JPS62169269A - Control system for transaction mode of automatic transaction device - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed description of the invention] [Table of contents] Overview Industrial field of application Conventional technology Problems to be solved by the invention Means for solving the problems (Fig. 1) Working example (a) One embodiment Explanation of the configuration (Figures 2 and 3) Φ
) Explanation of the operation of one embodiment (Fig. 4, Fig. 5, Fig. 6, Fig. 7, Fig. 8) (C)
Description of other embodiments Effects of the invention [Summary] In an automatic transaction device that executes a transaction operation by inputting a transaction medium and transaction data by a user, payment transactions can be made without inputting a password according to the contents of the transaction medium. A control unit is provided that selectively executes a first processing mode for executing a transaction and a second processing mode for executing a transaction using a password input cloth. It is designed to move to the mode.

[Industrial application field]

The present invention uses a card or a bankbook as a transaction medium.

The present invention relates to a transaction mode control method in an automated transaction device that automatically executes a transaction based on a user's input operation, and particularly relates to a transaction mode control method that can simplify the user's input operation and shorten the input time for a transaction.

2. Description of the Related Art Automatic transaction devices that perform automatic transactions using cards or passbooks as transaction media are widely used in financial institutions.

In such automatic transaction devices, since users perform input operations themselves, it is desirable to simplify the input operations as much as possible. However, it is also desirable to simplify the input operations as much as possible. Therefore, the content of the input operation is important.

[Conventional technology]

As shown in FIG. 9, the operation sequence of the conventional automated teller machine starts with the insertion of a transaction medium by a user and ends with the ejection and return of the transaction medium to the user.

That is, when the user inserts the transaction medium into the device.

The contents of the magnetic stripe of the transaction medium are read and the transaction data contained therein is checked.

The magnetic stripe of the transaction medium records the 9 issuer's 9 locus number, validity code, password, etc.

On the device side, 9 checks whether the issuer code is available, 1 the account number υ is not an invalid account, and the validity code υ checks whether the transaction medium is valid, and checks the validity of the transaction medium itself. If this check is valid, the user will be asked to enter their PIN to confirm their identity.

Verify with the PIN on the transaction medium. If the identity verification is successful, the device determines that the transaction is possible.

Once the identity has been verified, the user is then prompted to input the desired transaction amount, and the input operation step is completed.

The host computer then communicates with the host computer based on the input data, and the host computer performs two account inquiries, updates, etc., determines whether the transaction is permitted or not, and sends a message. If trading is permitted.

Transactions are executed (e.g. cash counting and release for payments)
, details are printed on the receipt or passbook 0 Finally, the transaction medium is released and the automatic transaction ends.

[Problem that the invention seeks to solve]

In such automated trading, users are required to perform at least three operations necessary for conventional trading: inserting a transaction medium, entering a PIN, and entering the transaction amount.

Furthermore, in multi-functional machines with transfer and deposit functions,
It is also necessary to input the transaction type.

For this reason, in addition to the problem that it takes time and effort for the user to operate the transaction terminal, there is also the problem that the time required for one transaction becomes long and the efficiency of use decreases.

The present invention provides an automatic transaction that separately provides a payment transaction mode that simplifies the user's input operations, simplifies the operations required for payment transactions, and maintains the security of transactions in such simplified payment transactions. The purpose is to provide a transaction mode selection method for the device.

[Means for solving problems]

FIG. 1 is a diagram explaining the principle of the present invention.

In the present invention, there are provided a first transaction processing mode in which a payment transaction can be made without entering a PIN, and a second transaction processing mode in which a transaction can be made by inputting a PIN. (for example.

These modes are automatically selected depending on the qualification data).

The first transaction processing mode is a mode in which a payment transaction is executed without entering a password, and is a mode that can be used by a specific user.

On the other hand, the second transaction processing mode is a mode in which a selected transaction is executed by entering a password, and is a mode that can be used by ordinary users.

Furthermore, even if the first transaction processing mode is executed using the transaction data of the transaction medium, if the payment amount input by the user exceeds the limit amount, the transaction processing mode is automatically switched to the second transaction processing mode that requires input of a password. ing.

[For production]

In the present invention, a first transaction processing mode is separately provided in which payment transactions can be made without entering a PIN code, and this mode is made available to specific users, so that input operations in the first transaction processing mode can be easily performed. , trading time can also be shortened.

On the other hand, this first transaction processing mode is a privilege that allows the user to perform payment transactions without entering a password from the viewpoint of being a good customer or a large customer, and this is determined based on the content of the transaction medium. Therefore, there is a possibility of unauthorized use by someone other than the specified user due to loss, theft, etc.For this reason, a payment restriction check is provided in the first transaction processing mode, and if this check is not satisfactory, , the system switches to a second transaction processing mode that requires input of a password, thereby maintaining the security of the simplified payment transaction.

〔Example〕

(a) Description of the configuration of one embodiment FIG. 2 is an overall configuration diagram of an embodiment of the present invention.

It shows an automated transaction device that allows deposits and withdrawals.

In the diagram, 1 is a card reader and a receipt issuing machine (hereinafter referred to as CIP).
), the user's card CD with magnetic stripe
, reads the magnetic stripe MS data on the card CD, imprints the embossed part on the card CD on the receipt/journal, prints the transaction details, and returns the RCP and card CD, 2 is a passbook printer which accepts the user's passbook PB with a magnetic stripe and reads the magnetic stripe MS of the passbook PB.

In addition, 3 is a banknote counter that prints transaction details on the bankbook FB and returns the bankbook FB, 3 is a banknote counting machine that counts and discharges the specified amount of banknotes from the banknote storage, and 4 performs the withdrawal operation.
5 is an envelope depositing machine that releases an envelope EV according to instructions, receives the envelope EV into which the user has deposited items such as banknotes PC or check CH, and stores it in a storage cabinet;
is an operation panel with a first input key 52 on both sides, a display 51 for providing operational guidance for the user and definition of the input key 52, and a second input key for inputting data by the user.
An input key 50 is provided.

Reference numeral 60 denotes a main control unit, which is composed of a shea microcomputer, and controls the operation of the entire device by executing a program. Reference numeral 61 denotes a card control unit, which controls the operation of the CIPI according to instructions from the main control unit 60. 62 is a passbook control unit, which controls the operation of the passbook printer 2 according to instructions from the main control unit 60, 63 is a withdrawal control unit,
An operation control section 65 controls the operation of the envelope depositing machine 4 according to instructions from the main control section 60, and an operation control section 65 controls the operation panel 5 according to instructions from the main control section 60.

A memory 66 stores programs and data necessary for the processing operations of the main control section 60.

67, which includes an executing transaction instruction register 66a, a magnetic stripe buffer 766b, a message buffer 66C, etc.;
68 is a line control unit that exchanges messages with the host computer based on instructions from the main control unit 60; 68 is a floppy disk drive that constitutes an external storage device; floppy disks 68a and 68b; For example, the floppy disk 68a stores bad accounts, bank table offline transaction data, etc., the floppy disk 68b stores programs, and the floppy disk 68a stores programs. , main control section 6
The floppy disk drive 68 is controlled by the instruction 0 to read from and write to the floppy disks 68a and 68b.

Therefore, in this automatic transaction device, a CIPI and a passbook printer 2 are provided as a medium extraction section, a bill counter 3 is provided as a dispensing section, an envelope depositing machine 4 is provided as a depositing section, and an operation panel 5 is provided as an operating section. It is configured as a multi-functional automatic transaction device that allows deposits, withdrawals, and transfers using a card CD or passbook PB.

FIG. 3 is an explanatory diagram of a transaction medium used in the present invention.

The card CD has a magnetic stripe M as shown in Figure 3 (5).
The transaction data recorded on the magnetic stripe MS includes the customer type GD and the credit balance (credit payment amount for a certain period) CC as a restriction type.

The passbook PB also has a magnetic stripe MS on the back cover as shown in Figure 3 (b), and the transaction data recorded in the v&ki stripe MS is the customer type GD and credit balance C.
Contains C.

This customer type GD is a type of qualification data determined by the user's grade, and the above-mentioned first input processing mode is selected depending on this customer type.

On the other hand, the credit balance CC is provided to limit the payment amount in the first transaction processing mode.

As a result, even if the transaction medium is lost and used by someone else, the damage can be minimized.

(b) Explanation of the operation of one embodiment Figures 4 and 3 are transaction processing flow diagrams of an embodiment of the present invention, and Figures 5 and 6 are operations in Figures 4 (A) and (B). An explanatory diagram of the guide screen, FIG. 7, and FIG. 8 are explanatory diagrams of bankbook entry.

In this embodiment, the first transaction processing mode (referred to as quick service transaction) can be selected only for payment transactions, which account for more than half of automatic transactions, and quick service transactions cannot be selected for other deposits, balance inquiries, etc. A second normal transaction processing mode (referred to as normal transaction) is selected.

■ First, in the standby state waiting for insertion of transaction medium,
The quick service screen shown in FIG. 5 (5) is displayed on the display 51 of the operation panel 5. This quick service screen is a guidance screen that says ``Please insert your card or passbook'' and ``Press the desired transaction button.''
In addition, the first input keys 52 on both sides of the display 51 are for quick service, so the number of inputs from "1000 yen payment" to "
There is a fixed amount payment definition of ``20,000 yen payment'' and other transaction selection definitions.

In this state, when the card CD is inserted into the CIPI or the passbook FB is inserted into the passbook printer 2, the transaction data on the magnetic stripe MS of the card CD or passbook PB is read by the CIPI or the passbook printer 2, and the transaction data is read by the card control unit 61 or the passbook FB. Transaction data is provided to the main control section 60 via the control section 62 and stored in the magnetic stripe buffer 66b of the memory 66.

The main controller 60 checks the validity of the transaction data in the magnetic stripe buffer 66b. That is.

Issuer code and validity code of transaction data.

Check the validity of account numbers, etc.

■ If even one of the validity checks is found to be invalid, display the passbook or card release screen shown in FIG. 6 (5) or FIG. 6 (g) on the operation panel 5 via the operation control unit 65; In addition, the card CD or passbook PB inserted by CIPI or passbook printer 2 is returned.

■ On the other hand, if the validity check described above is satisfactory, the main control unit 60 checks the customer type G of the transaction data in the buffer 66b.
Check D and determine whether quick service transactions are possible. If the quick service transaction is possible, record the quick service payment in the active transaction register 66a of the memory 66.

The system waits for input of the first key 52 on the quick service screen shown in FIG. 5(5).

When the user presses any one of the first keys 52, the main control unit 60 is notified of the pressed content via the operation control unit 65.

The main control unit 60 checks whether the pressed content is a fixed amount payment or other transaction, and if the other transaction is pressed, it cancels the quick service transaction and cancels the quick service payment in the transaction register 66a in progress in the memory 66. 9 Normal transaction Rewrite it as
Proceed to step ■ normal trading.

On the other hand, when the pressed content is fixed amount payment, the main control unit 60 compares the credit balance CC in the buffer 66b of the memory 66 with the input payment transaction amount.

If the payment transaction amount is equal to or greater than the credit balance CC, the quick service transaction is canceled and the transaction register 66a in the memory 66 is stored.
Cancellation of quick service payments.

Rewrite it to a normal transaction and proceed to the normal transaction in step ■0. Therefore, quick service transactions are only possible for fixed amount payment transactions shown on the screen in Figure 5 (5), and for other amount payment transactions and other The transaction is executed as a normal transaction.

(2) In step (2), if the quick service transaction is not possible, the main control unit 60 sets the contents of the ongoing transaction instruction register 66a in the memory 66 to a normal transaction.

After this, or in the case of canceling the quick service transaction in step ■, you will be asked to enter your PIN.

The main control section 60 causes the display 51 of the operation panel 5 to display the password input screen shown in FIG. 5 via the operation control section 65.

As a result, when the user inputs his/her password using the second key 50, the main control section 60 is notified via the operation control section 65.

The main control unit 60 is a magnetic stripe buffer 6 of a memory 66.
6b and this input password are compared and verified.

If this comparison is good but not, return to step ■.
Return the card CD or passbook PB.

On the other hand, if the comparison is successful, the main control section 60 displays the transaction selection screen shown in FIG. 5 (Q) on the display 51 of the operation panel 5 via the operation control section 65 in order to input the transaction type.

Users can "pay," "deposit," and "inquire about balance."

More transaction types such as "transaction inquiry" and "transfer" can be input using the first key 52.

When the user selects "Payment" using the first key 52, the operation control unit 65 sends the message to the main control unit 60, which rewrites the contents of the transaction instruction register 66a in progress to normal transaction payment, and Display 5 of operation panel 5 via 65
1, the amount input screen shown in Figure 5 ◎ is displayed.

On this amount input screen, it is "1o000 yen".

"20,000 yen J, l'-30,000 yen", "5,000 yen
0 yen" is input more often than the first key 52, and other keys are input more often than the second key 50.

The user thereby inputs the payment amount using the first key 52 or the second key 50.

On the other hand, if you select anything other than "Payment" on the transaction selection screen in FIG.
The content of a is rewritten as a normal transaction to the specified transaction, and the corresponding transaction input process is executed. For example, for balance inquiries and transaction inquiries, no further input is required and the process proceeds to step ■.
If it is a "deposit", the envelope deposit machine 4 is controlled, and if it is a "transfer", the above-mentioned amount input and transfer destination are input.

(2) In this way, when the input processing is completed at step (2) or (2), the main control unit 60 creates a message to be sent to the host computer according to the contents of the transaction instruction register 66a. For example, in the case of a quick service transaction, as shown in FIG. 7 (5).

Create a transmission message by including the message type (quick service transaction), medium used (card, passbook), etc. as a header, transaction date, input amount, and passbook (or card) data as data. For example, as shown in the example of the normal transaction payment message in FIG. 8 (5).

A transmission message is created using the message type (regular payment transaction) and the medium used as headers, and the transaction date, input amount, and input PIN 1 passbook (or card) data as data.

■ The main control unit 60 then sends a transmission message to the host computer via the two-line control unit 67, communicates with the host computer, and displays the message shown in FIG. 6(5) on the display 51 of the operation panel 5 via the operation control unit 65. Display the communication screen.

In the host computer, Figure 7 (5) and Figure 8 (5)
As shown in FIG. 3, when receiving a transmitted message, the account status is checked from the user's account file, it is determined whether the transaction is possible, the user's file is updated, and a received message indicating whether the transaction is possible or not is transmitted.

After the main control unit 60 stores the received message from the line control unit 67 in the message buffer 66C of the memory 66.

Analyze this.

When the main control unit 60 determines through this analysis that transaction disapproval is included in the header of the message, it returns to step (5) in FIG. 4 and returns the card CD or passbook.

(2) Conversely, if the main control unit 60 determines that the transaction is permitted, it determines whether or not it is a quick service transaction based on the contents of the transaction instruction register 66a in progress, and if it is not a quick service transaction, it proceeds to step (3).

When the main control unit 60 determines that the transaction is a quick service transaction, it checks whether the transaction is a card transaction or a passbook transaction.

■ For passbook transactions, the host computer sends the type of message (quick service transaction approval), magnetic stripe data, and print data as a received message as shown in FIG. A withdrawal instruction for the input amount is given to the withdrawal control section 63, and the nine-bill counter 3 performs a counting operation for the instructed amount.

At the same time, the magnetic stripe data and print data are supplied to the passbook control unit 62, and the passbook printer 2 prints the passbook.
The magnetic stripe M8 of B is updated and printed.

At this time, only the print data of the transaction is transmitted from the host computer, and as shown in FIG. 7CB), in the quick service, one line for the transaction is not recorded.

In other words, even if there is unrecorded data in the file on the host computer, it will not be sent, and only the relevant transaction will be sent as print data.

To reduce bookkeeping time in quick service and reduce the time required for transactions.

Next, the main control unit 60 causes the display 51 to display the passbook release screen shown in FIG. Let it be released.

Furthermore, the main control section 60 causes the display 51 to display the cash dispensing screen shown in FIG. is released and terminated.

■ If it is determined in step ■ that it is a card transaction, the main control unit 6
0 gives a withdrawal instruction for the amount inputted in step (2) to the withdrawal control section 63, and causes the 9 bill counter 3 to perform a counting operation for the instructed amount.

At the same time, the main control unit 60 gives the card control unit 61 instructions for printing a receipt, imprinting, and updating the card.
The IPI allows imprinting of the emboss on the card CD, printing of the receipt, and updating of the magnetic stripe MS.

Next, the main control unit 60 causes the display 51 to display the card release screen shown in FIG.
to be released.

Furthermore, the main control section 60 causes the display 51 to display the cash dispensing screen shown in FIG. is released and terminated.

[Phase] When it is determined in step (2) that the transaction is not a quick service transaction (that is, it is a normal transaction), the main control unit 60 determines whether or not the transaction is a card payment based on the contents of the transaction instruction register 66a in progress, and determines whether the transaction is a card payment or not. For example, step (2) executes a card payment transaction for the amount input in step (2).

On the other hand, if it is not a card payment, it is determined whether it is a card transaction, and if it is a passbook transaction that is not a card transaction.

Proceed to step ■.

Card transactions (i.e. card deposits, card transfers).

card balance inquiry, etc.), the main control unit 60.

Receipt printing and imprinting on the card control unit 61.

Give the card update instruction and use CIPI to update the card CD.
The upper emboss imprint, receipt printing, and magnetic stripe MS are updated.

Next, the main controller 60 causes the display 51 to display the card release screen shown in FIG. Cash register-1-
Release the RCP and end the transaction. 0 (2) If it is determined in step [phase] that the transaction is not a card transaction but a passbook transaction, the main control unit 60 determines whether the transaction is a passbook payment.

When the main control section 60 determines that the payment is for one passbook, the main control section 60 gives a withdrawal instruction for the amount inputted in step (2) to the withdrawal control section 63, and causes the two-bill counter 3 to perform a counting operation for the instructed amount.

At the same time, a passbook update instruction is given to the passbook control unit 62.
Magnetic stripe MS on passbook PB by passbook printer 2
Furthermore, the main control section 60 causes the display 51 to display the cash dispensing screen shown in FIG. From 3, the counted cash is released.

After releasing this counted cash, or if it is determined that it is not a passbook payment, 2
Enter the passbook entry step.

That is, the main control unit 60 sends a bookkeeping request to the host computer, and in addition to the received message received in step
As shown in the figure, unrecorded (printed) data of the user's file is received.

Then, as shown in FIG. 8 03), the main control unit 60 gives a bookkeeping command and print data to the bankbook control unit 62, and the nine bankbook printers 2 sequentially print the unrecorded data on the bankbook FB, and finally the current transaction Print the data.

Next, the main control unit 60 causes the display 51 to display the passbook release screen shown in FIG. is released and terminated.

In this way, one of the quick service transactions (9) is selected and executed depending on the customer's classification of transaction data (card CD or passbook PBC).

In this quick service transaction, only fixed amount payment transactions are possible, so the input operation is completed only by inputting the key 52 corresponding to the fixed amount displayed on the screen of FIG. Only the current record will be recorded. Therefore, input operations can be extremely simplified and bookkeeping time can be shortened, so that the time required for one transaction is significantly shortened.

On the other hand, in 1 normal transaction, variable amount payment transactions and transactions such as deposits other than payments are possible, and in this case, as in the past, inputting a password and inputting an amount are required as input operations.

Furthermore, even unrecorded portions are recorded in one passbook as in the past, which is convenient for recording contents.

Also, even if quick service transactions are possible.

Other transactions can be specified in step (2), and in this case, normal transactions, variable amount payments, and other transactions can be performed.

Furthermore, even in quick service transactions, for payment transactions that exceed the credit balance, in order to maintain the security of the transaction, the transaction is switched to 1 normal transaction, and the identity is verified using a password to ensure the safety of the transaction.

This credit balance indicates the possible transaction amount in one day or multiple days, and is updated for each quick service transaction.

(C) Explanation of other embodiments In the above embodiments, a multi-functional automated teller machine capable of making transfers, deposits, etc. was explained, but an automated teller machine capable of only making payments may also be used. Either one of the passbooks may be used as a transaction medium.

Also, in the one bankbook entry step, even unrecorded amounts may be recorded in quick service transactions as well as in normal transactions, and the amount input for quick service transactions may not be a fixed amount, but a variable amount may also be entered.

Further, although the password is checked on the terminal side, it may be checked on the host computer, and restrictions may be generated within the device instead of being recorded on the transaction medium.

Although the present invention has been described above with reference to embodiments, the present invention can be modified in various ways according to the gist of the present invention.

These are not excluded from the present invention.

〔Effect of the invention〕

As explained above, according to the present invention, the first transaction processing mode that does not require the input of a password is separately provided, and the payer's manual operation in the first transaction processing mode is enabled depending on the content of the transaction medium, so that the input operation is This has the effect of making it easier and contributes to reducing the burden on the user. This also reduces the time required for transactions! This has the effect of reducing transaction time for users, contributing to improved services, and also has the benefit of improving usage efficiency for institutional establishments.

In addition, it is possible to minimize the damage caused by fraudulent transactions due to the ability to pay without entering a PIN in the first transaction processing mode by checking the limit amount, thereby minimizing the harm caused by such simple input. Can be done.

Furthermore, even if the limit amount is exceeded, the second transaction processing mode allows payment within the account balance.

This has the effect of preventing payment restrictions from being imposed on authorized users.

[Brief explanation of drawings]

FIG. 1 is a diagram explaining the principle of the present invention. FIG. 2 is a configuration diagram of an embodiment of the present invention. FIG. 3 is an explanatory diagram of a transaction medium used in the present invention. FIGS. 4A and 4B) are transaction processing flowcharts according to an embodiment of the present invention. FIG. 5 and FIG. 6 are explanatory diagrams of the operation guidance screen used in the present invention. FIG. 7 is an explanatory diagram of bankbook entry in quick service. FIG. 8 is an explanatory diagram of bankbook entry in normal service. FIG. 9 is an explanatory diagram of the prior art. In the figure, 1... Card reader/receipt issuing machine (reading means). 2...Passbook printer (reading means). 5...Operation panel (input means). 60...control unit.

Claims (1)

[Claims] Reading means (1) for reading transaction data of a user's transaction medium
, (2) an input means (5) for a user to input instructed data; a first transaction processing mode for executing a payment transaction without the user entering a password; and a first transaction processing mode for executing a transaction by inputting a password. a control unit (60) selectively executing a second transaction processing mode according to the content of the read transaction data;
The user inputs the input means (5) while executing the transaction processing mode.
), the second transaction processing mode is executed in response to the input payment amount exceeding the limit amount.