JP2002342834A - Automatic teller machine operating system and automatic teller machine operating host computer - Google Patents

Abstract

(57) [Summary] [Problem] To provide an automatic teller machine operation system that can unify the operation of the automatic teller machine and can perform the efficient operation. An operation host computer connected to a cash automatic transaction device that handles cash and conducts transactions through a communication line, the operation host computer monitors an operation status of the cash automatic transaction device, and It is connected via a communication line to a transaction host computer in which information relating to the entry and exit of cash in the automatic teller machine is processed by processing transactions of the automatic teller machine and managing transaction information,
When a transaction relating to cash entry / exit is performed by the automatic teller machine, the transaction host computer is notified of a request to update information relating to the cash entry / exit.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an automatic teller machine operating system and an automatic teller machine operating host computer.

[0002]

2. Description of the Related Art In a conventional operation system of an automatic teller machine, for example, an automatic teller machine and a host computer are connected via a communication line as disclosed in Japanese Patent Laid-Open No. And those that manage the amount of media movement.

On the other hand, Japanese Patent Application Laid-Open No. H11-312204 discloses an automatic machine monitoring device for centrally monitoring the operation state of an automatic teller machine installed in each store.

[0004]

In the conventional automatic teller machine operation system, the operation and management of cash is performed by a financial institution. On the other hand, maintenance and maintenance of the automatic teller machine itself
The management was performed by a maintenance service company.

[0005] In such a conventional system, there are aspects in which human and financial duplications occur, and inefficient operation as a whole is performed. Furthermore, it is expected that the demand for financial institutions to outsource the operation management department will become prominent in the future.

The present invention has been made in view of the various situations described above, and proposes a system and an operation host computer for an operation service company to efficiently operate an automatic teller machine.

[0007]

In order to solve the above-mentioned problems, for example, an automatic teller machine and an operation which is connected to the automatic teller machine via a communication line and monitors the operation status of the automatic teller machine. An automatic teller machine operation system having a host computer, a transaction host computer for processing the transactions of the automatic teller machine and managing the transaction information, and a database provided on the transaction host computer and recording transaction information for each user And has the following features.

[0008] First, the database includes an operation recording unit for recording transaction information relating to the entry and exit of cash in the automatic teller machine and the amount of operating funds. Notify the transaction host computer of a request to update the balance of the operating fund recorded in the operation recording unit after the transaction related to cash entry and exit has been performed, the transaction host computer after receiving the notification The balance of the operating fund is updated so that the balance of cash recorded in the operation recording unit and the amount of cash and the balance in the automatic teller machine become constant before and after the transaction relating to the entry and exit of the cash.

Secondly, the database includes an operation recording unit for recording transaction information relating to cash entry and exit in the automatic teller machine and an operation fund amount, and the transaction host computer relates to the cash entry and exit. After the transaction is performed, transaction information related to the entry and exit of the cash recorded in the operation recording unit is recorded, and the remaining amount of the operation fund and the amount of cash in the automatic cash transaction device recorded in the operation recording unit. Is updated so that the total amount becomes constant before and after the transaction relating to the cash inflow and outflow, and the operation host computer is notified that the balance has been updated.

Further, for example, in an automatic teller machine operating system which is connected to the automatic teller machine via a communication line and monitors an operation status of the automatic teller machine, the operating host computer comprises: After the transaction related to the entry and exit of cash is performed by the automatic teller machine, for the transaction host computer that processes the transaction of the automatic teller machine and manages the transaction information,
The transaction host computer is provided with a database that records transaction information for each user.A request to update the balance of the operating fund recorded in an operation recording unit that records the amount of the operating fund provided in a database is provided. The total amount of the balance of the operating funds recorded in the operation recording unit and the amount of cash in the automatic teller machine after the host computer receives the notification is made to be constant before and after the transaction related to the cash entry and exit. It is characterized by receiving a notice that the balance of the operating fund has been updated.

Further, the automatic teller machine operation host computer of the present invention is, for example, first connected via a communication line to an automatic teller machine which handles cash and conducts transactions, and operates the automatic teller machine. Monitor the transaction of the automatic teller machine, manage the transaction information, and via a communication line with a transaction host computer having a database in which transaction information and operating funds related to cash in and out of the automatic teller machine are recorded. When a transaction related to cash entry and exit is performed by the automatic cash transaction apparatus, the transaction host computer records transaction information related to the cash entry and exit, and records the transaction information recorded in the operation recording unit. A request to make the balance of the operating fund constant before and after the transaction relating to the cash entry / exit is notified.

Secondly, it is connected via a communication line to an automatic teller machine that handles cash and performs transactions, monitors the operation status of the automatic teller machine, processes the transactions of the automatic teller machine, and processes the transaction information. Is connected via a communication line to a transaction host computer having a database in which transaction information and operational funds relating to cash in and out of the automatic teller machine are recorded, and transactions relating to cash in and out of the automatic teller machine. When is performed, the transaction host computer records the transaction information related to the entry and exit of the cash, and the remaining amount of the operating fund recorded in the operation recording unit is constant before and after the transaction related to the entry and exit of the cash. Receiving a notification that the update has been performed.

[0013]

FIG. 1 is a block diagram showing an example of an embodiment of an automatic teller machine operation system according to the present invention.
The operation service company 10 includes an operation host computer 11, and the automatic teller machine 30 via the operation communication line 12.
Is connected to The operation service company 10 monitors the operation status such as the failure of the automatic teller machine 30 or the stoppage of the transaction due to a jam.

In FIG. 1, an operation service company 10 of this embodiment operates and manages a range surrounded by a dotted line. That is, in addition to the operation status of the automatic teller machine 30, the remaining amount of bills in the safe 31 provided in the automatic teller machine 30 is monitored.

Accordingly, the operation service company 10 notifies the maintenance department and the security department when necessary, and not only recovers from the failure of the automatic teller machine 30 or the stoppage of the transaction, but also sends it to the safe 31. It replenishes and collects banknotes.

The financial institution 20 has a transaction host computer 21 and manages transactions with the user 60 and transaction information via the transaction communication line 23. The transaction host computer 21 is provided with a database 22 that records transactions with the user 60 and transaction information.
The information necessary for the transaction, such as the account balance and the transaction history of the user 60, is stored. The transaction communication line 23 may be operated and managed by the operation service company 10.

In such an automatic teller machine operating system, the customer 60 transfers cash from the automatic teller machine 30, that is, the safe 31. Here, as described above, in the present embodiment, replenishment and collection of cash in the safe 31 are performed by the operation service company 10. Therefore, in this case, cash does not directly enter or leave the financial institution 20. For this reason, cash entered and exited from the financial institution 20 and the user account 4
The value of the transaction that has entered and exited 0 will be different.

In view of this, an operation recording unit for recording information relating to cash entry and exit is provided. In the present embodiment, a user account 40 that records transaction information for each user in the database 22
Apart from this, an operation account 50 is provided as an operation recording unit. The operation account 50 is an account of funds held by the operation service company 10 to operate the automatic teller machine 30, and a plurality of automatic teller machines 3 constituting the present system.
Information relating to the entry and exit of cash at 0 is recorded collectively, and the account balance of the fund and the transaction history of the automatic teller machine 30 are stored.

The information relating to cash entry / exit at a plurality of automatic teller machines 30 constituting the present system is collectively recorded in the operation account 50, so that the information relating to cash entry / exit, the remaining cash amount of the entire system, and The remaining amount of funds held by the operation service company 10 can be managed.
Further, if the information is recorded together with information for identifying an automatic teller machine in which a transaction relating to cash entry / exit is performed,
Further, the amount of banknotes remaining in the safe 31 provided in the automatic teller machine 30 can be managed for each automatic teller machine 30.

The operation host computer 11 is connected to the transaction communication line 23 to manage the operation account 50. In addition to the transaction information, information necessary for the operation host computer to manage the operation account 50 and the automatic teller machine 30 flows through the transaction communication line 23.

FIG. 2 is a processing correlation diagram showing an example of a transaction processing procedure of the automatic teller machine operation system of the present embodiment. The processing shown in the figure is performed for processing in which cash flows in and out between the user 60 and the automatic teller machine 30. The processing of cash entry and exit is, for example, cash deposit, withdrawal or cash transfer. FIG. 2 shows main processing procedures that occur in cash withdrawal and deposit as typical processing.

First, a process for withdrawing cash will be described. The user 60 inputs the designated amount into the automatic teller machine 30, and instructs withdrawal processing (101). The automatic teller machine 30 requests the transaction host computer 21 to withdraw the designated amount (102). The transaction host computer 21 refers to the user account 40 of the user 60 and determines whether or not the specified amount can be withdrawn (103). When it is determined that the transaction is possible, the transaction host computer 21 permits the automatic teller machine 30 to withdraw the designated amount (104). The automatic teller machine 30 withdraws the designated amount from the safe 31, and the user 60 receives it (105). Then, the automatic teller machine 30 transmits the completion of the transaction to the transaction host computer 21 (106), and the transaction host computer 21 reduces the designated amount from the user account 40 (107).

In this processing, since the operation service company 10 of this embodiment operates and manages the area surrounded by the dotted line in FIG. 1, the cash paid out is supplemented by the operation service company 10, and only the specified amount of money is paid. The cash held by the operation service company 10 will decrease.

Therefore, the transaction host computer 21
The balance is updated so that the sum of the amount of cash stored in the automatic teller machine 30 and the balance recorded in the operation account 50 becomes the same as before processing. Here, the designated amount is increased to the operation account 50 (108).

This processing is performed by the operation host computer 11.
Is the transaction host computer 2 via the transaction communication line 23
The connection is performed with the information necessary for the operation host computer 11 to manage the operation account 50. That is, the transaction host computer 21 receives a notification requesting an increase from the operation host computer 11 and performs the notification by the notification. For example, the operation host computer 11 is a safe 31 of the automatic teller machine 30.
Since the remaining bills are monitored, an increase request is made to the operation account 50 by the amount of cash withdrawn.

However, the present invention is not limited to this.
Processing to reduce designated amount from user account 40 (107)
You may go at the same time. In this case, make sure that the account 50
In order to confirm that the increase has been made, the operation host computer 11 receives a confirmation notification that the increase has been made to the operation account 50 from the transaction host computer 21.
This confirmation notification may be performed in order to confirm that the processing has been performed reliably even when the processing is performed by the notification requesting the increase.

By performing the above processing, the funds held by the operation service company 10 are kept constant.

Next, the processing for depositing cash will be described. The user 60 puts cash into the automatic teller machine 30 (201). The automatic teller machine 30 counts the amount of the inserted bill (202). After confirming with the user 60 whether or not the input amount is correct (203), a request is made to the transaction host computer 21 to deposit the input amount (204). The transaction host computer 21 increases the balance recorded in the user account 40 by the input amount (20).
5).

Here, contrary to the time of cash withdrawal,
The input amount is stored in the safe 31 and the operation service company 10
Will have more cash. Therefore, the transaction host computer 21 reduces the input amount from the remaining amount recorded in the operation account 50 (206).

The process of reducing the designated amount from the operation account 50 is performed with a notification requesting a decrease and a confirmation notification, as in the process of increasing the designated amount when withdrawing cash.

Then, the transaction host computer 21 notifies the automatic teller machine 30 of a transaction completion confirmation (20).
7), the automatic teller machine 30 notifies the user 60 that the deposit processing has been completed (208).

As described above, the balance of the operating account 50 is increased or decreased in accordance with the transfer of cash from the automatic teller machine 30, and the total sum of the cash stored in the automatic teller machine 30 and the balance of the operating account 50 is fixed. In this manner, the funds held by the operation service company 10 are kept constant. Thereby, the operation service company 10 can manage and manage the cash stored in the safe 31 of the automatic teller machine 30, and the automatic teller machine 30 can be centrally managed.

In the above example, the description has been made such that the increase or decrease in the balance of the management account 50 is performed every time in accordance with the customer's transaction. However, the transaction history is recorded for a predetermined period, for example, one day, and the history is recorded. The total may be counted and the number of the operating accounts 50 may be increased or decreased in a lump. In addition, when the cash in the automatic teller machine 30 becomes equal to or less than a predetermined balance or equal to or more than a predetermined balance, together with replenishment or collection of cash to be described later, the increase or decrease of the operating account 50 is collectively performed. May go.

For processing of a transaction that does not involve the entry and exit of cash, the transaction host computer 21 does not need to update the information of the operating account 50. Therefore, the operation host computer 11 selects information on a transaction relating to cash entry and exit from all transactions, and issues a request to the transaction host computer 21 to update the operation account 50 only in the case of a transaction relating to cash entry and exit. Notify and trade host computer 21
May record only the notified transaction in the management account 50. When the operation host computer 11 does not notify the request for updating the operation account 50, the transaction host computer 21 may update the operation account 50 by selecting the information on the transaction relating to cash in and out of all the transactions. .

Further, between the automatic teller machine 30 and the operation service company 10, the operation status is investigated and notified one by one (301). Accordingly, the operation service company 10 performs not only recovery from the failure but also maintenance management such as replenishment and collection of cash (302).

Next, replenishment and collection of cash will be described with reference to FIG. The replenishment and collection of cash is not a transaction, but because cash flows in and out, the following processing is performed as in the above-described transaction in which cash flows in and out.

First, a process for replenishing cash will be described. When replenishing cash, investment service company 1
From 0, a request is made to withdraw the replenishment amount to the transaction host computer 21 (401). It is confirmed that the amount of cash to be replenished has been transferred from the financial institution 20 to the investment service company 10 (402). Here, the operation service company 10
Since the amount of cash held by the company increases, the same amount as the amount of cash transferred from the financial institution 20 to the management service company 10 is reduced from the management account 50 (403). On the other hand, the operation service company 10 replenishes cash to the automatic teller machine 30 (40).
4).

Next, a process for collecting cash will be described. When collecting the cash (501), the operation service company 10 requests the transaction host computer 21 to deposit the collected money (502). Financial institution 20
Then, the collected amount is confirmed and input to the transaction host computer 21 (503). At this point, operation service company 1
Since the cash held by 0 decreases, the same amount as the collected cash is increased to the operation account 50 (504).

In the above example, it has been described that the balance of the operating account 50 is increased or decreased every time in accordance with replenishment and collection. However, the history of replenishment and collection in a predetermined period is recorded, and the history is compiled. Then, the number of operating accounts 50 may be increased or decreased in a lump. In this case, the load on the transaction host computer 21 and the operation host computer 11 can be reduced, and more efficient management can be performed.

By executing the above-described replenishment and collection processing, the total of the cash stored in the automatic teller machine 30 and the balance recorded in the operation account 50 is made constant before and after the replenishment or collection processing. Can be.

Therefore, the operation service company 10 can operate and manage the cash stored in the safe 31 of the automatic teller machine 30, and the financial institution 2 can operate as in the conventional system.
0 and the operation service company 10 can be integrated with each other, and the operation service company 10 can centrally manage the automatic teller machine 30.
Then, the financial institution 20 can concentrate on the lending and borrowing of assets, which is the original business.

In this embodiment, one financial institution 20
The description has been made with reference to FIG. However, one management service company 10 may handle a plurality of financial institutions 20. In this case, each financial institution does not need to manage the automatic teller machine, and the operation management section provided for each financial institution can be more efficiently integrated into one operation service company 10. .

[0043]

According to the present invention, it is possible to provide a system and an operation host computer in which the operation service company can efficiently operate the automatic teller machine.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an automatic teller machine operation system according to an embodiment of the present invention.

FIG. 2 is a processing flow of an automatic teller machine operation system according to an embodiment of the present invention.

FIG. 3 is a processing flow of an automatic teller machine operation system according to an embodiment of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 ... Operation service company, 11 ... Operation host computer, 12 ... Operation communication line, 20 ... Financial institution, 21 ... Transaction host computer, 22 ... Database, 23 ... Transaction communication line, 30 ... Automatic teller machine, 31 ... Safe, 40
... user accounts, 50 ... operational accounts, 60 ... users.

Claims (5)

[Claims] 1. An automatic teller machine, an operation host computer connected to the automatic teller machine via a communication line for monitoring the operation status of the automatic teller machine, and processing transactions of the automatic teller machine. A transaction host computer that manages transaction information, and an automatic teller machine operation system having a database provided in the transaction host computer and recording transaction information for each user, wherein the database is a cash transaction device in the automatic teller machine. An operation recording unit that records transaction information relating to in and out and an operation fund amount, wherein the operation host computer performs the operation with respect to the transaction host computer after a transaction relating to in and out of cash is performed by the automatic teller machine. Notify a request to update the balance of the operating fund recorded in the recording unit, The host computer records transaction information related to the entry and exit of cash recorded in the operation recording unit after receiving the notification, and stores the remaining amount of the operation fund recorded in the operation recording unit and the cash automatic transaction device. An operating system of the automatic teller machine, characterized in that the balance of the operating fund is updated so that the total amount of the cash and the amount of cash becomes constant before and after the transaction relating to the entry and exit of the cash. 2. An automatic teller machine, an operation host computer connected to the automatic teller machine via a communication line, for monitoring the operation status of the automatic teller machine, and processing transactions of the automatic teller machine. A transaction host computer that manages transaction information, and an automatic teller machine operation system having a database provided in the transaction host computer and recording transaction information for each user, wherein the database is a cash transaction device in the automatic teller machine. The transaction host computer further includes an operation recording unit that records transaction information relating to ingress and egress and the amount of the operating fund, wherein the transaction host computer is involved in the inflow and outflow of cash recorded in the operation recording unit after the transaction relating to the inflow and outflow of the cash is performed. The transaction information is recorded, and the remaining amount of the operation fund recorded in the operation recording unit and the cash automatic Update the balance of the operating funds so that the total amount of cash in the cash-drawing apparatus is constant before and after the transaction relating to the cash entry and exit, and notify the operating host computer that the balance has been updated. An automatic teller machine operation system characterized by performing: 3. An automatic teller machine operating system comprising an operating host computer connected to the automatic teller machine via a communication line and monitoring the operating status of the automatic teller machine, wherein the operating host computer comprises: After the transaction relating to the cash in and out is performed by the automatic transaction device, the transaction host computer that processes the transaction of the cash automatic transaction device and manages the transaction information is provided in the transaction host computer and the transaction information for each user. Notify a request to update the remaining amount of the working capital recorded in the operation recording unit that records the amount of the working capital provided in the database that records,
After the transaction host computer receives the notification, the total amount of the balance of the operating funds recorded in the operation recording unit and the amount of cash in the automatic teller machine becomes constant before and after the transaction related to the cash entry and exit. Receiving the notification that the balance of the operating fund has been updated as described above. 4. An automatic transaction apparatus which handles cash and conducts transactions through a communication line, monitors the operation status of the automatic transaction apparatus, processes transactions of the automatic transaction apparatus, and manages transaction information. The automatic teller machine is connected via a communication line to a transaction host computer having a database in which transaction information relating to cash entry and exit and a fund for operation are recorded, and the automatic teller machine performs transactions relating to cash entry and exit. When the transaction is performed, the transaction host computer records transaction information relating to the cash entry and exit, and keeps the remaining amount of the operating fund recorded in the operation recording unit constant before and after the transaction relating to the cash entry and exit. An automatic teller machine operation host computer for notifying a request. 5. An automated teller machine which handles cash and conducts transactions through a communication line, monitors the operation status of the automated teller machine, processes transactions of the automated teller machine, and manages transaction information. The automatic teller machine is connected via a communication line to a transaction host computer having a database in which transaction information relating to the entry and exit of cash and an operating fund are recorded, and the automatic teller machine performs transactions relating to the entry and exit of cash. When the transaction is performed, the transaction host computer records transaction information relating to the entry and exit of the cash, and updates the remaining amount of the operating fund recorded in the operation recording unit to be constant before and after the transaction relating to the entry and exit of the cash. An automatic teller machine operation host computer, which receives a notification that the transaction has been performed.