JPH0981835A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent the generation of an error transaction or a transaction with an error amount by displaying a transaction name and an amount on the screen of a customer operation part in addition to the display of processing during the processing of transaction contents specified by a certain customer and validating the depression of a cancel key by the customer until immediately before the ejection of a cash card. SOLUTION: A customer inserts a cash card into a card inserting port 2 in accordance with a guide on the screen, inputs an amount and depresses a check key displayed on the lower right side of the screen. When the check key is depressed, communication with a host computer is started and prescribed cashing processing can be executed. During the processing of the transaction contents, characters or an illustration indicating the processing are displayed on the screen. During the period, the transaction name and the amount specified by the customer are displayed on the screen and the release or depression of a cancel key by the customer is validated up to immediately before the ejection of the cash card. Consequently an error transaction or a transaction with an error amount can be eliminated.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine used in financial institutions such as banks, post offices and credit companies.

[0002]

2. Description of the Related Art Conventionally, in a payment (withdrawal) transaction or a cashing (lending) transaction, this type of device communicates with a host computer by pressing a confirmation key after the customer inputs the amount of money and performs a predetermined process. I was paying cash.

[0003]

However, in the conventional case, if the customer notices a mistake and presses the cancel key before pressing the confirmation key, the transaction can be stopped.
There is a problem that the transaction cannot be canceled after pressing the confirmation key.

In other words, he / she notices a mistake in transaction selection, such as making a cashing transaction even though he originally intended to make a payment transaction, and a mistake in specifying the amount, such as intending to withdraw 10,000 yen but withdrawing 100,000 yen. However, after pressing the confirmation key, the transaction could not be stopped midway.

[0005]

SUMMARY OF THE INVENTION In order to solve the above problems, the present invention provides an automatic cash transaction apparatus which displays a transaction on a screen of a customer operation unit while processing transaction contents designated by a customer. In addition to the display, the transaction name and amount are displayed, and the customer's pressing of the cancel key is valid until just before the cash card is discharged.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a transaction flow chart showing an embodiment of the present invention, FIG. 2 is a perspective view showing the appearance of an automated teller machine to which the present invention is applied, and FIG. It is a block diagram.

2 and 3, the automatic teller machine is provided with a passbook insertion slot 1, a card insertion slot 2, a cash insertion / ejection slot 3 and a customer operation section 4.

The passbook inserted by the customer through the passbook insertion slot 1 is subjected to the passbook entry machine 5 shown in FIG. 3 to identify the passbook and print the results of deposit transactions, payment transactions and the like.

The card reader / writer 6 shown in FIG. 3 identifies the cash card inserted by the customer through the card insertion slot 2 and processes the results of deposit transactions, payment transactions, and the like.

The cash depositing / dispensing machine 7 accepts bills deposited by the customer through the cash slot 3 and dispenses bills to the customer.

The customer operation unit 4 has an operation key for the customer to input a deposit amount, a payment amount, a personal identification number, and the like, and a display unit for displaying characters and illustrations for the input amount and operation guidance on the screen. However, in the embodiment of the present invention,
An example in which operation keys are displayed on a touch panel screen is shown.

The storage device 8 is a device for storing various information,
The interface unit 9 is a device that serves as an interface when communicating with a host computer, and the control unit 10 is a device that controls each device or the like that constitutes the automatic teller machine.

Next, a transaction according to an embodiment of the present invention will be described with reference to FIG. 1 by taking cashing as an example.

First, in step S1, the customer looks at the transaction menu displayed on the screen of the customer operation unit 4 and selects cashing, and presses the touch panel type "caching".

In step S2, the customer inserts a cash card from the card insertion slot 2 of FIG. 2 according to the guidance on the screen.

In step S3, the amount of money, for example, 12,000 yen is input, and the "confirm" key displayed on the lower right side of the screen is pressed.

In step S4, the confirmation key is pressed to communicate with the host computer to perform a predetermined caching process.

While the transaction contents are being processed, the characters "in process" and "in process" are displayed on the screen with illustrations and the like. At this time, the transaction name and the amount designated by the customer are displayed on the screen, and the customer's "cancel" key is released, that is, the pressing of the cancel key is valid until just before the cash card is ejected.

Here, when the customer notices that the transaction content designated by him / her, that is, the transaction name or the amount of money, is wrong,
Press the "Cancel" key.

In the automatic teller machine, step S6, that is,
It is determined whether the "Cancel" key was pressed immediately before the cash card was ejected.

When the "Cancel" key is not pressed, the normal processing as normal transaction proceeds.

If the "cancel" key has been pressed, communication is performed with the host computer in step S7, and a message requesting correction of the transaction is transmitted to correct the current transaction.

When the correction of the current transaction is completed, step S8
The cash card is returned to the customer and the processing ends.

In the above cases, the transaction name and the amount of money can be easily displayed if the transaction contents are displayed on the screen together with the display of "Processing". May be.

Further, in the judgment of pressing the "cancel" key, information indicating that the cancel key has been pressed is stored in the storage device 8 when the cancel key is pressed, and the storage area immediately before the cash card is discharged. Can be performed by referring to.

[0026]

As described above, according to the present invention, even after the customer presses the confirmation key, the transaction contents are displayed together with the display of the processing in progress, and the cancel key is enabled, so that the cash card is ejected. If you notice a mistake just before, you can cancel the transaction and you can eliminate the wrong transaction or the transaction of the wrong amount.

[Brief description of drawings]

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

FIG. 2 is a perspective view showing the appearance of an automated teller machine to which the present invention is applied.

[Figure 3] Similarly, its block diagram

[Explanation of symbols]

 4 Customer operation part 6 Card reader / writer 7 Cash deposit / withdrawal machine

Claims (1)

[Claims] 1. An automatic teller machine having a cash depositing / dispensing machine, a card reader / writer, and a customer operation unit, while the transaction content designated by the customer is being processed, a message is displayed on the screen of the customer operation unit. In addition to the display, the transaction name and amount are displayed, and the customer's pressing of the cancel key is enabled until just before the cash card is ejected.