JPH06176248A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To provide the automatic teller machine for enabling the immediate opening of a new account even for a customer who does not have a registered account. CONSTITUTION:When any information required for opening the account is inputted from a CRT/touch panel part 2, the pertinent information is displayed on the CRT 1 touch panel part 2 and sent to a control part 5. At the control part 5, this information required for opening the account is sent through a communication line 7 to a high-order host device. When the account information of the newly opened account is sent from the high-order host device, the control part 5 sends the information and the instruction of card issue according to this information to a card issuing mechanism 3. Based on the account information of the new account, the card issuing mechanism 3 prints the account number or validity on a card, magnetically records these account number and validity or the like in the card and issues the card.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine,
In particular, it relates to the service contents for customers in the automated teller machine of a financial institution.

[0002]

2. Description of the Related Art Conventionally, an automatic teller machine has a function of inserting and withdrawing cash from a registered account by inserting a card or passbook corresponding to the account and operating the touch panel. Have

However, even if a customer who does not have an account registered and makes an application for opening a new account at the window, he / she only receives the passbook issued at the time of application, and the card used for withdrawing cash from the automated teller machine. Will be shipped a few days after the application.

[0004]

In this conventional automated teller machine, it is premised that a card or passbook corresponding to the registered and opened account for cash deposit / withdrawal is inserted. Therefore, the account is opened / registered. There is a problem that no customer can open a new account using this device.

Therefore, an object of the present invention is to provide an automatic teller machine which allows a customer who has not opened an account to open a new account immediately.

[0006]

The automatic teller machine according to the present invention is an automatic teller machine capable of depositing and withdrawing cash according to insertion of at least one of a passbook and a card, and is required for opening an account. It is characterized by including input means for inputting information, and issuing means for recording the information of an account opened on the basis of the information input from the input means in a storage medium and issuing the storage medium as a card. .

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention. In the figure, in order for a customer to open a new account, the CRT / touch panel unit 2 of the automated teller machine 1
Enter the information required to open an account, such as address / name / phone number / account type, and the information will be displayed on the CRT /
It is displayed on the touch panel unit 2 and sent to the control unit 5.

When information necessary for opening an account is sent from the CRT / touch panel unit 2 to the control unit 5, the information is sent to a host device (not shown) via the communication line 7.
When an account based on the information is newly opened by the host computer, account information such as the account number of the opened new account is sent from the host computer to the controller 5.

When the account information of the new account is sent from the host computer, the control unit 5 sends the information to the card issuing mechanism 3
And the card issuing mechanism 3 is instructed to issue a card based on the information.

The card issuing mechanism 3 prints the account number and the expiration date of the card on the card based on the account information of the new account sent from the control unit 5, and the account number and the expiration date are also recorded on the card. Magnetically recorded on and issue the card. Here, as the card, a low-cost paper card which is easy to print and on which a magnetic stripe is attached is used.

The deposit processing at the time of opening this new account is performed via the cash deposit / withdrawal unit 6. The deposit contents at this time are sent from the control unit 5 to the upper host device via the communication line 7. If the card issued by the card issuing mechanism 3 is inserted into the card reading mechanism 4, the contents magnetically recorded on the card can be read by the card reading mechanism 4, so that the card is shipped several days after application for a new account. It is possible to carry out cash deposit / withdrawal processing in the same manner as a normal card that comes.

The deposit / withdrawal process using the ordinary card is CR
This is performed by the T / touch panel unit 2, the control unit 5, and the cash deposit / withdrawal unit 6. Further, the control unit 5 controls the equipment of the automatic teller machine 1 as a whole.

Since the card issued by the card issuing mechanism 3 is made of paper and has low durability, a plastic card is issued at a later date and sent from the financial institution side to the customer. Further, a passbook or the like can be issued at a later date like the card.

FIG. 2 is a block diagram showing the configuration of another embodiment of the present invention. In the figure, the other embodiment of the present invention has the same structure as that of the embodiment of the present invention shown in FIG. is there. The operation of the same component is similar to that of the embodiment of the present invention.

The image reading unit 8 reads the content of the application form for opening a new account entered by the customer as image data and sends the image data to the control unit 5. The control unit 5 performs OCR processing on the image data from the image reading unit 8 and sends the information necessary for opening an account obtained by the OCR processing to the host computer via the communication line 7.

When a new account is opened based on the information and the account information such as the account number of the new account is sent from the host device to the controller 5, the controller 5 sends the account information to the card issuing mechanism 3. Card issuance mechanism 3
Instruct to issue a card. The card issuing mechanism 3 prints the account number and the expiration date of the card on the card based on the account information sent from the control unit 5, and magnetically records the information on the card to issue the card.

In this case, since the information for opening the account is input by the OCR processing by the image reading unit 8 and the control unit 5, the processing time for opening the account can be shortened.

As described above, the card issuing mechanism 3 provides the information of the opened account based on the information necessary for opening the account, which is input from the CRT / touch panel section 2 or the image reading section 8.
The account can be automatically opened by the automated teller machine 1 by printing and magnetically recording on the card and issuing the card. Therefore, even a customer who has not opened an account can immediately open a new account.
It is possible to improve the service to customers.

[0020]

As described above, according to the present invention, the information necessary for opening an account is input to an automated teller machine which can deposit and withdraw cash according to the insertion of at least one of a passbook and a card. By providing an input means and an issuing means for recording the information of an account opened based on the input information in a storage medium and issuing this storage medium as a card, even a customer who does not register an account can newly There is an effect that it is possible to provide an automated teller machine that can immediately open an account.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention.

FIG. 2 is a block diagram showing the configuration of another embodiment of the present invention.

[Explanation of symbols]

 2 CRT / touch panel unit 3 card issuing mechanism 4 card reading mechanism 5 control unit 8 image reading unit

Claims (2)

[Claims] 1. An automatic teller machine capable of depositing and withdrawing cash according to insertion of at least one of a passbook and a card, and input means for inputting information necessary for opening an account,
An automatic teller machine, comprising: issuing means for recording information on an account opened in a storage medium based on the information input from the input means and issuing the storage medium as a card. 2. The automatic teller machine according to claim 1, wherein the input means is at least one of a touch panel and an optical character reader.