JP2855029B2 - How to select an automatic transaction device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

(Contents) Industrial application field Conventional technology (FIGS. 6 to 8) Problems to be Solved by the Invention Means for Solving the Problems (FIG. 1) Action Embodiment (a) One Embodiment Automatic Transaction (B) Description of transfer processing of one embodiment (FIGS. 4 and 5) (c) Description of another embodiment Effect of the invention

[0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer input selection method of an automatic transaction apparatus for selecting a transfer information input method in a transfer transaction.

[0003] In recent years, in addition to automation of withdrawal and deposit operations, financial institutions and the like have required automation of transfer operations, and automatic transaction devices with an transfer function and automatic transfer devices have been widely used. In such a transfer transaction, it is necessary to input the transfer source information and the transfer partner information, and a method of omitting information input by a card input in addition to the input operation is adopted.

[0004] That is, for input of the transfer source information, a personal card such as a cash card used in an automatic transaction device is used, and the transfer person and contact information are found from the account number stored in the cash card, and the automatic transaction is performed. If you use the device, you can transfer money directly from your account without having to enter your name and contact information.

When it is necessary to make a transfer to the same partner several times to input the transfer partner information, a transfer card storing the name of the financial institution, branch, account number, name, etc. of the transfer partner by the customer is issued. By reading the transfer card, the information input of the transfer partner is omitted.

As described above, if there are various input methods, there are many steps for selecting the input method, and it takes time and effort.

[0007]

2. Description of the Related Art FIGS. 6, 7 and 8 are explanatory views (No. 1), (No. 2) and (No. 3) of the prior art.

Referring to FIG. 6, the transfer processing of the automatic transaction apparatus will be described. When a transaction selection screen as shown in FIG. 7A is displayed and the transfer button (touch key) is pressed, the transfer process starts.

When the transfer process is started, a selection screen for “debit” or “cash transfer” is displayed as shown in FIG. 7 (B), and when the “account” button is pressed, the cash shown in FIG. 7 (C) is displayed. When the screen changes to a card insertion screen and a cash card is inserted into the card reading section, a password input screen shown in FIG. 7D is displayed, and a password is input.

On the other hand, when the "cash" button is pressed on the screen of FIG. 7 (B), a transfer personal information input screen (not shown) is displayed, and a name and contact information (telephone number, address) are input. When the transfer source input is completed, a screen for selecting a transfer method of “transfer ticket” and “other” in FIG. 8A is displayed,
When the "transfer ticket" button is pressed, the screen changes to the transfer ticket insertion screen shown in FIG. 8B, and the transfer ticket is inserted into the card reader.

On the other hand, when the "others" button is pressed on the screen of FIG. 8A, a transfer partner information input screen (not shown) is displayed, and a financial institution name, a branch name, an account number, and a name are input. When the transfer partner input is completed, the transfer amount screen of FIG. 8C is displayed, and the transfer amount is input.

Next, in the case of a cash transfer, a transfer amount and a transfer fee are input, and in the case of an account transfer, if nothing is done, a receipt,
The cash card and transfer card are returned and the process ends. As described above, in the conventional transfer transaction, the user selects whether to transfer money from an account or cash by pressing the “cash” / “account” button on the screen display, and the “cash” button is pressed. Then, the user enters the personal information input mode, and when the "account" button is pressed, the system waits for the insertion state of the cash card.

Similarly, for the input of the transfer partner, whether to input a transfer card or to input partner information is selected by pressing a “transfer card present” / “transfer card no” button. When the "No transfer card" button is pressed, the other party information input mode is entered, and the "Transfer card available"
When the button is pressed, the transfer card waits for the inserted state.

[0014]

However, the information technology has the following problems. The use of a cash card and a transfer card simplifies the transfer transaction, but requires a selection operation, and requires a lot of trouble for the user.

[0015] Further, the transaction time is prolonged due to the selection operation, and the processing capacity is reduced. Therefore, an object of the present invention is to provide a method for selecting a transfer input of an automatic transaction apparatus that can simplify the operation of a user and reduce the transaction time.

[0016]

FIG. 1 is a diagram illustrating the principle of the present invention. Claim 1 of the present invention is an automatic transaction in which a transfer information input method is selected from the input units 3, 5, and 6, the transfer information is input by the card or the input unit 5, the transfer amount is input, and the transfer is performed. In the device, in selecting the transfer information input method, the card reading units 3 and 6 are set to a card insertion waiting state, the transfer information is input by reading the card by inserting the card, and the input unit is pressed by pressing a key. It is characterized in that transfer information is inputted from No. 5.

[0017] Claim 2 of the present invention is based on claim 1,
The selection of the transfer information input method is the selection of the transfer source input method. In the selection of the transfer source input method, the card reading unit 3 is set to the card insertion waiting state, and the personal card is transferred by reading the personal card by inserting the personal card. Source information is input, and the transfer source information is input from the input unit 5 by pressing a key.

According to a third aspect of the present invention, in the first or second aspect, the selection of the transfer information input method is a selection of a transfer partner input method. In the insertion waiting state, the transfer card information is input by inputting the transfer card by reading the transfer card by inserting the transfer card, and the transfer key information is input from the input unit 5 by pressing the key.

[0019]

According to the first aspect of the present invention, in selecting the transfer information input, the card reading section is in a card insertion waiting state. Therefore, when using the card, it is not necessary to press the button, and the card can be inserted. The operation time is simplified and the transaction time can be shortened.

According to the second aspect of the present invention, in selecting a transfer source input, the card reading section is in a card insertion waiting state. Therefore, when using a personal card, there is no need to press the card button. So good
The operation time is simplified and the transaction time can be shortened.

According to the third aspect of the present invention, in selecting the transfer partner input, the card reading unit is in a card insertion waiting state. Therefore, when using the transfer card, it is not necessary to press the card button. Since it is good, it is possible to simplify the operation and reduce the transaction time.

[0022]

【Example】

(a) Description of one embodiment of an automatic transaction apparatus FIG. 2 is an external view of an automatic transaction apparatus of one embodiment of the present invention, and FIG. 3 is a block diagram of one embodiment of the present invention. A cash depositing / dispensing device is taken as an example.

In FIG. 2, the automatic transaction apparatus 1 includes a card entrance 10 for entering and exiting a customer's personal card,
A passbook entry / exit 11 for entering / exiting a passbook, a coin entry / exit 12 for entering / exiting coins, a bill entry / exit 13 for entering / exiting bills, a touch panel display section 14 having a touch panel and a display section, and a transfer It has a transfer card entrance 15 for entering and exiting cards.

In FIG. 3, reference numeral 3 denotes a card reader / writer unit, which reads and writes a customer's card from the card entrance 10; a card emboss reading unit that reads an embossed portion of the customer's card; A passbook printer unit including a printer unit for creating a receipt / journal, a passbook printer unit for reading and writing a magnetic stripe of a customer's passbook from the passbook entrance 11 and a passbook printer unit; It is what you have.

Reference numeral 5 denotes a customer operation unit having a color display for displaying operation guidance, operation details, and the like to the customer, and a touch keyboard for allowing the customer to input a personal identification number, a transaction type, a usage amount, and the like. Reference numeral denotes a transfer card reader, which reads and returns a transfer card from the transfer card entrance 15, and 7 denotes a bill / coin recycling unit, which performs deposit and withdrawal of bills from the bill entrance 12, and transfers coins from the coin entrance 13. Deposit and withdraw.

Reference numeral 2 denotes a main control unit, which is composed of a processor and is connected to a center (or a terminal controller). The transfer card reader unit 6, bill / coin recycling unit 7, card reader / writer unit 3, passbook printer unit 4. It controls the customer operation unit 5.

The dispensing and depositing operations of this automatic transaction apparatus are well known and will not be described here. (b) Description of Transfer Processing in One Embodiment FIG. 4 is a flowchart of the transfer processing in one embodiment of the present invention, and FIG. 5 is an explanatory diagram of the operation in one embodiment of the present invention.

As an initial screen, a main control unit (hereinafter referred to as a processor) 2 is connected to a display 14 of the customer operation unit 5.
7A, a transaction selection screen as shown in FIG. 7A is displayed, and when the transfer button (touch key) is pressed, the transfer process starts.

At the start of the transfer process, the processor 2 causes the display 14 of the customer operation unit 5 to display a selection screen of "debit withdrawal" and "cash transfer" as shown in FIG. In this case, if the account is debited, an instruction is given to insert a card, and the processor 2 sets the card reader / writer unit 3 to a card insertion waiting state.

When a cash card is inserted into the card reader / writer unit 3 or the "account" button on the selection screen is pressed to insert the cash card into the card reader / writer unit 3, the display 14 of the customer operation unit 5 FIG.
The password input screen of (D) is displayed, and a password is input.

On the other hand, when the "cash" button is pressed on the screen shown in FIG. 5A, the processor 2 displays a transfer principal information input screen (not shown) on the display 14 of the customer operation unit 5, and displays the name and contact information (not shown). Phone number, address).

When the transfer source input is completed, the processor 2 causes the display 14 of the customer operation unit 5 to display FIG.
A screen for selecting a transfer method of “Bill” and “Other” in (B) is displayed. In this screen, if the banknote is a transfer ticket, an instruction is given to insert a transfer card. Is set to the card insertion waiting state.

When a transfer card is inserted into the transfer card reader unit 6 or a "transfer ticket" button on the selection screen is pressed and the transfer ticket is inserted into the transfer card reader unit, the process proceeds to step S1. On the other hand, when the “other” button is pressed on the screen of FIG.
Then, a transfer partner information input screen (not shown) is displayed, and a financial institution name, a branch name, an account number, and a name are input.

When the transfer partner input has been completed, the processor 2 displays on the display 14 of the customer operation section 5 FIG.
The transfer amount screen of (C) is displayed, and the transfer amount is input. Next, the processor 2 inputs the transfer amount and the transfer fee to the banknote / coin recycling unit 7 if it is a cash transfer, and if it is an account transfer, the processor 2 executes the card reader / writer unit 3 without doing anything. The transfer card reader unit 6 is controlled to return the receipt, the cash card, and the transfer card, and the process ends.

In this way, when the user selects "account" or "cash" and waits for the insertion of a cash card, and immediately inserts the cash card without pressing the selection button, the transfer source becomes an account and the password is It will be in the input state.

Therefore, while enabling the conventional selection operation,
Even if you do not press the select button, you can transfer money from your account. Of course, it is also possible to insert a cash card by pressing an "account" button as in the conventional case.

Similarly, when "transfer ticket present" or "no transfer ticket" is selected, if a transfer card is inserted immediately without waiting for a transfer card to be inserted without pressing the selection button, a transfer partner can be input.

Therefore, while enabling the conventional selection operation,
Even if the selection button is not pressed, the transfer partner can be automatically entered. Of course, a transfer card can be inserted by pressing the "transfer ticket present" button, as in the related art.

(C) Description of Other Embodiments In addition to the above-described embodiments, the present invention can be modified as follows. Although the automatic depositing device has been described as a cash depositing and dispensing device with a transfer function, the present invention can also be applied to a dedicated transfer machine, an automatic depositing machine with a transfer function, and an automatic dispensing machine with a transfer function.

Although an example using both a cash card and a transfer card has been described, the present invention can be applied to a system using only a cash card or only a transfer card. If a card having both functions of a cash card and a transfer card is used, a transfer source and a transfer partner can be input by inserting the card once.

The transfer has been described in the example of cash, or may be a cash voucher such as a check. Although the cash card and the transfer card have separate readers, they may be the same.

The present invention has been described with reference to the embodiments.
Various modifications are possible within the scope of the present invention, and these are not excluded from the scope of the present invention.

[0043]

As described above, according to the present invention,
The following effects are obtained. The card reading section is set to the card waiting state when the transfer information input is selected, so pressing the button can be omitted and the transfer information can be input even if the card is suddenly inserted, simplifying the operation of the user. Can be

Further, the input time of the customer operation is shortened, and 1
Transaction time can be reduced, and the daily transaction volume per device can be increased.

[Brief description of the drawings]

FIG. 1 is a principle diagram of the present invention.

FIG. 2 is an external view of an automatic transaction apparatus according to an embodiment of the present invention.

FIG. 3 is a block diagram of one embodiment of the present invention.

FIG. 4 is a flow chart of a transfer process according to an embodiment of the present invention;

FIG. 5 is an operation explanatory diagram of one embodiment of the present invention.

FIG. 6 is an explanatory diagram (part 1) of a conventional technique.

FIG. 7 is an explanatory diagram (part 2) of a conventional technique.

FIG. 8 is an explanatory diagram (part 3) of a conventional technique.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Control part 3 Card reader / writer part 4 Passbook printer part 5 Customer operation part 6 Transfer card reader part 7 Banknote / coin recycling part 14 Display

Claims (3)

(57) [Claims] 1. An automatic transfer method in which a transfer information input method is selected from an input section (3, 5, 6), transfer information is input by a card or an input section (5), a transfer amount is input, and a transfer is performed. In the transaction device, in the selection of the transfer information input method, the card reading unit (3, 6) is set to a card insertion waiting state, the card is inserted, the transfer information is input by reading the card, and the key is pressed. A transfer input selection method for an automatic transaction apparatus, wherein transfer information is input from the input section (5). 2. The method according to claim 1, wherein the selection of the transfer information input method is a selection of a transfer source input method. In the selection of the transfer source input method, the card reading unit (3) is set to a card insertion waiting state, and a personal card is inserted. 2. The transfer input selection method for an automatic transaction apparatus according to claim 1, wherein the transfer source information is input by reading a personal card, and the transfer source information is input from the input unit (5) by pressing a key. 3. The method for selecting a transfer information input method is a method for selecting a transfer partner input method. In the selection of the transfer partner input method, the card reading unit (6) is set to a card insertion waiting state, and a transfer card is inserted. , Input the transfer partner information by reading the transfer card, and press the key to
3. The method according to claim 1, wherein the inputting section (5) inputs transfer partner information.