JPS5827265A - Processing method for complex transaction in transaction processing device - Google Patents

Abstract

PURPOSE:To simplify operation when one customer requests plural kinds of payment and receipt by calculating the balance of these plural transactions through a key and storing part for complex transaction to limit the payment or receipt of cash to only once. CONSTITUTION:A teller or a customer can specify a transaction by 5-digit pushbuttons for transaction items and transaction kinds mounted on a keyboard 4 of a cash paying and receiving machine. When complex transactions are to be carried out, a complex key on the keyboard 4 is depressed, the item and kind of a required transaction are specified by the number of 5 or 4 digits and the number of 3-1 digits respectively, the amount of transaction is specified by a ten-key calculator, and a bank-book or a slip in which required items are entered is inserted into said machine. When the total amount of respective transactions is negative, money for compensating the deficiency is payed. The balance of each transaction is displayed on a display part by depressing a picture request button to prevent the transaction from malfunction and check the balance. Consequently the time for payment and receipt cash in each transaction can be omitted.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a complex transaction processing method in a transaction processing device used for transactions such as deposits and withdrawals in financial industries such as banks.

There are two types of transaction processing devices of this type: those used by tellers and those operated by customers themselves.In each type of transaction processing device, a single transaction processing operation only allows deposits or withdrawals from one account. only one transaction can be made. However, there is often a desire to perform multiple transactions at once, such as withdrawing a required amount of cash from one account and depositing some or more of this cash into another account. In such cases, with conventional transaction processing devices, it is necessary to first process the withdrawal (withdrawal) and actually receive the cash, and then perform the transaction processing of the deposit (deposit) again using this cash. , transaction processing operations were extremely cumbersome.

This invention provides complex transaction processing in a transaction processing device that can process multiple transactions with one cash injection or one cash withdrawal when one customer performs withdrawal transactions for multiple accounts. The purpose is to provide a method.

Hereinafter, the composite transaction processing method of the present invention will be explained in detail with reference to the drawings.

FIG. 1 shows the external appearance of the transaction processing device.

This transaction processing device (1) is installed in a cutout part of a counter (2) installed inside a bank store or at a counter (2).
teller m+” on top of or adjacent to counter (2)
They are arranged according to one rule. Then, the customer (C) and the teller (′
r'') face each other with the transaction processing device (1) in between, and the transaction progresses through mutual operations between the two.The transaction processing device (1) includes a teller transaction data display (3), a teller keyboard (4), passbook insertion slot (5), slip insertion slot (6), bill slot (7), bill return slot (8), bill discharge slot (9), coin slot (11), coin return Equipped with 0 proverbs and coin ejection "1θ" indicator (3)
and], a c n, 'I' display, a plasma display, etc. are used. Since CR, T displays are used in this embodiment, the display (3) will be referred to as c R below.
, 'I'. In this embodiment, transactions using banknotes and coins are possible.

FIG. 2 shows an outline of the internal configuration of the transaction processing device (1). Transaction processing is controlled by a central processing unit (for example, a microprocessor, hereinafter referred to as CPU) (101). It is equipped with I(, A M (15+). CPU (
+o) as its input/output device, CIL T (3),
Keyboard 4), bill depositing machine (21), bill dispensing machine (
24, coin deposit machine (4), coin dispensing machine (24), and form printing machine (25) that prints on passbooks and slips.Furthermore, the transaction processing device (]) is equipped with a line control device (26).
) is provided, and transaction data is exchanged with the center via this line control device (company). In FIG. 2, the interfaces of each input/output device and the control circuit of the CRT (3) are omitted.

FIG. 3 shows an outline of the banknote deposit machine (21). The banknote deposit machine ρ1) has a banknote slot (7) and a banknote slot (7).
A banknote carry-in path (3j) in which the banknotes are conveyed to the temporary storage mechanism (33) by a feed-out roller 06), and a banknote discrimination device that is installed on the banknote carry-in path 131) and distinguishes the type and authenticity of the banknotes. A temporary storage mechanism (33) that temporarily stores banknotes that have been determined to be genuine banknotes by the discrimination device 02;
), a deposited banknote storage box (34) for storing banknotes, a banknote return slot (8), and a temporary storage mechanism (3) for storing banknotes in case of unsuccessful transaction.
A first banknote return path (351) that transports the banknotes of 3) through the return slot (8), and a second banknote return path (a) that returns banknotes that cannot be distinguished from regular banknotes due to the identification device (darkness).
11η is formed from . Input port (7) and return D
(8) has a shutter (11), (4), a shutter (4), and a shutter (4).
+142 open/close state detector 03), banknote detector (44)
, a bill removal detector (a door) is provided respectively.The shutters (41) and (42) are opened and closed automatically and can be closed manually.Banknote conveyance path f31) (35)
(36) are each composed of a belt that pinches both sides of the banknote in the longitudinal direction, and a banknote passage detector (tree) is installed at the appropriate place.The belt is connected to a large number of pulleys By monitoring the time required for a banknote to pass between each passage detector (4η) using a timer or the like, it is possible to detect a jam, that is, a jam of a banknote.The second return path (36) A conveyance path switch (48) is provided at a location branching off from the carry-in path (31).

The second return route (3G) joins the first return route (35) midway. The temporary storage mechanism (33) is located below the carry-in path (31) and holds banknotes on a belt suspended by a pulley, and includes a banknote fall prevention arm (49). When returning temporarily stored banknotes, this belt moves with the point
The banknotes are fed out by sandwiching them between the belt and the belt. The temporary storage machine (11ff (IN:l) holds the center part of the banknote supported by belts on both sides)
It is equipped with a push-down part (J (50) and a stored banknote detector (51) that push down the banknotes into the storage box tray 34) by pressing down from the second side. Temporary storage machine 1 = 71f L3
The maximum number of banknotes (NS) that can be stored in :() is predetermined, for example, 50 banknotes. In the banknote 11y storage box (3.1), there is a banknote excess detector (52) that detects when the banknotes in the box (31) have become so large that they overflow.
is provided. In the configuration shown in Figure 3, all 1jp
Different types of banknotes are stored in a temporary storage mechanism (33) and mixed in a storage box (34), but a temporary storage mechanism and a storage box are provided for each type of banknote. That's disgusting.

Furthermore, if necessary, a banknote input device 1 and a banknote deposit machine may be provided for each type of banknote.

Figure 4 shows an outline of the banknote dispensing machine (2'4).The banknote dispensing machine (2'4 stores a large number of 100 yen, 5,000 yen, 1,000 yen, and 500 yen bills, respectively. Withdrawal bill storage box (6I)
~ (fM), a feeding mechanism that feeds and transports a specified number of banknotes from each storage box (6 yen, a temporary storage mechanism that temporarily stores the fed banknotes (to), a banknote discharge port (9)
”: The temporarily stored banknotes can be dumped into the ejection slot (
9) is composed of a banknote discharge path (6η).

Each of the storage boxes (G1) to (64) is equipped with a run-out detector (68) that detects when the stored banknotes are running low. The feeding mechanism (05) is provided with a blank feed detector (71) that detects that no banknotes are fed out, and a two-sheet detector υ that detects that two or more banknotes are fed out at the same time. ing. The temporary storage mechanism ((G) has almost the same configuration as the same mechanism (33) shown in Fig. 3, and has a storage banknote detector (
73). A shutter (7) is attached to the discharge port (9).
4), a shutter opening/closing state detector (751) and a bill removal detector (7) are provided.This dispensing machine (2'',
! Also in J, banknotes for jam detection are placed at appropriate locations on the conveyance path.
An In excess detector v η is provided. The coin deposit machine (Fuchio) and coin dispensing machine (24) have almost the same configuration, so
Illustrations are omitted.

FIG. 5 shows the keyboard (4). Arranged on the left half of the keyboard (4) are transaction setting keys consisting of transaction item keys arranged in two vertical columns and transaction type keys arranged in three vertical columns. These five columns of keys are numbered 1st to 5th digits in order from the right column. Also, code numbers 1 to 9 are assigned to the 9 keys in each column in order from the bottom.

Only one of the nine transaction setting keys for each column is pressed. The set transaction is then represented by a five-digit number. For a column in which all nine keys are not pressed, the number in that column is 0.

Each transaction setting key is provided with an indicator light (1). These indicator lights (P) are turned on when the corresponding key is pressed, and turned off when the transaction is completed or another key in the same row is pressed.

The right half of the keyboard (4) is provided with numeric keys and function keys including combination, overaccumulation prohibition, cash counting, confirmation, screen request, cash return, change, and completion keys. In addition to the numbers 0 to 9, the numeric keys include a 000 key for inputting units of thousands, a dot key, and an enter key. The combination, excessive storage prohibition, and cash counting keys are also provided with indicator lights (P), and these indicator lights (I) light up when the keys are pressed and go out when the keys are pressed again.

Pressing the key whose indicator light (P) is lit again means resetting the function of that key, as will be described later. Let me briefly explain the functions of some function keys.

This compound key is used to conduct transactions for multiple people with one cash injection or cash withdrawal. When the composite key is pressed, all cash input into the deposit machine is accepted except for defective ones, and the amount due is not paid. and,
In the case of a withdrawal transaction, the withdrawal amount is added to the payment balance 1 (described later), and in the case of a deposit transaction, the deposit amount is subtracted from the payment balance R, and in principle, when the composite key is reset, the payment balance 1 is The amount of (is released by the withdrawal machine.

Excess storage prohibition key This key is used to return cash exceeding the deposited amount when a deposit amount exceeding the deposited amount is inserted into the deposit machine in a deposit transaction. If the excessive storage prohibition key is pressed,
Wait for the transaction amount to be input manually, and after inputting the transaction amount, begin to identify and count the cash input into the deposit machine, and if the amount of cash that has been successfully identified is within the transaction amount, it will be temporarily stored and the transaction will be processed. If the amount exceeds the amount, the excess cash will be returned.

Even if the excessive storage prohibition IJ key is pressed, if the composite key is pressed, all correctly classified cash is temporarily stored, and only the poorly classified cash is returned.

Cash counting key This key limits the function of the deposit machine to only identifying and counting cash. When the cash counting key is pressed, the cash inserted into the input slot of the deposit machine is identified and counted, and if it is genuine cash, it is returned to the return slot via the second return path, and only cash that has been misidentified is temporarily stored. store. Additionally, the cumulative total of cash that has been successfully identified is displayed. Finally (after extracting normal cash), the temporarily stored unidentified cash is returned.

Figure 6 shows the contents of R, A, M (l. RA
The MC card (15) has an area for storing manually input account numbers, passbook print lines and balances, an area used as a flag for storing pressed transaction setting keys, and a flag for storing pressed function keys. The area (1 indicates the cursor ), the temporary storage mechanism (33) for the deposit machine 1) and the withdrawal machine
An area used as a temporary storage counter to calculate the number of banknotes stored in +6fil, an area to store the status of the deposit machine (21) and the dispensing machine, and a cumulative total of cash correctly identified in cash counting mode. Elijah remembers
There are aggregation areas and areas used as register groups. The register groups include the following: Here, R is an abbreviation for register, and I11 indicates an auxiliary register that cannot be re-operated.

Trade settings 1 Stores transactions entered by the transaction settings key.

Set by pressing the screen request key.

Transaction settings I]% Stores transactions entered by the transaction settings key.

It is reset at the start of transaction processing, and is set each time the transaction setting key is pressed.

Received amount R Stores the amount received from the customer. Every time the cash is recognized by the deposit machine, the amount is added. The contents are cleared after the center communication.

-Special tube amount R The deposit machine identifies the amount and stores the temporarily stored amount.

Every time the cash is recognized by the deposit machine, the amount is added.

Illusion that temporarily stored cash is stored or returned Sometimes it is cleared.

Transaction amount R Stores the transaction amount in human withdrawal transactions. It is set when the transaction amount is entered by the teller and cleared after communication with the center.

Change R Stores the amount of change in deposit transactions. It is set by pressing the change key.

Memorize the amount owed to the customer in relation to the withdrawal amount. After communication with the center, the change amount for deposit transactions, the transaction amount for payment transactions, etc. are automatically set, and in the case of cancellation transactions, key manual data is set.

Withdrawal amount 1. n This is a work register for correctly calculating the balance due.

Remaining payment R In a compound transaction, the result of adding and subtracting the transaction amount for each transaction is stored, and this remaining amount is paid to the customer at the end of the compound transaction.

Release class R Memorize the amount to be withdrawn from the withdrawal machine.

Memorize the amount counted by the dispenser. If the amount to be released exceeds the amount that can be divided (discharged) at one time, the amount to be divided at one time is set.

Receipt tally R Used to tally the amount of money correctly deposited by the deposit machine.

Discharge tally R Used to tally the amount normally disbursed by the dispensing machine.

The transaction processing procedure of such a transaction processing device is shown in FIGS. 7 to 12. The following is an example of a complex transaction in which one customer withdraws 90,000 yen from a savings account, then cancels a 10,000 yen fixed deposit (with interest of 1,000 yen), and then deposits 110,000 yen into a current account. explain. In this case, the amount the customer should receive is 90,000 + 10,000 - 100,000 yen, and the amount to be deposited is 110,000 yen, so the customer must deposit 9,000 yen. Therefore, the customer hands over 10,000 yen to the teller and receives 1,000 yen as change at the end of the complex transaction. FIG. 13 shows the contents of each register corresponding to the operations performed by the teller and each processing step in this example. In this figure, the customer may insert and remove banknotes.

The customer shall fill in his or her own account number and name, as well as the deposit amount and payment request amount, on the deposit slip and withdrawal slip for the three transactions mentioned above, and affix his or her seal in the required places to submit these deposit and withdrawal slips. He handed Teller his passbook and 10,000 yen in cash. After checking the seal on the slip and passbook, the teller performs the next transaction process.

Referring to FIG. 7, the transaction settings 11'L are reset (
Step 001), C, 1% first 1υ to T(3)]
A screen is displayed (step (101)). The transaction setting IR is reset, which means that its contents are oo
It is to become ooo. The reset state of transaction setting TR is not shown in FIG. Furthermore, in this example, nothing is displayed on the initial screen. The teller does not die and presses the compound key, so step (1O2) (10
3), NO, and step (107), YES.

This compound key has not been pressed, so step (108)
If the result is NO, proceed to step (109) and
, M/IQ) (15) Sets the composite key flag in the function key flag storage area. As shown later, when the composite key is pressed again, the composite key flag is reset because Y l>8 in step (ios). In FIG. 7, steps (1(17) to (71(+)) particularly show the setting and resetting processing of the composite key, but the exact same processing is performed for the excessive storage prohibition and cash counting keys.

Next, the teller presses the "normal" and "withdrawal" keys to set up the transaction, so the answer is NO at step (102) and YES at step (]03). Since the normal key has the fifth digit and code number 1, and the withdrawal key has the first digit and code number 4, the number (transaction code) representing the set transaction is 10004. This number is the trading setting■1
(Step (104)). Next, the teller presses the screen request key, so the answer is YES in Step (102), and the contents of the transaction setting IR are transferred to the transaction setting box (Step (104)). (1o
5) Trading guidance will be displayed in CrLT (3).

An example of this trading guidance display is shown in FIG. The first line displays the details of the set transaction.

The 2nd to 11th lines are columns for displaying various transaction data, and in step (106), these data items, such as account number, passbook nature (last line printed or line to be printed), are displayed. ) (second line) only the characters [] indicating the location where data is displayed are displayed, and the data is not displayed yet. In addition, a cursor (CU) is displayed at the lower right corner of the item whose data should be entered manually next. This cursor (CU) moves to the next data item to be input each time the data key is pressed. The 12th line is a message field.

While watching this display, the teller performs key input operations for data (described later), inserts slips and passbooks into each insertion slot (6) (5), and inserts cash (in this example, this operation is performed during the deposit process). to do). Each of these operations may be performed in any order, but the completion key is pressed last. If each operation is completed and the screen request key is not pressed again (step (111)'),
The process moves to step (112).

The screen request key is, as will be explained later,
The key is used to cancel manually entered data or input each operation. Therefore, if the screen request key has been pressed (YES in step (111)), the operation is redone.

Flag to remember when the screen request key was pressed again.
Like two series, R, A, M (are within +5+), and the contents of this flag are checked in step (111,).

In steps (1, 12), it is checked whether it is a deposit transaction according to the contents of the transaction settings 1, and if it is a deposit, a zero proof check is performed as described later. T (step (Ii4) (115)), the process moves to center communication (step (116)). If the transaction is not a deposit, it is checked whether the composite key has been pressed (step (113)).

In this example, since the compound key has already been pressed, the answer is YES in step (113) and the process moves to center communication.

If NO in step (113), it is checked whether the content of the received amount R. is O (step (1, 19)), and if it is 0, the process moves to center communication, and if it is not 0, an error occurs.

Since the amount received by the deposit machine is stored in the received amount R, it is generally impossible for the content of the received amount R to be non-zero in a withdrawal transaction. If you first set up a deposit transaction, insert cash, and the deposit machine fully accepts and discards the cash, if you wish to cancel the deposit transaction, the teller must press the screen request key and redo the operation. In addition, the user must press the return key to return the received cash. When cash is returned (Figure 9, step (11)
, 7)), the returned cash amount is subtracted from the received amount 1 (・ (see the diagram for this process), so the received amount becomes 0. However, if you forget to perform the cash return process, The content of the received amount It is not 0, and step (11
9) causes an error, so the teller notices this.

The center is provided with a customer-specific information file that stores each customer's account number, name and balance. When a message containing transaction data is transmitted from the transaction processing device, the center searches the file and checks the presence or absence of an account and other items to determine whether the transaction is possible, such as whether the withdrawal amount is less than the balance or not. Determine. This result is then transmitted to the transaction processing device.

If trading is possible (YES in step (117))
), number of transactions, total transaction amount by transaction, etc. I% A, M
(Step (118) to add up to +51), performs the following processes: authentication printing on the deposit slip (for example, printing of transaction date, account number, etc.), printing of transaction data on the passbook, and cash payment. After this, unless the transaction is a complex transaction, the teller stores the printed slip as a copy, hands the bankbook and cash to the customer, and completes the transaction. If the transaction is not possible (No in step (117)) and if there is an error in step (119), an error message will be displayed on the CRT (3) (step (120)), and if the confirmation key is pressed ( Step (12])), the process returns to step (106) and the data key manual operations are redone. You may return to step (101) from step (12]).

Since this example is a compound transaction, no cash is actually released in the cash payment process, as will be shown later.

The teller then proceeds with the term deposit cancellation process.

FIG. 8 shows details of the data key manual processing.

After displaying the guidance in step (106), the teller performs manual key operations for account number, bankbook line, and balance. Referring to FIG. 8, since the cursor (C[J') is displayed at the account number location on the CRT (3) screen, the teller first enters the account number manually using the numeric keypad (step (131)). ).

Then, this input [-1 locus number] is displayed in [] (step (132)), R, A, M
(It is stored in +aj (step (133)). This data key manually moves the cursor (CU) to the bankbook line, so the teller inputs the bankbook line in the same way, and then inputs the balance. These data are displayed in CR・1: (3) (see Figure 14).
RAM Q5) (Step (1)
31) to (133) ). If these data are recorded on the magnetic stripe affixed to the cover of the passbook, there is a magnetic stripe inside the passbook insertion slot (5).
It is also possible to arrange a reader and have this stripe reader take over and display it on CR,T (3).

After completing the data input, the cursor (CU) moves to the transaction amount on the fourth line. In this example, the initial transaction amount is 90,000 yen (withdrawal). Therefore, the teller inputs 90,000 yen using the numerical keys (step (131)
). The transaction amount is then displayed on the fourth line of CRT (3) (step (132) (see Figure 14)). Regarding the transaction amount, the process ρ in step (133) is omitted. Next, the teller presses the enter key (step (134)), so the transaction amount entered by the key becomes transaction amount + 1. (Step (1:'S5
)(136)).

Cfl 'I' (3) screen from the transaction amount key manual
The second cursor (CU) is displayed at the summary section on the fifth line. If input of the summary and value date data is not necessary, the teller presses the enter key to skip these inputs. If the starting date data is not entered, the date on which the transaction is conducted will be treated as the date. In a withdrawal transaction, the received amount on the 6th line, the teller amount on the 7th line, and the change amount on the 8th line are irrelevant. The cursor (CU) moves to the withdrawal amount on the 9th line. In addition, teller storage and teller withdrawal means that the teller directly stores and withdraws cash using his/her own cash storage box, without using a deposit machine or a withdrawal machine.
81. In this case, if you enter the teller deposit amount and teller withdrawal amount manually, these amounts will be displayed in the 7th and 11th lines of CR,T (31. However, the explanation is omitted here. do.

Although the change key is not used for withdrawal transactions, it will be briefly explained. When the change key is pressed (step (13)
7) ) is a deposit transaction (step (138)
) and the transaction amount has already been entered (step (13)
9)) Calculate the change using this transaction amount etc. Step (140)) Display the calculated change amount on the 8th line of CR,T (3) (Step (141))
.

Data key The type of transaction may be reset using the transaction setting key during manual operation. This occurs when the type of transaction is changed during the operation. When the transaction is reset (YES in step (1, 42)), the configured transaction is set in the transaction setting IR (step (1, 42)).
43) ).

When re-entering data and after resetting the transaction (step (142)), the screen request key is pressed (step (144)). In this case, the fact that the screen request key was pressed is stored in the flag at TL A, M (+51, and the transaction amount R and change R are cleared in step (145)), and the contents of the transaction setting IR are set in the transaction setting. Transfer it to R and store it (step (146)
Display trading guidance on λCr(T (3)) (step (147)). After this process, step (11)
Since the answer is YES in step 1), each operation (at least the data input operation) is performed again. Step (142)
-(147) are steps (102) to (106) described above.
This is almost the same process.

The completion key is pressed when all operations are finished (
step (1's)).

The second step is manual data key processing. Since the slip set and passbook set processes are not very important, their explanation will be omitted. In general, a cash set is not required for transactions that involve only withdrawals, and it is impossible because the shutter of the deposit machine's slot does not open, but in the case of complex transactions, as will become clear from what will be shown later. You can set cash at any time. However, here, in order to make the teller operation and its corresponding processing easier to understand, it is assumed that cash is set in the deposit processing during the complex transaction.

In FIG. 7, if each process after step (106) is completed and step (111) is NO, step (1
12) Move to center communication via (11, 3) (step (166)), and if transaction is possible (step (11)
7) After step (118), the process proceeds to slip printing, passbook printing, and cash payment processing. A description of the slip printing and bankbook θρ printing processing will be omitted. The procedure for cash payment processing is shown in FIG.

In Figure 11, the contents of the transaction settings It, and the deposit (
Step (200)), withdrawal (Step (201))
), empty completion (step (202)) is sequentially checked.

Empty completion means that the contents of the 1-return setting It are reset, that is, the transaction code is ooooo. We are currently explaining the withdrawal process for 90,000 yen, so the content of the transaction setting ratio is withdrawal (
NO at step (200), Y at step (201)
ES). If the transaction amount has already been set (YES in step (208)), transfer the contents of the transaction amount to the withdrawal amount (step (209)), and enter the contents of the withdrawal amount IR in the payment balance. Calculate the remaining payment amount by adding the amount and subtracting the contents of the withdrawal amount ratio (step (21)
0) ). In this example, ■ The transaction amount is 90,000 yen, so the withdrawal amount IR is also 90,000 yen, and the remaining payment R and withdrawal amount ratio are both 0, so the remaining payment is 90,000 yen. . The reason why the content of the withdrawal amount 1 is subtracted in step (2) 0) is to cope with the correction of the withdrawal amount, which will be described later. After this, the contents of the withdrawal amount IrL are transferred to the withdrawal amount I (step (211)), C
1% T (3) displays that the withdrawal amount is 90,000 yen (line 9) and that the denomination is 9 10,000 yen coins (line 10) (step (212)) (See Figure 14)
. When the teller sees this display and presses the confirmation key (No in step (213), YES in step (214)), he checks whether the content of the remaining payment R is O (step (221))
). The payment balance is 90,000 yen, so step (2)
2]) is NO, and then it is checked whether the compound key is pressed (step (222)).

Since the compound key is pressed, Y is selected in step (222).
ES and step (2) without performing cash release processing.
26), the transaction amount It and the withdrawal amount TI are cleared (step (226)). In this way, if the composite key is pressed, no cash dispensing process is performed even if there is an amount to be paid. If the balance of payment 114) is 0 (YES in step (22)), the amount to be paid is O, so naturally the cash release process is not performed. The cash release process will be described later.

In the withdrawal confirmation display in step (212), the teller can correct the withdrawal amount using the numerical keys if the withdrawal amount is different, and can also correct the denomination if necessary (step (212)). 213) ). The denomination displayed on the CRT (3) is determined so as to emit the minimum number of banknotes. Therefore, although it is not directly related to this example, for example, 9
If you wish to exchange and release 10,000 yen out of 10,000 yen, you can also set the desired denomination through this step (213). The denomination setting key is omitted on the keyboard (4). ``Numeric keys'': The manual input data is displayed on the CRT (3) (step (215)),
Next, when the enter key is pressed (step (2)9)
), the corrected withdrawal amount is set to the withdrawal amount Tll (step (220)). Even when the withdrawal amount is corrected in this way, the remaining payment amount is calculated again in step (2] 0), but at this time, the payment amount has already been transferred to the withdrawal amount R (step (211)) i Wu The exact amount remaining will be calculated by subtracting the amount withdrawn.

This completes the first transaction of the composite transaction, that is, the withdrawal process of 90,000 yen from the savings account.

The teller then proceeds to cancel the term deposit. The compound key is almost pressed down. The teller first sets up a transaction (Figure 7, step (103)), then presses the screen and presses the "request" key (step (102)). Regarding this,
1, the number representing the set transaction is set in the transaction setting [■ (step (H14)), and then transferred to the transaction setting R (step (105)).
). The fixed 1ull key is the 5th digit and the code number is s,
1'! I: The appropriation key is the third digit and the court number (J is 8), and the withdrawal key is the first digit and the code number is 4, so the number representing the set transaction is 40804.

The teller then performs the take key manual and slip and passbook set processing. In the data key manual processing (Figure 8), the teller enters the account number and bankbook status using the keys, so these data are 01(.

Displayed on T(3). Since it is a fixed 1υ1 cancellation, there is no need to key-in the balance and transaction amount. When the teller presses the completion key, the center communication (step (IN)ω (112) (113) is performed in FIG. 7).
116)). If the transaction is approved through communication with the center (step (117)), the transaction is collected (step (118)), and the process proceeds to slip printing, passbook printing, and cash payment processing.

In the cash payment process (Figure 11), step (200) (
201) and then proceeds to step (208). Since the transaction amount has not been set yet, answer N at step (208).

becomes. In the case of cancellation, the cancellation fee including interest is transmitted from the center through center communication and displayed on the CRT (3). In this example, the term deposit is 10,000 yen and the interest rate is 1,000 yen, so the cancellation fee is 11,000 yen. The message to input the withdrawal amount is still displayed on the 12th line of CR,T (3) (step (216)),
The teller uses the cancellation fee (11,000 yen) as the withdrawal amount (step (2) 7). Then, this input withdrawal amount is displayed in CIt, T(3) (step (
218) ), when the enter key is pressed (step (219)), the withdrawal amount 1■(, is set to (
step (220)). Incidentally, when the termination fee is transmitted from the center, the teller may directly set the termination fee to the withdrawal amount TIL without inputting the withdrawal amount manually. Unfortunately, if the center does not calculate interest, the teller will do the calculations manually, and then manually enter the withdrawal amount including interest. Further, although not shown in this embodiment, another example in which the transaction amount is transmitted from the center as described above is a case where an exchange fee is calculated for a predetermined deposited amount.

Next, by adding the content of the remaining payment R・ of 90,000 yen and the content of the withdrawal amount ■1 (, 11,000 yen (the content of the withdrawal amount R is 0), the new remaining payment amount is 101,000 yen. Calculate the remaining payment R2
Store (step (210)), withdrawal amount 11t
Step (2) 1) to transfer the contents to the withdrawal amount R1)
, displays a withdrawal confirmation (step (212)).

If the confirmation key is pressed (step (214)), then step (226) is passed through step (22]) (222).
), transaction amount 1t and withdrawal amount 11. Clear the contents of.

The deposit cancellation process ends.

Furthermore, Teller processes a deposit of 110,000 yen into his current account. Since this transaction processing is the last transaction processing of a compound transaction consisting of a series of transactions, the teller presses the compound key ■1 (Figure 7, step (107)) to cancel the compound transaction processing function. (step (11,0)).

The teller then sets up the trade and presses the screen request key (
Step (1o3) (102) ). The temporary key is the 5th key.
The code number is 2 in the digit, and the code number in the deposit key is 9 in the first digit, so the number representing the transaction that has been set is 20 o.
It is 09.

Next, teller, data key human power, slip seller 1-,
Performs passbook set and cash set processing.

In the data/key manual processing (Figure 8), the teller manually enters the 1I seat number month, continuity, balance, and transaction amount (1I million yen), so these data are The transaction amount is displayed on the second to fourth lines, and the input transaction amount is set in the transaction amount It (steps (131) to 4).
(136) ). The change key will be described later.

Details of the cash setting procedure are shown in FIG. Referring to this figure, check whether the transaction setting R is for deposit (step (150)) and press the compound key 7f.
'T (composite key/flag set) or not (step (
15]) )), and in the case of a coin deposit machine (2I), the shutter Gll+ (coin deposit machine (coin deposit machine)
211) The same applies to the target) (step (152)). In this example, since the transaction setting [content is deposit], YES is returned at step (150), and step (152)
Proceed to. After the teller inserts the 10,000 yen handed over by the customer into the input slot (7), he manually closes the Nyatta (41), so the result is YES at step (153), and the result is Y'ID S at step (154). be.

It is clear from this processing procedure that the banknote deposit machine (
The shutter (41) of the input port (7) of 21) is always in a closed state. The shutter (41) is opened only when a deposit transaction and a composite transaction are set. This also applies to transactions other than these, such as withdrawal-only transactions, when the shutter (4 doors) is open.
This is because there is a risk of accidentally inserting cash, which would disrupt the process. Since Shirt No. 4 (41) is opened even when the composite key flag is set, the customer, in this series of composite transactions, will withdraw 90,000 yen from the above-mentioned savings account. It is possible to input 10,000 yen into the input slot (7) even at the processing stage of 1r1 or 10,000 yen intermittent deposit.

Next, check whether the cash counting key has been pressed (step (155)
)), whether the compound key has been pressed (step (15)
6) ), and since they are all NO, next check whether the over-storage prohibition key has been pressed (step (157)).
) ), this key is not pressed, so step (
158) and proceeds to the cash storage process.

Referring to FIG. 10, in the cash storage process, the input slot (7)
The banknotes inserted into the bank are taken in one by one by a discrimination device (step (18)). As a result of the discrimination,
If it is a genuine banknote (YES in step (182)),
Check whether the number of banknotes stored in the temporary storage mechanism (33) has reached the maximum number (NS) based on the contents of the temporary storage counter (step (183)), and if it has not reached the maximum number (NS), continue. Check the status of the composite key and overstorage prohibition key (step (184) (
185) ). Since neither the compound key nor the storage prohibition key is pressed, NO in step (184) and step (185)
If the result is No, the verified banknotes are stored in the temporary storage mechanism (33) and the content of the temporary storage counter is incremented by 1 (step (187)).
) ). Then, the amount of the verified banknote is stored at the temporary storage facility t.
and the contents of the received amount R (step (
1sg) (189) ), check whether there are any bills left in the slot (7) (step (190))
. If there are banknotes left in the slot (7), proceed to step (18)
Returning to ), the banknotes ( ) are identified one by one and temporarily stored, and the amount of the banknotes is added to the temporary storage mechanism and the received amount R. Step (1s
If the processes from l) to (190) are repeated 50 times, the number of temporary storage sheets will reach (NS), so answer YES at step (183).
From the 51st banknote, return it to the return slot (8) through the second return path (36) (step (195))
).

Banknotes that cannot be determined to be genuine banknotes by the discrimination device 0η are also returned (steps (] 82) (] 95).
).

When the banknotes in the slot (7) run out (step () 90
), if there are any returned bills in the return slot (8), they are removed (steps (191) (192)), and the content of the received amount It is displayed on the 6th line of CRT (3) (step (193) ).

In this example, since the banknote inserted into the slot (7) is 10,000 yen, if this banknote is a regular banknote (step (
182) ) , - The contents of the special tube amount R and the received amount R are 10,000 yen. 10,000 yen is displayed as the amount (step (193)
).

When the teller presses the change key (Figure 8, step (1)
37) ), The contents of the transaction setting ratio are the deposit (step (138)), the transaction amount of 110,000 yen has already been entered by key personnel (step (139)), and the change is calculated (step (140)). ). In this example, the received amount is 10,000 yen, the paid amount is 101,000 yen, and the transaction amount is 110,000 yen, so change = Receiver payment balance - Transaction amount (1,000) (10,000) (10 11,000) (110,000), the change will be 1,000 yen. This change of 1,000 yen is set in change R and displayed on the 8th line of CI% T (3) (step (141)).

When the teller presses the completion key (step (148)),
This means that the data key manual, slip set, passbook set, and cash set processes have been completed.

In step (112) of Figure 7, the set transaction is a deposit, so answer YES in this step (112).
Then, move on to zero proof check (step (
114) ).

Amount 2 Received amount 10 Remaining payment - Transaction amount 1 Change (0) (10,000) (101,000) (110,000) (1
1,000), the content of the amount is 0, so step (11
5) becomes YES and it is possible to proceed to center communication.

If the change is not calculated because the teller does not press the change key (step (140)), this zero proof check will result in an error.

If the transaction is possible as a result of center communication (step (11)
7) ), R, A M (+5) are aggregated by transaction and (
Step (US)) Proceed to slip printing, passbook printing and cash payment processing.

In Figure 11, since the content of the transaction setting ratio is a deposit (YES in step (200)), the content of the payment balance (1
Calculate a new payment balance by adding the contents of the received amount R (10,000 yen) to the total amount (110,000 yen) and subtracting the contents of the transaction amount (110,000 yen), and store it in the payment balance R ( Step (2
03) ). This new balance is equal to the change. Then, add the content of 10,000 yen of the special amount R to the content of the total amount received and total it (step (204)), the received amount R
1 transaction amount R and temporary storage mechanism are cleared (step (205)).

If there are banknotes stored in the temporary storage mechanism (33) (step (206)), store them in the storage box (341) (step (207)).The content of the balance payment is not 0 (step (206)). 221), the composite key is set (No in step (222)), proceed to step (223), and transfer the contents of the payment balance I (to the withdrawal amount R) in preparation for the cash disbursement process. Step (2)
23) ), clear payment balance step (224)
)), the content of the withdrawal amount R is transferred to the disbursement class R (step (225)), and the cash dispensing process is performed. cash release 1
3. After completing the processing, the transaction amount R and the withdrawal amount It are cleared (step (226)).

Details of the cash release process are shown in FIG.

First, it is checked whether it is possible to release cash for the entire amount of release type R (step (231)). Specifically, R.A.
M (From the contents of +5+, check whether the dispensing machine (22) is out of banknotes and whether there is a failure in the dispensing machine (2''lI).

If a failure occurs in the dispensing machine (2"IJ), check whether the content of the discharge type R is 0. If the full amount can be disbursed, CR,
A message to confirm release is displayed on the 12th line of T (3) (step (232)). When the confirmation key is pressed (
Step (233)), if the content of discharge class R1 is not O, set the amount to be discharged by 2 mons to count class R (step (235)). Dispensing machine +22). The maximum amount of banknotes that can be stored in the temporary storage mechanism has not yet been determined, for example, 50 banknotes.If the amount to be released exceeds the amount of 50 banknotes, it will be released in two or more parts. At the time of the first release, the maximum amount that can be released at one time is set in count class R (step (235)).
.

When the discharge type is set in the counting type R, the storage box (6I)~
Pay out banknotes one by one from one of the (goods), temporarily store them in the temporary storage mechanism ((to), and count the fed out banknotes (step (236)) @Error in this process that makes it impossible to continue feeding , for example, to see if there is an empty output or a jam (step (237)).
), if there is no error, check whether the disbursement of the amount set in accounting class R has been completed, and if it has not been completed, return to step (236) and repeat the above process (step (238)). ) ).

If an empty bill is dispensed or a jam occurs, repeat the feeding of the banknote the required number of times (for example, three times), and if the empty bill is still dispensed or the jam is not cleared, the error in step (237) is detected. do.

When the counting type of banknotes has been fed out, the temporary storage mechanism ((
The banknotes (to) are transported to the discharge port (9) via the banknote discharge path (67) (step (239)) and the shutter υ41 is opened. It is checked whether there was any conveyance error such as jam occurrence during this banknote conveyance process (step (240)).
If there is no conveyance error, wait for the teller to remove the ejected banknotes from the ejection port (9) (step (241)
).

When the discharged banknotes are taken out, the count class R is calculated from the contents of the discharged amount box.
Subtract the contents of and use the result of this subtraction as a new emission class (
step (242)). This treatment is effective when the amount of released substances exceeds the maximum amount that can be released at one time. Next, the content of the split amount R is added to the discharge total R to be totaled (step (243)), and the process returns to step (234). If the content of the discharge type 1t is 0 in step (234), it means that the discharge of the banknotes of the amount to be discharged has been completed. Release class R
If the content is not 0, the amount to be dispensed for the second time is set in the count class R, and the bill dispensing process is repeated in the same way.

If the full amount cannot be discharged in step (23] ), that is, the banknotes in the storage boxes (61) to (64) are out, or if the dispensing machine (four failures) and discharge type rt≠0, and in step (237) ) If an error occurs at (24, 0), display CJ'(, 12th line of T(3) as ejector failure or ejector failure (step (245)) (246
) ), perform error handling (step (247)
). In these cases, it is impossible to dispense cash using the dispensing machine (22), so the teller will have to pay.

In this example, the content of the release amount (1) is 1,000 yen, so
1,000 yen is set in counting class II (step (235)
)), one 1,000 yen bill is fed out from the storage box (63) and released into [''(!) (Steps (2: (6) ~ (
2:(9)).

However, by processing step (242), release type 1 (,
The content of J-! becomes O, and at step (243) J-! I!
Accordingly, 1,000 yen is added to the release total It.

The teller removes 1,000 yen in cash from the outlet (9), hands the 1,000 yen and three types of passbooks with transaction data printed on them to the customer, stores the printed slips, and completes the complex transaction. .

In FIG. 9, steps (16) (163) and (176) are for synchronizing the data key manual processing (FIG. 8) and the cash set processing. As mentioned above, the screen request key is used to cancel the manual key operation (step (144)), and the completion key is used when the manual key operation is completed (at this time, the bankbook, slip, and cash setting process is also completed). (step (148)). The fact that these keys have been pressed is stored as a flag in RAM (15+).If YES in step (16]) and NO in step (154), the process advances to step (170).Step If YES in step (163), check whether there are banknotes in the slot (7) (step (164)
) ), if there are no bills, the shutter of the slot (7) is 0]
) automatically closes (step (165)) and proceeds to step (170). If the cash counting key is not pressed in step (170), proceed to step (175);
If the cash return key is not pressed, step (176)
Proceed to. Then, if the screen request key or the completion key is pressed, the cash setting process ends.

The cash return key is pressed when requesting the return of banknotes stored in the temporary storage mechanism (33). Step (1
62) If YES in (175), step (1,7
Proceed to 7). If YES in step (167), check whether there are banknotes in the slot (7) (step (168)), and if there are no banknotes, close the shutter (41) of the slot (7). (Step (169)),
Proceed to step (177).

Although detailed illustration of the cash return process (step (177)) is omitted, in this process, the stored banknote detector can 1)
Check whether banknotes are stored in the temporary storage mechanism (33) from the output signal of
Indicate that the cash will be returned on the 12th line of (3), and
The stored banknotes are carried out to the return slot (8) through the return path (3 [9). Then, when the banknotes from the return slot (8) are removed, the contents of the temporary storage mechanism are subtracted from the contents of the received amount R, and - Clear the contents of special tube amount 1't.

If the cash count key is pressed, step (15)
5) becomes YES and moves on to the cash counting process (step (
159) ). This cash counting process is also omitted from illustration, but in this process, bills inserted into the slot (7) are taken in one by one and judged by the discrimination device (32).
If the banknote is a genuine banknote, the banknote should be sent to the second return route (3iil).
After that, return it to the return slot (8). This banknote discrimination and return process is repeated until the banknotes in input D (7) are exhausted. If the banknotes cannot be determined to be genuine banknotes, they will be stored in the temporary storage mechanism (33).
) When the verification of all the banknotes in ) is completed, the counter (421) of the return slot (8) is opened. When the teller takes out the cash, the cumulative total of verified cash is displayed on the 12th line of CIt, T (3).

Then, the cash discrimination and counting process is completed and the process returns to step ω (152). When the opened shutter (11) is closed again by the teller (step (153))
, there is no cash in the input slot (7), so step (154)
Then, the process moves to step (170). Since the cash count key has already been pressed, step (170) yields Y ID S.

If defective banknotes are stored in the temporary storage mechanism (33) (
Step (171): YES), display on CRT (3) that the bad cash will be returned (Step (172))
, temporarily stored cash can be returned through the first return route (3-way return D
Return it to (8) and open Nyatta (44) (step (
173) ). When the teller removes the returned bill (step (174)), the process shown in FIG. 9 ends.

In a deposit transaction, if the composite key is pressed (NO in step (156)) and the excessive deposit prohibition key is pressed (YES in step (157)), the transaction amount (
Wait for the key input (deposit amount) (Suunotep (158)). This is because the prohibition on overstorage is meaningful only when the transaction amount remains constant.

In the cash storage process shown in FIG. 10, if the composite key is pressed (NO in step (184)) and the excessive storage prohibition key is pressed (step (1, 85)), step (186) Then, the contents of the received amount R and the contents of the transaction amount R are compared each time a banknote is taken in and verified. If the content of the received amount R exceeds the content of the transaction amount ratio, subsequent bills are returned to the return slot (8) via the second return path (3) without being temporarily stored. (Step (195)). Therefore, for example, if the transaction amount is 85,000.
If you accidentally put 100,000 yen (10 10,000 yen bills) into the slot (7) when it should be 1,000 yen, only 90,000 yen will be stored in the temporary storage mechanism (33). 10,000 yen is the return slot (
8) will be returned. Then, 5,000 yen becomes change (step (140)). In this way, even if you accidentally insert more banknotes than the transaction amount, if you press the excessive storage prohibition key, the excess banknotes will be returned immediately.

However, even if the over-storage prohibition key has been pressed,
If the compound key has also been pressed, step (156) in FIG.
), the result is Y[bow S, and the process moves to cash storage processing without performing steps (157) and (158). Also, in the cash storage process (Fig. 10), Y is determined in step (184).
Since the state becomes ES and the processes of steps (185) and (186) are skipped, the excessive storage prohibition function is canceled. As a result, in compound transaction processing, all of the input cash is accepted, the withdrawal amount (change) is added as a balance for each transaction, and at the end of compound transaction processing, the final payment balance is transferred to the dispensing machine. will be emitted by Therefore, during normal transactions, the excessive storage prohibition key can be kept pressed at all times. And when making a compound trade, you just need to press the compound key,
There is no need to cancel the over-storage prohibition function by pressing the over-storage prohibition key again.

(Left below) In complex transaction processing that includes both withdrawals and deposits, the withdrawal transaction is generally processed first, and after the transaction is completed and the amount to be withdrawn is determined, the withdrawal is processed. Amount (remaining payment)
and, if necessary, insert cash to process the deposit transaction.

If the shutter of the cash slot of the cash deposit machine is configured to open only for a deposit transaction, if there is actually cash to be deposited into the deposit machine (see step 1 in Figure 9).
50) without step (151)), this cash can only be inserted into the deposit machine when performing the latter deposit processing of a series of complex transactions. However, in this invention, if a compound transaction is set, the cash deposit machine is always capable of accepting cash (step (
151) ), the teller or the customer can insert the cash to be deposited into the deposit machine even during the withdrawal processing stage in the first half of the complex transaction.

Since the teller or the customer can set the cash at any time, there is no need to hold cash until the latter half of the complex transaction, making the operation very easy. In the above embodiment, if the compound key has been pressed, step (152)) sets the shutter in a state in which the shutter is normally locked in a closed state, and if the compound key has been pressed, the lock can be released and the shutter can be opened manually. Alternatively, the entry path of the cash deposit machine may be set in a drivable state.

In the above example, only the processing for banknotes is shown, but it goes without saying that the processing for coins and the processing using both banknotes and coins are performed in exactly the same way.

The present invention can be applied not only to a transaction processing device used by a teller, but also to an automatic cash dispensing machine operated by the customer himself/herself. In this case, the cash deposit dispensing machine is also provided with a key for inputting the transaction amount.

As described above, according to the present invention, when one customer performs withdrawal transactions for multiple accounts, these multiple transactions can be continuously processed with one cash injection or one cash withdrawal. I can do it. Therefore, the teller's operation becomes easy and the transaction processing time can be shortened. Furthermore, when a complex transaction is set, the teller or customer can set cash at any time, making transaction operations easier.

[Brief explanation of drawings]

Fig. 1 is a perspective view showing the external appearance of the transaction processing device, Fig. 2 is a block diagram showing the internal configuration of the transaction processing device, Fig. 3 is a configuration diagram showing an overview of the banknote deposit machine, and Fig. 4 is a banknote dispenser. 5 is a plan view showing the keyboard, FIG. 6 is a diagram showing the contents of the RAM, FIG. 7 is a flow chart showing the overall procedure of transaction processing, and FIG. 8 is a block diagram showing an overview of the money machine. 9 is a flow chart showing the procedure of data key manual processing, FIG. 9 is a flow chart showing the procedure of cash set processing, FIG. 10 is a flow chart showing the cash collection processing procedure, and FIG. 11 is a flow chart showing the cash payment processing procedure. Flow chart showing the procedure, FIG. 12 is a flow chart showing the cash dispensing processing procedure, FIG. 13 (3)... CRT, (4)... Keyboard,
(71 (11) ... input port, (8) (121 ... -
Return port, (9) (13)...Discharge port, [Yes] (15)...RAM, (2]) (23)・Fist・
Deposit machine, (22 + (241...Kist withdrawal machine, (3 thirst (61)
)・○11 Identification device. Patent Applicant: Tateishi Electric Co., Ltd. ■ Procedural Amendment I Part I February 23, 1980 1, Case Description 1981 Patent Application No. 126155 2 Title of Invention Complex Transaction Processing Method in a Transaction Processing Device 3 Relationship with the case of the person making the amendment Patent Applicant Address 10 Hanazono Tsuchido-cho, Ukyo-ku, Kyoto City Name 1 (294) Tateishi Electric Co., Ltd. 4, Agent 5 Date of amendment order January 26, 1980 6
, Number of inventions increased by amendment 7, Subject of amendment Drawings. 8. Contents of correction Figures 8 to 12 of the drawings will be corrected as shown in the attached sheet. that's all

Claims (1)

[Scope of Claims] A cash deposit machine that is in a state where cash can be accepted only in a required transaction, and that distinguishes and accepts the cash that is inserted into the input slot at this time, and that counts a specified amount of cash and outputs the cash from the discharge slot. A cash dispensing machine that dispenses cash, a key for entering the transaction amount for deposits or withdrawals, a key for setting up a compound transaction, and a payment balance storage device for storing the amount to be paid for each transaction in the compound transaction. The amount accepted by the deposit machine is added to the remaining payment storage, the withdrawal amount of each transaction is added to the remaining payment storage, the deposited amount of each transaction is subtracted from the remaining payment storage, and the compound transaction is released. A compound transaction processing method in a transaction processing device, sometimes in which the amount of the remaining payment storage device is discharged by a cash dispensing machine.