JPS61269794A - 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] [Field of Application of the Invention] The present invention relates to an automatic transaction device, particularly an automatic transaction device suitable for use as a terminal for customers to automatically make cash payments, deposits, etc. Regarding.

[Background of the invention]

Conventionally, automatic teller machines and automatic cash dispensing machines have been devised to handle payment transactions at high speed. Improvements in the mechanical performance of the device itself are being promoted, such as improvements to the bill dispensing machine S without a feed. However, the device itself is operated by the customer, and although guidance and CRT are used to guide the customer to operate the keys smoothly, the process begins with selecting the transaction, entering the password, and paying the amount. input,
During confirmation - Until the manual operation is completed, there are many times of guidance and CRT display & the customer waits and responds to the above-mentioned display every time, so the operation time is long until the manual operation is completed. To become a. Furthermore, since the device itself does not have a function to authenticate the customer's level of familiarity with key operations, the same content is displayed without distinction for both inexperienced and experienced customers, and after that, the customer is asked to manually operate the keys. This means that the processing time for payment operations using the device is long, and for banks with few payment devices, etc.
Customers often wait in line. Therefore, even if the payment capacity of the device itself is mechanically high-speed, it can be irritating and unpleasant for waiting customers.
Undesirable situations occurred, such as some customers leaving without making transactions, and the equipment had many problems with its operating rate and serviceability. Japanese Patent Application Laid-Open No. 57-178558 as a method for eliminating the waiting time required for cash withdrawals
However, this method requires input through telephone reservations, which results in a large-scale system, which poses problems in terms of cost and management.

[Purpose of the invention]

SUMMARY OF THE INVENTION An object of the present invention is to provide an automatic transaction device that allows a customer to continuously operate keys manually, thereby shortening the response processing time of the device and improving the operating rate of the device.

(Summary of the Invention) According to the present invention, input operation procedures can be displayed all at once at the beginning of a transaction, and customer input can be performed continuously based on this display.

[Embodiments of the invention]

Hereinafter, one embodiment of the present invention will be described in detail based on the drawings. Fig. 2 shows a front view of the external appearance of the device of the present invention, in which 1 is the main body of the device, 2 is a handling display section that displays the handling status of the device, and 8 is a magnetic card as a handling medium. A card insertion slot for taking in a card, 4 a cash dispensing slot, 5 an operation unit consisting of a plurality of operation keys, 6 a display unit consisting of a display means such as a CRT for displaying customer operation guidance, etc.;
7 is a door that can be opened from the front during maintenance and inspection, and 8 is an axle that supports the main body of the device.

FIG. 1 shows one embodiment of the present invention, and since the same reference numerals are used for the same parts as in FIG. 2, duplicate explanation will be omitted. In the figure, reference numeral 9 denotes a card slip section that transports the magnetic card, reads the stored contents of the magnetic card, writes output information from the processing control section 11, and issues a statement slip to the customer. The IO is a bill dispenser that dispenses cash during payment transactions. 11 is a processing control section of the apparatus of the present invention, as shown in FIG.

In addition to inputting information on each block, commands are issued to each block according to control means of a control program stored in a second storage device 13, which will be described later, to control each block. A first storage device 12 and a second storage device 1B are connected to the processing control unit 11. Specifically, 12 is a readable and writable memory (hereinafter referred to as RAM). , and %13 is a read-only memory (hereinafter referred to as ROM) that stores programs, various control information, and control constants necessary to perform various controls of this device.
). Reference numeral 14 denotes a line control unit, which controls data transmission and reception between the processing control unit 11 and the center 15, which serves as a central processing unit that stores all information necessary for customer transaction operations. It is. The above configuration is
The case where the present invention is applied to an automatic teller machine has been described in detail.

It can also be applied to automatic teller machines that can also deposit banknotes, and there are no differences in structure and function, so the description of automatic teller machines will be omitted, and in the following, the explanation will be given to automatic teller machines. The case where it is applied to a payment device will be explained in detail.

The action of the device of the present invention is illustrated in FIGS. 3 to 8 and 9.
The explanation will be based on the transaction operation flowchart shown in the figure.

In FIG. 9, 20 indicates the start of a transaction, and at 21, the message shown in FIG. 3 is displayed on the CRT 6 of FIG. 2, and the device is in a customer standby state. According to this wording, the customer can insert a magnetic card (not shown) into the card insertion slot 3 shown in FIG. There is. Naturally, the control program is constructed so that the sequence of selection operations for magnetic card insertion and continuous key input is such that it can handle whichever operation is performed earlier. Now, in step 22 of FIG. 9, if the magnetic card is inserted first,
In step 28, %Figure 2 Card Legend! The card data stored in the magnetic card is read by the fourth section 9 and the processing control section 11, and the stored contents are all stored in the first storage device 12 in FIG.
We check the contents of the card data to see if it is a normal card that can be used for transactions, and if it is a fraudulent card that cannot be used for transactions, it will be %70 - Although it is omitted from the chart,
The card is collected or returned to the customer, and the process returns to the standby state of step 21. If the data stored in the card is normal, in step 24 the customer selects continuous key input. Here, even if a continuous key input selection operation is performed at the same time as the card is inserted, it is unclear which key the customer pressed.

The output signal 5S of the operation unit 5 shown in FIG. The pressed key is determined, and step 25
Otherwise, the control is configured to proceed to step 26. The selection of continuous key input shown in step 24 includes processing for adding a function to the device itself to authenticate the customer's degree of familiarity with key operations. In other words, as will be described later, customers who are accustomed to key operations are forced to manually operate the keys all at once for the first time, reducing interaction with customers via the display as much as possible, thereby shortening the processing time of the equipment and improving the operating rate. It means to aim for. In step 24,!
When the key 5a on the arrow side of "No" shown in Fig. 8 is pressed - 1 The device moves to step 25 of Fig. 9, the transaction type is displayed, and the following conventionally known processing is performed. As a result, transactions began to take place, so we will omit its effects. In Fig. 3, if the key 5b on the arrow side of "Yes" is pressed, the process moves to Stella 126 in Fig. %M9, inputs to the process of specifying continuous key input, step 27
At this point, the CRT 6 is instructed to press one key continuously, and the contents shown in FIG. 4 are displayed. In this example, the transaction type can be selected from three stocks, each of which is
A number is determined for each transaction, such as "1" for "payment" transactions, "2" for "balance inquiry", and "8" for "transfer" transactions. and.

After pressing this type number, the type of key to be input and the number of digits are displayed. In addition, in the case of a payment transaction, the key human power example is, in the example, in the case of a payment of 57,000 yen, the % transaction type is “
1”, the PIN is “1284”, the payment amount is specified as “0507”, and this is entered manually using consecutive keys.K
It is displayed as "112B40561". In particular, in the embodiment, it is written that the amount should be entered using the first two digits for a 10,000 yen note and the last two digits for a 1,000 yen note, but this is 11, the payment amount can be easily determined. Therefore.

It is not limited to the examples, and may be any combination of numbers of digits.

It can be configured to allow input. Needless to say, this case can be handled simply by changing the control program. In this example, when receiving payment only in 1,000 yen notes, for example, when specifying a payment of 8,000 yen, enter the amount as "ooos"; conversely, when paying only in 10,000 yen notes, input the amount as "ooos". For example, in the case of specifying a payment of 80,000 yen, the input amount is "0800". Furthermore,
In FIG. 9, when the customer presses one key indicating the transaction type in step 28, the process moves to step 29,
It is determined whether or not keystrokes have been performed for a predetermined number of digits. Naturally, if one key for the transaction type is pressed, the key operation will not end, and step 80
, and it is determined whether the key operation has timed out. This time monitoring is monitored by the processing control unit 11 from the time when the contents of FIG. A time value that takes this into account is set as a limit value, and if the final key input is not completed within this time, it is determined as a 1 timeout, and in step 81, a message indicating an alarm is displayed. ,
Configured to terminate abnormally. The number of digits to be entered is determined by the transaction type number to determine whether it is the final key.

It is easy to judge. by customer.

Every time a key is activated, the information for that key is updated.

(by the processing control unit 11), the first storage device 1 shown in FIG.
2, specifically, the key human power information storage area 12A shown in FIG. In other words, this area still has an empty area even if all the digits are input, and when one key is input (as shown in the aJ diagram, after shifting 1 byte to the left, the latest key input information is transferred to the oldest side. Therefore, Figure (a) shows the stored information after inputting the transaction type and password.

Since erroneous operations may occur if keys are pressed continuously, in this embodiment, a "correction" key (not shown) is also provided on the operation unit 5. Key human power is now available for correction. For example, in this embodiment, after pressing the 4 digits of the PIN, if you realize that you have entered the PIN incorrectly and press the correction key, the 4 digits of the PIN with the contents memorized in (a) of FIG. is cleared, and the "01" indicating the transaction type is automatically shifted backwards to the oldest number, creating a trap that allows the user to enter the password again. Of course, this correction key can also be used to correct the transaction type and amount specification.To correct the transaction type, press the transaction type number and then press the correction key, or to correct the amount. is configured such that by pressing the correction key in the middle of the four digits, the specific area 12A is cleared to 00 and reverse shifted in the same way as when inputting the password, thereby making corrections possible. It is also possible to enable correction using the correction key after entering the 4-digit amount, but in this case, it is necessary to monitor the pressing of the correction key after entering the 4-digit amount, which increases the processing time, so this implementation is not recommended. For example, in the case of payment transactions and transfer transactions, when the 4th digit of the amount is 9, step 2 in Figure 9.
In step 9, it is determined that the key is the final key, and the process proceeds to step 82. Therefore, until you reach the final key, step 2
It is controlled so that 8 to 30 times are repeated. When the final key is pressed, in the case of a payment transaction, key manual information is stored in the specific area 12A as shown in FIG. Area 12A
, 12B, 12GK are each transaction root code and PIN number 4
The digit and the 4-digit payment amount are memorized. Thereafter, the information of these specific areas is read and controlled by the processing control section 11. 12E is an area where the data of the magnetic card read by the card slip unit 9 described above is stored. At step 32 in FIG. 9, key manual data is displayed, and the contents shown in FIG. 8 are displayed on the CRT 2. Of the pressed key information, the 4-digit password is displayed blank so that others cannot see it, and the user is prompted to press the ``confirm'' or ``take'' key (not shown). If there is no abnormality in the key data input by the customer, press the "Confirm" key in step a8,
If you wish to change the transaction type or price at this point, you can press the "cancel" key. If any one of these keys is pressed, the process moves to step 84, where it is determined which key has been pressed.

When the "cancel" key is pressed, the process moves to step 27, and continuous key input can be performed again. When "Confirm" Φ- is pressed, the transaction type is determined in step 35, and it is determined whether the data stored in 12B in FIG. 6 is the code of the transaction type handled by this device. If there is an abnormality in step 36, the process proceeds to step 37, where content indicating an alarm of a transaction type error is displayed on the CRT 2, and the process proceeds to step 52, where the process ends abnormally. If it is normal in step 36, the process moves to step 88, where the password is determined. this is,
It is determined whether the four-digit PIN number stored in area 12C in FIG. 6 matches the PIN number in the PIN area (not shown) of the card data stored in area 12E, and step If there is an abnormality in step 40, the process moves to step 40, where the alarm content of the password error is displayed, and then the process ends similarly. If the PIN is correct,
The process moves to step 41, and it is determined whether the transaction type is a balance inquiry. In the case of balance inquiry transactions, this judgment is
As shown in the figure, since no amount is specified, this is provided to determine whether or not to input the next amount; if balance inquiry is specified, the process moves to step 46. The line control unit 14 is activated and central communication processing for transmitting and receiving transaction information data to and from the center 15 is performed, and the customer's balance sent from the center 15 is printed on the statement slip in step 49, as shown in FIG. After that, the card is discharged from the cash outlet 4 shown in FIG. 4, and then the card is returned in step 50, and the balance inquiry transaction is normally completed in step 51. If it is not a balance inquiry in step 41, that is, in the case of a payment or transfer transaction in this embodiment, an amount input determination is performed in step 42. It is determined whether the specified amount is an amount that can be handled by this device, and verification with the customer's balance is performed in each of the payment processing and transfer processing, which will be described later.

If there is an abnormality in step 43, the process moves to step 45, and a content indicating an alarm of amount input error is displayed.
The process ends abnormally in step 52. If the input amount is normal, it is determined in step 44 whether the transaction type is a "payment" transaction, and if payment is specified, the process moves to step 47, where the central communication ( (not shown)
is activated, and it is determined whether the customer's balance is payable or not.

Only when the bill can be paid, the bill dispensing unit 10 shown in FIG.
Bill discharging is performed by steps 49 to 5.
1, the payment transaction is normally completed. If the transfer is specified in step 44, the process moves to step 48 and transfer processing is performed. In most general devices, the transfer process involves inputting the bank code of the transfer destination, the transfer destination account number, etc. using the keys on the operation panel, but in this embodiment, these information Since it is difficult to input keys continuously manually, as shown in Figure 7, the bank code of the recipient, the account number of the recipient, and other information necessary for the transfer operation are stored in advance in the memory data of the magnetic card. The trick is to use a memorized magnetic card. In step 48, the bank code of the transfer destination, the account number of the transfer destination, and other information necessary for the transfer operation stored in the card information storage area 12H and the information on the deposit amount stored in the transfer amount area 12D are exchanged with the central communication ( (not shown), the transfer process is performed, the result is sent again to the processing control unit 11, the transfer information is printed on the statement slip in step 49, and the card is returned in step 50. The transfer process ends normally at %51.

In this example, a method was adopted in which the selection of transaction type, input of PIN number, input of amount, etc. were performed manually using keys all at once, but a combination of any two of each may be used, or other methods may be limited to the example. Other input information that is not required and must be input manually by the customer may be incorporated into the continuous key input method. Further, in this embodiment, the key manual data is displayed all at once on the CRT 6 after the continuous key manual input is completed, but it goes without saying that it is also possible to notify the customer by display or voice means each time a key is pressed. stomach. Moreover, in this example,
Although the operation control is performed as shown in FIG. 9, the order and control method are not limited, and for example, the K
Although the "confirm" or "cancel" key is pressed, it goes without saying that this can also be omitted. Also, in this embodiment, the three transactions are limited to "payment,""balanceinquiry," and "transfer," but other single transactions may also be included.
Furthermore, although a key manual input method is used, a touch panel input method that allows direct input from a CRT may also be used.It goes without saying that various applications and modifications can be made without departing from the gist of the present invention.

FIG. 1O is a display screen diagram showing another embodiment of the present invention. In this embodiment, steps 21, 24 and 2 in FIG.
6 is removed, the contents of FIG. 10 are displayed all at once, and the customer's input can be input directly from the CRT display instead of using the numeric keypad. Therefore, step 27 in FIG. 9 is a process of displaying the contents of FIG. 10, and step 28 is a process for displaying the position detector 16 (
(described later). Also, in place of the operation section 5 in FIG.

An operation panel 55 shown in FIGS. 11(a) and 11(b) is used. The operation panel 55 is constructed by installing a position detector 16 using an optical matrix method or a strain gauge method at a position 11 where the display surface of the CRT 6 can be seen through.

In FIG. 1θ, for a payment transaction, the card is inserted according to the card insertion guidance. After insertion.

Guidance for inputting each item of the content shown in FIG. 10 is displayed.

When guidance for inputting each item appears, the customer normally enters the information in order from the top of the screen. You can enter either the PIN or the amount first. The total input time monitoring is, for example, 60 seconds.

To enter the password, press the number area 17 with your 4-digit finger or a thin stick-like object, similar to a numeric keypad. The number of digits to be pressed is displayed by displaying a mark for each number of digits in the lower part K of the "PIN", or by displaying a predetermined color at a predetermined four-digit location.

To input the amount, write the number on the input canister 18 with your finger or a thin stick-like object. When you type, the deciphered number will be displayed in that area. If all input is correct, press confirm area 1
Press 9, and if there is an error, press the cancel area 20. Confirmation or cancellation will be invalid unless the above two items are entered.

In this way, by configuring the conventional 4-scene screen on one screen and inputting directly on the screen, it is possible to reduce the screen switching time and the number of human digits, and increase the overall processing capacity. can be improved.

In addition, in Figure 11, the password input is the same as the amount input.

It is also possible to write the numbers within the 4-digit frame.

In this case, to maintain confidentiality, measures such as changing the color of the frame are taken instead of displaying the input numbers.

Further, in each of the above embodiments, only a CRT display has been described, but it can also be realized using a flat display element such as a liquid crystal, an electroluminescent element, or a fluorescent display tube.

On the other hand, as for the input element of the position detector 16 that pairs with the display element, any element can be used as long as it can detect the position of a plane in a matrix.

〔Effect of the invention〕

As explained above, according to the present invention, customer input work can be performed all at once and continuously, so processing time can be shortened and operation rate can be improved.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing one embodiment of the present invention. FIG. 2 is an external view of the automatic cash dispensing device according to the present invention;
4 and 4 are screen diagrams showing examples of display contents according to the present invention, FIGS. 5(a) and 5(b) are explanatory diagrams showing key human information storage areas, and FIG. 6 is a storage area for each input information. A detailed explanatory diagram of the area, FIG. 7 is an explanatory diagram of the contents stored in the magnetic card, FIG. 8 is an explanatory diagram showing an example of the display contents which can also be used as key manual termination pressure, and FIG. 9 is a flowchart showing the processing of the present invention. , FIG. 10 is a screen diagram showing display contents in another embodiment of the present invention. 11(a) and 11(b) are a front view and a plan view of the operation panel in the embodiment of FIG. 10. 2... Handling display section, 3... Card insertion slot, 4...
Cash outlet, 5... Operation unit, 6... Display unit, 9...
- Card slip section, 10... Bill discharging section, 11... Processing control section, 12... First storage section, 13... Second storage section, 16... Position detector. Fig. 1 $ 2 Mouth f $ 52 (d+ Fig. 6 Fig. 2B Round nose Masuenki No. q Fig. 10 U3

Claims (4)

[Claims] (1) An operation section for inputting the transaction type, PIN, transaction amount, etc., a control section for executing control corresponding to the information entered from the operation section, and displaying the processing results and operation details by the control section. In an automated transaction device that performs transactions according to input information, the display section displays items that a customer should input all at once on one guidance screen on the condition that a card is inserted. 1. An automatic transaction device comprising: a control means for permitting continuous input of the displayed items; (2) The automatic transaction device according to claim 1, wherein the batch display and the continuous input can be arbitrarily selected by the operation unit. (3) The automatic transaction device according to claim 1, characterized in that the operation section is provided with a correction key and a correction means that enables correction of the input information after inputting it. (4) The automatic transaction according to claim 1, characterized in that a position detector is provided as the operation unit, which allows input directly from the screen, at a position where the display screen of the display unit can be seen through. Device.