JPH10222729A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve service for customers by performing payment and receiving transaction by check. SOLUTION: When payment is selected through a touch panel 2 and a card is inserted into a card R/W 3 according to a display image, customer information is read from the card and stored on memory of a main controlling part 8. Next, when a password number is inputted, its information is stored on the memory of the part 8. When a desired sum to be paid is inputted through the panel 2, the part 8 shows an image that makes a customer select the existence of payment by check on the panel 2. When 'payment only by check' is selected, the part 8 counts the number of checks and stores check numbers and information about sums in memory. When the part 8 receives information that transaction is available by communicating with a host computer, it makes detailed transaction to be printed on a receipt and a bankbook, returns the card and the bankbook, ejects the receipt and ejects bills and coins when cash is to be paid.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a customer-operated automatic transaction apparatus (automatic deposit and payment machine) used in financial institutions such as banks.

[0002]

2. Description of the Related Art In a financial institution such as a bank, all checks issued and deposited by a check are accepted at a counter and processed by a designated person. Therefore, when a customer intends to receive a check. Or, if you try to deposit the amount of the face value of your check into your own account, you have to go to a window such as a bank to carry out the procedure.

[0003]

However, according to such a conventional technique, there is a problem that a customer cannot receive a check after the business hours of a financial institution or on a holiday or cannot deposit money by check. In addition, there is a problem in that it is inconvenient for customers because it is necessary to go to a counter even during business hours of a financial institution.

On the other hand, in financial institutions, automatic transaction devices capable of performing transactions such as payment, deposit, passbook entry, balance inquiry, transfer, and transfer by customer operations are widely used.
This automated teller machine is operated at night and on holidays, and is also operated at stores such as department stores and some private companies.However, there is no model that handles checks in these automated teller machines. Is the current situation.

[0005] Accordingly, the present invention solves the above-mentioned problems by enabling the payment by check and the deposit transaction by check in an automatic transaction device, contributing to the improvement of service to customers and the uniqueness of financial institutions. The task is to

[0006]

SUMMARY OF THE INVENTION Accordingly, the present invention provides an automatic transaction apparatus for performing various financial transactions including a payment transaction and a deposit transaction by a customer's operation, and a check for performing payment by check and depositing by check. The check processing unit includes a payment check storage unit that stores a payment check, a payment check storage unit that stores a payment check, and a payment check and a payment check. A reading means for reading the amount and the check number printed on the check, a printing date printed on the payment check drawn out from the payment check storage unit at the time of the payment transaction, and a deposit check inserted by the customer at the time of the deposit transaction. Printing means to print the customer's deposit account number at the time of payment Rutotomoni, the time of deposit transaction, characterized in that a configuration and a temporary holding portion for integrated withheld until the check after reading by said reading means transactions determined.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of an automatic transaction apparatus according to the present invention will be described with reference to the drawings. 1 is a block diagram showing an embodiment of an automatic transaction apparatus according to the present invention, FIG. 2 is a schematic diagram of a check processing unit provided in the apparatus of FIG. 1, and FIG. 3 is a block diagram of a system including the automatic transaction apparatus of FIG. It is.

First, in FIG. 3, reference numeral 1 denotes a customer-operated automatic transaction device installed at an unmanned corner of a financial institution,
Reference numeral 17 denotes a teller terminal for teller operation installed at the counter of the financial institution. Reference numeral 18 denotes a host computer installed at the center of the financial institution. The automatic transaction apparatus 1 and the counter terminal 17 are connected via a communication line 19 to the host. It is connected to the computer 18 online.

[0009] As shown in FIG.
To communicate with a touch panel 2, a card reader / writer (hereinafter, referred to as a card R / W) 3, a passbook bookkeeping unit 4, a bill depositing / dispensing unit 5, a coin depositing / dispensing unit 6, and a host computer 18 which are usually provided for customer operation. In addition to a communication control unit 7 and a main control unit (control means) 8 for controlling them, a check processing unit 9 is newly provided.

Here, the touch panel 2 is configured such that a key group composed of transparent electrodes is superimposed on a display unit such as a CRT or an LCD, and the keys displayed on the display unit are touched from above the transparent electrodes to perform input. It is configured. As shown in FIG. 2, the check processing section 9 includes an insertion / ejection port 10, a payment check storage section 11, a deposit check storage section 12, a transport path 13, a print head (printing means) 14, and a MI.
CR read section (reading means) 15 and temporary storage section 1
6, the insertion / ejection port 10 is connected to the payment check storage unit 11 and the payment check storage unit 12 by the transport path 13.

Then, the print head 1 is
4 and an MICR lead portion 15 are arranged. Further, a temporary holding section 16 is provided near the insertion / ejection port 10 of the transport path 13, and the temporary holding section 16 is a check conveyed by the transport path 13. And a plurality of checks can be accumulated and retained, and checks can be separated one by one and sent out to the transport path 13.

The check for payment processed by the check processing section 9 has a fixed face value (for example, 100,000 yen) in advance.
And the check number and the like are printed in advance, and the amount, the check number, and the like can be read by the MICR reading unit 15. FIGS. 4 and 5 are flowcharts showing the operation of the embodiment having the above-described configuration. Next, referring to the flowchart, the payment transaction including the handling of a check and the deposit transaction will be described in accordance with the steps indicated by S.

First, the payment transaction shown in FIG. 4 will be described. The customer selects a payment transaction on the touch panel 2 of the automatic transaction apparatus 1 (S1), and inserts a card into the card R / W 3 according to the display screen of the touch panel 2 (S2). The inserted card is sent to a reading unit of the card R / W3, and customer information such as an account number, a branch name, and a customer name on which a magnetic stripe is written is read, and the main control unit 8 is read.
Is stored in the memory.

Next, when the customer inputs a password according to the display screen of the touch panel 2 (S3), the information is stored in the memory of the main control unit 8, and the main control unit 8 inputs the payment amount. A prompting screen is displayed on the touch panel 2. As a result, when the customer inputs the amount to be paid on the touch panel 2 (S4), the main control unit 8 displays a screen on the touch panel 2 for selecting whether or not to pay by check.

The screen at this time includes, for example, "payment only for cash (banknotes and coins)", "payment only for check",
The three types of "payment of cash and check" are displayed, and the customer selects one of them (S5). Customer has touch panel 2
When "payment of checks only" or "payment of cash and checks" is selected, a screen prompting the user to input the number of checks for payment is displayed on the touch panel 2, and when the customer inputs the number of copies, The control unit 8 performs a check counting for the input (S6).

This counting is performed by multiplying the amount of one check paid by the automatic transaction apparatus 1 by multiplying this amount by the number entered, since the amount is set in advance as described above. Whether the total amount of checks for the input number, which is the counting result, is equal to or less than the input payment amount, and whether or not the payment amount is equal to or less than the one-time transaction limit set by the automatic transaction apparatus 1 set by the financial institution. It is checked whether or not the condition of “quantity × check amount ≦ payment amount ≦ transaction limit amount” is satisfied.

At this time, the check processing section 9 controls the main control section 8
Is sent from the check storage unit 12 for payment to the transport path 13 for the number of input, and the MIC of the check is sent.
Check number and amount printed in advance on R
After reading each check by the R lead unit 15, the print date and the like are printed on each check by the print head 14 and accumulated in the temporary holding unit 16.

The MICR read unit 1 of the check processing unit 9
The information such as the check number and the amount of money for each check read in step 5 is stored in the memory of the main control unit 8, and then the main control unit 8 communicates with the host computer 18 at the center by the communication control unit 7 (S7). . In this type of automatic transaction apparatus, usually, a transaction request message requesting permission of the transaction is transmitted to the host computer 18 of the center, and after receiving the transaction response message from the host computer 18, the counting process of cash, that is, the counting process of bills and coins is performed. In the case of a check, the check number, the number, and the total amount need to be notified to the center host computer 18 when the transaction request message is transmitted, in order to manage the check number, the number, and the like in the center host computer 18. Therefore, in the present embodiment, the check processing for payment is performed before transmitting the transaction request message.

In this communication, information such as the customer information and the personal identification number, the number of checks counted, the number of copies, and the total amount are sent from the automatic transaction apparatus 1 to the host computer 18 of the center together with the transaction request message.
In step 8, the sent customer information and personal identification number are collated with information stored in a database (not shown), and a transaction response message indicating that transaction is possible or impossible is transmitted from the host computer 18 to the automatic transaction apparatus 1. Can be

When the main controller 8 of the automatic transaction apparatus 1 receives the information indicating that the transaction is impossible from the host computer 18, the main controller 8 displays a statement to that effect on the display screen of the touch panel 2 and ejects the card from the card R / W3. And abort the transaction. At this time, the payment check held in the temporary holding unit 16 of the check processing unit 9 is separated one by one, conveyed to the print position of the print head 14 by the conveyance path 13, and printed after invalidation. It is conveyed and stored in the deposit check storage unit 12 through the path 13.

On the other hand, when the main controller 8 receives from the host computer 18 the information that the transaction is possible, the main controller 8 prints the transaction details on the receipt by a receipt printing unit (not shown). Then, the transaction details are printed on the passbook (S8). After that, the main control unit 8 needs to release cash, that is, if payment of cash only is selected in S5, or if payment of cash and check is selected in S6, the banknote deposit and withdrawal unit 6 and The coin depositing / dispensing unit 6 performs a cash counting process.

The operation of the banknote depositing / dispensing section 6 and the coin depositing / dispensing section 6 at the time of the cash counting process is performed in the same manner as in the prior art, and is not directly related to the present invention. In the case of a check payment, the amount calculated by subtracting the check amount from the payment input amount is counted (S9). When the counting is completed, the card R /
The card is returned to the customer from W3 (S10). At this time, the receipt is released, and if there is a passbook, the passbook is also returned.

Thereafter, a shutter (not shown) provided at the insertion / ejection port 10 of the check processing section 9 is opened in accordance with an instruction from the main control section 8, and the payment check held in the temporary holding section 16 is inserted into the insertion / ejection port. 10 and the cash deposit / withdrawal unit 6 and the coin deposit / withdrawal unit 6 when cash is paid.
, The banknotes and coins are released (S11), and the transaction ends.

Next, the deposit transaction shown in FIG. 5 will be described. The customer selects a deposit transaction on the touch panel 2 of the automatic transaction apparatus 1 (S1), and inserts a card or passbook into the card R / W 3 or the passbook entry section 4 according to the display screen of the touch panel 2 (S2). The inserted card or passbook is sent to the card R / W 3 or the reading section of the passbook entry section 4, where customer information such as the account number, branch name, and customer name on which the magnetic stripe is written is read, and the main control section is read. 8
Is stored in the memory.

Subsequently, the main controller 8 displays a screen for selecting whether or not to pay by check on the touch panel 2. On the screen at this time, for example, three types of “payment of cash (banknotes and coins) only”, “payment of checks only”, and “payment of cash and checks” are displayed, and the customer selects one of them. (S3).

When this selection is completed, the main control unit 8 displays a screen for prompting insertion of a check or cash for deposit on the touch panel 2, whereby the check or cash is processed by the check processing unit 9 or the bill depositing / dispensing unit 5. Is inserted into the coin depositing and dispensing section 6. It is also possible to omit the selection in S3 and directly proceed to the check or cash insertion.

When a deposit check or cash is inserted, the control unit 8 checks the check processing unit 9 or the banknote deposit and withdrawal unit 5.
Counting is instructed to the coin depositing / dispensing unit 6, whereby a check or cash is counted (S4). In this embodiment, counting of checks for deposit is performed as follows. First,
When a shutter (not shown) provided at the insertion / ejection port 10 of the check processing unit 9 is opened and the customer inserts a check for deposit from the insertion / ejection port 10, the check is transferred to the transport path 13.
To the MICR lead unit 14 to send the check MI
The print check number, the amount of money, and the like are read on the CR, and when the reading cannot be performed normally, the print check is returned to the insertion / ejection port 10 by the transport path 13 and returned to the customer. However, when the reading is completed normally, the reading is performed. The stored information is stored in the memory of the main control unit 8, and the check is conveyed to the temporary holding unit via the conveyance path 13, and waits for the next check insertion.

At the time of waiting for insertion of the next check for deposit, the main control unit 8 displays the total amount of the read check on the screen of the touch panel 2 and at this time, displays the "confirmation key", Pressing the "confirmation key" is valid. When the next check is inserted, the same processing is performed again. It should be noted that the face value of the check in this deposit transaction is 1
As long as it is within the transaction limit, it may be different from the face value of the check for payment issued by the automatic transaction apparatus 1.

At this time, if cash is inserted into the banknote pay-in / pay-out section 5 or the coin pay-in / pay-out section 6, the counting of cash is performed in the discriminating section in parallel with the check counting processing, and the predetermined temporary holding section And the count amount is displayed together with the total amount of the check. The information on the total amount of the cash is also stored in the main control unit 8.
Is stored in the memory. Here, it is assumed that the customer inserts checks one by one. However, depending on the specifications of the check processing unit 9, it is also possible to insert a plurality of checks at the same time as bills and separate and convey them one by one.

When the counting of the check and cash is completed, and the customer views the displayed amount and presses the "confirmation key" (S
5) The main controller 8 communicates with the center host computer 18 by the communication controller 7 (S6). In this communication, the automatic transaction apparatus 1 sends the customer information, information such as the number of checks counted, the number of copies, the total amount and the like, and if there is cash, information such as the total amount together with the transaction request message to the host computer 18. The host computer 18 compares the sent customer information with information stored in a database (not shown), and sends a transaction response message indicating that the transaction is possible or impossible from the host computer 18 to the automatic transaction apparatus 1. Sent to

When the main controller 8 of the automatic transaction apparatus 1 receives the information indicating that the transaction is impossible from the host computer 18, the main controller 8 displays the wording or the like on the display screen of the touch panel 2, and counts the number of checks, cash, and card. The transaction is stopped by discharging the passbook or the passbook, but when the information of possible transactions is received, a transaction statement is printed on the receipt by a receipt printing unit (not shown), and if the passbook is further inserted into the passbook entry unit 4, the passbook is printed. Also prints a transaction statement (S7).

Thereafter, the check held in the temporary holding unit 16 of the check processing unit 9 is transferred to the printing position of the print head 14 by the transfer path 13 according to an instruction of the main control unit 8, and the deposit account read from the card or passbook is read. After the number or the like is printed, it is conveyed to the deposit check storage unit 12 by the conveyance path 13 and stored. When cash is received, the banknotes and coins accumulated in the banknote depositing / dispensing section 6 and the temporary holding section of the coin depositing / dispensing section 6 are stored in a predetermined storage section (S8).

When the storage is completed, the card is returned to the customer from the card R / W3, and at the same time, the receipt is released, and if there is a passbook, the card is returned (S).
9) The transaction ends.

[0034]

As described above, the automatic transaction apparatus according to the present invention comprises a payment check storage unit for storing a payment check, a payment check storage unit for storing a payment check, and a payment check. Reading means for reading the amount and the check number printed on the check for deposit, and the issue date printed on the check for payment paid out from the payment check storage unit at the time of the payment transaction, and inserted by the customer at the time of the deposit transaction. Printing means for printing the customer's deposit account number on the check for depositing, and collecting and holding the check after printing the issue date at the time of payment transaction until the transaction is confirmed, and for deposit after reading by the reading means at the time of deposit transaction. A check processing unit having a temporary holding unit for collecting and holding checks until the transaction is confirmed is provided. Payment, and is made possible payment by check in payment transactions.

Therefore, according to this, the customer can receive a check after the business hours of the financial institution or on a holiday or can make a deposit by check, so that the service for the customer can be improved. The above-mentioned effect can be obtained, and also the financial institution can reduce the amount of work in the counter operation, save labor in the counter operation, and obtain the effect of improving the work efficiency.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of an automatic transaction device according to the present invention.

FIG. 2 is a schematic diagram of a check processing unit provided in the automatic transaction apparatus of FIG. 1;

FIG. 3 is a block diagram of a system including the automatic transaction apparatus of FIG. 1;

FIG. 4 is a flowchart showing the operation of the embodiment.

FIG. 5 is a flowchart showing the operation of the embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Touch panel 3 Card R / W 4 Passbook bookkeeping part 5 Banknote deposit / withdrawal part 6 Coin deposit / withdrawal part 8 Main control part 9 Check processing part 10 Insertion / ejection port 11 Check storage part for payment 12 Check storage part for payment 13 Conveyance path 14 Print head 15 MICR read section 16 Temporary storage section 18 Host computer

Claims (4)

[Claims] 1. An automatic transaction apparatus for performing various financial transactions including a payment transaction and a deposit transaction by a customer's operation, comprising a check processing unit for performing a check payment and a check deposit. Automatic transaction equipment. 2. The automatic transaction apparatus according to claim 1, wherein the check processing unit includes: a payment check storage unit that stores a payment check; a payment check storage unit that stores a payment check; Means for reading the amount and the check number printed on the check and the deposit check, and the issue date printed on the payment check drawn out from the payment check storage unit at the time of the payment transaction, and at the time of the deposit transaction Printing means for printing the customer's deposit account number on the inserted check for payment, and a check after the issuance date printed at the time of the payment transaction is accumulated and held until the transaction is confirmed, and at the time of the deposit transaction, the check after reading by the reading means is performed. An automatic transaction device, comprising: a temporary holding unit that holds a check until a transaction is confirmed. 3. The automatic transaction apparatus according to claim 1, wherein payment by check and payment by cash at the time of payment transaction are made possible by one transaction, and payment by check and cash deposit at the time of deposit transaction are made by one transaction. An automatic transaction device characterized by being made possible. 4. The automatic transaction apparatus according to claim 1, wherein
The payment check amount and check number paid out from the payment check storage unit at the time of the payment transaction are read by the reading means, and the information of the amount and the check number is sent to the center host computer together with a message requesting permission of the transaction with the center host computer. An automatic transaction apparatus for sending to a host computer installed in a center of a financial institution.