JPH10283423A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To increase a customer service by allowing a customer to enjoy number lottery at the time of fixed payment by handling fixed deposit with a reward in an automatic transaction device, and increasing the attraction of the lottery by allowing the customer to immediately know whether the customer is a winner or a loser. SOLUTION: This automatic transaction device capable of the payment processing of fixed deposit is provided with a displaying part 1 for displaying information to a customer, inputting part 2 for accepting an inputting operation, and passbook handling part 4 for accepting and processing the passbook of the customer. Also, this device is provided with a controlling part 6 which allows the customer to input an arbitrary symbol when the customer operates the payment processing of fixed deposit, discriminates whether the customer is a winner or a loser based on the symbol, and communicates it to the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus such as a cash automatic depositing / dispensing apparatus used in financial institutions and the like, and more particularly to an automatic transaction apparatus for handling time deposits with prizes.

[0002]

2. Description of the Related Art Some automatic transaction devices for depositing, withdrawing, transferring and transferring cash can handle time deposits. FIG. 6 is a flowchart showing a conventional example.
The general flow of a regular payment transaction will be described for each step shown in FIG. S1: The customer selects an arbitrary transaction from the menu of the transaction selection screen displayed on the display unit. Here, a description will be given assuming that “regular payment” is selected.

S2: Waiting for passbook insertion, customer inserts passbook into passbook insertion slot. S3: Waiting for selection of cash transfer or transfer from ordinary account. Here, it is assumed that the customer has selected "transfer from ordinary account". S4: Waiting for card insertion, the customer inserts the card into the card insertion slot. S5: Waiting for the input of a password, the customer inputs the password.

[0004] S6: Waiting for the input of the deposit amount, the customer inputs the amount of the regular deposit. S7: The automated teller machine sends the personal identification number, the entered amount and the data of the account number recorded on the card to the host system, and determines that the received account has a corresponding account and can be transferred. Then, a transferable electronic message is transmitted from the host system to the automatic transaction apparatus.

[0005] S8: Waiting for selection of a due date and a periodical continuation method, and the customer selects a due date of the time deposit and a continuation method of the time deposit. S9: Waiting for confirmation of regular account contents, S6 and S8
The information entered in is displayed again. After confirming the information, the customer presses the confirmation key. S10: The automatic transaction apparatus sends a message to the host system to make an inquiry. The host system receives the message, the transaction is completed, and transmits the transaction completed message to the automatic transaction device.

S11: Waiting for receipt of a card, receipt and passbook, the customer receives the card, receipt and passbook, and the process ends. If the customer selects cash deposit in S3, the processes from S4 to S7 may be replaced with the normal cash deposit procedure, and the other processes are the same.

[0007]

In recent years, financial products such as time deposits with prizes have become popular. This is a financial product in which a lottery is performed for customers who have contracted for a time deposit, and the winning customer receives a prize money. The current automated teller machine does not support time deposits with prize money, and the handling must be done by staff members at the counters of financial institutions.

Further, since the lottery results are announced on a predetermined date, it is not possible to know the lottery results on the spot where the contract is made.

[0009]

SUMMARY OF THE INVENTION The present invention has a display unit for displaying information to a customer, an input unit for receiving an input operation, and a passbook handling unit for receiving and processing a customer's passbook. In an automatic transaction device capable of deposit processing, when a customer deposits a time deposit, the customer is required to input an arbitrary symbol, and based on the symbol, a winning or losing judgment is made, and control is performed so as to notify the customer. A control unit is provided.

[0010]

Embodiments of the present invention will be described below with reference to the drawings. [First Embodiment] FIG. 1 is a block diagram showing a configuration of an embodiment, and an automatic transaction apparatus according to the present invention will be described with reference to FIG.

Reference numeral 1 denotes a display unit, which comprises, for example, a liquid crystal display, a CRT, or another display device, and displays information to a customer. An input unit 2 includes, for example, a touch panel provided on the screen of the display unit 1 or a keyboard provided near the display unit 1 and accepts an input operation of a customer. 3 is a card reader as a card handling unit,
It accepts various cards such as a cash card and reads information such as a magnetic stripe which is an information recording unit provided on the card. The card reader 3 may be a card reader / writer capable of reading and writing a card.

Reference numeral 4 denotes a passbook entry section as a passbook handling section, which prints on a customer's passbook. The passbook entry section 4 may be capable of reading and writing information from / to a magnetic stripe or the like, which is an information recording section provided in the passbook. Reference numeral 5 denotes a cash receiving / dispensing unit serving as a cash handling unit. The cash receiving / dispensing unit 5 can pay out stored cash to a customer, and can receive and store cash of the customer.

Reference numeral 6 denotes a control unit which controls the above units, connects to a host system 9 via an interface unit 7 and a communication line 8, and performs various transactions on the basis of an input operation by a customer and communication with the host system 9. Execute and make the automatic transaction equipment function. The present invention is realized by the control unit 6 of the automatic transaction apparatus having the above-described configuration executing a program stored in a storage unit such as a memory or a hard disk (not shown). The feature is that it is possible. The program may be provided by being stored in a magnetic tape or a disk, an optical storage device, a semiconductor memory, or other various storage media.

In the present embodiment, a description will be given assuming that a term deposit with a prize money that incorporates a number lottery element is handled. The number winning lottery is based on a method of allowing a customer to specify an arbitrary number and determining whether the number has been won or lost. It is sufficient that the customer designates a symbol such as a letter, a number, or a sign, and it is not particularly limited to a number.However, since it is common to designate a number, the present invention will be described in the following. The case where the method is applied will be described.

In order to carry out the numbering, a winning number is determined in advance and notified to the automatic transaction apparatus. The automated teller machine determines the winning / losing by comparing the number input by the customer with the winning number. Further, the winning number may be stored in the host system 9 side. In this case, the automatic transaction apparatus notifies the host system 9 of the number input by the customer, and the host system 9 determines the winning / losing. Is performed, and a message indicating the hit is sent back to the automatic transaction device.

FIG. 2 is a flowchart showing the first embodiment, and each step in the figure will be described. Sa1: From the menu on the transaction selection screen displayed on the display unit 1, the customer selects an arbitrary transaction. Here, a description will be given assuming that “periodic deposit with number lottery” is selected.

Sa2: Waiting for passbook insertion, customer inserts passbook into passbook insertion slot (not shown). Sa3: Waiting for selection between cash deposit and transfer from the ordinary account, the customer operates the input unit 2 with reference to the display on the display unit 1. Here, description will be made assuming that the customer has selected "transfer from ordinary account".

Sa4: Waiting for card insertion, customer inserts card into card insertion slot (not shown). The card is taken in and conveyed, and the card reader unit 3 reads the magnetic stripe information. Sa5: Waiting for the input of a personal identification number, the customer operates the input unit 2 using the numeric keypad or the like displayed on the display unit 1 and inputs the personal identification number.

Sa6: Waiting for the input of the deposit amount, the customer inputs the amount of the regular deposit. Sa7: The automated teller machine transmits the data of the personal identification number, the inputted amount and the account number recorded on the card to the host system 9, and the host system 9 which has received the data can transfer the data by the existence of the corresponding account. If it is determined that there is
A transferable message is transmitted from the host system 9 to the automatic transaction apparatus.

Sa8: Waiting for selection of due date and periodical continuation method, the customer selects the due date of time deposit and the continuation method of time deposit. Sa9: Waits for confirmation of the periodic account contents, and displays the information input in Sa6 and Sa8 again. After confirming the information, the customer presses the confirmation key. At this time, a guidance to the effect that the screen will be changed to a screen for inputting a number for the next lottery is displayed on the display unit 1.

Sa10: Wait for input of a favorite number. FIG. 3 is an explanatory diagram showing an example of a screen according to the embodiment, and shows an example of the screen here. In this way, the display unit 1 displays "Please enter your favorite number", and the customer sees this and operates the numeric keypad 11 to input the desired number. The entered number is displayed in the number display section 12
Is displayed, and the customer can know whether or not the number input by himself is correctly recognized. In the example shown in FIG. 3, the number of digits of the number is eight, but the number is not limited to this, and the number can be set in advance and operated.

If a wrong number is entered, the user can operate the correction key attached to the numeric keypad 11 to re-enter the number. If the input is correct, the confirmation key 13 is pressed. If the user wishes to cancel the transaction, he or she can press the cancel key 14. Sa11: When the customer's confirmation key 13 is detected, the automated teller machine sends a message to the host system 9 to make an inquiry. The host system 9 receives the message, the transaction is completed, and transmits the transaction completed message to the automatic transaction device.

When the automatic transaction apparatus determines a hit, the hit is determined here. Further, when the host system 9 makes a hit determination, the automatic transaction apparatus sends the host system 9
The number entered by the customer is incorporated in the message transmitted to the customer, and the host system 9 determines the hit and notifies the automatic transaction device. When a winner is won, the winning number is erased so that the customer does not remember and use the winning number many times, and the number is not determined to be won from the next time.

Sa12: The result of the winning / losing is displayed on the display unit 1 to notify the customer. Here, when the customer presses the confirmation key, the processing shifts to Sa13. In addition,
Here, the cancellation key is not displayed, so that the customer cannot request the cancellation of the transaction. Sa13: The card, receipt, and passbook are waiting to be received, the customer receives the card, receipt, and passbook, and the process ends. At this time, a notice indicating a hit may be issued to the customer. Winning customers will receive a prize at the counter.

In the above flowchart, Sa
In 1, the term deposit may be selected, and the term deposit with the number lottery may be selected by selecting the date and term continuation method of Sa8. As described above, by making it possible to handle a time deposit with a prize by the automatic transaction apparatus, it becomes possible to immediately recognize the winning and the attractiveness as a lottery increases.

[Second Embodiment] In the present embodiment, the configuration of the first embodiment is applied to a winning customer.
The feature is that prize money can be paid on the spot. FIG. 4 is a flowchart showing the present embodiment, and each step in the figure will be described.

Sb1: From the menu on the transaction selection screen displayed on the display unit 1, the customer selects an arbitrary transaction. Here, a description will be given assuming that “periodic deposit with number lottery” is selected. Sb2: Waiting for passbook insertion, the customer inserts the passbook into a passbook insertion slot (not shown).

Sb3: Waiting for selection between cash deposit and transfer from the ordinary account, the customer operates the input unit 2 with reference to the display on the display unit 1. Here, description will be made assuming that the customer has selected "transfer from ordinary account". Sb4: Waiting for card insertion, the customer inserts the card into a card insertion slot (not shown). The card is taken in and conveyed, and the card reader unit 3 reads the magnetic stripe information.

Sb5: Waiting for the input of a personal identification number, the customer operates the input unit 2 using the numeric keypad or the like displayed on the display unit 1 to input the personal identification number. Sb6: Waiting for the input of the deposit amount, the customer inputs the amount of the periodic deposit. Sb7: The automated teller machine transmits the data of the personal identification number, the entered amount and the account number recorded on the card to the host system 9, and the received account exists on the host system 9 side and the transfer is possible. If it is determined that there is
A transferable message is transmitted from the host system 9 to the automatic transaction apparatus.

Sb8: Waiting for selection of due date and periodical continuation method, the customer selects the due date of time deposit and the continuation method of time deposit. Sb9: The system waits for confirmation of the periodic account contents, and displays the information input in Sb6 and Sb8 again. After confirming the information, the customer presses the confirmation key. At this time, a guidance to the effect that the display will be shifted to a screen for inputting a number next is displayed on the display unit 1.

Sb10: Wait for input of a favorite number. FIG. 3 is an explanatory diagram showing an example of a screen according to the embodiment, and shows an example of the screen here. In this way, the display unit 1 displays "Please enter your favorite number", and the customer sees this and operates the numeric keypad 11 to input the desired number. The entered number is displayed in the number display section 12
Is displayed, and the customer can know whether or not the number input by himself is correctly recognized. If a number is incorrectly entered, the user can operate the correction key attached to the numeric keypad 11 to re-enter the number. If the input is correct, the confirmation key 13 is pressed. If the user wants to cancel the transaction, he or she can press the cancel key 14.

Sb11: Upon detecting that the customer presses the confirmation key 13, the automated teller machine sends a message to the host system 9 to make an inquiry. The host system 9 receives the message, the transaction is completed, and transmits the transaction completed message to the automatic transaction device. When the automated teller machine makes a hit determination, the hit is determined here. When the host system 9 makes a hit determination, the number input by the customer is incorporated in a message transmitted from the automatic transaction device to the host system 9, and the host system 9 determines the hit and notifies the automatic transaction device. I decided to.

When a winner is won, the winning number is erased so that the customer does not remember the winning number and use it many times, so that the number is not determined as a winning from the next time. . Sb12: The result of the winning / losing is displayed on the display unit 1 to notify the customer. Here, the cancellation key is not displayed, so that the customer cannot request the cancellation of the transaction. In the case of winning, a predetermined amount is withdrawn from the cash deposit / withdrawal unit 5 and the customer is paid a prize money. The customer does not need to go to the window and can receive the prize money on the spot.

Sb13: Waiting for receipt of the card, receipt, and passbook, the customer receives the card, receipt, and passbook, and the process ends. In the above description, the customer receives the prize money in cash. However, the prize money may be deposited in the customer's savings account. [Third Embodiment] This embodiment is directed to the first or second embodiment.
Is characterized in that a customer's number input can be accepted a plurality of times. This means that if the amount of regular payment or the frequency of use of the customer's automatic transaction device is high, the number of times of number input is increased to increase the winning rate.

Sc1: The customer selects an arbitrary transaction from the menu on the transaction selection screen displayed on the display unit 1. Here, a description will be given assuming that “periodic deposit with number lottery” is selected. Sc2: Waiting for passbook insertion, the customer inserts the passbook into a passbook insertion slot (not shown).

Sc3: Waiting for selection between cash deposit and transfer from the ordinary account, the customer operates the input unit 2 with reference to the display on the display unit 1. Here, description will be made assuming that the customer has selected "transfer from ordinary account". Sc4: Waiting for card insertion, the customer inserts the card into the card insertion slot (not shown). The card is taken in and conveyed, and the card reader unit 3 reads the magnetic stripe information.

Sc5: Waiting for the input of a personal identification number, the customer operates the input part 2 using the numeric keypad or the like displayed on the display part 1 to input the personal identification number. Sc6: Waiting for input of the deposit amount, the customer enters the amount to be paid regularly. Sc7: The automated teller machine transmits to the host system 9 the data of the personal identification number, the input amount and the account number recorded on the card. When it is determined that the corresponding account exists and can be transferred, the host system 9 determines the upper limit number of the number input based on the information such as the regular deposit amount and the frequency of use of the customer's automatic transaction device. . Host system 9
Embeds the upper limit number of the number input into the electronic message together with the information indicating that the transfer is possible, and returns it to the automatic transaction device.

Sc8: Waiting for selection of the due date / period continuation method, the customer selects the due date of the time deposit and the continuation method of the time deposit. Sc9: Waiting for confirmation of the periodic account contents, and the information input in Sc6 and Sc8 is displayed again. After confirming the information, the customer presses the confirmation key. At this time, a guidance to the effect that the display will be shifted to a screen for inputting a number next is displayed on the display unit 1.

Sc10: Waiting for input of a favorite number. The display unit 1 displays "Please enter your favorite number", and the customer operates the input unit 2 after seeing this.
Enter the desired number. Here, the number of number inputs performed by the customer is counted and stored. Sc11: The number of number input performed by the customer is compared with the upper limit number sent from the host, and if the number of number input does not reach the upper limit number, Sc is input to re-enter the number.
The processing is returned to 10, but if the upper limit has been reached, Sc1
The process proceeds to 2. When the customer inputs the same number a plurality of times, the process returns to Sc10 without counting the duplicated number as the number of times of inputting, and the user is asked to input again.

Sc12: The automatic transaction apparatus sends a message to the host system 9 to make an inquiry. The host system 9 receives the message, the transaction is completed, and transmits the transaction completed message to the automatic transaction device. If the automatic transaction apparatus decides to make a hit, the hit is determined here. When the host system 9 makes a hit determination, the number input by the customer is incorporated in a message transmitted from the automatic transaction device to the host system 9, and the host system 9 determines the hit and notifies the automatic transaction device. I decided to.

When a winner is won, the winning number is erased so that the customer does not remember the winning number and use it many times, so that the number is not determined as a winning from the next time. . Sc13: The result of the winning / losing is displayed on the display unit 1 to notify the customer. Here, the cancellation key is not displayed, so that the customer cannot request the cancellation of the transaction.

Sc14: Waiting for receipt of a card, receipt, and passbook, the customer receives the card, receipt, and passbook, and the process ends. Payment of the prize money in the case of winning may be made at the counter as in the first embodiment, or may be made with an automatic transaction device as in the second embodiment. As mentioned above,
By increasing or decreasing the number of times the number is designated according to the use status of other services, it is possible to work to increase the amount of money paid to the customer and to promote the use of other services.

In the first to third embodiments,
It has been described that the winning number is determined in advance, and the winning determination is performed by comparing the number input by the customer with the winning number, but instead of defining the winning number in advance, an algorithm for determining the winning is prepared. Then, the winning / losing may be generated with a predetermined probability. This algorithm uses the number specified by the customer as an input value and makes a judgment by generating a random number, but it fluctuates such as the time of execution of the transaction so that the same number is not always won. Data may also be used as input values.

In the first to third embodiments, the automatic transaction apparatus has been described mainly assuming an automatic cash dispensing / dispensing apparatus such as a bank. However, the present invention is not limited to this. It can also be applied to consumer finance financing terminals and the like. Further, the processing described in each of the above embodiments is realized by a program, and the program is provided by being recorded on a recording medium.

[0045]

As described in detail above, the automatic transaction device can handle time deposits with prize money,
The customer can enjoy the number lottery at the time of regular payment, and can immediately recognize the winning at that time, thereby increasing the attractiveness as a lottery and improving customer service.

Further, by paying the prize money on the spot, the response at the counter becomes unnecessary, so that not only the trouble of the customer can be reduced, but also the burden on the counter business can be reduced and the work efficiency can be improved. It has the effect of doing.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of an embodiment.

FIG. 2 is a flowchart showing a first embodiment.

FIG. 3 is an explanatory diagram showing an example of a screen according to the embodiment;

FIG. 4 is a flowchart showing a second embodiment.

FIG. 5 is a flowchart showing a third embodiment.

FIG. 6 is a flowchart showing a conventional example.

[Explanation of symbols]

 1 display section 2 input section 4 passbook handling section 5 cash handling section 6 control section

Claims (5)

[Claims] 1. An automatic transaction apparatus having a display unit for displaying information to a customer, an input unit for receiving an input operation, and a passbook handling unit for receiving and processing a passbook of the customer, and capable of processing for depositing a time deposit. In the above, when the customer deposits the time deposit, a control unit is provided which controls the customer to input an arbitrary symbol, determine winning or losing based on the symbol, and notify the customer. And automatic transaction equipment. 2. A cash handling unit according to claim 1, further comprising a cash handling unit for handling cash, and a control unit for controlling to take out a predetermined amount of cash from said cash handling unit and to pay the customer as a prize money in case of winning. Automatic transaction device characterized by the above-mentioned. 3. A control unit according to claim 1, further comprising a control unit configured to enable input of a symbol a plurality of times and to increase or decrease the number of symbol inputs in accordance with a deposit amount and a customer. Automatic transaction equipment. 4. A winning symbol according to claim 1, 2 or 3, wherein a winning symbol is determined in advance, and if the symbol input by the customer matches the winning symbol, it is determined that the winning has occurred. An automatic transaction device comprising a control unit for performing control to make a determination. 5. A control according to claim 1, 2 or 3, wherein a symbol input by a customer is used as an input value, and a calculation is performed based on the input value to generate a winning with a predetermined probability. An automatic transaction device, comprising: