JPS58121478A - Automatic cash transacting device - Google Patents

Abstract

PURPOSE:To prevent misunderstanding and erroneous operations of customers, by installing a voice generating device which gives a guidance to customers by means of voice in addition to a guidance display. CONSTITUTION:At a customer operating panel section 30, a screen 40, on which various guidance words are written, is wound round roll 41a-41h, and prescribed guidance words are displayed in a display window 16. A voice guidance to be flowed to a loudspeaker 49 is generated at a recorded message reproducing device 49' using a floppy disk. The position of the reproducing head of the floppy disk device 49' is designated by a signal 71s given from a control system. The voice guidance which is less in number of kinds than the guidance recorded on the screen 40 for guidance display is recorded on the disk.

Description

[Detailed description of the invention] The present invention relates to an automated teller machine.

In recent years, automatic teller machines operated by customers, such as automatic teller machines, automatic teller machines, or combinations of these machines, have become increasingly popular in order to save labor in banking operations and speed up customer service. These automated teller machines usually use a card or passbook that magnetically records the account number, bank code, etc. issued by the bank when opening an account, and insert the magnetic card according to the guidance displayed on the operation screen. However, by entering data such as a PIN number and transaction amount, and in the case of a deposit machine, inserting the cash to be deposited, the cash transaction is automatically processed. The automatic teller machine is also connected via an online line to a central data processing system, which typically has files that store customer account data, and which processes the central data at predetermined sequences of each transaction. It communicates with the system, refers to the account data storage file for transaction authorization, and updates the account data storage file to reflect the current transaction result.

Furthermore, in current banking operations, automatic transfers of salaries, etc. to customer accounts, and automatic payment of utility charges, etc. from customer accounts are frequently performed, and transaction progress data is recorded in the customer's passbook. All the unrecorded data is stored in the account data storage files until the transaction is completed, so when cash transactions are made without using a passbook at an automatic teller machine, the unrecorded data accumulated in these files continues to accumulate.

Therefore, in order to prevent the expansion of file data, we are asking customers who use automatic transaction devices to bring their passbooks to the counter, and we are adding a function to print on passbooks to automated transaction devices to quickly process unrecorded data. Efforts are being made to do so.

However, since automated teller machines allow customers to conduct cash transactions themselves without the intervention of staff, in order to carry out transactions without error, customers must be given appropriate operational guidance in sequence, and customers must If the customer makes a mistake, it is necessary to provide new guidance to guide them to the correct operation, and when a failure occurs, it is necessary to provide guidance that the customer can understand. For this reason, conventional automated teller machines provide multiple guidance texts on the subtitles,
A format in which a message corresponding to the nature of the operation error or failure is moved to the display window and presented to the customer, or a format in which an instruction lamp is lit at the appropriate message among multiple messages written on the outside of the transaction device in advance. There are holes that are adopted.

However, in such guidance devices that display text, there are restrictions on the length of the text due to the area limitations of the display window or display panel, and for this reason, simplifying the text may result in insufficient explanation. may lead to customer misunderstanding. In addition, there are 4 cases of incorrect operation due to the customer's quick recognition when reading the text.
There is also a risk of being left alone.

The present invention has been made in response to the above-mentioned circumstances.
The automated teller machine according to the present invention is provided with a voice generating device that provides voice guidance in addition to a display device that displays written guidance as means for giving guidance to a customer, and the types of guidance given by the voice generating device. The number of types of guidance given by the writing display device is reduced, and voice guidance is output only for specific display guidance so that important guidance can be understood by customers, and while trading with other trading devices. It is possible to convey the bill without causing any inconvenience to customers, and it is also possible to effectively output Pac-Grand Music (BGM).

Hereinafter, details of the present invention will be explained with reference to the drawings.

FIG. 1 is an external view showing an example of an automated teller machine to which the present invention can be applied. This device is used for cash payment transactions,
It has the ability to selectively perform deposit transactions and bankbook entry transactions, and each transaction is performed by the customer inserting a magnetic card and/or bankbook. The front panel 11 of the transaction device 10 includes a display 12 that displays the operating status of the device.
The recessed slot is for inserting a magnetic card.

The customer operation panel 14 includes a keyboard 15 for the customer to select the type of transaction and input numerical data necessary for executing the transaction, a display 16 for displaying text (guidance) indicating the operation procedure to the customer, and a display 16 for inputting information from the keyboard. It is equipped with a display 17 for displaying NFCA value data and numerical data generated on the transaction device side, and an instruction lamp 18 that blinks when the wording on the guidance display 16 is changed. Reference numeral 19 is a speaker for outputting audio guidance to the customer.

The outlet 20 is for discharging items such as a magnetic card inserted by the customer, a statement showing the transaction results, and cash to be paid when the customer selects a payment transaction. When the article is discharged, the shutter is opened and the end of the article protrudes outside the machine. The lamp 22 lights up when the article is released.

Reference numeral 23 denotes an insertion slot for inserting banknotes all at once during a deposit transaction, which is normally closed by a shutter 24. When a deposit transaction is selected, the shutter 24 is opened at a predetermined timing.
opens. After the customer closes the door 24, the banknotes inserted into the insertion slot 23 are automatically conveyed one by one, and a verification device determines the authenticity and denomination of the banknote, and determines that the banknote can be accepted. The amount of banknotes received is displayed on the display 17. As a result of the discrimination, banknotes that are inappropriate for deposit are returned from the return slot 25 located above the insertion slot 23. This return port 25
Normally, the shutter 26 is closed, and when the verification process for all the banknotes inserted by the customer is completed, the shutter 26 is opened, and the lamp 270 is turned on, and the rejected banknotes are taken out of the machine. In addition, when the customer sees the amount received on the device displayed on the display 17 and presses a key to cancel the deposit transaction, the customer banknotes temporarily stored on board the aircraft can be transferred to the return slot 25. come back from

The insertion slot 28 provided in front of the deposit banknote insertion slot 23 is for inserting a passbook, and when the passbook is opened in the vertical direction with the page to be printed following the previous entry field opened. inserted. The passbook is taken into the machine, and after printing, it is ejected out of the machine from the insertion slot again.

The interior of the transaction device 10 described above has a configuration as schematically shown in FIG. 2. In the figure, 30 is a mechanism unit related to the customer operation panel 14; 31 is a magnetic card conveying device inserted from the magnetic card insertion slot 13, a magnetically recorded data reading/writing device, a transaction statement creation device, etc. A mechanism unit for processing transaction media; 32, a banknote discharging mechanism unit that takes out banknotes corresponding to the amount specified by the customer from a banknote cassette; 33, a deposit banknote processing mechanism unit; 34, a passbook transport device; a magnetic data reading/writing device; This is a passbook processing mechanism unit that includes a printing device and other components. Further, 35 is a power supply circuit, 36 is a control circuit, and 37 is an internal control panel for maintenance.

In the customer operation panel section 30, as shown in FIG.
h and the motor 42.h. By driving the rollers 41ae41bt41gt41h by belts 43 and 44, the subtitles are rotated and predetermined guidance text is displayed on the display window 16. The subtitle 41 has a transparent stripe on the opaque side edge to indicate the position, and for example, 6 transparent stripes with 2'=64
The text position of the street is displayed. Therefore, the winter sentence is 6 bits,
Selective guidance display can be performed by controlling the subtitles to stop when the subtitle position code detected by the sensor 45 placed on the subtitle route matches the specified value. . Furthermore, character 46 is a lamp for illuminating the subtitles from behind, 47 is a shutter for masking and displaying one of two guidance texts for one dialect position, and 48 is the shutter 4 mentioned above. ．． 49 indicates a speaker for voice guidance. Reference numeral 49' denotes a chime reproducing device using, for example, a floppy disk for generating audio guidance to be played on the speaker 49.

The disk device 49' can take out recordings from arbitrary tracks of the rotating disk by moving the recording/playback head, and the position of the recording/playback head is determined by a control system to be described later. This is specified by the signal 71g. Also, at the end of each track there is an end signal 77.
b is output, the control system controls switching from voice guidance to pack, ground, and music (BGM) based on this end signal, and predetermined music is played from the speaker 49 during the transaction operation. There is. According to the present invention, a smaller number of voice guidance types than the types of guidance recorded in the subtitles 40 for guidance display are recorded on the disc.

The operation of the above-mentioned automatic teller machine is controlled by a control system shown in FIG. In the figure, 50 is a data processor, for example, a microprocessor, 51 is a memory for storing programs or data to be processed by the data processor, and 52 is directly stored in the memory 51 without going through the data processor. A direct memory access (DMA) control circuit 53 for inputting and outputting data is a control circuit 54 of the internal control panel 37.
indicates a MODEM device interface for communication with a central data processing system. Reference numerals 55 to 59 are control interface circuits for outputting control signals to each element of the aforementioned mechanical units 30 to 34 and receiving status signals and input data from each element, and 31 is a magnetic card processing unit. ,3
1b shows a statement preparation section.

In the control system described above, each control element 54-58 is interconnected by an information bus 60g.

The information path 60 actually includes an address bus for transmitting address data, a data bus for transmitting control data, and memory read/write (!ldEMW) and input/output device read/write. l0R)
, write (IOW), and other control signals. Also.

A request signal for temporarily holding the use of the information bus by the data processor during a DMA operation, and a signal in response to the hold request are transmitted between the DMA control circuit 52 and the data processor 50. The DMA control circuit 5 is connected to the signal line 61 of the DMA control circuit 5.
2 and MODEM interface circuit 54, customer operation unit control interface 57, and passbook processing unit control interface 59 are connected through channels 62 to 64, and D
MA operation requests and response signals can be exchanged. In other words, this system uses a direct memory access method to transfer communication data with the central data processing system, magnetic card recording data, magnetic stripe recording data on the bankbook, and data printed on the bankbook. .

Each of the control interface circuits 55 to 59 and each element of the mechanism parts 30 to 34 is clearly address coded in advance, and when address data and control data are output from the data processor 50, this address data Only specific control interface circuits related to the system operate in response, decoding the control data and sending control signals to the corresponding mechanical elements such as motors, solenoids, magnetic heads, etc. Connect and control data to the data bus. Therefore, in this control system, the data processor 50 monitors the status of each mechanical part 30 to 34 in accordance with a control program stored in advance in the memory 51, and executes the steps of the transaction sequence according to changes in status. can proceed.

FIG. 5 is a circuit diagram showing the main parts of a control interface circuit 55 for controlling the customer operation panel unit 30, which is one of the control interface circuits, and in the figure, 60& is an address bus, and 60b is a data bus. , signal lines such as the control signal 10R110W are included in the address bus 60& for the sake of simplicity.

The address bus 60a is connected to a decoder circuit 70, which receives signals 708-70 in response to the control signal 10W and predetermined address data on the address bus.
These signals 70a to 70n serve as trigger signals for child circuits 71, 72b to 72n. Each of the above latch circuits includes a path driver circuit 68,
It is connected to the data bus 60b via an internal data bus 69, and therefore receives the trigger signal and latches the output data from the data processor (50) in the latch circuit.

The latch circuit 71 operated by the trigger signal 70& is used to control the audio guidance recording/playback device 49/, and outputs a playback start signal, a stop signal, and a 4-bit guidance dance instruction signal 71B. Of the latch circuit output signals, the guidance instruction, that is, the 4-bit signal instructing the track of the floppy disk, is input to the A;
A signal corresponding to track data for 780M is applied to the OB terminal by a switch 75. The coincidence output signal of the comparison circuit 74 passes through the inverter 76 and becomes one input signal 77& of the AND gate 77, and the guidance end signal 77b from the reproducing device 49' is input to the other of the AND gate, and the AND gate output cuff. Since 7B is the reset signal for the latch circuit 71, BGMμ
The latch circuit 71 is reset by the end signal 77b when an external voice guidance output command is issued, and the music continues to be played without being reset even if the end signal 77b is input during the BGM output command.

Latch wF-1gl path 72 operated by trigger signal 70b
b is a motor 42 for driving subtitles of a guidance display device;
Guidance instruction data taken in from the internal bus 69 is provided to the A terminal of the comparator circuit 78 for control purposes. The subtitle position data 80 detected by the sensor 45 is input to the B terminal of the comparison circuit 78 via the latch circuit 79, and depending on the magnitude relationship between the data A and B, the forward rotation signal 78a of the motor 42, the reverse rotation signal 78b, Match signal 7
8C is output.

Other latch circuits 72c (not shown) to 72n operated by the trigger signals 70c to 70n are used to generate control signals for other circuit elements on the customer operation panel, such as numeric display 17, lamp 18, solenoid 48, etc. Although it is of
Details are omitted.

The key operation signal 15s by the customer is decoded by the decoder circuit 82, and is artificially inputted to the multiplexer 81 together with the above-mentioned subtitle matching signal 78c and other status signals. Multiplexer 81 receives control signals.

The input signals are selectively outputted in response to address data on the J address bus 60a, and these signals are outputted to the data bus 6ob via the bus driver 68 and read by the data processor 50 as terminal data.

Next, the relationship between the display guidance and voice guidance in the above-mentioned automated teller machine is shown in FIGS. 6(a) to 6(C).
This will be explained with reference to the payment transaction control flow shown in .

When the transaction device is waiting for a customer, the guidance display (16) will display the message "Welcome. Please select the transaction you wish to make using the buttons, as shown in Figure 6.

” is displayed (routine 100).

When the customer presses the payment transaction button, the guidance display will say "Please insert your passbook. If you do not have a passbook, please insert your card" (Gll), and the voice guidance [Welcome J (815)] will appear. is output (routines 101-102).

The automated teller machine is in the state of waiting for a passbook or card to be inserted.If a card is inserted, it will process the magnetic card transaction, and if a passbook is inserted, it will branch to the payment processing routine, and the card or card will be processed. If the passbook is not inserted within the predetermined time, the process branches to ■ in FIG. 6(b) (routines 103 to 10).
5). Also, if the card is forcibly removed immediately after it is inserted, the routine branches to ■).
If the transaction cancellation button is pressed during the transaction and the magnetically recorded data on the card is not normal, the process branches to the abnormality processing routine ■ shown in FIG. 6(c) (routines 105 to 1).
07).

If the magnetically recorded data on the card is successfully read,
The guidance display shows "Please press your PIN." J
(013) is displayed, and the process advances to the password check routine 109. When the customer enters the PIN number, if the number is correct, a guidance screen will appear saying ``Please press the withdrawal amount.'' J (G14) If the number is incorrect, routine 109 will ask you to "Press your PIN again."
・If there is a predetermined number of consecutive incorrect inputs, the process branches to the abnormal termination routine ■ (routines 108 to 1).
10).

Amount input check, routine 111 shown in FIG. 6(b)
Now, check whether the amount has been input according to the predetermined input format "(XX of × 6)", display the input data on the amount display (17), and then If it is correct, the guidance display will display the message "Please check the amount and press the M button (or the Q button if it is convenient).・J (G15) will be displayed. If the amount is entered in the wrong format, If so, use the voice guidance in Routine 111 to output ``When specifying the amount, please press the 10,000, 1,001 yen button in the middle of the number J (016)''.
If the error is made again, the process branches to the abnormality handling routine (routines 111 and 112).

After displaying the guidance (G15), if there is no key power after the predetermined time has elapsed, or if the (m button is pressed within the time), the process proceeds to routine 115 and displays the message ``Please wait for a moment. Processing is currently in progress.J( G4), printing on slips, central communication, bill discharging mechanism (CD)
Prepare for startup. If the e button is pressed, the process branches to abnormality processing routine O (routines 113 to 115).
).

The transaction authorization determination routine 116 determines the answer from the center;
If the current transaction is to be approved, processing routine 117
If not, the process branches to abnormality handling routine 0. The processing routine 117 prints the remaining data on the slip and takes out the requested amount of banknotes. When this is completed, the embossed characters on the card are imprinted on the receipt slip, and the customer delivery slip, card, and banknote are printed. A transport operation to the discharge port is performed (routines 118 to 119). Then, the message "Please accept this. Thank you. ~121).If these items are removed within a predetermined time, the transaction ends;
If it is not removed within the specified time, the display and voice will alert you.
A staff member will arrive, so please wait for a while. The guidance for J (023, 5IQ) is output, and subsequent treatment is performed by the staff (routines 122-124).

At the branch destination ■ from routines 103 and 105 described above, the display displays ``We apologize for the inconvenience, but please start again from the beginning J (G23),'' and outputs the same voice guidance (S7), returns to its initial state.

FIG. 6(C) shows a processing flow for abnormality processing.

In the case where the PIN number is entered incorrectly, the branch destination (■) records the total number of input errors on the card, and then sends the card back in the ejecting direction (130-131), and in the determination routine 132, the card is determined to be invalid. If so, proceed to routine 133 and receive the message "This card cannot be used. Please inquire at the counter. J (G26) will be displayed, the same voice guidance (812) will be output, and the destination ■
In other words, the program proceeds to the ejection routine 121 shown in FIG. 6(C).

If the card is valid and can be used continuously, the routine 134 outputs guidance G23 and @7 and proceeds to (2).

As a result of central communication, at branch destination 0 when a transaction disapproval is received, the disability code indicating the reason for disapproval is 6 in this example.
．． 7.8.9, the process proceeds to routine 141; otherwise, the process branches to ◎. In routine 141, the printing process of the slip is performed, followed by imprinting of characters removed from the card (routine 142), processing of transporting the slip and card (routine 14:3), and display guidance and audio according to the fault code. Guidance is output (routines 144-150), and the process proceeds to (2).

Troubleshooting code 9 occurs when communication with the central office occurs after business hours. ] Guidance (
G32,89) is output. Error code 8 occurs when the bank account balance is insufficient, and the guidance "The withdrawal limit has been exceeded. Please check the balance" guidance (G24.8
8') is output. Fault code 7 occurs when a failure is recoverable by starting over.
We apologize for the inconvenience, but please bring your transaction details with you to the counter. ” guidance will be output. on the other hand,
If the branch branches to 0, a special code or comment based on the message from the central office is printed on the slip in routine 160, the slip and card are collected on board, and guidance G33 is issued.
and 810 are output, and the process proceeds to ■.

The above is an example of selecting a payment transaction that does not use a passbook on an automatic transaction device. However, if you are conducting a transaction using a passbook, and all the data cannot be printed on the page of the set passbook, There is a need to provide guidance to customers regarding handling of passbooks. In such a case, according to the present invention, for example, the display will display the following message: ``We apologize for the inconvenience, but please ask the counter to fill in your bankbook.'' ” will be displayed, and a voice guidance will appear saying “There is a lot of data to enter in your passbook. We apologize for the inconvenience, but the operation may be complicated, so please come to the counter. Output J'. In addition, if a page break is required, for example, the display will display the message ``Please re-enter the transaction in your bankbook.'' ” will be displayed, and a voice will say “There is still data to be entered in your passbook, but this transaction will be canceled by -1. Please open the next page of your passbook and enter the transaction again in your passbook. ” guidance can be given. If you want the customer to change the page of their passbook during a transaction, please click [Please re-enter the passbook page]. ” and provide voice guidance saying, ``There is still data left to enter in your passbook. Please open the next page of your passbook and enter it again.'' .

As is clear from the above description, the automated teller machine of the present invention is equipped with a voice generating device that provides voice guidance in addition to a display device that displays text guidance to customers. In the present invention, the number of types of guidance given by the display device is reduced, and the above-mentioned voice guidance is given only for abnormal handling and exception handling in addition to greetings at the beginning and end of a transaction. Even when multiple devices are installed side by side, customers can be guided through their transaction procedures without being confused by the sounds coming from adjacent devices. In addition, customers may feel reluctant if the text is too long when using a single display device, but according to the present invention, voice guidance is provided on important points, so the guidance text provided on the display device can be concise. By providing voice guidance with explanations that customers can understand accurately, this type of resistance can be eliminated, and B
GM can play repeatedly.

[Brief explanation of the drawing]

FIG. 1 is an external view showing an example of an automatic transaction device according to the present invention, FIG. 2 is a perspective view schematically showing the internal structure of the automatic transaction device, and FIG. 3 is a customer operation section of the automatic transaction device. 4 is a block diagram showing the overall configuration of the control system of the automatic transaction device, FIG. 5 is a circuit diagram showing the main parts of the interface circuit that controls the customer operation section, and FIG.
) to (C) are flowcharts showing an example of a control procedure of the automatic transaction device. In FIG. 1, 13 is a magnetic card insertion slot, 14 is an operation panel, 16 is a guidance display, 19 is a speaker for audio guidance, 20 is an outlet for bills, statements, etc.;
3 is the insertion slot for face-matching banknotes. Reference numeral 25 indicates a discharge port for returning banknotes, and reference numeral 28 indicates an insertion port for a passbook. Further, in FIG. 4, 50 is a data processor, 51 is a memory, 52 is a DMA control circuit, 53 is an internal control panel circuit, 54 is an interface circuit with MOI, and 30 to 34 are mechanical parts of the automatic transaction device. Alternatively, electrical operating mechanism sections 55 to 59 indicate interface circuits for controlling the above-mentioned mechanism sections. 81 Kuni Nozomi 2 dirt 0? 74 @

Claims (1)

[Claims] 1. A cash processing device for processing cash for deposits or payments, a display device for providing display guidance to customers, a voice generating device for providing audio guidance to customers, and transaction information. A customer operation device operated by the customer for inputting information is connected to each of the above devices via an information path, and the address data specifying the control target and control contents are transmitted on the cough information bus according to a predetermined program. a data processing device that sequentially outputs display guidance control data by specifying the display device in order to advance the trading sequence, and a data processing device that outputs control data indicating a specific state of the trading sequence. , and outputs voice guidance control data by specifying the voice generation device, and the voice generation device corresponds to a recording body recording a plurality of guidance information and sound collections and the voice guidance control data. i-sound reproduction means for selectively reproducing the recorded information on the recording medium and generating a termination signal when the reproduction of a series of recorded information is completed; and reproduction control means for causing the recording and reproduction means to terminate the audio reproduction operation in response to the termination signal when instructing reproduction of the guidance information on the recorded sound body. An automatic cash transaction device featuring: