JPH0362160A - Method and system for automated teller business - Google Patents

Abstract

PURPOSE:To improve processing efficiency by rearranging plural transaction data inputted from plural transaction contents input devices in rotation as received, and displaying that result, and simultaneously, transmitting it to an automated cash dealing device, and executing transaction with a proper transactor. CONSTITUTION:On reception of the transaction data showing the contents of the transaction inputted from the transaction contents input devices 2a to 2d by a user, a card to show a receipt number or personal identification information is issued to the user. The transaction data is rearranged in rotation as received, and the device to execute the transaction is determined from among the automated cash dealing devices 1a to 1d, and the result is displayed on a call displaying board 3, and simultaneously, the transaction data is transmitted to the determined automated cash dealing device. In the above-mentioned automated cash dealing device, the proper transactor is decided by confirming coincidence between the information described on the card inserted from the user and the number or the personal identification information included in the transaction data. When the user is confirmed to be the proper transactor, the transaction is executed with the user on the basis of the transmitted transaction data.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to an automatic cash transaction method and device, particularly for improving processing capacity, equalizing the waiting time of each user, and reducing the difference in waiting time. The present invention relates to an automatic cash transaction method and device suitable for eliminating a sense of inequality and further improving fund management efficiency.

[Conventional technology]

In recent years, banks and other financial institutions have installed automated teller machines in a corner of the store or outside the store to accept and accept users' cards or passbooks, and to perform transactions requested by users, such as deposit withdrawals, deposits, and passbooks. Filling in and transferring money are done automatically to improve services for users. Such an automatic teller machine, as disclosed in Japanese Patent Application Laid-Open No. 59-149583, is capable of handling everything from inputting transaction details to transactions using banknotes, passbooks, etc. as media. It is configured to do this automatically.

When installing such automated teller machines, each financial institution decides on the number of machines to be installed, taking into consideration expected usage conditions and the investment required to install the machines. therefore,
On certain days of the week and at certain times, the service can become crowded with users, causing waiting times and inconveniencing users. Furthermore, recently, the utilization rate of this device has increased due to holiday operation services, etc., and this kind of congestion situation tends to increase more and more.

[Problem to be solved by the invention]

In the above-mentioned conventional technology, in order to alleviate user congestion, it is necessary to increase the number of automated teller machines installed, which poses a problem in that financial institutions have to make an expensive investment.

In addition, at an automated teller machine corner where automated teller machines are installed, when the machine is crowded, the user selects the one that is expected to have the least waiting time among the machines that can perform the desired transaction.
You will queue up after other users waiting to transact on that device, but the actual waiting time varies depending on the transaction details of the user who transacts first, so in some cases , it gives customers a sense of unfairness.

Furthermore, among the multiple automated teller machines installed, -
Even though one device is running out of banknotes due to repeated withdrawals of large amounts of deposits, another device is repeatedly deposited and deposited, and the banknotes become full in the device. A phenomenon like this may occur. Therefore, there is a problem in that it requires staff operations and also reduces the efficiency of fund management for financial institutions.

In addition, in conventional automated teller machines, while a user is inputting transaction details using a transaction input mechanism,
The mechanism for handling cash was in a stopped state, and conversely, while the mechanism for handling cash was in an operating state, the input mechanism for transaction details was in a stopped state. Therefore, there was a problem in terms of the operating rate of the automatic teller machine.

The purpose of the present invention is to improve the processing efficiency of users' transactions with a relatively low investment, and to improve the processing efficiency of users' transactions even if it causes waiting time for users when multiple automatic cash handling devices are installed. An object of the present invention is to provide an automatic cash transaction method and device that do not give a sense of unfairness to users and can improve fund management efficiency and device operating rate for financial institutions.

[Means to solve the problem]

The automatic cash transaction method of the present invention includes a first step of accepting transaction data indicating transaction details input by a user from a transaction details input device, and issuing a tag indicating a number and personal identification information to the user. is the second step in which the user repeats the first step in the transaction details input device.
and an automatic cash handling device which sequentially organizes the transaction data inputted from the transaction content input device. , a third step of displaying the result on the display board and notifying the user, and transmitting the transaction data to the automated cash handling device that has been screened; The fourth step is to confirm the match between the information written in the above hole and the above number and personal identification information included in the transaction data to determine the legitimate transactor. If it is confirmed that this is the case, the fifth step is to execute a transaction with the user based on the transmitted transaction data.

The automatic cash transaction system of the present invention also includes a transaction details input device that accepts transaction data indicating transaction details input by a user, and the reception desk issues a tag indicating a number and personal identification information to the user; The reception of the transaction data inputted from the above-mentioned transaction details input device is carried out in order by determining an automatic cash handling device characterized by comprising: an automatic cash handling device handling device; The above-mentioned transaction data and reception are transmitted by a terminal control device that transmits numbers and personal identification information, and also transmits data indicating the correspondence with the automatic cash handling device that performs the transaction to a notification device for the user, and A notification device that announces the correspondence relationship with one automatic cash handling device, and a system that communicates the number and personal identification information written on the number plate inserted by the user and the number and personal identification information included in the transaction data. The transaction consists of confirming the match and confirming that the transaction is legitimate.

[Function] In the conventional technology, an automatic teller machine is composed of an input unit such as a keyboard, a display unit such as a display, a media handling unit that handles cards, banknotes, passbooks, and coins, etc.
One user's transaction time consists of transaction data input time such as selecting transaction details, inputting amount, and password input, time for communicating with the host computer, and transaction processing time for handling the above-mentioned media. The transaction capacity per unit time of the automatic cash handling device is the reciprocal of the sum of the transaction data input time and the transaction processing time.

On the other hand, according to the present invention, in order for a user to conduct a transaction, a transaction details input device and an automatic cash handling device are required, and the capital investment is higher than that of the prior art. However, while an automated cash handling device is processing a transaction, it becomes possible for the next user to enter the transaction details, so the transaction capacity per unit time is determined by the input time of the transaction entry device or the automated cash handling device. It is the reciprocal of the longer transaction processing time, and the transaction capacity is significantly improved compared to the past. Therefore, when the number of users is large and it is necessary to increase the number of conventional automatic cash handling devices installed, the method and system of the present invention can be adopted to reduce the cost of expensive automatic cash handling devices that handle banknotes, passbooks, etc. By reducing investment in handling equipment, and by having the terminal control device determine the calling order of users who have entered transaction details and assigning them to the automatic cash handling equipment that will carry out the transaction, the waiting time for users will be reduced and services will be improved. can be achieved.

Furthermore, even when users have to wait for a while, according to the present invention, transactions can be made in the order in which they are entered on the transaction details input device, so the difference in waiting time with other users is small and This eliminates the feeling of unfairness regarding time.

【Example〕

The present invention will be described in more detail below with reference to embodiments shown in the accompanying drawings.

FIG. 1 is a block diagram showing one embodiment of the present invention. As shown in Figure 1, automatic machine corner 4 of financial institutions such as banks
, users can make deposit withdrawals, deposits, transfers, passbook entries, etc.
A transaction details input device 2a for selecting a desired transaction from balance inquiries, etc., inputting the amount of the transaction, and inputting a card one after another.
-2f and automatic cash handling bags 31a-l in which a user who inputs the transaction details using any one of the transaction details input devices 2a-2f executes the transaction using cash, a passbook, etc. as a medium.
d, and displays/announces to the user who inputs the transaction details using the transaction details input devices 2a to 2f that the transaction can be executed in any one of the automatic cash handling devices 1a to 1d. A call display board 3 is installed. Furthermore, the automatic cash handling devices 1a to 1d, transaction details input devices 2a to 2f, and call display board 4 are each connected to a terminal control device 5. The terminal control device 5 identifies the transaction details transmitted from the transaction details input devices 2a to 2f, and determines the transaction order of the user and which of the automatic cash handling devices 1a to 1d to perform the transaction. Then, the result is transmitted to the automatic cash handling device that performs transactions with the call display board 4. Further, the terminal control device 5 is connected to a host computer 6.

Next, the operation of the embodiment shown in FIG. 1 will be explained according to the operating procedure of a user visiting the automatic machine corner 4. First, a user who comes to the automatic machine corner 4 selects a vacant device that is not in use from among the plurality of transaction details input devices 2a to 2f installed, and starts inputting transaction details.

In addition, if all the transaction details input devices 2a to 2f are in use, wait behind the user who is using one of the devices, and enter the transaction details after the previous user has finished inputting. Start.

As shown in FIG. 2, the operating portions of the transaction details input devices 2a to 2f are provided with a touch sensor-equipped display 21, a card insertion slot 22, and a number plate issuing slot 23. The touch sensor display 21 guides the user by displaying operating procedures and other information using text and illustrations, and also displays information such as the PIN number, amount, account number, approval, confirmation, or cancellation of transactions, etc. By pressing the corresponding display part, a touch sensor (not shown) detects this and inputs the details of the transaction.

Further, the card insertion slot 22 is for inserting a magnetic card as a transaction medium that records the user's account information, and the number plate issuing slot 23 is for guiding the user who has finished inputting the transaction details. By automatic cash handling equipment! 1
This will issue the necessary number tags to guide you to stations a-1d.

A user who starts inputting transaction details using the transaction details input devices 2a to 2f selects the transaction type displayed on the touch sensor display 21, such as deposit withdrawal, deposit deposit, etc.
Press the display section of the desired transaction from among transfer, passbook entry, and balance inquiry. For example, when the user inputs a deposit withdrawal request, a request to insert a card is displayed on the display 21,
A user inserts a card from the card insertion slot 22. Thereafter, the user follows the instructions displayed on the display 21 and enters the PIN number and payout amount. These input information and the account information read from the magnetic card are transmitted to the terminal control device 5, and the information such as the inquiry of the PIN number and the payable amount are exchanged with the host computer 6, so that the input transaction can be executed. It will be determined whether If the transaction is not possible, a message to that effect is displayed on the display 21, and re-input is requested. If it is determined that the transaction is possible, a number tag preset in the device is issued from the number tag issuing port 23.

The number on this number plate is also transmitted to the terminal control device 5.

Further, when a deposit, a bankbook entry, and a balance inquiry are input, a number plate is issued from the number plate issuing slot 23. moreover,
When a transfer is input, follow the instructions displayed on the display 21 to input the account number and name of the transfer destination, and the input information is transmitted to the terminal control unit W5 and transferred to the host computer 6. If communication is carried out and it is determined that transactions are possible, a number tag is issued from the number tag issuing port 23.

As described above, a number tag is issued to each user who desires any transaction, and the user is made to wait until the number of the number tag is displayed on the call display board 3.

The number of the number plate issued to the user and the transaction details from each of the transaction details input devices 2a to 2f are transmitted to the terminal control device 5 and stored in the built-in memory in the order of transfer. A description will now be given of how to allocate the transactions stored in this manner to the automated teller machines 1a to 1d and to guide the corresponding users to the assigned automated teller machines using the call display board 3.

The call display board 3, as shown in FIG.
For each symbol A-F, the number of the next transaction to be executed is displayed in the number display section 3.
Displayed on a to 3f.

The user who is waiting after inputting the transaction details and receiving the number tag, when his or her number is displayed on one of the number display sections 3a to 3f, calls the designated automatic cash handling device (la to 3f). 1d), the user who is in the middle of a transaction starts his or her own transaction after completing the transaction.

Further, the numbers displayed on the number display sections 3a to 3f of the call display board 3 are transmitted from the terminal control device 5, and the numbers displayed on the number display sections 3a to 3f of the call display board 3 are transmitted from the terminal control device 5 to each of the automatic cash handling devices 1a to 3f.
The system monitors the operating status of 1F and the remaining amount of banknotes and passbooks. If a transaction is not started even after a predetermined period of time has elapsed, the automatic cash handling device 1a executes the transaction contents in order from the oldest one among the transactions stored in the built-in memory. The automatic cash handling device 1a determines whether or not there is an abnormality in the remaining amount of media in banknotes or passbooks when the transaction occurs, and transmits the number of the transaction for which the remaining amount of media is not abnormal to the number display unit 3a.
The details of the transaction and the number will also be sent to.

In the user guidance method described above, the call display board 3 displays information about each automatic cash handling device La to Id.
It is configured to display the number of one transaction of a user, and if the called user does not make a transaction, the operation of the corresponding automatic cash handling device will be stopped for a predetermined period of time. In order to avoid such a situation, for example, the call display board 3 displays the transaction number for each automatic cash handling device 1a to 1d, and each automatic cash handling device can perform transactions with any number displayed. is set to the state. Then, when a transaction by a user corresponding to the displayed number is started, or when a transaction is not started even after a predetermined period of time, the terminal control device 5 controls the next transaction in the same manner as described above. It is also possible to allocate a number.

Next, the transaction method of the user guided to the automatic cash handling device 1a will be explained using FIG. 4.

As shown in FIG. 4, the operation surface of the automatic cash handling device 1a includes a display 11 with a touch sensor and a number plate insertion slot 1.
2, a banknote deposit/withdrawal port 13, a passbook/statement deposit port 14, and a coin withdrawal port 15. First, the touch sensor display 11 displays the number sent from the terminal control device 5,
A request to insert the number plate with that number into the number plate insertion slot 12 is displayed. After detecting that the number plate has been inserted, the automatic cash handling device 1a withdraws the input amount and outputs a statement according to the already transmitted transaction details, for example, in the case of deposit withdrawal. In the case of a deposit, a statement will be issued after confirming and inputting the counted value of the deposited cash. In addition, in the case of deposit withdrawals and deposits, a passbook can be accepted and entries can be made in the passbook instead of the statement. If you are filling in your passbook, insert the passbook and return it. In the case of transfer, the user will return the change and issue a statement after making the payment. Note that when it is necessary to update the user's account data, such as when depositing or withdrawing a deposit, this is done via the terminal control device 5.

In the above-mentioned embodiment, the PIN number is entered from the transaction details input devices 2a to 2f, but another method is to insert the number plate into the automatic cash handling devices 1a to 1d and then enter the PIN number from the transaction details input devices 2a to 2f. It may also be possible to input a number and execute a cash transaction.

As is clear from the above description, according to the above embodiment,
During busy times, the transaction details input device and the automatic cash handling device can be kept in operation at all times without being idle, so transaction processing capacity can be greatly improved. Therefore, compared to installing conventional automatic teller machines, it is possible to improve transaction processing capacity with a low investment. It is possible to improve the efficiency of fund management for financial institutions without giving users a sense of unfair waiting time.

〔Effect of the invention〕

According to the present invention, it is possible to improve the transaction processing capacity with a lower investment compared to the conventional technology, and it is possible to reduce the waiting time of the users and improve the service.

Furthermore, even if a large number of users visit the store and a waiting state occurs, transactions are completed in the order in which transaction details are entered, thereby eliminating the need for users to feel unfair about the waiting time.

Furthermore, by centrally monitoring the funds in the installed automatic handling machine using the terminal control device, it is possible to improve the efficiency of fund management.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing an embodiment of the present invention, FIG. 2 is a perspective view showing an example of the external appearance of the transaction details input device shown in FIG. 1, and FIG. 3 is a call display board 3 shown in FIG. 1. FIG. 4 is a perspective view showing an example of the external appearance of the automatic cash handling device shown in FIG. 1. FIG. la~1d... automatic cash handling device, 2a~2f...
Transaction details input device, 3... call display board, 5...
Terminal control device.

Claims (1)

[Scope of Claims] 1. A first step of accepting transaction data indicating transaction details input by a user from a transaction details input device and issuing a tag indicating a reception number and personal identification information to the user; a second step in which the first step is repeated by a plurality of users in the plurality of transaction details input devices; One automated cash handling device to perform the transaction is determined from among the automated cash handling devices, the results are displayed on a display board and the user is notified, and the transaction data is transmitted to the designated automated cash handling device. The automatic cash handling device confirms that the information written on the tag inserted by the user matches the number and personal identification information included in the transaction data, and confirms that the transaction is legitimate. a fourth step of determining the identity of the user; and a fifth step of executing a transaction with the user based on the transmitted transaction data if the user is confirmed to be a legitimate transaction person in the fourth step; , An automated cash transaction method comprising: 2. In the third step above, when determining one automated cash handling device to perform the transaction from among multiple cash handling devices, the cash balance and transaction details stored in each automated cash handling device are taken into account. 2. The automatic cash handling device according to claim 1, wherein the automatic cash handling device is determined so that each automatic cash handling device does not become unable to perform transactions and the transaction time as a whole becomes the shortest possible time. Automatic cash transaction method. 3. In the first step above, after the user inputs the transaction data, it is determined by contacting the center whether the transaction is possible or not, and only if it is determined that the transaction is possible, the above tag is transferred to the user. 2. The automatic cash transaction method according to claim 1, wherein the automatic cash transaction method is issued to: 4. The automated cash transaction method according to claim 1, wherein in the third step, the display board displays a plurality of transactions regarding the same automated cash handling device. 5. A plurality of transaction details input devices that accept transaction data indicating transaction details entered by users and issue tags indicating receipt numbers and personal identification information to the users; In the order in which the transaction data is received, one automated cash handling device is selected from among the multiple automated cash handling devices to perform the transaction, and the transaction data, reception number, and personal identification information are transmitted to the designated automated cash handling device. , and a terminal control device that sends data indicating the correspondence with the automatic cash handling device that performs the transaction to the notification device to the user, and a terminal control device that notifies the user of the correspondence between the above transaction and one automatic cash handling device that performs it. A notification device is used to confirm that the number and personal identification information written on the number plate inserted by the user match the number and personal identification information contained in the transaction data, and it is determined that the transaction is a legitimate transaction. and a plurality of automatic cash handling devices that execute transactions with users based on the transmitted transaction data. 6. The terminal control device, when determining one automatic cash handling device to perform a transaction from among a plurality of automatic cash handling devices, takes into account the cash balance and transaction details stored in each automatic cash handling device. 6. The automatic cash handling device according to claim 5, wherein the one automatic cash handling device is determined so that each automatic cash handling device does not become unable to perform transactions and the transaction time is the shortest for the entire system. Automatic cash transaction method. 7. The automatic cash transaction method according to claim 5, wherein the notification device simultaneously announces the correspondence between one automatic cash handling device and a plurality of transactions.