JPH0520525A - Automatic transaction machine provide with payment plan display function - Google Patents

Abstract

PURPOSE:To enable a customer to set a payment plan while clearly confirming it by displaying detailed payment data on a display device at the time of setting payment. CONSTITUTION:An automatic transaction machine which sets a payment plan according with the amount of money of a transaction based on display guide data on a display device 12 on which transaction procedures are displayed as a guide is provided with a storage means where various payment plans corresponding to the amount of money of transaction and detailed payment data corresponding to plans are stored, an input means which specifies one of payment plans displayed as the guide on the display device 12 and permits input, and a control means which displays detailed payment data corresponding to the specified payment plan as the guide at the time of specifying the payment plan through the input means.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction machine used in, for example, a banking business, and more specifically, an automatic transaction system with a payment plan display function that enhances payment guidance performance for allowing transactions while confirming detailed payment data. Regarding trading machines.

[0002]

2. Description of the Related Art Generally, this type of automatic transaction machine
It is used as a dedicated machine with transaction items such as withdrawal, transfer, passbook entry, and balance inquiry. For example, see Japanese Patent Application No. 1-311426 of the prior application. Further, in recent years, an automatic transaction machine having a payment setting function for setting a payment plan such as one-time payment or installment payment has been provided.

[0003]

However, when the payment plan is set, the customer decides on the payment plan. When determining the payment plan, details of the payment amount, the number of payments, the payment period, and interest that fluctuates in accordance with these details. There is a problem that it is difficult to immediately decide the payment plan because the payment data is unknown.

Therefore, the present invention provides an automatic transaction machine with a payment plan display function, which enables detailed payment data to be displayed on a display device when a payment is set so that the customer can set the payment plan while clearly confirming the payment plan. To aim.

[0005]

SUMMARY OF THE INVENTION The present invention is an automatic transaction machine for setting a payment plan according to a transaction amount based on display guidance data of a display device for displaying a transaction procedure. Various corresponding payment plans, storage means for storing detailed payment data corresponding to the plans, input means for specifying and allowing one of the payment plans displayed and displayed on the display unit, and the input When one of the payment plans is specified through the means, it is an automatic transaction machine with a payment plan display function including a control means for displaying and guiding detailed payment data corresponding to the specified payment plan. And

[0006]

According to the present invention, when the customer sets the transaction amount for payment, when the customer specifies one of the payment plans displayed and displayed on the display, one of the payment plans is input through the input means, Based on the input operation, the control means displays and guides detailed payment data according to the payment plan desired by the customer.

[0007]

As a result, when setting the payment, the customer can set the payment while confirming not only the desired payment plan but also detailed payment data of the plan.
The contents of the payment plan can be clearly understood and the payment plan can be immediately decided. As a result, it is possible to shorten the processing time and improve the serviceability to the customer without the trouble of selecting a plan at the time of payment setting, and the automatic transaction machine has high payment setting performance and reliability.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. The drawing shows an automatic teller machine with a payment plan display function. In FIG. 1, this automatic teller machine with a payment plan display function is also used as a touch panel on the upper front surface of the apparatus main body 11 to display and guide a transaction operation to a customer. CRT 12, passbook insertion slot 13, banknote doorway 14,
Transactions such as deposit, withdrawal, transfer, passbook entry, balance inquiry, and payment setting, which are equipped with a coin slot 15, a card slot 16, a handling indicator 17, and a call button 18 for the customer to call an attendant. It has a function.

FIG. 2 shows a block diagram of a control circuit of the automatic teller machine with a payment plan display function. The CPU 21 controls each circuit device according to a program stored in the ROM 22, and the necessary data is read out by the RAM 23. Remember as much as possible. The CPU 21 is the interface 2
CRT 12 and touch panel switch control unit 2 via
5, card reader 26, passbook processing unit 27, banknote processing unit 2
8, coin processing unit 29, slip processing unit 30, communication processing unit 31
Are connected. The CRT 12 displays transaction guidance such as deposit and withdrawal transactions, display guidance such as payment setting, and operation procedures thereof. The touch panel switch control unit 25 is a CRT.
The touch input signal touch-input corresponding to the display portion displayed on the screen 12 is controlled. Card reader 26
Reads transaction data of the card inserted from the card insertion slot 16 and writes update data, and ejects the card from the card insertion slot 16 at the end of transaction and cancellation of deposit / withdrawal. The passbook processing unit 27 has a passbook insertion slot 1
The transaction data of the passbook inserted from No. 3 is read and the update data is written, and the transaction data and the unrecorded data are entered in the print column of the passbook. Further, when the transaction is completed and the deposit / withdrawal is canceled, the passbook is returned from the passbook insertion slot 13. The banknote processing unit 28 takes in the banknotes deposited from the banknote inlet / outlet 14 into the inside of the apparatus main body 11 to receive the banknotes, and discharges the banknotes from the banknote inlet / outlet 14 at the time of withdrawal and withdrawal / withdrawal. Coin processing unit 29
Is a device main body 11 for the coins received from the coin inlet / outlet 15.
The coins are taken in and processed for receipt, and the coins are discharged from the coin inlet / outlet 15 at the time of withdrawal and withdrawal / withdrawal. The slip processing unit 30 issues a slip in which transaction data of various transaction contents such as deposit and withdrawal transactions are described for each transaction. Communication processing unit 3
1 sends the edited deposit / withdrawal request message, payment setting request message, bookkeeping request message, etc. to the center 32.
It receives and processes the deposit / withdrawal reply, payment setting data and unregistered data, and the recorded data such as the current transaction amount and the balance sent from. By the way, the CPU 21 has a payment setting function that allows setting of various payment plans such as one-time payment, bonus payment, short-term payment, and long-term payment when setting the payment amount of the transaction amount. By displaying and outputting via this, and selecting and touch-inputting the payment plan displayed and output, detailed payment data corresponding to this is further displayed and output. 3 to 8 show examples of display guidance of the payment plan that has been displayed and output. At the time of this payment setting, prior to the input operation, first, as shown in FIG. 3, the transaction set amount is input via the yen key. Then, as shown in FIG. 4, selection items that roughly divide the payment plan such as one-time payment, bonus payment, short-term payment, and long-term payment are displayed and output, and one of them is designated and touched by the customer. When input, as shown in FIGS.
The detailed payment data corresponding to the payment plan is displayed and output.

The processing operation of the automatic teller machine with a payment plan display function thus configured will be described with reference to the flowchart of FIG. Normally, the CRT 12 displays transaction items such as deposit, withdrawal, transfer, passbook entry, balance inquiry, and payment setting and stands by for transaction (step n1).
). In this case, when the payment setting item is touch-input (steps n2 to n3), the CPU 21 displays and outputs to the CRT 12 so as to insert the card for identifying the person and input the personal identification number (steps n4 to n5). When the customer sees this and inserts the card normally and executes the operation of inputting the personal identification number, as shown in FIG. 3, it is displayed and outputted on the CRT 12 so as to input the payment amount of the customer corresponding thereto (step n6). Further, looking at this, when the customer inputs and sets the payment amount, as shown in FIG. 4, one of the payment plans such as one-time payment, bonus payment, short-term payment, and long-term payment is specified and input operation is performed. When it is displayed on the CRT 12 (step n7) and the customer specifies and touch-inputs one of the payment plans displayed and displayed on the CRT 12, the input operation is performed. Stomach CPU21 is determined by calculating the detailed repayment terms from the input set payment amount and the specified payment plan, customer displays guide the detailed payment data according to the payment plan you want to CRT12. For example, in the case of a single payment, as shown in FIG. 5, the annual interest rate, the payment deadline, and the total payment amount are displayed and guided with respect to the input set amount of 100,000 yen, for example.
In the case of bonus payment, as shown in FIG. 6, the payment deadline and the total payment amount are displayed and guided for the input amount of 100,000 yen. Further, in the case of short-term payment, as shown in FIG. 7, the payment deadline divided into several times and the payment amount are displayed and displayed for the input price of 100,000 yen. Similarly, in the case of long-term payment, as shown in FIG. 8, for the set amount of 100,000 yen that has been input and set, the annual interest rate, the payment deadline divided into a number of times, and the payment amount are displayed and guided (step n8 to n9). Then, when the customer accepts one of these and touch-inputs the transaction, the transaction is established (steps n10n to n11), and the CPU 21 sends a confirmation signal indicating that the transaction is established to the center 32 to register the set payment plan. Also, it receives and processes the reply sent from the center 32, returns the inserted transaction card, and releases the cash corresponding to the transaction if necessary (steps n12 to n15).

As described above, when setting a payment plan, the customer can set the payment plan while confirming not only the desired payment plan but also detailed payment data of the plan, so that the contents of the payment plan can be clearly understood. The payment plan can be decided immediately. As a result, processing time can be shortened without the hassle of selecting a plan when setting payment.
The serviceability and reliability for customers can be improved.

In the correspondence between the present invention and the configuration of the above-described one embodiment, the automatic transaction machine of the present invention corresponds to the apparatus main body 11 of the automatic teller machine of the embodiment. , CRT12, the input means is CRT12
And the touch panel switch control unit 25, the storage unit corresponds to the RAM 23, and the control unit corresponds to the CPU 21.
However, the present invention is not limited to the configuration of the above-described embodiment.

[Brief description of drawings]

FIG. 1 is an external perspective view of an automatic teller machine according to the present invention.

FIG. 2 is a block diagram of a control circuit of the automatic teller machine according to the present invention.

FIG. 3 is an explanatory view showing an example of input operation display guidance of a payment set amount of the present invention.

FIG. 4 is an explanatory diagram showing an example of input operation display guidance of the payment method of the present invention.

FIG. 5 is an explanatory diagram showing a display guidance example of detailed payment data for one-time payment according to the present invention.

FIG. 6 is an explanatory view showing an example of a display guide of detailed payout data of bonus payment according to the present invention.

FIG. 7 is an explanatory diagram showing a display guidance example of detailed payment data for short-term payment according to the present invention.

FIG. 8 is an explanatory diagram showing a display guidance example of detailed payment data for long-term payment according to the present invention.

FIG. 9 is a flowchart showing a processing operation at the time of setting payment according to the present invention.

[Explanation of symbols]

 11 ... Device main body 12 ... CRT 21 ... CPU 23 ... RAM 25 ... Touch panel switch control unit

Claims (1)

[Claims] [Claim 1] An automatic transaction machine for setting a payment plan according to a transaction amount based on display guidance data of a display device for displaying a transaction procedure, which corresponds to the transaction amount. Various payment plans, storage means for storing detailed payment data corresponding to the plans, input means for specifying and allowing input of one of the payment plans displayed and displayed on the display, and the input means An automatic transaction machine with a payment plan display function, which has a control means for displaying and displaying detailed payment data corresponding to the specified payment plan when one of the payment plans is specified.