JPS61121192A - Automatic 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 [Technical Field of the Invention] The present invention relates to an automatic transaction device, such as an automatic teller machine, that can transfer cash to another financial institution or an ID card from the account.

[Technical Background of the Invention] In recent years, automatic cash machines have been developed that accept magnetic stripe cards submitted by users and have account information recorded thereon, and automatically pay cash requested by users by communicating with a host computer (center). Automatic cash dispensing machine that accepts a payment machine or a magnetic passbook with a magnetic stripe on which account information is recorded, and automatically pays the cash requested by the user by communicating with a host computer, or a magnetic passbook with account information recorded on it. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks with stripes, and automatic teller machines that combine both of these functions into one, are being used by banks. It has rapidly developed as a teller automation device and has been introduced by banks to provide quick services to their users.

In addition, recently, the above-mentioned automatic transaction devices have been used to accept cash and transfer the accepted cash to other bank accounts, or to transfer a predetermined amount from one's own account to Ike's bank account through card transactions. 1. What will be done will be developed. It has been put into practical use.

[Problems with the background technology] However, in the case of transfer transactions such as those mentioned above,
It was necessary to input the information of the transfer person, the amount to be transferred, and the transfer destination, which resulted in a time-consuming operation and a problem in that the operating rate of the automatic transaction device was low.

[Object of the Invention] This invention was made in view of the above circumstances, and its purpose is to provide an automatic transaction device that can improve the operability of transfer transactions, shorten processing time, and improve usage efficiency. Our goal is to provide the following.

[Summary of the Invention] In order to achieve the above object, this invention uses the initial letters of the financial institution name or branch name when the financial institution name or branch name of the sender and receiver cannot be listed in a money transfer transaction. It is possible to limit and list the information by inputting it.

[Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described 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 coin 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 section 5 displays operation procedures and other information on the CRT screen using illustrations, characters, or words to guide the user, and also uses the display to display information such as passwords, amounts, account numbers, etc.
By pressing the display area corresponding to approval, confirmation, or cancellation of a transaction, a touch sensor (not shown) detects this, and a so-called key operation is performed that outputs a corresponding signal to the main control unit 11, which will be described later. It is something. For example, as shown in Figure 2, the message ``Please press the name of the payer'' is displayed, as well as a katakana key for inputting the name of the payer, an alphanumeric designation key, and a key that supports the type of business of the recipient. It is designed to display. The contents and display are changed each time the operation of the hall machine or the state of the step changes.

In addition, 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 a PIN number and account information are recorded is inserted, a bankbook insertion lower part into which a bankbook is inserted, and a coin insertion slot into which coins are inserted. 8. A coin change receiving slot 9 for receiving coin change is provided.

By the way, as shown in FIG. 3, inside the housing 1 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 section 12 that receives account information such as numbers, a passbook printing section 13 that reads the magnetic stripe section of the passbook inserted from the passbook insertion lower and records transaction details on the passbook and journal paper (not shown), and the bill inserter. A deposit/withdrawal unit 14 that accepts banknotes inserted into the slot 3 and dispenses a specified amount of banknotes to the banknote insertion slot 3, accepts coins inserted into the coin insertion slot 8, and dispenses coins of a specified amount. A coin deposit/withdrawal unit 15 that dispenses coins 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 audio guidance to customers through a speaker (not shown), an internal monitor 18 for staff, and a bank transfer unit. A floppy disk 19 serves as a data file in which financial institution information necessary for transactions, such as bank names and branch names, is recorded in alphabetical order, and controls data transmission between the main control unit 11 and a host computer (center) not shown. A transmission control section 20 and a power supply section 21 are provided.

Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

Next, in such a configuration, FIGS. 4(a) to (e)
The transfer operation will be explained with reference to the flowchart shown in FIG. For example, a customer is now standing in front of this device.

At this time, the CRT display unit 5 will display the message "Welcome, please specify the handling method" and the message "Withdrawal,
Selection keys for "deposit, balance inquiry, passbook entry, transfer, transfer" are displayed. In response to this guidance, the customer presses down the part that says ``Transfer j.'' This causes the main control unit 11 to
determines to proceed to the next processing step, and causes the CRT display unit 5 to display the message ``Press the type of transfer'' and also displays the selection key for ``cash or card withdrawal J'' (STI). , the customer follows the instructions and presses down on the area that says "Card withdrawal" (
ST2). As a result, the main control unit 11 determines that the transfer is to 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 the PIN number recorded on the magnetic stripe section is read by a magnetic head (not shown). , account information such as account number is read (ST6).

The above account information is checked by the main control unit 11 (S
T7) If it is determined that the card is incorrect, the main control unit 11 performs error processing. Furthermore, if the main control unit 11 determines that the card is correct, it displays “Please press your PIN” on the CRT display unit 5, and
Display the numeric keypad and correction key <5T8). Next, the customer follows the instructions and inputs the PIN number by pressing down on the area where the numeric keypad is displayed (ST9
). By inputting this password, the main control unit 11 determines whether the passwords match (5T1o), and if they do not match, performs password re-input processing.

In addition, when the main control unit 11 determines that the PIN numbers match or that the cash key is pressed in step 3,
``Please press the transfer amount'' is displayed on the CRT display section 5 along with a numeric keypad and an amount key (ST11).
).

Next, the customer follows the instructions and inserts the amount to be transferred (ST12). With this input, the main control unit 11
``Press the registration key or designation key depending on whether the destination is registered or not'' is displayed on the T display section 5 (ST13).

At this time, the main control unit 11 inputs the transfer destination as in the following procedure, and also determines whether the transfer is from Cardroza (5T14), and if it determines that the transfer is from Cardroza, it reads from the card. A host computer (not shown) sends a payment message based on the input account information and the input transfer amount, etc.
(ST15). If a payment permission message is returned from the host computer in response to the transmitted payment message (ST16), the main control unit 11 retains the payment permission message as is. This ensures that while the customer is entering the transfer details, i.e. in step 13.1.
9 to step 41, payment processing is performed from the customer's account. In addition, if a non-payment message is returned from the host computer in response to the sent payment message (S
T16.17), even in the middle of inputting the transfer destination, the main control unit 11 displays on the CRT display unit 5 the message "The transfer transaction cannot be performed because the balance is insufficient" and interrupts the transfer transaction (
ST18).

Next, the customer inserts the specified key according to the instructions in step 13 (8-cho 19). When the main control unit 11 determines that the specified key has been input (ST20), the main control unit 11
displays the message "Please press the name of the destination financial institution" on the CRT display section 5, and also displays the selection key for the financial institution name (type) a (SV21>.Following this guidance, the customer presses the name of the financial institution). Lower (SV22)
.

By pressing this button, the main control unit 11 determines that it is not an individual institution name (5T23), and if it determines that a rough list is not possible (SV24), the main control unit 11 displays the initials of the destination bank name on the CRT display unit 5. Please display J, and also display the katakana key and correction key (SV25)
.

When one of the katakana keys is pressed in response to this guidance (SV40>, the main control unit 11 searches for and reads out the bank name corresponding to that katakana from the floppy disk 19 (SV81). If the control unit 11 determines that the read bank names are within 20 lines, that is, a list is possible (SV82), or in step 32, the main control unit 1
1 determines that the list is possible, the main control unit 11 displays the message "Please press the name of the destination bank" and
Display the bank name selection key (SV83). Also,
If the main control unit 11 determines that the read bank names are in 20 lines or more, that is, it is impossible to list them (SV82), the main control unit 1
1 displays the message "Press the destination bank name. If there is no bank name, press the continuation key" and also displays the bank name selection key and continuation key for the first 20 lines (SV84). Following the above guidance, the customer presses the destination bank name, or if there is no corresponding bank name, presses the Continue key (SV85). When the main control unit 11 determines that the continuation key is pressed (SV86), it determines whether there is a bank name that is not displayed (SV88). As a result, if the main control unit 11 determines that there is a bank name that is not displayed, the process returns to step 84 and selects and displays bank names for the next 20 lines. Further, if the main control unit 11 determines that all bank names have been displayed, step 83
, and select and display bank names for the next 20 lines.

If it is determined in step 86 that a bank name has been input, or if the main control unit 11 determines that an individual bank name has been input in step 23, or if the main control unit 11 determines that a list of branch names is not possible ( SV29>, “
"Please enter the initial letter of the destination branch name" and a katakana key and a correction key are also displayed (SV3
0).

When one of the katakana keys is pressed in response to this guidance (ST31), the main control unit 11 searches and reads out the branch name corresponding to that katakana from one floppy disk (SV91). Next, if the main control unit 11 determines that the read branch names are within 20 branches, that is, a list is possible (SV92), or if the main control unit 11 determines that a list is possible in step 32, the main control unit 11 teeth[
Please press the name of the destination branch" and a branch name selection key is displayed (SV93).

In addition, if the main control unit 11 determines that the read branch names are 20 or more branches, that is, the list cannot be displayed (SV92), the main control unit 11 displays the message ``Please press the destination branch name.If there is no branch name, continue. "Please press the key" is displayed, as well as a branch name selection key and a continuation key for the first 20 branches (SV94 button).

Following the above guidance, the customer presses the destination branch name, or if there is no corresponding branch name, presses the Continue key (SV95). When the main control unit 11 determines that the Continue key is pressed (SV96), it further determines whether there is a branch name that is not displayed (SV98).
). As a result, if the main control unit 11 determines that there is a branch name that is not displayed, the process returns to step 94 and the next 20
Selectively display the branch name for the branch. If the main control unit 11 determines that all branch names have been displayed, the process returns to step 93 and selects and displays branch names for the next 20 branches.

If it is determined in step 96 that the bank name is to be entered, the main control unit 11 causes the CRT display unit 5 to display “Please enter the destination account number and deposit type” and also displays the message on the numeric keypad.
Display the correction key, normal key, and temporary key (8-3
4). Following this guidance, the customer enters the account number and deposit type (SV35). If the main control unit 11 determines that it is not the main branch due to this input (SV36), the C
``Please press recipient's name'' is displayed on the R7 display section 5, and a katakana key, an alphanumeric designation key, a key for specifying the recipient's business type, a correction key, and a completion key are displayed (SV37). Then, when the payer's name is entered in accordance with this guidance and the completion key is pressed (S
V41), if it is determined in step 36 that it is the main branch, or if it is determined in step 20 that the registration key should be input, the main control unit 11 causes the CR7 display unit 5 to display "Currently processing the computer. Please wait for a while." (SV42). At this time, the message from the host computer (not shown) includes the recipient's store number, account number, and name.
It includes address, phone number, and multiple remittance information (comprising bank name (Katakana code), branch name (Katakana code), account number, deposit type, etc.). The main control unit 11 also sends and receives inquiry messages, and causes the results to be printed on journal paper (SV43). The financial institution name, bank name, and branch name as the payer information in the inquiry message are sent and received in katakana code.

Next, when the main control unit 11 determines registration (SV44
), the CR7 display section 5 displays "Please confirm the beneficiary", the beneficiary information and the first registered transfer information (bank name, bank branch name) are displayed in kanji, and The confirmation key, cancellation key, and next registration designation key are displayed (SV45). Following this guidance, the customer presses the next registration designation key, confirmation key, or cancellation key (SV46). Then, when the main control unit 11 determines to input the next registration designation key (SV47). Returning to step 45, the transfer destination information is changed to the next transfer destination information and displayed, and when it is determined to input the cancellation key (SV
47), perform the cancellation process. Further, if the main control unit 11 determines that the registration is not registered in step 44, the main control unit 11
Display "Please confirm recipient" on the R7 display section 5, and display a confirmation key and a cancellation key (
SV48). Following this guidance, the customer presses the confirmation key or cancellation key (SV49). Then, when the main control unit 11 determines that the cancellation key has been input (SV50
), perform the cancellation process.

Furthermore, when the main control unit 11 determines that the confirmation key has been input in step 47.50 and determines that Cardroza is not being used (SV51), the main control unit 11 displays the message “Please press the payer's name” on the CR7 display unit 5. ” is displayed, along with a katakana key, an alphanumeric designation key, a key for specifying the type of business location of the transfer destination, a correction key, and a completion key (SV5
2).

Then, when the payer's name is entered in accordance with this guidance and the completion key is pressed (SV56), the main control unit 11 displays "Please enter your telephone number" and displays the numeric keypad and completion key. (SV57).

Following this guidance, the customer inputs his phone number and completion key (SV58).

The completion key is then entered or step 5
If the main control unit 11 determines in step 6 that Cardroza is to be used, the main control unit 11 displays on the CR7 display unit 5 the message “If you agree with the details of the transfer, please press confirm” and displays the details of the transfer and cancellation. Display the key and confirmation key (SV40).

Following this guidance, the customer presses the confirmation key or cancellation key (SV60). When the main control unit 11 determines that the cancellation key has been inserted (SV61), it performs a cancellation process and determines that the confirmation key has been input (5T62). When it determines that the card slot is not being used, the CR7 display unit 5 displays the , please insert coins into the respective slots. If you agree, please press the confirmation key.", and a confirmation key and a cancellation key are displayed (SV63
). Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (SV64
). Then, the bill is accepted into the deposit/withdrawal unit 14,
The coins are inspected and counted, and then accepted into the coin deposit/withdrawal unit 15, where they are inspected and counted (SV65). When the above-mentioned inspection counting is completed, the main control section 11 causes the CR7 display section 5 to display the input amount on the display in step 59 (SV66). In response to this guidance, the customer inserts the confirmation key and cancellation key (ST67). Then, when the main control unit 11 determines that the cancellation key has been pressed (ST68), 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 62 that the computer is to be used, the main control section 11 causes the CRT display section 5 to display "Currently processing the computer. Please wait for a while" (ST69).

The main control unit 11 also transmits and receives the carry-in message, and prints the result on journal paper using a printing device (not shown) (ST70). In response to the end of this printing, the main control unit 1
Step 1 determines whether there is change by comparing the transfer amount with the withdrawal amount or input amount (ST7
1) When the main control unit 11 determines that there is change, the main control unit 11 displays on the CRT display unit 5 the message ``Please receive banknotes and coins from their respective receiving slots, and also displays the amount of change. is displayed (ST72).At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to release change bills into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to deposit change coins into the coin receiving slot 9. is released (ST73). By this release, the customer receives change (ST74). When the receipt of change is completed and the main control unit 11 determines that there is no change in step 71,
The main control section 11 causes the CRT display section 5 to display "Please accept the card." At this time, the main control section 11 causes the card to be ejected from the card insertion slot 6 (ST76). Next, the customer receives the card (ST77) and completes the transfer process.

As mentioned above, when performing a transfer transaction, if you select the bank name and branch name for the sender and recipient, but they cannot be listed on the display, enter the initials of the bank name and branch name. By doing this, the bank name can be specified more quickly.

In the above embodiment, a bank is used as the financial institution, but the present invention is not limited to this, and a post office may also be used.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that can improve the operability of transfer transactions, shorten processing time, and improve usage efficiency.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention; FIG. 1 is a perspective view of the overall appearance, the second rotating cotyledon force 4 is a diagram showing an example of the display on the CR7 display section, and FIG. 3 is a diagram showing the essentials of the electric circuit. FIG. 4 is a flowchart for explaining the transfer operation. 3... Bill insertion slot, 5... CR7 display section, 6...
Card insertion slot, 8... Coin insertion slot, 9... Coin change receiving slot, 11... Main control unit, 12... Magnetic card reading unit, 14... Deposit/withdrawal unit, 15... Coin deposit/withdrawal unit, 16...Customer service unit, 19...Floppy disk. Applicant's agent Patent attorney Takehiko Suzue Figure 1

Claims (5)

[Claims] (1) In an automatic transaction device that performs transfer transactions, etc., there is a storage means for storing various transfer transaction information, an input means for inputting the initial letters of the transfer transaction information, and an initial letter input by the input means. a search means for searching the storage means for transfer transaction information corresponding to the above, a display means for displaying a plurality of transfer transaction information searched by the search means, and one piece of transfer transaction information displayed by the display means. 1. An automatic transaction device comprising: a selection means for selecting; and means for performing a transfer process based on the transfer transaction information selected by the selection means. (2) The automatic transaction device according to claim 1, wherein the transfer transaction information is a financial institution name or a branch name. (3) The automatic transaction device according to claim 1, wherein the various transfer transaction information stored in the storage means are stored in alphabetical order. (4) The automatic transaction device according to claim 1, wherein the initial letter input by the input means is one character. (5) If the transfer transaction information displayed by the display means is one screen or more, the automatic transaction device according to claim 1 displays the next screen by pressing a continuation key. .