JP2686577B2 - Automatic transaction equipment - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like, and more particularly, to an automatic transaction apparatus capable of notifying a customer when a medium inserted in the apparatus is unusable.

[0002]

2. Description of the Related Art Recently, it has become possible to use an automated teller machine on holidays such as Sunday banking. And usually the transaction form by the automatic transaction device is limited,
For example, the transaction is limited to payment by a transaction card and balance inquiry without using a passbook. When restricting the transaction form in this way, in the conventional automatic transaction device, the main control unit controls the bookkeeping machine to disable the insertion of the passbook into the device and "pay" the transaction selection screen on the CRT display. And display only "balance inquiry". Further, in the conventional automatic transaction device, when an abnormality or a failure occurs in the bookkeeping machine, the internal operating section is operated to stop the bookkeeping machine via the main control section,
Similarly, various transactions are executed only with the transaction card.

[0003]

However, if the processing unit such as a bookkeeping machine corresponding to the case where the passbook or the like is set as the unusable medium is simply stopped, the customer knows that the passbook or the like is the unusable medium. I can't. For this reason, in the conventional automatic transaction apparatus in which the use of the passbook is restricted, the customer not only inserts the transaction card into the card insertion slot, but also tries to insert the passbook into the passbook insertion slot of the book entry machine. However, since the bookkeeping machine stops and the passbook is not taken in, the customer may repeatedly perform the passbook insertion operation, thus giving the customer a feeling of frustration and waiting time for other customers in the back. As a result, the service to the customer deteriorates. The present invention has been made to solve such a point, and an object thereof is to provide an automatic transaction device having a configuration capable of notifying a customer of an unusable medium in the device.

[0004]

[Means for Solving the Problems] Automatic transaction apparatus of the present invention
Is a medium that becomes unusable for the transaction if the transaction is restricted.
The medium determination unit for determination and the vicinity of the insertion port of the medium processing unit
The media is installed by the side and operates by the judgment signal of the media judgment unit
Unusable media detection that detects the media when inserted into the insertion slot
Means and the detection signal from the unusable medium detection means.
Controlling intelligent means to notify customers that media is unavailable.
It is characterized by including an intelligence control unit.

[0005]

[Function] The medium judgment unit cannot be used when the transaction is restricted.
Then, the unusable medium detection means is activated. The unusable medium detection means detects the unusable medium when the unusable medium is inserted into the insertion port of the processing unit and outputs a detection signal. Upon receiving the detection signal, the notification control unit controls the customer notification means. The customer notification means notifies the customer that the medium cannot be used under this control.

[0006]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a block diagram of an automatic transaction system including an automatic transaction apparatus according to the present invention, and FIG. 2 is a perspective view of the automatic transaction apparatus. In FIG. 1, reference numeral 1 denotes an automatic transaction device, and the automatic transaction device 1 includes a main control unit 2. The main control unit 2 controls a processing unit described below and controls the entire automatic transaction apparatus 1. A card reader / writer unit 3 includes a read head for reading the customer's personal identification number, account number, and other data from the magnetic stripes of various transaction cards inserted in the card insertion slot 4 (see FIG. 2), and a transaction card And a write head for writing predetermined data on the magnetic stripe. A storage unit 5 is used to temporarily store information from the center side, input information, and the like. Reference numeral 6 denotes an emboss reader, which optically reads embossed characters and printed characters on the surface of the transaction card and outputs the data as image data. Reference numeral 7 denotes a statement slip printer unit, which has a foldable receipt sheet and an auxiliary receipt sheet, and includes a feeding mechanism for these sheets, a print head, a cutter, and the like. 8 and 9 are a banknote depositing / dispensing machine and a coin depositing / dispensing machine, which execute denominations, authenticity, counting, etc. of banknotes or coins for payment processing and transfer processing of the input payment amount, Banknote deposit / withdrawal port 10
Alternatively, the coin is dispensed from the coin deposit / withdrawal port 11 (see FIG. 2).

Reference numeral 12 is a bookkeeping machine, and has a passbook insertion / ejection port 20.
(See FIG. 2) The transaction amount and the like are printed on the inserted passbook 16 and discharged after the transaction is completed. And this bookkeeping machine 12
Has a micro switch 17 disposed in the vicinity of the passbook insertion / ejection port 20, and the microswitch 17 detects the passbook when the passbook 16 is inserted into the passbook insertion / ejection port 20,
Outputs a detection signal. Reference numeral 15 is a voice guidance unit, which is used for voice guidance to the customer regarding the operation processing and the fact that the passbook 16 cannot be used as described later. A CRT display 13 is used for displaying instructions and messages necessary for the customer's operation, and for displaying deposits, withdrawals, and other amounts, and in the present embodiment, a notification indicating that the passbook 16 cannot be used. Used to display the screen. On the CRT display 13, a touch panel 14 is provided.
The touch panel 14 is used when a customer inputs a personal identification number, confirmation, and the like with a finger. Incidentally, in FIG.
Is a handling work display section, and includes “transfer / transfer”, “deposit”,
Displays current business subjects such as "Payment" and "Passbook entry". 21 is a receipt discharge port.

Communication controller 2 connected to main controller 2
2 is a communication control unit 2 of the center 24 via the communication line 23.
5 is connected. These communication control units 22 and 25 control transmission / reception of communication. Center control unit 2 of the center 24
Reference numeral 6 denotes a host computer, which controls each unit in the center 24 and transmits a transaction restriction message to the automatic transaction device 1 side as described later.

In the automatic transaction device 1 again, the main control unit 2
Includes a medium determination unit 30 and a notification control unit 31. The medium determining unit 30 uses a medium other than the transaction indicated by the message when the message indicating the transaction restriction is transmitted from the center 24 side or when the transaction designation data is input by the transaction selection key of the internal operation unit 18. The medium other than the transaction designated data used for the transaction is determined as the unusable medium. Then, the medium determination unit 30 determines the processing unit corresponding to the unusable medium, for example, the bookkeeping machine 1 when the unusable medium is the passbook 16.
2 is stopped, and particularly, in this embodiment, only the micro switch 17 is held in the operating state. When the detection signal is output from the micro switch 17, the notification control unit 31 detects the detection signal, controls the voice guidance unit 15 to output a voice indicating that the passbook 16 cannot be used, and controls the CRT display 13 to output the passbook. Display a notification screen that indicates that it cannot be used.

Next, the operation of the automatic transaction apparatus of the present invention will be described with reference to FIG.
5 and the operation flowchart of FIG. First,
In order to use the automatic transaction apparatus 1 on holidays, the center control unit 26 of the center 24 transmits a transaction restriction message indicating only “payment” and “balance inquiry” transactions using a transaction card via the communication control unit 25. (Step 1), the communication control unit 22 of the automatic transaction device 1 receives the transaction restriction message,
It is stored in the storage unit 5. Next, the medium determination unit 3 of the main control unit 2
0 captures the transaction restriction message data in the storage unit 5 and determines the transaction form. Then, since this transaction form indicates "payment" and "balance inquiry" by the transaction card, the medium determination unit 30 determines that the passbook 16 used for transactions other than this transaction is an unusable medium (step 2). , The bookkeeping machine 12 is stopped (step 3), and the micro switch 17
Only keep them active (step 4).

After that, the main control unit 2 controls the CRT display 13 to display the transaction selection screen on the display screen. Since the transaction form is limited on this transaction selection screen, only "payment" and "balance inquiry" are displayed (step 5). When the customer selects "Payment" on the transaction selection screen (step 6) and presses the touch panel 14, the main control unit 2 controls the CRT display 13 and "Please insert the transaction card" is displayed on the screen. . "
Is displayed.

When a customer inserts a transaction card into the card insertion slot 4 of the device 1 (step 7), the main controller 2 controls the card reader / writer unit 3. Under this control, the card reader / writer unit 3 reads the personal identification number, name, account number, etc. from the magnetic stripe of the transaction card with the reading head. This read data is sent to the storage unit 5 by the main control unit 2 and stored therein. The transaction card whose data has been read is conveyed to the emboss reader 6 and the embossed characters and the printed characters of the card are optically read. This read data is stored in the storage unit of the emboss reader 6.

Next, the main control unit 2 operates the CRT display 1
3 is controlled to display a screen for prompting the input of the personal identification number (step 8). When the customer uses the ten-key pad on the touch panel 14 to input the personal identification number (step 9), the main control unit 2 compares the personal identification number read from the transaction card with the personal identification number input by the customer, and if they do not match, inputs the same again. Urge. When the personal identification numbers match, the main control unit 2 controls the CRT display 13 to display a prompt on the screen for inputting the payment amount. When the customer inputs the payment amount through the touch panel (step 10), the main control unit 2 sends the amount data to the storage unit 5 and stores it.

Subsequently, the communication control unit 22 takes in the read data from the transaction card and the input amount data from the storage unit 5, and sends it to the communication control unit 25 of the center 24 via the communication line 23 (step 11). ). On the side of the center 24, the center control unit 26 searches a center file (not shown) based on the received data, identifies the customer's account, and then withdraws the payment amount from the deposit balance.
The payment process in 4 is executed. When the payment process is completed on the side of the center 24 in this way, the center control unit 26 sends a payment end message to the communication control unit 22 of the device 1 via the communication control unit 25 and the like.
(Step 12).

The main control unit 2 judges that the payment processing is completed by this message, and sends the image data read by the emboss reader 6 and the read data of the transaction card to the statement slip printer unit 7. The statement slip printer unit 7 performs predetermined printing on the receipt based on these data, and discharges the receipt to the receipt discharge port 21. At the same time, the main controller 2 controls the card reader / writer unit 3 to eject the transaction card into the card insertion slot 4.

Next, the main control unit 2 is the CRT display 1
3 to display a message prompting the receipt of the transaction card and the statement slip (receipt) (step 13). When the customer receives the transaction card and the statement slip (step 14), the bill depositing / dispensing machine 8 is further controlled. Then, the shutter is opened, and at the same time, a screen prompting the receipt of the bill is displayed on the screen of the CRT display 13. When the customer receives the payment bill (step 1
5), the main control unit 2 controls the CRT display 13 to display a screen showing the end of the transaction, and returns to step 1.

By the way, when the customer inserts the passbook 16 into the passbook insert / eject port 20 of the book entry machine 12 between the steps 5 to 10 described above, the microswitch 17 causes the passbook 16 to be opened as shown in FIG. Detect (Step 2
0), the detection signal is output. When the notification control unit 31 detects this detection signal, the notification control unit 31 executes interrupt processing, and the voice guidance unit 1
5 is controlled to indicate that the passbook 16 cannot be used, for example, voice guidance such as "I cannot use the passbook right now." (Step 21). At the same time, the notification control unit 31 controls the CRT display 13, and the passbook 16 shown in FIG.
Display a notification screen indicating that the device cannot be used (Step 2
2). Therefore, the customer can surely know from the voice guidance and notification screen that the passbook 16 cannot be used, and thereafter, the operation is performed only with the transaction card.

In the above embodiment, the transaction restriction when the automatic transaction apparatus 1 is used on a holiday is explained. However, when an abnormality or failure occurs in the bookkeeping machine 12 during normal use, the rear side of the apparatus 1 is described. The internal operation unit 18 of is operated. That is, the transaction selection key of the internal operation unit 18 is pressed to select "payment" and "balance inquiry" using the transaction card. As a result, the medium determination unit 30 determines the passbook 16 as a medium to be used in transactions other than transactions using the transaction card, and the bookkeeping machine 12
Is stopped and the micro switch 17 is operated. Although the micro switch 17 of the bookkeeping machine 12 is used as the unusable medium detecting means in the above embodiment, the detecting means may be provided independently. Further, as the unusable medium detection means, for example, an optical sensor or the like can be used instead of the micro switch 17.

[0019]

As described above, according to the present invention,
In the media judgment section, the media that cannot be used for restricted transactions
The unusable medium is detected by the unusable medium detection means when the unusable medium is inserted into the insertion opening of the processing unit, and the notification control unit controls the customer notification means to notify the customer that the medium cannot be used. As a result, it is possible to reliably prevent the customer from performing an unnecessary insertion operation of the unusable medium. Therefore, it is possible to provide an automatic transaction apparatus that does not give a customer a feeling of frustration and can perform transaction processing promptly and reduce the waiting time of the customer.

[Brief description of the drawings]

FIG. 1 is a block diagram of a system including an automatic transaction device according to the present invention.

FIG. 2 is a perspective view of the automatic transaction apparatus according to the present invention.

FIG. 3 is a diagram showing an example of a passbook unusable notification screen according to the present invention.

FIG. 4 is an operation flowchart according to the present invention.

FIG. 5 is an operation flowchart at the time of notification according to the present invention.

[Explanation of symbols]

 1 Automatic Transaction Device 2 Main Control Section 3 Card Reader / Writer Unit 13 CRT Display 15 Voice Guidance Section 16 Passbook 17 Micro Switch 24 Center 26 Center Control Section 30 Medium Judgment Section 31 Notification Control Section

Claims (1)

(57) [Claims] 1. When a transaction is restricted, it cannot be used for the transaction.
A medium determining unit for determining the medium to be formed, and a medium determining unit provided near the insertion opening of the medium processing unit,
When the medium is operated by the determination signal of the medium determination unit, the medium is processed by the processing unit.
An unusable medium detecting means for detecting the medium when it is inserted into the insertion slot of the cassette, and a customer notification means controlled by the detection signal from the unusable medium detecting means to notify the customer of the inability to use the medium. An automatic transaction device comprising a notification control unit.