JP2687865B2 - Automatic transaction equipment - Google Patents

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine which is operated by a user such as an automated teller machine to carry out a transaction.
In particular, the present invention relates to an automatic transaction device capable of registering transaction information such as a transfer destination in a recording medium and simplifying input operation. Recently, as part of a computer banking system, automated teller machines (A
An automatic transaction device such as an automatic teller machine (hereinafter referred to as ATM) is widely used. [0003] In these devices, a credit card (hereinafter referred to as a card) or a bankbook or the like is usually inserted, and transaction information is input from a keyboard to pay cash and make transactions such as deposits. Because of its convenience, the degree of utilization is increasing and the number of installed units is also increasing. Further, an automatic transaction apparatus having a function of processing extended transactions, for example, various kinds of transfer has been put into practical use, and the input operation has become complicated with the extension of such transaction types. Therefore, it is desired to make this easy. 2. Description of the Related Art Recently, an automatic transaction apparatus which has been widely used has been able to process various transactions recently, and in addition to a normal processing mode such as withdrawal, deposit, inquiry of balance, entry of passbook, transfer. , Transfer, envelope deposit, etc. can be processed now. [0007] With the expansion and diversification of the processing modes of such a device, the operation becomes complicated. For example, in the case of transfer, the transfer financial institution designation of the remittance destination, account number, remittance source, name etc. The operation input of the information shown is required, and the processing time for the input per user is increasing. Therefore, not only is the operation troublesome, but there has also been a problem that the waiting time of the user is increased and the user stands in front of the device. In order to solve such a problem, a method of registering a transfer destination for each customer in a center file on the host computer side and making an inquiry to the center file each time a transfer is made to carry out a transaction is performed. Further, a method has also been considered in which information indicating a transfer destination is recorded in a portable recording medium, and when the recording medium is inserted, the transfer is performed to the recorded transfer destination. In the former case, the information about the transfer destination for each customer is collectively stored in the center file, which has a drawback that the center file becomes huge. Further, every time a transfer is made, the transaction apparatus needs to communicate with the center file on the host side in order to obtain information indicating the transfer destination. Moreover, since the payees to be ordered are all payees registered for each user, it is necessary to transmit not only the information indicating the desired payee but also the wasteful payee information, which increases the communication time. As a result, there has been a problem that the waiting time of the user becomes long. In the latter case, since the recording medium can store only information indicating one transfer destination, as many recording media as the transfer destinations are required, and the user does not have a plurality of recording media. Don't Further, it is necessary for the user to select in advance which transfer medium information is stored in which recording medium. An object of the present invention is to solve the above problems, and it is an object of the present invention to provide an automatic transaction apparatus which can perform a transfer transaction easily anywhere in a short time. According to the present invention, reading means for reading information indicating a transfer destination from a portable recording medium capable of recording information indicating a plurality of transfer destinations, and a plurality of transfer destinations are displayed. The transfer destination read from the portable recording medium by the reading unit, and the transfer destination displayed on the display unit is included in the transfer destination displayed on the display unit. An automatic transaction device for displaying information on a display means and transmitting information on a transfer destination selected and specified by the specifying means based on the display to a host computer to execute a transfer transaction, and a transfer destination input by an operator. Recording means for recording information indicating the transfer destination on the recording medium, and deletion information for specifying the transfer destination to be deleted from the transfer destination information recorded on the recording medium from the transfer destination displayed on the display means. The removal designation means and the transfer destination entered by the operator are displayed.
It is detected that there is no recording area to record the information.
Display the transfer destination recorded on the recording medium based on
, And select the transfer to be deleted, and based on the fact that the information indicating the transfer destination to be deleted is specified by the deletion specifying means, the information indicating the specified transfer destination is deleted from the recording medium, and the operator It is characterized in that it has a control means for causing the recording means to record the inputted information indicating the transfer destination in an empty recording area. The information of the transfer destination, which is recorded on the recording medium on which the information indicating the transfer destination is recorded, is read by the reading means. The read transfer destination is displayed on the display means. When the desired transfer destination is designated by the transfer destination displayed on the display means, the information of the designated transfer destination is transmitted to the host computer, and the transfer transaction to the desired transfer destination is executed. Information of a plurality of transfer destinations can be recorded on the recording medium by the recording means, and if the user selects a desired transfer destination from the transfer destinations displayed on the display means, the transfer transaction is promptly carried out. be able to. A recording area for recording a new transfer destination
If there is not, the control means will transfer the money displayed on the display means.
Specify the transfer destination you want to delete from the
Then , the information indicating the designated transfer destination is deleted from the recording medium, and the recording unit records the information indicating the transfer destination input by the operator in the empty recording area. When the information indicating the transfer destination cannot be completely filled in the recording medium, the transfer destination can be replaced by deleting the unnecessary information indicating the transfer destination. An embodiment of the present invention will be described below with reference to FIGS. 1 and 2 by taking an ATM having a transfer mode as an example. FIG. 1 is a block diagram showing an embodiment according to the present invention,
FIG. 2 is a flowchart of FIG. In FIG. 1, 1 is a main control unit, 2 is a display, 3 is a display control unit, 4 is a display buffer, 5 is a keyboard, 6 is a key input control unit, 7 is a key input buffer,
8 is a transfer destination information registration / update unit, 9 is a card read / write unit, 10 is a card read / write control unit, 11 is a card buffer, 12 is a transfer destination information display control unit, 13 is a printer unit, 14 is a printer control unit, 15 is a print buffer,
Reference numeral 16 is a line control unit, and 17 is a line buffer. The display 2 displays transaction data input from the keyboard 5 and guidance according to the progress of transaction processing from the device. The display buffer 4 temporarily holds transaction data and guidance displayed on the display 2. The keyboard 5 is an operation button 5a for operating and inputting transaction data, a mode button 5b for designating a transaction mode, that is, a mode such as deposit, withdrawal, transfer, etc., and a registration instruction button for instructing transfer destination information in a card. 5c, a confirmation button 5d for confirming the data displayed on the display 2, a function button 5e for selecting the displayed transfer destination information, and a function button 5 for deleting the registered transfer destination information.
f, etc. Here, the payee information is the payee account number (bank number, branch number and account number), payee name,
It consists of the transfer destination telephone number. The key input buffer 7 temporarily holds the input data input from the keyboard 5. The transfer destination information / update unit 8 has a function of registering information about a transfer destination in a card and updating contents by inputting from a registration instruction button 5c of the keyboard 5. The card read / write unit 9 reads the data recorded on the magnetic stripe of the inserted card and records the data. The card buffer 11 temporarily holds the data read from the card and the data written to the card. The transfer destination information display control unit 12 has a function of sending the transfer destination information registered in the card to the display buffer 4. The printer unit 13 includes a printer and an imprinter and prints on a passbook, a receipt and a journal. The printer buffer 15 temporarily holds print data to be printed by the printer unit 13. The line controller 16 controls data transmission / reception with a host computer (not shown). The line buffer 17 temporarily holds the transmitted / received data. With such a configuration and function, the case of conducting a transaction in the transfer mode will be described with reference to the flowchart of FIG. Usually, a personal identification number, an account number, a deposit balance, etc. are recorded as customer data on the magnetic stripe of the card. In this embodiment, the transfer destination information is recorded in the empty area of the magnetic stripe so as to save the labor of the operation input at the time of transaction. Then, a plurality of transfer destination information is recorded on the card, and the transfer destination information is designated from among the transfer destination information to carry out the transaction. However,
There are cases where the transfer destination information is not yet recorded in the card, cases where the transfer destination information is already recorded in the card, and cases where other transfer destinations are recorded but the transfer destination information to be transferred now is not recorded. In addition, since there is no empty area, unnecessary transfer destination information may be deleted and new transfer destination information may be recorded. The processing method in these cases will be described below. As shown in FIG. 2, the customer first presses the mode button 5
The transfer mode is designated by b, and the card is inserted from an insertion opening (not shown). Then the card read / write section 9
The recorded data is read with. If the transfer destination information is not included in the read data, the customer inputs the transfer destination information with the operation button 5a of the keyboard 5 according to the guidance display on the display 2. Since the input information is displayed on the display 2, the customer confirms this and presses the confirmation button 5d. Then, the payee information is recorded in the empty area of the magnetic stripe of the card. Next, the customer inputs the amount of money to be transferred or the like through the operation button 5a of the keyboard 5 and deposits cash from a cash slot (not shown). The inserted cash is discriminated and counted, and the input data and the inserted amount are displayed on the display 2. The customer confirms this display data and presses the confirmation button 5d. Then, the transaction data is sent to the host computer by the line controller 16 and processed online. On the other hand, when the transfer destination information is already recorded on the card, it is displayed on the display 2. If a plurality of transfer destinations are displayed, the transfer destination information is specified by selecting from among them and pressing the function button 5e at the corresponding position provided on the left side of the display 2. When the transfer destination information displayed on the display 2 does not include the transfer destination information, the transfer destination information is registered as described above if there is an empty area in the magnetic stripe. When there is no vacant area, depending on the necessity of registration, if necessary, 1 of the transfer destination information displayed by the function button 5f on the right side of the display 2 is displayed.
One is deleted, and new transfer destination information is registered there. By thus registering the transfer destination information in the card, it is possible to reduce the time and effort required for the operation input during the transfer transaction. Therefore, the processing time per person is shortened, and the waiting time of the customer can be shortened. It is extremely convenient for the customer to register the frequently-transferred recipients so that the customers can transfer the money efficiently. Further, it is not necessary to register the transfer destination for each customer in the center file. According to the present invention described above, it is possible to prevent the center file from becoming huge by recording the transfer destination information in the recording medium. The transaction device only needs to read the transfer destination information from the inserted recording medium, the transfer destination information can be retrieved anywhere in a short time, and the communication time for transmitting the transfer destination information from the center file is unnecessary. Since the recording medium can record a plurality of transfer destination information, it is not necessary to carry a plurality of recording media. It is sufficient to specify a desired transfer destination from the transfer destination displayed on the display screen, and it is not necessary to select which recording medium the desired transfer destination is stored in. It is not necessary to visually display the recorded transfer destination on the recording medium so that the user can understand. The trouble of issuing a recording medium for each transfer destination information can be saved. Swap information when the transfer destination information cannot be stored
Can be performed. As a result, the transfer transaction can be easily performed anywhere, in a short time.

[Brief description of the drawings] FIG. 1 is a block diagram showing an embodiment according to the present invention. FIG. 2 is a flowchart of FIG. [Explanation of symbols] 1 ... Main control unit 2 ... Display 3 ... Display control unit 4 ... Display buffer 5 ... Keyboard 6 ... Key input control unit 7: Key input buffer 8 ... Transferee information registration / update section 9: Card read / write section 10 ... Card read / write control unit 11 ... Card buffer 12 ... Transferee information display control unit 13: Printer section 14 ... Printer control unit 15 ... Print buffer 16 ... Line control unit 17 ... Line buffer

Claims (1)

(57) [Claims] A reading unit that reads information indicating a transfer destination from a portable recording medium that can record information indicating a plurality of transfer destinations, a display unit that can display a plurality of transfer destinations, and a transfer destination displayed on the display unit. And a designation unit capable of selectively designating one transfer destination, displaying the transfer destination read from the portable recording medium by the reading unit on the display unit, and selectively designating by the designation unit based on the display. An automatic transaction apparatus for executing the transfer transaction by transmitting the information of the transferred transfer destination to a host computer, and a recording means for recording the information indicating the transfer destination input by the operator in the recording medium, indicating information indicating a transfer destination to be deleted from the information indicating the recorded transfer destination, a deletion designation means for designating from the transfer destination displayed on the display unit, the transfer destination input by the operator Serial to record the broadcast
Based on the detection that there is no recording area, the recording medium
Display the transfer destination recorded in
The transfer destination entered by the operator is deleted from the recording medium based on the fact that the transfer destination is selected and the information indicating the transfer destination to be deleted is designated by the deletion designating means. And a control means for causing the recording means to record the information indicating the above in an empty recording area.