JPS60263267A - Automatic transacting device - Google Patents

Abstract

PURPOSE:To simplify user's operation, and to shorten the processing time by providing a CRT display part containing a touch sensor so that a character can be inputted directly from the touch sensor with regard to a remittance destination bank name, branch name, receiver's name, and an applicant's name, etc. CONSTITUTION:On a CRT 5, touch key segments 41-50 constituted of a pair of transparent electrodes are placed so as to correspond to a display location (image information of a transfer, a remittance, etc.) on the CRT picture. Also, a main control part 11 decides plural combinations of segment information, as a character input by the output from a touch key sence circuit 38 of the CRT 5, and discriminates its character through a character discriminating part 23. In such a way, a character is inputted directly through the circuit 38 with regard to a remittance destination bank name, branch name, receiver's name, applicant's name, etc., and also a Chinese character can be inputted, by which a user's operation is simplified, the operating time is shortened, and the processing time of one transaction can be shortened.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device, such as an automatic teller machine, that executes rice transactions through user operations.

[Technical background of the invention]

In recent years, automatic teller machines have been developed that accept a magnetic card with account information recorded on it submitted by a user, and automatically pay cash requested by the user by communicating with a host computer, or on which account information is recorded. A cash machine that accepts a magnetic passbook with a magnetic stripe and automatically disburses the cash requested by the user by communicating with a host computer, or using a magnetic passbook with a magnetic stripe on which account information is recorded. , automatic teller machines that automatically accept cash, and automatic teller machines that combine both of these functions into one machine, are rapidly developing as automation equipment for bank counters. It has been introduced at each bank to provide quick services to users.

In addition, recently, automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, and automatic transfer transactions in which a predetermined amount is transferred from one's own account to another bank account by card transaction. A device that performs this has been developed and put into practical use.

[Problems with background technology]

However, with the increase in the number of transactions handled by the above-mentioned devices, the operating means thereof have become complicated, making it difficult for customers to operate them. In other words, when a customer (customer) performs a transfer transaction, the user sends a request, specifies the transfer destination, presses the confirmation key, enters the client's name, presses the confirmation key, enters the client's telephone number, presses the confirmation key, enters the amount, The user presses the confirmation key and confirms the transfer details. Furthermore, when specifying the transfer destination above, the following operations are required: specifying the type of financial institution, inputting the first letter of the bank name, specifying the bank name, inputting the first letter of the branch name, specifying the branch, specifying the account, inputting the account, pressing the confirmation key, and the recipient's skill. need to be done. Therefore, f
The user should enter L″″bank name/branch name 0 head 1 in the transfer specification.
After entering the characters, you need to specify the bank name and branch name twice, and when specifying the transfer by recipient Meijinriki and client Meijinriki, 50 syllables are displayed on the screen, and you have to press them one by one. However, each input takes a long time, and the transaction processing time is too long.

[Purpose of the invention]

This invention has been made in view of the above circumstances, and its purpose is to provide an automatic transaction device that can be easily operated by users and can shorten processing time.

[Summary of the invention]

This invention accepts a combination of multiple segment information of multiple segments corresponding to a position to be operated as a character input, identifies characters based on the combination of input multiple segment information, and performs transaction processing according to the result of this determination. This is what I decided to do.

[Embodiments of the invention]

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1 there is an abbreviated operation section 2.
is formed. On the horizontal surface of this operation section 2, transfer,
In addition to being able to input a large number of banknotes to be transferred at once,
A bill insertion slot 3 for receiving banknote change is provided, and this bill insertion slot 3 is provided with a door 4 that can be opened and closed.

Furthermore, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CRT display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, text, or words to guide the user, and also displays the password, amount, and account number.

By pressing the display area corresponding to transaction approval, confirmation, or cancellation, a touch sensor (not shown) detects this and outputs a corresponding signal to the main control unit 11, which will be described later.This is a so-called key operation. is to be carried out. In other words, as shown in Figure 2, for example, the message ``Welcome, please specify the handling method using the button below'' is displayed, as well as ``transfer, transfer,''``deposit,''``payment,'' and ``balance.'' In addition to displaying keys for instructing ``inquiry'' and ``include passbook,'' a message indicating that the customer is waiting is also displayed. The contents and display change each time the machine operation or step status changes.

In the above FIG.
It is arranged in association with the display location (image information such as transfer, transfer, etc.) on the T screen. For example, as a transaction item selection display section, the "transfer, transfer" display section 51
, "Deposit" display section 52, "Payment" display section 53, "Balance inquiry" display section 54, and "Passbook included" display section 55 are touch key segments 41° 43.45, 46.48, respectively.
It is displayed on the C'RT display section 5 so as to overlap with the C'RT display section 5.

Further, on the vertical surface of the operation unit 2, there is a card insertion slot 6 into which a magnetic card as a transaction medium in which account information such as a password and account number is recorded is inserted, a passbook into which a bankbook or a transfer request form 10 is inserted, and a bankbook into which a bankbook or transfer request form 10 is inserted. A transfer request form insertion lower part, a coin insertion slot 8 for inserting coins, and a hard change receiving slot 9 for receiving coin change are provided.

In the transfer request form 10, as shown in FIG. 3, the payer's address, name, and telephone number are recorded in advance in the payer information recording area 101, and multiple transfer results are recorded in the transfer result recording area 102. It has become so.

By the way, as shown in FIG. 4, inside the housing 1, there is a main control unit 11 that controls the entire system, which accepts a card inserted through the card insertion slot 6 and reads the PIN number and account number from the magnetic stripe on the card. A magnetic card reading unit 12 reads account information such as numbers, reads the magnetic stripe of the bankbook inserted from the bankbook and transfer request form insertion lower, and records transaction details on the bankbook and journal paper (not shown);
In addition, the information on the transfer request form 10 inserted from the passbook and transfer request form insertion lower is read with the image "" 7 (not shown), and the image information is recorded on the journal paper. A bankbook printing unit 13 accepts the banknotes inserted into the banknote insertion slot 3, and a deposit/withdrawal unit 14 that dispenses banknotes of a specified amount into the banknote insertion slot 3; accept coins,
A coin deposit/withdrawal unit 15 that dispenses coins of a specified amount to the coin receiving slot 9, a customer service unit 16 constituted by the CRT display section 5, a voice guidance unit 17 that provides voice guidance to customers through a speaker (not shown), and an attendant. a floppy disk 19 for storing transaction data, a character discriminator 23 for discriminating characters input on the CRT display section 5, and a link between the main control section 11 and a host computer (not shown). A transmission control section 20 and a power supply section 21 are provided to control data transmission between the two. Further, the main control section 1 is connected to a remote monitor 22 for use by a staff member provided outside.

Further, the main control section 11 judges a combination of a plurality of segment information as a character input based on the output from the touch key sense circuit 5, and uses the character discrimination section 23 to discriminate the character.

The customer service unit 15 is constructed as shown in FIG. That is, a CRT display section 5, a touch key segment array 3 arranged on the screen of the CRT display section 5 for inputting information from a customer, . . .
CRT control unit 32, C for controlling the display of
It is comprised of a display memory section 33 in which characters and the like necessary for display on the RT display section 5 are stored, and a touch key sense circuit 34 for sensing the presence or absence of a key being touched (pressed down). The CRT control section 32 and touch key sense circuit 34 are controlled by the main control section 1.

Next, the operation of such a configuration will be described with reference to the flowcharts shown in FIGS. 6(a) to 6(d). For example, if the automated teller machine is currently waiting for a customer (customer), the main control unit 11 displays on the screen of the CRT display unit 5 an operation guide message for selecting a transaction [Welcome. "Please specify with the button" is displayed, and selection display sections 51 to 55 such as "transfer, transfer", "deposit", "payment", "balance inquiry", "passbook included", etc. are displayed.

In this state, when the customer
If you touch with your hand, it means that touch key segment 3) has been touched. Then, a signal from this touch key segment 3 is supplied to the main control section 11 via the touch key sense circuit 34. Thereby, the main control unit 11 determines that the "transfer, transfer" display section 5 has been pressed and a transfer or transfer transaction has been selected. Next, the main control section 11 determines to proceed to the next step, and causes the CRT display section 5 to display "Please press the type of transfer" and a selection key for "cash or card withdrawal". (sTl). Next, the customer presses down on the part that says "Card withdrawal" according to the instructions (ST,
? ). As a result, the main control unit 11 determines that the transfer will be made by debiting the card.ST? ), the CR7 display section 5 displays the message "Please insert your card" (STY).

Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST5). Then, the card is taken into the magnetic card reading section 12, and account information such as the password 9 and account number recorded on the magnetic stripe section are read by a magnetic head (not shown) (ST6). The above account information is checked by the main control unit 11 (ST7
), if it is determined that the card is incorrect, the main control unit 1 performs error processing. If the main control section 11 determines that the card is correct, it displays "Please press your password" on the CR7 display section 5, as well as a numeric keypad and a correction key (ST8). Then,
The customer follows the instructions and inputs his/her PIN number by pressing down on the area where the numeric keypad is displayed (ST9).

Upon entering this PIN, the main control unit 11 determines whether the PIN numbers match (5T10), and if they do not match,
Perform the password re-input process. In addition, when the main control unit 11 determines that the PIN numbers match or that the cash key is pressed in step 3 above, the CR7 display unit 5 displays the message ``Send the transfer amount using the lower numeric keypad.'' Please input the following and press yen detan at the end.'' along with the numeric keypad, amount key, and yen key are displayed (STIJ). Next, the customer follows the instructions and inserts the amount to be transferred and the yen key (ST12). Due to this input, the main control unit 11
causes the CR7 display unit 5 to display the message ``Press the registration key or designation key depending on whether the destination is registered or not,'' and also displays the registration key and the designation key (STJ, 9).

Next, the customer inserts the specified key according to the instructions (81M4). When the main control unit 11 determines that this designated key has been input (37M5), the CR7 display unit 5 displays the message ``The name of the bank to be transferred with one character (possible: Kanji) in the frame below. "Enter one character at a time, press the input key for each character, and press the end key after inputting all characters" is displayed, and the input key 1 correction key and end key are also displayed (ST20). Following this guidance, the customer draws the first character of the bank's name, the kanji character "○", within the frame on the CRT display section 5 and presses the enter key. Then, signals from the plurality of touch key segments 31 corresponding to the drawn characters are supplied to the main control unit 11 via the touch key sense circuit 34. As a result, the main control unit 11 determines that the plurality of segment information until the input key signal is supplied is a character input, and uses the character discrimination unit 32 to discriminate the character from the combination of the plurality of segment information. . The determined character is displayed by the main control unit 11 at the bottom of the display image on the CR7 display unit 5 in step 20, and other characters stored in the floppy disk 19 are also input in the same manner as described above, such as “ ○○ Sengyo”, “
"○○ Trust Bank", "○○ Shinkin Bank", etc. are entered (S
T21).

If the displayed characters are different from the input characters, the customer presses the "correct" key.

Then, the main control section 11 erases the corresponding characters on the CR7 display section 5, and also resets the characters stored on the floppy disk 19.

When the end key is pressed, the main control unit 11 determines whether or not a list of branch names can be displayed (8'r'4). If it is determined that a list cannot be displayed, the CR7 display unit 5 displays the message "Remittance information". Enter the branch name one character at a time (ok: kanji) using your finger in the box below.
-Press the ENTER key for each character, and press the END key after inputting all characters.'' At the same time, the ENTER key 1 correction key and END key are displayed (ST24'). From then on, by operating in the same way as setting the bank name described above,
A branch name is set (ST25). Also, step 24
If it is determined that the list of branch names is possible, the main control unit 11
The R7 display section 5 displays the message "Press the name of the branch to which the transfer will be made" and also displays a branch name selection key (ST26).

Next, the customer presses the branch name selection key according to the instructions (STJ7). When this button is pressed or when the branch name is set and the end key is pressed in step 25, the main control unit 11 causes the CR7 display unit 5 to display ``Please enter the recipient's account number and deposit type'' and displays the message on the numeric keypad. , display the correction key, normal key, and temporary key (
ST28). Following this guide, the customer must enter their account number,
Input the deposit type (ST29).

If the main control unit 11 determines that it is not the main branch after this input (STJO), the CR7 display unit 5 will display the message ``Enter the beneficiary name one character (possible: kanji) in the frame below, then enter the - character. ``Press the input key each time, and then press the end key after inputting everything.'' At the same time, the input key 1 correction key and end key are displayed (ST, ?f). Thereafter, the beneficiary name is set by operating in the same manner as the bank name setting described above (ST32). Then, when the end key is pressed, when the beneficiary name is set, when it is determined that it is the main branch in step 3Q, or when the recipient name is determined to be the main branch in step 3Q, or if the
When it is determined in step 5 to input the registration key, the main control unit 11 selects [
The computer is currently processing the computer.Please wait for a while.'' is displayed (STJJ). In addition, the main control unit 11
transmits and receives the focused telegram, and prints the result on Sharnal paper (ST34).

At this time, in the case of partial cash transfer, a notification to that effect is sent to the host computer. Next, if the main control unit 1 determines that it is not registered (5TJ5), the CR7 display unit 5 will display “
Please confirm the recipient.'' and
A confirmation key and a cancellation key are displayed (ST36). Following this guidance, the customer inserts the next registration designation key, confirmation key, or cancellation key (ST32). and,
When the main control unit 11 determines to input the next registration designation key (ST38), the process returns to step 36, and when it determines to input the cancellation key (ST38), it performs a cancellation process. Further, if the main control unit 11 determines registration in step 35, the main control unit 11 displays "Please confirm recipient" and also displays a confirmation key and a correction key (ST
40). Following this guidance, the customer inserts the confirmation key or cancellation key (ST4)). When the main control unit 1 determines that the cancellation key has been pressed (ST42), the cancellation process is performed.

Further, when the main control unit 11 determines that the confirmation key is input in step 38.42 and determines that the card is not used (S
T39), the main control unit J1 displays on the CR7 display unit 5, ``Enter the payer's name one letter at a time (possible: Kanji) in the box below, and -
Please press the input key for each character and press the end key after inputting all the characters.'', and also display the input key 1 correction key and end key (ST4.3).

Following this guidance, the payer's name will be set by performing the same operations as the bank name setting described above (S
T44). Then, when the end key is pressed, that is, when the payer's name is set, the main control unit 11 displays the message "Please insert the transfer request form" (ST45). Following this guidance, the customer inserts the transfer request form 10 into the bankbook and transfer request form insertion lower (ST46). This transfer request form 1
0 is taken into the passbook print section 13. Accordingly, the payer information recorded in the payer information recording area JO□ of the transfer request form 10, that is, address 9, name, and telephone number, is printed on glossy paper.

Next, when the main control unit 1 determines that the card is to be used in the Stellar f39, or when the transfer request form 10 is inserted in step 46, the main control unit 11 displays the message “If the details of the transfer are correct,” on the CR7 display unit 5. "Please press confirm" is displayed, along with the transfer details, a cancellation key, and a confirmation key (87M7). At this time, in the case of a partial cash transaction, the amount of cash and the amount separately displayed by the card are displayed. In response to this guidance, the customer inserts the confirmation key or cancellation key (ST48). Then, when the main control unit 11 determines that the cancellation key has been input (ST49),
Process the cancellation and confirm! ! Please judge the input of ff-5
T49), when it is determined that the card is not used (ST50)
), the CR7 display section 5 displays "Please put banknotes and coins into their respective slots. If you agree, please press the confirmation key" and also displays a confirmation key and a cancellation key (sT51).

Following this guidance, the customer inserts banknotes into the banknote insertion slot 3 and inserts a coin into the coin insertion slot 8 (ST52).

Then, the banknotes are accepted into the deposit/withdrawal unit 14 for inspection and counting, and the coins are accepted into the coin deposit/withdrawal unit 15.
The inspection count is completed (ST53"). When the inspection count is completed, the main control section 11 displays the CRT display section 5 in step 51.
The input amount is displayed on the display (ST54).

In response to this guidance, the customer inserts the confirmation key or cancellation key (ST55). Then, when the main control unit 11 determines that the cancellation key has been pressed (ST56), the cancellation process is performed. Furthermore, when the main control unit 11 determines that the confirmation key has been input,
Alternatively, if it is determined in step 73 that the ``card drawer withdrawal'' key has been pressed, the CRT display unit 5 displays ``Currently processing the computer. Please wait for a while.'' (ST57). The main control unit 1 also sends and receives the transfer message, and prints the result on the journal paper and the transfer request form 1o (ST58). Upon completion of this printing, the main control unit 11 determines whether there is change by comparing the transferred amount with the withdrawn amount or input amount (ST59). When the main control unit 11 determines that change is available, it displays on the CRT display unit 5 the message ``Please receive banknotes and coins from their respective receiving slots'' and displays the amount of change (SrO0). At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to discharge change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9 (ST61). . As a result of this release, the customer receives change (ST6, 2).

When this change has been received, or in step 59
When the main control unit 11 determines that there is no change, the main control unit 1
Step 1 causes the CRT display section 5 to display "Please receive the transfer request form (and card)" (ST6J). At this time, the main control unit 11 causes the transfer request form 10 to be ejected from the passbook/transfer request form insertion lower (and also releases the transfer request form 10 from the card insertion slot 6).
(SrO2).

Next, the customer receives the transfer request form 10 (or card) (sT65) and ends the transfer process.

As mentioned above, the name of the bank to which the transfer should be made, the name of the branch, the name of the beneficiary, the name of the client, etc. can now be entered directly in letters and even kanji using the touch keys, making operations easier for users and reducing operation time. - It becomes possible to shorten transaction processing time.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that facilitates user operations and shortens processing time.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention; FIG. 1 is a perspective view of the overall appearance, FIG. 2 is a diagram showing an example of a display on a CRT display section, and FIG. 3 is a plan view showing the structure of a transfer request form. , Fig. 4 is a diagram showing the configuration of the main part of the electric circuit, Fig. 5 is a diagram schematically showing the configuration of the customer service unit, and Fig. 6 is a diagram showing the configuration of the customer service unit. FIG. 8 and FIG. 8 are diagrams showing an example of a display on a CRT display section during a transfer operation. 5... CRT display unit, 1... Main control unit, 16...
・Customer service unit, 19...Floppy disk, 23
... Character discrimination section, 31 - ... Touch key segment array, 32 ... CRT control section, 33 ...
Display memory section, 34...Touch key sense circuit, 41
~50...Touch key segment, 51~55...
Selection display section. Applicant's Representative Patent Attorney Takehiko Suzue Figure 1 Figure 2 Figure 3 Factor 4 Figure 5 Figure 7 Figure 8

Claims (1)

[Claims] In an automatic transaction device that automatically performs deposit transactions, withdrawal transactions, transfer transactions, etc. by user operations, there is a display means for displaying multiple image information on a single screen, and a display screen by this display means. an input means for accepting a combination of plural segment information of the plural segments corresponding to the position to be operated, as a character input; and a combination of the plural segment information inputted by this input means. An automatic transaction device characterized by comprising: a discriminating means for discriminating characters; and a means for performing transaction processing according to the discrimination result by the discriminating means.