JP5245415B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus installed in a store of a financial institution, a convenience store or the like, and more particularly to an automatic transaction apparatus that performs a transfer transaction.

Conventionally, automatic transaction devices such as ATMs (Automatic Teller Machines) installed at branches of financial institutions such as banks, credit unions, post offices, etc. have been operated by customers themselves Financial transactions such as deposits, withdrawals, transfers, transfers, bankbooks, etc. can be performed. Here, when the financial transaction is a transfer transaction, the amount entered by the customer based on the information recorded on the transfer card inserted into the card slot of the automatic transaction apparatus by the customer or the information input by the customer is transferred. The transfer is made from the original customer account to the transfer destination account, or the amount deposited by the customer is transferred to the transfer destination account. And the said automatic transaction apparatus returns the cash card, the transfer card, etc. while issuing the statement slip (receipt) which printed the content, result, etc. of the transfer transaction. (For example, refer to Patent Document 1).
JP 2004-310155 A

  However, in the conventional automatic transaction apparatus, when transferring from the transfer source account to the transfer destination account, when the transfer transaction is unsuccessful due to a shortage of the balance of the transfer source account, a customer operation error, etc., the customer transfers A transaction may be terminated without noticing that the transaction has failed. When a transfer transaction is not successful, a message indicating that the transfer transaction has not been completed is displayed on the customer operation screen of the operation panel of the automatic transaction apparatus, or printing indicating that the transfer transaction has not been completed is printed on the statement slip. It has become. However, if the customer is a person who conducts a transfer transaction on a daily basis, the customer operation screen and the statement slip are rarely checked, so the transaction ends without noticing that the transfer transaction is not completed.

  The present invention solves the problems of the conventional automatic transaction apparatus, alerts the customer when the transfer transaction is unsuccessful, and ensures that the customer ends the transaction without noticing that the transfer transaction is unsuccessful. An object of the present invention is to provide an automatic transaction apparatus that can be prevented.

Therefore, in the automatic transaction apparatus according to the present invention, the automatic transaction apparatus is connected to an accounting system host apparatus of a financial institution that processes a financial transaction and is operated by a customer of the financial institution to perform a financial transaction. A card handling unit that reads data of the card and a customer operation unit operated by the customer, the card handling unit includes a statement slip printing device that issues a statement slip that prints the result of the financial transaction, When the transferred transaction is not successful, the statement slip printing device issues a statement slip with a size different from the normal one to call the customer's attention.

In another automatic transaction apparatus according to the present invention, the automatic transaction apparatus is connected to an accounting system host apparatus of a financial institution that processes a financial transaction and is operated by a customer of the financial institution to perform a financial transaction. A card handling unit for reading card data, and a customer operation unit operated by a customer, the customer operation unit including a display device, and a transfer transaction performed by the customer is unsuccessful because the account balance of the customer is insufficient In this case, the display device displays a screen indicating that the account balance is insufficient, and then displays a screen indicating that the transfer transaction has not been established in a different manner from the usual manner to call the customer's attention.

In still another automatic transaction apparatus of the present invention, the screen indicating that the transfer transaction has not been established includes a confirmation key for confirming that the transfer transaction has not been established, and the subsequent operations are performed after the confirmation key is pressed .

In yet another automatic transaction apparatus according to the present invention, an automatic transaction apparatus connected to an accounting system host apparatus of a financial institution that processes a financial transaction and operated by a customer of the financial institution to perform a financial transaction, the customer A card handling unit that reads data from the card and a customer operation unit that is operated by the customer. The customer operation unit includes a display device and a voice output device, and is performed by the customer because the account balance of the customer is insufficient . If the transfer transaction is not established, the display device displays a screen indicating that the account balance is insufficient, and then the voice output device notifies the customer of the customer's attention by issuing a voice transfer transaction failure notification.

In yet another automatic transaction apparatus according to the present invention, an automatic transaction apparatus connected to an accounting system host apparatus of a financial institution that processes a financial transaction and operated by a customer of the financial institution to perform a financial transaction, the customer A card handling unit that reads data of the card of the customer, and a customer operation unit operated by the customer, the card handling unit has a card insertion slot into which the customer's card is inserted, and in the vicinity of the card insertion slot When the transfer transaction performed by the customer is not established, the illumination device is turned on or blinking differently from the normal state, and the transfer transaction failure notification is given to call the customer's attention.
Still another automatic transaction apparatus according to the present invention further includes a bankbook handling unit including a bankbook insertion slot into which a customer's bankbook is inserted, and an illumination device disposed near the bankbook insertion slot. When the transfer transaction performed by the customer is not established, the lighting device disposed near the card insertion slot and the lighting device disposed near the bankbook insertion slot are in a lighting or blinking state different from normal. Notify the transfer transaction failure and call the customer's attention.
In still another automatic transaction apparatus of the present invention, the card handling unit returns the card from the card insertion slot after the lighting device is turned on or flashing differently from the normal state.
In still another automatic transaction apparatus according to the present invention, the customer operation unit further includes a display device, and when the transfer transaction performed by the customer is unsuccessful due to insufficient account balance of the customer, the display device displays the account. After displaying a screen indicating a shortage of balance, the lighting device is in a lighting or blinking state different from normal.

  According to the present invention, in the automatic transaction apparatus, the customer's attention is alerted when the transfer transaction is not established. This can reliably prevent the customer from ending the transaction without noticing the failure of the transfer transaction.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing a system configuration of an automatic transaction apparatus according to the first embodiment of the present invention, and FIG. 2 is a schematic diagram of the automatic transaction apparatus according to the first embodiment of the present invention.

  In the figure, 10 is an automatic transaction device such as ATM, CD, etc. installed at a branch of a financial institution such as a bank, a credit union, a post office, etc. It is a device for using financial services such as withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting. The automatic transaction apparatus 10 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 10 is a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. There may be. The customer is a person who opens his / her own account at a financial institution and uses the financial service, and is generally an individual, but may be a company, an organization, or the like.

  Here, the automatic transaction apparatus 10 includes a customer operation display unit 11 as a customer operation unit, a card reading / printing unit 12 as a card handling unit, a passbook entry unit 13, a banknote deposit / withdrawal unit 14, a coin deposit / withdrawal unit 15, and a communication unit. 16, a control unit 17 and a storage unit 18.

  The customer operation display unit 11 includes an input device such as a keyboard and a touch panel, a display device 11a such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display, a voice input device such as a microphone for inputting a customer's voice, a voice A voice output device such as a speaker for outputting guidance, a biometric authentication information acquisition device such as a vein pattern reading device, and the like are provided. The display device 11a is preferably a touch panel having both functions of an input device. The display device 11a displays a screen for guiding a customer's input operation or the like for the transaction selected by the customer, input information, and the like. As a result, the customer can select a desired transaction, enter a password, a transaction amount, and the like.

  The card reading / printing unit 12 is recorded from a card slot 12a into which a card such as a cash card is inserted, and data of a card inserted by the customer into the card slot 12a, that is, a magnetic stripe of the card, an IC chip, etc. A card reader / writer for reading information such as the name and account number of a customer, writing update information, and the like, and a statement slip printing device for printing and releasing transaction contents on a statement slip. Here, the card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to the customer by the financial institution, and the customer's name, financial institution name, store number, account number. A magnetic card having a magnetic stripe may be used as a storage unit for storing information such as an IC card, and an IC card having an IC may be used as the storage unit.

  Further, the passbook entry unit 13 includes a passbook slot 13a into which a passbook is inserted, and a passbook reader that reads information on the customer's name and account number recorded in the magnetic stripe of the passbook inserted by the customer into the passbook slot 13a. And a passbook printing unit for printing transaction contents on a passbook. The bankbook entry unit 13 takes in the bankbook inserted by the customer from the bankbook slot 13a during financial transactions such as deposit, withdrawal, bankbook bookkeeping, etc., and the customer's name and account recorded in the magnetic stripe of the bankbook In addition to reading information such as numbers, the transaction information of the current transaction information and the past transaction information in the past transaction information is printed on the passbook.

  Moreover, the banknote depositing / withdrawing unit 14 has a mechanism for a customer to take in and out banknotes and a mechanism for counting banknotes in the automatic transaction apparatus 10. And while receiving and counting the banknote which the customer deposited from the banknote depositing / withdrawing port 14a in financial transactions, such as payment and transfer, the banknote of predetermined amount is paid out from the said banknote depositing / withdrawing port 14a in financial transactions, such as withdrawal.

  Further, the coin deposit / withdrawal unit 15 has a mechanism for a customer to put coins in and out of the automatic transaction apparatus 10 and a mechanism for counting coins in the automatic transaction apparatus 10. Then, the customer receives and counts the coins deposited from the coin deposit / withdrawal port 15a in the financial transaction such as deposit and transfer, and pays out a predetermined amount of coins from the coin deposit / withdrawal port 15a in the financial transaction such as withdrawal.

  The communication unit 16 controls communication with the host computer 21 and the like connected via the communication network 22. The host computer 21 is a computer that functions as an accounting system host device installed in a business center of a financial institution such as a bank. The communication line network 22 is a network such as a LAN (Local Area Network) or an online network, but may be any type of network as long as it is a network capable of data communication. The automatic transaction apparatus 10 communicates with the host computer 21 via the communication network 22 to make deposits, withdrawals, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit, etc. Execute financial transaction processing. On the other hand, the host computer 21 transmits / receives a transaction message related to the financial transaction to / from the automatic transaction apparatus 10, determines whether or not the customer's financial transaction is to be established, and processes the financial transaction. In addition, it authenticates the identity of the customer based on the customer's account number, personal identification number, and the like.

  Furthermore, the control unit 17 is a kind of computer that includes a calculation unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and operates according to a program. The operations of the reading and printing unit 12, the passbook entry unit 13, the banknote deposit / withdrawal unit 14 and the coin deposit / withdrawal unit 15 are comprehensively controlled.

  The storage unit 18 includes a semiconductor memory, a magnetic disk, and the like, and can store various types of information, read stored information, and the like. The storage unit 18 stores a control program for controlling the operation of the entire automatic transaction apparatus 10.

  An illumination device including a lamp, LED, and the like is mounted in the vicinity of the card slot 12a and the passbook slot 13a. And when the transaction which uses a card | curd or a passbook is selected, the said lighting device lights or blinks, and guides a customer.

  Next, the operation of the automatic transaction apparatus 10 having the above configuration will be described.

  FIG. 3 is a view showing an example of a screen displayed by the customer operation display unit in the first embodiment of the present invention, and FIG. 4 is an operation of a transfer transaction by withdrawal from an account in the first embodiment of the present invention. It is a flowchart which shows.

  First, a customer standing in front of the automatic transaction apparatus 10 selects a desired transaction from the transaction screen displayed on the display device 11 a of the customer operation display unit 11. As the transaction screen, a transaction selection screen which is an initial screen is displayed, and a button corresponding to each financial transaction is used as a selection means for selecting a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry, and transfer. It is displayed. Then, the customer can select a desired financial transaction by pressing the corresponding button. Here, it demonstrates as what selected transfer as a financial transaction. Thereby, the transfer procedure is started. In the transfer procedure, the customer first sets the payment method of the transfer amount to be withdrawn from the account, that is, from the transfer source account that is the customer's account, or to pay in cash, that is, Select cash transfer. Here, a case where the customer selects the transfer from the transfer source account will be described.

  Subsequently, the customer authenticates himself / herself by inserting his / her card into the card slot 12a of the card reading / printing unit 12 and inputting a personal identification number. Then, the automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the input personal identification number matches the personal identification number registered in advance.

  Here, if the passwords do not match, the display device 11a of the customer operation display unit 11 displays a password error message. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

  Further, if the passwords match, the display device 11a of the customer operation display unit 11 inserts the transfer card into the card slot 12a if there is a transfer card, and sends information necessary for transfer if there is no transfer card. Display a message prompting the customer to enter. If there is no transfer card, the customer operates the display device 11a having the function of the input device, inputs the financial institution of the transfer destination, the branch name, the account number, etc., and further, the information of the transfer requester, for example, Enter your name, phone number, etc. Then, since the display device 11a of the customer operation display unit 11 displays a transfer amount input screen, the customer operates the input screen to input the transfer amount. When there is a transfer card, when the transfer card is inserted into the card slot 12a, a transfer amount input screen is displayed, and the customer inputs the transfer amount as it is.

  Then, after the customer inputs the transfer amount and confirms the input amount by pressing a confirmation button or the like, the automatic transaction apparatus 10 and the host computer 21 communicate with each other, so that there is no problem in the transfer destination account. It is determined whether or not it is a transfer destination account OK. Here, if there is no problem in the bank account, that is, if the bank account is OK, then whether or not the current time falls within the time that can be transferred to the bank account within the day, It is determined whether or not it is within the transfer time on the day. And if it is time that can be transferred to the transfer account within the day, that is, within the transfer time of the day, whether the account balance of the transfer source account will be negative if the transfer amount is subtracted, That is, it is determined whether or not the account balance is insufficient.

  Here, when the account balance of the transfer source account does not become negative even if the transfer amount is subtracted, that is, when the account balance is not insufficient, the transfer from the transfer source account to the transfer destination account is performed, and the transfer is established. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

  Further, when the account balance of the transfer source account is minus when the transfer amount is subtracted, that is, when the account balance is insufficient, the display device 11a of the customer operation display unit 11 means that the account balance of the transfer source account is not sufficient. To display a shortage message. Subsequently, as shown in FIG. 3, the display device 11 a of the customer operation display unit 11 displays a transaction failure by setting the screen display as a special display. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction. The special display screen is, for example, a red screen with a red background. Thereby, a customer's attention can be alerted.

  On the other hand, if it is determined whether it is within the day transfer time and not within the day transfer time, the display device 11a of the customer operation display unit 11 displays a message that the transfer will be the next business day, A screen for selecting whether to continue or cancel the transfer transaction, that is, a screen for selecting OK or cancellation is displayed. Here, when the customer selects OK, it is determined whether or not the account balance is insufficient, and the subsequent operations are performed. When the customer selects cancel, the display device 11a of the customer operation display unit 11 displays the transaction failure on the screen with a special display, and the subsequent operations are performed.

  Further, if it is determined whether or not the account is a transfer destination account and the transfer destination account is not OK, the display device 11a of the customer operation display unit 11 displays a special display after displaying the transfer destination error message. Is displayed, the subsequent operation is performed.

Next, a flowchart will be described.
Step S1 The customer selects a transfer from the transaction screen.
Step S2 The customer inserts a card and inputs a personal identification number.
Step S3: The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the input code number matches a pre-registered code number. If the input password matches the password registered in advance, the process proceeds to step S5. If the input password does not match the password registered in advance, the process proceeds to step S4.
Step S4: The display device 11a displays a password error message.
Step S5: It is determined whether there is a transfer card. If there is a transfer card, the process proceeds to step S8, and if there is no transfer card, the process proceeds to step S6.
Step S6 The customer inputs the financial institution to which money is transferred, the branch name, the account number, and the like.
Step S7 The customer inputs the transfer requester information.
Step S8 The customer inputs the transfer amount.
Step S9: The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the bank account is OK. When it is a transfer destination account OK, it progresses to step S11, and when it is not a transfer destination account OK, it progresses to step S10.
Step S10 The display device 11a displays a transfer destination error message.
Step S11: It is determined whether or not it is within the day transfer time. If it is within the day transfer time, the process proceeds to step S14, and if it is not within the day transfer time, the process proceeds to step S12.
Step S12 The display device 11a displays a message that the transfer will be the next business day.
Step S13: It is determined whether the customer has selected OK or canceled. If OK is selected, the process proceeds to step S14. If cancel is selected, the process proceeds to step S17.
Step S14: It is determined whether the account balance is insufficient. If the account balance is insufficient, the process proceeds to step S16, and if the account balance is not insufficient, the process proceeds to step S15.
Step S15 Transfer from the transfer source account to the transfer destination account is performed, and the transfer is established.
Step S16 The display device 11a displays an insufficient amount message.
Step S17 The display device 11a displays a transaction failure.
Step S18 The card reading and printing unit 12 issues a statement slip on which the transaction result is printed.
Step S19: The statement slip is returned together with the card from the card slot 12a, and the transfer transaction is terminated.

  As described above, in the present embodiment, when the transfer transaction is not established, the display device 11a of the customer operation display unit 11 has a special display, for example, a red screen display different from that at the normal end of the transfer transaction. It has become. Thereby, since a customer's attention can be drawn, it can prevent that a customer complete | finishes a transaction without noticing the failure of a transfer transaction.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 5 is a diagram illustrating a first example of a statement slip dedicated to when a transfer transaction is not established in the second embodiment of the present invention, and FIG. 6 is a detail dedicated to when a transfer transaction is not completed in the second embodiment of the present invention. The figure which shows the 2nd example of a vote, FIG. 7 is a flowchart which shows the operation | movement of the transfer transaction by the withdrawal from the account in the 2nd Embodiment of this invention. 5 and 6, (a) shows a normal statement slip, and (b) shows a statement slip for transfer transaction failure.

  In addition, in this Embodiment, since the structure of the automatic transaction apparatus 10 is the same as that of the said 1st Embodiment, the description is abbreviate | omitted.

  Here, the operation of the automatic transaction apparatus 10 in the present embodiment will be described, but the operation when the transfer transaction is normally performed is the same as that in the first embodiment, and thus the description thereof is omitted. .

  In the present embodiment, when the account balance of the transfer source account becomes negative when the transfer amount is subtracted, that is, when the account balance is insufficient, the display device 11a of the customer operation display unit 11 has a sufficient account balance of the transfer source account. Display a shortage message that means not.

  Subsequently, the card reading and printing unit 12 issues a statement slip dedicated to when the transfer transaction is not established, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

  Here, for example, the special slip when the transfer transaction is not established has a special display as shown in FIG. In an ordinary statement slip, as shown in FIG. 5 (a), transaction details, results, etc. are printed in black characters on a white background. On the other hand, in the statement slip dedicated to when the transfer transaction is not established, a message indicating that the transfer transaction is not established is printed in black on a black background. Therefore, the customer can surely recognize that the transfer transaction has not been established.

  Further, the statement slip dedicated to when the transfer transaction is not established can be a special size as shown in FIG. 6B, for example. In an ordinary statement slip, as shown in FIG. 6A, transaction details, results, and the like are printed on a single sheet of paper. On the other hand, in the statement slip dedicated to when the transfer transaction is not established, a message indicating that the transfer transaction is not established is printed on a continuous sheet of two sheets. That is, the statement slip dedicated to when transfer transaction is not established is longer than a normal statement slip, and is twice as long in the example shown in FIG. Therefore, the customer can surely recognize that the transfer transaction has not been established.

  When the transfer is not the current day but the next business day, a screen for selecting whether to continue or cancel the transfer transaction displayed on the display device 11a of the customer operation display unit 11, that is, a screen for selecting OK or cancellation When the customer selects cancel, the card reading / printing section 12 issues a dedicated slip when the transfer transaction is not established. Then, the statement slip is returned together with the card from the card slot 12a, and the transfer transaction is terminated.

  Furthermore, when it is determined whether or not it is a transfer destination account OK, if it is not a transfer destination account OK, the display device 11a of the customer operation display unit 11 displays a transfer destination error message. Subsequently, the card reading and printing unit 12 issues a statement slip dedicated to when the transfer transaction is not established. Then, the statement slip is returned together with the card from the card slot 12a, and the transfer transaction is terminated.

Next, a flowchart will be described.
Step S21 The customer selects transfer from the transaction screen.
Step S22 The customer inserts a card and inputs a personal identification number.
Step S23: The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the input password matches the password registered in advance. If the input password matches the password registered in advance, the process proceeds to step S25. If the input password does not match the password registered in advance, the process proceeds to step S24.
Step S24: The display device 11a displays a password error message.
Step S25: It is determined whether there is a transfer card. If there is a transfer card, the process proceeds to step S28, and if there is no transfer card, the process proceeds to step S26.
Step S26 The customer inputs the financial institution of the transfer destination, the branch name, the account number, and the like.
Step S27 The customer inputs the transfer requester information.
Step S28 The customer inputs the transfer amount.
Step S29 The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the bank account is OK. When it is a transfer destination account OK, it progresses to step S31, and when it is not a transfer destination account OK, it progresses to step S30.
Step S30 The display device 11a displays a transfer destination error message.
Step S31: It is determined whether or not it is within the day transfer time. If it is within the day transfer time, the process proceeds to step S34, and if it is not within the day transfer time, the process proceeds to step S32.
Step S32 The display device 11a displays a message that the transfer will be the next business day.
Step S33: It is determined whether the customer has selected OK or canceled. If OK is selected, the process proceeds to step S34. If cancel is selected, the process proceeds to step S37.
Step S34: It is determined whether the account balance is insufficient. If the account balance is insufficient, the process proceeds to step S36. If the account balance is not insufficient, the process proceeds to step S35.
Step S35 Transfer from the transfer source account to the transfer destination account is performed, and transfer is established.
Step S36 The display device 11a displays an insufficient amount message.
Step S37: The card reading / printing unit 12 issues a dedicated slip when the transfer transaction is not established.
Step S38 The card reading and printing unit 12 issues a statement slip on which the transaction result is printed.
Step S39 The statement slip is returned together with the card from the card slot 12a, and the transfer transaction is terminated.

  In this way, in this embodiment, when a transfer transaction is not established, a special form dedicated to when a transfer transaction is not established is issued in a special form that is significantly different from a normal statement. The statement slip dedicated to when the transfer transaction is not successful has a special form, that is, a special display or size. Thereby, since a customer's attention can be drawn, it can prevent that a customer complete | finishes a transaction without noticing the failure of a transfer transaction.

  Next, a third embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  FIG. 8 is a flowchart showing an operation of a transfer transaction by debiting from an account in the third embodiment of the present invention.

  In addition, in this Embodiment, since the structure of the automatic transaction apparatus 10 is the same as that of the said 1st Embodiment, the description is abbreviate | omitted.

  Here, the operation of the automatic transaction apparatus 10 in the present embodiment will be described, but the operation when the transfer transaction is normally performed is the same as that in the first embodiment, and thus the description thereof is omitted. .

  In the present embodiment, when the account balance of the transfer source account becomes negative when the transfer amount is subtracted, that is, when the account balance is insufficient, the display device 11a of the customer operation display unit 11 has a sufficient account balance of the transfer source account. Display a shortage message that means not.

  Subsequently, the voice output device of the customer operation display unit 11 issues a transfer transaction failure notification by voice. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

  Here, the transfer transaction failure notification by voice is, for example, a voice message such as “transfer process failed”. Further, it may be a buzzer sound or an electronic sound such as “boo” or “ping-pong”. The customer confirms the transaction result on the display device 11a of the customer operation display unit 11 or the statement slip by such a voice transfer transaction non-successful notification, and thus can surely recognize that the transfer transaction was not successful. .

  When the transfer is not the current day but the next business day, a screen for selecting whether to continue or cancel the transfer transaction displayed on the display device 11a of the customer operation display unit 11, that is, a screen for selecting OK or cancellation When the customer selects cancel, the voice output device of the customer operation display unit 11 performs voice transfer transaction failure notification. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

  Furthermore, when it is determined whether or not it is a transfer destination account OK, if it is not a transfer destination account OK, the display device 11a of the customer operation display unit 11 displays a transfer destination error message. Subsequently, the voice output device of the customer operation display unit 11 issues a transfer transaction failure notification by voice. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

Next, a flowchart will be described.
Step S41 The customer selects a transfer from the transaction screen.
Step S42 The customer inserts a card and inputs a personal identification number.
Step S43: The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the input code number matches a pre-registered code number. If the input password matches the password registered in advance, the process proceeds to step S45. If the input password does not match the password registered in advance, the process proceeds to step S44.
Step S44: The display device 11a displays a password error message.
Step S45: It is determined whether there is a transfer card. If there is a transfer card, the process proceeds to step S48, and if there is no transfer card, the process proceeds to step S46.
Step S46 The customer inputs the financial institution of the transfer destination, the branch name, the account number, and the like.
Step S47 The customer inputs the transfer requester information.
Step S48 The customer inputs the transfer amount.
Step S49 The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the bank account is OK. When it is a transfer destination account OK, it progresses to step S51, and when it is not a transfer destination account OK, it progresses to step S50.
Step S50 The display device 11a displays a transfer destination error message.
Step S51: It is determined whether or not it is within the day transfer time. If it is within the day transfer time, the process proceeds to step S54, and if it is not within the day transfer time, the process proceeds to step S52.
Step S52: The display device 11a displays a message that the transfer will be the next business day.
Step S53: It is determined whether the customer has selected OK or canceled. If OK is selected, the process proceeds to step S54. If cancel is selected, the process proceeds to step S57.
Step S54: It is determined whether the account balance is insufficient. If the account balance is insufficient, the process proceeds to step S56. If the account balance is not insufficient, the process proceeds to step S55.
Step S55: Transfer is made from the transfer source account to the transfer destination account, and the transfer is established.
Step S56: The display device 11a displays an insufficient amount message.
Step S57 The voice output device issues a voice transfer transaction failure notification.
Step S58 The card reading and printing unit 12 issues a statement slip on which the transaction result is printed.
Step S59 The statement slip is returned together with the card from the card slot 12a, and the transfer transaction is terminated.

  Thus, in this embodiment, when a transfer transaction is not established, a transfer transaction failure notification by voice is performed. Thereby, since a customer's attention can be drawn, it can prevent that a customer complete | finishes a transaction without noticing the failure of a transfer transaction.

  Next, a fourth embodiment of the present invention will be described. In addition, about the thing which has the same structure as the 1st-3rd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to third embodiments is also omitted.

  FIG. 9 is a flowchart showing the operation of the transfer transaction by the withdrawal from the account in the fourth embodiment of the present invention.

  In addition, in this Embodiment, since the structure of the automatic transaction apparatus 10 is the same as that of the said 1st Embodiment, the description is abbreviate | omitted.

  Here, the operation of the automatic transaction apparatus 10 in the present embodiment will be described, but the operation when the transfer transaction is normally performed is the same as that in the first embodiment, and thus the description thereof is omitted. .

  In the present embodiment, when the account balance of the transfer source account becomes negative when the transfer amount is subtracted, that is, when the account balance is insufficient, the display device 11a of the customer operation display unit 11 has a sufficient account balance of the transfer source account. Display a shortage message that means not.

  Subsequently, the lighting device issues a transfer transaction failure notification due to special lighting. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

  Here, the notice of transfer transaction failure due to special lighting is caused by the lighting device including a lamp, LED, etc. mounted in the vicinity of the card slot 12a and the passbook slot 13a being turned on or flashing differently from the normal lighting state. Done. This alerts the customer and allows the customer to reliably recognize that the transfer transaction has not been established.

  When the transfer is not the current day but the next business day, a screen for selecting whether to continue or cancel the transfer transaction displayed on the display device 11a of the customer operation display unit 11, that is, a screen for selecting OK or cancellation When the customer selects cancel, the lighting device makes a transfer transaction failure notification by special lighting. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

  Furthermore, when it is determined whether or not it is a transfer destination account OK, if it is not a transfer destination account OK, the display device 11a of the customer operation display unit 11 displays a transfer destination error message. Subsequently, the lighting device issues a transfer transaction failure notification due to special lighting. Then, the card reading and printing unit 12 issues a statement slip on which the transaction result is printed, returns the statement slip together with the card from the card slot 12a, and ends the transfer transaction.

Next, a flowchart will be described.
Step S61 The customer selects a transfer from the transaction screen.
Step S62 The customer inserts a card and inputs a personal identification number.
Step S63: The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the input password matches the password registered in advance. If the input password matches the password registered in advance, the process proceeds to step S65. If the input password does not match the password registered in advance, the process proceeds to step S64.
Step S64 The display device 11a displays a password error message.
Step S65: It is determined whether there is a transfer card. If there is a transfer card, the process proceeds to step S68, and if there is no transfer card, the process proceeds to step S66.
Step S66 The customer inputs the financial institution to which money is to be transferred, the branch name, the account number, and the like.
Step S67 The customer inputs the transfer requester information.
Step S68 The customer inputs the transfer amount.
Step S69 The automatic transaction apparatus 10 and the host computer 21 communicate with each other to determine whether or not the bank account is OK. When it is a transfer destination account OK, it progresses to step S71, and when it is not a transfer destination account OK, it progresses to step S70.
Step S70 The display device 11a displays a transfer destination error message.
Step S71: It is determined whether or not it is within the day transfer time. If it is within the day transfer time, the process proceeds to step S74, and if it is not within the day transfer time, the process proceeds to step S72.
Step S72 The display device 11a displays a message that the transfer will be the next business day.
Step S73: It is determined whether the customer has selected OK or canceled. If OK is selected, the process proceeds to step S74. If cancel is selected, the process proceeds to step S77.
Step S74: It is determined whether the account balance is insufficient. If the account balance is insufficient, the process proceeds to step S76, and if the account balance is not insufficient, the process proceeds to step S75.
Step S75 Transfer from the transfer source account to the transfer destination account is performed, and the transfer is established.
Step S76 The display device 11a displays an insufficient amount message.
Step S77 A transfer transaction failure notification due to special lighting of the lighting device is performed.
Step S78 The card reading and printing unit 12 issues a statement slip on which the transaction result is printed.
Step S79 The statement slip is returned together with the card from the card slot 12a, and the transfer transaction is terminated.

  As described above, in the present embodiment, when the transfer transaction is not established, a transfer transaction failure notification by special lighting of the lighting device is performed. Thereby, since a customer's attention can be drawn, it can prevent that a customer complete | finishes a transaction without noticing the failure of a transfer transaction.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a block diagram which shows the system configuration | structure of the automatic transaction apparatus in the 1st Embodiment of this invention. It is the schematic of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the example of the screen which the customer operation display part in the 1st Embodiment of this invention displays. It is a flowchart which shows the operation | movement of the transfer transaction by the withdrawal from the account in the 1st Embodiment of this invention. It is a figure which shows the 1st example of the detailed slip only for the time of transfer transaction failure in the 2nd Embodiment of this invention. It is a figure which shows the 2nd example of the statement slip for exclusive use at the time of transfer transaction failure in the 2nd Embodiment of this invention. It is a flowchart which shows the operation | movement of the transfer transaction by the withdrawal from the account in the 2nd Embodiment of this invention. It is a flowchart which shows the operation | movement of the transfer transaction by the withdrawal from the account in the 3rd Embodiment of this invention. It is a flowchart which shows the operation | movement of the transfer transaction by the withdrawal from the account in the 4th Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 11 Customer operation display part 11a Display apparatus 12 Card reading printing part 21 Host computer

Claims (8)

(A) an automatic transaction apparatus connected to an accounting system host apparatus of a financial institution that processes financial transactions and operated by a customer of the financial institution to perform financial transactions;
(B) a card handling unit that reads customer card data;
(C) a customer operation unit operated by the customer;
(D) The card handling unit includes a statement slip printing device that issues a statement slip on which a result of a financial transaction is printed,
(E) An automatic transaction apparatus characterized in that, when a transfer transaction performed by a customer is not established, the statement slip printing device issues a statement slip having a size different from the usual one to call the customer's attention. (A) an automatic transaction apparatus connected to an accounting system host apparatus of a financial institution that processes financial transactions and operated by a customer of the financial institution to perform financial transactions;
(B) a card handling unit that reads customer card data;
(C) a customer operation unit operated by the customer;
(D) The customer operation unit includes a display device,
(E) When a transfer transaction performed by a customer is unsuccessful due to insufficient account balance of the customer, the display device displays a screen indicating the shortage of the account balance, and then displays a screen indicating non-successful transfer transaction. automated teller machine, characterized in that the attention of the customer shows tables in a manner different from the normal. The automatic transaction apparatus according to claim 2, wherein a screen indicating that the transfer transaction has not been completed includes a confirmation key for confirming that the transfer transaction has not been completed, and the subsequent operation is performed after the confirmation key is pressed . (A) an automatic transaction apparatus connected to an accounting system host apparatus of a financial institution that processes financial transactions and operated by a customer of the financial institution to perform financial transactions;
(B) a card handling unit that reads customer card data;
(C) a customer operation unit operated by the customer;
(D) The customer operation unit includes a display device and an audio output device,
(E) When the transfer transaction performed by the customer is not successful due to a shortage of the account balance of the customer , the voice output device displays a screen indicating the shortage of the account balance, and then the voice output device An automatic transaction apparatus characterized by notifying failure and alerting customers. (A) an automatic transaction apparatus connected to an accounting system host apparatus of a financial institution that processes financial transactions and operated by a customer of the financial institution to perform financial transactions;
(B) a card handling unit that reads customer card data;
(C) a customer operation unit operated by the customer;
(D) The card handling unit has a card insertion slot into which a customer's card is inserted, and includes a lighting device disposed near the card insertion slot ,
(E) When the transfer transaction performed by the customer is not established, the lighting device is turned on or flashing differently from the normal state to notify that the transfer transaction has not been established and to alert the customer. apparatus. It further has a bankbook handling unit having a bankbook insertion slot into which a customer's bankbook is inserted, and a lighting device disposed near the bankbook insertion slot,
When the transfer transaction made by the customer is not established, the lighting device arranged near the card insertion slot and the lighting device arranged near the bankbook insertion slot are turned on or blinking differently from the normal state. The automatic transaction apparatus according to claim 5, wherein a transaction failure notification is issued to alert a customer . The automatic transaction apparatus according to claim 5 or 6, wherein the card handling unit returns the card from the card insertion slot after the lighting device is turned on or blinking different from normal. The customer operation unit includes a display device,
When the transfer transaction performed by the customer is not successful due to a shortage of customer account balance, the display device displays a screen indicating the shortage of the account balance, and then the lighting device is turned on or blinking different from normal The automatic transaction apparatus according to any one of claims 5 to 7.

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