JP2000067303A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it possible to visually check a card usable for a credit transaction by displaying the mark images of credit companies usable for an automatic transaction device on a picture display part if necessary. SOLUTION: The automatic transaction device body 1 is constituted of a cash card reading/writing part 2 for reading out/writing the contents of a card, a picture display part 4 for displaying a message or the like for an operator and detecting an operator's input, a bill reception/ejection part 5, and so on. When a power supply for the body 1 is turned on in the constitution, a power ON message is transmitted to a host computer, and a transaction start message is received from the host computer. When a transaction selecting picture or a card sucking picture for a credit transaction is displayed after the start of a transaction, credit company mark image data stored in the body 1 are extracted and credit company marks based on the visual data of the credit company marks are displayed on respective screens.

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 such as an automatic teller machine used in a financial institution, and more particularly to a credit card transaction processing.

[0002]

2. Description of the Related Art In a conventional automatic transaction apparatus, there is no means for informing a customer of the types of cards that can be used in a credit card transaction by the automatic transaction apparatus itself, such as a cash service corner where the automatic transaction apparatus is installed. In addition, the type of the usable card is displayed. In many cases, the financial institution check of the contents of the card is performed by the host, and it is impossible to know whether or not the card is usable without actually performing a transaction.

[0003]

However, the conventional automatic transaction apparatus emphasizes that credit card transactions are possible, urges customers to use credit card transactions, and enhances convenience for customers. In that respect, it was not satisfactory. In addition, since the number of affiliated credit companies is increasing at each financial institution that uses automatic transaction equipment, it is not a fixed credit card guidance, but an automatic transaction equipment that can change the guidance freely without changing this equipment system Was desired.

[0004]

SUMMARY OF THE INVENTION An automatic transaction apparatus according to the present invention, which is connected to a host computer and performs various financial transactions, requires a mark image of a credit company usable in the automatic transaction apparatus. And means for displaying the information on the screen display unit in response.

[0005]

FIG. 1 is a block diagram showing a configuration of an automatic transaction apparatus according to one embodiment of the present invention. In the figure, 1 is the main body of the automatic transaction apparatus, 2 is the card reader /
Cash card for writing read / write part, 3
Is a passbook bookkeeping unit that records a passbook, 4 is a screen display unit that displays messages and the like to an operator, and detects input by the operator. 5 is a bill depositing and dispensing unit that deposits and dispenses banknotes. A coin depositing / dispensing unit for depositing / dispensing, 7 is a statement printing unit for printing a statement slip, 8 is a journal printing unit, 9 is a communication control unit for controlling connection of a host computer, and 10 is a control for the entire automatic transaction apparatus. The main control device / main storage device 10 includes a credit card guidance processing means 20 for performing a credit card guidance process.

Next, the operation of this embodiment will be described. 2 and 3 are explanatory diagrams for explaining an example of a screen display on the automatic transaction apparatus, and FIG. 4 is a flowchart showing the operation of this embodiment. In this embodiment, credit company mark image data is stored inside the automatic transaction device, and a transaction selection screen (FIG. 2) or a card in a credit transaction is displayed on the customer operation panel of the screen display unit 4 of the automatic transaction device. The mark of the affiliated credit company is displayed on the inhalation screen (FIG. 3) and the like.

First, when the automatic transaction apparatus is turned on (S
100), a power-on message is transmitted to the host computer (S101). Then, a transaction start message is received from the host computer (S102). After the transaction is started, the credit company mark image data stored in the automatic transaction apparatus is displayed at the time of displaying a transaction selection screen or a card inhalation screen in a credit transaction. The credit company mark based on the visual data of the credit company mark is displayed on each screen (S103).

Here, storage and retrieval of credit company mark image data to be displayed on the customer operation panel of the screen display unit 4 stored in the automatic transaction apparatus will be described. The method for storing the credit company mark image data in the automatic transaction apparatus and extracting the credit company mark image data to be displayed on the customer operation panel of the screen display unit 4 includes, for example, the following methods. By distributing the credit company mark image data to be displayed from the host computer to the automatic transaction device, the credit company mark image data is stored in the automatic transaction device, and the stored credit company mark image data is taken out and displayed collectively in the automatic transaction device. All credit company mark image data is registered in advance in the automatic transaction device, and based on the display instruction set on the transaction start message from the host computer,
The credit company mark image data is extracted and displayed. The credit company mark image data created by another device is registered locally, and the present device collectively extracts and displays the registered data.

In this embodiment, the cards available for credit transactions can be visually confirmed in the automatic transaction apparatus, so that an increase in the number of credit transaction users can be expected, and a customer is notified of an invalid card. By doing so, it is possible to prevent useless transactions and to improve convenience.

In this embodiment, the credit card transaction by the automatic transaction apparatus has been described. However, the present invention can be applied to a case where some image data is variably displayed on a customer operation panel.

[0011]

As described above, according to the present invention, the mark image of the credit company that can be used in the automatic transaction apparatus is displayed on the screen display unit as needed, so that the credit can be used in the automatic transaction apparatus. Cards that can be used for transactions can be visually confirmed, users of credit transactions can be expected to increase, and unnecessary transactions can be prevented by notifying customers of invalid cards, which is convenient. This has the effect that the improvement of the quality can be expected.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an automatic transaction apparatus according to one embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating an example of a screen display on the automatic transaction device.

FIG. 3 is an explanatory diagram illustrating an example of a screen display on the automatic transaction device.

FIG. 4 is a flowchart showing the operation of the embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus main body 2 Cash card read / write part 3 Passbook bookkeeping part 4 Screen display part 5 Banknote deposit / withdrawal part 6 Coin deposit / withdrawal part 7 Statement printing part 8 Journal printing part 9 Communication control part 10 Main control device / Main storage Apparatus 20 Credit card guidance processing means

 ────────────────────────────────────────────────── ─── Continued on the front page (72) Inventor Tomoki Isobe 1-7-12 Toranomon, Minato-ku, Tokyo Oki Electric Industry Co., Ltd. F-term (reference) 3E040 BA07 CA11 CB04 FJ05

Claims (4)

[Claims] 1. An automatic transaction apparatus connected to a host computer for performing various financial transactions, comprising means for displaying a mark image of a credit company usable in the automatic transaction apparatus on a screen display unit as necessary. Automatic transaction device characterized by the above. 2. An automatic transaction apparatus connected to a host computer and performing various financial transactions, wherein a mark image of a credit company usable in the automatic transaction apparatus is received from the host computer and stored in advance, and the stored credit company An automatic transaction apparatus comprising means for displaying the mark image of the above on a screen display unit as necessary. 3. An automatic transaction apparatus connected to a host computer for performing various financial transactions, wherein mark images of all credit companies are stored in advance, and data of credit companies usable in the automatic transaction apparatus are transmitted from the host computer. An automatic transaction apparatus comprising means for receiving and displaying a credit company mark image based on the received available credit company data on a screen display unit as necessary. 4. The system according to claim 2, wherein the mark image of the available credit company or the data of the available credit company is received from the host computer when the automatic transaction apparatus is powered on. 3. The automatic transaction device according to 3.