JP2002342589A - Transaction method of automatic teller machine, and its program and its device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a customer to obtain a desired denomination and cash of the denomination when making a transaction accompanied by payment by using an automatic teller machine. SOLUTION: When the customer needs to specify the denomination of cash to be received in the transaction and its quantity, a selection picture for inquiring the necessity of the customer and an input picture for specifying the desired denomination and its quantity are displayed and payment by the denomination and quantity is carried out according to the specification.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction method for an automatic transaction apparatus installed in a financial institution or the like, a program therefor, and an apparatus therefor.

[0002]

2. Description of the Related Art Conventionally, as a transaction method of this kind of automatic transaction apparatus, there are a change in a transfer transaction, a cash payment in a payment transaction,
There is a method that is used when paying cash for money exchange at the time of money exchange. For example, when a customer makes a payment transaction using an automatic transaction device, the customer inputs the desired amount from an input screen, and for the entered amount, the denomination of cash to be paid is stored in the device. The method is determined by the method of the payer based on the amount of cash held, such as the denomination and the number of coins, and the method of paying to the customer based on the result is adopted.

[0003] In the case of other transactions involving withdrawal, the same method is adopted.

[0004]

However, in the above-mentioned conventional method, when a customer carries out a transaction involving withdrawal using an automatic transaction apparatus, a denomination determined by the convenience of the payer is required. Since the cash is paid according to the selection method, there is a problem that the customer cannot obtain the cash of the desired denomination.

[0005] Further, in order to obtain the denomination desired by the customer, it is necessary to newly obtain the denomination using a bank counter or a dedicated currency exchange machine. In the case of an externally-installed airframe, there is a problem that the customer has to visit again during the business hours of the bank counter, etc. The present invention has been made to solve the above problems, and has as its object to be able to designate a desired denomination at the time of automatic transaction.

[0006]

In order to solve the above-mentioned problems, the present invention provides a selection screen for inquiring the necessity of designating the customer's denomination and the number thereof when the customer conducts a transaction involving withdrawal. When it is necessary to display and specify the denomination and the number of denominations, an input screen for designating the denomination and the number of denominations is displayed, and the denomination and the number of denominations are paid according to the specification of the customer.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of a transaction method for an automatic transaction device according to the present invention will be described with reference to the drawings. FIG. 1 is a transaction processing flowchart showing an embodiment of the present invention. FIG. 2 is a block diagram showing a system according to the embodiment of the present invention, and FIGS. 3 to 5 show examples of customer operation screens.

In FIG. 2, reference numeral 1 denotes a host computer installed at a center of a financial institution, which is connected to an automatic transaction apparatus 2 installed at a bank branch or the like online through a telephone line or the like. 3 is an automatic transaction device 2
In addition to issuing a control command to each section in the automatic transaction apparatus 2, the main control section also functions as control means such as data communication with the host computer 1 and comparison operation related to transaction control.

Reference numeral 4 denotes a customer operation unit, which is a CRT or LC
It is composed of a combination of D and a touch panel, and displays a screen for inquiring the customer's request, a screen for prompting the customer's treatment, and the like, and functions as an input means for receiving a request from the customer. Reference numeral 5 denotes a card read / write unit (card R / W unit) for reading and writing the contents recorded on the magnetic stripe of the customer's card, and also has a printer for printing on a transaction statement.

Reference numeral 6 denotes a passbook entry machine, which records data such as transaction contents transferred from the main control unit 3 in the customer's passbook.
Reference numeral 7 denotes a banknote pay-in / pay-out device, and reference numeral 8 denotes a coin pay-in / pay-out device, which accumulates and pays out cash based on a command from the main control unit 3 and pays together with a transfer path (not shown) and a receiving / receiving unit which performs cash transfer with customers. Means.

Next, the operation of the above-described configuration will be described with reference to the flow chart shown in FIG. In this case, the customer selects “pull out” from the customer operation selection screen A shown in FIG. 3 using the touch panel of the customer operation unit 4 (S1). Next, a screen prompting insertion of a card or passbook as a medium is displayed, and the customer inserts the card or passbook into the card R / W unit 5 or the passbook entry machine 6 (S2).

Next, an input screen for prompting the input of a personal identification number is displayed, and the customer inputs the personal identification number through the touch panel of the customer operation unit 4 (S3). After entering the PIN,
As step S4 for inputting the amount, an amount input screen is displayed, and the customer inputs the requested withdrawal amount from the touch panel of the customer operation unit 4.

When the input of the withdrawal amount is completed, a customer operation screen B shown in FIG. 4 for inquiring whether or not to specify the denomination of the cash to be paid is displayed, and the customer uses the touch panel of the customer operation unit 4 to specify the denomination. "Yes" is selected if desired, and "No" is selected if the denomination is left to the automatic transaction apparatus without specifying the denomination (S5). Depending on the result of this selection, the steps branch as follows (S6).

If the customer selects "No", the process for specifying the type of payment and the number of copies is not performed, and the process branches to the center communication in S9. If "yes" is selected, the customer operation screen C shown in FIG. 5 is displayed (S7), and the customer inputs the denomination and the number thereof by using the touch panel of the customer operation unit 4.
Here, a method of inputting the denomination and the number of coins on the customer operation screen C will be described. A withdrawal amount of 116,000 yen is specified, and two denomination banknotes,
Taking as an example a case where 20 2,000-yen banknotes, 100 500-yen coins, 50 100-yen coins, and 100 10-yen coins are specified, (1) "10,000-yen banknote" button pressed, number button "2" ”Pressed,“ sheets ”
Pressing the button (2) Pressing the “2,000 yen bill” button, pressing the number buttons “2” and “0”, pressing the “sheet” button (3) Pressing the “500 yen coin” button, pressing the number buttons “1” and “0”
"0" pressed, "sheet" button pressed (4) "100 yen coin" button pressed, number buttons "5""0" pressed, "sheet" button pressed (5) "10 yen coin" button pressed, number button " 1 and 0
Press the "0" button and the "sheet" button. (6) Press the "confirmation" button. Then, operate the touch panel of the customer operation unit 4.

At this time, the screen displays a current input amount “the input amount” calculated by the main control unit 3 based on the total amount of the amount “payment amount” input by the customer in step S 4 and the input value on the customer operation screen C. Is displayed to prevent erroneous input when the customer inputs the denomination and the number of denominations. When the "confirmation" button indicating the end of the input is pressed, the main control unit 3 calculates the total amount and compares it with the withdrawal amount input in S4 (S8). In this case, if the amounts match, the center communication of S9 is performed. If the amounts do not match, the customer operation screen C of FIG. 5 of S7 is displayed again, prompting re-input.

By these steps S5 to S8, S
This constitutes a step of designating the denominations and the number of the denominations constituting the amount entered in step 4. If the entered or re-entered amount matches the withdrawn amount, the process shifts to center communication in S9, and when data is sent from the main control unit 3 to the host computer 1 installed in the center, the host computer 1 Performs customer authentication by checking the presence or absence of the balance and collating the password, and when these can be confirmed, returns the data to the main control unit 3 of the automatic transaction apparatus 2.

When the confirmation data is returned, the main control unit 3 sends the contents to be printed on the transaction statement to the card R / W unit 5,
The contents are printed on the transaction statement. If it is necessary to enter a passbook, data such as transaction details is printed on the passbook by the passbook entry machine 6 (S10). Next, cash to be paid to the customer is extracted from the banknote pay-in / pay-out device 7 and the coin pay-in / pay-out device 8,
The card, passbook, transaction statement, and cash to be paid are delivered to the customer (S11), and the transaction ends.

Steps S10 and S11 constitute a step for paying the customer. In addition, even if it is necessary to set a limit on the number of denominations in order to cope with a case where the amount of cash held is insufficient for the number of denominations of cash to be paid, a method such as changing the determination conditions in step S8 is used. Of course, the content of the present invention can be applied.

In the above, the case of a payment transaction has been described. However, in the case of a transaction involving withdrawal, such as payment of change at the time of transfer transaction, exchange cash at the time of exchange, and cash returned by partial deposit at the time of deposit. Similar services can be provided.

[0020]

As described above, according to the present invention, if the customer desires, the denomination and the number of cash to be paid can be designated, and the designated denomination and the number of coins can be designated accordingly. Being able to make payments eliminates the hassle of customers having to visit during business hours at bank counters or use a dedicated currency exchange machine to obtain the desired cash. The effect that the service is further improved can be obtained.

[Brief description of the drawings]

FIG. 1 is a flowchart of a transaction process according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a system according to the embodiment of the present invention;

FIG. 3 is a customer operation screen A according to the embodiment of the present invention.

FIG. 4 is a customer operation screen B according to the embodiment of the present invention.

FIG. 5 is a customer operation screen C according to the embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Host computer 2 Automatic transaction device 3 Main control part 4 Customer operation part 5 Card R / W part 6 Passbook bookkeeping machine 7 Banknote depositing / dispensing machine 8 Coin depositing / dispensing machine

Claims (3)

[Claims] 1. A transaction method of an automatic transaction apparatus for conducting a transaction involving withdrawal, comprising: a step of inputting an amount; a step of designating a denomination constituting the amount and the number thereof; A transaction method of an automatic transaction device that executes a step of paying a number to a customer. 2. A program for an automatic transaction apparatus for performing a transaction involving withdrawal, comprising: an input means for inputting an amount requested by a customer; and an input for designating a denomination constituting the amount and the number thereof. Means and a program for functioning as a payment means for paying a designated denomination and its number to a customer. 3. An automatic transaction apparatus for performing a transaction involving withdrawal, comprising: input means for inputting an amount requested by a customer; input means for specifying a denomination constituting the amount and the number thereof; An automatic transaction apparatus, comprising: payment means for paying a seed and its number to a customer; allowing the customer's operation unit to input a desired denomination and the number of the money; and paying the designated denomination and the number.