JPH0935123A - Cash machine - Google Patents

Abstract

(57) [Summary] [Purpose] It is an object of the present invention to provide an automatic teller machine equipped with an easily operable panel. [Structure] An automated teller machine that includes a customer operation unit (45) and inputs a personal identification number and a payment amount from the customer operation unit to pay cash, and a plurality of amount keys (3
4), an addition unit (43) that calculates the total amount of the amounts input from the amount key for each input, an amount display unit (36) that displays the total amount, and the displayed amount as the payment amount. A confirmation key (35) to confirm and approve, a payment amount input section (31) equipped with a clear key (37) for resetting the payment amount, a numeric keypad (38) for inputting the personal identification number, and a keypad for the numeric keypad PIN code input section (33) equipped with a correction key (39) for correcting the input and processing cancellation section (32) equipped with a cancellation key (41) for canceling the payment transaction processing during operation are operated by the same customer. Configured to be attached to the department.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to improvement of an automatic teller machine used in a financial institution, and particularly to improvement of operability.

In recent years, with the automation of window operations of financial institutions, customers directly operate machines (automatic machines) to make deposits, withdrawals,
Although processing such as transfer is performed, it is required that the customer can easily operate it.

[0003]

2. Description of the Related Art FIG. 6 is an external view of an automatic teller machine, and FIG. 7 is an explanatory view of a conventional example. FIG. 6 shows an example of the appearance of an automatic teller machine. When a cash card (hereinafter referred to as a card) is inserted into the card insertion slot 1 and a personal identification number and payment amount are input from the operation panel 3, cash is output from the banknote outlet 2. Will be paid out.

FIG. 7 shows an example of an operation panel and an operation example of an automatic teller machine which pays cash in ten thousand yen units. The operation panel 3 includes a display section 4 for displaying operation guide text, a personal identification number, and payment. There are provided a numeric keypad 5 for inputting an amount of money, a correction key 6, a ten-thousand yen key 7 for designating a unit of payment amount (simultaneously representing the end of input), a confirmation key 8, and a cancel key 9 for canceling a payment transaction.

When the customer receives the cash payment with this automatic machine, the customer operates according to the guidance display on the display unit 4. First,
As the initial screen displays "Please insert the card" etc., insert the card into the card insertion slot 1. Next, the screen changes to the password input screen, "Please input the password," so input the password from the ten-key pad 5. At this time, since the personal identification number is 4 digits, a ● is additionally displayed each time one digit is entered. If you make a typo,
Press the correction key 6. Each time you press the button, one ● disappears, so enter it again from the next digit of the number of ●. When the cancel key 9 is pressed, the initial screen is displayed. Input from the beginning.

When the personal identification number is entered, the automatic teller machine inquires of the personal identification number at the center to confirm the identity and then switches to the payment amount input screen such as "Please enter the payment amount". Enter the amount using the numeric keypad 5.
In this case, since the input amount is displayed on the display unit 4, the ten-thousand yen key 7 is pressed at the end, and the confirmation key 8 is pressed if the displayed amount is correct. As a result, the automatic teller machine sends the payment amount to the center, and when the center responds to the payment permission, the cash is discharged together with the card, and the customer receives the cash.

In the above example, the mechanical key is shown as the input key, but in the ATM device which can select the withdrawal, the withdrawal, and the transfer transaction, a touch panel is provided on the display surface, and the guidance screen is displayed at that time. In many cases, the necessary input keys are displayed and touched with a finger. For example,
0 on the guidance screen "Please enter the payment amount"
The keys of ~ 9 are arranged horizontally in the lower column of the screen, and each time you touch, the number you touched from the upper digit is displayed on that screen, and the payment amount is confirmed by pressing the confirmation key on the same screen Has been done.

Similarly, touch keys 0 to 9 are displayed on the personal identification number input guide screen, and the personal identification number is input by touching each of the touch keys.

[0009]

In the conventional automatic teller machine described above, the personal identification number and the amount to be paid are input from the numeric keypad. In particular, with respect to the payment amount input, ten keys from 0 to 9 on the numeric keypad are selected and input is made one digit from the upper digit, and it takes time to find a necessary key.

Further, in the method of displaying a ten key together with the guide screen and touching it with a finger, the size of the key tends to become smaller as the detailed guide sentence is displayed, and the display is difficult to see and there is a problem that it is difficult to operate. .

In view of the above problems, it is an object of the present invention to provide an automatic teller machine with improved operability.

[0012]

In order to achieve the above object, an automatic teller machine of the present invention is provided with (1) the first invention customer operation section 45 as shown in the principle diagram of the present invention in FIG. A cash dispenser that pays cash by inputting a personal identification number and a payment amount from the customer operation unit 45, and a plurality of amount keys 34 for inputting a fixed amount and an amount key
An adding unit 43 that calculates the total amount of the amounts input from 34 for each input, an amount display unit 36 that displays the total amount, a confirmation key 35 that confirms and approves the displayed amount as the payment amount,
A payment amount input section 31 provided with a clear key 37 for resetting the payment amount, a ten-key pad 38 for inputting a personal identification number,
A PIN input section 33 having a correction key 39 for correcting the input from the numeric keypad 38 and a processing cancel section 32 having a cancel key 41 for canceling the payment transaction processing during operation are provided in the same customer operation section 45. To configure. (2) Second Invention In the first invention, the input data from the payment amount input unit 31 and the input data from the personal identification number input unit 33 are configured to be received in any order. (3) Third Invention In the first invention or the second invention, the payment amount input unit 31 and the personal identification number input unit 33 are each provided with a heading 42 representing the input unit. (4) Fourth invention In the first invention, the second invention, or the third invention, among all the keys of the customer operation unit 45, the money amount key 34 and the confirmation key 35 are compared with at least other keys. To form a larger key top. (5) Fifth Invention In the first invention, the second invention, the third invention, or the fourth invention, an input digit display unit 40 for displaying the number of input digits is provided in the personal identification number input unit 33. To configure. (6) Sixth invention In the first invention, the second invention, the third invention, or the fourth invention, Braille is added to each key and the heading.
44 is attached, and the transaction is performed by confirming the input by voice response. (7) Seventh invention In the first invention, the second invention, the third invention, the fourth invention, the fifth invention, or the sixth invention, a predetermined amount is set as an initial value of the payment amount. To configure.

[0013]

[Action]

(1) First Invention A payment amount input unit 31, a personal identification number input unit 33, and a processing cancellation unit 32 are provided in the same customer operation unit 45. With the input method in which the key is displayed on the screen and touched, the payment amount input section 31
Then, the personal identification number input section 33 and the processing cancel section 32 are displayed on the same screen.

The amount key of the payment amount input section 31 is a fixed amount,
For example, let us say that the keys for inputting amounts of money of “10,000 yen”, “30,000 yen”, and “50,000 yen” are added, and each time these keys are pressed, the addition unit 43 adds and displays them on the amount display unit 36. This allows
When the customer receives the payment of 50,000 yen, he only has to select one key "50,000" from the three keys.
The keys are easier to find and the operability is improved.

When the clear key 37 is pressed, only the amount input is cleared. Therefore, even if the amount input is incorrect, it is not necessary to re-input from the personal identification number, and the clear key 37 is in the section of the payment amount input section 31. Being provided, the customer can easily identify what is cleared.

Similarly, the personal identification number is input from the ten keys 38. Since the correction is in the section of the personal identification number input section 33,
It is easy to find out that it is a correction key for inputting a personal identification number.
When the cancel key 41 of the process canceling unit 32 is pressed, the process being operated is canceled.

As described above, the payment amount input unit 31, the processing cancellation unit 32, and the personal identification number input unit 33 are divided into the same customer operation unit.
Since it is attached to the 45, it has the effect of facilitating customer operations. In particular, the amount key 34 is used as a key for inputting a fixed amount of money and is added every time the key is pressed, so that it is possible to perform operations according to customer behavior, such as increasing the required amount while thinking on the spot. , A human-friendly machine can be realized. (2) Second invention In the first invention, since the payment amount input unit 31 and the personal identification number input unit 33 are provided side by side, the inputs can be made in any order. That is, the operation guide may specify the input order, or may be input in an arbitrary order. When inputting in any order, the operability is further improved, and it is not necessary to wait for one of the operation guides, so the operation time can be shortened. (3) Third Invention In the first invention or the second invention, headings 42 are attached to the payment amount input section 31 and the personal identification number input section 33, respectively. As a result, the input section becomes clearer, and it becomes possible to omit the operation guidance and the like. (4) Fourth invention In the first invention, the second invention, or the third invention, since the number of keys is reduced as the fixed amount key as the amount key 34, the amount key 34, the confirmation key are limited to the panel surface. 35 can be increased. This further facilitates the amount input operation. (5) Fifth Invention In the first invention, the second invention, the third invention, or the fourth invention, the personal identification number input unit 33 is provided with an input digit display unit 40 for displaying the number of input digits. This makes it easy to enter the secret code that is not displayed, and the correction key 39
Will be easy to correct. (6) Sixth invention In the first invention, the second invention, the third invention, or the fourth invention, Braille is added to each key and the heading 42, and the transaction is performed by confirming the input by voice response. To do it. This allows the visually impaired to operate. (7) Seventh invention In the first invention, the second invention, the third invention, the fourth invention, the fifth invention, or the sixth invention, a predetermined amount is set as an initial value of the payment amount. To do so. For example, if the initial value is "10,000 yen", the customer who withdraws 10,000 yen does not need to input the amount.

As described above, the payment amount input unit 31, the processing cancellation unit 32, and the personal identification number input unit 33 are divided into the same customer operation unit.
Since it is attached to the 45 and the amount input is fixed as the amount key 34, the amount input is particularly easy and the operability is improved.

The payment amount input section 31, the processing cancellation section 32,
Any of mechanical keys and touch panel keys may be used as the keys of the personal identification number input unit 33, or they may be combined, and there is no particular limitation.

[0020]

FIG. 2 is a block diagram of one embodiment, FIG. 3 is a block diagram of an operation panel of one embodiment, FIG. 4 is an operation flowchart diagram, and FIG.
FIG. 6 is a diagram showing a payment amount input method. Note that the same reference numeral represents the same object throughout the drawings.

In this embodiment, an automatic teller machine having an external view shown in FIG. 6 will be described in which the operation panel 3 is arranged as shown in FIG. The operation panel shown in FIG.
The payment amount input unit 31 and the processing cancellation unit 32 are configured by a touch panel with a display screen, and the personal identification number input unit 33 is configured by a keyboard (numeric keypad). Here, the operation guide input shown in the conventional example is used. The order is not specified, and it is possible to enter from either the personal identification number or the payment amount. Therefore, for example, "Insert the card" is displayed as the initial screen, and when the card is inserted, "Enter the PIN and payment amount" is displayed, and then the payment amount input section 31 and the processing cancellation are performed. Display section 32 and. The operation guidance may be given by voice.

Braille 44 is associated with each key and heading 42 so that it can be used by the visually impaired. Touch keys are arranged around the display screen, and Braille 44-b for those keys is provided. Is stamped on the outer panel side as shown in the figure, and the Braille for each key of the personal identification number input section 33 is stamped on the upper side, the lower side, or the key top of each key, though not shown. Braille 44 of heading 42 is attached at the top and bottom.

In the construction of the operation panel, the payment amount input unit 31, the processing canceling unit 32, and the personal identification number input unit 33 may all be constituted by a touch panel, and as shown in FIG. Except for the above, all mechanical keys may be used, or an arbitrary combination of a touch panel and mechanical keys may be used as in the present embodiment, and may be appropriately configured depending on the function such as the presence or absence of Braille.

FIG. 2 shows an example of the structure of an automatic teller machine having the operation panel shown in FIG. Here, 11 is a transaction execution unit, which monitors the input of the personal identification number and the input of the amount of money,
If it is not entered correctly, operation guidance will be provided to facilitate the transaction. As mentioned above, the order of inputting the personal identification number and the amount of money is not specified, so the next input may be confusing. Therefore, for example, if the amount of money is not input after a predetermined time has elapsed after the personal identification number is input, the user is prompted to input the amount of money.

A card reading unit 12 reads the contents of the inserted card. Reference numeral 13 denotes a memory in which a register (payment amount) 13a for adding the inputted amount of money and guide text data 13b for display are stored.

Reference numeral 15 denotes a display unit, which is displayed by the display control unit 16 in FIG.
A payment amount input section 31, a processing cancellation section 32, an initial screen, and operation guide text for input promotion are displayed. Reference numeral 14 denotes a touch panel, which is arranged on the display screen and outputs position information touched by a finger. A touch key input unit 17 analyzes the pressed key from the position information and the key arrangement information 18 from the touch panel 14 and notifies the transaction processing unit 24 of it.

Reference numeral 19 is a key input section, which includes a ten-key pad 38 and a correction key.
Composed of 39. 40 is 4 lamps, PIN is 1
Each time a digit is entered, it lights up one by one. When the correction key 39 is pressed, the last entered digit is canceled,
The lamp 40 corresponding to the digit turns off.

A communication control unit 20 communicates with the center device. Reference numeral 21 is a voice guidance unit, which outputs an operation guidance sentence by voice when the receiver (voice output unit 23) is picked up. For the standard guidance, the guidance text corresponding to the transaction execution is retrieved from the voice guidance text data storage unit 22 and converted into voice. The added payment amount is edited and notified by voice each time.

Reference numeral 24 is a transaction processing unit, collation unit 25 inquires the entered personal identification number to the center device, and addition unit 28 adds the amount input from touch key input unit 17 to the contents of (payment amount) 13a. Then, the (payment amount) 13a is updated, and when the confirmation key 35 is pressed, the contents of the (payment amount) 13a are confirmed as the payment amount and the center device is notified. When the payment permission is notified, the transaction processing unit 24 instructs the cash handling device 27,
(Payment amount) The bill 28 corresponding to the amount 13b is paid out to the bill outlet.

The structure of the operation panel shown in FIG. 3 is as follows. In the payment amount input section 31, the amount key 34 is "1.
It is composed of keys of "10,000", "30,000", and "50,000", and together with the confirmation key 35, is enlarged and the touch area is enlarged. With this, for example, when inputting 100,000 yen,
First, if you press the "50,000" key, 50,000 yen will be displayed in the amount display area.
Is displayed, press the "50,000" key again. As a result, 100,000 yen is displayed on the amount display section 36. When the confirmation key 35 is pressed here, the payment amount "100,000 yen" is confirmed. The clear key 37 is for clearing the input amount of money displayed on the amount of money display section 36, not for inputting the personal identification number.

In the personal identification number input section 33, the ten-key pad 38 is for inputting a personal identification number, and any one of 0 to 9 is selected and input. Normally, the PIN is 4 digits, so enter 4 digits. Input digit display (lamp) 40 each time
Lights up. The correction key 39 is for correcting the input of the personal identification number, and each time the key is pressed, the digit entered last is canceled. At the same time, the lamp 40 goes out.

When the cancel key 41 of the processing canceller 32 is pressed,
The current transaction is canceled and the initial state is restored. 42
"Payment amount" and "PIN" are headings 42, the former is a screen display, and the latter is a stamp. Also, 44-a
Is Braille 44 corresponding to the heading 42, and 44-b is Braille 44 corresponding to each key.

Although not shown in the figure, Braille for the ten-key pad 38 is stamped on the top and bottom of each key or on the key top. The operation and the operation of the apparatus having the above-described configuration will be described. (Overall operation) See FIG. 4 (1) The device is initially in a card input waiting state. A guide message may be displayed on the display unit 15 "Please insert a card". (2) When the card is inserted, the payment amount input waiting state or (3) PIN input waiting state is entered.

In this state, when the payment amount is input and the personal identification number is input, (4) the dispensed banknotes are counted and dispensed, and (5) the card is ejected, so the customer pays cash. And receive the card.

Here, the payment amount is input as follows. Since the input of the personal identification number is as shown in the conventional example, the description will be omitted. However, as described in (Overall operation), the amount may be input after the amount is input. (1) First, 0 → register (payment amount) 13a. (2) Display the contents of (payment amount) 13a in the amount display section 36,
Wait for key input. In this case, 0 yen is displayed. (3) When the "10,000" key is pressed, (payment amount) 13a +
10,000 → (payment amount) 13a and updated (payment amount) 1
Display the contents of 3a.

When the "30,000" key is pressed (payment amount) 13
a + 30,000 → (payment amount) 13a and display the contents of (payment amount) 13a. When the "50,000" key is pressed, it is displayed as (payment amount) 13a + 50,000 → (payment amount) 13a. (4) When the clear key 37 is pressed, 0 → (payment amount) 13
Display 0 yen as a. (5) When the confirmation key 35 is pressed, the content of (payment amount) 13a is confirmed as the payment amount, and the withdrawal process is performed.

As described above, the amount of money is displayed by the amount key 34, and the displayed amount becomes the amount of payment. Although 0 → (payment amount) 13a is set by pressing the initial value and the clear key, 10,000 yen → (payment amount) 13a may be set.

As described above, according to the present invention, the payment amount input unit 31, the personal identification number input unit 33, and the processing cancellation unit 32 are provided on the same panel so that the user can input the personal identification number or the amount of money. With the configuration, the fixed amount of money can be entered and the amount is added for each input, which simplifies the operation and reduces the number of keys. It is possible to increase the size, and the operability can be improved.

In the above, the description has been made for the automatic cash dispenser only, but an ATM in which withdrawal, deposit, and transfer transactions can be selected.
When the equipment is widely used and applied to this ATM equipment,
When the withdrawal is selected, the payment amount input unit 31, the process cancellation 32, and the personal identification number input unit 33 may be displayed on the same screen, and the payment amount and the personal identification number may be input by the touch keys.

[0040]

As described above, according to the present invention, in the operation panel, the payment amount input section and the personal identification number input section are provided side by side so that both the personal identification number input and the amount input can be used. As for the amount input, a fixed amount can be input and the amount is added for each input, which simplifies the operation and reduces the number of keys, so increase the size of the keys. And the operability can be improved.

[Brief description of drawings]

FIG. 1 is a principle diagram of the present invention.

FIG. 2 is a configuration diagram of an embodiment.

FIG. 3 is a configuration diagram of an operation panel according to an embodiment.

[Fig. 4] Operation flowchart diagram

FIG. 5 is a diagram showing a payment amount input method.

[Figure 6] Appearance of cash dispenser

FIG. 7 is an explanatory view of a conventional example.

[Explanation of symbols]

1 Card insertion section 2 Banknote outlet 3 Operation panel 4 Display section 5 Numeric keypad 6 Correction key 70,000 yen key 8 Confirmation key 9 Cancellation key 10 Central processing unit CPU 11 Transaction execution section 12 Card reading section 13 Memory 13a Payment amount 13b Information Data 14 Touch panel 15 Display unit 16 Display control unit 17 Touch key input unit 18 Key layout information 19 Key input unit 20 Communication control unit 21 Voice guidance unit 22 Voice guidance sentence data storage unit 23 Voice output unit 24 Transaction processing unit 25 Verification unit 26 Addition unit 27 Cash handling device 28 Banknote 31 Payment amount input unit 32 Processing cancellation unit 33 PIN code input unit 34 Amount key 35 Confirmation key 36 Amount display unit 37 Clear key 38 Numeric keypad 39 Correction key 40 Input digit display unit, Lamp 41 Cancel key 42 Heading 43 Addition section 44 Braille 45 Customer operation section

Claims (7)

[Claims] 1. An automated teller machine, comprising a customer operation unit, for inputting a personal identification number and a payment amount from the customer operation unit to pay cash, wherein a plurality of amount keys for inputting a fixed amount and the amount. An addition unit that calculates the total amount of money input from the key for each input, an amount display unit that displays the total amount, a confirmation key that confirms and approves the displayed amount as the payment amount, and the payment amount A payment amount input unit having a clear key for resetting, a numeric keypad for inputting the personal identification number, and a personal identification number input unit having a correction key for correcting the input of the numeric keypad, and the payment transaction process during operation is stopped. An automatic teller machine, which is characterized in that a processing cancellation section having a cancellation key is installed in the same customer operation section. 2. The automatic teller machine according to claim 1, wherein the input data from the payment amount input unit and the input data from the personal identification number input unit are configured to be received in any order. 3. The automatic teller machine according to claim 1, wherein the payment amount input section and the personal identification number input section are each provided with a heading indicating that the input section is the input section. 4. The key top is formed to have a larger size compared to at least the other keys of the money amount key and the confirmation key among all the keys of the customer operation unit. The automatic teller machine according to claim 2 or 3. 5. The automatic teller machine according to claim 1, wherein the personal identification number input section is provided with an input digit display section for displaying the number of input digits. . 6. A key is attached to each key and the headline, and the transaction is performed by confirming an input by a voice response. Cash machine described. 7. The automatic cash payment according to claim 1, 2 or 3, or 4 or 5 or 6, wherein a predetermined amount is set as an initial value of the payment amount. Machine.