JPH02136965A - Automatic transaction system and transaction card used for transaction system - Google Patents

Abstract

PURPOSE:To shorten the time required for transaction and to increase the amount of transactions by omitting the key input operations for the amount of each transaction in such a case the drawing transaction of the same transaction amount are repeated. CONSTITUTION:In the case the identification data 18 of 'fixed' is stored in a magnetic recording part 11 of a transaction card 10, the amount data 19 is read out and the amount shown by the data 19 is displayed at the display part of a device and the transaction recorded at the part 11 is carried out by an amount fixing transaction function after the displayed amount is confirmed by a customer. Therefore the customer is not required to input the transaction amount via the key operations as long as the transaction amount is not changed in the case the card 10 is put into the device according to an arrow 11a. As a result, the time required for transactions is shortened and the amount of transactions can be increased.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to an automatic transaction system used for transactions such as payments and transfers in financial institutions such as banks, and a transaction card used in the system. It is something.

[Prior Art] The automatic transaction system is a system in which an automatic transaction device, which is a terminal device, is installed at an automatic transaction corner in a financial institution such as a bank, and the customer himself/herself operates the device to perform certain transactions. It was designed to be able to be carried out. Typically, the automatic transaction device has a key processing system that creates certain transaction information by operating input keys, and a transaction card that is inserted into a predetermined position in the device and is recorded in the magnetic recording section of the transaction card. The transaction card is equipped with a card processing system that reads out the information contained in the transaction card and creates certain transaction information, and the customer's own input operations can be simplified by using the transaction card.

The automatic transaction devices include specialized machines such as automatic teller machines exclusively for "cash withdrawals" and automatic transfer machines exclusively for "transfers," as well as automatic transaction machines for "cash withdrawals,""transfers,""deposits-1,etc."
Automated teller machines (ATMs) that handle multiple transactions have been developed.

Conventional automatic transaction systems have been systematized on the premise that the customer sets the amount of money (transaction amount) for each transaction by operating a key.

Next, a conventional automatic transaction system will be explained below, taking as an example the case of "withdrawing cash" as a transaction.

In this case, the automated teller machine includes an automated teller machine, an automated teller machine, and the like. The transaction card also has one striped magnetic recording section (magnetic stripe) along the direction of insertion into the automatic transaction device, and this recording section contains data indicating that it is a transaction card, Transaction information includes pin numbers, bank numbers, store numbers, account numbers, etc.

The automatic transaction device into which the transaction card is inserted reads information such as the PIN number, bank number, store number, account number, etc. from the card, and on the other hand, inputs the PIN number from the key input section of the payment machine, and the read PIN number If they match, the customer inputs the transaction amount by key, and the bank number, store number, account number, and transaction amount are transmitted to the host computer via the communication line. When an acknowledge signal is received from the host computer, the banknote counter pays out currency equivalent to the transaction amount after the transaction card is returned.

[Problems to be Solved by the Invention] In the conventional automatic trading system as explained above, for example, when a customer withdraws a certain amount every payday or every weekend, the customer withdraws the same amount each time with a key. There are inconveniences such as having to input transaction amounts, increasing transaction time due to key input operations for transaction amounts, restricting transaction volume per unit time, and increasing the burden on customers.
This was considered an issue that should be resolved in the future.

This invention was made in view of the above-mentioned circumstances. For example, when transactions such as withdrawals with the same transaction amount are repeatedly performed, the inconvenience of having to key-in the transaction amount for each transaction is avoided. Therefore, it is possible to prevent an increase in transaction time due to key input operations for transaction amount, thereby aiming to improve transaction volume by shortening transaction time, and to reduce the burden on customers by simplifying operations. The object of the present invention is to provide an automatic transaction system that can perform the following operations, and a transaction card suitable for use in the system.

[Means for solving the problem 1 In the present invention, claim 1. The automatic transaction system described in 2007 is an automatic transaction device installed in an automatic transaction corner Kasa in a financial institution, a key processing system that creates certain transaction information by input key operation, and a transaction card placed in a predetermined position in the device. The card processing system is equipped with a card processing system that reads the information recorded in the magnetic recording section of the transaction card and creates certain transaction information when the customer inserts the transaction card. This automatic transaction system creates transaction information and executes the transaction, and is an improvement of the automatic transaction device and transaction card.

Specifically, in the transaction card, the magnetic recording section includes identification data for distinguishing whether the transaction amount is "fixed" or "specified", and if this identification data is "1 fixed", It was decided to record the amount data indicating the amount.

Further, the card processing system of the automatic transaction device has a fixed amount transaction function and a specified amount transaction function.

Here, the fixed amount transaction function means that when there is identification data of 1 fixed - 1 in the magnetic recording section of the transaction card, the amount recorded as the amount data is subsequently read out and the amount is read out. This is a function that allows transactions to occur after customer confirmation.

In addition, the amount specified transaction function means that when the magnetic recording section has identification data of ``1 designation'', the customer is prompted to input the transaction amount using the key input, and the customer confirms the amount specified by the key input. This is a function to trade after the transaction has passed.

On the other hand, in the present invention, claim 2. The transaction card described in 1 is provided with striped magnetic recording portions in which the identification data, amount data, etc. are written at several locations 1a on the card. The position of each magnetic recording section on the card is alternatively set to match the reading position in the automatic transaction device by changing the insertion direction of the card.

[Operation 1] In the automatic transaction system according to claim 1, identification data for distinguishing whether the transaction amount is fixed or specified, and amount data indicating the amount when the transaction amount is fixed, are written on the transaction card. On the other hand, the automatic transaction device that reads transaction information from the transaction card is equipped with a fixed amount transaction function that reads identification data indicating that the transaction amount is fixed, and then reads the amount data and makes the transaction. There is.

Therefore, when the transaction amount is fixed, the customer does not need to input the transaction amount by key operation, and the transaction time is shortened accordingly, making it possible to improve the transaction amount.

In addition, since the customer's own key operations are reduced, the burden on the customer is also reduced.

Furthermore, in the transaction card according to claim 2, it is possible to record different types of transactions in each of the magnetic recording parts of the ansuke, and in that case, it is possible to change the direction of insertion into the automatic transaction device. can be used alternatively for trading in stages.

Therefore, from the financial institution's perspective, it is possible to reduce the number of transaction cards issued, saving resources and expenses, and from the customer's perspective, it is possible to reduce the number of transaction cards held. As a result, it is possible to obtain the excellent effect of a shade that can reduce the labor required for management.

[Example] Hereinafter, an example of the present invention will be described based on FIGS. 1 to 3.

FIG. 1 is a plan view showing an embodiment of a transaction card according to the present invention, FIG. 2 is a flowchart showing the operation of an embodiment of an automatic transaction device in automatic transaction/status according to the present invention, and FIG. 1 is a schematic configuration diagram of an embodiment of an automatic transaction/system according to the invention.

As shown in FIG. 3, the automated transaction system according to this embodiment includes an automated transaction device 1, a host computer 2 to which the device 1 is connected, and a transaction card (transaction card) used for inputting information to the device 1. 1) is the basic configuration.

The automated teller machine 1 includes a card reader printer (abbreviated as CRP) 4 that reads out information written on the transaction card and records it on paper, etc., and a card reader printer (abbreviated as CRP) 4 that reads out information written on the transaction card and records it on paper, etc. Currency counting machine (C
(abbreviated as C or CCAD) 5, the above-mentioned CRP4 and CC
A control unit (abbreviated as CU) 6 for controlling the operation of (or CCAD) 5 and an interface (
(abbreviated as I/F) 7, etc. are incorporated.

The control unit 6 is connected to the host computer 2 via the interface 7 and communication line 8.

The automated transaction device l is installed at an automated transaction corner in a financial institution such as a bank, and with the above-mentioned configurations, it is functionally a key processing system that creates certain transaction information by operating input keys. , a card processing system that reads information recorded in the magnetic recording section of the transaction card and creates certain transaction information when the transaction card is inserted into a predetermined position within the device.

Therefore, in the automatic transaction system, certain transaction information can be created by the customer himself/herself by operating input keys or inserting a transaction card, and the transaction can be executed.

The features of the transaction card and automatic transaction device I described above will be described in detail below.

The transaction card for input into the device 1 is constructed as shown in FIG.

That is, the transaction card 10 has striped magnetic recording sections (numerals 11 and 11 in the figure) for writing transaction information at four locations in total, two on each of the front and back sides of the rectangular card. 12th grade is applicable).

This transaction card 10 is inserted into the device 1 from the short side of the card, and the aforementioned magnetic recording sections are provided along the long side that becomes the side edge when the device 1 is inserted. Furthermore, the position of each magnetic recording section on the card is set at a constant distance from the long side of the card. According to this position setting, when the insertion direction of the card, which is determined by the front and back of the card and the front and rear combinations, is changed, one of the four magnetic recording parts is selected and matches the reading position in the automatic transaction device 1. can be done.

Information regarding different transactions is written in the above-mentioned a [recording section]. Therefore, this transaction card l
According to O, it is possible to perform four transactions.

Of the four magnetic recording sections, the contents of transaction information regarding two magnetic recording sections 11 and 12 provided on the surface of the card will be specifically explained.

Both of the magnetic recording units 11 and 12 are used to withdraw cash as part of a transaction, but the magnetic recording unit 11 is used when the transaction amount is constant (fixed); , when the transaction amount is specified by the customer at the time of the transaction.

In each recording section, arrows 11a and 12a indicate the direction of insertion into the apparatus. In addition, characters 11b and 12 indicating fixed or designated are placed beside each recording section for customer confirmation.
b is attached.

As shown in the figure, the magnetic recording unit 11 contains data 13 indicating that it is a transaction card, a personal identification number 14, a bank number 15,
Store number 16, account number 17, identification data 18 indicating that the transaction amount is fixed, and amount data 19 for setting the transaction amount are recorded in this order. This amount data 19
may be a code that directly indicates the amount, but may also be a code for calling up the transaction amount recorded in the host computer 2 or the like.

In the magnetic recording section 12, data 13 indicating that the card is a transaction card, a personal identification number 14, a bank number 15, a store number 16, an account number 17, and identification data 20 indicating that the transaction amount is specified are sequentially recorded. There is.

The case has been described above regarding the two magnetic recording parts 11 and 12 on the card surface, where one is a transaction with a fixed transaction amount and the other is a transaction with a specified transaction amount, but the transaction amount may be fixed for both. In some cases, transaction amounts can also be specified for both. Further, since the magnetic recording section on the back side of the card can be created using the same concept as that on the front side of the card, the explanation thereof will be omitted.

Next, the card processing system of the automatic transaction device 1 will be explained.

This card processing system is controlled by the control unit 6 and has a fixed amount transaction function, an amount specified transaction function, and a fixed transaction amount changing function.

Here, the fixed amount transaction function means that when there is identification data 18 of "1 fixed" in the magnetic recording section of the transaction card IO,
The function is to read out the amount data 19, display the amount indicated by the amount data 19 on the display section of the device 1, and execute the withdrawal recorded in the magnetic recording section after confirming the amount with the customer. be.

In addition, the amount specified transaction function means that when the magnetic recording section has the identification data 20 of ``designation 1'', the customer is prompted to input the transaction amount using the keys, and the amount specified by the customer is inputted into the device 1. This is a function to display the amount on the display unit and execute the transaction recorded in the magnetic recording unit after the customer confirms the amount.

In addition, the fixed transaction amount change function is the amount data + 9
This is a function that allows you to rewrite the data that has been recorded by yourself.

The specific operation flow of such a card processing system is explained in the second section.
The explanation will be based on the flowchart in the figure.

This operation flow is for a case where a "cash withdrawal" is performed as a transaction.

When the transaction card 10 is inserted into the card slot of the device 1,
Processing operation starts.

First, data 13, 14, 15, 16, and 17 recorded on the magnetic recording section of the transaction card 10 are read (step 101).

Then, the authenticity of the card is determined based on information such as data 13.15 (step 102).

If it is determined to be "true" in step 102, the process proceeds to step 103, where the customer is asked to key in the PIN number, and it is verified against the read PIN number 14 (step 1).
04).

If they match, further identification data 18 (or identification data 20) indicating whether the transaction amount is specified or fixed.
is read (step 105), and if this is fixed, the next step 10 is read in step 106.
7, the transaction amount is read from the amount data 19 (step 107), and the transaction amount is displayed (
Step 108).

Then, the customer inputs confirmation or correction for the displayed transaction amount (step 109), and if confirmation is input, an inquiry is made with the host computer 2 via step 110 (step 111).

Then, a message from host computer 2 or “0K-1
A decision is made as to whether it is R or N G J (step 112), and in the case of roK, the transaction amount is withdrawn (step +13), and the operation ends. . Further, in step +12, if it is confirmed that the amount is NGJ, the operation ends without making a withdrawal.

In step 102, if it is determined that the transaction card 10 is 1 for -1, the card is returned and the operation ends.

Further, in step 104, if the password e7 does not match, the process proceeds to step 114, where the number of times the mismatch has occurred is counted, and if the number of times the mismatch has occurred is less than three times in a row, then The process returns to step 103, and when the number of times reaches three, the card is returned and the operation ends.

The series of operations from steps 106 to 113 described above represents the basis of the fixed amount transaction function described above.

If it is determined in step 106 that the transaction amount is specified, the process proceeds to step 115. This step 115 is a step for inputting the transaction amount or changing the amount data 19. The input in this step is judged in the next step 116, and if it is the transaction amount, the process proceeds to step 108 described above.

The series of operations from step 106 to step 108 via steps 115 and 116 characterizes the amount specified transaction function.

On the other hand, if the input at step 109 is a correction, the process returns to step 115 via step 110. The operation of returning from step 110 to step 115 is to avoid inconveniences such as incorrect input of amounts.

If fixed transaction amount change processing is input in step 115°, the process proceeds to step 117 via step 116. This step 117 is a step of key-inputting various amount data in order to change the amount data 19. When inputting the amount is completed, the amount data 19 is rewritten in the next step 118, and the operation is started. ends.

The series of operations in steps 115 to 118 characterizes the fixed transaction amount changing function described above.

In the automatic transaction system as described above, for example, when the transaction card 10 is inserted into the device 1 according to the arrow 11a, the customer does not need to input the transaction amount by key operation unless the transaction amount is changed. The transaction time will be shortened, making it possible to increase the transaction volume.

Specifically, for example, assuming that it takes 5 seconds to input the transaction amount using the keys, by using the present invention, the transaction time for - number of transactions can be reduced. To be more specific, in the case of cash withdrawals that require 30 seconds to complete a transaction, the transaction time can be reduced to 5/6, compared to 10 times using the conventional system. With the system of the present invention, it is now possible to complete 12 transactions in the same amount of time that was required for 1 transaction, and a considerable increase in transaction volume can be expected.

In addition, since the customer's own key operations are reduced, the burden on the customer is also reduced.

Furthermore, in the transaction card IO described above, different types of transactions can be recorded in each of the four magnetic recording sections, and
In that case, by changing the direction of insertion into the automatic transaction device, it can be used for four transactions alternatively.

Therefore, from the financial institution's perspective, it is possible to reduce the number of transaction cards issued, saving resources and expenses, and from the customer's perspective, it is possible to reduce the number of transaction cards held. It is possible to obtain excellent effects such as being able to reduce the labor required for management.

In addition, in the above-described embodiment, the transaction card is provided with four magnetic recording sections, but the number of magnetic recording sections is not limited to the embodiment. For example, the number may be smaller than that in the embodiment, or it may be possible to increase the number by devising the setting position and the like.

Furthermore, transactions to which the present invention can be effectively applied include, in addition to the above-mentioned 1-cash withdrawal, ``transfer''.

[Effects of the Invention] As is clear from the above explanation, in the automatic transaction system according to claim 1, the transaction card includes identification data for distinguishing whether the transaction amount is fixed or specified, and identification data for distinguishing whether the transaction amount is fixed or specified. On the other hand, when the automatic transaction device that reads transaction information from the transaction card reads identification data indicating that the transaction amount is fixed, it further reads the amount data. A fixed amount transaction function is provided.

Therefore, if the transaction amount is fixed (constant), the customer does not need to input the transaction amount using keys, and
Transaction time is shortened, making it possible to increase transaction volume.

In addition, since the customer's own key operations are reduced, the burden on the customer is also reduced.

Further, in the transaction card according to claim 2, it is possible to record different types of transactions in each of the FSt number of magnetic recording parts, and in this case, it is possible to change the direction of insertion into the automatic transaction device. can be used for multiple transactions as an alternative.

Therefore, from the financial institution's perspective, it is possible to reduce the number of transaction cards issued, saving resources and expenses, and from the customer's perspective, it is possible to reduce the number of transaction cards held. It is possible to obtain excellent effects such as being able to reduce the labor required for management.

[Brief explanation of the drawing]

FIG. 1 is a plan view of an embodiment of a transaction card according to claims 1 and 2, FIG. 2 is a flow chart showing the operation of the card processing system of the automatic transaction device according to claim 1, and FIG. Item 1
1 is an explanatory diagram of a schematic configuration of an automated trading system according to the present invention. ■... Automatic transaction device, 2... Host computer, 4... Card reader printer, 5
...Money meter [L machine, 6...Control unit, IO...Transaction card, II, 12...
...Magnetic recording section, 11a, 12a...Insertion direction, 18.20...Identification data, 19...Full amount data.

Claims (1)

[Scope of Claims] 1. An automatic transaction device installed in an automatic transaction corner of a financial institution, etc. includes a key processing system that creates certain transaction information by input key operation, and a transaction card at a predetermined position in the device. The card processing system reads the information recorded in the magnetic recording section of the transaction card and creates certain transaction information when the customer inserts the transaction card. In an automatic transaction system that creates a transaction amount and executes the transaction, the magnetic recording section of the transaction card contains identification data for distinguishing whether the transaction amount is "fixed" or "specified" and this identification data. If the data is "fixed", the amount data for setting the amount is recorded. On the other hand, in the card processing system of the automatic transaction device, the "fixed amount" is recorded in the magnetic recording section of the transaction card. If there is identification data of ``, then a fixed amount transaction function that reads the amount data and performs a transaction after confirming the amount set by the amount data from the customer, and an identification of ``specified'' in the magnetic recording section. If the data is available, the automatic transaction system is characterized by having an amount specification transaction function that prompts the customer to continue key input of the transaction amount, and executes the transaction after the customer confirms the amount specified by the key input. trading system. 2. Striped magnetic recording sections in which the identification data, amount data, etc. are written are provided at multiple locations on the card, and the position of each magnetic recording section on the card can be changed selectively by changing the direction in which the card is inserted. 2. The transaction card for use in an automatic transaction system according to claim 1, wherein the transaction card is set to match a reading position within the automatic transaction device.