JPH0793643A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To speed up the trasaction operations of a customer who is used to the operations and a customer whose transaction contents is fixed by displaying the operation information for rapid processing on the screen of a display operation means when a rapid processing request information exists. CONSTITUTION:An automatic transaction device 1 is provided with a box type body 2, a horizontal operation surface 3b is provided with an operation means 9 where a touch sensor panel and a color CRT are combined, and an operation procedure and other information are displayed on the screen of a color CRT by illustrated characters or words. When a batch input processing is performed based on rapid processing information, a main control part displays the batch input screen on the operation means 9. A customer can immediately perform the operations and inputs necessary for transactions, looking at this batch input screen. When the operation of the customer is completed, the telegraphic message transmission and reception of transaction information is performed based on the control of the main control part and a card is discharged to a card port 6 at a stage when the trasaction processing is terminated. The operability of the customer who is used to the operation is remarkabley improved.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device such as an automatic depositing machine.

[0002]

2. Description of the Related Art Currently, a large number of automatic transaction devices are used in financial institutions. However, the operating method and procedure of the automated teller machine are determined by model, so the same operation is performed for the same model.

[0003]

However, in the case of such an automatic transaction apparatus of the same model and the same operation, both those who often use this automatic transaction apparatus and those who rarely use this automatic transaction apparatus must operate in the same procedure. .

As a result, there is a problem in that it is not possible to deal with a request for improvement in operability of a customer who frequently uses the automatic transaction apparatus and who is accustomed to the operation or who pays the same amount of money many times with fixed transaction contents. There is.

[0005] Therefore, an object of the present invention is to provide an automatic transaction apparatus capable of speeding up a transaction operation of a customer who is accustomed to the operation or a customer whose transaction content is fixed.

[0006]

An automatic transaction apparatus according to claim 1 is a display operation means for displaying operation information that can be input on a screen, and a medium information processing means for reading out medium information recorded in an information recording section of a transaction medium. And display control means for determining whether or not there is rapid processing request information in the medium information read by the medium information processing means, and displaying the operation information for rapid processing on the screen of the display operating means when the rapid processing request information is present. Is to have.

According to another aspect of the present invention, in the automatic transaction apparatus, the quick processing request information in the medium information is processed by the medium information processing means on the basis of a selection operation from the operation information for normal processing displayed on the display operation means. It is to be registered in the information recording section of the transaction medium.

According to the third aspect of the present invention, the automatic transaction device displays the operation information for the rapid processing, collectively displays a series of operation information necessary for the transaction processing, and operates on one screen.

According to another aspect of the present invention, the automatic transaction apparatus displays the operation information for rapid processing, and collectively displays a plurality of types of selectable transaction amount information with high transaction frequency by the transaction medium.

[0010]

According to the automatic transaction apparatus according to claim 1, the display control means determines whether or not there is prompt processing request information in the medium information read by the medium information processing means, and when there is prompt processing request information, the display operation means. Since the operation information for quick processing is displayed on the screen, the customer who is accustomed to the operation or the customer who has a fixed transaction content can perform the transaction operation more quickly.

According to the automatic transaction apparatus of the second aspect, the quick processing request information can be registered in the information recording section of the transaction medium by the customer's operation, so that the next and subsequent transaction operations can be performed more quickly.

According to the automatic transaction apparatus of claim 3, a series of operation information necessary for transaction processing are collectively displayed on the display operation means and the operation is performed on one screen. It can contribute to the improvement of operability.

In the automatic transaction apparatus according to the fourth aspect, the transaction contents are fixed because the plurality of types of selectable transaction amount information having a high transaction frequency by the transaction medium are collectively displayed on the display operation means. It can contribute to improving the operability of the customer.

[0014]

Embodiments of the present invention will be described below with reference to the drawings.

The automatic transaction apparatus 1 of this embodiment shown in FIG.
A box-shaped housing 2 is provided, and a substantially L-shaped operation area 3 is formed on the front surface of the housing 2. The vertical operation surface 3a of the operation area unit 3 is provided with a passbook insertion slot 4, a card slot 5 for inserting and returning a magnetic card (hereinafter also referred to as "card") as a transaction medium, and a receipt issuing slot 6. ing.

On the horizontal operation surface 3b of the operation area 3,
A deposit / withdrawal port 7 is provided as a bill receiving portion that serves both as a depositing / dispensing port for bills and the like, and the deposit / withdrawal port 7 is opened and closed by a door 8.

Further, the horizontal operation surface 3b is provided with an operation means 9 which is a combination of a touch sensor panel and a color CRT, and the operation procedure and other information are displayed on the screen of the color CRT by illustration characters or words. In doing so, the customer's operation is guided, and the automatic transaction is performed by pressing each area of the touch sensor panel corresponding to the display number corresponding to the identification number, amount, account number, transaction approval, confirmation or cancellation in the displayed information. An input operation to the device 1 is performed.

Further, as shown in FIG. 2, a passbook as a transaction medium inserted from the passbook insertion port 4 is received in the housing 2 to read and record the magnetic information thereof and the transaction contents. A passbook printer unit 23 that prints a card, and a conveyance process of a card inserted from the card slot 5,
A main card reader unit 21 for reading information,
A receipt printer unit 22 for issuing slips to the receipt port 6 and creating a copy journal for printing and holding a history of transaction contents, and a banknote deposit / withdrawal function for returning and depositing forgotten banknotes, recovering forgotten banknotes, loading and scrutiny Unit 24
And a coin deposit / withdrawal unit 25 for depositing / withdrawing coins.
And a customer service unit 26 that constitutes the main operation means 9,
A voice guidance unit 27 and an internal monitor 28 are provided.

The respective units 21 to 27 and the internal monitor 28 are controlled by a main control section 32 constituting a display control means.

Further, the main control section 32 controls the data transmission to and from the host computer (center) which manages the transaction of deposit and withdrawal of the automatic transaction apparatus 1,
The floppy disk unit 30 for storing various information, the remote monitor 34 for the staff, and the power supply unit 33 are controlled.

3 and 4 show the stored contents of the magnetic stripe (MS) of the card.

In the present embodiment, the spare field in the 45th to 50th digits of the magnetic stripe as the information recording portion of the card is used as a registration area for quick processing request information.

In the 45th to 50th digits of the spare field,
As shown in FIG. 5, a registration presence / absence area (1 bit), a registration type (3 bits) area, and a registration amount data area (5
There is a byte).

The registration presence / absence (1 bit) area indicates whether or not the rapid processing request information is registered. The registration type area (3 bits) represents the type of quick processing, and this registration type area distinguishes between the batch input processing shown in FIG. 8 and the amount input quick processing shown in FIG. 7.

In the registration amount data area (5 bytes), the amount to be confirmed or selected by quick processing is registered. It is designed to register one item of data (unit: 1,000 yen) with 5 bytes.

Next, the operation of the automatic transaction device 1 will be described.

First, normal processing will be described with reference to FIG.

In this case, the card is inserted into the card slot 6 (S1), and then the personal identification number from the operating means 9
The payment amount is input (S2, S3). This allows
Under the control of the main control unit 32, a transaction information telegram is transmitted and received (S4), and the card is ejected to the card slot 6 when the transaction processing is completed (S5).

Next, the amount quick process and the batch input process based on the rapid process information will be described.

As shown in FIG. 7, a card is inserted into the card slot 6 (S11), and then a personal identification number is input from the operating means 9 (S12), as in the case described above. Next, a payment amount selection screen as shown in FIG. 9 is displayed on the operation means 9 under the control of the main control unit 32, and when the cardholder (customer) selects a desired amount of money on this screen ( In S13), the telegram of the transaction information is transmitted / received under the control of the main control unit 32 (S14), and the card is ejected to the card slot 6 at the stage when the transaction processing is completed (S15). As a result, the amount-of-money quick processing is executed promptly, and the operability of the customer who pays the same amount of money repeatedly is improved more than in the case of the normal processing shown in FIG.

Next, when performing a batch input process based on the rapid process information, the main control section 32 displays a batch input screen as shown in FIG. The customer can immediately perform the operations and inputs necessary for the transaction while looking at this collective input screen. As shown in FIG. 8, when the operation of the customer is completed (S23), a telegram of the transaction information is transmitted / received under the control of the main control unit 32 (S22). Is released to the camera (S23). As a result, the operability of the customer who is accustomed to the operation is further improved.

The batch input screen shown in FIG. 10 is displayed after the customer selects the payment transaction on the payment amount input screen shown in FIG. 12, and the payment amount selection screen shown in FIG. 9 is shown in FIG. Instead of displaying the payment amount input screen shown, it is displayed by selection on the registration payment amount confirmation screen shown in FIG.

On the payment amount confirmation screen shown in FIG. 11, the rapid processing request information is registered in the registration presence / absence area for the applicant.

Further, the amount to be confirmed or selected in the rapid amount input process is written in advance in the registered amount data area of the card. There are two types of writing methods: local processing and center notification processing.

The local processing is to write the transaction amount on the card and display the transaction amount for the next transaction as shown in FIG. 13 for confirmation.

The center notification processing is to set whether or not to register the rapid processing in the transaction request message sent to the center (host computer).
Receive the top 5 most frequently used transaction amount data from the past transactions of the customer in the downlink message from the center,
This data is written in the registered amount data area (5 bytes). Incidentally, FIG. 14 is a registration amount change screen.

Further, as shown in FIG. 15, it is possible to display a guide for payment amount and collective input, and to let the customer select the payment amount selection screen or collective input screen.

[0038]

According to the first aspect of the present invention, it is possible to provide an automatic transaction apparatus which can contribute to the improvement of the operability of a customer who is accustomed to the operation or a customer who has a fixed transaction content.

According to the second aspect of the present invention, it is possible to provide an automatic transaction apparatus capable of performing a subsequent transaction operation more quickly.

According to the third aspect of the present invention, it is possible to provide an automatic transaction apparatus which can contribute to improving the operability of a customer who is particularly accustomed to the operation.

According to the fourth aspect of the present invention, it is possible to provide an automatic transaction device which can contribute to the improvement of the operability of a customer who has a fixed transaction content.

[Brief description of drawings]

FIG. 1 is a perspective view of an apparatus according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a control system of an apparatus according to an embodiment of the present invention.

FIG. 3 is an explanatory view showing the contents of a spare field of a card of the embodiment device of the present invention.

FIG. 4 is an explanatory diagram showing the contents of a spare field of a card of the embodiment device of the present invention.

FIG. 5 is an explanatory diagram of a rapid processing registration area in a spare field of a card.

FIG. 6 is a flowchart showing normal transaction processing.

FIG. 7 is a flowchart showing a process for selecting a payment amount.

FIG. 8 is a flowchart showing a process when batch input is performed.

FIG. 9 is an explanatory diagram showing a payment amount selection screen.

FIG. 10 is an explanatory diagram showing a batch input screen.

FIG. 11 is an explanatory diagram showing a payment amount confirmation screen.

FIG. 12 is an explanatory diagram showing a payment amount input screen.

FIG. 13 is an explanatory diagram showing a registration payment amount confirmation screen.

FIG. 14 is an explanatory diagram showing a registration amount change screen.

FIG. 15 is an explanatory diagram showing a selection screen for rapid processing.

[Explanation of symbols]

 1 automatic transaction device 2 device body 9 operation means

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Claims (4)

[Claims] 1. A display operation means for displaying operation information that can be input on a screen, a medium information processing means for reading out medium information recorded in an information recording section of a transaction medium, and a quick operation for the medium information read out by this medium information processing means. An automatic transaction apparatus, comprising: display control means for determining whether or not there is processing request information and displaying operation information for rapid processing on the screen of the display operation means when there is rapid processing request information. 2. The rapid processing request information in the medium information is stored in the information recording section of the transaction medium by the medium information processing means based on a selection operation from the operation information for normal processing displayed on the display operation means. The automatic transaction device according to claim 1, which is registered. 3. The automatic transaction apparatus according to claim 1, wherein the display of the operation information for the rapid processing is to collectively display a series of operation information necessary for the transaction processing and to perform the operation on one screen. 4. The automatic transaction apparatus according to claim 1, wherein the display of the operation information for rapid processing is to collectively display a plurality of types of selectable transaction amount information having a high transaction frequency of the transaction medium.