JPH01194069A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To execute deposit transaction within a short time with simple operation and to reduce the load on the title device by appropriating deposited amount to plural deposit transaction amounts and executing input transaction processing on the basis of inputted deposit transaction information. CONSTITUTION:Deposit transaction information necessary for plural deposit transactions to be executed by a user is collectively inputted from an input means 4, and when information to be inputted to plural deposit transaction is overlapped, its input is omitted, the sum of necessary transaction amounts is deposited by one cash loading operation or one account postal transfer and deposit transaction processing 10 is collectively executed. When the user intends to simultaneously execute plural deposit transactions, it is unnecessary to repeat operation for cash loading and reception of a balance and the number of input items can be reduced, so that the operation can be simplified and deposit transaction can be executed within a short time, and since the driving frequency of the device can be reduced, the load on the device can be also reduced.

Description

[Detailed Description of the Invention] [Object of the Invention] (Industrial Application Field) The present invention is installed in a financial institution such as a bank, and is used to deposit cash, transfer money to a designated account, or transfer utility charges, etc. The present invention relates to automatic transaction devices such as automatic teller machines that have multiple deposit transaction functions.

(Prior Art) In recent years, automatic teller machines that accept magnetic cards or magnetic bankbooks presented by users and automatically pay cash requested by users by communicating online with a host computer that serves as a deposit ledger have become popular. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks that store account information, and automatic teller machines that have both of these functions, are being used as automation equipment at bank counters. It has developed rapidly and has been introduced by banks to provide quick services to their users.

In addition, with the recent diversification of economic activities, there has been an increase in the number of transfer transactions such as loan repayments and utility bill transfers using banks and other financial institutions, so it is important to accept cash using the automatic transaction device mentioned above. Deposit the money into the user's account, or transfer the received cash or the user's account to another bank account designated by the user by direct debit,
A system for conducting deposit transactions, such as transferring taxes and utility charges such as electricity, gas, and water, has been developed and put into practical use.

In order for a user to perform a deposit transaction using such an automatic transaction device, the following operations are generally required. That is, for example, when a user deposits cash, first, in order to select the type of transaction, the user operates the operation section of the automated teller machine to specify that it is a deposit. next,
Insert the magnetic card or magnetic passbook into the insertion slot, and input the amount to be deposited from input means such as a touch panel. As a result, at the same time as the account information is read from the magnetic card or magnetic passbook, the door of the deposit/withdrawal slot for banknotes or coins opens, allowing cash to be inserted. Next, when the user inserts cash, the previously input deposit amount is compared with the deposit amount actually deposited. Based on this comparison, if the actual deposited amount is equal to or greater than the deposited amount, the deposit processing is executed. At this time, if the entered amount is greater than the deposited amount, the difference is treated as transaction surplus (change) and is refunded to the banknote or coin deposit/withdrawal slot at the same time as the deposit process is completed. The user receives the change and completes the deposit transaction.

In this way, one deposit transaction is completed when the user performs a series of operations from selecting the transaction type to receiving change, but if the user wants to perform another deposit transaction, the above procedure is required. The same operation will be repeated from the beginning again.

Conventional automated teller machines are configured as described above, so when a user performs several deposit transactions in succession, the user must perform a series of operations from selecting the transaction type to receiving change for each deposit transaction. There is a problem in that the operations have to be repeated, which makes the operation cumbersome and time-consuming, and places a heavy burden on the user. Further, automatic transaction devices also suffer from severe wear and tear because similar processing is repeated many times.

(Problems to be Solved by the Invention) As described above, when a user performs several deposit transactions in succession, the present invention provides a method for selecting a transaction type and receiving change for each deposit transaction. The problem is that a series of operations have to be repeated, making them cumbersome and time-consuming, placing a heavy burden on the user, and also on the automated transaction device, as the same process is repeated over and over again. To provide an automatic transaction device that is easy for users to operate, enables deposit transactions in a short time, and reduces the load on the device, which was developed to solve the problem of severe wear and tear on the device. With the goal.

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of the present invention includes an input means for inputting deposit transaction information for a plurality of deposit transactions, and when inputting of deposit transaction information by this input means is completed. A depositing means for depositing the amount necessary for those depositing transactions, and applying the deposited amount by this depositing means to the transaction amount of the plurality of depositing transactions, and depositing based on the depositing transaction information input by the input means. and a deposit transaction processing means for processing transactions.

(Function) The present invention enables the user to input deposit transaction information necessary for multiple deposit transactions at once from an input means, and at this time, input the necessary deposit transaction information for multiple deposit transactions. If there is any duplicate information, omit the input and deposit the total transaction amount required for the above multiple deposit transactions with one cash input operation or one account transfer, and also process the deposit transactions all at once. This is what I decided to do. As a result, when users perform multiple deposit transactions at the same time, they no longer need to repeatedly insert cash and receive change during cash transactions, and they can also omit entering duplicate deposit transaction information. Since the number of machines is small, the operation becomes simple and deposit transactions can be carried out in a short time, and since the number of times the machine is operated is small, the load can be reduced.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 3 shows an automatic transaction device according to the present invention. That is, an abbreviated operating section 2 is formed on the front surface of the casing 1. A banknote deposit/withdrawal port 3 is provided on the horizontal surface of the operating unit 2, into which a large number of banknotes can be deposited at once, and where change can be received. It has an adjustable door. Also,
A color CRT display section 4 equipped with, for example, a touch panel (touch sensor) is provided on the horizontal surface of the operation section 2 . This display unit 4 displays operation procedures, confirmation items, and other information on the screen using illustrations, characters, or words to guide the user, and also uses the display to guide the user.
A touch sensor detects the amount of money, account number, transaction approval, confirmation, or cancellation by touching a display area corresponding to the transaction, and outputs a corresponding signal to the control unit 10, which will be described later. It is.

In other words, the display unit 4 displays, for example, the words "Please specify the transaction" and also displays the words "Deposit, payment, etc."
Keys for selecting "inquiry, payment", etc. are displayed. In response to this display, the user selects the type of transaction by touching the display key of the transaction he or she wishes to conduct. The instructions on such a display and the corresponding input operations are configured to transition with the transition of the processing state.

Further, on the vertical surface of the operation unit 2, there is a coin deposit/withdrawal slot 5 for inserting coins to be deposited and receiving change for the coins, and a card insertion slot for inserting a magnetic card having a PIN number, account information, etc. recorded therein. 6. A passbook insertion lower for inserting a magnetic passbook, a transfer bill insertion slot 8 for inserting a transfer ticket, and a public money slip insertion slot 9 for inserting public money slips such as tax, electricity, gas, and water bill bills. There is.

Furthermore, as shown in FIG. 2, inside the housing 1, there is a control unit 10 that controls the entire device, a magnetic card inserted through the card insertion slot 6, and a password from the magnetic stripe on the magnetic card. A card reading device 11 that reads account information such as a number and account number; a passbook reading device 12 that reads recorded contents from the magnetic stripe part of the magnetic passbook inserted from the passbook insertion lower and records transaction details on the magnetic passbook;
Transfer ticket reading device 13 that reads the recorded content of the transfer ticket inserted from the transfer ticket insertion slot 8 and records the transaction details.
, a public money slip reading device 14 that reads the recorded contents of the public money slip inserted through the public money slip insertion slot 9 and records the transaction details; a public money slip reading device 14 that receives, inspects and counts the banknotes inserted into the banknote deposit/withdrawal slot 3; , a bill depositing and dispensing machine 15 that returns change bills to the bill depositing and dispensing port 3; a bill depositing and dispensing machine 15 that receives, inspects and counts the coins inserted into the coin depositing and dispensing port 4; The coin depositing and dispensing machine 16 to be returned, the change control unit 17 that controls the change paid out to the bill depositing and dispensing machine 15 and the coin depositing and dispensing machine 16, the control unit 10 and the host computer (center)
a line control unit 19 that controls data transmission to and from the control unit 18; a calculation unit 20 that performs calculations necessary to control the control unit 10; and a storage unit 21 that stores various data or programs.
is provided.

Next, the operation of such a configuration will be explained with reference to the flowchart shown in FIG. For example, right now, a user stands in front of this automated transaction device. At this time, the display section 4 displays, for example, "Please specify transaction" and selection keys for "deposit, public money transfer, account transfer, etc." (step Sl). The user follows this guidance and touches, for example, the area labeled ``Deposit j.'' This completes the selection of the transaction type, and the control unit 10 determines to proceed to the next process and proceeds to step S2.

In step S2, the display section 4 displays, for example, "Please insert your bankbook or card" to prompt the user to insert a magnetic bankbook or card as a transaction medium. Then, it waits for the magnetic card or magnetic passbook to be inserted. When the magnetic card is inserted into the card insertion slot 6 in this state, the card reading device 11 reads the necessary transaction information such as account number 4 recorded on the magnetic card and stores it in the storage section 21. Similarly, when a magnetic passbook is inserted into the passbook insertion lower, the passbook reading device 12 reads the account number and other necessary transaction information recorded on the magnetic stripe provided in the magnetic passbook and stores it in the storage unit 21. I'll keep it.

Next, the process proceeds to step S3, where the display section 4 displays, for example, "Please enter the amount to be deposited" and numeric keys. By touching the displayed numeric keys, the user manually enters the amount of money he or she is about to deposit. When the input of this amount is completed, the process advances to step S4.

In step S4, for example, the message "Are there any transactions to continue?" and the instruction key are displayed to ask the user to make a decision. Here, when the user touches the instruction key indicating that there is a transaction to be continued, the process returns to step S1, and in the same way as above, the display section 4 displays "Please specify transaction" and "Deposit, Public money transfer, account transfer,...
Display selection keys. When the user touches the display area of "public money transfer" during this transaction type selection, the selection of the transaction type is completed, and the control unit 10 determines to proceed to the next process and proceeds to step S2. In step S2, the display section 4 displays, for example, "Please insert public funds slip" to prompt the user to insert public funds slips such as tax, electricity, gas, and water bills. Then, it waits for the public funds slip to be inserted.

When a public money slip is inserted into the public money slip insertion slot 9 in this state, the type of public money, the billed amount, etc. recorded in the public money slip are read by a public money slip reading device 14 and stored in a storage section 21. When the above processing is completed, step S3
The process bypasses the process and proceeds to step S4.

In step S4, ask again "Are there any transactions to continue?"
and the corresponding instruction key are displayed to ask the user to make a decision. Here, when the user touches the instruction key again indicating that there is a transaction to be continued, the process returns to step S1.
Similarly to the above, the display section 4 displays "Please specify the transaction" and also displays "Deposit, public money transfer, account transfer, etc."
” selection keys are displayed. When the user touches the display area of "account transfer" in the transaction type selection, the selection of the transaction type is completed, and the control unit 10 determines that the process should proceed to the next step, and proceeds to step S2. In step S2, the display section 4 displays, for example, "Please enter the transfer field" to prompt the user to insert the transfer field in which the necessary transaction information such as the account number of the transfer destination is recorded. Then, it waits for the transfer field to be inserted. When the transfer field is inserted into the transfer ticket insertion slot 8 in this state, the transfer ticket reading device 13 reads the account number of the transfer destination, the amount to be transferred, etc. recorded in the transfer field, and stores them in the storage section 21. put. For transfer transactions to this designated account, if you are not using the remittance service, you will be prompted to enter information such as the recipient's account number and transfer amount required for account transfer, and according to the above remittance service, you will be prompted to enter the same information. It is supposed to be entered. When the above processing is completed, the process bypasses step S3 and proceeds to step S4.

Thereafter, steps 81 to S4 are repeated in the same manner, and all the deposit transaction information necessary for the deposit transaction that the user is about to perform is inputted. When entering the above deposit transaction information, if there is common data necessary for each transaction such as magnetic passbook, magnetic card, user's name, PIN number, etc., please enter these common data only once. It has become. That is, when inputting deposit transaction information from the second time onwards, input of these common data is not required, so the number of input items for the user is reduced and the input operation is simplified.

In this way, in step S4 after manually inputting all the deposit transaction information, the message "Are there any transactions to continue?" and the instruction key are displayed, and when the user is asked to make a decision, When the user touches the instruction key indicating that there is no transaction to continue, the process proceeds to step S5, where the transaction amount corresponding to each deposit transaction is determined from among the deposit transaction information input earlier and stored in the storage unit 21. , that is, the deposit amount,
The amount requested for one payment on the public funds slip and the amount transferred to Ike's account are calculated, and the sum of these is calculated, and the handling fee is added to this amount to make one amount on the billing table. This billing table; 1 amount is displayed on 4
will be displayed. In addition, in order to determine whether the user wants to pay in cash or transfer money from a savings account, the system displays, for example, ``Please specify your payment method,'' and selects ``cash or bank transfer.'' key is displayed. If the user wishes to pay in cash, please follow this guide.
Touch the part that says "Cash". This results in
When the selection of the payment method is completed, the control unit 10 determines to proceed to the next process and proceeds to step S6.

In step S6, for example, "Please put money in" is displayed on the display unit 4, and the door provided at the banknote deposit/withdrawal port 3 is opened. When the user inserts banknotes in accordance with this, the banknote deposit/dispensing machine 15 takes in the inserted banknotes one by one, inspects them, and counts the amount of money inserted. When the counting of the input amount is completed, the previously calculated total billing amount and the counted deposited amount are compared. Here, bill deposit/withdrawal machine 1
If the deposited amount counted in Step 5 is less than the total transaction amount, a message indicating that the deposited amount is insufficient is displayed to prompt the user to make further deposits. On the other hand, if the deposited amount counted by the bill depositing and dispensing machine 15 is equal to or greater than the total transaction amount, the process advances to step S7, and the host computer 18 is notified via the line control unit 19 to start depositing transaction processing. The difference between the transaction amount and the actually deposited amount is displayed on the display section 4 as transaction surplus, that is, change. At the same time, the host computer 18 successively executes the three deposit transaction processes described above. Next, the process advances to step S8, and the change controller 17 controls the banknote deposit/dispensing machine 15 and the coin deposit/dispensing machine 16 to transfer the amount of change displayed on the display section 4 to the bill deposit/dispensing port 3 and coins. Refund to deposit/withdrawal port 5. When the change is refunded, the process proceeds to step S9, and the magnetic card or magnetic passbook inserted when specifying the deposit transaction, the public money slip inserted when specifying the public money transfer deposit transaction, and the transfer card inserted when specifying the deposit transaction for account transfer. The transaction medium such as the ticket is returned and the series of deposit transaction processing is completed.

On the other hand, in step S5 above, if the user wishes to transfer money from the deposit account, follow the instructions on the display section 4.
Touch the key that says "Account Transfer". This completes the selection of the payment method, and the control unit 10 determines to proceed to the next process and proceeds to step SIO. Step 31
0, the user is prompted to insert a magnetic card or magnetic passbook if it is not inserted yet. When a magnetic card or passbook is inserted, account information is read and identity is verified. Next, the display section 4 displays, for example, "Please enter the payment amount" and numeric keys. The user inputs the payment amount by touching the displayed numerical keys. As a result, the process proceeds to step Sll, where the payment capacity of the deposit account, the total billed amount, and the payment amount are verified, and if the transaction is possible, the host computer 18 is notified via the line control unit 19 to start the deposit transaction process. do. The host computer 18 allocates the billed total amount to the deposit amount of the deposit transaction by transferring the billed total amount from the account designated by the user. At this time, if the payment amount is insufficient, the user is asked to confirm that fact. In step S12, the host computer 18 successively executes the three deposit transaction processes described above. Next, the process proceeds to step S9, and in the same manner as above, the magnetic card or magnetic passbook inserted when specifying the deposit transaction for deposit, the public money slip inserted when specifying the deposit transaction for public money transfer, and the transfer card inserted when specifying the deposit transaction for account transfer. The transaction medium such as the ticket is returned and the series of deposit transaction processing is completed.

As described above, the deposit transaction information necessary for multiple deposit transactions is entered all at once, so that multiple deposit transactions can be performed with one cash injection operation or one account transfer, and change The refund is also done all at once when the deposit transaction processing is completed, so if a user performs several deposit transactions at the same time, if there is any duplicate deposit transaction information that should be entered, the duplicate It is possible to omit inputting information, and there is no need to perform the operation of inserting cash and receiving change many times, so the operation is simplified and the deposit transaction can be carried out in a short time. Furthermore, the number of times of inspection and counting due to the insertion of cash and the number of times of refunding change upon completion of processing are reduced, so the number of mechanical operations of the device is reduced, and wear and tear can be suppressed.

Although the above embodiments have been explained in terms of cash deposits, utility bill transfers, and bank account transfers, the present invention is not limited to these, and can be applied to loan repayments and other deposit transactions. It is effective.

[Effects of the Invention] As described in detail above, according to the present invention, the deposit transaction information necessary for multiple deposit transactions that the user intends to perform is inputted all at once from the input means, and at this time, If there is any duplicate information to be entered for the above deposit transactions, the input will be omitted, the total amount required for the above multiple deposit transactions will be deposited in one operation, and the deposit transaction processing will also be performed in one operation. As a result, it is possible to provide an automatic transaction device that is easy for the user to operate, allows deposit transactions to be made in a short time, and reduces the load on the device.

[Brief explanation of the drawing]

The figures show one embodiment of the present invention, in which Fig. 1 is a flowchart for explaining the deposit transaction operation, Fig. 2 is a diagram showing the configuration of the main part of the electric circuit, and Fig. 3 is a perspective view of the overall appearance. It is a diagram. DESCRIPTION OF SYMBOLS 1... Housing, 2... Operation unit, 3... Bill deposit/withdrawal slot (deposit means), 4... Display unit (input means), 5...
Coin deposit/withdrawal slot (deposit means), 6... Card insertion slot (input means), 7... Passbook insertion slot (input means), 8...
Transfer ticket insertion slot (input means), 9...Public money slip insertion slot (
input means), 10... control unit (deposit transaction processing means, deposit means), 11... card reading device (input means), 1
2... Passbook reading device (input means), 13... Transfer ticket reading device (input means), 14... Public money slip reading device (input means), 15... Banknote deposit/withdrawal machine (deposit means), 16
Coin deposit and withdrawal machine (deposit means), 17 Change control unit, 18 Host computer, 19 Line control unit, 20 Calculation unit, 21 Storage unit. Applicant's agent Patent attorney Takehiko Suzue Figure 1 Figure 2

Claims (1)

[Claims] An input means for inputting deposit transaction information for a plurality of deposit transactions, and when inputting of deposit transaction information by the input means is completed,
a depositing means for depositing the amount necessary for those depositing transactions; and a depositing means for applying the deposited amount by this depositing means to the transaction amount of the plurality of depositing transactions, and depositing based on the depositing transaction information input by the input means. An automatic transaction device characterized by comprising a deposit transaction processing means for performing transaction processing.