operating efficiency of the automatic transaction processing device is not limited to the above-mentioned payday, etc., and is not limited to the case where continuous execution of one transaction mode is required, and the normal time on a normal day. It often occurs in a band and when a plurality of transaction modes are continuously executed. For example, when a payment transaction and a depository transaction are repeatedly performed in succession, if a currency exchange transaction or a bookkeeping transaction, which is less necessary to be executed at that time, is performed,
The processing of payment transactions and depository transactions, which are more inevitable at that time than those transaction modes, may be significantly reduced.

(C) Object of the invention The object of the present invention is to automatically judge the state of a transaction operation when it is crowded and prohibit the operation of a predetermined transaction mode from among a plurality of transaction modes, so that An object of the present invention is to provide an automatic transaction processing device capable of improving services and achieving effective operation.

(D) Configuration and Effect of the Invention In the present invention, the inter-transaction measuring means for measuring the time interval between the previous trading operation and the current trading operation, and the time interval measured by the inter-transaction measuring means is a fixed time or less. In this case, it comprises a counting means for counting the number of consecutive times, and a means for prohibiting the operation of a predetermined transaction mode among a plurality of transaction modes when the count value by the counting means exceeds a certain value. It is characterized by

1 (A) and 1 (B) are diagrams for explaining the operating status of the automatic transaction processing device according to the present invention. The figure (A) shows the case where it is crowded, and the figure (B) shows the case where it is not so crowded. In the figure, P ₁ indicates the time when the transaction of the automatic transaction processing device starts. At the time of P ₁ , the transaction of a certain mode is started, and when the transaction ends, a certain waiting time is passed and the next transaction is performed. In the figure, the waiting time from the completion of the transaction at P _{1 to} the next transaction at P ₂ is represented as t ₁ . Similarly, the waiting time from the end of the transaction at P ₂ point to the start of the next transaction at P ₃ point is t ₂ . The automatic transaction processing apparatus constantly monitors this waiting time t _i , and the time is a fixed time T _i.
The number of consecutive times is counted when: Then, when the count value exceeds a certain value, the operation of a predetermined transaction mode among the plurality of transaction modes is prohibited. Now, n> When t ₁ ~t _n is equal to or less than all predetermined time T as N, i.e. the case shown in FIG. (A) is a trading mode predetermined at the time the transaction operation in the P _m points is completed It becomes impossible to operate.

On the other hand, when the waiting time on the way becomes a predetermined time T or more, the count value is cleared at that time. That is, from that time point, it is again determined whether or not the standby time is less than or equal to the certain time T, and if it is less than or equal to the certain time, the continuous number is counted from the beginning. In the case shown in FIG. 3B, the waiting time t ₂ from the end of the trading operation at the P ₂ point to the start of the next trading operation is longer than the fixed time T, so P ₃
The above counting is started again from the beginning from the trading operation at the point.

As described above, according to the present invention, when the time interval (waiting time) between the previous trading operation and the current trading operation is equal to or less than a certain time, the number of consecutive times is counted and the count value is equal to or more than the certain value. Since it is determined whether or not it becomes, the congestion status can be automatically known from the determination result. When the count value becomes a certain value or more, that is, when the traffic is congested, the operation of a predetermined transaction mode among a plurality of transaction modes is prohibited, so by appropriately selecting the prohibited transaction mode. The congestion can be eliminated, the service to the customer can be improved, and the operation efficiency of the automatic transaction processing device can be improved.

(E) Embodiment FIG. 2 is an external view of an automatic transaction processing apparatus (hereinafter referred to as ATM) which is an embodiment of the present invention.

On the front vertical panel surface of the ATM main body 1, there are arranged a "handling" indicator 2, a magnetic card insertion slot 3, and a passbook insertion slot 4. Also, on the horizontal panel surface, the coin outlet 7, the bill insertion,
A discharge port 5 and a CRT display screen 6 are arranged.

FIG. 3 is a block diagram of the ATM control unit. The overall control is performed by the CPU 10, the ROM 11 stores a control program, and the RAM 12 stores various transaction data and the like. A plurality of input / output devices are connected to the CPU 10 via an interface 13. The display unit 14 includes a CRT and displays operation guidance, amount of money, etc. on the CRT display screen 6. Input section 63 is CR
The input data is output to the interface 13 including the touch switch input unit arranged on the display screen of T.
The card reader 16 reads the magnetic stripe data of the magnetic card inserted in the magnetic card insertion slot 3 and outputs it to the interface 13. The printer 17 prints the transaction content on a slip and discharges it. The banknote processor 18 inserts banknotes, deposits the banknotes inserted into the discharge port 5, inserts banknotes, and discharges the banknotes into the discharge port 5. The coin processor 19 performs processing for discharging coins to the coin discharge port 7. The communication control unit 10 is connected to a center (not shown) by a line to transmit transaction data and the like.

Next, the operation of the above ATM will be described. FIG. 4 shows the operation when the prohibited transaction mode is set by the staff before the ATM operation.

First, in step n1 (hereinafter, "step ni" is simply referred to as "ni"), it is determined whether or not a prohibited transaction mode is set, that is, a regulation for prohibiting the operation of a specific transaction mode is performed during congestion. This judgment is "YES" on the CRT display screen 6,
"NO" is displayed and the touch switch corresponding to the display position is pressed. If there is no regulation, the operation preparation is finished as it is. If there are restrictions, decide which transaction mode to set as the prohibited transaction mode in n2 to n7. Then, the prohibited transaction mode is set at n8 to n13. Note that n
The determination in 2 to n7 is made based on whether or not the touch switch is pressed, as in n1.

Next, the operation during daily operation will be described with reference to FIG.
When the operation is started, all trading modes can be executed first in n20. Specifically, the permission flags corresponding to the respective transaction modes are assigned in the RAM 12 and all the permission flags are set. The CPU can only execute trading modes that have the flag set. Sixth
The figure shows the display status of the CRT display screen at this stage.

Next, at n21, the customer absence detection timer t = 0 is set. The no-customer detection timer t is an inter-transaction measuring means for measuring the time interval between the previous transaction operation and the current transaction operation. Next, at n22, the transaction number counter n = 0 is set. The transaction number counter n is a counting unit that counts the number of consecutive transactions when the time interval measured by the customer non-occupancy detection timer t is a fixed time or less.

After the above initial processing of n20 to n22 is completed, it is determined in n23 whether or not the operation is completed, and if not completed, it is determined in n24 whether or not the customer is detected. Whether or not the operation has ended is determined by whether or not the operation end setting has been made by another means. Further, customer detection is performed based on whether or not the touch switch is pressed by the customer. When any of the MS1 to MS6 touch switches is pressed in the display state shown in FIG.
Proceeding to n25, the transaction process corresponding to the pressed mode switch is executed. Then, at n26, the transaction number counter n is incremented. Further, at n27, the count value of the transaction number counter n is compared with the congestion status determination value N which is given in advance as a fixed value. If the count value of the transaction number counter n is smaller than the congestion state determination value N, n23 and below are executed again. By this repetition, the congestion status judgment value N
When becomes less than the count value of the transaction counter n, the process proceeds to n28.

On the other hand, if the touch switch is not pressed in n24, the process proceeds to n40, and it is determined that one second has elapsed. When one second elapses, the no-customer detection timer t is incremented at n40, and the process proceeds from n40 directly to n41 until one second elapses. At n41, the no-customer detection timer t is compared with the non-congestion situation determination value T which is set in advance as a fixed value. The non-crowded state determination value T is a value for determining whether or not the time interval between the previous trading operation and the current trading operation is within a certain time.
In the case of congestion, the value of T is larger than the value of t. In the case of non-congestion, the value of T is t or less. In the latter case
In n43, the transaction number counter n = 0 is set, and the above n22
Return to the initial state.

When the transaction operation of T> t is performed n times continuously by the above operation, the process proceeds from n27 to n28.

At n28, the operation of the predetermined transaction mode is prohibited. This prohibited transaction mode is set in n8 to n13. At n28, the flag corresponding to the prohibited transaction mode set at n8 to n13 is reset. This makes CP
U ceases to operate in its prohibited trading mode. Therefore C
The prohibited transaction mode is no longer displayed on the RT display screen. FIG. 7 shows a display state at the end of n28 when the exchange mode is set as the prohibited transaction mode. Transaction processing will be performed until the end of operation is set at n29 to n31.

As described above, the ATM of the present embodiment automatically determines the congestion time and regulates the transaction contents at the congestion time so that the congestion can be alleviated and the service to the customer is improved. be able to. It should be noted that the regulation of the transaction at n28 may allow a plurality of transaction modes to be selected.

[Brief description of drawings]

FIGS. 1 (A) and 1 (B) are diagrams for explaining the operation status of the automatic transaction processing apparatus according to the present invention, where FIG. 1 (A) shows the case where the traffic is congested, and FIG. 1 (B) is the traffic jam. The case is not shown. 2 is an external view of an automatic transaction processing apparatus according to an embodiment of the present invention, FIG. 3 is a block diagram thereof, FIG. 4 is a flowchart showing the operation of the automatic transaction processing apparatus before operation, and FIG. 5 is during operation. 3 is a flowchart showing the operation of FIG. Further, FIG. 6 shows a guide screen before transaction regulation, and FIG. 7 shows a guide screen when the exchange mode is regulated.

Claims (1)

[Claims] 1. An inter-transaction measuring means for measuring a time interval between a previous trading operation and a current trading operation, and counting the number of consecutive times when the time interval measured by the inter-transaction measuring means is a fixed time or less. An automatic transaction processing device comprising: a counting unit for controlling the operation of a predetermined transaction mode among a plurality of transaction modes when the count value of the counting unit exceeds a certain value.