JPH07105293A - Transaction processing method - Google Patents

Abstract

PURPOSE:To make the user of a transaction device input transaction data in a wait time through a portable device, to shorten the time used for the input on the transaction device, and to shorten the wait time of the user which waits to use the transaction device. CONSTITUTION:The user has the portable device 4 where data to be inputted to the transaction device which change at least by transactions can be inputted previously and connects or inserts the portable device 4 to or into the transaction device, and the data which are inputted to the portable device 4 previously are passed to the transaction device; and the transaction device decides the received data and operates to request further data input at need. Consequently, the wait time of the user is shortened.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction method and apparatus using a transaction device having a portable device capable of previously inputting data to be input to a transaction device.

[0002]

2. Description of the Related Art In recent years, in financial institutions such as banks,
An automatic cash handling device (hereinafter referred to as ATM) is installed to automatically carry out transactions such as deposit withdrawal, deposit deposit, bookkeeping, and transfer required by users.

In the conventional automatic transaction by ATM, as described in Japanese Patent Laid-Open No. 59-149583, for example, all transaction operations are performed by the same ATM. The increase in the number of transactions and the increase in the number of transactions often make users wait a lot, which causes annoyance such as frustration of users.

Regarding the transaction time, the time required for inputting transaction data, the operation time of the mechanism such as ATM's currency payout and passbook entry after that, and the change time at the place of the next person after the end are set. is there. Of these, the time it takes to enter transaction data is the data that the user needs to enter, and there are many input items such as transfer, and there are differences in the speed of input by people, Input was very time consuming. Also, after the payday, there are many users, and inevitably the waiting line becomes long,
The waiting time was long. It also caused the frustration of those who were waiting behind.

As a plan to cope with such a situation, AT
There is a plan to increase the number of M installed, but because it will take up more installation place in the financial institution, it was decided to consider the land price and also the price of the machine to be added. .

On the other hand, as in Japanese Patent Laid-Open No. 3-246672, it is almost the same as ATM,
A device that only inputs transaction details and a method of using the device are considered.

However, this apparatus and method are still expensive even if the apparatus can be manufactured at about half the price of conventional ATM. Also, the ATM also changes to input the number tag, and the data input by the transaction content input device is stored in the terminal control device, and the data is called by the ATM to It was necessary to make changes such as inputting. In addition, a sensor detects whether or not the transaction content input device is used.

Further, at present, in Japanese Patent Laid-Open No. 3-246672.
Users are not lined up for each ATM like the example in the bulletin, but as shown in Fig. 1, the waiting line of users is divided into one line, and even among those waiting, People who came early and waited are now using ATMs. In such a case, even if a transaction content input device is provided in a place different from the ATMs waiting in line, as in the example of the above publication, people already in line have a line up in one line. It was impossible to go to, and it was necessary to consider this point. That is, at this time, it was necessary to control such that it was necessary to wait to use the transaction content input device until the person who had been lined up at the time was wiped out.

Further, the method disclosed in the above publication is psychologically resistant to the fact that there are two ways to arrange ATMs, not two ways.

[0010]

SUMMARY OF THE INVENTION An object of the present invention is to have a user input transaction data with a portable device during a waiting time of the user at the transaction device, and when the user's turn comes, the portable device is switched on. The transaction device is used by connecting to the transaction device, inputting the data in the portable device to the transaction device, and further operating the transaction device if necessary, that is, trading during the waiting time. By having data input,
It is intended to reduce the time required for inputting on the transaction device and the waiting time for the user who is waiting to use the transaction device next time.

[0011] Further, it is to increase the operating rate of the transaction device.

Another object of the present invention is to provide an inexpensive transaction device system in consideration of the expansion of transaction devices and the price of transaction content input device. Regarding that point, especially ATM
With regard to the technology already known in, there is no need to install or change the terminal control device from the point of changing ATM and making portable device, and complicated control such as control when changing the form of transaction. It is an object of the present invention to provide a device with limited modifications, which is not necessary.
This is true for any transaction device.

In addition, there are no two ways of waiting depending on the waiting situation of the user, and there is only one way of waiting for the use of ATM, and it is intended to provide a system without psychological resistance. is there.

[0014]

The object is to have a portable device capable of previously inputting at least data that changes for each transaction to be input to a transaction device, and to connect or insert the portable device to the transaction device. This is accomplished by passing the data previously entered into the portable device to the transaction device, the transaction device determining the data received and, if necessary, acting to request further data entry.

The object is to have a portable device capable of previously inputting at least data that changes for each transaction to be input to the automatic cash handling device, and connecting or inserting the portable device to the automatic cash handling device, Achieved by passing data previously entered into the portable device to the automated teller machine, the automated teller machine determines the data received and, if necessary, moves to request further data entry. .

[0016] The object is to have a portable device which can be pre-populated with data to be entered into the vending machine,
The portable device is connected to or inserted into the vending device, the data previously entered into the portable device is passed to the vending device, the vending device determines the data received and, if necessary, further data This is accomplished by moving to require input.

The above-mentioned object has a portable device capable of inputting data to be input to a ticket issuing device in advance, and connecting or inserting the portable device to the ticket issuing device, and inputting data to the portable device in advance. To the ticket-issuing device, and the ticket-issuing is accomplished by determining the data received and, if necessary, acting to request further data entry.

[0018]

According to claim 1, the transaction data is input by the portable device during the waiting time of the user at the transaction device, and when the user's turn comes, the portable device is changed to the transaction device. The transaction device is used by inserting or connecting, inputting data in the portable device to the transaction device, and further operating the transaction device if necessary.

According to claim 2, the transaction data is input by the portable device during the waiting time of the user at the ATM, and when the user's turn comes, the portable device is inserted into the ATM or After connecting, the data in the portable device is input to the ATM, and if necessary, the ATM is further operated to use the ATM.

According to claim 3, the transaction data is input by the portable device during the waiting time of the user at the automatic vending device, and when the user's turn comes, the portable device is automatically sold. By inserting or connecting to the device, the data in the portable device is input to the vending device, and if necessary, the vending device is used by further operating the vending device.

According to claim 4, the transaction data is input by the portable device during the waiting time at the ticket issuing device, and when it is the user's turn, the portable device is inserted or connected to the ticket issuing device. Then, the data in the portable device is input to the ticket issuing device, and if necessary, the ticket issuing device is further operated to use the ticket issuing device.

If necessary, the person who further operates the apparatus may be the same person as the user who has entered the transaction data into the portable device, or a different person.

[0023]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a shop layout diagram having an ATM according to the present invention. 1 is a host computer, 2 is an automatic machine corner, 3a, 3b, 3c, 3d, 3e are ATMs.
(Hereinafter, ATMs 3a, 3b, 3c, 3d and 3e are ATMs.
3 is designated as 3), 4 is a portable device storage space, and 5 is a space provided in a line so that a user who comes early can use the ATM quickly.

FIG. 2 is an external view of the ATM 3 according to the present invention. 31 is a card insertion slot, 32 is a passbook, a statement slot, 3
3 is a display with a touch sensor, 34 is a money deposit / withdrawal port, and 35 is a portable device connection port. Hereinafter, the card is a magnetic card, but will be referred to as a card only.

FIG. 3 is an external view of the portable device 6 according to the present invention. 61 is a display, 62 is a key, and 63 is a card reading port.

FIG. 4 is a shop layout diagram having an ATM according to the present invention, showing a situation when there are not many users.

FIG. 5 is a flow chart of processing in the ATM 3 according to the present invention.

FIG. 6 is a flowchart of the processing in the portable device 6 according to the present invention.

The process will be described below with reference to FIG.

The ATM 3 can carry out transactions such as withdrawal without passbook, withdrawal with passbook, bookkeeping, transfer and deposit.

Now, the processing in the case where the portable device 6 is not used will be described.

At the ATM 3, it is judged whether or not there is a portable device (S 1), and since there is no portable device, the process proceeds to S 3 and the input on the display 33 with a touch sensor on the ATM 3 is performed.
The transaction is judged (S3), and if there is no passbook withdrawal, proceed to S4, if there is a passbook withdrawal, proceed to S14, if entry is S25, if transfer, proceed to S29, and if deposit, proceed to S36.

In S4, it is determined whether or not the transaction is using the portable device (S4). Since the transaction is not using the portable device now, the process proceeds to S5, and a message of a card insertion request is displayed on the touch sensor display. Then, the user inserts the card, which has been taken out of his or her card slot, into the card insertion slot 31 (S5). Then, a password input request message is sent to the display with a touch sensor 33, whereby the user inputs a password to the display with a touch sensor 33 (S6). Subsequently, a message for requesting the input of the amount data is sent to the display with a touch sensor 33, whereby the user inputs the amount data to the display with a touch sensor 33 (S7). Subsequently, the ATM 3 inquires of the input data to the host computer and receives the result (S8), and prints the statement (S
9), it is determined whether or not the transaction uses the portable device (S10), and since the transaction does not use the portable device now, S
11, the card is ejected from the card insertion slot 31 (S11), the statement is passed through the account, the statement entry slot 32 is ejected (S12), and the currency is ejected from the coin deposit / withdrawal slot 34 (S1).
3), the process ends.

In S14, a message requesting the insertion of a passbook is sent to the display 33 with a touch sensor, whereby the user inserts the passbook into the account slot 32 (S14). Then, it is determined whether or not the transaction is using the portable device (S15). Since the transaction is not using the portable device now, the process proceeds to S16, and a message for requesting insertion of a card is sent to the display 33 with a touch sensor. As a result, the user inserts the card, which has been taken out of his or her card slot, into the card insertion slot 31 (S16).
Subsequently, a password input request message is sent to the display with a touch sensor 33, whereby the user inputs a password to the display with a touch sensor 33 (S17). Then, a message for requesting the input of the amount data is sent to the display with a touch sensor 33, whereby the user inputs the amount data to the display with a touch sensor 33 (S18). Subsequently, the ATM 3 inquires of the input data to the host computer and receives the result (S19), and keeps a book (S2).
0), it is determined whether or not the transaction uses the portable device (S21), and since the transaction does not use the portable device now, S
22, the card is ejected from the card insertion slot 31 (S22), and the passbook is passed through the statement slot 32 (S).
23), and eject money from the money deposit / withdrawal port 34 (S2
4), the process ends.

In S25, a message requesting the insertion of the passbook is sent to the display 33 with the touch sensor, whereby the user inserts the passbook into the account slot 32 (S25). Subsequently, the ATM 3 inquires of the host computer about the inputted data based on the passbook, receives the result (S26), records the passbook (S27), passes the passbook, and discharges it from the statement slot 32 (S28), and ends the processing. To do.

In S29, it is determined whether or not the transaction is using the portable device (S29). Since the transaction is not using the portable device now, the process proceeds to S30, and the input request of the transfer destination data is displayed on the touch sensor display. 33, so that the user inputs the transfer destination data to the touch sensor-equipped display 33 (S30). continue,
A message for requesting the input of the amount data is sent to the display with a touch sensor 33, whereby the user inputs the amount data to the display with a touch sensor 33 (S31). Then, a message for requesting input of money is sent to the display with a touch sensor 33, whereby the user inputs money from the money deposit / withdrawal port 34 (S
32), the ATM 3 inquires of the input data to the host computer and receives the result (S33), prints the statement (S34), passes the statement, and discharges the statement from the statement slot 32 (S35), and executes the processing. finish.

In S36, a message requesting the insertion of the passbook is sent to the display 33 with the touch sensor, whereby the user inserts the passbook into the account slot 32 (S36). Then, a message for requesting input of money is sent to the display 33 with a touch sensor, whereby the user inputs money from the money deposit / withdrawal port 34 (S3).
7), the ATM 3 inquires of the input data to the host computer, receives the result (S38), and keeps a book (S3).
9), passbook, passbook, and release from statement slot 32 (S4
0), the process ends.

In this way, the user needs a card,
Receive money, passbook and statement.

By doing this, as shown in FIG.
When there are not many users of M3, they can go to the vacant ATM3 and use the ATM3.

Next, processing in the case where the portable device is used will be described with reference to FIGS. 6 and 5.

Transactions that can be entered on the portable device 6 are withdrawal without passbook, withdrawal with passbook, and transfer. The transaction data is entered in advance using the portable device, and the portable device is connected to the ATM 3 to transfer data. Is passed. Since the bookkeeping and the depositing are done only at the ATM, the portable device is not used. Messages at the portable device storage 4, namely, withdrawal without passbook, withdrawal with passbook,
In the case of transfer transactions, the transaction data can be input with this portable device 6 and the data can be passed to the ATM as it is, and there are many users, and the cooperation of the users is requested to shorten the waiting time. The message of is raised.

As shown in FIG. 4, when the number of users of ATM3 is small and the number of users is gradually increasing, as shown in FIG.
When the TM3s are lined up along the sill 5 provided for lining up so that they can be used, waiting, and when they come near the portable device storage area 4, the message displayed at the portable device storage area 4, namely, In the case of transactions such as withdrawal without passbook, withdrawal with passbook, and transfer, it is possible to input transaction data with this portable device 6 and pass the data to the ATM as it is, and there are many users, and the waiting time is shortened. Therefore, the user sees the message requesting cooperation from the user, takes the portable device 6, and inputs transaction data. here,
When the portable device 6 is not taken, the processing is performed in the case where the portable device is not used.

Now, the user looks at the display 61 on the portable device 6 and specifies the transaction by the key 62. The portable device 6 determines the transaction (S60), the process proceeds to S61 if there is no passbook withdrawal, and S64 if there is a passbook withdrawal.
If it is a transfer, it will proceed to S67.

In S61, a card read request message is sent to the display 61, whereby the user reads the card taken out from his / her card slot from the card reading port 63 (S61) and finishes reading the card. Put in the card. Then, a message requesting the password input is displayed on the display 61,
Thereby, the user inputs the password by pressing the key 62.
(S62). Then, a message requesting the input of the amount data is displayed on the display 61, whereby the user inputs the amount data using the key 62 (S63), and the process is terminated. In this state, the user holds the portable device 6 in a queue.

In S64, a message for requesting to read the card is sent to the display 61, whereby the user reads the card taken out from his / her own card slot from the card reading port 63 (S64) and finishes reading the card. Put in the card. Then, a message requesting the password input is displayed on the display 61,
Thereby, the user inputs the password by pressing the key 62.
(S65). Then, a message for requesting the input of the amount data is displayed on the display 61, whereby the user inputs the amount data using the key 62 (S66), and the process ends. In this state, the user holds the portable device 6 in a queue.

In S67, the transfer destination data is requested to be input to the display 61, whereby the user inputs the transfer destination data using the key 62 (S6).
7). Then, a message for requesting the input of the amount data is displayed on the display 61, whereby the user inputs the amount data using the key 62 (S68), and the process is completed. In this state, the user holds the portable device 6 in a queue.

In this state, when the user's turn comes, A
Go to TM3 and connect the portable device 6 to the portable device connection port 35 of the ATM3.

As a result, the ATM 3 judges whether or not there is a portable device (S1), and since it exists, the process proceeds to S2, the data of the portable device is received (S2), and the transaction in the data is performed. Judge (S3), if there is no passbook withdrawal, S4
If there is a bankbook withdrawal, proceed to S14; if transfer, proceed to S29.

At S4, it is judged whether or not the transaction is using the portable device (S4). Since the transaction is currently using the portable device, the process proceeds to S8, and the ATM 3 receives the input data from the host computer. And receive the result (S
8) The statement is printed (S9), and it is determined whether or not the transaction is using the portable device (S10). Since it is the transaction using the portable device, the process proceeds to S12 and the statement is written. The money is discharged from the passbook and the statement slot 32 (S12), the money is discharged from the money deposit / withdrawal slot 34 (S13), and the process ends.

In S14, a message requesting insertion of a passbook is sent to the display 33 with a touch sensor, whereby the user inserts the passbook into the account slot 32 (S14). Subsequently, it is determined whether or not the transaction is using the portable device (S15). Since the transaction is currently using the portable device, the process proceeds to S19, and the ATM 3 inquires of the input data to the host computer. Receive the result (S
19), the bookkeeping is performed (S20), and it is determined whether or not the transaction is using the portable device (S21). Since it is the transaction using the portable device now, the process proceeds to S23, the passbook, the statement. The money is ejected from the writing slot 32 (S23), the money is ejected from the money deposit / withdrawal slot 34 (S24), and the process is ended.

In S29, it is determined whether or not the transaction is using the portable device (S29). Since the transaction is currently using the portable device, the process proceeds to S32, and a message for inputting currency is displayed by the touch sensor. On the attached display 33,
Thereby, the user inputs money from the money deposit / withdrawal port 34 (S32), the ATM 3 inquires of the input data to the host computer and receives the result (S33), prints the statement (S34), and details. The document is passed through the booklet and discharged from the statement opening 32 (S35), and the process ends.

After that, when leaving the ATM 3, the user takes the portable device 6 he / she used and returns it to the portable device storage 4. The returned portable device 6 is used by another user for input.

In this way, the user is asked to input transaction data with the portable device 6 during the waiting time of the ATM 3,
When the user turns to use the ATM3, the portable device 6 is connected to the ATM3 and the data in the portable device 6 is transferred to the ATM.
3 and use ATM3 in the form of further operating ATM3 if necessary, that is, by having the user input transaction data during the waiting time,
Actually, the input time of the ATM 3 is short, the person is well-worn, and the waiting time is short. In addition, since there is a case of inputting during the waiting time, there is an effect that the waiting time does not feel long unlike waiting without doing anything.

According to the present invention, the transaction data is input by the portable device during the waiting time of the user at the ATM, and when it is the user's turn, the portable device is connected to the ATM for portable use. By using the ATM by inputting the data in the device to the ATM and further operating the ATM if necessary, that is, by having the transaction data input during the waiting time, It is possible to reduce the time taken by inputting at and reduce the waiting time for users who are waiting to use ATM next time.

Further, the operating rate of the ATM is increased accordingly.

Further, it is possible to provide an inexpensive ATM system in consideration of the addition of ATM and the price of the transaction content input device. In addition, regarding the point, especially regarding the technology already known in ATM, from the point of changing ATM and making a portable device, there is no need to install or change the terminal control device, and the form of transaction. It is possible to provide a device with limited changes, which does not require complicated control such as control when changing.

Further, there are no two ways of waiting in line depending on the waiting situation of the user, and there is only one way of waiting for the use of ATM, and a system without psychological resistance can be provided. In addition, JP-A-3-2
In the embodiment of Japanese Patent No. 46672, in the case of the transaction form using the transaction content input device, the person waiting for whether it is his turn on the information board is waiting in a chaotic state,
In the present invention, the queue of the automated machine has become crowded and confused, and the queue has been kept orderly, so that the confusion can be avoided.

If this is done, there is a person who is currently using the ATM 3 and is having trouble inputting the data, and if it takes too long, there is a person who stops the input and re-arranges in a row. Ask a store clerk how to operate and occupy one of the portable devices 6, but during that time the ATM
Since 3 is used by another person, there is also an effect that it does not make other person wait.

The above embodiment is an example of operations such as withdrawal, deposit, and transfer, and there may be another input item for the listed functions. For example,
If you have transactions that do not require you to enter a card,
It may be one adapted to input a card.

In FIG. 1 of the above-described embodiment, the head of the person waiting for the ATM 3 is set to the left and the mouth of the person 5 is turned to the left, and there are about 6 persons waiting for using the portable device 6. if,
If there are more portable devices 6, or if there are more waiting persons, the head of the waiting person of the ATM 3 is cut off and the mouth of the 5 is turned to the right portable device storage 4 as shown in FIG. Therefore, more users may input transaction data first.

In the above embodiment, the shape of the portable device connection port 35 was not described, but if possible, a point contact type connection, which is currently used for charging a wireless telephone, is used, and each one is connected to the connector. It is better that you don't have to insert it. By doing so, it does not take time and effort to connect the portable device 6 to the portable device connection port 35, and the connection can be easily performed. Also, it is better to do so from the point of wear and damage of the connection port. Further, the portable device 6 may be a battery type or a rechargeable type. If rechargeable, the portable device bin 4 may be one that connects to a charger such as is currently used to charge wireless phones.

In the above embodiment, the portable device 6 is
The card was read along the card reading port 63, but as shown in FIG. 7, the card reading port 63 has a card insertion port 64 instead of the card reading port 63, and the card is inserted here It can be read. When using such a portable device 6, S10 and S in FIG.
In the case of 21, the transaction with the portable device 6 (case of Y) requires a message that the card is released from the portable device 6 and that the card released from the portable device 6 is not forgotten. Others are the same.

In the above embodiment, the portable device is made to read the magnetic card data. However, the card itself has the personal information of the magnetic card and the data input as shown in the flowchart of FIG. A device that can hold input data and can be connected to or inserted into the ATM 3, for example, a card-shaped device having a function of holding input data. Such a card-shaped device is also considered to be a portable device.

Although the above embodiment is an example of ATM, the same is conceivable in cases where a queue can be formed such as automatic sales of JR tickets and processing of JR long-distance ticket counters. .

[0066]

According to the present invention, the transaction data is input by the portable device during the waiting time of the user at the transaction device, and when it is the user's turn, the portable device is connected to the transaction device. Then, the data in the portable device is input to the transaction device, and if necessary, the transaction device is used by further operating the transaction device, that is, the transaction data is input during the waiting time. By doing so, it is possible to reduce the time required for inputting on the transaction device and the waiting time for the user who is waiting to use the transaction device next time.

Also, the operating rate of the transaction device is increased accordingly.

Further, it is possible to provide an inexpensive transaction device system in consideration of the addition of transaction devices and the price of the transaction content input device. Regarding that point, especially AT
Regarding the technology already known in M, there is no need to install or change the terminal control device in terms of changing the ATM and making the portable device, and it is complicated to control when changing the transaction form. Nothing is necessary,
It is possible to provide a device with limited changes. This is true for any transaction device.

Further, there are no two ways of waiting depending on the waiting situation of the user, and there is only one way of waiting for the use of ATM, and it is possible to provide a system without psychological resistance.

[Brief description of drawings]

FIG. 1 is a shop layout diagram having an ATM according to the present invention.

FIG. 2 is an external view of an ATM 3 according to the present invention.

FIG. 3 is an external view of a portable device 6 according to the present invention.

FIG. 4 is a shop layout diagram having an ATM according to the present invention, showing a situation when there are not many users.

FIG. 5 is a flowchart of a process in ATM3 according to the present invention.

FIG. 6 is a flowchart of a process in the portable device 6 according to the present invention.

FIG. 7 is an external view of another portable device 6 according to the present invention.

FIG. 8 is a shop layout diagram having an ATM according to the present invention, showing another waiting method.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Host computer, 2 ... Automatic machine corner, 3 ... ATM, 3a, 3b, 3c, 3d, 3e ... ATM, 4 ... Portable device storage, 5 ... Shikiri, 31 ... Card insertion slot, 32 ... Passbook, statement Mouth, 33 ... Display with touch sensor, 34 ... Money deposit / withdrawal port, 35 ... Portable device connection port, 61 ... Display, 62 ... Key, 63 ... Card reading port, 64 ... Card insertion port.

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G07F 5/22 Y 7/12 G07F 7/08 B

Claims (4)

[Claims] 1. A portable device capable of inputting at least data that changes for each transaction to a transaction device in advance. The portable device is connected to or inserted into the transaction device, and the portable device is previously connected to the transaction device. A transaction processing method, wherein the transaction data is passed to the transaction device, the transaction device determines the received data, and if necessary, further operates to request the input of data. 2. An automatic cash handling apparatus, comprising a portable device capable of previously inputting at least data that changes for each transaction, said portable device being connected to or inserted into said automatic cash handling device, and said in advance. A transaction processing method, wherein data input to a portable device is passed to the cash automatic handling device, the cash automatic handling device determines the received data, and if necessary, further operates to request data input. . 3. Data that has been previously input to the portable device, having a portable device capable of previously inputting data to be input to the vending device, connecting or inserting the portable device to the vending device. To the vending machine, the vending machine determines the data received,
A transaction processing method, characterized in that it operates so as to require further input of data, if necessary. 4. A portable device capable of previously inputting data to be input to a ticket issuing device, wherein the portable device is connected to or inserted into the ticket issuing device, and the data previously input to the portable device is stored in the portable device. A transaction processing method, characterized in that the transaction device is operated so as to pass the data to a ticket issuing device, judge the received data, and request further data input if necessary.