JP6589347B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus, and more particularly to an automatic transaction apparatus that receives a transaction card owned by a customer and performs a transaction of cash.

  To perform cash transaction processing by operating an automatic transaction apparatus, a customer first applies a transaction card such as a cash card to the card of the automatic transaction apparatus in accordance with the operation guidance display displayed on the display unit of the automatic transaction apparatus. Insert the information into the insertion / discharge port and continue to input the PIN number and transaction amount. The automatic transaction apparatus performs a transaction process according to the operation, and after the transaction process is completed, the transaction card is discharged from the card insertion / eject port, and a statement indicating the transaction result is discharged (for example, see Patent Document 1). ). In addition, an automatic transaction apparatus discharges a banknote from a banknote depositing / withdrawing port, when a cash withdrawal process is performed.

  Also, as such an automatic transaction device, let the customer choose whether a statement slip is necessary or not, and if a statement slip is not necessary, only the transaction card is ejected from the card / detail slip handling port What has been proposed has been proposed (see, for example, Patent Document 2).

Japanese Patent Laid-Open No. 05-062052 JP 2001-134807 A

  In the automatic transaction apparatus as described above, although the card insertion outlet and the statement slip outlet are adjacent to each other, the banknote deposit / withdrawal port is provided at a position away from the card insertion outlet and the statement slip outlet. .

  Therefore, when a transaction card, statement slip, and banknote are simultaneously discharged from the banknote deposit / withdrawal port, card insertion / discharge port, and statement slip discharge port, the customer concentrates only on the bills discharged from the banknote deposit / withdrawal port. There was a risk of forgetting to take a transaction card.

  Then, in this invention, it aims at providing the automatic transaction apparatus which can prevent forgetting to take a transaction card.

The automatic transaction apparatus according to the present invention selects whether or not to insert a transaction card storing customer information, a display unit for displaying a transaction screen, and whether or not a statement slip representing a transaction result is necessary. A first display control unit that displays an image on the display unit; a first operation control unit that receives a statement slip selection operation for selecting whether the statement slip is necessary; and obtains necessity data indicating a selection result; captures inserted the transaction card insertion outlet, the said from the transaction card card access unit for reading the customer information, the transaction execution section for executing the transaction processing corresponding to the transaction indicated by the preparative引項th captured, And the card access unit inserts the transaction card together with the statement slip after the transaction is completed by the transaction processing when the necessity data indicates that the statement slip is necessary. It is discharged from the discharge port, wherein in a case where necessity data indicates that the itemized is unnecessary to discharge the transaction card before the transaction is completed from the insertion outlet.

  In the present invention, the user is allowed to select whether or not a statement slip representing the transaction result is necessary, and the user is prompted to insert a transaction card. Thereafter, one transaction item is selected from a plurality of transaction items. The transaction process corresponding to the transaction indicated by the transaction item is executed. At this time, if it is selected that the statement slip is necessary, the transaction card is discharged together with the statement slip after the transaction is completed by the transaction processing. On the other hand, when it is selected that the statement slip is unnecessary, the transaction card is discharged before the transaction is completed.

  Therefore, when it is selected that the statement slip is unnecessary, the transaction card is discharged at a time earlier than the time when the transaction is actually completed by the transaction processing. Therefore, compared with the case where the transaction card is discharged after the transaction is completed, the period during which the user can extract the transaction card becomes longer, so that it is possible to prevent forgetting to remove the transaction card.

It is a block diagram which shows the structure of ATM100 as an automatic transaction apparatus which concerns on this invention. It is a perspective view which shows the external appearance of ATM100. It is a flowchart which shows a transaction control routine. It is a flowchart which shows a transaction control routine. It is a flowchart which shows a transaction control routine. It is a figure which shows an example of the necessity selection image of a statement slip. It is a figure which shows an example of the input image of a PIN code. It is a figure which shows an example of a transaction item selection image. It is a flowchart which shows the 1st modification of a transaction control routine. It is a flowchart which shows the 1st modification of a transaction control routine. It is a flowchart which shows the 2nd modification of a transaction control routine. It is a flowchart which shows the 2nd modification of a transaction control routine. It is a figure which shows an example of the transaction item selection routine implemented just before step S1.

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

  FIG. 1 is a block diagram showing a configuration of an ATM (Automated Teller Machine) 100 as an example of an automatic transaction apparatus according to the present invention, and FIG. 2 is a perspective view showing an appearance of the ATM 100. The ATM 100 is installed at each branch of a financial institution, for example, and is connected to the center device of the financial institution.

  The proximity sensor 10 is a so-called human sensor that detects the presence of a person using infrared rays or ultrasonic waves, for example, and is provided on the front surface of the ATM 100 as shown in FIG. The proximity sensor 10 detects whether or not the user is present at a position where the user can operate the ATM 100, for example, at a position 50 cm away from the front surface of the ATM 100. The proximity sensor 10 supplies a logic level 1 proximity detection signal to the main control unit 11 when it is detected that the user is present at a position 50 cm away from the front surface of the ATM 100. On the other hand, when the proximity sensor 10 detects that the user does not exist at a position 50 cm away from the front surface of the ATM 100, the proximity sensor 10 supplies a proximity detection signal of logic level 0 to the main control unit 11. The state display unit 12 is provided on the front surface of the ATM 100 as shown in FIG. The status display unit 12 displays character information indicating the status of the apparatus indicated by the status signal supplied from the main control unit 11, for example, “handling” or “handling stop”. The transaction status display unit 13 is provided on the front surface of the ATM 100 as shown in FIG. The transaction status display unit 13 displays character information representing items of the transaction indicated by the transaction status signal supplied from the main control unit 11, for example, “passbook entry”, “payment”, or “withdrawal”.

  The operation display unit 14 is provided on the front surface of the ATM 100 as shown in FIG. The operation display unit 14 includes a display unit 14a and a touch panel 14b that covers the display surface of the display unit 14a. The display unit 14 a displays a transaction screen including various transaction items or messages for guiding the user's operation based on the operation guide display signal supplied from the main control unit 11. When the area corresponding to the transaction item displayed on the display unit 14a is pressed by the user, the touch panel 14b supplies an operation signal corresponding to the transaction item to the main control unit 11.

  The cash deposit / withdrawal mechanism 15 opens and closes the shutter of the cash deposit / exit 16 provided on the front surface of the ATM 100 in accordance with the opening / closing control signal supplied from the main control unit 11 as shown in FIG. In addition, the cash deposit / withdrawal mechanism 15 responds to the cash withdrawal signal supplied from the main control unit 11, and the amount indicated by the cash withdrawal signal from a cash storage (not shown) in which banknotes or coins are stored. The banknote or coin corresponding to the above is taken out and discharged to the cash inlet / outlet 16. Further, the cash deposit / withdrawal mechanism 15 takes in banknotes or coins inserted by the user into the cash deposit / exit 16 and stores them in the cash storage.

  As shown in FIG. 2, the bankbook entry machine 17 takes in a customer's bankbook when it is inserted into a bankbook insertion / extraction port 18 provided on the front surface of the ATM 100. At this time, the bankbook entry machine 17 writes the transaction contents indicated by the transaction result signal supplied from the main control unit 11 and the execution date and time of the transaction in the customer's bankbook. When the writing is completed, the bankbook bookkeeping machine 17 discharges the customer's bankbook from the bankbook insertion / discharge port 18.

  As shown in FIG. 2, when a customer transaction card is inserted into a card insertion outlet 20 provided on the front surface of the ATM 100, the card take-in / discharge mechanism 19 takes in the transaction card and supplies it to the card reader printer 21. To do. Further, when a discharge signal is supplied from the main control unit 11, the card take-in / discharge mechanism 19 discharges the transaction card taken in as described above from the card insertion / discharge port 20. The card take-in / discharge mechanism 19 receives the transaction card and the statement slip when a discharge signal is supplied from the main controller 11 after the statement slip is printed by the card reader printer 21 described below. The card is discharged from the card insertion / discharge port 20 in a stacked state.

  When a transaction card is supplied from the card take-out / discharge mechanism 19, the card reader printer 21 reads customer information from the transaction card and supplies customer data representing the read customer information to the main control unit 11. Further, the card reader printer 21 prints the transaction result represented by the transaction statement print signal on the statement slip sheet according to the transaction statement print signal supplied from the main control unit 11.

  When the proximity detection signal supplied from the proximity sensor 10 transitions from the logic level 0 to the logic level 1, that is, the main control unit 11 approaches the position where the user can operate the ATM 100, the main control unit 11 changes to FIG. The transaction control routine shown in FIG. 5 is executed.

  In FIG. 3, first, the main control unit 11 uses the operation display unit 14 to display a necessity slip selection image for allowing the user to select whether or not a statement slip indicating the result of transaction processing is necessary. It is displayed (step S1). By executing step S1, the operation display unit 14 displays the necessity selection image of the detailed slip including the selection items “unnecessary” and “necessary” as shown in FIG. At this time, the user presses the area of the selection item [necessary] in the image shown in FIG. 6 via the touch panel 14b if the statement slip is necessary, and if the statement slip is unnecessary, the user selects the selection item [unnecessary. ] Is pressed through the touch panel 14b.

  Next, the main control unit 11 determines whether or not the user has pressed the selection item [necessary] (step S2). When it is determined in step S2 that the selection item [necessary] is not pressed, the main control unit 11 determines whether or not the user has pressed the selection item [unnecessary] (step S3). When it is determined in step S3 that the selection item [unnecessary] is not pressed, the main control unit 11 returns to the execution of step S2 and performs the above-described operation again. During this time, if it is determined in step S2 that the selection item [necessary] has been pressed, the main control unit 11 stores the necessity data RA of logic level 0 indicating that a statement slip is necessary in a built-in register (not shown). (Step S4). If it is determined in step S3 that the selection item [unnecessary] has been pressed, the main control unit 11 stores logical level 1 necessity data RA indicating that a statement slip is unnecessary in the built-in register (step S3). S5).

  After execution of step S4 or S5, the main control unit 11 causes the operation display unit 14 to display a card insertion guidance image that prompts the user to insert the transaction card into the card insertion / discharge port 20 (step S6). During this time, the main control unit 11 determines whether or not the customer's transaction card has been inserted into the card insertion / discharge port 20 until it is determined that the transaction card has been inserted (step S7). If it is determined in step S7 that a transaction card has been inserted, the main control unit 11 causes the card reader printer 21 to read customer information such as a password, address, and telephone number stored in the transaction card, The customer data representing the customer information is stored in the built-in register (step S8).

  Next, the main control unit 11 determines whether or not the necessity data RA stored in the built-in register is at the logic level 1 (step S9).

  If it is determined in step S9 that the necessity data RA is at the logic level 1, that is, if it is determined that the statement slip is unnecessary, the main control unit 11 uses the card take-in / discharge mechanism 19 to The card is discharged from the card insertion / discharge port 20 (step S10). When the main control unit 11 discharges the transaction card from the card insertion / discharge port 20, the main control unit 11 displays a transaction card extraction guide image for prompting the user to extract the transaction card on the operation display unit 14 (step S11).

  After the execution of step S11, the main control unit 11 displays a password input image for prompting the user to input a password regardless of whether or not the user removes the transaction card. 14 (step S12). Even when it is determined in step S9 that the necessity data RA is not logical level 1, that is, it is determined that a statement slip is required, the main control unit 11 executes step S12 described above. By executing step S12, the operation display unit 14 displays a password number input image including a password number input field E1 and numeric keys E2 as shown in FIG. Moreover, after execution of step S11, the main control unit 11 displays the password input image for prompting the user to input the password regardless of whether or not the user removes the transaction card. Although it is displayed on the unit 14, after the execution of step S11, it is detected whether or not the transaction card is extracted for a certain period of time, and after detecting that the transaction card has been extracted, the above-described step S12 is performed. You may make it perform. At this time, if the transaction card is not removed for a certain period of time, the main control unit 11 will ask the user to enter a password, regardless of whether or not to remove the transaction card. The input image is displayed on the operation display unit 14.

  Here, the user inputs the personal identification number of the transaction card by pressing the numeric key E2 in the personal identification number input image shown in FIG. 7 via the touch panel 14b. At this time, the entered password is displayed in the password entry field E1. During this time, the main control unit 11 determines whether or not the input of the password is completed by the user (step S13). If it is determined that the input of the password is completed, the main control unit 11 takes in the password and Is transmitted to the center apparatus together with the customer data described above (step S14). The center device determines whether the customer's transaction card is fraudulent or appropriate based on the received customer data and personal identification number. If the center device determines that the transaction card is appropriate, the card is OK. A signal is transmitted to the ATM 100. On the other hand, when it is determined that the transaction card is illegal, the center device transmits an illegal interrupt signal to the ATM 100. When the fraud interrupt signal is received, the main control unit 11 performs the operations of steps S12 to S14 again, and during this time, for example, when it is determined that the transaction card is fraudulent for three consecutive times. Then, the transaction control routine shown in FIGS. 3 to 5 is exited, and execution of predetermined fraud processing control (not described) is started.

  After execution of step S14, the main control unit 11 causes the operation display unit 14 to display a transaction item selection image for allowing the user to select a transaction item (step S15). By executing step S15, the operation display unit 14 displays transaction items such as [transfer], [withdraw], [passbook entry], [balance inquiry], and [change PIN] as shown in FIG. 8, for example. The transaction item selection image to be displayed is displayed.

  Here, the user selects a desired transaction from among the transaction items in the transaction item selection image shown in FIG. 8, that is, presses the desired transaction item via the touch panel 14b.

  The main control unit 11 determines whether or not the transaction item has been selected by the user (step S16), and when it is determined that the selection has been made, the transaction process corresponding to the selected transaction item is performed. Execute (Step S17).

  Hereinafter, an example of the transaction process executed by the main control unit 11 in step S17 when the user presses [Drawer] shown in FIG. 8 as a transaction item will be described.

  In step S <b> 17, first, the main control unit 11 causes the operation display unit 14 to display an image that prompts the user to input a withdrawal amount. Here, when the user completes the input of the withdrawal amount, the main control unit 11 supplies the cash withdrawal mechanism 15 with a cash withdrawal signal indicating the amount. In response to the transaction processing in step S17 described above, the cash deposit / withdrawal mechanism 15 takes out banknotes or coins corresponding to the amount indicated by the cash withdrawal signal from the cash storage box, and discharges them to the cash slot 16. At this point, since the shutter of the cash inlet / outlet 16 is closed, the user cannot take out banknotes or coins.

  After executing step S17, that is, after supplying the cash withdrawal signal to the cash deposit / withdrawal mechanism 15, the main control unit 11 requests the user to wait, for example, a wait message such as [please wait] is displayed. It is displayed on the part 14 (step S18). During this time, the main control unit 11 determines whether or not the transaction is actually completed after executing the transaction process described above (step S19), and displays the standby message in step S18 until it is determined that the transaction is completed. I do.

  In addition, when [withdrawal] is selected as the transaction item and the cash withdrawal process is executed as the transaction process, the cash deposit / withdrawal mechanism 15 actually finishes discharging the cash (banknotes or coins) to the cash slot 16. The transaction is complete. For example, when “transfer” is selected as the transaction item and a cash transfer process is executed as the transaction process, the transaction is completed upon receipt of a signal indicating the completion of the transaction transmitted from the center apparatus. Further, for example, when [passbook entry] is selected as a transaction item, the transaction is completed when the passbook entry machine 17 finishes discharging the passbook, which has been registered, from the passbook insertion / exit port 18.

  Here, if it is determined in step S19 that the transaction has been completed, the main control unit 11 determines whether the above-described necessity data RA is at the logic level 0 (step S20).

  In step S20, when it is determined that the necessity data RA is at the logic level 0, that is, when it is determined that a statement slip is required, the main control unit 11 represents the transaction result in step S16 described above. Print data is generated, and the contents of the transaction result based on the print data are printed on the statement slip by the card reader printer 21 (step S21). After completion of the printing, the main control unit 11 causes the card take-out / discharge mechanism 19 to discharge the transaction card and the printed statement slip from the card insertion / discharge port 20 (step S22). Next, the main control unit 11 prompts the user to extract a transaction card and a statement slip. For example, a card / detail slip extraction guide image such as [Receive card / detail slip] is displayed on the operation display unit 14. It is displayed (step S23).

  After the execution of step S23 or when it is determined in step S20 that the necessity data RA is not at the logic level 0, that is, when it is determined that the statement slip is not required, the main control unit 11 Time measurement (not shown) is started from an initial value (step S24). Next, the main control unit 11 determines whether or not the transaction card has been extracted from the card insertion / exit port 20 (step S25). When it is determined in step S25 that the card has not been removed, the main control unit 11 determines whether or not the time T of the built-in timer is greater than a predetermined limit time TH (step S26). In step S26, when it is determined that the timed time is equal to or less than the limit time TH, the main control unit 11 returns to the execution of step S25 and executes the above-described operation again.

  Here, when it is determined in step S25 that the card has been removed, the main control unit 11 opens the shutter of the cash inlet / outlet 16 (step S27). By executing step S27, the user can acquire cash from the cash entrance / exit 16.

  Next, the main control unit 11 starts counting the above-described built-in timer from the initial value (step S28), and subsequently determines whether or not cash (banknotes or coins) has been taken out from the cash inlet / outlet 16 (step S28). S29).

  When it is determined in step S29 that no cash has been taken out from the cash inlet / outlet 16, the main control unit 11 determines whether or not the time T of the built-in timer is greater than the limit time TH (step S30). . When it is determined in step S30 that the timed time is equal to or less than the limit time TH, the main control unit 11 returns to the execution of step S29 and executes the above-described operation again.

  During this time, when it is determined in step S29 that the cash has been taken out from the cash entrance 16, the main control unit 11 causes the operation display unit 14 to display a transaction end message informing the user of the end of the transaction (step S31).

  Next, based on the proximity detection signal supplied from the proximity sensor 10, the main control unit 11 determines whether or not the user is present at a position 50 cm away from the front surface of the ATM 100 (step S32). If it is determined in step S32 that the user is present at a position 50 cm away from the front surface of the ATM 100, the main control unit 11 stops the display operation of the operation display unit 14 (step S33).

  When it is determined in step S26 or S30 that the time T of the built-in timer is greater than the limit time TH, the main control unit 11 uses the proximity detection signal supplied from the proximity sensor 10. It is determined whether the person is present at a position separated from the ATM 100 by 50 cm or more (step S34). If it is determined in step S34 that the user is within the range of less than 50 cm from the ATM 100, the main control unit 11 returns to the execution of step S24 described above and performs the above-described operation again. On the other hand, in the said step S34, when it determines with a user existing in the position away from ATM100 from 50 cm, the main-control part 11 shows the transaction card, banknote, coin, and statement slip which exist in the card insertion discharge port 20. The card take-in / discharge mechanism 19 collects the ATM 100 (step S35). That is, when the user forgets to take the transaction card, banknote, coin and statement slip and leaves, the transaction card, bill, coin and statement slip are collected in the ATM 100.

  After execution of step S33 or S35 described above, the main control unit 11 ends the transaction control routine shown in FIGS.

  As described above, in the ATM 100, when the user approaches the ATM 100, first, the main control unit 11 selects the necessity slip selection image (FIG. 6) for selecting whether or not the statement slip indicating the transaction result is necessary. It is displayed on the operation display unit 14 (S1). Here, the main control unit 11 receives a statement slip selection operation (S2 to S5) for selecting whether or not a statement slip is necessary, and obtains necessity data RA indicating the selection result. Then, the main control unit 11 causes the operation display unit 14 to display a card insertion guidance image that prompts insertion into the card insertion / discharge port 20 (S6). At this time, the card access unit including the card take-out / discharge mechanism 19, the card reader / printer 21, and the main control unit 11 takes in the transaction card inserted into the card insertion / discharge port 20, and reads customer information from the taken-in transaction card ( S8).

  After reading the customer information by the card access unit, the main control unit 11 determines whether or not the necessity data RA indicates that the statement slip is unnecessary (S9), and indicates that the statement slip is unnecessary, At this time, the transaction card is discharged from the card insertion outlet 20 (S10). On the other hand, when the necessity data RA indicates that a statement slip is necessary, a transaction item selection image (FIG. 8) showing a plurality of transaction items is displayed (S15). Here, the main control unit 11 receives a transaction item selection operation (S16) for selecting one of a plurality of transaction items, and executes a transaction process corresponding to the selected transaction item (S17). Then, after the transaction by the transaction process is completed, the transaction card is discharged from the card insertion outlet 20 together with the statement slip (S22).

  That is, in the ATM 100, the user first selects necessity / unnecessity of the statement slip (S1 to S5). When the necessity of the statement slip is selected, the customer information is read from the transaction card (S8). After that, the take-in card is immediately discharged (S10).

  Therefore, when it is selected that the statement slip is unnecessary, the transaction card is discharged at a time earlier than the time when the transaction by the transaction process (S17) is completed. Therefore, compared with the case where the transaction card is discharged after the transaction is completed, the period during which the user can extract the transaction card becomes longer, so that it is possible to prevent forgetting to remove the transaction card.

  In the above-described embodiment, when the user selects not to use the statement slip (S3, S5), the transaction card is discharged immediately after the customer information reading process (S8) from the transaction card ( However, the transaction card discharge timing is not limited to immediately after the customer information reading process.

  FIG. 9 and FIG. 10 are flowcharts showing modifications of the transaction control routine shown in FIG. 3 and FIG. 4 made in view of this point.

  The control in each of steps S1 to S23 shown in the transaction control routine of FIGS. 9 and 10 is the same as the control in each of steps S1 to S23 shown in FIGS. However, in the transaction control routine shown in FIGS. 9 and 10, after the transaction card reading process in step S8, the password input process PA in steps S12 to S14 is executed, and then the transaction card discharge process CT in steps S9 to S11. Execute. Moreover, after execution of step S20 or S23 in the transaction control routine shown in FIGS. 9 and 10, steps S24 to S35 shown in FIG. 5 are executed.

  That is, in the transaction control routine shown in FIG. 9 and FIG. 10, when the user makes a selection not requiring a statement slip (S 3, S 5), first, a password input process PA (S 12 to S 14) is executed. To do. Thereafter, when a card OK signal indicating that the transaction card is appropriate is supplied from the center device side, transaction card discharge processing CT (S9 to S11) is executed.

  11 and 12 are flowcharts showing another modification of the transaction control routine shown in FIGS. 3 and 4.

  The control in each of steps S1 to S23 shown in the transaction control routine of FIGS. 11 and 12 is the same as the control in each of steps S1 to S23 shown in FIGS. However, in the transaction control routine shown in FIGS. 11 and 12, after the transaction card reading process in step S8, the password input process PA (S12 to S14) in steps S12 to S14 and the transaction item selection image display (S15). Are performed sequentially. And the transaction item selection operation which selects one from several transaction items is received (S16), and the transaction process (S17) corresponding to the transaction item selected by the user is performed. Here, a standby message for causing the user to wait until the actual transaction is completed after the execution of the transaction process is displayed (S18). At this time, if the user makes a selection that requires a statement slip (S2, S4), the statement slip is discharged from the insertion outlet (20) together with the transaction card after the transaction is completed (S22). On the other hand, when the user selects not to use the statement slip (S3, S5), the transaction card is inserted and discharged after the transaction process is executed until the transaction is actually completed. (20) is discharged (S10).

  In the transaction control described above, when the user approaches the ATM 100, first, a statement slip selection process (S1 to S5) is performed for the user to select whether or not a statement slip is necessary. The transaction item selection process may be performed immediately before the statement slip selection process.

  FIG. 13 is a flowchart showing an example of a transaction item selection routine executed immediately before the statement slip selection process. That is, when the proximity detection signal supplied from the proximity sensor 10 transits from the logic level 0 to the logic level 1, the main control unit 11 first causes the user to select a transaction item as shown in FIG. A transaction item selection image is displayed on the operation display unit 14 (step S01). The user selects a desired transaction from among the transaction items in the transaction item selection image shown in FIG. 8, that is, presses the desired transaction item via the touch panel 14b. During this time, the main control unit 11 determines whether or not the transaction item has been selected by the user (step S02), and when it is determined that the selection has been made, the transaction item indicating the selected transaction item. Data is stored in the built-in register (step S03). Next, the main control unit 11 determines whether or not the transaction indicated by the transaction item does not require a statement slip (step S04). For example, among transactions of [Transfer], [Drawer], [Passbook entry], [Balance inquiry], and [Change PIN], a statement slip is not required for transactions such as [Passbook entry] and [Change PIN]. Become.

  If it is determined in step S04 that the statement slip is not necessary, the main control unit 11 proceeds to the execution of step S1 shown in FIG. 3 and subsequently executes the above-described steps S1 to S35. At this time, since steps S15 and S16 shown in FIG. 4, FIG. 10, or FIG. 12 overlap with the above-described steps S01 and S02, these steps S15 and S16 may be deleted. On the other hand, when it is determined in step S04 that the statement slip is unnecessary, for example, when the transaction item [passbook entry] and [change PIN] is selected by the user, the main control unit 11 Subsequently, the process proceeds to execution of step S5 shown in FIG. 3, FIG. 9, or FIG. 11, and steps S5 to S35 are executed. In other words, when it is determined in step S04 that a statement slip is not necessary, the statement slip selection process including steps S1 to S4 is omitted.

  In short, in the ATM 100 shown in FIG. 1, a necessity selection image (FIG. 6) for selecting whether or not a statement slip indicating the transaction result is necessary is displayed on the display unit (14) (first display control: S1). Further, a statement slip selection operation (S2 to S5) for selecting whether or not a statement slip is necessary is received to obtain necessity data (RA) indicating the selection result (first operation control). After completion of the statement slip selection operation, a card insertion guidance image that prompts insertion of the transaction card into the insertion / ejection slot (20) is displayed on the display unit (S6). Here, the card access unit (11, 19, 21) takes in the transaction card inserted into the insertion / discharge port, and reads customer information from the taken-in transaction card (S8). After the customer information is read by the card access unit, a transaction item selection image (FIG. 8) including a plurality of transaction items is displayed on the display unit (S15). Here, a transaction item selection operation for selecting one transaction item from a plurality of transaction items is accepted (S16), and a transaction process corresponding to the transaction indicated by this transaction item is executed (S17).

  At this time, when the necessity data indicates that the statement slip is necessary, the card access unit discharges the transaction card together with the statement slip from the insertion / discharge port after the transaction is completed by the transaction processing (S19). . On the other hand, when the necessity data indicates that the statement slip is unnecessary, the transaction card is discharged from the insertion / discharge port before the transaction is completed (S19) (S10).

  Therefore, according to ATM100, when selection that a statement slip is unnecessary is made, a transaction card comes to be discharged at the time earlier than the time when the transaction by transaction processing (S17) is completed. Therefore, compared with the case where the transaction card is discharged after the transaction is completed, the period during which the user can extract the transaction card becomes longer, so that it is possible to prevent forgetting to remove the transaction card.

DESCRIPTION OF SYMBOLS 10 Proximity sensor 11 Main control part 14 Operation display part 15 Cash-in / out mechanism 19 Card taking-out / discharging mechanism 20 Card insertion / extraction port 21 Card reader printer

Claims (8)

Transaction card insertion outlet, where customer information is stored,
A display for displaying a transaction screen;
A first display control unit for displaying on the display unit a necessity selection image for selecting whether or not a statement slip representing a transaction result is necessary;
A first operation control unit that receives a statement slip selection operation for selecting whether the statement slip is necessary and obtains necessity data indicating a selection result;
A card access unit that takes in the transaction card inserted into the insertion outlet and reads the customer information from the taken-in transaction card;
Has a transaction execution unit for executing transaction processing corresponding to the transaction indicated by the引項eyes collected, and
The card access unit causes the transaction card to be discharged from the insertion outlet together with the statement slip after the transaction is completed by the transaction processing when the necessity data indicates that the statement slip is necessary, When the necessity data indicates that the statement slip is unnecessary, the transaction card is ejected from the insertion / ejection slot before the transaction is completed.   The card access unit, when the necessity data indicates that the statement slip is not required, immediately after reading the customer information from the transaction card, to eject the transaction card from the insertion outlet The automatic transaction apparatus according to claim 1, wherein: A second display control unit that causes the display unit to display a transaction card extraction guide image that prompts the extraction of the transaction card;
The card access unit, when said necessity data indicates that the itemized is unnecessary, to discharge the transaction card from the insertion discharge port after receiving an input operation of security code,
2. The automatic transaction apparatus according to claim 1, wherein the second display control unit causes the display unit to display a transaction card extraction guide image that prompts extraction of the transaction card when the transaction card is discharged. A third display control unit for displaying a password input image for prompting input of a password for the transaction card on the display unit;
The said 3rd display control part displays the PIN code input image which prompts the input of the PIN of the said transaction card on the said display part irrespective of whether the said transaction card was extracted or not. Item 3. An automatic transaction apparatus according to item 2 . A third display control unit for displaying a password input image for prompting input of a password of the transaction card on the display unit after reading the customer information from the transaction card by the card access unit;
A third operation control unit that accepts an input operation of the personal identification number;
The card access unit, when the necessity data indicates that the statement slip is unnecessary, allows the transaction card to be ejected from the insertion / ejection slot after receiving an input operation of the personal identification number. The automatic transaction apparatus according to claim 1.   The card access unit inserts the transaction card between the time when the transaction process is executed and the time when the transaction is completed when the necessity data indicates that the statement slip is unnecessary. 2. The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus is discharged from the discharge port. A proximity sensor that generates a proximity detection signal by detecting whether a user is present at a position close to the automatic transaction apparatus;
The automatic transaction apparatus according to claim 1, wherein the first display control unit displays the necessity selection image on the display unit in response to the proximity detection signal. A fourth display control unit for displaying a transaction item selection image including a plurality of transaction items on the display unit;
A fourth operation control unit for receiving a transaction item selection operation for selecting one transaction item from the plurality of transaction items;
A proximity sensor that generates a proximity detection signal by detecting whether a user is present at a position close to the automatic transaction apparatus;
In response to the proximity detection signal, the fourth display control unit displays the transaction item selection image on the display unit, and the fourth operation control unit accepts the transaction item selection operation,
When the first transaction item selected by the transaction item selection operation indicates a transaction that does not require the statement slip, the first display control unit displays the necessity selection image and the first operation control unit The automatic transaction apparatus according to any one of claims 1 to 6, wherein the receipt process of the statement slip selection operation is not executed.

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