JP2000200380A - Automatic transaction device and system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To supply the more effective information such as the amount to be received on the expiration data to a fixed time deposit customer and to improve the customer service. SOLUTION: This automatic each transaction device includes a color liquid crystal display 8 which shows the prescribed information on a cash transaction to a customer and also receives the input of operating instructions of the customer and a main control part which displays at least the information on combination of an interest rate and a deposit period when the cash is received, calculates the balance at the expiration data and a net amount to be received after deducting tax by the customer based on the information selected by the customer and the received deposit amount and then shows these calculated results on the display 8.

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 and an automatic transaction system installed in a financial institution or the like for executing cash transactions and the like.

[0002]

2. Description of the Related Art At present, various technologies relating to an automatic transaction apparatus which is arranged in, for example, a financial institution and automatically performs cash transactions and the like according to instructions of customers have been developed.

[0003] In such an automatic transaction apparatus, a time deposit procedure can also be performed. In this case, as shown in FIG. 6, information on a period and an interest rate is displayed. As shown in FIG. 7, the selected period, the interest rate and the deposit amount, the interest deposit account, and the like are displayed, and the time deposit procedure is completed. In this example, the one-year term is selected, and the interest rate “0.350
% ", The deposit amount is 100,000 yen, and the interest deposit account" 01
2345 "is displayed.

[0004]

However, in the prior art as described above, the information which can be confirmed at the time of the time deposit procedure includes a product name, a term, an interest rate, a continuation method (principal continuation, principal and interest continuation), and an interest deposit account. Was limited to That is, for example, if 100,000 yen is deposited on a regular basis for one year, it is not known how much to receive on the maturity date. Even if you calculate this information yourself, even if you calculate it yourself, compound interest calculation is involved, the calculation is complicated, and interest may be withheld, so you can calculate the amount received without a certain knowledge. Did not.

[0005] The present invention has been made in view of the above-mentioned problems, and an object thereof is to provide a customer who makes a time deposit with a customer.
It is possible to provide more effective information such as the amount of the maturity date and to improve the service to the customer.

[0006]

According to a first aspect of the present invention, there is provided an automatic transaction apparatus for automatically performing cash transactions, wherein predetermined information relating to the cash transactions is provided. Display means for presenting to the customer, operation means for receiving input of operation instructions by the customer, and when cash is deposited, the display means displays at least information on a combination of an interest rate and a deposit period, and the operation by the operation means Control means for calculating the balance of the maturity date and the received amount after tax based on the information selected by the customer and the deposited deposit amount, and controlling the calculated balance to be displayed on the display means. Is provided.

According to a second aspect, in the first aspect, the operation means selects a continuation method relating to the continuation of the principal and interest of the time deposit, and displays the selected continuation method on the display means. There is provided an automatic transaction apparatus further characterized in that

According to the third aspect, in the second aspect, when the continuation method is selected by the operation means, it is possible to further display the received amount after the lapse of the continuation period on the display means. An automatic transaction device is provided.

According to the fourth aspect, in an automatic transaction apparatus for automatically performing cash transactions, an input / output means for receiving and inputting a passbook, a card, and cash, and providing predetermined information on the cash transactions to a customer. Display means for presenting, operating means for receiving an input of an operation instruction by a customer, and recognizing any information of a passbook and a card received via the input / output means,
The information is transmitted to the host computer, the information corresponding to the information is received, and based on the information and the interest rate selected by the customer by the operation of the operation means, the information related to the deposit period, and the deposited deposit amount. , A control means for calculating the balance of the maturity date and the received amount after tax and controlling the display on the display means.

According to a fifth aspect, in an automatic transaction system in which a host computer and an automatic transaction device are communicably connected and automatically perform a cash transaction, the automatic transaction device includes a predetermined transaction relating to the cash transaction. Display means for presenting information to the customer, operating means for receiving input of operation instructions from the customer, and when cash is deposited, the display means displays at least information on a combination of an interest rate and a deposit period. Is controlled based on the information selected by the customer, the deposit amount received, and the information transmitted from the host computer so that at least the balance of the maturity date and the received amount after tax are displayed on the display means. An automatic transaction system comprising a control means is provided.

According to a sixth aspect, in the fifth aspect, in the fifth aspect, a continuation method relating to continuation of principal and interest in the time deposit is selected by the operation means, and the selected continuation method is displayed on the display means. There is provided an automated transaction system further characterized in that

According to a seventh aspect, in the sixth aspect, when the continuation method is selected by the operation means, it is possible to further display the received amount after the lapse of the continuation period on the display means. An automatic transaction system is provided.

According to an eighth aspect, in an automatic transaction system in which a host computer and an automatic transaction device are communicably connected to each other to automatically perform cash transactions, the automatic transaction device includes a passbook, a card, and a cash account. Input / output means for receiving input / output, display means for presenting predetermined information relating to the cash transaction to the customer, operation means for receiving input of operation instructions by the customer, passbook and card received via the input / output means Recognize any of the information, send the information to the host computer, receive the interest rate corresponding to the information, the deposit period, the balance of the maturity date and the amount received after tax from the host computer, the display means And a control means for controlling the display.

[0014]

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

FIG. 1 is an external view showing a configuration of an automatic transaction apparatus according to one embodiment.

In FIG. 1, reference numeral 1 denotes a main body of an automatic transaction apparatus (hereinafter abbreviated as ATM) for performing cash transactions with a passbook or a card account held by a user. An L-shaped customer service operation panel 2 comprising a horizontal portion 2b is provided, and is installed in a business store of a financial institution such as a bank, for example. A passbook insertion slot 3 and a card insertion / receipt issuing slot 4 are provided in the vertical portion 2a. In the horizontal part 2b,
A deposit port 5 and a dispensing port 6 are provided, and, for example, a color liquid crystal display 8 is provided. Further, a human body sensor 7 for detecting approach of a user is provided at a lower portion of the main body 1.

The color liquid crystal display 8 includes a main body 1.
Display operation guidance screens and data related to automatic transaction processing. For example, the operation guide information is displayed as characters or illustrations. This display guides the user to the transaction method. A touch panel for inputting information is provided on the display screen of the color liquid crystal display 8, and various information can be input from the user side according to the operation guide screen.

FIG. 2 is a block diagram showing the configuration of the control circuit.

In FIG. 2, reference numeral 20 denotes a main control unit for controlling the entire apparatus, which is connected to a host computer (central processing unit) 41 of a data management center, which is an external apparatus, via a transmission control unit 21 via a communication line. Is done. The main control unit 20 includes a storage unit 22, a floppy disk device 23,
The remote monitor 26 is connected. This storage unit 22
The control program is stored. The floppy disk device 23 stores various information related to transaction processing. The remote monitor 26 displays maintenance data for maintenance personnel. The power supply unit 24 outputs an operating voltage of the entire device.
Further, a card reader / receipt printer unit 31, a passbook printer unit 32, a banknote depositing / dispensing unit 33, a coin depositing / dispensing unit 34, a touch panel input device 35, a voice guidance unit 36, and an internal monitor 37 are connected to the main control unit 20. You.

The card reader / receipt printer unit 31 accepts a magnetic card inserted into the card insertion / receipt issuing port 4, reads magnetic information on the magnetic card, and issues a receipt according to the contents of the transaction. Out of the card insertion / receipt issuing port 4. The passbook printer unit 32 receives the passbook inserted into the passbook insertion slot 3, reads the magnetic information on the passbook, prints the transaction data (unregistered data) on the passbook, and outputs it to the outside of the passbook insertion slot 3. Send out.

The bill receiving / dispensing unit 33 and the coin receiving / dispensing unit 34 can be set and reset to positions corresponding to the deposit port 5 and the dispensing port 6, and a deposit temporary accumulating unit,
It is equipped with a temporary depositing section, a loading box, a deposit box, a denomination safe, an audit section, and the like.

The voice guidance unit 36 outputs voice guidance information for the user. The internal monitor 37 is provided for a clerk, and when a failure occurs, displays the content of the failure, and displays notes to the clerk when the failure occurs.

The touch panel type input device 35 is used by a user to designate a transaction, to input character information, based on an operation guide screen displayed on the display screen of the color liquid crystal display 8.
Input of various information such as operation instructions is received.

When a time deposit is created by the ATM according to the present embodiment, the customer first determines the amount, and selects the type, period, and continuation method of the term commodity. The ATM requests the host computer 41 for the interest rate information based on the selection, displays the obtained interest rate information, and can use the interest rate information to receive the maturity date based on the determined amount and period. Calculate the amount or display the receivable amount on the maturity date for each product / period. This provides more effective information to the customer.

Hereinafter, referring to the flowchart of FIG.
The operation of the automatic transaction device according to the embodiment will be described. In this process, in the time deposit transaction, first, an amount is input (in the case of transfer by card, the amount is input), the amount to be deposited is determined, and the host computer is referred to for the period information. At this time, information on the product, period, and interest can be obtained from the host computer.

Hereinafter, the processing of each step will be described in detail following the flow.

That is, in a state of waiting for a customer (selecting a transaction type) (step S1), the touch panel type input device 3
When either account or cash is selected by the operation of Step 5 (Step S2), the main control unit 20 performs the following processing according to the selection.

First, when "cash" is depressed, a passbook is inserted through the passbook insertion slot 3 (step S3), and the passbook is taken in and checked (step S4).
Upon receipt of a bill insertion (step S5), the deposit amount is confirmed (step S6). Subsequently, the main control unit 20 transmits and receives the interest message via the transmission control unit 21 to and from the host computer 41 (step S7).

Subsequently, according to the display screen shown in FIG. 4, a desired interest rate / term is selected (step S8), and a continuation method is selected (step S8).
9). Next, transaction contents are confirmed on a transaction content confirmation screen as shown in FIG. 5 (step S10), transaction message transmission / reception, medium (passbook etc.) release preparation, medium release are executed (step S11), and all operations are performed. finish.

On the other hand, if "debit" is pressed in step S2, the card is inserted from the card insertion / receipt issuing port 4 (step S12), and the main control unit 20 enters the password input / collation and The card reading and checking are performed in parallel (steps S13 and S14),
Confirmation is performed (step S15), and selection of passbook insertion or no passbook is received (step S16). Here, in the case of inserting a passbook, after the passbook is fetched and checked, the processing of steps S7 to S11 is executed, and when there is no passbook, the processing of steps S7 to S11 is executed as it is. The processing of steps S7 to S11 is as described above.

As described above, in the present embodiment,
The deposit balance at maturity is calculated based on the determined deposit amount, the period selected by the customer, and the interest rate, and the withholding amount is deducted therefrom to calculate the receivable amount. By displaying this on the confirmation screen (see FIG. 4), the customer is provided with effective data. In addition, it is also possible to display “receivable amount on maturity date” when selecting a product / period (see FIG. 5).

It should be noted that, in the regular transaction content confirmation, at each check point (for example, in the case of one year, one year, two years, three years later, etc.) when the period is continued (continuation of principal and interest). It is also possible to display the received amount.

[0033]

As described in detail above, according to the present invention,
It is possible to provide more effective information such as the amount of the maturity date to a customer who makes a time deposit, and it is possible to provide an automatic transaction device and an automatic transaction system that improve the service to the customer.

[Brief description of the drawings]

FIG. 1 is an external view showing a configuration of an automatic transaction apparatus according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of an automatic transaction device according to an embodiment of the present invention.

FIG. 3 is a flowchart showing an operation of the automatic transaction apparatus according to the embodiment of the present invention.

FIG. 4 is a diagram showing an example of an operation screen of the automatic transaction device according to the embodiment of the present invention.

FIG. 5 is a diagram showing an example of an operation screen of the automatic transaction device according to the embodiment of the present invention.

FIG. 6 is a diagram showing an example of an operation screen of the automatic transaction device according to the related art.

FIG. 7 is a diagram showing an example of an operation screen of the automatic transaction device according to the related art.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ATM main body 2 Customer service operation panel 3 Passbook insertion slot 4 Card insertion / receipt issuance port 5 Deposit port 6 Dispensing port 7 Human body sensor 8 Color liquid crystal display 20 Main control section 41 Host computer

Claims (8)

[Claims] 1. An automatic transaction apparatus for automatically performing cash transactions, a display means for presenting predetermined information on the cash transactions to a customer, an operation means for receiving an operation instruction input by the customer, and a cash deposit In this case, the display means displays at least the information of the combination of the interest rate and the deposit period, and based on the information selected by the customer by the operation of the operation means and the deposited deposit amount, the balance of the maturity date and Control means for calculating the amount of money received after tax and controlling the amount to be displayed on the display means. 2. The method according to claim 1, further comprising the step of selecting a continuation method relating to the continuation of principal and interest of the time deposit by the operation means, and displaying the selected continuation method on the display means. Item 2. The automatic transaction device according to Item 1. 3. The automatic method according to claim 2, wherein when the continuation method is selected by the operation means, the amount received after the lapse of the continuation period can be further displayed on the display means. Trading equipment. 4. An automatic transaction apparatus for automatically performing cash transactions, an input / output means for receiving input and output of a passbook, a card, and cash; a display means for presenting predetermined information on the cash transaction to a customer; An operation unit that receives an input of an operation instruction from a customer, and recognizes any information of a passbook and a card received through the input / output unit, transmits the information to a host computer, and receives information corresponding to the information. The information and the interest rate selected by the customer through the operation of the operation means,
Control means for calculating the balance of the maturity date and the received amount after tax based on the information relating to the deposit period and the received deposit amount, and controlling to display on the display means, Automatic transaction equipment. 5. An automatic transaction system in which a host computer and an automatic transaction device are communicably connected to each other to automatically perform a cash transaction, wherein the automatic transaction device presents predetermined information on the cash transaction to a customer. A means for receiving an operation instruction input by a customer; and, when cash is deposited, at least information of a combination of an interest rate and a deposit period is displayed on the display means, and the customer selects the information by operating the operation means. Control means for controlling the display means to display at least the balance of the maturity date and the received amount after tax based on the received information, the deposited deposit amount, and the information transmitted from the host computer. An automatic transaction system characterized by: 6. The method according to claim 1, further comprising the step of selecting a continuation method relating to the continuation of principal and interest of the time deposit by the operation means, and displaying the selected continuation method on the display means. Item 6. The automatic transaction system according to Item 5. 7. The automatic apparatus according to claim 6, wherein when the continuation method is selected by the operation unit, the display unit can further display the received amount after the lapse of the continuation period. Trading system. 8. An automatic transaction system in which a host computer and an automatic transaction device are communicably connected to each other to automatically perform cash transactions, wherein the automatic transaction device receives a passbook, a card, and a cash input / output. Means, display means for presenting predetermined information on the cash transaction to the customer, operation means for receiving an operation instruction input by the customer, and information on any of a passbook and a card received via the input / output means Control for recognizing and transmitting the information to the host computer, receiving from the host computer the interest rate, deposit period, expiration date balance, and received amount after tax corresponding to the information from the host computer, and displaying the information on the display means. Means, and an automatic transaction system comprising: