JP2012190071A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent a percentage from being changed until transaction is established and a percentage different from a displayed percentage from being collected in an automatic transaction device in which a percentage 55a at a present time is displayed on a transaction selection button 55.SOLUTION: A transaction selection picture 100 is configured such that at least one of a result 53 indicating that a displayed percentage is a percentage at a present time, a result 54 indicating that the percentage is changed to a predetermined time and a residual time 57 until the percentage is changed is displayed. A transaction pre-establishment picture 200 to be displayed according to the selection of a transaction selection button 55 is configured such that at least one of a percentage 66 of the selected transaction, the result 53 indicating that the displayed percentage is the percentage at the current time, the result 54 indicating that the pertinent percentage is changed to the predetermined time and the residual time 57 until the percentage is changed is displayed.

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine that pays a fee and performs a desired transaction.

  In general, transaction fees for automated teller machines such as cash dispensers vary depending on the transaction type and transaction time, and transactions are made at the account of a financial institution (hereinafter referred to as “own bank”) where the automated transaction equipment is installed. It depends on whether the transaction is in an account of another financial institution.

  This fee is posted in a list etc. on the casing of the automatic transaction device or the wall near it, or temporarily divided according to the day of the week and time on the screen of the display operation section of the automatic transaction device at the start of the transaction. It was simply displayed in a band chart, etc., and the customer had to judge the fee by referring to a list or a band chart before the transaction started.

  Therefore, in order to solve the above-described problem, there has been a technique for displaying a fee at the current time of each transaction on each transaction selection button (see, for example, Patent Document 1).

JP 2006-134011 A

  However, in the above-described conventional automatic transaction apparatus, there is a problem that in the transaction immediately before the time when the fee is changed, the fee is changed by the time of transaction confirmation, and a fee different from the displayed fee is collected. .

  The present invention employs the following configuration in order to solve the above-described problems. That is, a card processing unit that reads customer card information, an operation unit that displays a transaction selection button on a transaction selection screen and selects a desired transaction, a timer unit that counts the current time, the card information and date type, and An automatic transaction apparatus that includes a fee table that stores a fee for each transaction according to time, refers to the timer unit and the fee table, and displays the current time fee on a transaction selection button, wherein the transaction selection screen Displays at least one of the fact that the displayed fee is a fee at the current time, that the fee is changed to a predetermined time, and the remaining time until the fee is changed I tried to do it.

  Alternatively, in another invention, a card processing unit that reads customer card information, an operation unit that displays a transaction selection button on a transaction selection screen to select a desired transaction, a timer unit that counts the current time, and the card information And a fee table for storing a fee for each transaction according to the date type and time, an automatic transaction device that refers to the timer unit and the fee table, and displays the current time fee on a transaction selection button, The pre-determination screen displayed by pressing the transaction selection button on the transaction selection screen indicates that the selected transaction fee, the displayed fee is the fee at the current time, and the fee is a predetermined value. At least one of the change to the time and the remaining time until the fee is changed is displayed.

  According to the automatic transaction apparatus of the present invention, since it is configured as described above, the fee is changed by the time of transaction confirmation, and it is possible to prevent a fee different from the displayed fee from being collected.

It is an external appearance perspective view of the automatic transaction apparatus of Example 1. FIG. It is a control system block diagram of the automatic transaction apparatus of Example 1. FIG. It is an example of the operation part screen of the automatic transaction apparatus of Example 1. FIG. It is an example of the operation part screen of the automatic transaction apparatus of Example 1. FIG. It is a modification of the remaining time display until a fee change. It is an example of the operation part screen of the automatic transaction apparatus of Example 1. FIG. It is an operation | movement flowchart figure of the automatic transaction apparatus of Example 1. FIG. It is a control system block diagram of the automatic transaction apparatus of another modification.

  Embodiments of the present invention will be described below with reference to the drawings. In addition, the same code | symbol is attached | subjected to the element common to drawing.

(Constitution)
FIG. 1 is an external perspective view showing the configuration of the automatic transaction apparatus according to the first embodiment. As shown in the figure, the automatic transaction apparatus 1 according to the first embodiment includes a banknote deposit / withdrawal port 11 for depositing / withdrawing banknotes, a coin deposit / withdrawal port 12 for depositing / withdrawing coins, a transaction operation screen, and the like. An operation unit 14 in which a transparent touch panel is laminated on an LCD for displaying a banknote, a bankbook insertion slot 15 for inserting a bankbook when performing transactions in a bankbook, and a card insertion slot 16 for inserting a card such as a cash card Is provided.

  Moreover, the control system of the automatic transaction apparatus 1 of Example 1 becomes a structure as shown in FIG. That is, the control system of the automatic transaction apparatus 1 includes a main control unit 20 that controls each unit to be described later, the operation unit 14 described above, and a card processing unit 21 that performs read / write of information recorded on a magnetic stripe or the like of the card. A speaker unit 22 that outputs operation guidance, alarm sound, etc. as a voice or buzzer sound, a read / write of the magnetic stripe of the bankbook and a bankbook processing unit 23 that controls printing on the bankbook, and a banknote that performs banknote deposit and withdrawal control A processing unit 24, a coin processing unit 25 for performing deposit / withdrawal control of coins, a receipt printing unit 26 for printing transaction contents on a receipt, and a timer unit 30 for counting the current time are provided.

  Further, an interface unit 28 that is connected to the main control unit 20 and controls the interface between the program and various control parameters, the memory table 27 that stores the fee table 27a, and the host computer 40 connected through the network 41 is provided. Have.

(Operation)
With the above configuration, the automatic transaction apparatus 1 according to the first embodiment operates as follows. This operation will be described in detail below with reference to the operation explanatory diagrams of FIGS. 3 to 6 and the operation flowchart of FIG.

  In the following explanation, in the case of a financial institution with a fee as shown in the usage fee detail screen 300 in FIG. 6, the transaction date is Saturday and the transaction immediately before 18:00 using its own premium card. Will be described as an example. In this case, since it is a transaction using a premium card, all transactions such as `` withdrawal '' as a withdrawal transaction, `` transfer '' as a transfer transaction, and `` deposit '' as a deposit transaction are free on weekdays, On other weekends and public holidays, December 31 to January 3, the fee for withdrawal transactions is 105 yen (72a) from 8:45 to 18:00 and 210 yen (72b) at other times. )

  First, when a customer approaches the automatic transaction apparatus 1 and this is detected by a proximity sensor (not shown) provided in the automatic transaction apparatus 1, the main control unit 20 displays a screen prompting the customer to insert a card on the operation unit 14. When the customer inserts the card from the card insertion slot 16 (step S01), the card processing unit 21 reads the card information such as the financial institution / contract form from the card, and the card information is transmitted to the network 41 by the interface unit 28. To the host computer 40, and obtains information such as the current date and time from the host computer 40, fee information of the usage fee for each transaction according to the type of card and the date type of weekday or not, and the time, 14 displays the transaction selection screen 100 as shown in FIG. 3 (step S02).

  At this time, the timer unit 30 is activated in synchronization based on the acquired information such as the current date and time, and the acquired fee information is stored in the fee table 27 a of the memory unit 27.

  In this transaction selection screen 100, the card information indicates that the card is a premium card and the privilege by the card are displayed in the card type 52 on the upper right of the screen, and the timer unit 30 is referred to every predetermined time, and the current time 51 is displayed in real time such as “17:49:12”. Note that the current time 51 may not be displayed because the current time can be known by a wall clock or a wristwatch.

  The main control unit 20 refers to the fee table 27a and displays the fee at the current time for each transaction on each transaction selection button. In this example, with a premium card, the transaction date is Saturday and the time is immediately before 18:00, so the fee for withdrawal transaction and deposit transaction is 105 yen as shown in the usage fee list 72 of the usage fee detail screen 300 in FIG. At (72a), the transfer transaction fee is 210 yen (72b), and the balance inquiry is free, and the transaction 55a is displayed on each transaction selection button 55.

  Further, a note that the fee displayed on each transaction selection button 55 is a fee at the current time is displayed as a note 53 of a display fee below the transaction selection buttons, and a timer is displayed below the transaction selection buttons 55. Based on the current time information from the section 30 and the fee information from the fee table 27 a, it is detected that the fee is changed from 105 yen to 210 yen from 18:00 and displayed as a fee change warning 54.

  Alternatively, as indicated by a broken line, the remaining time until the fee is changed, in this example, 10 minutes 48 seconds by 18:00 of the time when the fee is changed, so that the remaining time 57 until the fee is changed. It is even better to display as.

  Note that the fee change warning 54 and the remaining time 57 until the fee change does not require a warning when there is time until the fee is changed, so a predetermined time before the fee is changed, for example, about 10 minutes before It is even better to display from. Further, in addition to the fact that the fee is changed in the fee change warning 54, it is further preferable to display a specific amount indicating that the fee is changed from 105 yen to 210 yen.

  Further, a detail button 56 is provided at the lower right of the operation screen of the operation unit 14. When the detail button 56 is pressed, the use fee detail screen 300 shown in FIG. 6 is displayed, and the card type and weekday are displayed. The usage fee for each transaction according to the date type and time of whether or not can be confirmed (step S03). To return to the previous screen, the “return button” 71 is pressed. The data displayed on the usage fee detail screen 300 may be acquired from the host computer 40 each time, or may be acquired and stored at the time of start-up or operation start.

  Then, the customer selects the “draw button” 55 while confirming the fee of 105 yen (step S04). At this time, it can be confirmed that the fee 55a displayed on the “drawer button” 55 in the display fee note 53 is the fee at the current time, and the fee changes from 18:00 on the fee change warning 54 Can be confirmed.

  When the customer confirms the above and selects the “draw button” 55, it is determined whether or not the selected transaction requires the input of a personal identification number (step S05). Authenticates the password entered by the numeric keypad provided near the operation unit 14 of the automatic transaction apparatus 1 (step S06).

  When the authentication of the personal identification number is completed, a pre-determination screen 200 as shown in FIG. 4 is displayed (step S07). On this screen, the customer inputs the withdrawal amount using the numeric keypad. In this example, 10,000 yen is input as the withdrawal amount, and the entered amount is displayed in the withdrawal amount 65.

  Below the withdrawal amount 65, the current fee of 105 yen is displayed as the current fee 66. On the lower right side of the screen, a “drawer execution button” 67 for confirming the transaction and a “return button” 68 for returning to the previous screen in FIG. 3 are provided.

  In addition, a “detail button” 69 is provided at the lower right of the operation screen of the operation unit 14, and if the “detail button” 69 is pressed, the process proceeds to step S03, and the usage fee detail screen of FIG. 300 is displayed, and it is also possible to confirm the usage fee for each transaction according to the type of card and the date type of weekday or not and the time. Then, to return to the previous screen, the “return button” 71 is pressed. The data displayed on the usage fee detail screen 300 may be acquired from the host computer 40 each time, or may be acquired and stored at the time of start-up or operation start.

  In the upper right of the pre-deal confirmation screen 200, as with the transaction selection screen 100 of FIG. 3, the timer unit 30 is referred to every predetermined time, and the current time is set to “17:50:43”. 51 is displayed in real time. Note that the current time 51 may not be displayed because the current time can be known by a wall clock or a wristwatch.

  Also, since there is a remaining time until the fee is changed, in this example, 9 minutes and 17 seconds by 18:00 of the time when the fee is changed, this is displayed as the remaining time 57 until the fee is changed.

  Further, since the fee is changed from 105 yen to 210 yen at 18:00 on the lower side of the screen, the warning is displayed as a fee change warning 54.

  Alternatively, as indicated by a broken line, a note that the displayed fee is a fee at the current time may be displayed as the displayed fee note 53 as in the transaction selection screen 100 of FIG.

  Note that the fee change warning 54 and the remaining time 57 until the fee change does not require a warning when there is time until the fee is changed, so a predetermined time before the fee is changed, for example, about 10 minutes before In addition to the fact that the fee is changed in the fee change warning 54, it is also possible to display the specific amount that the fee is changed from 105 yen to 210 yen. What is good is the same as the transaction selection screen 100 of FIG.

  Then, the customer confirms the withdrawal amount of 10,000 yen and the handling fee of 105 yen, and presses the “withdraw execution button” 67. At this time, while confirming the remaining time 9 minutes and 17 seconds until the fee displayed in the remaining time 57 until the fee is changed, the transaction can be confirmed by pressing the “withdraw execution button” 67. (Step S08).

  Then, under the control of the main control unit 20, the 10,000 yen banknote having the amount specified by the withdrawal amount 65 by the banknote processing unit 24 is paid out from a banknote storage (not shown) and conveyed to the banknote deposit / withdrawal port 11. The receipt printing unit 26 prints the transaction contents on the receipt, the card processing unit 21 returns the card to the card insertion slot 16 and discharges the receipt, and the shutter of the banknote deposit / withdrawal port 11 is opened (step S09).

  And when a customer receives the banknote of the banknote deposit / withdrawal slot 11, the card | curd of the card insertion slot 16, and a receipt, transaction data will be transmitted to the host computer 40 via the network 41 by the interface part 28, and this transaction will be complete | finished. (Step S10), a screen for prompting a new customer to insert a card is displayed.

  In the above description of the embodiment, it has been described that the remaining time 57 until the fee change is displayed as a numerical value, but it is not a numerical value display, but a figure as shown in FIGS. 5 (a) and 5 (b). It is even better to make it easier to see the remaining time. In FIG. 5 (a), the remaining time is displayed on the scale 101, the remaining time until the fee is changed is displayed on the filling unit 102, and the remaining time is gradually reduced as indicated by the arrow A. Make it easier to see the remaining time.

  In FIG. 5B, the remaining time is displayed on the scale 113, a fixed scale 112 indicating the current time point and a graphic 111 indicating the time zone of each fee are displayed, and the remaining time until the fee is changed. As shown by arrow B, the time remaining until the fee is changed is made easy to see by changing from time to time. Of course, instead of changing the figure in the horizontal direction as shown in FIGS. 5A and 5B, it may be displayed so as to change the figure in the vertical direction.

(Effect of Example 1)
As described above, according to the automatic transaction apparatus of the first embodiment, in the automatic transaction apparatus that displays the current time fee on the transaction selection button, the transaction selection screen indicates that the displayed fee is the current time fee. The screen before transaction confirmation is displayed so that at least one of the fact that the fee is changed at a predetermined time and the remaining time until the fee is changed is displayed or the transaction selection button is selected. The transaction fee of the selected transaction, the fact that the displayed fee is the fee at the current time, that the fee will be changed to a predetermined time, and the remaining time until the fee is changed Since at least one of them is displayed, the fee is changed by the time of transaction confirmation, so that a fee different from the displayed fee can not be collected.

<< Other modifications >>
In the description of the above embodiment, each time a customer's card is inserted, the fee information for each transaction is received from the host computer 40 according to the card type on the transaction date, the date type of whether it is a weekday, and the time, and the memory unit. 27, the fee, the time when the fee changes, and the remaining time until that time are displayed based on the fee information. As shown in FIG. The timer unit 30 includes a calendar information storage unit 30a. When the automatic transaction apparatus 1 is started, the fee information and calendar information of various cards are acquired from the host computer 40, and the calendar information is stored in the calendar information storage unit 30a. The fee information of various cards is stored in the fee table 27a, and the calendar information in the calendar information storage unit 30a and Using the fee information of various cards in the fee table 27a, in the automatic transaction apparatus 1, the fee for each transaction according to the card type and the date type of weekdays or not and the time when the fee changes and the time until that time The remaining time may be extracted and displayed.

  In this case, the main control unit 20 of the automatic transaction apparatus 1 refers to the calendar information storage unit 30a at the time of start-up or operation start, detects the date type of whether or not it is a weekday, and the timer unit 30 performs predetermined time intervals. Referring to the fee table 27a, the fee information for each transaction is extracted and displayed according to the card type, the date of whether or not it is a weekday, and the time. Further, when the detail button 56 on the transaction selection screen 100 or the detail button 69 on the screen 200 before transaction confirmation is pressed, the host computer is not acquired from the host computer 40 each time the automatic transaction apparatus 1 is started. What is necessary is just to make it display using the fee information of the various cards of the fee table 27a acquired and stored from 40.

  As described above, the present invention can be widely used in an automatic transaction apparatus such as an automatic teller machine that performs a desired transaction by paying a fee.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 11 Banknote insertion port 14 Operation part 16 Card insertion slot 20 Main control part 21 Card processing part 24 Banknote processing part 26 Receipt printing part 27 Memory part 27a Fee table 28 Interface part 30 Timer part 30a Calendar information storage part 40 Host computer 41 Network 51 Current time 52 Card type 53 Display fee note 54 Fee change warning 55 Transaction selection button 55a Fee 56, 69 Detail button 57 Remaining time until fee change 65 Withdrawal amount 66 Current fee 67 Execute withdrawal Button 100 Transaction selection screen 200 Pre-transaction screen 300 Usage fee details screen

Claims (4)

A card processing unit for reading customer card information, an operation unit for selecting a desired transaction by displaying a transaction selection button on the transaction selection screen, a timer unit for counting the current time, the card information, date type and time An automatic transaction device comprising a fee table for storing a fee for each transaction according to the transaction, referring to the timer unit and the fee table, and displaying the fee at the current time on a transaction selection button;
The transaction selection screen includes at least one of the fact that the displayed fee is a fee at the current time, the fact that the fee is changed to a predetermined time, and the remaining time until the fee is changed. An automatic transaction apparatus characterized in that one is displayed. A card processing unit for reading customer card information, an operation unit for selecting a desired transaction by displaying a transaction selection button on the transaction selection screen, a timer unit for counting the current time, the card information, date type and time An automatic transaction device comprising a fee table for storing a fee for each transaction according to the transaction, referring to the timer unit and the fee table, and displaying the fee at the current time on a transaction selection button;
The pre-determination screen displayed by pressing the transaction selection button on the transaction selection screen indicates that the selected transaction fee, the displayed fee is the fee at the current time, and the fee is a predetermined value. An automatic transaction apparatus characterized by displaying at least one of a change to time and a remaining time until the fee is changed.   3. The automatic transaction apparatus according to claim 1, wherein the remaining time until the fee is changed is displayed in a graphic form.   Either or both of the fact that the fee is changed at the predetermined time and the remaining time until the fee is changed are displayed before a predetermined time before the fee is changed. The automatic transaction apparatus according to any one of claims 1 to 3.

Images