JPH02108153A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To perform a necessary transaction by inputting a password number once by matching the balance and paying money in the same transaction when a payment transaction key and a balance matching key are depressed at the same time. CONSTITUTION:A card reader printer device 1, a bankbook reader printer device 2, a paper currency payment and reception device 3, a display part 4, a transaction selection part 5, a transaction operation part 6, a guide data storage part 7, a display control part 8, a key input control part 9, and a communication control part 11 are connected to a main controller 10. Then a customer can depress the payment transaction key 52 and balance matching key 53 at the same time. In this case, it is decided that a payment and matching transaction request is generated and nearly the same processing with the payment transaction is performed substantially, but the deposit balance and loaning limit amount are displayed on a display part 4 at the same time in this case. Therefore, the customer can input the desired amount of money to be paid over a look at the balance and loaning limit amount of money. Consequently, the customer can input the amount of money to be paid by inputting the password number only once and the transaction time is shortened.

Description

[Detailed Description of the Invention] (Industrial Application Field) The present invention is installed in a financial institution, etc., and allows cash withdrawals from a customer's savings account, balance inquiries, and transfers to the account by the operation of the customer or the customer's agent. The present invention relates to an automated teller machine that performs transactions such as deposits.

(Prior Art) In order to automate business operations, financial institutions and the like have installed automated teller machines that allow customers to perform various transactions related to deposits and savings through key operations.

FIG. 2 is a block diagram showing the configuration of a conventional automatic teller machine.

In the figure, this device includes a card league/printer device 1, a passbook league/printer device 2, a banknote deposit/withdrawal device 3,
The display section 4, transaction selection section 5, and transaction operation section 6 are configured to be controlled by the main control device 1o. A guidance data storage section 7 and a display control section 8 are provided to control the display section 4, and a key manual control section 9 is provided to control the transaction selection section 5 and transaction operation section 6. .

Furthermore, in addition to this, a communication control section 11 is provided, and is configured to control communication between the center computer 12 and the main control device 10. The center computer 12 is provided in the management center, stores data regarding deposits and savings, and performs various calculation processes.

On the other hand, in each branch, a large number of automated teller machines are connected via the communication control unit 11, and automatically perform operations related to deposits and savings by interacting with customers.

FIG. 3 shows an external view of such an automated teller machine.

This device is also a device with a conventionally well-known configuration, but the front panel has a card insertion slot 1a of the card league printer device 1 shown in FIG. 2, and a passbook shown in FIG. A passbook insertion slot 2a for the league printer device 2 is provided.

In addition, on the panel at hand, there are a banknote deposit/withdrawal port 3a of the banknote deposit/withdrawal device 3 shown in FIG. 2, a display section 4, and a transaction selection section 5.
and a transaction operation section 6 are provided.

Here, each block in FIG. 2 will be explained.

First, when a customer inserts a card such as an ATM card into the card insertion slot 1a shown in FIG. Read data such as PIN numbers for identity verification. Further, if it becomes necessary to update the data recorded on the magnetic stripe of the card after a transaction, the data is written on the magnetic stripe. Furthermore, it has an imprint function that transfers the recorded contents in the form of embossed characters and symbols on the card to the discount slip and transaction slip. In addition, this device has the function of printing the card account number, one type of date, and the amount related to the transaction on the transaction slip and transaction slip.

Furthermore, when a passbook is inserted through the passbook insertion slot 2a shown in FIG. This device has the function of writing data on the magnetic stripe in order to update the contents of the stripe, and the function of printing one type of transaction date, amount, etc. on the passbook.

During a deposit transaction, the banknote deposit/withdrawal device 3 separates and conveys banknotes input by the customer one by one from the banknote deposit/withdrawal port 3a shown in FIG. 3, and checks the denomination, authenticity, and damage of the banknotes. The banknotes are collected in a designated safe based on the identification results, and in the case of a withdrawal transaction, the banknotes of the amount specified by the customer are separated from the designated safe and transported, and the banknotes are deposited and withdrawn. Gold mouth 3a
This is a device that performs operations such as opening the shutter of the bottle and releasing water to the customer.

The display section 4 consists of a cathode ray tube display or the like, and is a device used to guide and instruct the customer on operating procedures and to display the transaction amount. This device is controlled by a display control section 8, and the guidance data displayed on the display section 4 is stored in a guidance data storage section 7.

The transaction selection section 5 is used by the customer to select some types of business that can be handled by this automated teller machine, and is made up of four keys.

FIG. 4 shows its front view.

That is, the transaction selection unit 5 includes a deposit transaction key 51 for performing a deposit transaction, a payment transaction key 52 for performing a payment transaction, a balance inquiry key 53 for requesting a balance inquiry, and a transaction information input to an unrecorded passbook. A bookkeeping transaction key 54 for entering information is provided.

The transaction operation unit 6 also provides keys for the customer to operate the automated teller machine and enter numbers and amounts necessary for making a transaction, or an intention to approve or disapprove the processing of the automated teller machine. This is the prepared part.

FIG. 5 shows a top view of the transaction operation section.

Here, confirmation key 61, cancel key 62, numerical key 6
3, 10,000 key 64, 1,000 key 65, yen key 66, correction key 6
7 is provided.

The confirmation key 61 is a key for inputting the customer's intention to approve the operation of the device based on the contents entered using the numerical keys 63 etc., and the cancel key 62 is a key for inputting the customer's intention to approve the operation of the device based on the contents inputted using the numerical keys 63 etc., and the cancel key 62 is a key for inputting the customer's intention to approve the operation of the device based on the contents inputted using the numerical keys 63 etc. This key is used when
The correction key 67 is a key that is pressed to invalidate the previous input and enable re-input when there is an error in the content entered manually using the numerical keys 63 or the like.

The keys of the transaction selection section 5 and transaction operation section 6 shown in FIG. 2 are periodically scanned by the key manual control section 9 and their input signals are read.

The main control device 1o comprehensively controls the operation of each part of the device,
This device communicates necessary data with the center computer 12 based on the customer's operations and executes transaction operations.

FIG. 6 shows a flowchart of the specific operation of the above-mentioned conventional device. In the flowchart shown in the figure, the portion surrounded by double lines indicates the guidance data displayed on the display section 4 shown in FIG.

First, when a transaction is started, the display section 4 shown in FIG. 2 displays "Welcome. Please specify your desired transaction using the transaction selection key." (Step Sl). Here, the device monitors the depression of the transaction selection key (step S
2). When the customer presses any key in the transaction selection section 5 shown in FIG. 4, the key control section 9 shown in FIG. 2 determines which key was pressed, reads the contents, and
The input key information is transmitted to the main controller 10. When the main controller 10 determines that this input key information indicates that the withdrawal transaction key has been pressed (step S3), the guidance data "Please insert your card" is read from the guidance data storage section 7. , is displayed on the display section 4 by the display control section 8 (step S4). When the customer inserts the card from the card insertion slot 1a shown in FIG. 3 according to this display, the card league printer device 1 shown in FIG. Read account number, PIN number, etc. (Step S5)
).

Next, you will be prompted to "Please enter your PIN."
The information is read from the guide data storage section 7 and displayed on the display section 4 by the display control section 8 (step S6). Accordingly, when the customer enters a password using the numerical keys 63 shown in FIG. 5, this password is read by the key manual control unit 9 shown in FIG. 2 and transmitted to the main controller 10.

The main controller 10 first controls the card league printer device 1.
Compares the PIN read by the customer with the PIN entered by the customer and determines whether they match (
Step S7). If there is a mismatch, the process moves to re-input processing. If there is a match, please enter the desired withdrawal amount. ” is stored in the guidance data storage unit 7.
and displayed on the display unit 4 (step S8).
.

Next, the customer presses the numeric key 63 shown in FIG. 10,000 keys 64
．． Enter the desired withdrawal amount by operating the thousand key 651, yen key 66, etc. The device monitors the completion of this amount of human effort (
Step S9). Then, the input amount is displayed on the display section 4, and the message ``Please check the displayed amount and press the confirmation key.'' ” is also displayed (step 5IO). This display is performed by combining guidance data and input data. When the customer confirms the content displayed on the display section 4 and presses the confirmation key 61 shown in FIG. 5, the key manual control section 9 transmits the press data to the main control device 10 (step 5ll).

In this way, the customer's manual operation regarding the withdrawal transaction is completed, and the main controller 10 starts the transaction based on the data previously read from the magnetic stripe of the card and the transaction content data obtained by the customer's series of key operations. Communication control unit 1 in Figure 2
1 to communicate with the center computer 12 (step 512). As a result of this communication, if it is determined that the deposit balance of the corresponding account exceeds the desired withdrawal amount and that there is no other problem with the transaction (step 513), slip printing and banknote counting are executed (step 514).

That is, the main controller 10 instructs the banknote deposit/withdrawal device 3 to count the number of banknotes corresponding to the withdrawal amount from each denomination safe and transport them to the banknote deposit/withdrawal port 3a shown in FIG. do. Furthermore, it instructs the card league printer l to print a transaction slip containing information regarding the transaction date, transaction type account number, transaction amount, and deposit balance after the transaction, as well as a journal.

When the above processing is completed, the guidance data "Please take your card" is displayed on the display section 4 (step 515). Subsequently, the card reader/printer device 1 transports the card to the card insertion slot 1a shown in FIG. 3 and returns it to the customer (step 516). When the card is removed by the customer and the card return operation is completed, guidance data "Please take the slip." is displayed on the display unit 4 (step 517). Then, the card reader/printer device 1 ejects the slip (step 518). When the slip is removed, guidance data "Please accept cash" is displayed on the display section 4 (step 519), and the bill is removed. The deposit/withdrawal device 3 opens the shutter of the banknote deposit/withdrawal port 3a shown in FIG. 3 and releases the cash (step 520). When the customer withdraws cash, the guidance data "Thank you" is displayed at the end. The transaction is displayed on the display section 4 (step 521), and after a certain period of time has passed, the state shifts to the first transaction waiting state. In the transaction waiting state, the message "Welcome" shown in step S1 is displayed.

Please specify the desired transaction using the transaction selection key. ” is displayed.

By the way, in step Sll, the customer presses the confirmation key 6.
If the cancel key 62 is pressed instead of 1, the message ``Please remove your card.'' is displayed (step 522). In addition, in step S13, if the result of communication with the center computer is that the deposit balance or withdrawal amount of the corresponding account is lower than the desired withdrawal amount, the message "The balance is insufficient for the specified amount. The card will be returned. ” is displayed on the display unit 4 (step 523).
. After the guidance data is displayed in steps S22 and S23, the cart is returned in both cases (
Step 524), the transaction is ended and the process moves to step S1, which is a new transaction waiting state.

Next, a description will be given of the case where the balance inquiry key 53 is pressed in step S3.

In this case, the process moves from step S3 to step S25,
If a key other than the balance inquiry key is pressed, the process will proceed to other transaction processing, but if the balance inquiry key is pressed,
Guidance data "Please insert your card" is displayed (step 526). Step S27. S28,
529LL, all at step S5. S6. The operation is exactly the same as in S7, and the card magnetic stripe is read and the password is entered manually and confirmed. Then, in step S30, communication is performed with the center computer, and the result is printed on a slip (step 531).

That is, here, the main control device 10 sends the deposit balance data of the corresponding account received from the center computer 12 to the card reader/printer device 1, and prints the transaction date and time, transaction account number, and deposit balance information on the transaction slip. command to do so. After printing the slip, insert the card into the card slot 1a shown in Figure 3.
Please return the card to step 532). ” (Step 533)
). When the customer picks up the cart and returns the card, the slip is released (step 534), and the message "Please pick up the slip" is displayed (step 535).
. The balance inquiry transaction is now completed, and after the message "Thank you" is displayed (step 536), the process returns to the transaction waiting state (step Sl).

(Problem to be Solved by the Invention) By the way, the operation of the conventional automated teller machine as explained above is such that when the customer presses the four types of keys in the transaction selection section, each of the four types of keys in the transaction selection section is processed according to the transaction. However, in this case, the following problems occurred.

For example, now that automatic transfers and automatic transfers of salaries, utility bills, etc. have become widespread, customers often do not bring their bankbooks with them. In this case, it is not always easy for the customer to know the balance.

Therefore, although payment transactions are often performed after checking the balance, in conventional automatic teller machines, a new payment transaction is executed after completing the balance inquiry transaction. Since each transaction is completely independent, the PIN number must be re-entered at least twice, which poses the problem of increasing the number of customer operations and waiting time.

Furthermore, if you suddenly need funds, such as just before payday, or if the balance in your savings account is insufficient, you can use it as collateral to reduce your savings account balance without canceling your regular deposit in your general account. The number of cases in which loans are obtained by displaying information is also increasing. In such cases, there is usually a limit on the loan amount. However, since the loan limit is unknown to the customer, this also poses a problem.

In order to solve the above problem, Japanese Patent Application Laid-Open No. 61-26198 proposes that when inquiring the balance, by pressing the amount input key or the cancel key, the transaction can be completed by only inquiring the balance, or the payment transaction can be completed. This article introduces a method that allows you to choose whether to migrate to .

However, this method was not always satisfactory in terms of requiring natural and friendly key operations according to the customer's purpose of transaction.

The present invention has been made with attention to the above points, and an object of the present invention is to provide an automated teller machine with good operability for customers.

(Means for Solving the Problems) The automatic teller machine of the present invention includes a payment/inquiry determination unit that determines that a payment/inquiry transaction request has been made when a payment transaction key and a balance inquiry transaction key are pressed at the same time. , a balance storage unit that stores balance data used in the payment/inquiry transaction, a loan limit storage unit that stores loan limit data used in the payment/inquiry transaction, and a time at which the payment/inquiry transaction starts. The present invention is characterized by comprising a display control unit that reads the balance data and the loan limit data and displays the balance and the loan limit together on a display unit.

(Operation) The above device allows the customer to press the payment transaction key and the balance inquiry key at the same time. In this case, the device of the present invention determines that there is a payment inquiry transaction request, and performs substantially the same processing as a payment transaction. however,
In that case, the deposit balance and the loan limit are displayed simultaneously on the display section. This allows the customer to input the desired withdrawal amount while checking the balance and loan limit. This allows the customer to input an appropriate withdrawal amount by inputting the personal identification number once, thereby shortening the transaction time.

(Example) The present invention will be described in detail below using seven examples.

FIG. 1 is a block diagram showing an embodiment of the automatic teller machine of the present invention.

This device includes a card reader/printer device 1, a passbook league/printer device 2, a banknote deposit/withdrawal device 3, a display section 4, a transaction selection section 5, a transaction operation section 6, and a guidance data storage section 7. , a display control section 8, a key manual control section 9, and a communication control section 11 are connected to a main control device 10.

These blocks are the same as those in the conventional device shown in FIG. 2, and the same blocks are given the same reference numerals. Further, the specific configuration of each block is exactly the same as that explained in FIG. 2, and redundant explanation will be omitted.

In the figure, the portion where the communication control section 11 connects the main control device 10 and the center computer 12 and controls the transmission and reception of data is also exactly the same as in the example of FIG. 2.

By the way, the device of the present invention is provided with a balance storage section 15, a loan limit storage section 16, and a payment inquiry determination section 17 in addition to these blocks.

The balance storage section 15 is a memory for storing balance data, and the loan limit storage section 16 is a memory for storing the loan limit. Further, when the payment transaction key 52 and the balance inquiry key 53 are pressed at the same time, the payment inquiry determination unit 17 determines that a payment inquiry transaction request has been made, and transmits this to the main controller 10. This circuit is made up of 1111 AND circuits and the like.

Additionally, the device of the present invention allows two keys to be pressed at once if the customer desires to perform both a balance inquiry and a payment transaction at the same time. If both are pressed one after the other or at the same time, the payment inquiry determination unit 17
determines this, and the main controller 10 executes a normal payment transaction, and also receives balance data corresponding to the deposit balance of the account, loan limit data, etc. from the center computer 12, and stores it in the balance storage unit 15. and stored in the loan limit storage unit 16. Then, at the start of the payment inquiry transaction, the display control section 8 displays the information stored in the balance storage section 15 and the loan limit storage section 16 together with the normal guidance data stored in the guidance data storage section 7 on the display section 4. Control is performed so that the balance and loan limit are displayed together.

The specific operation of the apparatus of the present invention will be explained below.

FIG. 7 is a flowchart showing the operation of the apparatus of the present invention.

First, when the equipment starts operating, the message "Welcome" appears. Please specify the desired transaction using the transaction selection key. ”
The guidance data is read out from the guidance data storage section 7 shown in FIG.
(Step Sl).

In addition, in the flowchart shown in the figure, this guidance data is displayed in a double line frame.

Here, the device monitors the depression of the transaction selection key (step S2). When the customer presses any key in the transaction selection unit 5 shown in FIG. 1, the key control unit 9 determines which key was pressed, reads the content, and controls the input key information. to the device 10. If this manual key information indicates that the withdrawal transaction key was pressed, the main controller 10
If it is determined (Step S3), please press the ``Balance Inquiry Key'' if balance inquiry is necessary, or the r confirmation key if not. ” is displayed (step S4
). If the balance inquiry key is pressed here, the payment inquiry determination unit 17 determines that there is a request for payment/inquiry and withdrawal (step S5). In this case, the message "Please insert your card."

'' is read from the guide data storage section 7 and displayed on the display section 4 by the display control section 8 (step S6). Note that if the confirmation key is pressed, the transaction will proceed to a withdrawal transaction. When the customer inserts the card from the card insertion slot 1a shown in FIG. 3 according to the display on the display unit 4, the card reader/printer device 1 shown in FIG. Read the financial institution code, account number, pin number, etc. (Step $7).

Next, you will be prompted to "Please enter your PIN."
The information is read from the guide data storage section 7 and displayed on the display section 4 by the display control section 8 (step S8). Accordingly, when the customer manually enters the PIN number using the numerical keys 63 shown in FIG.
and transmitted to the main controller 10.

The main control device 10 first receives the card reader/printer device 1.
Compares the PIN read by the customer with the PIN entered by the customer and determines whether they match (
Step S9). If there is a mismatch, the process moves to re-input processing. If they match, the CPU 11 communicates with the center computer 12 in step SIO, receives the balance data and loan limit data, and stores them in the balance storage section 15 and the loan limit storage section 16, respectively. Thereafter, the display control section 8 reads out the balance data, loan limit data, and guidance data. As a result, the guidance data "Please enter your desired withdrawal amount", the balance and the loan limit are displayed on the display section 4 (step 811). Its contents are as follows.

[Please enter your desired payment amount manually Balance △△
10,000△1,000 yen Loan limit Roro 1,000,000 yen” Next, the customer presses the numerical key 63 shown in Figure 1. 10,000 keys 64
．． Enter the desired withdrawal amount by operating the thousand key 651, yen key 66, etc. The device monitors the completion of this amount entry (
Step 512). Then, the input amount is displayed on the display unit 4, along with the guidance data "Please confirm the input amount and press the confirmation key."
"Balance" and "Loan Limit" are also displayed (step 513). This display is performed by combining guidance data, input data, etc. Its contents are as follows.

``Please confirm the input amount and press the confirmation key.Balance: △△10,000,000 yen Loan limit: Roro, 1,000,000 yen Payment amount: 0,000,000,000 yen'' Contents displayed on the display section 4 by the customer When you confirm this and press the confirmation key 61 shown in FIG.
The press data is transmitted to the main controller 10 (step 514).

In this way, the customer's input operation regarding the withdrawal transaction is completed, and the main controller 10, based on the data previously read from the magnetic stripe of the card and the transaction content data obtained by the customer's series of key operations, Communication control unit 1 in Fig. 1
1 to communicate with the center computer 12 (step 515). As a result of this communication, the deposit balance or loan limit of the relevant account exceeds the desired withdrawal amount, and other
Especially if it is determined that there is no problem with the transaction (Step 5)
16) Perform slip printing (printing of payment amount and balance) and banknote counting (step 517).

That is, the main controller 10 instructs the banknote deposit/withdrawal device 3 to count the number of banknotes corresponding to the withdrawal amount from each denomination safe and transport them to the banknote deposit/withdrawal port 3a shown in FIG. do. Furthermore, it instructs the card league printer device 1 to print a transaction slip containing information regarding the transaction date, transaction type account number, transaction amount, and deposit balance after the transaction, and a journal.

When the above processing is completed, the guidance data "Please pick up your card" is displayed on the display section 4 (step 518). Subsequently, the card league printer device 1 transports the card to the card insertion slot 1a shown in FIG. 3 and returns it to the customer (step 519). When the card is removed by the customer and the card return operation is completed, guidance data "Please take the slip." is displayed on the display unit 4 (step 520). Then, the card league printer device 1 emits a slip (step 521). When the slip is removed, the guidance data "Please accept cash" is displayed on the display unit 4 (step 522), and the bill deposit/withdrawal device 3 opens the bill deposit/withdrawal slot 3a shown in FIG. The shutter is opened to release the cash (step 523). When cash is withdrawn by the customer,
Finally, the guidance data "Thank you." is displayed on the display section 4 (step 524), and after a certain period of time has passed, the process shifts to the first transaction waiting state. In the transaction waiting state, the guidance data "Welcome. Please specify your desired transaction using the transaction selection key" shown in step S1 is displayed.

By the way, in step SL4, the customer presses the confirmation key 6.
If the cancel key 62 is pressed instead of 1, the message ``Please remove your card.'' is displayed (step 525). The card is then returned (step 5).
26), the transaction is completed and the process moves to step S1, which is a new transaction waiting state. Further, in step S16,
As a result of communicating with Sentakunpi Yuta, if the deposit balance, loan limit, or withdrawal amount of the relevant account is lower than the desired withdrawal amount, the message ``The specified amount exceeds the limit. Please check and try again."
is displayed on the display unit 4 (step 527).
Return to step Sll.

In addition, in step S3, if the balance inquiry key 53 is pressed, the process moves from step S3 to step S28,
If a key other than the balance inquiry key is pressed, the process will proceed to other transaction processing, but if the balance inquiry key is pressed,
Normal balance inquiry processing is executed.

FIG. 8 is a flow chart of a modified example of the operation of the apparatus of the present invention.

In this flowchart, the part enclosed by the dashed line inserted between step S2 and step S6 in Fig. 7 is modified, and the other parts are the same as in Fig. 1, so their description is omitted. It is.

In FIG. 7, when the customer presses the withdrawal transaction key, the customer is asked whether or not a balance inquiry is necessary, and if necessary, the customer is then prompted to press the balance inquiry key.

On the other hand, in FIG. 8, if the customer desires both a withdrawal transaction and a balance inquiry, the customer presses both keys at the same time to execute the payment/inquiry transaction.

In the flowchart of FIG. 8, when the transaction selection key is pressed in step S2, it is determined whether it is a withdrawal transaction key, a balance inquiry key, or another key (step S31-532). When either the withdrawal transaction key or the balance inquiry key is pressed, the monitoring timer is started in either case (step 833゜3).
4). This monitoring timer is configured using a program timer or the like inside the main control device shown in FIG. The actual time measured by the timer is, for example, about 1 second. Then, it is determined whether the balance inquiry key or the withdrawal transaction key is subsequently pressed within this time period (steps S35 and 53).
6).

That is, if the withdrawal transaction key is pressed and the balance inquiry key is pressed almost at the same time, the process moves to the payment/inquiry process from step 86 (steps S35, S39, and S6). However, if the balance inquiry key is not pressed within a certain period of time after the withdrawal transaction key is pressed, the timer will expire (TIME).
0VER) (step 537), and the process shifts to normal withdrawal transaction processing. The same is true when the balance inquiry key is pressed first (step S36, 538).
Even if the customer presses two keys at the same time, one of them will be detected by the key manual control unit 10 first. Furthermore, when two keys are pressed at the same time, it is unlikely that one of them will be pressed with a delay of one second or more.

Therefore, in this embodiment, a timer is used for determination. Note that after the determination, the timer is cleared (step 534).

By the way, when executing a payment/inquiry transaction, for example, it is conceivable to add a new payment/inquiry transaction key to the conventional device and have the customer press the key.

However, if the payment transaction key and the balance transaction key are pressed at the same time or one after the other as in the present invention, there is an advantage that major mechanical modification of the conventional device is not required.

It is also conceivable to automatically display the balance and loan limit at all times in conventional payment transactions.

However, if payment/inquiry transactions are set up separately from payment transactions as in the present invention, communication time with the host computer can be omitted when balance inquiries are not required, and processing efficiency can be improved. .

The present invention is not limited to the above embodiments.

The balance storage unit 15 and the loan limit storage unit 16 may both be included in the guidance data storage unit 7, for example, and
The display control section 8 may be integrated with the main control device IO. Furthermore, the payment inquiry determination unit 17 also controls the main controller l.
It may be incorporated into o.

(Effects of the Invention) The automated teller machine of the present invention described above can perform balance inquiry and payment transaction in the same transaction when the customer presses both the payment transaction key and the balance inquiry key at the same time. , the customer can complete the necessary transaction by entering the PIN number once.

In addition, since the account deposit balance and loan limit are displayed at the same time, the desired withdrawal amount can be entered without exceeding these amounts, eliminating the hassle of re-entering, and reducing the overall transaction time of the device. be able to.

[Brief explanation of the drawing]

Fig. 1 is a block diagram of the automated teller machine of the present invention;
The figure is a block diagram of a conventional automated teller machine, Fig. 3 is an external view of a general automated teller machine, Fig. 4 is a top view of the transaction selection section, Fig. 5 is a top view of the transaction operation section, and Fig. 6 is a top view of the transaction selection section. 7 is a flowchart showing the operation of the conventional device, FIG. 7 is a flowchart showing the operation of the device of the present invention, and FIG. 8 is a flowchart of a modified example of the operation of the device of the present invention. ...Card league/blink device, ...Passbook reader/printer device, ...Banknote deposit/withdrawal device, 4...Display section,...Transaction selection section, 6...Transaction operation section,...・Guidance data storage unit,
8... Display control section,... Key manual control section, 10...
- Main control device, 1... Communication control unit, 12... Center computer, 5... Balance storage unit, 16... Loan limit storage unit, 7... Payment inquiry determination unit. Patent applicant: Oki Electric Industry Co., Ltd.

Claims (1)

[Scope of Claims] A payment/inquiry determination unit that determines that a payment/inquiry transaction request has been made when both a payment transaction key and a balance inquiry transaction key are pressed; and balance data used in the payment/inquiry transaction. a balance storage unit that stores the loan limit data used in the payment/inquiry transaction; and a loan limit storage unit that stores the loan limit data used in the payment/inquiry transaction; 1. An automatic cash transaction device comprising: a display control unit that reads the information and displays the balance and loan limit amount on the display unit.