JP2005258714A - Automatic transaction machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a customer to make a transaction which is stopped by an additional financial transaction or functional degeneracy, in a minimally short time concerning an automatic teller machine. <P>SOLUTION: The machine comprises a main control unit, a guide means, and an input means for receiving the input of the customer so as to automatically make the transaction with the customer. When the transaction inputted by the customer with the input means cannot be treated by the own machine, the main control unit allows the guide means to perform guiding to another machine by which the transaction is treated. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine that is installed in a store such as a financial institution and automatically performs transactions with customers.

A conventional automatic teller machine installed in a financial institution's store displays a transaction selection screen on the customer operation unit and stands by, and when the transaction entered by the customer on the transaction selection screen is a withdrawal transaction, During communication with a host computer for gold transaction processing, a transaction selection screen similar to the transaction selection screen displayed during standby is displayed to accept selection input for the next transaction (for example, see Patent Document 1). .)
JP 2004-13806 A (paragraph 4 on page 4-paragraph 0033 on page 6; FIG. 1)

  However, in the above-described conventional technology, the automatic teller machine is only connected with a customer by a transaction such as a withdrawal transaction or a deposit transaction (referred to as a normal transaction) that can be performed by a part equipped in the automatic teller machine. Since transactions are in progress, lottery ticket purchase transactions using accounts opened by customers, electronic money deposit and withdrawal transactions using IC cards, and new banknote withdrawal transactions associated with revisions are newly added. When dealing with additional transactions (referred to as “additional financial transactions”) in addition to regular transactions, it is necessary to make major modifications to the equipment such as a ticketing machine for an automatic teller machine, an IC card reader / writer, and a new banknote deposit / withdrawal safe. However, it is difficult to provide additional financial transactions to customers at an early stage.

  In addition, there are many automatic teller machines installed in convenience stores and unmanned stores that have been increasing in recent years, and there is a shortage of cash used for withdrawals by this single automatic teller machine or failure of specific parts. When it becomes impossible to conduct regular transactions due to, etc., in order to continue transactions with customers as much as possible, only certain transactions can be stopped and transactions can be continued only with transactions that can be continued (referred to as functional degeneration). However, there is a problem in that it is dissatisfied with customers who want to conduct transactions using an automatic teller machine by urgently withdrawing cash or making an urgent transfer.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a means by which a customer can perform additional financial transactions and transactions stopped due to functional degradation in as short a time as possible.

  In order to solve the above-mentioned problems, the present invention is an automatic transaction apparatus that includes a main control unit, a guidance unit, and an input unit that receives a customer input, and that automatically performs a transaction with a customer. When the transaction input by the customer using the input unit is a transaction that cannot be handled by the own device, the unit performs guidance to another device that can handle the transaction by the guidance unit.

  As a result, the present invention can guide a customer who wants to conduct a transaction that cannot be handled by the device itself to another device capable of handling the transaction in as short a time as possible, and can alleviate dissatisfaction given to the customer. The effect that it can be obtained.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

1 is a block diagram showing the system configuration of the first embodiment, FIG. 2 is a front view showing the automatic teller machine of the first embodiment, FIG. 3 is a block diagram showing the automatic teller machine of the first embodiment, and FIG. It is a block diagram which shows the receipt issuing part of Example 1. FIG.
In FIG. 1, reference numeral 1 denotes an automatic teller machine as an automatic transaction device, which is a financial institution such as a bank, a post office, a convenience store, etc. (referred to as a financial institution), a store such as a post office, or an unmanned store ( It is installed in stores, etc.) and automatically conducts cash transactions with customers.

Reference numeral 2 denotes a host computer as a host device installed in a center such as a financial institution, which is connected to an automatic teller machine 1 installed in each store via a communication line 3 such as a dedicated line or a telephone line. A customer file for storing customer information such as the account number of the customer's account, its PIN, and account balance is held, and the customer's account is managed based on the customer information.
2 and 3, 5 is a main control unit of the automatic teller machine 1, which is connected to the host computer 2 via the communication line 3, and controls each part in the automatic teller machine 1 for transaction processing. Is executed and data communication and the like are also controlled.

A main storage unit 6 such as a hard disk stores a program executed by the main control unit 5, a processing result by the main control unit 5, and the like.
Reference numeral 7 denotes a customer operation unit, which is composed of a combination of a display unit such as an LCD functioning as a guidance unit and a touch panel as an input unit, and displays a transaction selection screen and various input screens on the display unit. Then, the position where the customer touches the screen is detected by a position signal using a touch panel or the like, and an input such as a customer's selection input or character input is accepted.

A card handling unit 8 has a function of reading and writing card information recorded on a transaction card such as a cash card or a credit card of a customer inserted into the card insertion / ejection port 8a.
Reference numeral 9 denotes a receipt issuing unit, which has a function of printing transaction contents and the like on the receipt, discharging the receipt from the receipt discharge port 9a, and issuing the receipt to the customer.

Reference numeral 10 denotes an input key as an input means, which is a pin pad or the like having a numeric keypad, a “correction” key, and the like, and is used by a customer to input a personal identification number, an amount, and the like.
Reference numeral 11 denotes a banknote deposit / withdrawal unit that accepts a banknote inserted by a customer through the banknote deposit / withdrawal port 11a, discriminates and stores the banknote, and discharges the banknote to be paid to the customer from the banknote deposit / withdrawal port 11a and delivers it to the customer. It has a function.

Reference numeral 12 denotes a coin deposit / withdrawal unit, which accepts coins inserted by a customer through a coin deposit / withdrawal port 12a, discriminates and counts them, stores them, discharges coins to be paid to the customer from the coin deposit / withdrawal port 12a, and delivers them to the customer. It has a function.
Reference numeral 13 denotes a camera unit, which is disposed in the vicinity of the display screen of the customer operation unit 7 and on the back side of the polarizing plate 14 and has a function of taking a still image and a moving image of the customer's face image with a video camera or the like. Yes.

The polarizing plate 14 is a transparent body such as a glass plate or an acrylic plate having a polarizing filter so that the inside of the polarizing plate cannot be seen from the customer, and is configured so that the customer's face image can be taken by the camera unit 13 disposed on the back side. ing.
Reference numeral 15 denotes a speaker as guidance means, which has a function of converting an audio signal generated by the main control unit 5 into audio.

In addition to the above, the automatic teller machine 1 may be provided with a passbook handling unit or the like having a function of accepting a customer's passbook and writing transaction details.
In FIG. 4, reference numeral 21 denotes a print control unit of the receipt issuing unit 9. The print control unit 21 temporarily stores the print data transmitted by the main control unit 5 in the print storage unit 22, and the print data temporarily stored in the print storage unit 22 according to a command from the main control unit 5 is printed by the print driver 23. 24 is driven to print the print data on the receipt paper, and at the same time, the receipt transport motor 26 is driven by the paper feed driver 25 to sequentially convey the receipt paper, and the receipt printed with the transaction contents is discharged from the receipt discharge port 9a. Control.

The operation of the above configuration will be described.
In the customer information of the host computer 2 of this embodiment, an identifier of an electronic system notebook, a personal communication device, a portable information device, and a portable terminal of a cellular phone registered in advance by the customer is stored. In this embodiment, the mobile terminal is a mobile phone, and the mobile phone number is stored as its identifier.

In addition to the customer information, the host computer 2 can handle a newly added additional financial transaction, such as a database not shown as other device information, such as the transaction type of the additional financial transaction of another device and the map information of its location. Is stored and held.
The automatic teller machine 1 according to the present embodiment is a relatively old model, and is an additional financial transaction that can be handled by a state-of-the-art machine (a lottery purchase transaction using a customer's account, electronic money deposit / withdrawal) This is a model that cannot handle transactions, withdrawal transactions of new banknotes, etc.).

  Therefore, the automatic teller machine 1 of the automatic teller machine 1 cannot handle the automatic teller machine 1 (referred to as its own device) for normal transaction processing, but other automatic cash machines in the same store or the like. Automatic teller machine 1 installed in a cash dispenser 1 or other stores such as own financial institution or an automatic teller machine 1 installed in a store such as another financial institution Is stored in advance as a “transaction processing program” in which a newly added additional financial transaction that can be handled is added to another device that can handle the additional financial transaction and other device guidance processing is added. ing.

The main storage unit 6 has a neighboring other device information storage area for storing other device information of other devices located at a short distance from the own device, and the main control unit 5 periodically or from the host computer 2 Current other device information is always stored in the neighboring other device information storage area while updating neighboring other device information transmitted as necessary.
Below, the other apparatus guidance process by the automatic teller machine 1 of a present Example is demonstrated according to the step shown by S using the flowchart shown in FIG.

When a staff member of a store such as a financial institution turns on the automatic teller machine 1 at the start of business or the like, the “transaction processing program” stored in the main storage unit 6 of the automatic teller machine 1 is automatically activated. The
S1, when the “transaction processing program” is activated, the main control unit 5 of the automatic teller machine 1 displays the transaction selection screen shown in FIG. 6 on the display screen of the customer operation unit 7 and stands by.

  On the transaction selection screen, the message prompting you to press the transaction button, the “Payment” button for payment transactions, the “Drawer” button for payment transactions, the “Transfer” button for transfer transactions, and the account balance In addition to the transaction button for selecting a regular transaction such as the “Balance inquiry” button for the balance inquiry transaction for inquiring the balance, the “Other” button to be pressed when performing an additional financial transaction such as a lottery purchase transaction and its Operation explanations are displayed.

The customer selects an additional financial transaction from the display screen of the customer operation unit 7 and presses the “other” button on the touch panel.
S2, the main control unit 5 that recognizes the transaction selected by the customer based on the position signal from the touch panel recognizes that the transaction selected by the customer is an additional financial transaction and cannot be handled by the own device. The process proceeds to step S4. If the transaction is recognized as a normal transaction other than the additional financial transaction, the process proceeds to step S3.

S3. The main control unit 5 that recognizes the transaction selected by the customer as a normal transaction executes a transaction process of the recognized normal transaction. Since the operation of the transaction process in this case is the same as in the normal case, the description thereof is omitted.
The main control unit 5 that has finished executing the transaction processing of the selected normal transaction ends the transaction processing, returns to step S1, displays the transaction selection screen on the display screen of the customer operation unit 7, and stands by.

S4, the main control unit 5 recognizing the customer input as an additional financial transaction displays a transaction card insertion screen displaying a message prompting the insertion of the transaction card on the display screen of the customer operation unit 7 to insert the transaction card Prompt. In accordance with this, the customer inserts the customer's transaction card into the card insertion outlet 8a of the card handling unit 8.
At this time, the main control unit 5 reads the card information such as the account number of the customer's account recorded on the transaction card by the card handling unit 8.

S 5, the main control unit 5 reading the card information displays the additional financial transaction guidance screen shown in FIG. 7 on the display screen of the customer operation unit 7.
On the additional financial transaction information screen, the wording prompting the selection button to be pressed and the transactions that can be handled in stores etc. are displayed inactive by color change etc. (refers to a display that is not detected as an input even if the customer touches the screen) .) Selection button and guidance text as its guidance display, transactions that can be handled by other devices are active display (a display that is detected as an input when the customer touches the screen) And a description of the operation, a “cancel” button for canceling the transaction, a “confirm” button for instructing the end of input, and the like are displayed.

In this embodiment, the “electronic money” button for depositing / withdrawing electronic money is displayed inactive, and a “new lottery” button for purchasing a lottery ticket and a “new” button that is pressed when a user wishes to withdraw new bills. The “Bill withdrawal” button is active.
The customer handles the purchase of lottery tickets and withdrawals of new banknotes when performing transactions with other devices in the store, such as the “electronic money” button, or when canceling transactions. When confirming the location of the apparatus, the “lottery ticket” button or the “new banknote withdrawal” button that is actively displayed is pressed and the “confirm” button is pressed. In this embodiment, the customer presses the “lottery ticket” button and presses the “confirm” button.

S6, the main control unit 5 branches to step S26 when the pressing of the “cancel” button is detected by a touch panel position signal or the like, and moves to step S7 when the pressing of the “confirm” button is detected.
S 7, the main control unit 5 detecting the pressing of the “confirm” button displays a desired condition inquiry screen shown in FIG. 8 on the display screen of the customer operation unit 7.

The desired condition inquiry screen includes a “Other branch of XX bank” button and other financial institutions, etc., to make other branches of the same financial institution, etc., the same as the word prompting the selection of search conditions. A “Short range store priority” button and another “Cancel” button for canceling the transaction are displayed.
If the customer has time, or wishes to use another branch of the same financial institution, etc., where a familiar model is installed, the “Other branch of the bank” button can be used, even if a fee is charged. When the user wishes to use another device, the “priority store near” button is pressed, and when the transaction is canceled, the “cancel” button is pressed. In this embodiment, the customer presses the “priority at short distance store” button.

S8, the main control unit 5 branches to step S26 via the connector A when the pressing of the “cancel” button is detected, and proceeds to step S9 when the pressing of any button other than the “cancel” button is detected. .
S9, the main control unit 5 that has detected the pressing of a button other than the “cancel” button detects that the “other bank of XX” button has been pressed, and proceeds to step S10, and presses the “priority at a short distance store” button. If detected, the process proceeds to step S11.

  S 10, the main control unit 5 that has detected the pressing of the “other bank of XX bank” button uses the other device information of the neighboring other device information storage area of the main storage unit 6 as the keywords “XX bank” and “lottery ticket”. Other branch list screen as a neighboring ATM list screen provided with a “map display” button for searching and extracting other branches where candidate devices are installed, and displaying each map information with these locations as a list Create

  S 11, the main control unit 5 that has detected the pressing of the “priority at a short-distance store” button identifies a partner financial institution or the like based on the read card information, and stores the other device information storage area in the main storage unit 6. Search for the name of the financial institution, etc. that identified the other device information, and search for “short-distance store” and “lottery” as keywords, and extract the short-distance store where the other device is installed as a candidate. A short-distance store list screen as a neighborhood ATM list screen provided with a “map display” button for displaying map information is created.

S 12, the main control unit 5 displays the generated neighborhood ATM list screen on the display screen of the customer operation unit 7.
In this embodiment, since the customer has selected the “lottery ticket” button and pressed the “priority store near” button, the location of the store nearby that deals with the additional financial transaction selected by the customer shown in FIG. And a near-field store list screen displaying a “map display” button for displaying the map information. The customer selects “inside the bank △ station” from the location of the candidate short-distance store and presses the “map display” button.

In S13, the main control unit 5 that recognizes the “map display” button pressed by the customer as “inside the bank △ Δ station” by a position signal or the like from the touch panel displays map information corresponding to the display screen of the customer operation unit 7. The displayed map information display screen as the guidance display shown in FIG. 10 is displayed and waits for the selection button displayed on the screen to be pressed.
On the map information display screen, a “print” button for printing the current location where the device is located, the destination where the selected other device is located, a map displaying the main target objects, and the displayed map information , “Transfer to mobile phone” button to transfer the displayed map information to the customer's mobile phone, “Return” button to return to the previous screen (neighboring ATM list screen in step S12), map information display An “end” button or the like for instructing the end of the screen display is displayed.

In this display, the speaker 15 may guide the destination according to the display by voice.
When the customer redisplays the neighboring ATM list screen, the “print” button is used to print the displayed map information, the “transfer to mobile phone” button is used to transfer the displayed map information to the mobile phone. Press the “Return” button, and press the “End” button to instruct the end of the display of the map information display screen.

In S14, the main control unit 5 waiting for pressing of the displayed selection button returns to Step S12 and redisplays the neighboring ATM list screen when detecting the pressing of the “return” button. In other cases, the process proceeds to step S15.
In step S15, the main control unit 5 waiting for the displayed selection button to be pressed branches to step S26 via the connector A when the pressing of the “end” button is detected. In other cases, the process proceeds to step S16.

In S16, the main control unit 5 waiting for pressing of the displayed selection button shifts to Step S18 when detecting the pressing of the “transfer to mobile phone” button. In other cases, the process proceeds to step S17.
In step S17, the main control unit 5, which has been waiting for the displayed selection button to be pressed, proceeds to step S25 when the pressing of the “print” button is detected. In other cases, the process returns to step S14 and waits for pressing of the displayed selection button.

S <b> 18, the main control unit 5 detecting the pressing of the “transfer to mobile phone” button displays the transfer destination selection screen shown in FIG. 11 on the display screen of the customer operation unit 7.
On the transfer destination selection screen, a message that prompts the user to select a transfer destination of map information, a message that the communication fee is the responsibility of the customer, a “Cancel” button for canceling the transaction, and a customer registered in advance "Registered mobile phone" button to transfer the map information to the mobile phone and the registered phone number, and "Mobile phone number to transfer the map information to the mobile phone number newly specified by the customer" A “designate” button, a description of its contents, a “dial from mobile phone” button for calling the automatic teller machine 1 from the customer's mobile phone and downloading map information, an operation description thereof, and the like are displayed.

When transferring map information to a pre-registered mobile phone, the customer selects the “Registered mobile phone” button, and when transferring the map information by specifying a new mobile phone number, the customer specifies “Mobile phone number”. ”Button to call the automatic teller machine 1 and download the map information, press the“ dial from mobile phone ”button, and to cancel the transaction, press the“ cancel ”button.
S19, the main control unit 5 branches to step S26 via the connector A when the pressing of the “cancel” button is detected, and proceeds to step S20 when the pressing of any button other than the “cancel” button is detected. .

S20, the main control unit 5 that has detected the pressing of a button other than the “cancel” button proceeds to step S10 when detecting the pressing of the “specify mobile phone number” button, and the step when detecting the pressing of other buttons. The process proceeds to S22.
S 21, the main control unit 5 that has detected the pressing of the “specify mobile phone number” button prompts the user operation unit 7 to input a phone number, a phone number display field, and a numeric keypad for the input. Then, a telephone number input screen displaying a “correction” button for correcting an input error and a “confirmation” button for instructing the end of the input is displayed.

The customer inputs a telephone number to which map information is transferred using a numeric keypad and presses a “confirm” button. The main control unit 5 recognizes the input telephone number and proceeds to step S23.
S22, the main control unit 5 proceeds to step S23 when the pressing of the “registered mobile phone” button is detected, and proceeds to step S24 when the pressing of the “dial from mobile phone” button is detected.

S23, the main control unit 5 detecting the pressing of the “registered mobile phone” button or recognizing the input telephone number corresponds to the registered telephone number or the designated telephone number via the telephone line. The map information is transferred and the process proceeds to step S26.
In S24, the main control unit 5 that has detected the pressing of the “dial from mobile phone” button stores the corresponding map information in the main storage unit 6, and proceeds to Step 26.

When receiving a transfer request from the customer's mobile phone later, the main control unit 5 transfers the stored map information to the mobile phone and deletes the stored map information.
In step S25, the main control unit 5 that has detected the pressing of the “print” button in step S17 generates corresponding map information in the map print data, and transmits a print command to which the map information is attached to the print control unit 21.

  Upon receiving the transmitted print command, the print control unit 21 temporarily stores the map print data in the print storage unit 22, and drives the print head 24 by the print driver 23 with the print data temporarily stored in the print storage unit 22 according to the print command. At the same time as printing the print data on the receipt paper, the paper feed driver 25 drives the receipt conveyance motor 26 to sequentially convey the receipt paper, prints the map on the receipt paper, and proceeds to step S26.

  The main control unit 5 branched from S26, step S6, S8, S15, or S19, or shifted from S23, S24, S25, a statement that prompts receipt of the transaction card on the display screen of the customer operation unit 7, step S25 When the map is printed in the above, a message for prompting receipt of the receipt paper on which the map is printed is displayed. To discharge from.

Thereafter, the main control unit 5 confirms receipt of the customer and terminates the other device guidance process, returns to step S1, displays the transaction selection screen on the display screen of the customer operation unit 7, and stands by.
In step S18, the corresponding map information has been described as being transferred to the mobile phone according to the customer's selection. In this case, based on the map information transferred by the customer, the destination to the destination by GPS (Global Positioning System) is explained. You may make it transmit map information via the server which provides the service so that guidance may be received.

  In addition, in step S18, when the transfer destination selection screen is displayed or the next screen is displayed in advance at a store or the like in which another device selected by the customer is installed so as to accept a transaction reservation input from the mobile phone of the customer. You may make it notify, give a receipt number etc. beforehand, and may make it correspond to a customer's transaction at a reception counter etc. As a result, the customer can immediately make a reserved transaction, and the convenience of the customer can be improved.

Furthermore, in the present embodiment, it has been described that an input such as a customer's selection input is received by a position signal or the like on the touch panel of the customer operation unit 7, but a button number is set on each of the selection buttons and displayed. A customer's selection input or the like may be received by inputting a button number using the numeric keypad of the key 10.
As described above, in this embodiment, the main control unit of the automatic teller machine is a transaction in which a transaction entered by a customer using a touch panel or the like of a customer operation unit as an input means or an input key cannot be handled by the own device. In some cases, a customer who tried to conduct a transaction that cannot be handled by his / her device by displaying a guidance display to another device that can handle this transaction on the display screen of the customer operation unit as a display means. Can be guided to other devices capable of handling the transaction in as short a time as possible, and the dissatisfaction given to the customers can be alleviated.

In addition, since the guidance display is a map information screen that displays the current location where the device is located and the destination where the other device is located, the customer can more accurately aim for the screen where only the necessary information is displayed. You can get directions to the ground.
Furthermore, since the map information is printed on the receipt paper, it is not necessary to equip the automatic teller machine with a special printing device, and the automatic teller machine can be simplified and printed on paper. The customer who has received the map does not need to memorize the map displayed on the display screen of the customer operation unit, and the convenience of the customer can be improved.

Further, the customer can easily select a desired destination by displaying the list screen of the location of other candidate devices before the main control unit displays the map information as a guidance display. The map information can be displayed immediately as well as selected.
In addition to the above, in this embodiment, when an additional financial transaction such as a lottery ticket purchase using a customer's account is newly added, a transaction selection screen of an automatic teller machine that cannot handle the additional financial transaction By displaying the transaction button of the additional financial transaction on the screen and displaying the guidance to the other device that handles the additional financial transaction, the customer can immediately select the cash dispenser that handles the desired additional financial transaction. It is possible to know and alleviate the dissatisfaction given to customers, and it is not necessary for financial institutions to change all automatic teller machines to state-of-the-art machines. Additional financial transactions can be provided early to improve customer convenience.

  In addition, since the map information is transferred to the customer's mobile phone, the customer who has received the transfer of the map information does not need to memorize the map displayed on the display screen of the customer operation unit. Can be improved.

Since the configuration of the system of this embodiment and the automatic teller machine are the same as those of the first embodiment, the same reference numerals are given and the description thereof is omitted.
In the present embodiment, an operation when a part of the transaction is stopped due to the function degeneration will be described.
The operation of the above configuration will be described.

The host computer 2 of this embodiment is a map of transaction types and locations of normal transactions that can be handled by the automatic teller machine 1 currently installed in stores such as self and other financial institutions, in addition to customer information. Information and the like are stored and held in a database (not shown) as other device information.
In the main storage unit 6 of the automatic teller machine 1 according to the present embodiment, normal transactions that cannot be handled by the own device due to functional degradation are guided to other devices that can handle the normal transactions in normal transaction processing. For this purpose, a “transaction processing program” to which another apparatus guidance process is added is stored in advance.

The main storage unit 6 has a neighboring other device information storage area for storing other device information of other devices located at a short distance from the own device, and the main control unit 5 periodically or from the host computer 2 Current other device information is always stored in the neighboring other device information storage area while updating neighboring other device information transmitted as necessary.
Below, the other apparatus guidance process by the automatic teller machine 1 of a present Example is demonstrated according to the step shown by SA using the flowchart shown in FIG.

SA1, when the “transaction processing program” is started in the same manner as in step S1, the main control unit 5 of the automatic teller machine 1 displays a transaction selection screen on the display screen of the customer operation unit 7 and stands by.
If the main control unit 5 determines that a specific normal transaction cannot be performed due to a cash shortage used for withdrawal or a failure of a specific part or the like by the functional degeneration processing of the “transaction processing program”, the transaction is Only transactions that can be continued as a handling stop are displayed actively on the transaction selection screen, or a transaction button for a transaction that has been stopped is hidden and a “Nearby ATM inquiry” button is displayed.

  In this example, due to lack of cash, payment transactions, deposit transactions, and normal transactions of transfer transactions are stopped due to functional degeneration and displayed as inactive, and only the balance inquiry transaction can be displayed as active and input can be accepted. FIG. 13 shows a message indicating that some normal transactions are not being handled, a “Nearby ATM Inquiry” button for guiding to other neighboring devices handling the stopped transactions, and an operation explanation thereof. Display the transaction selection screen and wait.

The customer presses the “Nearby ATM Inquiry” button on the touch panel in order to perform a stopped transaction from the display screen of the customer operation unit 7.
SA3, the main control unit 6 recognizing the transaction button pressed by the customer as a “neighbor ATM inquiry” button by a position signal from the touch panel, etc. recognizes that the transaction that cannot be handled by the own device has been selected, and the above steps Similarly to S4, the card information recorded on the customer's transaction card is read, and the display count for counting the display count of the neighborhood ATM list screen described in the next step is stored in the main memory 6 as “0”. To do.

  SA4, the main control unit 5 that has read the card information identifies a partner financial institution or the like based on the read card information, and identifies the other device information in the vicinity other device information storage area of the main storage unit 6 "Maps" to search for other devices in the vicinity where candidate devices have been installed by searching for names such as etc., and to display each map information as a list of these locations and normal transactions that can be handled now The neighborhood ATM list screen shown in FIG. 14 provided with a “display” button is created, and this is displayed on the display screen of the customer operation unit 7, and “1” is added to the display count stored in the main storage unit 6 to display the display count. Update.

In the neighborhood ATM list screen, a display according to necessity of the transaction type of the normal transaction that can be handled and the location of other neighboring devices, and a “map display” button for displaying the map information are displayed. .
The customer selects “inside the bank △ station” from the location of another candidate device in the vicinity and presses the “map display” button.

The main control unit 5 recognizes the “map display” button pressed by the customer as “inside XX bank ΔΔ station” from a position signal from the touch panel.
SA5, the main control unit 5 that has recognized the “map display” button pressed by the customer confirms whether or not the receipt issuing unit 9 can print on the receipt paper, and if printing is possible, the printing cannot be performed to step SA7. If so, the process proceeds to step SA6.

SA6, the main control unit 5 confirming that printing by the receipt issuing unit 9 is impossible, moves to step SA7 with the “print” button on the map information display screen shown in FIG. To do.
SA7, the main control unit 5 displays the map information display screen as the guidance display shown in FIG. 15 in which the map information corresponding to the “map display” button recognized in step SA4 is displayed on the display screen of the customer operation unit 7, Wait for the selection button displayed on the screen to be pressed.

  On the map information display screen, a “print” button for printing the current location where the device is located, the destination where the selected other device is located, a map displaying the main target objects, and the displayed map information (If not displayed in step SA6, it is not displayed.), “Return” button for returning to the previous screen (neighboring ATM list screen in step SA4), and instructing the end of the display of the map information display screen. The “End” button and the like are displayed.

In this case, the “transfer to mobile phone” button described in step S13 of the first embodiment may be displayed.
When the customer prints the displayed map information, the “print” button is displayed, when the neighbor ATM list screen is redisplayed, the “return” button is displayed. When the customer instructs to end the display of the map information display screen, "Button.

In step SA8, the main control unit 5 waiting for pressing of the displayed selection button shifts to step SA9 when detecting the pressing of the “return” button. In other cases, the process proceeds to step SA10.
SA9, the main control unit 5 that has detected the pressing of the “return” button returns to step SA4 when the number of display times stored in the main storage unit 6 is less than the predetermined number C, for example, less than 3, and the neighboring ATM list screen Is displayed again. If it is greater than or equal to the predetermined number C, the process branches to step SA14.

In step SA10, the main control unit 5 waiting for the displayed selection button to be pressed branches to step SA14 when the pressing of the “end” button is detected. In other cases, the process proceeds to step SA11.
SA11, when the main control unit 5 confirms that printing by the receipt issuing unit 9 is impossible in step SA5, the process returns to step SA7 and waits for pressing of the displayed selection button. If it is confirmed that printing by the receipt issuing unit 9 is possible, the process proceeds to step SA12.

In step SA12, the main control unit 5 waiting for the displayed selection button to be pressed moves to step SA13 when detecting the pressing of the “print” button. In other cases, the process returns to step SA7 and waits for the displayed selection button to be pressed.
In step SA13, the main control unit 5 that detects the pressing of the “print” button prints a map on the receipt sheet in the same manner as in step S25 in the first embodiment, and proceeds to step SA14.

The main control unit 5 branched from SA14, step SA9 or SA10, or shifted from SA13 discharges the receipt paper on which the transaction card and the map are printed in the same manner as in step S26 of the first embodiment.
Thereafter, the main control unit 5 confirms receipt of the customer and terminates the other device guidance processing, returns to step SA1, displays the transaction selection screen shown in FIG. 13 on the display screen of the customer operation unit 7, and stands by.

In addition, when the stop factor of the transaction stopped due to the functional degradation is resolved, the main control unit 5 determines this and continues the transaction with the transaction button of the normal transaction in which the stop factor is resolved as an active display.
In addition, when the stop factor of all stopped transactions is resolved, the main control unit 5 determines this, hides the “Nearby ATM inquiry” button, and displays all the normal transaction transaction buttons as active display. The transaction selection screen is displayed and stands by, and functions as a normal automatic teller machine 1.

Furthermore, when a situation occurs in which all normal transactions must be stopped, the main control unit 5 determines this, makes all the normal transaction transaction buttons inactive, and displays only the “Neighbor ATM inquiry” button. Display the displayed transaction selection screen and wait.
As described above, in this embodiment, in addition to the same effects as in the first embodiment, when there is a transaction that has been stopped due to functional degradation, guidance display to other devices that can handle the normal transaction By doing so, customers can immediately know the automatic teller machine that handles the desired transaction, and conduct transactions with the automatic teller machine as soon as necessary withdrawing cash or making an immediate transfer. Dissatisfaction given to customers who are going to be relieved.

In addition, if normal operation of the main control unit, card handling unit, and customer operation unit is possible, all normal transactions are stopped and only the “Nearby ATM inquiry” button is displayed to continue the transaction. Thus, even when all normal transactions are stopped, the customer can be guided to another device, and the convenience of the customer in the case of complete transaction stop can be improved.
This is particularly effective for convenience stores and unattended stores with only one automated teller machine, and for operations where payment transactions are stopped outside of trading hours. The efficiency of the automatic teller machine operation can be improved by reducing the number of replenishment of cash in the automatic teller machine in regions where there are few common transactions and limiting the transaction time.

In each of the above embodiments, the other device information is described as being transmitted from the host computer and stored in the main storage unit of the automatic teller machine. However, when the automatic teller machine needs the other device information. Necessary other device information may be acquired by communication with the host computer.
Further, in the second embodiment, the other device guidance process for the normal transaction stopped due to the function degeneration has been described. However, the above-described other device guidance process for the additional financial transaction according to the first embodiment may be performed in addition to the above. The effects of the first and second embodiments are not impaired.

  Further, in each of the above embodiments, the automatic transaction apparatus has been described as an automatic teller machine. However, the automatic transaction apparatus is not limited to an automatic teller machine, and may be a dedicated withdrawal machine or the like.

Block diagram showing the system configuration of the first embodiment The front view which shows the automatic teller machine of Example 1 The block diagram which shows the automatic teller machine of Example 1 The block diagram which shows the receipt issuing part of Example 1. The flowchart which shows the other apparatus guidance process of Example 1. Example of transaction selection screen display in Example 1 Example of additional financial transaction guidance screen display in Example 1 Display example of desired condition inquiry screen of Example 1 Example of short distance store list screen display of Example 1 Example of map information display screen display of Example 1 Transfer destination selection screen display example of the first embodiment The flowchart which shows the other apparatus guidance process of Example 2. Example of transaction selection screen display in Example 2 Neighboring ATM list screen display example of Example 2 Example of map information display screen display of Example 2

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic teller machine 2 Host computer 3 Communication line 5 Main control part 6 Main memory part 7 Customer operation part 8 Card handling part 8a Card insertion discharge port 9 Receipt issue part 9a Receipt discharge port 10 Input key 11 Banknote depositing / withdrawing part 11a Banknote Deposit / withdrawal port 12 Coin deposit / withdrawal unit 12a Coin deposit / withdrawal port 13 Camera unit 14 Polarizing plate 15 Speaker 21 Print control unit 22 Print storage unit 23 Print driver 24 Print head 25 Paper feed driver 26 Receipt transport motor

Claims (8)

An automatic transaction apparatus that includes a main control unit, a guidance unit, and an input unit that accepts customer input, and that automatically performs transactions with the customer,
When the transaction input by the customer by the input means is a transaction that cannot be handled by the own device, the main control unit performs guidance to another device capable of handling the transaction by the guidance means. Automatic transaction equipment. In claim 1,
The automatic transaction apparatus, wherein the transaction that cannot be handled by the own apparatus is an additional financial transaction that is performed using a customer account. In claim 1,
The automatic transaction apparatus, wherein the transaction that cannot be handled by the own apparatus is a normal transaction that has been stopped due to functional degradation. In claim 2,
The automatic transaction apparatus, wherein the transaction that cannot be handled by the own apparatus is a normal transaction that has been stopped due to functional degradation. In claim 1 to claim 3 or claim 4,
The guiding means is a display means,
An automatic transaction apparatus, characterized in that a map information screen displaying a current location as the location of the device and a destination as the location of the other device is displayed on the display means. In claim 5,
An automatic transaction apparatus comprising: a receipt issuing unit, and printing the map information on receipt paper by the receipt issuing unit. In claim 5,
The automatic transaction apparatus, wherein the main control unit transfers the map information to a customer's mobile terminal. In claim 5, claim 6 or claim 7,
The automatic transaction apparatus, wherein the main control section displays a list of locations of other apparatuses as candidates so as to be selectively input before displaying the map information.