JP2002342809A - Automatic teller system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To use a mobile terminal as an input and output means for an automatic teller system in the present invention. SOLUTION: The mobile terminal is easily connected directly to the automatic teller system with a radio wave by a radio transceiving means using a communication means of which the transmission distance is relatively short, and the mobile terminal is used as an input and output means for an information control means line-connected to an automatic teller machine. An sound output is used as an information output means of the mobile terminal to be used as a transaction input and output means for the visually handicapped person.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an automatic cash transaction system.

[0002]

2. Description of the Related Art As described in Japanese Patent Application Laid-Open No. H10-162243, a key input operation is performed in advance using a wireless terminal, and when the automatic teller machine is operated, the input contents are received. Based on that information, they were conducting transactions. In addition, the use of commonly-used mobile terminals such as mobile phones and PHSs minimizes new investment and realizes a simple and inexpensive automated cash transaction system that can send data to automated teller machines safely and reliably. I have.

[0003]

In the above conventional example, the customer uses a portable terminal as a means for inputting transaction information and a display means for confirming the input information. However, the use of a telephone line from a mobile phone or PHS as an information transmission means imposes a cost burden on a customer or a financial institution.

An object of the present invention is to realize transmission and reception of information between a portable terminal and an automatic cash transaction system without using a public telephone line. Another object of the present invention is to use a portable terminal as a means for outputting voice information, thereby making it possible to use a customer's own portable terminal as a transaction input / output means for visually impaired persons while minimizing new investment.

[0005]

A portable terminal possessed by a customer having display means, input means, wireless transmission / reception means and voice output means, and an automatic cash transaction apparatus connected to a communication line and operated by the customer to conduct a transaction. And a transmission / reception means for directly wirelessly connecting the transaction information management means connected to the communication line with
Information can be transmitted and received without going through a public telephone line. A means for receiving and storing the transaction information from the mobile terminal in the information management device; an information management means for transmitting the stored transaction information to an automatic teller machine operated by a customer; If a means for transmitting data is provided, it is possible to use a portable terminal held by the customer as a transaction input / output means for the visually impaired.

[0006]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a functional block diagram of the inside of an automatic cash transaction apparatus 1 (hereinafter, automatic transaction apparatus). In the figure, the automatic transaction apparatus includes a display unit 2 for displaying operation guidance and the like for a customer, an input unit 3 including a touch panel for inputting selection / confirmation, a card processing unit 4, a cash processing unit.
5, a passbook processing unit 6, a line I / F unit 7 for enabling communication with a center of a financial institution, and the like, and a main control unit 8 for controlling the whole.

FIG. 2 is a configuration diagram of an embodiment of an automatic cash transaction system connected to a financial institution center or the like.

The communication line 9 is an automatic teller machine 1, LA
N (local area network) etc.
The information management device 10, the router 11, and the wireless transmission / reception device 12 are connected. An information management device 10 such as a server controls data exchanged on the communication line 9. The router 11 is connected to an external communication line 20, and is connected to a host computer 30 installed in another place. The wireless transmitting / receiving device 12 is connected to the transmitting / receiving antenna 13 and communicates with the mobile terminal 40. Mobile terminal 40
Has a transmitting / receiving antenna 41, a wireless transmitting / receiving means 50, a display means 42 including a liquid crystal display device, an input means 43, an audio output means 44, and an audio input means 45. The mobile terminal 40 is, for example,
It is a mobile phone, a PHS, and a PDA, and communicates with the wireless transmitting / receiving device 12 by radio.

FIG. 3 is an operation flowchart when the portable terminal 40 according to the present invention is used. Hereinafter, the operation procedure will be described along the flowchart. () Shows steps in the flowchart.

The portable terminal 40 has a means for recognizing the financial institution used by the customer in advance, so that stable transmission and reception can be performed between the transmitting and receiving antenna 13 of the cash transaction system and the transmitting and receiving antenna 43 of the portable terminal. (101), the information management device 10 transmits character information and voice information to the portable terminal by the wireless transmitting / receiving means 50 (103), and the received portable terminal 40 displays the display means 42. Alternatively, the use of the financial institution, such as guidance for visiting the store, possible transactions, and financial product information, is provided by the voice output means 44 (105). As the wireless transmission / reception means 50, a simple extension device such as Bluetooth or wireless LAN having a relatively short transmission range is used to prevent interference with external information and leakage of information. The information management device 10 waits for a transaction input from the customer together with the transmission of the guidance information. The customer selects and inputs the use of the automatic transaction apparatus 1 from the received guidance information using the input means 43 of the mobile terminal 40, and transmits a transaction start from the mobile terminal 40 to the information management apparatus 10 (106). The information management device 10 that has received the information on the start of the transaction specifies the destination of the information, so that the information can be transmitted and received simultaneously with a plurality of other customers. The information management device 10 that has specified the customer provides guidance of the transaction by using text information or voice information (110). This need not be performed toward the automatic transaction apparatus 1, but can be performed at any place where transmission and reception with the information management apparatus 10 can be performed stably. For example, when a deposit transaction is selected, the customer inputs the account number and the deposit amount by input means 43.
Enter more. At this time, the personal information held by the financial institution, such as the account number, is obtained by the information management device 10 via the public line 20 from the financial institution center 30 after performing personal authentication by inputting the password (115). Enable (119). The personal information is converted into voice data by the information
, And guidance by voice information from the voice output means 44, making it possible to eliminate the need for the customer to input a number of digits (122). When all the transaction information is input and transmitted, the information management apparatus 10 that has received the information transmits the information again to the portable terminal 40 as character information or voice information, and waits for confirmation of the content by the customer (126). The information management device 10 that has received the confirmation completion information stores the customer and the transaction contents (128). A fixed period is provided for holding the stored information, and when the time has expired, the information is deleted by notifying the customer via the wireless transmission / reception means 50 or the public telephone line to delete the information.

FIG. 4 shows an operation flow chart of the automatic cash transaction apparatus 1 by a customer who has input a transaction in advance through the portable terminal 40. When the information management device 10 transmits the transaction start from the mobile terminal 40 when the customer goes to any automatic transaction device 1 during the information storage period (201), the information management device 10 Then, the customer recognizes which automatic transaction device the customer is with (203). The automated transaction device 1 recognizes that the recognized information management device 10 is a customer receiving the transaction information from the mobile terminal and that the subsequent operation guidance is performed by voice information from the customer's mobile terminal 40. (205). The customer sends a confirmation notice from the portable terminal 40 (206). This makes it possible to provide guidance on transaction operations by voice information from the portable terminal, and can be used as an input / output means for visually impaired persons. The information management device 10 receiving the confirmation waits for the insertion of the magnetic card or passbook and the input of the personal identification number (209, 210). After the medium is inserted, personal identification is performed at the financial institution center 30 based on the account number in the magnetic information read by the card processing unit 4 or the passbook processing unit 6 and the password input by the portable terminal 40 (213). When the personal authentication is successful, the information management device 10 transmits the stored transaction of the customer to the automatic transaction device 1 and, at the same time, transmits an operation guide by voice to the mobile terminal 40 (215, 216). In the case of the deposit transaction of the present embodiment, voice guidance of cash input such as "Please insert cash" is performed. Thereafter, voice guidance according to the processing of the automatic transaction apparatus 1 is transmitted to the mobile terminal 40. When all the processes in the automatic transaction apparatus 1 are completed, the customer sends confirmation information of transaction completion (217, 218). The financial institution center 30 that has received it transmits a transaction completion notification to the information management device 10 (22
(0), the information management device 10 deletes the transaction from the storage (22
1).

In this embodiment, the portable terminal is used as the input / output means for the visually impaired person to the automatic teller machine. However, the portable terminal can be used as the input / output means to another information terminal.

[0014]

As described above, according to the present invention, it is possible to directly transmit and receive information to and from the automatic cash transaction system without going through the public telephone line, thereby eliminating the cost burden of using the communication line. In addition, when connection to a public telephone line is not required and the connection procedure is simplified, a portable terminal can be easily used as an information input / output unit for an automatic teller machine. Furthermore, if there is a voice output means, the customer's own mobile terminal can be used as an input / output means for the visually impaired, and it is possible to respond to the visually impaired without requiring new investment, and by using a mobile terminal familiar to customers, The burden on operability can be reduced.

[Brief description of the drawings]

FIG. 1 is a functional block diagram showing the inside of an automatic teller machine.

FIG. 2 is a configuration diagram of an automatic cash transaction system and a portable terminal connected to a financial institution center or the like according to the present invention.

FIG. 3 is a flowchart of a prior input of a transaction from a mobile terminal.

FIG. 4 is an operation flowchart of the automatic transaction apparatus by a customer who has input a preliminary transaction.

[Explanation of symbols]

1 ... automatic teller machine, 10 ... information management device, 20 ... external communication line, 30 ... financial institution center, 40 ... portable terminal, 50 ... wireless transmission / reception means.

Claims (3)

[Claims] Claims: 1. A means for a customer to transmit transaction information from a portable terminal to an automatic cash transaction system in advance, and when the customer starts a transaction using an arbitrary automatic transaction device, the customer is only required to authenticate himself / herself by inputting a personal identification number or the like. An automatic cash transaction system comprising: means for recognizing a customer and proceeding with a transaction received; and means for outputting confirmation of transaction information by the mobile terminal itself. 2. The automatic transaction system according to claim 1, further comprising means for directly transmitting / receiving information without using a public telephone line as information transmission / reception means between the mobile terminal and the automatic cash transaction system. system. 3. An automatic cash transaction system comprising means for using a customer's own portable terminal for inputting and outputting transaction information for the visually impaired by the automatic transaction system according to claim 1.