JP2000020819A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To quickly execute a procedure for settling plural fixed accounts to a new fixed account by one time of operation on a screen by displaying all the fixed accounts of a customer on the screen, selecting the fixed accounts required to be settled, designating a period for a new fixed account and settling those fixed accounts to the new fixed account. SOLUTION: A customer selects fixed accounts to be settled by understanding an operation procedure according to an operation explanatory words 165 and pressing a fixed account selection button 166 on a selection screen 160 of the fixed accounts to be settled. Then, the selected fixed accounts are clarified to the customer. At the time of ending the selection, the customer presses a confirmation button 164 and then, communicates with a host computer. Then, the customer confirms the settlement period and further, confirms a period and the rate of interest after the settlement. Then, the customer confirms the fixed accounts to be settled again, finally confirms the content of the fixed account after the settlement and then, communicates with the host computer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus provided in a bank or the like for performing automatic payment of bills and the like and other transactions relating to an account.

[0002]

2. Description of the Related Art In recent years, for depositing and withdrawing procedures at banks and other procedures relating to accounts, automatic transaction apparatuses connected online to a head office or the like and networked are often used. In such an automatic transaction device, even if an attendant is absent based on the card owned by each individual, it is necessary to follow the instructions on the screen for the automatic transaction device and perform cash deposit, withdrawal operation and other procedures related to the account. Can be.

[0003] As for time deposits handled by such an automatic transaction apparatus, "interest rate, expiration date, expiration date" and the like are designated for each deposit (one term account). Each time you make a term deposit, the term account increases. Each recurring account is managed independently. Therefore, in order to combine term accounts with different maturity dates into one term account, it is necessary to newly deposit a term deposit after canceling (expiring) each term account. In addition, since the fixed accounts to be collected usually have different maturity dates, it is necessary to wait for all fixed accounts to be collected (maturity), and the customer needs to cancel the fixed period and make a fixed deposit over multiple days. There is.

[0004]

Therefore, when a plurality of periodic accounts are consolidated into one periodic account by an automatic transaction apparatus,
There are the following problems.

[0005] Cancellation procedures are required for all fixed accounts to be collected. For this reason, it is necessary to wait for all of the periodic accounts to be collected to be canceled before performing a collection procedure. Therefore, the surplus funds cannot be used effectively during such a procedure.

[0006] In other words, when combining a plurality of time periods into a new one time period, the periodical cancellation procedure and the time deposit procedure are not performed at once, and it is necessary to perform these procedures a plurality of times. In addition, there is a problem that it becomes very complicated.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and has an automatic transaction in which a procedure for collecting a plurality of periodic accounts into a new periodic account can be quickly executed by a single operation on a screen. It is intended to provide a device.

[0008]

SUMMARY OF THE INVENTION The present invention provides an account designating means for displaying a plurality of recurring accounts of a customer and designating two or more of these recurring accounts in order to combine them into a new recurring account. When combining the two or more periodic accounts specified by the above into the new periodicity, the period specifying means for specifying the new periodicity period, and the two or more periodic accounts specified by the account specifying means, An automatic transaction device comprising: a collecting means for collecting the new term account in a period designated by the term designating means.

According to the present invention, with the above-described structure, a process of combining a plurality of regular periods, which conventionally required a plurality of procedures at a later time, into a new regular period is intended to be performed at once on the screen of the automatic transaction apparatus. Things. To do this,
All the customer's period is displayed on the screen, a period that needs to be collected is selected, a period is specified for the new period, and the period is collected to this new period account. As a result, this routine consolidation process, which previously required the separate procedure of canceling multiple periodic accounts and confirming that the termination has been completed, and then opening a new periodic account, was required. It can be easily performed on the screen of the automatic transaction device. In addition, by selecting a new period, a rate corresponding to the period is necessarily selected.

Further, the present invention provides an account designating means for displaying a plurality of periodic accounts of a customer and designating two or more of these periodic accounts in order to combine them into a new periodic account according to a numeric key pressed by the customer. And when combining the two or more periodic accounts into the new periodicity by the account specifying means, a period specifying means for specifying the new periodicity period; and the two or more periodic accounts specified by the account specifying means. And a collecting means for collecting the new term account in the period specified by the period specifying means.

According to this automatic transaction apparatus, when a customer presses a numeric key corresponding to a plurality of periodic accounts, a periodic account to be canceled and unified is selected. As a result, unification of the periodic account is smoothly performed.

Further, the present invention displays a plurality of periodic accounts of a customer, and the customer designates two or more periodic accounts among the plurality of periodic accounts on a screen, so that the designation is made to be integrated into a new periodic account. An account designating means for performing, a term designating means for designating a period of the new term when the two or more term accounts are combined into the new term by the account designating means, and the two designated by the account designating means. An automatic transaction device comprising a collecting means for collecting the above-mentioned periodic account into the new periodic account in a period specified by the period specifying means.

With such a structure, the customer can designate two or more periodic accounts to be unified from the plurality of periodic accounts displayed on the screen by, for example, selecting an icon on the screen with a finger. Thus, the process of unifying the periodic account is smoothly performed. The present invention also provides a mode setting means for displaying and selecting a mode for collecting a plurality of periodic accounts into a single periodic account together with other transaction modes,
When the collection mode is selected by the customer by the collection mode selection means, a plurality of periodic accounts of the customer are displayed, and an account specification for designating two or more of these periodic accounts to collect a new periodic account. Means, when combining the two or more periodic accounts into the new periodicity by the account specifying means, a period specifying means for specifying the new periodicity period, and the two or more periodicities specified by the account specifying means. An automatic transaction device comprising: a collecting means for collecting accounts into the new periodic account in a period specified by the period specifying means.

With such a structure, the present invention is to display on a transaction mode selection screen, for example, a customer can select a regular account collection process as a transaction option as in the case of a depositing process or a dispensing process. This allows customers to
It is possible to smoothly perform the procedure for the collection processing in the same manner as the payment processing and the payment processing.

[0015] The present invention also provides an account designating means for displaying a plurality of periodic accounts of a customer and designating two or more periodic accounts in order to combine them into a new periodic account; When collecting the periodic accounts of the new period, a period specifying unit that specifies the period of the new period, an execution date specifying unit that specifies an execution date of the collection process to the new period, and the account specifying unit specify Said two or more periodic accounts to the new periodic account in the period specified by the period specifying means,
An automatic transaction device comprising: a collecting means for collecting data on an execution date designated by the execution date designating means.

Further, according to the present invention, by designating the execution date of a new periodic account as a collection destination by the above-described structure, the collection is not simply performed on the day when the collection operation is performed, but the desired date and time are set. Can be specified. As a result, the customer can collect the information at a desired date and time, and can open a new periodic account with the desired date and period.

The present invention also provides an account designating step of displaying a plurality of periodic accounts of a customer and designating two or more of these periodic accounts in order to combine them into a new periodic account; and When collecting the two or more periodic accounts into the new periodic period, a period specifying step for specifying the new periodic period, and the two or more periodic accounts specified in the account specifying step, the period specifying And a collecting step of collecting the new periodic account for a period designated in the step.

According to the automatic transaction method of the present invention, a procedure for quick collection can be performed in the same manner as in the automatic transaction device.

The present invention also provides an account designating step of displaying a plurality of recurring accounts of a customer and designating two or more of the recurring accounts to combine them into a new recurring account in accordance with a numeric key pressed by the customer. And when collecting the two or more periodic accounts into the new periodicity in the account specifying step, a period specifying step for specifying the new periodicity period; and the two or more specified in the account specifying step. A collecting step of collecting a fixed term account into the new fixed term account in a period designated by the term designating step.

According to this automatic transaction method, similarly, when the customer presses a numeric key corresponding to a plurality of periodic accounts, the periodic account to be canceled and unified is selected, so that the unified periodic account can be unified. It will be done smoothly.

Further, the present invention displays a plurality of periodic accounts of a customer, and the customer designates two or more periodic accounts among the plurality of periodic accounts on a screen, so that the designation is made to be integrated into a new periodic account. An account specifying step to be performed, a period specifying step for specifying the new period of time when the two or more periodic accounts are collected into the new periodic period in the account specifying step, A collecting step of collecting the two or more periodic accounts into the new periodic account in a period specified by the period specifying step.

In this automatic transaction method, similarly, the customer selects two or more periodic accounts to be unified from a plurality of periodic accounts displayed on the screen by, for example, using an icon on the screen with a finger. Thus, the process of unifying the periodic account is quickly performed.

Also, the present invention provides a collecting mode selecting step of displaying and selecting a mode for collecting a plurality of periodic accounts into a single periodic account together with other transaction modes, and the collecting mode is selected by the customer in the collecting mode selecting step. When selected, the customer's multiple recurring accounts are displayed, and an account designating step of designating two or more of these recurring accounts to be consolidated into a new recurring account; and When collecting the term accounts into the new term, a term designation step for designating the new term term, and the two or more term accounts designated in the account designation step are designated by the term designation step. And a collecting step of collecting the new term account during a period.

In such an automatic transaction method, similarly, for example, as in the case of the deposit processing and the withdrawal processing, the customer can select the regular account collection processing as a transaction option.
This is displayed on the transaction mode selection screen. As a result, the customer can smoothly perform the procedure for the collection processing in the same manner as the payment processing and the payment processing.

The present invention also provides an account designating step of displaying a plurality of periodic accounts of a customer and designating two or more periodic accounts in order to combine them into a new periodic account. When collecting the periodic accounts of the new period, a period specifying step of specifying the period of the new period, an execution date specifying step of specifying an execution date of the collection process to the new period, and the account specifying step A collecting step of collecting the specified two or more periodic accounts into the new periodic account in the period specified by the period specifying step, to the execution date specified in the execution date specifying step. This is an automatic trading method.

Also in this automatic transaction method, similarly, by designating the execution date of a new periodic account as a collection destination, the collection is not simply performed on the day when the collection operation is performed, but the desired date and time are set. Can be specified. As a result, the customer can collect the information at a desired date and time, and can open a new periodic account with the desired date and period.

[0027]

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

FIG. 1 is a schematic diagram showing an external appearance of an ATM device as a sheet management apparatus provided with a locked sheet storage according to an embodiment of the present invention.

The ATM device 1 includes a device body 2 as a housing.
And an operation unit 3 arranged on the front surface of the apparatus main body 2.

A bill depositing / dispensing port 4 used for depositing or dispensing bills is provided on a horizontal surface 3a of the operation unit 3. The banknote pay-in / pay-out port 4 is formed so that a large number of banknotes can be put in or taken out at once.

A user may be unexpectedly caught in the upper part of the bill receiving / dispensing port 4 while the deposited bill is taken into the apparatus main body 2 and the bill to be dispensed is conveyed to the deposit / payment port 4. A door 5 for preventing undesired foreign matter from being thrown in is arranged to be openable and closable.

On a horizontal surface 3a of the operation unit 3, a color CRT having a touch sensor (not shown) integrated therein is also integrated.
A display unit 6 is provided.

The CRT display unit 6 displays the operation procedure and other information by using illustrations, characters or words on the CRT.
It will be displayed on the screen to guide the user,
Amount to be deposited or withdrawn, account number, transaction approval,
A touch sensor (not shown) detects that a display portion corresponding to confirmation or cancellation has been pressed, and outputs a signal corresponding to a main control device described later.

A card slot 7 for inserting a magnetic card (not shown) as a transaction medium on which a personal identification number and an account number are recorded, and a passbook for inserting a passbook (not shown) are provided on the vertical surface 3b of the operation unit 3. An insertion slot 8 and a coin depositing / dispensing slot 9 into which a metal coin (not shown), that is, a coin, is inserted are provided.

FIG. 2 is a block diagram schematically showing the connection between each section in the apparatus main body 2 of the depositing / dispensing apparatus 1 shown in FIG. 1 and a corresponding control circuit.

As shown in FIG. 2, the apparatus main body 2 has an AT
Main controller 1 composed of, for example, a CPU for controlling the entire M apparatus
1. A magnetic card reader unit 12, which takes in a magnetic card A inserted from a card insertion slot 7 and reads account information such as an account number and a type from a magnetic stripe unit arranged at a predetermined position of the magnetic card A; A passbook printing unit 13 for reading the magnetic stripe portion of the passbook B inserted from the mouth 8 and recording the transaction contents on the passbook B and journal paper (not shown) is provided.

The apparatus main body 2 also takes in the bills P inserted from the outside into the banknote pay-in / pay-out port 4, counts them, and then conveys them to a safe, which will be described later, of the apparatus main body 2 according to a predetermined routine. A banknote depositing / dispensing unit 14 which takes out a number of banknotes P from the safe and pays them out to the deposit / withdrawal port 4, accepts the coin C inserted into the coin depositing / dispensing port 9, and coins corresponding to an amount of 1000 yen or less as a result of the transaction And a coin receiving / dispensing unit 15 for paying out a specified number of coins C to the coin receiving / dispensing port 9, a customer service unit 16 constituted by a display unit 5 comprising a color CRT and a touch sensor, and an internal monitor for attendants, A staff operation unit 17 having a keyboard is provided.

The main unit 2 further includes a main controller 11.
A transmission control unit 20 for controlling data transmission between the host computer and a not-shown host computer; information on a financial institution required for the transfer transaction, for example, a floppy disk not shown as a data file in which bank names and branch names are recorded in the order of the Japanese syllabary A floppy disk drive 21 for receiving and reading a disk, and a power supply unit 22 are provided. The power supply unit 22 supplies power to all units in the apparatus main body 2 although not shown for simplicity of the drawing.

The main controller 11 is connected to a remote monitor 23 for staff members provided outside. Then, by the clerk operation unit 17 and the remote monitor 23,
Processing such as replacement of the balance of the banknotes P held inside the apparatus main body 2, replacement of the loader (that is, replenishment of banknotes), and replenishment of journal sheets is instructed.

Next, the configuration and arrangement of each unit inside the apparatus main body 2 will be described with reference to FIG. FIG. 3 is a schematic configuration diagram of the depositing and dispensing device 1 shown in FIG. 1 as viewed from the side.

According to FIG. 3, a depositing / dispensing unit 14 is arranged at a front portion inside the apparatus main body 2. In FIG. 3, the banknote pay-in / pay-out port 4 is located in the direction of the customer service section of the pay-in / pay-out unit 14 (upper left side in the figure).

A bill storage chamber (hereinafter, referred to as a hopper) 31 for collectively storing the bills P inserted into the deposit and withdrawal port 4 is disposed below the bill deposit and withdrawal port 4.

Below the hopper 31, there are a front and back sorting unit 32 for aligning the front and back of the bills P, and a take-out roller 33 and a take-out device 34 for guiding the bills P inserted into the hopper 31 to the front and back sorting unit 32 one by one. Is provided.

One wall surface of the hopper 31 (left side in the figure)
Is formed as a backup 35 that can move in parallel to the facing wall surface (right side in the figure). The backup 35 changes the capacity of the hopper 31 by being moved to a predetermined position in the direction indicated by the arrow, and stores the banknotes P inserted into the banknote pay-in / pay-out port 4 into a later-described storage unit of the apparatus main body 2. When the paper P is taken into the
It is used as a pressure member for pressing against the third side.

When the user inserts the bill P and pays out the bill P to the user, the hopper 31 outputs the bill P
Is set to stand vertically in the horizontal direction, and when the banknote P is taken into the storage section (described later) in the apparatus main body 2 and when the banknote P is paid out to the hopper 31, the banknote P is laid horizontally. Rotate 90 degrees so that

The back side of the deposit / withdrawal unit 14 (right direction in the figure)
Includes the type and heterogeneous mixture of banknotes P, stacked conveyance, dirt,
It is possible to check front and back, damage, etc. one by one, and among the bills received by the hopper 31, reusable bills for paying out (withdrawing) (hereinafter referred to as recycled tickets).
There is provided a banknote inspection device 36 for separating banknotes that are determined to be unsuitable for reuse (hereinafter referred to as rejected tickets).

Further, a control section 37 containing the main control device 11, the transmission control section 20, the floppy disk drive 21, and the like already described with reference to FIG.

At a substantially central portion of the deposit and withdrawal unit 14, there is provided a depositing / temporary accumulating section 38 for temporarily holding the bills P inserted into the hopper 31 of the bill depositing and dispensing port 4. In addition,
The capacity of the deposit temporary accumulation unit 38, that is, the number of bills that can be stored is set to, for example, 700.

A rejected note rejected by the inspection device 36 of the deposited banknotes P is temporarily accumulated between the deposit temporary accumulation section 38 and the hopper 31 and returned to the hopper 31 at a predetermined timing. A payment reject accumulation unit 40 is provided. Note that the deposit reject accumulation unit 40 has a roller 41 that is formed so as to rise when the reject ticket is returned.
When all the banknotes P inserted into the hopper 31 in the operation are inspected by the inspection device 36, the deposit rejection ticket P is returned to the hopper 31 by a reject conveyance path provided by raising the roller 41.

A first safe 50, a second safe 51, and a third safe are located below the deposit / withdrawal unit 14 and approximately in the center of the apparatus main body 2 in order from the side of the deposit / withdrawal port 4 (hopper 31). 52 are arranged. Normally, the first safe 50 and the second safe 51 store bills of a large face value, for example, 10,000 yen bills, and the remaining third safe 52 stores bills of a small face value, for example, 1,000 yen bills. Is stored.

The capacities of the first and second safes 50 and 51, that is, the storable number are, for example, 2,70, respectively.
It is set to 0 sheets. The capacity of the third safe 52 is formed to 2,000 sheets.

Each of the first to third safes 50 to 52 has, at its upper end, a roller 5 as a bill taking-in means.
3a, 53b, 53c and rollers 54a, 54b, 54c as banknote take-out means. Banknotes P deposited by the user are stored in safes 50 to 52, and a predetermined number of banknotes are stored in response to a payout request. Cash can be withdrawn from the safes 50 to 52.

That is, the first to third safes 50 to 5
Reference numeral 2 denotes a safe for receiving and storing, for example, banknotes required for dispensing at the time of opening of a bank from a loading storage described later, and storing the banknotes deposited by the user as a recycling ticket for reuse. It is also used as a recycle store.

The motor M as a drive source and the driving force generated by the motor M are applied to various conveyor belts or rollers in the apparatus main body 2 in the direction of the customer service surface of the deposit / withdrawal unit 14 (left direction in the figure). Although a driving force transmission system for transmitting a driven element (not described in detail) is provided, these are omitted for simplification of description.

At the back upper part (right direction in the figure) of the depositing and dispensing unit 14, first and second two reject boxes 60 and 61 are vertically stacked. Reject cassettes 62a and 62b, which are substantially the same and are detachably formed in the respective reject boxes, are mounted on the respective reject boxes 60 and 61 one by one. Note that the first and second reject boxes 60 and 61 have substantially the same structure.

At the lower part of the second reject box 61, there is provided a collecting section 63 for holding bills that the user has left in the hopper 31.

At the lower part of the collecting section 63, a loading storage section 64 for storing a loading storage 65 for externally replenishing the bills P for payout is provided. Storage section 64
Has a mechanism in which the loading case 65 is detachably formed, and is limited to a transfer operation of the banknote P to the cash slot 4 for accepting or paying out the banknote P from the cash slot 4 as necessary. The banknotes P can be replenished to the ATM device 1 from outside without the need. Here, the capacity of the loading storage 65, that is, the number of bills that can be stored is 2,000.

In this embodiment, the safes 50-52
Among the safes 50 and 51, the capacities of the safes 52 and 51 are set to be larger than that of the safe 52 by an amount formed below the level demarcated by the broken line TH. This meaning will be explained later.

The depositing and dispensing unit 14 has a plurality of bill transport paths R1 formed by driven elements (not shown) such as various transport belts and rollers to which a driving force generated by a motor M as a driving source is supplied. To R9 and R11 to R19.

Next, various processes of the banknote P by the ATM device 1 and the operation inside the device main body 2 will be described. [Payment] FIG. 3 shows the flow of banknotes when the banknotes are deposited into the ATM device 1.

In FIG. 3, bills P, which have been collectively inserted into the hopper 31 by the user through the bill depositing / dispensing port 4 as a deposit object, are transported from the take-in roller 33 through the route indicated by the solid line arrow to the transport path R1. Through the front conveyance path R2 of the section 32 and the conveyance paths R4 to R8, the sheet is guided to the deposit temporary accumulation section 38.

At this time, the rejected ticket P which could not be read by the bill inspection device 36 provided downstream of the transport path R6
As shown by the dashed arrow on the way from the transport path R7 to the transport path R8, is branched at the transport path R12, guided to the deposit reject accumulation unit 40, and temporarily accumulated. The deposit reject ticket P accumulated in the deposit reject accumulating unit 40 is formed by raising the roller 41 at a predetermined timing after all the banknotes P inserted into the hopper 31 are inspected by the inspecting device 36. And is collectively returned to the hopper 31 by the transfer path R13. In this case, the door 5 is opened under the control of the main control device 11, and a message prompting the user to re-enter is displayed on the CPT display unit 6.

When all the deposited banknotes P are normally read, all of the inserted banknotes P are transferred to the depositing temporary accumulating section 38.
Is temporarily accumulated in the main controller 11 and controlled by the main controller 11.
The total payment amount is displayed on the RT display section 6.

Subsequently, the user confirms the total amount of the deposit, and if correct, presses the [confirmation] display of the touch sensor of the CRT display unit 6, so that the banknotes P temporarily accumulated in the deposit temporary accumulation unit 38. Is taken into the entrance of the transport path R9 from the deposit temporary accumulation section 38, as indicated by the solid arrow in FIG.
The sheets are sequentially conveyed one by one toward the first to third safes 50 to 52 via the conveyance paths R6, R7, R8, R11 and R1 to R4.

The banknotes P conveyed to the first to third safes 50 to 52 are transferred to the conveyance path R5 and the main controller 1
For example, a first safe 50 or a first safe 50 or a banknote take-out roller 53a-53c and a banknote take-out roller 54a-54c arranged corresponding to each safe, which are selectively operated by the control of FIG. Bills are stored for each type of banknote, such as a 10,000 yen bill in the second safe 51 and a 1,000 yen bill in the third safe 52.

The first and second safes 50 and 51 store the same kind of banknotes P, for example, 10,000 yen. The first safe 50 has 2,000 sheets, the second safe 51 has 2,000 sheets, the first safe has 700 sheets, and the second safe has 700 sheets. Are stored separately. It should be noted that the number of banknotes P stored in any of the first and second safes 50 and 51 exceeds 2,000, which means that the main controller 1
1 is stored in a memory (not shown).

A rejected ticket such as a banknote with a denomination of 5,000 yen and a damaged banknote is indicated by a broken line R12 in FIG.
Via R14, one of the predetermined first and second reject boxes 60 and 61, for example, is stored in the reject cassette 62a of the first reject box 60. In this case, whether to use the reject storage 60 or 61 for storing the reject ticket is set by the attendant using the attendant operation unit 17 already described with reference to FIG. 2 or connected via the transmission control unit 20. It can be changed by a command from a host computer (not shown).

At the time of the above-mentioned deposit operation, if the banknote P returned to the hopper 31 as a rejected ticket by the inspection device 36 is not taken out of the hopper 31 even after a lapse of a predetermined time, the control of the main controller 11 is performed. Is determined to be "forgot to take", and stored in the collection unit 63. In this case, the rejected tickets temporarily returned to the hopper 31 are transported one by one by the take-out roller 33 as shown in FIG.
1 and sequentially transported along the transport path R2, the transport paths R4 to R7, the transport path R12, the transport path R14, and the transport path R15, guided to the collection unit 63, and stored. [Payment] FIG. 5 is a diagram showing the flow of bills when dispensing bills, similarly to FIGS.

In FIG. 2, when the magnetic card A is inserted into the card insertion slot 7 of the operation unit 3 by the user, the data read from the magnetic card read unit 12 is transferred to the main control unit 11.
Under the control of the main controller 11, a message prompting the input of a personal identification number and numeric keys "0" to "9" for input by the touch sensor are displayed on the CRT display unit 6. When the personal identification number is input, the personal identification number stored in the host computer (not shown) is collated with the input personal identification number under the control of the transmission control unit 20, and the main password is input on condition that the correct personal identification number is input. Under the control of the control device 11, a message for accepting withdrawal, that is, a payout request, is displayed on the CRT display unit 6.

In this state, a user's request for payout is permitted, and a message prompting the CRT display unit 6 to input a payout amount, and a predetermined control used to determine the numbers “0” to “9” and conditions are provided. The key is displayed.

When the amount to be paid out is entered by the user together with the designation of the denomination, the first safe 50 or the second safe 51 and the third safe 52 are controlled by the main controller 11. The disposed banknote take-out rollers 54a to 54c are selectively urged, and the number of banknotes corresponding to the requested amount is discharged from the safes 50 to 52 and guided to the transport path R5.

At this time, if the kind of the bill P to be paid out is, for example, a 10,000-yen bill stored in the first and second safes 50 and 51, the capacity of the first safe 50 is 2,700.
Of the banknotes corresponding to the capacity of the loading storage 65 (TH = 2000) among the banknotes P1 and P2 exceeding the number of banknotes.
And the number of banknotes corresponding to the capacity of the loading storage 65 in the capacity (2,700) of the second safe 51 is P3, and this P3
Assuming that P4 exceeds P4, payment is made in the order of P4, P3, P2, and P1, which is the reverse of the payment, under the control of the main controller 11. Thereby, for example, when the banknotes stored in the first and second safes 50 and 51 are transferred to the loading storage 65 for close inspection, the banknotes are taken out in the same order, so that the banknotes are loaded during the transfer operation. The frequency at which inconvenience such as the closeup being stopped due to the fullness of the storage 65 is greatly reduced.

In this manner, the predetermined number of bills to be dispensed guided to the transport path R5 are transported by the transport path R6, the transport path R
7, transported sequentially along the transport path R12 and the transport path R13,
The hopper 31 is supplied. Subsequently, the door 5 of the deposit / withdrawal port 4 is opened, and a message prompting the removal of the paid-out banknotes is displayed on the CRT display unit 6.

By the way, at the time of payout, the main unit 2
The banknotes damaged by the internal belts or rollers are separated by the inspection device 36 on the way from the transport path R6 to the transport path R7, and are sent from the transport path R12 to the transport path R14 as shown by the dashed arrow in FIG. Then, it is stored in a predetermined reject cassette 62a of the first reject storage 60, for example.

At the time of the payout operation described above,
If the banknotes P to be paid out and sent to the hopper 31 are not taken out of the hopper 31 even after the lapse of a predetermined time, the banknote P is determined to be “forgotten” by the control of the main controller 11 and is stored in the collection unit 63. . In this case, the payout bills in the hopper 31 are guided one by one to the transport path R1 by the take-out roller 33, and are sequentially transported through the transport path R2, the transport paths R4 to R7, the transport path R12, the transport path R14, and the transport path R15. To the collection unit 63.

An automatic transaction apparatus having the above-described structure and further having a function of collecting a plurality of periodic accounts, which is a feature of the present invention, will be described below in detail with reference to the drawings.

FIG. 18 is a flowchart showing a transaction for collecting time deposits. FIG. 6 shows a term deposit collection transaction selection screen (S200). First, on the customer waiting screen 110, the customer can select and execute a transaction to be executed by the automatic transaction device with the transaction selection button 111. Here, by pressing the time deposit collection transaction selection button 120, the time deposit collection transaction is selected 130
Then, the processing makes a transition to FIG.

FIG. 7 is a diagram showing a screen 140 for designating a periodic account to be collected. On this screen, a cancel button 141 for canceling a transaction, a ten key 142 for the customer to input, and a correction button 14 for correcting the input content
3. A confirmation button 144 for designating the input content is shown. The customer can understand the operation procedure by the operation explanation wording 145, and can confirm the already-specified fixed account by displaying the specified fixed account 146. The display 147 indicates the number of the currently specified statement.
You can check the serial number (serial number) of the regular account being entered. Then, the designated transaction number is displayed on the display 148 with the transaction number input by the ten keys 142, and after the input, the confirmation button 144 is pressed to transit to FIG. 8 (S210, S210).
220). FIG. 8 shows a continuation confirmation screen 150 for specifying a regular account.
FIG. 19 is a screen of the embodiment shown in the flowchart of FIG. On this screen, there is a cancel button 151 for canceling the transaction. The customer understands the operation procedure based on the operation explanation wording 154, and shifts to FIG. 7 again by pressing the Yes button 152. On the other hand, no button 1
By pressing 53, the customer inserts a passbook (S230), communicates with the host after inserting the passbook (S240), and transits to a collection time confirmation screen shown in FIG. 12 (S250).

FIG. 12 is a diagram showing a collection time confirmation screen 91. This screen has a cancel button 191 for canceling the transaction and a confirmation button 192 for designating that the contents have been confirmed. The customer understands the operation procedure based on the operation explanation wording 193, and recognizes a notable item by the collection date title 194. After confirming the contents displayed on the collection date 195, the confirmation button 1
The user then presses 92 to transit to FIG. 13 (S260).

FIG. 13 shows a period / rate selection screen 200 after the collection. This screen has a cancel button 201 for canceling the transaction. The customer understands the operation procedure based on the operation explanation wording 203, and selects the period / rate selection button 20.
A desired item is selected from the deposit period 204 and the deposit interest rate 205 displayed in 2 and designated by pressing a period / rate selection button 202. When the period / rate selection button 202 is pressed, the process transits to FIG. 14 (S27).
0).

FIG. 14 shows a regular content confirmation screen 210 to be collected. Here, all the periodic accounts specified in FIG. 8 are confirmed. This screen has a cancel button 211 for canceling the transaction. The customer enters the operation explanation word 215
To understand the operation procedure and confirm the contents displayed under the regular account heading 216 to be compiled. There is an item heading 217 for detailed contents to supplement the display items. The detailed contents to be displayed include the serial number 218 of the detailed statement, the transaction number 219 specified at the top of each detailed statement, the amount 220,
It comprises an interest rate 221 and an expiration date 222. If the details to be displayed cannot be displayed on one screen, they are displayed on a plurality of screens. In that case, the previous candidate 213 or the next candidate 21
4 is used to switch the display contents. If the customer confirms that there are no mistakes in the content, he or she presses the confirmation 212 and transits to FIG. 17 (S280).

FIG. 17 shows a periodic content confirmation screen 240 after collection. This screen has a cancel button 241 for canceling the transaction. The customer operates the operation explanation message 24.
3 to understand the operation procedure, and confirm the contents shown below the fixed account heading 144 after the collection. The display items indicate the amount of the fixed time deposit after the collection in the amount 245, the period for depositing the fixed time deposit in the period 246, the interest rate of the fixed time deposit after the collection in the interest rate 247, and the collection date 248. Shows the collection date confirmed in FIG. When the customer confirms that there is no mistake in the contents from the amount 245 to the collection date 248, the confirmation 242 is pressed. After pressing, the host communicates with the host (S290), writes the transaction result in the passbook, returns it to the customer (S300), and ends the transaction.

Further, another embodiment will be described in detail with reference to FIG. FIG. 19 is a flowchart showing another consolidation transaction of time deposit. FIG. 18 shows four steps: passbook insertion S230, communication with the host S240, unifying periodic account selection S290, and communication with the host S240.
The procedure is different, but the other procedures are the same. Hereinafter, different points will be described with reference to the drawings.

In these flowcharts, in FIG. 6, after the selection transaction of the time deposit is selected 130 (S2
00), the customer inserts a passbook (S230), communicates with the host after the passbook is inserted (S240), and transits to FIG. 9 (S310).

FIG. 9 shows a screen 160 for selecting a periodic account to be collected. On this screen, there is a cancel button 161 for canceling the transaction. FIG. 10 shows a screen for selecting a periodic account to be collected. FIG. 10 shows (a) a selection screen 180 when there is a previous screen / next screen, and (b) a confirmation screen 181 when there is a previous screen / no next screen. Have been. FIG.
Shows a selection screen of a periodic account to be collected, (a) a selection screen 182 when there is no previous screen / the next screen, and (b) a confirmation screen 183 when there is no previous screen / the next screen.

The customer understands the operation procedure based on the operation explanation wording 165, selects a periodic account to be collected by pressing the periodic account selection button 166, and sends the selected periodic account to the customer as at the time of selection 172. Explicitly indicate that it has been selected. The transaction number 168 added to each periodic account is displayed on the periodic account selection button 166. Following the periodic account selection button 166, the periodic content 167 selected by the selection button is displayed. The periodic content 167 includes an amount 169, an interest rate 170, and an expiration date 171. Each item is displayed. Further, when the selectable periodic account cannot be displayed on one screen, it is displayed on a plurality of screens (S2).
10, S220). In that case, the previous screen 162 or
The display contents are switched on the next screen 163. When the customer has completed the selection, the user presses the confirmation button 164, and after pressing, communicates with the host computer (S240). Next, a transition is made to FIG. 12 to check the collection time (S250),
Further, the customer selects the period and interest rate after the collection (S260). Then, the periodic account to be collected again is confirmed (S270), and the periodic content of the finalization is finally confirmed (S280), and communication with the host is performed (S270).
290). In the host computer, when the desired data processing is completed and the collection of the periodic accounts is completed, the passbook is returned (S300), and all the processing is completed.

At this time, FIG. 15 shows a screen for confirming the contents of the regular period to be collected. (A) A confirmation screen 230 when there is a previous candidate / the next candidate, and (b) A case where there is a previous candidate / no next candidate. A confirmation screen 231 of FIG.
Is a regular content confirmation screen to be compiled, in which (a) a confirmation screen 232 when there is no previous candidate / next candidate, and (b) a confirmation screen 233 when there is no previous candidate / no next candidate. .

[0088]

As described above, according to the present invention, a plurality of periodic accounts can be selected by a customer on a screen of an automatic transaction apparatus.
Furthermore, by designating the period of a new periodic account, periodic collection can be performed for a plurality of periodic accounts.
As a result, unlike the related art, it is not necessary to perform the cancellation procedure for all the periodic accounts to be collected. Therefore, there is no need to wait for all the periodic accounts to be collected to be canceled and then perform a collection procedure. Therefore, the surplus funds can be effectively utilized during such a procedure.

[Brief description of the drawings]

FIG. 1 is a schematic perspective view showing the appearance of an ATM device to which an embodiment of the present invention is applied.

FIG. 2 is a block diagram showing functions of the ATM device shown in FIG.

FIG. 3 is a schematic diagram showing a flow of banknotes at the time of depositing money in the ATM device shown in FIG. 2;

FIG. 4 is a schematic diagram showing the flow of banknotes related to the flow of banknotes in the ATM device shown in FIG. 3;

FIG. 5 is a schematic diagram showing a flow of bills at the time of dispensing in the ATM device shown in FIG. 3;

FIG. 6 is a time deposit selection transaction selection screen according to the present invention.

FIG. 7 is a front view of a screen for designating a periodic account according to the present invention.

FIG. 8 is a front view of a continuation confirmation screen for designating a periodic account according to the present invention.

FIG. 9 is a front view of a screen for selecting a periodic account to be collected according to the present invention.

FIG. 10 is a front view of a screen for selecting a periodic account to be collected according to the present invention.

FIG. 11 is a front view of a screen for selecting a periodic account to be collected according to the present invention.

FIG. 12 is a front view of a confirmation screen of a collection time according to the present invention.

FIG. 13 is a front view of a confirmation screen of a collection time according to the present invention.

FIG. 14 is a front view of a period / rate selection screen after collection according to the present invention.

FIG. 15 is a front view related to a screen for periodic content confirmation according to the present invention.

FIG. 16 is a front view of a screen for confirming the contents of a regular period according to the present invention.

FIG. 17 is a front view of a screen for confirming the contents periodically after collection according to the present invention.

FIG. 18 is a flowchart showing a collecting procedure according to the present invention.

FIG. 19 is a flowchart relating to another collection procedure according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... ATM apparatus 2 ... Device main body 11 ... Main control device 14 ... Banknote deposit / withdrawal unit 17 ... Staff operation part 22 ... Power supply part 36 ... Banknote inspection device 38 ... Payment temporary accumulation part 40 ... Payment reject accumulation part 50-52 ... Safe 53 ... Bill taking-in roller 54 ... Bill take-out roller 65 ... Loading room 110 ... Customer waiting screen 140 ... Screen for specifying the periodic account to be collected 150 ... Continuation confirmation screen for specifying the periodic account 160 ... Selection screen for the periodic account to be collected 180 ... Previous screen / Selection screen with next screen 181 ... Selection screen with previous screen / no next screen 182 ... Selection screen with no previous screen / next screen 183 ... Selection screen without previous screen / no next screen 190: Screen for confirming the collection time 200: Period / interest selection screen after collection 210: Contents of the period to be collected Recognition screen 230: When there is a previous candidate / Next candidate 231: When there is a previous candidate / No next candidate 232: When there is no previous candidate / Next candidate 233: When there is no previous candidate / No next candidate 241 ... After collection Confirmation screen for regular content

Claims (10)

[Claims] 1. An account specifying means for displaying a plurality of periodic accounts of a customer and designating two or more periodic accounts to combine them into a new periodic account; and the two or more designated by the account specifying means. A period designating unit for designating the period of the new period when the periodical accounts are combined into the new period, and the two or more periodical accounts designated by the account designating unit, the period designated by the period designating unit. And a collecting means for collecting into the new term account in the automatic transaction apparatus. 2. An account designating means for displaying a plurality of recurring accounts of a customer, and designating two or more of the recurring accounts to be combined into a new recurring account according to a numeric key pressed by the customer; When collecting the two or more periodic accounts into the new periodicity by the account specifying means, a period specifying means for specifying the new periodicity period, and the two or more periodic accounts specified by the account specifying means, And a collecting means for collecting the new term account in the period specified by the period specifying means. 3. A plurality of periodic accounts of a customer are displayed, and the customer designates two or more periodic accounts of the plurality of periodic accounts on a screen, thereby designating a new periodic account. Means, when combining the two or more periodic accounts into the new periodicity by the account specifying means, a period specifying means for specifying the new periodicity period; and the two or more periodicities specified by the account specifying means. An automatic transaction device, comprising: a collecting means for collecting accounts into the new periodic account in a period designated by the period designating means. 4. A collection mode selecting means for displaying and selecting a mode for collecting a plurality of periodic accounts into a single periodic account together with other transaction modes, and when the collecting mode is selected by the customer by the collecting mode selecting means. Account specifying means for displaying a plurality of recurring accounts of the customer and designating two or more of these recurring accounts in order to combine them into a new recurring account; and A period designating unit for designating the new period of time when collecting the regular period; and the two or more periodical accounts designated by the account designating unit, the new periodical account in the period designated by the period designating unit. An automatic transaction device, comprising: 5. An account specifying means for displaying a plurality of recurring accounts of a customer and specifying two or more recurring accounts among the plurality of recurring accounts in order to combine them into a new recurring account; When collecting the new periodical period, a period specifying unit that specifies the period of the new periodical period, an execution date specifying unit that specifies an execution date of the processing for integrating the new periodical period, and the second unit that is specified by the account specifying unit. Collecting means for collecting one or more periodic accounts into the new periodic account in the period specified by the period specifying means on the execution date specified by the execution date specifying means; and apparatus. 6. An account designating step of displaying a plurality of periodic accounts of a customer and designating two or more periodic accounts in order to combine them into a new periodic account; and the two designated in the account specifying step. When collecting the above periodic accounts into the new periodic period, a period specifying step for specifying the new periodic period, and the two or more periodic accounts specified in the account specifying step, in the period specifying step A collecting step of collecting into the new periodic account for a designated period. 7. An account designating step of displaying a plurality of recurring accounts of a customer and designating two or more of the recurring accounts to be combined into a new recurring account according to a numeric key pressed by the customer; When collecting the two or more periodic accounts in the new periodic period in the account specifying step, a period specifying step for specifying the new periodic period, and the two or more periodic accounts specified in the account specifying step. A collecting step of collecting the new term account in the period specified by the period specifying step. 8. An account specification for displaying a plurality of recurring accounts of a customer, and specifying the two or more recurring accounts of the plurality of recurring accounts on the screen by the customer, so as to collect the new recurring accounts. A step of, when combining the two or more periodic accounts into the new period in the account specifying step, a period specifying step of specifying the new period, and the two specified in the account specifying step A collecting step of collecting the above periodic account into the new periodic account in the period specified by the period specifying step. 9. A collecting mode selecting step of displaying and selecting a mode for collecting a plurality of periodic accounts into a single periodic account together with another transaction mode; and when the collecting mode is selected by a customer in the collecting mode selecting step. Displaying a plurality of recurring accounts of the customer, an account designating step of designating two or more of these regular accounts in order to combine them into a new regular account; and When gathering up to a new term, a term designating step for designating the period of the new term, and the two or more term accounts designated in the account designation step, the term in the term designated by the term designation step An automatic transaction method, comprising: a collecting step for collecting into a new regular account. 10. An account specifying step for displaying a plurality of periodic accounts of a customer and designating two or more periodic accounts in order to combine them into a new periodic account; When summarizing the new period, a period designation step of designating the period of the new period, an execution date designation step of designating an execution date of the aggregation process to the new period, and the account designation step specified in the account designation step A collecting step of collecting two or more periodic accounts into the new periodic account in the period specified by the period specifying step to the execution date specified in the execution date specifying step; Transaction system.