JPH09218971A - Automatic transaction equipment - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide an automatic transaction device capable of improving convenience in a transfer transaction and smoothing economic activities as compared with the prior art. SOLUTION: A screen for selecting whether or not to input a message is displayed on the CRT display device 5, and when the selection to input the message is made, a message input process is performed and the input is made. The message is sent to the host computer of the center and written in the passbook of the transfer destination, or written in a slip or the like separately sent to the transfer destination.

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 used for various transactions in financial institutions.

[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, the name and telephone number of the client (transfer source) input by the client using a touch panel or read from a transfer ticket or a bankbook for transfer. Information is sent to the transfer destination, and the transfer destination can determine from whom the transfer is made by this information.

[0004]

However, even in the above-mentioned conventional automatic transaction apparatus, further improvement in convenience is naturally required.

For example, with a conventional automatic transaction device,
When a transfer transaction is made, the transfer recipient can determine who made the transfer, but for example, it is not possible to know what the transfer was made for, etc. There are also cases.

[0006] The present invention has been made in response to such a conventional situation, and an automatic transaction device capable of improving convenience in a transfer transaction and smoothing economic activities as compared with the conventional case. It is the one we are trying to provide.

[0007]

[Means for Solving the Problems] That is, the present invention according to claim 1 makes a transfer transaction based on client information about a client, transfer destination information about a transfer destination, and transfer amount information about a transfer amount. An executable automatic transaction device, input means for inputting a desired message,
It is characterized by further comprising processing means for sending the message input by the input means to a predetermined destination together with the client information.

According to a second aspect of the present invention, in the automatic transaction apparatus according to the first aspect, the input means selects a desired message from a plurality of preset fixed messages, and inputs the fixed message. Both of the arbitrary message inputs for inputting an arbitrary message can be executed.

According to a third aspect of the present invention, in the automatic transaction apparatus according to the first aspect, the input means is capable of inputting an arbitrary message by handwriting.

According to a fourth aspect of the present invention, there is provided selection means for selecting an input of an arbitrary text message or image message, and the processing means selects the input of an arbitrary text message by the selection means. A first processing unit for converting a text message input by the input unit into text data and sending the text message to a predetermined destination together with the client information; and an input of an image message selected by the selection unit and input by the input unit. And a second processing unit for converting the image message into image data and transmitting the image message together with the client information to a predetermined destination.

According to a fifth aspect of the invention, the input means comprises:
It is characterized by being means for inputting an arbitrary text message or image message by handwriting.

The invention according to claim 6 is a transfer processing means for executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount, and image information. Reading means for reading
The image information read by the reading means is provided as an arbitrary message, and a processing means for sending the image information to a predetermined destination together with the client information is characterized.

According to the invention of claim 7, a transfer processing means for executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount, and preset. Fixed message input,
Selection means for selecting either an arbitrary text message input or an image message input, and when a fixed message input is set by the selection means, a desired message is designated from a plurality of preset fixed messages, Input means for handwriting a desired message when text message input or image message input is set, and processing means for sending the message designated or input by this input means to a predetermined destination together with the client information. It is characterized by having.

In the automatic transaction apparatus of the present invention having the above-mentioned configuration, when carrying out a transfer transaction, it is possible to input a message such as details of the transfer contents, so that the transfer destination is
Based on this information, appropriate measures can be taken.

[0015]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows the appearance of an automatic transaction device according to an embodiment of the present invention. In the figure, a substantially L-shaped customer service operating portion 2 is formed on the front surface of a housing 1.

On the horizontal surface of the customer service operating section 2, there is provided a bill slot 3 capable of receiving a large number of bills in a batch and receiving the discharged bills at a time. The bill slot 3 can be freely opened and closed. 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 unit 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 bill 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 the transaction details are printed, and discharges it from the receipt port 8.

The passbook printer unit 23 reads or writes data from or 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 inserted into the banknote slot 3, and stores the banknotes. When necessary, the banknote deposit / withdrawal unit 24 withdraws a predetermined number of banknotes stored in the safe in advance. 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 the 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, referring to the flowchart of FIG.
The transfer process in the automatic transaction device configured as described above 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 (1
01).

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 (102).

Here, when the transfer by cash is selected, the processing from step (105) described later is performed. On the other hand, when the direct transfer by cash card is selected, an operation guide for prompting the insertion of the cash card into the card slot 6 is given, and when the cash card is inserted into the card slot 6, the magnetic stripe of this cash card The account information such as the account number is read (103).

Next, an operation guide for prompting the input of the personal identification number is given, and when the personal identification number is input by the touch sensor panel, it is received from the host computer of the center based on the account information read from the magnetic stripe of the cash card. By collating with the security code, the process for confirming whether the correct security code is entered (10
4).

After this (in the case of cash transfer, after step (102)), an operation to prompt input of transfer destination data (transfer destination financial institution name, branch name, account number, transfer destination name, deposit amount, etc.) Guides are sequentially performed, data for specifying the transfer destination is input (105), and subsequently operation guides for prompting input of transfer recipient data (name, telephone number, etc.) are sequentially performed to identify the transfer recipient. The data for performing is input (106). When using a transfer ticket, a bankbook for transfer, etc., the information read from these magnetic stripes is input.

When the transfer is not by cash card (107), that is, when the transfer is by cash, the bills inserted into the bill slot 3 are discriminated and counted, and the coins inserted into the coin slot 9 are discriminated and counted. Deposit processing such as is performed (108).

Then (after step (106) in the case of transfer by cash card), the CRT display device 5
A screen for selecting whether or not to input a message is displayed (109).

FIG. 4 shows an example of such a display screen. In the example shown in FIG. 4, it is possible to select either message selection, character input, image input or not.

As shown in FIG. 5, the "message selection" is to select a desired message from a plurality of preset fixed messages displayed on the CRT display device 5.

As shown in FIG. 6, the "character input" is to recognize characters written with a finger or an input pen in the message input window, convert the characters into text data, and transmit the text data.

Further, as shown in FIG. 7, the "image input" is to send characters or figures written with a finger or an input pen in the message input window as image data as they are.

Then, when the selection to input the message such as the above is made (109), FIG.
The screens shown in 6 and 7 are displayed, the message input process is performed (110), and thereafter, the receipt or the transfer book is issued, the cash card is discharged, the change is paid out, etc. (111), The process ends.

When the message is not input (109), the receipt or transfer book is issued, the cash card is discharged, the change is paid out, etc. without performing the message input process (111), and the process is performed. To finish.

The message input as described above is sent to the host computer of the center, and is entered into the passbook of the transfer destination via the host computer, or is sent separately to the transfer destination. It is conveyed by filling in.

As described above, according to this automatic transaction device, for example, an apology when the payment is delayed, a comment that the transfer fee is deducted and the deposit is made, a comment indicating what the payment is, It is possible to send a comment indicating the order name and quantity in the mail order to the transfer destination simultaneously with the transfer transaction. As a result, at the transfer destination, it is possible to take appropriate measures when there is a transfer. In addition, in mail order, etc., it is not necessary to separately convey the order contents by telephone or mail, and it is not necessary for the ordering party to confirm the presence or absence of transfer and collate with the order contents, so that transactions can be carried out smoothly. It can be carried out.

In the above example, the case of a fixed message and the case of so-called handwriting input have been described as the message input method. For example, characters are sequentially selected from the characters displayed in the Japanese syllabary order. It is also possible to use a method of inputting a desired message, a method of reading characters or figures written on a paper or the like by a reading means such as a scanner, and directly transmitting the image data, or recognizing and transmitting the characters.

The data input as described above is message data in a format including "data size, data attribute, data", so that the data length can correspond to any message. .

[0050]

As described above, according to the automatic transaction device of the present invention, it is possible to improve the convenience in the transfer transaction as compared with the conventional one, and to facilitate economic activities.

[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.

7 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 Section 3 Banknote Port 4 Door 5 Color CRT Display Device 6 Card Port 7 Passbook Port 8 Receipt Port 9 Coin Slot 10 Coin Receiving Port 11 Staff Key

Claims (7)

[Claims] 1. An automatic transaction device capable of executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount, and a desired message. An automatic transaction apparatus comprising: an input unit for inputting a message and a processing unit for sending the message input by the input unit to a predetermined destination together with the client information. 2. The automatic transaction device according to claim 1, wherein the input unit inputs a fixed message for selecting and inputting a desired message from a plurality of preset fixed messages and an arbitrary message. An automatic transaction device characterized by being able to execute both arbitrary message inputs. 3. The automatic transaction apparatus according to claim 1, wherein the input means is capable of inputting an arbitrary message by handwriting. 4. A selection means for selecting an input of an arbitrary text message or an image message is provided, and the processing means has an input of an arbitrary text message selected by the selection means and input by the input means. A first processing unit that converts a text message into text data and sends it to a predetermined destination together with the client information; and an image message input by the input unit when the input of the image message is selected by the selection unit. 2. The automatic transaction apparatus according to claim 1, further comprising a second processing unit which is converted into a message and is sent together with the client information to a predetermined destination. 5. The automatic transaction apparatus according to claim 4, wherein the input means is means for inputting an arbitrary text message or image message by handwriting. 6. A transfer processing means for executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount, and a reading means for reading image information. An automatic transaction device, comprising: a processing unit that sends the image information read by the reading unit as an arbitrary message together with the client information to a predetermined destination. 7. A transfer processing means for executing a transfer transaction based on client information regarding a client, transfer destination information regarding a transfer destination, and transfer amount information regarding a transfer amount, a preset fixed message input, Selecting means for selecting either an arbitrary text message input or an image message input; and when a fixed message input is set by the selecting means, a desired message is designated from a plurality of preset fixed messages, Input means for handwriting input of a desired message when text message input or image message input is set, and processing means for sending the message designated or input by this input means to a predetermined destination together with the client information An automatic transaction device having: