JPS60250468A - Automatic cash depositing and repaying machine - Google Patents

Abstract

PURPOSE:To enable to make depositing and repaying of cash freely between each financial organ by providing a transmitting block for each financial organ in which interface conformable to specification of each financial organ used in common. CONSTITUTION:A customer service section 3, a display section 4, a card reader 5, a slip issuing machine 6, a bankbook printer 7, a bill checker 8, a note releasing machine 9 a program memory 10, a data memory 11, an auxiliary memory 12, and a transmitting block 13 to connect to own company's computer center are connected organically by an electronic computer 2. Besides a block that can make business of free depositing and repaying for own company's customers, transmitting blocks 14 having interface conformable to codes of other company's computer center are provided larger in number than the number of financial organs used in common, and housed in the automatic cash depositing and repaying machine. The transmitting block of a bank requested by a user is selected, and items required by the user are transmitted electrically to the computer center of the bank, and necessary processing is performed.

Description

[Detailed Description of the Invention] Field of the Invention This invention relates to a machine that automatically deposits or withdraws cash at a financial institution, and each financial institution uses a computer system with its own specifications. Although it is not possible to disconnect the computer centers of each financial institution with a single code, it is possible to connect each financial institution with a simplified interface, allowing depositors to freely make deposits and withdrawals at any financial institution. The invention relates to an automatic teller machine that can be used to

Conventional technology A method of using automatic teller machines for joint use by multiple financial institutions is to use a relay computer center to standardize the automatic teller machines of each company to a common specification, so that they can be freely used between each computer center. In addition to the method of making connections possible, data from each company's automatic teller machines can be stored on magnetic tape or magnetic disk devices that have common specifications, and the data can be stored between each company's automatic teller machines and each computer center. There is also a method of processing by batch processing using data in those auxiliary storage devices.

However, these methods require huge equipment costs,
Since financial institutions are unable to meet the immediacy that they most need, automatic cash teller services between financial institutions have not been able to be developed even if depositors wanted to do so.

Purpose It is possible to directly connect the computer centers of multiple financial institutions without losing immediacy, rather than a huge number of relay computer centers, and to enable joint use with each financial institution through an interface that has the specific specifications of each financial institution. The company provides an automated teller machine that can

Structure: The automated teller machine has a transmission block for each financial institution that incorporates an interface that meets the specifications of the computer center of each financial institution that is jointly used, so that cash can be exchanged freely with each financial institution. This invention relates to an automatic teller machine that allows deposits and withdrawals of cash.

Embodiment The parts surrounded by a dotted line frame 1 in FIG. pill checker 8
, the banknote dispensing machine 9, the program memory 10, the data memory 11, the auxiliary storage device 12, and the transmission block 13 for connection to the company's computer center are organically combined by the computer 2. It constitutes an automatic teller machine that allows customers to freely deposit and withdraw money. The part indicated by 14 is a part unique to the present invention, and is a transmission block that has an interface that matches the code of another company's computer center. It is contained.

FIG. 2 is a flowchart of operations when using the automatic teller machine. 15 is the starting point, and the user inserts a card or passbook at 16 upon request from the automatic teller machine. The automatic teller machine reads the code data of the inserted card or passbook and identifies it by the data in the program memory or data memory. The first comparison and identification is the bank number, which is performed by the judge 1'7. If it matches the registered bank number, a command 17y is issued, and the common preprocessing 19 determines the contents of the card or passbook and makes a payment. processes such as determining whether the deposit is fraudulent, answering questions about the PIN number and amount, and accepting banknotes.

[Common pre-processing] When step 9 is completed, bank-specific pre-processing 20 starts to perform processing specific to the D AiJ printing financial institution. When this process is completed, bank-specific message editing 21 is performed, and the transmission proref of the bank requested by the user is selected from 22,
The user's requirements are electronically transmitted to the computer center of the bank, and the results are referred to the bank's file and processed by bank-specific processing 23, which performs processing such as telegram translation, post-printing, and distinguishing between cards and passbooks. be exposed. After this process, common post-processing 24
Next, step 25 is performed in which necessary data such as transactions is stored in an auxiliary storage device such as a floppy disk.

If the determination result in step 17 is negative, an l'i'n command is issued, and the process moves to completion 28 through acceptance rejection step 18. Transactions for each financial institution are summarized by 26, and when they are completed, necessary items such as banknotes, banknotes, or bankbooks are handed over to the user by 27. When this process is completed, the completion display of 28 is displayed.

Effects With the present invention, each financial institution can directly connect to the computer center of each financial institution by simply installing an automatic teller machine that can be used jointly, without having to have a huge relay computer center, and can measure the benefit of the user. It can contribute to the spread of automatic teller machines because it can be installed at low cost without losing immediacy, without compromising the specific specifications of each financial institution, and moreover, can contribute to the spread of automatic teller machines.

[Brief explanation of drawings]

FIG. 1 shows the functions of the present invention in a block diagram,
FIG. 2 shows the operating process in a flow chart. l...Automated teller machine, 2, 10, 11, 12
°°゛Calculator, 3. 4. , 5. 6. '7. 8
．． 9. 13... Functions of automatic teller machine, 14. ．．
22...Transmission block, 15~21+2 (J~
28...Work process in flowchart. Agent Patent Attorney Kosuke Agata

Claims (1)

[Claims] An automatic teller machine characterized by having a plurality of built-in interfaces having specifications unique to each financial institution so that it can be connected to the computer centers of each of a plurality of financial institutions.