JPS63123162A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To recognize the contents of transactions by reading old transaction data out of an electronic bankbook at a customer's request and displaying it in a paper bankbook format. CONSTITUTION:With the agreement of personal identification numbers found, information about an account number is read out of an item information area by a specified item, edited in a specific display format and displayed on a display 5. Consecutively transaction data bout sums, etc., is inputted to complete inputting, then online processing is made. A picture is displayed to prompt a customer to select outputting the old transaction data (unstated data, for instance). Where the customer does not want to output the old transaction data and he has a laser card, data in a data accumulation memory is written in the transaction data area of the card. As for an IC card, the data is written in a transaction data area. If writing is infeasible, all the data in the transaction data area is read out. The read-out data is stored in the data accumulation memory 7, edited together with unstated data in the specific format, and printed and outputted.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automatic transaction device using an electronic passbook using an IC card or a laser card.

[Conventional technology]

2. Description of the Related Art Various types of automatic transaction devices, such as payment-only machines and multi-function machines, have been developed and are widely used in financial institutions.

As financial institutions streamline their operations and save labor, the transition to paper-based journals is a major issue, and the transition to electronic journals,
Voucher systems, etc. are steadily being implemented.

On the other hand, due to the structure of automatic transaction devices and teller devices, the mechanism for handling physical items such as bankbooks and cash is large-scale, and the devices are complex and expensive.

Although passbooks are expensive media, costing several hundred yen each, the amount of data they contain is small, and as a countermeasure, financial institutions are increasing the number of staff, but the printing mechanism limits the results, making it ineffective.

However, one transaction is printed out on one line of the passbook, and one page is 24.
Paper passbooks can store hundreds of transaction results in one passbook, and they have the advantage of being able to easily check transaction details visually, so they can be used to reduce household finances. It is required to convert to an electronic passbook while ensuring the same. If passbook electronicization is realized, it will not only make the device smaller and cheaper, but also greatly contribute to reducing running costs by eliminating the need for base A's.

[Problem that the invention seeks to solve]

Possible electronic passbooks include IC cards and laser cards, but when an IC card is used as an electronic passbook, the following problems arise.

First, the memory capacity of an IC card is 16 to 64 bytes, which is only several times the data amount of a paper passbook, which is 5 to 20 bytes. Considering that the cost of an IC card is several thousand yen, some means of reusing the memory is required.

Second, since paper passbooks are printed on paper, including unrecorded data, transaction results, including past transactions, can be visually confirmed, but IC cards do not have a display, so measures need to be taken to improve convenience. There is.

Means for Solving Problem C] The present invention provides an electronic passbook such as an IC card or a laser card that includes a customer specific information area consisting of name, PIN code, address, telephone number, etc., and account numbers for each account. A means for formatting and reading/writing the information and transaction data information area and remittance information area, and a means for additionally recording unrecorded file data and current transaction data of the center in the transaction data information area of the electronic passbook each time a transaction is made. , when a customer wishes to inquire about past transaction data during a transaction, the transaction data after the relevant date is read out from the electronic passbook (by inputting the date) and displayed in a paper passbook format, and the customer can print it out. If you wish to do so, there is a means to print out the display contents on a single sheet of paper/roll paper by performing a specific operation, and if the electronic passbook is an IC card, it is possible to read and print all transaction data when the transaction data area reaches the near end. The IC card is characterized by comprising means for outputting the data to empty the transaction data area of the IC card so that it can be used continuously.

[For production]

According to the above configuration, transaction data is written to the electronic passbook, and past transaction data is read from the electronic passbook and displayed on the display in paper passbook format according to the customer's needs.
In addition to making it possible to confirm transaction details, if a printout is required, the content displayed on the display can be printed out on a single sheet of paper or roll paper according to the customer's specifications.Furthermore, if the electronic passbook is an IC card, the transaction details can be printed out. When the data area reaches the near end, all the transaction data is read and printed out, the transaction data area of the IC card is emptied, and by repeatedly using it, it can be used semi-permanently.

〔Example〕

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram of the automatic transaction device, and FIG. 2 is an external perspective view. In the figure, 1 is a processing device, 2 is a communication mechanism,
3 is a cash deposit/withdrawal mechanism, 4 is an IC card or laser card electronic passbook read/write mechanism, 5 is a display with a touch panel for customer input, 6 is a single paper/roll paper printer mechanism, and 7 is a primary transaction data This is a data storage memory for storing data.

8 is an input/output port for an electronic passbook, 9 is an output port for printer output media such as single paper/roll paper, and 10 is a cash input/output port.

The operation of the above device will be explained below using the flowchart shown in FIG.

First, when a customer requests a financial institution to issue an electronic passbook,
The customer information file (CIF) at the center is used to edit customer information such as name, address, telephone number, and opened account information, as well as the pin code applied for by the customer and written into an electronic passbook, which is then given to the customer.

As shown in Figure 4, the electronic passbook records the customer specific information area that records the card's valid/invalid code, name, PIN code, address, telephone number, etc., and the account code and account number for each transaction item. Account information area (additional records are recorded in this area each time a new account is opened, and cancellation data is recorded in the account information each time the account is canceled), a transaction data area that is formatted and recorded in transaction units,
It consists of a remittance information area for recording remittance information, and a multi-purpose information area that can be used as a prepaid card. In particular, the transaction data area occupies most of the total memory capacity and has a data capacity equivalent to several paper passbooks.

The operation of a customer using an automatic transaction device using such an electronic passbook will be described below.

SL: Select the transaction item on the display with touch Zener.

S2: Insert electronic passbook.

S3: The processing device 1 determines the transaction item, and if identification is required, the electronic bankbook read/write mechanism 4 reads the customer identification information area data of the electronic bankbook and extracts the PIN code from it.

SII: Customer password input is performed from the touch panel.

S5: It is confirmed whether the password in S5 and the input customer password match, and if they match, an error process is performed.

S6: If they match, information such as the account number is read from the subject information area according to the specified subject, edited into a specific display format, and displayed on the display 5. If there are multiple accounts at this time, all are displayed on the display and the customer is asked to select one account.

S7: Continue to input transaction data such as amount.

S8: In the case of cash deposit, cash processing is performed.

S9: When the two-man operation is completed, online processing is performed.

SIO: If there is actual transaction data and data in the unrecorded file after online processing, the unrecorded data is received from the center and stored in the single transaction data storage memory r. This transaction data consists of item code, transaction date, payment amount, deposit amount, balance, application, etc., and is formatted for each transaction unit.

S11: Perform cash processing such as storing in the case of cash deposit and discharging cash in the case of cash payment.

S12: Next, the single paper/roll paper printer 6 discharges a paper cut into a receipt shape on which details of the current transaction are printed.

S13: A screen is displayed on the display 5 for the customer to select whether or not he or she wishes to output past transaction data (for example, unrecorded data).

5lII=If you do not wish to output past transaction data, determine whether the electronic passbook is an IC card or a laser card.

S15: In the case of a laser card, the data in the data storage memory is written into the transaction data area of the card, and the card is ejected as described later to complete the transaction.

816: In the case of an IC card, it is determined whether or not it is possible to write in the transaction data area, and if it is possible, perform 815.

S17: If writing is not possible, read all data in the transaction data area.

SL+! : Store the read data in the data storage memory 7.

819: Edit into a specific format along with unrecorded data for each account.

S20: Print out the edited results on a single sheet of paper or roll paper.

S21: After that, clear the transaction data area of the IC card and write only the current transaction.

S22 Eject the second card to complete the transaction.

On the other hand, if the user wishes to output past transaction data, it is first determined whether the electronic passbook is an IC card or a laser card.

5211: In the case of a laser card, a guidance screen for inputting the inquiry start date is displayed and the customer is prompted to input the date. For example, if a transaction was made on October 1, 1986, and the details of the transaction from one month before are to be inquired, September 1, 1986 is entered into the touch screen 5.

S25: Read transaction data after the transaction date corresponding to the account inquiry date input by the customer.

826: Store in data storage memory.

S27: In the data storage memory, the data is edited into the paper bankbook format shown in FIG.

S28: The edit is displayed on the display.

829: After this, the customer determines whether or not a printout is necessary as a copy of the displayed content.

S50 Print output Performs print output when necessary.

551=If printout is performed or if printout is not required, unrecorded data and current transaction data are written in the transaction data area, and the process then goes to S22.

S52: In the case of an IC card, determine the remaining memory capacity of the transaction data area, and if it is not near end, 5211
becomes.

Ss5: = In the case of end, all the transaction data area is in the data storage memory, so data from the date input by the customer is read from the transaction data of the corresponding account and displayed in the paper passbook format shown in Figure 3. do.

551J: Store in data storage memory at the same time.

S35: Edit the paper passbook format shown in FIG. 3 together with unrecorded data for each account.

S56: A guidance screen for inputting the inquiry start date is displayed and the customer is prompted to input the date.

S57: Data after the corresponding inquiry start date is retrieved from the data storage memory and displayed on the display, and the process then goes to S20.

Note that the flowchart of the above embodiment is applicable to I as an electronic passbook.
Although the explanation has been made using a C card and a laser card in combination, if the use is limited to only one of them, the above flowchart becomes a flowchart for only one of the cards, for example, 5IIl.

Steps such as 825 are no longer necessary.

〔Effect of the invention〕

According to the present invention described in detail above, in an automatic transaction device using an electronic passbook such as an IC card or a laser card, transaction data is written in the electronic passbook, and past transactions can be retrieved from the electronic passbook according to the customer's needs. It is possible to go paperless by being able to read data and display it on a display in paper passbook format to confirm transaction details.

In addition, only when printout is required, the contents of the display can be printed onto a single sheet of paper or roll paper according to the customer's specifications.
In addition to being able to output an image, it also has low recording properties.

Furthermore, since multiple subjects and accounts can be stored in one electronic passbook, convenience is greatly improved.

Furthermore, if the electronic passbook is an IC card, when the memory capacity is full, the contents of the memory can be printed out and emptied to be used again, making it possible to use the card semi-permanently.

[Brief explanation of the drawing]

Fig. 1 is a clock diagram showing an embodiment of the present invention, Fig. 2 is a perspective view of the device, Fig. 3 is a plan view showing an example of the output of the printer display, and Fig. 4 is an example of the memory layout of an electronic passbook. FIG. 5 is a flowchart of the operation.

Claims (1)

[Scope of Claims] 1. A card-shaped electronic passbook includes a customer specific information area consisting of name, PIN code, address, telephone number, etc., subject information such as account number for each subject handled, transaction data information area, and transfer information. A means for formatting and reading/writing the area, a means for additionally recording unrecorded file data at the center and current transaction data in the transaction data information area of the electronic passbook each time a transaction is made, and a means for allowing the customer to record past transaction data at the time of transaction. If a customer wishes to make an inquiry, the transaction data from the corresponding date is read out from the electronic passbook by a date input operation, and is displayed in a paper passbook format.If the customer wishes to print out the data, the displayed content can be printed out on a single sheet of paper by a specific operation. / An automatic transaction device characterized by comprising means for printing out on roll paper. 2. An automatic transaction device according to claim 1, characterized in that the electronic bankbook is an IC card. 3. An automatic transaction device according to claim 1, characterized in that the electronic passbook is a laser card. 4. Format and read/write the customer specific information area consisting of name, pin code, address, telephone number, etc., subject information such as account number for each account, transaction data information area, and remittance information area on the IC card. A means for additionally recording unrecorded file data at the center and current transaction data in the transaction data information area of the IC card each time a transaction is made, and a date input when a customer wishes to inquire about past transaction data at the time of a transaction. A means to read transaction data from the relevant date onward from the IC card through an operation, display it in a paper passbook format, and a means to print out the display contents on a single piece of paper/roll paper by a specific operation if the customer wishes to print it out. When the transaction data area of the IC card reaches the near end, read all the transaction data, print it out, and print it out.
An automatic transaction device comprising means for emptying a transaction data area of a C card so that it can be used continuously.