JP3004079B2 - Automatic teller machine - 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 cash transaction apparatus installed in a financial institution or the like.

[0002]

2. Description of the Related Art FIG. 2 is a schematic block diagram showing an example of a conventional automatic transaction apparatus. As shown in FIG. 2, the automatic transaction apparatus comprises a passbook bookkeeping section 1 for printing transaction details on a passbook inserted by the customer, and a customer group comprising keys such as transparent electrodes for the customer to perform an input operation for the transaction. A customer operation display unit 2 having a display unit composed of a CRT for displaying input information such as function display of keys of an operation unit and keys of a customer operation unit, operation guidance, and other information; and a customer-specific display inserted by the customer A card handling unit that reads and writes information from and to a cash card that stores information, a card reader printer unit 3 that is a printer that prints transaction details on a medium such as a statement and journal paper, and counts cash inserted by a customer. Cash having a function of storing in a predetermined cash cassette and a function of paying out and counting designated cash from a predetermined cash cassette and paying to a customer And the processing section 4,
An operation mode setting switch for setting the operation mode of the apparatus by operation of a clerk, an internal operation panel section 5 including a numeric keypad and a display, and a program for controlling the operation of the apparatus and a means for storing a transaction history and the like. It comprises a memory 6 and a main controller 7 which controls the above-described units and is connected online to a remote host device (not shown).

FIG. 3 is a perspective view showing the appearance of the conventional automatic transaction apparatus shown in FIG. In FIG. 3, the customer service unit set at the upper front part of the apparatus is provided with a passbook insertion / ejection port 8, a card insertion / ejection port 9, and a bill handling port 10 at predetermined positions together with the customer operation unit 2. . Also,
A passbook entry unit 1 is provided at the back of the passbook insertion / ejection opening 8, a card reader / printer unit 3 is provided at the back of the card insertion / ejection opening 9, and a cash processing unit is provided at the back of the bill handling opening 10. 4 are provided.

FIGS. 4 and 5 show operation guides displayed on the customer operation display section 2. FIG. 4 shows a password input operation screen, and FIG. 5 shows a withdrawal amount input operation screen. In the figure, an operation guide text 11 is for guiding an item to be input, and a “numeric” key 12 is for inputting a password and a withdrawal amount.
The “thousand” key 14 and the “yen” key 15 are for inputting the unit of the withdrawal amount. The password display 16 is for displaying the input password, and the price display 17 is for displaying the input price. Further, the customer operation display unit 2 includes a customer operation unit formed of a transparent electrode on the display unit, and the customer can input information by pressing the above-described key portions.

FIG. 6 is a flowchart showing a procedure of a payment transaction by a conventional automatic transaction device. The processing procedure of the payment transaction will be described with reference to FIGS.

[0006] The customer who has selected the payment transaction on the customer operation display section 2 inserts a cash card into the card reader printer section 3 (ST601).

[0007] After inserting the cash card, the customer inputs a personal identification number in accordance with the operation guide screen as shown in FIG. 4 of the customer operation display section 2 (ST602).

Next, the customer inputs a withdrawal amount according to an operation guide screen as shown in FIG. 5 of the customer operation display section 2 (ST603).

When the input is completed, the main controller 7 communicates with the host (not shown), and refers to the customer data stored in the host based on the customer-specific information such as the account number stored in the cash card. Then, the input personal identification number and the withdrawal amount are transmitted to determine whether or not the transaction is possible (ST60).
4).

If it is determined that the password is correct, the process proceeds to the next step. If the password is incorrect, the password is input again from ST602 (ST605).

The balance data of the host is compared with the designated withdrawal amount. If the withdrawal amount is within the balance, the process proceeds to the next step.
3 and input again (ST606).

When it is determined from the password and the withdrawal amount that the transaction is possible, the deposit file of the host is updated and the cash processing unit 4 pays out the designated amount (ST607).

After confirming that the customer has received the cash from the cash processing unit 4, the customer returns the cash card and ends the transaction (ST608).

[0014]

However, in the apparatus described above, the screen at the time of the password input operation is similar to the screen at the time of the withdrawal amount input operation, so that the withdrawal amount is input at the time of the password number input operation. In some cases, the user inputs a password at the time of inputting the withdrawal amount.

If a withdrawal amount is entered at the time of inputting a password or a password is entered at the time of inputting a withdrawal amount, the contents of the operation are different for the customer, even though the input contents are correct. Judged that there was an error, the transaction was not performed, and had to be entered again from the beginning.

[0016] Even if each operation screen is provided with a characteristic in order to prevent an input error, in the case of a customer who is accustomed to the operation, the security code and the withdrawal amount are continuously checked without confirming the guidance display. Input, the input error could not be prevented. The present invention eliminates the above-mentioned problem that the input content depends on the input item. Therefore, without defining the input content for each input item, if the input content is correct, regardless of the input item, An object is to provide an excellent device in which specified cash is paid.

[0017]

In order to achieve the above object, in an automatic teller machine of the present invention, a first judging means for judging that a numeric key has been depressed, and a depression of a numeric key. Means for judging that the number of times of input of numeric data has reached a predetermined number of times, and if it is determined that the number of times of input of numeric data has reached the predetermined number of times, Date
The data is processed as personal identification number data, and if it is determined that another key has been pressed before it is determined that the number of times of inputting the numerical data has reached the predetermined number, the data has been input up to that time. Numerical data is processed as transaction amount data.

[0018]

According to the present invention, when using a payment transaction in an automatic teller machine, if a customer inputs a correct password and a correct withdrawal amount, the customer can execute the transaction without being restricted by the order of input. It becomes possible.

[0019]

Embodiments of the present invention will be described below with reference to the drawings. Elements common to the drawings are assigned the same reference numerals.

The structure of the automatic cash transaction apparatus according to the present invention is as follows.
This is the same as the conventional one except that the storage area shown in FIG. 8 is provided in the memory 6 shown in FIG. FIG. 8 is a memory map showing a part of a storage area in the memory 6. A storage area 21 is a counter (hereinafter referred to as a counter N) for counting input of numeric data, and a storage area 22 (hereinafter A).
(N)) stores the input numeric data in any of the numeric data storage areas A (1) to A (4) specified by the content N of the counter N. Man23 and Sen
Reference numeral 24 denotes a storage area for storing a transaction amount for each amount unit.

FIG. 1 is a flowchart showing an input process in a payment transaction according to an embodiment of the present invention. Flow
The chart shows the first to determine that the numeric key has been pressed.
The determination means ST105 is provided, and ST108 is provided as a second determination means for determining that the number of times of input of numeric data accompanying the pressing of the numeric key has reached a predetermined number.
The procedure of the payment transaction will be described with reference to FIGS.

The customer who has selected the payment transaction on the customer operation display section 2 inserts a cash card into the card reader / printer section 3 (ST101).

The main control unit 7 is a storage area A in the memory 6 for storing information input from the customer operation display unit 2.
(N) 22, Man23 and Sen24 are cleared (ST102). Then, a counter N for counting the input numeric data is set to 1 (ST103).

The customer who has inserted the cash card displays an operation guide screen as shown in FIG.
Enter the PIN or withdrawal amount in order.

When the operation key of the customer operation display section 2 is pressed down by one character (ST104), if the operation key is a numerical key for inputting numerical data, the process proceeds to ST106, and the operation key is operated. If the key is a "man" key or a "thousand" key for inputting a monetary unit or a "yen" key for inputting a currency unit, the process proceeds to ST110 (ST105).

If the input is a "numeric" key, the input numeric is stored in A (N) (ST106). At this time, since the setting of the counter N is 1, the inputted number is stored in A (1).

Next, 1 is added to the counter N and set to 2 (ST107).

Then, the processing from ST104 to ST107 is repeated until N reaches 5, and A (1), A
(2) The numbers sequentially input for A (3) and A (4) are stored (ST10T8).

When the setting of the counter N reaches 5, that is, when the "numeric" key is continuously input four times, it is determined that the password has been input. And from A (1) to A
“A (1) A (2) A (3) A (4)” in which the numbers stored up to (4) are arranged in order from A (1) is recognized as a password. Then, the main controller 7 communicates with a host (not shown), inquires customer data stored in the host based on customer-specific information such as an account number stored in the cash card, and inputs the encrypted data. The number is transmitted to determine whether or not the transaction is possible (ST109).

If the input is the "million" key, the "thousand" key, or the "yen" key in ST105, the process proceeds to the next step if the setting of the counter N is 2 or more, and returns to ST103 if it is smaller than 2. ST110).

If the setting of the counter N is 2 or more and the input is the "tens" key in ST105, that is, if the "num" key is input following the "numerals" key (ST
111) determines that the transaction amount data has been input. When the setting of the counter N is 2, A is set to Man.
(1) is added and stored in Man23, and when the setting of the counter N is 3, a number obtained by adding A (2) to 10 times A (1) is added to Man and stored in Man23, and the unit is 10,000 units. (ST112).

If the setting of the counter N is 2 or more and the input is a "thousand" key in ST105, that is, if there is an input of a "numeral" key followed by a "thousand" key (ST
Step 113) determines that the transaction amount data has been input. When the counter N is set to 2, Sen is set to A.
(1) is added and stored in Sen24, and when the setting of the counter N is 3, a number obtained by adding A (2) to 10 times A (1) is added to Sen and stored in Sen24, and a thousand units (ST114).

When the setting of the counter N is 2 or more and the input is the "circle" key in ST105 (ST115)
Judges that the input of the transaction amount is completed, and
10,000 Sen 1,000 yen "is recognized as the withdrawal amount. Then, the main controller 7 communicates with a host (not shown), and refers to customer data stored in the host based on customer-specific information such as an account number stored in the cash card,
The input withdrawal amount is transmitted to determine whether or not the transaction is possible (ST116).

After confirming that the input of the personal identification number and the withdrawal amount has been completed by communication with the host, the process proceeds to the next processing (ST117), and as a result of collation of the personal identification number with the host and comparison of the withdrawal amount with the balance data, If it is determined that the transaction is possible, the process proceeds to ST607 shown in FIG. 6, which is the next process, to complete the input process. If it is determined that the transaction is not possible, ST
The process returns to ST 102 and is input again (ST118).

FIG. 7 shows an example of operation guidance on the customer operation display section 2, and shows a screen for inputting a password and a withdrawal amount. In FIG. 7, a different point from the related art is that a personal identification number display unit 16 and a money amount display unit 17 are provided.

In FIG. 7, the encryption number display section 16 is
In ST105 of the flowchart shown in FIG. 5, while the "numeric" key 12 is designated, the numbers stored in A (N) are sequentially displayed. Then, when the “man” key 13, the “thousand” key 14, or the “yen” key 15 is designated, the number stored in Man or Sen is displayed on the amount display unit 17 together with the unit of the amount.

[0037]

As described above in detail, according to the present invention, a function is provided for judging whether the information input to the operation unit is a password or a transaction amount and processing it. If the correct password and the correct transaction amount are input, the transaction can be executed without being restricted by the input order.

As a result, since the input order is not restricted, the operability is improved, and the input time per person is shortened. An input error due to a difference in operation content is eliminated, an effect of reducing the time for re-input can be obtained, and a device with high operation efficiency can be provided.

[Brief description of the drawings]

FIG. 1 is a flowchart illustrating an input process in a payment transaction according to an embodiment.

FIG. 2 is a schematic block diagram showing an example of a conventional automatic transaction device.

FIG. 3 is a perspective view showing the appearance of a conventional automatic transaction device.

FIG. 4 is a password input operation screen

FIG. 5: Withdrawal amount input operation screen

FIG. 6 is a flowchart showing a processing procedure of a conventional payment transaction.

FIG. 7 is a screen for inputting a password and a withdrawal amount.

FIG. 8 is a memory map showing an embodiment.

[Explanation of symbols]

 2 Customer operation display section 6 Memory 7 Main control section

Claims (1)

(57) [Claims] 1. An automatic teller machine for entering a transaction number by inputting a password using a numeric key and combining a numeric key with another key to determine that the numeric key has been pressed. First determining means; and second determining means for determining that the number of times of input of numeric data accompanying the pressing of the numeric key has reached a predetermined number. When it is determined that the predetermined number of times has been reached, the numerical data is processed as password data, and before the number of times of inputting the numerical data is determined to have reached the predetermined number, the other data is processed. If it is determined that the key is depressed, the numerical data entered so far is processed as transaction amount data.