JP2001250150A - Successive transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a next transaction during the processing time of a device as an actual user's wait time when a transaction is carried out by using an automatic machine and to omit the same operation in successive transactions once even complicated operation for the 2nd transaction is done. SOLUTION: A unit built in the automatic machine is provided with a display means which can displays >=2 transaction pictures and a device control means which can process >=2 transactions.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing method for an apparatus capable of simultaneously performing a plurality of transactions of an automatic machine installed in a financial institution or the like.

[0002]

2. Description of the Related Art In a conventional automatic transaction apparatus, the next transaction can be performed only after one transaction is completed. Therefore, a user who continues to transact is required to process the automatic machine until one transaction is completed. And in the next transaction all trading operations had to be performed again.

[0003]

In an automatic machine installed in a financial institution or the like, a user who intends to make a continuous transaction regarding the handling of a general user, the processing time of the automatic machine is a waiting time, If you make a mistake when entering transaction details,
There is a problem that the user must spend wasted time before actually performing a transaction that he or she wants to perform.

[0004] Further, even when it is desired to perform the same transaction continuously, it is necessary to wait until the first transaction is completed and then perform the same operation again.

On the other hand, the present invention enables another transaction during one transaction and omits the same operation, thereby improving the service of the financial institution by shortening the transaction time, and shortening the waiting time and operability of the user. Can be facilitated.

[0006]

SUMMARY OF THE INVENTION According to the present invention, when a general user performs a continuous transaction to achieve the above object, the following transaction operation and transaction processing can be performed during the processing of a previously executed transaction. And means for omitting the same transaction as the previous transaction at the time of the next transaction.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a multiple simultaneous transaction system according to an embodiment of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a diagram showing the internal configuration of the automatic teller machine according to the present embodiment.

As shown in FIG. 1, an automatic teller machine 1 (hereinafter abbreviated as "device") has a display unit 2 capable of displaying two or more operation guidances and the like, and is arranged on the display unit 2 to input transaction contents and the like. Input unit 3 including a touch panel for reading, a card / statement handling unit 4 that reads an ID card or a credit card, and prints out a transaction slip, a passbook handling unit 5 that reads, issues, and prints a passbook. A banknote handling unit 6 for depositing and withdrawing coins, a coin handling unit 7 for handling coins, a line unit 8 for transmitting and receiving data to and from a center of a financial institution as needed, and an overall control of the apparatus and two or more transaction processes. It comprises a control unit 9 capable of supplying power and a power supply unit 10 for supplying power.

FIG. 2 shows a processing flow of the present apparatus when a general user performs two transactions in succession using the present apparatus having such a configuration and installed in a bank.

FIG. 3 shows an actual transaction operation flow. The display state of the display unit 2 is shown in FIGS.

In this apparatus, when a user first stands on the front of the apparatus, an initial screen shown in FIG. 4 is displayed and the apparatus is in a standby state.

The initial screen is always displayed, and all transactions start from this screen. Also, the control unit 9 waits so that it can be executed whenever the transaction selection processing selected from this screen is started. For example, when the user selects the “payment” key from the input section, the screen display displays a message prompting the processing ′ and a screen (FIG. 5) for notifying the user that the payment transaction selected by the processing has started. Then, the payment processing is started. A series of processes relating to the deposit transaction is defined as a process.

The control unit 9 recognizes the currently active process by the selected key, and executes the process with priority.

The initial screen state of the process is as shown in FIG. 5, but if the user realizes that the deposit transaction is erroneously selected in this state and actually wants to perform the withdrawal transaction,
Here, the payment transaction is terminated by pressing the “cancel” key, and the screen display at this time is as shown in FIG. 6, and the control unit 9 executes the processing while executing the processing.
** Waiting for start.

As a result, the user depresses the "withdrawal" key by the guidance in FIG. 6, and presses the "withdrawal" key which is "processed" during the execution of the preceding transaction (during the processing of canceling the payment transaction). Withdrawal transaction (processing) becomes possible.

At this time, the priority of the process in the control unit 9 is the process, and the process is only the operation for the transaction, but the priority is switched to the process as soon as the process is completed. Therefore, the user has to wait for the end of the pre-processing by performing the operation of the subsequent process without waiting for the end of the execution of the preceding process, and by ending the process during this operation and continuously executing the process. Disappears. In the transaction shown in this embodiment, the card is inserted after the "payment" key is pressed. If the user makes a transaction using this card at the time of withdrawal, and selects the transaction with the same card according to the screen display of FIG. 7, the card remains in the card / detail card handling section and the card ejection is omitted. be able to. Even if another card is inserted, the card inserted earlier will be
Since it is evacuated to the statement handling unit, there is no need to discharge it each time.

Next, FIG. 9 shows a flow for performing a transfer transaction from the same account to a plurality of accounts, and FIG.
This will be described below.

Since the apparatus displays the initial display screen shown in FIG. 4 and is in a standby state in preparation for processing, selecting a "transfer" key starts a series of transfer processing as processing.

It is necessary to perform (step 207 to step 210) as a transfer transaction operation performed by the user.

In the example of FIG. 9, when the user selects a transfer transaction, and subsequently performs card insertion, password input, and operation, one of them enters a standby state in preparation for the next transaction operation (step 204). ). However, here, the transactions that can be continuously performed are selected according to the transaction contents currently being processed, and only the transactions that can be performed are displayed (FIG. 10).

In the examples shown in FIGS. 9 and 10, what is possible as the next transaction following the processing is the balance inquiry and the passbook entry.

If the user presses the "balance inquiry" key for confirming the balance of the account before selecting the account transfer in the screen display state of FIG. 10, the balance inquiry transaction operation is performed. At the beginning, the control unit 9 also transfers the priority from the process to the process, and performs the balance inquiry process.

During and after the balance inquiry process, if there is no other transaction selection or cancellation of the process, the process priority is returned to the process again, and the transfer transaction is executed. The transfer transaction is an operation from the transfer method selection (step 207), and proceeds sequentially from step 207 to step 210. During these operations, the transaction is in a standby state (preparing for the process') at any time, but the second transfer transaction becomes possible when the transfer operation of the process is completed (step 213).

In the second transfer operation, step 40
In the case of 3, the first transfer operation is required, but among the first transfer transactions that the user previously performed from the same account again,
If you try to make a similar transfer transaction that differs only in the amount and the transferee, in the case of a continuous transaction, the control unit 9 stores the contents of the preceding transaction during this period, so the same operation as the previous operation needs to be performed. However, only the amount and the transfer destination (steps 208 and 210), which are different contents, need to be input.

As a result, the user can largely omit the transfer operation (steps 207 to 210 of the process) to be performed normally in the second time (step 403) depending on the transaction, thereby simplifying the operation and increasing the speed.

[0027]

According to the present invention, in an automatic machine installed in a financial institution or the like, a plurality of transactions can be simultaneously performed for a user who wants to continuously transact, and the same transaction can be continuously conducted. It is possible to reduce the number of operations performed by the user who wants to perform the operation, thereby reducing the transaction time and the amount of operations performed by the user.

[Brief description of the drawings]

FIG. 1 is an internal configuration diagram of an automatic teller machine in one embodiment of the present invention.

FIG. 2 is a flowchart of a continuous transaction process in one embodiment of the present invention.

FIG. 3 is a flowchart showing a continuous next transaction operation when a transaction is selected incorrectly in one embodiment of the present invention.

FIG. 4 is a diagram showing an initial screen state in one embodiment of the present invention.

FIG. 5 is a view showing a continuous transaction possible display in one embodiment of the present invention.

FIG. 6 is a diagram illustrating a two-screen display state of operation contents according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a two-screen display state of operation contents according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a two-screen display state of operation contents according to an embodiment of the present invention.

FIG. 9 is a flowchart showing a continuous next transaction operation of a transfer transaction in one embodiment of the present invention.

FIG. 10 is a diagram showing a continuous next transaction operation state of a transfer transaction in one embodiment of the present invention.

FIG. 11 is a diagram showing a continuous next transaction operation state of a transfer transaction in one embodiment of the present invention.

FIG. 12 is a diagram showing a continuous next transaction operation state of the transfer transaction in one embodiment of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Automatic teller machine, 2 ... Display part, 3 input parts, 4 ... Card / statement handling part, 5 ... Passbook handling part, 6 ... Banknote handling part, 7 ... Coin handling part, 8 ... Line part, 9 ... Control units 9, 10
…Power supply part.

Claims (6)

[Claims] 1. A guidance display unit capable of displaying two or more different screens for prompting a user to operate, an input unit for inputting necessary items, a line unit connected to a center of a bank or a credit company, and two at the same time. In an automatic machine having a control system capable of performing the above transaction processing, in an automatic transaction apparatus having a control system capable of performing two or more transaction processing, when a user conducts a transaction, a separate A transaction processing method characterized by validating the start of a transaction operation. 2. After a user has completed an operation to be executed in order to execute a transaction in the transaction processing, another transaction operation start is made effective, so that one user 2. The transaction processing method according to claim 1, wherein when performing a transaction, a next transaction operation can be started before a preceding transaction process is completed. 3. The information input by the user in the transaction processing being executed in advance is stored, and when the same information is necessary for the transaction started continuously, the stored information is used to use the information. 3. The transaction processing method according to claim 2, wherein the user can omit the operation of inputting the same information again. 4. In the transaction processing, when the user selects the cancellation of the transaction, another transaction operation start is made effective, so that when the user makes a mistake in the transaction operation, the wrong transaction cancellation processing is performed. 2. The transaction processing method according to claim 1, wherein a correct operation can be started before the transaction is completed. 5. A medium received from a user required for a transaction which has been continuously started is the same as the medium used in the transaction processing which is being executed in advance, even if the preceding transaction is completed, the medium is received. 5. The transaction processing method according to claim 2, wherein the transaction processing method according to claim 2 or 4, wherein the user does not discharge the same medium and uses the same for the transaction that has been continuously started, so that the user can omit the operation of transferring the same medium again. 6. If the medium received from a user required for a transaction that is subsequently started is of the same type as the medium that is used in the transaction that is being executed in advance, the medium that is being used in the preceding transaction is replaced. By temporarily evacuating inside the device and receiving the required media in the transaction that has been started, the user can continue the transaction operation that has been started by the user without waiting for the ejection of the medium that is being used in the preceding transaction. 3. The transaction processing method according to claim 2, wherein the transaction processing method can be performed.