JPH07272057A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To provide the automatic transaction device which can perform transfer operation speedily through easy operation by shortening a transaction time per customer which is long owing to a calculating process for a handling charge in a transfer transaction. CONSTITUTION:The automatic transaction device performs the transfer process automatically by selecting the transfer transaction on a customer operation part 2 by customer operation and inputting the amount of money to be transferred together with specific transfer information; and the control part 1 of the automatic transaction device is provided with an electronic calculator function display means 15 which displays an electronic calculator function at the display part provided to the customer operation part 2 and a transfer amount recognizing means 16 which uses a calculation result, calculated by using the electronic calculator function displayed at the display part by the electronic calculator display means 15, as the amount of money to be transferred as it is. Consequently, the transaction handling charge is calculated by using the same screen with the operation for the transfer transaction during the operation and this calculation result is used as the amount of money to be transferred as it is.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution such as a bank and capable of performing cash transaction processing such as deposit / withdrawal and transfer by the customer's own operation, especially during transfer transaction. The present invention relates to an automatic transaction device capable of calculating a transfer transaction amount in.

[0002]

2. Description of the Related Art FIG. 4 is a block diagram showing a configuration example of a conventional automatic transaction apparatus. In the figure, reference numeral 1 denotes a control unit inside the device, which controls each part described later and transmits / receives data to / from a host device such as a host computer of a financial institution. Reference numeral 2 is a customer operation unit including a CRT screen, a keyboard, a touch key, and the like, which are provided with display means, information, and input means necessary for the customer to make a transaction.

Reference numeral 3 is a voice guiding unit for guiding a customer to a transaction operation and providing various information by voice. 4 reads the magnetic data recorded on the magnetic stripe of the cash card inserted in the automatic transaction device by the customer, transmits the read contents to the control unit 1, and the instruction of the control unit 1 causes the card A card reading / writing unit that updates magnetic data.

Reference numeral 5 denotes a statement slip printing unit for printing the details of transactions made by the customer on a sheet for statement slips and issuing it to the customer. Reference numeral 6 denotes a journal printing unit that prints a journal required for the financial institution side to record and store the transaction contents on a sheet similarly to the statement slip printing unit 5. Reference numeral 7 denotes the card reading / writing unit 4 which stores the magnetic data of the magnetic stripe provided on the front cover or back cover of the passbook at the time of transaction performed using the passbook.
This is a passbook reading / printing unit that performs processing such as reading, transmitting, and updating in the same manner as described above, and records the current or past transaction contents according to an instruction from the control unit 1.

Reference numeral 8 denotes a banknote depositing / dispensing unit, 9 denotes a coin depositing / dispensing unit, both of which are provided with a storage unit for bills or coins, and count and store the cash inserted by the customer during a cash deposit (deposit) transaction Stored in the unit, inform the control unit 1 of the counting result,
At the time of a withdrawal (payment) transaction, an amount instructed by the control unit 1 is withdrawn from the storage unit based on a customer operation, and the customer is paid.

Reference numeral 10 denotes a staff operation unit, which is used by a staff member or maintenance staff of a financial institution to check the condition of the device, restore the device, or conduct transaction contents for a certain period when the automatic transaction device is maintained or fails. It is provided with an operating means for obtaining information such as an LCD and a key switch, and a display means in case of scrutinizing. 11 is a hard disk drive, 12
Is a floppy disk drive unit, which reads out a software program for operating the device, transaction contents during operation and various information data at the time of failure from the hard disk or the floppy disk as necessary. Or write.

Reference numeral 13 denotes a power supply unit, which converts the commercial power supply to supply the power necessary for the operation of the control unit 1 and the other components of the other components 2 to 11 described above to each unit. The function can be activated / deactivated at a preset time. With the automatic transaction device having the above-described configuration, the customer operation procedure when the customer conducts the transfer transaction by the cash card using his / her own account will be described based on the flowchart of the conventional transfer transaction operation procedure shown in FIG. To do. As shown in this figure, when performing a transfer transaction by a conventional device, it is always necessary to perform the operation shown in this flowchart.

First, the customer selects a transfer transaction key from the transaction item keys on the customer operation unit 2 and presses it (SA
1). By pressing this key, the control unit 1 causes the voice and C
The RT screen display prompts the customer to insert the cash card or passbook into the insertion slot, and the customer inserts the cash card into the insertion slot according to this operation guide (SA
2).

When the card is inserted, the control unit 1 further prompts the customer to enter the personal identification number by the key, so that the customer inputs the personal identification number by pressing the ten keys on the customer operation unit (SA).
3). Then, the input personal identification number is transmitted to the higher-level device together with the customer data which is inserted from the insertion slot and read from the magnetic stripe of the cash card, and is collated by the higher-level device. Move on to processing.

When the customer confirmation is made, the control unit 1 displays the transfer transaction operation screen on the CRT screen of the customer operation unit 2 and asks the customer whether there is a transfer transaction card (SA4). When the user has a transfer transaction card, the control unit 1 requests insertion of the transfer transaction card, and the customer inserts the transfer transaction card into the insertion slot (SA5). If the customer does not have a transfer transaction card, the control unit 1 prompts the customer to enter the transfer recipient's bank name, etc. on the CRT screen, and the customer follows the transfer recipient's bank name or Input the transfer transaction information such as the name of the other party (SA6).

After inputting all the transfer transaction information,
The control unit 1 displays a card registration key on the CRT screen to prompt the customer to register the transfer transaction card, and when the customer inputs a key according to this display, the control unit 1 displays the transfer transaction card according to the input information. Registration processing is performed (SA7). When the customer completes the transfer transaction card registration operation or inserts the transfer transaction card, the control unit 1 switches the CRT screen to a screen for inputting the transfer amount, so the customer inputs the transfer amount by pressing the ten-key ( SA8).

The control unit 1 displays the information by the previously inserted transfer transaction card or the transfer transaction information input by the key operation and the input transfer amount on the CRT screen,
The customer sees and confirms the contents displayed on this CRT screen,
If the transaction is completed, the confirmation key is pressed (SA9), and the transaction operation by the customer is completed. After that, the automatic transaction device performs the transfer transaction processing in accordance with the instruction from the control unit 1, prints the details of the transaction content on the statement sheet and issues it to the customer, and the previously inserted transfer transaction card and When the cash card is returned to the customer (SA7), the transfer transaction processing is completed.

[0013]

However, in the above-described conventional technique, the customer must calculate the amount of money to be actually transferred, that is, the amount of money to be transferred, in advance, before performing the transfer transaction processing. For example, when a plurality of items are purchased by mail order or the like, it is necessary to calculate the total amount of the charges, the shipping fee, the fee, etc. as the transfer amount. However, general customers, including customers who perform operations for the first time, often calculate these transfer amounts on the spot when the transfer transaction is started.

In such a case, the transaction operation time per customer is prolonged, and as a result, there is a problem in that the waiting time of the following customer is prolonged and an unpleasant feeling is given. In addition, waiting for the turn of the transaction makes the customer's image of the transaction to the automatic transaction device worsen, or the troublesome labor involved in the transfer operation such as having to calculate the transfer amount is cut off. There is a risk that it will lead to a result that discourages the use itself. As a result, there is a problem that not only the number of transactions and the operating rate of the automatic transaction device are lowered, but also a store in which the automatic transaction device is installed suffers a great disadvantage.

The present invention has been made in order to solve the above-mentioned problems, without prolonging the transaction time per customer, which has been prolonged along with the calculation processing of the transfer amount etc. that occurs during the transfer transaction. Another object of the present invention is to provide an excellent automatic transaction apparatus that eliminates the troublesome labor of re-inputting the calculated transfer amount and enables the transfer operation with a simple operation and faster.

[0016]

In order to achieve the above object, the present invention makes it possible to calculate a transfer amount and the like using a customer operation unit, and to use the calculation result as the transfer amount. is there. That is, a customer operation unit having a display section for displaying transaction subjects and operation guidance displays and an input means for inputting transaction information according to the display of this display section, a card insertion return slot for inserting and returning a transaction card, and a transaction card. Card reading / writing section for reading and writing information recording section, transaction statement processing section for issuing statement sheet with transaction details printed to customers, and money deposit / withdrawal section for depositing / withdrawing money. When the customer operates the customer operation unit to instruct a transfer transaction, a screen for prompting the input of information of the transfer destination is displayed on the display unit, and when the customer inputs the information of the transfer destination from the input means according to the displayed contents, Then, the amount input screen for prompting the input operation of the transfer amount is displayed on the display unit, and when the customer inputs the transfer amount from the input means in accordance with the displayed contents, the previous amount is displayed based on these input information. In the automatic transaction device including a control unit that controls each part to automatically process a transfer transaction and issues a transaction statement in which transaction details are printed to a customer to end the transfer transaction process, the display unit. Calculator function display means for displaying the calculator function on, and transfer amount recognition means for using the calculation result calculated using the calculator function displayed on the display section by the calculator function display means as the transfer amount, to the control section. It is to be provided.

Further, a calculator key for calling the calculator function on the amount input screen and a return key for returning from the calculator function screen displaying the calculator function to the amount input screen are displayed on the display unit to perform a transfer transaction operation. The amount of money to be transferred can be calculated by the customer operation unit.

[0018]

According to the above-mentioned structure, when the customer selects the transfer transaction from the transaction items on the display screen of the customer operation unit, the control unit confirms the customer by the input operation of the cash card, the passbook and the personal identification number. After that, the transfer transaction operation screen is displayed on the display unit to prompt the customer to input the transfer destination information. This is performed, for example, by inserting a transfer card or performing a key input operation from the input means.

When the input of the transfer destination information is completed by the customer operation, the control unit subsequently changes the display screen of the customer operation unit to the amount input screen. The customer inputs the transaction amount according to this display content, but at this time, the calculator key that calls the calculator function is displayed on the amount input screen, so the customer who has not calculated the transfer amount etc. will calculate on the spot. Press the calculator key on the screen to do so. As a result, the control unit causes the display unit to display the calculator function by the calculator function display means.

When the customer operates this calculator function to calculate the amount of money to be transferred, the control unit sends the calculation result to the display screen and displays it in the calculation result display section of the calculator function, and at the same time, displays the calculated result. Is automatically set as the transfer amount, and the statement that it is displayed in the transfer amount column of the amount input screen informs the customer that the transfer amount is automatically input. Therefore, the customer presses the return key provided on the screen displaying the calculator function to call the amount input screen again. Then, the amount of money calculated using the calculator function is displayed as the amount of money to be transferred in the amount of money display column of the called screen. Here, if the transfer amount is not correct, the calculator function is called again, recalculation is performed, and the transfer amount column is automatically displayed by calling the amount input screen. Also, if the customer confirms that the amount displayed in the transfer amount column is correct,
The control unit controls each component inside the apparatus to perform the transfer transaction processing, prints the transaction content on a statement slip and issues it to the customer, and ends the transfer transaction processing.

[0021]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing an example of the configuration of the automatic transaction apparatus of the present embodiment, FIG. 2 is a flowchart showing a customer operation procedure in a transfer transaction performed using the automatic transaction apparatus having the example configuration shown in FIG. 1, and FIG. FIG. 9 is an explanatory diagram showing a screen display example when inputting a transfer amount during a transfer transaction. In FIGS. 1 to 3, substantially the same parts as in the conventional case are designated by the same reference numerals, and the description thereof will be omitted to avoid duplication.

In FIGS. 1 to 3, reference numeral 15 is a calculator function display means, and 16 is a transfer amount recognition means, which are provided in the control unit 1 and are used in the transfer transaction processing.
It is controlled and operated by. That is, when the calculator function display means 15 comes to the step of inputting the transfer amount in the operation procedure of the transfer transaction described later,
The calculator function is displayed after the amount input screen of the CRT screen, and the customer can operate the calculator image displayed on the CRT screen to perform calculations in the same manner as a normal calculator.

Further, the transfer amount recognition means 16 recognizes that the calculation result calculated by the calculator function display means 15 should be used as it is as the transfer amount, and the customer is requested to use this calculation result as it is as the transfer amount. In order to notify, the transfer amount is automatically displayed in the transfer amount column of the amount input screen displayed on the CRT screen again.

Numeral 20 is a CRT in the customer operation unit 2.
This is a screen on which various operation keys as shown in FIG. 3 are displayed. First, screen A is an amount input screen, and this screen has a calculator key 2 for calling the calculator function.
1. The confirmation key 22 to be pressed when it is confirmed that the customer is sure that the displayed transfer amount is the transaction amount, the ten key 23 for inputting the transfer amount, etc., and the transfer amount input from the ten key 23 is displayed. It is a transfer amount display column 24.

Screen B is a calculator function screen that is called and displayed by pressing the calculator key 21, and displays a calculator function key 26 having a calculation function. This calculator function key 26 is a normal calculator. Similarly, the calculation result display field 26a,
And a numeric keypad field 26b made up of numbers and symbols. Further, a return key 27 for returning to the amount input screen is provided.

The screen C is the same amount input screen as the screen A, and here, the total amount of a plurality of purchase prices calculated on the calculator function screen and the total amount of shipping fee, handling fee, etc. related to the total amount are transferred. This shows the case where the amount is displayed. Next, an operation procedure of a transfer transaction by the automatic transaction device having the above-described configuration will be described with reference to the flowchart shown in FIG.

First, a customer who wishes to make a transfer transaction presses a transfer transaction key from among several transaction items displayed on the CRT screen of the customer operation unit 2 (SB1). By pressing this key, the control unit 1 of the automatic transaction device causes the voice and CR
The T screen display prompts the customer to insert a cash card or passbook into the insertion slot, and the customer inserts the cash card into the slot according to this operation guide (SB
2).

When the customer inserts the cash card, the control unit 1 further prompts the customer to input the personal identification number, so that the customer depresses the ten key of the customer operation unit to input the personal identification number (SB3). The personal identification number entered in this way is transmitted to the higher-level device together with the customer data read from the magnetic stripe of the cash card inserted through the insertion slot, and when the high-level device performs verification and customer confirmation is made, control is performed. The department 1 displays the transfer transaction operation screen on the CRT screen of the customer operation unit 2 and asks the customer whether there is a transfer transaction card (SB4).

When the customer has the transfer transaction card, the process proceeds to SB5, and the insertion of the transfer transaction card is requested by the CRT screen, so the customer inserts the transfer transaction card into the insertion slot (SB5). If you do not have a transfer transaction card, proceed to SB6 and display the transfer destination information on the CRT.
Input on the screen (SB6) and press the registration key to register in the transfer card (SB7).

A transfer transaction card is inserted at SB5,
Or if the transfer card is registered at SB7,
Since the control unit 1 changes the CRT screen of the customer operation unit to an amount input screen as shown in screen A of FIG. 3, the customer presses the ten keys displayed on this operation screen to input the amount of money to be transferred. At this time, since the calculator key 21 for calling the calculator function is displayed on the screen, the amount of money already transferred,
In other words, if you calculate the total amount of these multiple charges, shipping fee, handling fee, etc. as the transfer amount when you purchase multiple items by mail order, this calculator key 21 is not necessary, but the purchase price stamp When the sum of the total amount and the fee is added on the spot, the calculator key 21 on the screen is pressed (SB8).

When the calculator key 21 is pressed in SB8, the control unit 1 controls the calculator function display means 15 to display the calculator function key 26 on the display unit, and the screen B as shown in FIG. 3 is displayed on the CRT screen. To display. This allows
The customer uses the ten-key field 26b of the displayed calculator function key 26.
When the transfer amount is calculated using (SB9), the control unit 1 calculates according to the input data, and the calculation result is sent to the CRT screen and displayed in the calculation result display field 26a of the calculator function key 26. At the same time, a sentence saying that the displayed calculation result is automatically displayed as the transfer amount in the transfer amount column 24a of the amount input screen (screen C) is displayed, and the transfer amount is automatically displayed in the amount display column 24a to the customer. Notify that you will be input to.

When the customer finishes the calculation with the calculator function key 26, the customer presses the return key 27 displayed on the screen B (SB10). By this operation, the control unit 1 again displays the amount input screen on the CRT display screen. At this time, as shown on the screen C of FIG.
Thus, the calculation result performed by using the calculator key 21 on the screen B is automatically displayed as the transfer amount in the amount display field 24a. Then, it is asked whether or not the displayed transfer amount is the transfer amount as it is (SB11). In other words, since a case where the calculation result is incorrect or the like is taken into consideration, a step is provided to correct the content displayed as the transfer amount here.

If the amount displayed in the amount display field 24a is incorrect, the correct amount of transfer is entered (SB1
2). If you want to calculate again with the calculator, you can press the calculator key 21 again to call the calculator function display screen, which can be repeated until the correct amount is calculated. The calculation result is automatically input and displayed in the amount display field 24a by the transfer amount recognizing means 16 any number of times.

In this way, the amount of money to be transferred is displayed in the amount display field 24a, and the transaction information such as the previously inserted transfer transaction card and the transfer partner by the input operation is displayed. Therefore, the customer confirms the displayed contents and confirms the transaction. If it is satisfied, the confirmation key 22 is pressed (SB13). When the confirmation key 22 is pressed, the control unit 1 controls each component inside the apparatus to perform the transfer transaction process, and the statement printing unit 6 prints the details of the transaction contents on the statement sheet and then At the same time as issuing the statement slip to the customer, the previously inserted transfer transaction card and cash card are returned to the customer (SB1
4), the transfer transaction processing ends.

[0035]

As described above, according to the present invention, when an automatic transaction device is used to make a transfer transaction, a calculator function key having a calculator function is provided in a customer operation unit for a customer to input transaction information. In addition to displaying it, the calculation result calculated using this calculator function key can be used as it is as the transfer amount, so if you want to add multiple amounts to make the transfer amount, calculate this transfer amount. Even if it is not calculated in advance before starting the operation of the apparatus, it can be calculated on the display screen during the operation, so that it is not necessary to calculate the transfer amount in advance. In addition, even if you perform calculations on the spot, you can use the same screen during processing operations, so the operation itself does not take long, and per customer per customer compared to the case where manual calculations or mental calculations were performed as in the past. Trading time can be shortened. Therefore, the waiting time of the subsequent customer is not prolonged and the service is not deteriorated, so that the processing image of the customer for the automatic transaction device can be improved.

Further, the calculation result calculated by using the calculator function key is used as it is in the transaction processing as the transfer amount, that is, the operation of inputting the calculation result again is not required, so that the operation of the customer is easy. In addition, since it is possible to prevent an input error such as inputting a calculation result by mistake, not only operability but also accuracy can be improved.

Further, by displaying the calculator key when calling the calculator function and the return key when returning to the money amount input screen from the calculator function, the customer can display it when necessary. Only this calculator function can be used. In other words, the above calculator function is not necessary for customers who have calculated the total purchase price, shipping fee, handling fee, etc. as the transfer amount in advance, but in such a case, the calculator function will not be displayed unless the calculator key is pressed. I will not do it,
Unnecessary display screens are not displayed, thus shortening the transaction operation time. As a result, it is possible to improve the number of transfer transactions and the operating rate of the automatic transaction device, and to bring a great profit to the store in which the automatic transaction device is installed.

[Brief description of drawings]

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

FIG. 2 is a customer operation flowchart of a transfer transaction in the automatic transaction device shown in FIG.

FIG. 3 is an explanatory diagram showing a screen display example when inputting a transfer amount during a transfer transaction.

FIG. 4 is a block diagram showing a configuration example of a conventional automatic transaction device.

FIG. 5 is a transfer transaction operation flowchart in an automatic transaction device of a conventional example.

[Explanation of symbols] 2 Customer operation unit 3 Card reading / writing unit 4 Statement printing unit 15 Calculator function display unit 16 Transfer amount recognition unit 17 Control unit 20 CRT screen 21 Calculator key 22 Confirmation key 23 Numeric keypad 24 Transfer amount display column 24a Transfer amount display column 26 Calculator function key 27 Return key

Claims (2)

[Claims] 1. A customer operation unit having a display unit for displaying transaction items and operation guidance displays, and an input unit for inputting transaction information in accordance with the display of this display unit, and a card insertion return slot for inserting and returning a transaction card. , A card reading / writing unit that reads and writes the information recording unit of the transaction card, a transaction statement processing unit that issues a statement sheet that prints the transaction details to the customer, and a currency deposit / withdrawal unit that deposits and withdraws money. When a customer instructs a transfer transaction by operating the customer operation unit, a screen prompting the input of information of the transfer destination is displayed on the display unit, and the information of the transfer destination is input from the input unit to the customer according to the displayed content. Then, the amount input screen prompting the user to enter the transfer amount is displayed on the display section, and when the customer inputs the transfer amount from the input means according to the displayed contents, based on these input information An automatic transaction device including a control unit that automatically controls a transfer transaction by controlling each of the above-mentioned units, and issues a transaction statement in which the transaction content is printed to the customer to control the transfer transaction process. The calculator function display means for displaying the calculator function on the display unit, and the transfer amount recognition means for using the calculation result calculated by using the calculator function displayed on the display unit by the calculator function display unit as the transfer amount, An automatic transaction device characterized by being provided in the department. 2. A calculator key for invoking a calculator function on an amount input screen for a customer to input a transfer amount, and a return key for returning from the calculator function screen displaying the calculator function to the amount input screen on the display section. The automatic transaction device according to claim 1, wherein the automatic transaction device is displayed.