JPH04227592A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To reflect previous transaction results upon a user at the time of a next transaction by performing plural transactions successively at a time only by inserting a card once. CONSTITUTION:When a compound key 3c is operated, a control part 40 performs plural specific transactions successively at a time, so the same user need not insert and extract a card A and input his or her identification number for each transaction and the need to select the kind of a transaction at each time is eliminated to decrease the number of times of user's operation. When plural transactions are performed, previous transaction results are displayed on a display device 50 and a next transaction is guided in this state, so the previous transaction results can be reflected on the next transaction sufficiently, thereby eliminating problem points of plural transactions.

Description

[Detailed description of the invention]

0001

[Field of Industrial Application] The present invention relates to an automatic transaction device that automatically handles banknotes by using cards in financial institutions such as banks, and particularly relates to an automatic transaction device suitable for carrying out multiple transactions. .

0002

[Prior Art] In a general automatic transaction device, a single transaction or various transactions are set, and a user can perform a desired transaction once by inserting a card. It is configured.

[0003] For example, in Japanese Unexamined Patent Publication No. 48-32596 (referred to as the first prior art), it is possible to select between cash payment and transfer to another account, and depending on the distinction between payment and transfer, It is configured so that the payment amount on the data can be automatically transferred to another account without releasing cash or without releasing cash. Also, JP-A-53-3734
In Publication No. 2 (referred to as the second prior art), the transaction's deposit information and one account number of a specific transfer destination are recorded on the card, and the amount corresponding to the accepted currency is read from the card. Since the system operates to transfer funds to a specified transfer destination account, it is possible to easily transfer funds to a specific transfer destination without having to memorize the recipient's account number.

0004

[Problem to be Solved by the Invention]However, in the first and second prior art techniques shown above, when the same user performs multiple transactions, the initial operation, that is, the operation of inserting the card, is not necessary. You need to do it each time. Therefore, after one transaction is completed and the card is removed, the user is forced to reinsert the card to perform the next transaction. Therefore, the user not only has to insert/remove the card for each transaction, but also input the password, which is a disadvantage in that it is time-consuming.

[0005] Furthermore, when performing multiple transactions, for example, when performing a transaction such as a transfer based on the balance after the first transaction such as a balance introduction is completely completed, the next transaction will be difficult if the previous transaction result is not known. There are problems associated with carrying out multiple transactions, as it may not be possible to recognize whether a transaction can be made or not.

[0006] In view of the above-mentioned circumstances, an object of the present invention is to enable, when the same user makes multiple transactions, to continuously perform the multiple transactions at once by inserting the card; To provide an automatic transaction device that allows a user to reflect the previous transaction results when conducting a transaction.

[0007]

[Means for Solving the Problems] The present invention provides a card reader that reads the card data of the card when a card recording personal authentication information is inserted, and a transaction selector that inputs the type of transaction of the user. In an automatic transaction device, the automatic transaction device is equipped with an operation section having an amount key for inputting a transaction amount, etc., and a display that guides and displays how to operate the operation section. a designated composite key; and a control unit that continuously and automatically executes designated multiple transactions based on data read from the card reader and operation details of the composite key; The present invention is characterized in that it is configured to display operation guidance for executing the next transaction while displaying the transaction result accompanying the execution of the first transaction on the display, thereby achieving the above purpose. It is something that

[0008]

[Operation] As described above, the present invention has a composite key and a control unit, and is configured to continuously perform a plurality of designated transactions at once by operating the composite key. Not only does it eliminate the need for the user to perform operations such as inserting and withdrawing a card and entering a PIN number, but it also eliminates the need to select the type of transaction each time, reducing the number of operations required by the user. In addition, in the case of multiple transactions, the next transaction will be guided while the previous transaction result is displayed on the display.
It is possible for the user to fully reflect the results of the previous transaction in the next transaction, and the problems associated with multiple transactions can be solved.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to the accompanying drawings. 1 to 4 show a first embodiment in which the present invention is applied to an automatic teller machine. The automatic teller machine of this embodiment has a card insertion slot 2a which is arranged at the upper front of the main body 1 and is used to insert and take out a magnetic card A on which personal authentication information is recorded, and a card insertion slot 2a located below the card insertion slot. A discharge port 2 is disposed in the
b is formed. In addition, on the operation console of the device main body 1,
In order for a user to perform a transaction operation, an operation unit 5 is installed which has a transaction selection key 3 for selecting and inputting the type of transaction, and an amount key 4 for inputting the transaction amount, PIN number, etc. Additionally, a display 50 is installed to guide and display to the user how to operate the operation section 5.

FIG. 2 is a block diagram showing the overall configuration of the device. In the figure, 20 is a card reader which, when the magnetic card A is inserted into the card insertion slot 2a, is driven to convey the magnetic card A to a predetermined position and read the card data of the magnetic card. , and when the transaction is completed, the magnetic card is returned to the card insertion slot 2a. 30 is a key reading circuit, which allows the user to read the display 50.
When an input is made on the operation unit 5 based on the display, the input contents are read. Reference numeral 60 denotes a banknote dispensing machine, which takes out payment banknotes from the safe and sends them to the discharge port 2 when the transaction is a payment.
It is to be carried out to b. Reference numeral 70 denotes a slip issuing machine which prints out a journal that serves as a copy of the financial institution, a transaction statement slip to be submitted to the user, and the details of the transaction, and discharges the transaction statement slip to the outlet 2b. Reference numeral 40 denotes a control unit composed of a control circuit 41 and a memory circuit 42, which transmits and receives data between the above-mentioned devices and connects each device to the memory circuit 4.
It is controlled according to the program No. 2. A central processing unit 90 collates and updates user information and transmits the processing results to the control circuit 41 via the circuit control unit 80.

In this embodiment, as clearly shown in FIG. 3, the transaction selection keys 3 of the operation section 5 are separate keys 3a and 3b for inputting each type of transaction individually, and single keys 3a and 3b for inputting each type of transaction individually. and a compound key 3c for inputting a compound key. In this example, the single keys 3a and 3b have the function of inputting payment transaction information and transfer transaction information,
When either one is pressed, an input can be made to perform the corresponding transaction independently. The composite key 3
When pressed by the user, c allows the user to input different types of transaction information at the same time, and has the function of inputting two types of transaction information, for example, payment transactions and transfer transactions. Therefore, by operating the composite key 3c, composite transactions can be performed continuously and all at once. Therefore, the system is set in advance so that payment transactions and transfer transactions can be performed continuously. There is. Further, the operation section 5 has a transaction selection key 3, an amount key 4, and continuous transaction keys 3d and 3e for selectively inputting whether or not to perform transactions continuously. The continuous transaction keys 3d and 3e are used to input whether the same type of transaction or a different type of transaction is to be repeated. These continuous transaction keys 3d and 3e are, for example, YES.
It consists of a key and a NO key, and by pressing the YES key 3d according to the displayed guidance, you can repeat the transaction, and by pressing the NO key 3e, you can avoid making the next transaction. It has become.

Next, the procedure of transaction operation will be explained based on the flowchart of FIG.

[0013] The user inserts the magnetic card A into the card insertion slot 2a.
(step 100), the card data of the magnetic card A is read by the card reader 20 and sent to the control circuit 41, so that the user's content (information) is read by the card reader 20 and sent to the control circuit 41.
is examined (step 101). The numbers in parentheses below are simply marked. If the above test results are not normal,
A process for returning the magnetic card A is performed, and if the process is normal, the display 50 displays "Please select a transaction" (102). Thereby, the user inputs a desired type of transaction by operating one of the operation part transaction selection keys 3 (103). At this time, when the user presses the composite key 3c to request a transaction involving payment and transfer, a transfer input process is first performed (104), and then a payment amount input process is performed (105). The transfer input process is when the user inputs the transfer destination bank, transfer account, and transfer amount in a predetermined format using the amount keys 4 based on the display on the display 50, and the input data is sent to the control unit 40. It will be done. In the payment amount input process, when the user inputs the payment amount in a predetermined format, the input data is sent to the control unit 40. Then, the input data of the transfer and payment amount is sent from the control unit 40 to the central processing unit 90 via the line control unit 80, and the central processing unit 90 collates and updates the user information and processes it. Data indicating whether the transaction is possible or not based on the result is transmitted to the control unit 40 (106). The control section 4
0 is processed according to data from the central processing unit 90. That is, if the command is to cancel the transaction, the transaction is canceled, and if the command is to enable the transaction, the slip issuing machine 70 and bill ejecting machine 60 are driven to print the transaction details on the slip and to print the payment bill. The number of sheets and amount are counted (107)
, the transaction statement slip and the payment banknote are discharged to the discharge port 2b (
108). In that case, transaction details for both transfer and payment are printed on the transaction statement slip. Thereby, the user can receive the transaction statement slip and payment banknotes. As a result, two types of transactions can be continuously performed at once by operating the compound key 3c, so two transactions can be performed by simply inserting the magnetic card A once, and two types of transactions can be performed continuously and simultaneously by operating the composite key 3c. By doing this all at once, it becomes unnecessary to select the transaction type each time, and the number of operations can be reduced accordingly.

[0014] On the other hand, when the user presses the payment key 3a to make a single transaction, the process substantially similar to steps 105 to 108 described above is performed (109), so that the transaction slip with the payment amount printed on it is On the other hand, when the user presses the transfer key 3b, substantially the same processing as 104, 106 to 108 described above is performed (110), and a transaction statement slip with the transferred amount printed is released. This allows users to conduct individual transactions as well.

[0015] Furthermore, after the above transaction is temporarily terminated,
The display 50 displays “Do you want to make the next transaction?” (11
1) Based on whether or not the user operates the continuous transaction keys 3d and 3e, it is determined whether or not to perform continuous transactions (112
). That is, when the user presses the NO key 3e, it is determined that the next transaction will not be made, so the magnetic card A is returned to the card insertion slot 2a (113), and the returned magnetic card A is received by the user. This completes the transaction. On the other hand, if the user presses the YES key 3d, it is determined that the next transaction will be made, so the processing from step 102 is repeated. Therefore, by pressing the YES key 3d and operating any of the transaction selection keys 3,
Not only single transactions but also complex transactions can be performed continuously, so that by inserting the magnetic card A only once, it is possible to perform transactions as many times as desired. In the illustrated embodiment, since the transaction selection car 3 has a unique function, three transaction selection keys 3 are installed depending on the type of transaction, but as the number of transaction types increases, the number of transaction selection keys increases. The number of keys may increase. Therefore, if the transaction selection car inputs functions corresponding to the text displayed on the screen, it is possible to prevent the number of keys from increasing needlessly. That is, as shown in FIG. 5(a), a display device 50 is constructed by displaying various selection sentences on a screen such as a CRT or film subtitles, and a key 3 is placed on the device at a position corresponding to the various selection sentences. By arranging and pressing a desired key 3, the function of the selection sentence corresponding to the key 3 can be input. Therefore, in the same figure (a), the key 3b on the upper left means transfer, and in the same figure (b), the same key 3b on the left means YES key 3.
By having the same function as d, it is possible to suppress the increase in the number of keys and to achieve the same effect as the first embodiment. Further, in the illustrated embodiment, only payment, transfer, and payment and transfer are described as the types of transactions, but the types of transactions can be increased as shown in FIG. 6 by expanding the screen of the display 50, increasing the number of keys, etc. .

FIG. 7 is a flowchart based on FIG. 6 showing a second embodiment of the present invention. In this embodiment, the transaction selection key 3 can input not only payments, transfers, balance inquiries, and single envelope transactions, but also complex transactions of inquiries, payments, and envelopes and payments, and is set only for transfers. It is possible to input the number of times continuously, and furthermore, when moving to the next transaction, the control unit 40 displays the next transaction on the display 50 while displaying the previous processing result.

The operation of this embodiment will be explained below with reference to FIG. When the user enters the inquiry + payment key 3j,
Communication is carried out between the control unit 40 and the central processing unit 90 (20
1), the control unit 40 causes the display 50 to display the balance. This allows the user to check balance information. Next, the display 50 will display "Please check your balance and enter the withdrawal amount" (
202). That is, since the display 50 displays the balance and guides the next payment transaction, the user can check how much money he or she can withdraw. Therefore, it is possible to prevent the result of a previous transaction from being forgotten and not reflected in the next transaction, thereby solving problems associated with multiple transactions. After both parties input the amount (203), communication processing is performed again with the central processing unit 90 (204).
As a result of the processing, if the command allows transactions, the printing of the slip and the counting of the paid bills are processed (205), the transaction slip and the paid bills are released (206), and finally the magnetic card A is returned (200). This ends the transaction. Further, when the user inputs the envelope + payment key 3k, the user inputs the information necessary for printing the envelope, such as the amount (211), and then "Please insert envelope" is displayed (212). As a result, when a user inserts an envelope into a predetermined position, communication is made with the central processing unit 90, and after the results are printed on the slip and envelope (215), the envelope is stored in the safe. A statement of account is released (216). Next, after the envelope transaction is completed, a display for performing a payment transaction is displayed (217), and the following steps 203 to 203 are made in the same manner as the inquiry + payment transaction.
The transaction is completed by performing the processing in steps 206 and 200.

On the other hand, when the user inputs the continuous transfer key 3i, communication processing is performed with the central processing unit 90 (221
), and after the user confirms the balance information displayed based on the processing result, the display 50 displays the message "Please confirm the balance and enter the transfer" (222). That is, the display 50 displays the previous transaction result and also displays operation guidance for the next transaction. Next, the user inputs the amount to be transferred (223), and the amount to be transferred is compared with the balance (224). As a result of the comparison, if the transfer amount is larger than the balance, processing is performed to cancel the transaction (231). If the transfer amount is smaller than the balance, the transfer details are displayed for confirmation (225). As a result, when a user inputs a picture that they want to confirm, it is determined that the confirmation input has been made, and it is also determined whether the confirmation input operation is the third time (third item). (226). At that time, if the confirmation input operation is the first time (first item), communication processing is performed with the central processing unit 90 (22
7) The details of the transaction are printed on a slip in response to the transaction enable command, and a transaction statement slip is released (228), so that the following processes 222 to 228 are repeated again. However, in 226, when the number of confirmation input operations reaches the third time (third case) or more, the following process is performed. That is, if the number of confirmation input operations is the third time, 226 to 229,
By performing the process 230, a statement slip is released. Therefore, in this case, when the continuous transfer key 3i is operated, if the transfer amount is within the range of the balance, the setting is such that the transfer can be performed up to three times in a series of operations.

It should be noted that in the case of a single transaction, a single transaction is performed as described with reference to FIG. 4, so a description thereof will be omitted here.

In any of the above embodiments, the magnetic card A
I showed an example where the transaction type was selected after inserting the
Of course, the program can be modified to first select a transaction and then insert the magnetic card A. Further, although an online type in which the control unit 40 and the central processing unit 90 are connected is illustrated, information necessary for transactions is stored in the storage circuit 42 of the control unit 40, and based on the information, the control unit 40 performs the same processing as the central processing unit 90, so that it can also be applied to an offline type. Further, although an example using a magnetic card has been shown, the present invention is not limited thereto, and can be applied to, for example, an IC card, an optical stripe card, or other card.

[0021]

Effects of the Invention As described above, the present invention is configured so that a plurality of specified transactions can be continuously performed at once by operating a composite key, so that the same user can insert and withdraw cards. Not only does it eliminate the need to perform operations such as entering a PIN multiple times, but it also eliminates the need to select the type of transaction each time, reducing the number of operations required by the user, and in the case of multiple transactions, Since the next transaction guidance is performed while the previous transaction result remains displayed on the display, the user can fully reflect the previous transaction result in the next transaction, which can solve the problem of multiple transactions. As a result, there is an effect that multiple transactions can be carried out smoothly.

[Brief explanation of the drawing]

FIG. 1 is an overall view of an automated teller machine showing a first embodiment of the present invention.

FIG. 2 is a block diagram of an automated teller machine.

FIG. 3 is an enlarged view showing transaction selection keys on the operation unit.

FIG. 4 is a flowchart showing an operation procedure.

FIGS. 5(a) and 5(b) are an explanatory diagram at the time of transaction selection and an explanatory diagram at the time of continuous transactions, showing other examples of combinations of a transaction selection key and a display.

FIG. 6 is an explanatory diagram showing still another example of a combination of a transaction selection key and a display.

FIG. 7 is a flowchart of the operating procedure corresponding to FIG. 6 showing a second embodiment of the automatic transaction device according to the present invention.

[Explanation of symbols]

3...Transaction selection key, 3a, 3b...Single key, 3c...Combined key, 3d, 3e...Continuous transaction key, 4...Amount etc. key, 5
...Operation unit, 20...Card reader, 30...Key reading circuit,
40...Control unit, 41...Control circuit, 42...Storage circuit, 50
...display device, 60... bill dispensing machine, 70... slip issuing machine.

Claims (1)

[Claims] [Claim 1] When a card that records personal authentication information is inserted, a card reader that reads the card data of the card, a transaction selection key that inputs the type of transaction of the user, and the transaction amount etc. are input. In an automatic transaction device equipped with an operation section having an amount key, etc., and a display that guides and displays how to operate the operation section, the operation section has a composite key for specifying a plurality of predetermined transactions, and the card a control unit that continuously and automatically executes a plurality of specified transactions based on the data read from the reader and the operation details of the composite key; An automatic transaction device characterized in that it is configured to display operation guidance for executing the next transaction while displaying the transaction results associated with the execution.