JPS6083174A - Automatic system - Google Patents

Abstract

PURPOSE:To perform simply and quickly an input operation of the transferer information at and after the 2nd cash transfer transaction by registering the input transferer information into a center together with a prescribed number in a cash transfer transaction mode. CONSTITUTION:When a main control part 11 judges a card not to be usable ''Is this your first transfer dealing?'' is displayed. Then the customer applies ''NO'' key to get a guide for input of his/her account number. Therefore the customer feeds a transfer account number having a prescribed number of digits and then feeds an end key. When the customer feeds ''YES'' key, the part 11 displays a guide for input of the name and the telephone number of the transferer. Then the customer feeds both transferer name and telephone number and then an end key. Then the ''YES'' key is fed after ''Will you open a transfer account?'' is displayed. Thus a host computer registers both transfer information and the transfer account and also prints them on an itemized statement to inform them to the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction system in an automatic transaction device such as an automatic teller machine that can transfer cash to other financial institutions, for example.

[Technical background of the invention]

In recent years, automatic teller machines that accept magnetic cards submitted by users with account information recorded on them and exchange payments with host computers, or accept magnetic passbooks with magnetic stripes with account information recorded on them and exchange payments with host computers. Automatic teller machines that automatically pay out cash requested by users, or automatic teller machines that automatically accept cash using magnetic passbooks with magnetic stripes in which account information is recorded; Automated transaction devices such as current fully automatic teller machines that combine both of these functions into a single device are rapidly developing as automated bank teller equipment, and each bank has 4 deposits, allowing users to quickly We are expanding our services.

Recently, the automatic transaction devices mentioned above have been used to accept cash and transfer the accepted cash to other bank accounts), and automatic transaction devices that transfer a predetermined amount from one's own account to another bank account through card transactions. Things that carry out transactions have been developed and put into practical use.

[Problems with background technology]

However, with automated teller machines that perform money transfer transactions such as those mentioned above, when a customer makes a cash transfer transaction, the customer enters the information of the person making the transfer (usually the user himself/herself), address, address, name, telephone number, etc. by key operation. It must be done by.

Of course, it may be unavoidable to perform this operation at first, but when performing the same transfer transaction at a later date, it is troublesome for the customer to perform this complicated key operation, and there is a problem in that it is easy to make mistakes. . Moreover, since the above-mentioned key operations take time, it also leads to a decrease in the operating rate of the apparatus.

[Purpose of the invention]

This invention has been made in view of the above circumstances, and its purpose is to enable easy and quick input of payer information during second and subsequent cash transfer transactions, thereby improving convenience for customers and automatic transaction processing. An object of the present invention is to provide an automatic transaction system that can improve the operating rate of devices.

[Summary of the invention]

This invention allows the user to select whether or not to register the entered payer information at the time of a cash transfer transaction, and if registration is selected, the payer information is registered in the center with a predetermined number added. This is what I did.

[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 banknote insertion slot 3 for receiving banknote change is provided, and this banknote insertion slot 3 is provided with a slot 4 that can be opened and closed.

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

By pressing the display area corresponding to approval, confirmation, or cancellation of the transaction, a touch sensor (not shown) detects this and performs a so-called key operation that outputs a corresponding signal to the main control unit 11, which will be described later. It is something that can be done. In other words, as shown in Figure 2, for example, the message ``Please enter the payer's name'' is displayed, as well as katakana for entering the payer's name and a key for indicating the type of business where the transfer is to be made. . The contents and display are changed each time the machine operation or step status changes.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 62 for inserting a magnetic card as a transaction medium in which account information such as a PIN and account number is recorded. Coin slot 8. A coin change receiving opening 9 for receiving coin change is provided.

By the way, inside the housing 1, as shown in FIG. 3, there is a main control section 11. which controls the entire system. A magnetic card reading section 12 accepts a card inserted from the card insertion slot 6 and reads account information such as a PIN number and account number from the magnetic stripe section on the card, and reads the magnetic stripe of the passbook inserted from the passbook insertion lower. A passbook printing unit 13 that reads and records transaction details on a passbook, clear book, and journal paper (not shown). The banknotes inserted into the banknote insertion slot 3 are accepted, and the specified amount of banknotes is inserted into the banknote insertion slot 3.
Deposit/withdrawal unit 14. Coin deposit/withdrawal unit that accepts coins inserted into the coin slot 8 and dispenses a specified amount of coins to the coin receiving slot 9; Door 5° C above.
A customer service unit 162 constituted by the RT display unit 5; a voice guidance unit Noah that provides voice guidance to customers through a speaker (not shown); and an internal monitor 18 for the staff. A floppy disk that stores transaction data, etc. 19. Data between the main control unit 11 and a host computer (not shown)
A transmission control section 20 and a power supply section 2 that control the transmission:
1 is provided. Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

Next, the transfer operation of the present invention in such a configuration will be explained with reference to the flowcharts shown in FIGS. 4(,) to (d). For example, right now, a customer is standing in front of this outfit. At this time, the CRT display unit 5 displays "Welcome, please specify handling" and
Selection keys for ``Withdrawal, Deposit, 2 balance inquiries, 1 water entry, and transfer'' are displayed. In response to this guidance, the customer presses the button labeled "Transfer". This allows the main IM1
] The leg unit 11 determines to proceed to the next processing step, and C
The RT display unit 5 displays the message ``Please press the transfer button'' and also displays the selection key ``Cash, card withdrawal'' (ST1). Next, the customer presses down the area labeled "Card withdrawal" according to the instructions (ST2). In response to this, the main control unit 11 determines that the transfer will be made by debiting the card (5T3), and causes the CRT display unit 5 to display the message "Please insert your card" (ST4). 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 number 1 and oral pressure number recorded on the magnetic stripe section is read by a magnetic head (not shown) (ST6).

The above account information is checked by the main control unit 1 (S
T7), if the card is judged to be incorrect, the main 1■1
” The leg section 11 performs error processing. Further, if the main control unit 11 determines that the card is correct, it causes the CRT display unit 5 to display ``Press your PIN number'' and displays a numeric keypad and a correction key (
ST8).

Next, the customer follows the instructions and presses the part where the numeric keypad is displayed. Input the 1ll password (5T9). By inputting this password, the main control unit 11 judges whether the passwords match or not (5T10).
, If they do not match, perform password re-input processing. Furthermore, when the PIN numbers match or when it is determined that the cash key has been pressed in step 3 above, the main control unit 11 displays “Please press the transfer amount” on the CRT display unit 5 and displays the numeric keypad and amount key. Display it (ST11). Next, the customer follows the instructions and inserts the amount to be transferred (
5T12). By this input), the main control unit 11 causes the CRT display unit 5 to display the message ``Press the registration key or the designation key depending on whether the destination is registered or not registered,'' and also displays the registration key and the designation key. Instigate (ST)
13). Next, the customer inserts the specified key according to the instructions (37M4). When the main control unit 11 determines that this designated key has been input (ST15), it displays "Please press the destination financial institution" on the CRT display unit 5, and displays the financial institution selection key (ST1).
6).

Following this guidance, customers can push down on the financial institution (S
T17). By pressing this button, the main control unit 11 determines that the bank name is not an individual institution (5T18), and if it determines that the list is not possible (ST19), the CRT display unit 5 will display the message ``Please enter the initial letter of the name of the recipient bank.'' In addition to displaying katakana keys and correction keys.

Display the completion key (5T217). Then, when the completion key is pressed, '@(ST, 21) 1. If the main control unit 1 determines that the list is possible in step 19, the main control unit 11 causes the CRT display unit 5 to display the message "Please press the name of the financial institution to send the recipient to," and also displays the name of the financial institution. Press the selection key or step 18
When the main control unit 11 determines that an individual institution name has been entered, the main control unit 11 determines that a list of branch names is not possible (5T24), and the CRT display unit 5 displays “branch name of destination”. Please enter the first letter of ``,'' and display the katakana key, correction key, and completion key (ST24).
'). Then, when the completion key is pressed (5T25
), or if it is determined that branch names can be listed in Stetsuno024, the main? W: The control unit 11 causes the CRT 9 display 5 to display a branch name selection key saying ``Press destination branch name'' (5T26). Next, the customer presses the branch name selection key according to the instructions (ST27).
). As a result of this depression, the main control section 11 controls the CRT display section 5.
Display the message ``Please enter the account number and deposit number'' and press the numeric keypad.

Display the correction key, normal key, and pressure key (ST2
B). Following this guidance, the customer enters the account number and the dth deposit (5T29). As a result of this input, if the main control unit 1 determines that it is not the main branch (5T30),
The CRT display section 5 displays "Please press recipient's name" and also displays a katakana key, a correction key, and a completion key (ST31). Then, when the completion key is pressed down (5T32), if Stella fso determines that it is the main branch, or if it is determined that the registration key has been input in step 15, the main control unit 11 displays the message ``Computer processing is currently in progress.'' Please wait for a while" is displayed (ST3J).

The main control unit 11 also sends and receives inquiry messages, and causes the results to be printed on the journal paper 59 (ST34). Next, if the main control unit 11 determines that it is not registered (STJ
5) "Please confirm recipient" on CRT display group 5
along with a confirmation key, a cancellation key, and a complete display (ST, 915). Following this guidance, the customer inputs the next registration designation, key, confirmation key, or cancellation key (5T37). Then, when the main control unit 1 determines to input the next registration designation key (ST38), it returns to Stella f36, and when it determines to input the cancellation key (ST
38), perform the cancellation process.

Also, in Stella f35, the main control unit 11 registers 1ffil.
In the case of r, the main control unit 11 displays the message "Please confirm recipient" and also displays a confirmation key and a correction key (5T40). According to this guide,
The customer inserts the confirmation key or cancellation key (ST4)
J). When the main trill 111 unit 11 determines that the cancellation key has been input (ST42), it performs cancellation processing.

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 11 causes the CRT display unit 5 to display “Is this your first time making a transfer transaction?” and selects “Yes”.
Display a key for instructing “No” (ST71)
. In response to this guidance, the customer can press the "Yes" key if this is their first time making a cash transfer transaction, or press the "Yes" key if it is not the first time.
No” key is inserted (5T72).

Then, when the main control unit 11 determines that the "No" key is pressed (ST7J), the main 1M Shinto 11 determines that the account number for the customer's transfer transaction has already been registered,
The CRT display section 5 displays the message "Please enter the account number for transfer" and displays the completion key (S
T74).

Following this guidance, the customer enters the bank account number with a predetermined number of digits (5T75). Then, when the completion key is input, the process proceeds to step 47. Here, compared to the first transfer transaction, the customer already has an account number registered, so the key-in for the transfer person's information is only a number, which is very simple, reduces errors, and reduces processing time. It can be made short.

Further, when the main control unit 11 determines to press the "If" key in step 73, the main control unit 11 causes the CRT display unit 5 to display the message "Please enter the name of the person making the payment," and also displays katakana and the name of the company to which the payment will be made. A key for instructing the form is displayed (ST4.

Following this guidance, the customer enters the payer's name and completion key (5T44). By entering this completion key,
The main control unit 1 causes the CRT display unit 5 to display the message "Please enter your telephone number" and displays the completion key (S1'45λ). C3T46 to be introduced
)・When you turn on this completion key, the main control unit 1 is connected to the CRT.
Display section 5 displays "I would like to open a transfer account" and displays "Yes" and "No" keys (
5T76). Based on this guidance, the customer presses the "Yes" key or the "No" key (5T77).

Then, when the "Yes" key or "No" key is pressed in response to this guidance (ST78), if the main controller 11 determines to use the card in step 39, the process is completed in step 5. When the key is turned on, the main control unit 11 causes the CR1 display unit 5 to display the message "If you agree with the details of the transfer, please press confirm", as well as displaying the transfer details, a cancellation key, and a confirmation key (ST47).
). In response to this guidance, the customer inserts the confirmation key or cancellation key (5T48). Then, the main control unit 1 determines whether to input the cancellation key (ST49), performs the cancellation process, determines whether to input the confirmation key (5T49), and determines that the card is not used (5T517), CP, T
Display unit 5 displays “Banknotes.

Please insert coins into each slot. If you agree, please press the confirmation key." is displayed, and a confirmation key and a cancellation key are also displayed (ST, 52).
. Following this guidance, the customer inserts banknotes into the bill insertion slot 3 and coins into the coin insertion slot 8 (ST5.?
). Then, the bill is accepted into the deposit/withdrawal unit 14;
・G1 is counted, and the coins are accepted into the coin deposit/withdrawal unit 15 and inspected and counted (5TSJ). Above>I+
When the A-yoshi counting is completed, the main control section 11 causes the CRT display section 5 to display the input amount on the display in step 51 (
5T54). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST55).

Then, the main control unit 11 determines that the cancellation key has been input.
(STS6), performs cancellation processing. Manoyako control unit 11
determines that the confirmation key has been inserted, or Stella 76
If it is determined in 5o that the card is being used f:, the CR1 display section 5 displays "Currently processing the computer. Please wait for a while" (5T57). Also, Lord ii
The control unit 11 sends and receives the transfer message, and prints the resulting 16 transactions (and transfer account number) on a journal paper and a memo (not shown) using the printing device 76 (
s'r58). At this time, if the "Yes" key is pressed in step 77, the main control unit 11 adds the transfer account opening information to the transfer message and transmits it. Then, the host computer registers the payer information consisting of the payer's name, telephone number, etc. with a transfer account number added thereto in accordance with the 'IW report, and transmits the transfer account number. As a result, the main control unit 11 prints the transaction information and transfer account number received by the host computer on the journal paper and statement. For example, the information ``Your account number for transfer is ***.Please use this number for your next transfer transaction'' is printed on the above-mentioned clearing 14.

At this time, if the transfer account number has been entered in step 75, the main control unit 11 adds the transfer account number to the transfer message and sends it. Then, the host computer reads and compares the already registered payer information, payer's name, telephone number, etc. corresponding to the transfer account number, and performs the transfer process using this information and other transfer information.

In response to the completion of printing in step 58, the main control unit 11 determines whether there is change by comparing the transfer amount with the withdrawal amount or input amount (5T
59). Then, when the main unit 11 determines that there is change, the CR1 display section 5 displays "Please receive bills and coins from their respective receiving slots" and displays the amount of change (5T60). . 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). . Upon this release, the customer receives change (5T62). When the receipt of this ν change is completed, or when the main control unit 11 determines that there is no change in step 59, the main control unit 11 releases the statement from the passbook insertion lower (and also releases the statement from the passbook insertion lower). Make the mouth 6 release the shicard) (5T64). Next, the customer receives the statement (or card) (ST65) and completes the transfer process.

〔Effect of the invention〕

As described in detail above, according to the present invention, inputting the payer information can be performed easily and in a short time during the second and subsequent cash transfer transactions, thereby improving the convenience of customers and the operating rate of automatic transaction devices. We can provide an automated trading system that can

[Brief explanation of drawings]

The drawings depict 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 diagram showing the configuration of the main parts of an electric circuit. The figure shown in FIG. 4 is a flowchart for explaining the transfer operation. 3... Bill insertion slot, 5... CRT display section, 6...
Card insertion slot, 7... Passbook insertion slot, 8... Coin insertion slot, 1... Main control unit, 13... Passbook printing unit. Applicant's agent Patent attorney Takehiko Suzue Figure 1: 3 M Figure 4 (b)

Claims (1)

[Scope of Claims] (1) In an automatic transaction system in which a center and an automatic transaction device perform online transfer transactions, there is provided an input means for inputting remittance information, and the remittance information entered into the input means is transmitted to the center. An automated transaction system comprising a selection means for selecting whether to register or not, and a registration means for registering the payer information in a center when registration is selected by the selection means. (2) The automated transaction system as set forth in claim 1, wherein the payer information is the name and telephone number of the payer.