JPH05266305A - Previous notice method for transaction restricted content in automatic transaction machine - Google Patents

Abstract

PURPOSE:To prevent a transaction from becoming impossible even if it is operat ed midway by permitting a customer to easily recognize an effect that there is the restricted content of the transaction before a transaction item displayed on a display screen for customer operation is selected if it occurs. CONSTITUTION:When only the transaction item which CPU judges that it can be processed by the detection result of a detection means is displayed in a visual display device provided for a customer operation part in front of a device, and a paying transaction in the transaction item, for example, is executed, a first message B showing that there is the paying transaction restricted content which is previously stored in a memory part is displayed when CPU judges that a partial restriction is required for executing the paying transaction. A message (c) applied to respective contents restricted by the detection result among second messages C which concretely show the restricted contents of the paying transaction is displayed in the visual display device in a state before the customer starts the operation, and that there is a restriction on the transaction content is previously informed to the customer.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is installed in a financial institution such as a bank and uses a card or a passbook to deposit cash.
The present invention relates to an automatic transaction device that can also withdraw cash or transfer transactions.

[0002]

2. Description of the Related Art FIG. 3 is an external perspective view of an automatic transaction device (hereinafter referred to as an ATM device) installed in a bank or the like. In the figure, reference numeral 1 denotes a visual display device installed on a customer operation surface, and this visual display device 1 is a high-resolution transparent device which allows the customer to input the depressed XY position by depressing it with a finger or the like. A touch sensor panel is installed.

Reference numeral 2 denotes a bill insertion / return port arranged diagonally above and to the right of the visual display device 1, and is connected to a bill depositing / dispensing machine provided inside the device. 3 is this banknote
The coin input / return port is arranged in parallel with the return port 2 and is also connected to the coin depositing / dispensing machine provided inside the device. Reference numeral 4 is an insertion slot of a magnetic card connected to a card reader / printer, and 5 is a passbook insertion slot connected to a passbook entry machine.

The visual display device 1 is usually
The display for customer operation is provided to provide operation guidance for the customer. For example, each transaction operation such as deposit, withdrawal, transfer, transfer, passbook entry and balance inquiry is sequentially guided to the customer by displaying characters, figures, or illustrations, and the customer is visually displayed accordingly. The target transaction operation is performed by touching the device 1 with a finger.

FIG. 4 is a block diagram showing the structure of the ATM device shown in FIG. 3. As shown in FIG. 4, the ATM device 6 has an operation procedure and guidance when a customer operates transactions such as deposit and withdrawal. A visual display device 1 for displaying buttons and the like that the customer presses on the screen, a passbook entry machine 7 for making entries in the passbook inserted through the passbook insertion slot 5, and a magnetic stripe of a card inserted through the card insertion slot 4. A card reader / printer 8 for reading and writing transaction details on a statement slip, a banknote depositing / dispensing machine 9 for depositing and withdrawing banknotes, a coin depositing / dispensing machine 10 for depositing and withdrawing coins, Then, a transaction control panel 11 arranged on the rear surface of the ATM device for controlling transactions that can be processed by the ATM device by an attendant, and an input / output control for controlling interface communication with a host device described later. Memory 1 for storing location 12, and the CPU13 that performs these operations controlling the control program
It is composed of four.

On the other hand, the center 15 connected to the ATM device 6 stores a file 16 for storing customer information such as a customer's account number and balance, and reads or writes information from the file 16. The memory CPU 17 and a communication control device 18 for controlling interface communication with the input / output control device in the ATM device.

Transactions handled by the ATM device 6 having such a configuration are mainly "deposit (deposit)", "passbook entry", "withdrawal (payment)", "balance inquiry", and "transfer". Among them, each transaction processing can be separated depending on the medium used, that is, cash, cash card, passbook, or the like. For example, in each transaction such as "deposit", "withdrawal", "transfer", etc., the transactions by the following media are mainstream.

[0008] First, the "deposit" transaction may be (1) deposit using a cash card, (2) deposit using a passbook, and the "withdrawal" transaction is (1) withdrawal using a cash card, and (2) ) Withdrawals using both cash cards and passbooks, and "transfer" transactions are
(1) Transfer using a cash card (using the deposit in your cash card account, transfer to the designated transfer destination),
(2) Transfer transactions using both cash cards and passbooks are mainstream.

The conventional transaction processing will be described below with reference to FIGS. 5 and 6, taking a "transfer" transaction as an example. FIG. 5 is an explanatory view showing a display example of a conventional visual display device. FIG.
(B) shows a card insertion screen that guides the card insertion operation.
(C) shows a card cash selection screen for selecting cash or a transaction with a card. Further, FIG. 6 is a flowchart showing the operation of determining the medium used in the transfer transaction.

ATM device 6 installed in a bank store
Since the types of transaction subjects that can be executed are normally displayed on the visual display device 1 of FIG. 3 as shown in FIG. 3 (a), a customer who wants to perform a transaction process wants to perform the desired transaction that he or she wants to perform. A desired transaction can be performed by pressing a transaction subject button displayed on the visual display device 1 by an illustration or the like. At this time, as described above, each transaction process is divided depending on the medium used, but the medium used is determined while the customer is operating.

First, the transaction item selection screen shown in FIG. 3 (a) shows a case where a transaction that can be processed among the transaction items that the customer intends to perform is processed in various situations inside the device, for example, "passbook entry". Whether the device meets various conditions for processing, such as whether there is a trouble with the passbook entry machine, whether or not each banknote and coin that is compatible with the drawer is stored when processing a "drawer" This is detected by the detection means provided inside the apparatus, and only the transaction item for which it is judged that this detection result or processing can be executed is displayed.

Therefore, in the case of the transfer transaction as an example, first, it is judged from the detection result whether or not the "transfer" transaction is canceled inside the apparatus, that is, whether or not the transfer transaction can be executed (S1), If it is possible, "transfer"
The button is displayed on the visual display device 1 (S2), and when it is detected that the transfer transaction is impossible due to some trouble, the display of the "transfer" button on the visual display device 1 is erased (S3). ..

When the "transfer" button is displayed on the visual display device 1 as the transfer transaction is possible, the customer depresses the "transfer" button with a finger or the like according to the displayed contents (S4). .. When the transfer transaction is selected in this way, the device again detects from the detection result by the detecting means,
It is judged whether or not the transfer transaction by cash is stopped (S5), and if the transfer by cash cannot be performed, that is, if it is detected that there is a shortage of banknotes or coins suitable for this change, it will be transferred by cash. Since transactions are not possible and only transactions by cards are possible, a display for instructing card insertion is displayed on the visual display device 1 as shown in FIG. 5B (S6).

Then, according to this display, it is judged whether or not a card has been inserted (S7), and if the insertion of the card is confirmed, the process proceeds to transfer transaction processing by the card (S8),
If the card insertion is not confirmed within the predetermined operation time, the transaction process is a cancellation process (S9). In addition, in S5, if it is determined that the cash transaction does not have to be canceled, the transfer transaction can be processed by either card or cash. A display for selecting whether to trade is displayed on the visual display device 1 as shown in FIG. 5C (S10).

According to this display, it is first determined whether or not a card has been inserted (S11), and if the card insertion is confirmed, the same transaction processing as the card insertion confirmation in the case of transaction processing using only the above card Proceed to execution,
If the card insertion is not confirmed, it is judged whether or not the cash button for instructing the transaction by cash is pressed (S12). If the cash button is confirmed, the cash transfer transaction is performed. Process execution (S1
3) In addition, if the push of the cash button is not confirmed within the predetermined operation time, the transfer transaction is canceled (S1).
4).

As described above, conventionally, after selecting a transaction item, the medium to be used is determined according to the above procedure and each transaction process is performed.

[0017]

However, in the above-mentioned conventional technique, it is necessary to actually operate the ATM device to determine whether the customer can make a transaction using the medium he / she wants to use. When you want to make a transfer transaction by, you must press the "transfer" button,
I don't know if a "transfer" transaction with cash is possible or not, that is, it will be understood only by operating halfway.

In particular, whether or not the "transfer" transaction by cash can be carried out depends on whether or not the cash to be changed is stored in the ATM device as a condition thereof, and therefore, within the operating time of one day. Cash transfer due to cash is canceled due to increase or decrease of cash inside the ATM device such as cash shortage due to withdrawal transaction, shortage of cash due to subsequent deposit transaction, etc. There is a situation in which it can be handled, but it does not appear on the screen of the visual display device at all, so the customer cannot judge it. Therefore, even if the customer operates the transaction halfway, it may become impossible to operate with a medium other than the applicable medium, which causes a deterioration in service for the customer, and further the device There was a problem that the utilization rate was reduced.

In addition, in the case of "deposit" and "withdrawal" transactions, for example, when the transaction is performed using a passbook,
If the passbook entry machine has some trouble, the transaction operation may be started, but the transaction may not be possible. This situation is because, as described in the conventional example, the branch of transaction availability due to the difference in the medium used is performed after the operation of selecting the transaction item. Therefore, if you try to display all the items that can be processed on the visual display device, the number of transaction buttons will be very large, which may cause confusion to the customer, and it is an effective means. There wasn't.

The present invention has been made in order to solve the above-mentioned problems, and allows the customer to easily confirm a transaction that can be executed before selecting a transaction item, even if the operation is performed halfway. The present invention provides a method of prior notification of transaction restriction contents in an automatic transaction device, which prevents the transaction from becoming impossible and improves the operation rate of the device, and which is excellent in serviceability to customers.

[0021]

In order to achieve the above-mentioned object, the present invention has a visual display device for displaying transaction contents and operating procedures to a customer, and the customer is provided with the contents displayed on the visual display device. In an automatic transaction device capable of automatically performing deposit / withdrawal transactions, passbook entry processing, etc. by performing an operation, first, each transaction item is processed by a detection means that detects various conditions inside the device. Only the transaction items determined by the CPU to be possible are displayed on the visual display device.

Then, when it is determined by the CPU that a partial restriction is required based on the detection result of the detection means in executing each transaction among the transaction items displayed on the visual display device, The first wording indicating that there is the transaction restriction content stored in the memory unit is displayed, and further, the second statement specifically indicating the transaction restriction content.
And a second word representing a word corresponding to the content restricted from the detection result among the above words are displayed on the display screen of the visual display device showing the state before the customer starts the operation. It is a thing.

[0023]

Operation: According to the above method, the transaction can be started.
In the visual display device of the TM device, the transaction item names that are determined to be processable, and the transaction item names that are displayed, if there are transaction restrictions, indicate that there is a transaction restriction. The text and the second text that specifically displays the content of the restriction are displayed.

Therefore, it is necessary to notify the customer in advance that there is a transaction subject that restricts the transaction content before conducting the transaction. Therefore, by looking at this display screen, the customer knows whether or not the transaction he / she is trying to carry out is possible. It is possible to deal with the processable medium.

As a result, the fact that the transaction has to be canceled halfway though the transaction processing has been started is eliminated.

[0026]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a flowchart showing the processing operation of this embodiment, and FIG. 2 is an explanatory diagram showing an example of a display screen of this embodiment.
First, the display screen of the visual display device shown in FIG. 2 will be described. This display screen shows the state before the operation is started, and the type of transaction item that can be operated by the customer is a plurality of transaction buttons by line drawing and characters. 20 is displayed. Here, five types of transaction subjects are displayed: "deposit", "passbook entry", "withdrawal", "balance inquiry", and "transfer".

In addition to these transaction items, the message A "Welcome, please press the desired transaction." Is displayed as an operation guidance display for guiding the customer's operation. And below this operation guidance wording A,
Of the five types of transaction items, when using a non-processable medium, a notice indicating that there is a transaction restriction is first displayed as a prior notice display of the transaction restriction content that notifies the customer in advance that there is a transaction that cannot be processed. As the 1st wording, the wording B "The following transactions are not handled right now."
As the wording, the wording C such as (a) deposit by a passbook, (b) withdrawal by card and passbook, (c) transfer by cash, etc. is displayed.

With reference to this display screen, the method of prior notification of the transaction restriction contents in this embodiment will be described below with reference to the processing operation flowchart of FIG. The symbol S shown below indicates a processing step. Similar to the above-mentioned conventional example, when the ATM device displays transaction items on the visual display device, only the transaction items that can be processed are displayed on the visual display device from the result of detecting various conditions inside the device by the detection means. Therefore, when the power is turned on, first, it is determined whether or not to display the transfer transaction, that is, whether or not the transfer processing is possible (S15).
When it is determined that the transaction is possible, the "Transfer" transaction button 20 is displayed (S16), and when it is determined that the transaction is not possible, the "Transfer" transaction button 2
0 is erased (S17).

When it is determined that the transfer transaction is possible and the "transfer" transaction button 20 is displayed on the screen, it is next determined whether or not there is a partial transaction restriction in this transfer transaction (S18). For example, if the customer gives an instruction for a cash transaction when there is a shortage of change cash, a partial transaction restriction will occur in the transaction related to the transfer transaction. Therefore, a message B indicating that fact is displayed. (S1
9) If it is determined that the transaction is possible using any medium, the wording B indicating that there is a partial transaction restriction in the transfer transaction is erased (S20).

Further, when the message B for notifying the contents of the transaction restriction is displayed, it is further determined whether or not the cash transfer transaction is canceled (S21), and as described above, for example, the change cash is insufficient. If such a detection result is detected, (c) "cash transfer" in the text C is displayed (S22). If not detected, (c) "cash transfer in the text C is displayed. Is erased (S23).

As a result, on the display screen of the visual display device, each transaction item that can be processed and, if there is a partial transaction restriction among the displayed transaction items, a message to notify that effect. B and the word C which specifically displays in which part the transaction is restricted are displayed. Therefore, by looking at this display screen, the customer who wants to perform the process can process the transfer transaction here, but cannot perform the transfer process using cash, that is, the transfer process can be performed by using the card. I can judge that,
It is only necessary to start the card operation promptly without selecting cash or card.

In the above-mentioned embodiment, "transfer"
Although the transaction has been described as an example, the same applies to other transaction processing. For example, the above-mentioned word C (a)
The display of the restriction content of "deposit by passbook" allows deposit transactions, but at the stage of detecting various conditions inside the device, for example, a trouble of the passbook entry machine is detected and the entry processing to the passbook is impossible. If it is judged that there is a partial transaction restriction in the deposit transaction, the wording B is displayed in the same manner as above, and the deposit transaction is possible if the transaction is made only by the card without using the passbook. It will be displayed in any case.

The display of the restriction content "(b) Withdrawal by card and passbook" in the above-mentioned wording C allows withdrawal transactions, but at the stage of detecting various conditions inside the device,
For example, if a trouble with the passbook entry machine is detected and it is determined that the passbook entry process is impossible as in the case described above, partial transaction restrictions will occur in the withdrawal transaction. The message B is displayed, and withdrawal transaction is possible if the transaction is made only by the card without using the passbook.

Various situations other than those described above can be considered as situations in which it is determined whether or not transaction processing is possible.
For example, if a failure is detected in the transporting means that transports coins, partial restrictions will occur in the processing of cash withdrawal transactions and transfer transactions, and if a failure in the card reading and writing means is detected, only the card will be used. There will be partial restrictions on the processing of withdrawals and deposit transactions. Therefore, partial restrictions in transaction processing may occur in various situations, so if you prepare each display wording example corresponding to each of these situations, the content of restrictions according to these situations will be displayed on the screen. can do.

[0035]

As described above, according to the present invention, when a customer tries to operate a visual display device and sees a transaction item that can be processed and this transaction item is partially limited. Since the first wording indicating that there is a partial restriction and the second wording indicating which part is specifically restricted are displayed, the transaction displayed to this customer is displayed. It is possible to notify in advance that there are transaction restrictions on subjects.

Therefore, for example, if there is a first wording of partial transaction restriction contents for a transaction item and a second wording indicating that a cash transfer transaction cannot be processed is displayed, Since the customer who was going to make the transaction can judge before the operation that the transfer transaction can be processed by the card transaction instead of the cash transaction,
The customer can promptly respond with a card according to this display.

As described above, since the transaction items displayed as processable are displayed on the screen before the operation is started, the contents of restrictions relating to the transaction items are also displayed at the same time. It is possible to recognize possible transactions and improve service to customers. As a result, even though the transaction operation was started as in the conventional example, the inconvenience that the transaction was canceled during the operation was notified and the inconvenience that the transaction had to be canceled disappeared. This not only improves the service to the customer but also improves the operation rate of the device.

[Brief description of drawings]

FIG. 1 is a flowchart showing a processing operation of this embodiment.

FIG. 2 is an explanatory diagram showing a display screen example of the present embodiment.

FIG. 3 is an external perspective view of an automatic transaction device.

FIG. 4 is a block diagram showing the configuration of the ATM device shown in FIG.

FIG. 5 is an explanatory diagram showing a display example of a conventional visual display device, (a) shows a transaction subject selection screen displaying subjects for which transaction processing is possible, and (b) shows a card for guiding a card insertion operation. The insertion screen (c) shows a card cash selection screen for selecting cash or a transaction with a card.

FIG. 6 is a flowchart showing an operation of determining a medium used in a transfer transaction.

[Explanation of symbols]

 1 Visual display device 6 ATM device 7 Passbook entry machine 20 Transaction button B First wording C Second wording

Claims (1)

[Claims] Claims: 1. A customer has a visual display device for displaying transaction details and operation procedures to a customer, and the customer operates according to the content displayed on the visual display device to perform deposit / withdrawal transactions and passbook entry processing. In a prior notification method of transaction restriction contents in an automatic transaction device that can be automatically performed, only the transaction items that are determined by the CPU to be processable by the detection unit that detects various situations inside the device are described above. While displaying on the visual display device, it was judged by the CPU that the transaction items displayed on the visual display device require partial restriction based on the detection result of the detection means when executing each transaction. Sometimes, the detection result of the first wording indicating that there is transaction restriction content stored in advance in the memory part and the second wording specifically indicating this transaction restriction content A prior notification method of transaction restriction contents in an automatic transaction device, characterized in that a message corresponding to each of the more restricted contents is displayed on a visual display device showing a state before a customer starts an operation.