JP2003077031A - Automated teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automated teller machine allowing a user to pay out (making payment reservation) without directly carrying cash. SOLUTION: This automated teller machine 1 provided with an operation display and input part 3 having at least an operation guide display part 3 and an input part, and cash paying in and out mechanism parts 6, 7, produces payment reservation information including at least a payee, the payment and a payment place on the basis of the operational input from the operation display and input part 3, transmits the produced payment reservation information to a host computer 11, and arranges the distribution of the cash on the basis of the payment reservation information at the host-computer side.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine, and more particularly to an automated teller machine which can receive cash at home without taking it home.

[0002]

2. Description of the Related Art A user operates a cash automatic transaction apparatus installed at a financial institution or the like to receive cash payment when cash is required. The user who receives the payment will usually carry cash with him.

On the other hand, in Japanese Unexamined Patent Publication No. 2000-003469, "Cash automatic transaction device", when the change cannot be paid with cash, this fact is displayed on a liquid crystal display unit so that the change can be replaced with a cash value. It is shown that the certificate is printed and issued.

[0004]

In recent years, there have been many cases in which users are robbed of cash while they are returning cash paid out by financial institutions, and carrying cash is dangerous.

Further, the technique disclosed in the above publication is a technique in which the automatic teller machine issues to the user a certificate having the same value as cash to the user, and the user needs to receive the cash again at the financial institution. is there.

The present invention has been made in view of these problems, and provides an automatic teller machine that allows a user to pay out (make a payment reservation) without directly carrying cash.

[0007]

The present invention adopts the following means in order to solve the above problems.

In an automatic teller machine including an operation display input section 3 having at least an operation guide display section and an input section, and a cash deposit / withdrawal mechanism section, the automatic teller machine is:
Based on the operation input of the operation display input unit 3, payment reservation information including at least the recipient, the payment amount, and the payment place is generated, and the generated payment reservation information is transmitted to the host computer.

[0009]

DETAILED DESCRIPTION OF THE INVENTION Embodiments of the present invention will be described below with reference to the accompanying drawings. FIG. 1 is a diagram showing a system configuration of an automated teller machine according to an embodiment of the present invention. In the figure, 1 is an automated teller machine for performing cash withdrawal or deposit transaction, etc., and the automated teller machine 1 is connected to an automated teller machine connection part 13 of a host computer 11 via a host computer connection part 8. It

The automatic teller machine 1 displays an operation guide or an announcement screen for the user and an operation display input section 3 for inputting the operation of the user by a touch panel or the like, and a card reading mechanism section for inserting and ejecting a cash card or the like. 4, a passbook / details slip printing mechanism unit 5 for printing / inserting and discharging a passbook and printing / discharging a transaction statement, a banknote deposit / withdrawal mechanism unit 6 for inserting / discharging banknotes, a coin depositing / dispensing mechanism unit 7 for inserting / discharging coins A payment reservation information control unit 9 for storing payment reservation information in the payment reservation information file and a payment reservation information file 10 are provided. In addition, although it may be omitted in the following example, the payment reservation information control unit 9 (simply referred to as a control unit) executes the control related to the payment reservation based on the input information of the user.

The host computer 11 comprises a host computer control unit 12, an automatic teller machine connection unit 13, a payment reservation information master control unit 14 and a payment reservation information master file 15. As shown in FIG. 4, the payment reservation information file 10 and the payment reservation information master file 15 are composed of a user name (recipient), a receiving date, a receiving time zone, a receiving place, and an amount of money.

FIG. 2 is a diagram showing an update process of the payment reservation information. First, the automatic teller machine 1 is, as needed, the host computer connecting section 8 and the automatic teller machine connecting section 13.
It connects to the host computer control unit 12 via and makes an update request for the generated payment reservation information stored in the payment reservation information file 10 (step 100).

Host computer 1 that has received the update request
1 determines whether the update request is appropriate, and when the update request is determined to be appropriate, stores the received update request in the payment reservation information master file 15 as updated payment reservation information (steps 101 and 102). Next, the host computer 11 transmits the update result to the automatic teller machine 1 through the automatic teller machine connection unit 13 and the host computer connection unit 8 (step 103). The automated teller machine 1 updates the payment reservation information file 10 based on the received update result and ends the process (step 10).
4).

FIG. 3 is a diagram showing a transaction process of the automatic teller machine. First, in step 200, the user operates the operation display input unit to select a payment transaction from the displayed menu. In step 201, the user inserts the card into the card reading mechanism unit 4. In step 202, the operation display input section 3 displays a screen prompting the user to input the personal identification number and the payout amount. At step 203, the user inputs the personal identification number and the payout amount. At this time, the payment display is selected and displayed on the operation display input unit 3.

If the user selects payment reservation, the process proceeds to step 204, and if not, the process proceeds to step 210. In step 210, the payment amount is confirmed to the user, central communication with the host computer is performed in step 211, the transaction result is printed on the statement slip in step 212, and the user prints the card statement in steps 213 and 214. And, the banknote is received, and the transaction processing is ended.

In step 204, a screen prompting the user to input payment reservation information (for example, user name, receiving date, receiving time zone, receiving place) is displayed on the operation display input section. The user inputs the required information accordingly. It should be noted that, at the time of this input, by storing the user name, the receiving place, etc. in a medium such as a card and recognizing it on the side of the automated teller machine, it is possible to omit these inputs and shorten the reservation process to some extent. . In step 205, the user confirms the payment reservation information, and in step 206, central transaction of a transaction message with the host computer is performed. Step two
In 07, when the payment transaction permission is received from the host computer, the payment reservation information control unit 9 stores the payment reservation information in the payment reservation information file 10 as shown in FIG. To do. In step 208, the transaction result received from the host computer in the central communication, that is, the result input by the user as the reservation information is also printed on the statement slip. In step 209, the process ends when the user receives the card and statement. Thereafter, the host computer side or the automatic teller machine side can arrange cash delivery based on the payment reservation information. Of course, after the arrangement is completed,
Of the information stored in the reservation information file 10, the target reservation information is deleted.

In the present embodiment, the automatic payment transaction apparatus 1 is provided with the payment reservation information file 10, and the update processing of the payment reservation information master file 15 is executed at the time of central update based on the information recorded in the file. However, it is also possible to provide the payment reservation information master file 15 in the host computer 11 and update the payment reservation information master file 15 without the payment reservation information file 10. Since the processing by the host can immediately perform the reservation processing online, there is an effect that the payment reservation processing can be executed faster than the automatic cash transaction processing.

When the user selects the payment reservation, the payment reservation process (steps 204 to 209) is executed, but the cash balance information previously stored in the cash deposit / withdrawal mechanism section of the automatic teller machine is acquired. Equipped with detection means,
The payment reservation process can be executed when the detection means detects a balance shortage. With this configuration, the amount of cash stored in the automated teller machine is small (eg, 505
However, many users wish to pay (eg, 1 million yen)
You can even pay the user. Further, it is possible to provide a failure detecting means for detecting a failure of the automatic teller machine in advance, and execute the payment reservation process when the detecting means detects a failure of the apparatus.

As described above, according to this embodiment, the user does not need to bring cash with him, so that security can be secured. Further, even if the bill depositing / dispensing mechanism unit is in trouble or the cash is insufficient, the payment transaction can be reserved, so that the convenience of the user can be improved.

[0020]

As described above, according to the present invention, there is provided an automatic teller machine which allows a user to pay out (make a payment reservation) without directly carrying cash.

[Brief description of drawings]

FIG. 1 is a diagram showing a system configuration of an automated teller machine according to an embodiment of the present invention.

FIG. 2 is a diagram showing an update process of payment reservation information.

FIG. 3 is a diagram showing a transaction process of the automatic teller machine.

FIG. 4 is a diagram showing a payment reservation information file and a payment reservation information master file.

[Explanation of symbols]

1 automated teller machine, 2 control unit 3 Operation display input section 4 Card reading mechanism 5 Passbook / Detailed sheet printing mechanism 6 Banknote deposit / withdrawal mechanism 7 Coin deposit / withdrawal mechanism 8 Host computer connection 9 Payment reservation information control unit 10 Payment reservation information file 11 Host computer 12 Host computer controller 13 cash automatic transaction device connection part 14 Payment reservation information master control unit 15 Payment reservation information master file

Claims (3)

[Claims] 1. An automated teller machine including an operation display input unit including at least an operation guide display unit and an input unit, wherein the automated teller machine is a payee based on an operation input of the operation display input unit. An automatic teller machine comprising a control unit for generating payment reservation information including a payment amount and a payment place. 2. An automated teller machine comprising an operation display input section having at least an operation guide display section and an input section, and a cash deposit / withdrawal mechanism section, wherein the automated teller machine is stored in the deposit / withdrawal mechanism section. A balance detection unit for acquiring cash balance information is provided, and when the detection unit detects a lack of balance, it generates payment reservation information including at least the recipient, the payment amount, and the payment place based on the operation input of the operation display input unit. An automatic teller machine, which transmits the generated payment reservation information to a host computer. 3. An automated teller machine comprising an operation display input section having at least an operation guide display section and an input section, and a cash deposit / withdrawal mechanism section, wherein the automated teller machine detects a failure of the apparatus. When a failure detection unit is detected by the detection unit, payment reservation information including at least the recipient, the payment amount, and the payment location is generated based on the operation input of the operation display input unit, and the generated payment reservation is generated. An automated teller machine, which transmits information to a host computer.