JPS61110287A - Automatic cash transactor - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention relates to an automated teller machine, and particularly to one that can efficiently display a customer's balance.

[Background of the invention]

Conventionally, in automatic teller machines or automatic cash dispensing machines, if you try to withdraw money using a transaction medium such as a magnetic card or passbook over a long period of time, you will not be able to see how much balance remains in your account. In many cases, the user forgets whether or not the user has a withdrawal amount, and is confused about specifying the amount to be withdrawn during a payment transaction.If an incorrect amount is specified, many devices disable the payment transaction after the complicated operating procedure is completed. In addition, a device is being considered that allows withdrawals without disabling payment transactions, but with a negative balance, but this is not very appealing to customers.To prevent this, As a way to know one's own balance before making a payment transaction, the company continuously performs both the ``balance inquiry'' and ``payment'' transaction operations of the device.

However, in both of these operations, after selecting "Balance Inquiry" using the transaction type key and performing a balance inquiry transaction, selecting "Payment" again using the transaction fee key and performing payment transactions consecutively. In order to perform both of these transactions, the customer has to operate the operation keys many times, which significantly reduces the ease of handling and the operating rate of the device.

[Purpose of the invention]

In view of the above drawbacks, the present invention aims to:
The purpose of the present invention is to efficiently display a customer's balance and improve the ease of handling and operation rate of the device.

[Summary of the invention]

That is, the present invention provides an operation section equipped with operation keys for inputting a password, inputting an amount of money, and selecting a transaction type, a control means for detecting input signals of the operation section and controlling various controls, and a command from the control means. and an information output means for outputting various information received, and the information output means is configured to display the customer's balance immediately after the password input operation or the amount input operation using the operation keys of the operation section. This is a characteristic feature.

[Embodiments of the invention]

Hereinafter, one embodiment of the present invention will be described in detail based on the drawings. 1st
The figure shows a control block diagram of the device of the present invention,
In the figure, reference numeral 1 is an operation unit, which is equipped with various operation keys (not shown) for selecting a transaction, entering a password, inputting an amount, etc., and o2 is a card transport unit, which is used as a transaction medium. It is formed of a card insertion slot (not shown) for taking in a magnetic card, and a conveyance path (not shown) for conveying the magnetic card to the card read/write section 5.

The card read/write section 5 is a magnetic detection means,
The stored content of the captured magnetic card is read and transmitted to the control unit [4, which will be described later], and update data of the magnetic card is received from the control unit t4, and the content is written to the magnetic card. Reference numeral 4 denotes a control device as a control means of the present invention, and as shown by the arrows in FIG. Therefore, it issues commands to each block and performs various controls. 5 is a passbook transport unit which is a transport means when a passbook is used as a transaction medium, and 6 is the passbook lead. This is a write section, and these functions are the same as those of the card transport section 2 and the card read/write section 3, and the explanation will be omitted.
The information output means is a display means constituted by a liquid crystal display device, a CRT, or other display device, or an information output means constituted by an audio means such as an audio output device. Reference numeral 8 denotes a bill dispensing unit that dispenses bills in accordance with a customer's payment designation; 9 indicates a bill issuing unit that issues a bill such as a customer statement slip along with bill discharging;
There is a banknote deposit section for depositing 10Vi banknotes. 1
Reference numeral 1 denotes a line control unit, which controls data transmission and reception between the control unit 4 and the center 12, which is a central processing unit that stores all information regarding customer transaction operations. 13 is a first storage device, specifically a readable and writable memory (hereinafter referred to as RAM), and 14 is a second storage device, specifically a read-only memory ( The ROM (hereinafter referred to as ROM) stores various control constants and data in addition to the control program as the control procedure of the device of the present invention as described above.The above configuration constitutes the present invention. The operation of the device will be described in detail next, but before that, a simple explanation will be given based on an operation procedure block diagram showing the conventional operation as the second factor.

In the figure, as shown in block 15 (hereinafter simply indicated by numbers), when the transaction medium means is a magnetic card as a conventional example, the magnetic card (not shown) is used for the card transport shown in FIG. When the card is inserted into a card insertion slot (not shown) in the section 20, the card is taken into the card transport section 2.

Thereafter, the transaction type is displayed at 16 by the information output means 7, which is constituted by a display device such as a CRT, and the customer waits for the customer to press the transaction key.As mentioned above, the customer's account balance is unknown. If a customer wants to know their balance before making a payment transaction, select the "Balance Inquiry" key from the transaction keys (not shown) provided on the operation panel 1 shown in Figure 1, and press 1.
When this key is pressed in step 7, the control device 4 shown in FIG. 1 advances the control procedure to the balance inquiry task in step 18. This balance inquiry transaction is performed by first pressing the 4-digit PIN number key at step 19, and only if the 4-digit PIN number is correct.
The central communication processing shown in 20 is activated. This is made possible by the control device 1 shown in FIG. 1 activating the line control section 11 and transmitting and receiving data to and from the center 12. When the customer's balance information is received from the center 12,
The control device 4 sends balance display information to the information output means 7, and in step 21, the balance is displayed. At this time,
A conventional example is one in which a command to print the balance is issued to the slip issuing unit 9, and the balance is printed and issued. After the balance has been displayed for a certain period of time, the magnetic card is returned to the customer by the card transport section 2 at 22, and the balance inquiry transaction is completed as shown at 23. Thereafter, the customer performs a payment transaction. At step 9, as shown in 24, the customer inserts a card, and the transaction type is displayed as shown in 25. For the first time, from among the transaction keys, the "Payment" key (as shown in 26) is selected. (not shown) is pressed to initiate the payment transaction. 28, if the 4-digit PIN is entered correctly, 29
At this point, a key is pressed to input the amount. If there is a correction to the amount, the amount input process is performed again, but if there is no correction to the amount, press the "Confirm" key provided on the operation section 1.
(not shown) is pressed, a central communication occurs as shown at 30, and winter species information for payment transactions is exchanged with the center 12 in the same manner as described above. After the central communication, the banknote dispensing unit 8 discharges banknotes at 31, and almost parallel to this banknote discharge, a slip is issued at 32 and the balance of the magnetic card at 33 is updated, and then at 54.
The magnetic card is returned at 935, and the payment transaction is completed at 935. In addition, in the case of a customer who does not require a "balance inquiry" transaction in Fig. 2, after displaying the transaction type shown at 16, press the "Payment" key immediately as shown by the broken line to complete the process described in F) 27. Needless to say, the system is configured to transition to a payment transaction.

The conventional operation has been explained above, and next, the operation of the apparatus of the present invention will be explained based on the transaction operation flowchart shown in FIG. The figure shows the start of a 40-digit transaction, and the message "Welcome, please insert your card or passbook" is displayed on the CRT serving as the information output means, and the device enters the customer time state. From 41 onwards, the operation of a transaction when a magnetic card is used as the transaction medium will be described, and the explanation of the operation of a transaction using a bankbook will be omitted since it is similar to this. When the customer inserts a magnetic card into a card insertion slot (not shown) at 41 in the figure, the data stored in the magnetic card is read by the card read/write section 3 shown in Figure 1 at 42. RAM1
The data is stored in the card 5, and the contents of this stored data are checked. If the contents are incorrect, the magnetic card (hereinafter referred to as a card) is returned. If the stored data is normal, the message (!Please enter your RTKr PIN) will be displayed, and when the 4-digit PIN is entered in step 43, the process will move to 44.
The control device 4 activates the line control unit 11 and transmits the password input information and the account number read from the card to the center 12 shown in FIG. 1, and the center 12 transmits the password information of the account number. Then, a so-called central communication process is performed, which waits for the reception of balance information. In step a5, the control device 4 performs a check against the received password and the password manually entered by the customer, and if the entered password is incorrect, the process proceeds to step A6, which is the password error process. , the conventional well-known process is performed and the password re-input process is performed. (Not shown) If the password is normal, the process moves to step 47, where the customer's balance is displayed as shown in FIG. 5 before selecting the transaction type, which is the gist of the present invention. Conventionally, CRT (R) customers' balances have been displayed in "Balance Inquiry" transactions, but because the display time is short, about 3 to 5 seconds, it is a fixed type, so it is difficult for beginners who are not familiar with transactions or those who are aspiring to do so. Even in the case of customers who have received a refund, they often fail to make a mistake, and there are many cases where they perform a "balance inquiry" transaction again.

This also causes a significant decrease in the operating cycle of the device.

In view of this drawback, another feature of the present invention is that, as shown in 67 to 53 in FIG. After the control device 4 writes the display time count value to a display time counter (not shown) provided in the memory of the storage device 13 of the jg1 shown in FIG. , a time delay of 50 m5, etc. shown at 49 is taken, and every 50 mB elapses, the display time counter is subtracted by -1 at 51, and the subtraction result becomes 0 at 52 iC, and it is determined whether the set display time has elapsed. For example, in Example 9, when 5 seconds have passed, the balance displayed on the CRT is displayed blank (the display is turned off). When the display key (IA in FIG. 5) provided on the operation unit 1 shown in the figure as a display time variable means is pressed, the display time counter is controlled not to be subtracted, as shown at 50 in FIG. 3. Therefore, the balance display time is made variable so that the customer can continue to view the balance display while the display key is pressed by one person.The display key is 1 person is transferred to Koutou and 51, the display counter is subtracted again, and the balance display fi disappears after a certain period of time has passed.In addition, the balance display can also be made to disappear immediately after the display key 1 is killed. It is easy to be busy by changing the program.After displaying the balance blank in 53, move to 54,
As shown in Figure 6, a transaction type display is displayed on the CRT with the words "Press the transaction key. If you wish to cancel the transaction, please press the cancel key." and an arrow. From 9 onwards, the key human effort to refine the selection of transactions is performed.

56 to 60 are traps so that when keys corresponding to each transaction shown in FIG. 6 are input, respective processing is performed. 60 is for balance inquiry and payment.

In addition to deposit processing, other vehicles such as transfer processing as shown in Figure 6
Various transactions are performed depending on the bank's transaction specifications. These processes are conventionally well-known processes, and their details will be omitted in this specification. When each transaction process is completed, the process moves to 61, the card is returned by the card transport section 2 shown in Fig. 1, and when the customer pulls out the υ card from the card insertion slot (not shown), the transaction ends at 62. However, after a certain period of time has elapsed, initialization for the next transaction is performed and the system returns to the starting state of step 40. As explained above (Figure 3 shows an example configured to display the customer's balance before selecting the transaction type, 1)
Next, as another example, the customer's balance is displayed on the CRT before selecting the transaction type and during the payment process.
As shown in the figure.

In the figure, the same numbers as in FIG. 3 mean the same functions, and the description of the functions will be omitted. In Figure 4, numbers 40 to 46 are the same as in Figure 3, and if the PIN is normal, 54
At this point, the transaction type shown in Figure 6 is displayed,
At step 55, a transaction selection key is input by the customer;
Depending on the type of key pressed, as explained in Figure 3,
It is configured such that occasional transaction processing is performed. Although a detailed explanation of each transaction will be omitted, the operation of the payment processing of Mero 58 will be explained in detail in the gist of the present invention. When the "Payment" selection key is pressed at step 55, payment processing begins at step 58, and at step 63, the message "Please enter the amount or press the balance inquiry key" is displayed as shown in Figure 7 on the CRTK. Show text. The feature of the present invention is that if the balance inquiry key is pressed even after entering the payment process, the payment process is skipped midway through and the process moves to the balance inquiry process, as shown in the figure, and at step 47: the balance remains constant at 0 RTK. time is displayed,
Thereafter, in step 61, the card is returned for balance inquiry processing. When the amount is input at step 64, the input amount is displayed on the CRT, and then when the customer's balance is displayed on the CRT at step 47, a color-coded mark is displayed that allows the user to judge whether the payment is possible or not. 7at-is doing. In other words, in 65, 6 from the balance
The input amount is subtracted at step 4, and the value of the subtraction result is stored in the first storage device (RAM) shown at 13 in FIG.
A specific area (not shown) within K is stored. After that, the magnitude relationship between the balance and the input amount is determined at 66VC,
If the balance is the same as or larger than the input amount, the process moves to 67 and the white "
The message "Payable" is displayed, and the customer is shown as if 7.
The blue mark indicated by a is displayed for a certain period of time, for example, 5 seconds, as shown at 52, so as to catch the eye.

If the input amount is larger than the balance due to 6.
As shown in the image, the white "Payment Not Possible" message with a red background
The same message will be displayed for a certain period of time. In either case, after a certain period of time has elapsed, the balance (including the wording) and the blue mark in 69 become blank, and the balance (including the wording) and the red mark in 74 become blank, and this display disappears. And if you can pay, 7
At step 0, the central communication processing is activated, and waits for slip printing information and release command.If the communication results indicate that there is no abnormality, the slip is printed and released at step 71, and in parallel with this, processing is performed at step 72. Banknotes will be released at that time.

When the bill discharging is completed normally, the card read/write section 5 shown in FIG. The payment transaction ends at step 62. When the customer removes the card, the card is initialized after a certain period of time and returns to the starting state at 40 and enters the time state, which is the same as in Figure 6.
Return to the diagram, the balance and red mark are blank due to non-payment.
Ti.

After that, the message "Please re-enter the amount so that it does not exceed the balance 0" is displayed on the CRT at step 75, and then the state shifts to the amount manually input state shown at step 64. There is. As a result, the customer is configured to be able to continue the payment process again from 64, and even after re-entering the amount, the customer can see whether the payment is possible or not by displaying a mark on the CRT. In this embodiment shown in the wc4 diagram, the balance is CR after entering the amount after entering the payment process.
I summed it up to display TK, but after displaying 54 transaction types, 5
The balance may be displayed at 0RTK immediately after the "Payment" key is pressed in step 5 and before the amount is entered.In addition, in this embodiment, the balance display time shown in FIG. 5 is variable. year,
In Figure 4, 2>E, which has separate features such as determining the size of the balance and input amount and displaying the payment acceptability in color on the CRT, shows the functions in Figures 5 and 4. It goes without saying that combinations are also possible, and that various applications and modifications can be made without departing from the gist of the present invention.
In this embodiment, it goes without saying that it is also possible to output the balance by voice using a f) ζ receiver using a visual confirmation means such as a CRT.

〔Effect of the invention〕

As described above, according to the present invention, in the process of a payment transaction, the customer can know the balance in a short time without being conscious of key operations, and the operability, ease of handling, and operating rate of the device can be significantly improved.

[Brief explanation of drawings]

FIG. 1 is a control block diagram of the automated teller machine of the present invention, and FIG. 2 is an operating procedure block diagram showing the operating state of the conventional device.
FIG. 3 is a transaction operation flowchart showing the operational state of one embodiment of the present invention, FIG. 4 is a transaction operation 70-chart showing another embodiment of the invention, and the fifth to reference figures are flowcharts for explaining the operational state. It is a drawing showing an example of CR7 display. 1... Operation unit, 4... Control means, 7... Information output means $1 口JPp4

Claims (1)

[Scope of Claims] 1. An operation section equipped with operation keys for inputting a password, inputting an amount, and selecting a transaction type, a control means for detecting input signals of the operation section and controlling various controls, and this control means and information output means for outputting various information upon receiving commands from the operating section, and immediately after the password input operation is performed using the operation keys of the operation section and the password input is determined to be normal, or when payment processing is selected and the payment is made. An automated teller machine characterized in that the information output means displays a customer's balance during the processing process. 2. The automated teller machine according to claim 1, characterized in that the payment processing process is such that the customer's balance is displayed immediately before or after the amount input operation. 3. An automated teller machine having the structure set forth in claim 1, characterized in that when displaying a customer's balance, a display time variable means is provided so that the customer can display the balance at any desired display time. . 4. In the structure set forth in claim 1, when payment processing is selected, and in the process of payment processing, a balance inquiry transaction guide is displayed, and when the balance inquiry transaction is selected by the operation key, An automatic cash transaction device characterized in that it is configured to shift from payment processing to balance inquiry processing. 5. The cash according to claim 1, characterized in that when displaying the balance after inputting the amount, the information output means displays a color-coded mark that allows determination of whether payment is possible or not. Automatic trading device.