JPH03246672A - Method and device for processing transaction - Google Patents

Abstract

PURPOSE:To improve transaction throghout by inexpensive plant and equipment investiment by executing practical transaction by an automatic teller machine (ATM) after inputting the contents of the transaction by a transaction contents input device. CONSTITUTION:The 1st transaction processing method for executing the whole process of each transaction only by one ATM out of ATMs 1a to 1d and the 2nd transaction processing method for executing practical transaction by input ting a medium to one of ATMs 1a to 1d after inputting data necessary for the transaction to one of the transaction contents input devices 2a to 2f can be switched, and when the number of users exceeds the number of ATMs, the 2nd transaction processing method is adopted. The investiment amount used for the transaction contents input devices is less than a half of that of ATMs, the whole investiment amount can be reduced even when the input devices more than the number of ATMs are installed. Concretely, user's states are automatically detected by sensors 7a to 7d and the 1st and 2nd transaction processing methods are automatically switched. Consequently, the reduction of user's waiting time and the shortage of each transaction time can be attained by a comparatively inexpensive investiment amount.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention provides a system for communicating with users using automatic cash handling machines (hereinafter referred to as ATMs) and input-only devices installed in financial institutions such as banks. The present invention relates to a transaction processing method and device for conducting transactions.

[Conventional technology]

In recent years, banks and other financial institutions have installed ATMs inside or outside the store, which accept and accept users' cards or passbooks to perform transactions requested by users, such as deposit withdrawals, deposits, passbook entries, etc. By automatically performing transactions such as transfers, we aim to improve services for users.

In automatic transactions using conventional ATMs, for example,
As described in Japanese Patent No. 149583, all operations from inputting transaction details to inputting and outputting media such as banknotes and passbooks were performed using the same ATM.

However, in recent years, as the number of transactions processed by ATMs has increased rapidly, the number of transactions processed by ATMs has often made users wait longer than necessary, often making them feel uncomfortable.

Furthermore, in the conventional ATM transaction processing method, it takes a long time to input transaction details, and the operating rate of the mechanism that handles banknotes and passbooks is low. In particular, in transfer transactions, there are many input items required to specify the recipient's account number, name, etc., and the input operation takes a very long time.

Regarding the installation of ATMs, each financial institution determines the number of ATMs to be installed, taking into account the expected usage situation and the amount of investment required to install the ATMs.

Therefore, there is not necessarily a sufficient number of machines installed, and on certain days of the week or during certain times, users may become crowded and the waiting time may become long, causing inconvenience to users. Furthermore, recently, the usage rate of ATMs has increased due to holiday operating services, etc., and such congestion is likely to increase more and more.

[Problem to be solved by the invention]

As described above, in order to alleviate user congestion using conventional transaction processing methods, it is necessary to increase the number of ATVs installed, which poses a problem for financial institutions that requires increased investment. .

In addition, if multiple ATMs are installed together and congestion occurs, users can select the one that is expected to have the shortest waiting time among the ATMs that allow their desired transaction. You will be at the end of the queue of users waiting to transact at the ATM. However, the actual waiting time varies from ATM to ATM due to processing time differences in the transaction contents of the user who makes the transaction first, the occurrence of a breakdown, etc., which creates a sense of unfairness for the users.

The purpose of the present invention is to solve these problems in the past,
Relatively low investment amount, less waiting time for users,
It is an object of the present invention to provide a transaction processing method and device that can organize transaction times without giving a sense of unfairness.

[Means to solve the problem]

In order to achieve the above object, the transaction processing method of the present invention includes, in addition to the automatic cash handling device, a plurality of transaction content input devices for simply specifying the transaction type and inputting the transaction details;
The first operation method involves the user inputting transaction details using only the above-mentioned automatic cash handling device and making cash transactions and entries in the passbook. The system is characterized in that the automatic cash handling device performs cash transactions and passbook entry transactions separately after inputting the contents, and the second operation method is switched depending on the congestion state of the users. be.

Further, the transaction processing device of the present invention includes means for detecting the number of users waiting for transactions at the automatic cash handling device, a terminal control device connected to the detection means, and a terminal control device for detecting the number of users by instructions from the terminal control device. The terminal control device is characterized in that a guide board to be called is provided, and the terminal control device notifies the user via the guide board that the user will proceed to the first or second operation method based on the information detected by the detection means. be.

[For production]

In the present invention, a single AT handles transactions from beginning to end.
It is now possible to switch between the first transaction processing method, which is performed using M, and the second transaction processing method, which involves inputting the data necessary for the transaction using the transaction details input device, and then inputting the medium to the ATM to perform the actual transaction. do. When the number of users is less than or equal to the number of ATMs, the first transaction processing method is adopted, and when the number of users exceeds the number of ATMs, the second transaction processing method is adopted. If the number of users is large, the transaction time of the users in the second transaction processing method will be shorter than the transaction time in the first transaction processing method. Since the amount of investment required for transaction details input devices is less than half of that of ATMs, even if more than the number of ATMs are installed, the amount of investment is small. Specifically, by providing a sensor and automatically detecting the state of the user, it is possible to automatically switch between the first and second transaction processing methods.

[Example] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a hardware layout diagram for implementing the transaction processing method of the present invention.

1a to 1d in the figure are ATMs, and 28 to 2f are transaction details input devices having a simple configuration in which a processing mechanism for bankbooks, banknotes, etc. is removed.

ATM 1 is located in automatic machine corner 4 of financial institutions such as banks.
a to 1d, transaction details input devices 2a to 2f, a call guide board 3, and waiting user detection sensors 7a to 7d are installed, and these are connected to the terminal control device 5, respectively. Further, the terminal control device 5 is connected online to a host computer 6 at the center.

The transaction details input devices 2a to 2f allow the user to withdraw the deposit,
This is a device for selecting a desired transaction from among deposits, transfers, passbook entries, balance inquiries, etc., and inputting the amount and card information necessary for executing the selected transaction.

The ATMs 1a to 1d execute transactions such as deposit withdrawals, transfers, passbook entries, balance inquiries, etc. using cash or passbooks as media, and, like the transaction details input device described above, they input transaction details performed by the user. It also has an input function.

The waiting user detection sensors 7a to 7d are ATMIa-1d.
For example, by installing an optical sensor above the queue that forms behind each ATM user, the presence or absence of waiting users is detected.

The terminal control device 5 guides the users who come to the automatic machine corner 4 to the ATMs 1a to 1d or to the transaction details input devices 2a to 2f based on the information from the waiting user detection sensors 7a to 7d. The information is then transmitted to the call guide board 3. In addition, the transaction details input device 2a~
It identifies the transaction details transmitted from 2f, determines the user's transaction type and which device among ATMs 1a to 1d to conduct the transaction, and calls this information and sends it to the information board 3 and the ATM.
It has the function of transmitting information to la-1d.

The terminal control device 5 is also connected to a host computer 6, and performs online transmission and reception regarding transaction information performed at the ATMs 1a to ld.

The call guide board 3 indicates that the transaction execution is A to the user who has input the transaction details using the transaction details input devices 2a to 2f.
This is to display and notify what is possible with any one of TMla-1d.

In the embodiment shown in Fig. 1, the AT
In addition to Mla to 1d, there is a transaction details input device for selecting transaction details such as deposit withdrawal, deposit deposit, passbook entry, transfer, etc., as well as operations such as reading a card, inputting a PIN number, and inputting a transaction amount. will be newly installed. This has a simple structure consisting of a display, keyboard, card reader, etc.

This transaction details input device is installed in a different location in the store than the ATM, and depending on the condition of the user conducting the transaction,
The transaction processing method is switched to either a first transaction processing method in which operations are performed only using the conventional ATV, or a second transaction processing method in which operations are performed using both the transaction content input device and the ATM. Therefore, if the user learns from the display on the call guide board 3 etc. that the first transaction processing method is being performed, the user can directly call the AT
Press M to select the transaction content according to the guidance displayed on the display, insert the card and enter the PIN number, and then perform the cash transaction. Furthermore, when the user learns that the second transaction processing method is being used, the user first selects the transaction details using the transaction details input device according to the guidance displayed on the display, inserts the card, or enters the password. After entering the data necessary to carry out the transaction, such as entering a number, the receiver takes the number tag. When your number is displayed on the call guide board 3, you go to the designated ATM and make a cash transaction.

When switching between the first transaction processing method and the second transaction processing method, by detecting the number of users waiting for transactions at the ATM and also detecting the number of users operating the transaction details input device, Automatically switches depending on user congestion. That is, when the store opens, it starts with the first transaction processing method, and when the number of users waiting for transactions at the ATM exceeds a predetermined number, for example, the number of ATMs, it is displayed on the call guide board 3. , switches to the second transaction processing method.

By the way, in the first transaction processing method, that is, a transaction in which operations are performed only using ArN2, the time required for a user's transaction is:
It consists of an input time T for selecting transaction details, inputting an amount, inputting a personal identification number, etc., a communication time T1 with the host computer, and a transaction processing time T for handling media such as banknotes and passbooks. Note that communication time T1 with the host computer
is an extremely short time of about 1 second at most. in this case,
The transaction capacity F1 per unit time of one ATM is as follows: input time T, communication time T, and transaction processing time T
It is the reciprocal of the sum of 8.

F, = ・ ・ ・ ・ ・
・ ・ ・ (1) T, ten T, +T.

On the other hand, in the second transaction processing method, that is, the method of trading using a transaction content input device and an ATV, in order to conduct a transaction for one user, it is necessary to use another user while processing a transaction on the ATV. Therefore, the transaction capacity per unit time, F, is equal to the input time T, of the transaction details input device.
or the reciprocal of the longer of the ATM transaction processing time T. For example, like a transfer transaction, input time T,
If it takes a long time, F,=-・ ・ ・・ ・・ ・ ・ ・ ・ ・
(2)T.

In addition, when the ATM transaction processing time T, such as when filling out a bankbook, is long, F, = ・・・・・・・・・ ・ ・ ・ (
3) 3 Therefore, when there are few users and the processing capacity of the first transaction processing method can handle it, it operates at the first transaction processing time, and when there are many users and a queue occurs, By making it possible to switch between the two transaction methods so that the second transaction processing method can be used, the transaction time including the user's waiting time can be shortened.

Figures 2 and 3 show the transaction details input device and A
It is an external perspective view of TM.

As shown in FIG. 2, the operation section of the transaction details input devices 28 to 2f in FIG. 1 is provided with a display 21 with a touch sensor, a card insertion slot 22, and a number plate issuing slot 23.

The touch sensor display 21 guides the user by displaying operating procedures and other information using characters and illustrations. In addition, when the user presses the display area corresponding to the PIN number, amount, account number, approval, confirmation, or cancellation of the transaction, the touch sensor (not shown) detects this and confirms the transaction details. Make input.

Further, the card insertion slot 22 is used to insert a magnetic card as a transaction medium on which the user's account information is recorded. In addition, the number plate issuing port 23 guides the user who has finished inputting the transaction details to the ATMs 1a to 1 by a guidance method to be described later.
The necessary number tags will be issued in order to guide the staff to d.

As shown in Figure 3, on the operation surface of ATMla~ld,
Display 11 with touch sensor and number plate insertion slot 12
A banknote deposit/withdrawal port 13, a passbook/statement statement port 14, a coin withdrawal port 15, and a card insertion port 16 are provided.

Display with touch sensor 11 and card insertion slot 1
6 performs the same function as the transaction details input devices 28 to 2f described above. The number plate insertion slot 12 is the transaction details input device 2 of Moesho.
This is to insert the number tag issued from a to 2f.

Further, the banknote deposit/withdrawal port 13, the passbook/statement statement port 14, and the coin withdrawal port 15 are used to exchange media according to transactions by users.

Transaction details input devices 28 to 2f in FIG. 2 and A in FIG. 3
By installing TM1a to 1d together, two types of transaction processing methods become possible.

FIG. 7(a) is an operational flowchart of the first transaction processing method according to the present invention, and FIG. 7(b) is an operational flowchart of the second transaction processing method. second trading place,
Since the compression method is partially the same as the first transaction processing method, only a part of it is shown in FIG. 7(b).

The first transaction processing method is a conventional processing using only ATMla-1d.

In this case, the user who comes to the automatic machine corner 4 does not use the transaction details input devices 2a to 2f, but starts inputting the transaction details using one of the multiple ATMs 1a to 1d that is not in use. . In addition, if all ATMs 1a to 1d are in use, wait behind the user who is using one of the machines and start inputting the transaction details after the previous user has completed the transaction. do. Then, the user presses the display section of the desired transaction from among the transaction types displayed on the touch sensor display 11, such as deposit withdrawal, deposit deposit, transfer, passbook entry, and balance inquiry. When the user inputs a deposit withdrawal request (step 102 in FIG. 7(a)), a request to insert a card is displayed on the display 11, so the user inserts the card from the card insertion slot 22 (step 102 in FIG. 7(a)). 103). Thereafter, according to the instructions displayed on the display 11, the user enters the password and payout amount (step 104). These input information and the account information read from the magnetic card are transmitted to the terminal control device 5, and the verification of the PIN number and the exchange of the payable amount etc. are performed with the host computer 6 (step 106).
It is determined whether the input transaction is executable (step 107). If the transaction is not possible, a message to that effect is displayed on the display 11 (step 108), and re-input is requested. If the transaction is possible, a predetermined amount of cash is discharged into the banknote deposit/withdrawal port 13, and the transaction is completed when the user takes it out (step 109).

Also, when you select deposit deposit, passbook entry, balance verification, or transfer, follow the instructions displayed on the display 11, insert your card or passbook, insert deposited banknotes, and then perform the prescribed processing. The transaction is completed by returning the passbook and issuing a statement.

For example, in the case of a deposit, it is determined whether or not a passbook has been inserted (step 110), and when it has been inserted,
The insertion of banknotes is guided by displaying it on the display 11 (step 111). If a banknote is inserted,
The banknotes are counted (step 112), and the amount is specified (step 113). When the amount is specified,
If the specified amount of banknotes is not inserted within a predetermined time, the passbook and banknotes are returned (step 11).
6). When a banknote of the designated amount is inserted, the banknote is stored and printed on the passbook (step 114).

Thereafter, the bankbook is returned (step 115).

On the other hand, in the second transaction processing method, a user who comes to the automatic machine corner 4 first starts inputting the transaction details on a device that is not in use from among the plurality of transaction input devices 2a to 2f installed. . In addition, all transaction details input devices 28 to 2
If device f is in use, the device waits behind the user who is using one of the devices, and starts inputting transaction details after the previous user completes the input operation. And the user
A desired transaction is selected from among the transaction types displayed on the touch sensor display 21. If the user selects deposit withdrawal (step 102 in FIG. 7(a)),
In the same way as the first transaction processing method, insert the card, enter the PIN number, and the payout amount (steps 103 and 104).
), the terminal control device 5 and the host computer 6 communicate information regarding card verification and whether or not the input transaction can be executed (step 106 in FIG. 7(b)). If the transaction is not possible, a message to that effect is displayed on the display 21 and re-input is requested (steps 17 and 108).
. Further, if it is determined that the transaction is possible, a number plate preset in the device is issued from the number plate issuing port 23 (step 120). The number on this number plate is also transmitted to the terminal control device 5.

Further, when depositing a deposit, writing in a passbook, or checking the balance is selected, a numbered ticket is issued from the numbered ticket issuing port 23. Furthermore, when a transfer is input, the display 21
Follow the instructions displayed to enter the account number and name of the recipient. The input information is transmitted to the terminal control device 5, which communicates with the host computer 6. If it is determined that the transaction is possible, a number tag is issued.

In this way, in the second transaction processing method, a number tag is first issued to a user who desires any transaction using the transaction details input device, and the number of the number tag is displayed on the call guidance board 3. Make it standby.

Then, the number of the number plate issued by each transaction content input device 2a to 2f and the input information are transmitted to the terminal control device 5,
It is stored in the internal memory of the transmission type.

Then, follow the steps below to transfer the memorized transaction details to AT.
The user is assigned to M1a to M1d, and the corresponding user is called and guided using the guide board 3 (step 121).

For example, the call guide board 3 assigns symbols A to D to the ATMs 1a to 1d installed in the automatic machine corner 4, and displays the number corresponding to the next transaction content for each of A to D on the number display section. It is designed to be displayed on the screen. The user who inputs the details of the transaction, takes the number tag, and waits, when his number is displayed on one of the number display sections 3a to 3d, calls the designated ATM la-1.
Stand in front of d. After the user in the transaction ends,
You can make your own trades.

Further, the number displayed on the number display section of the call display board 3 is transmitted from the terminal control device 5, and the terminal control device 5 monitors the operating status of each ATM la-1d. If the AT~11a starts a transaction for the user corresponding to the number that is being called, or if the transaction for the user corresponding to the number that is being called does not start even after a predetermined period of time has elapsed, it is stored in the built-in memory. The number corresponding to the transaction is transmitted to the number display unit 3a in order from the oldest stored transaction among the plurality of transaction contents stored, and the transaction contents and number are also transmitted to the ATM la.

At ATMs 1a to 1d, the user inserts a number plate (Step 122), and according to the transaction details already entered,
For example, in the case of deposit withdrawal, the input amount is withdrawn (Step 23), and a statement is output. In the case of a deposit, a statement will be issued after confirming and inputting the counted value of the deposited cash. In addition, in the case of writing in a bankbook, after inserting the bankbook (step 110), the bankbook is filled in and returned (steps 113, 114, 115). In the case of transfer, after the user makes the deposit, the change will be returned and a statement will be issued.

In this way, in the second transaction processing method, ATM1
Of the processing time for one transaction in a to 1d, input time and communication time with the host computer 6 can be reduced compared to the first transaction processing method, so processing capacity can be improved.

Therefore, it has a great effect on alleviating congestion. however,
If the second transaction processing method is used in a situation where the first transaction processing method does not require users to wait, the amount of time required to guide the users will increase. It will cause trouble.

Therefore, in the present invention, two types of transaction processing methods are switched according to the congestion situation using the waiting user detection sensors 7a to 7d.

FIGS. 4(a) and 4(b) are flowcharts of a user of a transaction processing method showing an embodiment of the present invention.

First, when the automatic machine corner 4 starts business each day, it operates according to the first transaction processing method. At this time, automatic machine corner 4
As shown by the arrows in FIG. 4(a), users visiting the store make withdrawals only from ATMs 1a to 1d (the first transaction processing method is used). Next, when the number of users increases and exceeds the processing capacity of the first transaction processing method, and a queue of users occurs in front of each ATM 1a to 1d, the waiting user detection sensor 7a to 7d detects this state, and the terminal control device 5
Notify. In the terminal control device 5, in order to shift from the first transaction processing method to the second transaction processing method, the call guide board 3 is used to display, for example, ``First, please register the transaction details using the input device.'' is displayed to guide the user to the transaction details input devices 2a to 2f, and at the same time, each ATM 1a to 1
When the transaction being handled in step d is completed, operation using the second transaction processing method is started.

In the second transaction processing method, as shown in Figure 4(b),
A user who comes to the automatic machine corner 4 first inputs the details of the transaction using the transaction details input devices 2a to 2f, takes a number tag, and then waits in front of the call guide board 3, where his number is displayed. If so, start the transaction at the designated ATM]a~1d.

In the embodiment shown in FIG. 4, transaction processing capacity can be improved with low capital investment. This is particularly advantageous for transactions that require long input operations, such as transfers. In the case of Fig. 4, six transaction details input devices are installed for four ATMs.
As shown in FIG. 2, 2f only requires a touch panel 21, a card insertion slot 22, and a number plate issuing slot 23, and if issuing a number plate is omitted, the number plate issuing slot 23 is also unnecessary. It can be manufactured at extremely low cost and is one of the most popular ATMs.
This can be realized at a cost of about 73. Therefore, even if six new units are installed, the cost will not increase that much. and,
The time required for transactions, including waiting time, can be minimized depending on the user congestion situation. Furthermore, even when there are many users waiting and the system is crowded, the difference in waiting time between users and other users can be reduced, so that users do not feel unfair.

FIG. 5 is an explanatory diagram of a transaction processing method showing another embodiment of the present invention.

This method is a simplified version of the second transaction processing method.
This is a method in which number tags are not issued in the transaction details input devices 2a to 2f. That is, as shown by the arrows in FIG. 5, a user who comes to the automatic machine corner 4 first inputs the details of the transaction using the transaction details input devices 2a to 2f.
At this time, only the details of the transaction are transmitted to the terminal control device 5 without issuing an incorrect number tag. The terminal control device 5 stores the transaction details in its built-in memory. Therefore, there is no need to provide a call guide board. The user is ATMla~1d
・Choose one of them and wait at the back of the queue. Each ATM 1a-1d requests the user to insert a card or passbook, searches the input contents already stored in the terminal control device 5 from the read account number,
Transactions may be executed. In this way, in the case of FIG. 4, the transaction details are transmitted from the transaction details input devices 28 to 2f to the terminal control device 5, and further transmitted to one of the ATMs 1a to 1d, but in the case of FIG. When the withdrawal details are transmitted from the transaction details input devices 28 to 2f to the terminal control device 5, the terminal control device 5 only needs to store them, and the user starts the operation at one of the ATMs 1a to 1d. At that time, the ATM searches the built-in memory of the terminal control device 5 for transaction details regarding the user.

FIG. 6 is a time chart of the present invention and a conventional transaction processing method.

FIG. 6(a) shows a conventional method, that is, a method of operating only an ATM, and FIG. 6(b) shows a method of the present invention, that is, a method of using a transaction details input device and an ATM together. When comparing the processing times of one user, there is no difference, so the case where 2 Å or more users conduct transactions with one ATV is shown. Here, A1 is the first person's transaction details input time, B1 is the first person's actual transaction time, A is the second person's transaction details input time, B is the second person's actual transaction time, A,
is the third person's transaction details input time, and B is the third person's actual transaction time.

In the conventional method, after inputting the transaction details at the ATM, the actual transaction was performed by inserting the passbook or banknotes, etc., so the process was completely serial, and the time required was the sum of the time for inputting the details and the transaction time. . Therefore, when two users transact at one ATM, as shown in Figure 6(a), the time required for inputting information and the transaction time for the first and second users is Become.

On the other hand, in the method of the present invention, the details are first entered using the transaction details input device, and then the actual transaction is carried out at the ATM, so that after the first person finishes inputting the details, the second person starts inputting the details. The waiting time will be shortened to the extent that it can be done.

That is, as shown in FIG. 6(b), when the first user's transaction details input time A1 ends and the time C1 for communication with the host computer and number plate issuance ends,
Since that user transacts with the ATM, the second user can input the details. When the second user has finished inputting the information, the third user can immediately input the information after the time C1 when the number plate is issued.

In this way, while a second user is transacting in a conventional manner, the method of the present invention allows a third user to enter content. On the other hand, even in an ATM, after the first user completes a transaction, the second user can immediately begin the transaction, and then the third user can conduct the transaction. In this way, compared to the traditional serial processing method,
Since the present invention employs a parallel processing method, it is possible to improve transaction processing capacity and reduce waiting time for users.

【Effect of the invention〕

As explained above, according to the present invention, compared to conventional methods, it is possible to improve the transaction processing capacity with inexpensive capital investment, and the time required for the transaction, including the waiting time of users, can be improved. Since it is possible to shorten the time and eliminate the user's sense of unfairness, it is possible to improve the service to the user.

[Brief explanation of drawings]

FIG. 1 is a device configuration diagram of a transaction processing method showing an embodiment of the present invention, FIGS. 2 and 3 are external perspective views of a transaction details input device and an automatic cash handling machine (ATM) used in the present invention,
FIG. 4 is a diagram showing the flow of users of the transaction processing method of the present invention, FIG. 5 is a flow diagram of the users of the transaction processing method showing another embodiment of the present invention, and FIG. Comparison time chart of transaction processing methods. FIG. 7 is an operation flowchart of the first and second transaction processing methods in the present invention. la~Id: Automatic cash handling machine (ATM), 2a~2f
: Transaction details input device, 3: Call guide board, 4: Automatic machine corner, 5: Terminal control device, 6: Host computer,
78-7d: Waiting user detection sensor, 11, 21: Display with touch sensor, 12, Number plate insertion slot, 13:
Bill deposit/withdrawal slot, 14: Passbook, statement slot, 15: Coin withdrawal slot, 16: Card slot, 22: Card insertion slot, 23
：Number plate issuing diagram Figure 3 Figure Figure +a 1st transaction and processing method) 2nd transaction processing method Figure

Claims (1)

[Claims] 1. In a transaction processing method for performing various transactions including deposit withdrawal, deposit deposit, and transfer with respect to an automatic cash handling device, apart from the above-mentioned automatic cash handling device, specifying a transaction type and making a transaction. A first operation method in which a plurality of transaction content input devices that only input the contents are arranged, and the user inputs the transaction contents using only the automatic cash handling device and makes cash transactions and entries in the passbook; A second operation method in which the user first specifies the transaction type and inputs the transaction details using the transaction details input device, and then separates only transactions such as cash transactions and passbook entries using the automatic cash handling device. A transaction processing method characterized by switching between and executing the following depending on the congestion state of users. 2. In order to switch between the first operation method and the second operation method according to claim 1, a means for detecting the number of users waiting for transactions at the automatic cash handling device; A terminal control device and a guide board that calls the user according to instructions from the terminal control device are provided, and the terminal control device uses the guide board to call the user based on the information detected by the detection means. A transaction processing device, characterized in that it notifies that it will move to a first or second operation method.