JPH07319979A - Automatic transaction equipment - Google Patents

Abstract

(57) [Summary] [Purpose] To provide an automatic transaction device capable of smoothly and easily performing a transfer transaction, improving operability, and reducing transaction time as compared with the conventional one. [Structure] When it is determined that a change will occur as a result of the cash insertion process of inserting, counting, and confirming cash, whether the change is to be deposited in the account or to be paid out in cash on the display screen of the CRT display device 5. A change deposit selection screen for making a selection is displayed.

Description

Detailed Description of the Invention

[0001]

The present invention relates to a financial institution, etc.
The present invention relates to an automatic transaction device used for various transactions.

[0002]

2. Description of the Related Art Conventionally, automatic transaction apparatuses have been used for withdrawing and depositing deposits or transferring deposits at financial institutions.

In the transfer transaction in such an automatic transaction device, it takes time to input the name of the client and the transfer destination, the telephone number, the bank and branch of the transfer destination, the account number and the like. Therefore, issue an information recording medium for transfer transactions that records these input information, so-called transfer tickets, transfer passbooks, etc., and in the next transfer transaction, it will be necessary from this transfer ticket, transfer passbook, etc. There are also many automatic transaction devices that are configured to read information and make transfer transactions.

[0004] By the way, in the case of a transfer transaction, a transfer fee and a consumption tax for this transfer fee are required depending on the account of the transfer destination. For this reason, in the case of a cash transfer transaction, a change (change) is often generated for the inserted cash, and such a change is paid out by a coin or the like.

[0005]

However, in the above-mentioned conventional automatic transaction apparatus, there is a problem that it takes time to pay out the change with coins, and it is easy to forget to take out the coins. Furthermore, depending on the user,
In some cases, you may not like the change to increase the amount of change.

The present invention has been made in response to such a conventional situation, and it is possible to carry out a transfer transaction smoothly and easily as compared with the prior art, and to improve the operability and reduce the transaction time. It is intended to provide an automatic transaction device.

[0007]

That is, the automatic transaction apparatus of the present invention according to claim 1 is an automatic transaction apparatus capable of executing a transfer transaction in accordance with the transfer information read from the transfer transaction information recording medium. Then, when a change occurs with respect to the deposited cash, a selecting means for selecting whether or not to deposit the change into a predetermined account, and the selecting means causes the change to be transferred to a predetermined account. When it is selected to deposit, it is characterized by further comprising processing means for reading out account information relating to the predetermined account from the transfer transaction information recording medium and executing deposit processing for the change according to the account information.

Further, the automatic transaction device of the present invention according to claim 2 is an automatic transaction device capable of executing a transfer transaction in accordance with the input transfer information, and a change is made to the inserted cash. When it occurs, a selecting means for selecting whether or not to deposit the change into a predetermined account, and when the selecting means selects to deposit the change into the predetermined account, an account information recording medium And a processing unit that reads out account information related to the predetermined account from the account information recording medium and executes deposit processing for the change according to the account information. And

The automatic transaction apparatus of the present invention according to claim 3 is an automatic transaction apparatus capable of executing a transfer transaction in accordance with the input transfer information and the transfer information read from the transfer transaction information recording medium. Then, when a change occurs with respect to the deposited cash, a selecting means for selecting whether or not to deposit the change into a predetermined account, and the selecting means causes the change to be transferred to a predetermined account. When it is selected to deposit, display means for executing a display prompting the insertion of the account information recording medium, and account information relating to the predetermined account from the account information recording medium, and depositing the change according to the account information. Processing means for executing
And a registration unit for registering the account information read from the account information recording medium in the transfer transaction information recording medium.

[0010]

In the automatic transaction apparatus of the present invention having the above-mentioned structure, the change generated by the transfer transaction can be received by depositing the change into a predetermined account as desired.

Therefore, it is possible to carry out the transfer transaction smoothly and easily as compared with the conventional case without paying out or receiving coins and the like, and it is possible to improve the operability and reduce the transaction time.

Further, by recording the account information regarding the account for depositing the change in a transfer transaction information recording medium such as a transfer ticket or a passbook for transfer, it is possible to execute the transfer transaction more simply and in a shorter time. be able to.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows the appearance of an automatic transaction apparatus according to this embodiment. In the figure, on the front surface of the housing 1,
A substantially L-shaped customer service operating section 2 is formed.

On the horizontal surface of the customer service operating section 2, there is provided a bill slot 3 for receiving a large number of bills in a batch and receiving the discharged bills at a time. The door 4 is provided. In addition, customer service operation unit 2
On the horizontal plane, a color CRT display device 5 having a transparent touch sensor panel on the display surface is provided. This C
The RT display device 5 displays operation procedures and other information on the screen by characters, text, illustrations or image information,
By guiding the user and touching the part of the touch sensor panel corresponding to the display of numbers, katakana, alphabets, confirmation and cancellation characters with a finger, the secret code,
It is possible to input desired information such as the amount, account number, transaction approval, confirmation or cancellation.

On the other hand, on the vertical surface of the customer service operating section 2, a card slot 6 for accepting a magnetic card as a transaction medium in which a personal identification number, an account number, etc. are recorded, and a magnetic passbook or a transfer card for a transaction medium are also accepted. Passbook slot 7, receipt slot 8 for discharging printed receipts (details), coin slot 9 for inserting a large number of coins in a batch, coin receiving slot 10 for receiving ejected coins in a batch, staff members operate An attendant key 11 and the like are provided.

FIG. 2 shows a schematic configuration of the above-mentioned automatic transaction apparatus. The card reader unit 21, the receipt printer unit 22, the passbook printer unit 23, the banknote deposit / withdrawal unit 24, the coin deposit / withdrawal unit 25, and the customer service unit 26. , Voice guidance unit 27, internal monitor 28,
The storage unit 29, the floppy disk device 30, the transmission control unit 31, the main control unit 32, the power supply unit 33, and the like.

The card reader unit 21 has a card slot 6
Read the account information such as personal identification number and account number from the magnetic stripe of the magnetic card received from.

The lacit printer unit 22 issues a receipt (specification) on which transaction details are printed, and ejects the receipt from the receipt port 8.

The passbook printer unit 23 reads data from or writes data to the magnetic stripe of the passbook received from the passbook opening 7, and prints transaction contents on the passbook and journal paper for recording as necessary. I do. In addition, the transfer card is issued by recording the transfer information of the transfer transaction on the original note of the transfer card, and it is ejected from the passbook slot 7 or against the magnetic stripe of the transfer card received from the passbook slot 7. Read or write data.

The banknote deposit / withdrawal unit 24 discriminates and counts the banknotes collectively put into the banknote slot 3, and stores the banknotes, and, if necessary, withdraws a predetermined number of banknotes stored in the safe in advance to banknote the banknotes. Pay out collectively from mouth 3.

The coin deposit / withdrawal unit 25 is provided with a coin slot 9
The coins that have been collectively thrown into the coin are discriminated, counted, and stored, and if necessary, a predetermined number of coins stored in the safe in advance are taken out and the coins are received from the coin receiving port 10 collectively.

The customer service unit 26 comprises the CRT display device 5 and the touch sensor panel described above. The voice guidance unit 27 provides voice guidance for user operation.

The internal monitor 28 informs a person in charge of operating the apparatus of the state of the apparatus and inputs an operation instruction by the person in charge.

The storage unit 29 is for storing various data.

The floppy disk device 30 stores a program of processing procedures relating to the operation of this device, and
It records various types of information used in transactions and transactions, records the operating status of this device, and stores special information set unique to this device.

The transmission controller 31 is connected online with a host computer of the center via a communication line.
Online communication is available with the host computer when necessary.

The main controller 32 refers to the program information in the floppy disk device 30 and refers to each unit 21.
~ 27, the internal monitor 28, the storage unit 29, and the transmission control unit 31 are controlled to perform a predetermined transaction operation. In addition, a remaining amount diagnosis (check) of various media (banknotes, coins, receipt paper, journal paper, transfer card, etc.) is performed, and operation diagnosis (check) of each of the units 21 to 27 is performed.

A remote monitor 34 can be connected to the main control section 32 as needed to monitor from a distance.
The remote monitor 34 is controlled by the main control unit 32 and displays almost the same information as the internal monitor 28, and when an abnormality occurs in this device, it also notifies by using a sounding means such as a buzzer.

Next, the transfer process in the automatic transaction apparatus of this embodiment having the above-mentioned structure will be described.

At the start of the transaction, the item selection screen is displayed on the display screen of the CRT display device 5, and the user touches the display position of the desired transaction item in this item selection screen, in this case "transfer". By touching the sensor panel, the transfer transaction is selected and the transfer process is started.

First, the user selects a transfer method, that is, a transfer by cash or a transfer by account transfer by a cash card which is an account information recording medium (101).

In the following description, only the case where the transfer by cash causing change is selected will be described.

Next, the user selects whether to make a transaction by inputting each time or to make a transaction using a transfer transaction information recording medium such as a transfer ticket or a passbook for transfer (step 102).

When the input is selected each time, the input processing of inputting the transfer destination financial institution name, branch name, account number, etc. is first performed (103), and then the transfer amount input processing for inputting the transfer amount. Is performed (104).

After this, a transfer inquiry message transmitting / receiving process for inquiring the input transfer contents to the host computer is performed (105).

Thereafter, a cash insertion process for inserting, counting, and confirming cash is performed (106), and when it is determined that a change will occur as a result of this process, a change deposit selection process as described below is performed. Be seen.

That is, first, a change deposit selection screen as shown in FIG. 4 is displayed on the display screen of the CRT display device 5 to select whether to deposit the change into the account or pay it out in cash ( 107). In FIG. 4, 41 is a change deposit key for depositing the change into the account, 42 is a change receipt key for receiving the change in cash, and 43 is a change amount as a guide for selecting change input. Here, if the user does not have a card account such as a bank in which the automated teller machine is installed, the change cannot be transferred, and the change receipt key 42 is selected.

Then, when the change deposit key 41 is selected by the change deposit key 41 (108), a message prompting the insertion of the cash card is displayed on the display screen of the CRT display device 5, and when the cash card is inserted. (10
9) It is determined whether or not the inserted cash card is a self-depositable card that can be deposited (110).

As a result, if the inserted cash card is not the bank's own bank card, the cash card is returned and the processing from step 107 described above is repeated. In the case of a cash card, next, a transfer content confirmation process is executed (111). In this transfer content confirmation processing, a transfer content confirmation screen as shown in FIG. 5 is displayed on the display screen of the CRT display device 5. In addition, this transfer content confirmation screen, transfer destination financial institution name, transfer destination branch name, subject / account number, transfer amount, fee, recipient name, requester name,
The change receiving account 53 read from the magnetic stripe of the inserted cash card is displayed together with the telephone number and the like. In addition, the user confirms the displayed contents,
Either the cancel key 51 or the confirmation key 52 is touched to cancel or confirm. When the user touches the cancel key 51, the transaction is not performed this time, the cash card and the cash are returned, and the process ends.

After this, a transfer ticket necessity selection process (112) for allowing the user to select the necessity of the transfer ticket, and a transfer execution message transmission / reception process (113) for updating the transfer transaction and the change deposit transaction in the bank host computer. To do.

After that, if issuance of a transfer ticket is selected (114), from the magnetic stripe of the inserted cash card to the magnetic stripe of the transfer ticket to be issued, in addition to the information relating to the normal transfer transaction. After registering the account information such as the read account number (115), on the other hand, if issuance of a transfer ticket is not selected (114), it is as it is.
Necessary media (cash card, statement slip, transfer ticket, etc.) are discharged (116), and the process ends.

In the step 108, if the change receipt is selected, the transfer content confirmation processing (121), the transfer ticket necessity selection processing (122), the transfer execution electronic message transmission / reception processing (123), the change Counting process (124)
Are sequentially executed, necessary media (cash card, statement slip, etc.) are discharged (116), and the process is ended.

Next, the case where the input by the transfer ticket is selected in step 102 will be described.

In this case, first, a transfer ticket insertion processing (131) for inserting a transfer ticket, confirming the information read from the magnetic stripe of the inserted transfer ticket, a transfer amount input processing (132) for inputting a transfer amount, A transfer inquiry message transmission / reception process of inquiring the input transfer contents to the host computer is performed (133), a cash insertion process of inserting, counting, and confirming cash is sequentially performed (134). As a result of this process, the change When it is determined that the change occurs, the same deposit selection process as in the case of the input is performed.

That is, first, on the display screen of the CRT display device 5, a change deposit selection screen for selecting whether to deposit the change into the account or pay it out by cash is displayed (135).

At this time, if an account for receiving the change is not registered in the inserted transfer ticket, a change deposit selection screen as shown in FIG. 4 is displayed as in the case of inputting each time as described above. When the account for receiving the change is registered in the transfer ticket, a change deposit selection screen as shown in FIG. 6 is displayed. In the change deposit selection screen of FIG. 6, a change deposit key 61, a change receipt key 62, a change amount 63, and a change deposit account number 64 registered in the transfer ticket are displayed for the user's confirmation. .

When the change deposit key 61 is selected by the change deposit key 61 (136) and the account for receiving the change is not registered in the inserted transfer ticket (137), the CRT display device 5 is operated. A message prompting the user to insert a cash card is displayed on the display screen, and when the cash card is inserted (138), it is determined whether or not the inserted cash card is a self-payable card (139). .

As a result, if the inserted cash card is not the bank's own bank card, this bank card is returned and the processing from step 135 described above is repeated. In the case of a cash card, next, a transfer content confirmation process is executed (140).

In step 137, if an account for receiving the change is registered on the transfer ticket, then a transfer content confirmation process is executed (140).

In this transfer content confirmation processing, as in the case of inputting each time as described above, on the display screen of the CRT display device 5,
A transfer content confirmation screen including a display of the change receiving account as shown in FIG. 5 is displayed.

After this, a transfer execution message transmission / reception process (141) for updating the transfer transaction and the change deposit transaction in the bank host computer, and thereafter, if the account for receiving the change in the transfer ticket is not registered. The account information such as the account number read from the magnetic stripe of the inserted cash card is registered in the magnetic stripe of the ticket (142), and the required medium (cash card, statement slip, transfer ticket, etc.) is discharged (143). , The process ends.

If the change receipt is selected in step 136, next, the transfer content confirmation process (151), the transfer execution message transmission / reception process (152), and the change counting process (153) are sequentially executed. Eject necessary media (cash card, statement slip, transfer ticket, etc.) (14
3), the process ends.

In the above embodiment, the case where the transfer ticket is used as the transfer transaction information recording medium for recording the transfer transaction information has been described. However, another transfer transaction information recording medium, for example, transfer exclusive A passbook or the like can be used in the same manner.

As described above, in the automatic transaction device of this embodiment, the change generated by the transfer transaction can be received by depositing the change into a predetermined account as desired.

Therefore, it is possible to carry out the transfer transaction smoothly and easily as compared with the conventional case without paying out or receiving coins and the like, and it is possible to improve the operability and reduce the transaction time.

Further, by recording the account information regarding the account for depositing the change in the information recording medium for the transfer transaction such as the transfer ticket or the passbook for the transfer, it is possible to execute the transfer transaction more simply and in a shorter time. it can.

[0058]

As described above, according to the automatic transaction device of the present invention, it is possible to perform the transfer transaction smoothly and easily as compared with the conventional one, and it is possible to improve the operability and reduce the transaction time. it can.

[Brief description of drawings]

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

FIG. 2 is a diagram showing a block configuration of the automatic transaction device shown in FIG.

FIG. 3 is a diagram for explaining the operation of the automatic transaction device shown in FIG. 1.

FIG. 4 is a diagram showing an example of a display screen of the automatic transaction device shown in FIG. 1.

5 is a diagram showing an example of a display screen of the automatic transaction device shown in FIG.

6 is a diagram showing an example of a display screen of the automatic transaction device shown in FIG.

[Explanation of symbols]

 1 Case 2 Customer Service Operation Section 3 Banknote Slot 4 Door 5 Color CRT Display 6 Card Slot 7 Passbook Slot 8 Receipt Slot 9 Coin Slot 10 Coin Receipt Port 11 Staff Key

Claims (3)

[Claims] 1. An automatic transaction device capable of executing a transfer transaction in accordance with transfer information read from a transfer transaction information recording medium, wherein when a change occurs with respect to the deposited cash, the change transaction is performed. Selecting means for selecting whether or not to deposit into a predetermined account, and if the selecting means selects to deposit the change into a predetermined account, the predetermined account from the transfer transaction information recording medium. An automatic transaction apparatus, comprising: processing means for reading out account information relating to the change and executing deposit processing for the change in accordance with the account information. 2. An automatic transaction device capable of executing a transfer transaction according to input transfer information, wherein when a change occurs with respect to the input cash, the change is transferred to a predetermined account. Selecting means for selecting whether or not to perform, when the selecting means selects to deposit the change into a predetermined account, display means for executing a display prompting insertion of an account information recording medium, and An automatic transaction apparatus comprising: processing means for reading out account information relating to the predetermined account from an account information recording medium and executing deposit processing for the change in accordance with the account information. 3. An automatic transaction device capable of executing a transfer transaction according to the input transfer information and the transfer information read from the transfer transaction information recording medium, wherein a change is generated for the inserted cash. When selecting, to select whether or not to deposit the change into a predetermined account, and by the selection means to deposit the change into a predetermined account, the account information recording medium Display means for executing a display prompting for input, processing means for reading out account information relating to the predetermined account from the account information recording medium, and executing deposit processing for the change in accordance with the account information, and from the account information recording medium An automatic transaction apparatus comprising: a registration unit that registers the read account information in a transfer transaction information recording medium.