JP2002260053A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic teller machine allowing a user to reserve for changing a contracted fixed time deposit to anew article before its maturity in the fixed time deposit handling and to provided fixed time deposit articles recommending the user to continue contract. SOLUTION: This automatic teller machine is provided with fixed time deposit information therein and determines and displays an article of same level or more that of the fixed deposit article under contract with the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash transaction apparatus for handling time deposit transactions used in post offices, banks and the like.

[0002]

2. Description of the Related Art In Japanese Unexamined Patent Publication No. Hei 7-93635 "Automatic transaction apparatus", the interest rate and the refund amount at the time of maturity are provided to the user based on the time deposit information held by the automatic transaction apparatus. It was not possible to make a new term deposit contract when switching to a new term deposit product.

[0003]

SUMMARY OF THE INVENTION The present invention provides a method in which a user can make a reservation for switching to a new time deposit product before maturity by inserting a contracted time deposit passbook.

[0004]

A user inserts a contracted time deposit book into an automatic teller machine. Based on the time deposit information in the automatic teller machine and the contents of the time deposit in the time deposit passbook inserted by the user, a new time deposit product equal to or more than the time deposit product currently contracted by the user is determined and displayed.
The user can make a reservation for switching to the new time deposit product by selecting the product desired by the user from the displayed new time deposit product.

[0005]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of an automatic cash transaction apparatus according to the present invention will be described below in detail with reference to the drawings. FIG. 1 shows a system configuration of the automatic teller machine, and FIG.
2 shows a schematic diagram of a start-up process of the automatic cash transaction system shown in FIG. FIG. 3 shows a schematic diagram of the transaction processing of the automatic cash transaction system shown in FIG. 1, and FIG. 4 is a configuration diagram of a time deposit information file.

The automatic cash transaction apparatus applied to this embodiment is an automatic cash transaction apparatus 1 for performing cash withdrawal and deposit transactions as shown in FIG. It is connected to the device connection unit 13.

[0007] The automatic cash transaction apparatus 1 applied to this embodiment
An operation display input unit 3 for displaying an operation guide and an announcement screen for the user and inputting the user's operation by a touch panel or the like, a card reading mechanism unit 4 for inserting and ejecting a cash card, etc. Passbook / statement printing mechanism 5 for discharging transaction slips, bill depositing / dispensing mechanism 6 for inserting and discharging bills, coin depositing / dispensing mechanism 7 for inserting and discharging coins, time deposit information control for processing time deposit information And a time deposit information file 10.

The host computer 11 includes an automatic teller machine connection unit 13, a time deposit information master control unit 14, and a time deposit information master file 15. The time deposit information file 10 and the time deposit information master file 15 are composed of a product number, a product name, a period, an interest rate and an operation start date.

[0009] Information on a new term deposit product can be obtained from each information of the term deposit information file. The automatic teller machine 1 requests time deposit information from the automatic teller machine connection unit 13 of the host computer 11 by the host computer connection unit 8 when the power is turned on (step 10).
0). Upon receiving the request, the host computer 11 acquires the term deposit information from the term deposit information master file 15 (step 101, step 102). The host computer 11 transmits the acquired time deposit information to the automatic cash transaction apparatus 1
(Step 1)
03). The automatic teller machine 1 includes a host computer 11
Time deposit information returned from the time deposit information file 1
0 is stored, and a customer operation wait state in which transaction is possible (step 104). The automated teller machine 1 starts a term deposit transaction by inserting the contracted term deposit passbook into the passbook / statement printing unit 5 (step 20).
0). The merchandise number, merchandise name, period, interest rate, and maturity date, which are the term contract information of the inserted time deposit passbook, are read (step 201). After reading the term contract information of the term deposit passbook, the term deposit information control unit 9 acquires the term deposit information of the term deposit information file 10 (step 202).
The maturity date, which is the term contract information of the time deposit passbook, is compared with the operation start date of the time deposit information. Determining a term deposit product equivalent to the current contract from the term deposit products applied before the maturity date. Then, the term deposit product recommended by the financial institution is determined in consideration of the operation start date, and is displayed on the operation display input unit 3 (steps 203 and 204). The user is prompted to select a switching reservation based on the content displayed on the operation display input unit 3 (step 205). After the user selects the time deposit product, a transaction message is exchanged with the host computer 11 (step 206). The transaction result received from the host computer 11 is printed on the time deposit passbook by the passbook / statement printing function 5 to end the transaction (step 20).
7).

In this embodiment, the automatic teller machine 1 also has the time deposit information file 10 and determines the time deposit product. However, only the host computer 11 has the time deposit information master file 15 and determines the new time deposit product. It is also possible to perform In addition, the time deposit information is not acquired from the time deposit information master file 15 of the host computer 11 when the automatic teller machine 1 is powered on, and when the time deposit product information in the time deposit information master file 15 is updated, the host computer is updated in real time. It is also possible to update the time deposit information file 10 of the automatic teller machine 1 under the initiative of 11.

[0011]

According to the present invention, since a user can make a reservation for switching to a new term deposit product before the expiration of the contracted term deposit, a new term deposit contract procedure becomes unnecessary after the expiration, and the user can use the term deposit. Service for the elderly can be improved. In addition, since the switching reservation can be made by the automatic teller machine, the number of transactions at the window of the financial institution can be reduced, which is effective in alleviating congestion at the window.

[Brief description of the drawings]

FIG. 1 is an example of a system configuration of an automatic cash transaction apparatus according to the present invention.

FIG. 2 is a diagram illustrating an example of an outline diagram of a cash automatic transaction system start-up process according to the present invention.

FIG. 3 is an example of an outline diagram of a transaction process of an automatic cash transaction system according to the present invention.

FIG. 4 is an example of a diagram showing a configuration of a time deposit information file according to the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus, 2 ... Control part, 3 ... Operation display input part,
4: Card reading mechanism, 5: Passbook / statement printing mechanism,
Reference numeral 6: bill receiving / dispensing mechanism, 7: coin receiving / dispensing mechanism, 8: host computer connection section, 9: time deposit information control section, 1
0: time deposit information file, 11: host computer, 12: host computer control unit, 13: automatic teller machine connection unit, 14: time deposit information master control unit, 1
5 ... Time deposit information master file.

Claims (1)

[Claims] Claims: 1. An automatic teller machine capable of performing a time deposit transaction, which has time deposit information including a product name, a period, an interest rate, and the like, and the automatic teller machine has a time deposit of a time deposit passbook inserted by a user. Using the contract details and the time deposit information, determine the time deposit product recommended to the user, and provide the user with the information on the time deposit product prior to maturity, so that the user can select and switch to a new time deposit product. An automatic teller machine that can be executed.