JPH05242132A - Automatic transaction device and automatic transaction method - Google Patents

Abstract

(57) [Summary] [Purpose] It is possible to access multiple transaction information using one transaction medium. [Structure] A transaction medium 5A such as one card corresponding to a plurality of transaction information is formed, and a transaction medium processing unit 5 for processing the transaction medium 5A and an operation unit 3 are provided.
Has an input means for making it possible to access each transaction information after inserting the transaction medium 5A. [Effect] It is possible to access each transaction information provided for each transaction purpose with one or a minimum number of transaction media. Also,
Transfer transactions between a plurality of transaction information are also easily possible.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine such as an ATM and an automated teller machine of a bank, and more particularly to an automated teller machine suitable for conducting transactions with a plurality of transaction accounts (transaction information). And the automatic transaction system.

[0002]

2. Description of the Related Art With the recent spread of automated teller machines such as ATMs, not only operation of living expenses but also automatic transfer of salary, automatic transfer of utility charges such as electricity, gas, water, telephone charges, and bank loan Opportunities to use automatic transaction equipment such as automatic repayment are increasing. As a result, there are new uses such as using a bankbook as a household account book replacement, and there is more than one transaction account registered with a financial institution for each transaction use, especially for city bank users. It has become commonplace between. Recently, there is a similar tendency for users of regional banks and other financial institutions. Therefore, in order to exchange funds between transaction accounts in a short time, Japanese Patent Publication No. 3-30902 is known as a known technique that enables a plurality of operations such as a transfer to be performed continuously by one operation. There is.

However, in these conventional transactions, one transaction medium is usually issued by a financial institution for one transaction account, and therefore a user having a plurality of transaction accounts corresponds thereto. It was necessary to store multiple transaction media.

[0004]

In the conventional automatic transaction apparatus, a user having a plurality of transaction accounts needs to store a plurality of transaction media correspondingly, and when performing a certain transaction. It was necessary for the user to select and bring a trading medium for the trading account according to the purpose. Therefore,
(1) It takes time and effort to select a trading medium corresponding to the trading account each time a transaction is carried out, (2) a wrong selection of the trading medium occurs, and (3) it is necessary to store many trading media as the trading accounts increase. There was a problem that the chances of occurrence, theft or loss increased.

An object of the present invention is to provide an automatic transaction device and an automatic transaction system capable of conducting a transaction with a plurality of transaction information using one transaction medium.

[0006]

In order to achieve the above object, an automatic transaction device according to the present invention is a transaction data storage device for storing a plurality of transaction information and a transaction medium handling for processing at least one transaction medium. In the automatic transaction device comprising means and an operation means for displaying a plurality of transaction items and selecting and inputting a predetermined transaction item, one transaction medium corresponding to each transaction medium is formed, and the operation means is It is configured to have an input means for making it possible to access each transaction information after inserting the transaction medium.

A transaction data storage device for storing a plurality of transaction information, a transaction medium handling means for processing at least one transaction medium, and an operating means for displaying a plurality of transaction items and selecting and inputting a predetermined transaction item. In the automatic transaction device having a transaction medium having one transaction medium formed corresponding to each transaction medium, the operation means can specify at least one of the transaction information after inserting the transaction medium. Alternatively, the input means may be included.

The operating means may be provided with an input means for designating predetermined transaction information by inputting a 5-digit personal identification number.

Further, the operation means may be configured to have an input means for displaying each transaction information and designating predetermined transaction information.

The operation means may be configured to have an input means for inputting predetermined transaction information.

Further, the operating means may be configured to include means for enabling transactions between the respective transaction information by inputting predetermined transaction information.

Further, the transaction medium may be formed by one deposit passbook, and the operation means may be provided with means for designating predetermined transaction information by the deposit passbook.

And in the transaction medium, claims 1 to 7
In the transaction medium used for the automatic transaction device described in any one of 1, the transaction information corresponding to each transaction information is recorded and formed by one card.

In the automatic transaction system, a plurality of transaction information are stored in the transaction data storage device, at least one transaction medium is processed by the transaction medium handling means, and a plurality of transaction items are displayed by the operation means to display a predetermined transaction. In the automatic transaction method for selecting and inputting an item, after inserting a transaction medium corresponding to each transaction medium and formed by one transaction medium, the operation means makes the respective transaction information accessible. And

Further, a plurality of transaction information are stored in the transaction data storage device, at least one transaction medium is processed by the transaction medium handling means, a plurality of transaction items are displayed by the operating means, and a predetermined transaction item is selected and input. In the automatic transaction method, after inserting the transaction medium corresponding to each transaction medium and formed by one transaction medium, the operation means is configured to be able to specify at least one of each transaction information.

Then, the operation means may be configured so that predetermined transaction information is designated by inputting a 5-digit personal identification number.

Further, the operating means may be configured to display respective transaction information and to designate predetermined transaction information.

Further, the operation means may be configured to input predetermined transaction information.

The operating means may be configured to enable transactions between the respective transaction information by inputting predetermined transaction information.

Further, the transaction medium may be formed of one deposit passbook, and the operating means may be configured to designate predetermined transaction information by the deposit passbook.

[0021]

According to the present invention, a plurality of transaction accounts (transaction information) can be accessed by operating one operation medium after inserting one transaction medium. Easy access to each trading account.
Therefore, even if there are a plurality of trading accounts, the number of trading media is small. Further, since transactions between a plurality of trading accounts are also possible by the operation of the operating means, it is possible to carry out transactions between all trading accounts with one card.

[0022]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An automated teller machine, which is an example of an automated teller machine, will be described as an embodiment of the present invention with reference to FIG. As shown in FIG. 1, an automatic teller machine 1 includes a cash handling section (cash handling means) 2 for handling cash such as banknotes,
A user inputs transaction information necessary for a transaction into the automated teller machine, and an operation unit (operating means) 3 for displaying operational guidance from the automated teller machine to the customer, and the customer's transaction medium 5A.
A card slip handling unit (card slip handling means) 4 for reading and writing transaction information of one bank or a card and issuing transaction details, and entry of a passbook which is a customer's transaction medium 5A. It is composed of a passbook handling section (transaction medium handling means) 5 for performing the processing of 1. and a guide display section 6 for guiding the contents of the transaction to the customer.

FIG. 2 is a system configuration diagram for controlling the automatic teller machine 1, and hereinafter, the same numbers are given to those showing the same function. Cash handling department 2 for deposits and payments
A cash handling control unit 201 for controlling the operation, an operation control unit 301 for controlling the operation unit 3 for displaying transaction information from the device to the customer and for inputting transaction information into the device by the user, and a transaction medium for the user. Read the information on the 5A card,
A card slip handling control unit 401 that controls a card slip handling unit 4 that writes information from the device to a card or issues a statement slip that records transaction information, and a passbook handling unit that performs processing such as entry in a passbook. 5, a passbook handling control unit 501, and a guidance display control unit 6 that controls a guidance display unit 6 for displaying transaction items that can be processed by an automatic machine.
01 and a main control unit 7 that performs overall control of each control unit. The main control unit 7 has a communication line 8
Is connected to the central processing unit 9 and the transaction data storage unit 10 which stores customer data, financial institution names, and the like. The transaction data storage device 10 has an account A101, an account B102, and an account C10 opened for each customer.
3, transaction information of account D104, account E105, etc. is stored.

Next, FIG. 3 shows an embodiment of an initial screen when the operation unit 3 is a touch panel type. In this embodiment, a plurality of transaction items [withdrawal] [deposit] [transfer] [balance check] [passbook entry] [transfer] [cashing] are displayed, but other transactions may be performed as necessary. It is possible. The customer can select and input the transaction item according to the purpose by touching the transaction item on the screen. The operation control unit 301 switches to the next screen after detecting the transaction item operated by touching the screen.

Although the embodiment in which the operation unit 3 is of the touch panel type is shown here, it may be of a push button type or another type.

FIG. 4 is a diagram of a screen for instructing the input of a passbook or a card, and the customer can input a passbook or a card based on this instruction screen as needed.
The cancel key 11 is used when canceling the contents of the operation so far.

FIG. 5 is a diagram showing a screen (input means) for waiting for the input of the personal identification number. In this embodiment, unlike the normally used four-digit personal identification number, the account (transaction) to be accessed in the fifth digit is required. You can enter the number given to (Information) as a number. The first 4-digit number entered is displayed as symbol * 12 each time it is entered, and the fifth digit is displayed as symbol * 13 to prevent input mistakes due to incorrect input digits, and to prevent others from making mistakes. Your PIN will not be stolen. The fifth digit is, for example, 1 for account A and 2 for account B according to the account you want to access.
It is 3 for account C, 4 for account D, 5 for account E, and so on. If you notice a mistake in the person's memory while inputting the PIN and want to correct it, the [Correct] key 141
Press the [CANCEL] key 14 to cancel the operation so far, or press the [PREVIOUS PAGE] key 15 to return to the previous screen.

In the above-mentioned embodiment, the number given to the account to be accessed in the fifth digit of the personal identification number can be entered by a numeral, but a normal four digit personal identification number is used for each transaction account. You may register with a different number for each and distinguish it with a personal identification number. Further, when inputting the above-mentioned personal identification number, the symbols * and # can be used by registering in advance. Further, the account number to be accessed may be selected using the bankbook issued for each transaction account.

Next, the operation when the customer uses the automatic teller machine 1 will be described with reference to the flowchart of FIG. The customer selects a transaction based on the initial screen marked with a symbol ● shown in Fig. 3 and starts the transaction. By pressing the key marked with a circled symbol ●, the customer can make a transaction corresponding to that mark.

For example, when the customer presses the key of step 20 or the [withdrawal] key, the transaction screen advances to the [transaction medium input] screen of step 21, and the display unit 3 displays the transaction medium as shown in FIG. The screen for inputting a passbook or card is displayed. When the transaction medium necessary for the transaction is input, the process proceeds to the [PIN input] screen of step 22, and the display unit 3 becomes the PIN number designation screen shown in FIG. As described above, the [account designation] in step 23, that is, the account number for withdrawing cash is determined based on the number entered in the fifth digit of the personal identification number.

If the personal identification number is correct, the payment amount will be entered and the payment operation will be performed. However, the detailed operation will not be described because it is the same as the conventional one.

FIG. 7 shows a screen (input means) of another embodiment for selecting an account number to be accessed, which is switched to this screen after inputting a 4-digit personal identification number as in the conventional case. In this embodiment, the account A is an account for pay slips (that is, deposits only), the account B is an account for living expenses (that is, depositing and withdrawing expenses related to daily life), and the account C is electricity, gas, Account for automatic remittance of utilities such as water and telephone, Account D is an account dedicated to repayment of loan, Account E is an automatic loan card loan (that is, if the balance of accounts B to D is insufficient, the account is automatically transferred from account A If the funds are still in short supply after the funds are transferred to the insufficient account, the registered financial institution can automatically provide the loan, and the loan balance is recorded). In addition, an account dedicated to education expenses, an account dedicated to financial tech, etc. can be considered, but the illustration is omitted. When applying for and registering each of these accounts with a financial institution, a passbook is generally issued for each account because it is convenient to record the transaction record for each account.

The user can specify the account to be accessed by pressing the part surrounded by a square based on the account registration display for each purpose registered at the time of opening the account in advance. It is preferable to press the [Cancel] key 14 to cancel the operation so far, the [Correction] key 141 if the operation is incorrect, or the [Previous page] key 15 to return to the previous screen. When the number of accounts is too large to fit on one screen, the [Next Page] key 16 is pressed to switch the screen to a subsequent screen not shown. Further, the [Confirm] key 17 is operated when the pressed account is correct to switch to the next screen. Here, of course, the accounts that can be traded are limited to those of the same registered name, but even if the bank name or branch name is different, there will be no problem if it is within the range of online banking transactions. Absent.

It should be noted that, in FIG. 7, the order of displaying the accounts is set to the order of the most frequent transactions, so that the operation time of the user is shortened, which is practical.

FIG. 8 shows a screen (input means) of another embodiment for designating an account number to be accessed, and the screen is switched to this screen after inputting a 4-digit personal identification number as in the conventional case. Based on this screen, the user can specify the transaction account to access by entering the number. Details are omitted, but in this case it is necessary to enter the branch number, account number, account type, etc. using numbers and symbols. If you want to cancel the operation so far, press the [Cancel] key 14, or if you make a mistake in the transaction account number and press the [Correction] key 141, re-enter it, and if you want to return to the previous screen, Previous page] key 1
Press 5. Further, the [Confirm] key 17 is operated when the pressed account is correct to switch to the next screen. Also, when entering the above account number, it is possible to enter it by using the symbols * and # by registering in advance.

By any of the above methods, it is possible to specify the account for which access, that is, withdrawal of the deposit, is to be performed. The following operations such as the withdrawal amount input operation are not particularly different from the conventional ones, and thus the description is omitted.

Next, when the customer presses the key of step 24, that is, the "deposit", the transaction screen advances to the "transaction medium input" screen of step 25, and the display section 3 is shown in FIG.
Of the transaction medium input instruction screens shown in (3), only the passbook portion is displayed. Generally, in the case of depositing, transactions can be made only with a passbook, and the user can specify the account by inputting the deposit passbook of the account to be deposited. When accepting deposit transactions only with cards without passbooks or with passbooks and cards, specify the account in the same way as for withdrawal transactions.

Next, when the customer presses the step 26, that is, the [balance inquiry] key, the transaction screen advances to the [transaction medium input] screen of step 27, and the display section 3 is shown in FIG.
Of the transaction medium input instruction screens shown in (3), only the card portion is displayed. Input the password in step 22 below,
The method of specifying the account in step 23 is the same as that of the withdrawal transaction.

Next, when the customer presses the key of step 28, that is, [transfer] (means for enabling transaction between respective transaction information), the transaction screen is step 2
9, the transaction medium input screen is displayed, and the display unit 3 becomes the transaction medium input instruction screen shown in FIG. 4, that is, step 29. When the necessary transaction medium is input, the screen is switched to the [transfer content designation] screen, that is, step 30 shown in FIG. Here, it is possible to make a transfer instruction by operating the keys surrounded by squares. When the [Transfer 1] key 50 is transferred from your own name to your own name, the [Transfer 2] key 51 is transferred from your own name to another person's name. Used respectively. When transferring from one's name to another's name, the following operations are the same as the conventional ones, and therefore omitted. In addition, when the cash is directly transferred to the account of oneself or another person, the transaction is performed in the same manner as the conventional method by performing the transfer operation in FIG.

When transferring from one's own name to one's own name, if the [transfer 1] key 50 is operated, the following step 31
That is, the transfer account is designated based on the transfer account designation screen shown in FIG. That is, it is possible to specify the necessary transfer content from the transfer content 52 to 56 enclosed by a square. If you make a mistake, press the [Correction] key 14
1 or the [Confirm] key 1 if the transfer contents are correct
Pressing 7 switches to the next screen. To cancel the operation so far, the [Cancel] key 14 may be pressed. If the number of accounts is too large to fit on one screen, press the [Next Page] key 16 to continue the screen.
By switching to, and pressing the transfer content 53, etc.,
It is possible to specify a desired transfer content. When performing a plurality of transfers from the account A to the account B and the account C at the same time, it is advisable to press the [confirm] key 17 after successively pressing the keys 52 and 53 in FIG. 10, for example. Hereinafter, a transfer transaction can be performed by inputting a transfer amount or the like, but since it is the same as the conventional operation, its details are omitted.

For frequent transfer requests such as transfer from one's own account to one's own family account,
It may be added to the display item of FIG. 10 or 11 by special registration.

Further, as described with reference to FIG. 7, in the automatic loan card loan, for example, when the balance of the account B is insufficient, even if the funds are automatically transferred from the account A to the insufficient account B, the registration is performed. It is an account that can be automatically loaned by the financial institution. However, since there is generally an obligation to pay interest on a loan loan, if there is a balance in another account C or D, that balance may be transferred to the insufficient account B. Figure 1
0, transfer can be easily performed by using the operation method of FIG.

There are other transaction forms such as a passbook entry transaction, a transfer transaction, and a cashing transaction, but the details of the description will be omitted because the account that needs to be accessed can be specified in the same manner as described above.

In the above operation screen, the operated key is color-coded with other non-operated keys, blinked by using a backlight such as a color light emitting element, or the item to be operated next is selected. By color-coding or blinking, the operated key and the key to be operated next become clear, which is effective in increasing the speed of operation by the user.

When the customer operates based on the operation guidance, and if it is a correct key operation, the operation is performed more smoothly by issuing an operation sound such as [beep] by a known means (not shown). Has the effect of In addition, when a key operation unrelated to the operation is performed, for example, when a wrong number which is not registered when the personal identification number is input in FIG. 5 is pressed, or when a wrong number which is not registered when the account number is input in FIG. When you press a number etc., do not make an operation sound, or although not shown,
Input errors can be prevented by taking measures such as displaying an error message such as "Please try again".

According to the present invention, it is possible to make a transaction for any account by only bringing one shared card, which is a transaction medium issued for a plurality of transaction information. Of course, it is needless to say that multiple cards need to be issued for sharing with couples and families, and even in this case, each person need only bring one card.

The card is not only a magnetic card, but I
C cards, optical cards, etc. are applicable.

Further, it goes without saying that the input device can be used not only for an automatic teller machine such as an ATM, but also for an input device in an automatic machine such as a teller machine used by teller staff such as banks.

[0049]

According to the present invention, since a plurality of transaction information can be accessed by operating the operating means after inserting one transaction medium, it is possible to access each transaction information provided for each transaction purpose. It is possible with one or a minimum number of transaction media. Also, transfer transactions between a plurality of transaction information can be easily performed.

[Brief description of drawings]

FIG. 1 is a perspective view of an automated teller machine according to an embodiment of the present invention.

FIG. 2 is a configuration diagram of a system of the automatic teller machine shown in FIG.

FIG. 3 is a diagram showing an initial screen.

FIG. 4 is a diagram showing a passbook or card input instruction screen.

FIG. 5 is a diagram showing a screen for inputting a personal identification number.

FIG. 6 is a diagram showing a transaction flowchart.

FIG. 7 is a diagram showing an account number input screen.

FIG. 8 is a diagram showing an account number input screen.

FIG. 9 is a diagram showing a transfer content designation screen.

FIG. 10 is a diagram showing a transfer account designation screen.

FIG. 11 is a diagram showing a transfer account designation screen.

[Explanation of symbols]

 1 automatic cash transaction apparatus 2 cash handling section 3 operation section (operating means) 4 card slip handling section 5 passbook handling section (transaction medium handling means) 5A transaction medium 6 guidance display section 7 main control section 8 communication line 9 central processing unit 10 Transaction data storage

Claims (15)

[Claims] 1. A transaction data storage device for storing a plurality of transaction information, a transaction medium handling means for processing at least one transaction medium, and an operation for displaying a plurality of transaction items and selecting and inputting a predetermined transaction item. In the automatic transaction apparatus including the means, one transaction medium corresponding to each transaction medium is formed, and the operation means includes an input means that enables access to each transaction information after inserting the transaction medium. An automatic transaction device characterized in that 2. A transaction data storage device for storing a plurality of transaction information, a transaction medium handling means for processing at least one transaction medium, and an operation for displaying a plurality of transaction items and selecting and inputting a predetermined transaction item. An automatic transaction apparatus including means, having one transaction medium formed corresponding to each transaction medium, wherein the operating means includes at least one of the transaction information after inserting the transaction medium. An automatic transaction device, characterized by comprising input means capable of designating. 3. The automatic transaction device according to claim 1, wherein the operation means includes an input means for designating predetermined transaction information by inputting a 5-digit personal identification number. 4. The automatic transaction apparatus according to claim 1, wherein the operation means includes an input means for displaying each transaction information and designating predetermined transaction information. 5. The automatic transaction device according to claim 1, wherein the operation means includes an input means for inputting predetermined transaction information. 6. The automatic system according to claim 1, wherein the operation means includes means for enabling transactions between the respective transaction information by inputting predetermined transaction information. Trading equipment. 7. The transaction medium is formed by one deposit passbook, and the operating means includes means for designating predetermined transaction information by the deposit passbook. The described automatic transaction device. 8. The transaction medium used in the automatic transaction device according to claim 1, wherein one transaction information corresponding to each transaction information is recorded and formed by one card. Characteristic trading medium. 9. A plurality of transaction information is stored in a transaction data storage device, at least one transaction medium is processed by a transaction medium handling means, a plurality of transaction items are displayed by an operation means, and a predetermined transaction item is selected. In the automatic transaction system for inputting, after inserting the transaction medium corresponding to each transaction medium and formed by one transaction medium, the operating means makes each transaction information accessible. method. 10. A transaction data storage device stores a plurality of transaction information, at least one transaction medium is processed by a transaction medium handling means, a plurality of transaction items are displayed by an operation means, and a predetermined transaction item is selected. In the automatic transaction method to enter,
After inserting the transaction medium corresponding to each transaction medium and formed by one transaction medium, the operation means is capable of designating at least one of the respective transaction information. .. 11. The automatic transaction system according to claim 9, wherein the operation means specifies predetermined transaction information by inputting a 5-digit personal identification number. 12. The automatic transaction system according to claim 9 or 10, wherein the operation means displays respective transaction information and designates predetermined transaction information. 13. The automatic transaction system according to claim 9, wherein the operation means inputs predetermined transaction information. 14. The automatic transaction system according to claim 9, wherein the operation means enables transactions between the respective transaction information by inputting predetermined transaction information. 15. The automatic transaction method according to claim 9 or 10, wherein the transaction medium is formed by one deposit passbook, and the operating means designates predetermined transaction information by the deposit passbook.