JPH03265087A - Financing automatizing apparatus - Google Patents

Abstract

PURPOSE:To obtain the financing automatizing apparatus which does not necessitate a notified seal and scarcely generates a waiting time by constituting the apparatus so that a customer can execute an address change procedure in accordance with the guidance displayed on an indicator of an automatic catch depositing/paying machine. CONSTITUTION:A customer who executes an address change procedure goes to a branch office of a certain bank with a bankbook (or an ID card). In an automatic cash depositing/paying machine (ATM), an address change is selected by a transaction selecting screen, and the card is inserted in accordance with a display guidance sen tence. A reading means 17 reads an account number and an account opening office number, and a second transaction selecting means 31 displays an address change processing screen on an indicator 2. Subsequently, a zip code input means 33 displays a zip code input guidance sentence, and when it is inputted from an operating means 11, an address containing a prefectural name corresponding to the zip code is displayed. Next, an address input means 34 inputs a county/ward/city/town/village name. The address displayed by the means 33, 34 is printed as address change data together with the account number and the account opening office number read by the means 17 or output to business processing center from a terminal controller 12.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to financial automation equipment used in financial institutions, for example, as automatic cash dispensing machines, and more specifically, it is also capable of performing address change procedures. This is related to financial automation equipment.

[Conventional technology] Conventionally, the main transactions handled by automatic financial machines such as automatic teller machines (hereinafter referred to as ATMs) include cash deposits and withdrawals, bankbook entries, balance inquiries, transfers, and transfers. Yes, and when conducting these transactions, the host computer system of the business processing center (hereinafter referred to as the center system)
The ATM and the ATM are connected online, and each transaction is carried out by exchanging data between the ATM and the center system. This has the advantage of reducing labor at counter operations and reducing customer waiting time.

However, when a customer changes their address due to a transfer, etc., the procedure requires changing the ledger that records the customer's address and PIN number, etc., and since it cannot be handled at an ATM, it is processed at a counter. . When performing address change procedures, the customer must first go to the head office or branch of the financial institution where he or she has opened an account, and provide information such as the branch where he or she has opened an account (hereinafter referred to as "account opening disease"), account number, old address, new address, Fill in the necessary information such as your name, affix the official seal on the notification, and submit it to the counter along with your passbook.

If a customer opens an account with us, the counter staff will send the notification with the seal stamped on the issuing form, the notification affixed to the passbook with the stamp of the issuing seal, or the notification stamped on the ledger. After verifying the customer's identity by checking the impression of the departure seal, the bankbook is returned to the customer and the address on the ledger is changed.

On the other hand, if the customer opens an account at another store, there is no ledger, so the customer's identity is verified by comparing the seal stamped on the form and the stamp affixed to the passbook. After
The passbook is returned to the customer, the notification form is sent to the account opening office, and the person in charge of the account opening office processes the address change in the ledger according to the information on the issuing form.

Problems to be Solved by Invention C] As described above, in the case of changing an address, conventional procedures were performed at a counter, which caused the following problems.

■Since it cannot be handled by automated machines such as ATMs, it is not possible to save labor at counter operations, and the waiting time for customers is long and inconvenient.

■It is inconvenient for customers because the process can only be processed during counter business hours.

■At the time of processing, a seal is verified and the stamp issued on the notification is confirmed, but if the stamp is not affixed on the passbook, it must be checked against the ledger, and the branch number of the branch where the account was opened must be checked. Since the process cannot be processed by the bank, the customer has to go to the account opening office instead of going to the nearest branch, which is inconvenient.

In view of the above points, the present invention allows customers to automatically perform address change procedures by simply inputting notification details.
The aim is to obtain automated financial equipment that requires less waiting time, allows procedures to be completed even outside of counter business hours (unmanned operation hours), and does not require a stamp to be submitted during procedures.

[Means for Solving the Problems] The financial automation device according to the present invention includes a reading means for reading a passbook or an ID card to read at least its account number and account opening store number, and a display for at least a change of address. transaction selection means for displaying an address change processing screen; and when the address change processing screen is displayed, displaying on the display a guide for inputting a postal code; and when a postal code is input from the operation means, the postal code is displayed; a postal code input means for displaying an address including the name of a prefecture on a display;
an address input means for displaying on a display a guide message for inputting an address subsequent to the address displayed on the display, and displaying the address on the display when the subsequent address is input from the operation means; It is equipped with an output means for printing the address displayed on the display by the number input means and the address input means together with the account number and account opening store number read by the reading means as address change data or transmitting it to the host computer. be.

[Operation] According to the present invention, the address change procedure is automatically performed by the customer simply inputting the notification details using the operating means according to the guidance displayed on the display.

[Example] The present invention will be explained below with reference to illustrated embodiments.

FIG. 1 is a block diagram showing a circuit configuration of a financial automation device according to an embodiment of the present invention, FIG. 2 is a block diagram showing a schematic configuration thereof, and FIG. 3 is an example of an ATM to which the present invention is applied. FIG. In Figure 3, 1 is the ATM main body,
2 is a CRT, 3 is provided in front of the display screen of the CRT 2,
An operation means, that is, a touch sensor, allows the customer to input necessary information by touching with a finger, 4 is a card insertion slot for inserting an ID card, and 5 is a passbook insertion slot. Each is equipped with a reading device that reads information such as the customer's account number and account opening store number from the magnetic stripe of the ID card or passbook. In addition,
6 is a bill insertion receiving slot, and 7 is a coin insertion receiving slot.

To explain this in more detail with reference to FIGS. 1 and 2, the ATMI according to this embodiment includes a customer operation unit 11 that transmits input information from the touch sensor 3 to a main control unit IO (described later), and a line or terminal controller ( (hereinafter abbreviated as T/C) 12 for communicating with the center system 13, a first FDD 15 in which the program for operating the ATMI is stored, and data such as branch names, postal code books, etc. 2nd FDD (or HD
D) 16, a card reader 17 which is a reading device for the magnetic stripe of the ID card, and a RAM 18 which temporarily stores information from the card reader 17 and the customer operation unit 11;
A bill depositing and dispensing machine 19, a passbook recording machine 20 which is a reading device for the magnetic stripe of a passbook, a coin depositing and dispensing machine 21, an attendant,
It is composed of an internal operation section 22 for maintenance personnel to operate, a main control section IO that performs overall control, and a power supply section 23, and the T/C 12 also has a terminal such as a counter device (not shown), a continuous slip form, etc. A printer 24 capable of printing on media such as forms is connected, and the printer 24 prints under the control of the T/C 12.

Therefore, the main control unit IO includes a first transaction selection means 30 that performs processes such as conventional cash deposits and withdrawals, bankbook entry, balance inquiries, transfers, transfers, etc., and a CRT 2
The second step is to display the address change processing screen for changing the address.
When there is an input of a reading signal indicating that address change has been selected from the transaction selection means 31 and the second transaction selection means 31, and a PIN confirmation signal is input from the first transaction selection means 30, , an address change input reading means 32 that operates a postal code manual means 33 to be described later, and when an address change processing screen is displayed, a message for inputting a postal code is displayed on the CRT 2, and the postal code is displayed on the customer operation section 11, i.e. A postal code input means 33 that displays an address including the prefecture name corresponding to the postal code on a display when input from the touch sensor 3, and stores the address in the RAM 18 when a confirmation signal is input, and a CRT 2. A message prompting the CRT 2 to input an address subsequent to the above-mentioned address displayed on the screen is displayed on the CRT 2, and when the subsequent address is input from the touch sensor 3, that address is displayed on the CRT 2, and an end signal is input. and an address input means 34 for storing the address in the RAM 18, and a guide text for confirming the address displayed on the CRT 2 by the postal code input means 33 and the address input means 34.
2, and when a confirmation signal is input, the address is sent from the interface 14 to the T/C 12 as address change data along with the account number of the ID card or passbook read by the card reader 17 or the passbook recording machine 20, and the account opening store number. It consists of an output means, that is, a content confirmation means 35, which sends the data to the center system 13 via the T/C 12, prints it on a medium such as a continuous slip paper or a form, or sends it to the center system 13 via the T/CI 2, and furthermore, inputs the address. The means 34 is divided into a ward, ward, town, and village name input means 36 for inputting the name of the ward, town, and village, and an address input means 37 for inputting an address such as a street number following this.

The ATMI, T/C 12, and printer 24 configured in this way are installed at each branch, as shown in FIG. 2, and each T/C 12 is connected to the center system 13.
It is connected to the center system 13 by a communication line, and terminals such as ATMI and counter equipment at each branch can exchange data with the center system 13 via the T/CI2.

Next, the operation of the financial automation device of this embodiment having the above-mentioned configuration will be explained with reference to FIGS. 1 to 4. When carrying out address change procedures, all operations by the customer are performed by pressing a display area surrounded by a frame on the CRT 2. First, customers should bring their passbook or ID card to the nearest OO Bank A.
Go to the branch, select "Change address" on the transaction selection screen (Figure 4 (a)) at the ATMA shown in Figure 2, and insert your ID card according to the instructions displayed after selection (Figure 4 (b)). Insert the card into the card insertion slot 4 or passbook into the passbook insertion slot 5.
Insert into. At this time, the second transaction selection means 31 outputs a read signal indicating that the address change has been selected to the address change input reading means 32.

When an ID card or passbook is inserted, the card reader 17 or passbook entry machine 20 reads the magnetic stripe of the inserted ID card or passbook and records the contents (account number and account number) according to instructions from the first transaction selection means 30. (Information such as opening store number) is stored in the RAM 18.

Next, the customer reads the information displayed on the CRT 2 (see Figure 4).
When the PIN is entered according to C)), the ML transaction selection means 30 sends and receives data from the interface 14 to the center system 13 via the T/C 12.
The input password is verified, and if the input password is correct, a password confirmation signal is output to the address change input reading means 82.

The address change input reading means 32 is the first transaction selection means 30
Input of PIN confirmation signal from and second transaction selection means 3
When the reading signal is input from 1, the postal code input means 3
Operate 3.

When the postal code input means 33 receives an operation command signal input from the postal code input means 33, the postal code input means 33 causes the CRT 2 to display a message prompting the customer to input the postal code (FIG. 4(d)). If you input the postal code of the new address, for example r 101-23J, using the touch sensor 3 according to the text and press the confirmation key, data such as the postal code book stored in the second FDD 1B will be searched and the postal code entered by the customer will be searched. number r
He learns from 1ot-23J that the prefecture name is "Tokyo" and displays it on the next screen. This eliminates the need for the customer to input the prefecture name, making input on the next screen easier.

When the postal code confirmation key is input, the county/ward/municipality expert power means 3B operates next. The Gun Ward/Municipality expert means 36 sends a message (Fig. 4(e)) to the CRT 2 that prompts the user to enter the address following the above-mentioned address "Tokyo", that is, the name of the Gun Ward/Municipality.
When the customer follows the displayed guidance and inputs the name of the district, town, village, for example, [Chotakumarunouchi] in kana symbols using the touch sensor 3 and presses the end key, the address entered so far [Tokyo Prefecture] is displayed. Display Chodakumarunouchi on the next screen.

When the end key of the name of the district, town, or village is input, the address input means 37 is operated next. The address input means 37 inputs a message (FIG. 4(r)) that prompts the user to enter the address following the address [Tokyo Chotakumarunouchi], that is, the lower number.
The customer follows the displayed guidance and selects the block address from the touch sensor 3, for example, RL-2-3.
Enter J as an alphanumeric symbol and press the end key.
2-3” is displayed on the next screen. Here, if the number of characters in the address to be input is large, it is preferable to scroll the screen sequentially to the left so that input can be made even if the address is long.

When the end key of the lower number is input, the content confirmation means 35 operates next. The content confirmation means 35 checks the above-mentioned address “
A message (Fig. 4 (g)) for confirming ``Tokyo Chodaku Marunouchi 1-2-3'' is displayed on the CRT 2, and when the customer enters the confirmation key, it is read by the card reader 17 or passbook entry machine 20. I stored it in RAM1g
Based on the data such as the account number and account opening branch number on the D card and passbook, it is first determined whether the branch where the account is opened is our branch (A branch) and a notice is sent informing that the processing is in progress (see Figure 4). (h)) is displayed on the next screen. If the store where the account is opened is our store, the content confirmation means 35 is as follows.
The above-mentioned address "1-2-3J Chodaku Marunouchi, Tokyo" is sent from the interface 14 to the terminal controller A as address change data along with the ID card, bankbook account number, and account opening store number stored in the RAM 1B.
(hereinafter abbreviated as T/CA).

When the T/CA receives the address change data from the content confirmation means 35, it instructs the printer A to print in a predetermined format. After printer A prints on a medium such as continuous slip paper or a form in accordance with the instruction, printer A notifies the T/CA that printing has been completed. When the T/CA receives the end signal from printer A, it informs the ATM that the process has ended.
A's first transaction selection means 30 is notified.

When the end signal is input from the T/CA, the first transaction selection means 30 causes the CRT 2 to display a message (FIG. 4 (I)) for the customer to receive the passbook or ID card. Alternatively, when the ID card is received, a service screen (FIG. 4(j)) is displayed on the next screen, and the address change process is completed.

Thereafter, the staff at branch A updates the ledger based on the printed results, completing the procedure.

Further, when the content confirmation means 35 determines that the account opening branch is not branch A, the contents are stored in the second FDD (or HDD) 1B based on the account opening branch number of the ID card or passbook stored in the RAM 1g. When you search the branch name data and find out that the account opening branch is oO Bank B Branch,
The aforementioned address change data is sent from the T/CA of branch A to the center system 13 via communication line A.

When the center system 13 receives the address change data from the T/CA, it knows from this data that it is the data that should be sent to the terminal controller B (hereinafter abbreviated as T/CB) of the B branch, and sends it to the T/CA of the B branch. Data with the same content is sent to CB via communication line B.

When the T/CB of branch B receives the data from the center system 13, it instructs printer B to print in a predetermined format. After printer B prints on a medium such as continuous slip paper or a form according to the instructions, printer B notifies T/CB that printing has been completed. When the T/CB receives the end signal from printer B, it notifies the center system 13 that the processing has ended. Next, center system 1
The information is sequentially transmitted from the T/CASA of the branch to the first transaction selection means 30 of the ATMA of the A branch, and the first transaction selection means 30 selects the passbook or ID card as described above. The customer is asked to pick up the receipt and the address change process is completed.

Thereafter, the staff at branch B updates the ledger based on the printed results, completing the procedure.

Note that the above-described processing can be similarly performed by the ATMB of branch B.

5 to 7 all show financial automation equipment according to other embodiments of the present invention, FIG. 5 is a block diagram showing its circuit configuration, and FIG. 6 is a block diagram showing its schematic configuration. , FIG. 7 is a detailed diagram showing the configuration of the passbook recording machine. In this embodiment, the ATMI passbook recording machine shown in FIG. 1 is constructed from a passbook recording machine 40 as shown in FIG. This differs from the previous embodiment in that the printer 24 connected to the T/C 12 is not required.

That is, the passbook recording machine 40 includes a running path 43 formed by a conveying roller 41 and a guide 42, a magnetic head 44 that is placed on the running path 43, and reads the magnetic stripes of a passbook that is conveyed along the running path 43. Arranged on the running path 43,
A print head 46 and a platen 47 for printing on media 45 such as passbooks, passbook-sized slips, certificates, etc., which are conveyed along the travel path 43, are provided vertically to store the media 45 by type. Stacker 48a.

hopper 48 having a hopper 48b and each stacker 48a, 48
b, and each stacker 48a is installed corresponding to each stacker 48a.

Feeding roller 49 for feeding the medium 45 from 48b
．． 50, a feed roller 51 for feeding the medium 45 fed out from the upper stacker 48a by the feeding roller 49 onto the running path 43, and a take-in roller 52 installed on an extension of the running path 43 for taking in the medium 45. In this embodiment, the upper stacker 48a stores the ticket 45a, the lower stacker 48b stores the certificate 45b, and the media 45 is stored in the lower stacker 48b. is certificate 4
5b can be delivered directly to the traveling path 43 by the delivery roller 50.

And an ATMl equipped with such a passbook entry machine 40,
The modem or T/C12 is as shown in FIG.
Installed in each branch, each modem or T/C
12 is connected to the center system 3 by a communication line, and terminals such as ATMI and counter equipment at each branch can exchange data with the center system 13 via modem or T/C 12. There is.

Next, the operation when performing an address change procedure using the financial automation equipment of this embodiment will be explained with reference to FIGS. 4 to 7. Since it is the same as that of the above-mentioned embodiment, the explanation of that part will be omitted. In this embodiment, the processing contents and post-processing method of the ATMI main control unit 1O in FIG. 4(h) are different from those of the previously described embodiment.

First, customers should bring their passbook or ID card to the nearest O.
Go to O Bank C Branch and use the ATMC shown in Figure 6 to go to Figure 4 (
When the input is completed according to steps h) to (g) and the confirmation key is pressed, the content confirmation means 60 reads the information with the card reader 17 or the magnetic head 44 of the bankbook entry machine 40 and stores it in RAM 1.
From the data such as the account number of the ID card and passbook and the account opening store number that you memorized in step 8, the first thing to do is to find out whether the account was opened at our store (
Branch C), and displays a message (FIG. 4(h)) on the next screen informing that the process is in progress. If it is determined that the account opening is not at branch C, the branch number stored in the second FDD (or HD
D) When the branch name data stored in 1B is searched and it is found that the account opening is at OO Bank branch, the content confirmation means 60 searches for the already input address "Tokyo Chotakumarunouchi 1-2". -3J is re-stored in the RAM 1B as address change data along with the ID card, bankbook account number and account opening store number stored in the RAM 18, and this stored address change data is shown in FIG. 8(a). The passbook recording machine 4 prints on the ticket 45a in the printing format A.
Instruct against 0.

In response to this, the passbook recording machine 40 drives the feed roller 49 to feed out one ticket 45a from the upper stacker 48a, and then sends it out onto the travel path 43 by the feed roller 51, and travels in the direction of the bankbook insertion slot 5. Transported along road 43,
The cut sheet 45a is set at the first line printing position by a positioning means (not shown). At this time, if the customer has inserted a passbook in FIG. 4(b), the passbook should be kept waiting near the passbook insertion slot 5, or a separate passbook holding section for temporary holding should be provided. The passbook is held in this passbook holding section or any other means is taken to prevent the passbook from becoming a hindrance when the above-mentioned transfer of the ticket 45a and printing process on the ticket 45a are performed. Then print format A on the ticket 45a.
After printing is performed, the cut 45a is transferred to the take-in roller 52 side, and the cut 45a is taken into the take-in box 53 by the take-in roller 52.

When the above operations are completed, the bankbook entry machine 40 notifies the first transaction selection means 30 of the ATMC that printing has been completed and the ticket 45a has been taken into the receiving box 53.

When the end signal is input from the passbook recording machine 40, the first transaction selection means 30 causes the CRT 2 to display an instruction message (FIG. 4 (I)) for receiving the passbook or ID card, and When the customer receives the passbook or JD card, a service screen (FIG. 4 (j)) is displayed on the next screen, and the address change process is completed.

After that, the clerk at branch C takes out the ticket 45a stored in the receiving box 53, and from the printed contents of the ticket 45a,
If the branch is not open for account opening, the staff at branch C will be charged 4
5a, put it in an envelope (Figure 9) in which the address of the person opening the account (Branch D in this example) can be seen from the outside and send it to Branch D. At branch D, the clerk updates the ledger based on the printed contents of the sent ticket 45a, and the procedure is completed.

In addition, when the content confirmation means 60 determines that the account opening is with our branch (C branch), the content confirmation means 60 uses the ID card stored in the RAM 18 to store the already input address "Tokyo Chotakumarunouchi 1-2-3J". The address change data is stored again in the RAM 18 together with the account number of the passbook and the branch where the account was opened, and this stored address change data is printed on the slip 45a in printing format B as shown in FIG. 8(b). to do the following.
An instruction is given to the passbook recording machine 40.

In response to this, the passbook entry machine 40 transports the ticket 45a from the upper stacker 48a to the printing position as described above, prints on the ticket 45a in printing format B, and then prints the ticket 45a on the ticket 45a.
A is transferred to the take-in roller 52 side, and the cut 45a is taken into the take-in box 53 by the take-in roller 52.

When the above operations are completed, the passbook entry machine 4o notifies the first transaction selection means 30 of the ATMC that printing has been completed and the ticket 45a has been taken into the take-in box 53.

When the end signal is input from the passbook recording machine 40, the first transaction selection means 30 causes the CRT 2 to display an instruction message (FIG. 4 (1)) for receiving the passbook or ID card, and When the customer receives the passbook or ID card, a service screen (FIG. 4 (j)) is displayed on the next screen, and the address change process is completed.

After that, the clerk at branch C takes out the ticket 45a stored in the receiving box 53, and if the branch is the one that opened the account based on the printed content of the ticket 45a, then based on the printed result,
The ledger is updated and the procedure is completed.

Note that the above-described processing can be similarly performed by the ATMD of branch D.

Further, in this embodiment, the hopper 48 is formed from stackers 48a and 48b defined vertically, and the upper stacker 48a stores the tickets 45a and the lower stacker 48b stores the certificates 45b, respectively, and these are fed out by a roller 49. Although the lower stacker 48b and feeding roller 50 for the certificate 45b are not necessarily necessary, it is possible to eliminate these and only use the ticket 45a. It is also possible to have a targeted hopper configuration.

Furthermore, in each of the above-mentioned embodiments, the address input is
In the above example, the customer presses the display part surrounded by a frame on the T2, but this can be done by displaying a frame for address input on the CRT2, as shown in FIG. 1O, for example.
It is also possible to have the customer trace the inside of this frame with his or her finger, detect the trajectory with the touch sensor 3, and perform input by converting it into kana.In such a case, the same effects as those of the above-mentioned embodiments can be obtained. play.

[Effects of the Invention] As described above, according to the present invention, the customer can complete the address change procedure by simply inputting the details of the notification using the operating means according to the instructions displayed on the display, and the notification is marked with an 8 mark. Since this process can be performed automatically without the need for it, it has the effect of saving labor at counter operations.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing a circuit configuration of a financial automation device according to an embodiment of the present invention, FIG. 2 is a block diagram showing a schematic configuration thereof, and FIG. 3 is an example of an ATM to which the present invention is applied. The perspective view and FIGS. 4(a) to 4(j) are all diagrams for explaining the operation of the financial automation equipment according to the present invention, and FIG. 5 is a diagram showing an example of display on a CRT screen, respectively. FIG. 6 is a block diagram showing the schematic structure of the financial automation device according to the embodiment, FIG. 7 is a detailed diagram showing the structure of the passbook recording machine, FIG. 8(a),
(b) is a diagram showing the printing format on the slip by the passbook recording machine, Figure 8 (a) is a diagram showing the printing format A when the account is opened at another store, and Figure 8 (b) is a diagram showing the printing format A when the account is opened at another store. ) is a diagram showing printing format B when the account opening store is our store, and Figure 9 shows printing format A.
FIG. 1O is an explanatory diagram showing another example of the address input method. In the figure, 1 is the ATM main body (automated cash is a dispensing machine),
2 is a CRT (display), 3 is a touch sensor (operation means), IO is a main control unit, 12 is a terminal controller,
13 is the center system (host computer system)
, 17 is a card reader (reading means), 20.40 is a bankbook entry machine, 24 is a printer, 30 is a first transaction selection means, 31 is a second transaction selection means, 32 is an address change input reading means, 33 is a Postal code input means; 34 is address input means;
35. 60 is a content confirmation means, 3B is a county/ward/municipality information means, 37 is an address input means, 44 is a magnetic head (reading means), 45a is a single sheet, 46 is a print head, and 47 is a platen. Schematic configuration of other embodiments of the present invention Figure 1M6 Figure Printing format A Printing format Explanation of the printing format of the ticket wEs Figure Explanation of the envelope for the ticket jlES Figure Explanation of other address input methods [Figure 10]

Claims (1)

[Scope of Claims] Reading means for reading a passbook or ID card to read at least its account number and account opening branch number; Transaction selection means for displaying at least an address change processing screen for changing an address on a display; When the above address change processing screen is displayed, a message prompting you to enter a postal code will be displayed on the display, and when the postal code is input from the operation means, the address including the name of the prefecture that corresponds to the postal code will be displayed on the display. a postal code input means for displaying a postal code on the display; a guide for inputting an address subsequent to the address displayed on the display on the display; when the subsequent address is input from the operating means, the address is displayed on the display; address input means to be displayed on the display, and the address displayed on the display by the postal code input means and the address input means, together with the account number and account opening store number read by the reading means, to be printed as address change data or transmitted to the host computer. A financial automation device characterized by comprising an output means for