JPS6197792A - 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 a cash machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded and automatically pays out the cash requested by the user by communicating with the host combination or user. Automatic teller machines that automatically accept cash using magnetic passbooks with recorded magnetic stripes, and even automatic teller machines that combine both of these functions into one machine. Automated transaction devices have rapidly taken off as automation equipment at bank counters, and are being introduced at banks to provide faster services to their users.

In addition, recently, automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, and also to transfer a predetermined amount from one's own account to another bank account through card transactions. Things that carry out transactions have been developed and put into practical use.

F Problems with the background technology
It is necessary to input the information of the payer, the amount to be transferred, and the information of the transfer destination, making these operations quite difficult for ordinary people to perform.

[Purpose of the Invention] This invention was made in view of the above-mentioned circumstances, and its purpose is to provide an automatic transaction system that allows users to correct errors in selecting the transfer destination information, that is, the type of financial institution. The goal is to provide equipment.

[Summary of the invention] In order to achieve the above object, this invention converts screen data consisting of multiple financial institution names into financial services! ! Each type of Isoseki is stored in a storage means, and when a financial institution to which the transfer is to be made is selected, the screen data stored in the storage means is combined with items for each type of financial institution and other items indicating other financial institutions. display, select and specify one of the displayed items, display the selected screen data one after another from the storage means, and when the other item key is selected, one of the displayed items
The system determines that there are two types and displays the corresponding display.

[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 door 4 that can be opened and closed.

Furthermore, a color cRr 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 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 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, 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 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. Accepts banknotes inserted into the insertion slot 3,
A deposit/withdrawal unit 14 that dispenses a designated amount of banknotes into the bill insertion slot 3; a coin receiving/dispensing unit 14 that accepts coins inserted into the coin insertion slot 8; and a coin deposit/withdrawal unit 14 that dispenses a designated amount of coins into the coin receiving slot 9; A deposit/withdrawal unit 15, a customer service unit 16 constituted by the CR7 display section 5, an audio guidance unit 17 that provides voice guidance to customers through a speaker (not shown),
An internal monitor 18 for staff, a floppy disk drive 19 for reading data files containing financial institution information necessary for transfer transactions, and a data transmission system between the main control section 11 and a host computer (center) not shown. A transmission control section 20 and a power supply section 21 are provided for controlling. Also,
The main control section 11 is connected to a remote monitor 22 for use by a staff member installed outside.

Next, in such a configuration, FIGS. 4(a) to (d)
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 CR7 display unit 5 displays [Welcome, please specify your transaction] and 11 selection keys such as "Withdrawal, Deposit, Balance Inquiry, Passbook Entry, Deferment" are displayed. In response to this guidance, the customer presses down on the area that says ``Transfer''. As a result, the main control unit 11
determines to proceed to the next processing step, and displays "Please press the type of transfer" on the CR7 display section 5, as well as a selection key for "cash or card withdrawal" (STI). Next, the customer presses down on the area that says "Card withdrawal" according to the instructions (
Sr2>. As a result, the main control unit 11 determines that one transfer is to be made by debiting the card.5T3), CR7
The display section 5 displays a message "Please insert your card" (Sr1). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (Sr5). Then, the card is taken into the magnetic card reading section 12,
Account information such as a password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (Sr6).

The above account information is checked by the main M 111 section 11 (8-cho 7), and if it is determined that the card is incorrect, the main control section 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 CR7 display unit 5, as well as a numeric keypad and a correction key (Sr8).
. Next, the customer follows the instructions and enters the PIN number by pressing down on the area where the numeric keypad is displayed (
S79). By inputting this password, the main control unit 11 determines whether or not the passwords match (STlo), and if they do not match, a password re-input process is performed.

Furthermore, when the PIN numbers match or when it is determined that the cash key has been pressed in step 3, the main control unit 11
``Press the transfer amount'' along with the numeric keypad and amount key are displayed on the CR7 display section 5 (ST11
).

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).

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. The host computer (not shown) displays important payment statements 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. As a result, while the customer is inputting the transfer destination, that is, step 13.
Payment processing is performed from the customer's account between step 19 and step 41. In addition, if a non-payment message is returned from the host computer in response to the sent payment message, (
ST16.17), the main control unit 11
displays on the CR7 display section 5, ``Due to insufficient balance, the transfer transaction cannot be performed.J'' and interrupts the transfer transaction (ST18).

Next, the customer inserts the specified key according to the instructions in step 13 (ST19). When the main control unit 11 determines that this designated key has been input (Sr20), the main control unit 11
will display [Please press the name of the destination financial institution J] on the CR7 display section 5, as well as display the selection key for the financial institution name (type). (Sr21). For example, as shown in FIG. 5, keys for selecting city bank names, names of various types of financial services, and others are displayed. Following this guidance, the customer presses down on the financial institution name (S
r22>. If any other key is pressed at this time,
The main control unit 11 determines that a local bank has been selected. This is because the name of the city bank is displayed as is.
Other trust banks, mutual banks, credit unions, credit unions, etc. have the type of financial institution attached to their bank name, so
You can select the type without any problem. However, when the recipient bank is a local bank, most people do not know that it is a local bank, so they input other keys. This makes it possible to help users make mistakes in selecting local banks.

When the main control unit 11 determines that it is not an individual institution name by pressing the above financial institution name (5T23), and determines that a rough list is not possible (SV24), the main control unit 11 displays “Delivery bank name” on the CR7 display unit 5. ``Please enter the first letter of your first name'' and a katakana key, a correction key, and a completion key are also displayed (SV25). Then, when the completion key is pressed (SV40), or when the main control unit 11 determines that the list is available in step 32, the main control unit 11 displays the message "Please press the name of the destination bank" and A bank name selection key is displayed (SV27). Following this guidance, the customer presses the name of the destination bank (
SV28).

By this depression, or in step 23, 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 (SV29)
, the CR7 display unit 5 will display "Please enter the initial letter of the destination branch name," and the katakana key, correction key,
Display the completion key (SV30). Then, when the completion key is pressed (ST31), or when it is determined in step 29 that the list of branch names is possible, the main control unit 1
1 causes the CR7 display unit 5 to display the message ``Press destination branch name'' and a branch name selection key (SV32). Following this guidance, the customer presses down the name of the destination branch (SV40).

'By pressing this button, the main control unit 11 causes the CR7 display unit 5 to display ``Please enter the destination account number and deposit type'' and also displays the numeric keypad, correction key, normal key, and current key (SV34).

Following this guidance, the customer enters the account number and deposit type (SV35). With this input, the main control unit 11
If it is determined that the address is not the main branch (SV36), the CR7 display unit 5 will display "Please press the beneficiary name", and the katakana key, alphanumeric designation key, key to indicate the beneficiary's business type, and correction key will be displayed. , the completion key is displayed (SV37). Then, when the payer's name is entered in accordance with this guidance and the completion key is pressed (SV41
), 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 displays on the CR7 display unit 5 the message "Currently processing the computer, please wait for a while" ( S.V.
42). At this time, the host computer (not shown)
The message from the recipient will include the recipient's store number, account number, name, address,
It includes a phone number and multiple remittance information (comprising bank name (katakana code), branch name (katakana code), account number, deposit type, etc.). In addition, the main control unit 1
1 sends and receives inquiry messages and prints the results 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
), "Please confirm recipient" on CR7 display 5
In addition to displaying the beneficiary information and the first registered remittance information (bank name, bank branch name) in kanji, the confirmation key, cancellation key, and designation key for the next registration are also displayed ( SV45). Following this guidance, the customer presses the next registration designation key, confirmation key, or cancellation key (SV40). Then, when the main control unit 11 determines to input the next registration designation key (ST47')
. 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 (S
V47), performs cancellation processing. Further, if the main control unit 11 determines that the registration is not registered in step 44, the main control unit 11 causes the CRT display unit 5 to display "Please confirm recipient" and also displays a confirmation key and a cancellation key. (ST48). Following this guidance, the customer presses the confirmation key or cancellation key (ST49). and,
When the main control unit 11 determines that the cancellation key has been input (ST5
0), performs cancellation processing.

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 (ST51), the main control unit 11 displays the message “Press the name of the person carrying the vehicle” on the CR7 display unit 5. Please display a katakana key, an alphanumeric designation key, a key to specify the type of business to which the transfer will be made, a correction key, and a completion key (ST5).
2).

Then, when the name of the person carrying the item is entered in accordance with this guidance and the completion key is pressed (ST56), the main control unit 11 displays "Please enter your telephone number" and also displays the numeric keypad and the completion key. Sesameru (ST57).

Following this guidance, the customer inputs his phone number and completion key (ST58).

When this completion key is input, or when the main control unit 11 determines to use Cardroza in step 51, the main control unit 11 displays on the CR7 display unit 5, “If the details of the transfer are correct, please press confirm.” , transfer details,
A cancellation key and a confirmation key are displayed (ST59). Following this guidance, the customer presses the confirmation key or cancellation key (ST60). When the main control unit 11 determines that the cancellation key has been input (ST61), it performs a cancellation process and determines that the confirmation key has been input (5T62).
Please put banknotes and coins into their respective slots. If you agree, please press the confirmation key." is displayed, along with a confirmation key and a cancellation key (ST6).
3). Following this guidance, the customer inserts banknotes into the banknote insertion slot 3 and inserts coins into the coin insertion slot 8 (ST6
4).

Then, the bill is accepted into the deposit/withdrawal unit 14, and
After being counted, the coins are accepted into the coin depositing and dispensing unit 15 and are inspected and counted (ST65). When the 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 (ST66). In response to this guidance, the customer inserts the confirmation key and cancellation key <5T67).

Then, when the main control unit 11 determines that the cancellation key has been input (
ST68), performs cancellation processing.

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" (ST69).

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) <5T70). 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 n. Then, when the main control unit 11 determines that there is change, the main control unit 11 causes the CR7 display unit 5 to display "Please receive banknotes and coins from their respective receiving slots" and displays the amount of change (ST72 ). At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to discharge change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9 (ST73).

As a result of this release, the customer receives the 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 IIJ m unit 11 displays "Card Card" on the CR7 display unit 5. Please receive the card.'' At this time, the main control unit 11 releases the card from the card insertion slot 6 (ST76).The customer then receives the card (ST77) and completes the transfer process.

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 allows a user to recover from errors in selection of transfer destination information, that is, the type of financial institution.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention; FIG. 1 is a perspective view of the overall appearance, FIGS. 2 and 5 are diagrams showing display examples of a CRT display section, and FIG. 3 is a main part of an electric circuit. FIG. 4 is a flowchart 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

Claims (1)

[Claims] In an automatic transaction device that performs transfer transactions, etc., there is provided a storage means for storing screen data consisting of a plurality of financial institution names for each type of financial institution, and a screen stored in the storage means when a financial institution to which a transfer is to be made is selected. a display means for displaying data by type of financial institution and other items indicating other financial institutions; a selection means for selecting and specifying one of the items displayed by the display means; display means for reading selected screen data from the storage means and displaying it; and means for determining that when an other item key is selected by the selection means, it is one type of the display item and performing a corresponding display. An automatic transaction device characterized by: