JPH0836665A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To provide an automatic teller machine which can confirm the detailed information on the increase/decrease of accounts covering the latest bankbook or card transaction through the present transaction without inquiring about the balance nor performing the entry of a bankbook previously. CONSTITUTION:A history request means 5 gives a request to a host computer 2 for the retransaction information on the accounts set after the mark setting position of a user information file 3. Then the means 5 writes the received information in an information area 11 to edit and display them by an output means 9. When a user confirms and inputs the display, the present transaction is carried out and the information on this transaction is added to the file 3 after the transaction data are processed. Then the mark position is updated to the present transaction, and the information on the present transaction is informed. This transaction information is added to the area 11 and the confirmation and input are urged for display of the information in the area 11. Then the display information is printed on a copy form after the transaction. Thus the user can confirm the detailed information on the accounts (such as the automatic transfer, automatic draw-out, etc.) on the increase/decrease of accounts without inquiring about the balance nor performing the entry of a bankbook and also with omission of the time and labor.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash transaction apparatus, and in particular, in a transaction in an automatic cash transaction apparatus of a financial institution, after confirming the contents of detailed transaction information of the user's previous passbook or card. The present invention relates to an automatic cash transaction apparatus which can make a transaction and obtain a copy of information from the time of the last passbook or card use up to this time even if a transaction is not used.

[0002]

2. Description of the Related Art With regard to transactions in a conventional automatic cash transaction apparatus installed in a general financial institution, in a transaction using only a card in an automatic cash transaction apparatus, only the contents of the transaction at the time of completion of the transaction. Is output on the user's waiting sheet printed with.

Further, in addition to the transactions made by the user, there are also automatic transactions such as automatic withdrawal and automatic transfer that are not carried out by the user. The exact number of current account balances may not be known if automatic transactions have been performed by then.

[0004] Further, if it is desired to know the balance before the transaction in the automatic cash transaction apparatus, it is necessary to perform a transaction such as deposit or withdrawal after performing a balance inquiry in advance, and it is troublesome to perform the operation twice. And it takes time.

[0005] Further, whether or not an automatic transaction has been correctly performed cannot be confirmed by a card-only transaction.

[0006] In addition, in the balance inquiry, only the current balance information can be obtained, and when it is desired to know the details of the increase or decrease in the account after the previous bookkeeping, bring the bankbook and carry out the bookkeeping or mail from the financial institution. The only option is to look at the usage report that lists the details of the non-bookkeeping information.

[0007] Further, even in the case where the user wants to know the balance after the transaction but does not need to output a user copy sheet, the user copy sheet on which the contents of the current transaction are printed is output.

Japanese Unexamined Patent Publication (Kokai) No. 3-25566 discloses that all unregistered data is displayed at the time of a transaction. However, there are many people who do business with a card. To do so takes time and is inefficient.

[0009]

In a transaction in a conventional automatic cash transaction apparatus, if the current accurate balance is not known unless a balance inquiry is made beforehand, it is necessary to confirm the balance before conducting a deposit / withdrawal transaction. Etc. were twice troublesome.

[0010] Further, the detailed transaction information of the account from the most recent account transaction by passbook or card may be carried by carrying a passbook or by listing details of non-bookkeeping information mailed from a financial institution. There was no choice but to check the usage report.

In addition, if all unrecorded data is displayed at the time of a transaction, there are many people who make a transaction using a card. At present, it is time-consuming and inefficient to display all the information that has been confirmed once for each transaction.

The present invention confirms the balance of the user's account and detailed transaction information from the previous transaction to the current transaction without performing the balance inquiry operation during the transaction in the automatic cash transaction apparatus. It can be done, and once the detailed information is confirmed, it will not be displayed from the next transaction, so it will not be a large amount of information, and this transaction information including the detailed information can be printed out if desired. By doing so, the use of the automatic cash transaction apparatus is improved.

[0013]

SUMMARY OF THE INVENTION An automatic cash transaction apparatus of the present invention is a host computer equipped with an information file containing all information of transactions after a bankbook entry transaction, and an automatic cash transaction for transmitting / receiving data to / from the host computer. In a computer system having an apparatus, a user requests transaction history from the host computer when using the automatic cash transaction apparatus and an input means for inputting transaction details, and detailed information in an information file from the host computer is displayed. History requesting means for receiving, an information area for storing detailed information received by the history requesting means, a transaction means for updating the detailed information stored in the information area, and transaction information stored in the information area History display means, output means for outputting each information and transaction information, and printing for printing the above information on the user copy sheet Comprising a stage, and an automatic cash transaction apparatus control device that controls the respective means.

Furthermore, in the automatic cash transaction apparatus of the present invention, in the transaction history display automatic cash transaction apparatus described in claim 1, the information file has a mark setting field of the user's account, and after the transaction processing It has means for updating the mark position, and includes displaying detailed information after the mark position in the information file when using the automatic cash transaction.

Furthermore, the automatic cash transaction apparatus according to the present invention is the automatic cash transaction apparatus according to claim 2,
Displaying the detailed information after the mark position in the information file and the current transaction information.

[0016]

Next, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing one embodiment of the present invention. In FIG. 1, this embodiment is a computer system including at least one automatic cash transaction apparatus 1 connected to a host computer 2 of a business center in each branch of a financial institution, and the host computer 2 is shown in FIG. User account transaction information column 31 and mark setting column 32 shown
The automatic cash transaction apparatus 1 is connected to a user information file 3 containing at least all the information of the transaction after the passbook bookkeeping transaction, and the automatic cash transaction apparatus 1 An input unit 8 for inputting transaction details and the like; a history requesting unit 5 for requesting a transaction history from the host computer 2 when using the automatic cash transaction apparatus and receiving detailed information from the host computer 2 onward from a mark position in an information file. An information area 11 for storing the detailed information received by the history requesting means 5;
Means for updating the detailed information stored in the information area, history display means 6 for editing the transaction information stored in the information area 11 into display data, and output means 9 for outputting each information and the edited transaction information. And a printing means 10 for printing information and the like on a user copy sheet, and an automatic cash transaction apparatus control device 12 for controlling the respective means.

When a user uses the automatic cash transaction apparatus of the present embodiment, the user firstly uses the automatic cash transaction apparatus 1
Of the current transaction (payment, withdrawal, transfer, etc.) is selected and input from the input means 8, and a password and the like are further input.

The automatic cash transaction device control unit 12 confirms that the personal identification number entered by the user is correct. When the control unit 12 confirms the password or the like, the history requesting unit 5 requests the host computer 2 via the communication control unit 4 for the data of the user information file for the user's account.

Upon receiving the request, the host computer 2 details the transaction information of the user's account from the user information file 3 shown in FIG. 2 to the end of the file from the position marked with "." (Automatic withdrawal, automatic transfer such as salary) is taken out and the information is transmitted to the communication control unit 4 of the automatic cash transaction apparatus 1.

The communication control unit 4 transmits the received detailed transaction information to the history requesting unit 5 via the automatic cash transaction device control unit 12.
To notify. The history request means 5 writes the notified detailed transaction information in the information area 11, and notifies the history display means 6 of a display notification. The history display means 6 which has received the notification displays the information area 11
The detailed transaction information is edited into display data and notified to the output means 9 for display.

Next, the user confirms the displayed information in the display information range before the transaction, and uses the input means 8 to input whether the processing of the user should be interrupted or continued. When the user inputs an interruption via the input means 8, the transaction this time is interrupted and ended. At this time, the mark position of the user information file 3 is not updated.

On the other hand, when the user confirms the displayed information in the display information range before the transaction and inputs the confirmation through the input means 8, the transaction proceeds to the current transaction.

The transaction means 7 informs the output means 9 of the data necessary for the contents of the transaction and an input prompt message and displays them. The user inputs data from the input means 8 and trades the data. Send to means 7. The transaction means 7 transmits the transaction data to the host computer 2 via the communication control unit 4 when all necessary data is input.

After performing the processing according to the transaction data, the host computer 2 adds the current transaction information to the user information file 3 and updates the information display start mark position 32a to the current transaction information position 32b.

Next, the host computer 2 sends the transaction information of this time to the communication control unit 4. The communication control unit 4 notifies the transaction means 7 of the received transaction information via the automatic cash transaction device control unit 12.

Upon receipt of the notification, the transaction means 7 judges the establishment of the transaction from the transaction information. If the transaction is established, the transaction information of this time is added to the information area 11, and the history display means 6 is notified of the completion of the transaction. .

The history display means 6 uses the output means 9 to display a message prompting the input of information and confirmation in the information area 11.

Next, when the user confirms the displayed information and the confirmation input is made by the user inputting means 8, the history displaying means 6 outputs a user copy sheet of the detailed transaction information in the information area 11. An input prompting message indicating whether or not is required is displayed and displayed on the output means 9.

When the user inputs from the input means 8 that it is not necessary to output the user copy sheet, the transaction ends there.

When the user inputs the necessity of outputting a user copy sheet from the input means 8, the history display means 6 uses the printing means 10 to display the detailed transaction information in the display information range after the transaction by the user. Print out on the copy paper and end the transaction.

A practical example is shown below. The operation flow is shown in FIG.

At present, in the automatic cash transaction apparatus 1, a user who has the contents of the user information file shown in FIG.

First, the user selects and inputs the type (payment) of the current transaction from the input means 8 of the automatic cash transaction apparatus (step 101).

Thereafter, the user inserts the card into the automatic teller machine 1 (step 102), and inputs a password through the input means 8 (step 103).

When the personal identification number is confirmed (step 10
4) The detailed transaction information of the user's account from the most recent transaction using the card by the user (information with the mark “•” set) to the present is sent from the host computer (step 105). ), The screen shown in FIG. 5 is displayed (step 106). When the user confirms the information displayed on the screen (FIG. 5) and inputs confirmation by using the input means 8 (step 107), the current transaction starts.

The user performs transaction contents (withdrawal amount of 10,000 yen) through the input means 8 (step 108).

After the transaction is established (step 109), the information after the transaction in which this transaction is added to the display information before the transaction is displayed with the amount of the card added as shown in FIG. 6 (step 110). . If the transaction has not been completed, a message indicating that the transaction has not been completed is output and the transaction ends (step 1).
11).

The user confirms the displayed information and inputs confirmation via the input means 8 (step 112).

The user takes out 10,000 yen of cash from the automatic cash transaction apparatus (step 113).

Thereafter, as shown in FIG. 7, a message for prompting the user to input the necessity of outputting the user information sheet of the display information is displayed (step 114).

When the user inputs necessary information through the input means 8, the user receipt sheet output from the automatic cash transaction apparatus is received and the transaction is completed (step 116). FIG. 8 shows an example of this copy. If the user inputs unnecessary information through the input means 8, the transaction ends there.

[0043]

As described above, according to the present invention, in the transaction in the automatic cash transaction apparatus, detailed information on the increase / decrease of the user's account from the most recent passbook or card use transaction to this transaction is displayed. , You can check without checking the balance or filling in the passbook in advance.

As a result, it has become possible to operate the automatic cash transaction device twice until now with a single operation.
Elimination of congestion at the time of congestion can be expected, and the labor of the user can be saved.

Further, according to the present invention, by visually displaying the details and balance confirmation after the transaction this time, it is expected that some people may not need the user copy sheet after the transaction, and the demand for the sheet may be reduced. Can be expected and will lead to the saving of paper resources.

[Brief description of drawings]

FIG. 1 is a block diagram showing one embodiment of the present invention.

FIG. 2 is a diagram showing a user information file according to an embodiment of the present invention.

FIG. 3 is an operation flow of an embodiment of the present invention.

FIG. 4 is a diagram showing contents of a user information file in one embodiment of the present invention.

FIG. 5 is a diagram showing a display screen before a transaction in one embodiment of the present invention.

FIG. 6 is a diagram showing a display screen after a transaction in an embodiment of the present invention.

FIG. 7 is a diagram showing a copy output presence / absence request screen according to an embodiment of the present invention.

FIG. 8 is a diagram showing a sheet on which copy contents are described in one embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic cash transaction apparatus 2 Host computer 3 User information file 4 Communication control section 5 History request means 6 History display means 7 Transaction means 8 Input means 9 Output means 10 Printing means 11 Information area 12 Automatic cash transaction apparatus control section

Claims (3)

[Claims] 1. A computer system comprising a host computer having an information file containing all information of transactions after a bankbook entry transaction, and an automatic cash transaction apparatus for transmitting and receiving data to and from the host computer, wherein a user makes transaction details. Input means for inputting, etc., history request means for requesting the transaction history to the host computer when using the automatic cash transaction apparatus, and receiving detailed information in the information file from the host computer, and the history request means for receiving the transaction history. An information area for storing detailed information, a transaction means for updating the detailed information stored in the information area, a history display means for editing the transaction information stored in the information area, each information and the edited transaction Output means for outputting information, printing means for printing the information and the like on a user copy sheet, and controlling each means And a dynamic cash transaction apparatus controller, after the content confirmation of detailed transaction information, the automatic cash transaction apparatus and performs a transaction. 2. The automatic cash transaction apparatus according to claim 1, wherein the information file has a transaction information column and a mark setting column of a user's account, and means for updating the mark position after transaction processing. An automatic cash transaction apparatus, which has detailed information after the mark position in the information file when the automatic cash transaction is used. 3. The automatic cash transaction apparatus according to claim 2, wherein detailed information after the mark position in the information file and current transaction information are displayed.