JPH0441387B2 - - Google Patents

Description

[Detailed Description of the Invention] [Field of Application of the Invention] The present invention relates to an automated teller machine used in banks, etc., and particularly to an automated teller machine that is capable of reducing the number of transaction statements issued when a transaction is made. This invention relates to a possible automated teller machine.

[Background of the invention]

Conventional automated teller machines usually issue a transaction statement as proof of each transaction.
The transaction amount and balance are printed on this transaction statement, allowing users to check the results of their transactions.

On the other hand, in transactions using a passbook, the details of the transaction are printed on the passbook, so there is virtually no need to issue a statement of transactions.Furthermore, in the case of a simple balance inquiry, the balance is displayed on the display. It is considered that just displaying the statement is sufficient and issuing a statement of transactions is not necessary. In fact, in transactions such as those mentioned above, most users throw away their transaction statements on the spot, which not only generates a large amount of paper waste, but also causes the discarded transaction statements to be misused. There were also security issues.

[Purpose of the invention]

The present invention has been made in view of the above circumstances, and its purpose is to solve the above-mentioned problems in conventional automatic teller machines, actively suppress the issuance of transaction statements, and To provide an improved automatic cash transaction device which reduces consumption of paper and prevents crime.

[Summary of the invention]

In order to achieve the above object, the present invention provides an automated teller machine that automatically deposits and pays cash using cards and magnetic passbooks, and eliminates the need for users to submit transaction statements prior to transaction processing. A means for selecting, and a method for printing the transaction details and not displaying the transaction details when the essentials of the transaction statement are input by the selection means, and printing the transaction details when the unnecessary statement is inputted. A means for displaying transaction details is provided.

[Embodiments of the invention]

Embodiments of the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a perspective view showing the appearance of an automated teller machine which is an embodiment of the present invention. In the figure, 1
2 is the automatic teller machine body, 2 is the guidance display section, 3 is the operation section, 4 is the magnetic card insertion slot and transaction statement discharge slot, 5 is the bankbook insertion slot, 6 is the banknote payment slot,
7 indicates a banknote deposit slot.

The user usually operates the operation buttons on the operation section 3 according to the display on the guidance display section 2, inserts a magnetic card into the magnetic card insertion slot, and performs a transaction.

FIG. 2 shows the internal configuration of the automatic teller machine of this embodiment. In the figure, 2 and 3 indicate the same components as previously shown in FIG. 1, 8 is a control unit including a microprocessor, 9 is a magnetic card reader, 10 is a statement issuing unit, and 11 is a bill payment unit. , 12 indicates a passbook printing section, and 13 indicates a banknote deposit section, respectively. Note that this device has a communication control section 16.
connected to the center system via. Further, 17 indicates an external storage device.

FIG. 3 is a flowchart for a cash payment transaction. The details of the operation will be explained below with reference to FIGS. 2 and 3. In addition, Figure 3 and Section 4 below
In the displays shown in FIGS. 5 and 5, the above-mentioned transaction statement is displayed as "usage statement."

When the automatic teller machine shown in this embodiment is waiting for a transaction, the guidance display section 2 displays the display shown in 1 in FIG. 3. Here, when the user presses the payment button on the operation unit 3, a guidance as shown in FIG. 4 (same as in FIG. 3) is displayed. When a user needs a transaction statement, he inserts a magnetic card into the magnetic card reader 9, the contents of the magnetic card are read by the magnetic card reader 9, and the contents are checked by the microprocessor of the control unit 8. be done.

If the result of the above check is normal, a display as shown in FIG. 3 is displayed on the guidance display section 2, and an instruction is given to input the password. When the user inputs the PIN number from the operation unit 3, the control unit 8 compares the PIN read from the magnetic card with the PIN input from the operation unit 3, and if they match,
A display as shown in FIG. 3 is displayed on the guidance display section 2. When the user inputs the desired payment amount from the operation section 3, the control section 8 causes the transaction statement issuing section 10 to perform imprinting and pre-printing of the transaction amount, etc.

On the other hand, a display as shown in FIG. 3 is displayed on the guidance display section 2, and the automatic teller machine communicates with the center via the communication control section 16. When the communication control unit 16 receives a message from the center, the control unit 8 checks the received message. If the result of the check is normal, the banknote payment section 11 is instructed to count the banknotes. Further, information on the balance amount is sent to the transaction statement processing unit 10, and printing is performed afterwards.

When the above operation is completed, the magnetic card reader 9 is instructed to return the magnetic card, and the statement issuing unit 10 is instructed to release the statement. At the same time, a display as shown in FIG. 3 is displayed on the guidance display section 2. When the user takes out the magnetic card and the statement of transaction, the automatic teller machine then displays a display as shown in FIG. 3 on the guidance display section 2 while discharging bills from the bill payment section 11. .
When a user pulls out a banknote, a display as shown in FIG. 322 is displayed on the guidance display section 2, followed by a display as shown in FIG. 31, and the system waits for the next user.

The above has been explained for the case of a user who requires a transaction statement, but the process for a user who does not require a statement of transaction will be explained below according to the flowchart shown in Figure 5. do. Note that, in the following description, parts that overlap with the processing shown in FIG. 3 will be omitted as appropriate.

If the user presses the "Unnecessary" button when displaying 3 in Figure 4, the pre-transaction printing
Post-printing is not performed and transaction statements are not released.
As shown in FIG. 4, the journal of the transaction is stored in the external storage device 17 after communication with the center, and is left as evidence at a later date. Further, after the advance notice is given in FIG. 4, 19, a display as shown in FIG. 6 is made to inform the user of the balance amount information. Then, the banknotes are released and the next transaction is started.

In the description of the above embodiments, payment transactions were taken as an example, but it goes without saying that the present invention is not limited to this and can be similarly implemented in deposit transactions.

In addition, in the above example, an example was shown in which the fact that a transaction statement is not required is entered by clicking the "Unnecessary" button, but the information that a transaction statement is not required is stored in the magnetic card or passbook in advance. It is also possible to leave it in the same position, and in this case, the operability will be further improved.

In addition, in the above embodiment, the present invention is applied to an automatic teller machine that handles only banknotes, but the present invention is not limited to this, but can also be applied to an automatic teller machine that handles banknotes and coins. Needless to say, it is possible.

〔Effect of the invention〕

As described above, according to the present invention, automatic cash depositing and
In an automatic cash transaction device that performs automatic payments, a means for allowing a user to select whether or not a transaction statement is required;
By providing a means for displaying the details of the transaction when the selection means indicates that no transaction statement is required, it is possible to reduce the amount of transaction statement paper, omit the process of generating unnecessary transaction statements, and make it suitable for unmanned operation. This not only makes it possible to realize an automated teller machine, but also has the remarkable effect of preventing the occurrence of crime.

[Brief explanation of drawings]

FIG. 1 is a perspective view showing the appearance of an automated teller machine which is an embodiment of the present invention, FIG. 2 is a diagram showing its internal configuration, FIGS. 3 and 5 are processing flowcharts, and FIGS. FIG. 6 is a diagram showing the display screen of the guidance display section. 2: Guidance display section, 3: Operation section, 4: Magnetic card insertion slot/statement discharge slot, 5: Passbook insertion slot, 6: Banknote payment slot, 7: Banknote deposit slot, 8: Control unit, 9: Magnetic Card reader, 10: Statement issuing section, 11: Banknote payment section, 12: Passbook printing section, 1
3: Banknote deposit unit, 16: Communication control unit, 17: External storage device.

Claims (1)

[Claims] 1. In an automated teller machine that automatically deposits and pays cash using a card or magnetic passbook, means for allowing a user to select whether or not a transaction statement is required prior to transaction processing. If the essentials of the transaction statement are input using the selection means, the transaction details will be printed and the transaction details will not be displayed, and if the transaction statement is not required, the transaction details will not be printed. What is claimed is: 1. An automated teller machine comprising: a means for displaying transaction details;