JP2007140881A - Automated-teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means which reduces a time for checking handling fees of a customer by clearly displaying the handling fees to the customer, also reduces a time for transaction with the customer, and improves operational efficiency of an automated-teller machine. <P>SOLUTION: The automated-teller machine 1 having has a display input part 5 and automatically performs transaction with the customer, stores handling fees for each transaction time zone of a variety of transaction kinds as handling fees information in a storage part 4, displays in the display input part 5 a table of handling fees provided with a display column for the handling fees corresponding to the transaction time zone based on the handling fee information, and also displays with emphases the display column of the handling fees in the transaction time zone included in the current time of day in the table of handling fees. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that displays a fee for a customer transaction on a display screen.

When executing a transaction for a conventional automatic transaction device, the customer must input the amount including the fee and display the transfer amount after subtracting the fee from the amount including the fee and the fee on the display screen. The customer confirms the transfer amount, and when the customer wishes to make a transaction with an amount different from the displayed amount, correction input is performed (for example, see Patent Document 1).
JP-A-8-22568 (8th page, paragraph 0051-paragraph 0058, FIG. 1)

In general, transaction fees using automatic transaction equipment vary depending on the transaction type and transaction time, and are handled in the account of a financial institution (called “own bank”) where automatic transaction equipment is installed, or other financial institutions (others) It depends on whether the transaction is in a bank account.)
However, in the above-described conventional technology, since the transfer amount and the fee are displayed on the display screen after allowing the customer to input the amount including the fee, the customer cannot know the fee in advance and the fee is considered. When it is different from the above, it is necessary to correct and input the amount including the fee, and there is a problem that it takes time for the transaction and the movable efficiency of the automatic transaction apparatus is lowered.

  Also, in general automatic transaction equipment, a fee table corresponding to the transaction time zone and transaction date is pasted in a place that is easy to understand for customers such as the display screen of the housing, etc., but the space to paste the fee table However, there is a problem that the fee table becomes small and the visibility for the customer is poor, it takes time to confirm the fee, the transaction time becomes long, and the operation efficiency of the automatic transaction apparatus decreases.

  The present invention has been made to solve the above-mentioned problems, and it is possible to display the fee in an easy-to-see manner for the customer, shorten the time for confirming the customer's fee, shorten the transaction time with the customer, and perform automatic transaction. An object of the present invention is to provide means for improving the moving efficiency of the apparatus.

  In order to solve the above-mentioned problems, the present invention is an automatic transaction apparatus that has a display screen and automatically performs transactions with customers, and stores a fee for each transaction type for each transaction time period as fee information. And means for reading out the stored fee information; and means for displaying a fee table in which a corresponding fee is displayed in a display column for each transaction type and for each transaction time period based on the read fee information; And means for recognizing the current time, and means for emphasizing and displaying all the display columns of the fees in the transaction time zone including the recognized current time in the fee table.

  As a result, the present invention enables the customer to confirm the fee at a glance, shortens the time required for confirming the fee, shortens the transaction time with the customer, and improves the operating efficiency of the automatic transaction apparatus. The effect of being able to be obtained.

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

FIG. 1 is a block diagram illustrating an automatic teller machine according to a first embodiment.
In FIG. 1, reference numeral 1 denotes an automatic teller machine as an automatic transaction apparatus installed in a branch office or a convenience store of a financial institution such as a bank, and communicates with a host computer 15 as an upper apparatus provided in the center of the financial institution. It is connected via a line 16 so that information can be communicated.

A control unit 2 controls each unit in the automatic teller machine 1 to execute transaction processing, and is connected to the host computer 15 via the communication line 16 to control data communication and the like.
Reference numeral 3 denotes a clock unit having a timer function for recognizing the current time, a calendar function for recognizing the current transaction date as a weekday, a weekend, a holiday, or the like.

A storage unit 4 stores a program executed by the control unit 2, various data used for the program, a processing result by the control unit 2, and the like.
In addition, the storage unit 4 stores, as fee information, business hours from the transaction start time to the transaction end time for each transaction type for each transaction date, and fees for each transaction time zone within the business time.

  In addition, the storage unit 4 has a function of displaying a fee table screen in which a fee table in which fee information is displayed in a table format, and a display field displaying a fee in the fee table on the fee table screen are highlighted. A program is stored, and each function means as hardware of the automatic teller machine 1 of the present embodiment is formed by each step of the application program executed by the control unit 2.

Note that the fee information is stored separately because it differs depending on whether the transaction is performed in the bank account or the transaction in another bank account.
Reference numeral 5 denotes a display input unit, which is composed of a combination of a display unit 6 such as an LCD and a position signal detection unit 7 such as a touch panel. The position signal detection unit 7 accepts pressing of the input key by the customer.

Reference numeral 8 denotes a card handling unit, which is account information such as a financial institution code, a store number, an account number, etc., indicating a financial institution issuing a card, which is recorded in a magnetic stripe of a transaction card as a customer transaction medium inserted by a customer. The function of reading and writing card information such as
9 is a bankbook handling unit, which has a function of reading and writing bankbook information such as account information recorded on a magnetic stripe of a bankbook as a customer's transaction medium inserted by a customer, and also including a transaction result in the bankbook. Has a function to book.

Reference numeral 10 denotes a cash deposit / withdrawal unit, which accepts cash of inserted coins and banknotes, pays out cash to be dispensed, and the like.
The host computer 15 stores customer account information such as the name, account number, PIN number, and account balance of each customer who has opened an account, and further updates the fee information when the fee information is updated by changing the fee amount, etc. Is stored.

The operation of the above configuration will be described.
The case where the customer displays the fee table screen before the transaction selection screen and before inserting the transaction card will be described.
The control unit 2 of the automatic teller machine 1 displays the fee table screen shown in FIG. 2 on the display input unit 5 and stands by.

On this fee table screen, the own fee table and other bank fee table, and a “start transaction” key for switching the displayed screen to the transaction selection screen are displayed.
Here, the bank fee table is a table in which the fees required when conducting transactions using the bank's transaction card are displayed in the display column for each transaction date and for each transaction type. Is a table in which a fee for conducting a transaction using a transaction card of another bank is displayed in the display column for each transaction date and for each transaction type.

Further, the control unit 2 recognizes the transaction date and the current time by the clock unit 3, corresponds to the transaction date recognized in each transaction type of the own bank fee table and the other bank fee table, and includes a transaction time zone including the current time. The entire fee display column is highlighted with a thick frame, and the highlighted display is updated according to the current time.
For example, if the recognized transaction date and current time are 17:00 on weekdays, in the banking fee table of FIG. 2, it is separated by “withdrawal / transfer” at 8: 45-18: 00 on weekdays. The fee display column and the fee display column separated by the time of 7: 00-21: 00 on weekdays in “Deposit” are highlighted with a thick frame, and the current time is 18:00 Occasionally, “Drawer / Transfer” will change the display column of the fee divided by 8: 45-18: 00 on weekdays to normal display, and “Drawer / Transfer” will change to 18: 00- Updating according to the current time is performed by highlighting the display column of the fee divided by the time zone of 23:00.

Similarly to the above, in the other bank fee table in FIG. 2, a “withdrawal” fee display column divided by 8: 45-18: 00 on weekdays and a “deposit” on weekdays. A fee display field divided by a time zone of 8: 45-18: 00 is highlighted with a thick frame, and the highlighted display is updated according to the current time.
When the position signal detection 7 recognizes that the customer has pressed the “transaction start” key on the fee table screen, the control unit 2 displays a “withdrawal” key for a withdrawal transaction or a transfer transaction on the display input unit 5. The transaction selection screen on which the “transfer” key or the like is arranged is displayed, the position signal detection unit 7 recognizes the customer's selection input, the selected transaction process is executed as usual, and the process is terminated.

Next, a case will be described in which a fee table screen is displayed after a customer inserts a transaction card.
The control unit 2 of the automatic teller machine 1 displays a transaction selection screen on the display input unit 5 and stands by.
When the position signal detection unit 7 recognizes that the customer has pressed the “withdrawal” key on the transaction selection screen, the control unit 2 displays a screen on which the customer is prompted to insert a transaction card.

When the customer inserts the transaction card, the control unit 2 reads the card information from the transaction card by the card handling unit 8 and reads the financial institution code included in the card information, thereby recognizing the issuer of the transaction card and performing the transaction. Determine if the card is from your bank or another bank.
At this time, it is assumed that the customer has inserted a transaction card of another bank.

The control unit 2 that has determined that the transaction card belongs to another bank from the financial institution code of the card information read by the card handling unit 8 reads the other bank fee information stored in the storage unit 4 and reads the read other bank fee information. A fee table screen is displayed that displays the other bank fee table based on it and a “confirm” key for instructing that the customer has confirmed the amount of the fee.
Further, the control unit 2 recognizes the transaction date and the current time by the clock unit 3, and based on the recognized transaction date and current time and the withdrawal transaction recognized by the customer selection input on the transaction selection screen, the fee table The transaction type in the other line fee table on the screen corresponds to the transaction date recognized by “withdrawal”, and the fee display column of the transaction time zone including the current time is highlighted with a thick frame.

For example, when the transaction date and the current time are 19:00 on Sundays and holidays, as shown in FIG. 3, the “Drawer” display column for fees separated on Sundays and holidays from 7:00 to 20:00 Is highlighted with a thick frame.
The control unit 2 that has recognized that the customer has pressed the “confirm” key on the fee table screen is displayed on the display input unit 5 by prompting the user to input the withdrawal amount. The withdrawal transaction process according to the amount of money is executed as usual and the process ends.

Next, in the automatic teller machine 1 that displays the transaction selection screen after the customer first inserts the transaction card, the transaction table is inserted and the fee table screen is displayed before the transaction selection screen is displayed. explain.
The control unit 2 stands by displaying a screen that prompts the user to insert a transaction card. When the customer inserts a transaction card, the card handling unit 8 reads the card information from the transaction card and is included in the card information. The issuer of the transaction card is recognized from the code, and it is determined whether the transaction card is from the own bank or the other bank.

It is assumed that the customer has inserted his / her transaction card.
The control unit 2 that has determined that the transaction card is a bank card from the financial institution code of the card information read by the card handling unit 8 reads the bank fee information stored in the storage unit 4, and based on the read bank information. And the fee table screen with the “confirm” key etc. displayed.

In addition, the control unit 2 recognizes the transaction date and the current time by the clock unit 3 and corresponds to the transaction date recognized in each transaction type of the own fee table on the fee table screen, and the fee for the transaction time zone including the current time. Is highlighted with a thick frame.
The control unit 2 that has recognized that the customer has pressed the “confirm” key by the position signal detection unit 7 displays a transaction selection screen on the display input unit 5.

The control unit 2 recognizes the customer's selection input by the position signal detection unit 7, executes the transaction process selected by the customer as usual, and ends.
Next, the operation when the fee information update process is performed will be described.
When the fee information is changed, the host computer 15 storing the fee update information transmits the fee update information to the automatic teller machine 1 via the communication line 16.

The control unit 2 of the automatic teller machine 1 that has received the fee update information reads the stored fee information, rewrites the read fee information according to the contents of the fee update information, stores the updated fee information, and ends the update process. To do.
In that case, all of the new fee information may be used as the fee update information, and only the changed fee information such as the fee amount change may be used as the fee update information.

As described above, in this embodiment, the customer displays the fee table screen and highlights the fee display column of the transaction time zone including the current time on the displayed fee table screen with a bold frame. Since the fee can be confirmed at a glance, it is possible to shorten the time required to confirm the fee, shorten the transaction time with the customer, and improve the operation efficiency of the automatic transaction apparatus.
In addition, when the fee information is changed, the host computer transmits the fee update information to the automatic teller machine, and updates the stored fee information based on the fee update information received by the automatic teller machine. The fee update information for the entire automatic teller machine can be shortened by sending the fee update information to the automatic teller machine at once.

  In the first embodiment, it has been described that the column displaying the fee on the fee table on the fee table screen is highlighted by enclosing it with a thick frame, but the corresponding column is blinked instead of enclosing it with a thick frame. May be highlighted, or as shown in FIG. 4, the corresponding field may be enlarged and highlighted as a balloon.

In the present embodiment, since the configuration of the automatic teller machine 1 is the same as that of the first embodiment, the description thereof is omitted.
The storage unit 4 of the present embodiment stores a transaction start time at which transactions can be performed with the customer's host computer 15 for each transaction type for each transaction date. An application program having a function of displaying the time from the current time to the transaction start time when the current time when the type is determined is outside the transaction time zone is stored, and the application program executed by the control unit 2 By each step, each functional means as hardware of the automatic teller machine 1 of the present embodiment is formed.

Here, the transaction start time is obtained based on the service time of the fee information stored in the storage unit 4, and may be different between the own bank fee information and the other bank fee information, and is stored separately. .
The operation of the above configuration will be described.
In the present embodiment, a case will be described in which a customer tries to make a transaction outside the business hours of the automatic teller machine 1.

The control unit 2 of the automatic teller machine 1 displays a transaction selection screen and stands by.
When the customer selects a transaction from the transaction selection screen, the control unit 2 recognizes the transaction type selected and input by the customer using the position signal detection unit 7 and displays a screen for prompting the display input unit 5 to insert a transaction card.
The control unit 2 recognizes the issuer of the transaction card by reading the card information from the transaction card inserted by the customer by the card handling unit 8 and reading the financial institution code included in the card information.

In addition, the control unit 2 recognizes the transaction date and the current time by the clock unit 3, searches for the fee information stored based on the recognized transaction date, the issuer of the transaction card, and the transaction type, and processes the corresponding fee information. The time is compared with the current time to determine whether the current time is included in the business hours.
When the control unit 2 determines that the current time is not included in the business hours, the control unit 2 returns the inserted transaction card and displays a non-business hours guidance screen on the display input unit 4 indicating that it is out of business hours. indicate.

At this time, the control unit 2 searches the transaction start time stored based on the recognized transaction date, the issuer of the transaction card, and the transaction type, and obtains the time difference between the corresponding transaction start time and the recognized current time. If the time is within 30 minutes, a screen showing the time difference until the transaction start time is displayed on the overtime guidance screen.
For example, when a customer tries to perform a withdrawal transaction with a transaction card of another bank on a weekday, and the current time is 10 minutes before the transaction start time, the control unit 2 performs the other bank fee as shown in FIG. “Drawer” in the table indicates a blank in the trading time zone including the current time on weekdays with an arrow, and displays the words “You can handle in 10 minutes”.

Next, the operation when the transaction start time update process is performed will be described.
Since the transaction start time is obtained based on the business hours of the fee information, the start time update information when updating the transaction start time is included in the fee update information.
When the transaction start time is changed, the control unit 2 of the automatic teller machine 1 updates the fee information based on the fee update information received from the host computer 15 in the same manner as the fee information update process described above.

When the transaction start time is changed, the host computer 15 storing the fee update information transmits the fee update information to the automatic teller machine 1 via the communication line 16.
The control unit 2 of the automatic teller machine 1 that has received the fee update information for changing the transaction start time reads the stored transaction start time, rewrites the read transaction start time according to the transaction start time of the received fee update information, The updated transaction start time is stored and the update process is terminated.

As described above, in this embodiment, when the time when the customer uses the automatic teller machine is outside the transaction time zone, the time until the transaction start time is displayed to the customer. The waiting time can be confirmed immediately.
In addition, when the transaction start time is changed, the transaction start time is updated from the host computer to the automatic teller machine in order to update the stored transaction start time based on the fee update information transmitted from the host computer. The fee update information for the transaction can be transmitted, and the update process of the transaction start time of the entire automatic teller machine can be shortened.

  In each of the above embodiments, the case where an automatic teller machine is used has been described as an example. However, if it is an automatic transaction apparatus that performs a transaction for paying a fee such as a multimedia terminal installed in an unmanned contract machine or a convenience store, The present invention may be applied to any automatic transaction apparatus.

The block diagram which shows the automatic teller machine of Example 1 Explanatory drawing showing the fee table screen displayed before the transaction card is inserted Explanatory diagram showing the fee table screen to be displayed after the transaction card is inserted An example of how to specify a fee Explanatory drawing which shows the screen which shows the remaining time until the transaction possible time of Example 2.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash dispenser 2 Control part 3 Clock part 4 Memory | storage part 5 Display input part 6 Display part 7 Position signal detection part 8 Card handling part 9 Passbook handling part 10 Cash deposit / withdrawal part 15 Host computer 16 Communication line

Claims (6)

An automatic transaction apparatus having a display screen and automatically performing transactions with customers,
Means for storing the fee by transaction time zone for each transaction type as fee information;
Means for reading the stored fee information;
Based on the read fee information, means for displaying a fee table in which a corresponding fee is displayed in a display column for each transaction type and for each transaction time zone;
Means to recognize the current time,
An automatic transaction apparatus comprising: means for highlighting and displaying a fee display column of a transaction time period including the recognized current time in the fee table. An automatic transaction apparatus having a display screen and automatically performing transactions with customers,
A means for storing a fee by transaction time zone for each transaction type as fee information for each issuer of the customer's transaction medium,
Means for reading the issuer of the transaction medium recorded in the customer transaction medium;
Means for reading the stored fee information based on the read issuer;
Based on the read fee information, means for displaying a fee table displaying a display column of a fee corresponding to each transaction type of the issuer and for each transaction time zone;
Means for recognizing the current time of reading the fee information;
An automatic transaction apparatus, comprising: means for emphasizing and displaying a display column of a fee for a transaction time zone including the recognized current time of the displayed fee table. An automatic transaction apparatus having a display screen and automatically performing transactions with customers,
A means for storing a fee by transaction time zone for each transaction type as fee information for each issuer of the customer's transaction medium,
A means of accepting transaction type selection inputs from customers;
Means for reading the issuer of the transaction medium recorded in the customer transaction medium;
Means for reading the stored fee information based on the accepted transaction type and the read issuer;
Based on the read fee information, means for displaying a fee table displaying a display column of a fee corresponding to each transaction type of the issuer and for each transaction time zone;
Means for recognizing the current time of reading the fee information;
An automatic transaction apparatus, comprising: means for emphasizing and displaying a display column of a fee for a transaction time zone including the recognized current time of the displayed fee table. In claim 1, claim 2 or claim 3,
Means for communicatively connecting with a host device for storing fee update information when updating the fee information;
Means for receiving the fee update information from the host device;
An automatic transaction apparatus comprising: means for updating the stored fee information based on the received fee update information. An automatic transaction apparatus having a display screen and automatically performing transactions with customers,
Means for storing the transaction start time of each transaction type;
Means for storing business hours for each transaction type;
A means of accepting a customer's transaction type selection input;
Means for reading the stored business hours based on the accepted transaction type;
Means for recognizing the current time of accepting the transaction type;
Means for determining whether the recognized current time is included in the read business time;
Means for reading the stored transaction start time based on the accepted transaction type when the current time is not included in business hours,
An automatic transaction apparatus comprising means for displaying a difference time between the read transaction start time and the current time. In claim 5,
Means for communicably connecting with a host device storing start time update information when updating the transaction start time;
Means for receiving the start time update information from the host device;
An automatic transaction apparatus comprising: means for updating the stored transaction start time based on the received start time update information.