JPH0887642A - Automatic transaction device - Google Patents

Abstract

PURPOSE: To improve convenience in the case of continuing the balance inquiry and the transaction of payment by displaying the information of the first displayed balance as well together with the amount input screen of the payment transaction when the transaction of payment is requested continuously to the display request of the balance inquiry. CONSTITUTION: When a card is inserted from a card slot 5 and a password number is inputted from the surface of the touch panel of a color CRT display part 9, the request of the balance inquiry is transmitted through a transmission control part to a host computer. When a transaction response telegraphic message containing the information of the balance is received from the host computer, the information of the balance is displayed on the color CRT display part 9. When the transaction of payment is continuously requested, a screen for calling the input of the identification number is displayed on the color CRT display part 9. When the identification number is inputted from the surface of the touchpanel, the amount of the payment transaction is inputted and confirmed. Thus, when the transaction of payment is requested continuously to the fancle inquiry, the information of the balance is displayed on the color CRT display part 9 as well together with the amount input screen to be used for the transaction of payment.

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 used in banks and the like, and more particularly to an automatic transaction apparatus having a function of displaying balance information on a screen.

[0002]

2. Description of the Related Art When withdrawing a deposit using an automated teller machine, it is very convenient to know what the balance of the account is. For example, the customer can determine the amount to withdraw so that the account balance is not exceeded if the customer knows the account balance. Conventionally, such balance information has been printed out on a statement sheet in response to a customer's request, but recently, the balance information is displayed on the screen to save the statement sheet. . After such a balance inquiry, payment transactions are also possible. That is, the customer can continuously perform the balance inquiry operation and the payment transaction operation on the screen.

[0003]

In such a payment transaction operation, since the amount input screen used for the payment transaction is only displayed on the screen, does the customer store the balance learned by the balance inquiry operation? , It is necessary to take notes.
Therefore, it may be more inconvenient than when the balance information was printed on the statement slip and output.

The present invention has been made to solve the above problems, and provides an automatic transaction apparatus with improved convenience when continuously performing a balance inquiry operation and a payment transaction operation on a screen. To aim.

[0005]

In order to solve such a problem, the invention according to claim 1 comprises a first display means for displaying balance information on a screen in response to a display request for balance inquiry.
When a payment transaction is requested subsequently to the balance inquiry display request, a second display means for displaying on the screen the amount information used for the payment transaction and the balance information displayed on the first display means. It is equipped with.

According to a second aspect of the present invention, there is a first display means for displaying balance information on the screen in response to a balance inquiry display request, and a payment transaction request following the balance inquiry display request. In addition to the amount input screen used for payment transactions, second display means for displaying the information on the balance displayed on the first display means on the screen, and the payment amount and the balance input from the amount input screen. And a means for urging the payment amount to be input again from the amount input screen when the payment amount is larger than the balance.

According to the third aspect of the invention, the first display means for displaying the balance information on the screen in response to the display request for the balance inquiry and whether or not a fee is required for the payment transaction are determined. If necessary, a calculation means for calculating the deduction amount by subtracting the commission from the balance, and when the payment transaction is requested subsequently to the display request for the balance inquiry, the amount input screen used for the payment transaction, together with the deduction amount. Second display means for displaying on the screen, comparing means for comparing the payment amount input from the amount input screen with the deduction amount, and when the payment amount is larger than the deduction amount,
And a means for urging the payment amount to be input again from the amount input screen.

According to a fourth aspect of the invention, the first display means for displaying the balance information on the screen in response to the display request for the balance inquiry and whether or not a fee is required for the payment transaction are determined. If necessary, a calculation means for calculating a deduction amount obtained by subtracting a commission from the balance, and when a payment transaction is requested subsequent to the display request for the balance inquiry, the amount input screen used for the payment transaction, together with the fee and Second display means for displaying the deduction amount on the screen, comparison means for comparing the payment amount input from the amount input screen with the deduction amount, and payment when the payment amount is larger than the deduction amount. And means for urging the user to input the amount again from the amount input screen.

[0009]

In the automatic transaction apparatus of the present invention, when a payment transaction request is issued subsequent to the balance inquiry display request, the balance information is displayed together with the amount input screen used for the payment transaction, so the customer You can enter the amount of the payment transaction while referring to the information. Therefore, it is not necessary to store the balance or make a memo or the like, and the convenience for the customer is improved. In addition, it compares the payment amount entered from the amount input screen with the balance and prompts you to enter the payment amount again when the payment amount is larger than the balance. Therefore, the data of the payment amount exceeding the balance is sent to the host computer. It will not be done. Therefore, it becomes possible to omit unnecessary transmission / reception of a telegram to / from the host computer and reduce transmission failures. Furthermore, by comparing the balance with the payment amount including the fee, the customer convenience will be further improved.

[0010]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is an external perspective view of an automatic transaction device according to an embodiment of the present invention.

In the automatic transaction apparatus 1 shown in FIG. 1, a substantially L-shaped operation portion 3 is formed on the front surface of a housing 2. The vertical operation unit 3a of the operation unit 3 is provided with a passbook insertion slot 4, a card insertion slot 5 and a slip issuing slot 6. Operation part 3
The horizontal operation unit 3b is provided with a deposit / withdrawal port 7 as a bill receiving unit that serves as both a depositing port and a dispensing port. The deposit / withdrawal port 7 is provided with a door 8 that can be opened and closed. Also,
The horizontal operation part 3b has a color C with a built-in touch sensor.
An RT display unit 9 is provided. The color CRT display unit 9 guides the customer by displaying operation procedures and other information in illustration characters or words, and
In response to the display, the customer presses a display portion such as a personal identification number, an amount of money, an account number, transaction approval, confirmation or cancellation, and the operation is performed.

In the case 2, a passbook printing section (described later) is provided for receiving the passbook inserted from the passbook insertion port 4, reading and recording the magnetic information thereof, and printing the transaction contents. ing. Further, in the housing 2, there are housed an deposit / withdrawal unit 12 having functions such as deposit / return of forgotten banknotes, forgotten collection, loading, and scrutiny, and an internal monitor 13 for staff to monitor the inside of the apparatus. There is.

FIG. 2 is a functional block diagram showing the structure of this automatic transaction apparatus.

The main control unit 14 shown in the figure controls the operations of the above-mentioned deposit / withdrawal unit 12, the internal monitor 13 and the passbook printing unit 15, and at the same time controls the operations of the respective units shown below.

The magnetic card read section 16 receives the card inserted through the card insertion slot 5 and receives account information such as a personal identification number and an account number from the magnetic stripe section on the card. The coin depositing / dispensing unit 17 accepts coins inserted in a coin insertion slot (not shown) and dispenses a designated amount of coins to a coin receipt slot (not shown). The customer service unit 18 has the color CRT display unit 9 described above, and realizes the above-described display and input operations. The voice guidance unit 19 provides voice guidance to the customer through a speaker (not shown). The storage unit 21 temporarily stores necessary data. The transmission control unit 22 controls data transmission with the host computer (center) that manages the transaction of deposit and withdrawal of the automatic transaction device 1. The floppy disk 23 stores various data. The clock unit 24 generates data of the current time. The power supply unit 25 supplies power to each unit. The remote monitor 26 is used by an employee to monitor the inside of the apparatus from the outside.

Next, in the automatic transaction apparatus 1 configured as described above, the operation when the balance inquiry operation and the payment transaction operation are continuously performed will be described based on the flowchart shown in FIG.

First, when a balance inquiry request is made from the touch panel of the color CRT display unit 9 (step 30).
1), a screen prompting the insertion of a card is displayed on the color CRT display section 9.

When a card is inserted from the card insertion slot 5 (step 302), a screen prompting the user to enter a personal identification number is displayed on the color CRT display section 9.

When the personal identification number is input from the touch panel of the color CRT display section 9 (step 303), a balance inquiry request is transmitted to the host computer via the transmission control section 22 (step 304).

When the transaction response message including the balance information is received from the host computer via the transmission control unit 22 (step 305), the balance information is displayed on the color CRT display unit 9 (step 306).

When a payment transaction request is subsequently issued from the touch panel of the color CRT display unit 9 (step 30)
7), a screen prompting the user to input a personal identification number is displayed on the color CRT display section 9.

When the personal identification number is input from the touch panel of the color CRT display unit 9 (step 308), the payment transaction amount input processing and confirmation processing are performed (step 309).

The operation of this payment transaction amount input processing and confirmation processing will be described with reference to the flowchart shown in FIG.

First, as shown in FIG. 5, together with an amount input screen used for payment transactions, information on the balance at the time of balance inquiry is displayed on the color CRT display section 9 (step 401).
In addition, when a commission is required for other bank transactions, overtime transactions, etc., the balance is deducted from the commission as shown in Fig. 6, and the deduction amount is calculated. The balance information, the fee and the deduction amount are displayed on the color CRT display unit 9.

Next, when the customer inputs a payment amount from the amount input screen used for payment transaction on the touch panel of the color CRT display unit 9 (step 402), whether the payment amount is an amount payable by this automatic transaction device or not. Is determined (step 403). When the input payment amount is an amount that can be paid by this automatic transaction device, it is determined whether a fee is required (step 404).

Here, when the fee is not required, the input payment amount is compared with the balance, and when the fee is required, the input payment amount is compared with the deduction amount.

When the input payment amount is less than the balance or the input payment amount is less than or equal to the deduction amount, the process shifts to a process described later (steps 405, 40).
6) When the input payment amount exceeds the balance, or when the input payment amount exceeds the above-mentioned deduction amount or when the payment amount exceeds the amount payable by this automatic transaction device, that is, the automatic transaction device can pay Amount> Desired amount of payment entered by the customer> Balance or payable amount of automated transaction device> Desired amount of payment entered by the customer> Balance-For the fee, a display prompting you to enter the amount of payment again from the amount input screen is displayed on the color CRT. This is performed on the display unit 9 (step 407).

When the input payment amount is less than or equal to the balance or the input payment amount is less than or equal to the deduction amount, that is, when the payable payment amount is input, the host computer is transmitted to the host computer via the transmission control unit 22. And a transaction request message is transmitted (step 310).

Then, when a transaction response message is received from the host computer via the transmission control unit 22 (step 3
11) The card is ejected from the card insertion slot 5 and the statement slip is ejected from the slip issuing slot 6 (step 31).
2).

Finally, the bills for payment are discharged from the deposit / withdrawal port 7 and a series of processing is completed (step 313).

Thus, in the automatic transaction device of this embodiment,
When a payment transaction is requested subsequently to the balance inquiry display request, the balance information is displayed on the color CRT display section 9 together with the amount input screen used for the payment transaction. The amount of payment transaction can be entered by using the amount input screen while referring to the information of the balance displayed in.

Further, a comparison is made between the payment amount input from the amount input screen on the color CRT display unit 9 and the balance, and when the payment amount is larger than the balance, a display prompting the user to input the payment amount again is displayed. As described above, the payment amount data exceeding the balance will not be transmitted to the host computer.

Furthermore, by checking the comparison between the balance and the payment amount including the fee, it is possible to further improve the convenience of the customer.

[0035]

As described above, according to the automatic transaction apparatus of the present invention, the customer can input the amount of the payment transaction while referring to the information of the balance, so that the balance can be stored, It is not necessary to take notes and the convenience for the customer is improved. Further, since the data of the payment amount exceeding the balance is not transmitted to the host computer, it is possible to omit the unnecessary transmission and reception of a telegram with the host computer, and the transmission failure can be reduced. Further, by comparing the balance with the payment amount including the fee, it is possible to further improve the customer convenience.

[Brief description of drawings]

FIG. 1 is an external perspective view of an automatic transaction device according to an embodiment of the present invention.

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

FIG. 3 is a flowchart showing an operation when a balance inquiry operation and a payment transaction operation are continuously performed in the automatic transaction device according to the embodiment of the present invention.

FIG. 4 is a flowchart showing an operation of a payment transaction amount input process and a confirmation process shown in FIG.

FIG. 5 is a screen display example according to an embodiment of the present invention.

FIG. 6 is a screen display example according to an embodiment of the present invention.

[Explanation of symbols]

 1 ... Automatic transaction device 5 ... Card insertion slot 6 ... Voucher issuing slot 7 ... Deposit / withdrawal slot 9 ... Color CRT display section 22 ... Transmission control section

Claims (4)

[Claims] 1. A first display means for displaying balance information on a screen in response to a balance inquiry display request, and a payment transaction when a payment transaction request is issued subsequently to the balance inquiry display request. An automatic transaction apparatus comprising: an amount input screen to be used; and second display means for displaying information on the balance displayed on the first display means on the screen. 2. A first display means for displaying balance information on a screen in response to a balance inquiry display request, and a payment transaction when a payment transaction request is issued subsequently to the balance inquiry display request. Second display means for displaying on the screen the information on the balance displayed on the first display means together with the amount input screen to be used, and comparison means for comparing the payment amount input from the amount input screen with the balance. And, when the payment amount is larger than the balance, means for urging the payment amount to be input again from the amount input screen. 3. A first display means for displaying balance information on a screen in response to a balance inquiry display request and whether or not a fee is required for payment transactions. When a payment transaction is requested subsequent to the balance inquiry display request, a calculation means for calculating the deduction amount obtained by subtracting the commission from the balance and the amount input screen used for the payment transaction and the deduction amount are displayed on the screen. Second display means, comparing means for comparing the payment amount input from the amount input screen with the deduction amount, and when the payment amount is larger than the deduction amount, the payment amount is input again from the amount input screen An automatic transaction device, comprising: 4. A first display means for displaying balance information on a screen in response to a balance inquiry display request, and whether or not a fee is required for payment transactions. A calculation means for calculating the deduction amount by subtracting the commission from the balance, and when there is a request for a payment transaction subsequent to the display request for the balance inquiry, the amount input screen used for the payment transaction and the fee and the deduction amount are displayed on the screen. Second display means for displaying the payment amount, comparison means for comparing the payment amount input from the amount input screen with the deduction amount, and when the payment amount is larger than the deduction amount, the payment amount is displayed on the amount input screen. An automatic transaction device comprising means for urging the user to input again.