JPH0573751A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To shorten the transaction time and to realize a high operating ratio by performing a payment transaction without all of many key inputs and enabling not only a person having normal sight but also a visually handicapped person to easily operate a device. CONSTITUTION:A control part 10 is provided with a card discriminating means 14, a read means 15, and a payment indicating means 16. The card discriminating means 14 distinguishes a card only for payment, which is generated by giving specific information indicating the card only for payment to the magnetic stripe part of the card, from a normal card in accordance with read information, and the read means 15 reads the pertinent amount of money to be paid from a data file 13 where the amount of money of one payment preliminarily set for each card only for payment by a customer is stored when it is discrimited by the card discriminating means 14 that the inserted card is the card only for payment and the password number inputted by ten keys and a correction key 8 is judged to be correct, and the payment indicating means 16 indicates the payment processing of the certain amount of money read out by the read means 15.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION The present invention can be operated by a customer himself / herself by using an automatic teller machine (hereinafter referred to as ATM) or an automatic teller machine (hereinafter referred to as CD) installed in a financial institution such as a bank. The present invention relates to an automatic transaction device that performs transaction processing such as deposit and withdrawal.

[0002]

2. Description of the Related Art In recent years, various types of multifunctional functions have been achieved in automatic transaction devices such as ATMs and CDs.
In addition to simple transactions such as deposit transactions and withdrawal transactions that can be performed only by entering the customer's own information, such as a personal identification number and the amount of money, telephone numbers and account numbers of other parties other than the customer themselves Transactions that require input, such as transfer, transfer, and cashing, are also possible. Therefore, when a customer makes a transaction using these ATM, CD, etc., the transaction procedure tends to be complicated. Figure 4 shows a conventional ATM
FIG. 5 is a flowchart showing an example of a conventional operation by the customer when making a withdrawal transaction by the ATM shown in FIG.

In FIG. 4, reference numeral 1 is an ATM main body, and 2 is a front surface of the ATM main body 1 for customer operation for displaying operation procedures and operation buttons to the customer when performing transaction processing. The display screen (hereinafter referred to as "CRT") of the CRT 2 has recently been increased to a structure having a transparent touch panel so as to cover the entire surface of the CRT 2 in recent years. The touch sensor 3 serves as an input unit that can input various items required for a transaction by touching it from above with a finger or the like. Note that this input means is not limited to the touch sensor 3, and may have a structure in which a push button or the like is provided around the CRT 2.

[0004] Reference numeral 4 is for inserting a transaction card in which personal information of a customer who wants to make a transaction is stored in an information holding section such as a magnetic stripe section, and for inserting the card to the customer after the processing is completed. Ejection ports 5 are passbook insertion and ejection ports adjacent to the card insertion and ejection port 4, and are designed to insert a passbook (not shown) into the apparatus and eject it after the processing is completed. Then, inside the devices of the card insertion and ejection port 4 and the passbook insertion and ejection port 5, reading devices for reading the customer information such as the name and account number of the customer from the information holding unit of the card or passbook are installed. 6 is a bill insertion / reception opening provided next to the CRT 2 for inserting and receiving bills, and 7 is a coin insertion / reception opening provided below the passbook insertion / ejection opening 5 for inserting and receiving coins. It is a thing. And an ATM with such a configuration
The main body 1 is controlled by a control unit (not shown),
This control unit is connected to a host computer (not shown) via a line.

Next, an operation when a customer makes a withdrawal transaction using the above-mentioned ATM main body 1 will be described with reference to an operation flowchart of FIG. 5 in addition to FIG. First, the customer is AT
When a withdrawal transaction is selected by touching the touch sensor 3 on the CRT 2 with a finger or the like from among a plurality of transactions such as deposit, withdrawal, and balance inquiry displayed on the CRT 2 of the M body 1 (S1), Guidance associated with subsequent transaction operations is displayed on the CRT 2, and voice guidance is provided by a voice synthesizer (not shown) installed inside the ATM main body 1, so that the customer operates according to these guidances.

That is, the card is inserted into the card insertion / ejection port 4 (S2), and if the user has a passbook (S3), after inserting the passbook into the passbook insertion / ejection port 5 (S4), the personal identification number is set to CRT2. Input is made by touching the touch sensor 3 on the displayed keys such as numbers (S5). Next, the amount of money to be withdrawn is input from the touch sensor 3 by touching a key such as a number displayed on the CRT 2 (S6), and the amount displayed on the CRT 2 is confirmed and judged. (S7), if correct, CRT2
The confirmation button displayed in (S7) is touched on the touch sensor 3 if it is not correct (S9), and if it is correct (S9), the flow returns to S6 to input the correct amount again.

If the money is confirmed to be correct, the ATM
The main body 1 communicates with the host computer from the control unit, performs the processing necessary for the withdrawal transaction, and when this processing is completed and the card and the passbook are ejected from the respective insertion and ejection ports, the customer Is received from the card insertion / eject port 4, from the bankbook insertion / eject port 5 if there is a passbook (S10), and from the banknote insertion / receipt port 6 if coins are present, and from the coin insertion / receipt port 7 if coins are present. And (S1
1), the transaction ends.

[0008]

However, in the above-described conventional automatic transaction apparatus, when performing a transaction operation,
For example, the key input operation in withdrawal transaction is selection of transaction item, PIN input, amount input, amount confirmation, amount correction,
It is necessary to perform many input operations such as inputting the corrected amount,
There was a problem that the operation was complicated. Especially for visually impaired people with visual impairment, it is even more difficult to operate, and it is necessary to attach a braille display or braille plate for visually impaired people so that they can confirm it or use an earphone jack. Is provided so that key inputs such as personal identification number and amount can be confirmed with earphones and headphones. Even in an ATM equipped with such a function,
Withdrawal transactions still have to be performed according to the procedure described above, and it is necessary to perform many key inputs that would be troublesome for sighted persons, making it very difficult for visually impaired persons to use ATMs. There was a problem that.

The present invention has been made in order to solve the above-mentioned problems, and enables transactions without inputting a large number of keys that must be operated at the time of withdrawal transaction. The purpose of the present invention is to provide a device that enables a visually impaired person to easily perform withdrawal transactions, shorten transaction time by facilitating operations, and enable a high operating rate. is there.

[0010]

In order to achieve the above object, the present invention provides a card insertion / ejection slot for inserting and ejecting a card holding customer information, and a passbook insertion for inserting and ejecting a passbook. An outlet, a cash receiving port for receiving cash at the time of withdrawal transaction, a display unit for displaying operation procedures, and an input means for inputting transaction information according to the display of the display unit are provided on the customer operation surface of the device, and First, in an automatic transaction device in which a customer inserts a card owned by the customer through a card insertion / ejecting port and inputs predetermined customer information through an input means, thereby performing a withdrawal transaction process under the control of a control unit. , Withdrawal-only card is formed by adding specific information indicating that the card is exclusively for withdrawal, to the information holding portion of the card. Then, when the withdrawal-dedicated card is inserted into the device through the card insertion / ejection port, the control unit of the automatic transaction device determines whether the card is a withdrawal-only card based on the information read from the information holding unit of the card. If the card discriminating means for discriminating whether or not the card inserted by the card discriminating means is a withdrawal card and the personal identification number entered by the input means is correct, the customer With respect to each withdrawal-dedicated card, a withdrawal amount reading means for reading the corresponding withdrawal amount from a data file in which the withdrawal amount is stored once and stored, and a fixed amount read by this reading means Withdrawal instructing means for instructing the withdrawal processing of the withdrawal amount.

[0011]

According to the above-described structure, when the withdrawal transaction is performed using the withdrawal card, the customer inserts the withdrawal card into the card insertion / ejection port of the device, and the card is taken into the device. When the information stored in the information holding section is read by the reading means, the card discriminating means discriminates whether the card is a withdrawal-only card or an ordinary general card. Is displayed, the customer inputs his / her own personal identification number from the input means. When it is determined that the personal identification number is correct, the reading unit reads the information corresponding to the inserted card from the data file, that is, the amount of money set in advance for each card so that the card can be withdrawn by one operation. And the predetermined withdrawal operation is instructed by the withdrawal instruction means. In response to this instruction, the device starts the withdrawal operation and withdraws a fixed amount of withdrawal stored in the data file. When the cash is aligned with the cash receiving port by this operation, the customer receives the cash from here and the card with the updated information holding section from the card inserting / ejecting port, and the withdrawal transaction ends. That is, the customer's operations during the withdrawal transaction are only four operations of card insertion, password input, cash receipt, and card receipt, which facilitates operability and shortens the time.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a perspective view of an ATM main body according to the present invention, and FIG.
Is a flow chart showing the operation of the withdrawal transaction in the present embodiment, and FIG. 3 is an explanatory diagram showing an example of the recorded contents of the information holding part of the card used in the ATM main body. 1 and 3, 1 is an ATM main body, 2 is a CRT, 3 is a touch sensor, 4 is a card insertion / ejection port, 5 is a passbook insertion / ejection port, 6 is a bill insertion receiving port, and 7 is a currency insertion receiving port. Since these are almost the same as those described in the related art, the same reference numerals are given and the description thereof is omitted.

Reference numeral 8 denotes a ten-key pad and a correction key as an input means for a visually impaired person, which is provided on a part of a customer operation surface which is formed on the front surface of the ATM main body 1 so as to project substantially horizontally toward the customer side. By pressing the numeric keypad and the correction key 8, it is possible to input and correct numbers such as a personal identification number as in the case of inputting with the touch sensor 3 provided on the upper surface of the CRT 2. Reference numeral 9 denotes an earphone jack, which enables only the person who operates by connecting and wearing earphones or headphones to borrow the information from the staff to know the contents of the key input from the numeric keypad and the correction key 8 by voice. As a result, even visually impaired persons can easily perform transaction operations without making a mistake in key input. A braille plate (not shown) for guiding the operation of a visually impaired person is attached near the ten-key pad and the correction key 8 and the card insertion / ejection port 4.

Although not shown, a voice synthesizing device, a bill processing device, a coin processing device, etc. are installed inside the ATM main body 1, and a control unit 10 for controlling them is provided. Reference numeral 10 is connected to a host computer 12 via a line 11, and a data file 13 is connected to the host computer 12. The data file 13 is FDD or HD.
D is a recording medium such as an optical disc. Reference numeral 14 denotes a card discriminating means provided in the control unit 10, and the type of the card inserted through the card insertion / ejection port 4 can be used for various transactions such as deposit and withdrawal as well as balance inquiry and bookkeeping processing. It is determined whether the card is a general card or a withdrawal-only card in which transactions are limited to withdrawal as described later.

In the card discrimination means 14, 15
When it is determined that the card inserted into the device through the card insertion / ejection slot 4 is a withdrawal-only card, the corresponding data, that is, the inserted card, is drawn from the data stored in the data file 13. Reading means for reading the once stored withdrawal amount, 16 is the withdrawal amount of cash read by the reading means 15,
The card discriminating means 1 is a withdrawal instructing means for operating the cash processing device (not shown) to instruct a predetermined withdrawal processing.
Like the controller 4, the controller 10 is provided.

FIG. 3 shows an example of information recording of a card used in the ATM main body 1 having the above-mentioned structure. A part of the recorded contents of a general card is changed to a withdrawal-dedicated card 17. There is. This withdrawal card 17
The customer who intends to use the card notifies the card issuer such as a financial institution in advance and changes a card for withdrawal different from a general card from the magnetic stripe part, that is, a part of the recorded contents of the information holding part 18. Then it is issued. Here, although the recorded contents of the information holding unit 18 are different depending on each financial institution, for example, as shown in FIG. 3, a recording area 18a in which information in the information holding unit 18 can be recorded.
Is divided into a customer information area 18b in which each information such as an account number, a store number, and a customer name is sequentially recorded from one end side, and a spare area 18c in which no information is recorded. By using the area 18c to record specific identification information, the card 17 is dedicated to withdrawal.

When issuing the withdrawal card 17, the financial institution sets the personal identification number and the withdrawal amount for one time according to the customer's notification, and registers this in the data file 13 together with the account number and the store number. To do. Next, the operation when the customer makes a withdrawal transaction using this withdrawal card 17 will be described with reference to FIGS. 1 and 3 by adding the flowchart of FIG. First, if the customer has a withdrawal card 17, the CR
The withdrawal-dedicated card 17 is inserted into the card insertion / eject port 4 without performing the transaction item selecting operation displayed at T2.

The withdrawal-dedicated card 17 inserted into the ATM main body 1 is read by the information reading section (not shown) provided at the back of the card insertion / ejection port 4 from the information holding section. The information is sent to the card discriminating means 14 of the control unit 10, and in the card discriminating means 14, the inserted card is recorded in the spare area 18c of the information holding unit 17 as to whether the inserted card is a general card or a withdrawal-dedicated card 17. If the card discriminating means 14 discriminates the card inserted into the apparatus is not the withdrawal-dedicated card 17, the control unit 10 prompts the CRT 2 to select a transaction item, Make regular transactions. However, if it is determined here that the card is the withdrawal-only card 17, the control unit 10 directly shifts to the secret code input waiting state. Here, if the customer is a sighted person, the personal identification number is input from the touch sensor 3, but if the customer is a visually impaired person, it is generated only by the person after contacting the window and having earphones or headphones connected. An operation number is guided by the voice, and a personal identification number is input using the ten-key pad and the correction key 8.

The personal identification number input in this way and the information read from the information holding unit 18 by the reading unit are:
The reading means 15 sends the data from the control unit 10 to the host computer 12 via the line 11. The account number and the like are referred to as the data file 13 via the host computer 12 and input from the numeric keypad and the correction key 8 or the touch sensor 3. If it coincides with the PIN code, the one-time withdrawal amount (withdrawal amount) set and registered by the customer is read out and returned to the control unit 10 of the ATM main body 1. When the withdrawal amount is read and the information is sent to the control unit 10, the control unit 10 drives and controls the cash processing device or the like by the withdrawal instruction means 16 and starts the withdrawal operation of the corresponding amount. To do.

When the operation of dispensing the designated amount of money is completed and the banknote corresponding to the desired amount of money is delivered to the banknote insertion receiving port 6 or, if there is a coin, to the coin insertion receiving port 7, the card is inserted and ejected. The card inserted into the apparatus through the outlet 4 is returned to the card insertion / ejection port 4 after the information holding unit is updated. As a result, the customer first receives the card from the card insertion / ejection slot 4, then receives the banknotes from the respective bill insertion / receipt openings and the coin insertion / receipt opening, and if there is a coin, the withdrawal transaction processing is performed. finish. When the withdrawal transaction is carried out using the withdrawal card 17 as described above, the operations performed by the customer are as shown in FIG. 3, (1) insertion of the withdrawal card, (2) input of a personal identification number, and (3) If only four operations of card receipt and (4) cash receipt are performed, a certain amount of money will be withdrawn from the information recorded in advance. That is, the customer's input operation is only the customer's own personal identification number.

[0021]

As described above, according to the present invention, the customer inserts the card he / she owns from the card insertion / ejection slot and inputs predetermined customer information from the input means to control the control section. In an automatic transaction device capable of performing withdrawal transaction processing, first, specific information indicating that the withdrawal is exclusive is given to the information holding part of the card to form an exclusive withdrawal card, and From the information read from the information holding unit of the card when the withdrawal-only card is inserted into the device through the card insertion / exit port, to the control unit of the automatic transaction device that performs processing using the withdrawal-only card, Card discriminating means for discriminating whether or not the card is a withdrawal-only card, and a card inserted by the card discriminating means is discriminated as a withdrawal-only card, and is inputted by the input means. Withdrawal amount reading means for reading out the corresponding amount from a data file in which the withdrawal amount is set once by the customer and stored for one withdrawal amount when the personal identification number is judged to be correct. A withdrawal instructing means for instructing withdrawal processing of a fixed amount of money read by the reading means is provided.

For this reason, if the transaction processing is performed using a card for exclusive use of withdrawal, the operation is (1) insertion of the card,
(2) Enter your PIN, (3) Receive your card, and (4)
Only the receipt of cash is required, and only the personal identification number is required as the input operation by the key operation. Therefore, the operability is extremely easy, and it can be easily operated by not only sighted persons but also visually impaired persons. become. And since there is no need to enter the withdrawal amount and the troublesome key input operation such as confirmation or correction, the transaction time is shortened, the waiting time for the customer is reduced, and the service is improved. be able to. Furthermore, since the transaction time for one transaction is shortened, it is possible for financial institutions to improve the operation efficiency of the automatic transaction device. In addition, even if you withdraw a fixed amount of money each time, such as remittance of school resources, if you use this withdrawal card, you will be able to make sure that the amount is correct You can withdraw the amount.

[Brief description of drawings]

FIG. 1 is a perspective view of an ATM according to the present invention.

FIG. 2 is a flowchart showing an operation of a withdrawal transaction in this embodiment.

FIG. 3 is an explanatory diagram showing an example of recorded contents of an information holding unit of a card used in the ATM of FIG.

FIG. 4 is a perspective view of a conventional ATM.

FIG. 5 is a flowchart showing an example of a conventional operation by a customer when making a withdrawal transaction by the ATM shown in FIG.

[Explanation of symbols]

 1 ATM main body 4 Card insertion / ejecting port 6 Banknote input / receiving port 8 Numeric keypad and correction key 9 Earphone jack 10 Control unit 11 Line 12 Host computer 13 Data file 14 Card discriminating means 15 Read-out means 16 Withdrawal instruction means 17 Withdrawal-only card

Claims (1)

[Claims] 1. A card insertion and ejection slot for inserting and ejecting a card holding customer information, a passbook insertion and ejection slot for inserting and ejecting a passbook, and a cash receipt slot for receiving cash at the time of withdrawal transaction. A display section for displaying the operation procedure and an input means for inputting transaction information according to the display on the display section are provided on the customer operation side of the device, and the customer inserts a card owned by the customer through the card insertion / ejection slot. In the automatic transaction device that can perform withdrawal transaction processing under the control of the control unit by inputting predetermined customer information with the input means, specific information indicating exclusive use for withdrawal is stored in the card information. When a card for exclusive use of withdrawal is inserted into the device through the card insertion / ejection port, the card for exclusive use of withdrawal is formed from the information read from the information holding part of the card. , A card discriminating means for discriminating whether or not the card is a withdrawal-only card, and a card number discriminated by the card discriminating means as a withdrawal-only card and inputted by the input means. When it is determined to be correct, a withdrawal amount reading means for reading out the corresponding withdrawal amount from the data file in which the withdrawal amount is set once by the customer and storing the withdrawal amount once, An automatic transaction apparatus, wherein the control unit is provided with withdrawal instruction means for instructing withdrawal processing of a fixed withdrawal amount read by the reading means.