JPH0793645A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To provide an automatic transaction device which is capable of improving service to customers and performing a smooth operation then a bankbook is used as a transaction medium. CONSTITUTION:In an automatic transaction device 1 having processing pages according to plural kinds of transaction accounts and processing a slip shape transaction medium to which page discrimination information is imparted to each page by using a transaction medium processing means 23, an input means selecting transaction accounts, a page control means controlling the inserted page of the transaction page inserted by the transaction medium processing means 23 and the processing pages according to plural kinds of transaction accounts and judging the necessity of revised pages and a revised page processing means performing a revised page processing to the processing page where the page of the transaction medium is suited to the transaction account selected by the input means based on the judgment of the necessity of revised pages by a page control means are provided. By this constitution, even when the transaction medium is inserted in a state that a customer opens an erroneous page which is not compatible to the transaction account, a proper revised page processing can be automatically performed, the improvement of the service to customers and a smoothe operation can be performed.

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,
More specifically, the present invention relates to an automatic transaction device which is installed at a predetermined location of a financial institution such as a bank and which automatically performs transactions such as cash deposit and withdrawal by customer operation.

[0002]

2. Description of the Related Art In recent years, CDs (cash dispensers)
ATMs such as ATMs and ATMs are installed in various places such as banks, financial institutions such as banks, train stations, retail stores, etc. We are carrying out transactions such as money.

For such transactions such as cash deposits and withdrawals to a large number of customers, the required number of processing pages corresponding to a plurality of types of transaction accounts possessed by the customers, that is, ordinary deposit accounts, time deposit accounts, etc. It is performed using a passbook provided or a magnetic card formed in a predetermined size.

In the conventional automatic transaction device,
When making a transaction using a passbook, the passbook processing unit sequentially prints transaction information according to the transaction on each page of the passbook.

[0005]

However, in the case of the conventional automatic transaction apparatus, when performing a transaction based on a savings account, the passbook is automatically transacted with the processing page corresponding to the time deposit account opened by mistake. However, it is not possible to carry out the transaction as it is, the transaction is once interrupted, the passbook is returned to the customer, a new page is opened, and the user is prompted to re-insert it. There is a problem that the operation is required from the customer, the serviceability to the customer is lacking, and it is an obstacle to the smooth operation of the automatic transaction device.

Therefore, according to the present invention, even if a customer inserts a transaction medium in a state where an erroneous processing page that does not match a transaction account is opened, the page is automatically changed to a processing page that matches the transaction. It is an object of the present invention to provide an automatic transaction device capable of improving the serviceability to customers and achieving smooth operation.

[0007]

The invention according to claim 1 is
An automatic transaction device that has a processing page corresponding to a plurality of types of transaction accounts, and uses a transaction medium processing means to process a form-like transaction medium with page identification information attached to each page. Managing the input means for selecting, the insertion page of the form-like transaction medium inserted in the transaction medium processing means, and the processing page corresponding to a plurality of types of transaction accounts of the transaction medium, and whether or not a page break is necessary. Page management means for judging, and page break processing means for carrying out page break processing of pages of the transaction medium into processing pages suitable for the transaction account selected by the input means based on the result of judgment of page break required by the page managing means. Is to have.

According to another aspect of the present invention, a transaction medium in the form of a form having processing pages corresponding to a plurality of types of transaction accounts and having page identification information attached to each page is automatically processed by using the transaction medium processing means. A transaction device, an input means for selecting a plurality of types of transaction accounts, a storage means for storing the plurality of types of transaction accounts and page identification information of a processing page corresponding to each transaction account, and a transaction medium processing means. A page recognition means for recognizing the page identification information of the inserted page of the inserted form-like transaction medium, and the recognition result of this page recognition means and the page identification information of the processed page corresponding to each transaction account stored in the storage means. And a page-change processing means for changing the page of the transaction medium to a processing page suitable for the transaction account selected by the input means.

According to a third aspect of the invention, the page recognition means optically recognizes the page identification information of the processed page corresponding to a plurality of types of transaction accounts in the transaction medium.

According to a fourth aspect of the present invention, at least two processing pages corresponding to a plurality of types of transaction accounts of the transaction medium are selected from a savings account, a time deposit account, a general savings account, and a checking account. They correspond to the above accounts respectively.

[0011]

Operation The operation of the automatic transaction device having the above-described structure will be described below.

[0012] Any one of the plurality of types of transaction accounts is selected by the input means in the automatic transaction device according to claim 1, and the transaction medium processing means further has a processing page corresponding to the plurality of types of transaction accounts. When a form-like transaction medium with page identification information attached to each page is inserted with the processing page open, the page management means responds to the inserted page of the transaction medium and a plurality of types of transaction accounts of the transaction medium. Processed pages are managed and whether page breaks are necessary or not is determined.

When the page management means determines that a page break is required,
The page feed processing means automatically page feeds the page of the transaction medium into a processing page suitable for the transaction account selected by the input means.

As a result, even if the customer inserts the transaction medium in the state where the wrong processing page that does not match the transaction account is opened, the page is automatically changed to the processing page that matches the transaction account. The serviceability of the device can be improved and the device can be operated smoothly.

Any one of a plurality of types of transaction accounts is selected by the input means in the automatic transaction device according to claim 2, and the transaction medium processing means further has a processing page corresponding to the plurality of types of transaction accounts. When a form-like transaction medium with page identification information attached to each page is inserted with the processing page open, the page recognizing means causes the page-recognizing means to insert the page of the form-like transaction medium inserted into the transaction medium processing means. Recognize identification information. Further, the page break processing means, based on the recognition result of the page recognition means and the page identification information of the processed page corresponding to each transaction account stored in the storage means, the page of the transaction medium by the input means. The page is automatically changed to the processing page that matches the selected trading account.

As a result, even if the customer inserts the transaction medium with the wrong processing page that does not match the transaction account opened, the page is automatically changed to the processing page that matches the transaction account. The serviceability of the device can be improved and the device can be operated smoothly.

In the automatic transaction apparatus according to claim 3, the page recognition means optically recognizes the page identification information of the processed page corresponding to the plurality of types of transaction accounts in the transaction medium. It is possible to surely recognize the opened processed page that is the basis of the.

According to the automatic transaction device of claim 4, the processing page corresponding to a plurality of types of transaction accounts of the transaction medium is selected from a savings account, a time deposit account, a general savings account, and a checking account. Since it corresponds to at least two or more accounts respectively, the automatic page break processing can be executed for the transaction medium including at least two or more of these accounts.

[0019]

Embodiments of the present invention will now be described in detail with reference to the drawings.

First, referring to FIG. 3, an external structure of an automatic transaction apparatus (for example, an automatic teller machine) 1 according to this embodiment will be described.

The automatic transaction apparatus 1 shown in FIG. 3 is provided with a substantially L-shaped customer service area 2 on the front surface of a box-shaped housing 1A.

On the horizontal surface of the customer service operation area 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 can be opened and closed by a door 4. Has become.

Further, on the horizontal surface of the customer service operation area 2, there is provided an operation section 5 which functions as an input means and a display means in which a transparent touch sensor panel and a color CRT are combined.

The color CRT of the operation unit 5 includes an operation procedure,
Other information is displayed on the screen by text, wording, illustrations or image information to guide the customer. Further, by touching a part 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 operation area 2, a personal identification number, an account number, a code of the issuing bank, etc. are recorded on the magnetic stripe. A passbook opening for receiving a passbook or a transfer card as a medium, a receipt opening 8 for ejecting a printed receipt (detailed voucher), a coin insertion slot 9 for receiving a large number of coins in a batch, and a released coin in a batch A coin receiving port 10 for receiving coins, an attendant key 11 operated by an attendant, and the like are provided.

FIG. 1 shows a control system of the automatic transaction apparatus 1, in which a card reader unit 2 is provided in the housing 1A.
1, a receipt printer unit 22, a passbook printer unit 23 as a transaction medium processing means, a banknote deposit / withdrawal unit 24, a coin deposit / withdrawal unit 25, a customer service unit 26 including the operation section 5, a voice guidance unit 27, and an internal monitor 28. is doing.

Further, the automatic transaction apparatus 1 comprises a storage unit 29, a floppy disk 30, a transmission control unit 31, a main control unit 32 for controlling the whole, a power supply unit 33 and the like.

The card reader unit 21 reads account information such as a personal identification number and an account number from the magnetic stripe of the card received from the card slot 6 and also returns the card to the card slot 6. .

The receipt printer unit 22 issues a receipt (detailed voucher) on which the transaction details are printed, or prints the result of self-diagnosis on the receipt, and the receipt port 8
It is designed to be discharged from.

The passbook printer unit 23 is, as shown in FIG. 2, a carrying section 41 for carrying in a passbook from the passbook opening 7 and carrying out the passbook to the passbook opening 7, and FIG. 4 carried in from the passbook opening 7. A magnetic head 42 for reading or writing information from or to the magnetic stripe MS of the passbook, and an optical sensor 43 as a page recognition means for optically reading a page mark PM as page identification information provided on each processed page of the passbook, A printing unit 44 for printing transaction processing information on each processing page of the passbook;
A page break processing unit 45 is provided as a page break processing means for carrying out page break processing of each processing page of the passbook.

Regarding the processed pages of the passbook, for example, pages 1 to 3 are used for a time deposit account, and pages 4 to 10 are used for an ordinary deposit account.

Further, the passbook printer unit 23 is
The transfer card is issued by recording the transfer information of the transfer transaction on the original ticket of the transfer card, and it is ejected from the passbook opening 7. Furthermore, information is recorded on the magnetic stripe of the transfer card received from the passbook opening 7. Are read and written.

The banknote deposit / withdrawal unit 24 has a banknote slot 3
The banknotes that have been collectively inserted into the banknotes are discriminated, counted, and stored, and if necessary, a predetermined number of banknotes that have been stored in the safe in advance are taken out and collectively paid out from the banknote slot 3. .

The coin depositing / dispensing unit 25 discriminates, counts and stores the coins that are collectively loaded into the coin slot 9, and if necessary, removes a predetermined number of coins stored in advance in the safe. The coins can be paid out collectively from the coin receiving port 10.

The voice guidance unit 27 is designed to guide the customer's operation by voice.

The internal monitor 28 transmits the state of the apparatus to the personnel involved in the operation of the automatic transaction apparatus 1, and
The operator inputs an operation instruction.

The main control unit 32 controls each of the units 21 to 27, the internal monitor 28, the storage unit 29 as a storage unit, and the transmission control unit 31 while referring to the program information in the floppy disk unit 30. , Are designed to perform a predetermined operation.

Further, the main control section 32 performs a remaining amount diagnosis (check) of various media (banknotes, coins, receipt paper, journal paper, transfer card, etc.), and also performs operation diagnosis (check) of each unit 21 to 27. ).

A remote monitor 34 is connected to the main control section 32 as needed to enable remote monitoring. The remote monitor 34 is controlled by the main control unit 32, displays almost the same information as the internal monitor 28, and when an abnormality occurs in the automatic transaction apparatus 1, a buzzer or other sounding means is also used to detect the abnormality. It is supposed to inform you.

The storage unit 29 stores the automatic transaction device 1
It stores a plurality of types of transaction accounts in the passbook handled in 1. and page identification information of the processing page corresponding to each transaction account. For example, among the processing pages in the passbook, it is stored that pages 1 to 3 are processing pages for time deposit accounts and pages 4 to 10 are processing pages for ordinary savings accounts.

The main control section 32, the storage section 29 and the optical sensor 43 constitute a page management means.

The floppy disk unit 30 stores a program of a processing procedure relating to the operation of the automatic transaction apparatus 1, records various kinds of information and transactions used for the transaction, records the operating status of the automatic transaction apparatus 1, and performs automatic transaction. Storage of special information set uniquely to the device 1 is performed.

Further, the program may be stored in the hard disk 35.

The transmission controller 31 is connected online with the host computer of the center via a communication line.
Online communication is available with the host computer when necessary.

Next, the operation of the automatic transaction apparatus 1 having the above-described configuration will be described mainly with reference to FIGS. 5 to 7, mainly using a passbook.

A customer who wants to use the automatic transaction apparatus 1 operates the touch sensor panel while looking at the color CRT screen on the operation unit 3 to select, for example, an ordinary savings account (ST1) and to use a passbook. Open any processing page and insert this passbook into the passbook slot 7 (ST
2), the optical sensor 4 in the passbook printer unit 23
3 reads the page mark PM of the opened processed page of the passbook and sends the read result to the main controller 32.

The main control unit 32, based on the result obtained from the optical sensor 43 and the page identification information of the processing page corresponding to each transaction account stored in the storage unit 29, the processing page in which the passbook is opened. Determines whether or not it can be used for the savings account (ST3). When the main control unit 32 determines that the processing page is unusable for the ordinary savings account, the page break processing unit 45 performs the page breaking process until the processing page becomes usable for the ordinary savings account. (ST4).

After the page feed process is performed up to the usable process page, the transaction process based on this passbook is performed (ST
5). Then, at the stage where the above-mentioned transaction processing by the ordinary deposit account is completed, a display as shown in FIG. 7 is displayed on the screen of the color CRT in the operation unit 3 under the control of the main control unit 32 (ST6). When the customer selects, for example, the next account from the touch sensor panel, the process proceeds to step 3, and when the user selects end, the passbook is returned to the passbook opening 7 (ST7) and the transaction ends.

On the other hand, when the customer inserts the passbook with the processing page opened in the passbook slot 7 without selecting the initial transaction account (ST10), the display shown in FIG. 6 is displayed on the screen of the color CRT in the operation unit 3. And the account is selected (S
T10, 11).

For example, assume that the page of the ordinary account is opened and inserted in step 10.

If the customer wants to select an account other than the savings account, he or she selects a time deposit account or a funded time deposit account.

Then, under the control of the main control unit 32, the page break processing unit 45 carries out page break processing until the processed page can be used for the time deposit account (ST4).

Further, when conducting a transaction for an ordinary deposit account, the confirmation button is pressed. As a result, the process proceeds to step 5, and the transaction of the ordinary deposit account is executed (ST5).

By such an operation, even if the customer inserts the passbook into the insertion slot 7 while opening the wrong processing page that does not match the transaction account that the customer desires, the processing page that matches the transaction account is displayed. The page break is automatically performed, the serviceability to the customer is improved, and the smooth operation of the device becomes possible.

The present invention is not limited to the above-described embodiments, but various modifications can be made within the scope of the invention.

[0056]

According to the present invention described in detail above, the following effects can be obtained.

According to the first aspect of the present invention, even if the customer inserts the transaction medium with the wrong processing page that does not match the transaction account opened, the page is changed to the processing page that matches the transaction account. It is possible to provide an automatic transaction apparatus that is automatically performed, can improve the serviceability to customers, and can operate the apparatus smoothly.

According to the second aspect of the present invention, when the customer inserts the transaction medium in the state in which the erroneous processing page that does not match the transaction account is opened by the operation of the page recognition means, the storage means, and the page break processing means. However, it is possible to provide an automatic transaction device in which a page change to a processing page suitable for the transaction account is automatically performed, the serviceability to the customer is improved, and the device can be smoothly operated.

According to the third aspect of the present invention, it is possible to provide an automatic transaction apparatus capable of surely recognizing an open processed page which is the basis of page break processing.

According to the fourth aspect of the invention, an automatic page break for a transaction medium having at least two accounts selected from a savings account, a time deposit account, a general savings account, and a checking account. An automatic transaction device capable of executing processing can be provided.

[Brief description of drawings]

FIG. 1 is a block diagram showing a control system of an apparatus according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of a passbook printer unit of the embodiment apparatus of the present invention.

FIG. 3 is a perspective view showing the external appearance of an apparatus according to an embodiment of the present invention.

FIG. 4 is a perspective view of a passbook.

FIG. 5 is a flowchart showing the operation of the apparatus according to the embodiment of the present invention.

FIG. 6 is an explanatory view showing a display example of display means in the apparatus of the embodiment of the present invention.

FIG. 7 is an explanatory view showing a display example of the display means in the apparatus of the embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction device 5 Operation part 23 Passbook printer unit 29 Storage part 32 Main control part 43 Optical sensor 45 Page break processing part

Claims (4)

[Claims] 1. An automatic transaction device which processes transaction media in the form of a slip, which has processing pages corresponding to a plurality of types of transaction accounts, and which has page identification information attached to each page, using transaction media processing means.
The input means for selecting a plurality of types of transaction accounts, the insertion page of the form-like transaction medium inserted in the transaction medium processing means, and the processing page corresponding to the plurality of types of transaction accounts of the transaction medium are managed and modified. Based on the page management means for determining the necessity of the page and the result of the page management required by the page management means, the page of the transaction medium is processed into a processing page suitable for the transaction account selected by the input means. An automatic transaction device having a page break processing means. 2. An automatic transaction device which processes transaction media in the form of a document, which has transaction pages corresponding to a plurality of types of transaction accounts, and which has page identification information attached to each page, using transaction media processing means.
Input means for selecting a plurality of types of transaction accounts, storage means for storing the plurality of types of transaction accounts and page identification information of a processing page corresponding to each transaction account, and a form of a form inserted in the transaction medium processing means. A page recognition means for recognizing the page identification information of the inserted page of the transaction medium, and the transaction medium based on the recognition result of the page recognition means and the page identification information of the processed page corresponding to each transaction account stored in the storage means. Automatic page transaction processing means for performing a page break processing to process the page of the above into a processing page suitable for the transaction account selected by the input means. 3. The automatic transaction device according to claim 1, wherein the page recognition means optically recognizes page identification information of a processed page corresponding to a plurality of types of transaction accounts. 4. The processing page corresponding to a plurality of types of transaction accounts of the transaction medium corresponds to at least two accounts selected from a savings account, a time deposit account, a general savings account, and a checking account. The automatic transaction device according to claim 1, wherein