JP2008242545A - Automatic transaction equipment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus having a transaction process with good visibility and operability by sequentially expanding and contracting each transaction process area and input button area arranged according to an input procedure.
SOLUTION: An operation process display area 510 having a plurality of operation process display units 511 arranged vertically according to an operation procedure on the display device 15, and a plurality of operations arranged corresponding to the operation process display units 511. One operation screen 500 in which an operation process input area 540 provided with a process input unit 541 is arranged on the left and right is displayed, and a plurality of the operation process display units 511 and the operation process input units 541 always have one operation. The operation process input unit 541A corresponding to the process display unit 511A is in an input state, and is expanded and displayed in the vertical direction from the other operation process display unit 511B and the operation process input unit 541B. An operation guidance 512 is displayed on the operation process display unit 511A, and an input key 542 is displayed on the expanded operation process input unit 541A.
[Selection] Figure 1

Description

  The present invention relates to an automatic transaction apparatus that displays various transaction screens having operation buttons on a touch panel display device and performs automatic transactions, and particularly relates to an automatic transaction apparatus that performs automatic transactions with a large number of processes. .

  2. Description of the Related Art Conventionally, in banks and securities companies, automatic transaction apparatuses that display various transaction screens on a touch panel display device and allow users to perform various transactions have become widespread. A typical automatic transaction apparatus is an automatic teller machine (hereinafter referred to as ATM). According to this ATM, the user himself / herself operates a transaction screen, so that it is possible to conduct transactions such as withdrawal and deposit of cash, and further transfer.

  However, cash withdrawals and deposits with few transaction processes operated by users are widely used, but it has been pointed out that transfer transactions with long transaction processes are difficult to understand. Therefore, many improvement measures have been proposed to solve these problems.

  For example, a transaction process area and an input display area are divided and displayed on one display screen, selectable transaction process buttons are sequentially displayed in the transaction process area, and the input process area corresponds to the selection of the transaction process button. Then, there are those that display an input button group in the transaction process and advance the transaction process while displaying the input contents of the input button group in the transaction process button.

JP-A-7-262291

  According to the conventional example, the user can grasp the entire process of the transaction in the transaction process area, and the input button group which is sequentially displayed in the input display area in accordance with the selection of the transaction process area. Can proceed through. However, in these conventional examples, a plurality of transaction process buttons arranged in the transaction process area must be displayed in a small size, and the entire area of the input display area is displayed in accordance with the selection of the transaction process button. There is a problem that the balance between the input button group is poor and the relationship between the transaction process button and the input button group is difficult to understand. In these conventional examples, the relationship between the transaction process button and the input button group is given by highlighting the selected transaction process button, but the button size is poorly balanced. The intelligibility has not improved.

  Accordingly, an object of the present invention is to provide a transaction process with good visibility and operability by sequentially expanding and contracting each transaction process area and the input button area arranged according to the input procedure. It is to provide an automatic transaction apparatus.

  In order to achieve the above object, the automatic transaction apparatus according to the present invention provides a display device with an operation process display area having a plurality of operation process display units arranged vertically according to an operation procedure, and the operation process display unit. A single operation screen in which left and right operation process input areas having a plurality of operation process input units arranged correspondingly are displayed, and a plurality of the operation process display units and the operation process input units are always The operation process input unit corresponding to one of the operation process display units is in an input state, and is expanded and displayed in the vertical direction from the other operation process display unit and the operation process input unit. An operation guidance is displayed on the operation process display unit, and an input key is displayed on the expanded operation process input unit.

  According to the present invention, a plurality of operation process display units and a plurality of operation process input units corresponding to the operation process display units are displayed in a table format, and expanded in the input state, operation guidance and input keys are displayed, Since it is displayed in a reduced size in other states, visibility and operability are good even in a long transaction process.

  Embodiments according to the present invention will be described below with reference to FIGS. This embodiment relates to an automatic transaction apparatus such as an ATM (Automatic Teller Machine) employed in a financial institution system such as a bank system. FIG. 1 is a schematic structural diagram of an ATM, FIG. 2 is a network configuration diagram of a bank system, FIG. 3 is an operation flow diagram of a transfer process, and FIGS. 4 to 9 are transaction screen diagrams.

  First, the schematic structure of the ATM according to the present embodiment will be described with reference to the schematic explanatory diagram of the ATM 1 shown in FIG.

  In FIG. 1, what is generally indicated by reference numeral 1 is an automatic transaction apparatus installed in a lobby of a financial institution or the like. In the present embodiment, the automatic transaction apparatus 1 will be described using an example of ATM. The automatic transaction apparatus 1 is disposed so as to close an L-shaped opening and a main body housing 10 having an opening cut out in an L shape when a part of the front side of the rectangular parallelepiped is viewed from the side. The front panel 11 is formed in an L shape.

  The main body housing 10 includes a base housing 12 having an open front surface, a plate-shaped front door 13 provided below the front surface of the base housing 12, and a plate-shaped rear surface disposed on the back surface of the base housing 12. And a door 14. The base case 12 is a mechanism unit that performs various transaction processes, for example, a display unit 220 with a touch panel, a card unit 221, a passbook details printing unit 222, a transmission control unit 223, a storage device unit 224, and a coin entry / exit shown in FIG. The money part 225, the banknote depositing / withdrawing part 226, the power supply part 227, the sensor part 228, the control part 229, etc. are incorporated. The display unit 220 with a touch panel has functions as an information input device and an output device, and the card unit 221 has a function as a reading device and an output device for the ID card 212 (see FIG. 2). The operation display unit 15 of the display unit with touch panel 220, the medium ports 18, 19, 23, 24 of each unit and the biometric information reading unit 22 of the biometric authentication unit are arranged so as to be exposed from the front panel 11.

  The L-shaped front panel 11 includes a panel portion 16 that forms a vertical surface on the front surface of the main body, and a table portion 17 that forms a horizontal plane. In the present embodiment, a medium handling unit 20 including a card / detail slip handling port 18 and a passbook handling port 19 which are medium ports is arranged at the center of the panel unit 16 constituting the vertical surface, and the table unit 17 constituting a horizontal plane. An operation display unit 15 is arranged in the center of the display, a handset 21 and a biometric information reading unit 22 of the biometric authentication unit are arranged on both sides thereof, and a bill insertion / discharge port 23 and a coin insertion / A discharge port 24 is juxtaposed.

  One of the major features of the present embodiment is that an operation process display area 510 having a plurality of operation process display parts 511 arranged vertically according to an operation procedure in the operation display part 15 in a transfer process with many operation processes. Then, one operation screen 500 is displayed in which an operation process input area 540 including a plurality of operation process input units 541 arranged corresponding to the operation process display unit 511 is arranged on the left and right. A plurality of the operation process display units 511 and the operation process input units 541 are always in the input state of the operation process input unit 541A corresponding to one operation process display unit 511A, and are in another input state. The operation process display unit 511 </ b> B and the operation process input unit 541 </ b> B are not expanded and displayed in the vertical direction.

  That is, on the left side of the transfer process operation screen 500 according to this embodiment, a plurality of operation process display units 511 such as “transfer financial institution”, “branch name”, “account number”, etc., follow the operation procedure. An operation process display area 510 arranged vertically is displayed. Further, on the right side of the operation screen 500, an operation process input area 540 in which a plurality of operation process input units 541 arranged corresponding to each of the plurality of operation process display units 511 is displayed. For this reason, since the plurality of operation process display units 511 and the operation process input unit 541 are displayed in a table format according to the operation procedure, it is easy to grasp the entire operation procedure by the arrangement of the operation process display unit 511, and this operation Since the operation process input unit 541 is arranged corresponding to the process display unit 511, the relationship between the operation process display unit 511 and the operation process input unit 541 becomes clear.

  The plurality of operation process display units 511 and operation process input units 541 are always expanded and displayed in the vertical direction with the operation process input unit 541A corresponding to one operation process display unit 511A being in an input state. In addition, since the operation process display unit 511B and the operation process input unit 541B that are not in other input states are displayed small, it is possible to grasp the operation process display unit and the operation process input unit that are currently working, and the visual recognition in the input work And operability are improved.

  Another major feature of the present embodiment is that an input key 542 is displayed on the operation process input unit 541A with an expanded input state, and an operation process display unit 511A with an expanded input state is displayed. Displays an operation guidance 512. Thus, the input keys 542 and the operation guidance 512 necessary for the input work can be displayed in the expanded area without breaking the relevance between the operation process display unit 511 and the operation process input unit 541.

  Another major feature of the present embodiment is that the operation process display unit 511 displays an operation process name 513 when not in the input state, and the operation process input unit 541 has completed the input. Then, the input content 543 is displayed. Thereby, the presence or absence of the input in each operation process and the input content can be grasped at a glance.

  In the balloon of FIG. 1, the operation screen 500A that is the initial screen of the transfer process and the operation of “branch name” that is the next operation process after the input of “financial institution” that is the first operation process are completed. A process operation screen 500B is illustrated. When the input of the operation process of “financial institution” is completed, the operation process display unit 511A of the “financial institution” in the input state expanded on the operation screen 500A and the operation process input unit 541A in the input state are indicated by the arrow P1. On the contrary, an operation process display section 511A and an operation process input section 541A for the “branch name”, which is the next process, are expanded and displayed in the direction of the arrow P2, and can be input. The screen is switched to the screen 500B. These operations are controlled by the control unit 229.

  Hereinafter, the financial institution system according to this embodiment will be described in more detail with reference to FIGS.

  First, with reference to FIG. 2, the bank system in which this ATM1 is installed and the device configuration of the ATM1 will be described. FIG. 2 is a network configuration diagram of the bank system. In this bank system, a plurality of sales stores 200 and specialized centers 350 are connected by a network 300 to a center 100 that controls the bank system. A plurality of devices are connected to the sales store 200 via a store network 211, and these devices are connected to the center 100 and the specialized center 350 via the network 300, for customers using this bank system. Can provide various financial services. In addition, the bank system can be connected to other financial systems and various service sites via the network 300.

  The center 100 is connected to the other business store 200 and the specialized center 350 via the HUB server 150, thereby managing and managing all the information in the bank. The HUB server 150 is also used as a gateway server, and is an integrated channel server 110 that controls a group of channel AP servers, a billing host 140, a new product server 130 having various new product information data, A customer information management server 116 that manages all customer information in an integrated manner is connected.

  The integrated channel server 110 is a support system that is connected to the sales store 200 via the network 300 and provides various information to the sales store 200. Under the control of the integrated channel server 110, an IB server 111 having IB content data, a store AP server 112 having store content data, a store management server 113 having store visitor information data, A product information server 114 including product content data, a staff management server 115 including employee information data, and a customer management server 120 including customer information data are provided.

  On the other hand, various devices are connected to the business store 200 via the store network 211. For example, in this system, an ATM (automated teller machine) 1, a reception terminal 208 for managing customer entrances and exits, a consultation terminal 207 for various customer consultations, and an information table terminal for providing customers with various information 206, a consultation table terminal 205 for a bank employee to consult with a customer and a business negotiation, a window PC terminal 204 for the bank staff to provide various services to the customer, a rear PC terminal 203 for supporting the window PC terminal 204, and various financial related items A financial device 202 comprising devices, a store server 201 for managing various information in the store, a store communication system 210 for performing wireless communication and position detection in the store, and the like are provided.

  Further, in this bank system, various information can be provided via a portable terminal 213 owned by the customer, an ID card 212 provided by the bank to the customer, or the like.

  Under the control of the control unit 229 that controls the ATM 1, the ATM 1 includes a display unit 220 with a touch panel, a card unit 221 that reads and writes various cards such as an ID card 212 and a cash card, and a passbook writing. The bankbook statement printing unit 222, the transmission control unit 223 for connecting to the store network 211, the storage unit 224 for storing various data, the coin deposit / withdrawal unit 225, the banknote deposit / withdrawal unit 226, and the power source A portion 227 and a sensor portion 228 are included.

  Moreover, in this embodiment, transaction screens, such as the said transfer screen 500 displayed on the display part 220 with a touchscreen of this ATM1, can be produced | generated and displayed within this ATM1. In this case, the control unit 229 collects necessary transaction data from the integrated channel server 110 based on the operation instruction of the display unit 220 with a touch panel, and calls predetermined transaction screen data from the storage device 224 along the transaction flow. The transaction screen is generated, and the transaction is advanced while the generated transaction screen is displayed on the display unit 220 with the touch panel.

  On the other hand, as another embodiment, a transaction screen generated by the integrated channel server 110 may be called and displayed on the display unit 220 with a touch panel to proceed with the transaction. In this case, the control unit 229 mainly performs control as a terminal for connecting to the integrated channel server 110 via the network 300. In this way, by operating ATM1 as a terminal for accessing the integrated channel server 110, it is not necessary to have various data in the ATM1, which is a terminal device, so that information centralization can be realized.

  In the following description, an example in which the transfer screen 500 is generated by the ATM 1 will be described, but the transfer screen 500 may be generated by the integrated channel server 110.

  Next, with reference to FIG. 3 to FIG. 9, the operation flow of the operation screen 500 of the characteristic transfer process of this embodiment will be mainly described.

  First, in this embodiment, when it is detected that the user has approached ATM 1 through the sensor unit 228, the control unit 229 reads the menu screen 400 shown in FIG. Displayed on the unit 15. The menu screen 400 is divided into two parts in the vertical direction, and includes a guidance display area 401 in the upper part and a selection button display area 402 in which a plurality of transaction buttons 403 and 404 are displayed in the lower part. In the selection button display area 402, a transaction button 403 with a high usage frequency is displayed larger than a transaction button 404 with a low usage frequency. In the guidance display area 401, guidance for prompting an operation of “Please come. Lightly touch the transaction button” is displayed.

  When one transaction button is selected from the plurality of transaction buttons 403 or the plurality of transaction buttons 404, the control unit 229 displays an authentication screen 410 shown in FIG. 5 before moving to a transaction screen corresponding to the transaction button. indicate. Here, the following description will be made on the assumption that the “Transfer” transaction button 403a is selected on the menu screen 400.

  In FIG. 5, the authentication screen 410 displays an external view 411 of the ATM 1 representing the operation display unit 15 and the medium ports 18, 19, 23, 24 of each unit, and a card and a passbook are inserted into the medium ports 18, 19. An animation 412 and operation guidance 413 are displayed. When the user inserts a card into the medium port 18 or a passbook into the medium port 19, the control unit 229 reads the authentication information from the inserted card or passbook and prompts the input of the code number in FIG. Is displayed.

  This password number screen 420 is provided with a guidance display area 421 for displaying an operation guidance “Please enter a password (4 digits)” at the top, and a numeric keypad 422, a confirmation display 423, at the bottom. An input area 425 including a confirmation key 424 is provided. When the user inputs a numerical value with the numeric keypad 422, the content is displayed on the confirmation display unit 423. Then, by selecting the confirmation key 424, the control unit 229 collates the entered personal identification number with the authentication information read from the card or passbook, and if they match, the transfer process operation screen shown in FIG. 500 is displayed.

  Hereinafter, the operation flow of the operation screen 500 of the transfer process will be described with reference to FIGS. 7 to 9 based on the operation flow diagram of FIG.

  First, in FIG. 3 and FIG. 7, the control unit 229 displays the first operation screen 500 </ b> A of the transfer process shown in FIG. 7 when the collation between the password number and the authentication information matches (step 600). In the first operation screen 500A shown in FIG. 7, the operation process display unit 511A and the operation process input unit 541A of the “financial institution” in the input state are arranged at the top and are not in the input state arranged at the bottom. The plurality of operation process display units 511 </ b> B and the operation process input unit 541 </ b> B are displayed as regions having a wider vertical length.

  In the operation process display section 511A of the “financial institution”, as the operation guidance 512, this operation process is an input process of “financial institution”. Is displayed. On the other hand, the operation process input unit 541A of the “financial institution” is provided with the input key 542 including a plurality of character input keys, a confirmation display unit 544 for displaying the input contents of the input key 542, a confirmation button 545, and the like. It has been.

  Further, the operation process display unit 511B that is not in the input state displays each operation process name 513 such as “branch name” and “account number”. The operation process name 513 is provided with a rectangular check box. When the input is completed on the confirmation display unit 544, the check box is marked. As a result, the user can know whether or not the input has been completed. On the other hand, the operation process input unit 541B that is not in the input state has not been completed yet, so the check box is blank.

  In this embodiment, each of the operation process display units 511 has a function of a selection button. Therefore, when any one of the operation process display units 511 is selected, the control unit 229 expands and displays the selected operation process display unit 511 and the corresponding operation process input unit 541. Hereinafter, this operation flow will be described, but the present invention is not limited to this operation flow. For example, an operation flow in which the control unit 229 performs automatic selection based on the order of the operation process display unit 511 (operation procedure) when the input from the upper side to the lower side is completed and the next operation process display unit 511 is selected. .

  When the control unit 229 displays the operation screen 500A shown in FIG. 7, the control unit 229 receives an input from the operation process input unit 541A in the input state (step 602). For example, when the financial institution name is input from the input key 542, the control unit 229 displays the input content on the confirmation display unit 544. When the confirmation button 545 is selected, the control unit 229 determines that the input has been completed (step 604). Next, the control unit 229 monitors the selection of the operation process display unit 511B that is not in another input state (step 606).

  For example, when the user selects the operation process display unit 511B of “branch name”, the control unit 229 displays the operation process display unit 511A and the operation process input unit of the currently selected “financial institution”. The operation process display unit 511A and the operation process input unit 541A in the input state of the newly selected “branch name” are expanded and displayed as shown in FIG. 8 (step 610). ). Then, the process returns to step 602, and an input from the operation process input unit 541A in the input state is accepted.

  8 and 9 show operation screens 500B and 500C in which another operation process display unit 511 is selected. The operation screen 500B shown in FIG. 8 shows an example of the operation screen of the input process of “financial institution branch name”. On this operation screen 500B, the operation process input unit 541A corresponding to the operation process display unit 511A of “financial institution branch name” is displayed in an expanded state and displayed. On the other hand, the operation process display unit 511A of “financial institution” that has been expanded and displayed on the operation screen 500A in FIG. 7 and the operation process input unit 541A corresponding to the operation process display unit 511A are displayed in a reduced size, and the input state is released. (The state of the operation process display unit 511B and the operation process input unit 541B that are not in the input state). However, since the previous input content is displayed in the operation process input unit 541B and a check mark is displayed in the check box of the operation process display unit 511, it is confirmed that the user has input “financial institution”. I can know.

  FIG. 9 shows an operation screen 500C of the input process of “transfer amount” which is the final input process. Also on this operation screen, the operation process display unit 511A of the “transfer amount” in the input state and the operation process input unit 541A in the input state corresponding to the operation process display unit 511A are expanded and displayed. On the other hand, the operation process input unit 541B corresponding to the upper operation process display unit 511B not in the input state is displayed in a reduced size. However, the previous input contents are displayed in the operation process input unit 541B, and a check mark is displayed in the check box of the operation process display unit 511.

  In this embodiment, various input keys 542 corresponding to the input contents are displayed on the operation process input unit 541A in the input state. For example, in FIG. 7 and FIG. 8, the input key 542 mainly includes character input keys, but the input key 542 in FIG. Here, in the operation screen 500C for the input process of “transfer amount”, a fee field 546 is provided. The fee field 546 includes a control unit based on conditions such as a transfer amount, a transfer destination, and a transfer time zone. The fee calculated by 229 is displayed.

  Returning to FIG. 3, in step 606, the control unit 229 monitors whether or not the other operation process input unit 541 is selected and the cancel button 502 of the title bar 501 is selected. When the cancel button 502 is selected, the control unit 229 returns to the menu screen 400.

  In addition, the control unit 229 monitors whether or not the input is completed in all input processes (step 614). If the input is not completed, the control unit 229 returns to step 606, and if the input is completed. The input content is transmitted to the integrated channel server 110 (step 616).

  When the control unit 229 receives a notification of procedure completion from the integrated channel server 110, the control unit 229 displays a card or passbook return screen (not shown) on the operation display unit 15, and confirms this return operation. Is displayed and the procedure is terminated.

  As described above, according to this embodiment, a plurality of operation process display units and a plurality of operation process input units corresponding to the operation process display units are displayed in a table format, and are expanded and operated in the input state. Since guidance and input keys are displayed and displayed in a reduced state in other states, visibility and operability are improved even in a long transaction process.

  As described above, as another application example, the control unit 229 may automatically select the determination in step 606 according to the operation procedure in FIG.

  In step 614, a transmission button (not shown) is provided on the operation screen 500, and selection of this transmission button is accepted. Based on this selection operation, the process proceeds to step 614. Confirmation can be made.

  In this embodiment, the confirmation display unit 544 is provided in the operation process input unit 541. However, by providing the operation process display unit 511, the arrangement space of the input keys 542 is expanded and a large operation button is arranged. And space efficiency can be improved.

It is an outline explanatory view of an automatic transaction device concerning an embodiment of this invention. It is a network block diagram of a bank system. It is an operation | movement flowchart of a transfer process. It is an operation | movement flowchart of a transfer process. It is a transition figure of the transfer screen of an automatic transaction apparatus. It is a transition figure of the transfer screen of an automatic transaction apparatus. It is a transition figure of the transfer screen of an automatic transaction apparatus. It is a transition figure of the transfer screen of an automatic transaction apparatus. It is a transition figure of the transfer screen of an automatic transaction apparatus.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... ATM, 10 ... Main body housing | casing, 11 ... Front panel, 12 ... Base housing | casing, 13 ... Front door, 14 ... Back door, 15 ... Operation display part, 16 ... Panel part, 17 ... Table part, 18 ... Card / Invoice handling port, 19 ... Passbook handling port, 20 ... Medium handling unit, 21 ... Handset, 22 ... Biometric information reading unit, 23 ... Bill insertion / discharge port, 24 ... Coin insertion / discharge port, 100 ... Center, 110 ... integrated channel server, 111 ... IB server, 112 ... branch store AP server, 113 ... store visit management server, 114 ... merchandise information server, 115 ... clerk management server, 116 ... customer information management server, 120 ... customer management server, 130 ... New product server, 140 ... Account host, 150 ... HUB server, 200 ... Sales store, 201 ... Sales store server, 202 ... Financial device, 203 ... Back PC terminal, 04 ... Window PC terminal, 205 ... Consultation table terminal, 206 ... Information table terminal, 207 ... Consultation terminal, 208 ... Reception terminal, 210 ... Store communication system, 211 ... Store network, 212 ... ID card, 213 ... Mobile terminal, 220 Display unit with touch panel, 221 Card unit, 222 Passbook details printing unit, 223 Transmission control unit, 224 Storage unit, 225 Coin deposit / withdrawal unit, 226 Banknote deposit / withdrawal unit, 227 Power supply unit, 228 ... Sensor part, 229 ... Control part, 300 ... Network, 350 ... Specialty center, 400 ... Menu screen, 401 ... Guidance display area, 402 ... Display area, 403 ... Trade button, 404 ... Trade button, 410 ... Authentication screen, 420 ... PIN number screen, 421 ... Guidance display area, 422 ... Numeric keypad, 423 ... Confirmation display section, 42 ... confirmation key, 425 ... input area, 501 ... title bar, 502 ... cancel button, 510 ... operation process display area, 511 ... operation process display part, 511A ... operation process display part in input state, 511B ... the operation not in the input state Process display section, 512 ... operation guidance, 513 ... name of operation process, 540 ... operation process input area, 541 ... operation process input section, 541A ... operation process input section in input state, 541B ... operation process input section not in input state, 542: Input key, 500, 500A, 500B, 500C ... Operation screen, 543 ... Input content, 544 ... Confirmation display section, 545 ... Confirmation button.

Claims (2)

In an automatic transaction apparatus that is connected to a host computer via a communication line and displays an operation screen of various transactions on the display screen of the display device to perform the transaction,
The display device includes an operation process display area including a plurality of operation process display units arranged vertically according to an operation procedure, and a plurality of operation process input units arranged corresponding to the operation process display units. Display one operation screen with left and right operation process input area,
The plurality of operation process display units and the operation process input units are always in an input state of the operation process input unit corresponding to one operation process display unit, and the other operation process display units and the operation process input units. It is displayed by expanding vertically from the
Operation guidance is displayed on the expanded operation process display section,
An automatic transaction apparatus, wherein an input key is displayed on the expanded operation process input section. The automatic transaction apparatus according to claim 1,
The operation process display unit displays the name of the operation process in other states,
The operation process input unit displays a confirmation display unit that displays the input content of the input key in an expanded input state, and displays the input content in another state in which the input is completed. Trading device.

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