JPH06290331A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To provide an automatic teller machine which can shorten the time needed for transactions of payment and also can reduce the burdens on customers. CONSTITUTION:A customer identifying medium 23 is provided with a paid amount information storing part 24 where the past paid amount information on each customer is stored. When a customer puts the medium 23 into an automatic teller machine 20, a customer information control part 21 reads the paid amount information and shows this information on the screen of a customer operating part 2 so that each information serves as a selection key. When the customer designates a specific selection key, a payment control part 22 performs an operation of payment based on the paid amount shown by the designated selection key. On the other hand, when the customer does not designate any selection key and inputs the paid amount by means of the digit keys, the part 21 updates the paid amount information with the input amount.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like, and more particularly to a method for paying deposits and savings thereof.

[0002]

2. Description of the Related Art Today, an automatic transaction apparatus is installed in a business institution of a financial institution or the like, and is operated during business hours and after business hours of a financial period. And by installing such an automatic transaction device, we realized labor saving of the window work of financial institutions,
At the same time, services are being improved for users by operating outside of business hours and outside of sales offices.

FIG. 2 is a block diagram of such a conventional automatic transaction apparatus. The automatic transaction device 100 shown in the figure includes a control unit 1,
Customer operation unit 2, voice guidance unit 3, card reading / writing unit 4, statement slip printing unit 5, journal printing unit 6, passbook reading printing unit 7, banknote deposit / withdrawal unit 8, coin deposit / withdrawal unit 9, clerk operation unit 1
0, a hard disk drive 11, a floppy disk drive 12, a power supply 13, and a timer 14, and this automatic transaction device 100 is connected to a host device (or modem) 15.

The control unit 1 controls the automatic transaction device 100, controls each unit in the device, and controls data transmission / reception with a host device 15 such as a host computer. The customer operation unit 2 includes a CRT screen, a keyboard, a so-called touch key provided on the CRT screen, and the like, and a display unit and an information input unit necessary for the customer to perform various transactions. Also, the voice guidance unit 3
Is a device that guides operations to a customer and provides various information by voice. The card reading / writing unit 4 reads the magnetic data of the magnetic stripe of the cash card inserted by the customer, transfers the read contents to the control unit 1, or the magnetic data of the cash card is instructed by the control unit 1. It has the function of updating.

The statement slip printing section 5 is a section for printing transaction details on a sheet and providing it to the customer. The journal printing unit 6 prints a journal, which is necessary for the financial institution side to record and store the transaction contents, on a sheet similarly to the statement slip printing unit 5. In the passbook transaction, the passbook reading / printing unit 7 processes the magnetic data of the magnetic stripe provided on the front cover or the back cover of the passbook in the same manner as the card reading / writing unit 4, or according to an instruction from the control unit 1, present or It has a function to record the contents of past transactions. The bill depositing / dispensing unit 8 and the coin depositing / dispensing unit 9 each include a storage unit for bills and coins, and when cash deposit (deposit) transactions are performed, the cash deposited by the customer is counted and stored in the storage unit, and The control unit 1 is notified of the counting result, and on the other hand, at the time of withdrawal (payment) transaction, the amount instructed by the control unit 1 is output from the storage unit and paid to the customer.

The clerk operation unit 10 allows the clerk or maintenance staff of a financial institution to check the state of the apparatus, perform the restoration operation of the apparatus, or perform transaction for a certain period during maintenance of the apparatus or occurrence of a failure. This is a part provided with an operation means and a display means for obtaining information such as a liquid crystal display and a key switch in case of scrutinizing. The hard disk drive unit 11 and the floppy disk drive unit 12 are devices for reading / writing data and the like from the hard disk and the floppy disk, respectively. Power supply 1
3 is the customer operation unit 2 to the floppy disk drive unit 12
Is a power supply unit that supplies the electric power necessary for its operation by converting the commercial power supply to each mechanism unit and the control unit 1, and the timer 14 can operate / stop the power supply function. ing.

Next, the operation of the automatic transaction device 100 having the above configuration will be described. FIG. 3 is a flowchart of a customer operation of a deposit / withdrawal transaction in the automatic transaction device. When a customer withdraws savings and deposits, first the CRT of the customer operation unit 2
Withdrawal is selected as a transaction item selection from a screen or the like (step S1). As a result, the automatic transaction apparatus 100 prompts the customer to insert the cash card or passbook of the customer through the customer operation unit 2 and the voice guidance unit 3, and the customer inserts the cash card (step S2). The customer who uses the passbook inserts the passbook (step S3).

When a cash card is inserted by the customer in step S2, the card reading / writing unit 4 reads the magnetic information recorded on the magnetic stripe of the cash card, and notifies the control unit 1 of this. If the passbook is inserted by the customer in step S3,
The passbook reading / printing unit 7 reads various kinds of information of the passbook and notifies the control unit 1 of this. After that, the control unit 1 urges the customer operating unit 2 or the voice guiding unit 3 to input a personal identification number, and when the customer inputs the personal identification number from the customer operating unit 2 (step S4), it is verified whether or not this is correct. If it is correct, move to the next process.

When the personal identification number entered in step S4 is correct, the control unit 1 of the automatic transaction device 100 communicates with the host device 15 in which data such as the customer's deposit amount and past transaction details are stored. When the customer selects the withdrawal after the balance inquiry in step S1, the deposit balance of the customer is displayed on the CRT screen of the customer operation unit 2 (step S5). When the customer recognizes the balance and continues the transaction (payment process), the confirmation key is pressed and the automatic transaction device 100 waits for the key input of the payment amount. Then, the customer inputs the withdrawal amount by pressing the desired ten-key (numeric key) or the like (step S6).

When the withdrawal amount is input, the automatic transaction device 1
00 displays the input amount of money, confirms with the customer, and when the confirmation key is pressed, the payment process of the amount is performed. That is, in this payment process, the statement slip of the transaction content is printed (in the case of transaction by cash card) or the passbook is printed, and in the case of transaction by the cash card, the statement or passbook is discharged together with the card, and the customer The statement slip or passbook is received (step S7).
At the same time, the automatic transaction device 100 takes out cash from the bill depositing / dispensing section 8 or the coin depositing / dispensing section 9, discharges it, and the customer receives the cash (step S8).

[0011]

In the above-described conventional automatic transaction apparatus, when the customer performs a withdrawal operation, he / she inputs a withdrawal amount each time and conducts a transaction. However, some customers often withdraw a fixed amount of money due to customs or duties. However, even in such a case, the customer has to perform the operation of pressing the money key a plurality of times each time as in the normal withdrawal operation, which is extremely wasteful time and effort for the customer. However, there was a problem in that it was a request, and moreover, an error in inputting the amount of money is likely to occur.

Further, even for the financial period side having the automatic transaction apparatus 100 installed, especially in the automatic transaction apparatus 100 installed in a store or the like which is crowded all day long, the device usage time per customer becomes long. However, there is a problem in that the number of transactions that can be processed is limited and that the waiting time of the automatic transaction device 100 is long, which leads to a negative image of the customer.

The present invention has been made in order to solve the above-mentioned conventional problems, and simplifies the processing for a customer who pays a fixed amount, and can increase the number of transactions per automatic transaction device, and It is an object of the present invention to provide an automatic transaction device capable of improving the service of.

[0014]

The automatic transaction apparatus of the first aspect of the present invention identifies the customer in the automatic transaction apparatus that accesses the account of the center and pays the deposit and savings by the operation of the customer. Customer identification medium for storing the past payment amount information of the customer, and when the customer identification medium is inserted, the customer who reads the past payment amount information of the customer and displays the payment amount information as a selection key An information control unit and a payment control unit that executes a payment operation for the payment amount when the selection key for the payment amount information is selected are provided.

The automatic transaction apparatus of the second invention is an automatic transaction apparatus that accesses the account of the center and pays the deposit and savings by the operation of the customer. The automatic transaction apparatus is predetermined in addition to the customer identification medium for identifying the customer. When the fixed amount payment information storage medium storing the fixed amount payment information and the payment amount information storage medium are inserted, the customer information control unit for extracting the payment amount information and the customer information control unit are taken out. And a payment control unit that executes a payment operation based on the payment amount.

[0016]

In the automatic transaction apparatus of the first invention, when the customer inserts a cash card as a customer identification medium into the automatic transaction apparatus, the customer information control unit of the automatic transaction apparatus is
The payment amount information stored in the magnetic stripe portion of the cash card is read. Then, the customer information control unit displays the read payment amount information on the customer operation unit as selection keys. Thereby, when the customer specifies a specific selection key, the payment control unit performs the payment operation with the payment amount of this selection key. On the other hand, the customer does not specify the selection key,
When inputting the payment amount with the number keys, the customer information control unit erases the oldest data in the payment amount information,
The data entered this time is stored and the cash card is returned to the customer.

In the automatic transaction apparatus of the second invention, when the customer intends to withdraw a fixed amount, a fixed amount payment information storage medium is inserted into the automatic transaction apparatus together with a customer identification medium such as a cash card. When the fixed amount payment information storage medium is inserted into the automatic transaction device, the customer information control unit reads the fixed amount payment amount information and notifies the payment control unit of this amount. The payment control unit executes the payment operation with the amount of money notified by the customer information control unit. On the other hand, if the customer does not insert the flat-rate payment information storage medium and the customer specifies the withdrawal amount using the numeric keys, the payment control unit issues the flat-rate payment information storage medium of this payment amount after the payment operation is completed. Let the customer choose what to do. Then, when the customer selects to issue, the customer information control unit issues the fixed amount payment information storage medium of the amount.

[0018]

Embodiments of the present invention will now be described in detail with reference to the drawings. << First Embodiment >> FIG. 1 is a configuration diagram showing a first embodiment of an automatic transaction device 200 of the present invention. Automatic transaction device 2 in the figure
00 has a customer information control unit 21 and a payment control unit 22, and by inserting the customer identification medium 23 into the automatic transaction device 200, the withdrawal amount can be designated by the past payment amount information of the customer. It is like this. Further, since the internal configuration of the automatic transaction device 200 is the same as that of the automatic transaction device 100 shown in FIG. 2, description thereof will be omitted here.

The customer information control unit 21 includes an automatic transaction device 20.
When the customer identification medium 23 is inserted by a customer who uses 0, the past payment amount information recorded in the customer identification medium 23 is read, and the payment amount information is used as a selection key for the customer operation unit 2. It has the function of displaying on the CRT screen and also has the function of updating the payment amount information.
The customer information control unit 21 is mainly configured by the card reading / writing unit 4 (or the passbook reading / printing unit 7) and the control unit 1 when it corresponds to the configuration of the automatic transaction device 100 shown in FIG. There is something.

The payment control unit 22 is a CRT of the customer operation unit 2.
When the customer selects a specific payment amount from the past several payment amounts shown as a selection key on the screen, the payment amount is used to access the center and perform the payment operation of the specified amount. 2 is provided with a control function, and the configuration of the automatic transaction device 100 of FIG. 2 corresponds to the control unit 1, the statement slip printing unit 5, the passbook reading printing unit 7, the banknote deposit / withdrawal unit 8, the coin deposit / withdrawal unit 9, and the like. The customer identification medium 23 is a medium for identifying a customer, and is composed of a cash card or a passbook, and the figure shows the case of a cash card (hereinafter, the customer identification medium 23 will be described as a cash card). And
The magnetic stripe portion of the customer identification medium 23 serves as the payment amount information storage unit 24, and the payment amount information of the past several payment amounts is stored.

FIG. 4 is a diagram showing a data format of the payment amount information storage unit 24. On the magnetic stripe of the cash card or passbook, the identification code of the branch or the like the customer is dealing with, the customer's account number, etc. are stored as magnetic data. Therefore, a payment amount data area as shown in FIG. 4 is provided in the same data area as this information and in a data area different from these information.

This payment amount data area can store payment amount information for x cases, and each payment amount information is tenth and one place in the unit of ten thousand yen and tenth and one place in the unit of thousand yen. It is the number for 4 addresses. That is, the addresses of the xth data are {4 (x-1) +1} to {4 (x-1) +4}. In addition, when the tenth place is designated in the unit of 1,000 yen, the number of 1000 yen tickets is shown. Further, the address "0" is a data pointer indicating the leading address of the oldest data in the x payment amount information.

Next, the operation of the first embodiment will be described. FIG. 5 is a flowchart of a deposit and savings payment transaction of the automatic transaction device 200. If the customer withdraws savings,
Withdrawal is selected in the transaction type selection of the automatic transaction device 200. The flowchart shown in the figure shows the operation after the withdrawal is selected in this transaction item selection. When the customer selects the payment transaction, the automatic transaction device 200 waits for the insertion of the cash card (or cash card and passbook) as the customer identification medium 23 (step S).
1). After that, when the customer inserts the customer identification medium 23, the card reading / writing unit 4 and the passbook reading / printing unit 7 of the automatic transaction device 200 read the customer information such as the customer's account number and the customer information control unit 21. Reads the payment amount data from the payment amount information storage unit 24 (step S2).

After that, the payment control unit 22 displays the input instruction of the personal identification number on the CRT screen of the customer operation unit 2 (step S
3) Then, when the customer inputs the personal identification number, the payment control unit 22 performs the personal identification number collation processing (step S4).
As described in the related art, this personal identification number matching process is a process of determining whether or not the input personal identification number is correct. However, since this process is already known, detailed description is omitted. Then, the next process will be described assuming that the personal identification number is correct as a result of collation of the personal identification number in step S4. When the personal identification number verification in step S4 is completed, the customer information control unit 21 displays the past payment information read in step S2 on the CRT screen of the customer operation unit 2 (step S5). Since the payment amount information storage unit 24 stores the payment amount information of several past payment amounts, all of them are displayed.

On this display screen, as shown in FIG. 1, each of the selection keys 2 has a past payment amount.
5 (keys A, B, C, D, ...), ten keys (numerical keys) 26, a designated amount of money, a confirmation key, a cancel key and the like are displayed. In this way, the withdrawal amount in the past is selected with the selection key 25.
When the desired withdrawal amount is in the selection key 25, the customer presses the selection key 25. On the other hand, the desired withdrawal amount is the selection key 2
If it is not indicated as 5, the amount is input by the ten keys 26. When the customer specifies the payment amount with the selection key 25 (step S6), the payment control unit 2
2 performs the payment processing of this payment amount (step S
7). That is, the payment amount is accessed to the center, the cash payment is discharged, the cash card and the passbook are returned, and the payment transaction processing is ended.

Further, in step S6, when the customer specifies the payment amount with the ten-key pad 26, the payment control unit 22 performs the payment transaction processing with the input payment amount (step S8). That is, the processing in this case is similar to the conventional one. After that, the customer information control unit 21 updates the payment amount data. As for this update processing, first,
The data in the area pointed to by the data pointer is rewritten to the payment amount processed in step S8 (step S9).
Next, the data pointer value N is set to N + 4 (step S
10). That is, the initial value of the data pointer value N is "1", and therefore the oldest data is sequentially counted up as data [1], [2], ..., [X].

When the data pointer value is updated in step S10, the data pointer value N becomes 4 (x-
1) It is determined whether it is larger than +1 (step S11), N
If it is> 4 (x-1) +1, the data pointer value N is returned to the initial value "1" (step S12) and the payment process is ended. Otherwise, the data pointer value is left as it is and the processing is ended. To do. That is, when the data pointer value exceeds the xth value, that value is returned to the initial value.

In this way, when the customer specifies the withdrawal amount using the ten-key pad 26, the data is stored as new amount of payment data instead of the oldest amount of payment data. The latest information is always stored and can be used effectively at the next withdrawal. In the above embodiment, the past payment amount data is set to the number of 10,000 yen tickets and 1,000 yen tickets, but if the capacity of the data area of the payment amount information storage unit 24 is large, the data is up to 1 yen. It is also possible.

<Second Embodiment> FIG. 6 is a block diagram showing a second embodiment of the automatic transaction apparatus of the present invention. The automated teller machine 300 in the figure includes a customer information control unit 31 and a payment control unit 32.
And the customer identification medium 3 in the automatic transaction device 300.
By inserting a flat-rate payment information storage medium 34 (hereinafter referred to as a flat-rate withdrawal card), which is different from 3, from the customer, the flat-rate payment of the customer can be made. Further, since the internal configuration of the automatic transaction device 400 is the same as that of the automatic transaction device 100 shown in FIG. 2, description thereof will be omitted here.

The customer information control unit 31 uses the automatic transaction device 30.
When the customer identification medium 33 is inserted by a customer who uses 0, the customer information such as the account number recorded in the customer identification medium 33 is read, and the fixed amount payment information storage medium (hereinafter, fixed amount withdrawal card When a fixed amount payment card 34 is inserted, the fixed amount payment card 34 has a function of reading the fixed amount payment information recorded in the fixed amount withdrawal card 34. In addition, the customer information control unit 31 uses a fixed amount withdrawal card 34 of a new amount, which will be described later.
Has the function of issuing. The customer information control unit 31 is mainly configured by the card reading / writing unit 4 (or the passbook reading / printing unit 7) and the control unit 1 when it corresponds to the configuration of the automatic transaction device 100 shown in FIG. It is what

In the case of the fixed amount payment transaction processing, the payment control unit 32 receives the payment amount information from the customer information control unit 31,
Based on this payment amount information, access to the center,
The automatic transaction apparatus 100 of FIG. 2 has a payment control function of performing the payment operation of the amount of money, and in the configuration of the automatic transaction device 100, as in the first embodiment, the control unit 1, the statement slip printing unit 5, the passbook reading printing unit. 7, a banknote deposit / withdrawal unit 8, a coin deposit / withdrawal unit 9, and the like.

The customer identifying medium 33 is a medium for identifying a customer, and is composed of a cash card or a passbook, and the cash card is shown in the figure. The customer identification medium 23 (which will be described as a cash card here) has a magnetic stripe portion in which, as customer information, an identification code of a branch of a savings account and an account number are stored as magnetic information. The fixed amount withdrawal card 34 has a magnetic stripe portion like the customer identification medium 33, and the fixed payment amount is stored in the magnetic stripe portion as magnetic information. Since the fixed amount withdrawal card 34 is data for one payment amount information, it is possible to store not only the unit of one million yen but also the unit of one yen.

Next, the payment operation of the automatic transaction device 300 configured as described above will be described. FIG. 7 is a flowchart thereof. Note that this flowchart also shows the operation after the customer selects withdrawal of deposits and savings, as in the first embodiment. Once the payment transaction is selected by the customer,
The automatic transaction device 200 waits for insertion of the cash card or cash card as the customer identification medium 33 and the passbook or the fixed amount withdrawal card 34 (step S1).

When the customer inserts the fixed amount withdrawal card 34 together with the customer identification medium 33, the customer information control unit 31 reads the customer information such as the account number from the customer identification medium 33, and the fixed amount withdrawal card. The payment amount information is read from 34 (step S2). Then, the payment control unit 32
Displays an instruction to input a personal identification number on the CRT screen of the customer operation unit 2 (step S3). After that, when the customer inputs the personal identification number, the payment control unit 32 performs the personal identification number verification process (step S4). The process relating to the personal identification number in these steps S3 and S4 is the same as the step S in the first embodiment.
3 and S4.

When the PIN verification in step S4 is completed, the payment control unit 32, if the payment transaction is the fixed amount withdrawal card 34 (step S5), the payment transaction is performed with the amount recorded in the fixed amount withdrawal card 34. The process is performed (step S6), and the deposit / payment payment transaction process ends. That is, the designated cash is discharged, and the inserted customer identification medium 33, fixed amount withdrawal card 34, etc. are returned. On the other hand, in step S5, when the payment transaction processing is not performed by the fixed amount withdrawal card 34, that is, when the number is designated by the number keys of the customer operation unit 2, the payment control unit 32 accesses the center with the designated amount, Payment transaction processing is performed (step S7).

Along with this, the payment control unit 32 confirms whether or not this amount is the issue amount of the fixed amount withdrawal card 34 (step S8), and if the customer selects the issuance of the fixed amount withdrawal card 34, the customer information The control unit 31 performs a process of issuing a new fixed amount withdrawal card 34 (step S9), and ends the deposit and savings payment transaction. In addition, the customer has a fixed-price withdrawal card 3
If the customer does not wish to issue No. 4, the deposit and savings payment processing is ended as it is. In each of the above embodiments, the payment amount information is magnetic information, but the information is not limited to this and may be, for example, an optically readable information record.

[0037]

As described above, according to the automatic transaction apparatus of the first invention, the past payment amount information of the customer is stored in the customer identifying medium, and the customer identifying medium is inserted from the customer. In the case of payment, the past payment amount information is read and displayed as a selection key so that the customer can specify the withdrawal amount with this selection key. It is possible to reduce the burden on the customer.

Further, according to the automatic transaction apparatus of the second invention, a fixed amount payment information storage medium in which fixed amount payment amount information is stored in advance is prepared separately from the customer identification medium, and from this fixed amount payment information storage medium. Since the fixed amount payment information is used to execute the fixed amount payment information, in the case of the fixed amount payment, the time and the burden on the customer can be further reduced as compared with the first invention.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing a first embodiment of an automatic transaction device of the present invention.

FIG. 2 is a block diagram showing a configuration of a general automatic transaction device.

FIG. 3 is a flowchart of customer operations for deposit / withdrawal transactions in a conventional automatic transaction device.

FIG. 4 is an explanatory diagram of a payment amount data format in the first embodiment of the automatic transaction device of the present invention.

FIG. 5 is a flowchart of a deposit and savings payment transaction in the first embodiment of the automatic transaction device of the present invention.

FIG. 6 is a configuration diagram of a second embodiment of the automatic transaction device of the present invention.

FIG. 7 is a flowchart of a deposit / payment payment transaction in the second embodiment of the automatic transaction device of the present invention.

[Explanation of symbols]

 2 Customer operation unit 21, 31 Customer information control unit 22, 32 Payment control unit 23, 33 Customer identification medium 24 Payment amount information storage unit 34 Fixed amount payment information storage medium (fixed amount withdrawal card) 100, 200, 300 Automatic transaction device

Claims (2)

[Claims] 1. A customer identification medium for identifying a customer and storing past payment amount information of the customer in an automatic transaction apparatus that accesses a center account and pays deposits and savings by an operation of the customer. When the customer identification medium is inserted, the customer information control unit that reads the past payment amount information of the customer and displays the payment amount information as a selection key, and the selection key of the payment amount information is An automatic transaction device comprising: a payment control unit that executes a payment operation of the payment amount when selected. 2. An automatic transaction device for accessing an account of a center and paying deposits and savings according to an operation by a customer. In addition to a customer identifying medium for identifying a customer, a predetermined fixed amount of payment amount information. And a fixed amount payment information storage medium storing the payment amount information storage medium, when the payment amount information storage medium is inserted, a customer information control unit for extracting the payment amount information, and a payment operation based on the payment amount retrieved by the customer information control unit. An automatic transaction device, comprising: a payment control unit for executing the payment.