JPS5827264A - Abnormal processing method for complex transaction in transaction processing device - Google Patents

Abstract

PURPOSE:To increase the degree of freedom of a customer when the customer carries out continuous transactions for plural accounts through a complex transaction mechanism by selecting whether the transactions are continued or cancelled at the negative balance. CONSTITUTION:A teller or a customer can specify a transaction by 5-digit pushbuttons for transaction items and transaction kinds mounted on a keyboard 4 of a cash paying and receiving machine. When complex transactions are to be carried out, a complex key on the keyboard 4 is depressed, the item and kind of a required transaction are specified by the number of 5 or 4 digits and the number of 3-1 digits respectively, the amount of the transaction is specified by a ten key, calculator, and a bankbook or a slip in which required items are entered is inserted into said machine. When the total amount of respective transactions is negative, money for compensating the deficiency is payed. The balance is displayed on a display part in each transaction by depressing a picture request button to check the balance and error operation and, when the balance is negative, whether the transactions are continued or cancelled can be freely selected.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to complex transaction processing in a transaction processing device used for transactions such as deposits and withdrawals in the financial industry such as banks, and a method for handling abnormalities occurring in complex transactions.

There are two types of transaction processing devices of this type: those used by tellers and those operated by customers themselves. In either type of transaction processing device, a single transaction processing operation involves either deposits or withdrawals for a single account. or only one transaction can be made. However, there is often a desire to perform multiple transactions at once, such as withdrawing a required amount of cash from one account and depositing some or more of this cash into another account. In such cases, with conventional transaction processing devices, it is necessary to first process the withdrawal, actually receive the cash, and then process the deposit (deposit) transaction again using this cash. , transaction processing operations were extremely tedious.

Therefore, when one customer performs withdrawal transactions for multiple accounts, processing these multiple transactions with one cash injection or one cash withdrawal is called composite transaction processing. preferable. In such complex transaction processing,
For each transaction in a series of transactions, the difference between the withdrawal amount and the total deposited amount is calculated, and if there is any remaining amount to be paid to the customer when the complex transaction is completed, this is paid. However, if the remaining amount to be paid becomes a negative value, an inconvenience will occur.

The present invention provides a transaction processing device that is capable of performing the above-mentioned complex transactions, checks the remaining amount to be paid at least in the deposit transaction of a series of complex transactions, and is capable of dealing with cases where the remaining amount becomes negative. The purpose of this invention is to provide a method for handling complex transaction abnormalities.

Hereinafter, the composite transaction processing method of the present invention and the processing method when the remaining payment amount becomes negative in the composite transaction will be described in detail with reference to the drawings.

FIG. 1 shows the external appearance of the transaction processing device.

This transaction processing device (1) is installed in a cutout part of a counter (2) installed inside a bank store or at a counter (2).
or adjacent to the counter (2) on the teller ITl side. Then, the customer (a) and Tera-ITJ face each other with the transaction processing device (1) in between, and the transaction progresses through mutual operations by both parties. Transaction processing device (1)
includes a teller transaction data display (8), a teller keyboard (4), a passbook insertion slot (5), a slip insertion slot (6),
Paper input slot (7), paper return slot (8), paper output slot (9)
), a coin input port 01J, a coin return port 0, and a coin discharge port Q are provided. %CR as indicator (3)
A T display, plasma display, etc. are used.

Since this embodiment uses an ORT display, the display (3) will be abbreviated as CRT hereinafter. In this embodiment, transactions using paper and coins are possible.

FIG. 2 shows an outline of the internal configuration of the transaction processing device (1). Transaction processing is controlled by a central processing unit (for example, a microprocessor, hereinafter referred to as CPU) 01. OP U QQ is the FRO that stored the program.
MQ4, and RAM QQ which stores various transaction data and is provided with a sister group which will be described later. OFU QQ uses OR as its input/output device.
T (+1), keyboard (4), paper deposit machine G11)
, a paper withdrawal machine, a coin deposit machine), a coin withdrawal machine (a), and a form type machine for printing on passbooks and slips). Furthermore, the transaction processing bag M(1) has a line control device W1(
c) is provided, and communication of transaction data with the center unit is carried out via this line control device (company). In Figure 2, the interface of each input/output device and Or(T (3)
Control circuits, etc. are omitted.

Figure 8 is paper deposit machine 6! ◇ Shows an overview.

The paper deposit machine (c) has a paper deposit slot (7) and a paper deposit slot (7).
7) Paper waste carry-in path ml+ is used to convey the paper waste to the temporary storage mechanism by the feeding roller AY, and a paper paper feed path G31) is provided to distinguish the type of paper waste and its authenticity. Paper waste that is determined to be genuine paper waste by our identification device 0 and identification device 12 is temporarily stored in a deposit paper storage box (goods) for storing paper waste in a storage storage mechanism, and paper waste return r: 1 ( 8) In the event of a transaction not being concluded, please use the return slot (
8) From the first paper return path (c) that transports paper to It is configured. Input port (7) and return port (8) have V Yatsuta 0.
1), shutter f411 @2 open/close status detector 0
1. A paper waste detector (44% paper waste extraction detector (b) is provided.The shutter 1411f42 is opened and closed automatically and can be closed manually.The paper waste conveyance path button +481fi are both 1. It consists of a belt that pinches both sides of the paper in the width direction along its longitudinal direction, and paper pass detectors 1471 are provided at appropriate locations.The belt is hung on a number of pulleys. By monitoring the time required for the paper to pass between the detectors 64 using a timer, it is possible to detect jams in the paper. ) A transport path switching device (barrel is provided) is installed at the point where it branches off from the 2nd return path (-).
It is located below the loading path (III) and is hung on a pulley.
It is designed to hold the paper stack on top of the tray, and is equipped with an arm to prevent the paper stack from falling. If you want to return the temporarily stored paper, move with the point (IQI) as a fulcrum and go to the delivery route! By holding the paper between the two, the paper is sent out.

In addition, -Special tube mechanism @4 includes a push-down member-1 which is supported by belts on both sides and which pushes up the central part of the nine paper sheets from above to push the paper sheets into the storage box-1 and the storage paper. It is equipped with a detector iiiυ. The maximum number of paper sheets (N8) that can be stored in the temporary storage machine mx is predetermined to be, for example, 50 sheets. The paper storage box (goods) contains a box (
An excess filtration detector is installed to detect when a large amount of paper has overflowed. In the configuration shown in Figure 8, all types of paper waste are stored in the temporary storage mechanism and mixed into the storage box (goods), but each type of paper waste is Preferably, a temporary storage mechanism and storage box are provided. Further, if necessary, a paper waste input slot and a paper waste deposit machine may be provided for each type of paper waste.

Figure 4 shows an outline of the paper dispensing machine (2).

The basis of paper withdrawals is the paper withdrawal storage box (61) that stores large numbers of 10,000 yen, 6,000 yen, 1,000 yen, and 600 yen bills.
~ (64), a feeding mechanism (65) that feeds out and transports a specified number of sheets of paper from each storage box, a special tube machine M77 (s 6 ) that temporarily stores the fed sheets of paper, and a paper The paper discharge port (O) and the discharge port (9) for collectively discharging temporarily stored paper waste are constituted by a paper waste discharge path (67). Each of the storage boxes (61) to (64) is equipped with an out-of-paper detector (68) that detects when the amount of stored paper is running low. The feeding machine M (65) includes a blank feeding detector (71) for detecting that the paper has not been fed out, and two
A two-sheet detector (72) is provided to detect when more than one sheet of paper is fed out at the same time. Temporary storage machine 66 has almost the same configuration as the same machine shown in Fig. 8, and is equipped with a storage paper failure detector (78).
Shutter (74), F Yatsuta open/close status detector (75)
and a paper waste removal detector (76). In this dispensing machine (a), a paper pass detector (77) for detecting a jam is provided at a suitable location on the conveyance path. Since the coin depositing machine (c) and the coin dispensing machine (c) have almost the same configuration, illustration thereof will be omitted.

FIG. 5 shows the keyboard (4). Arranged on the left half of the keyboard (4) are transaction setting keys consisting of transaction item keys arranged in two vertical columns and transaction type keys arranged in eight vertical columns.

These six columns of keys are numbered 1st to 6th digits in order from the right column. Further, code numbers 1 to 9 are assigned to the nine keys in each column in order from the bottom. Only one of the nine transaction setting keys for each column is pressed. The set transaction is then represented by a six-digit number. 9
For a column in which all keys are not pressed, the number in that column is 0. Each transaction setting key has an indicator light IPI
is provided. These indicator lights +p) light up when the corresponding key is pressed, and go out when the transaction is completed or another key in the same row is pressed.

The right half of the keyboard (4) is provided with numeric keys and function keys. In addition to the numbers 0 to 9, the numeric keys include a 000 key for inputting units of thousands, a dot key, and an enter key. The combination, over-storage prohibition, and cash counting keys are also equipped with indicator lights (IP), which light up when the keys are pressed.
When pressed again, the light goes out. Pressing the key whose indicator light IP) is lit again means resetting the function of that key, as will be described later. Let me briefly explain the functions of some function keys.

This combination key is used to conduct multiple withdrawal transactions with one cash injection or cash withdrawal. When the composite key is pressed, all cash input into the deposit machine is accepted except for defective ones, and the amount due is not paid. and,
During a withdrawal transaction, the withdrawal amount is added to the payment balance R (described later), and during a deposit transaction, the deposit amount is subtracted from the payment balance R, and when the composite key is reset, the payment balance R is added to the payment balance R by the withdrawal machine. discharge.

Excess storage prohibition key This key is used to return cash exceeding the deposited amount when a deposit amount exceeding the deposited amount is inserted into the deposit machine in a deposit transaction. If the excessive storage prohibition key is pressed,
Wait for the transaction amount to be inputted manually, and after inputting the transaction amount, begin to identify and count the cash input into the deposit machine, and if the amount of cash that has been successfully identified is within the transaction amount, it will be temporarily stored. If the transaction amount is exceeded, the excess cash will be returned.

Even if the excessive storage prohibition key is pressed, if the composite key is pressed, all correctly identified cash is temporarily stored, and only bad cash classified by coin is returned.

Cash counting, etc. - This is a key that reduces the function of the deposit machine to only distinguishing and counting cash. When the average and total number keys are pressed, the cash inserted into the input slot of the deposit machine is classified 4 and counted, and if it is genuine cash, it is returned to the return slot via the second return route, and the cash is classified as invalid. Only temporarily stored. Additionally, the cumulative total of cash that has been successfully identified is displayed. Finally (after normal cash extraction)
Return temporarily stored cash that has been misidentified.

FIG. 6 shows the contents of RAM (g). RAM (2
) includes an area for storing manually entered account numbers, bankbook print lines and balances, an area used as a flag for storing pressed transaction setting keys, an area used as a flag for storing pressed function keys, C described later
The area for storing the next line (cursor position) from line 2 to line 11 on the RT(3) display screen (
1 is the position of Kurt μ), the temporary storage mechanism (goods) of the deposit machine Qp and the withdrawal machine (goods) (the area used as a temporary storage counter to count the number of sheets of paper stored in the iron, the deposit machine 61]) and withdrawal 41! There are an area for storing each state of @, an area for storing the cumulative total of cash correctly identified in the cash counting mode, a tally area, and an area used as a register group. In the register group,
There are the following: Here, R is an abbreviation for register, and R indicates an auxiliary register for redo operation.

Trading settings R Stores transactions entered by the transaction settings key.

It is reset by pressing the 101st page request key.

Transaction Setup Engineer R Writes down the transactions entered manually using the transaction setup key. Set every time the transaction setting key is pressed.

Received amount R Stores the amount received from the customer. Each time cash is identified by the deposit machine, the amount will be added and the contents will be cleared after communication with the center. Special Amount R Stores the amount of money discriminated by the deposit machine and temporarily stored. Every time the cash is recognized by the deposit machine, the amount is added. Cleared when temporarily stored cash is stored or returned.

Transaction amount R Stores the transaction amount in human withdrawal transactions. It is set when the transaction amount is entered by the teller and cleared after communication with the center.

Change R Stores the amount of change in deposit transactions. υ is set by pressing the change key.

Withdrawal Amount R Stores the amount to be paid to the customer. After communication with the center, the change amount for deposit transactions, the transaction amount for payment transactions, etc. are automatically set, and in the case of cancellation transactions, key manual data is set.

Withdrawal Processor R This is a work register for correctly calculating the balance of payment.

Remaining payment R In a complex transaction, the result of adding and subtracting the transaction amount for each transaction is stored, and the amount of the remaining payment R is paid to the customer at the end of the deposit transaction.

Release class R Memorize the amount to be withdrawn from the withdrawal machine.

Count amount R Stores the amount counted by the dispensing machine. If the amount of released items exceeds the number of animals that can be counted (released) in one time, the amount to be counted in one time is set.

Receipt tally R Used to tally the amount of money correctly deposited by the deposit machine.

Discharge tally R Used to tally the amount normally disbursed by the dispensing machine.

The transaction processing procedure of such a transaction processing device is shown in FIGS. 7 to 12. Below, one customer withdraws 90,000 yen from a regular deposit, then cancels a 10,000 yen fixed deposit (with interest of 1,000 yen), and then deposits 110,000 yen into a current account. Let me explain using an example. In this case, the amount the customer should receive is 90,110,000 to 100,000 yen, and the amount to be deposited is 110,000 yen, so the customer must deposit 9,000 yen. Therefore,
The customer hands 10,000 yen to the teller fLfEL,? You will receive 1,000 yen as change at the end of the M-go transaction.

FIG. 18 shows the contents of each register corresponding to the operations performed by the teller and each processing step in this example. In this figure, the customer may insert or remove one sheet of paper.

The customer shall write his/her own account number and name, deposit amount, and payment request amount on the deposit and withdrawal slips for the eight transactions mentioned above, and affix his/her seal in the required places, and submit these deposit and withdrawal slips. He handed Teller his passbook and 10,000 yen in cash. After checking the seal on the slip and passbook, the teller performs the next transaction process.

Referring to FIG. 7, an initial screen is displayed on the CRT (8) (step (lOl)). In this example, nothing is displayed on the initial screen.

The teller first presses the compound key, so step (102)
) (10g) is NO,, Xte'/pu (107) is YTB
It becomes B. Since the composite key with has not been pressed, NO is returned in step (toe), and the process proceeds to step (109), where the composite key flag in the function key flag storage area of ) is stored in the RAM. As shown later, when the compound key is pressed again, YF! at step (tOS). Since it becomes 8, the composite key flag is reset. In FIG. 7, steps (107) to (110) particularly show the setting and resetting processing of the composite key, but the exact same processing is performed for the overaccommodation prohibition and cash counting keys.

Next, the teller presses the "normal" and "withdrawal" keys to set up the transaction, resulting in 1JO at step (102) and YES at step (tea). Ordinary - is the 6th digit and the code number is 1°, and the withdrawal key is the 1st digit and the code number is 4, so the number representing the set transaction is 10.
It is 004. This number is set in the transaction setter R (step (104)). Next, the teller presses the screen request key, so in step (102) Yll! S and the contents of the transaction setting IR are transferred to the transaction setting R (step (
105)), trading guidance is displayed at 0RT(3).

An example of this trading guidance display is shown in FIG. The first digit displays the details of the set transaction.

The 2nd line to the 11th line date are columns for displaying various transaction data, and in step (106), these data items, such as account number, pedigree (last line printed or line to be printed) are displayed. ) (second line) only the characters [ ] indicating the location where the data is displayed are displayed, and the data is not yet displayed. Furthermore, KANO/l/(017) is displayed in the lower right corner of the item whose data should be entered manually next. Each time the data key is pressed, this curve) v (OU) is sequentially moved to the next data item to be input. The 12th line is a message column.

While looking at this display, the teller performs the following manual key operations for data, inserting slips and bankbooks into the respective insertion slots (6) and (5), and inserting cash (this operation is not necessary at first). Each of these operations may be performed in any order, but the completion key is pressed last. If each operation is completed and the screen request key is not pressed again (step (111)), the process moves to step (lt2). As will be clear from what will be described later, the Ryocho request key is used to cancel lv of manually inputted data or to input each set of operations. Therefore, if the screen request key is pressed (Yll!S in step (111)), the operation is slightly revised. As mentioned above, the flag for storing that the screen request key has been pressed again is in the RAM (c), and the contents of this flag are checked in step (111).

In step (112), it is checked whether the transaction is a deposit transaction or not according to the contents of the transaction settings, and if it is a deposit transaction, as will be described later, it is checked whether the payment machine is negative (steps (122) and (128). )) and zero-μm check (step (1)
14) (115)), move to center communication (step (1)
16)). If the transaction is not a deposit, it is checked whether the composite key has been pressed (step (lt8)). In this example, the joining key has already been pressed, so in step (118)
Move on to Sicenter communication with TiS.

If NO in step (118), it is checked whether the received amount R is 0 or not (step (119)). If it is 0, the process moves to the center communication, and if it is not o, an error occurs. Since the amount received by the deposit machine is stored in the received amount R, there is no guarantee that the content of the received amount R is not 0 in a withdrawal transaction. Initially, you set up a deposit transaction and put in cash, and after the deposit amount has accepted this cash,
To cancel the deposit transaction, the teller must press the screen request key to correct the operation and press the return key to return the received cash. When cash is returned (FIG. 9, step (177)), the returned cash amount is subtracted from the contents of the received amount R (this process is shown in the figure), so the contents of the received amount R become 0. However, if the cash return process is forgotten, the content of the received amount R will not be ho, but will be F- in step (tt9), and the teller will notice this.

The center records each customer's account number and name.

A customer-specific information file is provided that stores balances. When a 'tW statement containing transaction data is transmitted from the transaction processing device Gf, the center uses the file as a purlin and checks the existence of an account and other items to determine whether the transaction is possible, for example, whether the withdrawal amount is less than the balance. etc. to judge. This result is then transmitted to the transaction processing device.

If trading is possible (YlnS in step (117))
, the number of transactions, the total transaction amount for each transaction, etc. in RAM Qfi
In step (t t 8 )), each process of printing authentication on the deposit slip (for example, printing of transaction date, account number, etc.), printing transaction data on the bankbook, and paying cash is performed. After this, unless the transaction is a complex transaction, the teller stores the printed slip as a copy, hands the bankbook and cash to the customer, and completes the transaction. If the transaction is not possible (No in step (tt'y)) or if there is an error in step (119), (step (120) to display a message on IRT (8)), the confirmation key is pressed. If so (step (t21)), the process returns to step (106) and the data key manual operations are redone. You may return to step (101) from step (121).

Since this example is a compound transaction, no cash is actually released in the cash payment process, as will be shown later. The teller then proceeds with the term deposit cancellation process.

FIG. 8 shows details of the data key manual processing.

After the guidance display in step (106), the teller performs key manual operations on the account number, pedigree, and balance. Referring to FIG. 8, since the cursor (OU) is displayed at the account number location on the screen of the CRT (3), the teller first manually enters the account number using the numeric keypad (step (1st)). Then, this entered account number will be displayed in [ ] and (step (tsg)
), stored in RAM Qi (step (188
)). By using this data key, Kurtz/I/(O
Since U) is moved to the root of the root, the teller similarly inputs the root and then keys the balance. These data are displayed on the CRT (3) (see FIG. 14) and stored in the RAM Q* (steps (181) to (188)) are repeated). If these data are recorded on the magnetic stripe attached to the cover of the passbook, a magnetic stripe reader is placed inside the passbook insertion slot (5) and read by this strip reader. It is also possible to display it on a CRT (31).

When the above data input is completed, the cursor (0■) will move to the fourth
It moves to the transaction amount in the row.

In this example, the initial transaction amount is 90,000 yen (withdrawal). Then, the teller inputs 90,000 yen using the numerical keys (step (taX)). Then, this transaction amount is displayed on the fourth line of ORT (8) (step (182) (see Figure 14)). Step (188) for transaction amount
processing is omitted. Next, the teller presses the enter key (step (184)), so the transaction amount entered by the key is set in the transaction flR (7. step (185)).
(186)).

The cursor (OU) on the screen of ORT (3) is displayed at the summary section of the 5th line. If it is not necessary to enter the summary and value date data, press the teller r1 enter key to skip these entries. If the starting date data is not entered, the date on which the transaction is conducted will be treated as the date. In a withdrawal transaction, the received amount on the 6th line, the teller amount on the 7th line, and the change amount on the 8th line are irrelevant. The cursor (OU) is the 9th
Move to the withdrawal amount section of the line. In addition, teller storage and teller withdrawal means that the teller directly stores or withdraws cash using his/her own cash storage box without using a deposit machine or withdrawal machine. When inputting the deposit amount and teller withdrawal amount manually, the 7th line and 1st line of CRT (:l)
These amounts are displayed on one line. However, the explanation is omitted here.

Although the change key is not used for withdrawal transactions, it will be briefly explained. When the change key is pressed (step (ts
7)), if it is a deposit transaction (step (188)) and the transaction amount has already been input (step (189))
, calculate the change using this transaction amount etc. Step (1)
40)), the calculated change amount is displayed on the 8th line of CRT (a) (step (141)).

Data key The type of transaction may be reset using the transaction setting key during manual operation.

This occurs when the type of transaction is changed during the operation. When the transaction is reset (Y in step (14g))
InS), the set transaction is set in the transaction setter R (step (148)).

When changing the data input or after resetting the transaction (step (142)), the screen request key is pressed (step (144)). In this case, the fact that the screen request key was pressed is stored in the flag of FjAM, and the transaction amount R and change R are cleared in step (145).
)), transfers the transaction setting IRQ contents to the transaction setting R and stores them (step (146)), and displays transaction guidance on the CRT (3) (step (147)). After this process, in step (111), since Yl[18 is obtained, each operation (at least data input operation) is changed. Steps (142) to (147) are almost the same processing as steps (102) to (106) described above.

The completion key is pressed when all operations are finished (
step (148)).

The above is data key manual processing. Since the slip setting and passbook setting processes are not necessary, their explanation will be omitted. Since the first transaction is a withdrawal, no cash is set. In FIG. 7, if each process after step (106) is completed and step (111) is NO, the process moves to center communication via steps (112) and (11B) (step (116))% transaction. If possible (step (11)
7) After the % step (118), the process proceeds to slip printing, passbook printing, and cash payment processing. Descriptions of the slip printing and bankbook printing processing will be omitted. The procedure for cash payment processing is shown in FIG.

In Figure 11, the contents of transaction setting H are withdrawal p (NO in step (2Q1), YHt in step (202)
S), if the transaction amount has already been set (step (2)
08), YIIIS), the details of the transaction amount R, and the withdrawal process R.
In step (209)), the remaining payment amount is calculated by adding the content of the withdrawal amount R to the content of the remaining payment R, and further subtracting the content of the withdrawal amount R (step (210)).
)). In this example, the transaction amount is 90,000 yen, so the withdrawal amount is
The content of H is also 90,000 yen, and the remaining payment R and withdrawal amount are both 0, so the remaining payment is 90,000 yen. Step (
The reason why the content of the withdrawal amount y4 is subtracted in step 21O) is to cope with the correction of the withdrawal amount, which will be described later. After this, step (211) transfers the contents of the withdrawal amount ER to the withdrawal amount R.
), the withdrawal amount in ORT (8) is 90,000 yen (No. 9)
line) and the denomination is 9 ten thousand yen holes (line 10)
(Step (212)) (see Figure 14)
. When the teller sees this display and presses the confirmation key (No in step (21B), YHtS in step (214))
Check whether the content of % payment balance R is 0 (step-) (button cap)). Since the content of the remaining payment R is 90,000 yen, the answer in step (221) is No. Next, it is checked whether the compound key has been pressed (step (222)). Since the compound key has already been pressed, enter Y1n8 in step (222).
Proceed to step (226) without performing cash release processing9
, clear the transaction amount R and the withdrawal amount R (step (2)
26)). In this way, if the composite key is pressed, no cash dispensing process is performed even if there is an amount to be paid. If the payment QR content is 0 (step (2)
21), Yl[ls), the amount to be paid is 0, so of course no cash disbursement process is performed. The cash release process will be described later.

In the withdrawal confirmation display in step (212), the teller can correct the withdrawal amount using the numeric keys if the withdrawal amount is different, and can also correct the denomination if necessary (step (218) )). The denomination displayed in ORT (3), 1, is determined to emit the minimum number of denominations. Therefore, although it is not directly related to this example, if, for example, the customer wishes to exchange and release 10,000 yen out of 90,000 yen, the desired denomination can be set through this step (21g). The denomination setting key is omitted on the keyboard (4). Key data using numerical keys is displayed on the CRT (, l) (step (215))
%Then the Enter key is pressed (step (219)
)), the corrected withdrawal amount is set in withdrawal l\l\IH (step (220)). Even when the withdrawal amount is corrected in this way, the remaining payment amount is calculated again in step (210), but at this time, the incorrect withdrawal amount that has already been transferred to withdrawal amount R (step (211)) is Since the amount is subtracted, an accurate balance of payment can be calculated.

This completes the first transaction of the composite transaction, that is, the withdrawal process of 90,000 yen from the savings account.

The teller then proceeds to cancel the term deposit.

The compound key remains pressed. The teller first sets up a transaction (FIG. 7, step (108)) and then presses the screen request key (step (102)).

As a result, a number representing the set transaction is first set in the transaction setter R (step (104));
Subsequently, it is transferred to the transaction setting R (step (105)
). The regular key is the 6th digit and the code number is 4, the cancellation key is the 8th digit and the code number is 8, and the withdrawal key is the 1st digit and the code number is 4, so these numbers represent the set transaction. is 40804.

The teller then performs data key manual and voucher and passbook set processing. In the data key manual processing (FIG. 8), the teller manually enters the account number and pedigree, so these data are displayed in c RT (3). Since it is a periodic cancellation, there is no need to manually record balances and transaction amounts. When the teller presses the completion key, the process moves through steps (111) (112X118) in FIG. 7 to center communication (step (116)).

If the transaction is permitted by center communication (step (1)
17)), tallied by transaction (7, ttS)
, proceed to slip printing, bankbook printing and cash payment processing.

In the cash payment process (Figure 11), step (201) (
202) and then proceeds to step (208). Since the transaction amount has not yet been set, the answer to step (208) is No. In the case of cancellation, the cancellation fee including interest is transmitted from the center through center communication and displayed on the CRT+3).

In this example, the term deposit is 10,000 yen and the interest rate is 1,000 yen, so the cancellation fee is 11,000 yen. Also, a message asking you to enter the withdrawal amount will be displayed on the 12th line of CRT (3) (step (216)), so the teller will receive the cancellation fee (
11,000 yen) as the withdrawal amount (step (
217)).

Then, the entered withdrawal amount is displayed on the CRT (3) (step (218)), and when the enter key is pressed (step (219)), it is set in the withdrawal amount machine R (step (220)). ).

In addition, when the cancellation fee is transmitted from the center, the cancellation fee may be directly added to the withdrawal amount IR without the teller manually inputting the withdrawal amount. Also, if the center does not calculate interest, the teller will do the calculations manually and then manually enter the withdrawal amount including interest. Also,
X), which is not shown in this embodiment, is another example in which the transaction amount is transmitted from the center as described above.There is also a case where an exchange fee is calculated for a predetermined deposit amount.

Next, by adding the content of the payment balance R of 90,000 yen and the content of the withdrawal amount R of 11,000 yen (the content of the withdrawal amount R is 0),
Calculate the new payment balance 1,000,000 yen and store it in the payment balance H (step (210)), transfer the contents of the withdrawal amount R to the withdrawal amount R (step (211)), and display the withdrawal confirmation. (step (212)). If the confirmation key is pressed (
Step (214)), Step (221) (222)
The process then proceeds to step (226), where the contents of transaction amount R and withdrawal amount R are cleared.

This completes the term deposit cancellation process.

Furthermore, Teller processes the enrollment of 110,000 yen to the current Shinkin Bank. Since this transaction processing is the last transaction processing of a compound transaction consisting of a series of transactions, the teller presses the compound key again (FIG. 7, step (107)) to cancel the compound transaction processing function ( step (110)). The teller then sets up the trade and presses the screen request key.
08) (102)). The current key has the fifth digit and the code number is 2, and the deposit key has the first digit and the code number is 9, so the number representing the set transaction is 20009.

Next, the teller performs data key manual, slip set, passbook set, and cash set processing. In the data/key manual processing (Figure 8), the teller inputs the account number 1 bankbook line, balance, and transaction amount (110,000 yen), so these data are stored in lines 2 to 4 of CRT (3). The input transaction amount is displayed in the row and set as the transaction amount R (steps (181) to (188)).

The change key will be described later.

Details of the cash setting procedure are shown in FIG. Referring to this diagram, check whether the transaction setting R indicates a deposit (step (151)). If it is a deposit, use the input slot of the cash deposit machine (b) to insert cash. (7)
The shutter [411 (same for the coin deposit machine) is opened (step (162)). The teller is handed to the input slot (7) by the customer and 7'! - After inserting 10,000 yen, close the shutter ←l) manually, so enter Y in step (15B).
E8, and step (154) is also YElt8. Next, check whether the cash counting key has been pressed (step (15)
5)), whether the compound key has been pressed (step (156)
)), and since they are both No, check whether the over-storage prohibition key has been pressed (step (157)).
, this key is not pressed, so step (158
) Proceed to cash collection processing without making any judgments.

Referring to Figure 1O, in the cash storage process, the input slot (7)
The paper that has been thrown into the machine is taken in one by one and judged by the discrimination device 0''A (step (181)).As a result of the discrimination,
If it is a regular paper (YInS in step (182))
), - Check whether the number of sheets of paper stored in the special pipe mechanism 1 has reached the maximum number (Ha) according to the contents of the temporary storage counter (step ai88)), and then
If it is not set to NS), then check the status of the compound key and over-storage prohibition key (steps (184) and (185)).
). Since neither the compound key nor the over-storage prohibition key has been pressed, the result is No in step (184) and NO in step (185), and the identified paper faults are sent to the Temporary Storage Organization without making the decision in step (186). and increment the contents of the temporary storage counter by 1 (step (187)). Then, the amount of the nine papers is added to the contents of the one-toku special management amount R and the amount of money received, respectively (7 t”/pu (t88) (t
oe)), input port (71Vc), check whether there is still paper waste remaining (step (190)). If there is paper waste remaining in the input port (7), return to step (181)K and repeat step 1. Paper defects are determined one by one, and the paper is temporarily stored, and the amount of paper defects is added to the special amount R and the received amount R.

If steps (181) to (100) are repeated 50 times, the temporary storage number reaches (NS), so step (1)
88), the 61st sheet of paper is returned to the return slot (8) through the second return route (step (1)
95)).

The nine defective papers that could not be determined by the identification device to be genuine papers are also returned (steps (x82) (195)). When the paper waste in the input slot (7) is gone (N in step (190)
O), if there is a defective returned paper in the return slot (8), remove it (steps (191), (192)), and display the contents of the received amount R on the 6th line of CRT (3) (step ( 198
)). In this example, the amount of paper input into the input slot (7) is 1.
10,000 yen, so if the paper error is a regular paper error (step (182)), then the contents of the -Special Tube Amount R, Received Amount R, and Received Amount R are 10,000 yen (Step (182)). (188)
(189)), 10,000 yen is displayed as the received amount on the 6th line of ORT (a) (step (198)).

When the teller presses the change key (Figure 8, step (1)
87)), the contents of the transaction settings R must be deposited (step (
18B)), the transaction amount of 110,000 yen has already been paid (step (189)), so the change is calculated (step (140)). In this example, the received amount is 10,000 yen, the remaining payment is 10,000 yen, and the transaction amount is 110,000 yen, so (47
1 Since the content of the change amount is positive, the step (change - received amount + remaining payment amount - transaction amount (1,000~) (10,000) (101,000) (110,000) and the change is 1,000. This change of 1,000 yen is set in change R and displayed on the 8th line of CRT (+1) (step (141)).

When the teller presses the completion key (step (148)), it means that the data key manual, slip set, passbook set, and cash set processes have been completed.

In steps (1, 12) in Figure 7, the transaction set is a deposit, so this step (11g) is YES.
S and υ, it is checked whether the remaining payment is negative (step (122)).

In the procedure shown in FIG. 11, the contents of the transaction setting R are YES in deposit 128), and the process moves to zero proof check (step (114)).

Amount = Received amount + Payment amount - Transaction amount - Change (0) (10,000) (10,000,000) (110,000)
(1,000), the content of the amount R is 0, so step (
115) to YlnS9, and can proceed to center communication. If change is not calculated because the teller does not press the change key (step (140)), an error occurs in this zero proof check.

If the transaction is possible as a result of center communication (step (1)
17)), totalizes each transaction in the RAM (step (118)), and proceeds to slip printing, passbook printing, and cash payment processing.

Therefore, (YlnS in step (201)), the contents of the received amount R (10,000 yen) are added to the contents of the remaining payment R (100,000 l,000).
A new payment balance is calculated by adding the transaction amount R and subtracting the contents (110,000) of the transaction amount R, and stores it in the payment balance R (7-step (208)). This new remaining payment will be equal to the change. Then, add the special amount R of 10,000 yen to the contents of the storage total R (step (2Q4)), clear the received amount R1 transaction amount R and one special amount R (step (205)). If there is paper waste stored in the temporary storage machine Wt@3 (step (206)), it is stored in the storage box (step (go?)). The content of the remaining payment R is 0.
(No in step (221)), the composite key has been reset (NO in step (222)),
Proceed to step (22B) to transfer the contents of the payment balance R to the withdrawal amount R in order to prepare for the cash release process.
28)) Steps to clear payment balance R (ja24)
), the content of the withdrawal HHt is transferred to the dispensing layer R (step (225)), and the cash dispensing process is performed. After the cash release process is completed, the transaction amount R and the withdrawal amount R are cleared (step (226)).

Details of the cash release process are shown in FIG. first,
It is checked whether the entire amount of cash in the release layer R can be released (step (281)).

Specifically, it is checked from the contents of the RAM (c) whether the dispensing machine (c) is out of paper or whether a failure has occurred in the dispensing machine (c). If a failure occurs in the dispensing machine), the contents of the release layer R will be 0.
Let's see if it is. If full release is possible, ORT (
A message to confirm release is displayed on the 12th line of 1) (step (282)).

When the confirmation key is pressed (step (288)), if the content of the release layer R is not 0, the amount to be released is set in the counting class H (step (285)).
. The maximum amount of paper that can be stored in the temporary storage mechanism (66) of the dispensing machine (2) is also determined, and is, for example, 50 sheets. If the release layer exceeds the amount of 50 sheets of paper, 21
It is decided that the money will be released in 11 or more installments, and at the time of the first release, the maximum amount that can be released at one time is set in the counting class R (step (285)).

When the release layer is set in the counting class R, the storage box (61) ~
(64), one sheet of paper is fed out and temporarily stored in the special pipe t'M(ea), and the number of sheets of paper that has been fed out is counted (step (286)). In this process, check whether there is an error that makes it impossible to continue feeding, such as empty feeding or a jam (step (287)).
), if there is no error, it is checked whether the amount set in the counter W4R has been paid out, and if not, the process returns to step (286) and the above process is repeated (step (288)). If an empty paper or a jam occurs, repeat the feeding of the paper as required (e.g. 8 times), and if the paper is still empty or the jam is not cleared, proceed to step (287). It is treated as an error.

When the counting paper has been fed out, the temporary storage mechanism (6
The waste paper 6) is conveyed to the discharge port (9) via the paper waste delivery path (67) (step (289)) and the V-shape (74) is opened. It is checked whether there is a conveyance error such as a jam occurring during the paper conveyance process (step (24G)), and if there is no conveyance error, wait for the ejected paper to be removed by the teller from the discharge port (9) (7, Tepp (241)).

When the discharge paper layer is extracted, the counting class R is calculated from the contents of the discharge layer R.
Subtract the contents of and use this subtraction result as a new emission layer (
step (242)). This treatment is effective when the release layer exceeds the maximum amount that can be released at one time. Next, step (
248)) and returns to step (284). Step (2
If the content of the release layer R is 0 in 84), it means that the release of the remaining amount of money to be released has been completed. If the content of the release layer R is not 0, the amount to be released for the second time is calculated using the counting class R.
, and repeat the paper release process in the same way.

If the full amount cannot be released in step (281), that is, the storage boxes (61) to (64) are out of paper, or the withdrawal machine is out of order, and the release type R is 0, and step (287) If an error occurs in (240), c R
In the 12th line of T (3), a display indicating that discharge is not possible or a failure of the discharge machine is displayed (steps (245) and (246)), and error processing is performed (step (247)). In these cases, it is impossible to release cash using a withdrawal machine, so the teller will have to pay.

In this example, the content of release type H is 1,000 yen, so 1,000 yen is set in number of needles R (step (285)), and one 1,000 yen bill is dispensed from the storage box (68) and released. is discharged to the exit fil (steps (286) to (289)). Furthermore, the content of the release class R is stored as 0 (to) through the process of step (242). In step (tet), YEl becomes 18, and by the processing in step (24B), the emission total R is 1.
1,000 yen will be added.

The teller removes 1,000 yen in cash from the outlet (0), hands the 1,000 yen and eight types of passbooks with transaction data printed on them to the customer, stores the printed slips, and completes the complex transaction. .

In FIG. 9, steps (161), (168) and (176) are for synchronizing the data key manual processing (FIG. 8) and the cash set processing. As mentioned above, the screen request key is used to speed up the manual operation (2 steps (144)), and the completion key is used when the manual operation is completed (when the key operation is completed, the screen request key is used to speed up the manual operation). (has also finished) is pressed (step (14)
8)). And when these keys are pressed, the RA
yt (as a flag in l (to)) Proceed to step (177). If No in step (16 and step (164)), proceed to step (170)
Proceed to. In the case of YB2 in step (1611), check whether there is paper failure in the input port (7) (step (1611)).
64)), if there is no paper failure, shutter h1 of the input slot (7)
1 automatically closes (step (165)) and proceeds to step (170). If the cash count key is not pressed in step (170), the process proceeds to step (175), and if the cash return key is not pressed, the process proceeds to step (176). Then, if the screen request key or the completion key is pressed, the cash setting process ends.

The cash return key is pressed when requesting the return of paper money stored in the temporary storage machine 114@3.

Step (162) (175) is YIIt8 (7)
In the case of YB8, check whether there is any paper damage in the input port (7) (step (16g)), and if there is no paper damage, close the shutter @1 of the input port (7) (step (169)).
), proceed to step (177).

The detailed illustration of the cash return process (step (17?)) is omitted, but in this process, it is first checked from the output signal of the stored paper waste detector IO whether or not paper waste is stored in the temporary storage machine m-. If there is a problem with the storage paper, please use the first part of (3) on the CRT.
A message indicating that the cash is to be returned is displayed on the second line, and the stored paper is carried out to the return slot (8) via the first return route. Then, when the waste paper in the return slot (8) is removed, the contents of the one special tube amount H are subtracted from the contents of the received amount H, and the contents of the -special special tube amount R are cleared.

If the cash count key is pressed, step (15)
5,) becomes YEIB, and the process moves to cash counting processing (step (159)). This cash counting process is also omitted from illustration, but in this process, the nine paper defects that are inserted into the input slot (7) are taken in one by one and judged by the discrimination device 34. Return the paper to the return slot (8) via the second return route. This paper defect identification and return process is repeatedly illuminated until there is no paper defect in the input slot (7). Paper that cannot be determined by the identification device to be genuine paper is stored in the temporary storage machine W-. When all paper defects in the input slot (7) have been identified, the shutter 0 of the return slot (8) is closed.
``Open 4. When the teller pulls out the cash, the 12th line of the CRT (3) displays the cumulative total of cash.

With this, the cash discrimination and counting process is completed, and step (152)
). When the opened shutter ←1) is closed again by the teller (step (158)), the input port (7
) has no cash, so the process moves from step (154) to step (170).

Since the cash count key has already been pressed, the answer at step (170) is YES. If the defective paper is stored in the temporary storage facility (YKS in step (171)), 0RT (
Step 3) is to indicate that bad cash will be returned.
72)), return the temporarily stored cash to the return port (8) through the first return path (c), and open the shutter (step (178)).

If the teller pulls out this return paper (step (174)
), the process in FIG. 9 ends.

In a deposit transaction, if the compound key is pressed (No in step (156)) and the overpayment prohibition key has been pressed (YllThS in step (157)), the transaction amount (deposit amount) is the key. Wait for it to be done manually (step (1)
58)). This is because the prohibition on overstorage only has meaning if the transaction amount is fixed.

In the cash storage process shown in FIG. 10, if the composite key is pressed (NO in step (184)) and the excessive storage prohibition key has been pressed (step (185)), the process proceeds to step (186). Then, the details of the received amount R and the details of the transaction amount R are compared for each time the paper is taken in and discriminated. and,
If the content of the received amount R exceeds the content of the transaction amount R, the paper will be returned to the second return route without temporarily storing the paper after that.
and then return it to the return slot (8) (step (105))
. Therefore, for example, if the transaction amount is 85,000 yen but you accidentally put 10,000 yen (10 sheets of 10,000 yen paper) into the slot (7), only 90,000 yen will be returned. special tube machine f
? 4 (goods), and 10,000 yen is returned to the return slot (8).

Then, 6,000 yen becomes change (step (140)).

In this way, even if you accidentally insert more paper than the transaction amount, if you press the excessive storage prohibition key, the excess paper will be returned immediately.

However, even if the over-storage prohibition key has been pressed,
If the compound key has also been pressed, step (156) in FIG.
), the process moves to cash storage processing without performing steps (157) and (158) with YInS. Also, in the cash storage process (Fig. 1θ), Yl is
Since the processing of steps (185) and (186) is skipped on the 11th day, the excessive storage prohibition function has been canceled. As a result, in complex transaction processing, all the cash input is accepted, the withdrawn amount (change) is added or subtracted as a balance for each transaction, and at the end of complex transaction processing, the final payment balance is transferred to the dispensing machine. will be emitted by Therefore, during normal transactions, the excessive storage prohibition key can be kept depressed at all times. And when making a compound trade, you just need to press the compound key,
There is no need to cancel the over-storage prohibition function by pressing the over-storage prohibition key again.

(Blank below) Returning to Figure 7, in the deposit transaction process (YES in step [112]), before moving to center communication, the same process as the payment balance calculation process (Figure 11, step (203)) is performed. (Step (122)) and checks whether the balance of payment is negative (Step (123)). It is not possible to proceed to center communication and conclude a transaction even though is negative. Step (122) (123)
This inconvenience has been resolved by the process.

If the balance of payment becomes negative [N in step (123)]
O], the process moves to step (124), and an instruction is displayed in the message column of line 12 of CRT (3) to the effect that since the payment balance is negative, it should be determined whether or not to continue the transaction. It is preferable that the CRT (3) also display the amount of the shortfall (63).

The keyboard (4) is provided with a transaction continuation key. This transaction continuation key is used to enter the transaction continuation.
It consists of a key and an NG child key for inputting transaction cancellation. When the transaction continuation determination instruction is displayed, the teller selects and presses either the OK key or the NG child key. If the OK key is pressed (YES in step (125))
, immediately moves to center communication without performing a zero proof check. The reason why a zero proof check is not performed is that if the balance of payment is negative, the result in step (115) will always be NO. If the NG child key is pressed (step (126)), step (106)
Return to

In addition to the cash put into the bill deposit machine (21), the teller has cash stored in the cash storage box (64), and if this cash is added, the balance due will not become negative. If the decision is made, or if there is a withdrawal transaction that has not been processed yet in the composite transaction, the OK key can be pressed to continue the deposit transaction processing. If the NG child key is pressed, the teller can cancel the transaction using the screen request key, manually change the transaction amount (deposit amount), or re-set the cash.

FIG. 11, step (210)), step (12)
2) Although the process in (123) is not necessarily required, this process may be performed regardless of the type of transaction.

In the above example, only the processing for banknotes is shown, but it goes without saying that the processing for coins and the processing using both banknotes and coins are performed in exactly the same way.

This invention applies not only to transaction processing devices used by tellers, but also to
It can also be applied to automated teller machines operated by customers themselves. In this case, the cash deposit dispensing machine is also provided with a key for inputting the transaction amount.

As described above, according to the present invention, when one customer performs withdrawal transactions for multiple accounts, these multiple transactions can be continuously processed with one cash injection or one cash withdrawal. be able to. Therefore, the teller's operation becomes easy and the transaction processing time can be shortened. In addition, in this complex transaction, at least during push/pull processing for deposits, the balance of payment is calculated in advance, and it is checked whether the calculated balance of payment is negative. Therefore, it is possible to prevent the teller's erroneous operation, and also to prevent the conclusion of an erroneous transaction based on the teller's erroneous operation. Moreover, since a transaction continuation key is provided, if the balance of payment becomes negative, the teller can choose Power 1 to continue processing the transaction or cancel or redo it, allowing the teller to operate the transaction. The degree of freedom has increased.

[Brief explanation of the drawing]

Fig. 1 is a perspective view showing the external appearance of the transaction processing device, Fig. 2 is a block diagram showing the internal configuration of the transaction processing device, and Fig. 3 is a configuration diagram showing an outline of the large banknote machine (67) Fig. 4 is a configuration diagram showing an overview of the banknote dispensing machine, FIG. 5 is a plan view showing the keyboard, and FIG. 6 is a diagram showing the contents of the RAM.
Figure 7 is a flow chart showing the overall procedure of transaction processing, Figure 8 is a flow chart showing the procedure of data key manual processing, and Figure 9 is a flow chart showing the procedure of cash top processing. , FIG. 10 is a flow chart showing the cash storage processing procedure, FIG. 111ffl is a flow chart showing the cash payment processing procedure, FIG. 12 is a flow chart showing the cash discharging processing procedure, and FIG. 13 is the transaction operation procedure. and FIG. 14 is a diagram showing an example of a display on a CRT. (3)...CRT% +41...Keyboard,
(7) Qll... Input port, +8) (12)... Return port, (91 (131... Output port, (15)...R
AM, (211 power)... Deposit machine, (221 (241)
・・Dispensing machine, (321 (61) ・・Identification device. 23 Usu 1 Display of case Patent application No. 126154 of 1981 2. , z Ming o Name Composite transaction abnormality processing method in transaction processing device 3, relationship with the person making the amendment Case Patent applicant address Ukyo-ku, Kyoto City 10 Hanazono Tsuchido-cho Name 0 Name (294) '57 Sekidenki Co., Ltd. 4, Representative 4 non-persons 5 Date of amendment order January 26, 1980
Day 6 Number of inventions increased by amendment 7, drawings subject to amendment. 8. Contents of correction Figures 8 to 12 of the drawings will be corrected as shown in the attached sheet. that's all

Claims (2)

[Claims] (1) A cash deposit machine that distinguishes and accepts cash inserted into an input slot, a cash dispensing machine that counts a specified amount of cash and discharges it to a discharge slot, and a key that inputs the transaction amount for deposits or withdrawals. , a key for setting up a compound transaction, a transaction continuation key, and a remaining payment storage device for storing the amount to be paid for each transaction in the compound transaction, and when a compound transaction is set, it is added to and the amount of each transaction is Add the withdrawal amount to the remaining payment storage, subtract the deposited amount of each transaction from the remaining payment storage, and check whether the remaining balance is negative at least for deposit transactions, and if it is positive and zero, In the transaction processing device, if there is an input using the transaction continuation key even if it is negative, the transaction processing continues, and when the compound transaction is canceled, the amount in the remaining payment storage device is released by the cash dispensing machine. Composite transaction abnormality processing method. (2) Equipped with a display device that displays transaction information, and when the payment balance is negative, a transaction continuation warning is displayed on this display device.