JP5720236B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine, which is installed in a financial institution such as a bank or a convenience store, and performs a cash transaction and records and outputs the transaction result on a predetermined medium.

  In recent years, in an automatic transaction apparatus such as an automatic teller machine, it has become an urgent need to further improve services to customers as an added value. As one of the improvements of this service, after specifying the payment amount so that the passbook can be used instead of the memorandum or household account book, the memo input screen is displayed by pressing the memo input button, and the usage of the specified amount can be entered. There has been a technique for printing an amount specified in a predetermined column of a bankbook together with the inputted memo after the transaction is over (for example, see Patent Document 1).

JP-A-5-165869

  However, in the above-mentioned conventional automatic transaction apparatus, in order to withdraw money for a plurality of uses and input a plurality of memos, it is necessary to divide the payment transaction into several times for each use, and the transaction takes time. In addition, when a fee is charged, there is a problem that the fee for that number of times is paid.

  The present invention employs the following configuration in order to solve the above-described problems. That is, in an automatic transaction apparatus that conducts a cash transaction by a customer's operation, in a single transaction, the transaction amount and an input means that can input the memo multiple times, and the multiple times as a result of the transaction Recording means for associating the input amount and the memo with each other and recording the transaction history recording medium is provided.

  According to the automatic transaction apparatus of the present invention, in an automatic transaction apparatus that conducts a cash transaction by a customer's operation, the transaction amount and input means capable of repeatedly inputting such a memo several times in one transaction, the transaction As a result of having a recording means for associating and recording the amount and the memo entered repeatedly as a result of the transaction history recording medium, without increasing the transaction time, and without increasing the transaction fee, Service to customers can be improved.

It is an external appearance perspective view of the automatic transaction apparatus of Example 1. FIG. It is a control system block diagram of the automatic transaction apparatus of Example 1. FIG. It is an operation | movement flowchart figure of the automatic transaction apparatus of Example 1. FIG. It is an example of the operation screen of the automatic transaction apparatus of Example 1. It is an example of the operation screen of the automatic transaction apparatus of Example 1. It is an example of the operation screen of the automatic transaction apparatus of Example 1. It is an example of the operation screen of the automatic transaction apparatus of Example 1. It is the receipt of the automatic transaction apparatus of Example 1, and a bankbook printing example. It is an operation | movement flowchart figure of the automatic transaction apparatus of Example 2. FIG. It is an example of the operation screen of the automatic transaction apparatus of Example 2. It is an example of the operation screen of the automatic transaction apparatus of Example 2.

  Embodiments of the present invention will be described below with reference to the drawings. Elements common to the drawings are given the same reference numerals. In the following description, a payment transaction will be described as an example, but the present invention can be similarly applied to a deposit transaction, a transfer transaction, or a transfer transaction. Moreover, although the banknote is demonstrated as an example as the cash to handle, even if it is a case where a coin is also handled, this invention can be applied similarly.

(Constitution)
FIG. 1 is a perspective view showing an appearance of an automatic transaction apparatus 1 according to a first embodiment capable of performing a cash deposit transaction, a payment transaction, a deposit transaction, and the like by a customer operation.

  As shown in the figure, outside the automatic transaction apparatus 1, a customer sensor 10 such as a proximity sensor for emitting infrared light and detecting reflected light and a cash card for identity verification are inserted and output. Card insertion / output port 11, an operation unit 16 as a customer input means formed by laminating a transparent touch panel on a liquid crystal display, a banknote deposit / withdrawal port 14 for depositing / withdrawing banknotes, and depositing / withdrawing coins A coin deposit / withdrawal port 15, a passbook insertion / output port 12 for inserting or outputting a passbook when a transaction is made in a passbook, and a receipt output port 13 for outputting a receipt on which a transaction result is printed.

  The control system of the automatic transaction apparatus 1 according to the first embodiment is configured as shown in FIG. That is, the control system of the automatic transaction apparatus 1 includes a main control unit 20 that controls each unit, an operation unit 16 described above, a voice guide unit 22 that includes a speaker and the like and performs voice guidance, and information recorded in a cash card. A card processing unit 23 for performing read / write, a passbook entry unit 24 as a printing means for performing passbook processing such as a passbook entry, a receipt printing unit 25 for printing on the receipt, and counting and storing the inserted bills The banknote depositing / withdrawing unit 26 for performing the depositing process and the depositing process for dispensing the banknote and the coin depositing / withdrawing unit 27 for performing the same process on the coin are connected.

  Further, an interface connected via a line 31 to a memory unit 29 that functions as a storage unit of the main control unit 20 and a host device 40 such as a financial institution that manages transaction data performed in the automatic transaction apparatus 1. An interface unit 30 to be controlled is connected to the main control unit 20, and a power source unit 28 for supplying power to each unit is provided.

(Operation)
With the above configuration, the automatic transaction apparatus according to the first embodiment operates as follows. The operation of the payment transaction will be described in detail below with reference to the operation flowchart of FIG. 3, the operation screen examples of FIGS. 4 to 7, the receipt and the passbook printing example of FIG. 8.

  First, when a customer approaches the automatic transaction apparatus 1 and the customer sensor 10 detects the customer, the main control unit 20 displays a transaction selection screen on the operation screen of the operation unit 16. When a payment transaction is selected from the displayed transaction menu, the main control unit 20 displays guidance for prompting insertion of a cash card on the operation screen of the operation unit 16.

  When the cash card is inserted from the card insertion output port 11 (step S01), the account number is acquired from the information recorded in the cash card by the card processing unit 23, and a password input screen is displayed (step S02). ).

  When the personal identification number is input and the identity verification is completed (step S03), an amount input screen for inputting the amount to be paid as shown in FIG. 4 is displayed (step S04).

  When the payment amount is input (step S05) and the “memo input” key 101 is pressed (step S06), the memo input screen of FIG. 5 is displayed (step S07). Then, the customer uses the “item” key 51 and the “input” key 53 to input the use of cash in the payment transaction to the input field 52 (step S08). In this example, the usage of the amount “20,000 yen” is “Gakuhi”.

  When the input of the usage is completed and the “confirm” key 103 is pressed, an amount and memo confirmation screen as shown in FIG. 6A for confirming the payment amount and the input result of the usage is displayed (step) S09).

  If the customer wants to add an additional amount to be paid, when the “add amount” key 104 is pressed (step S10), the main control unit 20 displays an additional amount input screen as shown in FIG. 7 (step S11). The customer inputs the payment amount to be added (step S12).

  When it is desired to input the usage for the amount entered by the customer, when the “memo input” key 111 is pressed (step S13), the process returns to step S07, and the main control unit 20 displays the memo input screen of FIG. Then, when the customer designates, for example, the amount “10,000 yen” as the additional amount of the memo, inputs the usage as “Shokuhi”, and presses the “Confirm” key 103, the additional amount as shown in FIG. 6B. Display the amount and memo confirmation screen.

  On the other hand, when the “confirm” button 102 is pressed on the amount input screen of FIG. 4 (step S06), when the “confirm” button 105 is pressed on the amount and memo confirmation screen of FIG. 6 (step S10), and FIG. When the “confirm” button 112 is pressed on the additional amount input screen (Step S13), the process proceeds to Step S14, where payment processing for the total amount of payment input so far is performed (Step S14), and the cash card Then, cash and a receipt with the transaction memo 121 attached as shown in FIG. 8A are received (step S15), and the process is terminated. When the customer does not select the receipt output, the transaction memo input together with the payment amount may be displayed on the operation screen of the operation unit 16.

  At this time, the automatic transaction apparatus 1 transmits to the host computer 40 that the total amount “30,000 yen” has been designated in one transaction, and the fee is transmitted in one payment transaction. The fee will be charged.

  Then, in the next transaction, when the customer selects the passbook transaction on the transaction selection screen displayed on the operation screen of the operation unit 16, the usage input together with the payment amount as shown in FIG. It is printed as 122 and returned to the customer.

(Effect of Example 1)
As described above, according to the automatic transaction apparatus of the first embodiment, in an automatic transaction apparatus that conducts a cash transaction by a customer's operation, an input that allows a transaction amount and a memo to be repeatedly input multiple times in one transaction Means and printing means for associating the amount of money repeatedly input as a result of the transaction and the memo to print on the passbook, so that the transaction time is not increased and the transaction fee is increased. In addition, service to customers can be improved.

(Constitution)
Since the configuration of the automatic transaction apparatus and the configuration of the control system of the second embodiment are the same as those of the first embodiment, detailed description thereof is omitted for the sake of brevity.

(Operation)
With the above configuration, the automatic transaction apparatus according to the second embodiment operates as follows. This operation will be described in detail below using the operation flowchart of FIG. 9 and the operation screen examples of FIGS. 10 and 11. Since steps S21 to S26 and steps S33 and S34 are the same as steps S01 to S06 and steps S14 and S15 of the first embodiment, the description thereof will be simplified.

  First, when the customer approaches the automatic transaction apparatus 1 and detects the customer by the customer sensor 10, the main control unit 20 displays a transaction selection screen on the operation screen of the operation unit 16, and when the customer selects a payment transaction from the transaction menu, The control unit 20 displays guidance for prompting insertion of a cash card on the operation screen of the operation unit 16.

  Next, when the customer inserts the cash card from the card insertion output port 11, the card processing unit 23 obtains the account number from the information recorded on the cash card, and displays the password input screen (steps S21 and S22). .

  Then, when the customer inputs the personal identification number and the identification is completed, an amount input screen for inputting the amount of payment as shown in FIG. 4 is displayed (steps S23 and S24), and the total amount of payment, for example, 30,000 yen is displayed. Is input (step S25), and the "memo input" key 101 on the amount input screen is pressed (step S26), the amount input screen for inputting the memo in FIG. 10 is displayed (step S27).

  Then, from the payment amount input in step S25, 30,000 yen, an amount for which a memo for use is desired, for example, 20,000 yen, is input (step S28).

  When the input of the amount is completed and the “confirm” key 201 is pressed, the memo input screen shown in FIG. 5 is displayed (step S29). When “Gakuhi” is entered and the “Confirm” key 103 is pressed (step S30), an amount and memo input confirmation screen as shown in FIG. 11 is displayed (step S31).

  Then, referring to the memo addable amount 214, when it is desired to add a memo input to a payment amount that has not yet been entered, if the “Add Memo” key 211 is pressed (step S 32), the process returns to step S 27, and FIG. A monetary amount input screen for inputting a memo is displayed (step S27), the monetary amount for which a memo for use is to be input and the memo are input, and thereafter the same is performed.

  On the other hand, if the “confirm” key is pressed in step S26 and if the “confirm” key 212 is pressed in the amount and memo confirmation screen of FIG. 11 in step S32, the process proceeds to step S33, and so far. When payment processing is performed for the total amount of input payment and the customer selects cash card, cash, and receipt output, as in the first embodiment, transaction memo 121 as shown in FIG. Is received (steps S33 and S34), and the process is terminated.

  At this time, as in the first embodiment, the automatic transaction apparatus 1 transmits to the host computer 40 that the total amount of “30,000 yen” is designated and executed in one transaction, and the commission is reduced. The fee will be charged for each payment transaction.

  Then, in the next transaction, when the customer selects the passbook transaction on the transaction selection screen displayed on the operation screen of the operation unit 16, the payment amount as shown in FIG. The input usage is printed as a transaction memo 122 and returned to the customer.

(Effect of Example 2)
As described above, according to the automatic transaction apparatus of the second embodiment, the total amount of transaction amount is input in one transaction, and the total amount is divided and a memo for each desired amount is repeated multiple times. Since it was made possible to input, in addition to the effects of the first embodiment, it is possible to input a memo for each desired amount after first inputting the total amount to be traded, thereby making it easier to input the memo.

  As described above, the present invention can be widely used in an automatic transaction apparatus such as an automatic teller machine that performs a cash transaction and records and outputs the transaction result on a predetermined medium.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 13 Receipt output port 14 Banknote depositing / withdrawing port 15 Coin depositing / withdrawing port 16 Operation part 20 Main control part 23 Card processing part 24 Passbook entry part 25 Receipt printing part 26 Banknote depositing / withdrawing part 27 Coin depositing / withdrawing part

Claims (4)

In an automatic transaction device that performs cash transactions by customer operations,
Input means having a transaction amount, a transaction amount addition means capable of adding such a memo in one transaction, and a confirmation means for confirming and executing the transaction for each of the transaction amounts repeatedly input a plurality of times And a recording means for associating the amount repeatedly entered as a result of the transaction with the memo and recording it on a transaction history recording medium, and the confirmation means comprising a key is depressed to depress the transaction amount. An automatic transaction apparatus characterized in that cash for a total amount is processed as a single transaction.   The input means is configured to be able to input the transaction amount and the memo sequentially and repeatedly several times in one transaction, and allows the transaction amount to be input without adding the memo. The automatic transaction apparatus according to claim 1.   The input means inputs a total amount of transaction amount in one transaction, and divides the total amount so that a memo for each desired amount can be repeatedly input a plurality of times. The automatic transaction apparatus according to claim 1. The transaction history recording medium is a passbook or a receipt, said recording means and the printing means, the customer, if you do not select the output of the receipt, display for displaying the amount and input memo customer paid The automatic transaction apparatus according to claim 1, further comprising means.

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