JPH07262437A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To make it possible to check the contents of an unregistered transaction even in the case of a transaction executed only by a card without using a bankbook. CONSTITUTION:When the contents of a transaction to be printed out on a bankbook 12a are stored in a host device 24 as unregistered data in a transaction executed only by a card 11a without using a bankbook 12a, whether the unregistered data are to be displayed on the display screen of a customer unit 15 or not is inquired of customer, and when the customer requests its display, the unregistered data are read out from the device 24 and displayed on the display screen or printed out on a receipt 11b.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention According to the present invention, by inputting information required for a transaction by a customer's operation and communicating with a host computer connected online via a communication line,
The present invention relates to an automatic transaction device that automatically performs deposit / withdrawal transactions.

[0002]

2. Description of the Related Art Conventionally, in an automatic transaction apparatus used in a financial institution such as a bank, transactions such as withdrawal or deposit can be performed using a cash card without using a passbook. When such a transaction is carried out, the transaction content is not entered in the passbook, so it is saved as unregistered data in a file of the host computer installed in the center. Then, when the next transaction using the passbook is made, the unrecorded data stored in the file until then is collectively sent from the center and printed on the passbook. Further, not only the transaction by the account holder but also the transfer or the automatic debit from this third party to this account are handled in the same manner as unregistered data.

[0003]

When a transaction such as card withdrawal that does not use the passbook is carried out, the customer can know the balance at that time, but the contents of the unregistered transaction before that can be confirmed. I can't know. Therefore, even if the customer's unintentional unregistered transaction causes the balance to be less than expected, the unregistered transaction content can be known until the next transaction using the passbook. Even if an erroneous transaction is made, it is expected that the account holder will not be able to know this and the situation will be inconvenient.

The present invention has been made in view of the above problems, and it is an object of the present invention to provide an automatic transaction apparatus capable of confirming the contents of an unregistered book transaction even in the case of a card-only transaction that does not use a passbook.

[0005]

According to one aspect of the present invention, means for communicating with a host device in response to input of transaction information by a customer, and unregistered data when the host device has unregistered data. Inquiry means for inquiring whether or not to output the book data, discrimination means for discriminating an instruction by the customer to output the non-book data, and reading the non-book data from the host device when the output instruction is discriminated. And an output means for outputting the output.

According to another aspect of the present invention, in parallel with the processing for outputting the unrecorded book data to the output means, there is further provided means for executing transaction settlement in response to input of transaction information by a customer. A characteristic automatic transaction device can be obtained.

According to another aspect of the present invention, means for detecting whether or not there is a response from the customer to the inquiry by the inquiry means within a predetermined time, and no response from the customer within the predetermined time. In this case, it is possible to obtain an automatic transaction apparatus characterized by further comprising a judging means for judging that the output of the unregistered book data is unnecessary.

According to another aspect of the present invention, means for communicating with the host device in response to the customer's input of transaction information, and display output of the unregistered data when the host device has the unregistered data. An inquiry means for inquiring whether or not to carry out, a judging means for judging an instruction to display and output the unrecorded book data by the customer, and a reading means for reading the unrecorded book data from the host device when the display output instruction is judged. An automatic transaction device having a display means for

[0009]

According to the present invention, for example, when a customer requests display of unregistered book data by a predetermined operation input during a transaction such as card payment using only a magnetic card, the host device is instructed. Requesting the unregistered book data, receiving this from the host device, displaying the contents on the screen of the display device, and the customer confirms the unregistered book transaction contents displayed on the display device. Further, during the processing of displaying the unrecorded book data on the display device in the payment transaction, in parallel with this processing, counting of cash paid out, taking-out operation and the like are executed.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. FIG. 2 shows the appearance of the automatic transaction device (ATM) according to this embodiment. In the figure, a substantially L-shaped customer service operating portion 2 is formed on the front surface of the housing 1. On the horizontal surface of the customer service operating section 2, a banknote slot 3 is provided, which can receive a large number of banknotes in a batch and receives the discharged banknotes in a batch. The banknote slot 3 has an openable door 4 Is provided.

A color CRT display device 5 having a transparent touch sensor panel on the display surface is provided on the horizontal surface of the customer service operating section 2. The CRT display device 5 displays operating procedures and other information on the screen by characters, wording, illustrations or image information to guide customers and
By touching a portion of the touch sensor panel corresponding to the display of numbers, katakana, alphabets, confirmation and cancellation characters with a finger, desired information can be input.

On the other hand, on the vertical surface of the customer service operating section 2, a card slot 6 for accepting a magnetic card as a transaction medium in which a personal identification number, an account number, etc. are recorded and ejecting a printed receipt (detailed voucher), Similarly, a passbook slot 7 for accepting a magnetic passbook as a transaction medium, a coin slot 8 for receiving a large number of coins in a batch, a coin receiving slot 9 for collectively receiving ejected coins, an attendant key 10 operated by an attendant, etc. Is provided.

FIG. 1 shows a block configuration of the above-mentioned automatic transaction apparatus, which includes a card reader / receipt printer unit 11, a passbook printer unit 12, a banknote deposit / withdrawal unit 13, a coin deposit / withdrawal unit 14, and a customer service unit 1.
5, voice guidance unit 16, internal monitor 17, storage unit 1
8, a floppy disk device 19, a transmission control unit 20, a main control unit 21, a power supply unit 22, and the like.

The card reader / receipt printer unit 11 reads / writes data from / to the magnetic stripe of the magnetic card 11a received from the card slot 6. Further, a receipt in which the transaction details are printed, or a receipt 11b in which online information is printed as will be described later, is issued and ejected from the card slot 6.

The passbook printer unit 12 reads or writes data from or to the magnetic stripe of the passbook 12a received from the passbook opening 7 and, if necessary, prints on the passbook 12a. Further, if necessary, the form loaded inside is fed out and unrecorded book data and the like are printed on it.

The banknote deposit / withdrawal unit 13 discriminates and counts banknotes 13a that are collectively inserted into the banknote slot 3, and stores the banknotes 13a, and if necessary, withdraws a predetermined number of banknotes 13b stored in a safe. And then collectively dispense from the bill slot 3.

The coin depositing / dispensing unit 14 includes a coin slot 8
The coins 14a that have been collectively inserted into the coin are discriminated, counted, and stored, and if necessary, a predetermined number of coins 14b that have been stored in the safe in advance are taken out and collectively paid out from the coin receiving port 9.

The customer service unit 15 includes the CRT display device 5 and the like. The voice guidance unit 16
Guidance to guide the customer's operation by voice. The internal monitor 17 notifies the staff involved in the operation of the apparatus of the state of the apparatus, and inputs the operation instruction by the staff.

The storage unit 18 stores online information (transmission information, reception information) at the time of online communication. The floppy disk device 19 stores a program of processing procedures related to the operation of this device, records various kinds of information used for transactions, records transactions, records operating conditions of this device, and special information set uniquely to this device. Is stored.

The transmission control unit 20 is connected online with a host computer (host device) 24 in the center via a communication line 23, and communicates with the host computer 24 online as required.

The main control unit 21 is a central processing unit (CPU)
, And controls the units 11 to 16, the internal monitor 17, the storage unit 18, and the transmission control unit 20 while referring to the program information in the floppy disk device 19 to perform a predetermined transaction operation. .

A remote monitor 25 can be connected to the main control section 21 as needed to monitor from a distance.
The remote monitor 25 is controlled by the main control unit 21 and displays substantially the same information as the internal monitor 17, and when an abnormality occurs in this device, it also informs by using a sounding means such as a buzzer.

The operation of the ATM will be described with reference to the flow chart shown in FIG. When the ATM is in a transaction waiting state, so-called idle, a screen for selecting transaction contents is displayed on the CRT display device 5, and when there are no customers, the screen is erased and the transaction is awaited. The transaction processing is started by pressing the transaction type button by the customer, inserting a transaction card / passbook, or detecting the customer by the customer sensor. The screen at this time is the "Welcome" screen.

On the screen for selecting the transaction type, the customer selects "withdrawal" or "payment" based on the type of transaction displayed on the screen.
Select transaction details such as “transfer” and “bookkeeping” (ST
1). At this time, voice guidance is also provided.

The transaction when "withdrawal" using only a card is selected is shown below. First, the "Please insert card" screen is displayed, and the customer inserts the cash card 11a into the card slot 6 according to the contents of this screen or voice guidance (ST2). Then "Please insert your passbook"
Screen is displayed, and if you have a passbook, passbook 12a
, But you do not use a passbook here, so press the "No passbook" button.

After that, the password input screen is displayed,
The customer inputs the personal identification number by the ten keys (numerical keys) displayed on the screen according to the contents of the screen or the voice guidance (ST3), and when the screen for inputting the amount of money is displayed, the customer uses the ten keys and "10,000", After inputting the amount of money using the "thousands" and "yen" keys and confirming the payment amount displayed on the screen, the confirmation key is pressed (ST4).

When the confirmation key is pressed, the main controller 21
Performs online communication with the host computer 24 via the transmission control unit 20, and the host computer 24 confirms the balance and transaction amount of the corresponding account (S).
T5). At this time, the CRT display device 5 displays a "please wait" screen.

When the transaction message of payment permission is received from the host computer 24 by online communication, the main control section 21 drives the bill deposit / withdrawal unit 13 (driving the coin deposit / withdrawal unit 14 if necessary), Bill counting
Start taking out. In parallel with the operation of preparation for withdrawal such as counting of banknotes, if there is unregistered data related to unregistered transaction in the relevant account (ST6), "There is a transaction that has not been entered in the passbook. "?" Screen (FIG. 4) is displayed (ST7). Then, the customer presses the "display" or "not display" key 5 displayed on the screen of the CRT display device 5 in FIG.
Whether to display or not can be selected by a and 5b. At this time, if there is no input on any of the keys 5a and 5b for a predetermined time, it is assumed that "not displayed" is selected and the process proceeds, and the process proceeds to the withdrawal process of ST12.

When the customer presses the "display" key (ST8), the ATM is notified by the host computer 24
5 to notify the host computer 24 to transmit the unregistered transaction data, which is received (ST9), and FIG.
Is displayed on the screen of the CRT display device 5 (ST1
0). After the customer confirms this display content, if there is more unregistered book data, pressing the "next screen" key 5c opens the next screen and displays the succeeding unregistered book data (ST11). The customer presses the "display end" key 5d (O
If K is input), the display process of the unrecorded book data ends.

When the display confirmation processing of the unregistered book data by the customer is completed, the operation of the substantially dispensing preparation is also completed and the required number of banknotes 13b are conveyed to the banknote slot 3. And
If the withdrawal preparation operation is being performed when the "display end" key 5d is pressed, the display processing is ended upon completion of the withdrawal preparation. In parallel with these unrecorded transaction display operations, the transaction contents are printed on the receipt 11b by the card reader / receipt printer unit 11.

When the operation of displaying the unregistered book transaction is completed, the withdrawal process is performed (ST12), and the banknote 13b (coin 14) conveyed to the banknote port 3 (coin receiving port 9) by the above withdrawal preparation.
Pay b) to the customer. At this time, the receipt 11b on which the transaction contents are printed is inserted into the card slot 6 by the cash card 1
It is discharged together with 1a.

In the above embodiment, the unrecorded book data is displayed on the CRT display device 5, but the unrecorded book data can be printed on the form. In this case, for example, in the step after the step (ST11) in the flowchart of FIG. 3, a message "There is a transaction for which the bankbook has not been entered. Are you sure you want to print the contents?" Is displayed and the customer "prints". When is selected, the passbook printer unit 12 draws out the form loaded inside and prints the unregistered book data on it. Then, at the end of the transaction, not only the transaction contents and the balance of this time are printed, but also the form in which the contents of the unregistered transaction are printed is released. At this time, the form may be plural sheets, and the form may be discharged together with the bill 13b.
Can also be released from.

In the above embodiment, the automatic transaction device capable of handling both the card 11a and the passbook 12a has been described, but an automatic transaction device (CD) capable of handling only cards, or transfer without directly handling cash. It is of course possible to apply the present invention to an automatic transaction device that transfers money.

Therefore, according to the present embodiment, the contents of the unregistered transaction, which was conventionally unknown unless the transaction using the bookkeeping is performed, is displayed on the screen of the CRT display device 5 at the time of the card transaction or the passbook printer. Since printing is performed on the form using the unit 12, the customer can check the unregistered book data. For this reason, for example, the balance is insufficient as expected due to unregistered unregistered transaction by the customer. Even in such a case, it is possible to quickly know the transaction contents of the unregistered book and improve the service to the customer.

Further, when the customer does not need to display the unregistered transaction, the display processing is automatically skipped after a predetermined time elapses without making a selection to that effect. Free yourself from the necessary input. Since this predetermined time is originally within the waiting time for transaction (withdrawal) processing, the processing time does not become long.

Further, normally, in the process of counting and taking out bills, it takes some time to convey the bills to the bill slot, and the customer is made to wait during this time, but in this embodiment, in parallel with that time. Since the contents of the unregistered transaction are displayed, it is effective to prevent the customer from making unnecessary waiting time and to make the waiting time unconscious.

[0037]

As described above, according to the present invention,
For example, when a customer conducts a transaction using only a magnetic card, he requests the host device for the unregistered book data and displays it on the screen of the display device. You can know and improve the service to customers.

In addition, since the cash payment and counting operation are performed in parallel with the processing of displaying the unrecorded book data on the display device, the customer is not forced to wait for an unnecessary time, and It is effective because it can be made unconscious.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an automatic transaction device according to an embodiment of the present invention.

FIG. 2 is a perspective view showing an appearance of an automatic transaction device.

FIG. 3 is a flowchart showing an operation of payment transaction according to the embodiment.

FIG. 4 is a diagram showing a selection screen for displaying unrecorded transactions.

FIG. 5 is a diagram showing an unregistered book transaction display screen.

[Explanation of symbols]

2 ... Customer operation section, 3 ... banknote port, 5 ... CRT display device, 6
... card slot, 7 ... passbook slot, 10 ... clerk key, 11 ... card reader / receipt printer unit, 12 ... passbook printer unit, 13 ... banknote deposit / withdrawal unit, 15 ... customer service unit, 18 ... storage unit, 20 ... transmission control 21 ... Main control section, 23 ... Communication line, 24 ... Host computer (host device).

Claims (4)

[Claims] 1. A means for communicating with a host device in response to input of transaction information by a customer, and an inquiry means for inquiring whether or not to output this unregistered book data when the host device has unregistered book data. A determination unit that determines an instruction to output unrecorded book data from a customer; and an output unit that reads out the unrecorded book data from the host device and outputs the determination result when the output instruction is determined. Automatic transaction equipment to do. 2. The method according to claim 1, further comprising means for executing transaction settlement in response to input of transaction information by a customer, in parallel with the processing of outputting the unrecorded book data to the output means. Automatic transaction equipment. 3. A means for detecting whether or not there is a response from the customer to the inquiry by the inquiry means within a predetermined time, and the output of the unregistered data when the customer does not respond within the predetermined time. The automatic transaction apparatus according to claim 2, further comprising: a determining unit that determines that the transaction is unnecessary. 4. Means for communicating with a host device in response to input of transaction information by a customer, and inquiring means for inquiring whether or not to display and output the unregistered data when the host device has the unregistered data. And a display means for reading out the unrecorded book data from the host device and displaying it when the display output instruction is judged. An automatic transaction device characterized by.