JPS62190560A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To execute a transfer transaction even if transfer transaction information is not registered, by providing an input means which inputs transfer transaction information in accordance with the indication of an unregistration indicating means which indicates unregistration of transfer transaction information when transfer transaction information is selected. CONSTITUTION:When a customer transfers cash or money drawn out from his deposit account to a branch of a banking organ, a main control part 11 requests him to depress a branch key and an end key if this branch is not registered on a floppy disc 19. The main control part 11 requests the account number of the transfer destination and the deposit item, and the customer inputs the account number and the deposit item. If judging that the transfer destination is not a head office neither branches, the main control part 11 requests depression of the name of a receiver on a CRT and displays key indicating Katakana (square form of Japanese syllabary), alphanumeric designation, and the business form of the receiver. When the customer inputs the name of the transfer destination in accordance with this guide and depress a completion key, a host computer starts the processing. A text including the receiver's branch number, the account number, the name, the address, the telephone number, transfer destination information, the branch name, the account number, the deposit item, etc., is sent from the host.

Description

[Detailed Description of the Invention] [Object of the Invention] (Field of Industrial Application) This invention relates to an automated teller machine, etc. that can transfer cash to or from an account of another financial institution, for example. Regarding automated transaction equipment.

(Prior art) In recent years, automatic cash payments have been developed that automatically pay cash requested by users by accepting a magnetic stripe card on which information on the 10 cards sent by the user is recorded and communicating with a host computer (center). A cash dispenser 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, or a magnetic passbook with account information recorded on it. Automatic transaction devices such as automatic teller machines that automatically accept cash using magnetic passbooks with stripes, and automatic teller machines that combine both of these functions into one machine, It has rapidly developed as an automated device for bank tellers, and has been introduced by banks to provide quick services to their users.

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

However, in the case of transfer transactions such as those mentioned above,
The transfer destination bank name and branch name of selectable transfer information are registered in advance in the storage medium inside the device. For this reason, for example, if a new branch of a bank is opened, unless the registration information on the recording medium is updated, it will not be possible to make a transfer transaction to the new unregistered branch, and customers will not be able to transfer money to the new branch. This had the disadvantage that the process had to be handled by a circulating staff member, resulting in poor processing efficiency and a reduction in the labor-saving effect of bank counter operations.

(Problem to be Solved by the Invention) As mentioned above, when a new branch of a certain bank is established, unless the registration information on the recording medium is updated, it is not possible to make a transfer transaction to an unregistered new branch. It is an object of the present invention to provide an automatic transaction device that can improve the processing efficiency of transfer transactions and improve the labor-saving effect of bank counter operations.

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of the present invention includes an unregistered instruction means for instructing non-registration of the transfer transaction information when selecting the transfer transaction information, and an unregistered instruction means for the unregistered instruction means. and input means for inputting transfer transaction information in accordance with instructions.

(Function) In the present invention, when the transfer transaction information of the sender is not registered in the transfer transaction, the transfer transaction is executed by inputting the transfer transaction information.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 2 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 CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CRT display section 5 displays operation procedures and other information on the CRT screen in the form of illustrations, characters, or words, and not only identifies the user but also displays information such as passwords, amounts, account numbers, etc.
By pressing the display area corresponding to approval, confirmation, or cancellation of a transaction, a touch sensor (not shown) detects this, and a so-called key operation is performed that outputs a corresponding signal to the main control unit 11, which will be described later. It is something. For example, as shown in Figure 3, 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 support for the type of business where the transfer is to be made. The keys are now displayed. The contents and display change each time the machine operation or step status changes.

Further, 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 an 11B identification number and account information is recorded is inserted, a passbook insertion lower part into which a passbook is inserted,
A coin slot 8 for inserting coins and a coin change receiving slot 9 for receiving change for coins are provided.

By the way, as shown in FIG. 4, inside the housing 1, there is a main control unit 11 that controls the entire system, accepts a card inserted from the card insertion slot 6, and inputs 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); A deposit/withdrawal unit 14 that accepts banknotes inserted into the banknote insertion slot 3 and dispenses banknotes of a specified amount into the banknote insertion slot 3; A coin deposit/withdrawal unit 15 that does not dispense coins to the coin receiving slot 9, a customer service unit 16 constituted by the CR7 display section 5, and a voice guidance unit 1 that provides voice guidance to customers through a speaker (not shown).
7. Internal monitor 18 for staff, financial institution information necessary for transfer transactions, such as bank name and branch name written in alphabetical order &7:
Floppy disk as a data file19
, the main control unit 11 and a host computer (not shown)
a transmission control unit 20 that controls data transmission between
and a power supply unit 21 are provided. Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

Next, in such a configuration, FIGS. 1(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 CR7 display unit 5 will display the message "Welcome, please specify your payment method" and the message "Withdrawal,
Selection keys for "deposit, balance inquiry, passbook entry, transfer, transfer" are displayed. In response to this guidance, the customer presses the button labeled "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" (ST1). Next, the customer presses down on the area that says "Card withdrawal" according to the instructions (
ST2).

As a result, the main IL control unit 11 determines that the transfer will be made by debiting the card (5T3), and causes the CR7 display unit 5 to display the message "Please insert your card" (ST4). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST5). Then, the card is taken into the magnetic card reading section 12, and account information such as a password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (ST
6). The above account information is checked by the main control section 11 (ST7), and if it is determined that the card is incorrect, the main control section 11 performs error processing. Also, Lord ill M'
[If the first part 11 determines that the card is correct, it displays "Please press your password" on the CR7 display section 5, as well as a numeric keypad and a correction key (ST8). Next, the customer inputs his/her PIN number by pressing down on the area where the numeric keypad is displayed according to the instructions (ST9). By entering this 1939 number,
The main control unit 11 judges whether the passwords match or not.5T
10) If they do not match, perform password re-input processing.

In addition, when the main control unit 11 determines that the PIN numbers match or that the cash key is pressed in step 3,
On the CR7 display section 5, display ``Please press the transfer amount'' along with a numeric keypad and an amount key (STII
).

Next, the customer follows the instructions and transfers the amount by 1'1.
People (ST12). With this input, the main control section 11
causes the CR7 display unit 5 to display ``Press the registration key or designation key depending on whether the destination is registered or not'' (ST13).

At this time, the main control unit 11 inputs the transfer destination as in the following procedure, and also determines whether the transfer is from Cardroza (5T14), and if it determines that the transfer is from Cardroza, it reads from the card. A host computer (not shown) sends a payment message based on the input account information and the input transfer amount, etc.
(ST15). If a payment permission message is returned from the host computer in response to the transmitted payment message (ST16), the main control unit 11 retains the payment permission message as is. This ensures that while the customer is entering the transfer details, i.e. in step 13.1.
9 to step 41, payment processing is performed from the customer's account. In addition, if a non-payment message is returned from the host computer in response to the sent payment message (S
T16.17), even in the middle of inputting the transfer destination, the main control unit 11 displays on the CR7 display unit 5, "The transfer transaction cannot be performed because the balance is insufficient" and interrupts the transfer transaction (
ST18).

Next, the customer inserts the specified key according to the instructions in step 13 (ST19). When the main control unit 11 determines that the specified key has been input (ST20), the main control unit 11
causes the CR7 display unit 5 to display the message ``Press the name of the destination financial institution'' and a selection key for the financial institution name (type). (ST21). Following this guidance, the customer presses the name of the financial institution (ST22>).

By pressing this down, the main control unit 11 determines that it is not an individual engine name (5T23), and furthermore, if it determines that - gloss is not possible (
ST24>, the main control unit 11 causes the CR7 display unit 5 to display [Please enter the initial letter of the destination bank name], and
The katakana key and correction key are displayed (ST25).

If one of the katakana keys is pressed in response to this guidance (ST26>, or if it is determined that the list is allowed in step 24 above, the main & lJ control section 11 will display the name of the bank corresponding to the katakana or list). The bank names are searched and read from the floppy disk 19 and displayed on the CR7 display section 5 (ST27).Following this guidance, the customer presses down the name of the destination bank (ST28).

When it is determined that the button is pressed or that an individual bank name is input in step 23, the system tit+ section 11 determines that the list of branch names is not possible (ST29). As a result, if -K is not possible, the main control section 11 causes the CR7 display section 5 to display [Please enter the initial letter of the destination branch name], as well as a katakana key and a correction key (ST30). When one of the katakana keys is pressed in response to this guidance (ST31), the main control unit 11 searches and reads out the branch name corresponding to that katakana from the floppy disk 19 (ST91). At this time, if the main control unit 11 determines that the branch name corresponding to the initial letter is unregistered (ST92), it proceeds to step 98, which will be described later.

In addition, if the main control unit 11 determines in step 92 that the branch name has been registered, or if it determines that a list of branch names is possible in step 29, the main control unit 11 displays the message [Please press the destination branch name, branch]. If there is no name, please press the branch nameless key" is displayed, as well as a branch name selection key and a branch nameless key (ST93).

Following this guidance, the customer presses the destination branch name, or if there is no corresponding branch name, presses the no branch name key (ST95). And the monarchy tII part 1
1 determines that the branch name is not entered (ST96), the main control unit 11 determines that the branch name is not registered on the floppy disk 19 (ST97). In response to this determination, or if it is determined in step 92 that the branch name is not registered, the main control unit 11 causes the CR7 display unit 5 to display the message ``Press the destination branch name, and then press the end key''. , katakana key, end key, and branch key are displayed (ST98). Then, input the name of the destination branch by pressing down on the katakana key in accordance with this guidance (ST99), confirming this pressing and the characters displayed sequentially on the CR7 display section 5, press the branch key, and enter the name of the destination branch (ST99). The key parts are pressed down in sequence (ST100).

When it is determined that the branch name has been input in this push or in step 96, the main control unit 11 displays “
``Please enter the destination account number and deposit type'' and display the numeric keypad, correction key, normal key, and current account key (ST34). Following this guidance, the customer enters the account number and deposit type (ST35). If the main control unit 11 determines that the bank is not the main branch (ST36), the CR7 display unit 5 will display the message "Press beneficiary name. Please display "Please", as well as a katakana key, an alphanumeric designation key, a key to indicate the recipient's business type,
A correction key and a completion key are displayed (ST37). Then, when the payer's name is entered in accordance with this guidance and the completion key is pressed (ST41), if it is determined that it is the main branch in step 36, or if it is determined that the registration key is input in step 20, the main control unit 11 causes the CR7 display unit 5 to display "Currently processing the computer. Please wait for a while" (ST42).

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 needle), (consisting of account number, deposit type, etc.).

The main control unit 11 also sends and receives inquiry messages and prints the results on journal paper (ST43). The financial institution name, bank name, and branch name as the payer information in the above inquiry message are sent and received in katakana code.

Next, when the main control unit 11 determines registration (ST44
), "Please confirm recipient" on CR7 display 5
, the beneficiary information and the first registered transfer destination information (bank name, bank branch name) are displayed in kanji, and the [2 key, cancellation key, and designation key for the next registration are displayed] (ST45). Following this guidance, the customer presses the next registration designation key, confirmation key, or cancellation key (ST46). And main control section I 11
When the next IQ designated key is determined to be input (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
T47), performs cancellation processing. Also, in step 44, the main T
If the oll 611 unit 11 determines that the registration is not registered, the main control unit 11 causes the CR7 display unit 5 to display ``Please confirm recipient'' as well as a confirmation key and a cancellation key (ST48). Following this guidance, the customer presses the 6 [key or the Cancel key (ST49).
). Then, when the main control unit 11 determines that the cancellation key has been pressed (ST50), the cancellation process is performed.

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 “Please press the payer's name” on the CR7 display unit 5. '', as well as a katakana key, an alphanumeric designation key, a key for specifying the type of business location of the transfer destination, a correction key, and a completion key.<5T5
2).

Then, when the payer's name 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 displays the numeric keypad and completion key. (ST57).

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

The completion key is then entered or step 5
If the main control unit 11 determines in step 6 that Cardroza is to be used, the main control unit 11 displays on the CR7 display unit 5 the message “If you agree with the details of the transfer, please press confirm” and displays the details of the transfer and cancellation. key and confirmation key are displayed (ST59).

Please follow this guide! [Press the key or the cancel key (ST60). When the main control unit 11 determines that the cancellation key has been input (S761), it performs a cancellation process and determines that the TM authorized primary key has been input. in"
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 the G-bill into the bill insertion slot 3 and inserts coins into the coin insertion slot 8 (ST6
4). Then, the banknotes are accepted into the deposit/withdrawal unit 14 and inspected and counted, and the coins are accepted into the coin deposit/withdrawal unit 15 and 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 IUG key'-1 cancellation key (ST67). Then, when the main control unit 11 determines that the cancellation key has been pressed (ST68), the cancellation process is performed.

In addition, if the main control unit 11 determines to input ifftft-, or if it determines to use Cardroza in step 62, the royal system AL1 department 11 displays “The computer is currently processing, please wait for a while” on the CR7 display unit 5. is displayed (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) (ST70). Depending on the end of this printing, the main t, lN
11 The department 11 determines whether there is change by comparing the transferred amount with the withdrawn amount or the inserted amount (ST71). Then, when the main υjlt1 section 11 determines that there is change, the main control section 11 causes the CR7 display section 5 to display "Please receive bills and coins from their respective receiving slots" and displays the amount of change (S
T72). At this time, the main control unit 11 controls the deposit/withdrawal unit 1
4 to discharge change banknotes into the bill insertion slot 3, and operate 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 change (ST74).

When the receipt of change is completed and the main control unit 11 determines that there is no change in step 71, the main control unit 11
``Please receive card'' is displayed on the R7 display section 5. The sharpening main control section 11 causes the card to be ejected from the card insertion slot 6 (ST76). Next, the customer receives the card (ST77) and completes the transfer process.

As mentioned above, when performing a transfer transaction, that is, when selecting the name of the branch to which the transfer will be made, even if the branch name of the transfer destination is not registered on the floppy disk 19, the transaction can be made by entering the branch name in katakana. It is designed so that it can be done. This eliminates the problem of a customer having to go to a bank counter to cancel a transaction, which is then handled by a bank employee. Therefore, the processing efficiency in transfer transactions and the labor-saving effects of counter operations can be improved.

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 detailed above, according to the present invention, it is possible to provide an automatic transaction device that can improve the processing efficiency of transfer transactions and improve the labor-saving effect of bank counter operations.

[Brief explanation of drawings]

The drawings show an embodiment of the present invention, in which Fig. 1 is a flowchart for explaining the transfer operation, Fig. 2 is a perspective view of the overall appearance, and Fig. 3 shows an example of display on a CRT display section. ,
FIG. 4 is a diagram showing the configuration of the main parts of the electric circuit. 3... Bill insertion slot, 5... CRT display section (input means), 6... Card insertion slot, 8... Coin insertion slot, 9
... Coin change receipt slot, 11... Main control unit, 12...
・Magnetic card read section, 14...Deposit/withdrawal unit, 1
5... Coin deposit/withdrawal unit, 16... Customer service unit, 19... Floppy disk (storage means). Applicant's agent Patent attorney Takeshi Suzue Foolish plan Figure 1 (C) Figure 2 Figure 3

Claims (3)

[Claims] (1) A storage means that stores various transfer transaction information;
a display means for displaying the transfer transaction information registered in the storage means; a selection means for selecting one of the transfer transaction information according to the display of the display means; an automatic transaction device having a means for performing a transfer process, an unregistered instruction means for instructing that the transfer transaction information is not registered in the storage means when the transfer transaction information is selected by the selection means; An automatic transaction device comprising an input means for inputting transfer transaction information according to instructions. (2) The automatic transaction device according to claim 1, wherein the transfer transaction information is a branch name, a branch office name, or a special branch office name of a financial institution. (3) The automatic transaction device according to claim 1, wherein the input means is composed of katakana keys.