JP2980477B2 - 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,
More specifically, for example, an automatic teller machine (AT) installed in a financial institution such as a bank and automatically depositing and withdrawing cash.
M) and the like.

[0002]

2. Description of the Related Art In recent years, customers of automated teller machines have extended to not only Japanese but also foreigners. Therefore, guidance on operations has been provided through screens and voices in foreign languages, withdrawals from deposit accounts and deposits. Transaction operations such as depositing into accounts can be easily performed by foreigners.

[0003]

However, in the conventional automatic transaction apparatus, when a failure occurs during a transaction, sufficient guidance is not given to the foreigner, and the transaction state and the obstacle for the foreigner are not provided. There was a problem that the contents could not be understood and a smooth transaction operation could not be performed. This problem is especially great for non-English speaking foreigners.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an automatic transaction apparatus capable of performing a smooth transaction operation even if the customer is a foreigner.

[0005]

According to a first aspect of the present invention, there is provided an automatic transaction apparatus for performing a predetermined transaction processing based on a customer operation.
Display means for displaying the operation guide screen, and
Select the language of the operation guidance to be displayed on the display means
Selection means and a language based on the language selected by the selection means.
Operating means for displaying operating guidance on the display means
During the transaction processing according to the display by the operation guide means
A fault detecting means for detecting that a fault has occurred, and
When a fault is detected by the harm detection means, the selection means
The language selected in Japanese and Japanese
Fault information display means for displaying harm information on the display means .

According to another aspect of the present invention, there is provided an automatic transaction apparatus for performing a predetermined transaction processing based on an operation of a customer, a display means for displaying a transaction operation guide screen,
Operation plan operated by the customer and displayed on the display means
Selection means for selecting the language in the
Display operation guidance on the display means based on the selected language
Operation guide means to be selected and the selection means
Voice generation means for providing voice-based operation guidance based on language
During the transaction processing according to the display by the operation guide means.
A fault detecting means for detecting that a fault has occurred, and
When a fault is detected by the harm detection means, the selection means
The language selected in Japanese and Japanese
Displaying harmful information on the display means and generating the sound
To the language selected by the selection means
Therefore , the present invention is characterized by having control means for guiding the occurrence of a failure .

[0007]

[0008]

[0009]

According to the automatic transaction apparatus of the first aspect, for example, when a foreign customer selects his or her own language by the selection means,
The control means transmits the operation guide information in the selected language.
And output by the screen display means, Ru communicated to the foreign customers.
If in the course of the transaction processing based on an operation by a customer for foreigners failure detecting means detects a fault, control means, a fault content information according to the listed language and Japanese selected and output by the screen display unit Notify foreign customers and staff.
The foreign customer can visually know the disability information in their own language. The attendant can respond appropriately based on the failure content information in Japanese displayed on the screen display means.

[0010] According to the automatic transaction apparatus of the second aspect, an example
For example, when the foreign customer selects his or her own language by the selection means, the control means outputs the operation guide information in the selected language by the voice generating means and the screen display means and transmits the information to the foreign customer. Since the foreign customer is guided in the language of his / her own country by both the auditory and visual senses, the transaction operation can be smoothly performed. If the failure detection means detects a failure in the course of the transaction processing based on the operation of the foreign customer, the control means outputs the failure content information in the selected language and Japanese by the screen display means. The information is transmitted to the foreign customer and the attendant, and the failure content information in the selected language is output by the voice generating means and transmitted to the foreign customer. Foreign customers can know the disability information in their own language both by hearing and by vision. The attendant can respond appropriately based on the failure content information in Japanese displayed on the screen display means.

[0011]

[0012]

[0013]

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 showing an application example of the automatic transaction apparatus of the present invention.

The automatic transaction system shown in FIG. 1 has a host computer 41 for controlling the entire system. The host computer 41 has a plurality of centralized monitoring devices (centralized monitoring centers) 45 and a plurality of The automatic transaction apparatus 1 according to the present invention is connected. A reporting device 36 is connected to the automatic transaction device 1 via a remote monitoring device (remote monitor; R / M) 34. The reporting device 36 has an interphone 3 as a communication means.
5, and the centralized monitoring device 45 is connected via a public line 37. The public line 37 may be a dedicated line.

In this system, the automatic transaction device 1
Can perform normal transaction processing by communicating with the host computer 41 via the corresponding online line 40. The remote monitoring device 34 is for monitoring the status of the corresponding automatic transaction device 1, and transmits information to be transmitted to the centralized monitoring device 45 via the notification device 36 and the public line 37 as necessary. To the centralized monitoring device 45. The intercom 35 is used for inquiry of a customer when a failure occurs. The centralized monitoring device 45 includes an interphone 45a and a display unit 45b. When a failure occurs in the automatic transaction apparatus 1, the centralized monitoring apparatus 45 receives a call from a customer through the interphone 35 of the automatic transaction apparatus 1, and receives the call from the customer.
Calls can be made at a. The above obstacles include abnormalities in taking in and ejecting cards, abnormalities in depositing and dispensing banknotes and coins,
There is an abnormality in the transfer of transaction media such as a passbook. Also, when a card or cash is forgotten, the centralized monitoring device 45 is notified as a failure.

FIG. 2 is a perspective view showing one embodiment of the automatic transaction apparatus 1 of the present invention, and FIG. 3 is a block diagram thereof.

The automatic transaction apparatus 1 has a box-shaped casing 2, and a substantially L-shaped operating section 3 composed of a vertical operating section 3a and a horizontal operating section 3b is provided on the front surface of the casing 2. Has formed.

The vertical operation section 3a of the operation section 3 includes a passbook insertion slot 4, a card insertion slot 5, a coin depositing and dispensing port 10, a slip issuing port 6, and a voice generating means capable of assisting operation by voice as an auxiliary. And a speaker hole 14a for a voice guidance speaker 14 as a speaker.

The horizontal operation section 3b of the operation section 3 is provided with a bill depositing / dispensing port 7 having a door 8 which can be opened and closed and also serving as a deposit port and a dispensing port, and a display / input means 9.

The display / input unit 9 includes a display unit 9a as a screen display unit such as a CRT display and a input unit 9 as a selection unit such as a touch sensor.
b. The display unit 9a is configured to display operation guide information such as operation procedures in the form of illustration characters or words. By displaying in this manner, the operation is guided to the customer, and by the display, the part of the input unit 9b corresponding to the display position such as the password, the amount, the account number, the approval, confirmation or cancellation of the transaction is displayed. The operation is performed by pressing.

The display section 9a of the display / input means 9 includes, for example, an item selection key 51 in Japanese as shown in FIG. 4 as an initial screen and an "ENGLISH" key as a selection key for operation guidance in another foreign language as shown in FIG. 52, "Chinese" key 5
3. A screen composed of a "FRANCAIS" key 54 is displayed. On this display screen, an operation guide selection key in English, that is, "ENGLISH"
When the key 52 is input through the input unit 9b, the display unit 9
FIG. 5A shows a screen of an item selection key 55 in English as shown in FIG. At this time, cancel key 5
By inputting 6, the screen returns to the original screen shown in FIG.

The housing 2 is provided with a main control unit 21 and a power supply unit 33 as fault detecting means for controlling the entire automatic transaction apparatus 1 and detecting a fault in the transaction processing. The main control unit 21 includes a magnetic card reader unit 22, a slip processing unit 23, a passbook printing unit 24, a banknote depositing / dispensing unit 25, a coin depositing / dispensing unit 26, a customer service unit 27 including the display / input unit 9, and the like. Voice guidance unit 28 as voice generating means, internal monitor 29, R
AM 30, transmission control unit 31, and floppy disk 32
Is controlled. In addition, the main control unit 21
It is connected to a remote monitoring device 34 for staff provided outside.

The magnetic card reader 22 disposed in the housing 2 receives the card inserted from the card insertion slot 5 and receives account information such as a personal identification number and an account number from the magnetic stripe on the card. Things. The slip processing unit 23 issues a slip on which transaction contents are printed from the slip issuing port 6. The passbook printing unit 24 reads the magnetic stripe portion of the passbook inserted from the passbook insertion slot 4 and records the transaction contents on the passbook and journal paper (not shown). The banknote pay-in / pay-out unit 25 has a function of accepting a banknote inserted into the banknote pay-in / pay-out port 7 and paying out a designated amount of banknote to the banknote pay-in / pay-out port 7. The coin depositing and dispensing unit 26 has a function of accepting a coin inserted into the coin depositing and dispensing port 10 and dispensing a designated amount of coins to the coin depositing and dispensing port 10. The voice guidance unit 28 provides voice guidance to the customer through the speaker 14. The internal monitor 29 is for an attendant constituted by a liquid crystal display (LCD) with a built-in touch sensor. The storage state of each safe according to the inspection result from the inspection unit (not shown) in the banknote depositing / dispensing unit 25 is stored in the RAM 30. The transmission control unit 31 controls data transmission between the main control unit 21 and the online line 40 for the host computer 41.
The floppy disk 32 stores information on financial institutions required for the transfer transaction, such as a data file in which bank names and branch names are stored in the order of the Japanese syllabary, and display data for operation guidance in Japanese, English, Chinese, and French. Have been.

Next, the operation of this embodiment will be described with reference to flowcharts shown in FIGS. 8, 9 and 10.

For example, when the main control unit 21 is in standby mode, the display / input means 9 displays an initial screen for selecting a transaction type and selecting an operation guide in another foreign language as shown in FIG. (S1). In the display / input means 9, in addition to the transaction item selection key 51 in Japanese, the transaction guidance selection instruction keys 52 to 54 in foreign languages other than Japanese are also displayed.

In this state, when the item selection key 51 is input (S2), the main control unit 21 determines that the transaction is in Japanese, and informs the RAM 3 that the transaction guidance is to be performed in Japanese.
0 is stored (S3). In this state, the transaction for the selected transaction type is performed using the guidance for the selected transaction type (S4). When this transaction processing is completed (S6), the process returns to step S1, and the display / input means 9
To display the initial screen.

In the course of performing the transaction process for the selected transaction type, if the system is suspended due to a failure such as a card loading error (S5), the main control unit 21
A failure screen is displayed on the display / input means 9 in Japanese, and the occurrence of the failure is guided in Japanese by the speaker 14 (S7).

By pressing the "HELP" key on this screen (S8), the detailed contents of the fault are displayed on the display / input means 9 in Japanese (ST9).

During business hours, the attendant can provide a customer with the details of the fault displayed on the display / input means 9 so that the customer can take a sufficient action.

Outside business hours, when the customer picks up the intercom 35 near the automated teller machine 1 corresponding to the customer, the notification device 36 transmits a public line 37 between the interphone 35 and the interphone 45a of the centralized monitoring device 45. Connect. With the connection of the public line 37, the staff of the centralized monitoring device 45 uses the interphone 45a to explain the contents of the trouble to the customer. At this time, the customer is urged to refer to the trouble screen displayed on the display / input means 9 of the automated teller machine 1 corresponding to the customer.

Further, in the initial screen of the step S1,
When "ENGLISH" key 52 is pressed (S2
1) The main control unit 21 determines that the operation guidance is in English, stores it in the RAM 30 (S22), reads out the English item selection screen data and the guidance message from the floppy disk 32, and uses the display / input means 9 as shown in FIG. The item selection screen in English as shown in (1) is displayed, and operation guidance in English is provided by the speaker 14 (S23).

Next, when a transaction type is input by the customer (S24), a transaction process for the selected transaction type is performed using guidance for the selected transaction type (S25).
When this transaction processing is completed (S27), the process returns to the step S23, and the item selection screen in English is displayed on the display / input means 9.

In the course of performing the transaction processing for the selected transaction type, if the system is suspended due to a failure such as an abnormal card loading (S26), the main control unit 21
A failure screen as shown in FIG. 6 is displayed on the display / input unit 9 in both Japanese and English, and the speaker 14 guides the occurrence of the failure in English (S28).

By pressing the "HELP" key in FIG. 6 (S29), the detailed contents of the fault are displayed on the display / input means 9 in Japanese and English as shown in FIG. 7 (S30). ).

During business hours, both Japanese and English are written, so that the attendant can take sufficient measures by showing the details of the fault displayed on the display / input means 9 to the customer.

Outside business hours, when the customer picks up the intercom 35 near the automated teller machine 1 that the customer is dealing with, the notification device 36 transmits a public line 37 between the interphone 35 and the interphone 45a of the centralized monitoring device 45. Connect. With the connection of the public line 37, the staff of the centralized monitoring device 45 uses the interphone 45a to explain the contents of the trouble to the customer. At this time, the customer is urged to refer to the trouble screen displayed on the display / input means 9 of the automated teller machine 1 corresponding to the customer.

Further, in the initial screen of the step S1,
When the "Chinese" key 53 is input (S41), the main control unit 21 determines the operation guide in Chinese and sends it to the RA.
It is stored in M30 (S42), the Chinese item selection screen data and the guidance message are read from the floppy disk 32, the item selection screen in Chinese is displayed on the display / input means 9, and the operation in Chinese is performed by the speaker 14. Guidance is given (S43).

Next, when a transaction type is input by the customer (S44), a transaction process for the selected transaction type is performed using guidance for the selected transaction type (S45).
When this transaction processing is completed (S47), the process returns to the step S43, and the item selection screen in Chinese is displayed on the display / input means 9.

In the course of performing the transaction processing for the selected transaction type, if the system is suspended due to a failure such as a card loading error (S46), the main control unit 21
A failure screen similar to that shown in FIG. 6 is displayed on the display / input unit 9 in both Japanese and Chinese, and the occurrence of the failure is reported in Chinese through the speaker 14 (S48).

By pressing the "HELP" key on this screen (S49), detailed contents similar to those shown in FIG. It is displayed (S50).

During business hours, both Japanese and Chinese are written, so that the attendant can take sufficient action by showing the customer the details of the fault displayed on the display / input means 9. .

Outside business hours, when the customer picks up the intercom 35 near the automated teller machine 1 corresponding to the customer, the notification device 36 sends a public line 37 between the interphone 35 and the interphone 45a of the centralized monitoring device 45. Connect. With the connection of the public line 37, the staff of the centralized monitoring device 45 uses the interphone 45a to explain the contents of the trouble to the customer. At this time, the customer is urged to refer to the trouble screen displayed on the display / input means 9 of the automated teller machine 1 corresponding to the customer.

According to the above embodiment, when a failure occurs during a transaction, the state of the automatic transaction apparatus and the state of the transaction are described in both foreign languages and Japanese, so that the foreigner can display the information. -The above state can be easily understood on the display screen of the input means 9. In addition, the pronunciation in a foreign language is issued, so that double confirmation can be performed. Furthermore, when the clerk explains or guides the customer, the burden on the clerk is reduced by writing foreign languages and Japanese together so that even if the customer is a foreigner, the contents of the obstacle and the transaction can be easily confirmed. Improve customer service.

The present invention is not limited to the above embodiment,
Various modifications can be made without departing from the scope of the invention.

[0046]

According to the invention described claims 1, wherein above, according to the present invention, for example because it guides the operation in a foreign language, it is possible to smoothly perform the transaction operation in foreign customer, the transaction process Even if a failure occurs during the process, foreign customers can visually know the details of the failure in a foreign language, and the clerk can respond more appropriately to the failure information in Japanese. It is possible to provide an automatic transaction apparatus capable of performing a smooth transaction operation.

According to the second aspect of the present invention, for example,
For example, since the operation is guided both in the auditory and visual senses in a foreign language, it is possible for foreign customers to perform the transaction operation smoothly, and even if a failure occurs during the transaction processing, the foreign customer In addition to the fact that the details of the problem can be known in both foreign and visual languages and that the attendants can respond more appropriately to the problem information in Japanese, so that even if the customer is a foreigner, smooth transaction operations can be performed. It is possible to provide an automatic transaction device capable of performing the above.

[0048]

[0049]

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing one embodiment of an automatic transaction system of the present invention.

FIG. 2 is a perspective view illustrating a configuration of the automatic transaction apparatus according to the present embodiment.

FIG. 3 is a block diagram illustrating a configuration of the automatic transaction apparatus according to the present embodiment.

FIG. 4 is a diagram showing a display example of an initial screen of the display / input means of the embodiment.

FIG. 5 is a diagram showing a display example of an item selection screen in English of the display / input means of the embodiment.

FIG. 6 is a diagram showing a display example of a failure screen when the display / input means of this embodiment is operated in English.

FIG. 7 is a diagram showing a display example of a failure detail content screen when the “HELP” key is pressed in FIG. 6;

FIG. 8 is a flowchart illustrating the operation of the present embodiment.

FIG. 9 is a flowchart illustrating the operation of the present embodiment.

FIG. 10 is a flowchart illustrating the operation of the present embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction device 9 Display / input means 14 Speaker for voice guidance (voice generation means) 21 Main control part (failure detection means, control means) 34 Remote monitoring device 35 Automatic transaction device side interphone (communication means) 45 Centralized monitoring device

Claims (2)

(57) [Claims] 1. An automatic transaction apparatus for performing a predetermined transaction process based on an operation of a customer, wherein a transaction operation guidance screen is displayed.
Display means to be operated by the customer and the display means
Means for selecting the language of the operation guidance to be displayed on the
The display means based on the language selected by the selection means
Operation guidance means for displaying operation guidance on the
Failure occurred during transaction processing according to the column display
Detection means for detecting the
When harm is detected, the harm is not selected by the selection means.
The trouble information is displayed as described above in both Japanese and Japanese.
An automatic transaction apparatus comprising: a failure information display unit that displays the information in a row . 2. An automatic transaction apparatus for performing a predetermined transaction processing based on an operation of a customer, wherein a transaction operation guide screen is displayed.
Display means to be operated by the customer and the display means
Means for selecting the language of the operation guidance to be displayed on the
The display means based on the language selected by the selection means
Operation guidance means for displaying operation guidance on the
Therefore, voice guidance is provided based on the selected language.
A sound generating means and a display according to the operation guide means.
Failure detection to detect that a failure has occurred during
Notification means and that the failure detection means has detected a failure
And the language selected by the selection means and Japanese
To display the fault information on the display means by adding
Selected by the selection means for the sound generation means
Control means for providing guidance on the occurrence of a failure in a given language .