JPS5960566A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To shorten a waiting time to the following correspondent display by storing a prescribed correspondent at every account of a customer, reading out and displaying the corrspondent at every account of a customer, reading out and displaying the correspondent at every transaction, and preparing the following correspondent display while the customer is selecting the correspondent. CONSTITUTION:A customer operating part 21, a card reader part 22, a paper money discharge part 23, a slip issue part 24 and a data storage part 25 are connected to a main control part 20 of an automatic paying machine, and each part 21-25 is controlled by a control signal from the main control part 20. Also, a computer 28 which stores transaction information of every account of each customer is connected to the main control part 20 through a transmission control part 26 and a telephone circuit 27. Also, various keys and a display means for displaying successively information of plural prescribed correspondents are provided on the operating part 21. In this state, a prescribed correspondent is stored in every account of a customer, its stored correspondent is read out and displayed on the display means at every transaction, the following correspondent display is prepared while the customer selects a correspondent and decides it, and a waiting time to the following correspondent display is shortened.

Description

DETAILED DESCRIPTION OF THE INVENTION <Substantive Field of the Invention> The present invention provides an automatic transaction system for automated transaction devices such as banks, for example. 1] = Automatic transaction system that improves the method of specifying the transfer destination for bank transactions 〈Technical landscape of the invention and the lull point〉 Traditionally, banks have increasingly introduced automatic teller machines, automatic deposit machines, etc. Furthermore, there is a strong demand for automation of German transactions, and there is a strong demand for automation of transfer transactions as well.However, in transfer transactions, compared to conventional payment transactions and deposit transactions,
It is necessary to specify the transfer destination, and since the number of transactions is small, it is necessary to add a transfer function to automatic payment machines (automatic deposit machines, etc.), and conventional payment,
This requires more complex operations than deposit transactions. Therefore, we have developed a method that allows you to easily specify the transfer destination by registering the transfer destination in advance and specifying the transfer destination for the current transaction from among the registered transfer destinations each time you make a transfer transaction. It is requested.

Purpose of the Invention The present invention has been made based on the above circumstances, and it stores a predetermined trading partner for each customer's account, reads out and displays the stored trading partner each time a transaction is made, and allows the customer to select one. The purpose of the present invention is to provide an automatic trading method that allows customers to make decisions while preparing the next trading partner display while always minimizing the waiting time for the next trading partner display. .

<Summary of the Invention> In order to achieve the above-mentioned object, the present invention displays the bank account information, and, while attending the confirmation process of the married customer, prepares the bank account information to be displayed next. This is what I did.

Embodiments of the Invention The present invention will now be described with reference to an illustrated example.

FIG. 1 is an external view of an automatic teller machine 1 as an automatic transaction device.The vertical operation surface 2 of the automatic teller machine 1 accepts and returns magnetic cards brought by customers.
A slip discharging port 5 for discharging a slip with transaction peaks and troughs printed thereon to the customer, and a bill discharging port 6 for discharging payment bills to the customer are provided on the lower side of the card slot 4, respectively. Furthermore, flicker rungs 7a and 7b are provided at the tops of the card slot 4 and the bill ejection opening 6, respectively, in order to alert the customer when it is necessary to insert or remove a card, slip, or banknote. , when the customer's operation is required, the Noritsuka lamp 7a is activated in response to the customer's operation.

7b flashes to clearly indicate its location. Further, on the vertical operation surface 2, there is an in-service indicator 8 that displays the town where the automatic payment machine is handled, and whether or not the machine is available, as well as payment items that can be handled.
There is a lottery indicator 9 for independently displaying balance inquiries and withdrawals. On the other hand, as shown in FIG. 2, the horizontal operation surface 3 of the automatic teller machine 1 is equipped with an operation display 10 for explaining operation procedures to customers.
On both sides of the display device 100, a plurality of function keys 11 are arranged at positions corresponding to the display text line of the operation strip display He1o, and the keys 11 and 11 can be changed visually compared to the display text d. has been done. On the lower side of the operation guide display 10 are keys whose functions are fixed, that is, a numeric keypad 12 for inputting numbers manually, and 10,000, 1,000, 10,000, 10,000, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000
A yen unit key 13 and a correction key 14 for correcting input are provided. The functions of the numeric keypad 12, unit key 13, and correction key 14 are always fixed in order to make operations easier for customers.

FIG. 3 is a block diagram of the automatic payment iRl and the center computer.The main part 1d1 and part 2o include a customer operation section 21, a reader section 22, a bill dispensing section 23, a slip issuing section 24, and a data storage section. 25 is connected,%
The sections 21 to 25 are adapted to perform predetermined operations based on control signals from the royal system section 20. Furthermore, Lord? tII
A transmission control wholesaler section 26 is connected to the J+ wholesaler section 20, and the royal system and both sections 20 use a transmission subsection 26 and a telephone line 27tJi to send and receive data to and from the center computer 28 as necessary. The operation of the automatic teller machine configured in this way, especially in the transfer process, is shown in the flowchart shown in Fig. 4 ta) to (d) and the operation guide display words shown in Fig. 5 ta) to (f). I will explain using

5 (-y) is displayed on the operation guide display 10 in the clear state.
As shown in a), a message prompting the user to select a transaction type is displayed. That is, among the function keys 11,
On the display screen of the operation guide display 10 corresponding to 11a, 1lb, llc, and 11f, there are
The words m, m, and mouth are all broken. The customer presses the controller key 11c according to the guidance display. Next, the operation guide display 10
"Please insert 6 cards (not shown)" is displayed, and the customer transfers the card from card number 4.Furthermore, the customer enters the password using the numeric keypad 12 according to the instructions on the operation guide 7T and the device 10. After inputting numeric keypad 1
2, J, li Stand key 13 Enter the payment amount. Then, the payment machine 1 communicates with the center computer that stores the transaction information for each account via the telephone line 27, and makes a payment. Banknotes corresponding to the amount of money are stored in the visual payment machine 1.

The banknotes to be paid are taken out from the banknote J4L (not shown) in which the banknotes are stored and are deposited in the banknote temporary storage section inside the automatic teller machine 1.

At the same time, the cash payment machine 1 prints the transaction details on the built-in slip paper. When printing is completed, the card inserted by the customer and the slip with 1 letter written on it are sent to each other.
It is released from the card entrance 4 and slip exit 5 and waits for it to be extracted by the customer. When the customer removes the card and the prison ticket, the banknotes in the temporary storage section are then discharged from the banknote discharge port 6, and the banknotes are removed by the customer, completing the transaction. All of the above valley operations are performed according to the guidance text displayed on the operation guidance display section 10.

In the case of the one-sword, one-pin operation, 1, the operation guide display section 10 displays text 1 for selecting transaction details in Figure 5 (a), as in the case of payment transactions. Function key 1
1 r-) Press the kuji key 11a with the Stesogame S11 of the Fronayat shown in FIG. Next, in step 813, the transfer destination selection ho is displayed on the internal display 10 as shown in Figure 5 (tb). It is necessary to have an account specified in lf. Registered Loa i means that you can specify before the dispute an account to which transfers are made from the user's account on a regular basis or on an irregular basis, and make automatic payments (A1 and Tsui-line). This is an account that is connected to a central computer that is connected to a central computer that handles transaction cancellation for each account. In order to make a transfer only for this transaction other than the registered account mentioned above, the customer can manually enter the account number of the transfer destination using the numeric keypad 12 of Charcoal 1 (J11). Must be O At this point, select the transfer destination selection button in Figure 5 (1)) and press the En key 1.
18 (I will explain the subsequent operation and operation in the case of ``A''.) By pressing the key 113 to 1'l', the display 10 will display the information shown in Fig. 5(c). An instruction to enter the bank account number 1 to 7 for the transfer destination will be displayed, and a customer who has entered all the bank account numbers 1j1% of the transfer destination using the numeric keypad 12 will manually input the bank account number 7 using the numeric keypad 12. The Marquis,
In step S23, the cabinet says, ``How many y-11a are down? 0 na υ, account i is usually added up between 3 digits and 7 digits, and 9, no chin?; is in the range of 3 to 7 digits. Enter the account number sound using .In other words, if the account number is 5 digits '12345', use the numeric keypad 12 to enter 1.2.3°4.5 manually, then enter E'.
Press the fourth key 11a.
The account e number display screen 316 displays the information as shown in FIG. 5(d) in accordance with the input from the numeric keypad 12. , a each recognized the human power l-yu with this display + & EEI! Insert key 11a. That is,
Since account numbers are specified in the range of 3 to 7 digits, a
By using one key, the customer can use a small number of characters, for example, to always use seven keys, for example, '0012
345', there is no need to manually input the key, and the manual data is displayed sequentially in order to input the account number manually, so the manual data σ) where -r and I fear are displayed for data input. Definitely Th;l! ! It is possible to enter manually using the two keys. - If you make a mistake in the manual input of the account number, press the correction iE key 14 for 11 seconds to clear the entered account data, and +1) confirm again that the account number is incorrect. 'Furthermore, if the above-mentioned transfer destination selection differs between 口Il and 7 by 1, the transaction is completed by pressing 口1to-11r in step 822,
When the card is returned from the insertion slot 4 and the customer can restart the transaction from the beginning, when the OtTMF1 key 11a is pressed, the automatic payment machine 10 control unit 20 checks the entered remittance account number. The number of digits of the Tatsumeiko account number manually generated in step S25 is 3 to 7.
Although it is in the range of digits, each of ld4 in step d26! rt to remove the card you applied for 1. a account 1
2, i.e., the transfer number does not match the transfer origin P.A. account i-1'9999
999' is checked. If this check is determined to be invalid,
In the screen flag 828, the re-input of the 载GOMEmotokuchi-sungo is displayed on the screen 1o, prompting RiQ & to enter the correct account number manually. As a result of these checks, if it is determined that the transaction is for transaction, the customer's manually entered account number is sent to the center computer in step S29, and an inquiry is made regarding the account to which the transfer should be made. At this time, the account number sent to the center computer is '12345'5, which was manually entered by the customer.
I asked Tetsuj to say 'oo' again '00123
It is sent out at 7 pups of 45'. In this way, automatic payment machine 1
With the bank account number as the source of the transfer, there is no need to make an unnecessary withdrawal with the center computer in order to check the bank account number, and the efficiency of the home can be reduced. 111. Operation in case a customer makes a mistake.It is easy to shorten the length of time between calls.-If the timing of the transfer source's desk is different from the center computer, the center computer will At S30, it is checked that the account to which the transfer is to be made is a legitimate account, and if it is found to be legitimate, the name of the branch for the account to which the transfer is to be made, the name of Tsutsumi, the name of the account, and the ] Send the message to the automatic payment machine. If there is 1 balance on the visual payment, in step S:31, these accounts are
i# '/i 沉Ice I"g 'A I'J #4
As shown in FIG. 5(e), the customer's magazine is displayed on the display 1o. In other words, in automatic payment battles, out of the account and information sent from the center computer, there are 1 branch and 1 name.
To indicate clothing by adding the word 1 branch 1, mouth + ff
1 name 'Toshibataro 1' is displayed with the addition of the phrase 1 迤 1. Furthermore, since the account items are sent from the center as code numbers, they are converted and displayed as the name of the item corresponding to the odd number of the code, 1 year 1 Jintsu deposit 1, 1 current account 1, etc. In this way, ・One branch displayed in δ”
By automatically adding the word 'Muku'ji' to the automatic payment machine and sending it out as a code (this makes it possible to increase the line efficiency for online use.
For the 0 location number, 17 (Stray light branch 26, because the name etc. can be re-confirmed), even if you manually type the account +-y, there will be no error.
If the customer confirms that the transfer destination is correct, he or she presses the mouth key 11.a down during step S32.

If it is determined that the transfer destination is still incorrect, press the f key] lf
Press . 1 Weighing key 11f? If it is pressed, the journal claw built into the automatic teller machine 1 (
K I took the money from the customer's card and sent it to the account 1a.
In step S34, the customer records the account number entered manually from the numeric keypad 12 by the customer of the account designated as the transfer destination and canceled, and the transfer destination account information sent from the center computer, and then cancels the transaction in step S34. As a process, the customer returns the card through the card insertion slot 4. At this time, the slip released to the customer as a transaction record during a normal transaction is collected in the automatic payment machine.1. As for the customer, λ0 Koreni f was able to record with malicious intent that there had been a cancellation operation against the customer who was trying to find out about other people's accounts and information, and at a later date. In addition to serving as evidence that he was abused, he also recorded other people's daily use of 1d@jL.
It is possible to not pass on 1% to the customer.

10,000, the customer confirmed that the transfer destination was correct and the lower key],
If you extend l a, (in step S35 to K, display a message urging the manual effort of the transfer operator in the operation guide section 10 and enter the transfer amount. From then on, the payment amount of the payment transaction will be After the transfer amount has been verified in the same manner as in the case of JMJ machines, the automatic teller machine sends a transfer instruction message to the center computer in step S36. The source account number, the transfer destination account number specified by the customer, the transfer amount, etc., were not scrutinized, and the center computer tech, the account number sent at the time of account inquiry from the automatic payment machine, and the remainder of the current transfer instruction message. A matching check with the stray light account number is performed. If they match, the amount to be transferred is withdrawn from the source account, and the amount to be transferred is further deposited into the destination account. When the above processing is completed, the center computer proceeds to step 838 to complete the transfer'1.
1; Send the statement to the automatic teller machine. The transfer completion message from the center computer includes transfer instructions from the automatic payment machine.
Similar to the T-sentence, it includes the transfer originator's number, transfer number, transfer amount, etc.The automatic payment machine checks whether it matches the information stored at the time of sending the transfer instruction message. , the center computer checks whether the transfer process has been correctly performed according to the transfer instruction message. In this way, by checking the matching of account numbers, amounts, etc. at both the central computer and the automatic teller machine, it is possible to reliably detect an abnormality in the event that an incorrect process is performed. .

As described above, if the valley check is determined to be normal, the automatic payment machine 1 prints the transaction record on the built-in slip and releases it in step S39.

At this time, the name of the branch to which the transfer will be made, 2 the name of the account, etc., are printed on the slip as the account information of the transfer destination, and after the printing on 0densen, which is easy to understand as a record of the transfer to the customer, the payment number 1 is the step. - Return the card to the customer at 840 and complete the transfer transaction.

Next, the case where the 11 key 11b is pressed in FIG. 5 1b) and the transfer destination selection 1i4 in step 813 of FIG. 4 will be described.

When the customer specifies fM, the automatic payment machine 1 performs step S41.
Then, the account adjustment information regarding the fired and completed accounts is sent to the center computer.

The center computer sends the registered remittance source account for the corresponding account to the automatic payment machine 1. The account to which the transfer is made is iJ rudder up to 70 points, and the center computer sends it to the automatic payment machine 1 according to the order of priority at the time of registration. A plurality of messages, for example, 256 characters long, are sent out regardless of each diversion account, for example, in three cities. In other words, in sentence 1'iii, priority is given to 1hZ, part of 2nd and 3rd place is sent out, and in the other 2nd place, i% of the 3rd place, 4th and 5th place are sent out. Part of the 6th place is sent out, and in the final 31st fifth sentence, the remaining 11 minutes of priority 6 (5t) and the 7th place are sent out.

On the other hand, 'X<
When the first ichimata is received, in step 843, the center computer enters the ``komachi'' state of receiving the 2'th nozomimata from the center computer, and the center computer returns to ? A21#: When sending a statement. The situation is bad. During this period, the automatic teller machine displays only the account number 1'a information of the account 1'a in the first rank in the first order on the operation channel display 10 as shown in Fig. 5 tf) in step S44, and informs the customer to 4
L. Prompt to confirm the source account. If the customer wants to imitate an account that will be ranked 11th in the future, in step S45, the customer will
1 Press T a, but if the account is for another account, press the vagina wing ■ test key 11b. Also, at this time, for example, if the user realizes that he/she has mistakenly used [Th] in the transfer destination selection instruction in the previous operation, the user presses the error key 11f. ? If the key is pressed, the automatic payment machine will insert all cards into the card slot 4.
In step S46, a cancellation process for returning the product to the customer is performed and an instruction is given to restart the operation from the beginning.0 Further, a case where the customer presses the ``Katsukasa Kuwawara'' key 11b will be described.

When the customer presses Kuguchi Summer Sya llb, the automatic payment machine performs steps S47 and S48. Proceeding to step S44, the account with the second priority from the first message is displayed on the operation guide display 10 to prompt the customer to confirm.0 This display content of the second priority displays the account with the first priority, and the customer The first message is prepared while the operator is making a decision. When the automatic payment machine is set to not receive data in step S43, the process proceeds to steps 861 to 868 of the parallel processing flowchart, and the display contents of the account information to be displayed next are summarized in parallel with the guidance of account display to the customer. It is something.

That is, while the first account 1H report is being displayed, the second account information has already been received by the first message, so in step S61, I'N'' is displayed.In step 865, in step 848 of the main flow chart, Sets the next account to be used.

Then repeat steps 866 and 867 and step 8
Wait for the confirmation ml to be pressed to see if the next account set in step 65 is displayed. When the next account, that is, the second-ranked account is displayed, the process returns from step S66 to step S61. Here, the third-rank account information is summarized, but since the third-rank account information is only a part, the next message is deemed to be safe, and the process proceeds to step 862. If the previously received message is the final message, the process ends at step 868, but in the present embodiment, since it is the third-rank account information, the message is received at step 864. When the second message is received, the account information is compiled using the remainder of the third-order account information and a part of the previously received third-order account information, and is set as the next account information to be displayed in step 865. The next account information is set in advance in the same manner.

When the customer further presses the m key 11b, the customer similarly presses the 1st key. Repeat this process each time the customer
This is repeated until the il key is pressed in step 45.

At this time, if the customer presses m even when the final registered account is displayed, a check is made in step S47, and a message "No registered account" is displayed on the operation guide display lO in step S49. In step 850, the card is returned to the customer for processing.

For example, when the number of registered accounts is 70, the customer presses the 1 button on the account with the 4th priority. At this time, the automatic teller machine receives the second message and receives the third message. In this state, the center computer is waiting to send the third message. Therefore, automatic teller machines are priority 5.
Although the account information after 1st is not necessary, the state becomes ready to receive the third message in step 52, and the center computer
Sends the third message. The cash payment machine is the third one in step 53.
A military letter is received, but the data is ignored because the process for the 'α statement is uncertain.

In this way, automatic payment +yxM can display one registered account, and while the customer is disconnecting, the preparation of the next registered account to be displayed can be completed, and from the automatic payment machine. It is possible to shorten the processing time compared to the case where the next account's Yasugi is sent to the central computer upon the customer's press of 6. -1 The automatic teller machine automatically receives all party record accounts regardless of the customer's designation.
Center computer processing and line 1blJ I
It is possible to simply J″′ the +11 procedure.

In step S51, if all the messages have been received 1d, the process advances to step S35, where the transfer amount is accepted, and the automatic payment machine sends a transfer processing message to the center computer. The transfer processing message includes the transfer source account number, transfer destination account number, transfer amount, etc., and the center computer sends it to )IJo)7
A matching check is performed between the transfer source account number and the transfer destination account number in the statement. At this time, the sales stray light account number only needs to match one of the registered account numbers m. If the result of the check at the center computer is OK, processing is performed at the center computer automatic teller machine in the same way as the process for specifying the transfer destination described above, and the series of transfer transactions is completed.

In the above embodiments, an automatic teller machine is used, but it goes without saying that an automatic teller machine a, such as one for automatic deposits and four for automatic deposits, may also be used.

Unfortunately, on my side, I tried to register from the seven computer computer (I read all the IH information of the business partner 15 times and sent it out, but when the customer confirmed the business partner, it was sent out from the automatic payment machine. By sending the empty space to the center computer, it is possible to further eliminate unnecessary communication with the center computer.

<Effects of the Invention> As explained above, according to the present invention, a predetermined business partner is recorded for each customer account. In addition, each customer can read out the recorded business partners for each transaction, display the table for each business partner, and select the customer. By reading out the information in advance, when the customer specifies the next business partner, it can be displayed immediately, thereby shortening the transaction time.

[Brief explanation of the drawing]

The figure shows the usual case of "misfire ψ". Figure 1 is an external view of the eye movement transaction device, Figure 2 is a plan view of the operation guide display section, and Figure 3 is the automatic transaction device. and a block diagram showing the center computer, FIGS. 4(a) to 4(d) are flowcharts showing operations, and FIGS. ...Automated payment machine, 10...Operation guide display section, 12
...Numeric keypad, 22...Card reader section. Figure 1.

Claims (1)

[Claims] 1R accepts the information recording medium owned by the customer and on which the customer's account information is recorded, and reads the 1# information recorded on the medium.
an information reading means, a first storage means for temporarily storing the information read by the information reading means, and a second storage means for storing information on a plurality of predetermined business partners corresponding to the customer's account. , a display means for sequentially displaying information on the a number of business partners stored in the second storage means; and a display means for the customer to operate and specify one business partner from the business partners sequentially displayed on the display means. The designation input means and the second d storage means are 6 self-1. and a third storage means for temporarily storing the account name of at least one business partner, and when the customer specifies a business partner, the account information stored in the second storage means is While the information of the corresponding at least one business partner is being displayed on the display means, the information of the next business partner is read out from the second→acoustic ten≠≠ valve memory means and recorded in the third memory means. An automatic trading method with all the features that we have designed to do so.