JPH06149856A - Automatic transaction device with transfer function - Google Patents

Abstract

PURPOSE:To improve the operability of the customers and the maintenance performance of a financial institution for the transfer transactions. CONSTITUTION:A customer successively designates the type of a financial institution, the name of the financial institution, and a store name based on the displayed screens. When a store name is specified by the customer, the present date shown by a date clock mechanism 21 is compared with the operation start and end dates of the corresponding store contained in a financial institution information file 1. If the store specified by the customer is not under operation, an invalidity informing means 22 informs an automatic transaction device of a fact that the transfer is impossible to the relevant store. Meanwhile the present date shown by the mechanism 21 is compared with the operation start and end dates of the file 1 before a store selection screen is shown in regard of all stores to be shown. Then only the stores under operation can be displayed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like and capable of performing a transfer transaction from one store to another store.

[0002]

2. Description of the Related Art Conventionally, an automatic transaction device capable of making a transfer transaction has been installed in a financial institution or the like. In this type of device, financial institution information such as financial institution type, financial institution name and code, store name and code, system kana name (financial institution name, store name), etc. "Institution information") is stored. When performing a transfer transaction by an automatic transaction device, such financial institution information is displayed to guide the customer's input. After the customer inputs, the search results are displayed based on the input.

[0003]

However, the above-mentioned conventional technique has the following problems. That is, although the above-mentioned financial institution information is stored on the automatic transaction device side as a financial institution file, there is data that is the original data for creating this file. This original data is used by the Japan Bank Association National Bank Data Communication Center (hereinafter,
It is a “financial institution store file magnetic tape” (hereinafter “Zengin Master MT”) issued by “Zenginkyo”. Such a Zengin Master MT is used once a month to consolidate financial institutions or change stores (information on new and abandoned stores,
Issued with the change of store name, change of store number, etc.) reflected. This Zengin master MT reflects the latest information at the time of creating the MT every month, but does not include the change of information in the period until issuing the MT of the next month. Therefore, when a financial institution information file for an automatic transaction device is created using this MT as original data and applied to the automatic transaction device, there are the following problems.

(1) If there is a closed store between the time MT is created and the time it is applied to the automatic transaction device as a financial institution information file, the host computer side stores this after the customer's operation. It will be judged. As a result, the customer operation time is prolonged and the customer operability is impaired. (2) If there is a newly opened store between the time MT is created and the time it is applied as a financial institution information file to the automatic transaction device, that store will be added to the financial institution information file immediately after opening. Not reflected. As a result, the transfer to the newly opened store cannot be handled by the automatic transaction device, and the customer serviceability deteriorates.

In order to avoid these problems, at the time when the financial institution information is changed, new financial institution information reflecting the changed information is used after the end of business on the day before the change occurs or before the start of operation on the day. It was necessary to re-register with the automatic transaction device side. In particular, with the recent progress in financial liberalization, financial institutions have been actively merged and new stores have been established or consolidated.Therefore, financial institution information on automated transaction equipment reflects changes in a timely manner. It is required to be. On the other hand, there is an automatic transaction device capable of inputting a monthly schedule and the like (see Japanese Patent Laid-Open No. 153859/1992), but since it does not use existing data, a large amount of data is input. A lot of work is required when inputting. The present invention has been made in view of the above points, and provides an automatic transaction device with a transfer function that improves the operability of a transfer transaction by changing financial institution information in a timely manner with easy maintenance. The purpose is.

[0006]

An automatic transaction device with a transfer function according to the present invention is provided for each financial institution or each financial institution's store.
A financial institution information file that stores one or both of the operation start date and the operation end date, a date clock mechanism that displays the current date, date data that the date clock mechanism displays after selecting the transfer destination, and If the operation start date and / or operation end date of the selected financial institution or store in the financial institution information file or both are compared, and the selected store is not in operation, a notification means for notifying that effect. It consists of and. In addition, for each financial institution or for each store of the financial institution, a financial institution information file that stores one or both of the operation start date and the operation end date, a date clock mechanism that displays the current date, and a transfer destination before selection The date data displayed by the date clock mechanism and one or both of the operation start date and operation end date of each financial institution or each store in the financial institution information file are compared, and only the store in operation is compared. And a selection screen display means for displaying.

[0007]

In the automatic transaction device with the transfer function of the present invention,
When the customer selects the transfer destination in the transfer transaction, the financial institution information file is referred to. At this time, the customer sequentially specifies the financial institution type, financial institution name, and store name according to the screen displayed on the display device. When the customer specifies the store name, the current date displayed by the date clock mechanism is compared with the operation start date and operation end date of the corresponding store in the financial institution information file. As a result of this comparison, when the store specified by the customer is not in operation, a message indicating that the transfer transaction cannot be transferred to the store corresponding to the operation unit of the automatic transaction device without the electronic message of the transfer transaction being transmitted to the host computer. In other methods, the current date displayed by the date clock mechanism and the operation start date and operation end date in the financial institution information file are displayed for all displayed stores before the store selection screen is displayed on the operation unit. And are compared. As a result, only the stores currently in operation are displayed on the operation unit. Also,
Similar to the case where the customer selects the store, even when the customer selects the financial institution, if the money cannot be transferred to the relevant financial institution, that effect is displayed.

[0008]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 1 is a block diagram of an embodiment of an automatic transaction device with a transfer function of the present invention. The illustrated apparatus includes a financial institution information file 1, a control unit 2, an operation unit 3, and the like. The financial institution information file 1 adds information on the operation start date and operation end date for each financial institution type, each financial institution, and each store name. In this case, the type 11, name 12, and store name 13 of the financial institution are directly or indirectly read from the Zengin master MT10 (for example, after being converted into a format and a medium that can be read by the automated teller machine based on the Zengin master MT10). Set with. And after issuing the Zengin Master MT10,
Only the operation start date of the store or financial institution whose operation is to end and the operation start date of the store or financial institution for which the new opening date has been decided are entered by the maintenance work outside the business hours. That is,
It is not necessary to input the operation start date or operation end date of the store or financial institution currently in operation or already reflected in Zengin Master MT10. The control unit 2 includes a date / time mechanism 21, an invalidation notification unit 22, and a selection screen display unit 23. The date clock mechanism 21 displays the current date and time.

The invalidation notification means 22 compares the date data displayed on the date clock mechanism 21 with the date data for each financial institution type, financial institution, and store in the financial institution information file 1. This comparison is performed after selecting the transfer destination in the customer's transfer transaction operation. Then, as a result of this comparison, when the selected transfer destination store is not in operation, the fact is notified to the customer through the CRT 31 or the voice guidance device 5. Before the customer selects the transfer destination, the selection screen display means 23 displays the date data displayed on the date and time mechanism 21, individual financial institution types on the financial institution information file 1,
Compare with date data for each financial institution and store. Then, as a result of this comparison, only the stores of the financial institutions determined to be in operation are displayed on the transfer destination selection screen. The invalidation notification unit 22 and the selection screen display unit 23 described above may be provided with either one or both. The operation unit 3 includes a CRT 31 and a touch panel 3
It consists of 2. The CRT 31 displays various screens for guiding customer operations. As is well known, the touch panel 32 is made of a transparent electrode plate or the like, and is a device for performing an input corresponding to the screen displayed on the CRT 31. CRT31
May be another display device such as a liquid crystal display device, and a normal keyboard may be used instead of the touch panel.

The banknote depositing / dispensing machine 4 is
Used when a customer makes a cash transfer transaction.
The voice guidance device 5 includes a speaker and the like, and guides the operation by voice to the customer. FIG. 2 is an explanatory diagram of a configuration example of the financial institution information file. The illustrated file has a financial institution initial letter index for each financial institution type. The types of financial institutions include city banks, regional banks, agricultural cooperatives, and the like. Of these, regional banks manage data for each store of each regional bank. In the financial institution initial letter index, the bank name of each initial letter is stored in the order of the Japanese syllabary from the group of the initial letter "a". The store initial letter index is stored for each initial letter bank. Store name initial index is 5 from the group of initial "A"
Stored names of initials are stored in the order of 0 sounds. And
Store name data is stored for each store with the initial letters.

FIG. 3 is an explanatory diagram of data in the financial institution name information file. As shown in FIG. 3A, the operation start date and operation end date and the like are stored corresponding to the financial institution name. The financial institution name stores kanji notation (for example, Sanoichi Bank) and Zengin Kana abbreviation (for example, Sanoichi). The operation start date is the date when a new financial institution is opened and the operation is started. For example, even when two banks are merged and given new names, the transfer start transaction is handled in the same manner as the opening of a new bank, so an operation start date is set. The operation end date is the date on which the financial institution's business ends. For example, when two banks are merged, it is not possible to make a transfer transaction with one of the two bank names to be merged, so an operation end date corresponding to those bank names is set. Thus, either one of the operation start date and the operation end date is usually set, but both may be set. For example, there is a case where two banks are merged, operate under a temporary name for a certain period of time, and then change to an official name.

Further, as shown in FIG. 3B, the operation start date and operation end date are stored corresponding to the store name. This is for example to cope with the case where a store is expanded due to business expansion of a bank. If such store data exists, that is indicated in the lower order record instruction data shown in FIG. 4 and 5 are flow charts for explaining the flow of processing in the apparatus of the embodiment of the present invention. 6 to 13 are C of the automatic transaction device, respectively.
It is a figure which shows the example of a customer operation guidance screen displayed on RT. FIG. 4 shows an example in which when the data selected by the customer is invalid, the fact that the data is invalid after the selection is notified. First, the transaction selection screen of FIG. 6 is displayed. Accordingly, when the customer desires a transfer transaction, "transfer" is selected (step S1). After that, the transfer destination financial institution type selection screen shown in FIG. 7 is displayed. This allows the customer to
For example, a local bank is selected (step S2).

When the financial institution name selection screen corresponding to the selected type of transfer destination financial institution does not fit on the display portion of the CRT 31, after that, the transfer destination financial institution initial name input screen shown in FIG. 8 is displayed. Is displayed. Thereby, when the customer desires, for example, "Sanoichi Bank", "Sa" is selected (step S3). Further, when all the financial institution name selection screens corresponding to the selected type of transfer destination financial institution fit within the display portion of the CRT 31, the financial institution name selection screen of FIG. 9 is directly displayed. As a result, the financial institution name selection screen of FIG. 9 is displayed. That is, the information of the group with the initial letter "SA" from the regional bank group in the financial institution information file,
“Sanoichi”, “Sanoji”, “Sanosan”, and “Sano4” are displayed. When the customer desires "Sanoichi Bank", "Sanoichi" is selected (step S4). After that, the store initials input screen shown in FIG. 10 is displayed. This allows
For example, if a customer wants “Nano-Kyu Branch”, “N”
Is selected (step S5). As a result, all branch names with the initials of "na" in "Sanoichi Bank" among the initials of "sa" of the regional bank group in the financial institution information file are displayed (step S6).

When a customer wants "Nano-Kyu Branch",
"Nanokyu" is selected (step S7). Thereafter, the operation start date and operation end date in the store record of "Nanokyu branch" of "Sanoichi Bank" in the financial institution information file are compared with the date of the date clock function of the device (step S).
8). As a result, when the "Nanokyu branch" is in operation, subsequent transaction processing is continued. On the other hand, when the "Nanokyu branch" is not in operation, the invalidation notice screen shown in FIG. 12 is displayed (step S9). At this time, a message such as "The designated branch office is closed on XX month XX month XX day." Or "The designated branch office will be opened from XX month XX month XX day." Notification of the end date or the start date of operation may be given. After this, this transfer transaction is suspended. Next, FIG. 5 shows an example in which invalid data is not displayed. That is, in this example, it is detected that the "Nano-Kyu Branch" is not in operation, for example, prior to the operation by the customer, and a screen as shown in FIG. 13 is displayed instead of the screen in FIG.

In FIG. 5, steps S11 to S15 are performed.
Are the same as steps S1 to S5 of FIG. 4, respectively, and therefore, duplicated description will be omitted. When the customer desires, for example, "Nanokyu branch" in step S15 and selects "na" on the store initial letter input screen of FIG. 10, only valid date data is extracted (step S16). That is, when displaying the branch name with "Na" in "Sanoichi Bank" in the initials of "Sa" of the regional bank group in the financial institution information file, the operation start date and operation of each corresponding store record The end date is compared with the date indicated by the date clock mechanism on the device. As a result, only operating stores are extracted as display targets. As a result, the store selection screen of FIG. 13 is displayed (step S17). In this figure, "Nanokyu branch" is excluded from the display target. As a result, when the customer desires the "Nano-Kyu branch", the procedure by the automatic transaction device is stopped, and when the customer desires another branch, the desired branch name is selected (step S18).

It should be noted that a combination of the methods shown in FIGS. 4 and 5 may be adopted in which the stores which have already been closed are displayed and the stores which are newly opened are not displayed. If the customer selects the store by displaying the store that is already closed, and the customer does not yet know that the store has been closed, FIG.
It can be notified by the display of the screen of 2. In addition, in the present embodiment, the control regarding the information for each store has been described, but the same control can be performed for controlling the information for each financial institution and the information for each financial type. There are the following methods (1), (2), and (3) as a method of reflecting the data corresponding to the date on the financial institution information file. (1) At the time of creating a financial institution information file from Zengin MT, data that changes the date is input together with date data. (2) The utility on this device is activated to add the date data only for the change to the financial information file in this automatic transaction device. This method includes a method of manually inputting change data and a method of recording the change data group on a medium such as a floppy disk and loading the change data into the automatic transaction device to obtain financial institution information in the automatic transaction device. There is a method to update the file. (3) The entire date or only the changed date data is downloaded as change data from the host system and the monitoring system which are the higher stations of the automatic transaction device, and the automatic transaction device converts the entire downloaded date data or Replace only the changes.

[0017]

As described above, according to the automatic transaction device with the transfer function of the present invention, the financial institution information file on the automatic transaction device has the operation start date and the operation end date for each financial institution and each store. In this way, the handling control of each data on the automatic transaction device is changed based on the result of comparison with the date data on the automatic transaction device. It is possible to improve the sex. More specifically, after confirming that the transfer destination store selected by the customer or another financial institution is operating, the subsequent transaction processing will proceed, so waiting time during operation will occur due to unnecessary processing. Can be prevented. Also, when performing a transfer service on holidays, only temporary transactions will be performed, and the actual transaction will be on the next Monday etc.However, in this case as well, it is possible to confirm that the transfer destination is in operation. ,
This prevents the customer from having to perform the transaction again after the actual transaction stage, when the transaction becomes impossible. On the other hand, since the financial institution information file can be created by using the data stored in the Zengin master MT, the maintenance work can be completed in a short time by changing only the date data.

[Brief description of drawings]

FIG. 1 is a block diagram of an embodiment of an automatic transaction device with a transfer function of the present invention.

FIG. 2 is a diagram showing a configuration example of a financial institution information file.

FIG. 3 is a diagram showing date data in a financial institution information file.

FIG. 4 is a diagram showing an example of a processing flow according to an embodiment of the present invention.

FIG. 5 is a diagram showing another example of the flow of processing in the embodiment of the present invention.

FIG. 6 is a diagram showing a transaction selection screen.

FIG. 7 is a diagram showing a transfer destination financial institution type selection screen.

FIG. 8 is a diagram showing a transferee financial institution initial letter input screen.

FIG. 9 is a diagram showing a financial institution name selection screen.

FIG. 10 is a diagram showing a shop initial letter input screen.

FIG. 11 is a diagram showing an example of a store selection screen.

FIG. 12 is a diagram showing an example of an invalidation notification screen.

FIG. 13 is a diagram showing an example of a store selection screen.

[Explanation of symbols]

 1 financial institution information file 2 control unit 3 operation unit 21 date clock mechanism 22 invalidation notification unit 23 selection screen display unit

Claims (2)

[Claims] 1. A financial institution information file storing one or both of an operation start date and an operation end date for each financial institution or each store of a financial institution, a date clock mechanism for displaying the current date, and a transfer. After the previous selection, the date data displayed by the date clock mechanism is compared with either or both of the operation start date and operation end date of the selected financial institution or store in the financial institution information file, and the selected data is selected. When the store is not in operation, the automatic transaction device with a transfer function, which comprises a notifying means for notifying that fact. 2. A financial institution information file storing one or both of an operation start date and an operation end date for each financial institution or each store of a financial institution, a date clock mechanism for displaying the current date, and a transfer. Before selecting the destination, the date data displayed by the date clock mechanism is compared with one or both of the operation start date and operation end date of each financial institution or each store in the financial institution information file, and both are in operation. An automatic transaction device with a transfer function, which comprises selection screen display means for displaying only stores.