JPH0576678B2 - - Google Patents

Description

[Detailed Description of the Invention] Industrial Application Field This invention relates to an automated teller machine, and more particularly, an automated teller machine that requests confirmation from a customer if the billed amount to be paid is less than a certain amount. Regarding.

Conventional technology As is well known, banks and other financial institutions use ATMs (automated teller machines) to save labor at counter operations.
Automatic transaction devices such as CDs and automatic teller machines (CDs) are installed. Traditionally, customers use e.g.
When using a cash card to withdraw deposits, the procedure is as follows.

In other words, the customer first receives the cash card.
Insert it into the ATM, enter your PIN number, and then enter the billing amount data to be paid. The ATM then determines whether the PIN number has been entered correctly, and if so, sends the input information to the connected host computer via the line. The host computer determines whether payment is possible or not, and if payment is possible, sends a payment authorization message to the ATM. When the ATM receives the message sent from the host computer, it dispenses cash.

Problems to be solved by the invention By the way, in the conventional automated teller machine,
For example, if the customer attempts to pay out ``10,000 yen'' but forgets to input the key indicating the unit of ``10,000'', the withdrawal will be ``1 yen.'' Once the withdrawal process is completed, the operation cannot be canceled and the customer must start the operation all over again.

This not only makes the operation cumbersome, but also may cause trouble to other customers waiting behind you.

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide an automatic teller machine that requests confirmation of the billed amount when the billed amount is less than a certain amount, and performs the payout process only when confirmation is confirmed.

Means for Solving the Problems The automatic teller machine of the present invention includes an input means for inputting amount data of a disbursement request, and an input means for inputting amount data of a payout request, and a check whether or not the amount data inputted from the input means is less than a certain amount. A means for determining, and when the determining means determines that the amount is less than a certain amount, a means for notifying the customer that the billing amount should be confirmed, and a means for instructing that the billing amount data entered from the input means is correct. and a means for paying out an amount based on input billed amount data in response to the operation of the confirmation key.

Further, the above-mentioned automated teller machine may be provided with a cancellation key for instructing cancellation of the billed amount, and when the cancellation key is operated, the billed amount may be input again.

Function: In this invention, it is determined whether the billed amount data input by the customer is less than a certain amount, and if it is less than the certain amount, confirmation is requested from the customer, and payment is made only when confirmation is confirmed.

Embodiment FIG. 2 is an external perspective view of an automatic teller machine to which an embodiment of the present invention is applied. In Figure 2, the vertical panel surface of the ATM 1 includes a card insertion hole 2, a passbook insertion hole 3, a handling display 4, and a call button 5.
and is provided. Card insertion hole 2 is for inserting a cash card, and passbook insertion hole 3 is for inserting a cash card.
is for inserting a bankbook. The handling display 4 displays whether or not the ATM 1 can be used. The call button 5 is operated when calling a staff member.

A banknote receiving slot 6, a coin receiving slot 7, and a display 8 are provided on the horizontal panel surface of the ATM 1. The banknote receiving slot 6 is used to insert banknotes when making a deposit and to dispense the banknotes when making a payment. The coin receiving slot 7 is for dispensing coins to be paid. The display 8 instructs the customer to insert a cash card and input a personal identification number.

A touch panel 9 is provided on the display screen of the display device 8, and by touching the touch panel 9, it is possible to enter a personal identification number and the billed amount, and to confirm or cancel the billed amount.

Furthermore, the ATM 1 is provided with an attendant key 10. This staff key 10 is operated by a staff member when performing maintenance and inspection work on the ATM 1.

FIG. 3 is a schematic block diagram showing the electrical configuration of the ATM shown in FIG. 2. Next, the electrical configuration of the ATM 1 will be explained with reference to FIG.

A ROM 12, a RAM 13, and an interface 14 are connected to the CPU 11. As shown in Figure 1, the ROM12 will be explained in detail later.
An operating program for the CPU 11 is stored. RAM
Reference numeral 13 includes a storage area for storing data input from the touch panel 9 and a card reader 15, which will be described later. The above-mentioned display 8 and touch panel 9
is connected to the interface 14. Further, a card reader 15 , a bankbook printer 16 , and a slip processing section 17 are connected to the interface 14 .
The card reader 15 is used to read a personal identification number, account number, etc. from a card inserted through the card insertion hole 2. The passbook printer 16 is for printing data on a passbook. Slip processing section 17
includes a printer that prints data on a slip and a mechanism that releases the printed slip.

Furthermore, the interface 14 is connected to a banknote processing section 18 , a coin processing section 19 , a communication processing section 20 , and a floppy disk 21 . The banknote processing section 18 transports and discriminates banknotes, and controls opening and closing of the banknote receiving slot 6. The coin processing unit 19 transports coins, distinguishes denominations, and controls opening and closing of the coin receiving slot 7. The communication processing section 20 is connected to a host computer of a financial institution via a communication line, and exchanges information such as transaction data with the host computer.
The floppy disk 21 stores the details of transactions.

4 and 5 are diagrams showing the display screen and touch panel displayed on the display 8 shown in FIG. 2. FIG.

First, FIG. 4 is a diagram showing screen A, which is the content for instructing input of the billing amount. Screen A provides guidance for inputting the billing amount. The touch panel also has a numeric keypad 91 for inputting billed amount data, a 10,000 key 92 for specifying units of 1,000, a 1,000 key 93 for specifying units of 1,000, a yen key 94 for specifying the break between input amount data, and a yen key 94 for inputting input amount data. It includes a correction key 95 for instructing correction and a cancellation key 96 for instructing cancellation.

FIG. 5 is a diagram showing screen B, which is the content for instructing confirmation of input billing amount data. Screen B displays the billing amount input by the customer. The customer can cancel or confirm this amount using a cancellation key 97 or confirmation key 98 configured on the screen.

FIG. 1 is a flow diagram for explaining the operation of one embodiment of the present invention. Next, Figures 1 to 5
The operation of an embodiment of the present invention will be described in detail with reference to the drawings.

When a customer inserts a cash card into the card insertion hole 2 of the ATM 1, the card reader 15 reads data from the cash card in step S1 (abbreviated as S1 in the drawing). Card reader 15
The data it reads is data such as PIN numbers and account numbers. Next, in step S2, the customer inputs a password from the touch panel 9. In step S3, the CPU 11 displays screen A shown in FIG. 4 on the display 8. Next, the customer operates the input keys displayed on screen A to input the amount to be billed. The amount of money may be entered only from the numeric keypad 91, but may also be entered using a combination of the numeric keypad 91 and the 10,000 key 92 or 1,000 key 93. Here, if you wish to cancel the transaction, you can touch the cancellation key 96. Then, the process advances from step S4 to step S14, where the card is returned and the operation is completed. If the customer operates a key other than the cancel key 96, the CPU 11 determines whether the input data is amount data in step S5, and if the correction key 95 is touched, for example, the CPU 11 inputs the amount data again. It is becoming possible to do so. In step S6,
CPU11 input amount data is a fixed amount,
For example, it is determined whether the amount is less than "1,000 yen."
This is because if the input amount is less than 1,000 yen, for example, there is a high possibility that the customer forgot to input the 1,000 yen key 92 or 1,000 key 93, so if the amount is less than ``1,000 yen'', the customer is asked to confirm. For this reason, the steps
In S6, if the CPU 11 determines that the amount is above a certain amount, the process proceeds to step S10, where the payout process is performed, but if it determines that the amount is less than the certain amount, the process proceeds to step S7, and screen B shown in FIG. 5 is displayed. , we will ask the customer for confirmation.

Here, it is assumed that the CPU 11 determines that the amount is less than "1,000 yen". The customer looks at the amount displayed on screen B, checks whether there are any input errors, and if there is an input error, the customer can touch the cancel key 97. Then, step S8 to step S3
Then, the CPU 11 displays screen A, so you can enter the amount data again.

On the other hand, if there is no error in the amount displayed on screen B, the confirmation key 98 may be touched. Then,
The process advances from step S9 to step S10, and the CPU 11 performs normal cash dispensing processing from step S10 onwards. In the payout process, first, the CPU 11 calls the host computer of the center from the communication processing section 20 via the communication line, and transmits the input transaction data to the center. Next, in step S10, the center updates the file based on the transaction data. When the CPU 11 receives the payout permission message from the center, in step S11,
The slip is printed and then the cash is released in step S12. Next, the CPU 11 performs step S13.
The printed slip is ejected at step S14, and the cash card is returned at step S14, thereby terminating the operation.

Effects of the Invention As described above, according to this invention, if the payout request amount data entered by the customer is less than a certain amount, confirmation is automatically requested to see if there are any input errors, and only when the customer confirms the payout request amount data is Since the processing is performed, unnecessary transactions due to input errors in payout request amount data are eliminated. This makes it possible to both prevent erroneous transactions and shorten operation time, and furthermore, it becomes easier to operate in the event of an input error, and there is no need to inconvenience customers waiting in the back.

[Brief explanation of drawings]

FIG. 1 is a flow diagram for explaining the operation of an embodiment of the present invention. FIG. 2 is an external perspective view of an automatic teller machine to which an embodiment of the present invention is applied. FIG. 3 is a schematic block diagram showing the electrical configuration of an automatic teller machine to which the present invention is applied. 4 and 5 are diagrams showing display screens displayed on the display 8 shown in FIG. 2. In the figure, 1 is an automatic teller machine, 9 is a touch panel, 11 is a CPU, 91 is a numeric keypad, and 9 is a touch panel.
2 is the 10,000 key, 93 is the 1,000 key, 97 is the cancel key, 9
8 indicates a confirmation key.

Claims (1)

[Scope of Claims] 1. An automated teller machine capable of dispensing at least the amount requested by a customer, comprising: input means for inputting billed amount data; and said bill inputted from said input means. means for determining whether or not the amount data is less than a certain amount; and means for notifying the customer that the billed amount should be confirmed when the determining means determines that the amount is less than the certain amount. a confirmation key for instructing that the billing amount data inputted from the input means is correct; and means for dispensing an amount based on the inputted billing amount data in response to the operation of the confirmation key. An automated teller machine equipped with 2. The device is characterized by comprising a cancellation key for instructing cancellation of the billed amount, and in response to the operation of the cancellation key, it is possible to input the billed amount data again from the input means. An automated teller machine according to claim 1.