JP2005202566A - Automatic cash transaction method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable selection of a stopping selection means for stopping the operation of an automatic cash transaction machine if a depositing amount of money to be paid by a customer is not matched with an amount of money counted by the automatic cash transaction machine, thereby enabling on-site storage, leaving evidence with respect to counting of paper money by the automatic cash transaction machine, persuading the customer easily, and preventing trouble due to a misunderstanding of the customer. <P>SOLUTION: The deposited paper money is counted, and the stopping selection means for stopping the automatic cash transaction machine is displayed on an operation screen along with the counted amount of money. Once the stopping selection means is selected, the automatic cash transaction machine is stopped while the deposited paper money is retained in the automatic cash transaction machine, which is notified to a person in charge. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic cash transaction method.

  Conventionally, automatic teller machines such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) have been installed at branches of financial institutions such as banks, credit unions, post offices, etc. ing. And a customer operates the said automatic teller machine by himself and performs financial transactions, such as payment, withdrawal, transfer, transfer, and passbook entry. In this case, an operation screen as a transaction selection screen is displayed on the display device including a touch panel in the customer operation unit of the automatic teller machine. Then, for example, when making a deposit, the customer touches and selects the “deposit” button from the selection items as selection means displayed on the operation screen of the display device. Thereby, since the guidance screen for deposit is displayed on the operation screen, the customer touches the operation screen according to the displayed guidance and sequentially performs operations necessary for deposit (for example, see Patent Document 1). .)

In this case, the customer inserts a passbook or cash card into the passbook insertion slot or card slot of the automatic teller machine. Then, since a banknote depositing / withdrawing port opens, the said customer inserts a banknote in a cash automatic transaction apparatus from a banknote depositing / withdrawing port. Then, the automatic teller machine counts the inserted banknotes and displays the counted amount on the operation screen, and confirms the counted amount with respect to the customer, and confirms the transaction for deposit. Displays a guidance instructing to touch the button. Here, when the customer touches the "confirm" button, the automatic teller machine prints the transaction details on the passbook after returning the transaction, and returns it to the customer. To complete the transaction. If the customer does not touch the “confirm” button but touches the button for designating the cancellation of the transaction, the automatic teller machine returns the inserted banknote and passbook to the customer and ends the transaction. To do.
JP-A-7-78279

  However, in the automatic teller machine, when the amount of money actually input is less than the amount that the customer is trying to input at the time of deposit transaction, the counted amount displayed on the operation screen is input by the customer. Less than the amount you tried. Therefore, even if it is actually a misunderstanding of the customer, the customer assumes that the automatic cash transaction apparatus has mistakenly counted the banknotes, touches the “stop transaction” button on the operation screen, stops the transaction, and cash In some cases, after the banknotes thrown into the automatic transaction apparatus were collected, the bank went to the financial institution and reported that the automatic teller machine had mistakenly counted the banknotes. However, while the customer goes to the counter and declares, the automatic teller machine is making a transaction with the next customer. For this reason, there is no evidence that the automatic teller machine has mistakenly counted the bills as reported by the customer, and there is a problem that the staff at the counter has a hard time persuading the customer.

  The present invention solves the above-mentioned conventional problems, and a stop selection for stopping the operation of the automatic teller machine when the expected deposit amount that the customer tried to deposit does not match the counted amount by the automatic teller machine The means can be selected, the site can be saved, the evidence regarding the counting of banknotes by the automatic teller machine can be left, the customer can be easily persuaded, and the trouble caused by the misunderstanding of the customer It is an object to provide an automatic cash transaction method that can prevent the occurrence of cash.

  Therefore, in the automatic cash transaction method of the present invention, when the inserted banknote is counted, a stop selection means for stopping the automatic cash transaction apparatus together with the counted amount is displayed on the operation screen, and the stop selection means is selected. The automatic teller machine is stopped in a state where the inserted banknotes are stored in the automatic teller machine, and the attendant is notified.

  In another automatic cash transaction method of the present invention, a confirmation selection means is displayed on the operation screen together with the stop selection means, and when the confirmation selection means is selected, the automatic teller machine performs transaction processing.

  In still another automatic cash transaction method of the present invention, a cancellation selection means is displayed on the operation screen together with the stop selection means, and when the cancellation selection means is selected, the automatic teller machine is configured to insert the inserted banknote. return.

  In still another automatic cash transaction method of the present invention, after the expected deposit amount is input, a bill insertion instruction is displayed on the operation screen, the inserted bills are counted, and the expected deposit amount and the counted amount are counted. When the stop selection means for stopping the automatic cash transaction apparatus is displayed on the operation screen and the stop selection means is selected, the inserted banknotes are stored in the automatic cash transaction apparatus. The automatic teller machine is stopped and the attendant is notified.

  In still another automatic cash transaction method of the present invention, a confirmation selection unit is displayed on the operation screen together with the stop selection unit, and when the confirmation selection unit is selected, the automatic teller machine performs transaction processing.

  According to the present invention, it is possible to select a stop selection means for stopping the operation of the automatic teller machine when the expected deposit amount that the customer tried to deposit does not match the counted amount by the automatic teller machine. It has become. Thereby, the field can be preserved, evidence relating to the counting of banknotes by the automatic teller machine can be left, the customer can be easily persuaded, and troubles due to misunderstanding of the customer can be prevented.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 2 is a block diagram showing the configuration of the control system of the automatic teller machine according to the first embodiment of the present invention.

  In the figure, 10 is an automatic cash transaction apparatus such as ATM, CD, etc. installed in a branch of a financial institution such as a bank, a credit union, a post office, etc. It is a device for conducting financial transactions such as withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting. The automatic teller machine 10 includes stores such as convenience stores, supermarkets, department stores, underground shops, station premises, city halls, public facilities such as hospitals, private companies such as factories and offices, parking lots, roadsides. (Waki) etc. may be arrange | positioned outdoors. The automatic teller machine 10 is a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. Also good. The customer is a person who opens an account with a financial institution and performs the financial transaction.

  And the said automatic teller machine 10 has the customer operation part 11 provided with operation screens 26, such as input devices, such as a keyboard, a touch panel, and a push button, display apparatuses, such as CRT, a liquid crystal display, and a LED (Light Emitting Diode) display. . The operation screen 26 is preferably a touch panel having both functions of an input device and a display device. Further, the customer operation unit 11 may include a voice output device such as a speaker for outputting voice guidance or the like, a voice input device such as a microphone for allowing the customer to talk with a staff member of a financial institution, or the like. Good.

  Moreover, the said automatic teller machine 10 has the passbook entry machine 12 which writes in a passbook, such as a deposit passbook. Here, the passbook is a booklet passbook such as a deposit passbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  Further, the passbook registering machine 12 includes a passbook slot (not shown) into which a passbook is inserted, a transfer device (not shown) for transferring the passbook, a print head for printing the financial transaction record on the passbook, In addition, a recording head such as a magnetic head for reading, overwriting, erasing information stored in the magnetic stripe of the bankbook or the IC is provided.

  The automatic teller machine 10 further includes a statement slip printing device 13 that prints transaction details and issues a statement slip. The statement slip is a piece of paper on which information related to financial transactions performed by the customer such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, fixed deposit, etc., is printed, account number, financial transaction Type, transaction amount, etc. are printed. The statement slip may be issued only when the customer desires.

  And the said automatic teller machine 10 has the banknote depositing / withdrawing apparatus 14 which handles a banknote. The banknote deposit / withdrawal device 14 receives and counts, i.e., counts, a banknote deposited by a customer in a financial transaction such as deposit, and pays out a predetermined amount of banknote from a banknote receiving port in a financial transaction such as withdrawal. In the bill depositing / dispensing apparatus 14, a shutter 21 that can be opened and closed is disposed at the bill receiving port, and the shutter 21 is opened when the bill is dispensed. Moreover, the banknote depositing / withdrawing apparatus 14 deposits the banknotes received one by one, the banknote discriminating unit 23 for performing the true / false judgment, denomination discrimination, banknote counting, etc. A temporary storage unit 24 that temporarily stores banknotes, and a safe 25 that is provided with a feeding means for storing banknotes by denomination and transporting banknotes.

  Further, the automatic cash transaction apparatus 10 is a kind of computer that operates according to a program, and has a main control unit 15 that comprehensively controls the operation of the automatic cash transaction apparatus 10. The main control unit 15 includes a calculation unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and includes the customer operation unit 11, the passbook entry machine 12, the statement slip printing device 13, and the bill entry / exit. It is communicably connected to the gold device 14 and controls the operations of the customer operation unit 11, the passbook bookkeeping machine 12, the statement slip printing device 13 and the banknote depositing and dispensing device 14. The automatic cash transaction apparatus 10 is communicably connected to a host computer of the financial institution as a billing host apparatus (not shown) and performs a financial transaction.

  Next, operation | movement of the cash automatic transaction apparatus 10 of the said structure is demonstrated. Here, a case where the financial transaction is a deposit will be described.

  FIG. 1 is a flowchart showing the operation of the automatic teller machine according to the first embodiment of the present invention. FIG. 3 is a first diagram showing a display example of an operation screen according to the first embodiment of the present invention. These are the 2nd figures which show the example of a display of the operation screen in the 1st Embodiment of this invention.

  First, the customer operates the customer operation unit 11 of the automatic teller machine 10 to start a financial transaction for deposit. In this case, the operation screen 26 displays a screen for selecting a financial transaction as shown in FIG. 3A as an initial screen. Here, description will be made assuming that the operation screen 26 of the customer operation unit 11 is a touch panel having a function as an input device. In this case, on the operation screen 26, as a selection means for selecting a financial transaction, “withdrawal”, “deposit”, “deposit”, which indicate selection items of withdrawal, deposit, balance inquiry, transfer, transfer, and passbook entry. Buttons for “Balance inquiry”, “Transfer”, “Transfer” and “Entry in passbook” are displayed. In addition, a “cancel” button is displayed on the operation screen 26, and when it is desired to cancel the process, the process can be canceled by touching the “cancel” button. Furthermore, animation of a moving image in which a character performs a bowing operation for receiving a customer is displayed.

  Then, the customer touches the “deposit” button and selects to deposit as financial processing. Then, in response to a command from the main controller 15, the operation screen 26 is instructed to insert the passbook into the passbook slot of the bookkeeping machine 12, as shown in FIG. And an illustration showing the operation of inserting the passbook into the passbook slot of the passbook entry machine 12 is displayed. Then, when the customer inserts a bankbook into the bankbook slot, the bankbook registering machine 12 takes in the bankbook according to a command from the main control unit 15. Further, as shown in FIG. 3B, a “Cancel” button is displayed on the operation screen 26. When the customer wants to cancel the process, the customer touches the “Cancel” button to perform the process. Can be canceled.

  Subsequently, the shutter 21 of the banknote depositing / dispensing device 14 is opened by an instruction from the main control unit 15, and the operation screen 26 instructs to insert the banknote as shown in FIG. An illustration showing the operation of inserting the banknotes into the banknote receiving port of the banknote depositing / dispensing device 14 is displayed together with the words “please put them together.” In addition, a “cancel” button is displayed on the operation screen 26 shown in FIG. 3C, and when it is desired to cancel the process, the process can be canceled by touching the “cancel” button. When the customer inserts banknotes, according to a command from the main control unit 15, the one-sheet separating mechanism 22 of the banknote depositing / dispensing device 14 separates the inserted banknotes one by one, and the banknote discrimination unit 23 is inserted. Authenticity discrimination, denomination discrimination and counting are performed. As shown in FIG. 3 (D), the operation screen 26 is instructed by the command of the main control unit 15 until the bill authenticity discrimination, denomination discrimination and counting by the bill discrimination unit 23 are completed. An animation is displayed with the words "I'm working right now. Please wait."

  Next, the temporary storage unit 24 stores the counted banknotes according to a command from the main control unit 15, and selects a confirmation or stop selection unit on the operation screen 26 as shown in FIG. "I will deposit with the amount so far. Please press" Confirm ". If the amount is incorrect, press “Stop”. "And the counted amount as a bill counting result are displayed. Further, a “cancel” button as a cancel selection unit, a “stop” button as a stop selection unit, and a “confirm” button as a confirmation selection unit are displayed on the operation screen 26. In this case, the customer confirms the displayed counted amount and determines whether or not to deposit.

  Then, when the planned deposit amount to be deposited and the displayed counted amount match, the customer touches a “confirm” button to deposit. Then, the main control unit 15 performs transaction processing for storing the banknotes from the temporary storage unit 24 into the safe 25 in denomination by controlling storage means (not shown). Further, according to a command from the main control unit 15, the passbook printing machine 12 prints transaction contents on the passbook, and discharges and returns the passbook from the passbook slot. Further, on the operation screen 26, as shown in FIG. 3 (F), the passbook entry is indicated together with the words “Please accept the passbook” instructing to receive the passbook discharged from the passbook slot of the passbook entry machine 12. An illustration showing the operation of receiving the passbook discharged from the passbook slot of the machine 12 is displayed. Subsequently, in response to a command from the main control unit 15, the statement slip printing device 13 prints the transaction content on a medium such as paper and issues it as a statement slip. Further, as shown in FIG. 4G, the operation screen 26 displays the issued statement slip together with the words “Please receive the usage statement” that instructs to receive the issued statement slip. An illustration showing the receiving operation is displayed. Furthermore, as shown in FIG. 4 (H), an animation indicating gratitude is displayed on the operation screen 26 together with the word “Thank you.” Indicating that the financial transaction for deposit has been completed. The financial transaction ends.

  Further, the customer confirms the counted amount displayed on the operation screen 26 shown in FIG. 3 (E), and determines that the planned deposit amount and the displayed counted amount do not coincide with each other. Touch the button. Then, the main control unit 15 keeps the bill inserted by the customer in the temporary storage unit 24 and informs the operation screen 26 that the handling is to be stopped as shown in FIG. Discontinue handling No longer available. Please wait until an attendant arrives. " Further, the main control unit 15 notifies an attendant of the financial institution that the handling of the automatic teller machine 10 has been stopped by blinking an alarm lamp or the like.

  In this case, the automatic cash transaction apparatus 10 stops operating, and the banknotes inserted into the banknote receiving port of the banknote depositing / dispensing apparatus 14 are still stored in the temporary storage unit 24. By going to the automatic transaction apparatus 10 and recounting the banknotes stored in the temporary storage unit 24, it is possible to confirm the correctness of the counted amount by the banknote discrimination unit 23. Therefore, when the mismatch between the expected deposit amount and the displayed counted amount is due to misunderstanding of the customer, the clerk easily persuades the customer by counting the banknotes stored in the temporary storage unit 24 as evidence. be able to.

  Further, in the operation screen 26 shown in FIG. 3E, when the customer wants to cancel the depositing process, the process can be canceled by touching a “Cancel” button. In this case, the main control unit 15 conveys the banknotes stored in the temporary storage unit 24 to the banknote receiving port of the banknote depositing / dispensing device 14, opens the shutter 21, and returns it to the customer. In addition, on the operation screen 26, as shown in FIG. 4 (J), an instruction to receive the banknote returned from the banknote receiving port of the banknote depositing / dispensing device 14 is "Return the banknote. Please receive the banknote. And an illustration showing an operation of receiving the banknote returned from the banknote receiving port of the banknote deposit and withdrawal device 14. And according to the instruction | command of the main control part 15, the bankbook bookkeeping machine 12 discharge | releases a bankbook from a bankbook slot and returns. Further, on the operation screen 26, as shown in FIG. 3 (F), the passbook entry is indicated together with the words “Please accept the passbook” instructing to receive the passbook discharged from the passbook slot of the passbook entry machine 12. An illustration showing the operation of receiving the passbook discharged from the passbook slot of the machine 12 is displayed. Then, as shown in FIG. 4 (H), an animation indicating gratitude is displayed on the operation screen 26 together with the word “Thank you.” Indicating that the financial transaction for deposit has been completed. The financial transaction ends.

Next, a flowchart will be described.
Step S1 Take in the passbook.
Step S2 An instruction to insert a bill is given.
Step S3 Count bills.
Step S4 The counted amount is displayed.
Step S5: It is determined whether or not to deposit. When depositing, the process proceeds to step S6, and when not depositing, the process proceeds to step S9.
Step S6 Transaction processing is performed.
Step S7 Return the bankbook.
Step S8: A statement slip is issued and the process is terminated.
Step S9: Determine whether or not to stop the apparatus. If the apparatus is to be stopped, the process proceeds to step S10. If the apparatus is not to be stopped, the process proceeds to step S11.
Step S10: The handling is stopped and the process is terminated.
Step S11 The banknote is returned.
Step S12: Return the bankbook and end the process.

  Thus, in this embodiment, after counting the deposited banknotes, in addition to the “confirm” and “cancel” buttons on the operation screen 26, the customer stops the automatic teller machine 10 and assigns the staff. A "stop" button that can be called has been added. Thereby, the said customer can stop operation | movement of the automatic teller machine 10, when the payment planned amount of money which it was going to deposit and the count amount by the automatic teller machine 10 do not correspond. Therefore, it is possible to store the site and leave evidence about the counting of banknotes by the automatic teller machine 10, so that the staff of the financial institution can easily persuade the customer and prevent trouble due to misunderstanding of the customer. can do.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 5 is a diagram showing a display example of the operation screen in the second embodiment of the present invention, and FIG. 6 is a flowchart showing the operation of the deposit transaction procedure of the automatic teller machine in the second embodiment of the present invention. .

  In addition, in this Embodiment, since the structure of the automatic teller machine 10 is the same as the said 1st Embodiment, the description is abbreviate | omitted by using FIG. Further, the display example of the operation screen 26 is the same as that in the first embodiment, and will be described with reference to FIGS.

  First, the customer operates the customer operation unit 11 of the automatic teller machine 10 to start a financial transaction for deposit. In this case, the operation screen 26 displays a screen for selecting a financial transaction as shown in FIG. 3A as an initial screen. Here, description will be made assuming that the operation screen 26 of the customer operation unit 11 is a touch panel having a function as an input device. In this case, on the operation screen 26, as a selection means for selecting a financial transaction, “withdrawal”, “deposit”, “deposit”, which indicate selection items of withdrawal, deposit, balance inquiry, transfer, transfer, and passbook entry. Buttons for “Balance inquiry”, “Transfer”, “Transfer” and “Entry in passbook” are displayed. In addition, a “cancel” button is displayed on the operation screen 26, and when it is desired to cancel the process, the process can be canceled by touching the “cancel” button. Furthermore, animation of a moving image in which a character performs a bowing operation for receiving a customer is displayed.

  Then, the customer touches the “deposit” button and selects to deposit as financial processing. Then, in response to a command from the main controller 15, the operation screen 26 is instructed to insert the passbook into the passbook slot of the bookkeeping machine 12, as shown in FIG. And an illustration showing the operation of inserting the passbook into the passbook slot of the passbook entry machine 12 is displayed. Then, when the customer inserts a bankbook into the bankbook slot, the bankbook registering machine 12 takes in the bankbook according to a command from the main control unit 15. Further, as shown in FIG. 3B, a “Cancel” button is displayed on the operation screen 26. When the customer wants to cancel the process, the customer touches the “Cancel” button to perform the process. Can be canceled.

  Subsequently, in response to a command from the main control unit 15, the operation screen 26 is instructed to input a scheduled deposit amount as shown in FIG. 5K. Along with the words, 1 to 0 “number”, “ten thousand”, “thousand”, “confirm” and “correct” buttons are displayed. Then, the customer inputs the scheduled deposit amount by touching the “number”, “ten thousand” and “thousand” buttons displayed on the operation screen 26. If the entered amount is correct, the “confirm” button Touch. If the entered amount is incorrect, the “correction” button is touched and the scheduled deposit amount is entered again. It should be noted that a “cancel” button is displayed on the operation screen 26 shown in FIG. 5K, and if the user wishes to cancel the process, the process can be canceled by touching the “cancel” button.

  Subsequently, the shutter 21 of the banknote depositing / dispensing device 14 is opened by an instruction from the main control unit 15, and the operation screen 26 instructs to insert the banknote as shown in FIG. An illustration showing the operation of inserting the banknotes into the banknote receiving port of the banknote depositing / dispensing device 14 is displayed together with the words “please put them together.” In addition, a “cancel” button is displayed on the operation screen 26 shown in FIG. 3C, and when it is desired to cancel the process, the process can be canceled by touching the “cancel” button. When the customer inserts banknotes, according to a command from the main control unit 15, the one-sheet separating mechanism 22 of the banknote depositing / dispensing device 14 separates the inserted banknotes one by one, and the banknote discrimination unit 23 is inserted. Authenticity discrimination, denomination discrimination and counting are performed. As shown in FIG. 3 (D), the operation screen 26 is instructed by the command of the main control unit 15 until the bill authenticity discrimination, denomination discrimination and counting by the bill discrimination unit 23 are completed. An animation is displayed with the words "I'm working right now. Please wait."

  Next, the main control unit 15 stores the counted banknotes in the temporary storage unit 24, and determines whether or not the input deposit scheduled amount matches the counted amount. If the scheduled deposit amount and the counted amount match, the operation screen 26 selects the confirmation selection means on the operation screen 26 as shown in FIG. Instruct to "I will deposit with the amount so far. Please press" Confirm ". ”And the input expected deposit amount and the counted amount are displayed. Furthermore, on the operation screen 26, “cancel” and “confirm” buttons are displayed as selection means. In this case, the customer confirms the displayed expected deposit amount and the counted amount, and determines whether or not to deposit.

  Then, when the planned deposit amount to be deposited and the displayed counted amount match, the customer touches a “confirm” button to deposit. Then, the main control unit 15 performs transaction processing for storing the banknotes from the temporary storage unit 24 into the safe 25 in denomination by controlling storage means (not shown). Further, according to a command from the main control unit 15, the passbook printing machine 12 prints transaction contents on the passbook, and discharges and returns the passbook from the passbook slot. Further, on the operation screen 26, as shown in FIG. 3 (F), the passbook entry is indicated together with the words “Please accept the passbook” instructing to receive the passbook discharged from the passbook slot of the passbook entry machine 12. An illustration showing the operation of receiving the passbook discharged from the passbook slot of the machine 12 is displayed. Subsequently, in response to a command from the main control unit 15, the statement slip printing device 13 prints the transaction content on a medium such as paper and issues it as a statement slip. Further, as shown in FIG. 4G, the operation screen 26 displays the issued statement slip together with the words “Please receive the usage statement” that instructs to receive the issued statement slip. An illustration showing the receiving operation is displayed. Furthermore, as shown in FIG. 4 (H), an animation indicating gratitude is displayed on the operation screen 26 together with the word “Thank you.” Indicating that the financial transaction for deposit has been completed. The financial transaction ends.

  Further, the main control unit 15 determines whether or not the input deposit scheduled amount and the counted amount match, and if it is determined that they do not match, the main control unit 15 displays the operation screen 26 as shown in FIG. Display a screen like this. In this case, the operation screen 26 is instructed to select a confirmation or stop selection method. “The scheduled deposit amount and the device count amount did not match. To call a staff member, press“ Stop ”. . If you are satisfied with this amount, please press “Confirm”. ”And the input expected deposit amount and the counted amount are displayed. Further, on the operation screen 26, “stop” and “confirm” buttons are displayed as selection means. In this case, the customer confirms the displayed expected deposit amount and the counted amount, and determines whether or not to deposit.

  Then, when the customer touches the “confirm” button to deposit money, the main control unit 15 controls the storage means (not shown) to store the banknotes from the temporary storage unit 24 into the safe 25 in denomination. Process. Subsequently, as described above, the passbook is returned, a statement slip is issued, and the operation screen 26 has screens as shown in FIGS. 3F, 4G, and 4H. The displayed financial transaction ends.

  Further, when the customer confirms the scheduled deposit amount and the counted amount displayed on the operation screen 26 shown in FIG. 5 (M) and touches the “stop” button, the main control unit 15 causes the customer to input The stored banknote is kept in the temporary storage unit 24. Then, as shown in FIG. 5 (N), the main control unit 15 informs the operation screen 26 that the handling is to be stopped. "Please wait until an attendant arrives" and display the input planned deposit amount and the counted amount. Further, the main control unit 15 notifies an attendant of the financial institution that the handling of the automatic teller machine 10 has been stopped by blinking an alarm lamp or the like.

  In this case, the automatic cash transaction apparatus 10 stops operating, and the banknotes inserted into the banknote receiving port of the banknote depositing / dispensing apparatus 14 are still stored in the temporary storage unit 24. By going to the automatic transaction apparatus 10 and recounting the banknotes stored in the temporary storage unit 24, it is possible to confirm the correctness of the counted amount by the banknote discrimination unit 23. Therefore, when the mismatch between the expected deposit amount and the displayed counted amount is due to misunderstanding of the customer, the clerk easily persuades the customer by counting the banknotes stored in the temporary storage unit 24 as evidence. be able to.

  Further, in the operation screen 26 shown in FIG. 5L, when the customer wants to cancel the deposit process, the process can be canceled by touching a “Cancel” button. In this case, the main control unit 15 conveys the banknotes stored in the temporary storage unit 24 to the banknote receiving port of the banknote depositing / dispensing device 14, opens the shutter 21, and returns it to the customer. In addition, on the operation screen 26, as shown in FIG. 4 (J), an instruction to receive the banknote returned from the banknote receiving port of the banknote depositing / dispensing device 14 is "Return the banknote. Please receive the banknote. And an illustration showing an operation of receiving the banknote returned from the banknote receiving port of the banknote deposit and withdrawal device 14. And according to the instruction | command of the main control part 15, the bankbook bookkeeping machine 12 discharge | releases a bankbook from a bankbook slot and returns. Further, on the operation screen 26, as shown in FIG. 3 (F), the passbook entry is indicated together with the words “Please accept the passbook” instructing to receive the passbook discharged from the passbook slot of the passbook entry machine 12. An illustration showing the operation of receiving the passbook discharged from the passbook slot of the machine 12 is displayed. Then, as shown in FIG. 4 (H), an animation indicating gratitude is displayed on the operation screen 26 together with the word “Thank you.” Indicating that the financial transaction for deposit has been completed. The financial transaction ends.

Next, a flowchart will be described.
Step S21: Take in the passbook.
Step S22 The customer is instructed to input the scheduled deposit amount.
Step S23: It is determined whether or not the deposited amount is correct. If the deposited amount is correct, the process proceeds to step S24. If the deposited amount is not correct, the process returns to step S22.
Step S24 An instruction to insert bills is given.
Step S25 Count bills.
Step S26: It is determined whether or not the scheduled deposit amount is equal to the counted amount. If the scheduled deposit amount and the counted amount match, the process proceeds to step S27, and if the scheduled deposit amount and the counted amount do not match, the process proceeds to step S32.
Step S27: The scheduled deposit amount and the counted amount are displayed.
Step S28: Whether or not to deposit is determined. When depositing, the process proceeds to step S29, and when not depositing, the process proceeds to step S35.
Step S29 Transaction processing is performed.
Step S30 Return the bankbook.
Step S31 A statement slip is issued and the process is terminated.
Step S32: The scheduled deposit amount and the counted amount are displayed.
Step S33: Whether or not to deposit is determined. When depositing, the process returns to step S29, and when not depositing, the process proceeds to step S34.
Step S34: The handling is stopped and the process is terminated.
Step S35 The banknote is returned.
Step S36: Return the bankbook and end the process.

  As described above, in this embodiment, after the customer has entered the expected deposit amount, the banknotes inserted are counted by instructing the insertion of banknotes. If the scheduled deposit amount does not match the counted amount, a “stop” button that allows the customer to stop the automatic teller machine 10 and call an attendant in place of the “cancel” button on the operation screen 26. Is displayed. Thereby, the customer who is dissatisfied can stop operation | movement of the automatic teller machine 10, when a money_receiving | payment planned amount and a count amount differ. Therefore, it is possible to store the site and leave evidence about the counting of banknotes by the automatic teller machine 10, so that the staff of the financial institution can easily persuade the customer and prevent trouble due to misunderstanding of the customer. can do.

  In addition, even if the planned deposit amount does not match the counted amount, if the customer touches the “Confirm” button, transaction processing is performed, but considering that this is not the customer's misunderstanding, The operation of the automatic teller machine 10 may be stopped after the end of the financial transaction, and the clerk may examine the discrepancy between the scheduled deposit amount and the counted amount.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a flowchart which shows operation | movement of the automatic teller machine in the 1st Embodiment of this invention. It is a block diagram which shows the structure of the control system of the automatic teller machine in the 1st Embodiment of this invention. It is a 1st figure which shows the example of a display of the operation screen in the 1st Embodiment of this invention. It is a 2nd figure which shows the example of a display of the operation screen in the 1st Embodiment of this invention. It is a figure which shows the example of a display of the operation screen in the 2nd Embodiment of this invention. It is a flowchart which shows the operation | movement of the deposit transaction procedure of the automatic teller machine in the 2nd Embodiment of this invention.

Explanation of symbols

10 Cash transaction machine 26 Operation screen

Claims (5)

(A) Count the inserted banknotes,
(B) A stop selection means for stopping the automatic teller machine together with the counted amount is displayed on the operation screen,
(C) When the stop selection means is selected, the automatic teller machine is stopped in a state where the inserted banknotes are stored in the automatic teller machine and notified to an attendant. . The cash automatic transaction method according to claim 1, wherein a confirmation selection unit is displayed on an operation screen together with the stop selection unit, and the cash automatic transaction apparatus performs a transaction process when the confirmation selection unit is selected. The automatic cash transaction method according to claim 1 or 2, wherein a cancellation selection unit is displayed on the operation screen together with the stop selection unit, and the automatic teller machine returns the inserted banknote when the cancellation selection unit is selected. (A) After the expected deposit amount is entered, a bill insertion instruction is displayed on the operation screen,
(B) Count the inserted bills,
(C) If the expected deposit amount and the counted amount do not match, a stop selection means for stopping the automatic teller machine is displayed on the operation screen,
(D) When the stop selection means is selected, the automatic teller machine is stopped in a state where the inserted banknotes are stored in the automatic teller machine and notified to an attendant. . The automatic cash transaction method according to claim 4, wherein a confirmation selection means is displayed on the operation screen together with the stop selection means, and the automatic teller machine performs transaction processing when the confirmation selection means is selected.

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