JPH09138878A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To permit a user to transmit not only the picture and the sound of the user but also image information which the user brings to a remote clerk in charge in a natural operation posture by providing a scanner means for reading a recording medium where individual information on the user is recorded near a service operation face. SOLUTION: A small video camera device 16 constituted by a CCD image pickup element and the like and a sound guide speaker 17 are provided between a paper money port 13 and a coin port 14, and a clerk key 18 for calling the clerk in charge is provided at the other end of an inclination face 12b. A rectangular panel 20 where a rectangular transparent touch panel 19 inputting prescribed information by bringing a finger to touch a surface is fitted is freely rotatably fitted on the horizontal face of a service operation part 12 with an axis along the side at a back-side as a center. A color liquid crystal display device is buried by making it face the lower face of the touch panel 19, and the scanner device 2 for reading the recording medium where individual information of the user is recorded is buried under the panel 20.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a face-to-face automatic operation device such as an automatic transaction device for automatically performing a currency transaction such as a deposit transaction and a withdrawal transaction by a user's operation in a financial institution.

[0002]

2. Description of the Related Art Recently, for example, automated teller machines such as automatic teller machines and automated teller machines have been remarkably spread in financial institutions such as banks, and nearly 70% of bank business operations are processed by the automated teller machines. It is up to. Therefore, what was originally a simple deposit and withdrawal transaction,
Business is expanding to more complex transactions such as transfer, transfer transaction, and utility bill collection transaction.

With the expansion of business as described above, the operation performed by the user is inevitably complicated and cannot be performed by the user alone. On the other hand, it is called an interactive automated teller machine (interactive ATM), and the operation proceeds while interacting with a remote employee through the ATM. For example, if the operator does not know how to operate, he / she can consult with the employee or make necessary input A system in which a remote clerk takes the place of input when the information is not known is becoming possible.

In such an interactive ATM, a video camera device for sending the face and motion of the operator to the other side in order to execute a dialogue between the user and a remote clerk, and in response thereto A display device for displaying and a speaker / microphone for inputting / outputting voice have been put into practical use.

[0005]

However, the scope of consultation has been expanded to include notification of address changes, opening of loans, opening of new accounts, etc. However, there is a problem that it cannot be realized simply by exchanging voices and images.

As an information transmission means corresponding to this, there is a scanner device which is an input means for transmitting the information held on the paper side by the user to a remote clerk. The scanner device is already incorporated in some consultation terminal devices.

Since the scanner device is large and is placed beside the device, the width of the entire device is too wide, or the operation guide screen / touch panel or the card entrance located on the other front side. In contrast to the operability of, there was a problem in operability that the user had to turn to the side or reach out.

The present invention has been made in view of the above points, and an object of the present invention is to allow the user to operate the interactive ATM while keeping the user in a natural operation posture, and to display the image and voice of the user to a remote clerk. Another object is to provide an automatic transaction device capable of transmitting image information brought by a user.

[0009]

An automatic transaction device according to a first aspect of the present invention is provided with a customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by a user, and provided near the customer service operation surface. And a scanner unit for reading a recording medium in which the personal information of the user owned by the user is recorded.

An automatic transaction device according to a second aspect of the present invention is characterized in that the customer service operating surface according to the first aspect comprises a touch panel means which is provided on the upper portion of the scanner means so as to be openable and closable.

An automatic transaction device according to claim 3 is provided in the vicinity of the customer service operation surface for guiding and displaying an operation screen for instructing a user to specify a predetermined transaction content, and is owned by the user. It is characterized by comprising a scanner means for reading a recording medium on which the personal information of the user is recorded and a transmitting means for transmitting the personal information of the user read by the scanner means to the host device.

An automatic transaction device according to a fourth aspect is provided with a customer operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by a user, and is provided in the vicinity of this customer operation surface. A scanner means for reading a recording medium on which personal information of the owning user is recorded; a magnetic reading means for reading account number information from magnetic data stored in a card owned by the user; Judgment for deciding the validity of the personal identification number recognized by the recognizing means based on the recognizing means for recognizing the personal identification number of the user inputted from the customer service operation surface and the account number information read by the magnetic reading means. And a control means for permitting the reading of the recording medium by the scanner means when the identification number recognized by the recognition means is determined to be valid by the determination means. An automatic transaction device according to claim 5 is provided with a customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by a user, and is provided in the vicinity of this customer service operation surface, and the user himself / herself A scanner means for reading a recording medium on which personal information of the owning user is recorded, and a magnetic data stored in a card owned by the user.
A magnetic reading means for reading account number information from a customer, a recognizing means for recognizing a personal identification number of the user inputted from the customer service operation surface, and the recognizing means based on the account number information read by the magnetic reading means. The judgment means for judging the legitimacy of the personal identification number recognized by the above, and the personal information of the user in the user's account when the personal identification number recognized by the recognition means is judged to be valid by this judgment means. In order to update the above, the control means for permitting the reading of the certification information of the recording medium from the scanner means and transmitting the user's personal information read by the scanner means to the host device is provided. .

An automatic transaction apparatus according to claim 6 is provided in the vicinity of the customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by the user, and the user himself / herself is provided. A scanner means for reading a recording medium on which personal information of the owning user is recorded; a magnetic reading means for reading account number information from magnetic data stored in a card owned by the user; Recognition means for recognizing a user's personal identification number input from the customer service side, and judging the validity of the personal identification number recognized by the recognizing means based on the account number information read by the magnetic reading means. No. 1 determination means and the user who inputs the password information from the customer service side when it is determined by the first determination means that the password number recognized by the recognition means is valid, Again, the contact Based on the instruction means for instructing the input of user-specific information through the operation surface and the account number information read by the magnetic reading means, the information is input from the customer operation surface according to the instruction of the instruction means. A second judgment means for judging the validity of the user-specific information, and when it is judged by the second judgment means that the user-specific information input from the customer service operation side is valid, And a control unit for permitting reading of the recording medium by the scanner unit.

An automatic transaction apparatus according to claim 7 is provided in the vicinity of the customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by the user. A scanner means for reading a recording medium on which personal information of the owning user is recorded; a magnetic reading means for reading account number information from magnetic data stored in a card owned by the user; Recognition means for recognizing a user's personal identification number input from the customer service side, and judging the validity of the personal identification number recognized by the recognizing means based on the account number information read by the magnetic reading means. No. 1 determination means and the user who inputs the password information from the customer service side when it is determined by the first determination means that the password number recognized by the recognition means is valid, Again, the contact Based on the instruction means for instructing the input of user-specific information through the operation surface and the account number information read by the magnetic reading means, the information is input from the customer operation surface according to the instruction of the instruction means. A second judgment means for judging the validity of the user-specific information, and when it is judged by the second judgment means that the user-specific information input from the customer service operation side is valid, Control for permitting reading of the certification information of the recording medium from the scanner means and updating the personal information of the user read by the scanner means to the host device in order to update the personal information of the user in the account of the user. Means and means are provided.

[0015]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a perspective view of an automatic transaction device with a scanner. For example, an automatic transaction device (for example, an automated teller machine installed in a bank's business office and capable of transactions such as deposit, withdrawal, transfer, balance inquiry, and passbook entry)
FIG.

In the figure, reference numeral 11 is a housing of the automatic transaction device. On the front surface of the housing 11, a substantially L-shaped customer service operating section 12 having a vertical surface 12a, an inclined surface 12b, and a horizontal surface 12c is formed as an operation surface.

On the inclined surface 12b of the customer service operating section 12,
A banknote slot 13 having an openable / closable lid for receiving a large number of banknotes in a batch and receiving the discharged banknotes in a batch, and a large number of coins can be inserted in a batch, and the ejected coins A coin slot 14 having an openable and closable lid is provided for collectively receiving.

Further, a handset 15 is attached to one end of the inclined surface 12b so as to be embedded therein. Further, between the bill slot 13 and the coin slot 14, a small video camera device 16 including a CCD image pickup device and a voice guide speaker 17 are provided, and the other end of the inclined surface 12b is provided. A clerk button 18 for calling a clerk is provided.

Further, on the horizontal surface of the customer service operating section 12, a rectangular panel 20 having a rectangular transparent touch panel 19 capable of inputting predetermined information by touching a finger on the surface is provided on the inner side. It is attached so as to be rotatable around an axis along it.

Further, as shown in FIG. 3, the touch panel 1
A color liquid crystal display device 21 is embedded so as to face the lower surface of the liquid crystal display device 9. A scanner device 22 is embedded in the lower surface of the panel 20. Here, 22 a is a glass surface of the scanner device 22.

Further, the touch panel 19 is a segment part of the touch panel 19 for various operation keys such as numbers, katakana characters, and English characters for inputting operation guidance procedures and other information such as characters, texts, illustrations or image information. By touching with a finger, desired key input (input of various transaction information, etc.) can be performed.

The touch panel 19 and the liquid crystal display device 21 form a touch panel input device 22. In addition, on the vertical surface of the customer service operating unit 12, a magnetic card as a transaction medium in which a password number, an account number, etc. are recorded, or a transfer voucher for a transfer transaction is accepted and a transaction content is printed. Card port 3 for discharging (specification)
1. Similarly, a passbook slot 32 for accepting a magnetic passbook as a transaction medium is provided.

On the other hand, inside the housing 11, there is a card opening 31.
The card reader / receiver printer unit 41 corresponds to the passbook printer unit 4 corresponding to the passbook port 32.
2 is a banknote deposit / withdrawal unit 43 corresponding to the banknote slot 13.
However, coin deposit / withdrawal units 44 are provided corresponding to the coin ports 14, respectively. In addition, in the lower part of the housing 11,
A control unit 45 that controls the apparatus is provided.

Next, a cross-sectional view of the scanner device 22 will be described with reference to FIGS. In FIG. 4A, a guide rod 51 is arranged below the glass surface 22a. An optical unit 52 is slidably attached to the guide rod 51. An array type LED 53 and an array CCD 54 are built in the optical unit 52. And array type LE
The light emitted from D53 is reflected by the document P placed on the glass surface 22a, and then enters the array CCD 54.

The optical unit 52 is driven by the belt 55. The belt 55 is driven by the motor 56. As shown in FIG. 4B, the video camera 16 is attached to a holder so as to be rotatable around a shaft 16a, and its shooting direction can be adjusted. Camera 16
The front side of the is equipped with a half mirror 16b, and its photographing direction can be adjusted. Further, a voice guidance speaker 16c is provided inside the half mirror 16b.

The handset 15 is attached so as to be embedded in the B side (FIG. 3), and is lightly held by the magnet 23 when attached. The cable 29 has a structure in which it is wound by the cable winding device 30, and even if the handset 15 is once held in the hand and the cable 29 is pulled out, the cable 29 is wound when it is returned to the original position.

Next, a control block diagram of the automatic transaction apparatus will be described with reference to FIG. In FIG. 5, reference numeral 45 is a main control unit that integrally controls the automatic transaction device. The main control unit 45 has a storage unit 7 for storing various data.
1, a host computer 61, a transmission control unit 72 for exchanging data transmission with the dialogue terminal 62, and a power source 73 are connected.

A card / receipt unit 41, a passbook printer 42, a bill deposit / withdrawal unit 43, and a coin deposit / withdrawal unit 44 are connected to the main control unit 45. Further, a customer service controller 74 is connected to the main controller 45. This customer service control unit 74
A handset 15, a video camera 16, a voice guidance 17, an attendant call button 18, a touch panel 19, and a scanner 22 are connected to the.

Here, various messages are displayed on the touch panel 19, as shown in FIG. Next, the operation of the first embodiment of the present invention configured as above will be described. In this embodiment, an explanation will be given of a case where an ATM is used to deliver a change of address of an account holder, which has conventionally been possible only at a counter.

First, an initial screen is displayed on the liquid crystal display device 21 as shown in FIG. 7 (A). FIG.
As shown in (A), in addition to the usual “payment” key 81, “withdrawal” key 82, “balance inquiry” key 83, “passbook entry” key 84 and other transactions, the “consultation” key -85, "Delivery"
Two keys of key 86 are displayed.

Then, when the "consultation" key 85 or the "delivery" key 86 is pressed, it is connected to the remote interactive terminal 62 at a necessary timing. As a result, the AT operating while interacting with the staff operating the terminal using voice and images
The mode switches to operate M.

For example, when the "delivery" key 86 is pushed down (step S1), the screen is switched as shown in FIG. 7 (B). Here, the item of "delivery" can be specified. The "address change notification" key 87 is used to report when the account holder has moved. "Account Closure Report" key-8
Reference numeral 8 is a notification for promptly delivering the account confirmation medium such as a card, a passbook, or a seal, and then temporarily closing the account. The "automatic withdrawal notification" key 89 is a notification for starting automatic withdrawal of public utility charges such as electricity and gas, or a notification for canceling / interrupting withdrawal.

When the "address change notification" key 87 is pressed,
If "YES" is determined in the step S2, the program is switched to the address change report mode. First, a card is inserted (step S3). As a result, the card reader 41 reads the magnetic data of the card and recognizes the account number to be changed. Next, the user inputs a code number for the card from the touch panel 19 (step S
4).

Then, the account number and password are transmitted to the host computer 61. Then, the host side matches whether the transmitted account number and password are the same as the records on the center side.

If they match, the notification is recognized as proper, and this is returned to the ATM.
The detailed information of the account is transmitted to the dialogue terminal. After the above processing, the ATM screen becomes the screen shown in Fig. 5, and the figure of the person in charge of the screen is displayed in the window W, and the message "Connected to the notification window. Please take your ATM handset 15" is displayed. I do. User handsets 1
When 5 is taken, it becomes possible to interact with the interaction terminal 62 (step S6).

The user's figure is also displayed on the window side, but the window side dictates by voice "Please enter the birth date of the holder of this account on the screen." On the other hand, the contents are input (step S7). This may be answered by voice, but since it is not recorded in the case of voice, it is requested by the key.

Upon receipt of this, the staff member checks the account number information received from the host computer 61 and confirms the agreement (step S8). This may be answered by voice,
Since it is not recorded in the case of voice, it is requested to be keyed in.

Upon receipt of this, the staff member checks the detailed account information received from the host 31 and confirms the agreement. By doing this, we will perform another match with the card recitation,
You can be sure that the delivery is legitimate.

Next, the user switches to the conversation mode again and requests the posting of a medium certifying the new address. It is, for example,
It can be a "driver's license with a changed address," a "resident's card at a new address," or other proof medium.

[0040] After having this held up so that it can be seen by the camera and confirming it on the display of the terminal 62, it prompts the scanner to set it. For example, when the user sets the "resident's card of new address" (step S9), the scanner 22 operates and is sent to the terminal 62.

While watching this, the clerk keyed in the new address.
Input from the host computer, change the account detail information from the host computer 61, and send it back to the host computer 61.

This data is sent back to the ATM 11 at the same time, which is edited and printed out (step S
10) Release to user and all operations are completed. In the above explanation, after the resident's card was read by the scanner, the clerk input it, but there is also a method in which the user can input it.

Next, a second embodiment of the present invention will be described with reference to FIGS. What is used here is a method of writing a finger on a touch panel which is already known by a zip code and "JP-A-61-1779919" (Fig. 8).
(A), (b)).

First, the zip code of the new address is input according to the instructions on the screen. The ATM has a built-in zip code dictionary, and the results of these searches are output to the screen to prompt the user to select.

Here, as an example, the screen when "245" is input is displayed in FIGS. 9 (a) and 9 (b). Here, in Totsuka Ward, even the town name is specified, so all that is left is to enter the lot number and the name of the apartment or the like. Here again, in order to facilitate the input, a device is devised in which frequently appearing words are displayed in advance on the screen.

[0046]

According to the first to seventh aspects of the present invention, the user can operate the interactive ATM while keeping the natural operation posture, and the remote staff member can use not only the image and voice of the user but also the user. It is possible to provide an automatic transaction device capable of transmitting image information brought by a person.

[Brief description of the drawings]

FIG. 1 is a perspective view of an automatic transaction device.

FIG. 2 is a diagram showing a state in which a panel 20 of the automatic transaction device is opened.

FIG. 3 is a side view of the automatic transaction device.

FIG. 4 is a sectional view of the scanner.

FIG. 5 is a control block diagram.

FIG. 6 is a flowchart for changing an address.

FIG. 7 is a diagram showing display contents of the liquid crystal display device 21.

FIG. 8 is a diagram showing address change notification processing.

FIG. 9 is a diagram showing an example of inputting an address.

[Explanation of symbols]

11 ... Housing, 12 Customer service section, 13 ... Banknote slot, 14 ... Coin slot, 15 ... Handset, 16 ... Video camera device,
17 ... speaker for voice guidance, 18 ... button for staff, 19
... touch panel, 21 ... liquid crystal display device, 22 ... scanner device.

Claims (7)

[Claims] 1. A customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by a user, and information of a user's personal information which is provided near the customer service operation surface and is owned by the user himself. An automatic transaction apparatus, comprising: a scanner unit for reading a recorded recording medium. 2. The automatic transaction apparatus according to claim 1, wherein the customer service surface includes a touch panel unit which is provided on the upper portion of the scanner unit so as to be openable and closable. 3. A customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by the user, and a personal information of the user owned by the user, which is provided near the customer service operation surface. An automatic transaction apparatus comprising: a scanner unit for reading the recorded recording medium, and a transmitting unit for transmitting the personal information of the user read by the scanner unit to a host device. 4. A customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by the user, and personal information of the user, which is provided near the customer service operation surface and is owned by the user himself. A scanner means for reading the recorded recording medium, a magnetic reading means for reading the account number information from the magnetic data stored in the card owned by the user, and a usage input from the customer service operating surface. Recognition means for recognizing the personal identification number of the person, judgment means for judging the validity of the personal identification number recognized by the recognition means based on the account number information read by the magnetic reading means, and the judgment means An automatic transaction apparatus, comprising: a control unit that permits reading of a recording medium by the scanner unit when it is determined that the personal identification number recognized by the recognition unit is valid. 5. A customer operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by the user, and personal information of the user, which is provided near the customer operation surface and is owned by the user himself / herself. Scanner means for reading a recording medium on which is recorded, magnetic reading means for reading account number information from magnetic data stored in a card owned by the user, and a user input from the customer service operation surface Recognizing means for recognizing the personal identification number, judging means for deciding the validity of the personal identification number recognized by the recognizing means on the basis of the account number information read by the magnetic reading means, and the recognizing means by the deciding means. When it is judged that the personal identification number recognized by the means is valid, in order to update the personal information of the user in the user's account, the reading of the certification information of the recording medium from the scanner means is permitted. Automatic teller machine, and characterized by comprising a control means for transmitting the information of the individual user read by the scanner unit to the host device. 6. A customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by the user, and personal information owned by the user, which is provided near the customer service operation surface. A scanner means for reading the recorded recording medium, a magnetic reading means for reading the account number information from the magnetic data stored in the card owned by the user, and a usage input from the customer service operating surface. Recognition means for recognizing the personal identification number of the person, first judgment means for judging the validity of the personal identification number recognized by the recognition means based on the account number information read by the magnetic reading means, When the personal identification number recognized by the recognizing means is judged to be valid by the judging means of No. 1, the user who has input the personal identification information from the customer service operating surface again passes through the customer service operating surface. Individual users And instruction means for instructing an input of a constant information, based on the account number information read by said magnetic reading means,
Second judging means for judging the validity of the user-specific information input from the customer service operating surface according to the instruction of the instructing means, and the second determining means for inputting from the customer service operating surface. An automatic transaction apparatus comprising: a control unit that permits reading of the recording medium by the scanner unit when it is determined that the user-specific information is valid. 7. A customer service operation surface for guiding and displaying an operation screen for instructing a predetermined transaction content by a user, and personal information owned by the user, which is provided near the customer service operation surface. A scanner means for reading the recorded recording medium, a magnetic reading means for reading the account number information from the magnetic data stored in the card owned by the user, and a usage input from the customer service operating surface. Recognition means for recognizing the personal identification number of the person, first judgment means for judging the validity of the personal identification number recognized by the recognition means based on the account number information read by the magnetic reading means, When the personal identification number recognized by the recognizing means is judged to be valid by the judging means of No. 1, the user who has input the personal identification information from the customer service operating surface again passes through the customer service operating surface. Individual users And instruction means for instructing an input of a constant information, based on the account number information read by said magnetic reading means,
Second judgment means for judging the validity of the user-specific information inputted from the customer service operation surface in accordance with the instruction of the instruction means, and the second judgment means for inputting from the customer service operation surface. In order to update the user's personal information in the user's account when it is determined that the user-specific information is valid,
An automatic transaction apparatus, comprising: control means for permitting the reading of certification information on a recording medium from the scanner means and for transmitting personal information of the user read by the scanner means to a host device.