JPS63211462A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To cope with a complicated transaction generating a different flow on the way of a transaction, and also, to facilitate the change and the addition of a program of a new complicated transaction, by designating successively an operation input processing program corresponding to a transaction kind, from a controller and determining the operation of an automatic teller machine. CONSTITUTION:To the third storage means 15 of the automatic teller machine 1, the program of an operation input processing is loaded as an initial program from the second storage means 21 of a controller 2, and when a transaction kind is inputted to the automatic teller machine 1, and whenever the operation input processing is ended, the processing code of a program of the operation input processing concerned is read out from the first storage means 22 of a controller 2, the program of the operation input processing corresponding to the processing code is read out of the third storage means 15, and based thereon, the operation input processing is executed successively and the transaction is performed. In such a way, it is possible to cope with a complicated transaction for generating a different flow on the way of a transaction, and also, the change and the addition of the program of a novel complicated transaction can be executed easily.

Description

[Detailed Description of the Invention] [(Already required)] An automatic transaction system used in financial institutions, etc., in which a first processing specification table is stored in a control device in which the order of processing codes according to transaction types is specified. and a second storage means for storing each processing block of the plurality of transaction pattern programs into operation input processing according to the transaction type and corresponding to the processing code; By providing the third storage means for storing the initial program load, it is possible to easily change the program and cope with complex transactions.

[Industrial application field]

The present invention relates to an automatic trading system in financial institutions, etc.
In particular, the present invention relates to an automatic transaction system that can handle complex transactions with multiple transaction patterns, such as transfers, and whose programs can be easily changed.

Automated deposit payment machines (AutomaLic) are available at banks, etc.
Teller Machine (hereinafter referred to as ATM)
Automated transaction devices such as
r-minal Controller: Hereafter T/C
), a transaction pattern program is initially loaded from the T/C to the automatic transaction device, and transactions are performed.

Recently, in addition to simple transactions such as deposits and payments, complex transactions such as transfers have also been processed, and in such complex transactions, multiple transaction patterns may occur in one transaction, so it is necessary to There is a need for a method that allows for easy modification and replacement of software to accommodate the

[Conventional technology]

Figure 6 shows a block diagram of an automatic transaction system in banks, etc. In the figure, ATM1a+1b, -... are T
/C2a, and the T/C2a is connected to a host computer (hereinafter referred to as host) 3 by a line.

ATMla has a main control unit 10. Operation unit 11. Display (hereinafter referred to as CRT) 12. Card read/write section 131 Passbook read/write section 14. An IPL memory 15a stores a transaction pattern program that is initial program loaded (hereinafter referred to as IPL) from the T/C 2a.

Printer section 16. and a cash counting and dispensing section 17 equipped with a cash storage safe and means for counting and discriminating cash to be deposited and withdrawn. ATMlb,-- also have a similar configuration. Below A
This will be explained in TM1a.

The T/C 2a has a main control unit 20. and a program file 21a in which a plurality of transaction pattern programs are filed.
It has a function of controlling the ATMla, transmitting predetermined processing block programs of a plurality of transaction pattern programs to the ATMla at the start of business, and relaying communication between the ATMla and the host 3.

In the program file 21a, transaction pattern programs for transaction types depending on the transaction type 3 and the presence or absence of a transaction medium (card, passbook) (hereinafter the presence or absence of a passbook will be referred to as "width/no passbook") are divided into processing blocks according to the operational processing flow. Filed. Although predetermined processing block programs of the transaction pattern program are IPLed to the ATMla, some post-processing programs such as withdrawal processing, receipt printing, card sending, balance update, etc. are not IPLed.

FIGS. 7(a) and 7(b) are examples of IPL processing programs, in which processing blocks for payment and deposit card transactions are filed in correspondence with codes.

The host 3 stores a transaction data file 31 that serves as a transaction ledger.
, responds to transaction permission inquiries sent from ATMla, and creates transaction data file 3 based on the sent transaction results.
It has the ability to update 1.

Therefore, when the power is turned on at the start of work, I
It is PL'd and stored in the IPL memory 15a.

When a customer performs a transaction, first specify the transaction type from the operation unit 11. For example, when the customer presses the no-book payment mode button,
A card insertion processing program is read out as the first processing block from the payment transaction pattern program in the memory 15a, and a guidance prompting the CRT 12 to insert a card is first displayed.

When the customer's card is inserted, the card read/write section 13
The card deck is read, a password input processing program is read out as the next processing block, and guidance prompting the user to input the password is displayed on the CRT 12.

Once the PIN is verified by entering the PIN, the payment amount input processing program is read as the next processing block.
A guidance prompting the user to input the payment amount is displayed on the CRT 12.

When the payment amount is input, the payment amount is displayed on the CRT 12, and when the customer presses the confirmation button, the transmission processing program is read as the next processing block, and a transaction inquiry message is sent to the host 3 to confirm whether the transaction is possible. will be responded to. When the host 3 determines that the transaction is possible, the transaction data file is updated.

The response message is determined by the T/C 2a, and when the transaction is possible, the corresponding withdrawal processing program and post-processing program are transmitted to the ATMla.

Based on this, the ATM la sends out the requested amount of cash from the cash counter 17, prints a receipt at the printer section 16, and sends out the cash, receipt, and card.

When the response message indicates that the transaction is not possible, a program for sending a card, displaying that the transaction is not possible, etc. is sent to the ATM la, and processing is performed accordingly.

In the case of other transaction modes, similarly, processing blocks of corresponding transaction pattern programs are sequentially output from a plurality of IPLed transaction pattern programs, and transactions are performed.

[Problem that the invention seeks to solve]

According to the above conventional method, the flow of operation processing is uniquely determined for each transaction, and when multiple transaction patterns occur in one transaction in a complex transaction, the entire program for each transaction must be changed. It is necessary to prepare from the beginning, and if a different trading pattern occurs during trading, the trading will be canceled and restarted from the beginning.

In addition, if there is a change in the operational processing flow9, for example, if deposits from other financial institutions or coin processing are to be made possible, the transaction pattern program must be changed.
In the case of simple transactions such as payments and deposits, the amount of change is considered to be small, but the transactions that can be processed by ATMs tend to become more complex. The transaction pattern program must be changed each time a transaction is added, and even when adding more complex transactions, the amount of changes cannot be said to be small, resulting in extra effort and effort for system software maintenance and quality control. The problem is that it costs money.

[Means for solving problems]

FIG. 1 is a block diagram of the principle of zero-starting.

In the figure, l is provided in the automatic transaction device, 2 is a control device, and 22 is a first table provided in the control device 2, which stores a process specification table in which the order of process codes for operation input processes according to transaction types is stored. Storage means, 21 is a second storage means provided in the control device 2 and stores each processing block of a plurality of transaction pattern programs into operation input processing according to the transaction type in correspondence with the processing code; 15 is an automatic transaction; A second storage means 21 provided in the device 1
"Pa 6 T P L door 0111 people" Processing 07°° Pa 9"
This is the third storage means for storing.

Therefore, when inputting the transaction type and each time the operation input processing is completed, the operation input processing program is read from the third storage means 15 based on the designation of the processing code stored in the first storage means 22, and the transaction processing is executed. configured to perform.

[Effect]

The third note 1α means 15 of the automatic transaction device 1 includes a control device 2.
A program for operation input processing is IPLed from the second storage means 21 of the control device 2, and is stored in the control device 2 whenever a transaction type is input to the automatic transaction device 1 and each time the operation input processing is completed.
The processing code of the corresponding operation input processing program is read from the first storage means 15, the operation input processing program corresponding to the processing code is read from the third storage means 15, and the operation input processing is sequentially performed based on this. transaction is carried out.

That is, instead of writing the format of the transaction pattern program in a format that matches the operational processing flow as in the conventional example, several operation input processing programs within the transaction pattern program are sequentially written in a control bag. i! In this method, the operation of the automatic transaction apparatus 1 is determined by specifying the operation of the automatic transaction apparatus 1 from 2, and the operation of the automatic transaction apparatus 1 is made variable by changing the instructions of the control apparatus 2.

Therefore, it is possible to deal with complex transactions in which different flows occur during the transaction, and it is also possible to easily change and add new complex transaction programs.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 2 to 4. The same reference numerals refer to the same objects throughout the design. Second
In the figure, parts corresponding to FIG. 1 are surrounded by a dashed line.

In FIG. 2, ATMI□1. ,...(hereinafter referred to as ATM)
l) is controlled by T/C2b, and T/C2b
is connected to host 3 - ATM 1
+ is the ATMla IPL memory 15 explained in the conventional example.
An IPL memory '15b is provided in place of a, at the time of starting trading operations.

And each time the operation input processing is completed, the information is sent to the T/C 2b, and the IPL memory 15 is sent based on the processing code that is responded.
It has a function of executing transactions according to the corresponding operation input processing program of b.

The IPL memory 15b is a memory that stores a program for manual operation processing that is IPLed from the program file 21b of the T/C 2b, which will be described next. The file 21b is provided with a file 21b, which controls the ATMI, and also sends a plurality of transaction pattern programs, that is, operation input processing programs, to the ATMI at the start of business. It determines the information each time, reads the corresponding processing code from the processing specification table file 22a, and sends it to the AT Mll.
It has a function of relaying the communication 8 between M 1 + and the host 3, and has a function of transmitting the corresponding processing program to the AT Mll in accordance with the response message to the host 3 to inquire about whether or not the transaction is possible.

The process designation table file 22a is a memory in which a process designation table is stored in which a combination of a plurality of transaction types and non-booked/marginal transaction types, that is, the order of process codes according to the transaction types is specified. FIG. 3 shows an example of the format of the processing specification table, in which codes are specified in the processing order on the vertical axis for transaction types on the horizontal axis. This code is stored in the program file 21b and IPL memory 15b.
This corresponds to the code of the operation input processing program stored in the .

The program file 21b stores each processing block of a plurality of transaction pattern programs as a transaction type.

In addition to dividing into operation input processing programs according to the type of 111m/width and non-width, and filing them according to the processing code,
A memory that stores withdrawal processing and post-processing programs.
The operation input processing program is IPLed to ATM1+.
be done. FIG. 4 (al to (fl) exemplifies a format in which the operation input processing program for each processing block is written in code correspondence, and is read out based on the code specified in the processing specification table file 22a.

Since it has such a configuration and function, the operation will be explained using the flowcharts in FIGS. 5(a) and ('b) as an example of a non-book payment transaction. ■First, when the power is turned on at the start of work, the T The transaction pattern program is A from the program file 21b of /C2b.
The signal is IPLed to T M 1 + and stored in the IPL memory 15b.

■When a customer makes a transaction, he or she first specifies the type of transaction using the operation unit 11. Here, press the no-book payment mode button.

■Then, “0” of the transmission processing block of the IPL memory 15b
This information is sent to T/C2b by the transmission processing program of “0”.
The transaction type is determined and the code "10" for the first process of non-account payment is read out from the process designation table file 22a.

■The code “10” is sent to ATM 1 +,
The operation input processing program divided for each processing block of the transaction pattern program in the PL memory 15b, ie, the program of "10" in the card insertion processing block → "Card insertion processing/payment without book" is read out.

(2) Guidance prompting the card to be inserted is displayed on the CRT 12 according to the read program, and when the card is inserted, the card read/write unit 13 reads the card data.

②Then, the program for "transmission processing" is read out with code "11", and the T/C2 is notified of +□\end of the first processing. "Transmission processing" is always performed in conjunction with operation input processing.

(2) Then, the code "20" of the second process is read from the process specification table file 22a.

(2) The code "20" is transmitted to the ATMII, and the program for "20"--"Password input processing/payment without account" of the password input processing block is read out from the IPL memory 15b.

■According to this program, a guidance prompting you to enter your password will be displayed on the CRT 12.

[Phase] The password is verified by entering the password.

(2) Then, the "transmission processing" program is read out by the code "2bi", and the T/C 2b is notified of the end of the second processing.

When it is set to 0, the code "40" for the third process is read from the process designation table file 22a.

■The code “40” is sent to ATM 1 l,
“40” of the password input processing block from the PL memory 15b
- The program for “amount input processing/when paying without a check” is read.

■A guidance prompting you to input the payment amount is displayed on the CRT 12.

- When the payment amount is input, the payment amount is displayed on the CRT 12, and the customer presses a confirmation button.

[Phase] Then, the program of 6 transmission processing is read by the code "41", and the completion of the third processing is notified to the T/C 2b, and a message inquiring about whether or not the transaction is possible is transmitted to the host 3.

■The host 3 determines whether the transaction is possible, and if the response is that the transaction is possible, the transaction data file of the host 3 is updated. Also, depending on the content of the response, T/C2b progera, mu file 2
Withdrawal processing and post-processing program output from 1b and A
The money is sent to the TMII, and the money is withdrawn, the receipt is printed, and the cash, receipt, and card are sent out in the same manner as described in the conventional example below. Also, if the response is that transactions are not possible, the card sending program outputs
The transaction is not possible and the card is sent to the CRT 12, and the card is sent to the CRT 12.

In this way, specify the operation input processing program in the transaction pattern program sequentially starting from 'r'/C2b and A.
By determining the operation of T M 1 l, the ATM
Since the operation of l can be made variable, it is possible to handle complex transactions where different flows occur during the transaction, and it is easy to change and add new complex transactions to the program, making it easy to maintain and manage the software. can be done.

〔Effect of the invention〕

As explained above, according to the present invention, the operation of the automatic transaction device can be made variable by sequentially specifying the operation input processing program corresponding to the transaction type from the control device to determine the operation of the automatic transaction device. This makes it possible to handle complex transactions where different flows occur during the transaction.
Furthermore, program changes and additions can be easily made for new complex transactions, and software maintenance and quality control are also facilitated.

[Brief explanation of the drawing]

Fig. 1 is a block diagram of the principle of the present invention, Fig. 2 is a block diagram showing an embodiment according to the present invention, Fig. 3 is an explanatory diagram of a processing specification table of the embodiment, and Fig. 4 is a block diagram of each processing block of the embodiment. FIG. 5 is a flow chart showing the operation of the embodiment, FIG. 6 is a block diagram showing a conventional example, and FIG. 7 is an explanatory diagram showing processing blocks of a conventional transaction pattern program. In the diagram, 1 is an automatic transaction device, 18.1b, 11, 12 are AT
M, 2 is the control device, 2a, 2b are T/C122
Figure 1 is a block diagram of the principle of the present invention. Figure 2 is a block diagram showing an embodiment of the present invention. Figure 2 is a code transmission processing block. Code is a card insertion processing block. Figure 4 is a code passbook insertion processing block. Code is an amount input processing block. 3 F (d)
4 F (e) 5F
(f) Illustration of the processing program for each processing block in the example
4 Figure

Claims (1)

[Claims] An automated transaction device (1) that performs transactions according to a corresponding transaction pattern program based on data read from a transaction medium in which customer-specific data is recorded and data including the type of transaction that is operated and input. , a control device (2) that controls the automatic transaction device (1) and has transaction pattern programs corresponding to a plurality of transaction types, and the transaction pattern program is transmitted from the control device (2) to the automatic transaction system. An automatic transaction system that is transmitted to a device (1), wherein the control device (2) stores a processing specification table in which an order of processing codes according to the transaction type is specified.
a storage means (22); a second storage means (21) for storing each processing block of the plurality of transaction pattern programs into operation input processing according to the transaction type and corresponding to the processing code; and the automatic transaction device (1) is provided with a third storage means (15) for storing a processing specification table that is initially loaded from the second storage means (21), and when the transaction type input and operation input processing are completed. The first storage means (22
) based on the processing code stored in the third storage means (
15) An automatic trading system characterized by reading out an operation input processing program from 15) and carrying out transaction processing.