JP2003150795A - Acceptance guide device and system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a device for resolving congestion caused by complicated transactions on a cash automatic transaction machine. SOLUTION: When 'yes' is selected on a display picture for transaction confirmation (step 112), contents of a transaction picture are stored in information 37 of transaction contents in a storage device 33 of a center device (step 113). Then the center device refers to guide device information 38 preset in accordance with the transaction contents to determine a device for guide in accordance with precedence and issues an instruction for turning on the power source of internal functions of the device or for restoration from the sleep mode to perform device start processing (step 115). Next, a card is returned (step 115), and a receipt on which a transaction machine number and the transaction contents are printed as shown in Figure 4 is issued (step 150), and a picture showing a map indicating the transaction machine and client's present position as shown in Figure is displayed to guide the client (step 116).

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to financial transactions,
In particular, the present invention relates to an apparatus and system suitable for reception guidance and financial transaction business in financial institutions such as banks.

[0002]

2. Description of the Related Art In banks and post offices, transactions are carried out using an automatic transaction device using a cash card or a credit card. In these transactions, an automatic transaction device is used that performs refund from a cash account, transfer of cash by designating an account, payment of cash, acceptance of cash or entry of a passbook, issuance of a new passbook, and the like. Further, in Japanese Unexamined Patent Publication No. 5-151245, means for executing transaction by inputting transaction contents in advance as preprocessing and inserting a cash card in an automatic transaction device, and in Japanese Unexamined Patent Publication No. 11-250148, There is a window business system that pre-enters the business content at the window, issues a waiting number, and guides the customer to the window number.

[0003]

The conventional method has the following problems.

That is, when the automatic transaction device is provided with a plurality of functions, for example, due to complicated transactions of input processing such as account designation by account transfer and cash input,
The turnaround waiting time of the automated teller machine becomes long in a crowded time zone. In addition, an elderly person who is unfamiliar with the operation may be confused by not knowing the transaction operation method in front of the automatic teller machine.

An object of the present invention is, firstly, to shorten the waiting time of a transaction device by increasing the number of installed devices by specializing the transfer between accounts with a long transaction time to an inexpensive and small space device. It is in. Secondly, it is to prevent the bias of the congestion device by accepting the transaction contents when visiting the store and guiding the installation device according to the transaction contents. In particular, the installation device is not an automatic cash transaction device equipped with multiple functions of the conventional passbook entry function, cash withdrawal, transfer function,
By installing a passbook entry machine, a passbook entry machine with a passbook carry-over function, a cash refund machine, etc., it is possible to shorten the waiting time for customers who perform transactions with short processing time, and also install a transaction terminal with short transaction time. The number can be reduced.
Thirdly, by turning on the power supply of the transaction device or the function inside the device according to the contents of the reception through the reception terminal, unnecessary power is not supplied, so that energy saving and global warming prevention can be achieved. Fourthly, when a plurality of guiding devices are installed in the reception guidance device, a staff member assigns a priority order and guides from a device having a higher priority order.
For example, it is possible to uniformly operate the cash balance by lowering the priority of the cash payout device whose balance is insufficient, and prevent the device from being suspended due to lack of cash. Alternatively, by lowering the priority of devices with many failures, the operating rate of the entire system is improved. Fifth, by providing the device with a consultation corner for guidance on work contents and a function for writing an application form, it is possible to reduce the labor of the staff.

[0006]

According to the present invention, a medium for authenticating an individual, a means for displaying a service, an input means for selecting a service, a means for confirming the service content, and a means for printing and issuing a waiting number of a window are issued. And a means for connecting to a higher-ranking host, which makes a particularly time-consuming transfer between accounts in an automated teller machine, and is less expensive and requires less space than an automated teller machine. The waiting time of the transaction device can be shortened by increasing In addition, the installation device guided by the accepting device is not a conventional automated teller machine having a plurality of functions of a passbook entry function, cash payout, and transfer function, but a passbook entry machine or a passbook entry machine with a passbook carry-over function, cash By installing a device for each function such as a refund machine, it is possible to shorten the waiting time of a customer who makes a transaction with a short processing time. When it is applied to an automated teller machine having a plurality of functions, it is possible to deal with it by not mounting the functions to be mounted or turning off the power. Energy can be saved because unnecessary power is not turned on by turning on the power supply of the transaction device or the function inside the device according to the received content through the reception terminal. Further, when a plurality of devices are installed in the reception guidance device, when a plurality of units are installed, the staff assigns a priority and guides the device from the device with the highest priority. It is possible to uniformly operate the cash balance by lowering the priority order of, and it is possible to prevent the device from being suspended due to lack of cash. Alternatively, by lowering the priority of devices with many failures, the operating rate of the entire system is improved. In addition, as described in Japanese Patent Laid-Open No. 5-151245, by inputting transaction details in advance as pre-processing, a device to be preferentially guided is determined by a program calculated from future operating conditions and transaction time, thereby waiting for customers. The time can be shortened. In addition, because it is a cheap and space-saving device, it is possible to provide sufficient processing time for people who are unfamiliar with input operations by increasing the number of installations and providing chairs.
Since there is time to spare, by providing more detailed explanations at the time of transaction than the conventional automated teller machine, or by providing a consultation corner such as guidance on business contents and a function of writing an application form Can be reduced.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described in detail below.

FIG. 7 is a block diagram showing the configuration of an online system including a reception guide device, an automatic transaction terminal 10, a center device 30, and a counter terminal 20 which are terminals according to the present invention. It is a structural example which connected the cash automatic payment acceptance device. In addition, FIG. 8, FIG.
0 is a perspective view of the reception guidance device, FIG. 8 is a type in which an end user stands up and performs processing, and FIGS. 9 and 10 are types in which both end users sit and perform processing, but FIG. 10 particularly shows two devices. It is a side-by-side type and features multiple expansions depending on the size of the store. FIG. 11 is a layout diagram of a floor when the apparatus of FIG. 8 is used in finance such as a bank.
FIG. 11 is a layout diagram of FIGS. 9 and 10. FIG. 6 is a diagram in which a device number display plate for identifying the device number of the automatic transaction device is installed above the device. FIG. 3 is an initial screen of the reception guidance device. When the business content guidance is selected, selecting the option of the business content of the transaction, the business description, guidance of the counter number and position of the counter, and the counter waiting number tag You can search the detailed explanation of the position and operation method of the automatic machine necessary for issuing and trading. Also, if you select the application description method, you can search the description of the writing method, etc., so that you can prepare on the device while searching by installing the application documents for window submission in the vicinity of the device in advance. it can. In addition, balance inquiry, cash refund, cash transfer, account transfer, deposit, passbook entry,
Have a choice of window work. Operations that do not require bankbook entry, cash transactions such as transfer between accounts, balance inquiry, etc. can be performed only with this device.

FIG. 1 and FIG. 2 are flowcharts showing an embodiment of a processing procedure for inputting transaction contents of refund of deposited cash and account transfer in the online system of the reception guidance device.

In FIGS. 7, 8, 9, and 10, at the counter terminal 20, an input device 22, such as a keyboard, is used by a clerk to inform the customer of the user of the automated teller machine and the guide device information 3.
8 is input, data is transferred to the center device 30 by the communication device 23, and is stored in the storage device 33. Here, the customer information is the user's account number 34 and personal identification number 35.
Further, the guide device information 38 is a list of automatic transaction devices to be guided by the reception guide device. For a device having the same function, a staff member can check the operating status of the device, the remaining number of cash or issued passbook, the device or the function inside the device. In consideration of the failure rate, it is possible to set priorities for freely guiding. Furthermore,
The transaction information 37 is stored in the storage device 33 by inputting the transaction details in advance as pre-processing in the reception guidance device.
Since the transaction time of the customer in the automatic transaction device can be predicted by storing it in the computer and executing the process, the priority order is determined by the program calculated from the future operation status and transaction time, and the guidance device is displayed on the center device. Transfer information. In the reception guidance device 40, the display 42 is a CRT display or a liquid crystal display, and displays an operating procedure and instruction guidance to the user through the display window 62. The input device 43 is the touch panel 62 on the display and the push button 63, and is used for selecting the amount of money, the personal identification number, and the display content. Card reader 41
Is used for reading personal data magnetically recorded on the card inserted in the card insertion slot 61. The card processor 64 is used to convey the card inserted by the user from the card insertion port 51 to the card reader and return it to the user after the transaction processing is completed. The statement issuing device uses a receipt printer or the like to print the transaction result or the window waiting number and pass it to the user from the statement issuing slot 61. The control device 47 controls data extraction from these devices, recording, inspection, and operation control of these devices, and controls the operation of the above devices according to a program stored inside. Communication devices 18, 23, 32,
Reference numerals 48 and 53 are devices that perform communication between the terminal and the center.

Next, the operation of each part will be described with reference to the flowcharts of FIGS.

First, FIG. 1 is a flowchart of the cash refund input processing in the reception guidance device 40. In the initial state, the transaction content selection screen display of FIG. 3 is displayed on the display unit 62 (step 103). At that time, if the user has not yet inserted the cash card (magnetic card) storing the personal account number or the like into the card insertion slot 61 of the apparatus (step 102), the user can refund the cash deposited in the account. Touch panel 62 or push button 6
3 is selected (step 104). Next, in step 105, in the case of the first transaction, since the personal identification number 35 or the account number 34 applied at the time of opening the account has not been input, the cash card is inserted into the card insertion slot 61 of the device (step 107). , The touch panel 62 or the push button 63 is used to input the personal identification number (step 10).
9). Here, if the cash card has already been inserted into the card insertion slot 61 in step 102, the flow up to waiting for the personal identification number input in step 109 is omitted after the cash refund selection (step 124). If the personal identification number or the account number has already been input, the flow of waiting for the refund amount input in step 110 is omitted. Next, the refund amount is input through the touch panel 62 or the push button 63 (step 110), and the transaction content confirmation screen of FIG. 5 is displayed (step 111). When "Yes" is selected on the transaction confirmation display screen (step 112), the contents of the transaction screen are stored in the transaction content information 37 of the storage device 33 of the center device (step 113). At this time, the center device refers to the guide device information 38 set in advance in accordance with the transaction content, determines the device to be guided according to the priority order, issues a command to turn on the power of the function inside the device or return from the sleep mode, Perform startup processing (step 15)
1). Next, the card is returned (step 115), and the card shown in FIG.
The customer is guided by issuing a receipt showing the transaction device number and transaction contents (step 150), and displaying a screen showing the transaction device of FIG. 5 and a map showing the current position (step 116). If "No" is selected in the confirmation of the transaction content displayed in step 112 and the refund transaction is redone in step 117, the refund amount is input in step 110. Otherwise, the cash refund transaction in step 118 is performed. Select whether or not to perform other transactions. If another transaction is selected in step 118, step 103
In the transaction content selection screen, the transaction is terminated after returning if the card is inserted or when the card is not inserted in the transaction content selection screen. The customer completes the transaction by inserting the cash card into the guided device shown in FIG. 6 and inputting the personal identification number, and confirming the contents downloaded from the transaction information 37 in the storage device of the center.

Next, FIG. 2 is a flow chart of an input process in the case where a transfer is made from one's own account to another account in the reception guidance device 40. In the initial state, the transaction content selection screen display of FIG. 3 is displayed on the display unit. It is displayed on 62 (step 203). At that time, if the user has not yet inserted the cash card (magnetic card) storing the personal account number and the like into the card insertion slot 61 of the device (step 2
02), the user selects the transfer from the account by the touch panel 62 or the push button 63 for the transfer of cash or the transfer from the account opened by the user (step 204), and in the case of the first transaction in step 205, Since the personal identification number 35 of the person who applied for opening the account has not been entered, the cash card is used as the card insertion slot 61 of the device.
(Step 207), and the personal identification number is input using the touch panel 62 or the push button 63 (Step 209). If the personal identification number has already been input in step 205, the flow of waiting for the transfer amount input in step 210 is omitted. If the cash card has already been inserted into the card insertion slot 61 in step 202, the flow of waiting for the personal identification number input in step 209 is omitted, and the transfer amount input (step 2
10) and the transfer destination account number input (step 222) are performed using the touch panel 62 or the push button 63, and a transaction content confirmation screen is displayed (step 211). When "Yes" is selected on the transaction details confirmation screen (Step 2
12) The transaction is executed at the center device (step 2)
13). Next, the card is returned (step 215) and a statement of transaction details is issued. In addition, if "No" is selected in the confirmation of the transaction details displayed in step 212 and the account transfer transaction is redone in step 217, the transfer destination account / amount is specified in step 210, or step 218 if it is not redone. Select whether to perform other transactions other than the bank transfer transaction of. If another transaction is selected in step 218, the transaction content selection screen of step 203 is selected. If no transaction is selected, the card is returned (step 220) and the transaction is terminated.

[0014]

As described above, the present invention is a device for guiding to a transaction device and a contact number at a counter,
Transfers between accounts are particularly time-consuming for automated teller machines, and because it can be realized at a lower cost and in a smaller space than cash transaction machines, the waiting time of the transaction machine can be shortened by increasing the number of installed machines. You can Further, by specially installing the installation device guided by the reception device for each function, it is possible to shorten the waiting time of the customer.
Further, by turning on the power supply of the transaction device or the function inside the device according to the received content through the reception terminal, unnecessary power supply is not turned on, so that energy saving can be realized. In addition, the guidance device in the reception guidance device is
When multiple units are installed, the staff assigns a priority and guides from the device with the higher priority, for example, by lowering the priority of the cash withdrawing device whose balance is insufficient, the cash balance is evenly distributed. It is possible to prevent the device from being suspended due to lack of cash. Alternatively, by lowering the priority of devices with many failures, the operating rate of the entire system is improved. In addition, waiting time is calculated from the operating status and transaction time based on the details of the transaction entered in advance,
By determining the device to be guided preferentially, the waiting time of the customer can be shortened. In addition, because it is a cheap and small space device, by providing an additional number of chairs and providing chairs, it is possible to provide sufficient processing time even for people who are unfamiliar with input operations, and there is time to spare. It is possible to reduce the labor of the staff by providing more detailed explanations at the time of transaction, a consultation corner such as guidance on work contents, and a function for writing an application form.

[Brief description of drawings]

FIG. 1 is a flowchart showing an embodiment of a processing procedure of the present invention.

FIG. 2 is a flowchart showing an embodiment of a processing procedure of the present invention.

FIG. 3 is an example of an initial screen display of the reception guidance device.

FIG. 4 is an example of printing a receipt issued by the reception guidance device.

FIG. 5 is an example of a guidance device guidance display in the reception guidance device.

FIG. 6 is an example of an installation state of devices guided by the reception guidance device.

FIG. 7 is a system block diagram of an online reception guide apparatus according to the present invention.

FIG. 8 is a perspective view of a reception guide device.

FIG. 9 is a perspective view of a reception guidance device.

FIG. 10 is a perspective view of a reception guidance device.

FIG. 11 is a layout diagram of a reception guidance device in a store.

FIG. 12 is a layout diagram of a reception guide device in a store.

[Explanation of symbols]

10 ... Automatic transaction terminal, 30 ... Center device, 40 ... Reception guidance device, 41 ... Card reader, 42 ... Display device, 4
3 ... Touch panel, 44 ... Card processor.

Continued front page    (72) Inventor Eiji Nishida             1 Ikegami Stock Market, Haruoka Town, Owariasahi City, Aichi Prefecture             Hitachi, Ltd. Information Equipment Division F-term (reference) 3E040 AA04 BA20 CA06 CA17 DA03                       EA01 FK02

Claims (4)

[Claims] 1. A counter guidance device for guiding a customer to an optimal automatic transaction device or a counter according to the transaction content when a customer inputs the transaction content in a lobby provided with a plurality of automatic transaction devices. 2. A medium for authenticating an individual, a means for displaying a service, an input means for selecting a service, a means for confirming the service contents and a means for printing and issuing a waiting number of a counter, as claimed in claim 1. A window guidance device composed of means for connecting to a host. In particular, an apparatus which has a transfer processing function between accounts in a financial institution, thereby shortening time-consuming processing in an automatic transaction device. 3. The automatic teller machine according to claim 1, wherein the automatic teller machine is turned on by a remote control from the host terminal according to the transaction content accepted by the window guidance terminal, and the startup process or the sleep mode / energy saving mode is restored. . If the guiding device is a device with multiple functions, turn on the power of only the function part that the window guidance terminal accepted or recover from the sleep mode, and do not turn on the unused functions. Means characterized by saving energy. 4. The apparatus for guiding according to claim 1, when a plurality of apparatuses having the same function are installed, an attendant assigns a priority and determines the apparatus to be guided from the apparatus having a higher priority. A reception guidance device characterized by a method of determining and guiding a device to be preferentially guided by calculating an operating condition and a transaction time from pre-input transaction contents.