JPH04352090A - Method for controlling automatic transaction device - Google Patents

Abstract

PURPOSE:To effectively utilize a communication time by executing selection whether the succeeding transaction is to be executed or not, during the period of an idle time in the communication period of a center in parallel with the center communication. CONSTITUTION:A main control part displays the sorts of transactions on a display device (S2) and then inputs a required transaction sort (S3) in accordance with the display. If balance inquiry is selected (S4), a transaction control means judges whether the selected transaction is a continued trasaction or not (S5). When the transaction is an initial transaction, a card is inserted (S6). The inserted card is checked, and when there is no abnormality, a personal identification (ID) number is inputted (S8). The transaction control means executes selecting processing for asking whether the succeeding transaction is to be executed or not during the communication time with the center in parallel with the center communication. Namely a request for continuing transactions is selectively displayed (S10) on a display device, and in the case of continuing transactions (S11), (S12), its selected result is stored in a memory (S13).

Description

[Detailed description of the invention]

0001

[Industrial Application Field] The present invention is an automatic transaction device that is installed in a financial institution, etc., and has functions such as withdrawal of cash, deposit, entry into a bankbook, and transfer of cash using a card or bankbook by the customer's own operation. (ATM: Auto Teller M
achine), and particularly relates to its control method.

0002

[Prior Art] Today, many automatic transaction devices have been introduced in financial institutions, etc., and by introducing these automatic transaction devices, it is possible to save labor in counter operations, and also to reduce the need for operations outside of counter business hours and on holidays. Efforts are being made to improve services for users. Such an automatic transaction device displays guidance to the customer on its display device, and the customer selects a desired transaction, such as cash withdrawal, in accordance with this guidance. Thereby, the automatic transaction device communicates with a center that controls a plurality of automatic transaction devices, and executes transactions for customers based on the results of this communication.

FIG. 3 is a flowchart of the transaction operation of such an automatic transaction device. First, the automatic transaction device displays the transaction type (step S1), and the customer selects the transaction type (step S2). Note that in the figure, the processing in the thick line frame on the left side indicates the processing performed by the customer. For example, if a payment transaction is selected (step S3), the customer inserts the card into the card slot of the automatic transaction device (step S4). As a result, the automated teller machine displays an instruction to input a PIN number (step S5), and when the customer enters a PIN number (step S6), it is verified whether or not this PIN number is correct (step S7). Here, if the PIN number is correct, instructions are given to input the amount (step S8).
), if the password is incorrect, a message to that effect is displayed and the customer re-enters the password (step S9), returning to step S7 for verification of the password.

[0004] When the customer inputs the desired payment amount according to the amount input instruction (step S10), the automatic transaction device
It communicates with the center (step S11), and if the result of this communication indicates that payment is possible, a payment operation is performed (step S12). Then, return the customer's card (step S
13), discharge cash for the payment amount (step S14)
). Furthermore, if balance inquiry is selected in the transaction type selection in step S2 (step S3), the customer inserts the card (step S15), similar to the payment transaction described above, and the automated teller machine then inputs the PIN number. (Step S16), and when the customer enters a PIN number (Step S17), the PIN number is verified (Step S18).
. If the PIN number is correct here, the balance inquiry of the customer's account is made to the center (step S19),
If it is not correct, the customer re-enters the password (step S20) and returns to the password verification operation in step S18.

After obtaining the customer's balance data as a result of communication with the center, the customer is notified of the balance (step S21).
), then return the customer's card (step S22).
. It should be noted that when deposit or transfer is selected in step S2, the process corresponding to the transaction is performed through communication with the center in the same way as the above operation, but a detailed explanation will be omitted here.

FIG. 4 shows the relationship between the above-mentioned transaction types and customer input information. In other words, if the transaction type is payment, enter the PIN number and payment amount, if you are checking the balance, enter the PIN number, and if you are making a transfer, enter the financial institution name, branch name, account name, account number, etc. .

[0007]

[Problem to be Solved by the Invention] By the way, when performing the above-mentioned transactions, if a customer wishes to conduct multiple transactions,
For example, suppose you want to perform a payment transaction after a balance inquiry transaction. In such a case, the customer must first perform a balance inquiry transaction, complete that transaction, and then perform a new payment transaction. In other words, even when conducting multiple transactions, the same operations as for a single transaction must be performed, which poses problems such as requiring complicated operations from the customer and requiring a lot of time. had. The present invention was made in order to solve the above-mentioned conventional problems, and provides an automatic transaction device that can facilitate operations and shorten transaction time when a customer performs multiple transactions. The purpose is to provide a control method.

[0008]

[Means for Solving the Problems] The automatic transaction device control method of the present invention is such that when a predetermined transaction is selected in the automatic transaction device, the transaction is carried out through communication with a center that controls the automatic transaction device. The method for controlling an automatic transaction device is characterized in that during a free time during communication with the center for the predetermined transaction, a process for selecting whether or not to conduct the next transaction is performed.

[0009]

[Operation] According to the automatic transaction device control method of the present invention, when a customer selects a certain transaction, the automatic transaction device communicates with the center regarding the selected transaction, and processes the transaction based on the result of the communication. Further, the automatic transaction device allows the customer to select whether or not to conduct the next transaction during idle time during communication with the center. Therefore, the communication time with the center can be used effectively, and the transaction time will not be increased even for a single transaction customer. Additionally, transaction time can be shortened for customers who conduct multiple transactions.

0010

Embodiments Hereinafter, embodiments of the present invention will be explained in detail with reference to the drawings. FIG. 5 is a configuration diagram of an operation system to which the automatic transaction device control method according to the embodiment of the present invention is applied. The system shown in the figure consists of a plurality of automatic transaction machines (ATMs) 1 and a center 2 that controls these plurality of automatic transaction machines 1. The automatic transaction device 1 is installed at a financial institution, etc., and
It is connected online to the center 2 via a communication line 3. The center 2 includes a communication control device 4 for each automatic transaction device 1, a central processing device 5 that processes communication data with the automatic transaction device 1, and a customer information file 6 that stores customer data. Further, 7 and 8 in the figure are the modem on the center 2 side and the modem on the automatic transaction device 1 side, respectively.

In the system configured as described above, when there is a transaction request from each automatic transaction device 1, the transaction request data is sent to the center 2 via the communication line 3.
When this is received, predetermined processing such as referring to the customer information file 6 is performed based on the information, and the processing result for the transaction request is returned to the automated teller machine 1. The automatic transaction device 1 processes the customer based on this processing result.

FIG. 6 shows a concrete block configuration of the automatic transaction device 1. The device shown in the figure is a card reader/printer 1.
1. Bill depositing and dispensing machine 12, passbook recording machine 13, coin depositing and dispensing machine 14, display device 15, customer operation section 16, card reader/
Printer control unit 17, deposit/withdrawal control unit 18, passbook control unit 1
9, interface unit 20, floppy disk device (F
(DD) 21, a hard disk drive (HDD) 22, and a main control unit 23. The card reader/printer 11 includes a card reader that reads information on cards such as cash cards and IC cards inserted into the automatic transaction device 1, and a printer that prints receipts, journals, and the like. The bill depositing and dispensing machine 12 is a device that deposits and withdraws bills, and includes a recognition unit that recognizes inserted bills, a stacker that stores bills, and the like. The passbook entry machine 13 is a device that reads and issues a customer's passbook, and is composed of a passbook inserter unit, a printer unit, a passbook issuing section, and the like. The coin depositing and dispensing machine 14 is the same as the banknote depositing and dispensing machine 12.
Similarly, it is a device for depositing and withdrawing coins.

[0013] The display device 15 is a device for displaying guidance etc. to the customer, and a transparent keyboard called a touch panel is provided on the top surface of the display device 15. The customer operation unit 16 is a keyboard for inputting a password and the like. Further, the card reader/printer control unit 17, the deposit/withdrawal control unit 18, and the bankbook control unit 19 are control devices that control the card reader/printer 11, the banknote deposit/dispensing machine 12, and the bankbook recording machine 13, respectively. The interface unit 20 is a device that controls communication with the center 2, and is connected to the communication line 3, terminal controller (T/C), or the like. Further, the floppy disk device 21 and the hard disk device 22 are storage devices that store various information such as transaction information.

The main control section 23 is a processor that controls each of the above devices, and includes a transaction control means 23a and a memory 23.
b. When the automatic transaction device 1 performs a certain transaction, the transaction control means 23a instructs the customer to select whether or not to conduct the next transaction during communication with the transaction center 2, and also instructs the customer to select whether or not to conduct the next transaction. This is a means for storing the selection result in the memory 23b and for performing processing based on the selection result when the next transaction is performed.

Next, the transaction control operation of the automated teller machine 1 having the above configuration will be explained. 1 and 2 are flowcharts explaining the trading operation. First, the selection input storage area of the memory 23b of the automatic transaction device 1 is cleared by the transaction control means 23a (step S1), and the main control section 23
displays the transaction type on the display device 15 (step S2
). Next, the customer inputs the desired transaction type according to the display (step S3). In addition, in FIGS. 1 and 2, the processing in the thick line frame on the left side indicates the processing performed by the customer.

[0016] Now, it is assumed that balance inquiry is selected in this selection (step S4). As a result, the transaction control means 23b
It is determined whether the transaction is a continuous transaction or not (step S5). That is, it is determined whether this transaction is the customer's first transaction by referring to the memory 23b. here,
Since this is the first transaction, the customer performs a normal card insertion operation (step S6), and the control unit 23 receives the inserted card based on signals from the card reader/printer 11 and the card reader/printer control unit 17. Read the contents of the magnetic stripe on the top and check its validity. If there is no abnormality in the check result, an instruction to input a password is given (step S7), and the customer inputs the password (step S8). If this is not the first transaction, insert the card (step S6), instruct to input the PIN (step S7), and input the PIN (step S8).
is not performed, and the process proceeds to the communication operation with the center 2, which will be described later.

[0017] Next, the control unit 23 checks whether the input password matches the contents of the magnetic stripe on the card, and starts communication with the center 2 (step S9). Here, during the communication time with the center 2, the transaction control means 23a concurrently performs a process of selecting whether or not the customer has an intention to perform the next transaction. That is, the display device 15 selects and displays whether or not to continue the transaction (step S10), and if the transaction is to be continued (steps S11 and 12), the selection result is stored in the memory 23.
b (step 13). Thereafter, the balance is notified to the customer after waiting to receive the result of communication with the center 2 (step S14). If the transaction is not to be continued (step S11), the process directly advances to step S14 and the customer is notified of the balance. Thereafter, the transaction control means 23a refers to the memory 23b and determines whether there is information to continue the transaction (step S15). If the transaction is not to be continued, the card is returned and the customer receives it (step S16). ), the transaction ends.

If the result of the transaction continuation determination is that the transaction should be continued, the process returns to step S2 and the transaction type is displayed. If this selection type is a payment transaction this time, the transaction control means 23a determines whether or not this transaction is a consecutive transaction, as in the case of inquiry selection described above (step S17). Here, since the payment transaction is a consecutive transaction, the card is inserted (step S18) and the PIN input instruction (
Step S19), without inputting the PIN number (Step S20), instructing to input the amount (Step S21)
. If this is your first transaction, perform the card insertion (step S18), PIN input instruction (step S19), and PIN input (step S20) as described above.
The process moves to step S21.

Thereafter, the customer inputs the payment amount (step S22), and communication with the host 2 is performed (step S23). Also, as in the case of the balance inquiry described above, a selection screen for whether or not to continue the transaction is displayed (step S24), and if the selection to continue the transaction is made (steps S25, 26), The result is stored in the memory 23b (step S27), and the payment operation is performed after receiving the communication result with the host 2 (step S28). When cash is discharged by the payment operation and received by the customer (step S29), the transaction control means 23a refers to the memory 23b and determines whether or not the transaction should be continued (step S30).
). If the transaction is not to be continued, the card is returned/received by the customer (step S31) and the transaction processing is ended; if the transaction is to be continued, the process returns to the transaction type display process in step S2.

[0020] In the above embodiment, in the processing for selecting whether or not to continue the transaction, which is performed in parallel during the communication time with the host 2,
Although the type of transaction to be selected next was not required, the configuration is configured so that the type of the next transaction can also be selected here, and based on the selection result, the selected transaction will be directly processed in the next transaction without displaying the transaction type. It may also be configured to do this. For example, in steps S10 to S13 of the above embodiment, it is possible to select and store that the next transaction is a payment transaction, and the next process can proceed directly to inputting the amount in step S21.

[0021]

[Effects of the Invention] As explained above, according to the automatic transaction device control method of the present invention, the selection of whether or not to conduct the next transaction can be made in parallel during idle time during communication with the center. With this structure, the communication time that was conventionally used when the customer was on standby can be effectively utilized, and therefore, even when performing multiple transactions, the operation is easy and the transaction time can be shortened. Further, even for a single transaction customer, the transaction time does not exceed the conventional transaction time, and the transaction time is not increased.

[Brief explanation of drawings]

FIG. 1 is a flowchart of a balance inquiry transaction in the automatic transaction device control method of the present invention.

FIG. 2 is a flowchart of payment transactions in the automatic transaction device control method of the present invention.

FIG. 3 is a flowchart showing a conventional automatic transaction device control method.

FIG. 4 is an explanatory diagram showing the relationship between transaction types and input information.

FIG. 5 is a configuration diagram of an operation system to which the automatic transaction device control method of the present invention is applied.

FIG. 6 is a concrete block diagram of the automatic transaction device of the present invention.

[Explanation of symbols]

1 Automatic transaction device 2 Center 23 Main control section 23a Transaction control means 23b Memory

Claims (1)

[Claims] 1. A method for controlling an automatic transaction device, in which when a predetermined transaction is selected in the automatic transaction device, the transaction is carried out through communication with a center that supervises the automatic transaction device,
A method for controlling an automatic transaction device, characterized in that a process for selecting whether or not to conduct a next transaction is performed during idle time during communication with the center for the predetermined transaction.