JP6503879B2 - Trading device - Google Patents

Description

  The present invention relates to a transaction apparatus, and can be applied to, for example, a transaction apparatus such as an ATM (Automatic Teller Machine) installed in a financial institution or the like.

  Generally, when conducting a transaction in an automatic transaction apparatus such as an ATM, the ATM displays a selection screen (see FIG. 2) for selecting a transaction type on the display unit, and the customer makes a transaction desired by the customer through the selection screen. select. The ATM sequentially displays on the display unit a guidance screen according to the procedure of the transaction desired by the customer, and performs the transaction based on the information input by the customer.

  However, when, for example, a customer who has difficulty reading text performs a transaction, a key operation may be difficult and the transaction may not be performed. In such a case, there is a technology for displaying a screen including an illustration, an animation, etc. or displaying a screen using a searchlight etc., in order to enable the customer operation to be easily performed (Patent Document 1) And 2).

Japanese Patent Application Publication No. 2007-34480 Patent Document 1: JP-A-2008-19815

  However, since the initial transaction start screen displayed on the display unit of the ATM generally includes characters, illiterate customers who have difficulty reading characters can not understand the transaction start screen, and the transaction operation A difficult situation can occur.

  Therefore, there is a need for a trading device that can intuitively understand the initial trading operation of the trading device even for illiterate customers and that the literacy customer can manipulate the desired type of transaction. .

In order to solve such problems, the transaction apparatus according to the first aspect of the present invention comprises (1) an operation display unit, and (2) an operation procedure for illiterate persons operable by an illiteracy person for each transaction type. The control unit displays on the operation display unit a transaction selection screen represented by information that can be intuitively recognized , and (3) a cash deposit and withdrawal unit that inputs or discharges cash, and the control unit The control unit includes a display screen control unit that displays an illiteracy-related operation screen including an operation procedure of an operable transaction on the operation display unit, and an illiteracy-enabled transaction processing unit that performs transaction processing for illiteracy persons. When displaying the illiteracy-based operation screen on the operation display unit, it is characterized in that the opening and closing body of the cash deposit and withdrawal unit is opened .
The transaction apparatus according to the second aspect of the present invention comprises: (1) an operation display unit, and (2) information that can intuitively recognize an operation procedure for an illiteracy person who can operate by an illiteracy person for each transaction type. A control unit for displaying the displayed transaction selection screen on the operation display unit, and (3) a cash deposit or withdrawal unit for inserting or discharging cash, and the control unit is an operation procedure of a transaction operable by an illiteracy person A display screen control unit that displays an illiteracy operation screen including an operation display on the operation display unit, and an illiteracy transaction processing unit that performs transaction processing for an illiteracy person, and the illiteracy operation screen is a withdrawal transaction The illiteracy-related withdrawal operation screen representing the operation procedure of is included, and the illiteracy-related transaction processing unit displays the illiteracy-related operation screen, and then the withdrawal procedure operation procedure is performed through the illiteracy-related withdrawal operation screen. It is characterized by performing payment processing by transaction operation.

  According to the present invention, even the illiterate customer can intuitively understand the initial transaction operation of the transaction apparatus, and the literacy customer can manipulate the type of transaction desired.

It is a block diagram which shows the structure of the control system of ATM1 which concerns on 1st Embodiment. It is a screen figure which shows an example of the selection screen which selects the conventional transaction kind. It is an appearance perspective view showing the appearance composition of ATM concerning a 1st embodiment. It is a flowchart which shows the illiteracy corresponding | compatible process in ATM which concerns on 1st Embodiment. It is a screen figure which shows an example of the transaction start screen which concerns on 1st Embodiment. It is a screen figure showing the example of the operation screen corresponding to illiteracy concerning a 1st embodiment. It is an enlarged view of the illiteracy-adaptive payment | withdrawal operation screen which concerns on 1st Embodiment. It is a screen figure which shows an example of the cash receipt screen which represented the taking out method of the cash | money which concerns on 1st Embodiment. It is a block diagram which shows the structure of the control system of ATM which concerns on 2nd Embodiment. It is a flowchart which shows the illiteracy corresponding | compatible process in ATM which concerns on 2nd Embodiment. It is a screen figure which shows an example of the operation screen which concerns on 2nd Embodiment. It is a screen figure which shows an example of the selection screen which concerns on 2nd Embodiment.

(A) First Embodiment Hereinafter, a first embodiment of a transaction apparatus according to the present invention will be described in detail with reference to the drawings.

  The ability to read and write letters is called literacy, and the literate is called literate. In addition, it is called illiteracy that it is difficult to read and write letters, and the illiteracy person is called illiterate.

(A-1) Configuration of the First Embodiment FIG. 3 is an external perspective view showing the exterior configuration of the ATM 1 according to the first embodiment. In FIG. 3, the ATM 1 according to the first embodiment has an operation display unit 11, a bill depositing / dispensing port 12, a coin depositing / dispensing port 13, a passbook entry / exit 14, a card entry / exit 15, and a statement slip outlet 16.

  The ATM 1 is installed at, for example, a financial institution, an airport, a station, a convenience store, etc., and performs various transaction processing. At the time of conducting various transactions, the ATM 1 requests the customer to insert a medium such as a passbook or card as required, and the customer information is taken from the magnetic stripe attached to the medium such as a bankbook or card inserted by the customer. The customer information is used to carry out transaction processing such as cash (bills and coins) deposit transactions and withdrawal transactions. In addition, the ATM 1 writes transaction information to the medium and discharges a statement slip, as necessary.

  The operation display unit 11 is operated by a customer who carries out a transaction, or displays information related to the transaction, a confirmation screen of the input information, and the like. The operation display unit 11 displays, for example, a selection menu screen of transaction types, an operation screen of each transaction type, a confirmation screen of transaction contents, and the like. The operation display unit 11 can apply, for example, a touch panel operation display unit. The operation display unit 11 is not limited to the touch panel system in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different configurations.

  The bill receiving / dispensing port 12 is for taking in a bill inserted by a customer or discharging a bill to be dispensed. The bill receiving / dispensing port 12 has, for example, an opening / closing body (for example, a shutter) and a storage portion (bucket) for storing a bill, and the shutter is opened when the bill is inserted or discharged. Insert or discharge banknotes.

  The coin receiving / dispensing port 13 is for taking in the coin inserted by the customer or discharging the coin to be dispensed. Similarly to the bill receiving and dispensing port 12, a bucket type can be applied to the coin depositing and dispensing port 13.

  In addition, the banknote deposit and withdrawal opening 12 and the coin deposit and withdrawal opening 13 are included in a cash deposit and withdrawal unit which inserts or discharges cash.

  The passbook entrance 14 is for taking in the passbook inserted by the customer or for discharging the passbook.

  The card slot 15 takes in a card (for example, a cash card) inserted by a customer or ejects a card.

  The statement slip discharge port 16 discharges a statement slip printed with information relating to the transaction after the end of the transaction.

  FIG. 1 is a configuration diagram showing a configuration of a control system of the ATM 1 according to the first embodiment. In FIG. 1, the ATM 1 according to the first embodiment includes a control unit 20, a storage unit 21, an operation display control unit 22, a passbook drive mechanism unit 23, a card drive mechanism unit 24, a bill drive mechanism unit 25, and a coin drive mechanism unit. 26, a statement slip printing unit 27 and a communication unit 28.

  The control unit 20 is responsible for various functions performed by the ATM 1. For example, the control unit 20 controls various transaction processes in the ATM 1 and controls display of a screen displayed on the operation display unit 11 of the ATM 1. The control unit 20 realizes various functions of the ATM 1 by, for example, the CPU executing a processing program stored in the ROM. Various functions may be constructed by installing a processing program, and in this case, the processing program can be shown as a functional block illustrated in FIG.

  As shown in FIG. 1, the control unit 20 includes an illiteracy detection unit 201, an illiteracy correspondence processing unit 202, and a literacy correspondence processing unit 203.

  The illiteracy detection unit 201 detects whether the customer is literacy or illiteracy based on card information stored in a card (for example, a cash card, a credit card) inserted in the card slot 15. .

  Here, the illiteracy detection unit 201 transmits, for example, the acquired card information to the financial institution host server, performs user verification, and acquires the literacy determination information of the customer from the financial institution host server. Then, the illiteracy detection unit 201 may apply a method of detecting whether or not it is illiteracy based on the acquired literacy information.

  Further, for example, the literacy information may be included in the card information stored in the card. For example, it can be 1-bit bit information or the like, and the illiteracy detection unit 201 detects the literacy information contained in the card information to determine literacy or illiteracy. Note that the literacy status information may include 1-bit information as a flag only in the case of illiteracy.

  The illiteracy response processing unit 202 processes various transactions when the illiteracy detection unit 201 detects illiteracy. The illiteracy response processing unit 202 displays, for example, an intuitive display screen for the customer on the operation display unit 11, selects a transaction type by the customer operation, performs transaction operation (input information) required for each transaction, etc. It is a thing. As shown in FIG. 1, the illiteracy response processing unit 202 has a display screen control unit 31 and an illiteracy correspondence transaction processing unit 32.

  The display screen control unit 31 controls to display on the operation display unit 11 a screen that can be intuitively recognized by the customer. The display screen corresponding to illiteracy is, for example, configured of a still image or a moving image including an illustration, an animation, and the like.

  More specifically, when the display screen control unit 31 detects an illicit character by the illicit character detection unit 201, a transaction including an image (still image, moving image) for imaging the kind of transaction that can be executed on the ATM 1 Display the selection screen. For example, in the case of a withdrawal transaction, it may be an image that images cash to be discharged, or in the case of a deposit transaction, it may be an image that images that cash is inserted. Further, for example, in the case of a transfer transaction, it may be an image in which the cash deposited by the own (transfer source) is delivered to the other party (transfer destination). In addition, it is possible to widely apply an image that images various transactions, including transactions such as balance inquiry and passbook entry.

  Further, the display screen control unit 31 causes the operation display unit 11 to display a display screen of the content that allows the customer to intuitively visualize the procedure of the selected transaction type. The display screen control unit 31 may provide the operation display control unit 22 with the operation screen data for illiteracy, which is stored in advance in the storage unit 21 for each transaction type, and may display the operation display unit 11 on the operation display unit 11. Alternatively, at the time of detection of illiteracy, operation screen data for illiteracy may be acquired and displayed on the operation display unit 11 through a management server or the like provided in a financial transaction host server or a financial institution.

  The illiteracy-enabled transaction processing unit 32 performs transaction processing by acquiring input information of the selected transaction type through the illiteracy operation screen displayed on the operation display unit 11.

  The literacy processing unit 203 carries out a literacy transaction process. The literacy correspondence processing unit 203 performs transaction processing when it is not detected as illiteracy by the illiteracy detection unit 201 (that is, when it is detected as literacy). The literacy correspondence processing unit 203 can apply an existing normal transaction process.

  The storage unit 21 stores a processing program executed by the control unit 20, display screen information displayed on the operation display unit 11, transaction information, information acquired in the case of a transaction, and the like.

  The operation display control unit 22 controls the display operation and the input operation of the display screen displayed on the operation display unit 11 under the control of the control unit 20. That is, based on the operation screen data from the control unit 20, the operation display control unit 22 causes the operation display unit 11 to display a screen or gives information input from the operation display unit 11 to the control unit 20. It is.

  The passbook drive mechanism 23 takes in or discharges a passbook from the passbook entry / exit 14 under the control of the control unit 20. Further, the passbook drive mechanism unit 23 reads passbook information stored in a magnetic stripe of a passbook, an IC chip or the like inserted from the passbook entry / exit port 14, and supplies the passbook information to the control unit 20. In addition, the passbook driving mechanism unit 23 writes and discharges the transaction contents into the passbook.

  The card drive mechanism unit 24 takes in or discharges a card from the card inlet / outlet 15 under the control of the control unit 20. Further, the card drive mechanism unit 24 reads card information stored in a magnetic stripe of a cash card, an IC chip or the like inserted from the card entrance 15 and gives the card information to the control unit 20. The card drive mechanism unit 24 provides the control unit 20 with the read card information including the literacy information.

  The bill driving mechanism unit 25 is, under the control of the control unit 20, an opening / closing operation of the shutter of the bill receiving / dispensing port 12, a bill insertion / discharge mechanism for sucking or discharging the inserted bill, a transport mechanism for transporting the bill, etc. Control.

  The coin drive mechanism unit 26 is an operation of opening / closing the shutter of the coin receiving / dispensing port 13 under the control of the control unit 20, a coin insertion / discharge mechanism for taking in or discharging the inserted coin, a transport mechanism for transporting coins, etc. Control.

  The statement slip printing unit 27 prints transaction information on a medium (detail statement slip) under the control of the control unit 20 and discharges the statement slip to the statement slip outlet 16.

  The communication unit 28 exchanges information with a financial institution host server or the like through a communication line. Here, the communication unit 28 is, for example, information (for example, financial institution name, financial institution code, branch name, etc.) for specifying a place where the ATM 1 is installed when exchanging transaction information with the financial institution host server. Information including information such as branch code and the like, customer information, and information indicating the contents of transaction may be notified. The information notified to the financial institution host server is not limited to the information exemplified above.

(A-2) Operation of the First Embodiment Next, the operation of the illicit response process in the ATM 1 according to the first embodiment will be described in detail with reference to the drawings.

  FIG. 4 is a flowchart showing the illiteracy response process in the ATM 1 according to the first embodiment.

  First, a card insertion screen is displayed on the operation display unit 11 of the ATM 1 as a transaction start screen (S101).

  FIG. 5 is a screen view showing an example of the transaction start screen according to the first embodiment. The transaction start screen 510 illustrated in FIG. 5 is a screen on which an illustration, an animation, or the like representing an operation of inserting a card is largely displayed.

  The transaction start screen 510 may be a still image or a moving image. As described above, by making the transaction start screen displayed on the operation display unit 11 of the ATM 1 into a still image and a moving image of card insertion, the card insertion is urged to the customer who intends to use the ATM 1 as an initial process. Can.

  When a customer inserts a card into the card slot 15 (S102), the card drive mechanism 24 reads card information, and the read card information is notified to the control unit 20. The control unit 20 performs user verification based on the acquired card information, and determines whether the illiteracy detection unit 201 is illiteracy (S103).

  When the literacy detection unit 201 detects that the literacy is detected, the literacy processing unit 203 operates the same transaction function as the conventional one as the transaction process corresponding to literacy (S104). Since the literacy-enabled transaction process is the same as the conventional transaction function, the detailed description is omitted here. For example, as in the conventional case, a transaction start screen 500 illustrated in FIG. 2 is displayed on the operation display unit 11, and thereafter, a desired transaction type is selected by a customer operation. That is, the initial screen of the operation display unit 11 of the ATM 1 is a screen showing card insertion illustrated in FIG. 5 by an illustration, animation or the like, and when it is determined that it is literacy thereafter, the existing transaction type selection screen is displayed. It is displayed on the operation display unit 11.

  On the other hand, when the illiteracy detection unit 201 detects an illiteracy, the illiteracy processing unit 202 starts a process for illiteracy. At this time, the illicit characters handling processing unit 202 limits the transaction function to only payment (transaction) and withdrawal (transaction) (S105). Then, at the same time the operation screen corresponding to the illiteracy is displayed on the operation display unit 11, the opening / closing body of the bill depositing / dispensing port 12 and the coin depositing / dispensing port 13 is opened (S106).

  FIG. 6 is a screen view showing an example of an illicit-aware operation screen according to the first embodiment. As shown in FIG. 6, the illiteracy-enabled operation screen 520 is an illiteracy-enabled deposit operation screen 521 showing deposits as an illustration or animation, etc., and the illiteracy-based withdrawal operation with withdrawals shown as an illustration or animation, etc. It is a screen including screens 522-526.

  That is, the operation screen 520 does not allow the customer to select payment or withdrawal, but has a plurality of screen areas on one screen, and the transaction operation of deposit and withdrawal is intuitive by illustration, animation, etc. It is a screen that you can understand.

  Further, in FIG. 6, in the operation screen 520, the screen area on the left side is a non-literacy-adaptable payment operation screen 521, and the screen area on the right side is a non-literacy-related withdrawal operation screen 522.

  The illiteracy-adaptive payment operation screen 521 is an illustration, animation, or the like representing a method of inserting cash into the bill receiving / dispensing port 12. In addition, by simultaneously opening and closing the bill deposit / withdrawal port 12 and the coin deposit / withdrawal port 13 simultaneously with the display of the operation screen 520 of FIG. 6, the customer needs not only visual understanding through the operation screen but also necessary for deposit. The cash insertion operation can be intuitively understood.

  FIG. 7 is an enlarged view of a literacy-designated payout operation screen 522 to 526 according to the first embodiment. As shown in FIG. 7, the illiteracy-related withdrawal operation screens 522 to 526 are a guidance screen 522 showing the selection operation of the withdrawal amount by an illustration, animation, etc., and, for example, 10,000 yen ticket, 5,000 yen ticket, 1,000 yen It includes a cash selection button 523 to 525 for displaying money symbols such as tickets on the screen and selecting money to be dispensed, and a total withdrawal amount display unit 526 for displaying the total withdrawal amount.

  The total payout amount display unit 526 includes an “o” button 526 a as a button for determining the payout amount, and an “x” button 526 b for resetting the payout amount. When the "x" button 526b is selected, the total withdrawal amount is reset, and it becomes possible to select the withdrawal amount again.

  In S107, a sensor (not shown) provided at the bill depositing / dispensing port 12 or the coin depositing / dispensing port 13 detects the presence or absence of cash. And if cash is detected, a payment transaction will be carried out (S108). Thereafter, when the deposit process is completed, the card is finally returned (S109), and the deposit transaction is completed.

  On the other hand, when cash is not detected and cash selection buttons 523 to 525 are operated in the illiteracy-related withdrawal operation screens 522 to 526 and the "○" button 526a of the total withdrawal amount display portion 526 is selected (S110) , The open / close body is closed, and a withdrawal transaction is carried out (S111).

  At this time, for example, in the illiteracy-related withdrawal operation screens 522 to 526, a universal ticket selection button 525 including a drawing of a 10,000 yen ticket, a 5,000 yen ticket selection button 524 including a drawing of a 5,000 yen ticket, a 1,000 yen ticket The 1000 yen ticket selection button 523 including the pictorial drawing of is selected, and the total withdrawal amount is determined based on the number of times the cash selection buttons 523 to 525 are pressed.

  For example, in FIG. 7, when the 1000 yen ticket selection button 523 is pressed twice and the five thousand yen ticket selection button 524 is pressed once, (1000 yen) × 2 + (5000 yen) × 1 = 7000 yen is the sum. It becomes the amount of money.

  In addition, below the cash selection buttons 523 to 525 in FIG. 7, there is a total payout amount display unit 526 that displays the total payout amount as a pictorial diagram of the bill. In the total payout amount display portion 526, an "O" button 526a and an "x" button 526b are displayed next to the figure of the bill of the total payout amount. When the total payout amount is determined, the "O" button 526a It is possible to withdraw money by being pressed. On the other hand, when the "x" button 526b is pressed, the total withdrawal amount is reset, and the withdrawal amount can be selected again.

  FIG. 8 is a screen diagram showing an example of a cash receipt screen representing a method of taking out the cash dispensed according to the first embodiment.

  When the dispensing process is completed and the cash to be dispensed is discharged to the bill receiving / dispensing port 12 or the coin receiving / dispensing port 13, a cash receipt screen 530 illustrated in FIG. 8 is displayed on the operation display unit 11. This cash receipt screen 530 takes out money from the bill depositing / dispensing port 12 or the coin depositing / dispensing port 13 and then displays a large illustration / animation of the contents for receiving the card. The customer who has seen this screen takes out money from the bill receiving / dispensing port 12 or the coin receiving / dispensing port 13, finally returns the card (S109), and the withdrawal transaction is completed.

  In S110, even if a predetermined time has passed, the presence or absence of cash is not detected in the bill depositing / dispensing port 12 or the coin depositing / dispensing port 13 and the cash selection button 523-525 is not pressed, the transaction is ended. Do. At this time, voice guidance may be output again to request re-doing of the transaction (S112).

(A-3) Effects of the First Embodiment As described above, according to the first embodiment, the card information is collated at the time of the transaction by adding the information of the literacy possibility at the time of cash card issuance, and the literacy possibility It is possible to determine the information and switch the operation screen suitable for each customer. Thereby, it is possible to carry out transactions corresponding to both literacy and illiteracy customers in one ATM.

(B) Second Embodiment Next, a second embodiment of the transaction apparatus according to the present invention will be described in detail with reference to the drawings.

(B-1) Configuration of Second Embodiment As the appearance configuration of the second embodiment, one that is the same as or corresponds to the configuration described in the first embodiment can be applied. Therefore, the second embodiment will be described with reference to FIG. 2 according to the first embodiment.

  FIG. 9 is a configuration diagram showing a configuration of a control system of the ATM 1 according to the second embodiment. In FIG. 2, the ATM 1 according to the first embodiment includes a control unit 20, a storage unit 21, an operation display control unit 22, a passbook drive mechanism unit 23, a card drive mechanism unit 24, a bill drive mechanism unit 25, and a coin drive mechanism unit 26, a statement slip printing unit 27 and a communication unit 28.

  The second embodiment is different from the first embodiment in that the control unit 20 does not include the illicit detection unit 201. The other configuration is the same as that of the first embodiment.

(B-2) Operation of Second Embodiment FIG. 10 is a flow chart showing illiteracy treatment processing in the ATM 1 according to the second embodiment.

  First, a card insertion screen is displayed on the operation display unit 11 of the ATM 1 as a transaction start screen (S201). As in the first embodiment, a transaction start screen 510 illustrated in FIG. 5 is displayed on the operation display unit 11 as the initial transaction start screen.

  When a card is inserted into the card slot 15 (S202), the operation screen is displayed on the operation display unit 11, and at the same time, the opening / closing body of the bill depositing / dispensing port 12 and the coin depositing / dispensing port 13 is opened (S203) .

  FIG. 11 is a screen view showing an example of the operation screen according to the second embodiment. As shown in FIG. 11, the operation screen 540 includes an illiteracy payment operation screen 521 showing payment by illustration and animation, and an illiteracy payment operation screen 522-526 showing withdrawals by illustration and animation. And a transaction button 527 other than that.

  That is, in addition to the operation screen 520 of FIG. 6 according to the first embodiment, the operation screen 540 is a transaction in which a guidance such as “here in the case of performing other transactions” is described It has a button 527.

  The operation screen 540 includes an illiteracy-adaptive payment operation screen 521 and a literacy-characteristic payment operation screen 522-526. These receipt and withdrawal operation screens can understand not only illiterate customers but, of course, literate customers. Therefore, when the customer pays in and withdraws money, it is possible to leave it to the transaction operation using the illicit character correspondent deposit operation screen 521 and the illicit character correspondable deposit operation screen 522-526. On the other hand, if the literacy client carries out another transaction that can be carried out at the ATM 1, it can be carried out by the customer selecting the transaction button 527.

  That is, a sensor (not shown) provided at the bill depositing / dispensing port 12 or the coin depositing / dispensing port 13 detects the presence or absence of cash (S204). And if cash is detected, a payment transaction will be carried out like a 1st embodiment (S205). Thereafter, when the deposit process is completed, the card is finally returned (S206), and the deposit transaction is completed.

  On the other hand, when cash is not detected (S204) and the cash selection buttons 523 to 525 are operated on the illicit-characteristic payment operation screens 522 to 526, and the "」 "button 526a of the total payment amount display portion 526 is selected (S207), the open / close body is closed, and a dispensing transaction is performed (S208). At this time, the cash receipt screen of FIG. 8 may be displayed on the operation display unit 11 as in the first embodiment.

  Furthermore, in the operation screen 540 of FIG. 11, when the “transaction” button 527 is pressed by the customer who desires a transaction other than deposit and withdrawal (S 209), transaction selection other than deposit and withdrawal (payment and withdrawal) The selection screen is displayed on the operation display unit 11 (S210).

  FIG. 12 is a screen view showing an example of a selection screen according to the second embodiment. As shown in FIG. 12, the basic configuration of the selection screen 550 is the same as that of the conventional selection screen of FIG. 2, but among the selectable transaction types, the deposit transaction (the "withdrawal" button in FIG. Do not include the deposit button.

  When a desired transaction is selected from the selection screen of FIG. 12 by the customer operation, a transaction other than deposit and withdrawal (payment and withdrawal) is carried out (S211). Then, when the transaction is completed, the card is returned (S206), and the transaction is completed.

  In S209, after a predetermined time has elapsed, voice guidance for requesting re-doing of the transaction is output again (S212).

(B-3) Effects of the Second Embodiment As described above, according to the second embodiment, the character-description transaction button is displayed at the end of the transaction screen centering on illustration and animation for illiterate customers. The illiteracy customers can proceed with payment and withdrawal transactions by illustration and animation. In addition to this, a literacy customer can switch to a literacy customer screen by selecting a letter transaction button, and can conduct transactions other than depositing and withdrawal. This makes it possible to trade both literacy and non-literacy customers with one ATM.

(C) Other Embodiments Although various modified embodiments are mentioned in the first and second embodiments described above, the present invention can also be applied to the following modified embodiments.

  (C-1) In the first and second embodiments described above, the case where the transaction apparatus according to the present invention is applied to ATM is exemplified, but the transaction apparatus according to the present invention is not limited to ATM . For example, in the present invention, the operation screen may be represented by an illustration, an animation, or the like so that the operation of the business system or the application can be coped with even by a literate or illiteracy person. Further, for example, the present invention can be applied to an automated device that handles cash, such as a ticket vending machine or a currency exchange machine.

  (C-2) The first embodiment described above exemplifies the case where the operation screen is switched by judging whether or not the customer is illiteracy based on the literacy information included in the card information. However, for example, a button that can be selected by an illiterate customer may be provided in part of the operation unit of the ATM, and the illiteracy-enabled operation screen may be displayed by pressing this button.

  (C-3) In the first and second embodiments described above, the illicit character correspondent deposit operation screen and the illicit character correspondent withdrawal corresponding screen are an example, and are limited to the layouts of the screens shown in FIGS. is not. If one screen has a plurality of screen areas and the operation screen for depositing and dispensing can be displayed on one screen, various layouts can be widely applied.

  (C-4) The second embodiment described above exemplifies the case where the illicit character is not detected based on the literacy information based on the card information. However, even in the second embodiment, the illiteracy may be detected based on the literacy information of the card information, and in the case of illiteracy, an operation screen corresponding to illiteracy may be displayed.

  (C-5) In the first and second embodiments described above, in order to facilitate the explanation, the operation display unit is a representation of the operation screen for depositing and dispensing cash (especially banknotes) by an illustration, animation, etc. The case of displaying on was illustrated. However, it is also possible to display on the operation display unit an illustration expressed by an illustration or animation for guiding insertion or discharge of a passbook or a statement slip.

DESCRIPTION OF SYMBOLS 1 ... ATM, 11 ... Operation display part, 12 ... Banknote cash-receipt-and-disbursement port, 13 ... Coin cash-receipt-disbursement port, 14 ... Bankbook entrance / exit, 15 ... Card entrance / outlet, 16 ... Description vote entrance / outlet, 20 ... Control part, 201 ... Non-literacy detection unit, 202: non-literacy correspondence processing unit, 203: literacy correspondence processing unit, 31: display screen control unit, 32: non-literacy correspondence transaction processing unit, 21: storage unit, 22: operation display control unit, 23: Passbook drive mechanism, 24: card drive mechanism, 25: bill drive mechanism, 26: coin drive mechanism, 27: statement slip printing unit, 28: communication unit.

Claims (10)

Operation display section,
A control unit that displays on the operation display unit a transaction selection screen that displays, by means of information that can be intuitively recognized, an operation procedure for an illiteracy person who can operate an illiteracy person for each transaction type ;
With cash deposit and withdrawal department which inputs or discharges cash
Equipped with
The control unit
A display screen control unit for displaying on the operation display unit an illiteracy-enabled operation screen including an operation procedure of a transaction operable by an illiteracy person;
An illiteracy-ready transaction processing department that handles transactions for illiteracy
Have
The transaction apparatus , wherein the control unit causes the opening and closing member of the cash deposit and withdrawal unit to be in an open state when the illiteracy-based operation screen is displayed on the operation display unit . The display screen control unit displays the illiteracy-enabled operation screen on the operation display unit at the start of use of the transaction, and the illiteracy-enabled transaction processing unit performs an operation according to the illiteracy operation procedure The transaction apparatus according to claim 1, wherein the transaction processing of the corresponding transaction type is performed in accordance with. It has an illiteracy detection unit that detects illiteracy based on input information, and
Wherein, in response to said illiterate detector according a detection result, the transaction apparatus according to claim 1 or 2, characterized in that switching between any of illiterate corresponding operation screen or literacy corresponding operation screen.   The transaction apparatus according to claim 3, wherein the illiteracy detection unit detects whether or not the illiteracy person is an illiteracy person based on the literacy determination information included in the input card information. The illicit character correspondent transaction processing unit performs transaction processing corresponding to an illiteracy person by detecting insertion of cash or pressing of a withdrawal button through the illiteracy character corresponding operation screen . The trading device according to any one of 4 . The non-literacy character correspondence transaction processing unit, when displaying the illiteracy character correspondence operation screen, detects the insertion of cash into the cash deposit and withdrawal unit, and performs a payment process . The trading device described in. The transaction apparatus according to any one of claims 1 to 6 , wherein the illiteracy-based operation screen has a transaction button for switching to an operation screen to a transaction other than a transaction operable by the illiteracy person. Operation display section,
A control unit that displays on the operation display unit a transaction selection screen that displays, by means of information that can be intuitively recognized, an operation procedure for an illiteracy person who can operate an illiteracy person for each transaction type;
With cash deposit and withdrawal department which inputs or discharges cash
Equipped with
The control unit
A display screen control unit for displaying on the operation display unit an illiteracy-enabled operation screen including an operation procedure of a transaction operable by an illiteracy person;
An illiteracy-ready transaction processing department that handles transactions for illiteracy
Have
The illiteracy-based operation screen includes an illiteracy-based withdrawal operation screen indicating an operation procedure of withdrawal transaction,
After the display of the illiteracy-enabled operation processing screen, the illiteracy-enabled transaction processing unit performs withdrawal processing by transaction operation according to the operation procedure of withdrawal transaction through the illiteracy-enabled withdrawal operation screen.
A trading device characterized by The illiteracy-based withdrawal operation screen has a cash selection button for each denomination including a pictorial diagram of the cash denomination, and accepts the total withdrawal amount based on the number of times the cash selection button for each denomination is pressed. The transaction apparatus according to claim 8 , wherein the total amount of withdrawals is displayed. The transaction apparatus according to claim 8 or 9 , wherein the illiteracy-based operation screen has a transaction button for switching to an operation screen for a transaction other than a transaction operable by the illiteracy person.

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