JPH01302468A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To confirm past transaction transit at a glance, and to enhance operability by displaying transaction information together with a transaction balance on a display means when the transaction balance is confirmed with the use of a recording medium where the transaction information is recordable. CONSTITUTION:When an inserted bankbook code and a code number are checked and judged to be effective by a CPU 13, control information from the bankbook stored into a memory 15 is sent through the CPU 13 to a center computer 4. The displaying on the display part is switched to the selective guide of the transaction, namely, the selective instructing guide of the transaction by mode keys such as a deposit key, a payment key and a balance collating key. For example, when the balance collation is designated, the user's deposit balance and the unrecorded information of the past money dispensing transaction corresponding to the account number of the control information from the bankbook by the computer 4 are read. The CPU 13 displays together with the deposit balance and the unrecorded transaction information through a display/input unit 9 on a display part. Thus, the volume of the recorded transaction information can be easily confirmed at a glance.

Description

Detailed Description of the Invention [Object of the Invention] (Industrial Application Field) The present invention relates to an automatic transaction device such as a deposit/withdrawal device that automatically deposits and withdraws money.

(Prior art) In recent years, deposit and withdrawal devices (Automated Tellers)
Machine-ATMs are installed in banks' mechanized corners, etc., and allow customers to perform various transactions such as automatically withdrawing or depositing cash (transaction medium) using a card or passbook (recording medium), etc., by the customer's own operations. They operate for extended hours even after bank counters have closed, and they can also be used for unmanned operation by installing them inside department stores or in front of stations, and the number of installed machines is likely to increase in the future.

By the way, with the above-mentioned deposit/withdrawal device, in addition to cash withdrawals (withdrawal transactions) and deposits (deposit transactions), there are also functions such as balance inquiries to check deposit balances (transaction balances) and past withdrawal or deposit transactions. It is now possible to record (print) transaction information in a passbook. Each of these transactions is individually executed according to the customer's selection.

When making a balance inquiry with this type of deposit/withdrawal device, when a bankbook or card is inserted and the customer's identity is verified by matching the PIN number, the customer's deposit balance according to the account number will be displayed on the display, or It is printed on a receipt (ticket) and output together with a passbook or card. However, with deposit/withdrawal devices that only inform you of your deposit balance, it is not possible to understand past transactions.For example, when you make an entry in your passbook,
The system had poor operability, as it was impossible to determine whether or not it would take time to record the records.

(Problem to be Solved by the Invention) This invention provides that, in a deposit/withdrawal device in which only the deposit balance is displayed on the display section or printed on a receipt when the balance is inquired, past transaction history is also displayed. This was done to solve the problem that it was difficult to understand and had poor operability. The purpose is to provide trading equipment.

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of the present invention includes a transaction means for transacting a transaction medium using a recording medium capable of recording transaction information, and a method using the transaction means. a management means for managing transaction information and transaction balances related to transactions; a display means for displaying the transaction balances managed by the management means; and an inquiry means for performing an inquiry transaction for checking the transaction balances using the recording medium; When the transaction balance is confirmed by the inquiry means, the control means displays the transaction information together with the transaction balance on the display means.

(Operation) When confirming the transaction balance using a recording medium that can record transaction information, the transaction information is displayed together with the transaction balance on the display means, so that the past transaction progress can be confirmed at a glance. This is how it was done.

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

FIG. 2 shows an automatic transaction device, such as a deposit/withdrawal device, according to the present invention. This deposit/withdrawal device is installed at a cash corner of a financial institution, such as a bank, and is used for transactions such as depositing/withdrawing money (transaction medium) by a customer's own operation.

This deposit/withdrawal device is installed such that a part of the housing 2A of the device main body 2 is embedded in the wall surface 40 of the cash corner. Further, on the front side of the device main body 2, there are provided a bill slot 31, a card/passbook slot 32, a transparent touch panel 33, and a coin slot 34. and,
Inside the two housings, there is a banknote processing unit 6 corresponding to the banknote entrance 31, a card/passbook processing unit 8 corresponding to the card/passbook entrance 32, and a transparent touch panel 3.
Display corresponding to 3/Enter crab knit 9, coin entrance/exit 34
Coin processing units 7 are arranged correspondingly.

Further, an interphone 12 is attached to the wall surface 40 in which the housing 2A is embedded, and an attendant operation unit 11, a main body control section 5, etc. are arranged at the deepest part of the two housings.

FIG. 3 shows the configuration of the deposit/withdrawal device.

This deposit/withdrawal device performs transactions such as cash, that is, banknotes and coins (deposit/withdrawal operations), based on management information such as the account number and user (customer) name attached to the card or passbook (recording medium). a switching control means 3 that is installed in a place other than the device main body 2, such as a monitoring center of a financial institution, and connected to the device main body 2 through a public line; It has a center computer (management means) 4 connected via a public line.

The device main body 2 includes a main body control section 5 connected to the switching control means 3 and the center computer 4 through a public line, the banknote processing unit 6 connected to the main body control section 5,
In addition to the coin processing unit 7, the card/passbook processing unit 8, the display/input unit 9, the attendant operation unit 11, and the intercom 12, the voice guidance unit 1
o, and a storage section 20.

The main body control section 5 is a CPU that controls the entire device.
(control means) 13, a program memory 14 storing a control program for controlling the operation of this device in a normal operation mode and a custody mode, and a memory 15 for storing transaction information, etc. in this device. .

The banknote processing unit 6, through the banknote entrance 31,
It issues receipts (tickets), dispenses paid bills, takes in deposited bills, and discharges rejected bills.

The coin processing unit 7 is configured to pay out paid coins and take in deposited coins through the coin inlet/outlet 34.

The card/passbook processing unit 8 takes in and ejects a card or passbook through the card/passbook entrance 32, reads management information from the card or passbook, and prints (records) on the passbook. It has become. Here, the management information includes, for example, a valid code indicating the number of mismatches in the password, the password, the user's name, and the account number.

The display/entering unit 9 is composed of a transparent touch panel 33 for the user to perform input operations,
The transparent touch panel 33 is equipped with a display section (for example, a CRT display) 16 on which a guide display for input operations and mode keys, operation keys, etc. necessary for operations are displayed. Here, as the mode keys, a deposit key, a withdrawal key, a passbook entry key, a balance inquiry key, a continuous process deposit key, a continuous process withdrawal key, etc. are displayed. In addition, the above-mentioned operation keys include a numeric keypad for inputting a PIN number and amount, a print key for instructing entry into a passbook, a yen key, a confirmation key, a correction key, a cancellation key, an end key, etc. ing.

The voice guidance unit 10 is configured to output various kinds of guidance information to the user by voice.

The staff operation unit 11 is a unit for a staff member to check various operating states of the device.

The storage section 20 is designed to store cards, passbooks, and coins.

The switching control means 3 connects the interphone 22 connected to the intercom 12 via a public line, and the CPU 1.
3 through a public line, and a monitoring unit 21 having an input section and a display section. The operating state of the device main body 2 changes from moment to moment (for example, lack of cash,
In addition to displaying abnormalities in the operation of the device main body 2) on the display section, it also issues operational commands to the control program of the device main body 2 (for example, commands to stop and start handling, etc.) through input from the input section.
It is now possible to do this.

The center computer 4 manages the user's deposit balance and unrecorded transaction information (information regarding past withdrawal transactions) for each account number.

Next, the operation when conducting a transaction using a bankbook (recording medium) will be explained with reference to the flowchart shown in FIG.

For example, assume that a bankbook is inserted into the card/passbook entrance 32 of the main body 2 of the device. Then, the card/passbook processing unit 8 is operated, and the passbook inserted into the entrance/exit 32 is taken in, and the management information attached to the passbook is read.

The management information read by this card/passbook processing unit 8 is stored in the memory 15 of the main body control section 5, and
A valid code is checked by the CPU 13. That is, by determining whether the number of failures of the password indicated by the valid code is within the valid range, it is determined whether the transaction using this passbook is valid. If it is determined that the passbook is invalid, the passbook is returned to the user through the card/passbook entrance 32.

In addition, if it is determined to be valid based on the above judgment, the display/
The input crab 3 is controlled to display mode keys, operation keys, etc. on the display section 16.

Then, it is determined whether the password entered through the transparent touch panel 33 according to the password input guidance matches the password of the passbook stored in the memory 15.

If it is determined that there is no match, the passbook is returned to the user through the card/passbook entrance 32.

Furthermore, when it is confirmed that the PIN numbers match, the memory 15
The management information stored in is sent to the center computer 4 via the CPU 13. Then, the display on the display unit 16 changes from PIN input guidance to transaction selection guidance, that is, the mode key (
The screen switches to guidance for selecting a transaction using a deposit key, a withdrawal key, a bankbook entry key, a balance inquiry key, a continuous processing deposit key, or a continuous processing withdrawal key.

Here, it is assumed that, for example, a balance inquiry by inputting the balance inquiry key is specified as a transaction. Then, the center computer 4 reads the user's deposit balance corresponding to the account number in the management information and unrecorded transaction information regarding past withdrawal or deposit transactions. As a result, C
The PU 13 causes the display unit 16 to display the deposit balance and transaction information of unrecorded items via the display/input crab unit 9.

On the other hand, in this state, the display section 16 displays guidance as to whether or not to continue processing for executing another transaction, a mode key, and the like.

According to this display, for example, when it is determined that the end key has been inserted, the passbook is transferred to the card/passbook entrance 3.
2 will be returned to the user. For example, when it is determined that the printing key has been inserted, the card/passbook processing unit 8 is operated, and all unrecorded transaction information displayed on the display section 16 is printed on the passbook. , the card/passbook is returned to the user through the card/passbook entrance 32.

In this way, when a balance inquiry is made, unrecorded transaction information is displayed together with the deposit balance. Thereby, the amount (number) of transaction information of unrecorded bones can be easily confirmed with the negative eye. Therefore, for example, it can be used as a rough guide for the time and space for writing in a bankbook.

Therefore, depending on the amount of unrecorded transaction information, the user can easily determine whether he or she has enough time to record the transaction.

Next, while the transaction selection guidance is displayed on the display section 16, for example, if it is determined that the deposit key has been inserted, or whether or not to perform a continuation process of executing another transaction following the balance inquiry. A case will be described in which, for example, it is determined that the continuation processing deposit key should be inserted while the above guidance is being displayed. That is, when the mode key related to deposit, that is, the deposit key or the continuous process deposit key is operated in the above state, a deposit by deposit transaction is requested. Then, the bill processing unit 6 and the coin processing unit 7 are operated, and the bill processing unit 6 and the coin processing unit 7 are operated.
The cash input in step 4 is taken in and counted. Then, the input amount is determined based on the counting result, and the input amount (and number of coins) is sent to the display/input crab knit 9 and displayed on the display section 16 together with the operation keys.

Here, for example, the cancel key among the operation keys is operated, that is, the amount of money and table input by the user is operated.

If the indicated amount does not match, the cash inserted through the banknote/passbook slot 31 and the coin slot 34 is returned to the user, and the passbook is returned to the card/passbook slot 3.
2 will be returned to the user.

Also, when the confirmation key is operated to confirm the input amount,
Data (transaction information) regarding the above-mentioned deposit transaction is sent to the center computer 4 and stored in the user's account.

Next, the display unit 16 provides guidance as to whether or not to record transaction information for unrecorded bones, and displays operation keys. In this state, if it is determined that the print key has been operated, all unrecorded transaction information is printed on the passbook, which is then returned to the user through the card/passbook entrance 32.

Further, in the above state, if it is determined that the end key has been operated, only the latest transaction information is printed, and then the passbook is returned to the user through the card/passbook entrance 32.

On the other hand, in a state where the transaction selection guide is displayed on the display section 16, for example, if it is determined that the withdrawal key is inserted, or whether to perform a continuation process of executing another transaction following the balance inquiry. In a state where this guidance is displayed, for example, if it is determined that the continuous processing withdrawal key is to be inserted, that is, if a mode key related to withdrawal is operated, a withdrawal transaction will be requested. When the payout amount for each denomination is input from the transparent touch panel 33, the requested payout amount is sent to the center computer 4, and it is determined whether the payout is possible or not.

As a result of this judgment, if it is determined that the transaction is impossible because the requested payout amount exceeds the deposit balance, the passbook is returned to the user through the card/passbook entrance 32.

Furthermore, if it is determined that the payout is possible (requested payout amount ≦ deposit balance), the banknote processing unit 6 and the coin processing unit 7 are operated, and the amount corresponding to the request is sent from the banknote slot 31 and the coin slot 34. Bills and coins are dispensed. Then, data (transaction information) regarding the above-mentioned withdrawal transaction is sent to the center computer 4 and stored in the user's account.

Next, the display unit 16 provides guidance as to whether or not to record unrecorded transaction information, and displays operation keys. In this state, if it is determined that the print key has been operated, all unrecorded transaction information is printed on the passbook, which is then returned to the user through the card/passbook entrance 32.

Further, in the above state, if it is determined that the end key has been operated, only the latest transaction information is printed, and then the passbook is returned to the user through the card/passbook entrance 32.

As mentioned above, when checking the deposit balance using a passbook that prints transaction information, past transaction progress can be confirmed at a glance by displaying unrecorded transaction information along with the deposit balance on the display. I'm trying to make it possible.

That is, when a balance inquiry is made using a passbook, the deposit balance is displayed together with unrecorded transaction information. This makes it easy to understand the history of past transactions. Therefore, for example, the customer can easily decide whether or not to record unrecorded transaction information, making it easier to understand the history of past transactions, and improving operability.

Furthermore, when a bank account is used to inquire about a bank account balance, the bank account balance is displayed and printed on the bank book if necessary. Therefore, the amount of receipts used can be reduced.

In addition, in the above embodiment, a case where a transaction is carried out using a passbook has been described, but the present invention can also be applied to a case where a transaction is carried out using a card.

Also, regardless of whether a deposit is requested or a withdrawal is requested, once a transaction is established and the deposit balance is updated by the transaction, whether or not all unrecorded transaction information is printed in the passbook. We let customers choose. This is useful when you want to complete a transaction in a short time or when there is no need to print past transaction information, as it reduces the time spent on bookkeeping and saves the printing space of the passbook.

Furthermore, once the balance inquiry is completed, deposits and withdrawals can be continued. Therefore, for example, when making a deposit or withdrawal transaction after checking the deposit balance, it takes a long time to reinsert the passbook that was once returned after one transaction is completed and to execute another transaction. time can be omitted. Therefore, the time required for operation can be shortened, and the operability is improved.

It goes without saying that various other modifications can be made without departing from the gist of the invention.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that allows past transactions to be easily understood and has improved operability.

[Brief explanation of the drawing]

The drawings show an embodiment of the present invention; FIG. 1 is a flowchart for explaining the operation, FIG. 2 is a perspective view schematically showing the deposit/withdrawal device, and FIG. 3 is the configuration of the deposit/withdrawal device. FIG. 2...Device body, 4...Center computer (management means)
, 8...Card/passbook processing unit, 9...Display/
Input unit, 13...CPU (control means), 16
. . . Display unit (display means), 32 . . . Card/passbook entrance/exit, 33 . . . Transparent touch panel. Applicant's agent Patent attorney Takehiko Suzue (b) Figure 1

Claims (1)

[Scope of Claims] A transaction means for transacting a transaction medium using a recording medium capable of recording transaction information, a management means for managing transaction information and transaction balances related to transactions by this transaction means, and management by this management means. a display means for displaying the transaction balance that has been processed; an inquiry means for performing an inquiry transaction for checking the transaction balance using the recording medium; 1. An automatic transaction device comprising: a control means for displaying transaction information.