JPS63198191A - Automatic cash transactor - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to an automated teller machine, and in particular, an automated teller machine that allows a user to specify the amount to be withdrawn with a single operation by displaying the balance. It concerns a transaction device.

[Conventional technology]

Conventionally, in automated teller machines that handle cash using cards, necessary transactions (deposits, withdrawals, balance inquiries, etc.) are performed according to the display on the customer guidance display section, for example as described in Japanese Patent Laid-Open No. 58-169288. It was supposed to be done. For example, when processing a payout, the desired amount was keyed in to make the payout. but,
Since the customer does not know the allowable withdrawal balance, no consideration was given to the fact that the customer could receive or receive the desired amount in some operations.

[Problem that the invention seeks to solve]

In conventional automatic teller machines, the operating procedures necessary for transaction processing such as deposits and withdrawals are explained by display on a CRT display (hereinafter simply referred to as the display unit) and by audio. However, for example, even when processing a payout transaction, the display section shows how to insert a card or passbook.
The operating procedures using the keys or touch panel were explained, but the balance was not displayed on the display. Therefore, the customer knows what the balance is by either remembering the previous operation or by checking the balance through a separate balance inquiry.

In automated teller machines, the balance is recorded in a passbook or slip for each transaction and handed over to you.

However, when paying by card, it is not always necessary to carry a passbook with you. Even if you have a passbook, the most recent balance may not have been entered. Also, you may not always have the slip you received at the time of the previous transaction, therefore,
If you really want to check your balance, you have to perform a separate balance inquiry, and just knowing your balance requires time and effort.

The present invention was made in order to solve the problems of the prior art described above, and the balance is displayed on a part of the display only after the identity of the person is confirmed, so that only the person in question can know the balance. Payouts, transfers, and more with peace of mind in one operation.
The purpose is to provide an automated teller machine that performs transaction processing such as transfers.

[Means for solving problems]

In order to achieve the above object, an automatic teller machine according to the present invention has a structure in which an automatic teller machine that handles cash using a card is configured such that the automatic teller machine that handles cash by using a card is able to identify a principal by a means that is sufficient to indicate the identity of the principal, which has been agreed upon in advance. In order to display the balance on the display section only after confirming that there is a balance, a mechanism for determining the allowable payout balance and a balance display section are provided.

[Effect]

After confirming the person's identity by a prearranged means, the balance is displayed on the balance display section of the display section.

The identity of the person is verified by comparing a personal identification number, a seal, a fingerprint, a voiceprint pattern, a signature, a retinal pattern, etc.

Therefore, the balance is not easily displayed to anyone other than the operator of the automated teller machine. By checking the displayed balance, the customer (operator) can safely determine the withdrawal amount and perform key operations to determine the withdrawal amount.

〔Example〕

Embodiments of the present invention will be described below with reference to FIGS. 1 to 7.

First, FIG. 1 is a perspective view showing the operating section of an automated teller machine according to an embodiment of the present invention, FIG. 2 is a schematic sectional view showing its internal mechanism, and FIG. 3 is a dispensing process. The flowchart, FIG. 4, is an explanatory diagram showing the balance display screen.

The operating section of the automatic cash transaction bag fffl shown in Fig. 1 includes a card slot (22) for inserting and withdrawing cards, which is one of the means for verifying identity, a passbook slot (3) for depositing and withdrawing banknotes, and a banknote deposit/withdrawal compartment for depositing and withdrawing banknotes. 4. A coin deposit/withdrawal port 52 for depositing and withdrawing hard coins, a touch panel display 6 related to a display section for providing various guidance and display input instructions, a keyboard 7 used for transferring cash, etc. are installed.

Its internal mechanism is shown in Figure 2.

A separating device 8 for taking in deposited banknotes B is provided on one side of the banknote deposit/withdrawal port 4, and an extrusion fork 9 for pushing out paid banknotes into the banknote deposit/withdrawal port 4 is provided on the other side. .

A discrimination section 10 provided in the center determines the authenticity of bills to be taken in or dispensed. Unidentifiable banknotes are returned to the banknote deposit/withdrawal port 4 in the case of import.
In case of dispensing, it is collected in the pick box 11. At the top thereof, a front-back reversing unit 12 for reversing the face-down banknotes face up is arranged. The aforementioned extrusion fork 9
An impeller stacker section 13 is provided at a portion.

At the bottom of the device, there is a first slot for banknote recycling from the back to the front.
denomination box 14, and a second denomination box 14 for banknote recycling.
denomination box 15 and at the start of business.

A safe 16 that supplies and collects banknotes B at the end of the working day and collects banknotes that are not suitable for withdrawal, a temporary stacker section 17 that temporarily stores the received banknotes, and a forgotten banknote collection box 18 located below the safe are arranged. ing. The aforementioned first denomination box 14. Second denomination box 15. An impeller stacker section 192 separation mechanism 20 and a feeding mechanism 21 are arranged above each of the safe 16 and the temporary stacker section 17, respectively. These parts are connected by a conveyance means, and a gate part is provided at a branch part in the conveyance means. Further, above the cash handling section, a slip, a card mechanism 1 passbook printing mechanism, etc. are installed.

The operation of such an automated teller machine will be explained here using a payout process as an example.

A customer who wishes to operate the automatic teller machine first selects his or her desired transaction from among withdrawals, deposits, transfers, balance inquiries, bankbook entries, transfers, etc. displayed on the touch panel display 6. Since a payout is to be made here, a transaction selection can be made by touching the drawer display screen with a finger. Thereafter, the necessary inputs are made sequentially according to the flowchart shown in FIG. At this time, in addition to the screen on the touch panel display 6, voice guidance is also provided, making the operation easy to understand. In addition, the input information operated by the customer is sent to the control equipment in the automated teller machine or the host computer connected by the communication circuit, and is checked against the recorded information point by point, confirmed, or updated. The necessary information is sent to the control device or display section of the automated teller machine.

As shown in the flow diagram of FIG. 3, a card is first inserted. Next, enter your PIN number. That is, here, as a means of confirming the person's identity, a card that has been prepared with necessary items recorded in advance and a PIN number known only to the person are used.

After confirming the identity of the person, a mechanism for determining the allowable withdrawal balance operates to display the current balance, that is, the balance that can be withdrawn, on the balance display section 6a of the touch panel display 6 (see FIG. 3). .

As a result, only the person himself/herself can see the displayed balance and know the balance, and the balance will not be easily revealed to others. The customer can check the balance and move on to inputting the next payout amount with peace of mind.

The length of time for displaying the balance will be determined after verification of the PIN number.
The balance can be changed to a desired length by giving an arbitrary instruction using software, such as displaying the balance only until immediately before entering the next operation instruction. This makes it possible to display only the guidance for the next procedure on the screen of the touch panel display 6, thereby eliminating customer confusion. When displaying the balance for a longer period of time, please distinguish it from the main procedure guidance, etc.
Changing the color of the balance display area to make it clearly visible as a supplementary display makes the display area smaller.

Display the balance by enclosing it in a frame or by other means.

As shown in FIG. 4, the balance display section 6a is located at the lower left end of the screen of the touch panel display 6. This is to make it difficult for others waiting in line to see the displayed balance during operation, and also because operators often operate the touch panel with their right hand, so it is possible to read the balance even when operating with the right hand. 6 Generally speaking, balances are often in units of 1 yen due to deposit interest, etc., and are rarely evenly rounded to units of 1,000 yen. On the other hand, for payouts, the minimum unit is often 1,000 yen, so when displaying the balance, amounts less than 1,000 yen are rounded down and amounts of 1,000 yen or more are displayed. This makes it possible to reduce the amount of space required to display balances, making it easier for customers to understand and inconvenient.

There will be no disadvantage.

The flow of the operation is that after inputting the payout amount, the amount confirmation input is performed, the card is received, two banknotes and the statement slip are received, and the payout process ends.

According to this embodiment, since the customer's identity is confirmed and the balance is displayed on the balance display section of the touch panel display 6, the customer does not have to take the trouble of separately checking the balance before making a payment operation. It can be omitted. As an automatic teller machine, the amount of slips consumed due to balance inquiries is reduced, the amount of slip replenishment is reduced especially during holidays and nighttime operation, and the occurrence of trouble within the device due to balance inquiries is reduced.

In addition, if the customer (operator) requests that the balance be displayed, the balance will be displayed in the balance display area by operating the key that is designed to display the balance, and the balance will be displayed. For customers who do not require the balance to be displayed, the balance may not be displayed, as in conventional automatic teller machines, or the balance may not be displayed by key operations that do not require the balance to be displayed.

Next, another embodiment of the present invention will be described with reference to FIGS. 5 to 7.

Here, FIG. 5 shows an automatic cash dispensing bag according to another embodiment of the present invention! Figure 6 is a perspective view of (CD).

FIG. 7, which is a block diagram showing the overall configuration of the CD, is a flowchart showing the operation of the CD.

The fully automatic payment device (hereinafter simply referred to as CD) shown in FIG. A receiving slot 24 for receiving paid bills is opened at a position lower than 23. A pressure-sensitive pine door 5 is installed on the floor in front of the device main body 22, and the pressure-sensitive pine door 5 detects when the customer stands and is attached to the customer at a position near the receiving port 24. Initial operations and the like can be instructed and guided by voice from a speaker 65.

Further, the operation console of the main body 22 of the device is provided with an operation key part 27 for the customer to input a personal identification number, payment amount, etc., and visual instructions are provided to the user on how to operate this operation key part 27. An operation guidance display section 26 related to a display is provided.

Next, the overall structure of the CD will be described with reference to FIG.

In FIG. 6, reference numeral 28 denotes an operating mechanism consisting of the aforementioned operation guidance display section 26 and operating keys 27.

3o is a mechanism for determining the allowable payout amount in order to display the balance, that is, the allowable payout amount to the customer. for example,
As shown in FIG. 4, the customer looks at the allowable payout amount displayed on the balance display section 6a and keys in a desired amount within the allowable payout amount.

40 is a slip card mechanism consisting of a magnetic card section 41 and a transaction statement/journal printing section 42. The magnetic card section 41 allows the customer to insert the magnetic card 25 into the card population 23.
Detect it when you insert it into the .

Furthermore, the magnetic card section 41 is capable of reading a password from the magnetic key 25 and writing the number of discrepancies to the magnetic card 25. The transaction statement slip/
The journal printing unit 42 prints transaction details on a statement slip and a journal.

Reference numeral 50 denotes a bill payment mechanism for discharging paid bills to the receiving slot 24, which includes, for example, a million yen bill safe 51 for storing ten thousand yen bills and a thousand yen bill safe 52 for storing thousand yen bills.

Reference numeral 6o denotes a voice guidance mechanism, which creates a voice message to be outputted through the speaker 65.

The speaker 65 provides voice guidance mechanism 6 to the customer.
0 indicates at least an initial operation.

That is, the initial operation is to detect when a customer stands on the pressure-sensitive pine door 5 and insert the magnetic card 25 into the card entrance 23. Note that 76 is a detector that detects when a customer stands on the pressure-sensitive pine door 5;
is the power supply section of the CD.

Reference numeral 80 denotes a control unit that processes data of each of the mechanisms and controls storage, inspection, and each mechanism, and operates according to an internally stored program.

85 is an interface control unit that connects the control unit 80 and the central system 90. The central system 9o includes:
The control unit 8 inquires and updates customer information and sends the processing results to the control unit 8.
Send to 0.

Next, the procedure for CD payment transaction is shown in Figures 7, 8, and 9.
This will be explained using the flowchart shown in the figure. Note that D in FIG. 7 is connected to D in FIG. 8, and E in FIG. 8 is connected to E in FIG. 9.

Now, when the CD is in an operating state by turning on the power supply section 70, when a customer stands on the pressure-sensitive pine door 5, the detector 76 of the pressure-sensitive pine door 5 detects this (step 100).
Initial operation of the speaker 65 is performed by receiving input from the voice guidance mechanism 60.

In other words, "Welcome, please insert your card.

” is output (101). In that case, if the detector 76 does not detect it, the process is repeated until it does.

When the customer inserts the magnetic card 25 into the card entrance 23 (102), the magnetic card unit 41 of the slip card mechanism 40 reads the data on the magnetic card 25 (103).
), if the magnetic card 25 is not inserted, processing continues until the magnetic card detection section detects it.

The card data read from the magnetic card 25 is inspected by the control unit 80 (104), and if the inspection result is valid, the next process is performed. ” is output to the customer (105), and the magnetic card 25 is returned to the card entrance 23 by the magnetic card unit 41 (106).

If the card data is valid, a voice will be output from the speaker 65 saying "Please press your PIN" and at the same time the operating mechanism 2
8 (150), the customer presses the operation key part 27 of the operation mechanism 28 to input the password. At that time, it is monitored whether the PIN number is entered in a predetermined format (for example, a 4-digit number) within a certain period of time (151).If the PIN number is not entered, the next one is entered until it is entered. No processing is performed.

When the PIN is entered, the PIN and magnetic card 2
Check the PIN data read from 5 (15
2). If the verification results in a mismatch, as long as the number of mismatches does not exceed a certain value of 1 (153),
Outputs “Please try again” (154)
), the customer will have to enter it again. If the number of discrepancies exceeds a certain value of 1, the speaker 65 will inform you, for example, ``Your PIN is incorrect,'' and then the speaker 65 will output a voice saying, ``Your r card will be returned.'' ( 170) The magnetic card 25 is returned from the magnetic card section 41 to the card population 23 (171).

Further, if the verification results in a match, the speaker 65 outputs a voice saying "Please press the withdrawal amount," and at the same time, the permissible withdrawal amount determining mechanism 20 sends transaction information to the central system 90 via the interface control unit 85. This central system 90, based on the transaction information,
The customer's allowable payout amount information stored internally is sent via the interface control unit 85 to the allowable payout amount determination machine $20.
send to

The allowable payout amount determining mechanism 20 displays the allowable payout amount on the operation guidance display section 26 of the operating mechanism section 28 (155).
. This allows the customer to use the operating keys 27 of the operating mechanism 28.
The user inputs the withdrawal amount by operating 157), and checks whether the withdrawal amount is in a predetermined format (158). If the withdrawal amount is not in the prescribed format after this inspection,
It is calculated whether the number of inputs of the amount exceeds 2 to a certain value (1
59), as long as the fixed value does not exceed 2, a voice is output saying "Please press the withdrawal amount again" (160).

If the number of inputs for the amount exceeds a certain value of 2, the speaker 65 will say, for example, "There is insufficient balance, the payment cannot be made," and then the speaker 65 will say, "Your card will be returned." is output audibly (170),
The magnetic card 25 is inserted from the magnetic card section 41 to the card entrance 23.
is returned (171).

If the withdrawal amount is found to be in a predetermined format through the inspection, the speaker 65 outputs a voice saying, ``If the withdrawal amount is incorrect, press the confirmation button, otherwise press the cancel button'' (161).

When the customer presses the confirmation button (162), the transaction information is sent to the central system 90 via the interface control unit 85 (163). The customer information is inquired and updated, and the processing results are sent to the control section 80 via the interface control section 85.

When the processing result from the central system 90 permits payment (164), the control unit 80 causes the banknote payment mechanism 50 to take out the desired banknotes from each safe 51, 52, and the amount of the transaction banknotes is counted. (165) At that time, the details of the transaction are printed on the slip by the statement/journal printing unit 42 of the slip card mechanism 40 (166), but if payment is not approved, a comment from the central system 90, For example, a comment about insufficient balance is printed.

Then, the transaction slip is conveyed to the counted banknotes (168), and the payment authorization is confirmed again.
Please take your card" (172), and the magnetic card 25 is returned to the card entrance 23. This results in
The customer removes the magnetic card 25 from the card population 23 (
174) and r cash from speaker 65.

Thank you very much” was output (17
6) Cash and transaction slips are discharged to the receiving slot 24 by the banknote payment mechanism 50. This allows the customer to
The transaction is completed by receiving cash and transaction slip from 4.

Note that a comment, such as a comment regarding insufficient balance, is printed from the central system 90 (166), the transaction slip is conveyed to the conveyance path toward the receiving port 24, and when payment disapproval is confirmed again, a comment is printed from the speaker 65. , guidance from the central system 90, such as [Insufficient balance. You will be informed that the payment cannot be made (169).

Subsequently, the speaker 65 outputs a voice saying "Return the card" (172), and the magnetic card 25 is returned from the magnetic card section 41 to the card entrance 23 (173).

By being guided by the speaker 65 to receive the transaction statement slip, the transaction statement slip is ejected to the receiving port 24. This allows the customer to receive a statement slip.

According to this embodiment, the customer can receive and receive the desired amount in a single operation, which has the effect of shortening the customer's operation.

In the embodiments shown in FIGS. 5 to 7, the pressure-sensitive mat door 5 is used as the human body proximity sensor, but it goes without saying that means such as an optical sensor or a temperature sensor may also be used.

Furthermore, although each of the above-mentioned embodiments has described payment transactions, the present invention is not limited to only payment transactions, but can also be applied to, for example, deposit transactions, by displaying the balance after confirming the customer's identity, so that the customer can make the deposit. You can make deposits knowing your balance even at the time of deposit, and you can perform individual operations with peace of mind. In the case of balance inquiries, customers who reach their goals at the balance display stage have the advantage of being able to receive services in a shorter time.

〔Effect of the invention〕

As described above, according to the present invention, the balance can be displayed on a part of the display only after confirming the identity of the person, so only the person can know the balance, and can make payments with peace of mind with a single operation. Transfer.

It is possible to provide an automated teller machine that can perform transaction processing such as transfer.

[Brief explanation of the drawing]

FIG. 1 is a perspective view showing the operation unit of an automated teller machine according to an embodiment of the present invention, FIG. 2 is a schematic cross-sectional view showing its internal mechanism, and FIG. 3 is a flow diagram of a payout process. , FIG. 4 is an explanatory diagram showing a balance display screen, FIG. 5 is a perspective view of an automatic cash dispensing device (CD) according to another embodiment of the present invention, and FIG. 6 is an illustration of the overall configuration of the CD. The block diagrams shown in FIGS. 7, 8, and 9 are flowcharts showing the operation of the CD. 2.23...Card entrance, 4...Banknote deposit/withdrawal port, 5
. . . Hard cash deposit/withdrawal port, 6 . . . Touch panel display, 6a . . . Balance display unit, 30 .

Claims (1)

[Claims] 1. In an automated teller machine that handles cash using a card, the balance is displayed only after the person's identity is confirmed by a means that is sufficient to show the person's identity as previously agreed upon. 1. An automated teller machine comprising a mechanism for determining an allowable payout balance and a balance display section for displaying the payout balance. 2. The automated teller machine according to claim 1, wherein the balance display section operates only when the balance should be displayed. 3. In the item described in claim 1, the balance display section is displayed at the same time as the main display on the display section, but is displayed so that it can be clearly seen as an auxiliary display. Automatic cash transaction device. 4. The automated teller machine according to claim 1, wherein the balance display section is located at the lower left end of the display section. 5. The automated teller machine according to claim 1, wherein the balance display section rounds down the displayed balance to the nearest 1,000 yen and displays an amount of 1,000 yen or more. 6. The automated teller machine according to claim 1, wherein the balance display section is configured to operate only when the customer performs an operation to instruct balance display. 7. In the item described in claim 1, the balance display section can display the balance without the customer performing an operation to instruct balance display.
An automated teller machine that is activated at the beginning of a transaction.