JPH04223562A - Automatic financing machine - Google Patents

Abstract

PURPOSE:To make it possible to process income and outgo regarding a plurality of accounts of a customer totally inside an automatic financing machine. CONSTITUTION:The above automatic financing machine receives a plurality of passbooks or card like personal identification media, reads out personal identification data of each personal identification medium and data necessary for financing by a banking organ sequentially from the above passbooks 2 or information recording section of card like personal identification media, stores the read out result, and further, the above automatic financing machine is equipped with a personal information reading means 20 for recording financed financial history or the like sequentially in the information recording section of each personal identification medium, a display control section 10 for displaying in the display section thereof an operating key guide screen for each account alone in accordance with financial selecting screen or a plurality of accounts integrally on a screen, and an arithmetic means 16 for carrying out arithmetic processing of financing amount between accounts and finally for calculating necessary income amount or outgo amount.

Description

[Detailed description of the invention]

0001

[Industrial Application Field] The present invention relates to an automatic financial transaction device that handles cash deposits, payments, passbook entries, transfers, and transfers as part of bank counter operations, and particularly relates to automatic financial transaction devices that handle cash deposits, payments, passbook entries, transfers, and transfers as part of bank counter operations. The present invention relates to an automatic financial transaction device that can perform processing such as deposits and payments on accounts all at once.

0002

[Prior Art] Conventional automatic financial transaction devices use magnetic information recording cards, IC cards, magnetic information recording passbooks, etc. (hereinafter referred to as
(referred to as a personal verification medium) that records account information that can be used by the customer and information necessary to confirm that the user of the automatic financial transaction device is the owner of the account, Perform any of the transactions that are part of bank counter operations, such as deposits, withdrawals, deposit balance inquiries, passbook entries, transfers, and transfers, either singly or continuously, for one account that matches the recorded information. The system requires pre-operations such as inserting a personal verification medium and entering a PIN number for each transaction or at the beginning of multiple transactions.

0003

[Problems to be Solved by the Invention] However, in the conventional automatic financial transaction device as described above, when transferring money between multiple accounts owned by a customer, the personal verification medium is first transferred from the payer's account. After performing pre-operations such as inserting the card and entering the PIN, withdraw cash, and after the personal verification medium is returned, perform pre-operations such as inserting the personal verification medium into the recipient's account and entering the PIN. Must insert cash.

[0004] Furthermore, even in withdrawal and deposit transactions from multiple accounts owned by a customer, preliminary operations such as inserting a personal verification medium and inputting a PIN number are required for each account.
One transaction must be completed for each account, which has caused the following problems in terms of operability, security, and management. First, as the number of transactions increases, the operation time for the same customer increases, and the waiting time for the next customer increases, leading to a decrease in the operational efficiency of the automatic financial transaction device.

[0005]Secondly, it is very troublesome for the customer to repeat the same pre-transaction operations every time a transaction is made, and there is a high possibility that operation errors will occur and the processing will be delayed.

[0006] Thirdly, there is an increase in the number of processes in which cash is handled within automatic financial transaction devices, which increases the possibility of cash accidents such as cash jams and miscounts, and reduces operational efficiency and reliability. .

Fourthly, customers spend a lot of time handling cash, which is highly likely to cause customers to miscount cash or commit various crimes.

[0008] The present invention was made in order to solve the above-mentioned problems from the viewpoint of operability, safety, and operational efficiency, and it allows deposits and withdrawals related to multiple accounts owned by a customer. The object of the present invention is to obtain an automatic financial transaction device that can perform batch processing within the device.

[0009]

[Means for Solving the Problems] The automatic financial transaction device according to the present invention receives a plurality of personal verification media in the form of bankbooks or cards and sequentially verifies each individual from the information recording section of these personal verification media in the form of bankbooks or cards. A personal information reading means that reads and stores in memory the personal verification data of the medium and the data required by the financial institution for the transaction, and sequentially records the transaction history etc. after the transaction in the information recording section of each personal verification medium, and a transaction selection screen. A display control unit that displays operation key guidance screens corresponding to each account individually or all at once on the display unit according to A calculation means for calculating the withdrawal amount is provided.

0010

[Operation] In the present invention, since the personal information reading means can display multiple accounts and deposit/withdrawal amounts on one screen, transactions for multiple accounts can be easily performed at once, and the customer can exclusively use the automatic financial transaction device. It saves time and increases customer turnover. Also, since the amount of cash handled is reduced, the incidence of jams and cash accidents is reduced. Furthermore, on the customer side, the amount of cash on hand is reduced, giving a sense of security, and redundant operations can be performed all at once, eliminating hassle.

[0011]

EXAMPLES The present invention will be explained below with reference to illustrated examples.

FIG. 1 is a conceptual diagram of an automatic financial transaction device according to an embodiment of the present invention. In the figure, numeral 1 is a card that stores the name of a financial institution (branch number of the financial institution), account number, type of deposit, and deposit balance (hereinafter referred to as transaction data). 2 is a passbook in which transaction data is stored.

Reference numeral 3 denotes a card personal information reading means, and when at least card 1 is inserted, the card becomes ready for insertion until a preset number of cards is reached.
Each time a card is inserted, the transaction data is read into the card read/write unit 4, and the transaction data is sequentially stored in the memory 8 of 1, so that the transaction data is stored. At each time, the inserted cards 1 are sequentially sent to the card holding section 5, and the cards are
If the next card 1 is not inserted within the preset time, or if the set number of cards is reached, it is determined that the insertion is complete, and the card insertion end signal 1 is issued as the card is not allowed to be inserted.
The transaction status data is output from the transaction status calculation means described later.
When the data is inputted, the transaction history is stored in the card 1 of the holding section 5 corresponding to the transaction status data, and the transaction history is ejected and written on the usage statement using the printer.

Reference numeral 9 denotes a display section, which displays a screen corresponding to screen data from a display control section, which will be described later.

Reference numeral 10 denotes a display control section, which reads screen data in the figures described below from a memory (not shown) and outputs it to the display section 9 based on commands from each section described below. This is to set the input data reading means, which will be described later, to indicate that the screen is being displayed.

FIG. 2 is an explanatory diagram for explaining the transaction selection screen.
Text corresponding to the key display such as "withdrawal/deposit" is stored in memory as a transaction selection screen, and the initial state is screen data read by the display control section 10 and output to the display section 9. .

FIG. 3 is an explanatory diagram illustrating the card insertion guidance screen. In the figure, when any key display on the transaction selection screen is selected, the display control unit 10 reads the data from the memory in response to a command from the input data reading means, which will be described later, and displays it as screen data on the transaction selection screen. 9, and compared to the conventional card insertion guidance screen, the first insertion end key is displayed and a text informing that it is possible to insert cards 1 in succession. They are different in that they are displayed.

FIG. 4 is an explanatory diagram illustrating the passbook insertion instruction screen. The figure shows that after the card insertion guidance screen is displayed, the card insertion end signal 1 from the card personal information reading means 3 or the first insertion end key display displayed on the display section is selected. , when a card insertion end signal 1 is input from the input data reading means to be described later, the data is read from the memory and displayed on the display section 9.
Compared to the conventional passbook insertion instruction screen, this screen data displays a second insertion end key and a text informing that it is possible to insert passbooks in succession. They are different in that they are

FIG. 5 is an explanatory diagram illustrating the PIN input screen, and in comparison with the conventional one, this figure shows that when the second insertion end key display in FIG. 4 is selected or the passbook insertion end signal described later is input This is screen data that can display the input confirmation display for the financial institution name, account number, type, and PIN number depending on the number of cards 1 inserted. This indicates that the transaction data (excluding the PIN number) from the multiple account PIN number determination means is read from the memory according to a command and is inserted into a predetermined display area and output as screen data to the display unit 9. It is.

FIG. 6 is an explanatory diagram illustrating the transaction amount specification screen. When the confirmation key display is selected on the screen data for inputting deposits or withdrawals using the numeric keys, for example, multiple cards can be entered. If 1 is inserted, the screen will change to the next financial institution's transaction amount specification screen, and the image data will be saved from memory.
It is read as a data and output to the display section 9.

FIG. 7 is an explanatory diagram illustrating a transaction confirmation screen for deposits and withdrawals. The figure shows the input data described later.
This image data is read from the memory and output to the display section 9 in response to a command from the data reading means, and is especially used for each financial institution.
This indicates that the amount of "deposit" or "withdrawal" is displayed.

[0022] Furthermore, "deposit" data or "withdrawal" data is output from transaction status calculation means, which will be described later.

FIG. 8 is an explanatory diagram illustrating a deposit transaction confirmation screen. The figure shows image data that is read from the memory and output to the display section 9 in response to a command from an input data reading means, which will be described later.
This shows that the amount of money is being displayed. Also,"
"Deposit" data is output from transaction status calculation means, which will be described later.

[0024] Reference numeral 11 denotes an input means consisting of a touch sensor, a touch sensor controller, etc. The touch sensor is located in front of the display unit 9, and when a key display displayed on the display unit 9 is selected, the touch sensor is The sensor controller reads the coordinates of the area touched and outputs the corresponding coordinate signal (hereinafter referred to as
This is to output input data (referred to as input data) to input data reading means, which will be described later.

Reference numeral 12 denotes an input data reading means, in which the screen data currently being displayed is set by the display control unit 10, and when input data is input from the input means 11, the setting is changed. For example, when the transaction selection screen is displayed, a data signal is input from the input means 11 in which the key display of "withdrawal/deposit" is selected. Then, a command signal corresponding to the data signal (in this case, referred to as a withdrawal/deposit display command signal) is output to the display control unit 10, and when the PIN input screen is displayed, the numeric keypad is input. When the data is input, it is converted into corresponding numerical data and output to the multiple account PIN number determination means described later. When the transaction amount specification screen in Figure 6 is displayed, input of deposit or withdrawal is performed. If there is data, it outputs a signal corresponding to the input data to the transaction amount setting means described later, and inputs the input data on the numeric keypad.
If there is data, the data is converted into numbers and output to the transaction amount setting means.

Input data for the confirmation key display and correction key display are output to various means described later.

Furthermore, when a signal indicating that the first insertion end key display is selected is input from the input means 11,
A card insertion end signal 1 is output to the display control section 10, and when the passbook insertion end key display is selected, a passbook insertion end signal is output to the display control section.

13 is a multiple account PIN number determination means;
When the passbook insertion end signal is input, the transaction data (excluding the PIN number) is sequentially read from the first memory 8 and output to the display control unit 10, and a command to display the PIN input screen shown in FIG. 5 is issued. The data is output to the display control unit 10 and sequentially stored in the second memory 15. When the password is input from the input data reading means while the screen shown in FIG. 5 is displayed, the upper interface 18, and if it is confirmed that all the input passwords match, a command is output to display the transaction amount designation screen shown in FIG. 6 on the display control section 10.

Reference numeral 14 denotes transaction amount setting means, and when a command signal is input from the multiple account PIN number determination means 13, it prepares to set the transaction status for each financial institution and inputs it from the input data reading means 12. If there is a deposit or withdrawal amount, it is stored in the second memory 15, and the transaction data and the deposit or withdrawal and amount are set in the second memory 15 in correspondence with each other, and the input card is stored in the second memory 15. Alternatively, when the settings for the number of passbooks are completed, a transaction calculation command signal is output.

Reference numeral 16 denotes a transaction status calculation means, which, when a transaction calculation command is input, determines whether the transaction data stored in the second memory 15 is a deposit or a withdrawal, and based on the determination result, , read which financial institution to deposit or withdraw money from, calculate the deposit or withdrawal from each financial institution,
The transaction status is stored in the third memory 19, the transaction is completed via the host interface 18, and the amount corresponding to the calculation result is received from a banknote deposit/dispensing machine or a coin deposit/dispensing machine (described later), or It informs you of the corresponding amount.

Reference numeral 20 denotes a passbook personal information reading means (passbook recording machine), which has at least the same function as the card personal information reading means 3 described above. When this happens, the passbook insertion end signal will be displayed on the control unit 1.
It outputs to 0.

Note that 21 is a bill depositing and dispensing machine, and 22 is a coin depositing and dispensing machine.

FIG. 9 is a perspective view of the apparatus of this embodiment. In the figure, 9 is a display section, 24 is a passbook insertion slot of the passbook personal information reading means (passbook recording machine) 20, 25 is a card insertion slot of the card personal information reading means 3, and 26 is a coin depositing/dispensing machine 22. The insertion slot 27 is the insertion slot of the bill depositing and dispensing machine 21.

FIG. 10 is a block diagram schematically showing a specific example of an automatic financial transaction device to which the present invention is applied, and parts corresponding to those in FIG. 1 are given the same reference numerals. In the figure, 30
is a first control unit that controls the card personal information reading means 3;
31 is a second control unit that controls the passbook personal information reading means;
Reference numeral 32 denotes a verification unit comprising multiple account PIN number determination means 13, etc.; 33, a calculation unit comprising transaction status calculation means 16, etc.; 34;
is the main control section that issues various commands and controls each section.

The operation of the apparatus of this embodiment will be explained below with reference to FIGS. 1 to 10. In this case, it is assumed that the transaction selection screen shown in FIG. 2 is displayed on the display unit 9.

First, when the customer selects the "withdrawal/deposit" key display shown in FIG. 2, the touch panel of the input means 11 outputs a signal corresponding to the coordinates.

The touch sensor controller notifies the main control section 34 of a signal corresponding to that key.

When the main control unit 34 receives this, it outputs instructions for the next process to each I/O. In this case, the data is output to the input data reading means 12.

The input data reading means 12 reads the signal from the touch sensor controller, outputs a command signal corresponding to the signal to the display control section 10, and displays the card insertion guide screen shown in FIG. The data is displayed on the display section 9, and the card reader printer of the card personal information reading means 3 is put on standby.

If the customer uses a card, the customer inserts the card into the card insertion slot 2 of the card personal information reading means 3 according to the card insertion guidance screen.
Step 5: If you have cards for multiple accounts, insert them consecutively.

When the card is inserted, the card personal information reading means 3 stores the transaction data of the inserted card in the first memory 8, and reads the stored card into the card. - stored sequentially in the code storage unit 5.

Next, when the customer finishes inserting a plurality of cards and selects the insertion end key display shown in FIG. 3, the touch sensor controller of the input means 11 outputs a signal corresponding to the key display. is output to the input data reading means 12 of the main control section 34, and the input data reading means 12 outputs the card to the display control section 10.
Outputs the code insertion end signal 1.

When the display control unit 10 receives the card insertion end signal 1 indicating that the signal corresponding to the insertion end key display shown in FIG. 3 has been input, it displays the screen data of the passbook insertion instruction screen shown in FIG. is displayed on the display section 9, and the passbook entry machine of the passbook personal information reading means 20 is put on standby.

In this case, since there is no passbook, if the insertion end key display shown in FIG. 4 is selected, the input data reading means 12 stops the operation of the passbook machine. Note that if the customer has one or more (three) passbooks to insert, they are inserted successively into the passbook insertion slot 24 here.

Further, when the insertion end key display shown in FIG. 4 is selected, the input data reading means 12 outputs a passbook insertion end signal to the multiple account password determination means 13.

When the passbook insertion end signal is input, the multiple account PIN number determination means 13 waits for the input of the PIN number for each account, and reads the transaction data (excluding the PIN number) stored in the first memory 8. , is output to the display control section 10.

When the passbook insertion end signal is input, the display control unit 10 confirms that the transaction data (excluding the PIN number) has been input, and then displays a diagram based on the transaction data (excluding the PIN number). 5 is displayed on the display section 9 to inform the input data reading means 12 that the password input screen is being displayed.

Next, when the numeric keypad is operated and a password is input into the input data reading means 12, the password is converted into a predetermined code and sent to the multiple account password determination means 13 of the verification section 32. Output. In this case, it is assumed that the PIN numbers of the financial institutions for three accounts have been entered. The multiple account PIN number determination means 13 of the collation unit 32 checks the input PIN number with the center via the host interface 18, and if it matches, stores it in the second memory 15 to correspond to each financial institution or account. and store transaction data.

Next, the transaction amount designation screen shown in FIG. 6 is displayed, and when the key display for deposit or withdrawal is selected, the transaction amount setting means 14 selects the deposit or withdrawal from the financial institution in the second memory. Set.

[0050] Then, when the customer operates the numeric keypad to input the amount and selects the confirmation key display, the transaction data of the financial institution and the deposit or withdrawal amount are set in correspondence with each other.

[0051] Furthermore, when the verification unit 32 recognizes that there is no mistake in the customer's account, the respective insertion slots 2 of the bill depositing and dispensing machine 21 and the coin depositing and dispensing machine 22 are used to deposit bills and coins.
Leave numbers 7 and 26 open.

At this time, as shown in FIG. 6, the display control unit 10 displays the deposit/withdrawal screen with transaction data for each financial institution to be input, and causes the input data reading means 12 to display the deposit/withdrawal screen. Informs you that the withdrawal screen is displayed.

[0053] This is fine if the account handled here is an account of this bank, but it can also be an account of another bank, so
This is to display the financial institution name and account number on the screen, and to prompt the user to enter a PIN number for each.

When the input data reading means 12 determines that such an operation has been performed for the number of cards inserted, the transaction status calculation means 16 of the calculation section 33 stores data in the second memory 15. It is determined whether the transaction data being received is a deposit or a withdrawal, and based on the determination result, which financial institution is to be deposited or withdrawn is read, and the deposit or withdrawal calculation for each financial institution is performed. At this time, if there is a transaction in cash, insert the cash into the customer service slot of the relevant deposit/withdrawal machine, and once you have specified the amount and deposit/withdrawal for all accounts, please ask ``Do you have cash to handle?''"Pleaseenter" message and the "Confirm" key will be displayed. When the "confirm" key is pressed, the insertion slots 27 and 26 of the bill depositing and dispensing machine 21 and the coin depositing and dispensing machine 22 are closed, and counting and authenticity determination are performed. At the same time, the system calculates surplus and shortage of cash and transfer of funds between accounts based on the specified amount and distinction between deposits and withdrawals. The transaction status data obtained from this is then stored in the third memory 19. Further, the calculated amount and transaction status for each financial institution are output to the display control unit 10, and then output to a printer or the like.

When the transaction status and calculated amount are input from the transaction status calculation means 16, the display control unit 10 displays the transaction confirmation screen of FIG. 7 or 8 based on the data to confirm the transaction.

[0056] Here, if the customer approves, that is, if the "confirm" key is pressed, and if there is insufficient money, the customer opening of each deposit/withdrawal machine will be opened and the customer will be prompted to deposit money. Thereafter, the details of the transaction are printed on a statement slip or passbook and returned to the customer along with the card. After returning the multiple stocked passbooks and cards,
If there is a withdrawal, make the withdrawal. If the "correct" key is pressed at the transaction confirmation stage, the process returns to the amount input process and prompts the user to input the amount again. When the transaction processing is completed, the transaction history is recorded in the main memory, the transaction details and necessary data are sent to the center via the upper interface 18, the details are cleared, and preparations are made for the next transaction. Through the above steps, the transaction will proceed.

[0057]

[Effects of the Invention] As described above, according to the present invention, 1
Since multiple accounts and deposit/withdrawal amounts can be displayed on one screen, transactions for multiple accounts can now be easily performed at once. This can shorten the time the customer spends exclusively using the automatic financial transaction device, shorten the overall transaction time, and increase the customer turnover rate. Furthermore, since the amount of cash handled is reduced, the incidence of jams and cash accidents can be reduced. Furthermore, for the customer side, the amount of cash on hand can be reduced, giving a sense of security, and redundant operations can be performed all at once, eliminating hassles.

[Brief explanation of the drawing]

FIG. 1 is a conceptual diagram of an automatic financial transaction device according to an embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating a transaction selection screen.

FIG. 3 is an explanatory diagram illustrating a card insertion guide screen.

FIG. 4 is an explanatory diagram illustrating a passbook insertion instruction screen.

FIG. 5 is an explanatory diagram illustrating a password input screen.

FIG. 6 is an explanatory diagram illustrating a transaction amount designation screen.

FIG. 7 is an explanatory diagram illustrating a transaction confirmation screen for deposits and withdrawals.

FIG. 8 is an explanatory diagram illustrating a deposit transaction confirmation screen.

FIG. 9 is a perspective view of the device of this embodiment.

FIG. 10 is a configuration diagram schematically showing a specific example of an automatic financial transaction device to which the present invention is applied.

[Explanation of symbols]

1 Card 2 Passbook 3 Card personal information reading means 8 Memory 9 Display section 10 Display control section 16 Transaction status calculation means (calculation means) 20 Passbook personal information reading means

Claims (1)

[Claims] [Claim 1] Receiving a plurality of personal verification media in the form of bankbooks or cards, the information recording section of these personal verification media in the form of bankbooks or cards sequentially records the personal verification data of each personal verification medium and data necessary for transactions by financial institutions. A personal information reading means that reads and stores in the memory and sequentially records the transaction history etc. after the transaction in the information recording section of each personal verification medium, and an operation key guidance screen that corresponds to each account according to the transaction selection screen. A display control section that displays the transaction amount on the display section or all at once, and a calculation means that processes the transaction amount between the respective accounts and finally calculates the required deposit amount and withdrawal amount. Automatic financial transaction device.