JPH0620131A - Automatic cash transaction device - Google Patents

Abstract

PURPOSE:To improve the convenience of a customer and to improve the opera tion efficiency of an automatic cash transaction device by displaying the transac tion guidance (dealing possible amount, dealing denomination, dealing of coins, simultaneously entry of card/bankbook, etc.,) at the time of starting the transac tion with the customer, performing the transaction operation by referring to this and preventing beforehand the transaction refusal and the transaction cancel lation, regarding the guidance system performing the guidance display at the time of performing the transaction of the cash automatic transaction device. CONSTITUTION:A transaction guidance display processing 3 displaying the transaction guidance relating to a selected transaction is provided on an automatic cash transaction device 1. After the transaction guidance display processing 3 performs the transaction guidance display necessary for the selected transaction in accordance with the selection of the transaction from the transaction classification displayed on a screen, data is read from an inserted card or a bankbook and a transaction processing is performed in accordance with the instruction of the start of the transaction.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to guidance for displaying guidance during a transaction of an automatic teller machine.

[0002]

2. Description of the Related Art Conventionally, when conducting transactions using an automated teller machine, the handling limit amount, fee, etc. for each transaction are indicated on a guide plate near the automated teller machine or on a sticker attached to the instrument itself. It was clear.

At the time when the customer has considerably advanced the input processing (for example, a guidance screen at the time of inputting the amount of money), the automatic teller machine can operate only the 10,000-yen ticket due to the 1,000-yen ticket running out and the operation without coins due to the running out of coins. You will know (see Figure 9).

The flow of the conventional payment transaction will be briefly described below with reference to FIG. In FIG. 9, in S51, the automated teller machine waits for a customer. In S52, the customer presses the payment key and selects the payment transaction.

At S53, the customer inserts the card. S5
In 4, the customer inputs the personal identification number. In S55, the customer inputs the amount of money he / she wants to pay.

In step S56, it is determined whether or not the desired payment amount input in step S55 is available. If YES, S5
Proceed to 7. On the other hand, in the case of NO, since the amount of money desired to be paid exceeds the amount of money that can be handled, the amount is displayed again in S65, and the customer is prompted to re-input the amount of money within the amount of money that can be handled. Then, the customer re-enters the amount in S55, and since it is within the available amount this time, the result in S56 is YES and the process proceeds to S57.

In step S57, an amount confirmation is input. S58
Prints in the first half. This prints the first half of the contents read from the card and the contents entered (handler number, handling date, bank, dealer, account number, transaction amount, etc.).

In step S59, a payment request message is transmitted to the center computer via the line to inquire. In S60, the payment response message is received from the center computer via the line.

In step S61, the cash of the payment amount desired by the customer is counted. In S62, the latter half printing / journal printing is performed. This prints the balance sent from the center computer as the second half printing and prints the journal.

In step S63, the card / receipt is discharged.
S64 releases cash. The customer takes this out and completes a series of payment transactions.

[0011]

As described above, when the customer overlooks the amount of money that can be handled, which is written on the guide plate near the automatic teller machine, the amount of money that can be handled by the automatic teller machine before the transaction is started. Not being able to recognize the contents, the customer is forced to refuse or cancel the transaction at a stage where the operation has advanced considerably, and it becomes necessary to re-input and the like, and the operation efficiency of the automated teller machine is reduced. There was a problem. Specifically, in S55 of FIG. 9, the payment amount is input, and in S56, it is determined whether or not the amount of money can be handled, and when it exceeds, the amount re-input screen is displayed in S65. Since it is recognized, there is a problem that it is necessary to look at this and input again. In the example of FIG. 9, it takes time for inputting the amount of money (for example, 5 seconds) and time for re-entering the amount of money and determining that the customer has exceeded the amount of money and determining the amount of money to be re-inputted. As the operation was required, the operation efficiency of the automated teller machine was reduced.

The present invention solves these problems by
At the start of a customer's transaction, display the transaction guide (possible amount of money, handling denomination, handling of coins, simultaneous entry of card / passbook, etc.) and perform transaction operations with reference to prevent transaction refusal and transaction cancellation in advance. It aims to improve the convenience of customers and the operational efficiency of automated teller machines.

[0013]

[Means for Solving the Problems] Means for solving the problems will be described with reference to FIG. In FIG. 1, a cash automatic transaction device 1 is a device for performing automatic cash transactions.

The transaction processing 2 is for performing various transactions of cash (payment, transfer, etc.), and is composed of the transaction guide display processing 3 and the like here. The transaction guidance display process 3 displays transaction guidance relating to the selected transaction.

[0015]

According to the present invention, as shown in FIG. 1, in response to the transaction selected from the transaction types displayed on the screen, the transaction guidance display processing 3 displays the transaction guidance necessary for the selected transaction. Then, in response to the transaction start instruction, the data is read from the inserted card or passbook, and the transaction process 2 performs the transaction.

At this time, in response to the payment transaction being selected on the screen, the transaction guide display process 3 displays the payment limit amount,
Display payment transaction information such as card fee, coin handling / non-coin handling, and denomination handling, and in response to an instruction to start a transaction, transaction processing 2 inserts a card or passbook and makes payment corresponding to the amount input. I try to make a deal. In addition, in response to the transfer transaction being selected on the screen, the transaction guide display processing 3 displays the transfer limit amount, the transfer method (telephone handling / document handling),
Displays transfer transaction information such as whether or not other banks can be transferred and whether or not coins can be handled, and transaction processing 2 can insert a card or passbook and enter the amount of money in response to an instruction to start a transaction. I am trying to make a transfer. In addition, in response to the selection of a deposit transaction on the screen, the transaction guide display processing 3 includes handling deposits (normal / term / current), handling media (card / passbook), coin handling enabled / disabled, and deposits. The deposit transaction information such as the maximum number of sheets is displayed, and in response to the instruction to start the transaction, transaction processing 2 inserts a card or passbook and deposits corresponding to the amount of money inserted.

Therefore, when the customer starts the transaction, the transaction guide (the amount of money that can be handled, the type of denomination, the handling of coins, the simultaneous entry of cards / passbooks, etc.) is displayed, and the customer operates the transaction by referring to the transaction guide. It is possible to prevent refusal and transaction cancellation in advance to improve convenience, and it is possible to improve operation efficiency of the automatic teller machine.

[0018]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the construction and operation of an embodiment of the present invention will be described in detail with reference to FIGS.

FIG. 1 shows a block diagram of an embodiment of the present invention.
In FIG. 1, an automatic cash transaction apparatus 1 is an apparatus for performing automatic cash transactions, and includes transaction processing 2, system setting 4, transaction mode 5, unit state monitoring processing 6, transfer destination branch name file 7, display / input. The unit 8 includes a card / receipt processing unit 9, a passbook processing unit 10, a banknote processing unit 11, a coin processing unit 12, a clock 13, and the like.

The transaction processing 2 is for performing various transactions (payment transaction, transfer transaction, deposit transaction, bookkeeping transaction, balance inquiry transaction, etc.), and here it is composed of transaction guide display processing 3 and the like. Yes (described later with reference to FIGS. 2 and 5).

The transaction guide display processing 3 displays the transaction guide necessary for the transaction prior to the transaction. For example ・ As for payment transaction information in case of payment transaction, as shown in Fig. 4, ・ Payment limit: 800,000 yen ・Overtime fee: [Bank transaction] 103 yen [Other bank transaction] 206 yen ・ Coin handling : No・ Handling denomination: 10,000 yen ticket, 1,000 yen ticket , exchange available・ Passbook simultaneous entry: Yes, where the underlined part represents variable information.

The system setting 4 is the limit amount and the overtime (inside)
It stores data such as fees. The transaction mode 5 stores a transaction mode such as simultaneous passbook entry.

The unit state monitoring processing 6 monitors the state of each unit, for example, running out of coins, running out of 1,000 yen bills, and the like. The transfer destination branch name file 7 is a file in which other bank names, branch names, etc. necessary for the transfer transaction are registered.

The display / input unit 8 is operated by the customer by displaying transaction guidance, various guidance, displaying an amount for confirmation, seeing the transaction guidance and guidance displayed on the screen. For example, it takes in the input contents.

The card / receipt processing unit 9 stores data (account number, etc.) corresponding to the insertion of the card.
It is used to read a transaction, eject a processed card, print the contents of a transaction on a receipt, and send it out.

The passbook processing unit 10 reads data in response to the insertion of a passbook and conducts transactions (payment, payment,
It is for printing out deposits, balances, etc., or discharging processed passbooks.

The bill processing unit 11 takes in bills, discriminates and counts bills, discharges bills, and the like. The coin processing unit 12 takes in coins, discriminates and counts coins, ejects coins, and the like.

The clock 13 counts the date and the like. The control unit 14 performs overall control of the entire unit (which controls the flow of FIGS. 2 and 5).

The center computer 15 is a computer on the side of the center connected via a line, has a master file, and inquires about various transactions based on the customer's account number from each automated teller machine 1. On the other hand, it refers to the master file to instruct permission / non-permission of transactions.

Next, according to the flow chart of FIG. 2, referring to FIGS. 3 and 4, the operation at the time of payment transaction in the configuration of FIG. 1 will be described in detail. In FIG. 2, S1 waits for a customer. For example, the automatic teller machine 1 of FIG. 1 displays the screen of FIG. 3 and waits for a transaction selection from the customer.

In step S2, the payment key is pressed. This is because the customer presses the "payment key" with his / her finger in order to perform a payment transaction, for example, on the screen of FIG. In S3, payment transaction information is displayed. This corresponds to the fact that the customer presses the "payment key" to perform the payment transaction on the screen of FIG. 3 in S2, and the payment transaction guide necessary for this payment transaction is shown collectively in FIG. , Display as below.

・ Payment limit: 800,000 yen ・ Overtime fee: [Bank transaction] 103 yen [Other bank transaction] 206 yen ・ Coin handling: No ・ Handling denomination: 10,000 yen ticket, 1,000 yen ticket, currency exchange Yes ・ Passbook simultaneous entry: Yes A customer who sees this payment transaction guide can know in advance the payment limit of the payment transaction of the automated teller machine 1.
Here, the payment limit is the maximum limit of one payment transaction. The overtime fee is one time fee for the overtime payment transaction (when the clock 13 is within the bank transaction time, it is displayed as 0 yen for the bank transaction and 103 yen for the other bank transaction). The handling of coins is automatically displayed when the coins are set in the coin processing unit 12 and when the coins are insufficient, the coins are not displayed. Similarly, the handling denomination is also the banknote processing unit 11
If there are 10,000-yen and 1,000-yen tickets, the denominations to be handled are automatically displayed as 10,000-yen and 1,000-yen tickets, and those that do not are not displayed. Simultaneous passbook entry displays the state set in advance in transaction mode 5 in FIG.

In step S4, it is determined whether the transaction has started. This determines whether the customer has pressed the "transaction start button" on the payment transaction guide screen to instruct the transaction start. In the case of YES, it progresses to S5. On the other hand, in the case of NO, since the customer has pressed the “transaction end button” on the payment transaction guide screen of FIG. 4, the transaction ends in S16.

At S5, a card is inserted. This involves the customer inserting the card into the card / receipt processing unit 9 of FIG. In response to this, the card / receipt processing unit 9 reads the account number and the like from the card, and the control unit 14
The transaction processing 2 is notified via.

In step S6, a personal identification number is input. For this, the customer presses a keyboard (or a keyboard image displayed on the screen) (not shown) to input the personal identification number into the display / input unit 8. In response to this, the display / input unit 8 notifies the transaction processing 2 of the input personal identification number via the control unit 14.

In S7, the amount of money is input. In this case, the customer presses a keyboard (or a keyboard image displayed on the screen) (not shown) to input the payment amount into the display / input unit 8. In response to this, the display / input unit 8 notifies the transaction processing 2 of the input payment amount via the control unit 14.

In S8, the amount confirmation is input. This is S
The payment amount entered by the customer in step 7 is displayed on the screen, and confirmation that the customer has confirmed the amount is entered. In S9, the first half is printed. This prints the contents processed by the operation up to the first half of the following printing.

Transaction type Handling store number Device number Handling date Payment 001 0001 YY-MM-DD Trading bank Dealer account number 9999 000 1234567 Transaction number Transaction amount 0001 ¥ 500,000 (first half printed so far) Post-trade balance (after this (Printed in the second half) ￥ 1,199,897 Information Thank you for using our service.

The fee is 103 yen. In S10, a payment request message is transmitted. The transaction processing 2 of FIG. 1 transmits a payment request message in which the data up to now (data printed in the first half) into a message is transmitted to the center computer 15 through the line. Upon receiving this payment request message, the center computer 15 refers to the master file, refers to the balance of the customer's account number, etc., and decides whether to permit or disallow payment. Here, the payment response message for permission is cashed. It transmits to the automatic transaction device 1.

In step S11, the automated teller machine 1 receives the payment response message. S12 counts cash. This is S
Since payment permission has been obtained here by the payment response message in 11, the amount of cash to be paid is counted.

In step S13, the latter half printing / journal printing is performed. This performs the latter half printing described above, and also performs the journal printing stored inside. In step S14, the card / receipt is released. This releases the receipt printed in S13 and the card for which the payment transaction has been completed.

In step S15, cash is discharged. According to the above procedure, in response to the customer pressing the "payment key" on the screen of FIG. 3, for example, the information necessary for the payment transaction is collectively displayed as the payment transaction guide of FIG. 4 and viewed. Customers can see here: ・ Payment limit is 800,000 yen ・ Coin handling is not possible ・ Passbook simultaneous entry is possible, etc. The customer who recognizes these performs the series of payment transactions of S5 to S15 in FIG. 2 by pressing "Start Transaction" on the screen. As a result, the customer can recognize all the information required for the selected payment transaction at the time of starting the payment transaction, eliminate unnecessary operations and re-inputs in the subsequent payment transactions, and can perform the payment transaction in a short time. In addition, it becomes possible to improve the operation efficiency of the automatic teller machine 1.

FIG. 3 shows an example of a display screen when waiting for a customer according to the present invention. This is an example of a display screen in a state where the automated teller machine 1 of FIG. 1 is waiting for a customer's transaction. Here, select any of the following transactions: deposit, payment, bookkeeping, afterglow (balance inquiry), and transfer.
When "Payment" is clicked, the screen changes to the screen shown in FIG.
When "Transfer" is pressed, the screen transitions to the screen shown in FIG.

FIG. 4 shows an example of a display screen of transaction content guidance at the time of payment transaction of the present invention. This is an example of a payment transaction guide screen displayed when "Payment" is pressed on the display screen of FIG. This payment transaction guide displays information necessary for payment transactions, and is displayed as shown here. The underlined portion represents variable information. For example, the payment limit of "800,000 yen" can be changed by changing the payment limit set in the system setting 4 of FIG.
Further, “not allowed” for handling coins corresponds to the result (not allowed here) of checking whether the coin can be handled or not in the coin processing unit 12 of FIG. The same applies to other "thousand yen tickets".

Next, according to the flow chart of FIG. 5, with reference to FIGS. 3 and 6, the operation at the time of the transfer transaction in the configuration of FIG. 1 will be described in detail. In FIG. 5, S21 waits for the customer. For example, the automatic teller machine 1 of FIG. 1 displays the screen of FIG. 3 and waits for a transaction selection from the customer.

In step S22, the transfer key is pressed. this is,
The customer presses the "transfer key" with his / her finger on the screen of Fig. 3 in order to perform the transfer transaction. S23 displays the transfer transaction guide. This corresponds to the customer pressing the “transfer key” to perform the transfer transaction on the screen of FIG. 3 in S22, and the transaction guide required for this transfer transaction is collectively shown in FIG. Display as follows. Customers who see this transfer transaction guide are: -Handling transfer: Card transfer (our card only) -Passbook
Simultaneous posting possible Cash transfer (no card / passbook required) / Transfer to other bank: Yes / Use of transfer card: No / Coin handling: Yes / Transfer method: Telegraph / Document processing / Transfer limit: [Card Transfer] 5 million yen [cash transfer] Up to 100 banknotes and up to 100 coins, and know that the automated teller machine 1 is in use.
The underlined part is variable information. Here, the handling transfer is
Three are displayed (only the handling transfer possible in the automatic cash transaction apparatus 1 is displayed). The transfer to another bank is displayed as “OK” when another bank, branch or the like is registered in the transfer destination branch name file 7 of FIG. For the handling of coins, check the state of the coin processing unit 12 in FIG.
Is displayed.

In step S24, it is determined whether the transaction is started. this is,
On the transfer transaction guide screen in Fig. 6, the customer clicks the "Start transaction" button.
Press to determine whether you have instructed to start trading. In the case of YES, the processing proceeds to S25. On the other hand, in the case of NO, since the customer has pressed the “transaction end button” on the transfer transaction guide screen of FIG. 6, the transaction ends in S45.

In step S25, the transfer type is selected. this is,
The customer selects one of the three types of handling transfer displayed on the screen of FIG. 6, that is, “card + passbook” (passbook simultaneous entry possible), from the screen (not shown).

In S26, the card is inserted. This involves the customer inserting the card into the card / receipt processing unit 9 of FIG. In response to this, the card / receipt processing unit 9 reads the account number and the like from the card, and the control unit 1
Notify transaction process 2 via 4.

In step S27, a passbook is inserted. In this, the customer inserts the passbook into the passbook processing unit 10 of FIG. In response to this, the passbook processing unit 10 reads the account number or the like from the passbook and notifies the transaction processing 2 via the control unit 14.

In step S28, the personal identification number is input. this is,
The customer presses a keyboard (or a keyboard image displayed on the screen) (not shown) to input the personal identification number into the display / input unit 8. In response to this, the display / input unit 8 notifies the transaction processing 2 of the input personal identification number via the control unit 14.

In step S29, the bank of the transfer destination is selected. S3
0 selects the transfer destination branch. In S31, the account number is input.

In step S32, the recipient name is input. S33
Enter the transfer amount. In S34, the input information is confirmed.

In step S35, the inquiry about the transfer contents is transmitted. This is the information selected, entered and confirmed by the customer (bank of transfer,
(Branch, account number, recipient name, transfer amount) are transmitted to the center computer 15. The center computer 15 refers to the master file, confirms the received content, and determines whether the transfer is possible or not.

In step S36, the inquiry about the transfer contents is received.
This receives the inquiry result (good or bad of the inquiry content) of the transfer content inquired to the center computer 15 in S35. S37
The customer confirms the transfer details.

In S38, the first half printing is performed. This prints the contents processed by the operation up to the first half of the following printing. Transaction type Dealer number Device number Handling date Transfer 001 0001 YY-MM-DD Trading bank Dealer account number 9999 000 1234567 Transaction number Transaction amount 0001 ¥ 56,000 (first half printing up to here) Fee Post-trade balance (after this half printing ) ¥ 618 ¥ 1,234,567 Information × × Bank ○○ Branch Account number Ordinary 8765432 Recipient name ○○ △ △ Requester name ×× ○○ S39 sends a transfer request message. This sends a transfer request message in which the transfer content confirmed by the customer is converted into a message via the line to the center computer 15.

In S40, the transfer response message is sent to the center computer 1
Receive from 5. In S41, the second half printing is performed. This performs the latter half printing described above. In S42, the passbook / journal is printed.

In step S43, the card / receipt is discharged. S
44 releases the passbook. According to the procedure described above, in response to the customer pressing the “transfer key” on the screen of FIG. 3, for example, the information necessary for the transfer transaction is collectively displayed as the transfer transaction guide of FIG. 6 and viewed. Customers can find out here: ・ Bank transfer ・ Bank transfer to other banks: Yes ・ Coin handling: Yes ・ Bank transfer limit: [Card transfer] 5 million yen. The customer who recognizes them presses "Start transaction" on the screen and clicks S25 in FIG.
From S44 to S44, a series of transfer transactions are performed. As a result, the customer can recognize all the information necessary for the selected transfer transaction at the time of starting the transfer transaction, eliminating unnecessary operations and re-entry in the subsequent transfer transactions, and can perform the transfer transaction in a short time. In addition, it becomes possible to improve the operation efficiency of the automatic teller machine 1.

FIG. 6 shows an example of a display screen of transaction content guidance at the time of transfer transaction of the present invention. This is an example of a transfer transaction guide screen displayed when "transfer" is pressed on the display screen of FIG. This transfer transaction guide displays information necessary for the transfer transaction, and is displayed as shown here. The underlined portion represents variable information. For example, the payment limit [card transfer] "5 million yen" can be changed by changing the transfer limit by card transfer set in the system setting 4 of FIG. Further, "possible" for handling coins corresponds to the result (possible here) that the coin handling unit 12 of FIG.

Next, according to the flow chart of FIG. 7, with reference to FIGS. 3 and 8, the operation at the time of deposit transaction in the configuration of FIG. 1 will be described in detail. In FIG. 7, S71 waits for the customer. This is because the automatic teller machine 1 of FIG.
Is displayed and waiting for a transaction selection from the customer.

In S72, the deposit key is pressed. this is,
The customer presses the "deposit key" with his / her finger on the screen of FIG. 3 in order to perform the deposit transaction. S73 displays the deposit transaction content. This corresponds to the fact that the customer presses the "deposit key" to perform the deposit transaction on the screen of FIG. 3, for example, in S72, and the transaction guide required for this deposit transaction is collectively shown in FIG. , Display as below. Customers who saw this deposit transaction content: ・ Deposits handled: ordinary deposits , time deposits , current deposits , handling mediums: passbooks , cards , coins Handling: possible・ Deposit limit number: up to 100 banknotes up to 100 coins And know that the automated teller machine 1 is in use.
The underlined portion is variable information. Here, the handling deposit is 3
Is displayed (only the deposits that can be handled by the automated teller machine 1 are displayed).

As the handling media, media which can be handled by the system setting of FIG. 1 are displayed. Regarding the handling of coins, the state of the coin processing unit 12 of FIG. 1 is checked, and when it is OK, “OK” is displayed.

In step S74, it is determined whether the transaction is started. this is,
On the deposit transaction guide screen in Fig. 8, the customer clicks the "Start transaction" button.
Press to determine whether you have instructed to start trading. If YES, the process proceeds to S75. On the other hand, in the case of NO, since the customer has pressed the “transaction end button” on the deposit transaction guide screen of FIG. 8, the transaction ends in S83.

In step S75, a passbook is inserted. This is because the passbook processing unit 10 reads the account number from the passbook,
The transaction processing 2 is notified via the control unit 14. here,
By depositing into the ordinary deposit and inserting the ordinary page of the passbook, the transaction proceeds to deposit into the ordinary deposit.

In step S76, the deposit cash is accepted. When a customer puts cash to be deposited into the cash slot of the banknote processing unit 11 and the coin processing unit 12, the customer counts and confirms the authenticity of the cash. In response to this, the bill processing unit 11 and the coin processing unit 12 notify the transaction processing 2 of the received amount of money via the control unit 14.

In step S77, a deposit amount confirmation input is performed. This displays the deposit amount accepted in S76 on the screen,
Confirmation input that the customer has confirmed the amount. S78 is
Send a deposit request message. The transaction processing 2 in FIG. 1 transmits a deposit request message, which is a message of the data (deposit amount, account number, etc.) up to now, to the center computer 15 through the line.

Upon receiving this deposit request message, the center computer 15 refers to the master file to search for the customer's account number and decides whether to permit or disallow the deposit. Here, the deposit response message of permission is cashed. It transmits to the automatic transaction device 1.

In S79, the automated teller machine 1 receives the deposit response message. S80 stores cash. this is,
Since the deposit permission is obtained here by the deposit response message in S79, the bill processing unit 11 and the coin processing unit 1
The cash temporarily pooled inside 2 is stored in the safe in the unit.

In S81, passbook / journal printing is performed.
This prints the date, deposit amount, and post-trade balance on the passbook, prints the history of the trade on a journal, and stores it internally.

In step S82, the passbook is released. According to the above procedure, in response to the customer pressing the “deposit key” on the screen of FIG. 3, for example, the information necessary for the deposit transaction is collectively displayed as the deposit transaction guide of FIG. 8 and viewed. Customers can check the following: ・ Deposits handled ・ Handling medium: passbook ・ Coins handled: Yes ・ Limited number of deposits: up to 100 banknotes up to 100 coins

The customer who recognizes these performs the series of deposit transactions shown in FIG. 7 by pressing "start transaction" on the screen. Figure 8
FIG. 5 shows an example of a display screen of transaction content guidance at the time of deposit transaction of the present invention. This is an example of a deposit transaction guide screen displayed when "deposit" is pressed on the display screen of FIG. This deposit transaction guide displays information necessary for deposit transactions, and is displayed here as shown in the figure. The underlined portion represents variable information. For example, the deposit limit of "1"
"00 coins" can be changed by changing the maximum number of coins set in the system setting 4 in Fig. 1. "Available" for handling coins is checked whether or not coins can be handled by the coin processing unit 12 in Fig. 1. It corresponds to the result (it is possible here).

[0072]

As described above, according to the present invention,
When the customer's transaction starts, the transaction guide (handleable amount, denomination, coin handling, card / passbook simultaneous entry, etc.) is displayed, and the customer operates the transaction by referring to it. It is possible to prevent refusal and transaction cancellation to improve the operability and convenience of the customer and improve the operation efficiency of the automated teller machine 1. As a result, (1) When a customer starts a transaction without confirming the transaction content and operation mode, it is possible to eliminate the situation where the transaction was rejected or canceled at a stage when the customer's operation was considerably advanced. it can. For example, if a customer starts a payment transaction without knowing that the coin is running out and wishes to pay the coin, it takes about 9 seconds before the transaction is rejected in the amount confirmation cycle, which is a waste of time. Can be eliminated by the present invention.

(2) Transfer transaction (card + passbook)
However, it takes about 77 seconds to check the transfer limit amount, so if the transfer limit amount is exceeded and the transaction is rejected at this point, a considerable amount of these times will be wasted. However, the present invention can solve a considerable portion of the problem that the operational efficiency is lowered and the convenience of the customer operation is lowered.

(3) Therefore, according to the present invention, since the customer displays the transaction guide necessary for the selected transaction at the start of the transaction as described above, all the contents can be confirmed in advance by looking at it.
Transaction refusal and transaction cancellation can be prevented in advance, the operability and convenience of the customer can be improved, and the operation efficiency of the automatic teller machine can be improved.

[Brief description of drawings]

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

FIG. 2 is a flow chart of a payment transaction of the present invention.

FIG. 3 is an example of a display screen when waiting for a customer according to the present invention.

FIG. 4 is a display screen example of transaction content guidance at the time of payment transaction of the present invention.

FIG. 5 is a flow chart of a transfer transaction (card + passbook) of the present invention.

FIG. 6 is a display screen example of transaction content guidance at the time of transfer transaction of the present invention.

FIG. 7 is a flow chart of a deposit transaction (passbook deposit) of the present invention.

FIG. 8 is a display screen example of transaction content guidance at the time of deposit transaction of the present invention.

FIG. 9 is a flow chart of a conventional payment transaction.

[Explanation of symbols]

 1: Automated teller machine 2: Transaction processing 3: Transaction guide display processing 4: System setting 5: Transaction mode 6: Unit status monitoring processing 7: Transfer destination branch name file 8: Display / input unit 9: Card / receipt processing unit 10: Passbook processing unit 11: Banknote processing unit 12: Coin processing unit 13: Clock 14: Control unit 15: Center calculator

Claims (4)

[Claims] 1. A transaction guidance display process (3) for displaying transaction guidance relating to a selected transaction, the automatic teller machine (1).
In response to the transaction being selected from the transaction type displayed on the screen, the transaction guidance display processing (3) above displays the transaction guidance necessary for the selected transaction, and then the transaction start is instructed. In response to this, an automated teller machine which is configured to read data from an inserted card or a passbook and perform transaction processing. [Claim 2] In response to the selection of a payment transaction, the transaction guide display processing (3) displays a payment transaction guide such as a payment limit amount, a usage fee, whether coins can be handled, and the type of denomination handled. The display is configured to be displayed.
The automated teller machine described. 3. In response to the selection of a transfer transaction, the transaction guide display processing (3) includes a transfer limit amount, a transfer method (telegram handling / document handling), other bank transfer enabled / disabled, and coins. 2. The automatic teller machine according to claim 1, characterized in that it is configured so as to display a transfer transaction guide indicating whether or not handling is possible. 4. Corresponding to the selection of deposit transaction, the transaction guide display processing (3) includes handling deposits (normal / term / current), handling media (card / passbook), and coin handling / 2. The automatic teller machine according to claim 1, wherein the automatic teller machine is configured to display a guide for deposit transactions such as impossibility and the maximum number of deposits.