JPH09212715A - Automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a customer able to demand a requested material and to explailn transaction contents not understood by the customer. SOLUTION: When 'demanding the material' is selected by pressing a key from a CRT display part with a built-in touch sensor in a customer service unit 55, a main control part 51 transmits a message for indicating the transaction of demanding the material to a host computer 70 through a transmission control part 65, receives corresponding material data and data relating to the account name of a demanding person from the host computer 70 and confirms the address of a material sending destination or the like from demanding person data as the addressee of the material by the customer service unit 55. Along with that, when the key of 'material content explanation' for the material displayed at the CRT display part with the built-in touch sensor in the customer service unit 55 is pressed, the explanation sentence of the material contents is displayed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to, for example, an automatic teller machine which automatically pays cash, an automatic teller machine which automatically accepts cash, and a combination of both functions. The present invention relates to an automatic transaction device such as an automatic teller machine.

[0002]

2. Description of the Related Art In recent years, a cash dispenser that automatically pays cash requested by a user by accepting a magnetic stripe card on which account information sent by the user is recorded and communicating with a host computer (center). , Or a magnetic passbook with a magnetic stripe on which account information is recorded, and automatically pay the cash required by the user by communicating with a host computer, or with a magnetic stripe on which account information is recorded. Automated teller machines such as automated teller machines that automatically accept cash using the magnetic passbook of Japan, as well as automated teller machines that combine both functions into one function. It has been rapidly developed and has been introduced into each bank to provide users with prompt service.

However, in such an automatic transaction apparatus, it is only possible to carry out a transaction of cash in and out of a customer, and confirm cash in and out. For example, there is a case where there is no function of requesting materials requested by the customer, or a function of explaining the transaction contents when the customer uses the automatic transaction device and there is a transaction content that the customer does not understand.

[0004]

As described above, in the automatic transaction device, the customer can only perform cash transaction in and out to check cash in and out, and have a function of requesting materials requested by the customer. However, there is a problem that there is no function to explain the transaction content when there is transaction content that the customer is using and does not understand. Therefore, an object of the present invention is to provide an automatic transaction device capable of requesting a material requested by a customer and explaining a transaction content that the customer does not understand.

[0005]

The automatic transaction device of the present invention is an automatic transaction device for performing various transactions, and is provided on the front upper part of the automatic transaction device, and displays means for displaying various display information, and this display means. First control means for performing control to display various material names on the display means when a transaction for requesting material is selected from among various transactions displayed in 1.
The second control means for controlling the display of the content explanation text of the material on the display means when the material description of the various materials displayed on the display means is instructed by the control means.

The automatic transaction apparatus of the present invention is an automatic transaction apparatus for conducting various transactions, and is provided on the front upper portion of the automatic transaction apparatus and has a display means for displaying various display information and various transactions displayed by this display means. When a transaction for requesting material is selected, a control means for controlling various material names to be displayed on the display means and a material requested from the various material names displayed by the control means are selected, It comprises a confirmation means for confirming the destination of the selected material.

The automatic transaction apparatus of the present invention is an automatic transaction apparatus that is connected to a host computer and performs various transactions. The automatic transaction apparatus is provided on the upper front part of the automatic transaction apparatus and displays various display information, and this display means. When a transaction for requesting a material is selected from among the various transactions displayed by, the reading means for reading the data of various material names and the description of the material from the host computer, and the various materials read by the reading means. When the first control means for controlling the display of the name on the display means and the material content explanation for the various material names displayed on the display means are instructed by the first control means, the material is read by the reading means. It is composed of a second control means for controlling the display of the material content explanation on the display means.

The automatic transaction apparatus of the present invention is an automatic transaction apparatus that is connected to a host computer and performs various transactions. Display means for displaying various kinds of display information is provided on the front upper part of the automatic transaction apparatus, and this display means. When a transaction for requesting a material is selected from among the various transactions displayed in, the reading means for reading the data of various materials and the account holder information for the material request from the host computer, and the various materials read by the reading means When the requested material is selected from the control means for displaying the name on the display means and the various material names displayed by the control means, it is selected from the account holder information read by the read means. It is composed of a confirmation means for confirming the destination of the material.

The automatic transaction apparatus of the present invention is an automatic transaction apparatus that is connected to a host computer and performs various transactions. Display means for displaying various kinds of display information is provided on the front upper part of the automatic transaction apparatus, and this display means. When the transaction for requesting materials is selected from among the various transactions displayed in, the collation means for collating the information of the magnetic card to be inserted with the personal identification number, and if this collation means is successful, this transaction Reading means for reading the account holder information and the data of various materials from the host computer, first control means for controlling the display means to display the various material names read by the reading means, and When the requested material is selected from the various material names displayed by the control means No. 1, the account name, address, telephone number, etc. are displayed from the account holder information read by the reading means. And second control means for controlling display on the account name displayed on the display means in the second control means, address, after the corrections or confirm the telephone number,
A transmission means for transmitting the selected content and the corrected or confirmed information to the host computer, and a transaction indicating that the material request transaction has been performed in response to the response to the content transmitted by the transmission means. It comprises an issuing means for issuing a statement and an ejecting means for ejecting the inserted magnetic card when the transaction statement is issued by the issuing means.

The automatic transaction apparatus of the present invention is an automatic transaction apparatus that is connected to a host computer and performs various transactions. Display means for displaying various display information is provided on the front upper part of the automatic transaction apparatus, and this display means. When the transaction for requesting materials is selected from among the various transactions displayed in, the collation means for collating the information of the magnetic card to be inserted with the personal identification number, and if this collation means is successful, this transaction Reading means for reading the account holder information and the data of various materials from the host computer, first control means for controlling the display means to display the various material names read by the reading means, and When the requested material is selected from the various material names displayed by the control means No. 1, the account name, address, telephone number, etc. are displayed from the account holder information read by the reading means. And second control means for controlling display on the account name displayed on the display means in the second control means, address, after the corrections or confirm the telephone number,
Sending means for sending the selected contents of the above materials and the corrected or confirmed information to the host computer, and if the reply to the contents sent by this sending means is rejected, the transaction is stopped, and in the case of permission Printing means for printing a transaction statement to the effect that the material request transaction has been performed, and when the transaction statement is printed by the printing means, ejects the printed transaction statement and the inserted magnetic card. And an ejecting means.

The automatic transaction apparatus of the present invention is an automatic transaction apparatus that is connected to a host computer to perform various transactions, and is provided on the front upper part of the automatic transaction apparatus, and displays means for displaying various display information, and this display means. When the transaction for requesting materials is selected from among the various transactions displayed in, the collation means for collating the information of the magnetic card to be inserted with the personal identification number, and if this collation means is successful, this transaction Reading means for reading the account holder information and the data of various materials from the host computer, first control means for controlling the display means to display the various material names read by the reading means, and When the explanation of the material contents for the various materials displayed by the control means 1 is instructed, the explanatory text of the material is displayed on the display means from the data of the various materials read by the reading means. And second control means for performing control of,
When the requested material is selected from the various material names displayed by the first control means, the account name, address, telephone number, etc. are displayed on the display means from the account holder information read by the reading means. Third control means for controlling, and after the third control means corrects or confirms the account name, address, and telephone number displayed on the display means, the contents selected above and the above corrections made. Alternatively, a transmission means for transmitting the confirmed information to the host computer, and if the response to the content transmitted by this transmission means is rejected, the transaction is stopped. It comprises a printing means for printing the transaction statement and a discharging means for discharging the printed transaction statement and the inserted magnetic card when the transaction statement is printed by the printing means.

[0012]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to the drawings. FIG. 2 shows an automatic transaction device of the present invention. That is, in the automatic transaction device 1, a substantially L-shaped operation unit 3 is formed on the front surface of the housing 2. The vertical operation surface 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. The horizontal operation surface 3b is provided with a pay-in / pay-out port 7 as a bill receiving unit that also serves as a pay-in port and a pay-out port, and the open / close door 8 is provided in the pay-in / pay-out port 7.

Further, a CRT display unit 9 having a built-in touch sensor as a display means is provided on the horizontal operation surface 3b to guide the customer by displaying operation procedures and other information by illustration characters or characters. At the same time, depending on the display, PIN, amount, account number,
The operation is performed by pressing the display portion corresponding to the approval / confirmation of the transaction or the cancellation.

In the housing 2, a passbook inserted from the passbook insertion port 4 described above is received, the magnetic information is read and recorded, and the transaction details are printed. A magnetic card inserted from the card insertion slot 5 is handled, and a slip processing unit 11 to the slip issuing slot 6 is provided. Slip processing unit 1
In No. 1, the journal print for the staff is also printed at the same time as the customer's operation.

Further, in the housing 2, there are accommodated a deposit / withdrawal unit 12 having a return / receipt of forgotten banknotes, a forgotten collection, loading, and a scrutiny function, and an internal monitor 13. FIG.
Shows a schematic configuration of an automatic transaction device according to the present invention. That is, in the housing 2, the slip processing unit 11, the deposit / withdrawal unit 12, and the internal monitor 13 described above are provided.
There is provided a main control unit 51 that controls the entire device and controls the entire device.

The main control unit 51 has a RAM 53 and a CRT for storing the number of bills stored in each cash box (not shown).
The customer service unit 55, the magnetic card lead unit 57, the passbook printing unit 59, and the coin depositing / dispensing unit 61 configured by the display unit 9 are connected.

The main control unit 51 controls the data transmission between the voice guidance unit 63, the host computer (center) 70 that manages the transaction of the automatic transaction apparatus 1, the floppy disk device 67, and the like. It controls the remote monitor 69 for the staff and the power supply 71.

Next, the operation of the material request transaction of the automatic transaction apparatus 1 in such a configuration will be described with reference to the flowchart of FIG. The transaction program is started by the main control unit 51, and the CRT display unit 9 is displayed on the CRT display unit 9 in step ST1.
The customer waiting screen is displayed as shown in. When the “request material” key is pressed (ST2) among the menu keys displayed on the customer waiting screen, step ST3 is reached, and the guidance “Please insert a card” is displayed on the CRT display portion 9.

In step ST4, the customer's card is inserted from the card insertion slot 5 according to the display guide. Then, the card is taken into the magnetic card read section 57, and magnetic information such as a personal identification number and an account number recorded in the magnetic stripe section is read by a magnetic head (not shown). Further, the main control unit 11 displays "Please press your PIN" on the CRT display unit 9 and also displays the ten keys and the correction key (ST5).

Then, the customer inputs the personal identification number by depressing the part of the CRT display portion 9 on which the ten-key is displayed according to the guidance (ST6). The main control unit 51 of the automatic transaction device 1 performs a check process between the read magnetic information and the personal identification number input by the customer, and when the check is normally completed, the main control unit 51 sends a command to the host computer 70 via the transmission control unit 65. Then, a message indicating that the transaction is a material request transaction is transmitted. The host computer 70 displays data for displaying on the CRT display unit 9 on the main control unit 51 via the transmission control unit 65 of the automated teller machine 1, a brief description of the data, account data of the inserted magnetic card (account The owner's address, telephone number, etc. are transmitted (ST7).

FIG. 5 shows an example of a telegram sequence between the automatic transaction device 1 and the host computer 70. The automatic transaction device 1 sends a data request inquiry to the host computer 70, and the host computer 70 responds. The contents of the material to be processed and the account holder information are returned to the automatic transaction device 1.

The data transmitted from the host computer 70 in step ST8 is stored in the main control unit 51 via the transmission control unit 6 of the automated teller machine 1 and is analyzed to display the data on the CRT display unit 9. Is displayed.

FIG. 6 shows a display example of the material on the CRT display section 9. In FIG. 6A, the name of the material, for example, the name of the material such as “credit” or “reserve period” is displayed. When the "Material Description" key on the display screen of Fig. 6 (a) is pressed, "Credit is a product ........." and "Reserve" as shown in Fig. 6 (b). A term is a product such as ………… ”and the like, and an explanation of the content of the material is displayed. When the "return to selection" key on the display screen of FIG. 6B is pressed, the screen returns to the display screen of FIG. 6A.

When any of the materials is selected by the customer from the material data displayed on the CRT display section 9 shown in FIG. 6A (ST9), the name of the selected material is blank. Displayed to indicate selection. Then, the address and telephone number of the account name of the magnetic card received from the host computer 70 are displayed on the CRT display section 9 (ST10).

FIG. 7 shows an example in which the address and telephone number of the account name of the magnetic card are displayed on the CRT display section 9. If the displayed content is correct, the customer presses the "confirm" key to correct it. If there is an item to be edited, press the “□” key at the corresponding location to correct the address and telephone number (ST11,
12).

When the confirmation or correction is completed, the main control section 51 sends the confirmed or corrected information and the contents of the material request selected by the customer to the computer 70, and the host computer 70 sends a permission response to the automated teller machine 1. When it is done, proceed to the next step, and if it is rejected, the transaction is canceled. In FIG. 5, the automatic transaction device 1 sends a data request message to the host computer 70, and the host computer 70 returns a permission / denial answer message to the automatic transaction device 1 (ST13).

In step ST14, the passbook printing unit 5
9 and the slip processing unit 11 print the fact that the material request transaction has been performed, eject the passbook from the passbook insertion slot 4 to the customer, eject the magnetic card from the card insertion slot 5, and print it on the slip processing unit 11. The transaction statement voucher indicating that the document request transaction is performed is discharged from the voucher issuing port 6. The slip processing unit 11 also prints a transaction statement slip indicating that the material request transaction has been performed, and also prints a journal for the staff.

FIG. 8 shows an example of journal printing in the slip processing unit 11. Then, the magnetic card is extracted from the card insertion slot 5 and the transaction detail slip is extracted from the slip issuing slot 6 (ST15), and the transaction ends.

In this way, the material selected by requesting the material is shipped to the customer's address. As described above, according to the embodiment of the present invention, the material requested by the customer can be requested, and when the address and telephone number of the account holder are different from those at the time of registration, the address and telephone number can be corrected. In addition, the contents of the material you are requesting can be understood without asking other people, which helps reduce the burden on staff.

[0030]

As described in detail above, according to the present invention,
It is possible to provide an automatic transaction device capable of requesting a material requested by a customer and explaining a transaction content that the customer does not understand.

[Brief description of drawings]

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

FIG. 2 is a diagram showing an external configuration of an automatic transaction device.

FIG. 3 is a flowchart for explaining the operation of a material request transaction.

FIG. 4 is a diagram showing a screen display waiting for a customer.

FIG. 5 is a diagram showing an example of a message sequence between an automatic transaction device and a host computer.

FIG. 6 is a diagram showing a display example of materials on a CRT display unit.

FIG. 7 is a diagram showing a display example of an account name of a magnetic card on a CRT display unit.

FIG. 8 is a diagram showing an example of journal printing in a slip processing unit.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus 2 ... Housing 3 ... Operation part 5 ... Card insertion port 6 ... Voucher issuing port 7 ... Deposit / withdrawal port 9 ... CRT display part 10 ... Voucher processing unit 51 ... Main control part 57 ... Magnetic card read part 65 ... Transmission control unit 70 ... Host computer

Claims (7)

[Claims] 1. An automatic transaction device for conducting various transactions, a display means provided on an upper front part of the automatic transaction device for displaying various display information, and a transaction for requesting a material out of various transactions displayed by the display device. When is selected, the first control means for controlling various material names to be displayed on the display means, and the material content explanation for the various materials displayed on the display means by the first control means are instructed. An automatic transaction device comprising: a second control means for controlling the display of the content description of the material on the display means. 2. An automatic transaction device for performing various transactions, a display means provided on an upper front portion of the automatic transaction device for displaying various display information, and a transaction for requesting a material among various transactions displayed by the display device. When is selected, control means for performing control to display various material names on the display means, and when selected material is selected from various material names displayed by this control means, the selected material is sent. An automatic transaction device comprising: a confirmation means for confirming the destination. 3. An automatic transaction device which is connected to a host computer and performs various transactions. Display means for displaying various display information, which is provided on the front upper part of the automatic transaction device, and various transactions displayed by this display means. When a transaction for requesting a material is selected, a reading means for reading data of various material names and a description of the material from the host computer, and various material names read by the reading means are displayed on the display means. When the first control means for controlling the display and the material content explanation for the various material names displayed on the display means are instructed by the first control means, the material content explanation read by the reading means is described above. An automatic transaction device, comprising: a second control unit that performs control of displaying on a display unit. 4. An automatic transaction device which is connected to a host computer and performs various transactions. Display means provided on the front upper part of the automatic transaction device for displaying various display information, and various transactions displayed by this display means. When the transaction for requesting material is selected, the reading means for reading the data of various materials and the account holder information for requesting the material from the host computer, and the various material names read by the reading means on the display means. When the requested material is selected from the control means for controlling the display and the various material names displayed by this control means, the destination of the material selected from the account holder information read by the reading means is confirmed. An automatic transaction device, comprising: 5. An automatic transaction device connected to a host computer for performing various transactions, a display means provided on the front upper part of the automatic transaction device for displaying various display information, and various transactions displayed by this display means. When the transaction for requesting materials is selected, the collation means for collating the information of the magnetic card to be inserted with the personal identification number, and if this collation means is successful, the account holder information for this transaction Reading means for reading data of various materials from the host computer, first control means for controlling display of various material names read by the reading means on the display means, and display by the first control means When the requested material is selected from the displayed various material names, control is performed to display the account name, address, telephone number, etc. on the display means from the account holder information read by the read means. After the control means of No. 2 and the account name, address, and telephone number displayed on the display means by the second control means are corrected or confirmed, the above-mentioned material is selected and the correction or confirmation is made. Transmitting means for transmitting the information and the information to the host computer; issuing means for issuing a transaction statement to the effect that the material request transaction has been performed in response to the response transmitted by the transmitting means; and a transaction by this issuing means. An automatic transaction apparatus comprising: a discharging unit configured to discharge the inserted magnetic card when a statement is issued. 6. An automatic transaction device connected to a host computer for performing various transactions, a display means provided on the front upper part of the automatic transaction device for displaying various display information, and various transactions displayed by this display means. When the transaction for requesting materials is selected, the collation means for collating the information of the magnetic card to be inserted with the personal identification number, and if this collation means is successful, the account holder information for this transaction Reading means for reading data of various materials from the host computer, first control means for controlling display of various material names read by the reading means on the display means, and display by the first control means When the requested material is selected from the displayed various material names, control is performed to display the account name, address, telephone number, etc. on the display means from the account holder information read by the read means. After the control means of No. 2 and the account name, address, and telephone number displayed on the display means by the second control means are corrected or confirmed, the above-mentioned material is selected and the correction or confirmation is made. A sending means for sending the information and the host computer, and if the reply to the contents sent by the sending means is rejected, the transaction is stopped. An automatic printing system, comprising: a printing means for printing; and a discharging means for discharging the printed transaction statement and the inserted magnetic card when the transaction statement is printed by the printing means. Trading equipment. 7. An automatic transaction device that is connected to a host computer to perform various transactions. Display means for displaying various display information, which is provided on the front upper part of the automatic transaction device, and various transactions displayed by this display means. When the transaction for requesting materials is selected, the collation means for collating the information of the magnetic card to be inserted with the personal identification number, and if this collation means is successful, the account holder information for this transaction Reading means for reading data of various materials from the host computer, first control means for controlling display of various material names read by the reading means on the display means, and display by the first control means When the instruction to explain the content of the material to the various materials is given, the control for displaying the content explanation text of the material on the display means from the data of the various materials read by the reading means is performed. When the requested material is selected from the control means and the various material names displayed by the first control means, the account name, address, telephone number, etc. are displayed from the account holder information read by the reading means. Third control means for controlling the means to be displayed on the means, and after the third control means corrects or confirms the account name, address, or telephone number displayed on the display means, the material is selected. Sending means for sending the contents and the corrected or confirmed information to the host computer, and if the reply to the contents sent by this sending means is rejected, the transaction is stopped, and if it is permitted, the above-mentioned material request transaction A printing means for printing the transaction statement indicating that the transaction statement has been broken; and a discharging means for discharging the printed transaction statement and the inserted magnetic card when the transaction statement is printed by the printing means Equipped And an automatic transaction device.