JPH08138106A - Automatic transaction device - Google Patents

Abstract

PURPOSE: To prevent a medium such as cash from being forgotton to be taken by permitting a customer to immediately receive a card when he inputs the card and terminates a password operation, and to receive the corresponding medium after a corresponding processing so that paper money is received by subsequent designation of the total sum. CONSTITUTION: A customer inserts a card into a card transaction part 2 in accordance with guidance displayed in a display part 4 by the control of a control part 1, and inputs a password number with an input part 5. When the operation of the customer against the card is terminated, the control part 1 discharges the card from the card handling part 2. Namely, the card is returned from the card handling part 2 when the person himslef is recognized. The customer designates the total sum with the input part 5 in accordance with guidance, and the control part 1 recognizes the validity of the password number and the propriety of the payment of designation on the total sum by communication with a host computer 6. When payment is possible, the cash of a prescribed amount is discharged from a cash handling part 3 and it is paid to the customer. Then, a detailed form where a transaction content is mentioned is issued.

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 for making payment by card, and more particularly to an automatic transaction apparatus having a function of preventing forgetting to take out a medium such as cash.

[0002]

2. Description of the Related Art A conventional example of an automatic transaction apparatus that accepts a card and makes payment will be described with reference to the drawings. FIG. 3 is a flowchart of a conventional example, which will be described below step by step. Sb1: First, the customer requests the automatic transaction device for payment by depressing the payment button of the input unit (not shown) of the automatic transaction device. This operation is recognized by a control unit (not shown).

Sb2: The control section displays guidance on a display section (not shown) to ask the customer to insert the card, and the customer inserts the card into the card handling section (not shown) accordingly. Sb3: After confirming that the card has been inserted, the control unit displays a guidance on the display unit and asks the customer to input the personal identification number. According to this, the customer inputs his / her own personal identification number registered in advance through the input section.

Sb4: The customer inputs the amount of money he / she wants to receive through the input section in accordance with the guidance for continuously inputting the amount of money. In response to the completion of this input,
By communicating with a host computer (not shown), the control unit determines whether the personal identification number is correct, whether the specified amount of money can be withdrawn from the account, and the like.

Sb5: When the personal identification number is correct and the amount of money is within the payable range, under the control of the control unit,
The card handling section ejects the card and issues a detailed statement stating the contents of the transaction. Further, when the transaction cannot be made, the fact is notified to the customer. Sb6: Under the control of the control unit, the cash handling unit prepares and ejects the cash of the amount.

[0006]

In the conventional automatic transaction device, the customer receives the card and the statement slip in order to discharge the card and the statement slip immediately before the receipt of cash.
You may forget to take cash because you think the transaction is complete. As a result, the operating efficiency of the automated teller machine is also reduced, which poses a problem in terms of service to customers.

[0007]

According to the present invention, a display section for displaying transaction information to a customer, an input section for receiving an input from the customer, a card handling section for accepting and processing a card, and handling cash. In an automatic transaction device comprising a cash handling unit and a display unit, an input unit, a card handling unit and a control unit for controlling the cash handling unit, the control unit causes the card handling unit to eject the card after processing the card, Subsequently, the customer is requested to input the amount of money, the amount of cash corresponding to the input is discharged from the cash handling unit, and a detailed statement of this transaction is issued.

[0008]

According to the guidance displayed on the display section under the control of the control section, the customer inserts the card into the card handling section and inputs the personal identification number from the input section. When the customer has finished operating the card, the control unit ejects the card from the card handling unit.

Following the guidance, the customer specifies the amount of money in the input section, and the control section recognizes the validity of the customer's personal identification number and whether the specified amount of money can be paid by communicating with the host. Pays a specified amount of cash from the cash handling department and pays it to the customer.

[0010]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a simplified block diagram showing the device configuration of the embodiment. In the figure, reference numeral 1 is a control unit, which controls a card handling unit, a cash handling unit, a display unit and an input unit, which will be described later, of the automatic transaction device to function.

A card handling unit 2 receives and reads a customer's card under the control of the control unit 1, and sends the read information to the control unit 1 for processing. If necessary, the card may be written, and after the processing is completed, the card is returned to the customer. A cash handling unit 3 can take out a specified amount of cash under the control of the control unit 1 and deliver it to the customer. The cash inserted by the customer may be taken in so that the counting can be performed.

Reference numeral 4 denotes a display unit, which is composed of, for example, a CRT or a liquid crystal display, and is for displaying and transmitting information from the control unit 1 to the customer. 5 is an input section,
If the touch panel is a transparent touch panel, for example, it is installed on the display unit 4 so that the customer can display it on the display unit 4.
This operation can be recognized and transmitted to the control unit 1 by having the corresponding portion pushed according to the display.

Reference numeral 6 is a host computer, which manages personal identification numbers, account balances, and other information necessary for transactions. By communicating with the host computer 6, the automatic transaction device can recognize the validity of the personal identification number and whether or not the designated amount of money can be paid. In addition, the information about the transaction performed by the automatic transaction device is notified to the host computer 6 and managed.

FIG. 2 is a flow chart of the embodiment, and the operation of the embodiment will be described below step by step. Sa1: The customer specifies the transaction for payment by the input unit 5 according to the information displayed on the display unit 4. This is done, for example, by pressing the payment button, which is the input unit 5, or by pressing the relevant portion of the touch panel.

Sa2: The customer inserts the card into the card handling section 2 according to the guidance displayed on the display section 4 in order to prove his / her identity. The card handling unit 2 takes in the card, reads it, and sends the read information to the control unit 1. Sa3: The customer inputs the personal identification number from the input unit 5 according to the guidance displayed on the display unit 4, and the input unit 5 sends the information of the personal identification number to the control unit 1.

The control unit 1 judges whether or not this personal identification number is correct. It communicates with the host computer 6 as needed. If the personal identification number is correct, the customer is considered to be the principal and the process proceeds. Sa4: Since the identity verification has been completed, the card handling section 2 returns the card here. It is advisable to confirm that the customer has received this card and proceed with the subsequent processing.

Sa5: The customer inputs the required amount of money from the input unit 5 according to the guidance displayed on the display unit 4.
The input unit 5 sends this input information to the control unit 1. The control unit 1 communicates with the host computer 6 as needed. Sa6: The cash handling unit 3 prepares and discharges a specified amount of money under the control of the control unit 1, and hands it to the customer,
At the same time, a detailed statement stating the contents of this transaction is issued and the transaction ends.

As described above, in the automatic transaction apparatus of the embodiment, the transaction processing flow is divided into the card and password confirmation portion of Sa2 to Sa4 and the cash payment portion of Sa5 and Sa6, so that the card is input. By receiving the card after the corresponding processing, such as receiving the card as soon as the password operation is completed and receiving the banknote after the specified amount of money, it is possible to prevent forgetting to take out media such as cash can do.

In the present embodiment, the communication with the host computer 6 is described as twice, but this takes into account that the validity data of the card is rewritten when the passwords do not match, after the password input and the amount input. It is decided to carry out the communication separately in the latter two times. If the host computer 6 holds and manages the validity data of the card, the communication with the host computer 6 will be performed after the amount of money is input. 1
It only has to be done.

Further, in the present embodiment, the payment to the customer is explained, but the present invention is not limited to the payment transaction, and the present invention is similarly applied to other transactions such as transfer. You can

[0021]

As described in detail above, in the automatic transaction apparatus of the present invention, the customer receives the card immediately after inputting the card and completing the password operation, and then receives the banknote according to the amount of money specified thereafter. Thus, by receiving the corresponding medium after the corresponding processing, it is possible to prevent forgetting to take out the medium such as cash.

[Brief description of drawings]

FIG. 1 is a simplified block diagram showing a device configuration of an embodiment.

FIG. 2 is a flowchart of an example.

FIG. 3 is a flowchart of a conventional example.

[Explanation of symbols]

 1 control unit 2 card handling unit 3 cash handling unit 4 display unit 5 input unit 6 host computer

Claims (1)

[Claims] 1. A display unit for displaying transaction information to a customer,
An input unit that receives input from the customer, a card handling unit that accepts and processes a card, a cash handling unit that handles cash, and a control unit that controls the display unit, the input unit, the card handling unit, and the cash handling unit. In the automatic transaction device consisting of and, the control unit causes the card handling unit to eject the card after processing the card, subsequently requests the customer to input the amount of money, and the cash amount corresponding to the input is transferred from the cash handling unit. An automatic transaction device characterized by emitting detailed bills of this transaction as well as discharging.