JP2011159209A - Automatic transaction device and automatic transaction method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily and quickly correct already input items in an automatic transaction device. <P>SOLUTION: An input operation part 20 includes a flowchart display part 50 and a transaction operation part 40, and processing step item buttons corresponding to a plurality of processing steps are sequentially displayed in the flowchart display part 50 as transaction processing advances. When a user wants to correct already input contents during the transaction processing, the user depresses a processing step item button already displayed in the flowchart display part 50 to change a present processing step to the processing step corresponding to the depressed processing step item button. Accordingly, the user can perform correction immediately to improve operability of the user, so that discomfort that the user feels can be resolved. Furthermore, the reduction of user's operation mistakes can be expected. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to an automatic transaction machine such as an automatic teller machine (hereinafter referred to as “ATM”) that performs transactions by user operations, and in particular, displays a transaction step in a flowchart on an input operation unit. The present invention relates to an automatic transaction apparatus and an automatic transaction method for guiding the operation.

  Conventionally, techniques for improving user-friendliness by guiding a user's input operation in an automatic transaction apparatus are described in, for example, Patent Document 1 and Patent Document 2 below.

  When a transaction item is selected, the automatic transaction apparatus described in Patent Literature 1 displays all operation items of the transaction at the top of the input operation screen, and displays an instruction mark indicating an operation item to be executed. At the same time, a guidance word and an illustration showing the operation content are displayed in the instruction mark. As the transaction progresses, the instruction mark indicates the operation item to be operated next, and the guidance word and illustration are changed corresponding to the operation item.

  When a transaction item is selected, the automatic transaction apparatus described in Patent Document 2 arranges an input item area in which a plurality of input items necessary for the transaction are arranged and displayed in the form of a flowchart on the input operation screen. At the same time, a plurality of input areas are arranged in the remaining area. An input area corresponding to an input item that is currently an input target among the plurality of input items is set in an input enabled state, and other input areas cannot be input.

JP-A-8-106563 JP-A-7-262290

  However, in the conventional automatic transaction apparatus, when a user tries to correct an item already entered during the transaction, in the invention described in Patent Document 1, the cancel button is pressed and the transaction is input from the beginning. In the invention described in Patent Document 2, either the user presses the cancel button and starts over or returns to the previous input item, and cannot immediately return to the state to be corrected. . For this reason, there existed a subject of extending a user's transaction time and impairing convenience.

  The automatic transaction apparatus according to the first, second, and third aspects of the present invention includes an input operation unit that displays a guidance message for guiding a user's input operation and receives the user's input operation. An automatic transaction apparatus for performing the transaction process by sequentially executing a plurality of process steps related to a transaction process based on an operation of the user, and a process step item button corresponding to the plurality of process steps, A flowchart display means for sequentially displaying on a flowchart display section provided in a partial area of the input operation section, a transaction operation section provided in a different area from the flowchart display section in the input operation section, and the processing step. Input operation screen display means for displaying a corresponding input operation screen.

  The automatic transaction apparatus according to the present invention further includes a first storage unit that stores the process step item button for each type of transaction process, and a second storage that stores the input operation screen for each type of transaction process. And when the displayed process step item button is pressed in the flowchart display unit during the process step, the current process step corresponds to the pressed process step item button. And a processing step transition means for transitioning to the processing step.

  The automatic transaction apparatus according to a second aspect of the present invention is the automatic transaction apparatus according to the first aspect of the present invention, wherein the process step item button is a first type of process for invalidating a press on the process step item button. The step item button and the pressing on the processing step item button are validated, and the processing step currently being executed transitions to the processing step of the transition destination corresponding to the pressed processing step item button, and the transition destination The processing step item button of the second type for executing the processing step sequentially from the processing step and the pressing on the processing step item button are validated, and the pressed processing from the processing step currently being executed Transition to the processing step of the transition destination corresponding to the step item button and the processing step of the transition destination After running-up, and a third type wherein the processing step item button to return to the previous said processing step of the transition.

  The invention relating to claim 5 is an automatic transaction method using the automatic transaction apparatus according to claim 2, wherein when the transaction process is started, the flowchart display means performs the transaction step according to execution of the process step. The predetermined processing step item button is read from the first storage means and displayed on the flowchart display unit, and the predetermined input screen is read from the second storage means by the input operation screen display means to perform the transaction operation. When the displayed process step item button is pressed in the flowchart display unit during the process step and the transaction operation screen display process to be displayed on the process step, the process step item is displayed by the process step transition means. Whether the button is the processing step item button of the first type, the second type, or the third type Determined to have a decision process of outputting the determination result.

  Furthermore, in the automatic transaction method of the present invention, when the determination result is the first type processing step item button, the processing step transition means invalidates the pressing of the processing step item button by the processing step transition means. When the determination result is the second type processing step item button, the processing step transition means selects the transition destination corresponding to the pressed processing step item button from the processing step currently being executed. Transition to the processing step, erase the displayed processing step item buttons after the processing step item button displayed after the processing step item button at the transition destination, and the processing step at the transition destination. A second button pressing process for executing the processing steps sequentially, and the determination result is the third type processing step. In the case of a menu item button, the process step transition means shifts from the process step currently being executed to the process step of the transition destination corresponding to the pressed process step item button, and the transition destination And a third button pressing process for returning to the processing step before the transition after executing the processing step.

  According to the automatic transaction apparatus and the automatic transaction method of the present invention, there are the following effects (1) and (2).

  (1) If you want to correct the contents entered by the user during the transaction, you can transition from the currently executing process step to the desired process step by pressing the process step item button you want to correct. There is no need to cancel the transaction currently being executed and re-enter from the beginning of the transaction, and it is not necessary to return the input operation screen one by one. For this reason, the correction can be made immediately and the operability for the user is improved, so that the troublesomeness felt by the user can be eliminated and a reduction in the user's operation mistake can be expected.

  (2) By reducing the number of operation mistakes and the number of operations, the usage time of the automatic transaction apparatus by the user can be reduced, and the operating rate of the automatic transaction apparatus can be increased.

FIG. 1 is a diagram showing an example of a transaction operation screen of the input operation unit in the ATM of FIG. 2 in Embodiment 1 of the present invention. FIG. 2 is an external view showing an outline of an automatic transaction apparatus (for example, ATM) in Embodiment 1 of the present invention. FIG. 3 is a functional block diagram showing the ATM of FIG. FIG. 4 is a diagram showing an example of a transaction selection screen displayed on the input operation unit 20 in FIG. 2 before starting the transaction. FIG. 5 is a flowchart showing an automatic transaction method using the ATM of the first embodiment. FIG. 6 is a diagram showing an example of a transfer start screen in FIG. FIG. 7 is a diagram showing an example of a client telephone number input screen in FIG. FIG. 8 is a diagram showing a recipient account number input screen example 1 in FIG. FIG. 9 is a diagram showing a recipient account number input screen example 2 in FIG. FIG. 10 is a flowchart showing an ATM automatic transaction method according to the second embodiment. FIG. 11 is a diagram showing an example of the amount input screen in FIG.

  Modes for carrying out the present invention will become apparent from the following description of the preferred embodiments when read in light of the accompanying drawings. However, the drawings are only for explanation and do not limit the scope of the present invention.

(Configuration of Example 1)
FIG. 2 is an external view showing an outline of an automatic transaction apparatus (for example, ATM) in Embodiment 1 of the present invention.

  The ATM 10 is installed in a financial institution's store, convenience store, and the like, and is used for transactions such as depositing cash, withdrawal, transfer, balance inquiry, and bankbook entry by the user's own operations. The ATM 10 is covered with a cabinet 11 made of an iron material having a certain strength against heat and impact. On the front surface of the ATM 10, an operation surface 11a for operation by the user protrudes substantially horizontally in the direction of the user. In the back direction of the operation surface 11a, the input surface 11b is installed continuously from the operation surface 11a. Furthermore, the insertion surface 11c rises substantially perpendicularly to the insertion surface 11b.

  The operation surface 11a is provided with an input operation unit 20 for displaying guidance for operation and performing input for various transactions. The input surface 11b is provided with a bill input / output port 12 and a coin input / output port 13 which are cash reception / extraction ports for transactions dealing with cash such as deposit / withdrawal transactions. The insertion surface 11c is provided with a bankbook handling port 14 which is a bankbook acceptance / extraction port and a card handling port 15 which is a cash card (hereinafter referred to as “card”) reception / extraction port.

FIG. 3 is a functional block diagram showing the ATM 10 of FIG.
The ATM 10 has a control unit 31. The control unit 31 controls the entire ATM 10 by program control, and includes a flowchart display unit 31a, an input operation screen display unit 31b, and a processing step transition unit 31c, and is configured by a central processing unit or the like.

  The flowchart display unit 31 a has a function of sequentially displaying predetermined process step item buttons 60 corresponding to transaction processing steps on a flowchart display unit 50 provided in a partial area of the input operation unit 20. The input operation screen display means 31 b has a function of displaying an input operation screen for performing an input operation by the user on the transaction operation unit 40 provided in a different area from the input operation unit 20. The processing step transition means 31c corresponds to the processing step item button 60 pressed from the current processing step when the displayed processing step item button 60 is pressed in the flowchart display unit 50 during the progress of the processing step. It has a function of transitioning to a processing step.

  A hard disk (hereinafter referred to as “HDD”) 37 that is a non-volatile storage device is connected to the control unit 31. The HDD 37 stores a first storage means (for example, a processing step item button file) 37a that stores a processing step item button 60 for each type of transaction processing, and a second storage that stores an input operation screen for each type of transaction processing. Means (for example, transaction operation screen file) 37b.

  The input operation unit 20 controlled by the control unit 31 is provided on a liquid crystal display (hereinafter referred to as “LCD”) screen display unit 20a that displays an operation screen composed of characters, figures, and the like, and the LCD screen display unit 20a. Touch panel input unit 20b for inputting information.

  The banknote depositing / withdrawing unit 32 takes in the banknote set in the banknote insertion / extraction port 12 in the depositing process, discriminates the authenticity of the banknote, counts it, and takes it in a storage (not shown) in the ATM 10. The banknote is taken out from the storage, the authenticity of the banknote is identified, counted, and discharged to the banknote insertion / extraction port 12. The coin deposit / withdrawal unit 33 is connected to the coin insertion / extraction port 13 and performs substantially the same processing as in the case of banknotes.

  The passbook entry unit 34 has a function of performing the entry process of the passbook inserted in the passbook handling port 14 and discharging it to the passbook handling port 14. The card reader / writer unit 35 has a function of drawing the card inserted into the card handling port 15, reading / writing the contents of the card, and discharging the card to the card handling port 15. The communication control unit 36 has a function of controlling communication with a host computer and a monitoring center (not shown).

  FIG. 1 is a diagram illustrating an example of a transaction operation screen of the input operation unit in the ATM 10 of FIG. 2 according to the first embodiment of the present invention.

  Transactions in the ATM 10 by the user include, for example, a withdrawal transaction for withdrawing cash from an account, a deposit transaction for depositing cash into the account, a transfer transaction for transferring money to another account, a balance inquiry transaction for checking the balance, and the like. Each transaction process displays a guidance message for guiding the user's input operation to the input operation unit 20 and an input operation screen for the user to perform an input operation, and a plurality of transaction processes are performed based on the operation by the user. These processing steps are sequentially executed to proceed.

  For example, in the case of a withdrawal transaction, first, a message for prompting insertion of a card is displayed on the input operation unit 20, and processing steps for card insertion are executed. Further, a message prompting the user to insert the passbook and input the password is displayed on the input operation unit 20, and processing steps for inserting the passbook and entering the password are executed. Next, a screen for prompting the input of the payment amount is displayed, and the amount input processing step by the user is executed. Thereafter, when the confirmation button 46 is pressed, the account number, personal identification number, amount, etc. are transmitted to the host computer, and the withdrawal transaction is executed.

  In the first embodiment, the transaction operation screen displayed on the input operation unit 20 includes a flowchart display unit 50 that displays the process step item buttons 60 corresponding to the process steps of the transaction process in the form of a flowchart, and the user performs an input operation. It is divided into a transaction operation unit 40 for displaying an input operation screen for performing.

  In the example of the transaction operation screen shown in FIG. 1, the top line of the flowchart display unit 50 displays that the transaction currently being executed is a transfer transaction, and a plurality of processes corresponding to the transfer transaction processing steps from the bottom. Step item button 60, for example, transfer method selection processing step item button (hereinafter referred to as “transfer method selection button”) 61, card insertion button 62, password input button 63, financial institution selection button 64, branch name selection button 65 A receiver account number input button 66, a client name input button 67, and a client telephone number input button 68 are displayed in the form of a flowchart. Processing step item buttons 60 are sequentially added to the flowchart according to the progress of the transaction processing.

  The client telephone number input button 68 at the bottom of the flowchart displays processing steps to be operated next by the user. A plurality of transfer method selection buttons 61, a card insertion button 62, In the password input button 63, the financial institution selection button 64, the branch name selection button 65, the payee account number input button 66, and the client name input button 67, the processing steps corresponding to the processing step item buttons 60 have already been processed. It shows that there is.

  In the first embodiment, a plurality of process step item buttons 60 indicating the progress of transaction processing, for example, a transfer method selection button 61, a card insertion button 62, a password input button 63, a financial institution selection button 64, a branch name selection button. 65. By configuring the receiver account number input button 66, the client name input button 67, and the client telephone number input button 68 to have an input function, that is, a function as a button, the user has already processed. Returning to the processing step, correction input can be performed.

  The processing step item button 60 is a first type processing step item button (indicated by reference numeral “60a” for convenience of explanation) for invalidating the pressing, and for enabling the pressing. It has a second type process step item button (for convenience of explanation, a symbol “60b”) and a third type process step item button (for convenience of explanation, a symbol “60c”). Yes.

  The second type processing step item button 60b enables the pressing, and the transition destination corresponding to, for example, the receiver account number input button 66 that has been pressed from the processing step of inputting the telephone number of the client currently being executed, for example. Transition to the processing step and erase the displayed processing step item buttons after the client name input button 67 displayed after the destination payee account number input button 66, and sequentially process from the destination processing step. It is for executing steps.

  The third type processing step item button 60c validates the pressing, and for example, from the processing step of the client telephone number input currently being executed, the transition destination corresponding to the receiver account number input button 66 that has been pressed is displayed. After transitioning to the processing step and executing the transition destination processing step, the processing step returns to the processing step of the client telephone number input before the transition.

  These three types of processing step item buttons 60a, 60b, and 60c are configured to have different display colors. The designation of whether each processing step item button 60 corresponds to one of the first type, second type, or third type processing step item buttons 60a, 60b, 60c is determined by the host device when ATM 10 is activated. It is determined by an instruction from (for example, a host computer not shown).

  The transaction operation unit 40 includes, for example, a message display unit 41 that displays a message “Please enter the telephone number of the client” to the user, an input field 42 that displays input characters and numbers, and an input A correction button 43 for correcting the characters or numbers in it, a cancel button 44 for canceling the transaction currently being executed and returning the ATM 10 to the state before the transaction is started, a numeric keypad 45 for numeric input, and an end of input by the user And a confirmation button 46 for obtaining confirmation of the user. However, the transaction operation screen shown in FIG. 1 is an example and is not limited thereto.

(Automatic transaction method of Example 1)
FIG. 4 is a diagram showing an example of a transaction selection screen displayed on the input operation unit 20 in FIG. 2 before starting the transaction.

  In the initial state, a transaction selection screen shown in FIG. 4 is displayed on the input operation unit 20 of the ATM 10. In this transaction selection screen, a plurality of transaction selection buttons 47 for the user to select a transaction are displayed. The plurality of transaction selection buttons 47 include, for example, a withdrawal button 47a for withdrawing cash, a transfer button 47b for performing a transfer, a credit card 47c for performing a transaction using a credit card, and a transaction related to a debit card. Debit card button 47d, balance inquiry button 47e for performing the account balance general meeting, passbook entry button 47f for printing unbooked data on the passbook, PIN change button 47g for changing the PIN, cash withdrawal A limit change button 47h for changing the limit amount at the time, a deposit button 47i for making a deposit, a transfer button 47j for making a transfer, and a time deposit button 47k for conducting a time deposit transaction is there. For example, when the user presses the transfer button 47b, the transfer transaction is selected.

  FIG. 5 is a flowchart showing an automatic transaction method using the ATM 10 of the first embodiment.

FIG. 6 is a diagram illustrating an example of a transfer start screen in FIG.
In the start screen of FIG. 6, “transfer” indicating that the transaction process being executed is a transfer is displayed in the flowchart display unit 50. In the lower part, a transfer method selection button 61 indicating a processing step for performing transaction processing is displayed. The message display unit 41 of the transaction operation unit 40 displays a message “Please enter your transaction method” to prompt the user to select a transfer method. In the lower part, a cash selection button 48 for selecting a transfer by cash and a card selection button 49 for selecting a transfer from an account by card are displayed.

FIG. 7 is a diagram showing an example of a client telephone number input screen in FIG.
In the telephone number input screen example of FIG. 7, in the flowchart display unit 50, processing step item buttons 60 corresponding to processing steps that have already been executed, for example, a transfer method selection button 61, a card insertion button 62, and a password input. 63, financial institution selection 64, etc. are displayed. A client number input button 68, which is a processing step to be executed from now on, is displayed on the bottom line of the flowchart display unit 50. In the message display section 41 of the transaction operation section 40, a message “Please enter the telephone number of the client” prompting the user to input the telephone number of the client is displayed.

FIG. 8 is a diagram showing a recipient account number input screen example 1 in FIG.
In the payee account number input screen example 1 of FIG. 8, when the processed payee account number input button 66 is pressed and the payee account number input button 66 is the third type processing step item button 60c. An example of the displayed screen is shown. In this screen example, “transfer” indicating that the transaction process being executed is a transfer is displayed in the flowchart display unit 50. Below that, a transfer method selection button 61 to a requester name input button 67 corresponding to the processing steps that have already been processed are displayed. Below the client name input button 67, a client telephone number input button 68 indicating a processing step that has not yet been processed is displayed. The message display unit 41 of the transaction operation unit 40 displays a message “Please press the recipient's account number” to prompt the user to input the recipient's account number.

FIG. 9 is a diagram showing a recipient account number input screen example 2 in FIG.
In the payee account number input screen example 2 in FIG. 9, when the processed payee account number input button 66 is pressed and the payee account number input button 66 is the second type processing step item button 60c. An example of the displayed screen is shown. In this screen example, “transfer” indicating that the transaction process being executed is a transfer is displayed in the flowchart display unit 50. Below that, a transfer method selection button 61 to a payee account number input button 66 similar to those in FIG. 6 corresponding to the processing steps that have already been processed are displayed. The difference from the example of FIG. 8 is that the client name input button 67 and the client telephone number input button 68 are deleted. The message display unit 41 of the transaction operation unit 40 displays a message “Please press the recipient's account number” to prompt the user to enter the recipient's account number, as in the example of FIG. .

  Next, processing contents of the automatic transaction method shown in FIG. 5 will be described with reference to FIGS.

  In step S1 of FIG. 5, the transfer button 47b on the transaction selection screen is pressed to select the transfer transaction, and in step S2, the transfer start screen of FIG. 6 is displayed. In FIG. 6, if the card selection button 49 is pressed, the card is inserted into the card handling port 15 of the ATM 10 by the user in step S3. The control unit 31 pulls in the card, reads the account number and the like, and stores it in the control unit 31. In step S4, a password input screen (not shown) is displayed, and the password is input by the user. In step S5, the transfer-destination financial institution is selected, in step S6 the transfer-destination branch name is selected, and in step S7, the account of the transfer-destination account, for example, an ordinary deposit or a current account is selected.

  Hereinafter, in step S8, the payee account number is input, the payee name is input in step S9, and the client name is input in step S10. In step S11, a screen of a client telephone number input screen example shown in FIG. 7 is displayed.

  In this state, when the payee account number input 66 in the flowchart display unit 50 is pressed to correct the payee account number by the user in step S12, the processing step transition means 31c in the control unit 31 The process proceeds from the client telephone number input 68 processing step to the payee account number input 66 processing step. At the same time, in step S13, it is determined whether the payee account number input button 66 is the second type processing step item button 60b that cannot be returned to the transition source after correction or the third type processing step item button 60c that can be returned to the transition source after correction. To do.

  If the result of determination is that the processing type item button 60c is the third type, the process proceeds to step S14. As a result of the determination, if it is the second type processing step item button 60b, the process proceeds to step S8. The designation of the second type processing step item button 60b or the third type processing step item button 60c is determined in advance by an instruction of a host computer (not shown) as described above.

  In step S14, the payee's account number input screen 1 of FIG. 8 is displayed. At this time, the flowchart display unit 50 displays the transfer method selection button 61 to the client telephone number input button 68 as they are. When a new payee account number is entered in step S15 of FIG. 5 and the confirmation button 46 is pressed, the processing step transition means 31c changes the processing step in step S16 to the client telephone number before transitioning. The transaction is continued after returning to the processing step corresponding to the input button 68.

  If the result of determination in step S13 is that it is the second type processing step item button 60b, the recipient's account number input screen shown in FIG. 9 is displayed and processing proceeds to step S8.

  At this time, the flowchart display unit 50 displays the transfer method selection button 61 to the recipient account number input button 66, and the client name input button 67 and the client telephone number input button 68 are deleted by the processing step transition means 31c. The In step S8 of FIG. 5, when a new payee account number is input and the confirmation button 46 is pressed, the process proceeds to step S9, and the processing steps (S10 to S16) are executed.

(Effect of Example 1)
According to the first embodiment, there are the following effects (1) to (3).

  (1) If the user wants to correct the contents of a processing step that has been input by the user during transaction processing, the processing step item button 60 (for example, the recipient account number input button 66) to be corrected is pressed to execute the current processing step. For example, it is possible to shift from the processing step of the client telephone number button 68 to the processing step of the payee account number input button 66.

  (2) Since it comprised as mentioned above, it is not necessary to cancel the transaction currently performed (for example, transfer transaction), and to input again from the beginning of transaction, and to return the input operation screen one by one. For this reason, correction can be made immediately and the operability for the user is improved, thereby eliminating the annoyance felt by the user. Furthermore, a reduction in user operation errors can be expected.

  (3) By reducing operation mistakes and the number of operations, the usage time of the ATM 10 by the user can be reduced, and the operating rate of the ATM 10 can be increased.

(Configuration of Example 2)
In the second embodiment of the present invention, the configuration of the ATM 10 is the same as the configuration of the first embodiment, but the automatic transaction method using the ATM 10 is different from the first embodiment.

(Automatic transaction method of Example 2)
In the automatic transaction method of the second embodiment, when the process step item button 60 to be corrected is pressed among the process step item buttons 60 already displayed on the flowchart display unit 50 in FIG. 1 during the transaction process. In the case where the processing step to be corrected involves the insertion of a transaction medium such as a card or a passbook, an example will be described in which processing of the pressed processing step is performed after the transaction medium is once discharged.

  FIG. 10 is a flowchart showing an ATM 10 automatic transaction method according to the second embodiment.

FIG. 11 is a diagram illustrating an example of the amount input screen in FIG.
In the example of the amount input screen of FIG. 11, in the flowchart display unit 50, the card insertion button 69 that has already been processed, the passbook insertion or password input button 70, and the amount input in the amount input processing step to be executed next. A button 71 is displayed. The message display section 41 of the transaction operation section 40 prompts the user to input the amount “Please enter the amount. If you like, press“ Confirm. The amount you can trade is up to 1 million yen ”. It is displayed. In the input field 42, “1,000,000 yen” is displayed.

Next, processing contents of the automatic transaction method shown in FIG. 10 will be described with reference to FIG.
In FIG. 10, the transaction selection screen of FIG. 4 is displayed before the start of the transaction. In step S31, for example, when the user presses the drawer button 47a, a drawer transaction is selected.

  In step S32, the card is inserted into the card handling port 15 of the ATM 10 by the user. The control unit 31 pulls in the card, reads the account number from the card, and stores it in the control unit 31. In step S3, a password input screen (not shown) is displayed, and the password is input by the user. A message prompting insertion of a passbook is also displayed on the password input screen as necessary, and the passbook is inserted at the discretion of the user.

  In step S34, the amount input screen shown in FIG. 11 is displayed. In step S35, it is determined whether or not the card insertion button 69 that has already been processed has been pressed. When the card insertion button 69 is pressed (YES), the process proceeds to step S40, and it is determined whether a card exists in the card handling port 15 of the ATM 10 or whether a bankbook exists in the bankbook handling port 14 of the ATM 10. If both the card and the passbook exist, the process proceeds to step S41, the card and the passbook are ejected, and the process returns to step S32. If there is only a card in step S40, only the card is ejected in step S42 and the process returns to step S32.

  If the card insertion button 69 is not pressed in step S35 (NO), the process proceeds to step S36. In step S36, it is determined whether or not the passbook insertion or password input button 70 has been pressed. When the passbook insertion or password input button 70 is pressed (YES), in step S37, it is determined whether or not a passbook exists in the ATM 10 passbook handling port 14. When the bankbook exists (YES), the bankbook is discharged and the process returns to step S33. When there is no bankbook (NO), the process simply returns to step S33. In step S36, when the passbook is not inserted or the password input button 70 is not pressed, the process proceeds to step S39 and the transaction is continued.

(Modification)
The present invention is not limited to the above-described embodiments, and various usage forms and modifications are possible. For example, the following forms (1) and (2) are used as the usage form and the modification examples.

  (1) In the first and second embodiments, the ATM 10 is described as an example of an automatic transaction apparatus. However, to an apparatus that performs an operation using the input operation unit 20 having a touch panel, such as a ticket issuing machine or a service reservation terminal. Is also possible.

  (2) In step S40 and step S37 in FIG. 10 of the second embodiment, the presence / absence of a card or a passbook is determined, and the transaction medium is discharged when the card is inserted. When the insertion or password input button 70 is pressed, the discharge process may be performed regardless of the presence or absence of a card or passbook.

10 ATM
14 Passbook Handling Port 15 Card Handling Port 20 Input Operation Unit 31 Control Unit 31a Flowchart Display Unit 31b Input Operation Screen Display Unit 31c Processing Step Transition Unit 40 Transaction Operation Unit 50 Flowchart Display Unit 60 Processing Step Item Button

Claims (5)

A guidance message for guiding a user's input operation is displayed, and an input operation unit for receiving the user's input operation is provided, and a plurality of processing steps relating to transaction processing are sequentially executed based on the user's operation. An automatic transaction apparatus for performing the transaction processing,
A flowchart display means for sequentially displaying process step item buttons corresponding to the plurality of process steps on a flowchart display section provided in a partial area of the input operation section;
Input operation screen display means for displaying an input operation screen corresponding to the processing step on a transaction operation unit provided in a region different from the flowchart display unit in the input operation unit;
First storage means for storing the processing step item button for each type of transaction processing;
Second storage means for storing the input operation screen for each type of transaction processing;
When the displayed process step item button is pressed in the flowchart display unit while the process step is in progress, the process step corresponding to the pressed process step item button from the current process step is displayed. A process step transition means for transitioning to
An automatic transaction apparatus comprising: The processing step item button is:
A first type of processing step item button for disabling a press on the processing step item button;
The processing step item button is enabled to be pressed, and from the processing step currently being executed, the transition is made to the processing step of the transition destination corresponding to the pressed processing step item button, and the processing step of the transition destination A second type of process step item button for sequentially executing the process steps;
The process step item button is enabled to be pressed, and the process step currently being executed transitions to the process step of the transition destination corresponding to the pressed process step item button, and the process of the transition destination After executing a step, a third type of processing step item button for returning to the processing step before the transition,
The automatic transaction apparatus according to claim 1, further comprising: The processing step transition means includes:
While the processing step is in progress, when the displayed processing step item button is pressed in the flowchart display unit, the processing step item button of any of the first type, the second type, or the third type is displayed. A determination processing unit that determines whether or not is pressed and outputs the determination result;
When the determination result is the first type processing step item button, a first button pressing processing unit that disables the pressing of the processing step item button;
When the determination result is the second type process step item button, the process step currently being executed transitions to the process step that is the transition destination corresponding to the pressed process step item button, and the transition The process step item buttons displayed after the process step item button displayed after the previous process step item button are deleted, and the process steps are sequentially executed from the process step of the transition destination. 2 button press processing units;
When the determination result is the third type process step item button, the process step currently being executed transitions to the process step of the transition destination corresponding to the pressed process step item button, and A third button press processing unit that returns to the processing step before the transition after executing the processing step of the transition destination;
The automatic transaction apparatus according to claim 1 or 2, further comprising: The processing step transition means includes:
While the processing step is in progress, when the displayed second type or third type step item button is pressed in the flowchart display section, and the pressed second type or third type. When the process step of the transition destination corresponding to the process step item button of the process involves a transaction medium insertion process, the transaction medium is ejected prior to the execution of the process step of the transition destination. The automatic transaction apparatus of any one of Claims 1-3. An automatic transaction method using the automatic transaction apparatus according to claim 2,
When the transaction process is started, in response to execution of the processing step, the flowchart display unit reads out the predetermined processing step item button from the first storage unit and displays it on the flowchart display unit, and A transaction operation screen display process for reading the predetermined input screen from the second storage unit and displaying it on the transaction operation unit by an input operation screen display unit;
While the processing step is in progress, when the displayed processing step item button is pressed in the flowchart display section, the processing step item button is changed to the first type or the second type by the processing step transition means. Or a determination process for determining which of the third type processing step item buttons and outputting the determination result;
When the determination result is the first type processing step item button, the processing step transition means invalidates the pressing of the processing step item button;
When the determination result is the second type processing step item button, the processing step transition means causes the processing at the transition destination corresponding to the pressed processing step item button from the processing step currently being executed. Transition to a step, erase the displayed processing step item buttons after the processing step item button displayed after the processing step item button of the transition destination, and sequentially from the processing step of the transition destination A second button pressing process for executing the processing step;
When the determination result is the third type processing step item button, the processing step transition unit corresponding to the pressed processing step item button from the processing step currently being executed by the processing step transition means. After transitioning to a step, executing the processing step of the transition destination, and returning to the processing step before the transition;
An automatic transaction method characterized by comprising:

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