JPH1091844A - Transaction processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a confirming function of high-level service which clearly tells whether a medium is inserted in a proper direction or not, by displaying the receiving picture of the medium so as to allow a customer to confirm the direction of the medium. SOLUTION: When the customer selects and touch inputs a paying key in order to execute money outputting transaction, a card insertion guide, 'insert your card' is displayed on the display picture of CRT12. When the customer inserts a double stripe card to a card insertion port according to this, the whole surface of the inserted double stripe card is read by an image reader and an image picture obtained by catching the surface of this read double stripe card is displayed with the password inputting picture of CRT 12. The customer knows the propriety of whether the inserting operation of the inserted double stripe card is in a proper direction or not at a glance. When it is correct, the customer input-operates a password number continually and when the password is judged to be proper, the money output inputting picture is displayed on CRT 12 to input-operate the amount.

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 such as an automatic teller machine (ATM) for handling a medium such as a card or a bill, and more particularly, to a display guide for an erroneous insertion operation of a medium to accurately solve the operation. The present invention relates to a transaction processing device that can be used.

[0002]

2. Description of the Related Art In recent years, a transaction processing apparatus such as an ATM installed in a financial institution has a multifunctional function that allows a plurality of types of transaction accounts, such as ordinary accounts, fixed-term accounts, savings accounts, etc., to be put together in one passbook and allowed to conduct transactions. A multifunctional card such as a passbook or a double-stripe card that allows a plurality of accounts and transactions with one card is used.

However, in such a multifunctional passbook or multifunctional card, since the insertion direction at the time of data processing is determined for each account, if this insertion direction is inserted incorrectly, a customer's transaction request is made. There has been a problem that a deposit is debited from an account different from the account, or a transfer process is performed, and an unintended transaction is executed, so that troubles easily occur.

[0004]

SUMMARY OF THE INVENTION Accordingly, the present invention provides a method for receiving a medium and displaying a received image of the medium to allow a customer to confirm the orientation of the inserted medium when a transaction is received.
It is an object of the present invention to provide a transaction processing apparatus having a high-serviceability confirmation function for clearly confirming whether or not a medium is inserted in an appropriate direction.

[0005]

According to the first aspect of the present invention,
A transaction processing device that receives a medium and starts a transaction,
It is characterized by comprising receiving means for receiving the medium, and display means for displaying a received image of the medium received by the receiving means.

According to a second aspect of the present invention, there is provided a transaction processing apparatus for receiving a medium and starting a transaction, comprising: a receiving means for receiving the medium; and a display means for displaying a received image of the medium received by the receiving means. And an instruction input means for instructing the customer whether or not to make a transaction based on the reception image displayed on the display means.

According to a third aspect of the present invention, there is provided a medium reversing means for reversing the direction of the transport direction of the received medium when a transaction refusal instruction is input by the instruction input means.

According to a fourth aspect of the present invention, there is provided an electronic apparatus comprising: a judging means for judging whether the medium is valid or invalid; and characteristic display means for characterizing and displaying the invalid contents when the judging means judges that the medium is invalid. Features.

[0009] The invention according to claim 5 is characterized in that a return means is provided for returning the invalid medium when it is determined that the medium received at the start of the transaction is invalid.

[0010]

According to the present invention, when a medium is received at the start of a transaction and a transaction is made, the receiving means receives the medium and simultaneously displays the received image of the medium on the display means.
Similarly, when accepting and transacting a medium, the medium accepted by the accepting means is accepted, and at the same time, the accepted image of the medium is displayed by the display means, and the instruction input means is provided to the customer based on the displayed accepted image. The user is instructed to input whether or not to make a transaction.

[0011] When the transaction input is instructed by the instruction input means, the medium reversing means reverses the direction of the transport direction of the received medium. When the determining means determines that the medium is invalid, the characteristic display means characterizes and displays the invalid contents. Further, when the determining unit determines that the medium is invalid, the returning unit returns the invalid medium.

[0012]

As a result, when the customer accepts the medium to be used for the transaction at the start of the transaction, the customer inserts the medium in the proper direction or in the opposite direction to immediately display the received image of the medium to the customer. If the medium is inserted in the wrong direction at a glance, the error is clearly identified at the start of the transaction. Further, at this time, if the configuration is such that the direction of the insertion direction of the medium is allowed to be reversed, it is possible to change the direction to the appropriate direction when an error is noticed and continue the transaction as it is. Further, if the medium is allowed to be returned at the start of the transaction, the operation can be performed again immediately. Further, when the medium is determined to be invalid due to deformation or the like, if the portion is characterized and displayed and guided, the cause of the invalidity can be clearly indicated and notified. Therefore, the erroneous insertion operation of the medium due to the mistake of the customer is surely reduced, and a highly reliable transaction in which the occurrence of trouble is sufficiently suppressed can be performed.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below in detail with reference to the drawings. Figure 1 shows an ATM1 installed in a financial institution such as a bank
The ATM 11 has a CRT on the front of the upper part of the apparatus main body, which also serves as a touch panel for guiding the customer to the transaction operation.
12, a passbook insertion slot 13, a card insertion slot 14, a coin slot 15, a bill slot 16, a handling indicator 17, etc., to perform transactions such as deposit, withdrawal, transfer, passbook entry, balance inquiry and the like. Accept.

FIG. 2 is a block diagram showing a control circuit of the ATM. A CPU 21 controls each circuit device according to a program stored in a ROM 22 and stores control data in a RAM 2.
At step 3, it is stored in a readable manner.

The above-mentioned CPU 21 has an interface 2
4, the CRT 12, the passbook processing unit 25, the card processing unit 26, the coin processing unit 27, the bill processing unit 28, the statement processing unit 29, the journal processing unit 30, the center communication processing unit 31,
A remote monitoring device (CRMC) communication processing unit 32 and a staff panel processing unit 33 are connected.

Among them, the CRT 12 has a touch input function for displaying various transaction display guides and operation procedures thereof, and for allowing a touch input corresponding to a display portion displayed on the screen.

The passbook processing section 25 reads the transaction data of the passbook inserted into the passbook insertion slot 13 and writes and updates the data. The passbook print section performs the entry processing of the transaction data and unregistered data in the print field of the passbook. Further, the passbook is returned to the passbook insertion slot 13 when the transaction is completed or canceled.

The card processing section 26 reads the transaction data of the cash card inserted into the card insertion slot 14, writes and processes the updated data, and discharges the card to the card insertion slot 14 when the transaction is completed or canceled.

The coin processing unit 27 takes in the coins inserted into the coin entrance 15 to receive and process the coins, and discharges the coins from the coin entrance 15 at the time of withdrawal and withdrawal of the deposit.
The banknote processing unit 28 takes in the banknotes inserted into the banknote entry / exit 16 and performs a receiving process, and discharges the banknotes from the banknote entry / exit 16 at the time of withdrawal and at the time of deposit cancellation. The statement processing unit 29 issues a statement in which transaction data of various transaction contents such as deposit / withdrawal transactions and balance inquiry is described for each transaction. The journal processing unit 30 stores a journal (copy slip) having the same recording content inside the apparatus every time a statement slip is issued, and records the error code in the journal together with an error code when a failure occurs.

The center communication processing unit 31 transmits the edited deposit / withdrawal request message, bookkeeping request message, etc. to the center 34, and receives and processes the automatic transaction data such as the deposit / withdrawal answer and bookkeeping data sent from the center 34. I do.

The CRMC communication processing unit 32 transmits the detection data of the ATM 11 to the CRMC, and receives and processes response data such as failure recovery data returned from the CRMC.
The clerk panel processing section 33 handles a clerk panel provided inside the ATM to execute a clerk operation such as a failure recovery operation or a maintenance check.

When a card is inserted into the card slot 14 at the start of a transaction, the CPU 21 displays the inserted card on the CRT 12 as it is, and asks the customer whether or not the card is inserted in an appropriate direction. It has a card display function to make it visible.

For example, when a multi-function card such as a double-stripe card which allows two types of accounts on one card and permits transactions is used, the insertion direction at the time of data processing determined for each account is changed. Whether they match or not can be determined at a glance.

[0024] Thus, it is possible to avoid withdrawal of a deposit from another account and transfer processing from another account due to an incorrect insertion direction. In particular, even if the card is inserted into the card insertion slot 14 at the start of the transaction and is separated from the customer,
Since the insertion direction of the card is clearly displayed on the CRT 12, the customer can clearly grasp the card inserted into the ATM 11 as if looking through the device, thereby improving the handling operability of the card for the customer.

FIG. 3 shows an image reader 35 for detecting the state of insertion of a card. The image reader 35 has an LED 37 serving as a light source and an LED 37 serving as a light source on a card transport path 36 communicating with the inside of the card insertion slot 14. And an image sensor 39 for receiving a reflected light beam 38 irradiated at a fixed angle from
LED 37 illuminates the card surface when
Is reflected by the image sensor 39, and the read image data of the card C is immediately
The display is controlled so that it is output on the screen.

The processing operation of the dispensing transaction using the ATM 11 configured as described above will be described with reference to the flowchart of FIG. 4 and the display guide map of the CRT 12 of FIGS. The ATM 11 normally displays transaction items such as deposit, withdrawal, transfer, passbook entry, balance inquiry, etc. on the CRT 12 and stands by for transaction. In this standby state, the customer selects and touches a payment key to perform a withdrawal transaction. When input (step n1),
Subsequently, as shown in FIG. 5, a card insertion guide "Please insert a card" is displayed on the display screen of the CRT 12,
When the customer inserts the double-stripe card C into the card slot 14 (steps n2 to n3) in accordance with this, the entire surface of the inserted double-stripe card C is read by the image reader 35, and the read double-stripe card C is read. As shown in FIG. 6, the image image of the captured surface is displayed together with the password input screen of the CRT 12 (steps n4 to n5).
At this point, it is clear at a glance whether the inserted operation of the inserted double stripe card C is in the proper direction or not. At a glance, if the correct operation is performed, the user inputs the personal identification number. As shown in FIG. 7, a withdrawal input screen is displayed on the CRT 12, and the amount requested by the customer is input. At this time, a display screen that captures the direction of the double stripe card C insertion operation is also displayed on the CRT 12 on the dispensing input screen.

FIG. 8 shows an image reader 81 according to another embodiment of the present invention. The image reader 81 moves along a card transport path 82 for transporting a double stripe card C.
An LED 83 serving as a light source, a pair of an image sensor 84 and the LED 83, and a direction of conveyance of the inserted card is set to 180 °.
A card reversing device 85 for reversing the card, and a card insertion slot (not shown) for inserting and removing a card is connected to the front stage,
The subsequent stage is provided with a card reader 86 for reading and writing magnetic data recorded on the card.

The above-described card reversing device 85 is a CRT 12
When the customer visually recognizes that the card C is inserted in the opposite direction from the display image of FIG. 7, the customer operates the card C to correct the direction of the card C. As shown in FIG.
If the customer sees and accepts this on the transaction account confirmation screen 12, the confirmation key 91 is entered, and if inappropriate, the card inversion key 92 is entered. When this card inversion key 92 is input, the direction of the card insertion direction is inverted by 180 °,
Switch from the direction set for the other account to the main account requesting the transaction. As a result, the transaction can be continued with the card taken in, and the transaction does not need to be interrupted at the time of re-operation, and efficient card transaction can be performed.

The processing operation of dispensing transaction with such a card reversal function will be described with reference to the flowchart of FIG. Now, when the customer selects a payment key and touch-inputs to perform a withdrawal transaction (step n11), the display screen of the CRT 12 subsequently displays a "insert card" and a card insertion guide screen. Inserts the double-stripe card C into the card insertion slot (step n).
12 to n13), the entire surface of the inserted double stripe card C is read by the image reader 81, and the read image image of the double stripe card C is displayed on the CRT1.
2 is displayed (steps n14 to n15).

At this time, looking at the image displayed on the CRT 12 and visually recognizing that the insertion direction of the card C is reversed, the customer, as shown in FIG. Can be corrected by touch input operation of the card reverse key 92 (step n1).
6).

When the card reversal key 92 is touched, the card reversing device 85 is driven to reverse the card insertion direction by 180 ° (step n17).

As a result, the inserted double stripe card C is switched inside the apparatus from the other account using the other magnetic stripe to the main account using one magnetic stripe, and after this switching, the card is left as it is. The screen is transferred to the next password number input screen and the withdrawal amount input screen, and the transaction is continued (step n18).

FIG. 11 shows a display guide example of bills according to another embodiment of the present invention. When the accepted bills 111 are detected by the image readers 35 and 81, the bills 111 are abnormally deformed such as bent end 112. If there is, the entire banknote 111 in which abnormal deformation has occurred on the CRT 12 is displayed, and the guide text in which the end is broken and the end symbol 1 are indicated by the arrow symbol 113.
The customer is notified of the cause of the transaction being invalidated by pointing out the position of No. 12. Thereafter, the invalidated banknote is returned, and a message is displayed to inform that the operation will be performed again.

As described above, when the bill is deformed and it is determined that the acceptance of the bill is invalid, the CRT 12 has a reception invalidation cause display function of characterizing the judgment invalid portion and guiding the display on the CRT 12. Accordingly, when the acceptance is determined to be invalid, the cause of the banknote determined to be invalid can be clearly pointed out and notified to the customer, so that the customer can smoothly handle the abnormally deformed banknote thereafter.

The processing operation of a deposit transaction provided with such a bill acceptance invalidation cause display function will be described with reference to the flowchart of FIG. Now, when the customer selects and touches a deposit key to perform a deposit transaction (step n21), C
At RT12, a deposit guide screen is displayed, stating "Please insert bills", and when the customer deposits bills into bill entrance 16 in accordance with the screen, the accepted bills are identified by a bill identifying unit (not shown) inside (step n22). At this time, if there is any unreadable banknote that is difficult to identify, the banknote is rejected and the unreadable banknote is returned (step n23). In the CRT 12, as shown in FIG. The reason why the determination is invalid is displayed and guided (steps n24 to n25).

For this reason, the customer can clearly understand the cause of the rejection of the bill determined to be invalid by the indication on the display screen of the CRT 12, and further smooth the bill re-payment operation thereafter.

As described above, when a customer accepts a double-stripe card to be used at the start of a transaction, the customer immediately inserts the double-stripe card in the proper direction or immediately displays the accepted image of the card to the customer. At a glance, it is possible to confirm whether or not the card has been inserted in the right direction. If the card is inserted in the wrong direction, the mistake is clearly identified at the start of the transaction. At this time, if the direction of insertion of the card is reversed, the direction can be changed to an appropriate direction when an error is noticed, and the card can be taken as it is to continue the transaction. Further, if the card or the banknote that is determined to be invalid at the time of starting the transaction is returned, the operation can be immediately performed again. Further, when the bill is determined to be invalid due to deformation or the like, by characterizing the portion and guiding the display, the cause of the invalidity can be clearly pointed out and clearly notified. Therefore, erroneous card insertion operations due to customer mistakes are surely reduced, and highly reliable transactions can be performed with the occurrence of troubles sufficiently suppressed.

In correspondence between the present invention and the configuration of the above-described embodiment, the transaction processing apparatus of the present invention provides
In the same manner, the medium corresponds to the double-stripe card C and the bill 111, and the accepting means and the returning means correspond to the card insertion slot 14, the bill entrance 16 and the card transport paths 36 and 82, The display means, the instruction input means, and the characteristic display means correspond to the CRT 12, and the medium reversing means comprises a card reversing device 85 and a card reversing key 9.
2, the determination means corresponds to the CPU 21, but the characterization of the invalid content is performed by the end break 112 and the arrow symbol 11.
Although corresponding to 3, the present invention is not limited to only the configuration of the above-described embodiment.

[Brief description of the drawings]

FIG. 1 is an external perspective view of an ATM according to the present invention.

FIG. 2 is a block diagram of an ATM control circuit according to the present invention.

FIG. 3 is a detection configuration diagram showing the image reader of the present invention.

FIG. 4 is a flowchart showing a processing operation of a dispensing transaction with the double stripe card of the present invention.

FIG. 5 is a display guide diagram showing a card insertion guide screen of the CRT of the present invention.

FIG. 6 is a display guide diagram showing a personal identification number input screen and a card image screen of the CRT of the present invention.

FIG. 7 is a display guide diagram showing a withdrawal input screen and a card image screen of the CRT of the present invention.

FIG. 8 is a detection configuration diagram showing an image reader according to another embodiment of the present invention.

FIG. 9 is a display guide diagram showing a transaction account confirmation screen of the CRT of the present invention.

FIG. 10 is a flowchart showing a processing operation of a dispensing transaction provided with the card reversing function of the present invention.

FIG. 11 is a display guide diagram showing a bill invalidation display screen of the CRT of the present invention.

FIG. 12 is a flowchart showing a processing operation of a deposit transaction provided with a bill acceptance invalidation display function of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 11 ... ATM 12 ... CRT 14 ... Card insertion slot 16 ... Bill entrance 21 ... CPU 35, 81 ... Image reader 36, 82 ... Card transport path C ... Double stripe card 85 ... Card reversing device 91 ... Confirmation key 92 ... Card reversing key 111: banknote 112: broken end 113: arrow symbol

Claims (5)

[Claims] 1. A transaction processing apparatus for receiving a medium and starting a transaction, the transaction processing apparatus comprising: receiving means for receiving the medium; and display means for displaying a received image of the medium received by the receiving means. 2. A transaction processing apparatus for accepting a medium and starting a transaction, comprising: accepting means for accepting the medium; display means for displaying an image of the medium accepted by the accepting means; A transaction processing device comprising an instruction input unit for instructing a customer to accept or not accept a transaction based on the received image. 3. The transaction processing apparatus according to claim 2, further comprising: a medium reversing means for reversing the direction of the transport direction of the received medium when an instruction of transaction refusal is input by the instruction input means. A determining means for determining whether the medium is valid or invalid;
2. The transaction processing apparatus according to claim 1, further comprising a feature display unit that, when the determination unit determines that the content is invalid, characterizes and displays the invalid content. 5. The transaction processing apparatus according to claim 4, further comprising a return means for returning the invalid medium when the medium received at the start of the transaction is invalid.