JPH0973494A - Automatic machine processing system according to individual by storing transaction operation content on medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve operability by the reduction of the burden of operation on a user by storing several pay-back amounts of money that the user has registered in advance in a storage area on a bankbook, etc., and making the user select the pay- back amount of money after inputting his or her personal identification number. SOLUTION: The data of a card includes individual information on an account number, etc. The data read in by a card reader 12 are transferred to a data analysis part 15 and the information that the user has registered is analyzed here. When it is recognized by the analysis that there is the specific pay-back amount of money in the pay-back amount registration area, the amount is displayed on a display unit 14 and the user is prompted to make a choice. The user selects the pay-back amount of money. Further, when no amount of money is registered in the pay-back amount registration area, the amount of money is inputted and once the input is completed, an automatic machine 10 communicates with a host computer 21 through a communication device 18, so that the user receives cash from a cash discharging unit 13 after the communication and completes the repayment transaction.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to operability of a user in a transaction using a card or a passbook, and a transaction can be performed by transaction operation information stored on a medium owned by the user such as a card or a passbook. It is characterized by being possible.

[0002]

2. Description of the Related Art A card or passbook is inserted into an automatic machine at a post office or a bank, and a cash deposit is made by a user operating a touch panel or a keyboard according to a guidance screen output by the automatic machine or voice guidance. It is possible to trade such as.

For example, when a user refunds cash from an account, he or she selects "refund" from the menu of the initial screen (menu screen) displayed on the screen of the automatic machine, and the order of card and passbook ( There is also the reverse) cash machine (below,
ATM). Next, the user can withdraw the designated amount of money from the ATM by inputting his / her personal identification number and the amount of refund with the touch panel or the keyboard.

However, in the process until the user withdraws cash from the ATM, several operations are required, such as inputting a personal identification number, inputting an amount of money, and pressing a confirmation key to confirm whether the amount of money is appropriate. Become. For example, when a user regularly pays back 10,000 yen from an account, the same operation must be performed each time the user pays back. To simplify this operation, JP-A-2-26
As shown in Japanese Patent No. 4358, the transaction data of a predetermined refund amount of "10,000 yen" is registered and stored in a medium, such as a card or a passbook, in which transaction data is input and registered in advance. You can solve it if you leave it. However, if this user pays back an amount other than 10,000 yen, it requires several operations as in the conventional case.

Further, at present, it is not standardized by each bank which of a card and a passbook is to be inserted into an automatic machine first, and when a user has accounts in a plurality of banks, the operation procedure varies depending on each bank. Therefore, the user is confused when performing the operation.

[0006]

The conventional method has the following problems.

That is, when using an automatic machine such as an ATM for making a transaction using a card or a passbook, there are many operations until the transaction is completed. Even in the normal case, it is necessary to enter the personal identification number and the amount of money. It is considered that PIN input (generally 4 digits input) is necessary for personal authentication and cannot be omitted or simplified, but 0 to 9 for the amount input.
The user needs to repeat the operation of the keyboard or touch panel a plurality of times with the key, ten thousand, yen key, confirmation key and the like.

Further, since the operating procedures such as the order of accepting cards and passbooks differ depending on each bank, there is a problem that users having accounts in a plurality of banks are confused in terms of operation. This problem cannot be solved unless the operating procedures of ATMs of many banks are unified.

The object of the present invention is that, firstly, transactions can be carried out based on operation procedures stored in advance on a medium owned by the user such as a card or passbook, so that the burden on the operation of the user is reduced. An object of the present invention is to provide an automatic machine processing method that achieves improved operability and improved processing speed.

As a second purpose, since transactions can be made based on the operation procedure information stored in advance on a medium such as a card or a passbook owned by the user, the ununiform operation procedure of each bank can be avoided. It is to provide an operation procedure that is not conscious of.

[0011]

[Means for Solving the Problems] First, in order to solve the reduction in the number of operations of a user, for example, in the case of “refund”, the user is registered in advance in a storage area such as a card or a passbook, or statistically The number of refund amounts determined is stored in, and the user solves the problem by selecting the refund amount after inputting the personal identification number.

Further, in order to solve the problem that the user has to be aware of the ununiform operation procedure of each bank, the user may operate according to the program information stored in the automatic machine as in the conventional case. Instead, each transaction can be performed based on the operation procedure information stored in advance on the medium owned by the user such as a card or a passbook so that the user can easily operate. As a result, the user can handle the automatic machine so that he or she can easily operate it, and can operate the automatic machine without being aware of the ununiform operation procedure of each bank.

[0013]

First, in the case of making a refund of, for example, 25,000 yen by achieving a reduction in the operation of the user, considering that pressing the keyboard or touch panel key is one operation, the refund amount is In the case of input, what requires five operations such as "2", "10,000", "5", "thousand" and "yen" is possible with one operation of "25,000 yen". In addition, the number display used to enter the amount of money in the past was difficult to see with the ten-key layout, and it took five operations to enter the amount of money.
Since it is possible with one operation, it is possible to improve the processing speed.

Secondly, since the operation procedure can be performed by a user-friendly procedure, the serviceability as an automatic machine can be improved.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below.

FIG. 1 is a flow chart showing an embodiment in which the present invention is applied to an automatic teller machine. FIG. 2 is a block diagram showing the structure of the automatic teller machine according to the present invention. Further, FIG. 3 is a simplified block diagram of a card and a passbook, which are typical media used when handling the automatic teller machine shown in FIG. FIG. 4 is an example of a registration form for registering the items necessary for realizing the operation of the user-specific cash dispenser according to the present invention.

In FIG. 2, 10 is an automatic machine, and 11
Is a card inhaler / return device for inhaling and returning cards. The card reader 12 is used for card inhalation /
Card 31 taken into the automatic machine 10 by the return device 11
Information magnetically stored in the (procedure registration area 33,
Refund amount registration area 34, passbook handling type area 35)
It is a card reader for reading. Reference numeral 13 is a cash dispenser for discharging the refund amount designated by the user as cash, and 14 is a display device for displaying an operation procedure or instruction guide to the user. A data analysis unit 15 analyzes the information data read by the card reader 12. Reference numeral 16 is a passbook inhaler / return device for inhaling and returning the passbook. A passbook reader 17 reads the information stored in the passbook. The data read by the passbook reader 17 is analyzed by the data analysis unit 15. A communication device 18 is a device for communicating between the automatic machine 10 and the host computer 21. Reference numeral 19 denotes an input device such as a keyboard or a touch panel that is operated by the user according to the instruction guide displayed on the display unit 14. 20
Is a control device, which controls information, data recording, inspection, and overall operation of the equipment from the above 11 to 19. The control device 20 controls the above devices according to a program stored inside. Reference numeral 21 is a host computer, which is connected to the automatic machine 10 by the communication device 18.

In FIG. 3, a magnetic card 31 is a magnetic card generally used in banks and post offices, and a passbook 32 is a generally used passbook. 33 to 3
5 is a part of the program information area magnetically stored in the card or the passbook, and 33 is a program information area for storing the operation procedure of the user. 3
Reference numeral 4 is a refund amount registration area for registering the refund amount of the user. Reference numeral 35 is a passbook handling type area for registering a passbook handling type. The information 33 to 35 is stored by registering the user shown in FIG. 4 when a card and a passbook are newly created.

FIG. 4 is an example of a registration sheet for preliminarily registering the information necessary for realizing the present invention in a card or a passbook. In the "registration of operation procedure", a transaction flow is registered when a user makes a refund transaction. in this case,
It is assumed that the user has registered the flow of number 1, and this information is stored in the processing procedure registration area 33 in the storage area of the user's card or passbook. In the "registration of refund amount", the amount of money when the user makes a refund transaction is registered.
It is assumed that this user has registered five amounts of money of 100,000 yen, 50,000 yen, 30,000 yen, 10,000 yen, and 5,000 yen, and this information is stored in the refund amount registration area 34. "Register as passbook"
Then, whether or not the passbook can be accepted after the card is inserted in advance is registered, and this is registered in the passbook handling type area 35.

Next, an operation when the user uses the card to make a "refund" will be described with reference to the flowchart of FIG.

First, when the user stands in front of the automatic machine 10,
The automatic machine 10 outputs an operation menu to the display 14 (flow 100). Here, when the user selects "refund" with the input device 19 (flow 101), the card,
Alternatively, the passbook insertion guide screen is output to the display device 14, and the user inserts the card 31 or the passbook 32 into the automatic machine 10 accordingly (flow 103). When you insert the card 31,
The card is transported to the card reader 12 by the card suction / return device 11 and the data of the card 31 is read (flow 104). The data of the card 31 includes the account number and the like, the processing procedure registration area 33, the refund amount registration area 3
4. There is personalized information such as the passbook handling type area 35.
The data read by the card reader 12 is transferred to the data analysis unit 15, where various information registered by the user is analyzed (flow 105).

As a result of analyzing the operation procedure registration 33 area of the card 31, since "card, passbook insertion → password input → refund amount input → end" is registered, the control device 2
0 reflects the information in the program stored in the device to determine the operation procedure.

When the card 31 has been accepted and the passbook 32 has not been accepted, as a result of analyzing the data of the card 31, if the passbook is registered in the passbook transaction type area 35 (flow 109), Display 14
A passbook insertion guidance is displayed on the screen, and the automatic machine 10 is prompted to insert a passbook (flow 113). When the acceptance of the card 31 and the acceptance of the passbook 32 are completed, next, a guidance prompting the operator to enter the personal identification number is displayed on the display 14 in accordance with the procedure in the processing procedure registration area 33, and the user inputs the input device 19 such as a keyboard or a touch panel. The security code is input by (step 114). After inputting the personal identification number, the refund amount is input, but if it is recognized by the analysis of the card data that the designated refund amount is in the refund amount registration area 34 (flow 115), the registered refund amount is displayed on the display unit 14. , Prompt the user for selection (flow 116). The amount displayed here is the amount registered in FIG. 4, and the user selects a refund amount from 100,000 yen, 50,000 yen, 30,000 yen, 10,000 yen, 5,000 yen. If the amount of money to be refunded is not registered in the refund amount registration area 34, or if the user wants to refund the amount of money other than the amount registered by the user,
"Input amount" is selected by the input device 19 and the amount is input (flow 117).

When all the input is completed, the automatic machine 10
Communicates with the host computer 21 via the communication device 18 (flow 118), and after communication, the user receives cash from the cash dispenser 13 (flow 109) and ends the refund transaction (flow 120).

This embodiment shows an example of the present invention, and it goes without saying that the present invention should not be limited to this.

[0026]

According to the present invention, the following effects can be obtained.

First of all, it is possible to reduce the number of user operations required at the time of transaction by registering the refund amount and the like in advance as shown in FIG.
In addition, since the program of the automatic machine is operated so that it is easy for the user to use, it is possible to improve the processing speed without impairing the conventional functions.

Secondly, as described in the embodiment, the operation procedure and the like are shown in FIG. 4 so as to be easily operated by a user who actually operates an automatic machine such as an automatic teller machine to carry out a transaction. It is possible to register to the user, and the automatic machine does not follow the operation procedure that was not unified in each bank as in the past, but it is done so that it is easy for the user to operate. It is possible to provide automated machines and services that are extremely easy to use.

As in the conventional method, the automatic machine is not operated mainly based on the operation procedure built into the program stored in the automatic machine, but is registered in the medium owned by the user as in the present invention. By mainly using the operating method that is
It is possible to provide a higher level of service compared to conventional automatic machines.

[Brief description of drawings]

FIG. 1 is a flowchart showing an embodiment of the present invention.

FIG. 2 is a block diagram showing an automatic teller machine in which the present invention is operated.

FIG. 3 is a diagram showing configurations of a card and a passbook.

FIG. 4 is a diagram showing an example of a registration sheet.

[Explanation of symbols]

10 ... Terminal, 16 ... Passbook inhaler / returner, 11
… Card inhaler / ejector, 17… Passbook reader, 12…
Card reader, 18 ... Communication device, 13 ... Cash dispenser, 19 ... Input device, 14 ... Display device, 20
... control device, 15 ... data analysis unit, 21 ... host computer, 31 ... card, 3
4 ... Refund amount registration area, 32 ...
Passbook, 35 ... Passbook handling type area,
33 ... Processing procedure registration area.

Claims (3)

[Claims] 1. A operability and processing speed can be improved by storing a series of transaction operation flows intended by the user on a medium owned by the user such as a card or a passbook. Automatic machine processing method characterized by that. 2. An automatic machine process characterized by reducing user operations by registering and storing transaction operation contents and transaction operation procedures on a medium owned by the user such as a card or passbook. method. 3. Processing is performed based on transaction operation information registered and recorded on a medium owned by the user, such as a card or passbook, instead of being operated by the user by guiding a program in an automatic machine. An automatic machine processing method characterized by carrying out.