JPH09115034A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently provide information for a user, to relax the boring feeling of the user during waiting time in processing and to improve the service. SOLUTION: A main control part 11 judges whether the last transaction and this transaction are performed by the same user or not from the detect signal of a customer sensor 40 or the read result due to a magnetic card reader part 12 or a magnetic bandbook reader part 13, for example. When these transaction are performed by the same user, during waiting time in processing, a display part displays information for the user different from the time of the last transaction.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device used for various transactions in financial institutions.

[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 such an automatic transaction device, a display device such as a color CRT display device is configured to display an operation procedure, an input amount of money, and other information to the user by characters, wording, illustrations and the like. Things are known.

In the automatic transaction device, for example,
It takes a certain amount of time to perform processing such as communication processing with a center that centrally manages information related to each account, cash withdrawal processing at the time of withdrawal, cash counting processing at the time of deposit, and entry processing into a passbook.

Therefore, during such processing, a so-called waiting time is imposed on the user, which simply waits until the processing is completed without performing any operation. Therefore, during such a waiting time, information about various users, such as sales messages for soliciting time deposits and soliciting the use of automatic withdrawal of public utility charges, etc., is advertised to users. It is performed to display information for use.

[0006]

However, even in the conventional automated teller machine as described above, the information is provided to the user more efficiently, and the waiting time during the processing is reduced to the user. Needless to say, it is required to improve services without giving a feeling of boredom.

The present invention has been made in response to such a conventional situation. It is possible to provide information to a user more efficiently than before, and the user can wait for a waiting time during processing. The object of the present invention is to provide an automatic transaction device that can alleviate boredom and improve services.

[0008]

[Means for Solving the Problems] That is, an automatic transaction apparatus according to claim 1 is an input means for a user to input a desired transaction, and a transaction execution means for executing the transaction input by the input means. And a display means for displaying user-oriented information during a waiting time during execution of the transaction by the transaction execution means, and a determination means for determining whether or not the current transaction is by the same user as the previous transaction. According to the determination result by the determination means, if the current transaction is performed by the same user as the previous transaction, the control means causes the display means to display the user information different from the previous transaction. Is provided.

According to another aspect of the present invention, there is provided an automatic transaction apparatus, wherein an input means for a user to input a desired transaction, and a transaction execution means for executing the transaction input by the input means.
During the waiting time during the execution of the transaction by the transaction executing means,
From the display means for displaying the information for the user, the detection means for detecting the presence or absence of the user, and the detection result of the detection means, it is determined whether or not the current transaction is by the same user as the previous transaction. According to the determination means and the determination result by the determination means, if the current transaction is by the same user as the previous transaction, the display means displays different information for the user from the previous transaction. Means and means are provided.

The automatic transaction apparatus according to claim 3 is the automatic transaction apparatus according to claim 2, wherein the determination means is based on the detection result of the detection means and the user continues between the previous transaction and the current transaction. If not detected, it is determined that they are not the same user.

According to another aspect of the present invention, in an automatic transaction apparatus, an input means for a user to input a desired transaction, and a transaction execution means for executing the transaction input by the input means.
During the waiting time during the execution of the transaction by the transaction executing means,
Display means for displaying information for users, reading means for accepting a recording medium on which customer information for executing the transaction is recorded, and reading the customer information from the recording medium, and the reading means read by the reading means. Based on the customer information, this transaction is performed by the same user as the previous transaction according to the determination means for determining whether or not this transaction is by the same user as the previous transaction and the determination result by the determination means. In this case, the display means is provided with a control means for displaying the user information different from the previous transaction.

According to another aspect of the present invention, there is provided an automatic transaction apparatus, wherein an input means for a user to input a desired transaction, and a transaction execution means for executing the transaction input by the input means.
During the waiting time during the execution of the transaction by the transaction executing means,
From the display means for displaying the information for the user, the detection means for detecting the presence or absence of the user, and the detection result of the detection means, it is determined whether or not the current transaction is by the same user as the previous transaction. From the first determination means, the reading means for receiving the recording medium in which the customer information for executing the transaction is recorded, and reading the customer information from the recording medium, and the customer information read by the reading means, This transaction is the same as the previous transaction in the second determination means for determining whether or not this transaction is by the same user as the previous transaction and at least one of the first and second determination means. When it is determined that the information is for the user, the display means is provided with control means for displaying the information for the user different from that at the time of the previous transaction.

The automatic transaction device according to claim 6 is the transaction device according to claim 1.
5 is characterized in that the user-oriented information is advertising information.

In the automatic transaction device of the present invention having the above-mentioned structure, when the user continuously performs a plurality of transactions using the same automatic transaction device, different advertising information is provided during the waiting time during processing. Etc. are displayed.

Therefore, as compared with the conventional method in which the same information is displayed every time, the information can be efficiently provided to the user, and different information is displayed, so that the process being performed is different. The boredom of the user during the waiting time can be alleviated, and the service can be improved.

[0016]

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

FIG. 1 shows the appearance of the automatic transaction apparatus according to this embodiment.

A substantially L-shaped operation portion 2 is formed on the front surface of the casing 1 of the automatic transaction device. On the horizontal surface of the operation unit 2, there is provided a bill slot 3 for receiving a large number of bills in a batch and receiving the discharged bills at a time. Is provided.

On the horizontal surface of the operation section 2, a color CRT display section 5 having a transparent touch sensor panel on the display surface is provided.
Is provided. On the color CRT display unit 5, operation procedures, input items, and other information are displayed by characters, words, illustrations, and the like. When the user touches the display part according to the displayed contents, such as the PIN, the amount, the account number, the approval, confirmation or cancellation of the transaction with a finger, the touch sensor (not shown) detects the instruction, and will be described later. A corresponding signal is output to the main control unit 11. In other words, color CR
The T display unit 5 guides various information and is used for key operation.

For example, at the time of transfer transaction, the phrase "Please press the first letter of the transfer destination financial institution name in the Japanese syllabary below" is displayed, and the katakana key for inputting the transfer destination financial institution name is displayed. Is to be done. Then, the contents and the display are changed every time the operation of the machine or the state of the step changes.

On the vertical surface of the operation unit 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 a passbook slot 7 for similarly accepting a magnetic passbook or a transfer card as a transaction medium. There are provided a coin slot 8 into which a large number of coins can be inserted at once, a coin receiving slot 9 into which discharged coins are collectively received, and a staff key insertion portion 30 into which a staff key is inserted.

A customer sensor 40 is provided below the operation portion 2 and on the front surface of the housing 1. The customer sensor 40 is an infrared sensor, an ultrasonic sensor, or the like, and detects that the user is in front of the automated teller machine. It can be determined that there is a user when the customer sensor 40 is on, and no user when the customer sensor 40 is off. That is, by monitoring the customer sensor 40, the change of the user can be monitored.

FIG. 2 schematically shows the internal structure of the automatic transaction apparatus shown in FIG.

In the case 1 of the automatic transaction apparatus, the main control section 11 for controlling the whole and the card inserted from the card slot 6 are received, and the personal identification number and the account number are inputted from the magnetic stripe section on the card. From the magnetic card reader unit 12 for reading account information, the clerk key receiving unit 24 for receiving the clerk key inserted in the clerk key inserting unit 30, the detection circuit 42 for detecting the output of the customer sensor 40, and the passbook opening 7 A magnetic passbook lead portion 13 for reading the magnetic stripe portion of the inserted passbook and recording transaction details on the passbook or journal paper, and a bill of a specified amount for receiving the bill inserted in the bill slot 3 and the bill slot 3 The coin depositing / dispensing unit 14 to be dispensed to and the coin of the specified amount received by the recipient of the coin inserted into the coin inlet 8
And a coin depositing / dispensing unit 15 for dispensing the coins.
The main control unit 11 is provided with a timer 11a for determining an operation timeout.

Further, in the case 1 of the automatic transaction apparatus, a customer service unit 16 constituted by the color CRT display section 5, a voice guidance unit 17 for giving voice guidance to a user by a speaker (not shown), and a staff member. Internal monitor 1
8, a floppy disk 19, a transmission control unit 20 for controlling data transmission between the main control unit 11 and a host computer (center), a power supply unit 21, information of an interrupted transaction, etc. are recorded. And a memory 23.

The host computer 26 is connected to the transmission control unit 20, and the host computer 2
The memory 6 stores information such as suspended transactions. Further, the main control section 11 is connected to an external remote monitor 22 for a staff member, and is connected to a remote monitoring device (not shown) via the remote monitor 22.

Next, the operation of this automatic transaction apparatus having the above-mentioned structure will be described with reference to FIG.

When there is no user and the customer sensor 40 is off, the display screen of the color CRT display section 5 is also off. Then, when the user stands in front of the casing 1 of the automatic transaction device and the customer sensor 40 is turned on (101), the main control unit 11 activates the color CRT display unit 5 to display the customer waiting screen, that is, The available transactions are displayed and a screen for the user to select a desired transaction from these is displayed (102).

When a transaction is selected by the user (103), the main control unit 11 then determines whether or not the customer sensor 40 has been turned off once between the transaction performed last time. (104).

As a result of the above judgment, if the customer sensor 40 is once turned off during the previous transaction, the process selected according to the predetermined process program is executed and the waiting time between the processes is waited for. , A normal sales message is displayed on the color CRT display unit 5 (1
05).

On the other hand, as a result of the above judgment, if the customer sensor 40 is not turned off once between the last transaction and the transaction, the selected process is executed according to the predetermined processing program and During the waiting time, the color CRT display unit 5 displays a sales message different from that at the time of the previous transaction (106).

That is, in the above-mentioned automatic transaction apparatus, when the transactions are not the same user's consecutive transactions, for example, a sales message for soliciting a fixed deposit is displayed, and in the case of the same user's consecutive transactions, that is, the previous transaction. If the user who made the transaction is the same as the user who made the transaction this time, a sales that encourages the use of automatic withdrawal of utility charges etc. during the second transaction, which is different from the first transaction. Messages etc. are displayed. Therefore, information can be provided to the user more efficiently than before, and different information can be displayed to reduce the user's feeling of boredom during the waiting time during processing. ,
Service can be improved.

Next, the operation according to another embodiment will be described with reference to FIG.

Also in this example, when there is no user and the customer sensor 40 is off, the color CRT is used.
The display screen of the display unit 5 is also off. Then, when the user stands in front of the casing 1 of the automated teller machine and the customer sensor 40 is turned on (201), the main controller 1
1 activates the color CRT display unit 5 to display a customer wait screen,
That is, the available transactions are displayed and a screen for the user to select a desired transaction from these is displayed (202).

Then, when a transaction is selected by the user (203), the user who has made the previous transaction and the user who has made the transaction this time are the same by the main control unit 11. It is determined whether or not (204). It should be noted that this determination is made by comparing the user's account number (or account holder) read by the magnetic card reader unit 12 or the magnetic passbook reading unit 13.

As a result of the above judgment, in the case of transactions by different users, the processing selected according to a predetermined processing program is executed, and during the waiting time between the processings, the color CRT display unit 5 displays the normal sales. A message is displayed (205).

On the other hand, as a result of the above judgment, when the user of the previous transaction and the user of the current transaction are the same, the selected process is executed according to the predetermined processing program, and the waiting time between the processes is The color CRT display unit 5 displays a sales message different from that at the time of the previous transaction (206).

When the transaction processing is completed, the account number (or holder of the account) of the bankbook or card that has been traded this time is stored (207), and the processing from step 201 is repeated.

As described above, not the detection signal of the customer sensor 40 but the customer information read by the magnetic card reader unit 12 or the magnetic passbook reading unit 13, that is, the user's account number or account holder is compared. By doing so, it is possible to determine whether or not the transactions are by the same user.

Further, both the detection signal of the customer sensor 40 and the customer information read by the magnetic card reader unit 12 or the magnetic passbook reading unit 13 are used to determine whether the transaction is performed by the same user. You can also

In this case, if the judgment result by either information indicates the same user, it is finally judged as the transaction by the same use, so that, for example, the same user is different. Even when a passbook or the like is used, or when the user once moves out of the detection range of the customer sensor 40, it is possible to more accurately determine whether or not the users are the same.

In the above example, the case where the sales message is displayed has been described, but it goes without saying that, for example, information for other users may be displayed for the purpose of improving the service to the user. Is.

[0043]

As described above, according to the automatic transaction device of the present invention, information can be provided to the user more efficiently than before, and the user can wait during the waiting time. It is possible to reduce the feeling of boredom and improve the service.

[Brief description of the 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 for explaining the operation of the automatic transaction device shown in FIG. 1.

[Explanation of symbols]

 1 Case 2 Operation part 3 Banknote port 4 Door 5 Color CRT display part 6 Card port 7 Passbook port 8 Coin slot 9 Coin receiving port 30 Staff key insertion part 40 Customer sensor

Claims (6)

[Claims] 1. An input unit for a user to input a desired transaction, a transaction execution unit which is input by the input unit and executes the transaction, and a waiting time during execution of the transaction by the transaction execution unit. ,
A display means for displaying information for users, a judging means for judging whether or not this transaction is by the same user as the previous transaction, and a transaction for this time based on the judgment result by the judging means. In the case of the same user as the transaction, the automatic transaction device is provided with a control means for displaying the user information different from the previous transaction on the display means. 2. An input unit for a user to input a desired transaction, a transaction execution unit which is input by the input unit and executes the transaction, and a waiting time during execution of the transaction by the transaction execution unit. ,
A display means for displaying information for users, a detection means for detecting the presence or absence of a user, and a detection result of the detection means to determine whether or not the current transaction is by the same user as the previous transaction. If the current transaction is performed by the same user as the previous transaction according to the determination means and the determination result by the determination means, the display means displays the user information different from the previous transaction. An automatic transaction device comprising means. 3. The automatic transaction device according to claim 2, wherein the determination means does not continuously detect the user between the previous transaction and the current transaction based on the detection result of the detection means. An automatic transaction device characterized by determining that the users are not the same. 4. An input unit for a user to input a desired transaction, a transaction executing unit which is input by the input unit and executes the transaction, and a waiting time during execution of the transaction by the transaction executing unit. ,
Display means for displaying information for users, reading means for receiving a recording medium on which customer information for executing the transaction is recorded, and reading the customer information from the recording medium, and the reading means read by the reading means. Based on the customer information, the determination means for determining whether or not the current transaction is by the same user as the previous transaction, and the current transaction by the same user as the previous transaction according to the determination result by the determination means. In this case, the automatic transaction device further comprises a control means for displaying the information for the user, which is different from that at the time of the previous transaction, on the display means. 5. An input unit for a user to input a desired transaction, a transaction executing unit which is input by the input unit and executes the transaction, and a waiting time while the transaction is being executed by the transaction executing unit. ,
A display means for displaying information for users, a detection means for detecting the presence or absence of a user, and a detection result of the detection means to determine whether or not the current transaction is by the same user as the previous transaction. A first determining unit, a reading unit that receives a recording medium on which customer information for executing the transaction is recorded, and reads the customer information from the recording medium; and from the customer information read by the reading unit, The second transaction is the same as the previous transaction in the second determination means for determining whether or not the current transaction is by the same user as the previous transaction and at least one of the first and second determination means. When it is determined by the user, the automatic transaction apparatus further comprises control means for causing the display means to display the information for the user different from the previous transaction. 6. The automatic transaction apparatus according to claim 1, wherein the user-oriented information is advertising information.