JP4753598B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that is installed in a financial institution or the like and executes transactions by an unspecified number of users (customers), and particularly relates to an automatic transaction apparatus that shortens transaction processing time.

  A conventional general automatic transaction apparatus includes a banknote deposit / withdrawal unit for depositing / withdrawing banknotes, a coin deposit / withdrawal unit for depositing / withdrawing coins, and a customer operation unit for a customer to operate according to displayed guidance. A card processing unit that reads / writes information to a card, a passbook processing unit that performs a bookkeeping process on an inserted passbook, a statement slip issuing unit that issues a statement slip that records transaction results, A journal recording unit that performs journal recording, a clerk operation unit that a clerk operates, a control unit that controls each of the above units, and the like are included.

  When the customer approaches the automatic transaction apparatus, a transaction item selection screen is displayed on the customer operation unit, and the transaction is started when the customer selects one of the transactions. For example, when the withdrawal transaction is selected, the customer inserts his / her card (and passbook) and then inputs the PIN number at the customer operation unit. When the PIN numbers match, the customer inputs the withdrawal amount. As a result, a withdrawal operation is performed, and the cash, inserted card, and passbook (or statement slip) are discharged, and the customer receives these and ends the transaction.

  If transfer transaction is selected, the customer inserts his / her card (and passbook) and then enters the PIN in the customer operation department. If the PIN matches, then the bank name, branch name, and account of the transfer destination are entered. Enter the number, etc., and then enter the transfer amount. As a result, a transfer process is performed, and the last inserted card and passbook (or statement slip) are discharged, and the customer receives these and ends the transaction.

In the case of a transfer transaction, there are many items that a customer inputs. Therefore, it takes time for the input operation. Therefore, conventionally, when an input item is determined, the input operation can be omitted by causing the device to read a transfer card in which information on the input item is recorded in advance. Japanese Patent Laid-Open No. 11-73539 discloses, for example, an automatic transaction apparatus that uses such a transfer card.
JP-A-11-73539

  However, in the conventional automatic transaction apparatus, the transfer operation time can be reduced to some extent by using a transfer card in the transfer transaction, but the input operation time is not reduced in other transactions. Is the current situation. If there are many input operation items, there is a high possibility that an input error will occur, and if an input error occurs, the processing will be reversed and it will take an extra long time. Furthermore, even if it is desired to repeatedly conduct transactions with the same content, the input operation with the same content must be performed each time.

The present invention in order to solve the above problems, have rows transaction selected by the customer, the automated teller machine that records the transaction details in the itemized by itemized issuing unit, transaction type and the transaction entered by the customer operation Input information regarding the type is recorded in the statement slip by the statement slip issuing unit , and the transaction is executed based on the reading means for reading the input information from the statement slip and the input information read from the statement slip by the reading device And a control means.

  According to the present invention, a transaction slip entered by a customer operation and a statement slip in which input information relating to the transaction type is recorded by the statement slip issuing unit is issued, and the input information of this statement slip is provided in the automatic transaction apparatus at the time of the transaction. A transaction is performed based on the information read and read by the reading means, and not only the transfer transaction, but also the items input by the customer are reduced, and the input operation time is shortened.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. Elements common to the drawings are denoted by the same reference numerals. FIG. 1 is a block diagram showing an automatic transaction apparatus according to an embodiment of the present invention. In FIG. 1, an automatic transaction apparatus 1 according to an embodiment includes a control unit 2 that controls the entire apparatus, and each unit described below is connected to the control unit 2. The customer operation unit 3 guides the operation to the customer and receives instructions and inputs from the customer, and is configured by a display device with a touch panel. The card processing unit 4 reads / writes the magnetic stripe of the inserted cash card.

  The banknote depositing / withdrawing unit 5 performs banknote depositing / withdrawing processing including banknote discrimination and counting. The coin deposit / withdrawal unit 6 performs coin deposit / withdrawal processing including coin discrimination and counting. The journal recording unit 7 performs journal recording, and the passbook processing unit 8 records transaction contents in the inserted passbook. The statement slip issuing unit 9 issues a statement slip on which transaction details are printed. The clerk operation unit 10 is a part where the clerk performs an operation at the time of maintenance of the apparatus.

  The barcode reader unit 11 is a part constituting the feature of the present invention, and is provided in the customer operation unit 3 or in the vicinity of the customer operation unit 3, and reads the barcode from a medium on which the barcode brought by the customer is recorded. . The bar code includes a transaction type and input information necessary for the transaction. The recording device 12 records in advance information such as the name of the transfer destination in the transfer transaction, the account number, the name and address of the recipient, the name of the financial institution used by the transfer destination, and the branch name.

  FIG. 2 is an external view showing the automatic transaction apparatus according to the embodiment. In FIG. 2, the automatic transaction apparatus 1 includes the customer operation unit 3, the card insertion / discharge port 14, the banknote deposit / withdrawal port 15, the coin deposit / withdrawal port 16, the passbook insertion / discharge port 18, the statement slip discharge port 19, the transaction service. A display unit 20 and the above-described barcode reader unit 11 are provided.

  The card insertion / discharge port 14 is a portion from which a cash card is inserted and returned, and is connected to the above-described card processing unit 4 through a conveyance path. The banknote deposit / withdrawal port 15 is an port through which banknotes are inserted during deposit transactions and banknotes are ejected during withdrawal transactions, and is connected to the aforementioned banknote deposit / withdrawal unit 5. The coin deposit / withdrawal port 16 is an port through which coins are inserted during deposit transactions and coins are discharged during deposit transactions, and is connected to the above-described coin deposit / withdrawal unit 6.

  The passbook insertion / discharge port 18 is a port through which a passbook is inserted and discharged, and is connected to the passbook processing unit 8 described above. The statement slip discharge port 19 is a port through which the statement slip is discharged, and is connected to the above-described statement slip issuing unit 9. Further, the barcode reader unit 11 is constituted by an optical sensor and is provided close to the customer operation unit 3.

  FIG. 3 is a configuration diagram showing the statement slip issuing unit of the embodiment. In FIG. 3, the statement slip issuing unit 9 includes a statement slip storage box 22 that stores the folded statement slip 21 before issuance, a transport path 23 that transports the detail slip 21, and a transport roller disposed in the transport path 23. 24, a rotary cutter 25 that is arranged in the conveyance path 23 and cuts the statement slip 21 into a single sheet, a thermal head 26 that prints on the surface of the statement slip 21, a platen 27 provided opposite to the thermal head 26, A thermal head 28 for performing printing on the back surface of the statement slip 21 and a platen 29 provided to face the thermal head 28 are provided.

  Next, the operation of the embodiment having the above configuration will be described with reference to the flowchart of FIG. FIG. 4 is a flowchart showing a withdrawal operation. Here, a case where a withdrawal transaction is performed will be described. When a customer goes to a financial institution or a convenience store and approaches the automatic transaction apparatus 1, an initial guidance screen is displayed on the customer operation unit 3 by a proximity sensor (not shown) (step 1). The displayed guidance screen is shown in FIG.

  In FIG. 5, a transaction type button 31 is displayed on the guidance screen 30, and a guidance 32 is displayed as “If you have a barcode sheet, please read it with the right barcode reader”. At this time, it is assumed that the customer does not have a bar code sheet, which will be described later, and starts the transaction by pressing the transaction type button 31.

  When the customer presses the withdrawal transaction button 31a (steps 2 and 3), the control unit 2 displays a screen for guiding the insertion of a cash card and a passbook on the customer operation unit 3 (step 4). On this screen, the customer inserts a cash card from the card insertion / extraction port 14 and further inserts a passbook from the passbook insertion / extraction port 18. When the cash card is inserted, the card processing unit 4 reads magnetic data from the magnetic stripe of the cash card. The magnetic data includes customer account numbers.

  Next, the control unit 2 displays a password input screen on the customer operation unit 3 (step 5). On this screen, the customer inputs a password. The entered password is sent to a center computer (not shown) together with the account number and verified with the password registered in the center computer (step 6). Here, if the code numbers do not match, the code number is re-input up to a predetermined number of times (step 7). If the code numbers still do not match, error processing is performed (step 8).

  When a notification that the passwords match is sent from the center computer, the control unit 2 displays a withdrawal amount input screen (step 9). Here, the customer inputs the withdrawal amount. The control unit 2 performs a withdrawal operation based on the input money amount information (step 10). In the dispensing operation, banknotes or coins are fed out by the banknote depositing / dispensing unit 5 and / or the coin depositing / dispensing unit 6 and discharged to the banknote depositing / dispensing port 15 or the coin depositing / dispensing port 16. The customer takes out the banknotes or coins that have been discharged.

  Further, the control unit 2 causes the statement slip 21 shown in FIG. 3 to be transported onto the transport path 23, cut into a single sheet by the rotary cutter 25, and further transported to the thermal head 28. The thermal head 28 faces the back surface of the statement slip 21, and when it is detected by a sensor (not shown) that the statement slip 21 has been conveyed, the control unit 2 drives the thermal head 28 and the back surface of the statement slip 21 A bar code is printed on (Step 11). The bar code indicates the contents of the current transaction, and at least information indicating that it is a withdrawal transaction and withdrawal amount information are recorded.

  When the printing of the bar code is completed, the statement slip 21 is further conveyed, and then the transaction content is printed on the surface of the statement slip 21 by the thermal head 26. Then, the cash card with the updated magnetic data is discharged from the card insertion / discharge port 14 and the statement slip 21 on which the transaction details are printed is discharged from the statement slip discharge port 19. If a passbook has been inserted, the passbook that has been entered is discharged from the passbook insertion outlet 18 (step 12). This completes the withdrawal transaction.

  When discharging the statement slip 21 with the barcode printed on the back side, the customer operation unit 3 reads “If the same withdrawal transaction will be performed in the future, the customer's input operation will be performed by reading the barcode on the back side of the statement slip. “No longer necessary” is displayed. Further, this message may be transmitted to the customer by voice. By transmitting this message to the customer, the customer can confirm that the barcode of the statement slip 21 can be used in the next withdrawal transaction.

  In the above example, a barcode is printed on the back side of the statement slip 21 for each withdrawal transaction. However, an inquiry screen for the customer whether or not to print the barcode on the customer operation unit 3 during the transaction is displayed. It may be displayed and the customer may select the barcode printing.

  Next, the case where the customer carries out a withdrawal transaction by bringing the statement slip 21 on which the barcode is printed will be described with reference to the flowchart of FIG. When the customer approaches the automatic transaction apparatus 1, the first guidance screen shown in FIG. 5 is displayed on the customer operation unit 3 (step 21).

  In accordance with the guidance 32 “If you have a barcode sheet, please read it with the barcode reader on the right side” displayed on the guidance screen 30 in FIG. 5, the customer barcodes the statement slip 21 (barcode sheet) that he brought. Is placed on the barcode reader unit 11 with the printed back side facing down. As a result, the barcode reader unit 11 reads the barcode from the back side of the statement slip 21. The barcode data read from the barcode sheet is sent to the control unit 2, and the control unit 2 analyzes the barcode data and recognizes that the read transaction type is a withdrawal transaction (steps 22 and 23). The explanation for other transactions is omitted.

  Recognizing that the withdrawal transaction has been input, the control unit 2 displays a screen for guiding the insertion of the cash card and the passbook on the customer operation unit 3 (step 24). On this screen, the customer inserts a cash card from the card insertion / extraction port 14 and further inserts a passbook from the passbook insertion / extraction port 18. When the cash card is inserted, the card processing unit 4 reads magnetic data from the magnetic stripe of the cash card.

  Next, the control unit 2 displays a password input screen on the customer operation unit 3 (step 25). On this screen, the customer inputs a password. The entered personal identification number is sent to a center computer (not shown) together with the account number and collated with the personal identification number registered in the central computer (step 26). Here, if the code numbers do not match, the code number is re-input up to a predetermined number of times (step 27), and if it still does not match, error processing is performed (step 28).

  When a notification that the personal identification numbers match is sent from the center computer, the control unit 2 performs a withdrawal operation based on the amount information read from the barcode sheet (step 29). In the dispensing operation, banknotes or coins are fed out by the banknote depositing / dispensing unit 5 and / or the coin depositing / dispensing unit 6 and discharged to the banknote depositing / dispensing port 15 or the coin depositing / dispensing port 16. The customer takes out the banknotes or coins that have been discharged.

  Next, the control unit 2 discharges the cash card whose magnetic data has been updated from the card insertion / discharge port 14 and discharges the passbook in which transaction contents are recorded from the book insertion / discharge port 18. If no bankbook is inserted, the statement slip printed with the transaction contents is discharged from the statement slip outlet 19 by the thermal head 26 of the statement slip issuing unit 9 (step 30). This completes the withdrawal transaction.

  As described above, when performing a withdrawal transaction using the statement slip 21 (barcode sheet) on which the barcode is printed on the back side, the customer does not select a transaction item and inputs a withdrawal amount. The withdrawal transaction can be performed, and the input operation can be simplified and the input operation time can be shortened.

  In the above example, the barcode is not printed on the back side of the statement slip 21 in the withdrawal transaction, but a customer inquiry screen as to whether or not to print the barcode during the transaction operation is displayed on the customer operation unit 3 A bar code may be printed according to the customer's selection. By making it possible to print selectively, it is possible to meet the customer's desire to replace the new barcoded statement slip 21.

  Next, a case where a transfer transaction is performed will be described. FIG. 7 is a flowchart showing the transfer transaction operation. In this case as well, a case will be described in which the customer does not have a statement slip printed with a barcode as a barcode sheet. When the customer approaches the automatic transaction apparatus 1, the first guidance screen shown in FIG. 5 is displayed on the customer operation unit 3 (step 31).

  When the customer depresses the transfer transaction button 31b (steps 32 and 33), the control unit 2 that has recognized that the transfer transaction has been input displays a screen for guiding the customer operation unit 3 to insert a cash card and a passbook. Displayed (step 34). On this screen, the customer inserts a cash card from the card insertion / extraction port 14 and further inserts a passbook from the passbook insertion / extraction port 18. When the cash card is inserted, the card processing unit 4 reads magnetic data from the magnetic stripe of the cash card.

  Next, the control unit 2 displays a password input screen on the customer operation unit 3 (step 35). On this screen, the customer inputs a password. The entered personal identification number is sent together with the account number to a center computer (not shown) and collated with the personal identification number registered in the central computer (step 36). Here, if the code numbers do not match, the code number is re-entered up to a predetermined number of times (step 37). If the code numbers still do not match, error processing is performed (step 38).

  When a notification that the passwords match is sent from the center computer, the control unit 2 displays a transfer information input screen (step 39). Here, the customer inputs the bank name, branch name, account number, payee name and address, and transfer amount as the transfer information. The control unit 2 performs a transfer process based on the input transfer information (step 40).

  Next, the control unit 2 conveys the statement slip 21 shown in FIG. 3 onto the conveyance path 23, cuts it into a single sheet by the rotary cutter 25, and conveys it to the thermal head 28. The thermal head 28 faces the back surface of the statement slip 21, and when it is detected by a sensor (not shown) that the statement slip 21 has been conveyed, the control unit 2 drives the thermal head 28 and the back surface of the statement slip 21 A bar code is printed on (Step 41). The bar code indicates the contents of the current transfer transaction, and the transfer information entered by the customer is recorded. In other words, in addition to the information that the transaction is a transfer transaction, information such as the name of the transfer destination, the account number, the name and address of the payee, the name of the financial institution used by the transfer destination, and the name of the branch are recorded in a barcode.

  When the printing of the bar code is completed, the statement slip 21 is further conveyed, and then the transaction content is printed on the surface of the statement slip 21 by the thermal head 26. Then, the cash card with the updated magnetic data is discharged from the card insertion / discharge port 14 and the statement slip 21 on which the transaction details are printed is discharged from the statement slip discharge port 19. If a passbook is inserted, the passbook on which the passbook has been entered is discharged from the passbook insertion outlet 18 (step 42). This completes the transfer transaction.

  In the case of the above example as well, a customer inquiry screen as to whether or not to print a barcode on the customer operation unit 3 may be displayed in the middle of the transaction, and the customer may select to print the barcode.

  Next, the case where the customer carries out the transfer transaction by bringing the statement slip 21 on which the barcode is printed will be described with reference to the flowchart of FIG. When the customer approaches the automatic transaction apparatus 1, the first guidance screen shown in FIG. 5 is displayed on the customer operation unit 3 (step 51).

  In accordance with the guidance 32 “If you have a barcode sheet, please read it with the barcode reader on the right side” displayed on the guidance screen 30 in FIG. 5, the customer barcodes the statement slip 21 (barcode sheet) that he brought. Is placed on the barcode reader unit 11 with the printed back side facing down. As a result, the barcode reader unit 11 reads the barcode from the back side of the statement slip 21. The read barcode data is sent to the control unit 2, and the control unit 2 analyzes the barcode data and recognizes that the read transaction type is a transfer transaction (steps 52 and 53). The explanation for other transactions is omitted.

  Recognizing that the transfer transaction has been input, the control unit 2 displays a screen for guiding the customer operation unit 3 to insert a cash card and a passbook (step 54). On this screen, the customer inserts a cash card from the card insertion / extraction port 14 and further inserts a passbook from the passbook insertion / extraction port 18. When the cash card is inserted, the card processing unit 4 reads magnetic data from the magnetic stripe of the cash card.

  Next, the control unit 2 displays a password input screen on the customer operation unit 3 (step 55). On this screen, the customer inputs a password. The entered personal identification number is sent to a center computer (not shown) together with the account number and collated with the personal identification number registered in the central computer (step 56). Here, if the code numbers do not match, the code number is re-input up to a predetermined number of times (step 57), and if it still does not match, error processing is performed (step 58).

  When the center computer sends a notification that the PIN numbers match, the control unit 2 uses the transfer information read from the bar code sheet, that is, the transfer destination name, account number, recipient name and address, and transfer destination. The transfer process is performed based on information such as the name of the financial institution and the branch name (step 59).

  Next, the control unit 2 discharges the cash card whose magnetic data has been updated from the card insertion / discharge port 14 and discharges the passbook in which transaction contents are recorded from the book insertion / discharge port 18. If no passbook is inserted, the statement slip printed out by the statement slip issuing unit 9 is discharged from the statement slip discharge port 19 (step 60). This completes the transfer transaction.

  As described above, when performing a transfer transaction using a barcode sheet, the customer does not select a transaction item, and does not enter the bank name, branch name, deposit type, account number, and transfer amount of the transfer destination. Transfer transactions can be performed, and the input operation can be simplified and the input operation time can be shortened. Furthermore, since no input mistake occurs, the input operation is not re-executed.

  In the above example as well, an inquiry screen to the customer regarding whether or not to print the barcode during the transaction operation may be displayed on the customer operation unit 3 and the barcode may be printed by the customer's selection.

  In the withdrawal transaction and the transfer transaction described above, an example is shown in which a barcode sheet is printed on the back surface of the statement slip 21, and the transaction is performed by reading the barcode of the statement slip 21 in the next transaction. According to this, since the medium (detailed slip) provided in the automatic transaction apparatus 1 is used, it is not necessary to newly prepare a medium for issuing a barcode sheet, and the apparatus is not increased in size. However, the medium for printing the barcode is not limited to the statement slip. For example, a bar code sheet on which a bar code is printed may be prepared in advance by a customer, and the bar code sheet may be read by an automatic transaction apparatus to perform a transaction.

  In other words, before going to a financial institution, the customer uses the financial institution's website to retrieve the bar code sheet creation instructions from the financial institution's website where the customer's account is located, and inputs information about the corresponding item. A bar code sheet is created by printing it out.

  In the above example, the withdrawal transaction and the transfer transaction have been described. However, other transactions can be performed using a barcode sheet. Further, it may be read by using printable encrypted data instead of the barcode.

It is a block diagram which shows the automatic transaction apparatus of embodiment. It is an external view which shows the automatic transaction apparatus of embodiment. It is a block diagram which shows the statement slip issuing part of embodiment. It is a flowchart which shows the payment transaction operation | movement of embodiment. It is explanatory drawing which shows the guidance screen of embodiment. It is a flowchart which shows the payment transaction operation | movement of embodiment. It is a flowchart which shows the transfer transaction operation | movement of embodiment. It is a flowchart which shows the transfer transaction operation | movement of embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Control part 3 Customer operation part 11 Bar code reader part

Claims (1)

There line transactions selected by the customer, the automated teller machine that records the transaction details in the itemized by itemized issuing unit,
Record the transaction type entered by the customer operation and the input information related to the transaction type in the statement slip by the statement slip issuing unit,
Reading means for reading the input information from the statement slip ;
An automatic transaction apparatus comprising: control means for executing a transaction based on the input information read from the statement slip by the reading means.

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