JPH09231445A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain an automatic teller machine by which the operability and the working rate are improved, by equipped a picture reading means reading picture information written from an information medium and a processing means executing a transfer transaction based on information obtained by the picture reading means so as to easily execute the transfer transaction in a short time. SOLUTION: When a password inputted within a prescribed number of times and a registered password coincide with each other, an operation guide for urging the insertion of a transfer information card to a card port is displayed on a color CRT display. When the transfer information card is inserted, a reading part 21b reads a picture image written in the transfer information card. Then information on a transfer destination is read from the transfer information card and information on a requester is read from the magnetic stripe of a cash card to execute transfer transaction. Thereby input items to be inputted by means of a touch panel sensor, etc., are reduced even at the time of a first transfer 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 apparatuses have been used for transactions such as withdrawal and deposit of deposits or transfers at financial institutions.

In the transfer transaction in such an automatic transaction apparatus, client information (client name, telephone number, etc.) and transfer destination information (transfer destination name, transfer destination) input by the client using a touch sensor panel or the like. The transfer process is executed based on the bank name, branch name, account number, etc.) and the transfer amount information input by the client using the touch sensor panel or the like.

In addition, as described above, a transfer ticket or a bankbook dedicated to transfer, in which the client information and the transfer destination information, which are input by operating the touch sensor panel or the like, are recorded as magnetic information on the magnetic stripe, or Similarly, the above information is managed and stored by using keys such as telephone numbers in the storage device of the center, and in the transfer transaction from the next time, these transfer tickets, bankbook for exclusive use of transfer, storage device of the center, etc. By reading the information, the input operation by the touch sensor panel or the like accompanying the transfer transaction is also simplified. There is also a dedicated machine called a transfer destination registration machine that only registers such a transfer destination.

[0005]

However, in the above-described conventional technique, at least when the first transfer transaction is performed, the client information and the like described above must be input by the touch sensor panel or the like. However,
Entering such client information while looking at a guidance screen such as a CRT is difficult for an elderly person or an unfamiliar person to understand. If you press the "Cancel" key due to a mistake, or if the operation takes too long and times out, you may have to redo the operation from the beginning, and it will take a lot of time for the transfer transaction. There was a problem.

The present invention has been made in response to such a conventional situation. As compared with the conventional method, the transfer transaction can be performed easily and in a short time, and the operability and the operation rate of the apparatus are improved. It is intended to provide an automatic transaction device capable of achieving the following.

[0007]

[Means for Solving the Problems] That is, the invention according to claim 1 executes a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount. An enabled automatic transaction device, wherein at least one of the client information, the transfer destination information, and the transfer amount information is described as an image information from an information medium described as an image information. It is characterized by comprising image reading means for reading information and processing means for executing the transfer transaction based on the information obtained by the image reading means.

According to a second aspect of the present invention, in the automatic transaction device according to the first aspect, an image in which at least one of the client information, the transfer destination information, and the transfer amount information is a character or a bar code or a mark sheet. It has a receiving means for receiving the card-shaped information medium described as information, and the image reading means has a reading unit for reading the image information described from the card-shaped information medium received from the receiving means. Characterize.

The invention according to claim 3 is an automatic transaction device capable of executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount. There is at least one of magnetic record reading means for reading the information recorded in the magnetic recording part of the passbook or the card and obtaining the client information based on this information, and the transfer destination information and the transfer amount information. An image reading means for reading the described image information from an information medium described as image information consisting of characters or symbols,
It is characterized by further comprising a processing means for executing the transfer transaction based on the information obtained by the magnetic recording reading means and the image reading means.

According to a fourth aspect of the present invention, in the automatic transaction device according to the third aspect, the information medium is formed into a card shape,
At least one of the transfer destination information and the transfer amount information is described by characters, a bar code, or a mark sheet.

According to a fifth aspect of the present invention, in the automatic transaction apparatus according to the first aspect, the image reading means prints the image information read from the information medium on the surface thereof and issues a transfer-dedicated medium. It is characterized by having done.

According to a sixth aspect of the invention, in the automatic transaction apparatus according to the fifth aspect, the issuing unit prints the image information read from the information medium by the image reading unit on the surface of the transfer-dedicated medium. A recording unit for recording the information obtained by the image reading unit in a magnetic recording unit of the transfer-only medium; and an ejection for ejecting the transfer-only medium in which an image is printed by the printing unit and magnetically recorded by the recording unit. And a section.

According to a seventh aspect of the invention, in the automatic transaction apparatus according to the first aspect, there is provided a selecting means for selecting issuance of a transfer-dedicated medium in which transfer destination information regarding a transfer destination is recorded in a magnetic recording unit, and the selecting means. When the issue of the transfer-only medium is selected, the information medium is housed inside the apparatus, and the read-out medium for issuing the transfer-only medium in which the information read from the information medium is recorded in the magnetic recording unit, and the transfer-only by the selecting means And a return means for returning the information medium to the client when the issue of the medium is not selected.

According to an eighth aspect of the present invention, in the automatic transaction apparatus according to the first aspect, there is provided a selecting means for selecting issuance of a transfer-dedicated medium in which transfer destination information regarding a transfer destination is recorded in a magnetic recording unit, and the selecting means. When issuance of a transfer-only medium is selected, issuing means for issuing a transfer-only medium in which information read from the information medium is recorded in the magnetic recording unit, and information indicating that the information medium has been used is printed. It is characterized in that it is provided with a return means for returning to the client.

In the automatic transaction apparatus of the present invention having the above-mentioned configuration, even in the case of the first transfer transaction or the like, the items that must be input by the touch sensor panel or the like can be greatly reduced compared with the conventional one, and it is simple. In operation, in a short time,
Transfer transactions can be carried out reliably.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows an external view of an automatic transaction device according to an embodiment of the present invention. In the figure, a substantially L-shaped customer service operating portion 2 is formed on the front surface of a housing 1.

On the horizontal surface of the customer service operating section 2, there is provided a banknote slot 3 into which a large number of banknotes can be thrown in at one time and the ejected banknotes can be received in a batch. The door 4 is provided.

A color CRT display device 5 having a transparent touch sensor panel on the display surface is provided on the horizontal surface of the customer service operating section 2. This color CRT display device 5
Displays the operating procedure and other information on the screen by text, wording, illustrations or image information to guide the user and display the number, katakana, alphabet, confirmation and cancellation characters on the touch sensor panel. By touching the part with a finger, it is possible to input desired information such as a personal identification number, an amount of money, an account number, transaction approval, confirmation or cancellation.

On the other hand, on the vertical surface of the customer service operating section 2, personal identification information such as an account number is recorded on a magnetic stripe (MS) or the like for the purpose of identifying the user of the ID card as a transaction medium (so-called). Cash card etc.) and
As will be described later, a card slot 6 that accepts a transfer information card that describes the name of the transfer destination, an account number, etc., a magnetic passbook as a transaction medium or a passbook slot 7 that also accepts a transfer card, and a printed receipt (details) There are provided a receipt port 8, a coin insertion port 9 into which a large number of coins can be inserted at once, a coin receiving port 10 into which discharged coins are collectively received, an attendant key 11 operated by an attendant, and the like.

FIG. 2 shows a schematic configuration of the above-described automatic transaction device. The automatic transaction device includes a card reader unit 21, a receipt printer unit 22, a passbook printer unit 23, a bill deposit / withdrawal unit 24, and a coin deposit / withdrawal unit. 25, customer service unit 26, voice guidance unit 27,
It comprises an internal monitor 28, a storage unit 29, a floppy disk device 30, a transmission control unit 31, a main control unit 32, a power supply unit 33 and the like.

The card reader unit 21 has a card slot 6
MS information reading unit 21a for reading account information such as account number from the magnetic stripe (MS) of the ID card received from
And an image reading unit 21b for reading transfer information such as the name of the transfer destination and the account number from the transfer information card received from the card slot 6 as image data.

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

The passbook printer unit 23 reads data from or writes data to the magnetic stripe of the passbook received from the passbook opening 7, and prints transaction contents on the passbook and recording journal paper as necessary. I do. In addition, the transfer information of the transfer transaction is recorded on the original note of the transfer card, the transfer card is issued by printing the image information, and the transfer card is discharged from the passbook opening 7 or received from the passbook opening 7. Data is read from or written to the magnetic stripe of.

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

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

The customer service unit 26 is the color CR described above.
The T display device 5 and the touch sensor panel are included. The voice guidance unit 27 provides voice guidance for user operation.

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

The storage unit 29 is for storing various data.

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

The transmission controller 31 is connected online with the host computer of the center via a communication line.
Online communication is available with the host computer when necessary.

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

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

Next, referring to the flow chart of FIG.
Regarding the transfer process in the automatic transaction device having the above-mentioned configuration, an example of performing the transfer process by direct debit using a cash card in which the user's own bank name, branch name, account number, etc. are recorded as an ID card as described above As described below.

At the start of the transaction, the color CRT display device 5
The item selection screen is displayed on the display screen of, and the user touches the touch sensor panel at the display position of the desired transaction item, in this case "Transfer", from this item selection screen, and then "By account withdrawal". The following transfer process is started by touching the touch sensor panel at the display position of the character "transfer process" (101).

First, the color CRT display device 5 provides an operation guide for prompting the user to insert the cash card into the card slot 6 (102).

Next, when the cash card is inserted into the card slot 6, the MS information reading section 21a reads the account information such as the account number from the magnetic stripe of the cash card, and the color CRT display device 5 provides the secret code. An operation guide that prompts you to enter a number is provided (1
03).

After that, when the user inputs the personal identification number from the color CRT display device 5, it is confirmed whether the personal identification number registered in the host computer of the center and the input personal identification number match. Therefore, an inquiry is made to the host computer of the center (104). At this time, if the entered personal identification number does not match the registered personal identification number even if the personal identification number has been entered a predetermined number of times,
Judge that the user is not a valid user of the cash card and terminate the transaction.

When the personal identification number input within the predetermined number of times matches the registered personal identification number, the color CRT display device 5 provides an operation guide for prompting the insertion of the transfer information card into the card slot 6, and the transfer When the information card is inserted, the image reading unit 21b reads the image image described in the transfer information card (10
5).

Next, the image image read by the image reading unit 21b is analyzed, and the name, name, and bank of the transfer destination written in characters or symbols (bar code, mark sheet, graphic, etc.) on the transfer information card. Name,
Transfer information such as branch name and account number is displayed on the color CRT display device 5 (106).

Next, on the color CRT display device 5, an operation guide for prompting the user to input the transfer amount is displayed, and when the transfer amount is input by the touch sensor panel, the transfer destination registered in the host computer of the center is displayed. An inquiry is made to the host computer of the center to confirm whether the account name and the name of the transfer destination read from the transfer information card match. And, as shown in FIG.
To confirm whether or not there is a transfer content consisting of the transfer amount input by the touch sensor panel, the transfer destination information read from the transfer information card, and the client information read from the magnetic stripe of the cash card, and whether there is a correction. The key (at the bottom of Fig. 4) is displayed (1
07). At this time, if the transfer destination account name registered in the host computer and the transfer destination name read from the transfer information card do not match, the color CRT display device 5
In addition, there is an operation guide that the transfer destination account name is different,
It is displayed together with the transfer details and the confirmation / correction key.

If there is a correction, a correction routine for correcting the input contents is performed, and if there is no correction (108), the transmission control unit 31 confirms to the host computer of the center in step 107. Alternatively, the transfer content including the corrected transfer destination and client information is transmitted (109), and it is confirmed that the transmission is normal (110).

Next, the color CRT display device 5
Is displayed to select whether or not to issue the transfer ticket (111), and when issuing the transfer ticket, when the transfer ticket is issued, the above-mentioned information of the transfer destination read from the transfer information card is displayed in the transfer ticket. After recording on the magnetic stripe and printing the image information of the transfer information card on the surface of the transfer ticket, issuing the transfer ticket and discharging it from the apparatus (112), on the other hand, if the transfer ticket is not issued, it is as it is. Then, the cash card and the transfer information card are returned, the receipt is issued, etc., and the processing is ended (113).

When a transfer ticket is issued, the transfer information card may be taken in and not returned, or
The information on the surface of the transfer information card may be printed to the effect that it has been used, and the information recorded on the magnetic stripe may be changed to be unused and returned.

Now, the transfer information card will be described with reference to FIGS. In this example, the transfer information card is made of a material such as paper or plastic and has a card shape having the same shape and size as a cash card, for example. Then, the barcode (FIG. 5), the mark sheet (FIG. 6), the characters (FIG. 7) written on the surface,
Depending on the figure (Fig. 8), the name, name, bank name of the payee,
Transfer information such as branch name, account number, etc., client name (name of transferee), bank name, branch name, client information such as account number, transfer amount information regarding transfer amount, etc. is there.

Further, FIG. 9 shows in more detail the structure of the part relating to the transfer transaction of the above-mentioned automatic transaction device.
As shown in the figure, the image signal read from the transfer information card by the image reader of the image reading unit 21b passes through the circuit 211 for optimizing the signal such as the adjustment of the image contrast, and the image recording memory (RAM). Accommodated in 212. Then, based on a rule for analyzing the image stored in the memory (ROM) 213 as information, the control unit 32 extracts and inputs information (transfer information in this case) from the image. Then, this information is displayed on the color CRT display device 5 and correction input by the touch sensor panel 5a and operation guidance at that time are performed by the voice guidance unit 27, and the information input by these is transmitted. It is sent to the host computer of the center via the control unit 31.

As described above, in this automatic transaction apparatus, the information regarding the transfer destination is read from the transfer information card and the information regarding the client is read from the magnetic stripe of the cash card to execute the transfer transaction. Even in the case of transactions, the number of input items that must be input by the touch sensor panel or the like can be significantly reduced compared to the conventional case, and transfer transactions can be easily performed in a short time. In addition, since the transfer information card does not use a magnetic stripe or the like, it is easy to manage,
The manufacturing cost is also low.

In the example described above, only the information about the transfer destination is written on the transfer information card, the information about the client is read from the magnetic stripe of the cash card, and the amount of money is input by the touch sensor panel. As described above, for example, a mark sheet or characters may be used to previously describe the information about the client and the amount of money on the transfer information card. In this case, even if the user does not have a cash card and performs the transfer process with cash, it is not necessary to input the name of the client (transfer source) using the touch sensor panel or the like.

Further, even when the transfer transaction is carried out in cash, a cash card may be used to obtain information regarding the client based on the information read from the magnetic stripe of the cash card.

Further, in addition to these information, for example, the product number, quantity, etc. of the ordered product in the mail order, etc. can be written on the transfer information card by a mark sheet or characters, and these information can be transmitted to the transfer destination. You can also

In such a case, for example, the name of the seller, the name of the transfer bank, the name of the branch office, the account number, etc. are printed in advance in place of the postcard for mail order placed in a magazine or the like, and Mark sheet or letters, order part number,
It is possible to carry out a quick and reliable transaction by inserting a transfer information card in which the quantity and the like can be entered and cutting and using the transfer information card.

That is, for example, by marking a predetermined position on the mark sheet as shown in FIGS. 6 and 9, the product number, product name, quantity, etc. of the ordered product are entered, and this information is recorded in the automatic transaction device. By reading the image, as shown in the color CRT display device 5 in FIG. 9, it is possible to input the order information (payment details) such as the product name (Yaseru Konjac) and quantity (80) of the ordered product. It will be possible. In addition, for example, when a real estate company that manages an apartment has a rental contract with the lessee for the apartment, the name of the real estate company, the bank name,
If you hand over the transfer information card made of plastic etc. with the branch name, account number etc. printed to the borrower and the borrower uses this transfer information card to transfer the rent etc., the transfer of the rent etc. Payment can be made smoothly and reliably.

In addition, a transfer information card (OCR paper) on which the name of the transfer destination, bank name, branch name, account number, etc. can be handwritten is prepared in advance near the automatic transaction device of the financial institution, and the transfer transaction is performed. If you want to make a payment, insert the transfer information card into the automatic transaction device after describing the necessary items of this transfer information card in advance, and in the automatic transaction device, character-recognize the contents described in this transfer information card. By inputting in this way, it is possible to significantly reduce the necessary input operation in the automatic transaction device and perform a smooth transfer transaction. In this case, for example, when paying utility charges such as electricity charges or gas charges, the transfer destination is already decided. Therefore, for example, by preparing a transfer information card dedicated to electricity charges, etc. It is possible to make a transfer transaction.

[0054]

As described above, according to the automatic transaction apparatus of the present invention, it is possible to perform a transfer transaction more easily and in a shorter time as compared with the conventional one, thereby improving operability and operating rate of the apparatus. It is possible to improve.

[Brief description of drawings]

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

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

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

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

FIG. 5 is a diagram showing an example of a transfer information card.

FIG. 6 is a diagram showing an example of a transfer information card.

FIG. 7 is a diagram showing an example of a transfer information card.

FIG. 8 is a diagram showing an example of a transfer information card.

FIG. 9 is a diagram showing a main configuration of the automatic transaction device shown in FIG. 1.

[Explanation of symbols]

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

Claims (8)

[Claims] 1. An automatic transaction device capable of executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount, wherein the requester Image reading means for reading the described image information from an information medium in which at least one of information, the transfer destination information, and the transfer amount information is described as image information consisting of characters or symbols, and the image reading means. And a processing means for executing the transfer transaction based on the information provided. 2. The automatic transaction device according to claim 1, wherein at least one of the client information, the transfer destination information, and the transfer amount information is described as image information including characters, a bar code, or a mark sheet. An automatic transaction device having a receiving unit for receiving a card-shaped information medium, and the image reading unit having a reading unit for reading image information written on the card-shaped information medium received from the receiving unit. . 3. An automatic transaction device capable of executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount, which is a passbook or a card. Magnetic recording and reading means for reading the information recorded in the magnetic recording part and obtaining the client information based on this information, and an image in which at least one of the transfer destination information and the transfer amount information is a character or a symbol. An image reading unit that reads the written image information from the information medium described as the information, and a processing unit that executes the transfer transaction based on the information obtained by the magnetic recording reading unit and the image reading unit. An automatic transaction device characterized by being provided. 4. The automatic transaction device according to claim 3, wherein the information medium is formed in a card shape, and the transfer destination information is
At least one of the transfer amount information is described by a character, a bar code, or a mark sheet. 5. The automatic transaction apparatus according to claim 1, further comprising means for printing the image information read from the information medium by the image reading means on its surface to issue a transfer-dedicated medium. Automatic transaction equipment. 6. The automatic transaction apparatus according to claim 5, wherein the issuing unit prints the image information read from the information medium by the image reading unit on a surface of a transfer-dedicated medium, and the image reading unit. A recording unit for recording the information obtained by the above in a magnetic recording unit of the transfer-only medium; and an ejecting unit for ejecting the transfer-only medium in which an image is printed by the printing unit and magnetically recorded by the recording unit. An automatic transaction device characterized by. 7. The automatic transaction apparatus according to claim 1, wherein a selecting means for selecting issuance of a transfer-dedicated medium in which transfer-destination information relating to a transfer destination is recorded in a magnetic recording section, and the transfer-dedicated medium is issued by this selecting means. Issuing means for issuing the transfer-dedicated medium in which the information medium is housed inside the apparatus and the information read out from the information medium is recorded in the magnetic recording unit when selected, and issuance of the transfer-dedicated medium is selected by the selection means. An automatic transaction device comprising: return means for returning the information medium to the client if the information medium is not present. 8. The automatic transaction apparatus according to claim 1, wherein a selecting means for selecting issuance of a transfer-dedicated medium in which transfer-destination information relating to a transfer destination is recorded in a magnetic recording unit, and this selection means issues the transfer-dedicated medium. When selected, issuing means for issuing a transfer-only medium in which information read from the information medium is recorded in a magnetic recording unit, and information indicating that the information medium has been used is returned to the client. An automatic transaction device comprising a return means.