JPH10241016A - Transaction continuation processing method against money dispensing transaction fault in automatic teller machine - Google Patents
Transaction continuation processing method against money dispensing transaction fault in automatic teller machineInfo
- Publication number
- JPH10241016A JPH10241016A JP4810997A JP4810997A JPH10241016A JP H10241016 A JPH10241016 A JP H10241016A JP 4810997 A JP4810997 A JP 4810997A JP 4810997 A JP4810997 A JP 4810997A JP H10241016 A JPH10241016 A JP H10241016A
- Authority
- JP
- Japan
- Prior art keywords
- transaction
- atm
- user
- data
- fault
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000003672 processing method Methods 0.000 title claims description 4
- 238000012544 monitoring process Methods 0.000 claims abstract description 19
- 238000000034 method Methods 0.000 claims abstract description 11
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims 1
- 239000010931 gold Substances 0.000 claims 1
- 229910052737 gold Inorganic materials 0.000 claims 1
- 238000012545 processing Methods 0.000 abstract description 7
- 238000012790 confirmation Methods 0.000 abstract 1
- 238000012546 transfer Methods 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 238000003780 insertion Methods 0.000 description 2
- 230000037431 insertion Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】本発明は、金融機関等に設置
される自動取引装置（以下ＡＴＭとする）における出金
取引障害時の取引継続処理方法に関する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction continuation processing method when a dispensing transaction fails in an automatic transaction apparatus (hereinafter referred to as ATM) installed in a financial institution or the like.
【０００２】[0002]
【従来の技術】ＡＴＭにおいて、現状行われている出金
取引処理は以下の如くである。すなわち、ＡＴＭは、利
用者がカードを挿入し出金取引を指定すると、利用者に
暗証番号を入力させて本人確認を行い、さらに払出し金
額を入力させ、ホストとのやりとりで当該払出し金額等
の妥当性を確認したところで、挿入されたカードの放出
と現金の払出しを行う。ここで、カードの放出を先に行
い、利用者がカードを受け取った後に現金を払出すのが
通常の手順である。これは、現金のみ受け取り、カード
を取り忘れるケースを防ぐためである。2. Description of the Related Art Withdrawal transaction processing currently performed in ATMs is as follows. That is, when a user inserts a card and designates a withdrawal transaction, the ATM prompts the user to enter a personal identification number to confirm the identity of the user, further inputs the amount to be paid out, and exchanges the amount with the host with the host. When the validity is confirmed, the inserted card is released and cash is paid out. Here, the normal procedure is to release the card first, and to pay out cash after the user receives the card. This is to prevent a case where only cash is received and the card is forgotten.
【０００３】従来、上記出金取引において、カード放出
ジャム等の障害が発生した場合、取引を継続する手だて
はなく、処理を中止していた。[0003] Conventionally, in the above-mentioned dispensing transaction, when a failure such as a card ejection jam occurs, there is no way to continue the transaction, but the processing is stopped.
【０００４】[0004]
【発明が解決しようとする課題】上記のように、従来の
出金取引においては、出金取引障害時の取引継続処理方
法は無く、特に出金取引中にカード放出に障害が発生す
ると、利用者はカードが無いために、他のＡＴＭにおい
て再取引することもできなく、係員到着を待たなければ
現金を受け取ることはできないため、非常に不便であっ
た。As described above, in the conventional withdrawal transaction, there is no transaction continuation processing method when the withdrawal transaction fails. Since the person had no card, he could not re-transfer at another ATM and could not receive cash without waiting for the attendant to arrive, which was very inconvenient.
【０００５】本発明は、以上の問題点に鑑み、出金取引
において障害が発生しても無人で利用者に払出し現金を
渡す方法を得て、ＡＴＭの障害時のサービス性を向上す
ることを目的とする。SUMMARY OF THE INVENTION In view of the above problems, the present invention is to improve the serviceability in the event of a failure of an ATM by obtaining a method of handing out cash to a user unattended even if a failure occurs in a withdrawal transaction. Aim.
【０００６】[0006]
【課題を解決するための手段】上記目的を達成するた
め、本発明は、他のＡＴＭが中断された出金取引を引き
継いで処理するようにする。また、このような引き継ぎ
処理はカード無しでも行えるようにする。すなわち、本
発明は、第１のＡＴＭで出金取引に障害が発生して取引
が中断した場合、第１のＡＴＭは障害データおよび取引
データを監視端末へ送信し、前記監視端末より第２のＡ
ＴＭに第１のＡＴＭの取引データを送信すると、前記第
２のＡＴＭは利用者の本人確認処理を実行し、第２のＡ
ＴＭが利用者が前記出金取引に係わる本人であることを
確認すると、監視端末より受信した取引データに従って
出金取引を実行することを特徴とする。SUMMARY OF THE INVENTION To achieve the above object, the present invention allows another ATM to take over and process interrupted withdrawal transactions. Further, such a handover process can be performed without a card. That is, according to the present invention, when a failure occurs in the withdrawal transaction at the first ATM and the transaction is interrupted, the first ATM transmits the failure data and the transaction data to the monitoring terminal, and the second ATM transmits the failure data and the transaction data to the monitoring terminal. A
When the transaction data of the first ATM is transmitted to the TM, the second ATM executes a user identification process, and executes the second ATM.
When the TM confirms that the user is the principal involved in the withdrawal transaction, the TM executes the withdrawal transaction in accordance with the transaction data received from the monitoring terminal.
【０００７】[0007]
【発明の実施の形態】以下に本発明の実施の形態を図面
を用いて説明する。図１は本発明の一実施の形態を実施
するＡＴＭ運用システムの概略図である。図において、
１はホストコンピュータ、２はＡＴＭ監視センタにおい
て係員が操作する監視端末、３は第１のＡＴＭ、４は第
２のＡＴＭ、５はカード挿入口、６は紙幣取扱部であ
る。Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a schematic diagram of an ATM operation system for implementing an embodiment of the present invention. In the figure,
1 is a host computer, 2 is a monitoring terminal operated by an attendant at an ATM monitoring center, 3 is a first ATM, 4 is a second ATM, 5 is a card slot, and 6 is a bill handling unit.
【０００８】第１のＡＴＭ３と第２のＡＴＭ４はネット
ワークを介してホストコンピュータおよびＡＴＭ監視セ
ンターの監視端末と接続されている。図２〜４は本実施
の形態の作用を示すフローチャートであり、図２は第１
のＡＴＭ３における処理フロー、図３は監視端末６にお
ける係員の対応手順、図４は第２のＡＴＭ４における処
理フローを示す。The first ATM 3 and the second ATM 4 are connected to a host computer and a monitoring terminal of an ATM monitoring center via a network. 2 to 4 are flowcharts showing the operation of the present embodiment, and FIG.
3 shows a processing flow in the ATM 3 of the monitoring terminal 6, and FIG. 4 shows a processing flow in the second ATM 4.
【０００９】ＡＴＭにおいて利用者が出金取引を行う場
合、利用者は図１の第１のＡＴＭ３のカード挿入口５よ
りカードを挿入し、取引を開始する。第１のＡＴＭ３で
はカードの読み取りおよび暗証番号のチェック（ＳＡ
１）と、入力した払出し金額の妥当性がチェックされ
（ＳＡ２）、問題なければカードの放出（ＳＡ３）およ
び紙幣の払出し（ＳＡ４）を行う。この時、カードジャ
ム等のハード障害が発生した場合、障害データおよび取
引データをＡＴＭ監視センタの監視端末２に送信する
（ＳＡ５）。ここで取引データとは、利用者の挿入した
カードから読み取った読み取りデータと利用者が入力し
た入力データである。一方、利用者は、備え付けの電話
でＡＴＭ監視センタの係員に連絡をとる。When a user makes a withdrawal transaction at an ATM, the user inserts a card through the card insertion slot 5 of the first ATM 3 in FIG. 1 and starts a transaction. In the first ATM 3, the card is read and the password is checked (SA
1), the validity of the input payout amount is checked (SA2), and if there is no problem, the card is released (SA3) and the bill is paid out (SA4). At this time, if a hardware failure such as a card jam occurs, the failure data and the transaction data are transmitted to the monitoring terminal 2 of the ATM monitoring center (SA5). Here, the transaction data is read data read from the card inserted by the user and input data input by the user. On the other hand, the user contacts a person in charge of the ATM monitoring center with the provided telephone.
【００１０】ＡＴＭ監視センタの監視端末２では、上記
障害データおよび取引データを受信すると、端末画面上
に障害内容および取引内容等を表示する。ＡＴＭ監視セ
ンタの係員は、利用者からの上記電話連絡を受けて、管
理端末上に表示された内容等と照らしながら、相手が本
人であることを確認し（ＳＢ１）、第１のＡＴＭ３が故
障となっていることを確認する（ＳＢ２）。続いて、監
視端末２により同一営業場所に第２のＡＴＭ４が空いて
いることを確認すると、利用者に第２のＡＴＭ４に移る
ように指示する。そして、係員は監視端末２を操作して
同監視端末２より第２のＡＴＭ４へリモートコマンド指
示電文を送信する（ＳＢ３）。The monitoring terminal 2 of the ATM monitoring center, upon receiving the trouble data and the transaction data, displays the trouble contents and the transaction contents on the terminal screen. Upon receiving the telephone call from the user, the ATM monitoring center clerk confirms that the other party is himself (SB1) while illuminating the contents displayed on the management terminal (SB1), and the first ATM 3 fails. Is confirmed (SB2). Subsequently, when the monitoring terminal 2 confirms that the second ATM 4 is vacant in the same business place, it instructs the user to move to the second ATM 4. Then, the clerk operates the monitoring terminal 2 to transmit a remote command instruction message from the monitoring terminal 2 to the second ATM 4 (SB3).
【００１１】第２のＡＴＭ４では、監視端末２からのリ
モートコマンド指示電文を受信する（ＳＣ１）と、暗証
番号入力画面を表示する（ＳＣ２）。利用者は、この表
示に従って第２のＡＴＭ４に暗証番号を入力する。第２
のＡＴＭ４は入力された暗証番号をチェックし、正しけ
ればリモートコマンド指示電文で受け取った第１のＡＴ
Ｍ３での取引データにもとづいて、紙幣取扱部６より現
金の払出しを行う（ＳＣ３）。When the second ATM 4 receives a remote command instruction message from the monitoring terminal 2 (SC1), it displays a password input screen (SC2). The user inputs a password into the second ATM 4 according to the display. Second
ATM 4 checks the input password and, if correct, the first AT received in the remote command instruction message.
Cash is paid out from the bill handling unit 6 based on the transaction data in M3 (SC3).
【００１２】以上により、カードが第１のＡＴＭ３に取
り込まれたままの状態で、第２のＡＴＭ４で取引が引き
継がれ、利用者は第２のＡＴＭ４より即時現金を受け取
ることができる。[0012] As described above, the transaction is taken over by the second ATM 4 with the card being taken into the first ATM 3, and the user can receive cash immediately from the second ATM 4.
【００１３】[0013]
【発明の効果】以上詳細に説明した如く、本発明によれ
ば、第１のＡＴＭで出金取引に障害が発生して取引が中
断した場合、第１のＡＴＭは障害データおよび取引デー
タを監視端末へ送信し、前記監視端末より第２のＡＴＭ
に第１のＡＴＭの取引データを送信すると、前記第２の
ＡＴＭは利用者の本人確認処理を実行し、第２のＡＴＭ
が利用者が前記出金取引に係わる本人であることを確認
すると、監視端末より受信した取引データに従って出金
取引を実行するので、他のＡＴＭが中断された出金取引
を引き継いで処理することができる。As described above in detail, according to the present invention, when a failure occurs in the withdrawal transaction in the first ATM and the transaction is interrupted, the first ATM monitors the failure data and the transaction data. A second ATM from the monitoring terminal
When the second ATM transmits transaction data of the first ATM to the second ATM, the second ATM executes a user identification process,
Confirms that the user is the principal involved in the withdrawal transaction, executes the withdrawal transaction in accordance with the transaction data received from the monitoring terminal, so that another ATM can take over the interrupted withdrawal transaction and process it. Can be.
【００１４】これにより、出金取引において障害が発生
しても即時自動で利用者に払出し現金を渡すことが可能
となり、利用者は係員の到着を待つことなく現金を受け
取ることができ、ＡＴＭの障害時のサービス性が格段に
向上するという効果がある。なお、本発明によれば、上
述した如く障害になった出金取引の取引データが第２の
ＡＴＭに引き継がれるため、第２のＡＴＭにおける出金
取引の引き継ぎ処理は、カード無しで行うことができ
る。したがって、第１のＡＴＭにカードが取り込まれた
ままでも、利用者は係員の到着を待つことなく現金を受
け取ることができる。[0014] Thus, even if a failure occurs in the withdrawal transaction, it is possible to automatically and immediately hand out the cash to be paid to the user, and the user can receive the cash without waiting for the arrival of the attendant, and There is an effect that serviceability at the time of failure is significantly improved. According to the present invention, as described above, since the transaction data of the dispensing transaction that has become an obstacle is transferred to the second ATM, the transfer process of the dispensing transaction in the second ATM can be performed without a card. it can. Therefore, even if the card is taken into the first ATM, the user can receive the cash without waiting for the attendant to arrive.
【００１５】さらに、本発明によれば、障害になった出
金取引の取引データが第２のＡＴＭに引き継がれるた
め、暗証番号等の本人確認データを入力する以外は第２
のＡＴＭにおいて取引データをもう一度入力し直す必要
がなく、操作の負担が軽減されるとともに、この引き継
ぎ取引による第２のＡＴＭの運用効率の低下を最小限に
するという効果がある。Further, according to the present invention, since the transaction data of the dispensing transaction in which the obstruction has occurred is carried over to the second ATM, the second ATM except for inputting personal identification data such as a personal identification number.
This eliminates the need to re-enter transaction data in the ATM, thereby reducing the operation load and minimizing the decrease in the operation efficiency of the second ATM due to the transfer transaction.
【図１】本発明の一実施の形態を実施するＡＴＭ運用シ
ステムの概略図である。FIG. 1 is a schematic diagram of an ATM operation system that implements an embodiment of the present invention.
【図２】本発明の一実施の形態の第１のＡＴＭにおける
処理フローを示すフローチャートである。FIG. 2 is a flowchart showing a processing flow in a first ATM according to one embodiment of the present invention.
【図３】本発明の一実施の形態の監視端末における係員
の対応手順を示すフローチャートである。FIG. 3 is a flowchart illustrating a procedure of a staff member in the monitoring terminal according to the embodiment of the present invention;
【図４】本発明の一実施の形態の第２のＡＴＭにおける
処理フローを示すフローチャートである。FIG. 4 is a flowchart showing a processing flow in a second ATM according to the embodiment of the present invention.
１ ホストコンピュータ ２ 監視端末 ３ 第１のＡＴＭ ４ 第２のＡＴＭ ５ カード挿入口 ６ 紙幣取扱部 DESCRIPTION OF SYMBOLS 1 Host computer 2 Monitoring terminal 3 1st ATM 4 2nd ATM 5 Card insertion slot 6 Bill handling part
Claims (1)
発生して取引が中断した場合、 第１の自動取引装置は障害データおよび取引データを監
視端末へ送信し、 前記監視端末より第２の自動取引装置に第１の自動取引
装置の取引データを送信すると、 前記第２の自動取引装置は利用者の本人確認処理を実行
し、 第２の自動取引装置が利用者が前記出金取引に係わる本
人であることを確認すると、監視端末より受信した取引
データに従って出金取引を実行することを特徴とする自
動取引装置における出金取引障害時の取引継続処理方
法。When a failure occurs in a withdrawal transaction in the first automatic transaction device and the transaction is interrupted, the first automatic transaction device transmits the failure data and the transaction data to a monitoring terminal, and When the transaction data of the first automatic transaction device is transmitted to the second automatic transaction device, the second automatic transaction device executes a user identification process, and the second automatic transaction device outputs A transaction continuation processing method at the time of a failure in a withdrawal transaction in an automatic transaction apparatus, wherein the transaction is executed in accordance with the transaction data received from the monitoring terminal when it is confirmed that the person is involved in the gold transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP4810997A JPH10241016A (en) | 1997-03-03 | 1997-03-03 | Transaction continuation processing method against money dispensing transaction fault in automatic teller machine |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP4810997A JPH10241016A (en) | 1997-03-03 | 1997-03-03 | Transaction continuation processing method against money dispensing transaction fault in automatic teller machine |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH10241016A true JPH10241016A (en) | 1998-09-11 |
Family
ID=12794157
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP4810997A Pending JPH10241016A (en) | 1997-03-03 | 1997-03-03 | Transaction continuation processing method against money dispensing transaction fault in automatic teller machine |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH10241016A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2009025889A (en) * | 2007-07-17 | 2009-02-05 | Hitachi Omron Terminal Solutions Corp | Failure monitoring system for automatic contract machine |
| WO2012093457A1 (en) * | 2011-01-05 | 2012-07-12 | 日本電気株式会社 | Relay device, atm system, information relay method, and program |
| CN108109285A (en) * | 2017-12-14 | 2018-06-01 | 深圳怡化电脑股份有限公司 | Deposit business card paper money processing method, financial terminal and computer readable storage medium |
-
1997
- 1997-03-03 JP JP4810997A patent/JPH10241016A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2009025889A (en) * | 2007-07-17 | 2009-02-05 | Hitachi Omron Terminal Solutions Corp | Failure monitoring system for automatic contract machine |
| WO2012093457A1 (en) * | 2011-01-05 | 2012-07-12 | 日本電気株式会社 | Relay device, atm system, information relay method, and program |
| JP5979719B2 (en) * | 2011-01-05 | 2016-08-31 | 日本電気株式会社 | ATM system and method |
| CN108109285A (en) * | 2017-12-14 | 2018-06-01 | 深圳怡化电脑股份有限公司 | Deposit business card paper money processing method, financial terminal and computer readable storage medium |
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