JP3108599B2 - 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 used in a financial institution such as a bank, and more particularly to an automatic transaction apparatus operated by a customer.

[0002]

2. Description of the Related Art Conventionally, in a customer-operated automatic transaction apparatus,
A CRT display unit provided at the front of the device for guiding the customer to conduct transaction operations, a flicker lamp provided at the insertion / ejection opening of a card or passbook for guiding the insertion or removal of a card or passbook by flashing, A transaction item display unit or the like, which is provided at the top and displays characters of the transaction item printed in advance from the back, is provided, and the display unit and the like guide and guide the customer.

[0003]

However, in the above-described conventional automatic transaction apparatus, for example, the CRT
CR at idle when there is no customer to extend the life of RT
If T is set to low-luminance display or no display, the customer
In some cases, it was determined that a failure had occurred by looking at the T display, and the user could not approach the apparatus.

[0004] In addition, the transaction items are restricted during holiday operation or after-hour operation. However, despite the restricted transaction items being displayed on the transaction item display section, the customer does not notice the display. In some cases, the monitoring center may be informed by telephone that the transaction cannot be performed in front of the device. In such a case, there is a problem that it takes time for the financial institution to respond to the telephone.

Further, in recent years, many financial institutions have increased the number of transaction items of an automatic transaction apparatus to improve customer service. However, since the structure of the transaction item display is such that fixed characters are printed on a panel, the transaction item is displayed. When the number is increased, the panel itself has to be replaced, and there is a problem that replacement is complicated and replacement cost is required.

It is desirable to solve the above problem by extending the display function on the automatic transaction apparatus side.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention is directed to a first display unit which is provided substantially upward on a device and displays customer operation guidance information, and a customer-facing display on a front portion of the device. In the automatic transaction apparatus having a second display unit disposed in the automatic transaction device, the second display unit is configured by a dot matrix display, and a control unit that displays predetermined information on the second display unit is provided. It is characterized by.

[0008]

According to the present invention having the above-described structure, the transaction item and the customer guidance information can be displayed on the second display section provided on the front side of the apparatus and facing the customer, so that the customer can display the information from a remote position. Can be viewed, and a tradeable subject can be recognized before the operation starts. Further, even when the display information is changed, the display information can be easily changed without replacing the display unit itself.

[0009]

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. FIG. 1 is a block diagram illustrating an automatic transaction apparatus according to an embodiment of the present invention, and FIG. 2 is an external view illustrating an automatic transaction apparatus according to the embodiment. First, each element provided in the automatic transaction apparatus will be described with reference to FIG.

In FIG. 2, the automatic transaction apparatus 1 is provided with a passbook insertion slot 2 and a card insertion slot 3. The passbook insertion slot 2 is where a passbook is inserted by a customer at the time of a transaction, the content of the transaction is recorded inside the apparatus 1, and then discharged. In the card insertion slot 3, a card reader is arranged at the back, where a card is inserted by a customer at the time of a transaction, processed by the card reader, and then ejected.

The customer operation unit 4 is provided on a substantially horizontal surface on the front surface of the apparatus 1 and includes a customer operation display unit 5 (first display unit) and a transparent touch panel 6 arranged to cover the customer operation display unit 5. Consisting of a CR with a touch panel
It consists of a T display. The customer operation unit 4 sequentially displays the customer's operation procedure and transaction items, and the customer executes the transaction by pressing the displayed item according to the displayed procedure. Since the customer operation display unit 5 of the customer operation unit 4 is arranged almost upward, the display contents are hard to be seen from a position distant from the device 1.

The transaction status display section 7 (second display section) is composed of a dot matrix display. For example, in the present embodiment, the present embodiment is configured by a plasma display panel, and the contents of items currently being traded, for example, "withdrawal", "passbook entry", "payment", etc. A guidance / guidance display or various messages to the customer are displayed. As can be seen from the figure, the transaction status display section 7 is arranged at the top of the apparatus 1 in the direction of the customer, so that even if there is a customer who is currently using the apparatus 1, the transaction status display section 7 is behind the customer who is using the apparatus 1. Even the waiting customer can see the display of the transaction status display section 7. The status display section 8 displays the status of the device 1, that is, either the status of the device is being handled or the transaction is stopped.

The deposit / withdrawal unit 9 is used by a customer to deposit banknotes during a deposit transaction such as savings and savings, to return banknotes that have been discriminated to be abnormal among the entered banknotes, and to change bills during a deposit transaction such as payment. This is where you make payments. The proximity sensor 10 is provided on the front surface of the device 1 so that
Detects the approaching of the camera, and is constituted by an infrared sensor.

In FIG. 1, a main control unit 11 controls the operation of the automatic transaction apparatus 1 as a whole, and is connected to the following units. The transaction status display unit 7, customer operation display unit 5, and touch panel 6 have been described above. That is, in the transaction status display unit 7, the content to be displayed and the display drive are controlled by the main control unit 11. Similarly, display contents and display drive of the customer operation display unit 5 are controlled by the main control unit 11. The card reader printer 12 is provided in the device 1 and reads magnetic information of a magnetic stripe provided on a customer's transaction card and prints transaction details on receipt paper.

The passbook entry machine 13 prints transaction details on the customer's passbook inserted from the passbook insertion slot 2. When a payment transaction is instructed, the banknote pay-in / pay-out device 14 pays out and counts banknotes stored in a safe in the apparatus 1 and accumulates the bills in the deposit / withdrawal unit 9, and when a deposit transaction is instructed, It counts and stores the bills inserted into the depositing / dispensing section 9. Proximity sensor 10 detects that a customer is approaching device 1 and transmits a detection signal to main controller 11.

FIG. 3 is a system block diagram showing a display system of the automatic transaction apparatus in the embodiment. In the figure, a plurality of automatic transaction devices 1 are connected to a monitoring device 21,
The monitoring device 21 is connected to the control device 22. The automatic transaction device 1 is connected to the main control unit 11. Control device 2
Reference numeral 2 is installed in a bank store (branch), for example, and is configured by a personal computer or the like, to which a storage device 23 can be connected. The storage device 23 stores a message unique to the bank store where the control device 22 is installed, such as sales guidance information and service information.

The monitoring device 21 is also connected to a host device 25 and a service network 26 via a communication line 24. The host device 25 stores a message unique to the financial institution, that is, sales guidance information, service information, and the like. The service network 26
An organization that provides public news.

Next, the operation of this embodiment will be described with reference to FIGS. 4 to 8 are explanatory diagrams showing display examples of the transaction status display unit. First, when the automatic transaction apparatus 1 is turned on, a message shown in FIG. The device 1 takes time from when the power is turned on until it becomes operable, during which time the message in FIG. 4 is displayed. When the device 1 is in an operable state, the transaction status display unit 7 displays the transaction items and the wording that can be handled as shown in FIG. 5 alternately. This alternate display is performed, for example, about every 10 seconds. When the apparatus 1 is in an operable state, the status display section 8 displays a message indicating that the apparatus 1 is being handled.

When there is no customer near the automatic transaction apparatus 1, the customer operation display section 5 of the customer operation section 4 is set to a non-display state, thereby saving the labor of the apparatus 1. When a customer enters a bank store, the customer sees the display of the transaction status display section 7. Since the transaction status display section 7 is displayed on the upper side of the apparatus 1 and toward the customer side, the transaction status display section 7 can be easily seen by a customer who is away from the apparatus 1. Here, even if the customer operation display section 5 is in a non-display state, the customer can know the transaction items that can be handled. The two displays shown in FIG.
Instead of displaying them alternately, they may be displayed in a scroll display (displayed in a flowing manner). In this case, the scroll direction is a direction in which the scroll moves from right to left in FIG.

At this time, a display indicating that the energy saving operation is being performed may be displayed on the transaction status display section 7 as shown in FIG. By performing such a display, the customer can understand why the display of the customer operation display 5 is not displayed. Note that the wording shown in FIG. 6 may be scroll-displayed together with the wording "Welcome."

When a customer approaches the device 1, the proximity sensor 1
0 indicates that the customer is approaching, and the detection signal is sent to the device 1
Is sent to the main control unit 11 in the inside. Upon receiving this signal, the main control unit 11 issues an instruction to the customer operation display unit 5 to display the transaction item and the operation guidance wording. The customer performs an input operation by touching the touch panel 6 according to the displayed operation guidance wording, and selects a transaction subject. For example, a payment transaction is selected. When the selection information of the transaction item is sent to the main control unit 11, the main control unit 11 instructs the customer operation display unit 5 to display a guide for inserting a passbook and inserting a card, and also sends a card reader printer 12 a card. Direct inhalation.

Next, the customer inserts a passbook into the passbook insertion slot 2 and inserts a transaction card into the card insertion slot 3 in accordance with the guidance display of the customer operation display section 5. The inserted card is sucked into the card reader printer 12, where the information of the magnetic stripe of the card is read. The read information is sent to the main control unit 11, and the main control unit 11 checks whether the card is authentic. When the authenticity of the card is confirmed by this check, the main control unit 11 instructs the customer operation display unit 5 to guide the input of the personal identification number. At the same time, it instructs the touch panel 6 to enable key input corresponding to the display.

When the customer inputs his / her personal identification number, the input information is sent from the touch panel 6 to the main control unit 11,
The main controller 11 checks whether or not the magnetic stripe information of the card and the password match. If a match is confirmed by this check, the main control unit 11 instructs the customer operation display unit 5 to guide the user to input the payment amount, and also instructs the touch panel 6 to enable key input corresponding to the display.

When the customer inputs the amount and presses the confirmation key, after confirming that the input amount is within the payable limit, the main control section 11 displays on the customer operation display section 5 a standby state for the customer. Instruct to display guidance. on the other hand,
The card reader / printer 12 creates a receipt of the transaction statement in accordance with an instruction from the main control unit 11, prints the transaction statement on the inserted passbook in the passbook entry machine 13, and prints the input amount in the bill depositing / dispensing machine 14. The dispensing and counting of the bills are performed.

When the receipt creation is completed, the card and the receipt are discharged to the card insertion slot 3, and when the passbook printing is completed, the passbook is discharged to the passbook insertion slot 2. When the counting of bills is completed, bills to be paid are accumulated in the depositing / dispensing section 9.
At this time, the main control unit 11
It gives an instruction to display guidance for receipt of a card, passbook, and bill. At the same time, the main control unit 11 instructs the transaction status display unit 7 to perform the display shown in FIG. The display shown in FIG. 7 is for notifying the customer that the passbook, bill and card have been discharged, thereby preventing forgetting to take it. The customer operation display unit 5 guides the discharge of these passbooks, bills, and cards. However, the customer must keep an eye on the customer operation display unit 5 when extracting the passbook or card. By displaying the emission guide on the transaction status display unit 7, even if the customer is away from the customer operation display unit 5, it is possible to notify the customer of the emission guide.

Until the customer operates and each medium is ejected, the transaction items and the customer guidance shown in FIG. 5 are alternately displayed.

When the customer removes the passbook, the main control section 11 issues an instruction to the transaction status display section 7 to delete the display of the passbook discharge guide. When the customer removes the card, the main control unit 11 displays the transaction status display unit 7
An instruction is given to erase the display of the card ejection guide. The shutter of the deposit / withdrawal unit 9 is designed to be opened only after the passbook and the card are removed, and the main control unit 11
After confirming that the passbook and the card have been removed, the shutter of the deposit / withdrawal unit 9 is opened. The display of the discharge of bills in the transaction status display section 7 may be performed at this time.
When the bill is extracted by the customer, the main control unit 11 issues an instruction to the transaction status display unit 7 to delete the display of the bill ejection guide. When all the media ejected in this manner are extracted, all the ejection guide displays on the transaction status display section 7 are deleted.

If the customer forgets to take out the bill, for example, the bill delivery guide display on the transaction status display section 7 is not erased but continues. The customer can recognize that he / she has forgotten to remove the bill by viewing the bill ejection guide display that is not erased. If the customer returns without being noticed and does not remove the bill, the bill is taken into the apparatus 1 after a predetermined time has elapsed.

Next, the main control unit 11 instructs the customer operation display unit 5 to display that all transactions have been completed. In addition, the main control unit 11 issues an instruction to the transaction status display unit 7 to perform the guidance alternate display shown in FIG. In the display of the transaction items that can be handled as shown in FIG. 5, if a discontinued item occurs during the operation of the apparatus 1, the display of the transaction item is deleted.

If another customer is waiting in the background while the customer is performing a transaction operation, a display shown in FIG. 5 is displayed on the transaction status display section 7, and this display is displayed by the customer in the background. It is easy to see, and the customer behind can know the transaction items that can be handled, and can confirm while waiting for the transaction that he or she wants to perform. In other words, if the transaction that the customer behind wants to perform is not displayed, it is possible to know that the transaction cannot be performed without waiting for the turn to come and actually approaching the apparatus 1. Go to 1 or leave the bank.

When the customer who has completed the transaction leaves the apparatus 1, that is, when the proximity sensor 10 detects the customer's separation, the main control unit 11 instructs the customer operation display unit 5 to turn off the display. When the customer waiting behind approaches the device 1, it is detected by the proximity sensor 10, and the device 1 starts the above-described transaction operation again.

When the device 1 is stopped, the main controller 1
1 performs scroll display on the transaction status display section 7 as shown in FIG. By performing such a display on the transaction status display unit 7, even a customer far away from the apparatus 1 can know the state of discontinuing the handling of the apparatus 1. By performing this display, the state display section 8 shown in FIG. 2 can be deleted.

The display data shown in FIGS. 4 to 8 is stored in a memory (not shown) of the main control unit 11.

A message unique to the store, for example, sales guidance information and service information is transmitted from the control device 22 in the store shown in FIG. 3 to the main control unit 11 via the monitoring device 21. The host device 25 and the service network 26 transmit messages and news unique to the financial institution to the main control unit 11 via the communication line 24 and the monitoring device 21.

When the customer is not near the device 1 (the range that can be detected by the proximity sensor 10), the main control unit 11 performs the alternate display of the transaction items and the guidance which can be handled as shown in FIG. After the alternate display is performed for a certain period of time, an instruction to display a message (external message) sent via the monitoring device 21 on the transaction status display unit 7 is issued. The transaction status display section 7 scrolls and displays such external messages.

The external message may be scroll-displayed alternately with the transaction items that can be handled as shown in FIG. By displaying in this way, it is possible to simultaneously perform notification of a subject that can be handled and advertisement of a bank, for example.

As the external message displayed on the transaction status display section 7, information on the area to which the store belongs may be displayed, or the current time may be displayed.

The present invention is not limited to the above embodiment, and various modifications are possible. For example, in the above embodiment, transaction items that can be handled are displayed on the transaction status display section 7, but in addition, transaction items that cannot be handled may be displayed. In this case, the transaction items that can be handled can be easily identified by changing the display color. This is particularly effective during holiday operation or after-hour operation where transaction items are restricted. Further, a medium that cannot be handled by the device 1 may be displayed on the transaction status display unit 7.

As a specific example of the transaction status display section 7, a liquid crystal display, an LED dot matrix display or an EL display may be used in addition to the plasma display.

[0040]

As described above in detail, according to the present invention, the transaction item information and the customer operation guidance information are displayed on the transaction status display section arranged forward on the front of the apparatus. Even if the customer operation display section is in a non-display state, the customer can be notified of the state of the device, and the transaction item information can be easily transmitted to the customer. Further, even when there is a change in the transaction item, it is possible to easily respond to the change.
That is, the expansion of the transaction item display function is achieved.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of the present invention.

FIG. 2 is an external view showing an automatic transaction apparatus.

FIG. 3 is a system block diagram illustrating a display system according to an embodiment.

FIG. 4 is an explanatory diagram showing a display example of a transaction status display unit.

FIG. 5 is an explanatory diagram showing a display example of a transaction status display unit.

FIG. 6 is an explanatory diagram showing a display example of a transaction status display unit.

FIG. 7 is an explanatory diagram showing a display example of a transaction status display unit.

FIG. 8 is an explanatory diagram showing a display example of a transaction status display unit.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 5 Customer operation display part 7 Transaction status display part 10 Proximity sensor 11 Main control part

──────────────────────────────────────────────────続 き Continuation of front page (58) Fields investigated (Int. Cl. ⁷ , DB name) G07D 9/00 G06F 19/00 G07D 1/00

Claims (12)

(57) [Claims] 1. An automatic transaction apparatus comprising: a first display section provided substantially upward on a device for displaying customer operation guidance information; and a second display portion disposed on a front portion of the device and facing the customer side. The automatic transaction apparatus according to claim 1, wherein the second display unit is configured by a dot matrix display, and a control unit that displays predetermined information is provided on the second display unit. 2. The automatic transaction apparatus according to claim 1, wherein said second display section has a rectangular shape, and said control section displays predetermined information in a flowing manner. 3. The automatic transaction apparatus according to claim 1, wherein the predetermined information displayed on the second display unit is a tradeable subject. 4. The predetermined information displayed on the second display unit includes transactionable subjects and customer guidance information, and the control unit alternately displays the transactionable subjects and the customer guidance information. Automatic transaction device as described. 5. The automatic transaction apparatus according to claim 1, wherein the predetermined information displayed on the second display unit is a non-tradable subject. 6. The automatic transaction apparatus according to claim 1, wherein the control unit displays customer guidance information as predetermined information, and the customer guidance information includes energy saving operation information. 7. The automatic transaction apparatus according to claim 1, wherein the control unit displays information indicating a state of a medium used in the transaction as predetermined information. 8. The automatic transaction apparatus according to claim 7, wherein the control unit displays the ejection of the medium. 9. The automatic transaction apparatus according to claim 8, wherein the display of the ejection of the medium is deleted by being extracted. 10. The automatic transaction apparatus according to claim 1, wherein said second display unit is a plasma display panel. 11. The automatic transaction apparatus according to claim 1, wherein the control unit switches and displays predetermined information according to a state of the apparatus. 12. The automatic transaction apparatus according to claim 1, wherein the control unit switches and displays predetermined information according to time.