JPH02245869A - Method for guiding customer's operation of paying transaction in automatic transaction device - Google Patents

Abstract

PURPOSE:To eliminate a need to perform the input operation of information from the first again by displaying information, which a customer inputs, on a screen in another step and correcting this information in case of erroneous input. CONSTITUTION:An input means is provided with a return indicating key 2 which inputs the indication to return the display picture on a display part 1 to the picture of the just preceding step. Information inputted in each step is displayed on the display picture of the next step, and the display picture on the display part 1 is returned to the picture of the just preceding step by the input operation of the return indicating key 2 to correct input information of this step. Thus, it is unnecessary for the customer to stop the transaction at the time of finding the erroneous input to start the input operation of information from the first again, and the reduction of the transaction processing efficiency is prevented.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a method for guiding customer operations when performing a transfer transaction using an automatic transaction device installed in a financial institution or the like.

[Conventional technology] When a customer himself/herself operates an automatic transaction device such as an ATM or a transfer machine installed at a financial institution to perform a transfer transaction,
Instead of the customer (transfer payer) filling out data such as the recipient and amount to be transferred on a transfer form, as is the case with transactions generally conducted at a counter, the customer (transferr) operates an input means consisting of various keys equipped on an automatic transaction device. You need to enter the data necessary for the transaction.

A conventional method of guiding a customer's operations when performing a transfer transaction by inputting data from the customer will be described with reference to the flowchart shown in FIG. 3.

Note that S in the figure indicates a processing step μ, and the following explanation will be made according to this processing step.

In addition, the automatic transaction device used here has a touch key as an input means using transparent electrodes, and a function display when the touch key functions as a function key, numeric keypad, character key, etc. It is assumed that the system is equipped with a display unit such as a CRT display that displays guidance messages for operation by the customer, transaction information input by key operations by the customer, and the like.

First, in 5101, transaction items are displayed on the display section of the device,
Encourage customers to select transaction items.

As a result, when a customer touches a touch key on the transaction item and inputs a desired transaction item, a control means such as a CPU (not shown) provided in the device determines whether the transaction item input by the customer is a transfer transaction. If a transaction item other than a transfer transaction is input, the device processes the transaction.

However, since transactions other than transfer transactions are not directly related to the present invention, their processing will not be mentioned, and the explanation will proceed here assuming that a transfer transaction has been input.

At 5102, "transfer card", "specify each time", etc. are displayed on the display section, and the customer is asked to select whether to proceed with the transaction based on the registered information using the transfer card, or proceed with the transaction by inputting information by key operation. prompt.

As a result, when the customer touches the touch keys on the display and inputs the desired item such as "transfer card" or "one-time designation", the control means determines whether the item input by the customer is "one-time designation" or not. “Designation is made each time”
If items other than the above are input, for example, a transfer card is inserted into the device, and the transaction processing based on the registered information is executed by the device.

In case 2, the fixed information necessary for the transfer transaction, such as the transfer destination and client, is registered in the center's host device, so inputting it can be omitted. The explanation will proceed assuming that the item has been input.

In 5103, the display section includes the type of bank (own bank or other bank), such as "city bank", "regional bank", "trust bank", or "mutual bank".
, "Shinkin Bank," etc., to prompt the customer to select it, and the customer then touches the touch key on the type of financial institution to input the desired financial institution.

In 5104, when a financial institution is selected by the above-mentioned key operation, kana characters are displayed on the display section to prompt the customer to input the initial letter of the financial institution name, thereby selecting the financial institution name desired by the customer. Input by touching the touch key on the corresponding character.

At step 5105, the name of a financial institution having the initial letter corresponding to the input character is displayed on the display section to prompt the customer to select, and the customer touches the touch key on the name of the financial institution desired to input the name.

At 5106, kana characters are displayed on the display section to prompt the customer to input the initial letter of the branch name of the financial institution selected by the above operation, and the touch key on the character corresponding to the branch name desired by the customer is thereby pressed. Touch to input.

At step 5107, the branch name having the initial letter corresponding to the input character is displayed on the display section to prompt the customer to select, and the customer touches the touch key on the desired branch name to input it.

Note that the processes in steps 5104 and 5106 are not necessarily necessary, and immediately after the process in step 5103 is completed, the name of the financial institution is displayed on the display section, the process in step 8105, that is, the selection of the financial institution name is performed, and the branch name is further displayed, and the process in step 3107 This process may be performed, that is, selecting a branch name.

At 5108, the display section displays the deposit account to be transferred to, such as "ordinary" or "current account", prompts the customer to select it, and the customer then touches the touch key on the deposit account to input.

At step 5109, numbers 0 to 9 are displayed on the display section to prompt the customer to input the account number to which the transfer is to be made, and the customer then touches the touch key above the number to input the account number.

At 5110, when the input of the account number is completed, kana characters are displayed on the display section to prompt the customer to input the recipient's name.

As a result, the customer touches the touch key on the kana characters to input the recipient's name.

At step 5111, kana characters are displayed on the display section again to prompt the customer to input the name of the person making the transfer.

As a result, the customer touches the touch key on the kana characters to input the name of the transfer client.

5112, when the input of the transfer requester's name is completed, a number from O to 9 is displayed on the display to prompt the customer to input the transfer requester's telephone number, and the customer then touches the touch key above the number and makes a call. Enter the number.

In addition, if the customer inserts a cash card into the device in advance and performs a transaction using the account on this card, the customer must input the telephone number and the client's name, that is, 5ill.

The process in step 5112 can be omitted.

5113 has numbers 0 to 9 and "10,000" on the display.

Characters such as "1,000", r yen j, etc. are displayed to prompt the customer to input the amount to be transferred, and when the customer touches the number or the touch key above the characters to input the amount to be transferred, the graphic in the device The above-mentioned input information stored in a memory or the like is transferred by the control means to the host device of the center, and the host device verifies the account number of the transferee, the name of the recipient, etc.

In step 5114, if the transaction is possible as a result of the verification, information to that effect is sent back from the host device of the center to the device, and then the input information is displayed on the display unit along with characters such as "confirm" and its contents are displayed. We urge you to confirm the following.

As a result, when the customer touches the touch key above the words ``rVIi approved'' and inputs confirmation, the device executes the transaction execution process.

In this execution process, in the case of a transaction using a cash card, the transfer amount is debited from the client's account and transferred to the recipient's account, and the customer information stored in the file on the host device of the center is updated. When the card is returned, a transaction statement slip will be issued.

In the case of cash transactions, the customer is encouraged to insert the amount of money to be transferred in cash, and the customer is asked to insert the cash into the cash processing machine installed in the machine, which counts and stores the cash, and then receives the transferred amount. At the same time as transferring money to the person's account, updating the customer information stored in the file on the host device of the center,
After that, a transaction statement slip is issued to the customer.

[Problem to be solved by the invention]

However, the above-mentioned conventional technology has the following problems.

In other words, transfer transactions using automated transaction devices require more information to be entered through key operations by the customer than other transactions, making it more likely that errors will occur. Once this has progressed, it is no longer possible to correct it.

Therefore, if you enter the financial institution name or branch name incorrectly,
As soon as an incorrect input is noticed, the transaction must be canceled and the information input operation must be performed again from the beginning, resulting in a problem that the time required for the transaction becomes extremely long and the transaction processing efficiency decreases.

Additionally, since the display section only displays the screens necessary for inputting information in each step, there is a problem that if the customer continues to operate without noticing an incorrect input, there is a high possibility that the transaction will be made with incorrect information. .

The present invention was made in order to solve these problems, and it prevents a decline in transaction processing efficiency by allowing customers to correct information when they input it incorrectly, and also provides a screen that makes it easier for customers to recognize incorrect input. It is an object of the present invention to realize a method of guiding a customer to perform a transfer transaction using an automatic transaction device, by displaying the information so as to avoid transactions based on incorrect information.

[Means and operations for solving the problems] In order to achieve the above-mentioned objects, the present invention is as follows.

First of all, the first invention allows a customer to operate input means consisting of various keys provided on an automatic transaction device, and to follow predetermined steps on a display section provided on the automatic transaction device corresponding to the input means. In a method for guiding a customer in a transfer transaction using an automated transaction device, the display unit displays a screen for inputting information necessary for the transfer transaction and guides the customer's operation to input information on each screen of each step. The input means is provided with a return instruction key for inputting an instruction to return the display screen to the previous screen one step, and the information input in each step is displayed on the display screen of the next step, and the return instruction key The input operation returns the display screen on the display unit to the previous screen one step, and the input information at the returned step is corrected.

Further, in the second invention, in the method for guiding a customer operation for a transfer transaction using the automatic transaction device, an item designation key for specifying and inputting an item corresponding to information input by the customer and a correction instruction key for inputting a correction instruction are inputted. provided in the means, and after displaying all the information input in each step on the screen after the input operation is completed, displaying the items of input information in each step on the screen by the input operation of the instruction key, The screen is returned to the step corresponding to the item input by the customer, and the input information in the returned step is corrected.

A third aspect of the present invention is the method for guiding a customer operation in a transfer transaction using the automatic transaction device, including a return instruction key for inputting an instruction to return the display screen of the display unit to a screen one step before, and information input by the customer. The input means is provided with an item designation key for specifying and inputting an item corresponding to the item, and a correction instruction key for inputting a correction instruction, and the information input in each step is displayed on the display screen of the next step, and the By inputting the return instruction key, the display screen on the display unit is returned to the previous screen one step, and the input information in the returned step is corrected, and after the input operation is completed, all information input in each step is displayed on the display unit. After displaying the screen, the input information items for each step are displayed on the display section by inputting the instruction keys, the screen returns to the screen of the step corresponding to the item input by the customer, and the input information for the returned step is displayed on the screen. shall be corrected.

As mentioned above, in both inventions, the information entered by the customer is displayed on the screen in another step, and if the information is entered incorrectly, the information can be corrected. This eliminates the need to re-enter information from the beginning, which reduces the time required for transactions, prevents a decline in transaction processing efficiency, and provides a screen display that makes it easier for customers to recognize incorrect input.
Transactions based on incorrect information can be avoided.

〔Example〕

Examples will be described below with reference to the drawings.

FIG. 1 is a flowchart showing an embodiment of a method for guiding customer operations in a transfer transaction using an automatic transaction device of the present invention, and FIG. 2 is an explanatory diagram showing an example of a display screen of a display unit corresponding to the embodiment of FIG. be.

The automatic transaction device used in this example is equipped with an input means consisting of touch keys and a display section such as a CRT display as in the past, but by changing the software of the control system etc. The method is as follows.

First, S in FIG. 1 indicates processing steps, 81 to S1.
4 is a process corresponding to 5IOI to 5104 in FIG.
Exactly the same processing as in 03 is performed.

FIG. 3(a) shows the screen of the display section in S3. After the customer looks at this screen and inputs the type of financial institution, the next 8
Proceed to step 4.

Note that the word "cancel" in the figure is a key display to be used when the customer wishes to cancel the transaction for some reason.

In S4, kana characters are displayed on the display section to prompt the customer to input the initial letter of the financial institution name, but at this time, the type of financial institution input in S3 is displayed in a predetermined display area 1 on the screen, At the same time, a key is displayed with the characters "return", and this is used as a return instruction key 2 using a touch key. This return instruction key 2 moves the screen of the display section to the previous screen 83 (
This is for inputting instructions to return to the screen for selecting the type of financial institution. The display screen in this case is shown in Figure 3 (b
).

By looking at this, the customer can check whether the type of financial institution entered is correct. If the customer is correct, the customer can touch the touch key above the name of the desired financial institution, enter it, and then proceed to the next step. Proceed to step 85.

On the other hand, if the type of financial institution is incorrect, when the customer touches the return instruction key 2, the display section displays the screen of S3, that is, the screen for selecting the type of financial institution, and this prompts the customer to confirm the correct financial institution. Enter the type of institution.

In S5, the financial institution name having the initial letter corresponding to the input character is displayed on the display section to prompt the customer to select. At this time, the character input in S4 ("A" in the figure) is displayed in the display area 1. , and also displays the return instruction key 2, etc.

The screen of the display section in this case is shown in FIG. 3(C).

By looking at this, the customer can check to see if they have made a mistake in the first letter of the financial institution name that they have entered.If they have not made a mistake, the customer can enter the name by touching the touch key above the name of the desired financial institution. , proceed to the next 36.

On the other hand, if the initial letter of the financial institution name is incorrect, when the customer touches the return instruction key 2, the display section displays the screen of S4, that is, the screen for selecting the initial letter of the financial institution name,
This allows the customer to enter the correct characters.

Similarly, in 86, the name of the financial institution input by the customer in S5, in S7, the initial of the branch name input in S6, and in S8
In S6, the branch name entered in S6, in S9 the deposit account entered in S8, in SIO the account number of the transfer destination entered in S9, in SIT the recipient name entered in 310, in S1
In step 2, the client's name entered in step 311, and further in step S13, the client's telephone number entered in step S12 are shown in FIGS. 3(d), (e), (f), ((to), (5),
As shown in (i), (j), and (2), the return instruction key 2 is displayed in area 1 of each screen of the display section, and the return instruction key 2 is also displayed together with numbers, kana characters, etc., so that the customer can press the return instruction key. If you touch 2, you are returned to the previous screen one step and you are asked to correct each piece of information.

When the above input operations are completed up to the input of the transfer amount in S13, the above-mentioned input information stored in the memory (not shown) in the device is transferred to the host device of the center by the control means, and the host device transfers the information to the transfer destination. The account number and beneficiary name will be verified.

If the transaction is possible as a result of this verification, information to that effect is sent back from the host device of the center to the device, and as a result, in this embodiment, each of the above-mentioned input information is displayed on the display section in step 314, and a "confirmation" button is displayed. , "Correction" etc. will be displayed.
Encourage confirmation of the displayed content. Here, it is assumed that the key display with the characters "correction" is a touch key correction instruction key 3, and an instruction to correct the information displayed is input in this step. Figure 3 (1) shows the display screen in this case.
Shown below.

When the customer sees this and inputs confirmation by touching the touch key above the word "confirm", that is, confirmation key 4, the device executes the transaction execution process, but this execution process is performed as before. The explanation will be omitted.

On the other hand, if the customer finds an error in the input information and as a result touches the correction instruction key 3 to input a correction, the process advances to the next sis.

In S15, the item to be corrected, that is, the item corresponding to the input information, is displayed on the display section. Here, it is assumed that the key display using characters representing each of these items is an item designation key 5 using a touch key, and the item displayed in this step is designated. The display screen in this case is shown in Figure 3 (E).
Shown below.

When the customer sees this and inputs a correction item by touching the item designation key 5, the process proceeds to the next step 316, where the control means in the device determines whether the input correction item is of the type of financial institution. .

Here, if the control means determines that the correction item is not the type of financial institution, the process proceeds to the next step 317, but if it determines that the correction item is the type of financial institution, the procedure described in steps 83 to S7 above is performed. , the customer is asked to correct the type of financial institution, name of the financial institution, and name of the branch.

The reason why the financial institution name and branch name are corrected here is that if the type of financial institution is corrected, there is a very high probability that the financial institution name and branch name will be corrected.

In S17, the control means determines whether the correction item input in S15 is a financial institution name or not. If it is determined that it is not a financial institution name, the process proceeds to the next step 318, but if it is determined that it is a financial institution name, The customer is asked to correct the financial institution name and branch name using the procedure described in steps 34 to S7 above.

In 318, the control means determines whether the correction item input in S15 is a branch name or not. If it is determined that it is not a branch name, the process proceeds to the next step 319, but if it is determined that it is a branch name, it is determined that the correction item is a branch name. The customer is asked to correct the branch name using the procedure explained in 37.

In S19, the control means determines whether the correction item input in S15 is an account item or not. If it is determined that it is not an account item, the process proceeds to the next step 320, but if it is determined that it is an account item, the process proceeds to S8. Have the customer correct the account details using the procedure explained above.

In step 320, the control means determines whether the correction item input in step S15 is an account number. If it is determined that it is not an account number, the process proceeds to the next step S21, but if it is determined that it is an account number, the control means proceeds to step S9. Have the customer correct the account number using the procedure explained in the previous section.

In S21, the control means determines whether the correction item input in S15 is the recipient's name. If it is determined that it is not the recipient's name, the process proceeds to the next step 322, but if it is determined that it is the recipient's name, the control means determines whether the correction item input in S15 is the recipient's name. The customer is asked to correct the recipient's name using the procedure explained in the SIO.

In S22, the control means determines whether or not the correction item input in S15 is the client's name. If it is determined that it is not the client's name, the process proceeds to the next step 323, but if it is determined that it is the client's name, The customer is asked to correct the client's name using the procedure explained in Sll above.

In step 323, the control means determines whether the correction item input in step 315 is the client's telephone number, and if it is determined to be the client's telephone number, the control means informs the client of the client's telephone number using the procedure explained in step S12. If it is determined that the customer's telephone number is not the customer's telephone number, the customer is made to input the corrected amount to be transferred using the procedure explained in step 313 above.

After having the customer make corrections as described above, the information is transferred to the host device at the center, where the host device verifies the account number and recipient's name, etc., and confirms that the transaction is possible. If the information is returned, the device executes the transaction through the process of S14.

In the above-described embodiment, the information inputted one step before is guided to be corrected in steps 84 to S13, and in step S15
Although the present invention is guided so that input information can be corrected by selecting an arbitrary item, the present invention is not limited to this. good.

It is also possible to have the customer select and input a plurality of correction items in step 315 of the above-described embodiment, and guide the customer to correct the input correction items in order.

Furthermore, in the above-described embodiment, an automatic transaction device is used in which a touch key as a control means made of transparent electrodes is arranged on a display section such as a CRT. It is also possible to use an automatic transaction device equipped with keys, numeric keys, character keys, etc. In this case, in addition to the conventional keys, a return instruction key 2, a correction instruction key 3, and an item specification key 5 are provided. Just do it like this.

〔Effect of the invention 〕

As explained above, the present invention allows a customer to operate an input means consisting of various keys provided on an automatic transaction device, and a display section provided on the automatic transaction device is predetermined in correspondence with this input means. In a method for guiding a customer in a transfer transaction using an automatic transaction device, the method displays a screen for inputting information necessary for the transfer transaction according to the steps set forth above, and guides the customer's operation to input information on each screen of each step,
The information entered by the customer is displayed on the screen in another step, and if the information is entered incorrectly, it can be corrected, so there is no need to cancel the transaction and enter the information again from the beginning as in the past. This eliminates the time required for transactions, which has the effect of preventing a drop in transaction processing efficiency, and also provides a screen display that makes it easier for customers to recognize erroneous inputs, so they can avoid errors caused by incorrect information. Another advantage is that transactions can be avoided.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing an embodiment of a method for guiding customer operations in a transfer transaction using an automatic transaction device of the present invention; FIG. 2 is a diagram showing an example of a display screen of a display unit corresponding to the embodiment of FIG. FIG. 3 is a flowchart illustrating a method for guiding customer operations for transfer transactions using a conventional automatic transaction device. 1: Display area 3: Correction instruction key 2: Return specification key 5: Item specification key

Claims (3)

[Claims] (1) Have the customer operate input means consisting of various keys provided on the automatic transaction device, and follow predetermined steps required for a transfer transaction on the display section provided on the automatic transaction device corresponding to the input means. In the method for guiding a customer in a transfer transaction using an automated transaction device, the display screen of the display unit is displayed on a screen for inputting information, and the customer is guided to input information on each screen of each step. The input means is provided with a return instruction key for inputting an instruction to return to the screen before the step, and the information input in each step is displayed on the display screen of the next step, and by inputting the return instruction key. A method for guiding a customer in a transfer transaction using an automatic transaction device, characterized in that the display screen on the display unit is returned to the previous screen one step, and the input information in the returned step is corrected. (2) Have the customer operate input means consisting of various keys provided on the automatic transaction device, and follow predetermined steps required for a transfer transaction on the display section provided on the automatic transaction device corresponding to the input means. In a method for guiding a customer in a transfer transaction using an automated transaction device, the method displays a screen for inputting information and guides the customer's operation to input information on each screen of each step, the item corresponding to the information input by the customer. The input means is provided with an item designation key for specifying input and a correction instruction key for inputting a correction instruction, and after the input operation is completed, all the information input in each step is displayed on the display section, and then the It is characterized by displaying the input information items in each step on the screen by inputting the instruction keys, returning to the screen of the step corresponding to the item input by the customer, and correcting the input information in the returned step. A method of guiding customers to transfer transactions using an automated transaction device. (3) Have the customer operate input means consisting of various keys provided on the automatic transaction device, and follow predetermined steps required for a transfer transaction on the display section provided on the automatic transaction device corresponding to the input means. In the method for guiding a customer in a transfer transaction using an automated transaction device, the display screen of the display unit is displayed on a screen for inputting information, and the customer is guided to input information on each screen of each step. The input means is provided with a return instruction key for inputting an instruction to return to a screen before a step, an item specification key for specifying and inputting an item corresponding to information input by the customer, and a correction instruction key for inputting a correction instruction. The information input in each step is displayed on the display screen of the next step, and the input operation of the return instruction key returns the display screen on the display unit to the previous screen one step, and the input information in the returned step is displayed. At the same time, after the input operation is completed, all the information input at each step is displayed on the screen on the display section, and then the input information items at each step are displayed on the screen at the input operation of the instruction keys, so that the customer can A method for guiding a customer in a transfer transaction using an automated transaction device, characterized by returning to the screen of the step corresponding to the input item and having the user correct the input information in the returned step.