JPH0887645A - Automatic transaction equipment - Google Patents

Abstract

(57) [Summary] [Object] The present invention provides an automatic transaction device capable of improving the serviceability and smooth operation of a customer when a passbook is used as a transaction medium. [Constitution] According to the present invention, when a transaction medium in the form of a document with account identification information corresponding to a transaction account is inserted into the apparatus, the account identification information is automatically discriminated and the discrimination result is displayed. Therefore, the operator can confirm before proceeding with the processing, and the waste of the operation can be omitted. For this reason, it becomes possible to improve the serviceability to the customer and achieve smooth operation.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device,
More specifically, the present invention relates to an automatic transaction device which is installed at a predetermined place of a financial institution such as a bank and which automatically performs transactions such as cash deposit and withdrawal by customer operation.

[0002]

2. Description of the Related Art In recent years, CDs (cash dispensers)
ATMs such as ATMs and ATMs are installed in various places such as banks, financial institutions such as banks, train stations, retail stores, etc. We are carrying out transactions such as money.

Transactions such as cash deposits and withdrawals to a large number of customers are required for a plurality of types of transaction accounts owned by the customers, that is, ordinary deposit accounts, time deposit accounts, general deposit accounts, etc. It is carried out using a passbook having a processed page or a magnetic card formed in a predetermined size.

In the conventional automatic transaction device,
When making a transaction using a passbook, the passbook processing unit sequentially prints transaction information according to the transaction on each page of the passbook.

[0005]

However, in the case of the conventional automatic transaction apparatus, there is a problem because the processing is advanced by the operator's account selection. In other words, when the operator inserts a passbook into the device and selects an account, the process proceeds according to the selected process flow, and the match between the selected account and the passbook account is checked just before the end of the process. Therefore, if an account different from the passbook is mistakenly selected, it is necessary to start over from the beginning, and there is a problem in that the operation takes time.

Therefore, according to the present invention, at the stage of inserting the transaction medium, even if the operator does not select the account, the account of the inserted transaction medium is automatically identified and displayed, so that the serviceability to the customer is improved. It is an object of the present invention to provide an automatic transaction device capable of improving the cost and smooth operation.

[0007]

According to the first aspect of the present invention,
An automatic transaction device for processing, using a transaction medium processing unit, a transaction medium in a form attached with account identification information corresponding to a transaction account, which is attached to the transaction medium in a form inserted into the transaction medium processing unit. It has a discrimination means for discriminating the account identification information and a control means for controlling the display of the transaction account name based on the discrimination result.

According to a second aspect of the present invention, the transaction account is
It is an ordinary deposit account, a fixed deposit account, or a comprehensive deposit account, and the determining means determines whether or not it is a comprehensive deposit account from the account identification information attached to the transaction medium of the form, and if it is not a comprehensive deposit account, then It is to discriminate between the ordinary deposit account and the time deposit account, and display according to each transaction account.

According to a third aspect of the invention, the discriminating means is
When it is determined that the account is a general deposit account, it is further determined whether it is a regular account page or a fixed account page.

According to a fourth aspect of the present invention, the control means comprises:
When the inserted form-like transaction medium does not correspond to any account, the irregular processing is instructed.

[0011]

Operation The operation of the automatic transaction device having the above-described structure will be described below.

In the automatic transaction apparatus according to the first aspect, when the form-like transaction medium is inserted, the discriminating means discriminates the account identification information of the transaction medium, and the control means displays the specific account name based on the discrimination result. , And subsequent transaction processing is performed.

In the automatic transaction device according to the second aspect, any one of the ordinary deposit account, the time deposit account and the general deposit account is discriminated and provided for display.

According to the third aspect of the present invention, when the general deposit account is discriminated by the discriminating means, it is further discriminated whether the page of the passbook is an ordinary account page or a fixed account page.

In the automatic transaction apparatus according to the fourth aspect, irregular processing such as return of a passbook is performed when the account does not correspond to any account.

[0016]

Embodiments of the present invention will now be described in detail with reference to the drawings.

First, the external structure of an automatic transaction apparatus (for example, an automatic teller machine) 1 according to this embodiment will be described with reference to FIG.

In the automatic transaction apparatus 1 shown in FIG. 3, a substantially L-shaped customer service operating area 2 is provided on the front surface of a box-shaped housing 1A.

The horizontal plane of the customer service operation area 2 is provided with a banknote slot 3 for receiving a large number of banknotes and receiving the discharged banknotes in a batch. The banknote slot 3 can be opened and closed by a door 4. Has become.

On the horizontal surface of the customer service operation area 2, there is provided an operation section 5 which functions as an input means and a display means in which a transparent touch sensor panel and a color CRT are combined.

The color CRT of the operation unit 5 includes an operation procedure,
Other information is displayed on the screen by text, wording, illustrations or image information to guide the customer. Further, by touching a part of the touch sensor panel corresponding to the display of numbers, katakana, alphabets, confirmation and cancellation characters with a finger, desired information can be input.

On the other hand, on the vertical surface of the customer service operation area 2, a personal identification number, an account number, a code of the issuing bank, etc. are recorded on a magnetic stripe. A passbook opening for receiving a passbook or a transfer card as a medium, a receipt opening 8 for discharging a printed receipt (detailed voucher), a coin insertion slot 9 for receiving a large number of coins in a batch, and a released coin in a batch A coin receiving port 10 for receiving coins, an attendant key 11 operated by an attendant, and the like are provided.

FIG. 1 shows a control system of the automatic transaction apparatus 1, in which a card reader unit 2 is provided in the housing 1A.
1, a receipt printer unit 22, a passbook printer unit 23 as a transaction medium processing means, a banknote deposit / withdrawal unit 24, a coin deposit / withdrawal unit 25, a customer service unit 26 including the operation section 5, a voice guidance unit 27, and an internal monitor 28. are doing.

Further, the automatic transaction apparatus 1 comprises a storage unit 29, a floppy disk 30, a transmission control unit 31, a main control unit 32 for controlling the whole, a power supply unit 33 and the like.

The card reader unit 21 reads account information such as a personal identification number and an account number from the magnetic stripe of the card received from the card slot 6 and also returns the card to the card slot 6. .

The receipt printer unit 22 issues a receipt (detailed voucher) on which the transaction contents are printed, or prints the result of self-diagnosis on the receipt, and the receipt port 8
It is designed to be discharged from.

As shown in FIG. 2, the passbook printer unit 23 has a carrying section 41 for carrying in a passbook from the passbook opening 7 and carrying out the passbook to the passbook opening 7, and FIG. 4 carried in from the passbook opening 7. A magnetic head 42 for reading or writing information from or to the magnetic stripe MS of the passbook, and an optical sensor 43 as a page recognition means for optically reading a page mark PM as page identification information provided on each processed page of the passbook, A printing unit 44 for printing transaction processing information on each processing page of the passbook;
A page break processing unit 45 is provided as a page break processing means for carrying out page break processing of each processing page of the passbook. Account identification information (ordinary deposit account, time deposit account, general deposit account, etc.) is recorded on the magnetic stripe MS.

Further, the processing page of the general deposit account passbook is
For example, pages 1 to 3 are 4 to 1 for time deposit accounts.
Page 0 is used for ordinary savings accounts, and the page mark PM has its identification information.

Further, the passbook printer unit 23 is
The transfer card is issued by recording the transfer information of the transfer transaction on the original ticket of the transfer card, and it is ejected from the passbook opening 7. Furthermore, information is recorded on the magnetic stripe of the transfer card received from the passbook opening 7. Are read and written.

The banknote deposit / withdrawal unit 24 has a banknote slot 3
The banknotes that have been collectively inserted into the banknotes are discriminated, counted, and stored, and if necessary, a predetermined number of banknotes that have been stored in the safe in advance are taken out and collectively paid out from the banknote slot 3. .

The coin depositing / dispensing unit 25 discriminates and counts the coins collectively put into the coin slot 9 and stores them, and if necessary, takes out a predetermined number of coins previously stored in the safe. The coins can be paid out collectively from the coin receiving port 10.

The voice guidance unit 27 is adapted to guide the customer's operation by voice.

The internal monitor 28 transmits the state of the apparatus to the staff involved in the operation of the automatic transaction apparatus 1, and
The operator inputs an operation instruction.

The main control section 32 controls each of the units 21 to 27, the internal monitor 28, the storage section 29 as storage means, and the transmission control section 31 while referring to the program information in the floppy disk section 30. , Are designed to perform a predetermined operation.

Further, the main control section 32 performs a remaining amount diagnosis (check) of various types of media (banknotes, coins, receipt paper, journal paper, transfer card, etc.) and operation diagnosis (check) of each unit 21 to 27. ).

A remote monitor 34 is connected to the main control section 32 as necessary, and it is possible to monitor from a distant place. The remote monitor 34 is controlled by the main control unit 32, displays almost the same information as the internal monitor 28, and when an abnormality occurs in the automatic transaction apparatus 1, a buzzer or other sounding means is also used to detect the abnormality. It is supposed to inform you.

The storage unit 29 stores the automatic transaction device 1
The identification information of a plurality of types of transaction accounts and the page identification information of the processing page corresponding to each transaction account are stored in the passbook handled in (1). For example, in the case of a general deposit account, it is memorized that among the processing pages in the passbook, pages 1 to 3 are processing pages for time deposit accounts and pages 4 to 10 are processing pages for ordinary savings accounts. are doing.

The main control section 32 performs the above-mentioned processes, and also stores the account identification information and the like attached to the passbook and the storage section 2.
In comparison with the information stored in 9, it is determined which account the inserted passbook belongs to, and if it is a general deposit account, it is determined whether the page is an ordinary account page or a fixed account page. It discriminate | determines and it controls so that the kind of an account may be offered for a display by this discrimination result. In this sense, the main control section constitutes a discriminating means and a control means.

The floppy disk unit 30 stores a program of a processing procedure relating to the operation of the automatic transaction device 1, records various kinds of information used in the transaction and the transaction, records the operating condition of the automatic transaction device 1, and performs the automatic transaction. Storage of special information set uniquely to the device 1 is performed.

The program may be stored in the hard disk 35.

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

Next, the operation of the automatic transaction apparatus 1 having the above-described configuration will be described mainly with reference to the case of using a passbook and also with reference to FIGS.

When a customer who intends to use the automatic transaction apparatus 1 first selects "payment", opens any processing page of the passbook and inserts the passbook into the passbook slot 7 (S
T2), the magnetic head 42 in the passbook printer unit 23 reads the magnetic stripe MS of the passbook, and sends the read result to the main controller 32 (ST3).

The main control section 32 compares the reading result from the magnetic head 42 with the account identification information stored in the storage section 29 to determine the account name. First, it is determined whether the passbook is a general deposit account (general passbook), and if it is not a general passbook, it is determined whether the passbook is an ordinary deposit account or a time deposit account (ST4 and ST5).

Then, processing based on the determined passbook type is performed. In other words, in the case of shifting to the deposit processing of the ordinary account, the display of the customer service unit 26 shown in FIG. 6 "The transaction is an ordinary deposit account. Please confirm, or if it is an error, end it. Please select. " In the case of a time deposit account, display control indicating that effect is also performed. When the operator selects "confirm" according to the displayed contents, the deposit processing of the passbook is performed, and when "end" is selected, the passbook is returned (ST6, ST7).

When it is determined in step ST4 that the passbook is a general passbook, the main control section 32 causes the optical sensor 43 to operate.
The page mark PM read in step 3 is compared with the page identification information stored in the storage unit 29 to determine whether the page is a regular account page or a fixed account page (ST9, ST10).

If it is the ordinary account page or the fixed account page according to the above determination result, control is performed so as to display that effect. For example, as shown in FIG. 7, the display is "The transaction is a general account and the ordinary account page. If you are satisfied, please confirm it, or if it is incorrect, please select the end." Then, if "confirm" is selected, the normal transaction processing is performed, and if "end" is selected, the passbook is returned (ST11, ST1).
2).

When the type of the passbook cannot be discriminated or the type of the page cannot be discriminated, a message such as "This passbook cannot be used" or "Please try again from the beginning" is displayed. Then, the passbook is returned and so-called irregular processing is performed.

According to the above-mentioned embodiment, the operator can insert the passbook and the type of the passbook can be judged and displayed. Therefore, the displayed contents can be used to confirm the identity of the purpose, which is wasteful. The advantage is that no processing is required.

The present invention is not limited to the above-mentioned embodiments, but various modifications can be made within the scope of the invention.

[0051]

According to the present invention described in detail above, the following effects can be obtained.

According to the first aspect of the present invention, the operator automatically inserts the transaction medium and the type of the transaction medium is automatically displayed. Therefore, it is easy to confirm and unnecessary processing can be omitted. It is possible to improve the quality and operate smoothly.

According to the second aspect of the present invention, it is possible to determine whether or not the account is a comprehensive deposit account, and if it is not a comprehensive deposit account, it is possible to determine whether it is normal or fixed and display it. Easy and reliable confirmation.

According to the third aspect of the present invention, since it is possible to confirm whether the inserted page is an ordinary account or a fixed account, it is possible to prevent the wrong page from being deposited.

According to the invention of claim 4, the handling of passbooks that do not belong to any type can be eliminated, and therefore, when a person mistakenly deposits money into the passbook of another person or a page in which payment is not possible is opened. It has an advantage that inconveniences such as when it is inserted as a result can be eliminated.

[Brief description of drawings]

FIG. 1 is a block diagram showing a control system of an apparatus according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of a passbook printer unit of the embodiment apparatus of the present invention.

FIG. 3 is a perspective view showing the external appearance of an apparatus according to an embodiment of the present invention.

FIG. 4 is a perspective view of a passbook.

FIG. 5 is a flowchart showing the operation of the apparatus according to the embodiment of the present invention.

FIG. 6 is an explanatory view showing a display example of display means in the apparatus of the embodiment of the present invention.

FIG. 7 is an explanatory view showing a display example of the display means in the apparatus of the embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction device 5 Operation part 23 Passbook printer unit 29 Storage part 32 Main control part 42 Magnetic head 43 Optical sensor

Claims (4)

[Claims] 1. An automatic transaction device for processing, using a transaction medium processing means, a transaction medium having a form attached with account identification information corresponding to a transaction account, the form being inserted into the transaction medium processing means. An automatic transaction apparatus comprising: a determination unit that determines the account identification information attached to the transaction medium, and a control unit that controls the display of the transaction account name based on the determination result. 2. The transaction account is an ordinary deposit account, a time deposit account, or a comprehensive deposit account, and the determining means determines whether the transaction account is a comprehensive deposit account based on the account identification information attached to the transaction medium on the form. However, if it is not a general deposit account, the automatic transaction device according to claim 1, which determines whether it is a next ordinary deposit account or a fixed deposit account and displays a display corresponding to each transaction account. 3. The automatic transaction apparatus according to claim 1, wherein the determining means further determines, when it is determined that the account is a general deposit account, whether it is an ordinary account page or a fixed account page. 4. The control means instructs irregular processing when the inserted voucher-type transaction medium does not correspond to any of the accounts. The automatic transaction device according to item.