JPH08305927A - Automatic transaction device and transaction system - Google Patents

Abstract

PURPOSE: To display or print information appealing visually to a customer about a money payment state and other transaction transition information in a short time by using a list, etc., by graphically displaying a state of monthly or yearly transition on a display part or printing it after confirming inputted password number. CONSTITUTION: After the customer inserts a transaction medium and inputs a password number through an operation part 3, a control part 8 displays a guidance classified by transaction kinds at the display part 2. When the customer selects graphic display collation, various display items are displayed on a next screen. Then, when the customer selects a specific display item successively, a control part 8 sends a corresponding preset item code to a central processor 10 through center communication processing together with the inputted password number. The control part 8 receives integrated information, etc., from the central processor 10, and visualizes the integrated information by using a table or graph only when it is confirmed that the password number is normally inputted, thereby graphically displaying the information on the display part 2 or printing it by a print part.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to transaction accumulation information of an automatic transaction apparatus including an automatic transaction apparatus (hereinafter referred to as ATM) and an automatic payment apparatus (hereinafter referred to as CD), that is, various kinds of information performed by individual customers. The present invention relates to an inquiry of aggregated transaction information for a specific period related to a transaction, and particularly to an automatic transaction device and a transaction system suitable for improving practicality and serviceability for customers.

[0002]

2. Description of the Related Art In recent years, with the spread of automatic transaction devices, the execution of various transactions by using transaction cards (hereinafter referred to as cards) is rapidly increasing. Generally, with card transactions, it is not necessary to carry out bookkeeping, so customers cannot know past transaction history.Even if the balance of the savings account is zero, especially with a large fixed deposit as collateral, By using a comprehensive account system that can automatically withdraw cash with a loan, and by using cashing transactions, you can relatively easily pay out cash, so withdrawal operations are easy. The current situation.

[0003]

In order to know the transaction history by the automatic transaction apparatus, it is sufficient to execute the bookkeeping process, but not only the bookkeeping process takes time, but the customer must always carry a passbook. And when the customer needed information on the withdrawal status, he could not respond promptly enough. Furthermore, when trying to inspect the above transaction history, the bookkeeping content is printed by a list of letters and numbers and is difficult to see visually.For example, comparing with the withdrawal status of the last month or the previous year, When comparing how the withdrawal situation was, it was necessary to turn over the page of the corresponding passbook and verify it by the customer himself while looking at the printed contents, which caused a problem such as verification taking a long time. It was In view of the above problems, an object of the present invention is to display or print information that visually appeals to a customer in a short time in addition to the withdrawal status, using a list or graph such as other transaction transition information. The purpose of the present invention is to provide an automatic transaction device and a transaction system which are excellent in practicality and serviceability.

[0004]

Means for solving the above problems are set forth in the appended claims. That is, the present invention provides a display unit and a printing unit capable of graphic display or printing, an operation unit for selecting and inputting information to be displayed on the display unit or the printing unit, and the display request information in a central processing unit described later. A control unit that transmits, a central processing unit that monitors the transaction accumulation information stored in the personal transaction information area for each transaction and updates and stores it as necessary, and a transaction based on the display request information transmitted from the control unit A means for extracting only the accumulated information and returning it to the control unit,
The control unit is an automatic transaction apparatus and a transaction system, which issues a control command to graphically display or print a status, which changes at least every month or year, upon confirmation of a password input on the display unit.

[0005]

With the above configuration, the customer inserts the transaction medium,
After inputting the personal identification number from the operation unit, the control unit guides the graphic display inquiry to the display unit in the transaction type guidance, and when the customer selects the graphic display inquiry from the operation unit, various display items are displayed on the next screen. It When the customer subsequently selects a specific display item, the control unit performs central communication processing to display the preset corresponding display item code together with the input personal identification number in the central processing unit (hereinafter referred to as the center).
Send to. Since the center has previously updated and stored various accumulated information in the customer personal transaction information area for each transaction, only the accumulated information corresponding to the display item code is extracted together with other transaction information and transmitted to the control unit on the device side. To do. The control unit receives this accumulated information and other transaction information and stores it in the storage unit,
Only when the input of the personal identification number is normally confirmed, the accumulated information is converted into visual information by a table or a graph, and is displayed graphically on the display unit or printed on the printing unit.

[0006]

The present invention is applicable to various automated teller machines, but when applied to an automated teller machine (CD) having a large number of installed machines, one embodiment thereof will be described with reference to FIGS. 1 to 7. Detailed description. FIG. 1 is a control block diagram showing a control configuration of a CD according to the present invention. In FIG. 1, 1 is a CD
The apparatus main body 2 is a display unit on which a key for performing an input operation and an instruction for input guidance is displayed on the screen. The display unit 2 touches an illustration key displayed on a screen called a touch panel on which a CRT or liquid crystal is formed, and blocks the light beam to identify and detect the cut-off site, and input information by touching the finger. Is provided with an operation unit 3 composed of a touch screen for transmitting in place of an electric signal. 4 is a magnetic card not shown
A card read / write unit for carrying a transaction medium such as a card, reading and writing stored contents, and a printing unit 5 for printing various information, specifically, a slip issuing unit for printing and issuing detailed slips. . A cash handling unit 6 is composed of a cash discharging unit and discharges a designated number of banknotes when a transaction is completed.
Reference numeral 7 is a power supply unit that supplies necessary power to each unit of the CD 1. 8
The control unit controls each of the above components. Control unit 8
A storage unit 9 for storing necessary data, a central processing unit 10, and a line control unit 11 for transmitting and receiving transaction information are provided therein. The storage unit 9 includes a ROM that stores a so-called control program such as a control procedure and control constants of the CD 1, and a RAM that can read and write various flags and areas during the control process. The control such as starting and stopping of each unit is performed based on the control program. Further, although not shown, a voice guidance unit for providing guidance by voice is provided.

An embodiment of the present invention having the above construction will be described in detail with reference to the operation flow chart shown in FIG. S20: Indicates the start of operation. S21: Card data is read and stored by the customer inserting the card. S22: A guide for inputting the personal identification number is displayed on the display unit 2, and the personal identification number is input by the customer. S23: Transaction type guidance is displayed on the display unit 2. In the present embodiment, in addition to the conventional transaction item, a transaction display of "graphical display inquiry" shown in FIG. 4 is newly performed. The "graphic display inquiry" may be another word such as "visual display inquiry" and is not limited to this embodiment. S24: A transaction is selected by the customer. The control unit 8 stores this transaction type in a transaction type information area, which is a specific area (not shown) in the storage unit 9, using a code set in advance corresponding to the transaction type. S25: Various transactions are judged, and each transaction branches to the selected transaction. The details of each transaction other than the above-mentioned “graphic display inquiry” and payment transaction are conventionally known techniques, and a description thereof will be omitted.

The operation of the "graphic display inquiry" which is a feature of the present invention will be described. S26: When the customer presses the "graphical display inquiry" key, the menu of the items that can be displayed graphically on the apparatus shown in FIG. 5 is displayed as the next screen so that the customer can select a plurality of desired display items. Has become. In this embodiment, the maximum number of items is three, but the number of items is not limited. The type of display items and the setting of the number of selections are not limited to the display item screens of the present embodiment, and it is possible to select in consideration of the serviceability, by investigating customer requests in advance, including the intentions of financial institutions. Needless to say. When the number of selection items becomes plural and cannot be displayed on one screen, it is displayed on a plurality of screens. As will be described later, the display information corresponds to each display item, specifically each display item code, and data is accumulated in advance in the customer personal transaction information area on the center side and stored as various accumulated information. . Needless to say, the above data can be accumulated not only on the center side but also on the automatic transaction device side.

S27: The customer presses the key of the desired display item. When the key is pressed, it is possible to identify it by reversing the brightness of the key and displaying the color. If the key input is incorrect, press the cancel key. After the first key input, the time is monitored until the second key is input, and when the predetermined time is exceeded, only the first key input is determined. 1 if the confirmation key is pressed after the first input
It is judged as input only once. When inputting twice, it waits while pressing down the confirmation key. When it times out, it is determined that the input is performed twice. The same control as above is performed when there are three display items. When the confirmation key is pressed, the control unit 8 causes the storage unit 9 to store the display item code (specific details, illustration is omitted) set in advance in correspondence with the pressed display item. S28: In this embodiment, since another transaction, for example, a payment transaction described later, also flows in, the operation flow diagram of FIG. 2 shows whether the central communication processing described in the subsequent steps has already been performed. To be judged. The judgment is made by judging the flag of the software. S29: The control unit 8 performs a so-called central communication process of transmitting the stored display item code, the personal identification number, and other information necessary for the transaction to the center 10 via the line control unit 11. In the center 10, only the integrated information corresponding to the display item code is extracted and transmitted together with other transaction information necessary for the transaction to the control unit 8 on the device side via the line control unit 11, and the control unit 8 outputs these information. The information is received and stored in the storage unit 9.

S30: The personal identification number entered by the customer and the personal identification number registered in the center 10 and transmitted from the center 10 are checked. S31: If the passwords do not match, the process shifts to the conventionally known process of inputting a password and the password is input again. S32: If the passwords match and it is determined to be normal, the control unit 8
Is a feature of the present invention, that is, a process of converting the integrated information transmitted from the center 10 into a graphic form, that is, an edit process for displaying numerical data, which is display information accumulated at the center, in a graph. Graphic conversion is a technology related to software found in personal computers and the like. Then, in order to display it on the display unit 2 after conversion, processing such as adding a display word prepared for each display item is also performed. S33: The display unit 2 displays a graphic corresponding to the display item as shown in FIG. FIG. 6 shows S26 and S2.
This is a display example when “monthly withdrawal status” is designated in 7. When there are a plurality of display items, the display of the requested display item can be viewed by pressing the next page or previous page key shown on the screen. Then, the number of display items is displayed on the screen. For example, when three display items are designated, "3" is displayed. By pressing the next page key, the display item number is changed to "2", and the customer can know the remaining number of screens including the current screen.

S34: It is determined whether the confirmation key has been pressed. Therefore, the display of the screen is skipped to S33 and continued unless the customer presses the confirmation key. S34A: After the confirmation key is pressed, it is determined that the verification of the display this time is completed, and a guidance display is provided to continue displaying other display items for the graphic display. S34B: It is determined whether the confirmation key has been pressed. In the case of the confirmation key, the process proceeds to S26, and the graphic display can be continuously performed for other display items. In the case of the cancel key, it is determined that there is no graphic display request, and the process proceeds to S35. S35: It is determined whether the inflow is from a payment transaction described below. Specifically, whether or not the transaction designated by the customer in S24 is a payment transaction is determined by the code in the transaction type information area. S36: If it is not a payment transaction, the display shifts from the “monthly withdrawal status” display in the embodiment, and a guidance display as to whether or not to continue other transactions is displayed. This guides the user to press the "confirm" key when continuing other transactions, or press the "cancel" key when ending only the monthly withdrawal status display without continuing.

S37: When the confirmation key is pressed, the process proceeds to S23, and another transaction can be continued, and a series of transactions is controlled by pressing the end key.

S38: When the cancel key is pressed, only the inquiry of the withdrawal status described above is completed and the card is returned to the customer. S39: In order to deal with the next customer, initialization processing such as memory clear and reset, so-called initial setting processing is performed. S40: The transaction designated by the customer ends. Although not shown, it is needless to say that the control unit 8 may activate the central communication process thereafter as needed. S41: In the middle of the payment transaction, which will be described later, after the monthly withdrawal status is displayed, a guidance display is displayed as to whether or not to continue the payment transaction. S42: It is determined whether or not the confirmation or cancellation key is pressed by the customer. S43 to S45: When the confirmation key is pressed, balance check, cash release, statement printing / release of known technology are performed, and when the cancel key is pressed, this step is skipped and payment transaction is performed. Absent. After that, the process proceeds to S36, and another transaction is controlled so that it can be continuously performed again.

Next, another embodiment in which the above-mentioned monthly payment status display can be executed in the payment transaction shown in FIG. 3 will be described. Although various display items of the present invention can be displayed and applied in various transactions in CD and ATM, only the operation when applied to payment transactions will be described here, and the others will be described in each transaction. It is possible only by changing a part of the control. When "payment transaction" is selected in steps S23 and S24 of FIG. 2, the process proceeds to (D) shown in FIG. 3, and after step S51, the payment transaction, which is an embodiment of the present invention, is executed. . S51: The withdrawal amount is input by the operation of the operation unit 3 by the customer. In case of incorrect input of the amount, it is possible to press the correction key and input again. S52: The control unit displays the amount of money input by the customer on the display unit. If there is no mistake in the input amount of money, "confirmation" and "cancel" keys are displayed to guide the approval. Then, it is determined whether or not the confirmation key is pressed. When the cancel key is pressed, the process proceeds to S23 and the payment transaction ends. S53: When the confirmation key is pressed, the withdrawal status display guidance is given. Although the withdrawal status display here displays a general monthly transition in the embodiment, it goes without saying that it is not limited to the embodiment.

S54: It is determined whether or not the customer presses the confirmation or cancellation key. S55: When the confirmation key is pressed, the display item code of the withdrawal status display is stored in the storage unit 9 by the control unit 8.
When the cancel key is pressed in S54, the display item code remains 00 because nothing is stored because it is skipped. S56: The control unit 8 performs a so-called central communication in which the personal identification number input by the customer, the input amount, and other information necessary for the transaction are transmitted to the center 10 via the line control unit 11. Of course, the display item code is also information that is unconditionally transmitted, and when the display item code is not 00, the center 10 corresponds to various display item codes in the customer personal transaction information area and pre-registers for each transaction. Only the accumulated information corresponding to the display item code transmitted from the control unit 8 is extracted from the various accumulated information that has been updated and stored, and together with other transaction information necessary for the customer's transaction, via the line control unit 11. The information is transmitted to the control unit 8 on the device side, and the control unit 8 receives the information and stores it in the storage unit 9. Display item code is 00
It goes without saying that, in the case of, the integrated information is not transmitted from the center 10. S57: A collation check between the personal identification number input by the customer and the personal identification number registered in the center 10 and transmitted from the center 10 is performed. S58: If the secret codes do not match, the process proceeds to the conventionally known secret code input error process and the secret code is input again, but the description thereof will be omitted.

S59: If the passwords match and are normal, the control unit 8 determines whether or not there is a monthly withdrawal status display request. This is possible by judging the display item code. If the display item code is 00, there is no request, and the process proceeds to S43 described above and the original payment transaction is executed. S60: When there is a monthly withdrawal status display request, the display information is edited so that the transmitted accumulated information is displayed graphically. S61: The monthly withdrawal status is displayed. At this time, the graph corresponding to the amount of money input this time may be displayed as a broken line or by color to display a state in which the withdrawal has not actually been made, or a method of not displaying the amount of this time input at all may be used. The specifications can be arbitrarily determined by the financial institution within the software technical range. S62: As described above, the above display is continued until the confirmation key is pressed, and the customer can verify the withdrawal status. From the standpoint of improving the operating rate of the device, the time until the confirmation key is pressed is monitored (same as in S34), and when the time-out occurs, the CRT display is used to automatically terminate the display and move to the next step. Controlled by. When the confirmation key is pressed, it is determined that the verification of the customer regarding the display screen this time is completed, and the above-mentioned S34
It is controlled so that the process proceeds to step A and the other items can be continuously displayed on the graphic display again.

In the embodiment shown in FIG. 3, a particular one of the payment transactions in which only the monthly withdrawal status display is prioritized is described. However, in order to return to S26 in the step of S53,
When the control is changed, the customer can freely select various display items, and it is possible to provide a highly practical device. Further, in the present embodiment, the withdrawal status display guidance is controlled to be performed after the amount input operation, but it goes without saying that it may be configured to be performed prior to the amount input operation. Further, in this embodiment, the central communication is activated for each display item request, but at the time of the first request,
It is conceivable that the center collectively transmits the integrated information of all the display items to the control unit so that the customer can select the display. In addition, a display condition can be entered by the customer in an interactive manner, for example, by inputting a display period, it is possible to display only that period, or
It is also possible to specify a plurality of years and months and to configure a customer-specific graphic display.

As an example, as shown in FIG. 5, the monthly withdrawal status showing the monthly withdrawal total amount, the monthly withdrawal status showing the monthly withdrawal total amount, and the monthly balance status showing the monthly balance transition,
Monthly account transfer status showing changes in total amount of monthly account transfer,
However, the basic control concept of the present invention is the same, and a detailed control flow diagram will be omitted. As another embodiment of the present invention, various transitions by year, transition of loan amount, transition of fixed deposit amount, transition of accumulated fixed deposit amount, transition of public utility transfer amount, transition of salary transfer amount, and other various transitions are displayed or printed. However, it is possible to apply it to all of the accumulated information that can be displayed graphically by changing year, month, and day. further,
It goes without saying that the present invention can be applied not only to data that changes over time but also to data that can be displayed graphically as fixed single data. In the above embodiment,
Not only line graphs but also bar graphs, pie graphs, and other visual display methods can be used to display graphs.
It is possible to apply a wide variety of applications such as display of a wider variety of colors and line types, which are not limited to the embodiments. As a feature of the visual display in the present invention, in connection with the monthly withdrawal status display shown in FIG. 6, by simultaneously displaying the withdrawal information of the same month of the previous year, the withdrawal status of the current year can be changed. It is also possible to make it possible to verify immediately in comparison with the results of the same month. As a result, it is possible to increase the customer's sense of awareness of the economic plan that accompanies the withdrawal, and it is possible to make a proposal with excellent practicability.

As shown in FIG. 6, the one that displays or prints the transition data accompanying the actual transaction from the past to the present time has been presented, but as an application example of the present invention, the accumulated information accumulated in the past is displayed. Based on this, the control unit of the center, which does not show the trend information of future transactions, selects a corresponding pattern from various trend information prediction procedure patterns stored in advance, and based on this, creates forecast transition information, and the customer By storing it in the personal transaction information area at any time, it is possible to graphically display or print the forecast transition information until the description specified by the customer or after the date specified by the customer. it can. For example,
Providing the effect of visually grasping the transition of the forecast cumulative amount of time deposits and accumulated deposits after 3 months, 6 months, 1 year, 2 years, etc. in consideration of the interest rate. You can Since these are personal information of the customer to the last, it is natural that the display is made according to the result of normal confirmation of the customer's input personal identification number. But,
With the dedicated device described later, it is possible to visualize public trend information such as changes in deposit interest rates and stock price changes that do not perform PIN code input and matching, and provide services corresponding to the intended use of the target customer. It can be applied to a special purpose machine and put into practical use.

The above embodiments have been described with respect to examples applicable to a CD (or ATM), but can be realized as an automatic machine dedicated to providing this kind of service or an automatic machine combined with a bookkeeping machine. Is. In this case, the cash handling unit 6 shown in FIG. 1 is removed. With such a configuration of the automatic machine, it is possible to solve the problem that a CD user who has a high usage rate occupies the CD for a long time. Furthermore, by using an IC card as the card, it is possible to accumulate customer's integrated information in the memory of the IC card and provide a service using the information. As a result, the memory load on the center 10 and the cost can be reduced. By applying a predetermined protection when the information is taken out from the IC card, it is possible to prevent the information from leaking out from the financial institution side. Fig. 7 shows a control block diagram using the above-mentioned dedicated machine for reference.
Various transaction media such as the ordinary transaction card, passbook, and IC card shown in the embodiment can be used, and the mechanism section also has a passbook read / write function, a passbook handling section capable of printing, and an IC card read / write function. It is characterized in that an IC card handling section for carrying out is attached, and there is no difference in control method, operation, etc. from the CD described in the embodiment at the technical level, and a special explanation as a dedicated machine is omitted except for the above. It shall be.

The configuration, sequence, control method, control code, explanation word, guide wording of the display section, transaction type, display item type, quantity and wording, of the operation flow diagram described in this embodiment,
It is needless to say that the present invention is not limited to the display contents, display format, display means, etc. of the screen, and various application examples and modified examples can be considered without departing from the scope of the present invention. For example, in the operation flow chart, the customer is informed of whether or not to print the contents of the graphic display screen, and if desired, by printing the same graphic as the screen on a single form or statement sheet. It is also possible to adopt a configuration in which the customer can select.

[0022]

As a result of implementing the present invention, when a customer executes a transaction, various transaction transition information in the past and other necessary information are visualized using a table or a graph to meet the customer's request. Accordingly, by displaying or printing out in a short time, it is possible to provide an automatic transaction device and a transaction system excellent in practicality and serviceability.

[Brief description of drawings]

FIG. 1 is a control block diagram showing a control configuration of a CD according to the present invention.

FIG. 2 is a flowchart showing an embodiment of the control operation of the CD according to the present invention.

FIG. 3 is a flowchart showing an embodiment of the control operation of the CD according to the present invention.

FIG. 4 is a diagram showing an example of contents displayed on the display unit in the flowchart of FIG.

5 is a diagram showing an example of contents displayed on the display unit in the flowchart of FIG.

FIG. 6 is a diagram showing an example of display contents of the display unit in the flowchart of FIG.

FIG. 7 is a control block diagram of an embodiment showing a control configuration of a dedicated machine according to the present invention.

[Explanation of symbols]

1 ... Automatic cash dispenser (CD) 2 ... Display unit 3 ... Operation unit 8 ... Control unit 9 ... Storage unit 10 ... Central processing unit (center) 11 ... Line control unit

Claims (4)

[Claims] 1. A display unit and a printing unit capable of displaying graphics or printing, an operation unit for selecting and inputting information to be displayed on the display unit or the printing unit, and transmitting the display request information to a central processing unit described later. A central processing unit that monitors the transaction accumulation information stored in the personal transaction information area for each transaction and updates and stores it as necessary, and a transaction accumulation based on the display request information transmitted from the control unit. It has a means for extracting only information and returning it to the control unit, and the control unit controls the display unit to graphically display or print the status changing at least every month or year by confirming the password input. An automatic transaction device and transaction system characterized by issuing an instruction. 2. The automatic transaction apparatus and transaction system according to claim 1, wherein the graphic display is a transition at least every month and is controlled to be displayed or printed in comparison with the previous year. 3. The automatic transaction device and transaction system according to claim 1, wherein the graphic display is controlled so that it can be continuously displayed even in the middle of a transaction. 4. The graphic display predicts future transaction information from past transaction accumulation information, and controls the display unit or the printing unit to display or print the prediction information. 1. The automatic transaction device and transaction system according to 1.