JPS6152793A - 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 cash withdrawal system that can transfer cash to other financial services (e.g., automatic cash withdrawal system).

[Technical Background of the Invention] In recent years, cash machines have been developed that automatically pay the cash requested by the user by accepting a magnetic stripe card containing account information submitted by the user and communicating with a host computer (center). Automatic payment (automatic cash payment), which accepts a magnetic passbook with a magnetic stripe that records account information, and automatically pays the cash requested by the user by communicating with a host computer, or where account information is recorded. Automated transactions such as automatic cash deposit, which automatically accepts cash using a magnetic passbook with a magnetic stripe, and automatic cash withdrawal, which combines both of these functions into one machine. Automation of bank counters is rapidly slowing down, and devices are being introduced at banks to provide faster services to users.

In addition, recently, the above-mentioned automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. Things that do this have been developed and put into practical use.

[Problems with the background technology] However, in the above-mentioned transfer transaction,
Enter the transfer destination, ie bank name, branch name, and account number using the operation, and! 11fFh'X. Therefore, there was a possibility that an error would occur. In particular, 11 silver
For the branch name, you can check the transfer destination online and perform vLH, but
The exchange of data on this online telegram is done using Kanacode.

For this reason, when a confirmation display was made to the customer using Kanacode, there was a problem in that if there was a bank name or branch name that was a homophone, it would not be possible to distinguish the name.

[Purpose of the Invention] This invention was made in view of the above circumstances, and its purpose is to easily and reliably distinguish the first destination information using homonyms, and to improve operability. Our goal is to provide improved automatic transaction equipment.

[Summary of the Invention] In order to achieve the above object, the present invention displays the information in Chinese characters when confirming the transfer destination information.

[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,
A banknote insertion slot 3 is provided for inserting a large number of banknotes to be deposited at once and receiving change for the banknotes.
This bill insertion slot 3 is provided with a door 4 that can be opened and closed. Furthermore, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CRT display unit 5 displays operating procedures and other information on the CR7 screen in the form of illustrations, text, or words to guide the user, and also uses the display to display information such as passwords, amounts, account numbers, transaction approvals, etc. i1 g Yes Press the touch sensor (
(not shown) detects this and outputs a corresponding signal to the main control section 11, which will be described later, thereby performing a so-called key sweep. For example, as shown in Figure 2,
In addition to displaying the words ``Please enter the name of the payer,'' the system also displays katakana for entering the payer's name and a key that supports the type of business where the transfer is to be made.

The contents and display change each time the operation of the 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, there is a main control unit 11 that controls the entire system, which accepts a card inserted through the card insertion slot 6, and reads the PIN number and password from the magnetic stripe on the card. A magnetic card reading section 12 that receives account information such as an account number, 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 banknotes. A deposit/withdrawal unit 14 that accepts banknotes inserted into the insertion slot 3 and dispenses banknotes of a specified amount to the banknote insertion slot 3; and a deposit/withdrawal unit 14 that accepts coins inserted into the coin insertion slot 8 and dispenses banknotes of a specified amount to the banknote insertion slot 3; 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 voice guidance to customers through a speaker (not shown); an internal monitor 18 for the staff; A floppy disk 19 that reads a data file in which financial I-hole information necessary for transfer transactions is recorded, a transmission control section 20 that controls data transmission between the main control section 11 and a host computer (center) not shown, and A power supply section 21 is provided. Further, the main control section 11 is connected to a remote control 1-monitor 22 provided outside for use by an attendant.

Next, the financial (punched data file, so-called gold and silver data file) stored in the floppy disk 19 will be explained with reference to FIG. , are associated in the direction of the arrow by pointers (addresses) stored in each file.File a is a financial institution name data file, and the business name of the financial institution (
For example, urban netsuke, rural forging, trust bank, agricultural cooperative, etc.) type code, pointer for each type (if the list is non-repeatable, the start address in file B; if negative, the start address in file C), type kanji code,
and katakana (kana) codes are stored. File b is a bank name index file in which bank names are stored in alphabetical order, and a pointer (start address in file C) is given to each bank name. File C is a bank name data file, which is divided by financial institution business type, and within each business type, financial is divided by the first letter of the opening name, and contains various bank name data consisting of kanji code and katakana code. and a pointer (if listing is not possible, the start address in file d (, :); if negative is possible, the start address in file e) are stored.

File d is a bank branch name index file,
Bank branch names are stored in alphabetical order, and a pointer (star 1 to address in file e) is assigned to each. File e is a bank branch name data file, divided by bank name, and Within the bank, various bank branch name data consisting of kanji codes and katakana codes are stored, separated by the initial letter of the branch name.

In addition, file f contains the kanji code of the prefecture name (region name) where the agricultural cooperative is located and a pointer for each location system (if a list is not possible,
Start address in file 9, - if negative,
(start address in file h) is stored. File 9 is an agricultural cooperative name index file, in which agricultural cooperative names are stored in alphabetical order, and a pointer (start address in 1 isle h) is assigned to each. File h is an agricultural cooperative name data file, which is divided by prefecture name and by the initial letter of the agricultural cooperative name within the prefecture name, and contains various agricultural cooperative name data consisting of kanji codes and katakana codes, and pointers ( If the list is not possible, the start address in file 1 is stored, and if the list is negative, the start address in file j is stored. File i is an index file for agricultural cooperative branch names, and the agricultural cooperative branch names are stored in alphabetical order.
A pointer (start address in file j) is assigned to each. File j is an agricultural cooperative branch name data file, which contains various agricultural cooperative branch name data consisting of kanji codes and katakana codes, divided by agricultural cooperative name and by the initial letter of the branch name within the agricultural cooperative. Stored.

Next, in such a 414 configuration, FIGS.
The carrying-in operation will be explained with reference to the flowchart shown in e). For example, a customer is now standing in front of this device. At this time, the message “Welcome,
``Please specify the handling method'' is displayed, along with ``Selection keys for collection, deposit, balance inquiry, passbook entry, and transfer J'' are displayed.

In response to this guidance, the customer presses the button labeled "Transfer". As a result, the monarchy ηp unit 11 determines to proceed to the next processing step, displays ``Please press the type of transfer'' on the CRT display unit 5, and presses the selection key for ``cash or card withdrawal.'' Display (ST
I). Next, the customer presses down the area labeled "Card withdrawal" according to the instructions (Sr2). As a result, the main control unit 11 determines that the transfer will be made by debiting the card (5T3), and when cash is specified, the customer is prompted to select whether to use the card (Sr3-
), when using a card, display a message saying "Please insert your card on the CRT display 5" (Sr4)
. Next, the customer inserts the card into the card insertion slot 6 according to the instructions (Sr1). Then, the card is taken into the magnetic card reading section 12, and the PIN code recorded on the magnetic stripe section by a magnetic head (not shown) is read.
Account information such as account number is read (Sr6).

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. In addition, if the main control unit 11 determines that the card is correct, it displays “Please press your PIN” on the CR7 display unit 5, and
A numeric keypad and a correction key are displayed (ST8), and then the customer inputs a PIN number by pressing down on the area where the numeric keypad is displayed (S79).
). By inputting this password, the main control unit 11 judges whether the passwords match or not. 5T10) If they do not match, a password re-input process is performed. Furthermore, if the PIN numbers match, or if it is determined in step 3' that cash is being used and no card is being used, the main control unit 11 displays the CR7 display unit 5.
``Press Transfer/Press Amount'' and a numeric keypad and amount key are displayed ('5T11).

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

Next, the customer inserts the specified key according to the instructions (ST14). When the main control unit 11 determines that this designated key has been input (ST15), the main control unit 11 displays “Please press the name of the destination financial line” on the CR7 display unit 5, and displays the file a on the floppy disk 19. A selection key for Finance d is displayed based on the Finance 1 Ikkeki name data read from (ST16). Following this guidance, the customer presses down the financial service button (ST17).

By pressing this button, the main control unit 11 determines that it is not an agricultural cooperative (ST17-), and that it is not an individual organization name (5T1).
8), and if it is determined that the list is not possible (ST19),
The monarchy TGO section 11 causes the cRT display section 5 to display "Please enter the initial letter of the destination bank name," as well as a katakana key, a correction key, and a completion key (ST20). Then, when the completion key is pressed (ST21), or when the main control unit 11 determines that the list is possible in step 19, the main control unit 11 displays [Please press the name of the destination bank] and A bank name selection key is displayed based on the bank name data read from file C of one floppy disk (ST22). That is, if it is determined that the list is possible, the main control unit 11 uses the pointer for each type indicated by file a on one floppy disk to retrieve multiple bank name data (banks corresponding to the selected financial layer) from file C. If the initial letter of the bank name is entered, the main control unit 11 reads the bank name data from file C using the data pointer on the floppy disk 19 that matches the initial letter input in file b. , those bank names are displayed on the CR7 display section 5. Following this guidance, the customer presses the name of the destination bank (ST23).

By this pressing down, or in step 18, the main control unit 1
1 determines that an individual bank name has been entered, and the main control unit 11 determines that a list of branch names is not possible (ST24>
, the CR7 display unit 5 will display "Please enter the initial letter of the destination branch name," and the katakana key, correction key,
A completion key is displayed (ST24-). When the completion key is pressed (ST25) or when it is determined in step 24 that the branch name can be selected, the main control unit 1
1 displays "Please press the destination branch name" on the CR7 display 5, and also displays the floppy disk 19.
Display the branch name selection key based on the two branch name data read from file e (ST2'6)
. That is, if it is determined that the list of branch names is possible, the main control unit 11 uses the pointer for each bank name shown in the file C on the floppy disk 19 to retrieve a plurality of bank branch name data (selected bank) from the file e. When the first letter of the branch name is entered, the main control unit 11 reads out the list of branches corresponding to The bank branch name data is read and the bank branch names are displayed on the CR7 display section 5. Following this guidance, the customer presses down the name of the destination branch (ST27).

By pressing this down, the main control unit 11 causes the CRT display unit 5 to display “
Please enter the destination account number and payment type,'' and display the numeric keypad, correction key, normal key, and current key (ST28).

Following this guidance, the customer inputs the account number and deposit type (ST29).
If it is determined that the address is not the main office or branch office (S730), 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 (ST32), if it is determined in step 30 that it is the main branch, the main control unit 11 causes the CRT display unit 5 to display the message “Do you want to register the destination?” and select “Register”. "
"Do not register" key is displayed (ST71).

Based on this guidance, if the customer performs the same transfer transaction in the future,
Press down the "Register" key (ST72). Then,
The main control unit 11 determines the registration of the destination, and enters data indicating the registration of the destination in the message sent to the host computer, and proceeds to step 33. Further, according to the guidance in step 71, if the customer does not want to perform the same transaction in the future, he or she presses the "Do not register" key (ST73).

Then, the main control unit 11 directly proceeds to step 33 without determining the registration of the destination.

Next, as in the case where it is determined in step 15 that the registration key has been input, the main control section 11 causes the CRT display section 5 to display "Currently processing the computer. Please wait for a while" (ST33).

At this time, the message from the host computer (not shown) includes the recipient's store number, account number, name, address, telephone number, and multiple transfer destination information (bank name (Katakana code), branch name (Katakana code), account (consisting of 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 (ST34). The bank name, bank name, and branch name as the payer information in the above inquiry message are sent and received in katakana code. Next, the main control section 11
If it is determined that the recipient is registered (ST35), as shown in FIG.
Er! "Please press confirm" is displayed, and
Displays the beneficiary information and the first registered remittance information (bank name, bank branch name) in kanji, and also displays the confirmation key, cancellation key, and designation key for the next registration (ST
36).

The transfer destination information, that is, the bank name and bank branch name, is displayed in kanji based on data read from files c, e, etc. of the floppy disk 9 in accordance with the katakana code. Following this guidance, the customer presses the next registration designation key, confirmation key, or cancellation key (ST37). Then, when the main control unit 11 determines to input the next registration designation key (ST38). Returning to step 36, the transfer destination information is changed to the next transfer destination information and displayed, and when it is determined to input the cancellation key, 5T38
), perform the cancellation process. Further, in step 35, the main control unit 1
1 is not registered, the main control unit 11
``Please confirm recipient'' is displayed on the display unit 5, and the files c and e on one floppy disk are displayed.
The recipient information is displayed in kanji based on the data read from etc., and the confirmation key and cancellation key are also displayed (ST
40). Following this guidance, the customer presses the confirmation key or cancellation key (ST41). Then, when the main control unit 11 determines that the cancellation key has been input (ST42),
Perform cancellation processing.

Further, when the main control unit 11 determines that the confirmation key has been input in step 38.42 and determines that Cardroza is not being used (ST39), the main control unit 11 displays the message “Please enter the payer's name” on the CRT display unit 5. '', along with katakana and a key that supports the type of establishment of the transfer destination (
ST43).

Following this guidance, the user presses the payer's name and the completion key (ST44).

Next, when the main control unit 11 determines to use Cardroza in step 39, the main control unit 11 performs the following operations as shown in FIG.
The CRT display unit 5 displays the message ``If you are satisfied with the details of the transfer, please press confirm'' and also displays the details of the transfer, a cancellation key, and a confirmation key (ST47). Following this guidance, the customer presses the m [acknowledge key or cancel key (S'T48). Then, the main control section 11
When S-king determines that 12 people have the cancellation key (ST49), it performs cancellation processing and determines whether to input the confirmation key (S 50).

When it is determined that it is not for Cardro magazine, CR7 display section 5
``Please put banknotes and coins into their respective slots.
If you agree, please press the confirmation key.'' along with a confirmation key and a cancellation key (S
T51). Following this guide, the customer inserts the banknote into the banknote insertion slot 3 and inserts the coin 'ff! Insert the coins into the coin input slot 8 (ST52).

Then, the banknotes are accepted into the deposit/withdrawal unit 14 for inspection and counting, and the coins are accepted into the coin deposit/withdrawal unit 15.
It is inspected and counted (ST53). 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 51 (ST54). In response to this guidance, the customer inserts the confirmation key and cancellation key (ST
55).

Then, when the main control unit 11 determines that the cancellation key has been input (
ST56), performs cancellation processing.

Furthermore, when the main control unit 11 determines that the confirmation key has been input,
By comparing the transferred amount and the inserted amount, it is determined whether there is change (ST80).

When the main control unit 11 determines that there is change, it further determines whether there is a card (ST81).

At this time, when it is determined that there is a card, the main control unit 11
The R7 display unit 5 displays the message ``Do you want to cash the change or transfer it to Cardroza?'' and a selection key is displayed (ST82). The customer makes a desired selection in accordance with this guidance (ST83). Then, the main control unit 11 stores the selection result and adds it to the message sent to the host computer.

And then, step 83, I! I! ! ? After the completion of the process, or if it is determined in step 50 to use Cardroza, the main control section 11 causes the CR7 display section 5 to display "Currently processing the computer. Please wait for a while" (S
T57)6 In addition, the main control unit 11 sends and receives transfer messages,
The result is printed on journal paper using a printing device (not shown) (ST58). Upon completion of this printing, the main control unit 11 determines whether the selection made in step 83 is to pay out the change in cash or not. (ST59). Then, when the main control unit 11 determines that change should be paid out in cash, the main control unit 11 causes the CR7 display unit 5 to display "Please receive banknotes and coins from their respective receiving slots." At the same time, the amount of change is displayed (ST60). At this time, the main control unit 11 operates the deposit/withdrawal units 1 to 14 to discharge change bills into the bill insertion slot 3, and operates the coin deposit/withdrawal units 1 to 15 to discharge change coins into the coin receiving slot 9. (ST61). As a result of this release, the customer receives change (ST62). When the change has been received,
When the main control unit 11 determines to transfer the change to Cardroza in step 5, or in step 80, the main control unit 11
When the main control unit 11 determines that there is no change, the main control unit 11 causes the CR7 display unit 5 to display “Please receive the card”.

At this time, the main control section 11 causes the card to be ejected from the card insertion slot 6 (ST64). Next, the customer receives the card (ST65) and completes the transfer process.

Next, when it is determined in step 17' that the financial type is an agricultural cooperative, the main control unit 11 causes the CR7 display unit 5 to display "Please enter the name of the prefecture where the destination agricultural cooperative is located," and also displays a file on a floppy disk. Based on the data read from f, a prefecture name selection key, correction key, and completion key are displayed (ST84). Then, when the completion key is pressed (ST85), if it is determined that the list is not possible (ST86)
, the main control section 11 causes the CR7 display section 5 to display "Please enter the first letter of the color of the destination agricultural cooperative," as well as display a katakana key, a correction key, and a completion key (ST87).

Then, when the completion key is pressed (ST88) or in step 86, the main display is made, and the j selection key of the name of the agricultural cooperative is displayed based on the agricultural cooperative color data read from the file h of one floppy disk (SV
89).

In other words, if it is determined that the list is possible, the main control unit 11 uses the pointer for each prefecture indicated by the file f on the floppy disk 19 to retrieve a plurality of agricultural cooperative name data (agricultural cooperative name data corresponding to the selected prefecture) from the file h. If the initial letter of the agricultural cooperative name is entered, the main control unit 11 reads the agricultural cooperative name data from file h using the pointer of the data that matches the initial letter input in file Q on one floppy disk. , the names of those agricultural cooperatives are displayed on the CR7 display section 5.

Following this guidance, the user presses down the name of the destination agricultural cooperative (SV90). If it is determined that the list of branch names cannot be displayed by pressing this button (ST91), the main control unit 11
7. The display section 5 displays "Please enter the initial letter of the destination branch name" and also displays a katakana key, a correction key, and a completion key (SV92). Then, when the completion key is pressed (SV93) or if it is determined in step 91 that the branch name is negative, the main control unit 11
The message ``Press destination branch name'' is displayed on the display section 5, and a branch name selection key is displayed based on the branch name data read from file j on the floppy disk 19 (SV94). That is, if it is determined that a list of branch names is possible, the main control unit 11 uses the pointer for each agricultural cooperative name indicated by file h, which is opened in the floppy disk 19, to retrieve multiple agricultural cooperative branch name data (for the selected agricultural cooperative) from file j. When the first letter of the branch name is entered, the main control unit 11 uses the pointer of the data that matches the first letter of the file i on the floppy disk 19 to read out the list of corresponding branches) and reads the file j.
Agricultural cooperative branch name data is read from , and these agricultural cooperative branch names are displayed on the CR7 display section 5.

Following this guidance, customers press down on the branch name (SV
95). By pressing this button, the main control section 11 causes the CR7 display section 5 to display "Please enter the recipient's account number and deposit type 1", and also presses the numeric keypad, correction key, etc.
Display the normal key and temporary key (SV96). Following this guidance, the customer enters the account number and deposit type (SV97).

With this input, the main control unit 11 causes the CR7 display unit 5 to display the message “Do you want to register the destination?” and also displays the keys “Register” and “Do not register” (S
V40). Based on this guidance, if the customer wishes to perform the same transfer transaction in the future, the customer presses the "Register" key (SV99).

Then, the main control unit 11 determines the registration of the destination, enters data indicating the registration of the destination in the message sent to the host computer, and proceeds to step 101. Also, step 98
If the customer does not want to perform the same transaction in the future, the customer presses the "Do not register" key (ST100).

Then, the main control unit 11 directly proceeds to step 101 without determining the registration of the destination.

Next, in the same manner as when inputting the registration key was determined in step 9, the main control unit 11 causes the CR7 display unit 5 to display "Currently processing the computer. Please wait for a while" (ST101).

At this time, the message from the host 1 computer (not shown) includes the recipient's store number, account number, name, address, telephone number, and multiple remittance information (agricultural cooperative name (katakana code), agricultural cooperative branch name (katakana code) ), account number, deposit type, etc.). The main control unit 11 also sends and receives inquiry messages, and prints the results on journal paper (ST102). The prefecture name, agricultural cooperative name, and branch name as the payer information in 85 of the inquiry message are sent and received in katakana code. The main control unit 11 then proceeds to step 35, and the subsequent processing is the same as described above. However, when displaying confirmation of the recipient and recipient in step 36.40, the name of the agricultural cooperative and agricultural cooperative branch of the recipient will be displayed in kanji based on the data read from files h, j, etc. on one floppy disk. There is.

As mentioned above, when confirming the remittance destination, the kanji code read from the financial data file is displayed in kanji, making it easier to distinguish between bank names, agricultural cooperative names, branch names, etc., which are homophones. This can be done reliably and improves operability.

In addition, in the above-mentioned example, katakana code was used as the kana code, but the present invention is not limited to this, and hiragana code may be used. Alternatively, a post office may be used as the money institution.

[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 easily and reliably identify remittance information using homophonic words and improves operability.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention; FIG. 1 is a perspective view of the overall appearance, FIG. 2 is a diagram showing an example of a display on a CRT display section, and FIG. 3 is a diagram showing the configuration of main parts of an electric circuit. Figure 4 is a diagram showing an example of recording a financial data file on a floppy disk, Figure 5 is a flowchart to explain the transfer operation, and Figures 6 and 7 are when confirming the transfer details in the transfer operation. FIG. 3 is a diagram showing an example of a display on a CRT display section. 3... Bill insertion slot, 5... CRT display section, 6...
Card insertion slot, 8... Coin insertion slot, 9... Coin change receiving slot, 11... Main control ul', 12... Magnetic card read section, 14... Deposit/withdrawal unit, 15...・Coin deposit/withdrawal unit, 16...Customer service unit, 19...
・Floppy disk, a-j...file. Applicant's Representative Patent Attorney Takehiko Suzue Figure 1 Figure 2 Figure 3 Figure 4

Claims (2)

[Claims] (1) In an automatic transaction device that performs transfer transactions, etc., a storage means for storing transfer destination information in Kanji code and Kana code, a selection means for selecting the transfer destination information, and transfer destination information by this selection means. display means for displaying the selected remittance information in kanji using the kanji code; and means for executing the remittance transaction using the kana code after confirming the selection of the remittance information. An automatic transaction device characterized by: (2) The above remittance information includes the type of financial institution, region name,
The automatic transaction device according to claim 1, wherein the information is a financial institution name, a branch name, etc.