JPH087004A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To permit a user to operate an automatic transaction device, to order the product of catalog sale and to simultaneously pay a price. CONSTITUTION:The user inputs product information by a product information input key 12, which are displayed on the input display part 3 of the automatic transaction device 1, reads the information from a product information file part 9, selects the desired product among the products displayed on the input display part 3, inputs the information of a person who requets the product, selects a price paying method by supplying cash or inserting a card (cash or account withdrawal), executes communication with a host station 11 by an interface part 8 and executes product purchase transaction. Thus, the effect of service ability improvement to the user is given. Furthermore, the effect that the extension of work in a financial institution can be executed is given.

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 which allows a user to operate a product by himself / herself to order merchandise such as catalog sales and pay the price.

[0002]

2. Description of the Related Art Heretofore, various multifunctional automatic transaction devices have been proposed. For example, in the apparatus described in Japanese Patent Laid-Open No. 165856/1993, manned products are ordered. Further, in the apparatus described in Japanese Patent Application Laid-Open No. 3-171393, an automatic transaction apparatus is used to transfer the payment. Further, in the device described in Japanese Patent Application Laid-Open No. 5-274338, when the prepaid card purchase is selected by the transaction selection means, the purchase of the prepaid card is confirmed based on the cash (banknote) or the cash card inserted by the customer. Judging whether or not it is possible, payments are made and prepaid cards are released. On the other hand, with the spread of catalog sales, the use of telephone orders and automatic debit payments is increasing for large-scale products that involve transportation operations.

[0003]

According to the above-mentioned conventional method, for large-scale products or multi-item purchases involving transportation work, after the product purchaser orders the product by telephone, etc., the payment is transferred to a specific financial institution, etc. And it was necessary to pay separately. In addition, the destination had to be specified by telephone when ordering the product. An object of the present invention is to provide an automatic transaction apparatus suitable for improving such problems and improving the quality of catalog sales service.

[0004]

In order to achieve the above object, an automatic transaction device of the present invention is provided with a commodity information for catalog sales, user information including user identification information and destination information,
And means for storing individual account information including the account number of the user (10, 11 in FIG. 1), transaction type selection including catalog sales, payment method selection at catalog sales, relevant product selection, and client information. When the means for receiving the input (3 in FIG. 1) and the catalog sale are selected, it is judged whether or not the product can be sold based on the information from the receiving means and the stored information, and the product can be sold. For example, it is characterized in that it is provided with a means (2 in FIG. 1) for displaying the contents of a commodity purchase transaction and performing transaction processing.

[0005]

In the present invention, the product information for catalog sales, the user information including the user identification information and the destination information, and the individual account information including the user's account number are stored in the host station or the automatic transaction device. The information is registered in the memory so that it can be updated, and by using these information and the information input by the user this time, it is possible to sell the catalog by the automatic transaction device. The user selects the product purchase transaction, inputs the client information (address, name, etc. or the member number registered in the product distributor) (or corrects the registered information) and selects the desired product. Purchase by inputting the product code, product name, etc. of the product or by selecting the desired product from the displayed products displayed from the product information file registered in the automatic transaction device. Determine the product. The payment for the purchased product is selected from withdrawal from the card account, cash payment, etc., and in the case of the account withdrawal, the personal identification number is entered after inserting the card. After that, central communication (inquiry) is performed, and after confirming the transaction contents etc. on the screen display etc., central communication (transaction execution) is performed again and the statement slip is printed and issued. In the case of cash payment, cash will be inserted after confirming the transaction details. Furthermore, by bringing the automatic transaction device of the financial institution, the product vendor, and the affiliated credit company online, it is possible to perform "credit payment" by card transaction that can be used together with a credit card. As described above, by inputting / registering product information, payment method, and other information using the automatic transaction device, it is possible to place an order for a desired product, specify an address, and pay the price at the same time.

[0006]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a configuration of an automatic transaction device according to an embodiment of the present invention, and FIG. 2 is a perspective view showing an appearance of the automatic transaction device according to the embodiment of the present invention. Reference numeral 1 is an automatic transaction device according to the present embodiment, which is installed in the main branch or station of the financial institution. Further, 2 is a control unit that controls the entire apparatus, 3 is a display input unit including a touch panel, a CRT, and the like,
4 is a card reading unit, 5 is a banknote depositing / dispensing unit, 6 is a coin depositing / dispensing unit, 7 is a passbook statement printing unit, 8 is an interface unit with an upper station, and 9 is for registering product information to be sold in a catalog. The merchandise information file unit 10 is a storage unit that stores the client information, the card reading information, and the like input by the purchaser, and these constitute the automatic transaction apparatus 1. Also, 11
Is a higher-level station that has means for storing customer information (account number, address, telephone number, etc.), vendor information, etc., and exchanges information with the automatic transaction apparatus 1 (collation processing, etc.).

Next, an automatic transaction method including catalog sales according to this embodiment will be described. FIG. 3 is a flowchart showing a commodity purchase transaction according to an embodiment of the present invention. First, the user (commercial purchaser) selects a key to purchase a product from the transaction name keys (for example, withdrawal, transfer, catalog sale, etc.) displayed on the display input unit 3 of the automatic transaction device 1. (Step 1). When the transaction is selected in this way, the control unit 2 prompts the display input unit 3 to input the client information (the delivery address of the product, the name, etc., or the member number registered in the product distributor). The display is made, and the user sees this and inputs the client information from the display input section 3 (step 2). When the input of the client information is completed, the control unit 2
Causes the display and input unit 3 to display a message that the payment method for the commodity price (debit, cash deposit, etc.) is to be selected, and the user looks at it and inputs the payment method from the display and input unit 3 (step 3). When the payment method is selected, the control unit 2
When the payment by direct debit is selected in step 3, the display input unit 3 is instructed to insert the card, the card reading unit 4 is instructed to inhale the card, and the user reads the card reading unit. When the card is inserted into the card 4, the card reader 4 reads the card and stores it in the memory 10 (step 4). When the storage is completed, the control unit 2 displays on the display input unit 3 that the personal identification number is to be input, and the user who sees it inputs the personal identification number from the display input unit 3 (step 5).

After completion of inputting the personal identification number in step 5, or when cash payment is selected in step 3, the control unit 2
Causes the display input unit 3 to display a message that the user selects a desired product. The input screen in this case is as shown in FIG. Here, the user inputs the product information input key 1 displayed on the display / input unit 3 such as the product code of the desired product to be purchased, such as the product code described in the catalog.
Enter 2 etc. The input data is displayed in the product information display area 13 of the display input unit 3. The product display key 14 is a key for shifting to a system (display product selection system) in which the product of this embodiment is displayed on the screen as a photograph or the like and the user looks at it and selects a desired product. When the product display key 14 is pressed, the display product selection system is moved to instead of the system (product information input system) for inputting information for identifying a product such as a product code (step 6). When the product display key 14 is pressed in step 6, the control unit 2
Reads the product display data and the like from the product information file unit 9 and causes the display input unit 3 to display the product display data and the like (step 7). The display screen in this case is as shown in FIG. Here, the user uses a part of the display area (product key 1) in which the desired product of the display input unit 3 is displayed.
By pressing 5), the desired product can be selected, and this is selected (step 8).

After product selection in step 8 or step 6
After completing the input of the product information, the control unit 2 edits necessary information such as the selected product information and the client information, and the interface unit 8 makes a transaction inquiry inquiry to the higher-level station 11 and receives the reply ( Step 9). The control unit 2 displays the contents of the product purchase transaction (the product name, the price, the product delivery date, etc.) and the confirmation of the contents on the display input unit 3 according to the response received in step 8, and the user sees this. Confirm the contents (step 10). When cash payment is selected in step 3, the control unit 2 causes the display input unit 3 to display an instruction to insert cash and activates the banknote deposit / withdrawal unit 5 and the coin deposit / withdrawal unit 6. Prompt the user to input cash, and when the cash is input, execute cash counting and the like (step 1
1). The control unit 2 confirms the content in step 10 in the case of direct debit payment, etc., and proceeds to step 11 in the case of cash payment.
After the cash is completed, necessary information such as product information and client information is edited, the interface unit 8 makes a transaction execution inquiry to the higher-level station 11, and receives a reply (step 12).
After receiving the transaction execution response message, the control unit 2 instructs the passbook statement slip printing unit 7 to issue the statement slip in which the transaction information is edited, and the display / input unit 3 displays that the statement slip is received and used. The transaction ends when the person receives the statement slip (step 13). The transaction for purchasing the product is executed as described above.

It is also possible to register user identification information and destination information in addition to individual account information (user's account number, address, etc.) in the higher-level station 11 and use this for transaction. For example, the destination information (client information) input in step 2 may be registered in the higher-level station 11 at the time of the first transaction, and from the next time, this content may be displayed and corrected first. Alternatively, for the destination information, an address registered in advance when the user's account is opened may be displayed and corrected. Alternatively, the user may specify registration / deletion of client information at the time of input. This is because, for example, when sending a gift, since the destination is often changed, only a commonly used one is registered. Furthermore, the credit company, the seller, and the financial institution may be brought online, and “credit payment” may be provided as an option of the payment method in step 3, for example. This is to deal with the case where the credit company has a card partnership with the financial institution. In this case, the types of credit cards that can be used that have been registered in advance as seller information are displayed, and both the credit company and the seller are notified online of transaction details, payment conditions, etc. during transaction processing. To control.

[0011]

According to the present invention, the user himself operates the automatic transaction device to specify the product (catalog product etc.) he / she wants to purchase, the destination, etc. and place an order, and at the same time, pay the price. As a result, there is an effect of improving user service. Further, there is an effect that the business of financial institutions can be expanded using the automatic transaction device.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an automatic transaction device according to an embodiment of the present invention.

FIG. 2 is a perspective view showing an appearance of an automatic transaction device according to an embodiment of the present invention.

FIG. 3 is a flow chart showing a commodity purchase transaction according to an embodiment of the present invention.

FIG. 4 is a diagram showing a product information input screen according to an embodiment of the present invention.

FIG. 5 is a diagram showing a display screen of a display product selection system according to an embodiment of the present invention.

[Explanation of symbols]

1: Automatic transaction device, 2: Control unit, 3: Display input unit, 4:
Card reading unit, 5: banknote deposit / withdrawal unit, 6: coin deposit / withdrawal unit,
7: Passbook statement printing unit, 8: Interface unit, 9: Product information file unit, 10: Storage unit, 11: Upper station, 1
2: Product information input key, 13: Product information display area, 1
4: Product display selection key, 15: Product key

Claims (1)

[Claims] 1. An automatic transaction apparatus having display / input means for depositing / withdrawing cash using a medium including a passbook and a card, including use of target product information for catalog sales, user identification information and destination information. Person information and means for storing individual account information including the account number of the user, transaction type selection including catalog sales, payment method selection at catalog sales,
When the product selection and the means for receiving the client information input and the catalog sales are selected, it is possible to sell by judging whether or not the product can be sold based on the information from the receiving means and the stored information. If so, an automatic transaction device comprising: means for displaying transaction details of product purchase and performing transaction processing.