JPS6170691A - 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 or an ID card from an account to another financial institution, for example.

[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 submitted by the user, on which account information is recorded, and communicating with a host computer (center). An automatic teller machine or an automatic teller machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded and automatically disburses the cash requested by the user by communicating with a host computer. Automated transactions such as automatic teller machines that automatically accept cash using magnetic passbooks with magnetic stripes, and automatic teller machines that combine both of these functions into one machine. BACKGROUND ART Devices are rapidly developing as automation equipment for bank tellers, and are being introduced at each bank to provide speedy 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,
The information of the sender, the amount to be transferred, and the information of the transfer destination are entered through operations. For this reason, there was a problem that the operation took a long time and the operating rate of the device was poor.

[Object of the invention] This invention was made in view of the above circumstances, and its purpose is to reduce the processing time of transfer transactions.

It is an object of the present invention to provide an automatic transaction device that can shorten the time and improve usage efficiency.

[Summary of the Invention] In order to achieve the above object, the present invention stores the fact that a transaction medium has been accepted in a storage means, selects either a cash transfer transaction or a transaction medium transfer transaction by a selection means, and performs a selection operation by the selection means. If acceptance of the transaction medium is determined before the transfer transaction selection operation is performed, the transaction medium transfer transaction is performed without performing the transfer transaction selection operation.

[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 CR7 display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2. This CR7 display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user.
By pressing the display area corresponding to approval, confirmation, or cancellation of a transaction, a touch sensor (not shown) detects it and outputs a corresponding signal to the main control unit 11, which will be described later. It is something that is done.

For example, as shown in Figure 2, the message ``Please enter the payer's name'' is displayed, along with katakana for entering the payer's name and a key that supports the type of business where the transfer is being made. There is.

The contents and display change each time the machine operation or step status changes.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 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 a number, a passbook printing section 13 that reads the magnetic stripe section of a passbook inserted from the passbook insertion lower and records transaction details on the passbook and journal paper (not shown), and the bill insertion slot. A deposit/withdrawal unit 14 accepts banknotes inserted into the coin insertion slot 3 and dispenses banknotes of a specified amount into the banknote insertion slot 3; accepts coins inserted into the coin insertion slot 8; A coin deposit/withdrawal unit 15 that dispenses coins to the coin receiving slot 9, a customer service unit 16 constituted by the CR7 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 transfer transaction. A floppy disk 19 reads a data file in which financial institution information necessary for data processing is recorded, a transmission control unit 2o that controls data transmission between the main control unit 11 and a host computer (center) not shown, and a power supply unit 21. It is 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 message ``Welcome, please specify the handling method'' will be displayed on the CR7 display 5, and the message ``Withdrawal,
Selection keys for deposit, balance inquiry, passbook entry, transfer, and transfer j are displayed (ST1). Next, the main control unit 11 determines whether the card has been inserted into the card insertion slot 6 by the customer. (ST2). As a result, if it is not determined that the card has been inserted, the process proceeds to step 6, which will be described later. If it is determined that the card has been inserted, the card is taken into the magnetic card reading section 12 and recorded on the magnetic stripe section by a magnetic head (not shown). Account information such as the personal identification number and account number are read (ST3). The above account information is checked by the main control section 11 (ST4), and if it is determined that the card is incorrect, the main control section 11 performs error processing. Further, when the main control unit 11 determines that the card is correct, it stores the card insertion data in the main memory (not shown) (ST5).

Then, in accordance with the guidance in step 1, the customer inserts the card strip or presses down the area labeled "Transfer" without inserting the card (ST6).

As a result, the main control unit 11 determines whether to proceed to the next processing step and also determines whether the card has been inserted (ST7). As a result, if it is determined that the card has been inserted, the process proceeds to step 16, which will be described later. If the card has not been inserted, the CR7 display section 5 displays "Please press the type of transfer" and "Cash, card withdrawal". The J selection key is displayed (ST8).

Next, the main control unit 11 determines whether the card has been inserted into the card insertion slot 6 by the customer.

(ST9). As a result, if it is determined that the card has been inserted, the process proceeds to step 14, which will be described later. It hurts. Before deciding whether to insert the card, the customer should follow the instructions in step 8 and press down on the area that says "Card withdrawal" (S
T10). As a result, the main control unit 11 determines that the transfer is to be made by debiting the card (5T11), and in the case of using a card, displays a message "Please insert your card" on the CR7 display unit 5 (ST12). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST13). Then, when the card is inserted, or when the main control section 11 determines that the card is inserted in step 9, the card is taken into the magnetic card reading section 12 and recorded on the magnetic stripe section by a magnetic head (not shown). Account information such as a password and account number is read (ST14). The above account information is checked by the main control section 11 (ST15), and if it is determined that the card is incorrect, the main control section 11 performs error processing. Further, if the main control unit 11 determines that the card is correct, or if the main control unit 11 determines in step 7 that the card has been inserted, it displays “Please press your PIN” on the CR7 display unit 5, and , a numeric keypad and a correction key are displayed (STj6). Then,
Following the instructions, the customer enters their PIN number by pressing down on the area where the numeric keypad is displayed (STI7)
. By inputting this password, the main control unit 11 judges whether or not the passwords match (5T18), and if they do not match, performs a password re-input process. In addition, if the PIN numbers match, or if it is determined in step 11 that the payment is in cash and no card is being used, the main control unit 11 displays the message "Please press the amount to be transferred" on the CR7 display unit 5, and presses the numeric keypad and amount key. is displayed (ST19).

Next, the customer follows the instructions and inserts the amount to be transferred (ST20). 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" (ST22).

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 or not. A host computer (not shown) sends a payment message based on the input account information and the input transfer amount, etc.
(ST25). If a payment permission message is returned from the host computer in response to the transmitted payment message (ST25), the main control unit 11 retains the payment permission message as is. As a result, payment processing is performed from the customer's account while the customer is inputting the transfer destination, that is, between steps 22 and 46. Furthermore, if a payment failure message is returned from the host computer in response to the sent payment message (ST26.
27) Even in the middle of inputting the transfer destination, the main control unit 11 displays on the CR7 display unit 5 the message "The transfer transaction cannot be performed because the balance is insufficient" and interrupts the transfer transaction (ST28).
).

Next, the customer inserts the specified key according to the instructions in step 22 (ST23). When the main control unit 11 determines that the specified key has been input (ST24), the main control unit 11
``Please press the name of the destination financial institution'' is displayed on the CR7 display section 5 (ST29>).Following this guidance, the customer presses the name of the financial institution (ST30).This press causes the main control section 11 to If it is determined that the name is not an individual institution name (5T31), and it is determined that the list is not possible (S
T32), the main control unit 11 causes the CR7 display unit 5 to display ``Please enter the initial letter of the destination bank name'' and also displays the katakana key, correction key, and completion key (ST
33). Then, when the completion key is pressed (ST3
4), or if the main control unit 11 determines that the list is possible in step 32, the main control unit 11 displays the message "Please press the destination bank name" and displays a bank name selection key (ST35). . Following this guidance, the customer presses the name of the destination bank (ST36).

By this depression, or in step 31, the main control unit 1
1 determines that an individual bank name has been input, and the main control unit 11 determines that a list of branch names is not possible (ST37).
, 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 (ST38). Then, when the completion key is pressed (ST39), or when it is determined in step 24 that a list of branch names is possible, the main control unit 11 displays the message "Please press the destination branch name" on the CR7 display unit 5.
is displayed, and a branch name selection key is also displayed (ST40). Following this guidance, the customer presses down the name of the destination branch (ST41).

By pressing this button, the main control unit 11 displays “” on the CR7 display unit 5.
Please enter the destination account number and deposit type,'' and display the numeric keypad, correction key, normal key, and current account key (ST42).

Following this guidance, the customer enters the account number and deposit type (ST43). With this input, the main control unit 11
If it is determined that the address is not the main office or branch office (ST44), the CR7 display section 5 displays "Please press recipient's name", as well as a katakana key, a correction key, and a completion key (ST45). Then, when the completion key is pressed down (ST46), if it is determined in step 44 that it is the main branch, the main control unit 11 causes the CR7 display unit 5 to display "Currently processing the computer. Please wait for a while" (ST47). . 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 remittance information (bank name (
(Katakana code), branch name (Katakana code), account number, deposit type, etc.). The main control unit 1'1 also sends and receives inquiry messages and prints the results on journal paper (ST48). Financial institution name, bank name, as payer information in the above inquiry message,
Branch names are sent and received in katakana code.

Next, when the main control unit 11 determines registration (ST49
), 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 (ST50). Following this guidance, the customer presses the next registration designation key, confirmation key, or cancellation key (ST51). Then, when the main control unit 11 determines to input the next registration designation key (ST52). Returning to step 49, the transfer destination information is changed to the next transfer destination information and displayed, and when it is determined to input the cancellation key (ST5
2) Perform cancellation processing. Furthermore, if the main control unit 11 determines in step 4 that it is not registered, the main control unit 11
7. Display ``Please confirm recipient'' on the display section 5, and also display a confirmation key and a cancellation key (S
V53). Following this guidance, the customer presses the confirmation key or cancellation key (SV54). Then, when the main control unit 11 determines that the cancellation key has been input (SV55)
, performs the cancellation process.

Furthermore, when the main control unit 11 determines that the confirmation key has been input in step 52 and 55 and determines that Cardroza is not being used (SV56), the main control unit 11 displays the CR7 display unit 5 and asks for the name of the payer. In addition to displaying katakana and a key that supports the type of business establishment of the transfer destination (
SV57).

Following this guidance, press the sender's name and the completion key (SV58).

Next, if the main control unit 11 determines to use the card account in step 56, the main control unit 11 displays on the CR7 display unit 5, ``If you agree with the details of the transfer, please press confirm'', and also displays the details of the transfer and cancellation. Display the key and confirmation key (5 STs). Following this guidance, the customer presses the confirmation key or cancellation key (SV60
), and when the main control unit 11 determines that the cancellation key has been input (SV61), it performs the cancellation process and determines that the confirmation key must be input (5T62), and when it determines that the card slot is not being used, the CR7 display unit 5 ``Please put banknotes and coins into their respective slots. If you agree, press the confirmation key'' is displayed, as well as a confirmation key and a cancellation key (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 banknotes are accepted into the coin deposit/withdrawal unit 14 and inspected and counted, and the coins are accepted into the coin deposit/withdrawal unit 15 and inspected and counted (S
V65). When the inspection counting is completed, the main control unit 11
causes the CR7 display unit 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 (SV67). Then, when the main control unit 11 determines that the cancellation key has been input (SV40)
, performs the cancellation process.

Furthermore, when the main control unit 11 determines that the confirmation key has been input,
Alternatively, if it is determined in step 62 that Cardroza is to be used, the main control section 11 causes the CR7 display section 5 to display "Currently processing the computer, please wait for a while" (SV69).

The main control unit 11 also sends and receives the transfer message, and prints the result on journal paper using a printing device (not shown) (SV70). 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 (SV71). When the main control unit 11 determines that the change should be paid out in cash, the main control unit 11 causes the CR7 display unit 5 to display "Please receive bills and coins from their respective receiving slots" and displays the amount of change. (SV72). At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to release change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to release change coins into the coin receiving slot 9 (SV73
). The customer receives change due to this release (SV74)
. When the receipt of change is completed and the main control unit 11 determines that there is no change in step 71, the main controller 111'l1
The section 11 causes the CR7 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 (SV76).

The customer then receives the card (SV77) and completes the transfer process.

As mentioned above, by inserting the card in advance before selecting the transfer transaction from the transaction type selection, it is possible to omit the selection operation of whether the transfer transaction is cash or the account is debited by card, improving usage efficiency. It is now possible to do so.

Note that in the above embodiment, a katakana code is used as the kana code, but the present invention is not limited to this, and a hiragana code may be used. Alternatively, a post office may be used as the financial 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 shorten the processing time of transfer transactions and improve usage efficiency.

[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. 4 are flowcharts for explaining the transfer operation. 3... Bill insertion slot, 5... CRT 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 Figure 2 Figure 3

Claims (1)

[Claims] In an automatic transaction device that performs a transfer transaction, means for accepting a transaction medium, a determining means for determining whether the transaction medium has been accepted, a selection means for selecting a cash transfer transaction or a transaction medium transfer transaction, and the selection means and means for performing a transaction medium transfer transaction without performing the transfer transaction selection operation when the judgment means determines acceptance of the transaction medium before the transfer transaction selection operation is performed. automatic trading device.