JP5551394B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an operation technique for an automatic transaction apparatus installed in a store such as a financial institution.

  In general, the scope of use of automatic transaction devices is limited to transactions that can be completed only by the operations of the customer, and if the customer does not know the operation method of the desired transaction, the customer must perform the operation himself while listening to the staff. In other words, it takes a long time to complete the desired transaction, and there is a problem that the operating rate of the automatic transaction apparatus is lowered.

  In order to solve this problem, an automatic transaction system has been proposed in which an automatic transaction apparatus is arranged in a counter of a bank office, and an employee operates the automatic transaction apparatus while the employee and the customer face each other.

  In this automatic transaction system, for the customer, the operation screen of the automatic transaction apparatus operated by the bank clerk is displayed on another operation terminal device such as a personal computer, and the input of a personal identification number or the like for customer identification is performed on the operation terminal. The customer inputs data using a numeric keypad connected to the apparatus or a touch panel of a display.

  At this time, since there is a risk that a password or the like may be eavesdropped by a bank employee or a third party from the movement of the customer's finger, it is necessary to adopt a method such as changing the display of the numeric keypad at random (for example, , See Patent Document 1).

JP 09-54862 A

  However, in the above-described conventional automatic transaction system, the operation of the customer using the operation terminal device can be prevented from being eavesdropped by randomly changing the arrangement of the numeric keypad. Since it is also displayed on the operation unit, it may be read by a bank employee or a third party who can refer to the operation unit of the automatic transaction apparatus.

  The present invention employs the following configuration in order to solve the above-described problems. That is, an automatic transaction device that operates by operating the first display operation unit and an operation terminal device that operates by operating the second display operation unit, the automatic transaction device is located near the inside of the low counter. The operation terminal device is disposed near the outside of the low counter, and includes display means for displaying the display content of the first display operation unit and the display content of the second display operation unit in a similar manner. In the automatic transaction system in which the clerk operates the first display operation unit based on the request of the customer and the customer can confirm the operation content of the first display operation unit in the second display operation unit, the operation terminal device allows the customer to The operation screen is not displayed on the automatic transaction apparatus at the timing of the operation.

  According to the automatic transaction apparatus of the present invention, the automatic transaction apparatus includes an automatic transaction apparatus that operates by operating the first display operation unit, and an operation terminal device that operates by operating the second display operation unit, and the automatic transaction The device is arranged in the vicinity of the inner side of the row counter, and the operation terminal device is arranged in the vicinity of the outer side of the row counter so that the display contents of the first display operation unit and the display contents of the second display operation unit are the same. An automatic transaction system comprising display means for displaying, wherein a clerk operates the first display operation unit based on a customer request, and the customer can confirm the operation content of the first display operation unit by the second display operation unit In this case, since the operation screen is not displayed on the automatic transaction device at the timing when the customer operates with the operation terminal device, it is possible to reliably prevent the snooping of confidential information to bankers and third parties. be able to.

It is a block diagram of the automatic transaction system of Example 1. FIG. It is explanatory drawing of the software configuration of the automatic transaction system of Example 1. FIG. It is an arrangement plan of each composition of an automatic transaction system of Example 1. It is an operation | movement flowchart figure of the automatic transaction apparatus of Example 1, and an operation terminal device. It is an example of the operation screen of the automatic transaction apparatus and operation terminal device of Example 1.

  Embodiments of the present invention will be described below with reference to the drawings. In addition, the same code | symbol is attached | subjected to the element common to drawing.

(Constitution)
FIG. 1 is a configuration diagram of the automatic transaction system according to the first embodiment. As shown in the figure, the automatic transaction system has a configuration in which an automatic transaction apparatus 1 and an operation terminal apparatus 10 are connected via a network 15. The operation terminal device 10 has a configuration in which a display 12 with a touch panel function and a numeric keypad 13 are connected to the operation terminal control unit 11.

  The automatic transaction apparatus 1 includes a coin deposit / withdrawal port 2, a banknote deposit / withdrawal port 3, an operation unit 4 including a transparent touch panel and an LCD, a passbook insertion port 5, and a card insertion port 6.

  The banknote deposit / withdrawal port 3 is an opening through which banknotes are inserted and discharged. The bill deposit / withdrawal port 3 is provided with a shutter, and the bill deposit / withdrawal port 3 is opened and closed by driving the shutter.

  When a transaction is performed using a card, the card insertion slot 6 is inserted from here and discharged from here when the transaction ends. The passbook insertion slot 5 is used to insert a passbook used in the transaction from here, and is discharged from here when the transaction ends. The coin deposit / withdrawal port 2 is an opening through which coins are inserted or discharged.

  The banknote deposit / withdrawal port 3 is a portion where a deposited banknote is inserted and a dispensed banknote is discharged, and a banknote processing unit for performing banknote depositing / withdrawing processing is provided in the back of the banknote depositing / withdrawing port 3. Yes. The card insertion slot 6 is a portion into which a card is inserted or ejected, and a card processing section (not shown) is provided in the back thereof.

  The coin deposit / withdrawal port 2 is a portion where deposited coins are inserted and dispensed coins are discharged, and a coin processing unit for performing deposit / withdrawal processing of coins is provided in the back thereof. ing. The passbook insertion outlet 5 is a portion into which the passbook is inserted or discharged, and a passbook processing section (not shown) is provided in the back thereof. The operation unit 4 performs various inputs according to customer operations and displays operation guidance and the like.

  Next, the software configuration of the automatic transaction system according to the first embodiment will be described with reference to FIG. As shown in the figure, the automatic transaction apparatus 1 has an operating system (referred to as “OS”), for example, an OS (1c) such as Windows (“Windows” is a trademark or registered trademark of Microsoft Corporation, USA), A transaction business application 1a that operates on the OS (1c) and a screen sharing driver 1b that functions as a server that provides an image to be displayed on the operation unit 4 to the display 12 of the operation terminal device 10 are mounted.

  On the other hand, the operation terminal control unit 11 of the operation terminal device 10 similarly displays on the display 12 an image provided from the OS (11b) such as Windows and the screen sharing driver 1b of the automatic transaction apparatus 1 operating on the OS. A screen sharing driver 11b that functions as a viewer to display is installed.

  As described above, by installing the screen sharing drivers 1b and 11a in both the automatic transaction apparatus 1 and the operation terminal apparatus 10, the transaction screen displayed on the automatic transaction apparatus 1 is also displayed on the display 12 on the operation terminal apparatus 10 side. Similarly, it is displayed and can be operated from the touch panel of the display 12 of the operation terminal device 10 or the numeric keypad 13.

  FIG. 3 is a layout diagram of the automatic transaction system according to the first embodiment. Usually, the automatic transaction apparatus 1 installed in the ATM corner is installed in the row counter 40 of the sales office. The operation terminal control unit 11, the display 12, and the numeric keypad unit 13 of the operation terminal device 10 are arranged on the low counter 40 so that the customer can operate them. Of course, the operation terminal control unit 11 may be arranged below the low counter 40 so that the customer cannot operate it.

(Operation)
With the above configuration, the automatic transaction system according to the first embodiment operates as follows. The detailed operation will be described below with reference to the operation flowchart of FIG. 4 and the operation screen example of FIG. Note that the right side of the operation screen example of FIG. 5 is a screen displayed on the operation screen of the operation unit 4 of the automatic transaction apparatus, and the left side is the content displayed on the display 12 of the operation terminal device 10.

  First, the customer 30 who has visited the store communicates the transaction he / she wishes to use to the employee 20 by oral or note paper (step S01), and the employee 20 performs the transaction operation the customer 30 wishes to use in the automatic transaction apparatus 1 in the row counter 40. (Step S02). At this time, the customer 30 confirms the screen displayed on the automatic transaction apparatus 1 on the display 12 of the operation terminal apparatus 10 (step S03). The screen of the operation terminal device 10 at this time is the screen G01, and the screen of the automatic transaction device 1 is the screen G11.

  Then, when the customer 30 passes a medium such as a card, a passbook, or cash brought to the bank employee 20 in accordance with the transaction (step 4), the bank employee 20 performs an operation of the transaction that the customer 30 wants to use in the row counter 40. The automatic transaction apparatus 1 is used (step S05). At this time, the customer 30 confirms the screen of the automatic transaction apparatus 1 on the display 12 (step S06). The screen of the operating terminal device 10 at this time is the screen G02, and the screen of the automatic transaction device 1 is the screen G12.

  Because the information has confidentiality, it is necessary for the customer 30 to input information such as a personal identification number by using the touch panel of the display 12 or the numeric keypad unit 13. Therefore, the touch panel of the numeric keypad 13 and the display 12 is used. The user is prompted to make the input (step S07).

  Then, the customer 30 confirms the screen of the automatic transaction apparatus 1 on the display 12 (step S08), and inputs a personal identification number using the touch panel of the display 12 or the numeric keypad 13 (step S09). The screen of the operating terminal device 10 at this time is the screen G03, the screen of the automatic transaction apparatus 1 is the screen G13, and the numeric keypad 50 for inputting the personal identification number is not displayed on the screen G13 of the automatic transaction apparatus 1.

  In addition, on the screen of the automatic transaction apparatus 1, a password number input screen with a numeric keypad is first displayed as in the screen G03, and when the customer 30 starts input from the numeric keypad 50, the password key number input screen displays the numeric keypad. May be deleted.

  Then, after the input of the password is completed, an amount input screen is displayed and the customer 30 inputs a desired amount (step S09a). The screen of the operation terminal device 10 at this time is the screen G04, and the screen of the automatic transaction device 1 is the screen G14.

  When the transaction desired by the customer is completed, the clerk 20 prompts the customer 30 to confirm the transaction result (step S10). Then, the customer 30 confirms the screen of the automatic transaction apparatus 1 on the display 12 (step S11). In addition, as shown with the broken line, you may make it perform confirmation operation using the confirmation button etc. of the numeric keypad part 13 (step S11a).

  And the bank employee 20 returns the bankbook, the card, etc. which were kept from the customer 30 in step S04 (step S12), and complete | finishes this transaction. At this time, when a withdrawal transaction is performed, the bank employee 20 hands over the banknotes and the like withdrawn from the automatic transaction apparatus 1 to the customer 30, and the customer 30 receives them to end the transaction.

  In the above description of the embodiment, the relevance to the input screen such as the personal identification number of the automatic transaction apparatus arranged in the normal ATM corner has not been described, but the screen display process in step S09 is normally performed. If it is incorporated in the business application software of an automatic transaction device, the automatic transaction device installed in the ATM corner and the automatic transaction device in the counter can share the screen control program, and the business application software must be changed. It can also be used as an automatic transaction device within a counter.

  For example, if the control program for controlling the input of the personal identification number on the operation terminal device 10 recognizes that the numeric keypad driver has operated during the input of the personal identification number and notifies the automatic transaction device from the operation terminal device, When there is no terminal device, the notification does not occur, so the password input screen remains displayed as usual, and if connected, the notification is generated when the password is input by the operation terminal device. , The password entry screen is cleared.

  In addition, if the control program for controlling the password input recognizes that the numeric key driver has been operated during the password input and deletes the password input screen, the numeric keypad 13 is connected to the automatic transaction apparatus 1. Even in such a case, the ten key driver is operated by the operation of the ten key unit 13 and the password input screen is deleted.

(Effect of Example 1)
As described in detail above, according to the automatic transaction system of the first embodiment, an automatic transaction apparatus operated by a bank clerk is disposed in a low counter, an operation terminal apparatus operated by a customer is disposed on the customer side, and the operation terminal apparatus In the automatic transaction apparatus in which the display contents of the operation unit of the automatic transaction apparatus are displayed in the same manner, and a bank clerk operates the automatic transaction apparatus and the customer can confirm the operation, the customer has confidential information by the operation terminal apparatus. Since the input screen of the operation terminal device is not displayed at the time of input, it is possible to reliably prevent the voyeurism of information having customer confidentiality to a bank clerk or a third party.

  As described above, the present invention can be widely used in an automatic transaction system that performs transactions using an automatic transaction apparatus installed in a store such as a financial institution.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 1b, 11a Screen sharing driver 4 Operation part 10 Operation terminal apparatus 11 Operation terminal control part 12 Display 13 Numeric keypad part 15 Network 20 Staff 30 Customer 40 Low counter G03, G13 Security code input screen

Claims (2)

In an automatic transaction apparatus provided with a second display operation unit capable of communicating with an operation terminal having a first display operation unit for displaying a screen operated by a customer and displaying a screen similar to the screen,
The first display operation unit displays a numeric keypad,
An automatic transaction apparatus , wherein the customer does not display a numeric keypad on the second display operation unit when the customer inputs a password from the first display operation unit . Automatic transaction apparatus according to claim 1, wherein the sequence of said ten-key, characterized in that the displayed randomly.

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