JP4617776B2 - Automatic transaction apparatus and automatic transaction system - Google Patents

Description

The present invention relates to an automatic transaction apparatus such as an automatic teller machine that is installed in a financial institution or the like and automatically performs a transaction with a customer, and an automatic transaction system .

In recent years, with the rationalization of financial institutions such as banks, postal service companies, convenience stores, etc. (referred to as financial institutions, etc.), unmanned stores with only automatic teller machines are increasing.
In addition, elderly people are not good at dealings with automated teller machines, and mainly conduct transactions at the reception desk of financial institutions, etc. The current situation is very crowded.

In order to improve the current situation, the applicant conducted an operation observation of a transaction operation in an automatic teller machine by an elderly person.
According to this, as a phenomenon peculiar to the elderly,
(1) When an elderly person inserts or receives a transaction medium such as a transaction card or banknote, the operation speed is often slow and a timeout occurs.

(2) Elderly people take time to understand the display content displayed on the transaction screen and often time out.
In such a case, it has been measured through operation observation that the timeout can be prevented by increasing the timeout time to about 1.5 times the normal time.
(3) When the transaction screen is switched, an elderly person may not be aware of the switching and may perform a timeout or an erroneous operation. For example, when switching from a PIN number input screen for withdrawal transactions to a withdrawal amount input screen that has a similar layout, such as a numeric keypad, the withdrawal amount is not noticed when the screen is not recognized and a time-out occurs or the PIN number is mistaken. There are cases where the password is re-entered on the input screen.

(4) An elderly person may make an erroneous input such as pressing an adjacent button when a character button or an operation button is pressed due to a decrease in visual acuity or trembling of a fingertip.
(5) Elderly people tend to attract attention to voice guidance rather than guidance words displayed on the transaction screen.
(6) Since elderly people are likely to be attracted attention to voice guidance, if a voice guidance for supporting the operation content is played when a certain time has elapsed after the transaction screen is displayed, there is a tendency for erroneous operations to occur. For example, if input is not completed even after 30 seconds on the password input screen, if the voice guidance such as “Please enter the password” is played, the first password will be entered even though it has been entered halfway. There is a case where the user entered a password from, and the operation was incorrect.

A conventional automatic teller machine having guidance guidance that guides the operation method by voice for such a phenomenon peculiar to the elderly is a transaction screen displaying a guidance word of transaction operation in transaction, a character button, an operation button, etc. If a time-out occurs in the normal transaction screen for elderly people who are not accustomed to the transaction operation of the automatic teller machine, the next transaction screen will be displayed. Is switched to a confirmation screen displaying operation buttons such as a confirmation key and a correction key to enable selection of processing after a timeout (see, for example, Patent Document 1).
JP 2001-266219 A (mainly, page 4, paragraphs 0035 to 0044, FIG. 3)

However, in the conventional technology described above, since a confirmation screen is displayed when a timeout occurs on a normal transaction screen, it is possible to deal with elderly people who need time to understand transaction operations and transaction screen display contents. There is a problem that time-outs frequently occur in transactions, and as a result, time is required for transaction processing, and the operating efficiency of the automatic teller machine is lowered.
In addition, when switching the transaction screen due to the end of input, etc., the next screen is switched instantly, so in transaction operations by elderly people who may not notice the switching of the transaction screen, due to timeout or misunderstanding There is a problem that erroneous operations are likely to occur, and as a result, transaction processing takes time, and the operating efficiency of the automatic teller machine is lowered.

Furthermore, since a voice guidance for supporting the operation content is played when a certain time has passed by the voice guidance, it is easy for an elderly person who is easy to attract attention to the voice guidance to cause an erroneous operation. In short, there is a problem of reducing the operating efficiency of the automatic teller machine.
The present invention has been made to solve the above problems, and an object of the present invention is to provide means for improving the operating efficiency of an automatic transaction apparatus by shortening the transaction processing time even in transaction operations by elderly people. And

In order to solve the above-mentioned problems, the present invention provides a display means for displaying a transaction screen in which one or more character buttons and operation buttons are displayed, and input by the character buttons and the operation buttons. Elderly person time-out time storage for storing the time-out time of the transaction operation in the elderly mode as the time-out time for the elderly in an automatic transaction apparatus having an input receiving means for accepting and card information reading means for reading the card information of the customer's transaction card And a time-out number writing means for accumulating and writing the number of times-out in the card information when a time-out occurs during the transaction with the customer, and the card information read by the card information reading means. Read out the number of timeouts, and when the number of timeouts exceeds the specified number, Recognizing elderly mode recognition means and transactions by the elderly mode, when the elderly mode recognition means recognizes the transaction by the elderly mode transactions, elderly timeout time from the elderly-out time storage means And a time-out time storing means for storing the time-out time for the elderly as a time-out time for the transaction operation in the transaction.

  As described above, according to the present invention, when the main control unit of the automatic transaction apparatus recognizes the transaction mode as the elderly person mode, the timeout time of each transaction screen is changed to the elderly person timeout time and set to a longer time than usual. By doing so, the number of time-outs in transactions with elderly people who need time to understand transaction operations and transaction screen display can be reduced, resulting in a reduction in transaction processing time and The effect that operational efficiency can be improved is acquired.

  Embodiments of an automatic teller machine according to the present invention will be described below with reference to the drawings.

FIG. 1 is a flowchart showing an elderly transaction process according to the first embodiment, FIG. 2 is a block diagram showing an automatic teller machine according to the first embodiment, and FIG. 3 is a block diagram showing a configuration of a storage unit according to the first embodiment.
In FIG. 2, reference numeral 1 denotes an automatic teller machine as an automatic transaction apparatus, which is installed in a sales office such as a financial institution or a store such as a post office, and automatically performs cash transactions with customers.
Reference numeral 2 denotes a host computer installed in a center of a financial institution, which is connected to an automated teller machine 1 installed in a store via a communication line such as a dedicated line or a telephone line, and an account of a customer account. Customer information such as a number, its PIN, and account balance is held as a customer file to manage customer accounts.

Reference numeral 3 denotes a main control unit of the automatic teller machine 1, which is connected to the host computer 2 via the communication line by the communication unit 4, and controls each part in the automatic teller machine 1 to execute transaction processing and the like. At the same time, it controls data communication and the like.
Reference numeral 5 denotes a clock unit, which includes a frequency generator such as a crystal oscillator and a memory that stores a calendar, and refers to a function for counting time based on the frequency generated by the frequency generator and the calendar. Has a function of reading out.

A storage unit 6 stores a program executed by the main control unit 3, various data used for the program, processing results by the main control unit 3, and the like.
Reference numeral 7 denotes a customer operation unit, which is composed of a combination of a display unit 7a having a display screen such as a CRT or LCD and an input unit 7b having a position signal detecting means such as a touch panel. In addition to functioning as a display means for displaying transaction screens such as various selection screens, input screens, and screens for prompting the customer's treatment, which are composed of guidance words, character buttons and operation buttons, the input unit 7b is a screen of the display unit 7a It functions as an input receiving means for detecting the position touched by the character button or the operation button displayed on the screen and receiving an input from the customer via the operation button or the like.

A card handling unit 8 has a function of reading and writing card information such as customer account information (account number, etc.) recorded on the magnetic stripe of the transaction card as a transaction medium such as an inserted customer cash card. It has a function to print out transaction statement slips.
9 is a bankbook handling unit, which has a function of reading and writing bankbook information such as customer account information (account number, etc.) recorded in the magnetic stripe of the bankbook as an inserted transaction medium, and the transaction contents etc. of the customer It has a function to book.

Reference numeral 10 denotes a bill depositing / dispensing unit which has a function of receiving a bill as a transaction medium input by a customer, discriminating and counting the bill, storing it, counting a bill to be paid to the customer, and delivering it to the customer.
A coin deposit / withdrawal unit 11 has a function of receiving a coin as a transaction medium input by a customer, discriminating and counting the coin, storing it, counting a coin paid to the customer, and delivering it to the customer.
Reference numeral 12 denotes a customer detection unit, which includes an optical proximity sensor, and has a function of detecting the approach and withdrawal of the customer from the automatic teller machine 1 and transferring the signal to the main control unit 3. Yes.

Reference numeral 13 denotes a handset, which is a receiver-like device having a sound collection function such as a microphone and a sound generation function such as a speaker, and converts the voice data sent by the control unit 3 into a voice by the voice generation function to the outside. It functions as a voice transmission means for transmitting to the customer in an inaudible state.
Reference numeral 14 denotes an external speaker, which functions as a voice transmission unit that converts voice data sent from the control unit 3 into voice and transmits it to the customer in a state where it can be heard outside.

In the automatic teller machine 1 according to the present embodiment, an elderly person mode for elderly people is set as a transaction mode with a customer in addition to a normal mode in which transactions are performed in the same manner as in the past.
Therefore, the storage unit 6 shown in FIG. 3 recognizes that the transaction is a normal transaction processing application program (AP) having a function of performing various transactions with the customer in advance in the normal mode, and the transaction in the elderly mode. The elderly person transaction processing AP having the function of executing the elderly person mode transaction processing of this embodiment and the screen composition AP having the function of synthesizing the transaction screen in the transaction operation based on the screen data file to be described later. A business execution program is stored, and these AP and main control unit 3 form normal transaction processing execution means, elderly transaction processing execution means, and screen composition means as hardware of the automatic teller machine 1 of this embodiment. Each step executed by the main control unit 3 and the business execution program forms various functional means as hardware of this embodiment. It is.

  In addition, the storage unit 6 includes button names and tables of display parts such as an input content display column for displaying a screen background of each transaction screen, character buttons and operation buttons, input amounts, and the like as data used by each of the above functional units. Corresponding to the text data of the title, the part illustration consisting of the shape and display color of the display frame, the guidance wording data for displaying the guidance word of the transaction operation on the transaction screen, and the transaction screens of the normal mode and the elderly mode A transaction screen configuration table that describes the screen configuration consisting of the screen background of each transaction screen set in advance, guidance text data, the type of required display components and the coordinate area on the screen that displays this, etc. as a screen data file Stored.

  Furthermore, the storage unit 6 stores a normal timeout time that is a timeout time of each transaction screen in the transaction operation in the normal mode set in advance and a timeout time of each transaction screen in the transaction operation of the elderly in the elderly person mode, that is, normal Elderly person timeout time, etc., which is longer than the timeout time, for example, about 1.5 times, is stored as a timeout data file.

Furthermore, the storage unit 6 has a time-out time storage area for storing a time-out time setting for each transaction screen used during one transaction process.
The operation of the above configuration will be described.
The operation when the main control unit 3 of the automatic teller machine 1 synthesizes the transaction screen by the screen synthesis AP is executed as follows.

  When the main control unit 3 displays a transaction screen (for example, the password input screen shown in FIG. 4), the main control unit 3 searches the transaction screen configuration table of the screen data file stored in the storage unit 6 and applies. The screen structure of the transaction screen (password input screen) to be read is read out, the screen background described in this screen structure, the part illustration of the display component, and the guidance wording data are read out from the screen data files, respectively, and are described in the screen structure. The screen composition information attached with the coordinate area is handed over to the screen composition AP, and the text data of the button name and title name of the display component corresponding to the coordinate area on the screen and the shape of the display frame are input reception information as the storage unit 6. (If the input acceptance information has already been saved, it is overwritten and saved.)

  The screen composition AP that has received the screen configuration information arranges the guidance message of the guidance message data of the screen configuration information (“Please enter the password”) in the guidance message display unit 21 of the screen background, and the component illustration ( Each character button on the numeric keypad, operation buttons for “correction” and “cancel”, and the input contents display field for the PIN number are arranged according to the coordinate area of the screen configuration information to synthesize the transaction screen display data, and this is the main control Transfer to part 3.

The main control unit 3 that has received the transfer of the display data of the transaction screen sends it to the display unit 7a and displays the combined transaction screen on the screen.
The operation when the main control unit 3 accepts the input by the normal transaction processing AP or the elderly transaction processing AP and recognizes the input content by the transaction screen displayed in this way is executed as follows.

  When the customer touches the character button or operation button from the transaction screen (for example, the password input screen shown in FIG. 4) displayed on the screen of the display unit 7a and presses the button, the main control unit 3 inputs the input unit. The coordinate position on the screen pressed by the position signal from the touch panel 7b is read, the input reception information temporarily stored in the storage unit 6 is searched based on the coordinate position, and the coordinate area including the corresponding coordinate position is searched. The text data of the button name is read out, and the input by the pressed button is accepted based on the text data and the content is recognized.

  For example, when the customer selects and presses “1” with the character button, the main control unit 3 searches the input reception information in the storage unit 6 based on the coordinate area read by the position signal from the input unit 7b. The text data “1” of the button name of the corresponding coordinate area is read out, based on this, the input by the character button “1” is accepted, the content is recognized as “1” by the character button, and the text data “1” is It is displayed in the input content display column (since this description is a password input screen, only the number of digits is displayed as a suffix such as “*”).

When the customer selects and presses “correction” with the operation button, the main control unit 3 reads the text data “correction” of the button name based on the coordinate position in the same manner as described above, and operates based on this The input by the button “correction” is received and the content is recognized as “correction” by the operation button, and is used for the determination of the transition destination in the subsequent operation.
As described above, the transaction screen is composed by the screen composition means of the present embodiment, the input is accepted by the character button and the operation button by the input acceptance means, and the steps executed by the main control unit 3 and the business execution program are formed. Recognition of various input contents is executed by a recognition means as a function means.

Below, the elderly person transaction process of a present Example is demonstrated according to the step shown by S using the flowchart shown in FIG.
The operations by the screen composing means, the input receiving means, and the various input content recognizing means are the same as described above, and therefore detailed explanation is omitted in the following description.
A staff member of a financial institution or the like supplies power to each part of the automatic teller machine 1 by turning on the power at the start of business. Thereby, the business execution program stored in the storage unit 6 of the automatic teller machine 1 is automatically started.

S1, When the business execution program is started, the main control unit 3 displays an initial screen such as an energy saving screen synthesized by the screen synthesis unit on the screen of the display unit 7a of the customer operation unit 7.
S2, the main control unit 3 starts waiting in the customer waiting state waiting for the customer detection unit 12 to detect the customer while displaying the initial screen on the display unit 7a, and the customer detection signal is transferred from the customer detection unit 12 Shift to step S3. If the customer detection signal is not transferred, the standby in the customer waiting state is continued.

S3, the main control unit 3 that has detected the customer reads out the normal timeout period from the timeout data file stored in the storage unit 6 and uses this as the timeout period for the transaction operation on each transaction screen. On the other hand, the transaction selection screen shown in FIG. 5 synthesized by the screen synthesis means is displayed on the display unit 7a.
On the transaction selection screen, the guidance message prompting you to press the operation button and “withdrawal” for withdrawal transactions, “deposit” for deposit transactions, “transfer” for transfer transactions, account balance "Balance inquiry" for the balance inquiry transaction to inquire, "Passbook entry" for the transaction data that does not fill transaction data in the passbook, and "Aged mode" for selecting the transaction in the elderly mode Operation buttons with button names etc. displayed.

In this embodiment, the customer selects a transaction in the elderly mode from the transaction selection screen, and presses the operation button for “elderly mode”.
In S4, the main control unit 3 that has received the input by the operation button by the input receiving means and recognized the input content is that the transaction in the elderly mode is selected when the recognized input content is “elderly person mode” by the operation button. It recognizes and transfers to step S5 and performs elderly person transaction processing by elderly person transaction processing AP of a present Example.

  If the recognized input content is input from an operation button other than "Aged mode", such as "Deposit" using the operation button, the normal transaction processing is executed by recognizing that the transaction in the normal mode is selected. To do. Since the operation of the transaction process in this case is the same as in the normal case, the description thereof is omitted. The main control unit 3 that has finished executing the selected normal transaction process ends the transaction process, returns to step S1, and waits for the customer while displaying the initial screen on the screen of the display unit 7a through steps S1 and S2. stand by.

S5, the main control unit 3 recognizing the customer's selection as a transaction in the elderly mode reads out the elderly time-out time from the time-out data file stored in the storage unit 6 and uses this time-out time for the transaction operation on each transaction screen As a result, the time-out time storage area of the storage unit 6 is overwritten and stored.
S6, the main control unit 3 storing the timeout time of each transaction screen displays the elderly transaction selection screen shown in FIG. 6 synthesized by the screen synthesis unit on the display unit 7a.

The elderly transaction selection screen has the same guidance text as the transaction selection screen shown in FIG. 5 and button names such as “Drawer”, “Deposit”, “Transfer”, “Balance Inquiry”, “Entry in Passbook”, etc. And an operation button with the name “Cancel” for canceling the transaction in the elderly mode.
The customer presses the operation button for the desired transaction from the elderly transaction selection screen.

The main control unit 3 that has accepted the input by the operation button by the input receiving unit and recognizes the selected transaction type executes the transaction process selected in step S7, while executing the interrupt process when a timeout occurs. In order to do this, the process waits in a timeout waiting state in which the occurrence of timeout is waited for in step S8.
In step S7, the main control unit 3 that has recognized the input content of the operation button selected by the customer executes transaction processing of the recognized transaction type. In this transaction process, the determination of the timeout when the transaction screen is displayed is determined by the timeout time stored in the timeout storage area of the storage unit 6, that is, the elderly person timeout time. Since other operations such as the procedure are the same as in the normal case, the description thereof is omitted.

The determination of timeout is executed as follows.
For example, when inputting a personal identification number, the main control unit 3 displays a guidance message for prompting the input of the personal identification number synthesized by the screen composition means on the display unit 7a, an input content display field for the personal identification number, and a number for the input. Displays a text button (called numeric keypad) as a button name, and an operation button with “correction” to correct an input error and “cancel” to end the transaction by canceling the input of the PIN. At the same time as the password input screen shown in FIG. 4 is displayed, measurement of the display time of the transaction screen displayed by the clock unit 5 is started.

At this time, the main control unit 3 reads the time-out time of the personal identification number input screen from the time-out time storage area of the storage unit 6 and recognizes this as the specified time.
Then, it is determined that a timeout has occurred when the elapsed display time of the transaction screen measured by the clock unit 5 reaches a specified time.
As described above, when the occurrence of timeout is determined also by the elderly person timeout time, the main control unit 3 waiting in the timeout waiting state in step S8 branches to step S8 in order to execute the interruption process. The same applies to other transaction screens.

When the execution of the selected transaction process is finished without determining the occurrence of timeout, or when the “cancel” operation button displayed on each transaction screen is pressed, the main control unit 3 performs the transaction process. The process returns to step S1 and waits in a customer waiting state while displaying an initial screen on the screen of the display unit 7a through steps S1 and S2.
S8, the main control unit 3, which has been waiting in the timeout waiting state to execute the interrupt processing when it is determined that timeout has occurred, proceeds to step S9 when it is determined that timeout has occurred even by the elderly timeout time . If the occurrence of a timeout is not determined, the standby in the timeout waiting state is continued.

S9, the main control unit 3 that has determined the occurrence of the timeout displays the transaction operation continuation inquiry screen shown in FIG. 7 synthesized by the screen synthesis means on the display unit 7a, and at the same time, displays the transaction screen display time displayed by the clock unit 5. The measurement is started, the time-out time of the transaction operation continuation inquiry screen is read from the time-out time storage area of the storage unit 6, and this is recognized as the specified time.
On the transaction operation continuation inquiry screen, the button name is “Continue” to continue the transaction operation, “Continue” to continue the transaction operation, and “Do not continue” to terminate the transaction by stopping the transaction operation. An operation button is displayed.

The customer presses the “Continue” operation button from the transaction operation continuation inquiry screen when continuing the transaction operation, and the “Do not continue” operation button when canceling the transaction operation and ending the transaction.
S10, the main control part 3 transfers to step S12, when the input by an operation button is received by the input reception means. If the input accepting unit does not accept input from the operation button, that is, if the operation button is not pressed, the process proceeds to step S11.

S11, the main control unit 3 says that the customer has retired when the transaction screen display elapsed time measured by the clock unit 5 reaches a specified time, that is, when the timeout occurs on the transaction operation continuation inquiry screen and a timeout occurs. Determine and shift to step S17. If the specified time has not been reached, the operation waits after the operation button is pressed in steps S10 and S11.
In step S13, the main control unit 3 that has received the input by the operation button by the input receiving unit recognizes the input content, and determines that the transaction operation is continued if the recognized input content is “continue” of the operation button. Migrate to When the recognized input content is “do not continue” of the operation button, it is determined that the transaction is ended, and the process proceeds to step S14.

  S13, the main control unit 3 that has determined that the transaction operation is to be continued is the previous screen of the transaction operation continuation inquiry screen for the continuation of the transaction operation, that is, the transaction screen in which a timeout occurred in step S7 (in the above example, the password input) Screen) is displayed again on the display unit 7a, the transaction operation is continued by returning to the step of the transaction screen in step S7, and the process returns to step S8 to resume waiting in the timeout waiting state.

  S14, the main control unit 3 that has determined to end the transaction checks each part of the automatic teller machine 1 and the presence of banknotes and coins inserted into the customer's transaction medium, that is, transaction cards, passbooks and / or deposit transactions, etc. Is displayed on the display unit 7a, and a receipt request screen displaying a message prompting receipt of the remaining customer's transaction medium synthesized by the screen synthesizing unit is displayed and also remains in the automatic teller machine 1 The customer's transaction medium is discharged from the site.

At the same time, the main control unit 3 starts measuring the display time of the transaction screen displayed by the clock unit 5 and reads the time-out time of the receipt request screen from the time-out time storage area of the storage unit 6 to recognize the specified time.
S15, when the main control unit 3 confirms receipt of the discharged customer's transaction medium, terminates the transaction process, returns to step S1, and displays the initial screen on the screen of the display unit 7a by steps S1 and S2. While waiting for the customer. If the receipt of the customer's transaction medium cannot be confirmed, the process proceeds to step S16.

S16, the main control unit 3 determines that the customer has left when the elapsed display time of the transaction screen measured by the clock unit 5 reaches a specified time, that is, when the timeout occurs on the receipt request screen. The process proceeds to step S17. If the specified time has not been reached, the process waits for receipt of the customer's transaction medium in steps S15 and S16.
In S17, the main control unit 3 that has determined that the customer has left inspects each part of the automatic teller machine 1, and includes the remaining customer transaction media (including the transaction media remaining in the outlet, etc.). Collect in each part or in a collection box (not shown) installed in a lump.

And the main control part 3 complete | finishes transaction processing, returns to step S1, and waits in a customer waiting state, displaying the initial screen on the screen of the display part 7a by step S1, S2.
Note that, in steps S11 and S16, it has been described that it is determined that the customer has left when a timeout occurs on the transaction screen such as the transaction operation continuation inquiry screen, and the timeout occurs. However, when the timeout occurs, the customer detection unit 12 The customer detection signal may be checked to determine whether the customer has left.

  As described above, in the present embodiment, when the main control unit of the automatic teller machine recognizes the transaction mode as the elderly person mode, the timeout time of each transaction screen is changed to the elderly person timeout time, which is longer than usual. By setting the time, it is possible to reduce the number of timeouts in transactions with elderly people who need time to understand transaction operations and transaction screen display contents, resulting in a reduction in transaction processing time and cash The operating efficiency of the automated teller machine can be improved.

In addition, in this embodiment, and displays the transaction operation continue inquiry screen operation button displaying the to continue a transaction operation when a timeout occurs by elderly timeout, continue trading operations selected By redisplaying the transaction screen in which a timeout occurred, the elderly customer can return to the transaction operation of the original transaction screen, preventing the situation where the transaction operation is re-executed from the beginning. The operating efficiency of the automated teller machine can be improved.

FIG. 8 is a block diagram illustrating the configuration of the storage unit according to the second embodiment, and FIG. 9 is a flowchart illustrating elderly transaction processing according to the second embodiment.
In addition, the same part as the said Example 1 attaches | subjects the same code | symbol, and abbreviate | omits the description.
The storage unit 6 of the automatic teller machine 1 according to the present embodiment stores a business execution program and a screen data file similar to those in the first embodiment, and a time-out time storage area is secured as in the first embodiment. The timeout data file configuration is different.

In the timeout data file of the present embodiment, as shown in FIG. 8, the transaction screen timeout time and the transaction indicating the timeout time in the normal mode transaction operation of all transaction screens (including the transaction screen used in the elderly mode). The extension magnification (for example, 1.5) for calculating the elderly person timeout time by extending the screen timeout time is stored.
The operation of the above configuration will be described.

In the following, with reference to the flowchart shown in FIG. 9, according to the steps indicated by SA, the elderly transaction process of the present embodiment will be described by taking a transfer transaction as an example.
The operations by the screen composing means, the input receiving means and the various input content recognizing means are the same as those in the first embodiment, and the detailed explanation is omitted in the following explanation.
Since the operations of steps SA1 and SA2 of the present embodiment are the same as the operations of steps S1 and S2 of the first embodiment, description thereof is omitted.

  SA3, the main control unit 3 that has detected the customer reads the transaction screen time-out time from the time-out data file stored in the storage unit 6, and stores this as the time-out time of the transaction operation on each transaction screen and stores the time-out time in the storage unit 6 While saving in the area, the transaction selection screen is displayed in the same manner as in step S3 of the first embodiment, and the customer presses the “elderly person mode” operation button.

SA4, the main control unit 3 that has accepted the input by the operation button by the input receiving means and recognizes the input content, when the transaction in the normal mode is selected as in step S4 of the first embodiment, the normal transaction processing AP Perform normal transaction processing. In the case of “elderly person mode”, the process proceeds to step SA5, and an elderly person transaction process by an elderly person transaction process AP is executed.
SA5, the main control unit 3 recognizing the customer's selection as a transaction in the elderly mode reads out the transaction screen timeout time and the extension magnification from the timeout data file stored in the storage unit 6, and the transaction screen timeout of each transaction screen Multiply the time by the extension factor to calculate the elderly time-out time.

SA6, the main control unit 3 having calculated the elderly person timeout time, overwrites the time-out time in the time-out time storage area of the storage unit 6 as a time-out time for the transaction operation on each transaction screen and stores it.
SA7, the main control unit 3 storing the time-out time of each transaction screen displays the elderly transaction selection screen in the same manner as in step S6 of the first embodiment, and the customer operates the “transfer” from the elderly transaction selection screen. Press the button.

The main control unit 3 that has accepted the input by the operation button by the input accepting means and recognized the input content as the transfer transaction executes the transaction process (transfer transaction process in the present embodiment) selected in step SA8, while timeout In order to execute the interrupt processing when the error occurs, the process waits in a timeout waiting state waiting for the occurrence of timeout in step SA9.
SA8, the main control unit 3 that has recognized the input content of the operation button selected by the customer as a transfer transaction, executes a transaction process of the transfer transaction. In this case, the timeout determination when the transaction screen is displayed in the transaction process is determined by the elderly person timeout time stored in the timeout storage area, as in the first embodiment. Since other operations such as the procedure are the same as in the normal case, the description thereof is omitted.

The determination of timeout is executed as follows.
For example, when inputting the bank account number, the main control unit 3 prompts the display unit 7a to input the bank account number synthesized by the screen synthesizing means, and an input contents display field for the bank account number and its Numeric keypad for input, "correction" to correct input mistakes, "cancel" to stop the transaction and terminate the transaction, confirm the input contents and go to the next transaction screen The transfer account number input screen shown in FIG. 10 displaying the operation button with the button name “next” for instructing switching is displayed, and at the same time, the display time of the transaction screen displayed by the clock unit 5 is measured. Start.

At this time, the main control unit 3 reads out the time-out time of the transfer account number input screen from the time-out time storage area as in step S7 of the first embodiment, recognizes this as a specified time, and the transaction screen measured by the clock unit 5 It is determined that a timeout has occurred when the display elapsed time of reaches the specified time.
As described above, when the occurrence of timeout is determined also by the elderly person timeout time, the main control unit 3 branches to step SA9 in order to execute the interrupt processing in the same manner as in step S7 of the first embodiment. The same applies to other transaction screens.

SA9, the main control unit 3, which has been waiting in the timeout waiting state to execute the interrupt processing when it is determined that timeout has occurred, proceeds to step SA10 when it is determined that timeout has occurred even by the elderly timeout time. . If the occurrence of a timeout is not determined, the standby in the timeout waiting state is continued.
SA10, the main control unit 3 that has determined the occurrence of the timeout reduced the display data of the transaction operation continuation inquiry screen similar to that shown in FIG. A transaction operation continuation inquiry screen is sent to the display unit 7a and displayed on the front of the transaction screen (transfer account number input screen) in which a timeout has occurred as shown in FIG.

At the same time, the main control unit 3 starts measuring the display time of the transaction screen displayed by the clock unit 5, and the timeout time of the transaction operation continuation inquiry screen from the timeout time storage area in the same manner as in step S9 of the first embodiment. To recognize the specified time.
The customer presses the “Continue” operation button when continuing the transaction operation, and the “Do not continue” operation button when canceling the transaction operation and ending the transaction.

Subsequent operations in steps SA11 to SA13 are the same as the operations in steps S10 to S12 in the first embodiment, and thus the description thereof is omitted.
SA14, the main control unit 3 that has determined to continue the transaction operation hides the transaction operation continuation inquiry screen displayed as a small screen for the continuation of the transaction operation, and the transaction screen (the above-described time-out has occurred) in step SA8. In the example, the transfer account number input screen) is made active to return to the step of the transaction screen in step SA8 to continue the transaction operation, and the process returns to step SA9 to resume waiting in the timeout waiting state.

Subsequent operations in steps SA15 to SA18 are the same as the operations in steps S14 to S17 in the first embodiment, and a description thereof will be omitted.
In the above-described steps SA5 and SA6, the elderly time-out time is calculated and stored in the storage unit 6 in advance. However, in step SA5, only the extension magnification is read out and temporarily stored in the storage unit 6, and the transaction screen is displayed. The calculation result may be recognized as the specified time by multiplying the time-out time read out when recognizing the specified time in each step to be displayed and the extension factor temporarily stored.

As described above, in this embodiment, in addition to the same effects as in Example 1, displayed transaction operations continue operation button to continue the transaction operation when a timeout occurs by elderly timeout By displaying the inquiry screen as a small screen overlaid on the transaction screen where the timeout occurred, elderly customers can easily see which step the timeout occurred by partially viewing the original transaction screen It is possible to understand, and if you press the continue operation button, you can return to the transaction operation on the original transaction screen, and prevent the situation where transaction operation is restarted from the beginning to improve the operating efficiency of the automatic teller machine Can do.

Thus, if it can be easily understood that it is different from other screens, the display method of the transaction operation continuation inquiry screen is not limited to the above, and any display method may be used.
For example, a balloon may be provided and displayed as shown in FIG.
FIG. 12 is a display example showing another form of the transaction operation continuation inquiry screen of the second embodiment.
As shown in Fig. 12, the transaction operation continuation inquiry screen of this form is attached to the text buttons and operation buttons of the transaction screen (transfer account number input screen in this form) that has timed out by blowing out Has been.

Such a transaction operation continuation inquiry screen is displayed as follows.
That is, comment text data is added to the screen data file of the storage unit 6 shown in FIG. 8, an illustration of the balloon when displaying the comment text data is added to the part illustration, and the comment text is displayed in the transaction screen configuration table. The coordinate area on the screen and the type of illustration of the balloon are added and stored. When the screen composition means synthesizes the transaction operation continuation inquiry screen, the main control unit 3 reads the added data, Is added to the screen composition information of the original transaction screen (in this embodiment, the transfer account number input screen) and delivered to the screen composition AP. Display data in which commentary words are added to the original transaction screen that is the operation continuation inquiry screen is synthesized and transferred to the main control unit 3.

  Then, the main control unit 3 displays the transferred display data in step SA10. At this time, if the customer continues the transaction operation, press the “Next” operation button on the original transaction screen, or press the “Cancel” operation button on the original transaction screen to stop the transaction operation and end the transaction. To do. Further, in step SA14, the commentary words attached to the character buttons and the operation buttons are hidden, and the transaction operation on the original transaction screen is continued.

In this way, it is possible to obtain the same effect as described above, and to support the transaction operation of the elderly customer.
In this case, as shown in FIG. 12, if the commentary word attached with the balloon is displayed so as not to overlap the character button or the operation button, the transaction operation with the commentary word attached becomes possible. Customer transaction operations can be further effectively supported.

  In the first embodiment and the second embodiment, it has been described that the two transaction modes of the normal mode and the elderly person mode are executed by different transaction processes. However, the transaction in the normal mode is selected in step S4 or SA4. May be shifted to step S7 or SA8. In this way, even if a timeout occurs in the normal mode, the transaction operation continuation inquiry screen can be displayed, and even in the normal mode, the operation efficiency of the automated teller machine can be prevented by preventing the transaction operation from being restarted from the beginning. Can be improved.

FIG. 13 is a block diagram illustrating a configuration of the storage unit according to the third embodiment, and FIG. 14 is a flowchart illustrating elderly transaction processing according to the third embodiment.
In addition, the same part as the said Example 1 and Example 2 attaches | subjects the same code | symbol, and abbreviate | omits the description.
In the customer transaction card of the present embodiment, an elderly person mode identifier is added to the card information to indicate that the customer is a person who wants or is a candidate for the transaction in the elderly person mode.

Writing of the elderly person mode identifier to the transaction card is performed by a financial institution or the like at the time of opening an account or at a reception desk or the like in response to a customer request.
Further, the storage unit 6 of the automatic teller machine 1 according to the present embodiment stores a screen data file similar to that in the first embodiment and a time-out data file including the transaction screen time-out time in the second embodiment. However, the configuration of the business execution program is different.

  As shown in FIG. 13, the business execution program of the present embodiment displays the transaction screen (currently displayed) on the normal transaction processing AP similar to the first embodiment, the elderly transaction processing AP and the screen composition AP of the present embodiment. A screen link scroll AP having a function of linking a transaction screen) and a transaction screen (next transaction screen) to be displayed next and a function of scrolling the linked screen on the screen of the display unit 7a is added. The AP and the main control unit 3 serve as hardware for the automatic teller machine 1 according to the present embodiment as normal transaction processing execution means, elderly transaction processing execution means, screen composition means, linked screen creation means, and screen scrolling means. Each function executed by the main control unit 3 and the business execution program forms various functional means as hardware of this embodiment.

The operation of the above configuration will be described.
The operation when the main control unit 3 of the automatic teller machine 1 switches the current transaction screen to the next transaction screen by the screen connection scroll AP is executed as follows.
When the main control unit 3 switches the current transaction screen (for example, the password input screen shown in FIG. 4 described in the first embodiment) to the next transaction screen (for example, the withdrawal amount input screen shown in FIG. 15), the main control unit 3 When displaying the current transaction screen, the display data is temporarily stored in the storage unit 6 as the current screen display data, and when switching to the next transaction screen, the next transaction is performed from the image synthesizing means in the same manner as described in the first embodiment. Transfer of screen display data (referred to as next screen display data).

Receiving the transfer of the next screen display data, the main control unit 3 reads the current screen display data temporarily stored in the storage unit 6 and delivers the transferred next screen display data and the current screen display data to the screen connection scroll AP.
The screen link scroll AP that has received the current screen display data and the next screen display data is described in two arrays by arranging the left end coordinate sequence of the next screen display data adjacent to the right end coordinate sequence of the current screen display data. Each of the displayed data is rewritten into one array that is a combination of the two, and the current screen display data and the next screen display data are concatenated to create one concatenated screen display data.

The screen connection scroll AP cuts out display data to be displayed on the transaction screen from the generated connection screen display data in accordance with the screen size of the display unit 7a (referred to as a screen frame), and uses this as the first scroll display data. The main control unit 3 that has sent the data to the control unit 3 and sends it to the display unit 7a displays the first scroll display data on the screen.
The transaction screen displayed in this way is shown in FIG. On the screen of the display unit 7a, a personal identification number input screen which is a current transaction screen is displayed. Note that the withdrawal amount input screen, which is the next transaction screen indicated by a broken line in FIG. 16, is described for convenience of explanation, and is display data that is not included in the first scroll display data that is actually sent to the display unit 7a. .

Next, the screen connection scroll AP sends the scroll display data, which is shifted from the connection screen display data by a predetermined number of columns and cut out by the screen frame, to the main control unit 3, and the main control unit 3 displays it on the display unit 7a.
When the above operation is repeated in order at predetermined time intervals, as shown in FIGS. 17 and 18, the left end of the current transaction screen (password input screen) gradually begins to appear on the left side of the next transaction screen (drawing amount input screen). As shown in FIG. 19, the screen is switched to the withdrawal amount input screen which is the next transaction screen. After this switching is completed, the main control unit 3 temporarily stores the display data of the withdrawal amount input screen that has become the current transaction screen in the storage unit 6 to prepare for switching to the next transaction screen.

In this way, the creation of the consolidated screen of the current transaction screen and the next transaction screen is performed by the consolidated screen creating means, and the screen scrolling means switches from the current transaction screen to the next transaction screen by scrolling on the screen of the display unit 7a. Is done.
Below, the elderly person transaction process of a present Example is demonstrated to an example of a payment transaction according to the step shown by SB using the flowchart shown in FIG.

The operations by the screen compositing means, the input receiving means and the various input content recognition means are the same as in the first embodiment, and the operations by the linked screen creating means and the screen scrolling means are the same as described above. Detailed description will be omitted.
Since the operations of steps SB1 and SB2 of the present embodiment are the same as the operations of steps S1 and S2 of the first embodiment, description thereof is omitted.

SB 3, the main control unit 3 that has detected the customer reads the transaction screen time-out time from the time-out data file stored in the storage unit 6 and stores this time-out time in the storage unit 6 as the time-out time of the transaction operation on each transaction screen While saving in the area, a transaction selection screen (FIG. 5) similar to that of the first embodiment synthesized by the screen synthesis means is displayed on the display unit 7a.
In this embodiment, the customer presses the “draw” operation button from the transaction selection screen.

In the following description of each embodiment, the description of the operation when a timeout occurs is omitted, but when the timeout occurs, the operation is the same as in the normal mode except for the case where a description is added.
SB4, the main control unit 3 that has accepted the input by the operation button by the input receiving unit and recognized the input content as a withdrawal transaction, displays a guidance message for prompting insertion of the transaction card synthesized by the screen synthesizing unit on the display unit 7a. The displayed card insertion request screen is displayed.

SB5, when the customer inserts the transaction card into the card handling unit 8 according to the guidance message, the main control unit 3 reads the card information recorded on the magnetic stripe of the transaction card by the card handling unit 8.
SB6, the main control unit 3 that has read the card information recognizes the customer's transaction mode depending on whether or not the elderly person mode identifier is recorded in the card information.

That is, when the elderly person mode identifier is recorded in the card information, the transaction is recognized as elderly person mode transaction, and the process proceeds to step SB7, where elderly person transaction processing by the elderly person transaction processing AP of this embodiment is executed.
When the elderly person mode identifier is not recorded in the card information, the transaction is recognized as a transaction in the normal mode, and the normal transaction process by the normal transaction process AP is executed. Since the operation of the transaction process in this case is the same as in the normal case, the description thereof is omitted. The main control unit 3 that has finished executing the selected normal transaction process ends the transaction process, returns to step SB1, and waits for the customer while displaying the initial screen on the screen of the display unit 7a by steps SB1 and SB2. stand by.

SB7, the main control unit 3 recognizing that the customer transaction mode is the elderly person mode, the current transaction screen as a card insertion request screen, the next transaction screen as a password input screen (FIG. 4) synthesized by the screen composition means The card insertion request screen of the display unit 7a is switched to the personal identification number input screen while scrolling the connection screen created by the connection screen creation means by the screen scroll means.
As a result, the elderly customer notices that the transaction screen has been switched, and enters the personal identification number using the numeric keypad.

  SB8, the main control unit 3 that recognizes the input password by the character button by the input receiving means and recognizes the input password, the current transaction screen is the password input screen (FIG. 4), and the next transaction screen is the screen. The personal identification number input screen of the display unit 7a is switched to the withdrawal amount input screen while the connection screen created by the connection screen creation unit is scrolled by the screen scroll unit as the withdrawal amount input screen (FIG. 15) synthesized by the synthesis unit.

  On the withdrawal amount input screen, “Million” and “Thousand” are used to enter the guidance text prompting entry of the withdrawal amount, the input content display field for the withdrawal amount, and the number and amount unit used as the numeric keypad for the entry. ”,“ Yen ”, each character button (called“ unit key ”),“ correction ”to correct an input error,“ cancellation ”to cancel the withdrawal amount and end the transaction ”And the operation button with the button name“ Next ”for instructing the switch to the next transaction screen (switching to the next transaction screen including this“ Next ”operation button) The operation button for instructing the button is referred to as a next screen switching button).

The customer inputs the withdrawal amount using the numeric keypad or unit key and presses the “Next” operation button.
SB9, the main control unit 3 that accepts the input by the character button by the input accepting means for each character, accepts the inputted withdrawal amount and the input by the “next” operation button, and recognizes the switch to the next transaction screen. The consolidated screen created by the consolidated screen creation means is displayed as a standby request screen displaying a prompt message indicating that the current transaction screen is a withdrawal amount input screen and the next transaction screen is synthesized by the screen synthesis means for a while. While the scroll amount is scrolled by the screen scroll means, the withdrawal amount input screen of the display unit 7a is switched to the standby request screen, and the transaction processing of the withdrawal transaction with the host computer 2 is performed.

That is, the main control unit 3 creates a withdrawal transaction message by attaching the PIN number and withdrawal amount entered in the card information of the transaction card, and transmits this to the host computer 2 via the communication line by the communication unit 4. To do.
The host computer 2 that has received the withdrawal transaction message searches the customer file based on the card information included in the withdrawal transaction message for customer authentication, and the corresponding customer file PIN and the withdrawal transaction message PIN. If the PINs match, the customer is authenticated, and if there is no shortage in the account balance, a transaction approval / disapproval message with a transaction permission message is created and the account balance in the corresponding customer file is updated. . If the passwords do not match or the account balance is insufficient, a transaction permission / disapproval message is created with a message indicating that the transaction is not permitted, accompanied by a message to that effect.

The host computer 2 that created the transaction propriety message transmits the transaction propriety message to the automatic teller machine 1 via the communication line.
SB10, the main control unit 3 that has received the transaction approval / disapproval message by the communication unit 4 recognizes the end of the communication process, and if the received transaction approval / disapproval message is transaction permission, it is determined that the transaction is permitted, and the transaction is not permitted In such a case, it is determined as not permitted and the process proceeds to step SB11.

SB11, the main control unit 3 that has determined that the transaction with the customer is not permitted, is the linkage created by the linkage screen creation means as a transaction rejection screen in which the current transaction screen is a standby request screen and the next transaction screen is synthesized by the screen synthesis means. While the screen is scrolled by the screen scroll means, the standby request screen of the display unit 7a is switched to the transaction disapproval screen.
On the transaction disapproval screen, a message indicating the disapproval of the transaction, the content thereof, prompting confirmation of the content, and prompting the receipt of the transaction card or passbook are displayed.

At the same time, the main control unit 3 discharges the transaction card and passbook, which are customer transaction media, from the card handling unit 8 and the passbook handling unit 9, confirms receipt of the ejected transaction media, and performs the withdrawal transaction process. The process returns to step SB1 and waits in a customer waiting state while displaying an initial screen on the screen of the display unit 7a by steps SB1 and SB2.
SB12, the main control unit 3 having determined that the transaction with the customer is permitted, executes a withdrawal process.

That is, the main control unit 3 counts and feeds out banknotes and coins (referred to as cash) corresponding to the input withdrawal amount from the banknote deposit / withdrawal unit 10 and the coin deposit / withdrawal unit 11, respectively. Accumulate at the deposit / withdrawal port and temporarily wait.
In parallel with this, the main control unit 3 creates print data based on the transaction contents and the like, sends it to the card handling unit 8, and prints the transaction statement slip by the card handling unit 8. If a passbook is inserted, the contents are recorded in the passbook by the passbook handling unit 9.

  SB13, the main control unit 3 that has finished collecting cash and printing transaction statements, etc., uses the current transaction screen as a standby request screen, and the next transaction screen is composed of cash, transaction cards, passbooks, transaction statements that are synthesized by the screen composition means. The standby request screen of the display unit 7a is switched to the cash receipt request screen while scrolling the linkage screen created by the linkage screen creation means as the cash receipt request screen displaying the prompt message for prompting the receipt of The banknote deposit / withdrawal port and the coin deposit / withdrawal port are opened to the customer, and the transaction card, the passbook, and the transaction statement slip are discharged from the card handling unit 8 and the passbook handling unit 9.

The main control unit 3 confirms receipt of the discharged cash and the like, ends the withdrawal transaction process, returns to step SB1, and waits for the customer while displaying the initial screen on the screen of the display unit 7a by steps SB1 and SB2. stand by.
As described above, in this embodiment, when the main control unit of the automatic teller machine recognizes the transaction mode as the elderly person mode, the transaction screen is switched by scrolling each transaction screen. to be traded operated smell by elderly may not notice, it is possible to surely notice a change in the screen, the results can reduce the number of erroneous operation due to a timeout or misunderstanding, to shorten the time required for transaction processing As a result, the operating efficiency of the automatic teller machine can be improved.

In addition to this, in the present embodiment, an elderly customer is identified by recording an elderly person mode identifier indicating that the customer is in the elderly person mode of transaction in the card information of the customer's transaction card. Can perform transactions in the elderly mode without any special operation, and can improve customer convenience.
In the present embodiment, the transaction card is described as a magnetic card that records card information on a magnetic stripe. However, the transaction card is not limited to a magnetic card, and is a transaction card equipped with a contact or non-contact IC chip. Also good.

In this case, a transaction mode recording area is secured in the IC chip recording unit, and the above card information is recorded. The card handling unit of the automatic teller machine is in contact with the IC chip recording unit by contact or non-contact means. A function for reading / writing recorded card information is provided alone or in addition to the magnetic data reading / writing function.
Further, the means for the main control unit of the automatic teller machine to recognize the transaction in the elderly person mode is the means for displaying the operation button for the elderly person mode on the transaction selection screen shown in the embodiment 1, and recognizing it by pressing the button. In addition to means for recording and recognizing the elderly person mode identifier of the transaction card of the embodiment, means for recognizing the elderly person mode transaction can also be formed by the following means.

Means (a) A time-out number accumulation area for accumulating and recording the number of time-outs on the transaction card is secured, and a time-out counter for counting the number of time-outs is provided in the storage unit 6 of the automatic teller machine 1 to automatically deposit cash. The payer 1 is always operated in the normal mode.
Then, the main control unit 3 counts the number of timeouts occurring in one transaction by the timeout counter in the storage unit 6, and the transaction card is ejected at the time of transaction termination (for example, step SB13 in this embodiment). Before the card is discharged, the main control section 3 accumulates and writes the timeout count counted by the timeout counter by the card handling section 8 in the timeout count accumulation area of the transaction card, and reads the card information of the transaction card in the next transaction ( For example, in step SB5) of the present embodiment, the number of timeouts accumulated in the timeout number accumulation area is read, and when the number of timeouts is a predetermined number (for example, five times) or more, the transaction is recognized as an elderly person mode transaction.

  Means (b) The elderly person mode identifier of this embodiment is stored in the host computer 2 connected to the automatic teller machine 1 through the communication line so as to correspond to the customer account information, and the host computer functions as a personal information server. After reading the card information in the card information reading step (for example, step SB5 in the present embodiment) of the transaction card, an elderly person mode identifier transmission request attached with the account information such as the account number of the card information is sent via the communication line. It transmits to a personal information server, an elderly person mode identifier is acquired by including an elderly person mode identifier in the response, and a transaction is recognized as a transaction by elderly person mode by acquiring an elderly person mode identifier.

In this case, the personal information server may be installed separately from the host computer, and the number of timeouts counted by the timeout counter of the means (a) is transmitted and stored while being accumulated, whereby the customer transaction The mode may be recognized.
Means (c) The elderly person timeout time is stored in the timeout data file of the storage unit 6, and the main control unit 3 that has detected the customer in step S3 of the first embodiment reads the timeout time and reads it. Transactions in the elderly mode are performed by setting the initial state to be in the elderly mode by saving it in the timeout time storage area of the storage unit 6 as the timeout period of the transaction operation on each transaction screen, and detecting the customer. Recognize.

In this case, an operation button having “normal mode” for selecting a transaction in the normal mode as a button name is displayed on the transaction selection screen displayed on the display unit 7a instead of the operation button of the “elderly person mode”. The customer who conducts the transaction in the normal mode selects the mode.
The above-mentioned means (a), means (b), and means (c) also allow elderly customers to conduct transactions in the elderly mode without any special operations, and improve customer convenience. Can do. In particular, according to the means (c), even if it is difficult for the customer to switch to the elderly mode, transaction processing can be smoothly performed.

FIG. 20 is a block diagram illustrating a configuration of the storage unit according to the fourth embodiment, and FIG. 21 is a flowchart illustrating elderly transaction processing according to the fourth embodiment.
In addition, the same part as the said Example 1, Example 2, and Example 3 attaches | subjects the same code | symbol, and abbreviate | omits the description.
The elderly person mode identifier similar to that of the third embodiment is added to the card information of the customer transaction card of the present embodiment.

Further, the storage unit 6 of the automatic teller machine 1 according to the present embodiment stores a screen data file similar to that in the first embodiment and a time-out data file including the transaction screen time-out time in the second embodiment. However, the configuration of the business execution program is different.
As shown in FIG. 20, the business execution program of the present embodiment is used for the normal transaction processing AP similar to the first embodiment, the elderly transaction processing AP and the screen composition AP of the present embodiment, and the current transaction on the screen of the display unit 7a. A screen slide AP having a function of sliding the next transaction screen while being superimposed on the front of the screen is added, and these APs and the main control unit 3 execute normal transaction processing as hardware of the automatic teller machine 1 of this embodiment. The means, the elderly transaction processing execution means, the screen composition means, and the screen slide means are formed, and various functional means are formed as hardware of this embodiment by the steps executed by the main control unit 3 and the business execution program. .

The operation of the above configuration will be described.
The operation when the main control unit 3 of the automatic teller machine 1 switches the transaction screen by sliding the next transaction screen on the front of the current transaction screen by the screen slide AP is executed as follows.
When the main control unit 3 switches the current transaction screen (for example, the password input screen shown in FIG. 4 described in the first embodiment) to the next transaction screen (for example, the withdrawal amount input screen illustrated in FIG. 15 described in the third embodiment). In the same manner as described in the first embodiment, the next transaction screen display data is transferred from the image composition means, and the next screen display data is transferred to the screen slide AP.

The screen slide AP that has received the next screen display data cuts out display data of a predetermined number of columns at the left end of the next screen display data, and coordinates of the right end corresponding to the number of columns cut out on the screen of the display unit 7a. Is sent to the main control unit 3 as the first slide display data.
Upon receiving the first slide display data, the main control unit 3 switches the current transaction screen (password input screen) to the background display, sends the transferred slide display data to the display unit 7a, and displays the first slide display on the screen. Display data.

  FIG. 22 shows a transaction screen when the current transaction screen is a background display. On the screen of the display section 7a shown in FIG. 22, a personal identification number input screen which is a current transaction screen is displayed in the background. Note that the withdrawal amount input screen, which is the next transaction screen indicated by a broken line in FIG. 22, is described for convenience of explanation, and is display data that is not included in the display data that is actually displayed on the display unit 7a.

Next, the screen slide AP sends the slide display data extracted from the next screen display data by adding a predetermined number of columns to the number of previously extracted columns to the main control unit 3, and the main control unit 3 sends this to the display unit 7a. indicate.
If the above operation is repeated in order at predetermined time intervals, the next transaction screen (withdrawal amount input screen) is displayed in front of the current transaction screen (password input screen) displayed in the background as shown in FIGS. As shown in FIG. 25, the screen is gradually switched to the withdrawal amount input screen which is the next transaction screen.

In this way, switching from the current transaction screen to the next transaction screen is performed by sliding on the screen of the display unit 7a from the screen slide means.
The elderly transaction process according to the present embodiment will be described below with reference to the flowchart shown in FIG.
The operations by the screen composition unit, the input reception unit, and the various input content recognition units are the same as those in the first embodiment, and the operation by the screen slide unit is the same as described above. Is omitted.

Since the operations of Steps SC1 to SC6 of this embodiment are the same as the operations of Steps SB1 to SB6 of Embodiment 3, the description thereof is omitted.
SC7, the main control unit 3 that has recognized that the customer transaction mode is the elderly person mode, displays the card insertion request screen of the current transaction screen as a background display, and the PIN number input screen synthesized by the screen synthesis means of the next transaction screen While sliding (FIG. 4) by the screen slide means, the card insertion request screen of the display unit 7a is switched to the password input screen.

As a result, the elderly customer notices that the transaction screen has been switched, and enters the personal identification number using the numeric keypad.
SC8, the main control unit 3 which has received the input by the character button for each character by the input receiving means and recognized the input password, displays the password input screen (FIG. 4) of the current transaction screen as a background display, The personal identification number input screen of the display unit 7a is switched to the withdrawal amount input screen while sliding the withdrawal amount input screen (FIG. 15) synthesized by the screen composition means which is a transaction screen by the screen slide means.

The customer inputs the withdrawal amount using the numeric keypad or unit key and presses the “Next” operation button.
Subsequent operations of Steps SC9 to SC12 are the same as the operations of Steps SB9 to SB12 of the third embodiment, and a description thereof will be omitted.
In this case, switching from the withdrawal amount input screen in step SC9 to the standby request screen and switching from the standby request screen to the transaction disapproval screen in step SC11 is performed while sliding by the slide means as described above.

  SC13, the main control unit 3 having finished collecting cash and printing transaction statements, etc., displays the standby request screen of the current transaction screen as a background display, and the same cash etc. as in step SB13 of Example 3 which is the next transaction screen While the receipt request screen is slid by the screen slide means, the standby request screen of the display unit 7a is switched to the receipt request screen for cash, etc., and the cash that has been temporarily held is released to the customer by opening the banknote deposit / withdrawal slot and coin deposit / withdrawal slot At the same time, the transaction card, bankbook, and transaction statement slip are discharged from the card handling unit 8 and the bankbook handling unit 9.

The main control unit 3 confirms receipt of the discharged cash and terminates the withdrawal transaction process, returns to step SC1, and waits for the customer while displaying the initial screen on the display unit 7a by steps SC1 and SC2. stand by.
As described above, in the present embodiment, when the main control unit of the automatic teller machine recognizes the transaction mode as the elderly person mode, the transaction mode is switched while sliding each transaction screen, so that the above-described third embodiment. The same effect can be obtained.

FIG. 26 is a block diagram illustrating a configuration of a storage unit according to the fifth embodiment.
In addition, the same part as the said Example 1, Example 2, and Example 3 attaches | subjects the same code | symbol, and abbreviate | omits the description.
The elderly person mode identifier similar to that of the third embodiment is added to the card information of the customer transaction card of the present embodiment.

Further, the storage unit 6 of the automatic teller machine 1 according to the present embodiment stores a screen data file similar to that in the first embodiment and a time-out data file including the transaction screen time-out time in the second embodiment. However, the configuration of the business execution program is different.
As shown in FIG. 26, the business execution program of the present embodiment includes a normal transaction processing AP similar to that of the first embodiment, an elderly transaction processing AP and a screen composition AP of the present embodiment, and a screen linkage scroll similar to that of the third embodiment. A screen split AP having a function of splitting a transaction screen into a plurality of (three in this embodiment) display areas is added to the AP, and the automatic teller machine of the present embodiment is configured by these APs and the main control unit 3. The normal transaction processing execution means, the elderly transaction processing execution means, the screen composition means, the linked screen creation means, the screen scroll means, and the screen division means are formed as one hardware, and are executed by the main control unit 3 and the business execution program Various functional means are formed as hardware of this embodiment by each step.

The operation of the above configuration will be described.
The operation when the main control unit 3 of the automatic teller machine 1 switches the transaction screen while dividing the current transaction screen and the next transaction screen by the screen division AP and the screen connection scroll AP and scrolling the central display area is as follows. To be executed.
When the main control unit 3 switches the current transaction screen (for example, the password input screen shown in FIG. 4 described in the first embodiment) to the next transaction screen (for example, the withdrawal amount input screen illustrated in FIG. 15 described in the third embodiment). The main control unit 3 delivers the current screen display data to the screen division AP when displaying the current transaction screen.

  The screen division AP that has received the current screen display data displays the current transaction screen (code number input screen) in the upper display area 31 that mainly displays the guidance message display unit 21 as shown in FIG. 27. Current screen center display data to be displayed in a central display area 32 as a main display area for displaying character buttons and displaying the main part of the transaction screen, and display in a lower display area 33 for mainly displaying operation buttons. The current screen lower display data is divided into three display data and transferred to the main control unit 3.

The main control unit 3 that has received the transfer of the divided display data of the current transaction screen sends the current screen upper display data, the current screen center display data, and the current screen lower display data to the display unit 7a to display the current transaction screen. At the same time, these display data are temporarily stored in the storage unit 6.
When switching to the next transaction screen, when the display data of the next transaction screen (withdrawal amount input screen) is received from the image composition means in the same manner as described in the first embodiment, it is transferred to the screen division AP, In the same way as described above, the divided AP displays the next screen display data in the upper display area 31 as shown in FIG. 28 and the next screen center display data displayed in the central display area 32 as the main display area. The next screen lower display data to be displayed in the lower display area 33 is divided into three display data and transferred to the main control unit 3.

The main control unit 3 that has received the transfer of the divided display data of the next transaction screen temporarily stores these display data in another area of the storage unit 6, and displays the current screen center display temporarily stored in the storage unit 6 as described above. The data is read, and the transferred next screen center display data and current screen center display data are delivered to the screen link scroll AP.
The screen link scroll AP that has received the current screen center display data and the next screen center display data, displays the current screen center display data and the next screen center display data in the center display area 32 in the same manner as described in the third embodiment. Concatenate to create one linked screen display data.

  Then, the screen connection scroll AP cuts out display data to be displayed in the central display area 32 in accordance with the screen size (referred to as a central screen frame) of the central display area 32 of the display unit 7a from the generated connected screen display data. Is sent to the main control unit 3 as the first scroll display data, and the main control unit 3 receiving it sends it to the display unit 7a to display the first scroll display data in the central display area 32. At this time, the screens of the upper display area 31 and the lower display area 33 are displayed as the current screen upper display data and the current screen lower display data, that is, as the screens of the upper display area 31 and the lower display area 33 of the password input screen. The

Thereafter, the screen of the central display area 32 of the display unit 7a is scrolled in the same manner as described in the third embodiment, and when the main scroll unit 3 displays the last scroll display data, it is temporarily stored in another area of the storage unit 6. The stored next screen upper display data and next screen lower display data are read out and sent to the display unit 7a to be displayed on the screens of the upper display area 31 and the lower display area 33.
As a result, the screen of the central display area 32 becomes the screen of the central display area 32 of the next transaction screen (withdrawal amount input screen). At the same time, the screens of the upper display area 31 and the lower display area 33 also become the screen of the next transaction screen. The screen of the part 7a is switched to the withdrawal amount input screen shown in FIG. 28 which is the next transaction screen.

In this way, the screen dividing means divides the transaction screen into three display areas, the linked screen creating means creates the current transaction screen and the next transaction screen, and the screen scroll means displays the display unit. Switching from the current transaction screen to the next transaction screen is performed by scrolling the screen of the central display area 32 of 7a.
Since the operation of the elderly transaction processing in the case of the withdrawal transaction of the present embodiment is the same as the operation of the elderly transaction processing of the third embodiment (FIG. 14), description thereof is omitted.

In this case, the transaction screen switching in steps SB7, SB8, SB9, SB11, and SB13 of the third embodiment is performed by using the above-described screen composition means, screen division means, linked screen creation means, and screen scroll means to display the central display area of the transaction screen. This is executed while scrolling 32.
For example, in switching from the card insertion request screen described in SB7 to the password input screen, the main control unit 3 that recognizes that the customer transaction mode is the elderly person mode, sets the current transaction screen as the card insertion request screen, The linked screen created by the linked screen creation means based on the respective central display data divided into the display data of the three display areas by the screen dividing means as the personal identification number input screen (FIG. 4) synthesized by the screen synthesis means of the next transaction screen. While scrolling the screen of the central display area 32 of the display unit 7a by the screen scroll means, the card insertion request screen of the display unit 7a is switched to the password input screen.

As a result, the elderly customer notices that the transaction screen has been switched, and enters the personal identification number using the numeric keypad.
As described above, in the present embodiment, when the main control unit of the automatic teller machine recognizes the transaction mode as the elderly person mode, by switching while scrolling the central display area of each transaction screen, The same effect as in the third embodiment can be obtained.

FIG. 29 is a block diagram illustrating a configuration of a storage unit according to the sixth embodiment.
In addition, the same part as the said Example 1- Example 4 and Example 5 attaches | subjects the same code | symbol, and abbreviate | omits the description.
The elderly person mode identifier similar to that of the third embodiment is added to the card information of the customer transaction card of the present embodiment.

Further, the storage unit 6 of the automatic teller machine 1 according to the present embodiment stores a screen data file similar to that in the first embodiment and a time-out data file including the transaction screen time-out time in the second embodiment. However, the configuration of the business execution program is different.
As shown in FIG. 29, the business execution program of this embodiment includes a normal transaction processing AP similar to that of the first embodiment, an elderly transaction processing AP and a screen composition AP of this embodiment, and a screen slide AP similar to that of the fourth embodiment. The same screen division AP as that of the fifth embodiment is stored, and the normal transaction processing execution means and the elderly transaction processing execution means as hardware of the automatic teller machine 1 of the present embodiment by the AP and the main control unit 3. The screen composing means, the screen sliding means, and the screen dividing means are formed, and various functional means are formed as hardware of this embodiment by the steps executed by the main control unit 3 and the business execution program.

The operation of the above configuration will be described.
The main control unit 3 of the automatic teller machine 1 divides the current transaction screen and the next transaction screen by the screen split AP and the screen slide AP, and the next transaction screen is displayed in front of the current transaction screen in the central display area which is the main display area. The operation when the transaction screen is switched by sliding while overlapping is executed as follows.

When the main control unit 3 switches the current transaction screen (for example, the password input screen shown in FIG. 4 described in the first embodiment) to the next transaction screen (for example, the withdrawal amount input screen illustrated in FIG. 15 described in the third embodiment). In the same way as described in the first embodiment, the display data of the next transaction screen is transferred from the image composition means, and the next screen display data is delivered to the screen division AP.
The screen division AP that has received the next screen display data, as described in the fifth embodiment, displays the next screen display data in the upper display area 31 as shown in FIG. The next screen center display data to be displayed on 32 and the next screen lower display data to be displayed on the lower display area 33 are divided into three display data and transferred to the main control unit 3.

The main control unit 3 that has received the transfer of the divided display data of the next transaction screen temporarily stores the next screen upper display data and the next screen lower display data in the storage unit 6, and stores the transferred next screen center display data. Delivered to the screen slide AP.
The screen slide AP that has received the next screen center display data cuts out the display data of a predetermined number of columns at the left end of the next screen center display data, and sets the number of columns in the center display area 32 of the display unit 7a. Corresponding right end coordinates are attached and sent to the main control unit 3 as the first slide display data.

Receiving the first slide display data, the main control unit 3 switches the current transaction screen (password input screen) to the background display, and sends the transferred slide display data of the central display area 32 to the display unit 7a. First slide display data is displayed on the screen of the display area 32.
Thereafter, the screen of the central display area 32 of the display unit 7a is slid in the same manner as described in the fourth embodiment, and the next screen temporarily stored in the storage unit 6 when the main slide unit 3 displays the last slide display data. The upper display data and the next screen lower display data are read out and sent to the display unit 7a to be displayed on the screens of the upper display area 31 and the lower display area 33.

As a result, the screen of the central display area 32 becomes the screen of the central display area 32 of the next transaction screen (withdrawal amount input screen). At the same time, the screens of the upper display area 31 and the lower display area 33 also become the screen of the next transaction screen. The screen of the part 7a is switched to the withdrawal amount input screen shown in FIG. 28 which is the next transaction screen.
In this way, the screen dividing means divides the transaction screen into three display areas, and the screen slide means slides the screen of the central display area 32 of the display unit 7a to change from the current transaction screen to the next transaction screen. Switching is performed.

Since the operation of the elderly transaction processing in the case of the withdrawal transaction of the present embodiment is the same as the operation of the elderly transaction processing (FIG. 21) of the fourth embodiment, the description thereof is omitted.
In this case, the transaction screen is switched in steps SC7, SC8, SC9, SC11, and SC13 of the fourth embodiment while the central display area 32 of the transaction screen is slid by the screen composition means, the screen division means, and the screen slide means. Executed.

  For example, in switching from the card insertion request screen to the password input screen described in SC7, the main control unit 3 that has recognized that the customer transaction mode is the elderly person mode backs the card insertion request screen of the current transaction screen. The personal identification number input screen (FIG. 4) synthesized by the screen synthesizing means, which is the next transaction screen, is divided into display data of three display areas by the screen dividing means, and the screen is displayed on the central display area 32. The card insertion request screen on the display unit 7a is switched to the password input screen while sliding.

As a result, the elderly customer notices that the transaction screen has been switched, and enters the personal identification number using the numeric keypad.
As described above, in this embodiment, when the main control unit of the automatic teller machine recognizes the transaction mode as an elderly person mode, by switching while sliding the central display area of each transaction screen, The same effect as in the fourth embodiment can be obtained.

  In each of the above embodiments 3 to 6, when the current transaction screen is switched while scrolling or sliding to the next transaction screen, the transaction screen is switched at part or all of the switching process. A notification sound such as a warning sound or a melody sound may be notified to the customer by the handset 13 or the external speaker 14. In this way, the elderly customer can easily attract attention to the sound, so that the customer's attention can be drawn and the switching of the transaction screen can be surely noticed.

FIG. 30 is a block diagram illustrating a configuration of a storage unit according to the seventh embodiment.
In addition, the same part as the said Example 1, Example 2, and Example 3 attaches | subjects the same code | symbol, and abbreviate | omits the description.
The storage unit 6 of the automatic teller machine 1 according to the present embodiment stores the same screen data file as that of the first embodiment and the timeout data file including the transaction screen timeout time of the second embodiment, and secures a timeout time storage area. However, the configuration of the business execution program is different.

  As shown in FIG. 30, the business execution program of the present embodiment displays the operation buttons displayed on the transaction screen in the normal transaction processing AP similar to the first embodiment, the elderly transaction processing AP and the screen synthesis AP of the present embodiment. The operation button blinking AP having the function of blinking is added, and the normal transaction processing execution means and the elderly transaction processing execution means are added as hardware of the automatic teller machine 1 of the present embodiment by the AP and the main control unit 3. The screen composing means, the connected screen creating means, and the operation button blinking means are formed, and various functional means are formed as hardware of this embodiment by the steps executed by the main control unit 3 and the business execution program.

The operation of the above configuration will be described.
The operation when the main control unit 3 of the automatic teller machine 1 blinks the operation button displayed on the transaction screen by the operation button blinking AP is executed as follows.
When the main control unit 3 blinks the operation button on the current transaction screen (for example, the withdrawal amount input screen shown in FIG. 15 described in the third embodiment), for example, the “next” operation button (next screen switching button), The main control unit 3 displays the part illustration of the “next” operation button from the part illustration of the screen data file in the storage unit 6 and the “next” operation button that is the display part of the current transaction screen from the transaction screen configuration table. Are read out, and the flashing time is attached to these and handed over to the operation button flashing AP.

  The operation button blinking AP that has received the part illustration or the like changes the display color and / or display brightness of the received part illustration, creates operation button display data with the received coordinate area, and displays the display color and / or Alternatively, the main control is performed during the blinking time when the operation button display data whose display brightness is changed and the operation button display data of the original display color and / or display brightness are alternately received at a predetermined time interval (for example, 0.5 seconds). Each time the main control unit 3 receives the operation button display data, the main control unit 3 sends it to the display unit 7a and sends it to the corresponding transaction button on the current transaction screen (transfer account number input screen). In the explanation, the display button and the display brightness of the “next” operation button) are alternately changed to flash the operation button for a predetermined flashing time.

In this manner, the operation button on the current transaction screen is blinked by the operation button blinking means of the present embodiment.
Below, the input step of the withdrawal amount of the withdrawal transaction by the elderly transaction process of the present embodiment will be described using the withdrawal amount input screen shown in FIG.
Recognizing the end of the previous step, the main control unit 3 displays the withdrawal amount input screen (the display content is the same as described in the third embodiment) shown in FIG. Measurement of the display time of the transaction screen displayed by the unit 5 is started, the time-out time of the withdrawal amount input screen is read from the time-out time storage area of the storage unit 6 and the specified time is recognized.

The customer inputs the withdrawal amount using the numeric keypad, unit key, etc., and presses the “next” operation button to instruct switching to the next transaction screen.
Main control unit that accepts input by character button by input accepting means for each character, recognizes the entered withdrawal amount, accepts input by operation button of “Next”, and recognizes switching to the next transaction screen 3, the operation button blinking means blinks the operation button of “next” after a predetermined blinking time (for example, 3 seconds), then moves to the next step and displays the next transaction screen on the display unit 7a.

Similarly, when the current transaction screen is switched to the next transaction screen on the other transaction screens, the main control unit 3 determines the next transaction when the operation button that is pressed last on the current transaction screen, that is, the next screen switch button is pressed. Before switching the screen, the next screen switching button is flashed a predetermined number of times by the operation button flashing means, and then switched to the next transaction screen.
In this way, elderly customers can expect to switch screens, and the same effects as in the third embodiment can be obtained.

Next, the operation when the customer forgets to press the “next” operation button (next screen switching button) after completing the withdrawal amount input in the withdrawal amount input step will be described.
On the withdrawal amount input screen, the main control unit 3 recognizes the input withdrawal amount by receiving the withdrawal amount character button input for each character by the input receiving means, and the withdrawal amount input end is a character button. It is recognized when the “circle” unit key is pressed.

In this case, if the customer forgets to press the next screen switching button, a timeout occurs when the elapsed display time of the transaction screen reaches a specified time. In order to prevent the occurrence of this timeout, the present embodiment performs the following.
That is, the main control unit 3 automatically switches to the next transaction screen when the transaction screen display elapsed time reaches the specified time. Even in this way, since the end of the input of the withdrawal amount is recognized, the transaction process is not hindered and the delay of the transaction process due to the occurrence of a timeout can be prevented.

  Alternatively, when the transaction screen display elapsed time reaches the specified time, the operation button blinking means causes the next screen switching button to blink for a certain time (for example, 10 seconds) to alert the customer, and the customer presses the next screen switching button. When the button is pressed, at that time, when the next screen switch button is not pressed, the screen is switched to the next transaction screen after a lapse of a predetermined time. Even if it does in this way, the effect similar to the above can be acquired. In this case, the brightness of the display color of the next screen switching button may be raised to attract the attention of the customer, and “Please push“ Next ”” on the transaction screen. Or the like may be displayed to alert the customer.

In the case of such an input screen with a character button, every time the main control unit 3 receives an input with the character button by the input receiving means, the measurement of the display elapsed time of the transaction screen is reset and remeasured. Further, it is possible to prevent a delay in transaction processing due to occurrence of timeout.
The same effect can be obtained in other input screens using character buttons similar to those described above. For example, in the client telephone number input screen (FIG. 50 described later) in the transfer transaction, the following may be performed.

  The number of digits of the phone number is determined to be 11 digits starting with “090” or “080” in the case of a mobile phone, and 10 digits starting with 3 digits other than the above in the case of a subscriber phone. In the input step, the main control unit 3 accepts the input by the character button for each character by the input receiving means and recognizes the number, and when the third digit is input, determines whether it is a subscriber phone or a mobile phone by the number. When the number of digits to be input is recognized and the number of digits is input, the end of the input of the telephone number is recognized to prevent a delay in transaction processing due to the occurrence of a timeout in the same manner as described above.

FIG. 31 is a block diagram showing the configuration of the storage unit of the eighth embodiment, and FIG. 32 is a flowchart showing the elderly transaction processing of the eighth embodiment.
In addition, the same part as the said Example 1 and Example 2 attaches | subjects the same code | symbol, and abbreviate | omits the description.
The storage unit 6 of the automatic teller machine 1 according to the present embodiment stores a time-out data file including the transaction screen time-out time of the above-described second embodiment, and a time-out time storage area is secured. Besides the configuration of the data file, a voice transmission means storage area for storing voice transmission means is newly secured, and an external secret item list is newly stored.

  As shown in FIG. 31, the business execution program of the present embodiment includes hiragana, katakana, kanji, alphabets, and numbers in the normal transaction processing AP similar to that of the first embodiment, the elderly transaction processing AP and the screen composition AP of the present embodiment. And a character voice conversion AP having a function of converting text data of a character string (simply called a character) that is a combination thereof into voice data of the character and outputting it, and these AP and main control unit 3 forms a normal transaction processing execution means, an elderly transaction processing execution means, a screen synthesis means and a text-to-speech conversion means as hardware of the automatic teller machine 1 of the present embodiment. Various functional means are formed as hardware of the present embodiment by each executed step.

  In addition, the storage unit 6 inputs the same screen background, component illustrations, guidance message data, guidance voice data consisting of voices from the narrator of the guidance message, and “ ”“ Selected ”,“ Are you sure? ”, Etc. in the fixed phrase data to display the fixed phrase data and the fixed voice data to store the voice by the narrator and the transaction screen of the transfer transaction Transfer recipient financial institution name list, transfer destination store name list, account name list, screen background of each transaction screen set in advance corresponding to each transaction screen of normal mode and senior citizen mode, guidance wording data , Guidance voice data, fixed phrase data, fixed voice data, necessary types of display parts (including each of the above-mentioned lists), and a coordinate area on the screen for displaying them. Transaction screen configuration table or the like that describes the screen configuration is stored as screen data file.

This list shows the name of the financial institution that is the candidate for the transfer destination (the name of the financial institution), the name of the store, the text data of the account name that is the account type, and the shape and display of the display frame. It consists of colors and is handled as a display component that is displayed on the transaction screen in the same way as the component illustration.
Further, in the storage unit 6, when it is transmitted by voice through the external speaker 14, items that need to be prevented from leaking information to others, for example, the account number of the transfer destination or the client, the transfer amount, the withdrawal amount, and the deposit amount And the like, an external confidential item list in which items such as a transfer destination and a client's name, a transfer destination and a client's telephone number are recorded as external confidential items is preset and stored.

The operation of the above configuration will be described.
The operation when the main control unit 3 of the automatic teller machine 1 converts the button name inputted by the customer using the character button or the operation button to the voice by the text voice conversion AP is executed as follows.
When the main control unit 3 delivers the screen configuration information of the current transaction screen to the screen composition AP described in the first embodiment, display components (each of which correspond to the coordinate area on the screen in the same manner as described in the first embodiment). Button name, title name, financial institution name, store name, account name text data and display frame shape are temporarily stored in the storage unit 6 as input acceptance information.

  When the main control unit 3 converts a character button (for example, “1” of the character button) on the current transaction screen (for example, the transfer account number input screen shown in FIG. 10 described in the second embodiment) into speech, an input receiving unit To accept the input by the character button for each character, recognize the input content (“1” of the character button), and from the input reception information temporarily stored in the storage unit 6, the text data (“ 1 ”), and the text data is temporarily stored in the storage unit 6, and a reservation instruction and a transmission instruction are attached to the text data and delivered to the text-to-speech conversion AP.

The character-to-speech conversion AP that has received the reservation instruction, the transmission instruction, and the text data converts the text data into voices (“I” and “Chi”) for each sound using machine synthesized sound, and synthesizes the synthesized voice data for each character ( "1") is sent to the main control unit 3 according to the sending instruction, and the voice data converted according to the holding instruction is temporarily reserved in the storage unit 6.
The main control unit 3 that has received the voice data transmits it to the handset 13 or the external speaker 14 and transmits it to the customer by voice (“1”).

Further, when the customer inputs with the character button, the main control unit 3 transmits the button name of the character button input for each input to the customer by voice in the same manner as described above. In this case, the text-to-speech conversion AP temporarily holds in the storage unit 6 in the order in which the voice data is received.
For example, when the customer presses an operation button (next screen switching button) for instructing switching to the next transaction screen such as an operation button of “next”, the main control unit 3 uses the operation button by the input receiving means. The input is accepted, the input content is recognized as switching to the next transaction screen, and a result creation instruction is delivered to the text-to-speech conversion AP.

  The text-to-speech conversion AP that has received the result creation instruction reads a plurality of voice data temporarily stored in the storage unit 6 in accordance with the result creation instruction, in the order in which they are reserved, and puts a pause between the respective voice data. The data are arranged into one voice data (for example, “1”, “D”, “Sun”,...), And this voice data is sent to the main control unit 3 as voice data as an input result by the character button, and the storage unit 6. Delete a plurality of audio data temporarily stored in

In this case, the text data of the character buttons temporarily stored in the storage unit 6 by the main control unit 3 is arranged in the order of input to form text data of a character string, and is converted into the voice data of the financial institution name by the character voice conversion AP described later Similar to the conversion, the input voice data converted may be received.
The main control unit 3 that has received the voice data of the input result sends it to the handset 13 or the external speaker 14 and transmits it to the customer by voice.

In this way, the conversion of the button name of the character button to the voice data for each character and the conversion of the input result by the character button to the voice data by the character voice conversion means of the present embodiment are executed.
When a character button with a character string such as a financial institution name or the like as a button name is pressed from the transfer destination financial institution name selection screen (FIG. 38 to be described later), the main control unit 3 uses the input receiving means to Receiving the input by the button and recognizing the input content (for example, “A bank” of the character button), the text data consisting of the character string of the button name of the button from the input reception information temporarily stored in the storage unit 6 ( "A bank") is read out, the text data of this character string is temporarily stored in the storage unit 6, and a transmission instruction is attached to it and delivered to the text-to-speech conversion AP.

The text-to-speech conversion AP that has received the text data composed of the transmission instruction and the character string decomposes the text data for each character, converts each character into speech data for each character using a mechanical synthesized sound, and synthesizes the speech data (“ Aginko ") is sent to the main control unit 3 in accordance with the sending instruction.
Receiving the synthesized voice data, the main control section 3 sends it to the handset 13 or the external speaker 14 and transmits it to the customer by voice (“Aginkou”). In this case, when the fixed phrase is currently displayed on the transaction screen, the main control unit 3 reads the fixed voice data of the current transaction screen from the input reception information temporarily stored in the storage unit 6, for example, “ Was read out, and the voice data received from the text-to-speech conversion AP is generated following the voice data received from the text-to-speech AP, and sent to the handset 13 or the external speaker 14 to send voice to the customer. Communicate with the text (“Aginkou” “Selected”). The same applies to an operation button displaying a button name by a character string.

In this manner, the text-to-speech conversion unit of the present embodiment converts the button name into the speech data by the character string, and the combination of the mechanical synthesized sound by the speech sentence generation unit and the generation of the sentence speech data by the voice of the narrator. Executed.
In addition, the operation | movement when the main-control part 3 of a present Example synthesize | combines each confirmation screen mentioned later by screen synthetic | combination AP is performed as follows.

  When the main control unit 3 displays a transfer account number confirmation screen (FIG. 46 described later), the main control unit 3 reads the text data temporarily stored in the storage unit 6 and arranges them in the order in which they are temporarily stored. The text data of the character string as the input result is used, and the screen background, the part illustration, the fixed phrase data, and the screen configuration information attached to these coordinate areas are transferred to the screen composition AP. The input acceptance information is temporarily stored in the storage unit 6 in the same manner as described in 1.

The screen composition AP that has received the screen configuration information synthesizes the transfer account number confirmation screen display data in the same manner as described in the first embodiment, and transfers this to the main control unit 3.
Receiving the transfer of the display data of the transfer account number confirmation screen, which is the confirmation screen, the main control unit 3 sends this as a small screen to the display unit 7a and confirms the transfer account number synthesized on the front of the previous transaction screen. Display the screen. The same applies when a confirmation screen is displayed as the next transaction screen of the transaction screen that accepts input for each other character.

When the main control unit 3 displays a transfer destination financial institution name confirmation screen (FIG. 39 described later), the main control unit 3 reads the text data of the character string temporarily stored in the storage unit 6 as described above. Is delivered to the screen composition AP as screen configuration information in the same manner as described above.
Since the subsequent operation is the same as described above, the description thereof is omitted. The same applies when a confirmation screen is displayed as the next transaction screen of a transaction screen that accepts an input of selection by using a character button with another character string as a button name .
The elderly transaction process of the present embodiment will be described below by taking a transfer transaction as an example according to the steps indicated by SD using the flowchart shown in FIG .

The operations by the screen synthesizing means, the input receiving means and the various input contents recognizing means are the same as in the first embodiment, and the operations of the character-speech converting means, the sentence-speech generating means and the confirmation screen synthesizing by the screen synthesizing means. Since the operation is the same as described above, detailed description will be omitted in the following description.
Since the operations of steps SD1 to SD4 of the present embodiment are the same as the operations of steps S1 to S4 of the first embodiment (FIG. 1), description thereof is omitted.

  SD5, the main control unit 3 recognizing the customer's selection as a transaction in the elderly mode, a guidance message for prompting the use of the handset 13 synthesized by the screen synthesizing unit on the display unit 7a, an operation button for "next", That is, the guidance voice data of the guidance word displayed from the input reception information temporarily stored in the storage unit 6 immediately after displaying the elderly mode operation guidance screen shown in FIG. 33 displaying the word prompting the user to press the next screen switching button. Is transmitted to the customer by voice through the external speaker 14.

The customer confirms the transaction operation based on the transmitted voice and / or display contents of the transaction screen, takes the handset 13, and presses the “Next” operation button.
The main control unit 3 that has detected that the customer has picked up the handset 13 stores “handset” as the voice transmission unit in the voice transmission unit storage area of the storage unit 6 and proceeds to step SD6.

  In this case, when the customer presses the “next” operation button without taking the handset 13, the main control unit 3 sets “external speaker” as a voice transmission unit in the voice transmission unit storage area of the storage unit 6. Store. Further, when the main control unit 3 detects that the customer has taken the handset 13 in the course of the transaction shown below, the main control unit 3 changes the voice transmission means storage area of the storage unit 6 to “handset” at that time. To do.

  SD6, the main control unit 3 that has accepted the input of the "next" operation button by the input receiving means and recognizes the input content as switching to the next transaction screen, is synthesized by the screen composition means as the next transaction screen. Immediately after displaying the elderly transaction selection screen shown in (display content is the same as FIG. 6 of Example 1) on the display part 7a, the guidance voice data of the guidance wording displayed from the input reception information of the memory | storage part 6 are read, The guidance voice data read by checking the voice transmission means storage area of the storage unit 6 is transmitted to the customer by voice. Since “handset” is stored in the voice transmission means storage area of this embodiment, transmission to the customer is performed by the handset 13.

The customer confirms the transaction operation based on the transmitted voice and / or display content of the transaction screen, and presses the “transfer” operation button from the elderly transaction selection screen.
SD7, immediately after displaying the settlement method selection screen shown in FIG. 35 synthesized by the screen synthesizing unit on the display unit 7a, the main control unit 3 that has accepted the input by the operation button by the input accepting unit and recognized the input content as the transfer transaction. Then, the guidance voice data of the guidance message displayed from the input acceptance information of the storage unit 6 is read, and the voice transmission means storage area of the storage unit 6 is confirmed and transmitted to the customer by voice by the handset 13.

On the payment method selection screen, “Transfer from account” to select payment method using transaction card and payment card, “Transfer by cash” to select payment by cash, operation buttons and the like that is a button name "cancel" to cancel the transaction ramblings the selection of the payment method is displayed.
The customer confirms the transaction operation based on the transmitted voice and / or display contents of the transaction screen, and presses the “Transfer from account” operation button in order to make a settlement using a transaction card.

  SD8, the main control unit 3 that has accepted the input by the operation button by the input receiving unit and recognized the input content as the settlement by the transaction card, the guidance statement that prompts the insertion of the transaction card synthesized by the screen synthesis unit in the display unit 7a Immediately after displaying the card insertion request screen shown in FIG. 36 displaying an illustration illustrating that and an operation button of “cancel” for canceling the transaction card insertion and canceling the transaction, The guidance voice data of the guidance text displayed from the information is read out, and this is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice by the handset 13.

The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, and inserts the transaction card into the card handling unit 8.
At this time, the main control unit 3 reads the card information recorded on the magnetic stripe of the transaction card by the card handling unit 8.
SD9, the main control unit 3 that has read the card information immediately after displaying the personal identification number input screen shown in FIG. 37 (the display content is the same as FIG. 4 of the first embodiment) synthesized by the screen synthesis means on the display unit 7a. Then, the guidance voice data of the guidance message displayed from the input acceptance information of the storage unit 6 is read, and the voice transmission means storage area of the storage unit 6 is confirmed and transmitted to the customer by voice by the handset 13.

The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, and inputs the password using the numeric keypad.
When the transaction screen is a password input screen, transmission to the customer by voice for each character of the button name of the character button input by the character voice conversion means is not executed for security.

  SD 10, the main control unit 3 that has received the input by the character button by the input receiving unit for each character and recognized the input password, selects the transfer destination financial institution name synthesized by the screen synthesizing unit on the display unit 7 a. Immediately after displaying the transfer destination financial institution name selection screen shown in FIG. 38, the guidance voice data of the guidance text displayed from the input acceptance information of the storage unit 6 is read out, and this is stored in the voice transmission means storage area of the storage unit 6 Confirm and transmit to the customer by voice using the handset 13.

On the transfer destination financial institution name selection screen, there are a guide word that prompts the selection of the name of the transfer destination financial institution (the bank name in the figure), and a list and a list of text buttons with the names of candidate financial institutions as button names An operation button having the button name “up arrow” for moving the display content of “” and the “down arrow” for moving the display content of the list backward are displayed.
The customer confirms the transaction operation based on the transmitted voice and / or display contents of the transaction screen, selects the financial institution name (Bank A), and presses the character button.

Receiving the input by the input receiving means and recognizing the selected financial institution name (Bank A), the main control section 3 stores the voice data of the character string converted by the character voice converting means in the voice transmitting means storage area of the storage section 6 Is transmitted to the customer by voice (“Aginko”) by the handset 13.
SD11, after having transmitted the name of the financial institution by voice, the main control unit 3 displays the transfer destination financial institution name confirmation screen shown in FIG. The text voice data generated by the voice text generation means is confirmed from the voice data of the character string converted by the means, the voice transmission means storage area of the storage unit 6 is confirmed, and the voice (“Aginkou has been selected. ”)) And communicate to the customer.

On the payee financial institution name confirmation screen, select the name of the financial institution, the fixed wording that prompts the confirmation, “correction” to correct the selection, and “yes” to instruct confirmation of the selection. An operation button with the button name is displayed.
The customer confirms the selected content based on the transmitted voice and / or the displayed content of the transaction screen, and presses the “Yes” operation button.

  SD12, the main control unit 3 which has recognized that the selection content has been confirmed by receiving the input by the operation button by the input receiving unit, the name of the store of the selected financial institution name synthesized by the screen synthesis unit on the display unit 7a Immediately after displaying the transfer destination store name input screen shown in FIG. 40 for inputting the guidance voice data of the guidance text displayed from the input acceptance information of the storage unit 6, this is stored in the voice transmission means of the storage unit 6 The area is confirmed and transmitted to the customer by voice using the handset 13.

On the transfer destination store name input screen, a character button (kana character key) having a button name of one letter consisting of a guide word that prompts the first character of the transfer destination store name (the branch name in the figure) to be input and a Katakana 50 characters Etc.) is displayed.
The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, and presses a kana character key (“No”) as the first character of the store name reading.

Receiving the input by the input receiving means, the main control unit 3 that has recognized the button name of the first character of the reading of the store name selected, stores the voice data of the button name ("No") converted by the character voice converting means. The voice transmission means storage area of the unit 6 is confirmed and transmitted to the customer by voice (“NO”) by the handset 13.
SD13, after having transmitted the button name by voice, the main control unit 3 reads out the store name starting from the one character of the name of the financial institution inputted from the transfer destination store name list and synthesized it by the screen synthesizing means as shown in FIG. Immediately after displaying the transfer destination store name selection screen on the display unit 7a, the guidance voice data of the guidance message displayed from the input reception information of the storage unit 6 is read, and this is confirmed in the voice transmission means storage area of the storage unit 6 It is transmitted to the customer by voice by the handset 13.

On the transfer destination store name selection screen, there is a guide word that prompts the selection of the store name of the transfer destination, and a list of text buttons with the names of financial institutions that are candidates starting with "no", and the display contents of the list An operation button or the like having a button name of “down arrow” for moving backward, “redo first character selection” for returning to the previous transaction screen, that is, the transfer destination store name input screen, is displayed.
The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, selects the store name, and presses the character button.

The main control unit 3 that has accepted the input by the input receiving unit and recognized the selected store name confirms the voice data of the character string converted by the character voice converting unit in the voice transmitting unit storage area of the storage unit 6 and the handset. 13 is transmitted to the customer by voice.
SD14, the main control unit 3 which has finished transmitting the store name by voice, displays the transfer destination store name confirmation screen shown in FIG. 42 synthesized by the screen synthesis unit on the display unit 7a as a small screen, and also by the character voice conversion unit. The text voice data generated by the voice text generation means based on the converted voice data of the character string is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice using the handset 13.

On the transfer destination store name confirmation screen, the button name is “corrected” to correct the selected store name, the standard wording prompting the confirmation and the selected content, and “Yes” to instruct confirmation of the selected content. The operation buttons are displayed.
The customer confirms the selected content based on the transmitted voice and / or the displayed content of the transaction screen, and presses the “Yes” operation button.

  In SD15, the main control unit 3, which has recognized that the selection content has been confirmed by receiving the input by the operation button by the input receiving unit, the recipient is transferred to the financial institution or the like of the transfer destination synthesized by the screen synthesizing unit on the display unit 7a. Immediately after displaying the account name selection screen shown in FIG. 43 for selecting the type of the opened account, the guidance voice data of the guidance wording displayed from the input acceptance information of the storage unit 6 is read, and this is stored in the storage unit 6 The voice transmission means storage area is confirmed and transmitted to the customer by voice by the handset 13.

On the account name selection screen, a guide word for prompting selection of an account name, a list of character buttons with button names as candidate account names, and the like are displayed.
The customer confirms the transaction operation based on the transmitted voice and / or display contents of the transaction screen, selects an account name, and presses the character button.
The main control unit 3 that has accepted the input by the input receiving unit and recognized the selected account name confirms the voice data of the character string converted by the character voice conversion unit by checking the voice transmission unit storage area of the storage unit 6 and the handset. 13 is transmitted to the customer by voice.

  SD16, the main control unit 3 which has finished transmitting the account name by voice displays the account name confirmation screen shown in FIG. 44 synthesized by the screen synthesis unit on the display unit 7a as a small screen and converted by the character voice conversion unit. The text voice data generated by the voice text generation means based on the voice data of the character string is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice using the handset 13.

On the payee financial institution name confirmation screen, the selected account name and the fixed wording prompting confirmation, “correction” to correct the selection, and “yes” to instruct confirmation of the selection are buttons An operation button with the name is displayed.
The customer confirms the selected content based on the transmitted voice and / or the displayed content of the transaction screen, and presses the “Yes” operation button.

  SD 17, the main control unit 3 that has recognized that the selection content has been confirmed by receiving the input by the operation button by the input receiving unit, FIG. 45 (the display content is the same as that of the second embodiment) synthesized with the display unit 7 a by the screen synthesis unit. (Same as FIG. 10) Immediately after displaying the transfer account number input screen shown in FIG. 10, the guidance voice data of the guidance wording displayed from the input acceptance information of the storage unit 6 is read out, and this is stored in the voice transmission means storage area of the storage unit 6 Is transmitted to the customer by voice using the handset 13.

The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, and inputs a bank account number using a numeric keypad.
In the course of this input, the main control unit 3 transmits the voice data of the button name by the character voice conversion means to the customer by voice by the handset 13 for each character, that is, for each input, for each input by the character button.

When the customer finishes inputting the account number, the customer presses the “Next” operation button.
SD18, the input accepting means accepts the input for each character by the character button and recognizes the account number, accepts the input by the “next” operation button, and recognizes the input content as switching to the next transaction screen. The control unit 3 displays the transfer account number confirmation screen shown in FIG. 46 synthesized by the screen synthesizing unit on the display unit 7a as a small screen, and generates a voice sentence from the voice data of the input result converted by the text-to-speech conversion unit. The sentence voice data generated by the means is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice using the handset 13.

On the transfer account number confirmation screen, the button name is “correct” to correct the input account number and the fixed wording that prompts the confirmation, and “Yes” to instruct the input content confirmation. The operation buttons are displayed.
The customer confirms the input contents based on the transmitted voice and / or display contents of the transaction screen and presses the “Yes” operation button.

  SD19, the main control unit 3 which has recognized that the input content has been confirmed by receiving the input by the operation button by the input receiving unit, displays the client name input screen shown in FIG. 47 synthesized by the screen synthesizing unit on the display unit 7a. Immediately after the display, the guidance voice data of the guidance message displayed from the input acceptance information of the storage unit 6 is read, and this is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice by the handset 13.

  On the client name input screen, a guidance message for prompting the client name to be input, an input content display field for the client name, and the same kana character key and muddy sound as those on the transfer destination store name input screen (FIG. 40) Character buttons (called auxiliary keys) with long sound and space symbols as button names, as well as “All corrections” to redo name input, “Single character corrections” to correct single character input errors, An operation button is displayed with the button name of “Cancel” to stop entering the client's name and end the transaction, and “Next” to confirm the input contents and switch to the next transaction screen. The

The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, and inputs the name of the client using the kana character key or the auxiliary key.
In the course of this input, the main control unit 3 transmits the voice data of the button name by the character voice conversion means to the customer by the handset 13 for each character for every input by the character button.
When the customer finishes inputting the client name, the customer presses the “next” operation button.

  SD20, the input accepting means accepts the input of each character by the character button and recognizes the name of the client, accepts the input by the “next” operation button and recognizes the input content as switching to the next transaction screen. The main control unit 3 displays the client name confirmation screen shown in FIG. 48 synthesized by the screen synthesizing unit on the display unit 7a as a small screen, and generates a voice sentence based on the voice data of the input result converted by the character voice converting unit. The sentence voice data generated by the means is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice using the handset 13.

On the client name confirmation screen, the name of the input and the standard wording prompting the confirmation, “correction” to correct the input contents, and “yes” to instruct confirmation of the input contents are used as the button names. An operation button is displayed.
The customer confirms the input contents based on the transmitted voice and / or display contents of the transaction screen and presses the “Yes” operation button.

  When the main control unit 3 recognizes that the input content has been confirmed by receiving the input by the operation button by the SD 21 and the input receiving unit, the client telephone number input screen shown in FIG. 49 synthesized by the screen synthesizing unit on the display unit 7a. Immediately after the message is displayed, the guidance voice data of the guidance message displayed from the input acceptance information in the storage unit 6 is read, and the voice transmission means storage area of the storage unit 6 is confirmed and transmitted to the customer by voice by the handset 13.

  On the client phone number input screen, there is a guidance message prompting the client's phone number to be entered, an input content display field for the client phone number, a character button with a numeric keypad and hyphen for the button name, and a telephone "Correction" to correct the input of the number, "Cancel" to terminate the transaction by canceling the input of the client telephone number, "Next" to confirm the input contents and instruct to switch to the next transaction screen An operation button with the button name “go to” is displayed.

The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, and inputs the client telephone number using the numeric keypad.
In the course of this input, the main control unit 3 transmits the voice data of the button name by the character voice conversion means to the customer by the handset 13 for each character for every input by the character button.
When the customer finishes inputting the client telephone number, the customer presses the “Next” operation button.

  SD22, accepting the input of each character by the character button by the input accepting means and recognizing the client's telephone number, accepting the input by the “next” operation button and recognizing the input content as switching to the next transaction screen The main control unit 3 displays the client telephone number confirmation screen shown in FIG. 50 synthesized by the screen synthesizing unit on the display unit 7a as a small screen, and uses the voice data of the input result converted by the character-speech converting unit as a voice. The text voice data generated by the text generation means is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice using the handset 13.

On the client phone number confirmation screen, the entered phone number and the standard wording prompting confirmation, “correction” to correct the input content, and “yes” to instruct confirmation of the input content are the button names. The operation buttons are displayed.
The customer confirms the input contents based on the transmitted voice and / or display contents of the transaction screen and presses the “Yes” operation button.

  SD23, the main control unit 3 having recognized the input by the operation button by the input receiving unit and confirmed that the input content has been confirmed, displays the transfer amount input screen shown in FIG. 51 synthesized by the screen synthesizing unit on the display unit 7a. Immediately after this, the guidance voice data of the guidance message displayed from the input acceptance information in the storage unit 6 is read out, and this is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted by voice to the customer by the handset 13.

  On the transfer amount input screen, the guidance text prompting the input of the transfer amount, the input content display field of the transfer amount, the numeric keypad and unit key for the input, and “correction” for correcting the input of the transfer amount, An operation button with the button name of “Cancel” to stop the input of the transfer amount and end the transaction and “Next” to confirm the input contents and instruct to switch to the next transaction screen is displayed. .

The customer confirms the transaction operation based on the transmitted voice and / or the display content of the transaction screen, and inputs the transfer amount using the numeric keypad.
In the course of this input, the main control unit 3 transmits the voice data of the button name by the character voice conversion means to the customer by the handset 13 for each character for every input by the character button.
When the customer finishes entering the transfer amount, the customer presses the “Next” operation button.

  SD24, the input accepting means accepts the input for each character by the character button and recognizes the transfer amount, accepts the input by the “next” operation button, and recognizes the input content as switching to the next transaction screen. The control unit 3 displays the transfer amount confirmation screen shown in FIG. 52 synthesized by the screen synthesizing unit on the display unit 7a as a small screen, and uses the voice data of the input result converted by the text-to-speech conversion unit to generate the voice text generation unit. The generated sentence voice data is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice by the handset 13.

On the transfer amount confirmation screen, the button name is the entered transfer amount and the fixed wording that prompts the confirmation, “correction” to correct the input content, and “yes” to instruct the confirmation of the input content An operation button is displayed.
The customer confirms the input contents based on the transmitted voice and / or display contents of the transaction screen and presses the “Yes” operation button.

SD 25, the main control unit 3, which has received input from the operation button by the input receiving unit and recognized that the input content has been confirmed, executes communication processing for client inquiry with the host computer 2.
That is, the main control unit 3 displays on the display unit 7a the standby request screen shown in FIG. 53 in which the screen compositing means urges the standby for a while, and immediately after that, the input acceptance information of the storage unit 6 is displayed. The guidance voice data of the guidance message displayed from is read out, and the voice transmission means storage area of the storage unit 6 is confirmed and transmitted to the customer by voice by the handset 13, while the PIN number entered in the card information of the transaction card or A client inquiry message is created with the transfer amount attached, and transmitted to the host computer 2 by the communication unit 4 via the communication line.

The host computer 2 that has received the client inquiry message searches the customer information in the customer file based on the card information, collates the password of the customer information with the password of the client inquiry message, and the password matches. If there is no shortage in the account balance of the customer, the customer is authenticated and an inquiry result message indicating that the client is authenticated is created and transmitted to the automatic teller machine 1 via the communication line.
If the passwords do not match or the account balance is insufficient, an inquiry result message that does not authenticate the client is created.

  The main control unit 3 that has received the inquiry result message by the SD 26 and the communication unit 4 recognizes that the client has been authenticated by the inquiry result message, and the transfer contents shown in FIG. Immediately after displaying the confirmation screen, the guidance voice data of the guidance message displayed from the input acceptance information in the storage unit 6 is read, and this is confirmed in the voice transmission means storage area of the storage unit 6 and transmitted to the customer by voice by the handset 13. To do.

  On the payment details confirmation screen, the guidance message prompting confirmation of the details of the payment and the name of the client, the client's telephone number, the name of the financial institution of the transfer destination, the name of the transfer destination store, the account name, and the transfer destination recognized by the main control unit 3 Display column for account number and transfer amount and “correction” to instruct to correct errors in each display item, “cancel” to end transfer transaction, confirm transfer details and instruct to switch to next transaction screen To display the operation button with the button name “next” and the transfer transaction fee.

The customer confirms the transfer contents based on the transmitted voice and / or display contents of the transaction screen, and presses the “next” operation button.
SD 27, the main control unit 3 recognizes the confirmation of the transfer contents by accepting the input by the “next” operation button by the input accepting means and the switching to the next transaction screen, and transfers it to the host computer 2. Execute transaction communication processing.

  That is, the main control unit 3 displays a standby request screen similar to step SD25 synthesized by the screen synthesizing unit on the display unit 7a, and immediately after that, guidance voice data of guidance wording displayed from the input acceptance information of the storage unit 6 And confirms the voice transmission means storage area of the storage unit 6 and transmits it to the customer by voice using the handset 13, while the card information of the transaction card and the confirmed transfer contents etc. indicate that the customer has been authenticated. An attached transfer transaction message is created and transmitted to the host computer 2 via the communication line by the communication unit 4.

  The host computer 2 that has received the transfer transaction message authenticates the customer that the transfer transaction message customer has been authenticated, searches the customer information in the customer file based on the card information, and stores the customer account of the corresponding customer information. Withdraw the transfer amount and fee from the customer and update the customer's account balance, and attach the transfer store name, account name, transfer account number, client name and client phone number to the financial institution of the transfer transaction message Request payment of the transfer amount.

The host computer 2 that has finished depositing the transfer amount transmits a transfer transaction end notification to the automatic teller machine 1 through the communication line as a transfer transaction end notification.
The main control unit 3 that has received the transfer transaction end notification by the SD 28 and the communication unit 4 recognizes the end of the transfer transaction communication process, and prompts the display unit 7a to receive the transaction card or transaction statement slip synthesized by the screen composition means. Immediately after displaying the transaction card etc. receipt request screen shown in FIG. 55 displaying a guidance message to that effect and an illustration illustrating the fact, the guidance voice data of the guidance message displayed from the input acceptance information in the storage unit 6 is read out. The voice transmission means storage area of the storage unit 6 is confirmed and transmitted to the customer by voice using the handset 13.

At the same time, the main control unit 3 creates print data based on the confirmed transfer contents, etc., sends it to the card handling unit 8, prints the transaction statement, and sends the transaction card and transaction statement to the card. It is discharged by the handling unit 8.
The customer confirms the transaction operation based on the transmitted voice and / or display contents of the transaction screen and receives a transaction card and a transaction statement.

After confirming receipt of the customer's transaction card, the main control unit 3 ends the transfer transaction process, returns to step SD1, and waits in a customer waiting state while displaying the initial screen on the display unit 7a by steps SD1 and SD2. To do.
As described above, in the present embodiment, after the main control unit 3 recognizes the transaction in the elderly person mode, the transaction screen to be displayed first (in this embodiment, the elderly person mode operation guidance screen (step 33 in FIG. 33)) is displayed. The operation button for "next", that is, the next screen switching button is displayed, and the next screen switching button to be displayed thereafter (in this embodiment, the transfer destination account number input screen (FIG. 45), etc.) is always the same shape. In addition to making sure that the elderly customer knows the meaning of the next screen switching button by displaying it in the same position with the same display color, and preventing confusion due to the difference in the display of the next screen switching button, The next screen switching button is displayed on the first transaction screen after the transaction in the elderly person mode is selected, and if the next screen switching button is pressed, the switching to the next screen is quickly grasped.

In the present embodiment, it has been described that the contents of the confirmation screens are transmitted by voice while the confirmation screen is displayed. However, in the same manner as the voice message of the guidance message is transmitted immediately after the confirmation screen is displayed. Also good. In this way, it is possible to prevent an erroneous operation in a transaction with an elderly person who is easily attracted to voice guidance even on the confirmation screen.
In this embodiment, the case where the sound transmission means is the handset 13 has been described as an example, but the same applies to the case where the sound transmission means is the external speaker 14.

In this case, when the item set as the external secret item is transmitted to the customer by the external speaker 14, the content of the transmission is hidden.
That is, when the main control unit 3 confirms the voice transmission means storage area of the storage unit 6 immediately after displaying the transaction screen and the “external speaker” is stored in the voice transmission means storage area, An externally confidential item is read from the externally confidential item list, and the displayed transaction screen is an input screen for items corresponding to the externally confidential item read out (in this embodiment, the transfer destination account number input screen (FIG. 45) in step SD17, step SD19 In the case of the client name input screen (FIG. 47), the client telephone number input screen (FIG. 49) in step SD21, and the transfer amount input screen (FIG. 51) in step SD23, the main control unit 3 uses character buttons for input. do not perform the conversion to the audio data of the button name by the character voice conversion means for each, the transition to the next step when the customer beat press the operation button of "proceeding" The next transaction screen, that is, the confirmation screen is displayed, and the sentence voice data generated by the voice sentence generation means based on the voice data of the input result converted by the character voice conversion means on the transaction screen is stored in the voice transmission means of the storage unit 6. When the area is confirmed and transmitted to the customer by voice through the external speaker 14, the audio data of the input result converted by the text-to-speech conversion means is muted by the main controller 3 not sending it to the external speaker 14, and the external speaker 14 Only the standard voice data is transmitted by voice. As a result, it is possible to prevent the information of the external secret item from leaking to others.

As described above, in the case where the voice transmission means is both the handset 13 and the external speaker 14, the password input screen is not transmitted to the customer by voice for security.
As described above, in this embodiment, when the main control unit of the automatic teller machine recognizes the transaction mode as the elderly person mode, the guidance voice of the displayed guidance word immediately after displaying the transaction screen on the display unit. By transmitting data to customers by voice using voice transmission means, it is possible to prevent erroneous operations in transactions with elderly people who are likely to attract attention to voice guidance, resulting in shortening the time required for transaction processing The operating efficiency of the automatic teller machine can be improved.

  In addition to this, in this embodiment, the character voice conversion means converts the character of the button name into voice data and transmits it to the customer by voice every time the character button is input, thereby reducing visual acuity and fingertips. Elderly customers who tend to make erroneous input such as pressing the next button when pressing a character button due to tremors, etc. can immediately notice the erroneous input by voice, and redo the transaction operation from the beginning with appropriate correction The situation can be prevented and the operating efficiency of the automatic teller machine can be improved.

  In addition, in the confirmation screen, the sentence voice data generated by the voice sentence generation means is transmitted to the customer by voice based on the voice data of the input result converted by the character voice conversion means. It is possible to reliably transmit the contents, and it is possible to improve the operating efficiency of the automatic teller machine by preventing the situation where the transaction operation is re-executed from the beginning by appropriate correction.

Furthermore, after the main control unit recognizes the transaction in the elderly mode, the next screen switching button is displayed on the transaction screen to be displayed first. It is possible to quickly grasp that the screen is switched.
Furthermore, the next screen switching button displayed on the transaction screen is always displayed in the same position with the same shape and the same display color, so that elderly customers can reliably grasp the meaning of the next screen switching button. In addition, it is possible to reliably prevent confusion due to the difference in display of the next screen switching button.

  In each of the embodiments described above, the input receiving unit has been described as an input unit using a touch panel that detects the touched position of a character button or an operation button displayed on the screen of the display unit. Not only, but the input unit can be used as a mouse even if characters or symbols written on the character buttons or operation buttons displayed on the screen as a numeric keypad provided on a keyboard or handset with a numeric keypad etc. Character buttons and operation buttons displayed on the screen may be selected, or a plurality of these may be used in combination including the touch panel.

In addition, the button name of the operation button for selecting the elderly person mode has been described as “elderly person mode”, but the button name of the operation button is not limited to the above, and is a button name such as “To Easy Screen”. May be. In short, any button name may be used as long as the operation button pressed can recognize the transition to the elderly mode.
Furthermore, although the next screen switching button has been described as an operation button for “next”, the button name of the next screen switching button is not limited to the above, and may be a button name such as “confirm”. In short, the button name may be any name as long as the switch to the next transaction screen can be recognized by the pressed operation button.

Further, in each of the above embodiments, specific transaction processing such as withdrawal transaction and transfer transaction has been described as an example. However, the same effect can be obtained by applying the present invention to other transaction processing.
Furthermore, in each said Example, although the automatic transaction apparatus demonstrated as an automatic teller machine, an automatic transaction apparatus is not restricted to the above, Even if it is an unmanned contract machine, a ticketing apparatus, etc., if this invention is applied, it will be the same. An effect can be obtained.

Each of the above embodiments are applicable in combination respectively, when combined with each of the embodiments as appropriate, it is possible to obtain the effect of a combination of those embodiments.

The flowchart which shows the elderly person transaction processing of Example 1. The block diagram which shows the automatic teller machine of Example 1 FIG. 3 is a block diagram illustrating a configuration of a storage unit according to the first embodiment. Example of password input screen display example of embodiment 1 Example of transaction selection screen display in Example 1 Example of Elderly Transaction Selection Screen Display Example 1 Example of transaction operation continuation inquiry screen display in Example 1 The block diagram which shows the structure of the memory | storage part of Example 2. FIG. The flowchart which shows the elderly person transaction processing of Example 2. Example of transfer account number input screen display of Example 2 Example of transaction operation continuation inquiry screen display in Example 2 Display example showing another form of the transaction operation continuation inquiry screen of the second embodiment The block diagram which shows the structure of the memory | storage part of Example 3. FIG. The flowchart which shows the elderly person transaction processing of Example 3. Example of withdrawal amount input screen display of Example 3 Explanatory drawing which shows the scroll screen display (first) of Example 3. Explanatory drawing which shows the scroll screen display (intermediate 1) of Example 3. Explanatory drawing which shows the scroll screen display (intermediate 2) of Example 3. Explanatory drawing which shows the scroll screen display (the last) of Example 3. The block diagram which shows the structure of the memory | storage part of Example 4. FIG. The flowchart which shows the elderly person transaction processing of Example 4. Explanatory drawing which shows the slide screen display (first) of Example 4. Explanatory drawing which shows the slide screen display (intermediate 1) of Example 4. Explanatory drawing which shows the slide screen display (intermediate 2) of Example 4. Explanatory drawing which shows the slide screen display (the last) of Example 4. FIG. 7 is a block diagram illustrating a configuration of a storage unit according to the fifth embodiment. Explanatory drawing which shows the display area of the PIN code input screen of Example 5 Explanatory drawing which shows the display area of withdrawal amount input screen of Example 5 Block diagram showing the configuration of the storage unit of the sixth embodiment FIG. 7 is a block diagram illustrating a configuration of a storage unit according to the seventh embodiment. Block diagram showing the configuration of the storage unit of the eighth embodiment The flowchart which shows the elderly person transaction processing of Example 8. Example 8 elderly person mode operation guidance screen display example Elderly person transaction selection screen display example of Example 8 Example of payment method selection screen display of embodiment 8 Example of Card Insertion Request Screen Display Example 8 Example of password input screen display example of embodiment 8 Display example of transfer destination financial institution name selection screen in Example 8 Example of a transfer destination financial institution name confirmation screen in Example 8 Transfer destination store name input screen display example of Example 8 Example of transfer destination store name selection screen display in Example 8 Transfer destination store name confirmation screen display example of Example 8 Example 8 Account Name Selection Screen Display Example Example of Account Name Confirmation Screen Display in Example 8 Transfer account number input screen display example of Example 8 Example of transfer account number confirmation screen display in Example 8 Example of client name input screen display in Example 8 Example of client name confirmation screen display in Example 8 Example of client phone number input screen display of Example 8 Example of client telephone number confirmation screen display in Example 8 Example of transfer amount input screen display of Example 8 Example of transfer amount confirmation screen display in Example 8 Example of display of standby request screen in Example 8 Transfer content confirmation display example of Example 8 Example of receipt request screen display for transaction card of Example 8

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash dispenser 2 Host computer 3 Main control part 4 Communication part 5 Clock part 6 Memory | storage part 7 Customer operation part 7a Display part 7b Input part 8 Card handling part 9 Passbook handling part 10 Banknote depositing / withdrawing part 11 Coin depositing / withdrawing part 12 Customer detection unit 13 Handset 14 External speaker 21 Guidance message display unit 31 Upper display area 32 Central display area 33 Lower display area

Claims (7)

Display means for displaying a transaction screen displaying one or a plurality of character buttons and operation buttons, and input receiving means for receiving input by the character buttons and operation buttons, and a card of the customer's transaction card In an automatic transaction apparatus comprising card information reading means for reading information ,
Elderly person time-out time storage means for storing the time-out time of the transaction operation in the elderly person mode as an elderly person time-out time;
When a timeout occurs during a transaction with a customer, a timeout number writing means for accumulating and writing the timeout number in the card information;
Reading the accumulated number of timeouts from the card information read by the card information reading unit, and when the number of timeouts is equal to or greater than a predetermined number, elderly mode recognition means for recognizing a transaction as a transaction in the elderly mode,
When the elderly person mode recognizing means recognizes the transaction as the elderly person mode transaction, the elderly person timeout time is read from the elderly person timeout time storage means, and the elderly person timeout time is used as the transaction operation timeout time in the transaction. A time-out time storing means for storing as an automatic transaction apparatus. In an automatic transaction apparatus comprising: display means for displaying a transaction screen displaying one or more character buttons and operation buttons, and input receiving means for receiving input by the character buttons and operation buttons. ,
Elderly person time-out time storage means for storing the time-out time of the transaction operation in the elderly person mode as an elderly person time-out time;
A timeout number writing means for writing the accumulated number of timeouts when a timeout occurs during a transaction with a customer;
Reading the accumulated number of timeouts written by the timeout number writing means, and when the timeout number is equal to or greater than a predetermined number, elderly mode recognition means for recognizing a transaction as a transaction in the elderly mode,
When the elderly person mode recognizing means recognizes a transaction as a transaction in the elderly person mode, the elderly person timeout time stored in the elderly person timeout time storage means is controlled as a timeout time of a transaction operation in the transaction. An automatic transaction apparatus comprising a timeout time control means. In claim 2,
The automatic transaction apparatus, wherein the timeout number writing means accumulates and writes the number of timeouts in the card information of a customer's transaction card. In claim 2,
Comprising a communication means for connecting to a host device via a communication line;
The automatic transaction apparatus, wherein the time-out count writing means transmits the time-out count to the host apparatus and accumulates it. An automatic transaction apparatus comprising: display means for displaying a transaction screen displaying one or more character buttons and operation buttons, and input receiving means for receiving input by the character buttons and operation buttons; In an automatic transaction system comprising a host device connected to the automatic transaction apparatus via a communication line,
The automatic transaction apparatus is
Elderly person time-out time storage means for storing the time-out time of the transaction operation in the elderly person mode as an elderly person time-out time;
A timeout number storage means for storing the accumulated number of timeouts when a timeout occurs during a transaction with a customer;
Elderly person mode recognition means for recognizing a transaction as a transaction in the elderly person mode when the cumulative number of timeouts in the timeout number storage means is a predetermined number or more;
When the elderly person mode recognizing means recognizes a transaction as a transaction in the elderly person mode, the elderly person timeout time stored in the elderly person timeout time storage means is controlled as a timeout time of a transaction operation in the transaction. An automatic transaction system comprising a timeout time control means. In claim 5,
The automatic transaction automatic transaction system, wherein the timeout number storage means is card information of a customer's transaction card. In claim 5,
The automatic transaction apparatus is
In place of the timeout number storage means, when a timeout occurs during a transaction with a customer, a transmission means for transmitting the number of timeouts to the host device;
In place of the elderly mode recognition means, when it is received from the host device that the transaction is in the elderly mode, the elderly mode recognition means for recognizing the transaction as a transaction in the elderly mode,
The host device is
Timeout accumulated number storage means for accumulating and storing the number of timeouts received from the automatic transaction apparatus;
Transmission means for transmitting to the automatic transaction apparatus that the transaction is a transaction in the elderly mode when the accumulated number of timeouts stored in the accumulated timeout number storage unit is a predetermined number or more. Automatic transaction system characterized by