JPH0877273A - Automatic transaction device - Google Patents

Abstract

PURPOSE: To improve the utilization efficiency by displaying input items for inquiring information regarding financial instruments as input items on a display screen. CONSTITUTION: A screen where possible transaction items are listed is displayed on a CRT display device and when a key of 'interest inquiry' is selected among those transaction items, an interest inquiry process is performed. Bankbook insertion is prompted through the CRT display device and by a speech guidance and a bankbook is inserted. Then an interest message transmitting and receiving process is performed with a host computer through a communication line to receive the interest, deposit period, etc., of the financial instruments such as a time deposit, and a screen for interest and period selection is displayed. When an interest key is selected, an account and cash selecting process is performed and when a deposit key is selected, the insertion of cash is prompted and a cash insertion process is performed. When an account withdrawal is selected, a card inserting process, a password input process, and an amount input process are performed in order.

Description

Detailed Description of the Invention

[0001]

The present invention relates to a financial institution, etc.
The present invention relates to an automatic transaction device used for various transactions.

[0002]

2. Description of the Related Art Conventionally, automatic transaction devices have been used for withdrawing and depositing or depositing deposits at financial institutions. In addition, recently, a time deposit transaction is also performed by such an automatic transaction device.

Generally, in the case of a fixed deposit, the interest rate differs depending on the deposit period and the amount, and the interest rate also fluctuates. Therefore, it is necessary to present the interest rate corresponding to the deposit period and amount to the user in the time deposit transaction.

In the automatic transaction apparatus, such a method of obtaining such interest rate information from the center when the automatic transaction apparatus is opened (at the start of operation) and the interest rate information according to the deposit amount for each transaction are referred to the center. There is a way to get. Considering future expandability, the method of inquiring information to the center for each transaction has many advantages such as terminal load, work amount when system is changed, and real-time information can be obtained, and thus this method is becoming mainstream. However, with this method, communication processing with the center is required at least twice, when interest rates are inquired and when transactions are executed.

There are also two types of customer operations.
One is a method in which a deposit amount is input before the interest rate inquiry with the center, an interest rate inquiry is performed based on this amount, and a period and an interest rate are selected, and then cash is inserted. Also,
In another method, in the case of cash deposit, the deposit amount input process is omitted, cash is inserted before the interest rate inquiry with the center, and the interest rate inquiry is made to the center by the counted amount.
According to this latter method, the transaction time can be shortened, so this method is often used. However, this method also has a problem that the interest rate information can be obtained only after the cash input process.

[0006]

As described above, in the prior art, at the time of the time deposit transaction by the automatic transaction device, the transaction is not started unless the user starts the transaction and performs the deposit amount input process or the cash deposit process. There was a problem that information about financial products such as deposit period and interest rate could not be obtained.

Therefore, the user must start the time deposit transaction without knowing the interest rate, and as a result, the user will be hesitant to perform the time deposit transaction by the automatic transaction device, and the automatic transaction device will be utilized. There were problems such as not being done.

The present invention has been made in consideration of such conventional circumstances, and provides an automatic transaction apparatus capable of improving operability in transactions and improving utilization efficiency as compared with conventional cases. It is what

[0009]

That is, an automatic transaction apparatus according to the present invention according to claim 1 is a display means for displaying an input item on a display screen and an input means for selectively inputting the desired input item. An automatic transaction apparatus comprising: and a processing means for executing a transaction based on the input information by the input means, wherein the display means is for inquiring about interest rate information as an input item on the display screen. It is characterized in that an input item is displayed, and when the input item is selected, the processing means is configured to display the information regarding the interest rate of the tradable financial instrument on the display means.

The automatic transaction apparatus of the present invention according to claim 2 is
An automatic transaction device comprising display means for displaying an input item on a display screen, input means for selectively inputting the desired input item, and processing means for executing a transaction on the basis of information input by the input means. And the display means is
An input item for inquiring information about interest rates is displayed as an input item on the display screen, and when this input item is selected, the processing means displays the type of financial instrument that can be traded, its period and interest rate. When it is displayed on the display means and one of these financial products is selected by the input means, the transaction processing of the selected financial product is executed.

The automatic transaction apparatus of the present invention according to claim 3 is
An automatic transaction device comprising display means for displaying an input item on a display screen, input means for selectively inputting the desired input item, and processing means for executing a transaction on the basis of information input by the input means. And the display means is
An input item for inquiring information about interest rates is displayed as an input item on the display screen, and when this input item is selected, the processing means executes a communication process to perform a transaction from the host computer. It is characterized in that it is configured to receive information on the interest rate of a product and display the received information on the display means.

The automatic transaction apparatus of the present invention according to claim 4 is
An automatic transaction device comprising display means for displaying an input item on a display screen, input means for selectively inputting the desired input item, and processing means for executing a transaction on the basis of information input by the input means. And the display means is
An input item for inquiring information about interest rates is displayed as an input item on the display screen, and when this input item is selected, the processing means executes a communication process to perform a transaction from the host computer. Information on the interest rate of a commodity is received, the type of financial instrument that can be traded, the period and the interest rate are displayed on the display means according to the received information, and one of these financial instruments is selected by the input means. Then, the transaction processing of the selected financial product is performed.

[0013]

In the automatic transaction device according to the first to fourth aspects of the present invention, the input item for inquiring information on financial products is displayed as an input item on the display screen, so that the user can feel free to use the financial information. It is possible to make inquiries about information on products, and to conduct time deposit transactions, etc. after recognizing the interest rate, period, etc. of financial products.

Therefore, it is possible to improve the utilization efficiency of fixed deposit transactions and the like in the automatic transaction device.

Further, in the automatic transaction device according to claims 2 and 4, after the inquiry about the information on the financial product, the transaction can be continuously executed by selecting the desired financial product, so that the operability is further improved. Can be improved.

Further, in the automatic transaction device according to claims 3 and 4, since the communication processing is executed and the information on the financial instruments that can be traded is received from the host computer every time the inquiry about the information on the financial instruments is performed, real-time information is obtained. It is possible to present the information, and it is possible to reduce the load on the terminal and the work amount when the system is changed.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows the appearance of an automatic transaction apparatus (for example, an automatic teller machine) according to this embodiment. In the figure, a substantially L-shaped customer service operating portion 2 is formed on the front surface of a housing 1. On the horizontal surface of the customer service operating section 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 has an openable door 4 Is provided.

A color CRT display device 5 having a transparent touch sensor panel on the display surface is provided on the horizontal surface of the customer service operating section 2. The CRT display device 5 displays operation procedures, input items, and other information on the screen by characters, wording, illustrations, or image information to guide the user and input items, numbers, katakana, alphabets, confirmation and cancellation. By touching the part of the touch sensor panel corresponding to the display of characters with a finger, desired information can be input.

On the other hand, on the vertical surface of the customer service operating section 2, a card slot 6 for accepting a magnetic card as a transaction medium in which a personal identification number, an account number, etc. are recorded, and similarly a magnetic passbook or a transfer card as a transaction medium are accepted. Passbook slot 7, receipt slot 8 for ejecting printed receipts (details), coin slot 9 for receiving a large number of coins at once, coin receiving slot 10 for receiving ejected coins at once, staff members operate An attendant key 11 and the like are provided.

FIG. 2 shows the configuration of the above-mentioned automatic transaction device, which includes a card reader unit 21, a receipt printer unit 22, a passbook printer unit 23, a banknote deposit / withdrawal unit 24, a coin deposit / withdrawal unit 25, and a customer service unit 26. Voice guidance unit 27, internal monitor 28, storage unit 29, floppy disk device 30, transmission control unit 3
1, a main control unit 32, a power supply unit 33, and the like.

The card reader unit 21 has a card slot 6
Read the account information such as personal identification number and account number from the magnetic stripe of the magnetic card received from.

The lacit printer unit 22 issues a receipt (specification) on which the transaction details are printed, and ejects it from the receipt port 8.

The passbook printer unit 23 reads data from or writes data to the magnetic stripe of the passbook received from the passbook opening 7, and prints transaction contents on the passbook and recording journal paper as necessary. I do. In addition, the transfer card is issued by recording the transfer information of the transfer transaction on the original note of the transfer card, and it is ejected from the passbook slot 7 or against the magnetic stripe of the transfer card received from the passbook slot 7. Read or write data.

The banknote depositing / dispensing unit 24 discriminates and counts the banknotes collectively inserted into the banknote slot 3, and stores the banknotes. When necessary, the banknote depositing / dispensing unit 24 takes out a predetermined number of banknotes stored in a safe in advance. Pay out collectively from mouth 3.

The coin deposit / withdrawal unit 25 has a coin slot 9
The coins that have been collectively thrown into the coin are discriminated, counted, and stored, and if necessary, a predetermined number of coins stored in the safe in advance are taken out and the coins are received from the coin receiving port 10 collectively.

The customer service unit 26 is composed of the CRT display device 5 and the touch sensor panel described above. The voice guidance unit 27 provides voice guidance for user operation.

The internal monitor 28 notifies a person in charge of operating the apparatus of the state of the apparatus and inputs an operation instruction by the person in charge.

The storage unit 29 stores a financial institution name and its code, a branch name and table data including the code, and the like.

The floppy disk device 30 stores a program of processing procedures relating to the operation of this device, and
It records various kinds of information used for transactions and transactions, records the operating status of this device, and stores special information set unique to this device.

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.

The main controller 32 refers to the program information in the floppy disk device 30 and refers to each unit 21.
~ 27, internal monitor 28, storage unit 29, and transmission control unit 31 are controlled to perform a predetermined transaction operation. In addition, a remaining amount diagnosis (check) of various media (banknotes, coins, receipt paper, journal paper, transfer card, etc.) is performed, and operation diagnosis (check) of each of the units 21 to 27 is performed.

A remote monitor 34 can be connected to the main control section 32 as needed to monitor from a distance.
The remote monitor 34 is controlled by the main control unit 32 and displays almost the same information as the internal monitor 28, and when an abnormality occurs in this device, it also notifies by using a sounding means such as a buzzer.

Next, the interest rate inquiry processing in the automatic transaction apparatus of this embodiment having the above-mentioned configuration will be described with reference to FIG.

The customer service unit 26, as the item selection screen for selecting the transaction item that the user intends to carry out when the user starts using the present apparatus, is a transaction that can be conducted as shown in FIG. A screen listing the items is displayed on the display screen of the CRT display device 5. Then, when the "interest rate inquiry" key is selected from these transaction items (10
1), interest rate inquiry processing is executed as follows.

That is, first, the CRT display device 5 and the voice guidance prompt the insertion of a passbook, and the passbook insertion for accepting the passbook is executed (102).

Thereafter, the interest rate telegram transmission / reception process with the host computer of the center is performed via the communication line to receive information such as interest rates and deposit periods of financial products such as time deposits (103), which is shown in FIG. A screen for selecting such interest rate / period is displayed (104).

Then, in the screen as shown in FIG.
When the end key is selected, the medium (passbook) ejection process is executed, the passbook is returned, and the process is terminated (114).

On the other hand, when the product key (interest rate key) is selected on the screen as shown in FIG. 5, next, an account for prompting the user to select whether to deposit in cash or withdraw from the account. Cash selection processing is performed (105).

When cash is selected, a cash insertion process is performed which prompts the insertion of cash and counts the inserted cash (106). On the other hand, when debit is selected, a card insertion process (107) is performed. ), PIN input processing (10
8) The amount input process (109) is sequentially executed.

Then, the interest type selection process is performed according to the amount of cash actually inserted or the amount to be debited input by the amount input process (1
10) Next, after performing transaction content confirmation processing (111) for presenting transaction content and requesting confirmation from the user, transaction message transmission / reception processing with the host computer of the center is performed (11).
2).

Thereafter, a passbook printing process for printing the transaction contents on the passbook is performed (113), and thereafter, the medium ejecting process is executed to return the passbook (114), and the process ends.

As described above, in the automatic transaction apparatus of this embodiment, the transaction item of "interest rate inquiry" is displayed on the item selection screen for the user to select the transaction item to be executed. A person can easily obtain information about interest rates of financial products such as time deposits, and after recognizing this information, time deposit transactions and the like can be executed.

Therefore, for example, even if the user is uncertain whether or not to deposit into the time deposit, by selecting the transaction item of "interest rate inquiry", information regarding the interest rate can be obtained, and Since there is no need to go to the counter to ask the staff for information such as interest rates, fixed deposit transactions and the like using the automatic transaction device can be actively carried out, and utilization efficiency can be improved.

Further, in this embodiment, since the time deposit transaction and the like can be continuously executed after the interest rate inquiry, the utilization efficiency can be further improved, and the interest rate telegram transmission / reception processing is performed every time the interest rate inquiry is made. By receiving information such as interest rates, it is possible to present information in real time, reduce terminal load, and reduce the amount of work when changing the system.

[0046]

As described above, according to the automatic transaction apparatus of the present invention, it is possible to improve the operability in the transaction as compared with the conventional one and to improve the utilization efficiency.

[Brief description of drawings]

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

FIG. 2 is a diagram showing a block configuration of the automatic transaction device shown in FIG.

FIG. 3 is a diagram for explaining the operation of the automatic transaction device shown in FIG. 1.

FIG. 4 is a diagram showing an example of a display screen of the automatic transaction device shown in FIG. 1.

5 is a diagram showing an example of a display screen of the automatic transaction device shown in FIG.

[Explanation of symbols]

 1 Case 2 Customer Service Section 3 Banknote Port 4 Door 5 Color CRT Display Device 6 Card Port 7 Passbook Port 8 Receipt Port 9 Coin Slot 10 Coin Receiving Port 11 Staff Key

Claims (4)

[Claims] 1. A display means for displaying an input item on a display screen, an input means for selectively inputting the desired input item, and a processing means for executing a transaction based on the input information by the input means. An automatic transaction device provided, wherein the display means displays an input item for inquiring information regarding interest rates as an input item on the display screen, and when the input item is selected, the processing means An automatic transaction device characterized by being configured to display information on interest rates of tradable financial products on the display means. 2. A display means for displaying an input item on a display screen, an input means for selectively inputting the desired input item, and a processing means for executing a transaction based on the input information by the input means. An automatic transaction device provided, wherein the display means displays an input item for inquiring information regarding interest rates as an input item on the display screen, and when the input item is selected, the processing means , Displaying the type of a tradable financial instrument, its period and interest rate on the display means, and when one of these financial instruments is selected by the input means, the transaction processing of the selected financial instrument is executed. An automatic transaction device characterized by being configured as described above. 3. A display means for displaying an input item on a display screen, an input means for selectively inputting the desired input item, and a processing means for executing a transaction based on the input information by the input means. An automatic transaction device provided, wherein the display means displays an input item for inquiring information regarding interest rates as an input item on the display screen, and when the input item is selected, the processing means An automatic transaction device configured to perform communication processing to receive information on interest rates of transactable financial products from a host computer and display the received information on the display means. 4. A display means for displaying an input item on a display screen, an input means for selectively inputting the desired input item, and a processing means for executing a transaction based on input information from the input means. An automatic transaction device provided, wherein the display means displays an input item for inquiring information regarding interest rates as an input item on the display screen, and when the input item is selected, the processing means Receiving the information on the interest rate of the tradable financial product from the host computer by executing the communication process, displaying the type of the tradable financial product, its period and the interest rate on the display means according to the received information, An automatic transaction device, characterized in that, when one of these financial instruments is selected by the input means, the transaction processing of the selected financial instrument is executed.