JPS62190556A - automatic trading system - 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] [Summary] An automatic transaction system for financial institutions, etc., which allows simple deposits and withdrawals,
Simple transactions such as internal bank transfers and check transactions.

It is appropriate to have an automatic reception device and an automatic return device at the counter, which can accept complex transactions such as large withdrawals, and an automatic processing device and an operator seat at the rear, and automatic return processing for specified transaction types. We will automatically process the return when appropriate.
If it is inappropriate, the customer is notified of this fact and the return process is carried out in a separate room, thereby expanding the scope of transaction automation and increasing safety.

[Scope of industrial use]

The present invention relates to an automatic transaction system for carrying out simple transactions and complex transactions in financial institutions, etc., and in particular, in the case of large withdrawal transactions, the customer is placed in a separate room and processed safely without automatic return. It is related to an automated trading system that can improve performance.

Recently, automatic deposit dispensing machines (Auto
omatic Te11er Machine: Hereafter A
Automatic transaction devices such as TM) are widely used.

Although simple transactions such as deposits and withdrawals can be carried out at these ATMs, complex transactions such as issuing a passbook by opening a new account or transactions involving large amounts of money cannot be carried out at these ATMs, so these transactions are handled by tellers at the counter. . Therefore, there is a need for a method that can automatically process both simple and complex transactions, and that can also guide large transactions, important customers, etc. to return processes in a separate room instead of automatically.

[Conventional technology]

At financial institutions, deposits, withdrawals, i! Transactions such as m-book entries, balance inquiries, and transfer processing are mainly performed automatically by users' operations at ATMs and the like. In addition, complex transactions such as new account openings, cancellations, check transactions, tax reserve deposits, and handling of large amounts of money are handled by tellers at counters. Attempts have been made to develop an automated automatic deposit/withdrawal system in which cash is transported by a cash storage machine, and in response to a withdrawal request, the money is counted and withdrawn by an automatic teller machine and then transported to a teller by a carrier.

[Problem that the invention seeks to solve]

In the conventional method described above, a teller handles complex transactions and large amounts of money that cannot be processed by automatic transaction devices such as ATMs at the teller counter. It requires a lot of , as well as opening and canceling new accounts.

Complex transactions such as tax reserve deposits not only require a large number of tellers, but also require a long wait time for customers. Therefore, there is a need for a method that can automatically process both simple and complex transactions, and in this case, there is also a need for a method for returning goods that should be returned in a separate room after processing large transactions and transactions for important customers. There is a point.

[Means for solving problems]

FIG. 1 is a block diagram of the principle of the present invention. In the figure,
1 is an automatic machine having a number plate issuing means 2 which performs a reception process by inserting a specified transaction type and goods necessary for the specified transaction based on the user's transaction type designation operation and issues a reception number plate. Reception device 3 is an automatic processing device that has the function of performing multiple types of simple transaction processing and complex transaction processing, and performs transaction processing based on reception processing; 4 is an automatic processing device for transaction types that require operator intervention; Operator seat where an operator is placed for transaction processing; 5 is a return method that depends on whether automatic return processing is appropriate for the transaction; if it is inappropriate, a return method other than automatic return is used. Judgment/%I designation means, 6 is a notification means for notifying the reception number of the corresponding reception number tag when the transaction processing is completed, 7 is a notification means for returning the transaction result by inserting the reception number tag after notification by the notification means 6. An automatic return device 9 transfers the items necessary for a specified transaction from the automatic reception device 1 to the automatic processing device 3, and transports the items to be returned from the automatic processing device 3 to the automatic return device 7. Alternatively, it is a transport means 8 that transports the returned item to a predetermined location using the return method determination/designation means 5.

Therefore, once the specified transaction type is accepted and processed, and the goods necessary for the specified transaction are inserted, a reception number tag will be issued.
The goods necessary for the transaction are transported and the transaction is processed. If automatic return processing is appropriate, it will be automatically returned by inserting a reception number tag, and the transaction will be completed.

If automatic return processing is inappropriate for important customers, etc., the return item is returned by the method specified by the return means judgment/designation means 5.

[Effect]

When the user specifies the transaction type on the automatic reception device 1 and inserts the goods necessary for the specified transaction, the reception process is performed and a reception number tag is issued by the number tag issuing means 2, and the customer receives the reception number tag. The goods necessary for the transaction are transported by the transfer means 8 to the automatic transaction device 3 or the operator's seat 4, where the transaction is processed. In addition, in the reception process, the return method determination/wait designation means 5 determines whether automatic return is appropriate or not and specifies the return method, and in the case of a transaction for which automatic return is appropriate, the returned item is sent to the automatic return device 7. It is transported, and the corresponding reception number is notified by the notification means 6. When the customer inserts the receipt number tag into the automatic return device q, the returned item is returned and the transaction is completed.

Furthermore, in the case of large-scale transactions and important customers, automatic return processing is deemed inappropriate, and the returned item is transferred to a predetermined location, and the returned item is returned by the method specified by the return method determination/designation means 5. For example, when the transaction process is completed and the reception number is announced, if the customer inserts the reception number tag into the automatic return device 7, a guidance will be displayed indicating that the returned item will be handed over in a separate room, and the customer will receive the reception number at the entrance of the designated separate room. By inserting the tag, you can enter the room and collect the returned items.

In this way, simple and complex transactions are automatically carried out, and in the case of large transactions or important customers, they are not returned automatically and are carried out in a separate room, increasing safety and improving service. can be achieved.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 2 and 3. FIG. 2 is a block diagram showing an embodiment according to the present invention, and FIG. 3 is a flowchart of FIG. 2. Like numbers refer to like objects throughout the design. In FIG. 2, parts corresponding to those in FIG. 1 are shown surrounded by a dashed line.

In FIG. 2, the automatic reception desk a 1 a and the automatic return machine 7a are installed at the window loss stations 9a and 9b, and the automatic processing machine 3a + 3b + and the operator seat 4a are located at the processing station behind the window loss stations 9a and 9b. 90 to 9e. window loss tea silan 9a,
9b and the processing stations 90-9e are provided with delivery mechanisms 103-10e, respectively, and are connected by a transport rail 8a. A carrier 11 that is driven by a beam near motor is arranged on the transport rail 8a.

The automatic reception desk 4ala includes an operation display section 1b, an insertion section 1c, a return method determination/designation section 5a, and a number plate issuing section 2a, and the automatic reception desk 4ala is equipped with an operation display section 1b, an insertion section 1c, a return method determination/designation section 5a, and a number plate issuing section 2a, and is configured to perform a transaction type designation operation by the customer, and to display items required depending on the transaction type, that is, cards, cards, etc. Process the transaction by inserting a slip, cash, check, etc., and determine the return method/
The return method is designated in the designation section 5a. That is, it is determined whether automatic return is appropriate based on the customer's account number or transaction amount, etc., and if automatic return is appropriate from the number plate issuing unit 2a, the written number is also written on the magnetic stripe on the back side. We issue receipt number tags with the same recorded number, and in cases where automatic return is inappropriate due to important customers, large transactions, etc.

For example, the number shown is a normal reception number, but in addition to that number, the magnetic stripe on the back of the reception number tag has additional data recorded to display guidance to direct you to a separate room instead of automatically returning the card. It has the function of issuing.

The automatic processing machine 3a has a function of processing the receipt and disbursement of paper sheets such as cash.

The automatic processing machine 3b inputs the account number and customer name in the case of carryover due to expiry of passbook use or opening of new account.

It also has the function of printing the necessary amount, etc., and issuing a passbook.

The operator seat 4a is a seat where an operator is placed to perform processes that require human intervention, such as seal verification.

The calling device 6a is connected to the number notification unit 6b, and when the transaction processing i3a, 3b and the processing of one transaction by the operator are completed, the corresponding reception number is displayed on, for example, an optical display panel according to a command from the system control device 12, which will be described later. This is a notification means that provides notification by a number notification unit 6b such as.

Automatic return 11? a is a number plate receiving section 7b and a return section 7;
c, when the customer inserts the reception number tag into the number tag receiving section 7b as notified by the number notification section 6b, the reception number tag is automatically returned.In the case of only a normal reception number, the item to be returned is returned to the return section 7c. If there is guidance to be displayed in addition to the reception number in a transaction in which automatic return is inappropriate, it has a function to read this and display it on the number notification section 6b to notify the customer.

The delivery mechanisms 10a to 10e include: automatic reception machine 1a + automatic processing machine 3a + 3b + operator seat 4. and automatic return machine 7a
This is a mechanism for loading/unloading cards, slips, cash, checks, etc. between the carrier 11 and the carrier 11.

The system control device 12 uses the automatic reception machine 1a to answer questions.
a receipt number memory 12a for storing transactions and their receipt 41 numbers in correspondence; and an automatic processing machine 3a;
Balance of 3b, ll11! It is equipped with an operation display panel 13 for managing physical items such as remaining items, and also includes an automatic reception machine 1a, automatic processing machines 3a and 3b, automatic return machine 7a, and delivery mechanisms 10a to 1.
0b, and the driving of the carrier 11, and the calling device 6a.
It has the function of controlling the

With such a configuration and function, the operation will be explained using the flowchart shown in FIG. , items necessary for the transaction according to the display guidance, i.e. cards, slips, books, etc.
When cash, a check, etc., or multiple items are inserted, the transaction is accepted.

■When the reception process is performed, the return method determination/designation unit 5a determines whether or not automatic return is appropriate, and transactions for which automatic return is appropriate are notified to the system control device 12 along with the reception number, and the transaction is accepted. The number is recorded in the reception name memory 12a, and a reception number tag is issued according to instructions from the system control device 12.

■In addition, for transactions for which automatic return is inappropriate, data instructing to return to a separate room is added in addition to the reception number, and the system control device 1
2, the reception number and additional data corresponding to the transaction are stored in the reception number memo 2a, and a reception number tag is issued according to instructions from the system control device 12.

■The customer takes the reception number tag and waits.

■According to the instructions of the system control device 12 according to the contents of the received transaction, the received items are loaded onto the carrier 11 and transported to any of the processing stations 90 to 9e, and the automatic processing machine 3a
, 3b, or if manual processing of the received items is required, the processing is performed at the operator's seat 4a.

■When the transaction processing is completed in this way, the system control device 12
When a command is issued and automatic return is performed, the carrier 11 transports the return item, ie, cash, five bankbooks, etc., to the automatic return a7a.

■When the returned items are collected at the automatic return machine 7a, the system control device 12 is notified, the reception number corresponding to the transaction is read from the reception number memory 12a, and the reception number is called by the calling device 6a. The notification is displayed on the notification section 6b, and the customer who requested the transaction is called.

■When the customer inserts the reception number plate into the number plate receiving section 7b of the automatic return machine 7a, the acceptance number is read and confirmed, and a shutter (not shown) of the return section 7c opens to pick up the returned item. be able to. When the returned item is returned, the system control device 12 is notified and the transaction is completed. The "Receive" number tag is collected by the automatic return machine 7a.

(2) In the case of returning to a separate room, the returned items are sent to the operator's seat 4a by the carrier 11, and when the returned items are collected, the operator notifies the system control device 12 of the account number of the completed processing from the operation display panel 13.

[phase] Then, the reception number is displayed on the number notification section 6b, similar to ■, and the customer who requested the transaction is called.

■When the customer inserts the reception number plate into the number plate receiving part 7b,
The reception number is read and confirmed, additional data for returning to a separate room is read and displayed on the number notification section 6b, and the reception number tag is returned.

@When the customer inserts the reception number plate into the number plate insertion part (not shown) in the designated separate room, the number plate insertion part is connected to the system control device I2, the number is confirmed, the door opens, and the customer can enter the room. I can do it.

■The operator enters the room from a separate entrance carrying the items to be returned, hands the returned items to the customer, and completes the transaction.

In this way, not only simple transactions that can be processed by ATMs, etc., but also transactions that cannot be processed by A 'I' M? i5'=(1
Transactions can also be processed, and processing time can be shortened by automatically processing complex transactions.In addition, in the case of large transactions or important customers, additional data is attached to the receipt number so that the transaction is not returned automatically but is returned in a separate room. Issuing tickets can further enhance safety and improve service.

In the above example, we have explained the case where only one automatic reception machine 1a and one automatic return machine 7a are installed at the counter, but each one? !
By installing tμ units, it becomes possible to take measures against downtime and improve the operation and service of the Fj system.

Further, in the above example, a case will be described in which an article inserted into the automatic reception machine 1a is conveyed by a carrier 11 that is driven by a linear motor to run on a conveyor rail 8a, and after processing, a returned article is similarly conveyed to the automatic return 417a by the carrier 11. However,
In the case of other conveyance methods, for example, when conveyance is carried out by a conveyor, similar effects can be obtained.

Furthermore, for transactions for which automatic return is inappropriate, or as a method of notifying customers, a reception number tag is issued with additional data indicating that the return should be made in a separate room, and by inserting the reception number tag, the number notification unit 6b displays a message indicating that the product should be returned in a separate room. Although we have explained the case where the notification is issued, it is of course possible to use other notification methods, such as voice notification when issuing the reception number tag.

Alternatively, a display may be used to notify the customer, or a method may be used in which the customer with the corresponding reception number is guided to a separate room by voice when the transaction process is completed and the returned items have been collected.

Furthermore, even when the automatic return service JA7A is down, it is possible to respond to customers by returning the products all at once to a separate room.

〔Effect of the invention〕

As explained above, according to the present invention, (1) complex transactions that cannot be processed by current automatic transaction devices such as ATMs, and transactions involving large amounts of money, etc. become possible;

■A number tag is issued only for items accepted and processed by the automatic reception device, and returned items can be picked up using only the number tag, improving safety.

■Furthermore, in the case of large transactions or important customers for which automatic return is inappropriate, the returned items can be returned in a separate room, further increasing security in terms of crime prevention and even when the automatic return system is down. Able to deal with customers.

■It is possible to significantly automate the reception to return operations at financial institutions, and it is also possible to improve services through (3).

There is an effect.

[Brief explanation of drawings]

FIG. 1 is a block diagram of the principle of the present invention, FIG. 2 is a block diagram showing an embodiment of the present invention, and FIG. 3 is a flowchart I of FIG. In the figure, 1 is an automatic reception device, 1a is an automatic reception machine, 1b is an operation display section, 1c is an insertion section, Cz7 is a return section, 2 is a number plate issuing means, 2a is a number plate issuing section, 3 is an automatic processing 3a and 3b are automatic processing machines, 4 and 4a are operator seats, 5 is a return method judgment/designation means, 5a is a return method judgment/designation unit, 6 is a notification means, 6a is a calling device, and 6b is a number 7 is an automatic return device, 7a is an automatic return machine, 8 is a transport means, 8a is a transport rail, 7
b1) Numbered acid X section, 9a and 9b are window loss regions, 90 to 9e are processing stations, 10a to 10e are delivery mechanisms, 11 is a carrier, 12 is a system control device, 12a is a reception number memory, 13 is an operation display Show panel. Article 2 b

Claims (5)

[Claims] (1) A number plate issuing means (2) that executes a reception process by inserting the specified transaction type and goods necessary for the specified transaction based on the user's transaction type designation operation, and issues a reception number plate. at least one automatic reception device (1) having
and an automatic processing device (3) having the function of executing multiple types of transaction processing, each of simple transactions and complex transactions, and executing transaction processing based on the reception processing, and the transaction type requires operator intervention. Operator seats (4) where operators are placed for transaction processing.
), a return method determination/designation means (5) for specifying a return method other than automatic return depending on whether automatic return processing is appropriate for the specified transaction type, and if it is inappropriate, a return method other than automatic return processing (5); a notification means (6) for notifying the reception number of the corresponding reception number tag when the reception number plate is completed;
), at least one automatic return device (7) returns the goods to be returned as a result of the transaction by inserting the reception number tag, and the automatic reception device (1) returns the goods necessary for the specified transaction.
The article to be transferred from the automatic processing device (3) to the automatic processing device (3) and returned is transferred from the automatic processing device (3) to the automatic return device (7).
Alternatively, an automatic transaction system comprising: a transport means (8) for transporting the return method to a location designated by the return method determination/designation means (5). (2) The return method determination/designation means (5) is provided in the automatic reception device (1) and performs a preset determination based on the specified transaction type and the insertion of the goods necessary for the specified transaction. The automatic transaction system according to claim 1, further comprising a determining means for determining whether automatic return processing is appropriate based on a criterion. (3) The return method determination/designation means (5) is provided in the automatic reception device (1), and depending on whether automatic return processing is appropriate, if it is inappropriate, the reception number plate is An automatic transaction system according to claims 1 and 2, characterized in that different types of receipt number tags are issued. (4) The return method determining/designating means (5) includes a return method notifying means that is notified by inserting a reception number tag into the automatic return device (7). Automated trading system described in. (5) The automatic transaction system according to claim 1, wherein the return method determining/designating means (5) is an operator operation instruction means operated by the operator at the operator seat 4. .