JPH10241043A - Transaction processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To automatically select the output format of operation guide based on personal information and to improve operability by executing operation guide for transaction processing by an output format based on read personal information and executing the transaction processing based on an instruction in the operation guide. SOLUTION: An IC card reader/writer 11 reads out a credit card number (account number) and personal information stored in a memory part of a credit card Cr and outputs the read data to a main control part 18. The main control part 18 discriminates an operation guide method based on the personal information. When the operation guide is different from normal operation guide, the operation guide is read out from a hard disk device to change the method of the operation guide. For instance when the personal information is height information that height is lower than prescribed height, the main control part 18 reads out operation guide data for a guide display screen of which characters have the same width and higher height as compared with normal display characters from the hard disk device and displays the guide display screen by using the operation guide data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing apparatus for performing transaction processing by a customer operation.

[0002]

2. Description of the Related Art Conventionally, in an automatic transaction apparatus or the like used in financial institutions, when a customer performs a payout or deposit operation, a visual display device including characters provided on the apparatus or a voice operation is provided. According to a voice output device for guidance, operations such as key input of a personal identification number and insertion of a card are performed.

However, in the above-described apparatus, the size of the characters of the operation guide displayed on the display device is limited to a predetermined size, so that the height of the customer is low and the display device is viewed from the side. In such a case, there is a problem that characters of the operation guide cannot be seen.

[0004] Further, since the size of the characters of the operation guide displayed on the display device is limited to a predetermined size, it may be difficult for the customer to see the displayed characters when the customer is nearsighted or the like. In addition, when the operation guide displayed on the display device is a color display, a specific color cannot be determined. Since the operation guide is limited to the predetermined content, there is a disadvantage that the explanation is insufficient for customers who are blind or deaf.

[0005] Further, in a device corresponding to operation guidance in a plurality of languages, for example, switching between Japanese and English is manually performed by the customer, so that there is an unnecessary selection item for a customer who does not need to switch. is there. Therefore,
There is a need for an operation guidance output mode that can be automatically selected based on personal information of a customer.

[0006]

As described above, there is a demand for an apparatus capable of automatically selecting an operation guide output mode based on personal information. It is an object of the present invention to provide a transaction processing apparatus capable of automatically selecting a guidance output mode and improving operability.

[0007]

A transaction processing apparatus according to the present invention comprises: reading means for reading personal information from a recording medium on which personal information is recorded; and an output mode based on the personal information read by the reading means. The system comprises operation guidance means for providing operation guidance for transaction processing, instruction means for instructing transaction processing based on the operation guidance means, and execution means for executing transaction processing based on instructions from the instruction means.

[0008] A transaction processing apparatus according to the present invention is a reading means for reading height information from a recording medium on which an individual's height information indicating whether the height is higher or lower than a predetermined height is recorded, and read by the reading means. Change means for changing the character size of the operation guide display of the transaction processing based on the height information, based on the operation guide display changed by this change means,
It comprises instruction means for instructing transaction processing, and execution means for executing transaction processing based on the instruction of the instruction means.

A transaction processing apparatus according to the present invention comprises: a reading means for reading personal information from a recording medium in which personal information indicating presence or absence of an obstacle to color vision of an individual is read; based on the personal information read by the reading means, Change means for changing the color of the operation guidance display of the transaction processing; instruction means for instructing the transaction processing based on the operation guidance display whose color has been changed by the change means; and transaction processing based on the instruction of the instruction means. It consists of executing means for executing.

[0010] A transaction processing apparatus according to the present invention comprises a reading means for reading personal information from a recording medium on which personal information indicating the language of the individual is recorded, and a transaction processing operation based on the personal information read by the reading means. Change means for changing the language of the voice or character to be guided, instruction means for instructing transaction processing based on operation guidance based on the language changed by this change means, and execution of transaction processing based on the instruction of this instruction means Execution means.

[0011] A transaction processing apparatus according to the present invention comprises a reading means for reading personal information from a recording medium in which personal information indicating presence / absence of an obstacle to an individual's eyes is recorded, and based on the personal information read by the reading means, Change means for changing the character size of the operation guidance display of the transaction processing, instruction means for instructing the transaction processing based on the operation guidance display whose character size has been changed by the change means, and instruction of the instruction means Executing means for executing transaction processing based on the

A transaction processing apparatus according to the present invention comprises a reading means for reading personal information from a recording medium on which personal information indicating presence / absence of an obstacle to the eyes of an individual is recorded, based on the personal information read by the reading means. Change means for changing to operation guidance of transaction processing only by voice, instruction means for instructing transaction processing by voice based on operation guidance of transaction processing only by voice by this change means, and transaction based on the instruction of this instruction means It is composed of execution means for executing processing.

A transaction processing apparatus according to the present invention comprises: reading means for reading personal information from a recording medium in which personal information indicating presence / absence of an obstacle to an individual's ear is recorded; based on the personal information read by the reading means, Change means for changing to operation guidance for transaction processing using only characters, instruction means for instructing transaction processing based on operation guidance for transaction processing using only characters by this change means, and transaction processing based on instructions from this instruction means. It consists of executing means for executing.

[0014]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows an external perspective view of a transaction processing apparatus according to this embodiment. This transaction processing device is, for example, a credit card (IC
This is a terminal that performs a reloading process as a process of adding an amount of money from a card (Cr) to an electronic money card (IC card) El as a digital cash, and a terminal that can display credit card history and points.

In FIG. 1, a card slot 2 for receiving a credit card Cr is provided in a recess at an upper portion of a front surface of a housing 1.
A card slot 3 for receiving the electronic money card El is provided.

On the horizontal surface of the upper concave portion of the housing 1, there is provided a rectangular transparent touch panel 4 through which predetermined information can be inputted by touching the surface with a finger.
A color liquid crystal display device 5 having a rectangular display screen as display means is provided opposite to the lower surface.

The touch panel 4 is, for example, a transparent touch screen which is used by being superimposed on the display screen of the liquid crystal display device 5. This is detected by a change in capacitance, shielding of infrared rays, or shielding of ultrasonic waves. Note that the touched position may be determined by a predetermined calculation by detecting a change in gravity by placing it below the liquid crystal display device 5.

The liquid crystal display device 5 displays the operation guide procedure and other information in color on the screen using characters, words, illustrations or image information, guides the user's operation, and inputs various information necessary for transactions. Display various operation keys such as numbers, katakana characters, English characters, etc., and touch a segment portion of the touch panel 4 corresponding to the displayed operation keys with a finger to input a desired key (input of various information, etc.). ) Can be done.

On the vertical surface of the upper concave portion of the housing 1, there is provided a receipt port 6 for discharging a receipt (statement) on which the transaction contents are printed. The housing 1 is also provided with a sound port (not shown) for a speaker for voice guidance to the user.

On the other hand, an IC card reader / writer 11 for a credit card Cr corresponding to the card slot 2 and an electronic money card E corresponding to the card slot 3 are provided inside the housing 1.
The IC card reader / writer 12 for the
, A receipt issuing unit 13 is provided. Further, a control unit (not shown) for controlling the apparatus is provided in the housing 1.

FIG. 2 schematically shows the overall configuration of the transaction processing apparatus described above, and includes an IC card reader / writer 11, an IC card reader / writer 12, a receipt issuing unit 13, a liquid crystal display device 5, a voice Guidance speaker unit 15,
It is composed of a hard disk device 16 as a recording unit, a communication interface 17, a main control unit 18, and a power supply unit 19 for supplying operation power thereto.

The IC card reader / writer 11 reads or writes data on the credit card Cr received from the card slot 2. The IC card reader / writer 12 reads data from or writes data to the electronic money card El received from the card slot 3.

The receipt issuing unit 13 issues a receipt on which the details of the transaction are printed, and discharges the receipt from the receipt port 6. The receipt issuing unit 13 also has a built-in mechanism for printing transaction contents on a journal.

The speaker unit 15 provides guidance for guiding a user's operation by voice. The hard disk device 16
It is used for recording various data, and stores a program of a processing procedure related to the operation of this apparatus, records various kinds of information and transactions provided for transactions, records the operation status of this apparatus, and the like. For example, operation guide data according to an output form corresponding to the user's personal information is recorded.

In response to height information indicating that the height is lower than a predetermined height as personal information, the display characters on the liquid crystal display device 5 are compared with normal display characters (see FIG. 3A) in width. The operation guidance data of the guidance display screen which is changed to a character having the same height (see FIG. 3B) is recorded.

In response to the color vision information indicating that the user has a color vision disorder (for example, red color cannot be identified) as personal information, the guidance display screen of the liquid crystal display device 5 changed from a normal color display to a black and white display. Operation guidance data is recorded.

For the myopia information, which indicates that the user has an eye disorder (myopia) as personal information, the display character of the liquid crystal display device 5 is changed to a larger character than the normal display character. Operation guidance data of the display screen is recorded.

As the personal information, the guidance of the liquid crystal display device 5 in which the voice operation guidance by the speaker unit 15 is replaced with the guidance display for the auditory information indicating that the user has a hearing impairment (hard to hear). Operation guidance data of the display screen is recorded. In this case, operation guidance data with louder operation guidance sound, or blinking or color change,
The operation guide data may be used to make the selection state and the input state easy to understand.

With respect to language information indicating the language of the user as personal information, operation guidance data of a guidance display screen of the liquid crystal display device 5 and voice operation guidance in the corresponding language are recorded.

The communication interface 17 is a communication line 2
0, it is connected online to the host computer 21 of the credit company, and communicates with the host computer 21 online as needed.

The main control unit 18 controls the entire transaction processing apparatus, and controls each device to perform a reload process and the like. The power supply unit 19 usually converts an input commercial AC voltage into a DC voltage and supplies it to each unit as an operation power supply.

As shown in FIG. 4, the credit card Cr and the electronic money card El have a CPU 31 and an EE, respectively.
Memory section 32 composed of PROM and interface 33
And an IC card including a connection unit 34.

In the memory 32 of the credit card Cr, a control program is recorded, a credit card (account) number and personal information are recorded when the card is issued, and a transaction history, transaction points, and the like are recorded when the card is used. It is to be recorded.

The personal information includes height information indicating that the user's height is lower than a predetermined height, color vision information indicating that the user has color vision impairment, and user's eye impairment (myopia). Information, indicating that the user has a hearing impairment (hard to hear), language information indicating the language of the user, and the like.

In the memory section 32 of the electronic money card El, a control program is recorded and an available amount is recorded. Next, in the configuration as described above, the reload process is described with reference to FIGS.
This will be described with reference to the flowchart shown in FIG.

For example, now a user (customer) stands in front of this device. At this time, the liquid crystal display device 5 displays "Welcome, please select the desired transaction" and a selection key of "Reload processing, history display, point display, other". (ST
1). In response to the guidance message, the user performs “reload processing”
Is pressed (touched) (ST2). Accordingly, the main control unit 18 determines that the process proceeds to the next processing step, and displays "Please insert a credit card into the right card slot" on the liquid crystal display device 5 (ST).
3).

Here, the user inserts the credit card Cr into the card slot 2 according to the guidance (ST4).
Thus, the credit card (account) number and personal information recorded in the memory unit 32 of the credit card Cr are read by the IC card read / writer 11, and output to the main control unit 18 (ST5). Then, the main control unit 18 determines the operation guidance method based on the personal information (ST).
6) If the determined operation guide is different from the normal operation guide, the operation guide is read from the hard disk device 16 and the method of the operation guide is changed (ST7).

Next, the main controller 18 controls the liquid crystal display 5
To display "Please input your password" and also display the numeric keypad (ST8). According to this guidance, the user inputs a password (ST9).

Then, by inputting the password, the main control unit 18 causes the liquid crystal display device 5 to display "Please insert an electronic money card into the left card slot" (ST1).
0). Here, the user inserts the electronic money card El into the card slot 3 according to the guidance (ST11). When the electronic money card El is inserted, the main control unit 18
Causes the liquid crystal display device 5 to display "Please enter the amount to be reloaded" and also display a numeric keypad (ST12). According to this guidance, the user inputs the amount to be reloaded (ST13).

Then, by inputting the amount to be reloaded,
The main controller 18 outputs the reload amount, the password, the card number, and the like to the electronic money card El by the IC card read / writer 12 (ST14).

The electronic money card El has an internal CPU 3
1, a reload request message including a reload amount, a password, a card number, and the like is generated (ST15), and the reload request message is transmitted to the host computer 21 via the IC card read / writer 12, the communication interface 17, and the communication line 20. (ST16).

The host computer 21 performs a credit process based on the supplied reload request message (ST).
17). That is, the host computer 21 confirms the transaction processing of the reload amount from the transaction account corresponding to the supplied card number, and if the confirmation result is OK, transmits a return message including information indicating reload permission and the reload amount. Electronic money card El via line 20, communication interface 17, and IC card read / writer 12
If the result of the confirmation is NG, a return message including information indicating reload non-permission is returned to the electronic money card El via the communication line 20, the communication interface 17, and the IC card read / writer 12.

The electronic money card El has an internal CPU 3
When the return message from the host computer 21 is composed of the information indicating the reload permission and the reload amount according to 1, the reload amount is added to the current remaining amount in the memory unit 32 (update recording), and the reload amount is stored (ST18). .

Thereafter, in the electronic money card El, the internal CPU 31 generates an end message of the reload amount adding process (ST19), and sends the end message to the IC card read / writer 12, the communication interface 17, and the communication line 2.
0 to the host computer 21 (ST2).
0).

As a result, the host computer 21
The credit process ends based on the supplied end message (ST21). The CPU of the electronic money card El
31 indicates the end message in the IC card read / writer 12
(ST22).

Then, the main controller 18 causes the receipt issuing unit 13 to issue a receipt on which the reload processing is recorded from the receipt port 6 and print the contents in a journal (ST2).
3). The main controller 18 causes the liquid crystal display device 5 to display "Please receive a receipt" (ST24). According to this guidance, the user receives the receipt (ST2).
5).

The main controller 18 transmits the reload transaction result to the credit card Cr by the IC card read / writer 11 (ST26). Thus, the CPU 31 of the credit card Cr registers the transaction result of the reload as a history in the memory unit 32, and adds and records the transaction points in the memory unit 32 (ST27).

When the receipt is removed, the credit card Cr and the electronic money card El are ejected from the card slots 2 and 3 by the main control unit 18, respectively. Please take it "(ST28). According to this guidance, the user receives the credit card Cr and the electronic money card El (ST29).

Next, in step 6, when the method of operation guidance different from the normal operation guidance is determined based on the personal information, the process of changing the operation guidance in step 7 will be described with reference to FIGS.
This will be described with reference to the flowchart shown in FIG.

That is, when the personal information is the height information indicating that the height of the back is lower than the predetermined height (ST30), the main control unit 18
Reads the operation guidance data of the guidance display screen which has been changed from the hard disk device 16 to characters having the same width and a higher height than the normal display characters (see FIG. 3A) (see FIG. 3B). (ST31), a guidance display screen is displayed on the liquid crystal display device 5 using the read operation guidance data (S31).
T32).

In this case, even if the display on the liquid crystal display device 5 can be viewed only from the side due to the height of the user, the guidance display can be easily viewed. In the case where the personal information is color vision information indicating that color vision is impaired (ST
33), the main controller 18 reads out operation guidance data on the guidance display screen in black and white display from the hard disk device 16 (ST).
34) A guidance display screen is displayed on the liquid crystal display device 5 using the read operation guidance data (ST35).

In this case, even if the user has a disability in color vision, the guidance display on the liquid crystal display device 5 can be easily viewed by the user. In the case where the personal information is myopia information indicating that the eye has a disorder (myopia) (ST3)
6) The main control unit 18 reads the operation guidance data of the guidance display screen changed to characters larger than the normal display characters from the hard disk drive 16 (ST37), and uses the read operation guidance data to display the guidance display screen. Liquid crystal display 5
Is displayed (ST38).

In this case, even if the user has an obstacle (myopia), the guidance display on the liquid crystal display device 5 can be made easier for the user. If the personal information is hearing information indicating that hearing is impaired (inaudible) (ST39), the main control unit 18 sends the hard disk device 16
Then, the operation guidance data of the guidance display screen in which the voice operation guidance is replaced with the guidance display is read (ST40), and the guidance display screen is displayed on the liquid crystal display device 5 using the read operation guidance data (ST41).

In this case, even if the hearing of the user is impaired (inaudible), all the operation guidance guided by voice to the user can be displayed on the liquid crystal display device 5.

If the personal information is language information indicating the language of the user (ST42), the main control unit 18 reads the guidance display screen of the language and the operation guidance data of the voice operation guidance from the hard disk device 16 (ST43). Using the read operation guidance data, a guidance display screen is displayed on the liquid crystal display device 5, and voice operation guidance is performed by the speaker unit 15 (ST44).

In this case, operation guidance can be provided by display and voice according to the language of the user. The display contents may be changed by combining the height information and other information.

As described above, the output mode of the operation guide is changed according to the personal information of the user. Thus, the operation guide can be automatically provided in an appropriate output mode in accordance with the user's personal information.

That is, in an apparatus used by an unspecified number of customers, guidance can be provided in a method suitable for the customer without making each customer feel inconvenience in use, and operation can be simplified.

[0059]

As described in detail above, according to the present invention,
An output mode of operation guidance can be automatically selected based on personal information, and a transaction processing device that can improve operability can be provided.

[Brief description of the drawings]

FIG. 1 is a perspective view showing an external configuration of a transaction processing apparatus according to an embodiment of the present invention.

FIG. 2 is a block diagram schematically showing an overall configuration of the transaction processing device.

FIG. 3 is a diagram showing a character having the same width and a high height as a normal display character.

FIG. 4 is a block diagram showing a configuration of an IC card.

FIG. 5 is a flowchart illustrating a reload process.

FIG. 6 is a flowchart for explaining a reload process.

FIG. 7 is a flowchart illustrating a process of changing operation guidance.

FIG. 8 is a flowchart for explaining a process of changing operation guidance.

[Explanation of symbols]

 Cr: Credit card El: Electronic money card 4: Touch panel 5: Liquid crystal display device 11, 12: IC card reader / writer 15: Speaker unit 16: Hard disk device 17: Communication interface 18: Main control unit 20: Communication line 21: Host Computer

Claims (7)

[Claims] 1. A reading means for reading personal information from a recording medium on which personal information is recorded, and an operation guide means for providing an operation guide for transaction processing in an output mode based on the personal information read by the reading means. A transaction processing apparatus comprising: instruction means for instructing transaction processing based on the operation guide means; and execution means for executing transaction processing based on instructions from the instruction means. 2. A reading means for reading height information from a recording medium storing height information of an individual indicating whether the height is higher or lower than a predetermined height, and based on the height information read by the reading means. Changing means for changing the size of the character of the operation guidance display of the transaction processing; instruction means for instructing the transaction processing based on the operation guidance display changed by the changing means; and a transaction based on the instruction of the instruction means. A transaction processing device, comprising: execution means for executing a process. 3. A reading means for reading personal information from a recording medium on which personal information indicating presence / absence of an obstacle to color vision of an individual is provided, and an operation guide for transaction processing based on the personal information read by the reading means. Change means for changing the display color; instruction means for instructing transaction processing based on the operation guide display changed in color by the change means; and execution means for executing transaction processing based on the instruction of the instruction means. And a transaction processing device comprising: 4. A reading means for reading personal information from a recording medium on which personal information indicating a personal language is recorded, and voice or text for guiding operation of transaction processing based on the personal information read by the reading means. Change means for changing the language of the instruction means; instruction means for instructing transaction processing based on operation guidance based on the language changed by the change means; execution means for executing transaction processing based on the instruction of the instruction means; A transaction processing apparatus comprising: 5. A reading means for reading personal information from a recording medium on which personal information indicating presence / absence of an obstacle to an individual's eyes is recorded, and an operation guide for transaction processing based on the personal information read by the reading means. Changing means for changing the character size of the display; instruction means for instructing a transaction process based on the operation guide display in which the character size is changed by the changing means; and a transaction based on the instruction of the instruction means. A transaction processing device, comprising: execution means for executing a process. 6. A reading means for reading personal information from a recording medium in which personal information indicating presence / absence of an obstacle to an individual's eyes is recorded, and a transaction process using only voice based on the personal information read by the reading means. Change means for changing the operation guide to the operation guide; instruction means for instructing the transaction processing by voice based on the operation guide for the transaction processing only by voice by the change means; and executing the transaction processing based on the instruction of the instruction means. A transaction processing device comprising: execution means. 7. A reading means for reading personal information from a recording medium on which personal information indicating presence or absence of an obstacle to an individual's ear is recorded, and a transaction process using only characters based on the personal information read by the reading means. Change means for changing the operation guide to the operation guide, instruction means for instructing the transaction processing based on the operation guide for the transaction processing using only characters by the change means, and execution means for executing the transaction processing based on the instruction of the instruction means And a transaction processing device comprising: