JPS61260387A - Transfer transaction 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 [Technical Field of the Invention] The present invention relates to a transfer transaction system that is applied to automatic transaction devices such as automatic teller machines that can transfer cash to other financial institutions, for example.

[Technical Background of the Invention] In recent years, automatic cash payments have been developed that automatically pay cash requested by the user by accepting a magnetic card with account information recorded on it submitted by the user and communicating with a host computer (center). machine, or a magnetic passbook with a magnetic stripe on which account information is recorded; an automatic teller machine that automatically dispenses the cash requested by the user by communicating with a host computer; or a magnetic stripe on which account information is recorded. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks with tags, and automatic teller machines that combine both of these functions into one machine, are being used as automation equipment at bank counters. It has developed rapidly and has been introduced by banks to provide quick services to their users.

In addition, recently, automatic transaction devices have been used to accept cash and transfer the received cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. A device that performs this has been developed and put into practical use.

In addition, each user's transfer information (li transfer destination,
In order to omit the key manual input (recipient name, client name, telephone number, etc.), the key manual transfer information is recorded in a machine-readable manner, that is, magnetically recorded on a magnetic stripe, and the transfer is made visible to the user. A system has recently been developed and put into practical use that issues a transfer card with information printed on it as a transaction medium, and performs the transfer transaction based on the transfer information recorded on the magnetic stripe of the transfer card for the second and subsequent transfer transactions. has been done.

[Problems with the background technology] However, the issued transfer card has an expiration date, and when that expiration date expires, the transfer card is determined to have expired if used, and the accepted transfer card is returned to the user. It looks like this. Therefore, there was a problem in that the user had to enter the transfer information manually again.

[Object of the Invention] The present invention has been made in view of the above-mentioned circumstances, and its purpose is to provide a transfer transaction method that can simplify user operations in transfer transactions.

[Summary of the invention] In order to achieve the above object, when a transfer transaction is attempted using a transaction medium, the present invention checks whether it is valid or invalid based on the validity information recorded in the transaction medium, and confirms whether the transfer transaction is invalid or not. In this case, after the transfer transaction is executed, a new transaction medium that records information regarding the new validity is automatically issued.

[Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention.

That is, a customer service operation section 2 is formed on the front surface of the housing 1. The vertical surface 3 of the customer service operation unit 2 has a passbook/card insertion slot 4 into which a magnetic card, passbook, or transfer card as a transaction medium in which a PIN number and account information are stored is inserted.
, an in-service indicator 5 for displaying to the user that the transaction is in progress, an item indicator 6 for displaying and guiding various types of deposits, payments, transfers, etc. that can be handled, and a user who is unsure of how to operate the transaction. An attendant call button 7 for calling an attendant in case of emergency, etc.
A coin input slot 8 for a user to deposit coins and a change discharge slot 9 for discharging change coins to the user are provided. Further, the horizontal surface 10 of the customer service operation unit 2 is provided with a bill insertion slot 11 in which a large number of bills to be deposited, transferred, or transferred can be inserted at once, and change can be received. 11 is provided with r#12 that can be opened and closed. Further, an oblique operation surface 13 is formed between the vertical surface 3 and the horizontal surface 10 of the customer service operation section 2.

This oblique operation surface 13 is provided with a display section in which a transparent touch panel (touch sensor) 15 is formed over the top surface of a liquid crystal display section 14 . This liquid crystal display unit 14 displays operating procedures and other information on the screen in the form of illustrations, characters, or words to guide the user, and also displays information such as passwords, amounts, account numbers, approval, confirmation, or cancellation of transactions, etc. By pressing a corresponding display part, the touch panel 15 detects it, and a so-called key operation is performed in which a corresponding signal is output to the main control unit 200, which will be described later. That is, as shown in FIG. 2, for example, the message ``Please specify transaction'' is displayed, as well as keys for instructing deposit, payment, inquiry, and transfer. The contents and display change each time the machine operation or step status changes.

FIG. 3 shows a so-called transfer card T as a transaction medium according to the present invention. This transfer card T is issued by the automatic transaction device and inserted by the user as necessary. A transfer destination printing area 121 and an expiration date printing area 122 are provided on the front surface of the transfer card T. In the transfer destination printing area 121, transfer information such as the bank name, branch name, account number, and transfer destination name entered manually by the user is printed in Chinese characters. The expiration date printing area 122 also contains information regarding the validity of the transfer card T, for example, the expiration date calculated from the date of issue of the transfer card T, for example, the date of the expiration date calculated from the date of issue of the transfer card T, for example, the date of issue of April 24, 1985, and the validity of the transfer card T. If the period is one year, r86-4-23J is printed. A magnetic stripe 123 is affixed to the back of the transfer card T, and the magnetic stripe 123 includes the bank name, branch name, account number, and transfer destination name entered by the user. Transfer information such as the payer's name and telephone number and the expiration date information are encoded and recorded.

Furthermore, a hole 124 is provided at the end of the transfer card T to prevent incorrect insertion. This hole 12 to prevent incorrect insertion
4, if you mistakenly place the transfer card T in the same direction as the magnetic card, that is, with the back side up and the back end of the transfer card T at the top,
In other words, if the magnetic stripe 123 is inserted in the same position as the magnetic card, the hole 12 to prevent incorrect insertion
4 is set at a position corresponding to a card insertion detector (not shown). This can prevent the transfer card C from being erroneously inserted and accepted in the same direction as the magnetic card. That is, if the transfer card T is mistakenly inserted in the same direction as the magnetic card, the card insertion detector cannot detect that the card has been inserted due to the hole 124 for preventing incorrect insertion, and will not accept the card. There isn't.

4 and 5 show a passbook/card processing device 20, which accepts the passbook, magnetic card, and the bottom of the transfer card inserted into the passbook/card insertion slot 4 in FIG. It also prints a series of transaction records and embossed magnetic cards on a slip (receipt) R for printing and issuing transaction records for users who do not bring their passbooks. Built-in journal paper J for copying. This passbook/card processing device 20 is provided in the housing 1 at a location corresponding to the passbook/card insertion slot 4. That is, a bankbook/card insertion slot 4 is communicated with the front side of the main body 80, and a selection shutter 21 is provided in the bankbook/card insertion slot 4. This selection shutter 21 is installed at a position where the user can visually see its open/closed state, and when inserting a bankbook, it is in the open state to widen the opening of the bankbook/card insertion slot 4, allowing magnetic cards, transfers, etc. When inserting the card T, it is in a closed state and the opening of the passbook/card insertion slot 4 is narrowed.

As a result, the user can clearly know the insertion position of a narrow magnetic card or transfer card T compared to the insertion slot of a wide passbook.
It becomes possible to insert it in accordance with the internal conveyance path of 0.

Note that the selection shutter 21 is opened and closed by excitation of a plunger solenoid 30.

Near the passbook/card insertion slot 4, that is, inside the selection shutter 21, there is a detection W27a that optically detects insertion or removal of a passbook, magnetic card, or transfer card T.
27b is provided, and detectors 27C127d for magnetically detecting the presence or absence of a magnetic stripe on a magnetic card or transfer card T are provided above and below the bankbook/card insertion slot 4, facing each other. The detectors 27a and 27b are optical ones consisting of a light emitting element and a light receiving element, and the detectors 27c and 27d are constituted by a magnetic head or the like. A transport path 81 is provided in a substantially horizontal state from the detectors 27a, . . . toward the rear of the main body 80. This conveyance path 81 includes a drive roller 82
．． ..., these drive rollers 82. . . . pinch rollers 83. ... and a guide bottom plate 26, etc., and is driven by a pulse motor via a belt (not shown). Further, the conveyance path 81 has a side plate 22a at a position corresponding to the width of the passbook.

22b, and a movable side plate 23 is provided at a position from the side plate 22a that corresponds to the magnetic card and the transfer card T. Thereby, the side plate 22a.

22b regulates the transport position of the passbook, and the card transport path formed by the copper plate 22a and the movable side plate 23 regulates the transport position of the magnetic card and transfer card T.

The movable side plate 23 is arranged as shown in FIG.
-Y cross section), drive mechanism 8 provided at the bottom of the bottom plate 26
4 so that it protrudes and sinks through the gap in the bottom plate 26. The drive mechanism 84 includes an arm 85 to which the movable side plate 23 is fixed, a support arm 86, 87, a spring 88, and a plunger solenoid 25.

In the above installation, one end of the arm 85 is rotatably attached to the solenoid 2.
The arm 85 is connected to the plunger 5, and the movable side plate 23 is moved downward by the excitation of the solenoid 25.

In the above-mentioned attachment, one end of the support arm 86, 87 is rotatably connected to one end of the arm 85 and a midway portion thereof. The support arms 86 and 87 are provided so that they are maintained parallel to each other using support shafts 86a and 87a as fulcrums. The fulcrum and the attachment point form a parallelogram at four points including the connection point with the arm 85. A spring 88 is connected to the other end of the support arm 87. As a result, when the solenoid 25 is energized, the mounting is performed on the arm 85.
moves downward, and the movable side plate 23 is in a retracted state below the bottom plate 26 (during transport of the passbook). Also, solenoid 25
is not excited, the arm 85 moves upward due to the elastic force of the spring 88, and the movable side plate 23 protrudes above the bottom plate 26 (when transporting a 11 card or a transfer card T). Therefore, when transporting the passbook, the transport path 81 has the same width L2 as the width of the passbook P, and the passbook P can be transported, and when transporting the magnetic card and transfer card T,
The transport path 81 has a width L1 that is the same as the width of the card, and can transport cards. Since the movable side plate 23 is supported by the support arms 86 and 87 parallel to each other and moves, it always remains perpendicular to the cards, that is, perpendicular to the bottom plate 26. It is supposed to move. Furthermore, the movable side plate 23 always holds cards on the copper plate 2 due to the elastic force of the spring 88.
2a, and the side plate 22a is used as a transportation reference.

Further, at the starting end of the conveyance path 81, the detector 27a,
A main shutter 28 is provided that opens and closes depending on the detection results of... This main shutter 28 is driven to open and close by excitation of a plunger solenoid 29. That is, when the insertion of a bankbook, magnetic card, or transfer card T is detected, the solenoid 29 is energized and the main shutter 28 is opened. Behind the main shutter 28, a magnetic head 6o for a transfer card T, a magnetic head 31 for a passbook, and a magnetic head 50 for a magnetic card are sequentially provided. The magnetic head 60 is adapted to read or record information on the magnetic stripe 123 of the accepted transfer card T. Further, the magnetic head 31 is configured to read or record information on the magnetic stripe of an accepted bankbook. Furthermore, the magnetic head 50 is configured to read or record information on the magnetic stripe of an accepted magnetic card. Each of the above magnetic heads 31.50
, 60 are provided with pressing rollers 32, 32 for bringing the corresponding magnetic stripes into contact with a predetermined pressure.
．． 32 are provided.

Further, an optical reader 89 is provided in the middle of the conveyance path 81 to read the date field on the bankbook to detect the presence or absence of printing and to detect the presence or absence of page marks. This optical reading device 89 includes a COD image sensor 34 and a lens 33 that reduces the printed information on the passbook and forms an image on the COD image sensor 34 .

Further, a turnpage mechanism 90 is provided in front of the optical reading device 89 on the conveyance path 81 . The turnpage mechanism 90 automatically turns the pages of the passbook, and for example, when the passbook is turned over, the passbook back-up plate 37, which pushes up the passbook by being lifted upward by a solenoid (not shown), rotates in the direction of arrow a in FIG. The turning roller 36 is configured by a turning roller 36 that performs auto-turning by rotating the roller in the direction of the arrow, and performs auto-turning in the opposite direction by rotating in the direction of the arrow. A receipt issuing mechanism 91 for issuing a receipt R is provided below the turn page mechanism 90. For example, a certain pressure is applied to the receipt R by a pressing mechanism 92, and
The sheets are taken out one by one at 92 and guided to the conveyance path 81.

Furthermore, a printing mechanism 93 is provided in front of the turnpage mechanism 90 on the conveyance path 81 . This printing mechanism 93 prints predetermined information on the bankbook, transfer card T, journal paper J, and receipt R, and is composed of a wire dot type print head and prints alphanumeric characters, katakana, kanji, etc. Print head 35, this print head 35
It is composed of a carriage 94 that moves in a direction perpendicular to the conveying direction of the conveying path 81, a moving mechanism consisting of a slide rod 95, and a table 96 as a platen.

Furthermore, an embossing stand 51 is provided in front of the printing mechanism 93 on the conveyance path 81 . When a magnetic card is placed on the embossing table 51, the embossing table 51 rotates 901 times around the rotating shaft 53 as a fulcrum, and enters the lower side of the journal paper J (embossed part 99). The embossing roller 54 that is
5, the emboss of the magnetic card is transferred onto the journal paper J.

As shown in FIGS. 7(a), 7(b), and 7(c), the embossing table 51 has convex portions 56a, 56b, 56c at its ends for holding the magnetic card C, and a magnetic card C detecting portion. A notch 56d is provided. The above embossing stand 51
When the cart is in a standby state, a card position detector 52 is provided opposite to the notch 56d. This card position detector 52 includes a light emitting element 52a and a light receiver 52b.
It is an optical thing consisting of. Note that a journal paper J corresponds above the table 96 and the embossing section 99 (the embossing table 51 at the time of embossing). This journal paper J is held on a delivery shaft 97 and wound onto a writing shaft 98 via a stand 96 and an embossing portion 99.

Furthermore, a collection warehouse 40 is provided near the end of the conveyance path 81 to collect the conveyed passbook, magnetic card, and transfer card T through a gate 42. Roughly speaking, a transfer card storage 41 is provided above the collection storage 40, which has a claw 58 for taking out and stores the bottom of a new transfer card. Further, above the transfer card storage 41, there is a retrieval claw 45 and a motor 44 that drives the claw 45.
A passbook storage 39 is provided in which a plurality of new passbooks P are stored in a closed state with the cover facing up. For example, when the issuance of a transfer card T is instructed, the transfer card storage 4
The transfer cards T stored in the transfer card 1 are taken out one by one by a claw 58 driven by a motor (not shown).
It is designed to be fed into the conveyance path 81 via the levers of the gates 42 and 46. Further, when the issuance of a new passbook P is instructed, the new passbooks P stored in the passbook storage 39 are taken out one by one by a claw 45 driven by a motor 44, and passed through a gate 46 to a conveyance path 81. It is designed to be sent to The gate 42 is rotated by the excitation of a rotary solenoid 43, and when collecting bankbooks etc., the gate 42 is positioned upward (indicated by the solid line in Figure 15) by the excitation of the solenoid 43, and is used to issue transfer cards and bankbooks P. Inside the housing 1, as shown in FIG. 8, there is a microcomputer, a program memory, and a computer for processing various data. Is there data memory, etc.?
Whole not IIJIgwoji 6 main i! 11101ffi20
0, the bankbook/card processing device 20, the banknote insertion slot 1
A banknote dispensing unit 202 receives banknotes inserted into the coin slot 8 and dispenses a specified amount of banknotes into the banknote insertion slot 11; A coin deposit/withdrawal unit 2o dispenses the change to the change outlet 9.
1. The customer service operation section 2, the clerk operation section 204 for the staff, information on financial institutions that can transfer funds required for transfer transactions, that is, bank names, branch names, and their code numbers are recorded, for example, on a floppy disk. A bank branch name file 207 consisting of devices, etc., a transmission 611111 section 206 that controls data transmission between the main control section 200 and a host computer (center) not shown, and cumulative information for each type regarding all transactions. A cumulative memory 208 is provided for storing the . In addition, the main control section 2
00 is connected to an externally provided remote monitor unit 205 for staff.

Next, the processing operation of the transfer card T will be explained with reference to FIGS. 4 and 5. The transfer cards T are stored in a transfer card storage 41, and are taken out one by one as necessary, the necessary printing is performed on the transfer destination printing area 121 and the expiration date printing area 122, and the magnetic stripe 1
23 with magnetic information recorded on it. On the other hand, when the user makes a transfer transaction to the transfer destination recorded on the re-a transfer card T, the user specifies the transfer destination by inserting the issued transfer card T into the bankbook/card insertion slot 4. It looks like this.

First, the issuance of the transfer card T will be explained.

In this case, the newly issued unused transfer cards T are stacked and stored in the transfer card storage 41 with the transfer destination printing area 121 and the expiration date printing area 122 facing upward. That is, when the main control unit 200 issues the transfer card ■,
The pawl 58 is moved by rotating a motor (not shown). As the claw 58 moves, the ends of the transfer cards T are pushed, and the transfer cards T are taken out one by one by the movable roller 38 and fed into the conveyance path 81 through the gates 42 and 46. At this time, for example, if the user uses a magnetic card and is conducting a transfer transaction from the magnetic card account, the magnetic card is read in before the transfer card T is issued, and the magnetic card is transferred as described above. Move it to the bottom of journal paper J (.

The bottom of the transfer card taken out as described above is conveyed as is in the direction of the passbook/card insertion slot 4. Then, the transfer card T is transported to the position of the print head 35 based on the position detected by the card position detector 52 at the rear end of the transfer card T.

At this time, since the main control unit 200 is not energizing the solenoid 25, the elastic force of the spring 88 causes the movable side plate to
3 protrudes from the bottom plate 26. As a result, the transport path 81 forms a card transport path having a width L1 defined by the movable side plate 23 and the steel plate 22a. and,
When the transfer card T is conveyed to the printing position, the transfer information and expiration date information are printed on the transfer destination printing area 121 and the expiration date printing area 122 by the print head 35. When this printing is completed, the transfer card T is further conveyed in the direction of the passbook/card insertion slot 4. Then, the transfer information and expiration date information are coded and recorded on the magnetic stripe 123 by the magnetic head 60 while the transfer card T is being conveyed. When the printing and magnetic recording on the transfer card T are completed in this way, the transfer card T is ejected from the passbook/card insertion slot 4 and issued to the user.

Next, a case will be described in which a transfer transaction is performed using the transfer card T issued as described above. For example, when accepting a transfer card T, the selection shutter 21 is in a closed state. At this time, Lord T! 1JI11 section 200 does not energize the solenoid 25, so the spring 88
The movable side plate 23 is in a state of protruding from the bottom plate 26 due to the elastic force.

As a result, the transport path 81 forms a card transport path having a width L1 defined by the movable side plate 23 and the side plate 22a.

When the user inserts the transfer card T into the passbook/card insertion slot 4, the insertion darkens only the detector 27b, and detects the magnetic stripe 123 at the detection a27d.
The main control unit 200 excites the solenoid 29 and opens the main shutter 21. Then,
Transfer card T is driven by drive roller 82. ...and pinch roller 83. . . , and taken into the passbook/card processing device 220. As a result, the transfer information and expiration date information recorded on the magnetic stripe 123 are read by the magnetic head 60 while the transferred transfer card T is being conveyed.

Thereafter, the transfer card T is conveyed in the direction of the passbook/card insertion slot 4 and returned, or conversely, conveyed in the receiving direction and collected in the collection warehouse 40.

When the transfer card T is accepted, the main control unit 2
00 starts the transfer transaction operation according to the transfer information read from the magnetic stripe 123, and also determines whether the transfer card T is valid or invalid according to the expiration date information read from the magnetic stripe 123, that is, the expiration date of the transfer card T is the expiration date. Determine whether it is within the range. The above-mentioned transfer transaction operation is similar to that described in, for example, Japanese Patent Application No. 58-216714 or Japanese Patent Application No. 59-204476, and will not be described here. Then, at the final stage of the transfer transaction operation, the following processing is performed based on the above determination result. That is, when the above judgment result is within the validity period (valid), the accepted transfer card T is returned to the passbook/card insertion slot 4, and when the above judgment result is outside the validity period (invalid), the transfer card T is returned. is conveyed to the print head 35 and information indicating expiration is printed thereon. When the printing of the expiration date is completed, the transfer card T is further conveyed in the receiving direction and is collected into the collection warehouse 4o via the gate 42. When the transfer card T is collected in this way, the master
The m section 200 displays on the liquid crystal display section 14 the message "Since the expiration date has expired, a new transfer card will be issued" and also issues a new transfer card to the user by performing the above-described operation of issuing the transfer card T. Card T is issued.

In this way, when a transfer transaction is attempted using a transfer card, it is determined whether the expiration date has expired based on the expiration date information recorded on the transfer card, and if the expiration date has expired, After executing the transfer transaction, a new transfer card with new expiration date information is automatically issued, which eliminates the need to manually enter the transfer information from the beginning when the expiration date expires. There is no
This simplifies the user's operations.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide a transfer transaction method that can simplify a user's operation in a transfer transaction.

[Brief explanation of the drawing]

The drawings are for explaining one embodiment of the present invention. Fig. 1 is an external perspective view of an automated teller machine, Fig. 2 is a diagram showing an example of display on a liquid crystal display section, and Fig. 3 is a configuration of a transfer card. A diagram showing an example,
4 and 5 are a plan view and a side view showing a configuration example of a passbook/card processing device, and FIG. 6 is a cross section taken along the Y-Y arrow in FIG. 4 to explain the relationship between the movable side plate and the side plate. Figure 7 is a diagram for explaining the moving state of the embossing table,
FIG. 8 is a block diagram for explaining an example of the overall configuration. 2...Customer service operation section, 4...Passbook/card insertion slot, 11...Banknote insertion slot, 14...
...Liquid crystal display section, 15...Touch panel, 2o
・・・・・・Passbook/card processing device, 40・・・・・・
Collection storage, 41... Transfer card storage, 60...
... Magnetic head, ■ ... Transfer card (transaction medium), 121 ... Transfer destination printing area, 122
...Expiry date printing area, 123...
Magnetic stripe, 200...Main 111Ji11
Department, 201...Coin deposit/withdrawal department, 202...
...Banknote withdrawal department. Applicant's representative Patent attorney Takehiko Suzue Figure 1 Figure 2 Figure 3 Figure 7 (a) (b) (C)

Claims (6)

[Claims] (1) An acceptance means for accepting a transaction medium on which transfer information and information regarding validity are recorded, a reading means for reading the information recorded on the transaction medium accepted by the acceptance means, and a reading means for reading the information recorded on the transfer information by the reading means. means for conducting a transfer transaction accordingly and determining whether the transaction medium is valid or invalid based on the validity information read by the reading means;
The present invention is characterized by comprising means for returning the accepted transaction medium when the determination result by this means is valid, and issuing a new transaction medium recording transfer information and information regarding new validity when it is invalid. Transfer transaction method. (2) The transfer transaction method according to claim 1, wherein the information regarding validity is the expiration date of the transaction medium. (3) The transfer transaction method according to claim 1, wherein the new transaction medium is issued at the final stage of the transfer transaction. (4) The transfer transaction method according to claim 1, wherein the transaction medium is formed in the shape of a card. (5) The transfer transaction method according to claim 1, wherein the transaction medium is a transfer card having a magnetic stripe as an information recording section. (6) The transfer transaction method according to claim 1, wherein the accepted transaction medium is collected when a new transaction medium is issued.