JPH06139431A - Automatic tranaction machine with batch collation function - Google Patents

Abstract

PURPOSE:To attain the batch inquiry of the whole balance and to grasp all transaction content with high efficiency by reading out the balance data on plural customer transaction accounts to totalize and output these data when a batch inquiry data input means is operated. CONSTITUTION:A CPU 21 controls each circuit based on the program stored in a ROM 22 and stores readably the necessary data in a RAM 23. Then the CPU 21 automatically inquiries the whole balance of a customer having plural transaction accounts for the batch balance inquiry. A slip processing part 30 issues a slip to enter the transaction contents including the cash reception/ payment transactions, the inquiry of the balance, etc., and theh issues a slip to enter the balance data on all transaction accounts for the batch balance inquiry. The batch balance inquiry slip shows the working transaction data on the transaction section showing the batch balance inquiry, the store in charge, the terminal equipment, the date, etc., the balance data on each account produced at each financial institution, and the total balance which are printed in a list. Therefore the customer can collectively grasp the hole balance of his plural transaction accounts.

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, for example, which is handled in banking business, and more specifically, it has a collective inquiry function for easily inquiring all balances of customers who have a plurality of transaction accounts. Regarding automatic transaction machines.

[0002]

2. Description of the Related Art Generally, an automatic transaction machine of this kind has transaction items such as deposit, withdrawal, transfer, passbook entry, and balance inquiry as shown in Japanese Patent Application No. 1-311426 of the prior application. It is used as a dedicated machine. In particular, by inquiring about the balance, it clearly informs the transaction details of the transaction account to enhance the serviceability to the customer.

However, this balance inquiry is limited to one account, so if you have several accounts across multiple financial institutions, the total transaction content of the customer's total balance is unknown. However, there was a problem that all transaction balances could not be grasped efficiently.

[0004]

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide an automatic transaction machine with a collective inquiry function, which enables a plurality of transaction accounts of a customer to be collectively inquired about the balance, thereby improving the serviceability of the balance inquiry. To do.

[0005]

SUMMARY OF THE INVENTION The present invention is an automatic transaction machine having a balance inquiry function for inquiring about the transaction balance of a registered transaction account, and inputting collective inquiry data of customers having a plurality of transaction accounts. With a collective inquiry function having a collective inquiry data inputting means and an output means for reading out the balance data of a plurality of trading accounts of the customer for collective inquiry and outputting the aggregated data when the collective inquiry data inputting means is operated. It is an automatic transaction machine.

[0006]

According to the present invention, in the case of inquiring about the customer's total balance, when the customer inputs a predetermined collective inquiry data through the collective inquiry data input means of the automatic transaction machine, the output means makes a plurality of transactions of the customer. The balance data of the account is read out for collective inquiry and output as a summary.

[0007]

As a result, since the customer can collectively inquire about all the balances of a plurality of transaction accounts, he or she can efficiently understand all the transaction details of the customer, and especially when the customer has many transaction accounts. It can be more clearly grasped and managed, the management of the trading account is facilitated, the transaction reliability for the automatic transaction machine is improved, and the serviceability for the customer is improved.

[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 collective inquiry function. In FIG. 1, this automatic teller machine with a collective inquiry function is a CRT 12 which also serves as a touch panel on the upper front surface of the apparatus main body 11 for displaying and guiding transaction operations to a customer. , Bankbook entry / exit 13, bill entry / exit 14, coin entry / exit 15
A card entrance, a handling indicator 17, and a call button 18 for a customer to call an attendant.
It has an automatic transaction function for withdrawals, transfers, bankbook entries, balance inquiries, and batch balance inquiries.

FIG. 2 is a block diagram of the control circuit of the automatic teller machine with the collective inquiry function, in which the CPU 21 is the ROM 2
Each circuit device is controlled in accordance with the program stored in 2, and the necessary data is stored in the RAM 23 so that it can be read.

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.

Of these, the CRT 12 displays transaction guidance such as deposit and withdrawal transactions and display guidance such as collective balance inquiry and operation procedures thereof, and the touch panel switch control section 25.
Controls a touch input signal touch-input corresponding to the display portion displayed on the screen of the CRT 12.

The card reader 26 reads transaction data of the cash card inserted from the card entrance / exit 16,
Further, the update data is written, and the card is ejected from the card entrance / exit 16 at the end of the transaction and when the withdrawal / withdrawal is cancelled.

The passbook processing unit 27 reads the transaction data of the passbook inserted from the passbook entry / exit 13 and writes the update data, and records the transaction data and unregistered data in the passbook print field. . Further, when the transaction is completed and the withdrawal / withdrawal is cancelled, the passbook is returned from the passbook entrance / exit 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 for receiving processing, and discharges the banknotes from the banknote inlet / outlet 14 at the time of withdrawal and withdrawal / receipt of banknotes. .

The coin processing unit 29 takes in the coins deposited from the coin inlet / outlet 15 into the inside of the apparatus main body 11 and receives and processes them, and at the time of withdrawal and cancellation of deposit / withdrawal, the coin inlet / outlet 1
Release treatment from 5.

The slip processing unit 30 issues a slip in which transaction data of various transaction contents such as deposit / withdrawal transactions and balance inquiries are described for each transaction, and in batch balance inquiry, describes balance data of all transaction accounts. Issue the batch balance inquiry slip.

The communication processing unit 31 sends the edited deposit / withdrawal request message, bookkeeping request message, collective balance inquiry request message, etc. to the center 32, and the deposit / withdrawal reply, unregistered data and the current book data sent from the center 32. Receive and process book data such as transaction amount and transaction balance, and collective balance inquiry data.

By the way, the CPU 21 has a collective inquiry function of automatically inquiring about all the balances of customers having a plurality of transaction accounts using this one apparatus main body 11 when making a collective balance inquiry. As shown in FIG. 3, this displays the input item of “collective balance inquiry” on the transaction selection screen of the CRT 12, and the customer selects the “collective balance inquiry” item from the various transaction item keys displayed on the CRT 12. When selected and touch-inputted, the CPU 21 inputs the collation data such as the customer's account number and the personal identification number and confirms the collation, and based on this, the center 32 makes a plurality of transactions registered in advance by the customer in the financial institution. The balance data of the account is read and totaled, and the totalized data is printed out on a collective balance inquiry slip and released to the customer.

FIG. 4 shows an example of the collective balance inquiry voucher 41. The collective balance inquiry voucher 41 shows transaction categories clearly indicating the collective balance inquiry, transaction data such as handling shops, terminals, dates, etc. The balance data for each account number created by the financial institution and the total balance of these balance data are printed on a slip and clearly displayed. Thereby, the customer can collectively grasp all the balances of the plurality of transaction accounts. Further, since all the transaction contents corresponding to the customer's transactions can be efficiently grasped, it becomes easy to manage all the transaction accounts.

The processing operation of the automatic teller machine with the collective inquiry function thus configured will be described with reference to the flowchart of FIG. Usually, this cash dispenser C
RT12 is, as shown in FIG. 3, deposit, withdrawal, transfer,
Display the transaction selection screen of various transaction items such as passbook entry, balance inquiry, collective balance inquiry, and wait for transaction, and by selecting and touching one of the item keys, the transaction procedure corresponding to that transaction can be performed. The display is guided, and the selected transactions are executed by the sequential input operation (steps n1 to n2).

When the transaction item of "collective balance inquiry" is touch-input, the CPU 21 displays and guides the CRT 12 so as to input data for identifying the person.
Based on this, when the customer inserts a cash card corresponding to the transaction and further inputs an appropriate personal identification number corresponding to the transaction (steps n3 to n4), the CPU 21 causes, for example, specific data for collective inquiry recorded on the cash card or Read out multiple trading accounts and communicate with the center 32,
Send a request message for batch balance inquiry. As a result, if the center 32 accepts this and accepts the transmission data (steps n5 to n6), then the presence / absence of an additional account for the balance inquiry is selected (steps n7 to n8), and if there is an additional account, it is added. Set a new account to be stored (step n
9-n10), if there is no additional account, the total balances of the plurality of transaction accounts that have been stored up to now are totaled and printed out, and the printed out collective balance inquiry slip 41 is released together with the cash card, The collective balance inquiry process ends (steps n11 to n15).

If a cash card that is not compatible with transactions is inserted or an incorrect personal identification number is entered during this input operation, the center 32 rejects the acceptance and displays a message on the CRT 12 indicating that the transaction is unsuitable (step). n16).

As described above, the customer can collectively inquire all the balance inquiries of a plurality of transaction accounts, so that he can efficiently grasp all the transaction contents used by the customer, and in particular, he has many transaction accounts. In this case, the management can be more clearly grasped, the management of the transaction account is facilitated, the transaction reliability for the automatic teller machine and the serviceability for the customer are improved.

In the correspondence between the present invention and the configuration of the above-described embodiment, the automatic transaction machine of the present invention corresponds to the apparatus main body 11 of the automatic teller machine of the embodiment, and hereinafter, similarly, the collective inquiry data. The input unit corresponds to the CRT 12 and the touch panel switch control unit 25, and the output unit is the CPU 2
1 and the center 32, 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 with a batch inquiry function according to the present invention.

FIG. 2 is a block diagram of a control circuit of the automatic teller machine with the collective inquiry function of the present invention.

FIG. 3 is an explanatory view showing a display guide example of a transaction selection screen of the present invention.

FIG. 4 is an enlarged plan view showing an example of a collective balance inquiry slip of the present invention.

FIG. 5 is a flowchart showing a collective inquiry processing operation of the automatic teller machine according to the present invention.

[Explanation of symbols]

 11 ... Device body 12 ... CRT 21 ... CPU 25 ... Touch panel switch control unit 32 ... Center 41 ... Collective balance inquiry slip

Claims (1)

[Claims] 1. An automatic transaction machine having a balance inquiry function for inquiring about a transaction balance of a registered transaction account, and a collective inquiry data input means for inputting collective inquiry data of a customer having a plurality of transaction accounts. An automatic transaction machine with a collective inquiry function, comprising: output means for reading out the balance data of a plurality of trading accounts of a customer for collective inquiry and totalizing and outputting when the collective inquiry data input means is operated.