JPH10208111A - Automatic transaction device and display operation guide screen - Google Patents

Abstract

(57) Abstract: An object of the present invention is to provide an automatic transaction apparatus capable of reducing the number of operations and transaction time of a user and having a high effect of notifying the user of an account balance. An automatic transaction apparatus (1) according to the present invention includes a display operation unit (9) including a touch panel (9a) integrated CRT display device (9b) for displaying information to be input by a user and receiving information input by the user; A control device that, when the transaction input by the operation unit is not possible, causes the factor that the transaction is disabled to be displayed at a predetermined position on the display device of the display operation unit and displays a predetermined area of the screen display by blinking. 21. As a result, the time required for the automatic transaction device to be occupied, such as when the user enters the amount to be paid out beyond the balance, or when the user has to make a deposit and the balance required for the transfer is not secured but the deposit is required again. Be shortened.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus such as an automatic teller machine used by an unspecified user and used by financial institutions such as banks.

[0002]

2. Description of the Related Art In a financial institution such as a bank, a user is specified by a magnetic card or a passbook, and a cash dispenser that pays out the cash requested by the user, a cash payout in addition to the cash payout, and a cash deposit are required. Many automated teller machines, such as possible automated teller machines, are widely used.

[0003] In this type of automatic transaction apparatus, in addition to the above-described cash dispensing or cash depositing, a user inputs from cash entered by the user or a user's account specified by a card or passbook. Many transactions, such as a transfer transaction for transferring a predetermined amount of money to a designated partner, a transfer between accounts designated by a user, and an inquiry of an account balance, are also possible. Further, with the multifunctionalization of the automatic transaction apparatus, for example, an automatic transaction apparatus capable of continuously performing the above-described arbitrary transactions has been developed following confirmation of an account balance.

[0004] In the automatic transaction apparatus described above, for example, when the user's account balance is smaller than the payout amount requested by the user, the display unit indicates "insufficient balance". The display is displayed, and the card or the like inserted into the device is returned.

[0005]

In the above-described automatic transaction apparatus, even if a user requests a withdrawal after a balance is queried, the user can overlook the balance displayed on the display unit to obtain an account balance. Payments of higher amounts may be required. In this case, a display indicating “insufficient balance” and a display urging the user to correct the required amount of payout to the balance are displayed on the display unit. If the requested payment amount is not corrected within a predetermined time, the card is returned to the user. Therefore, there is a problem that payment cannot be made even though the automatic transaction apparatus is occupied. Further, there is a problem that the operating rate of the automatic transaction apparatus is reduced.

Similarly, for example, when a balance is queried and an additional deposit is made to match the amount to be transferred and a transfer transaction is started, the user overlooks the balance displayed on the display unit, and Has a problem that the balance of the account is smaller than the amount to be transferred. Therefore, it becomes necessary to additionally pay, and the operating rate of the automatic transaction apparatus is reduced.

Further, for example, when a shortage is paid after referring to a balance for automatic settlement automatically paid out from a user's account balance, the user overlooks the balance displayed on the display unit. There is a possibility that the balance of the account after the payment is less than the required settlement amount, and as a result, the settlement is stopped and the trust of the user is impaired. An object of the present invention is to provide an automatic transaction apparatus that has a high effect of notifying a user of an account balance and can reduce the time occupied by the user.

[0008]

SUMMARY OF THE INVENTION The present invention has been made based on the above problems, and specifies an account of a user in an automatic transaction apparatus for automatically performing cash transactions with respect to each user's account. Receiving unit for receiving a medium on which information for recording is recorded, display means for displaying an operation guide screen to the user, and use of the medium accepted by the receiving unit in the user's account. And a display control means for causing the display means to blink the balance information on which the user can make a transaction on the display means.

[0009] The present invention also provides an automatic transaction apparatus for automatically transacting cash to an account of each user.
A receiving unit for receiving a medium on which information for identifying the user's account is recorded, and displaying an operation guidance screen to the user, and performing a transaction by the user based on the display content of the operation guidance screen. Input means for inputting information for carrying out the transaction, and the display input means accepts, at the receiving unit, when displaying a money input screen for designating a money amount for performing a cash transaction. And a display control means for causing the display means to blink the balance information on which the user can make a transaction in the account of the medium provided.

[0010] Further, the present invention provides an automatic transaction apparatus for automatically performing a cash transaction with respect to each user's account, and a medium receiving unit for receiving a medium recording information for specifying the user's account. And a depositing port for accepting cash for the user to make a transaction, display means for displaying an operation guide screen for the user, and when performing a depositing transaction for depositing cash in the user's account, When displaying an operation guide screen for depositing cash into the deposit port on the display means, the balance information before performing the deposit transaction in the account of the medium accepted by the receiving unit is also displayed on the display means. And a display control means for causing the automatic transaction device to blink.

[0011] Still further, according to the present invention, in an automatic transaction apparatus for automatically performing a cash transaction with respect to each user's account, a receiving unit for receiving a medium in which information for specifying a user's account is recorded. Display means for displaying an operation guide screen to the user, and designating means for designating the amount of the withdrawal transaction when conducting a withdrawal transaction for dispensing cash from the user's account, The withdrawal amount designated by the designation means is compared with the balance amount which can be transacted by the user in the medium account accepted by the receiving section, and the withdrawal amount designated by the user is determined by the transaction. Display control means for blinking information on a balance amount that can be traded together with a guidance display indicating that the balance is insufficient on the display means when the balance amount is larger than a possible balance amount. Provide automatic transaction equipment Is shall.

[0012]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 shows an automatic cash deposit system installed at a financial institution such as a bank for a customer, for example, for depositing cash, withdrawing (dispensing) cash, transferring, transferring, checking an account balance, and filling in a passbook. It is the schematic which shows the automatic transaction apparatus 1 as a dispensing machine.

As shown in FIG. 1, the automatic transaction apparatus, that is, the automatic teller machine 1 has a housing 2, and a service operation unit 3 is formed on the front surface of the housing 2. Customer service section 3
Has a passbook mouth 4, which accepts a magnetic passbook as a transaction medium,
A card slot 5 for accepting a magnetic card as a transaction medium on which a personal identification number, an account number, etc. are recorded or a transfer ticket at the time of a transfer transaction, and discharging a statement (receipt) on which the transaction details are printed, and operation guidance and operation A speaker 6 for guiding the procedure by voice is provided.

The customer service operation unit 3 is also capable of receiving a large number of bills in a lump, and is used for a bill slot 7 for dispensing dispensed bills in a lump and also for delivering coins. A coin slot 8 is provided.

The customer service operation unit 3 is further provided with a transparent touch panel 9a through which predetermined information can be input by touching the surface with a finger, and a lower surface of the touch panel 9a. Is provided with a display operation unit 9 for customers on which a color CRT display device 9b for providing a screen for displaying the display is displayed.

The display operation unit 9 displays operation guides, operation procedures, and other information by displaying characters, character strings, illustrations, or image information to guide the user's operation and input various information necessary for transactions. Displays various operation keys such as kana, numbers, and alphabets to be used. When a user touches a segment of the touch panel 9a corresponding to the displayed operation keys with a user's finger, desired input is performed.
(Such as inputting various information).

The touch panel 9a is, for example, a transparent screen, and detects a position on the panel touched by a user (customer) finger by, for example, a change in capacitance, shielding of infrared rays, or shielding of ultrasonic waves. Is what you do.

As will be described later with reference to FIG. 2, data is read from the magnetic stripe of the passbook inserted into the passbook mouth 4 or the result of the transaction is written inside the automatic teller machine 1, and the A passbook printing unit 11 for printing a specific message is arranged corresponding to the passbook mouth 4.

The inside of the automatic teller machine 1 also reads data from a transfer ticket or a magnetic stripe of a magnetic card inserted into the card slot 5, writes a result of the transaction, and further prints the details of the transaction. A slip processing unit 12 for issuing a slip (receipt) and a magnetic card reader 13 are arranged corresponding to the card slot 5.

At a position corresponding to the bill slot 7, the bills fed into the bill slot 7 are received, discriminated, counted and stored, and a predetermined number of bills stored in a safe (not shown) are taken out. The banknote pay-in / pay-out unit 14 which collectively pays out to the banknote slot 7, and sorts coins inserted in the coin slot 8 in a mixed state at a position corresponding to the coin slot 8, inspects, counts, and stores the coins. A coin receiving / dispensing unit 15 for taking out a predetermined number of coins stored in a coin storage unit (not shown) and paying out the coins to the coin slot 8 collectively is arranged.

A control device 20, which will be described in detail below with reference to FIG. 2, is provided below the automatic teller machine 1. FIG. 2 is a block diagram schematically showing a configuration of the automatic teller machine shown in FIG. 1 and a configuration of a control device.

As shown in FIG. 2, the automatic teller machine 1 includes a passbook printing section 11 connected to the passbook slot 4, a slip processing unit 12 and a magnetic card reader section 13 connected to the card slot 5, A bill receiving / dispensing unit 14 integrally including the bill opening 7, a coin receiving / dispensing unit 15 integrally including the coin opening 8, a voice guiding unit 16 for outputting a voice signal of an operation guide and an operating procedure to the speaker 6, It comprises a customer service unit 17 including a touch panel 9a of the display operation unit 9 and a control unit of the color CRT display device 9b, a staff unit 18 including an internal monitor, a power supply unit 19, and the like.

The respective units and devices are as follows:
It is operated by the main control unit 21 of the control device 20. In addition,
The main controller 21 is operated based on a program stored in a read only memory (ROM) 22.

The main control unit 21 includes, for example, the display operation unit 9.
RAM23 as a storage unit for temporarily storing the name of the destination, account number, payment amount, payment instruction, payment instruction, the amount of inserted bills and coins, the number of coins, etc. In response to the operation of the unit 17, the floppy disk drive 24 for reading data while writing data to a floppy disk used for inputting data from the outside or outputting data to the outside, and the automatic depositing machine 1 A clock / calendar 25 for managing the date and time as an operation reference, a transmission control unit 26 for controlling communication with a host computer (not shown) and data transfer are connected.

The passbook printing unit 11 reads data from the magnetic stripe of the passbook received from the passbook mouth 4 and writes the result of the transaction. The requirements are printed on the passbook as necessary.

The slip processing unit 12 issues a statement (receipt) on which the details of the transaction are printed, and discharges the slip from the card slot 5 together with the card. The magnetic card reader unit 13 reads data from a magnetic card received from the card slot 5 or a magnetic stripe of a transfer ticket, and writes a result of the transaction.

The banknote depositing / dispensing unit 14 receives, discriminates, counts, and stores the banknotes put into the banknote slot 7 all at once, and if necessary, picks up a predetermined number of banknotes stored in a safe in advance. And pay out all at once from the bill slot 7.

The coin receiving / dispensing unit 15 receives, discriminates, counts, and stores coins which have been collectively inserted into the coin slot 8, and takes out a predetermined number of coins previously stored in a safe, as necessary. And pay it out from the coin slot 8 in a lump.

The voice guidance unit 16 outputs a voice signal to the speaker 6, and allows the user to output the operation guidance and the operation procedure by voice. The service unit 17 controls the main control unit 21 to display a predetermined display on the CRT display device 9b, and notifies the main control unit 21 of data input from the touch panel 9a.

The internal monitor 18 notifies the clerk of the operation state of the automatic transaction apparatus 1 and inputs an operation instruction by the clerk. The power supply unit 19 usually converts an input commercial AC voltage into a DC voltage and supplies it to each unit as an operation power supply. The power supply unit 19 has a battery (not shown) for supplying power for operation in place of the commercial AC voltage when a power failure occurs, and is charged as necessary by a charging circuit (not shown).

The main control unit 21 controls the operation inside the apparatus corresponding to a predetermined transaction such as deposit, withdrawal or transfer, and secures communication with the host computer and transmits data to the transmission control unit 26. The customer service unit 17 is operated in order to instruct the execution of the delivery and various displays on the display unit 9.

The main control unit 21 also controls the automatic transaction apparatus 1 when the remote monitor 27 is connected as necessary.
It can be monitored from outside or from a distance. The remote monitor 27 is controlled by the main controller 21 to display substantially the same information as the internal monitor 18 and, if an abnormality occurs, drives a buzzer (not shown) or the like to notify the outside.

The RAM 23 records various data and, for example, the operation status of the automatic transaction apparatus 1 and various information and transaction records. The floppy disk drive 24 is
By the floppy disk 24a supplied from the outside,
Fetch various information of financial institution necessary for transfer transaction, for example, bank name (and branch name) as financial institution name.

The transmission control unit 26 is connected to a host computer (not shown) through a communication line (not shown), and transmits, for example, a reciting number input on the display / operation unit 9 to the host computer through communication with the host computer, and pays out. The main control unit 21 is notified of the possible amount of money and the permission of the payout.

Next, an example of the operation of the automatic teller machine 1 shown in FIGS. 1 and 2 will be described. FIG. 3 to FIG.
It is the schematic which shows the example of the screen display transmitted through the touch panel 9a of the display operation part 9 and displayed on the CRT display device 9b, Comprising: The balance inquiry screen used for the balance inquiry of a user's account, The example of the cash addition input screen displayed when paying out and transferring in money (payout) is shown.

As shown in FIG. 6, for example, when "balance inquiry" is selected by the touch panel 9a and a magnetic (cash) card is inserted into the card slot 5, the main controller 2
The communication with the host computer is ensured by the control of the transmission control unit 26 by 1 and the data corresponding to the account number read from the magnetic card inserted by the magnetic card reader unit 13 is accessed. Next, a password input screen (not shown) is displayed. In this state, when a password is input by the user from the touch panel 9a, the host computer determines whether the input password is correct or not. Hereinafter, the balance of the corresponding account is notified to the main control unit 21 on condition that the input password is correct.
(S1).

In step S1, the main control unit 21
When the balance is notified, the main control unit 21 sends the customer service unit 1
7, a predetermined control signal is output so as to display the screen display of the balance inquiry on the CRT display device 9 b of the display operation unit 9. At the same time, a flicker signal is output so as to turn off the display for the area corresponding to the balance in the screen display shown in FIG. 3, that is, the area 31 previously allocated to display the number string corresponding to the balance at a predetermined interval. Is done. Thus, the area 31 shown in FIG. 3 is flickered (blinks) at predetermined intervals. On this screen display, at the same time, a transaction content setting screen that can set either the transaction end (balance check), deposit or withdrawal (withdrawal) is displayed, and the user sets one of the transactions, The following screen display appears (S
2).

In step S2, the touch panel 9a
When, for example, withdrawal (payout) is selected, a password input screen (not shown) is displayed again (S3).
. Thereafter, the host computer checks whether the input password is correct or not, and, on condition that the input password is correct, a payout amount input screen shown in FIG. 4 is displayed. The payout amount input screen includes a numeric key 41 assigned with numbers “0” to “9” used for inputting the payout amount, and a character number “10,000” assigned with a digit character for specifying the digit of the amount. Key 42 and “thousand” key 4
3. Input amount display section 44 for displaying the input amount, “Yen” key 4 for fixing the amount (inputting the end of the amount input) 4
5. "Cancel" key 47 for canceling input on screen 40;
A "correction" key 48 for correcting the input character and an area 49 for displaying a numeric string corresponding to the current balance are displayed.

In this case, the area 49 for displaying the number string corresponding to the balance is flickered (flashed) at predetermined intervals as shown in FIG. 4 (S4).
In step S4, when the payout amount is input through the touch panel 9a, the balance, that is, the payable amount is referred to the host computer under the control of the transmission control unit 26 (S5).

Here, if the balance is larger than the inputted payout amount, the refusal of the payout due to the insufficient balance does not occur (S6-YES). Each coin slot 8 is paid out (S7).

On the other hand, if the balance is smaller than the input payout amount, the payout is rejected due to insufficient balance (S6-NO), and a payout impossible screen due to insufficient balance, which will be described later with reference to FIG. (S8).

In step S2, for example, when a deposit is selected by the touch panel 9a, a cash input screen shown in FIG. On the cash input screen, an area 51 for displaying pictograms and operation guidance messages for prompting the insertion of bills and coins into the bill slot 7 and the coin slot 8, respectively, and a numeric string corresponding to the current balance,
In addition, a confirmation key 52 for prompting the user to confirm whether or not the amounts of the inserted bills and coins are acceptable is displayed. In this case,
As shown in FIG. 5, an area 51 for displaying a numeric string corresponding to the balance has flickering at predetermined intervals.
(Flashing) is performed (S11).

FIG. 7 is a schematic diagram showing an example of the display of the non-payable screen due to insufficient balance shown in FIG. As shown in FIG. 7, in the payout amount input screen (FIG. 4), when the balance is smaller than the input payout amount, the balance is insufficient, and the balance, that is, within the range of the payable amount. Then, a message notifying the user that the payout amount needs to be input again, and an area 71 for displaying the balance are displayed. In this case, the area 71 for displaying the balance is flickered (blinks) at predetermined intervals.

As described above, according to the automatic teller machine of the present invention, the balance of the user's account is notified with emphasis by flickering. As a result, for example, the current balance that may be overlooked by the inquiry can be appealed to the user.

[0045]

As described above, according to the present invention,
In transactions such as withdrawal or remittance using an automatic transaction device, the user may need to enter a withdrawal amount beyond the balance, or the deposit may be required but the balance required for remittance may not be secured, and payment may be required again. The time that the automatic transaction device is occupied is reduced. Further, the operation time by the user, that is, the time required for each transaction by the automatic transaction apparatus is reduced, and the waiting time of the user is suppressed.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing an automatic transaction apparatus to which an embodiment of the present invention is applied.

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

FIG. 3 is a schematic view showing an example of a display of a balance inquiry screen in the automatic transaction apparatus shown in FIGS. 1 and 2;

FIG. 4 is a schematic diagram showing an example of a display of a payout amount input screen in the automatic transaction apparatus shown in FIGS. 1 and 2;

FIG. 5 is a schematic diagram showing an example of a cash addition input screen display in the automatic transaction apparatus shown in FIGS. 1 and 2;

FIG. 6 is a flowchart showing an example of the operation of the automatic transaction apparatus shown in FIGS. 1 and 2;

FIG. 7 is a schematic diagram showing an example of a display of a non-payable screen due to insufficient balance in the automatic transaction apparatus shown in FIGS. 1 and 2;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus, 3 ... Hospitality operation part, 4 ... Passbook opening, 5 ... Card opening, 6 ... Speaker, 7 ... Bill opening, 8 ... Coin opening, 9: Display operation unit for customer 9a: Touch panel 9b: CRT display device 11: Passbook printing unit 12: Slip processing unit 13: Magnetic card reader unit 14・ ・ ・ Bill receiving / dispensing unit, 15 ・ ・ ・ Coin receiving / dispensing unit, 16 ・ ・ ・ Voice guidance unit, 17 Control device, 21: Main control unit, 22: ROM, 23: RAM, 24: Floppy disk drive device, 25: Clock / calendar, 26: Transmission control unit

Claims (9)

[Claims] An automatic transaction apparatus for automatically transacting cash to an individual account of a user, comprising: a receiving unit for receiving a medium on which information for specifying a user's account is recorded; Display means for displaying an operation guide screen, and display control for blinking the balance information on which the user can make a transaction on the user's account from the medium accepted by the receiving unit on the display means. Means, and an automatic transaction device comprising: 2. The system according to claim 1, wherein the display controller is configured to select a transaction for designating a next transaction to the user while the display means is displaying blinking balance information that the user can transact. 2. The automatic transaction apparatus according to claim 1, wherein a key is displayed. 3. An automatic transaction apparatus for automatically transacting cash to an individual account of a user, comprising: a receiving unit for receiving a medium on which information for specifying a user's account is recorded; A display input means for displaying information for conducting a transaction by a user based on the display contents of the operation guide screen, and When displaying an amount input screen for designating an amount for performing a cash transaction, the balance information on which the user can make a transaction is blinked on the display means on the medium account accepted by the accepting unit. And a display control means for causing the automatic transaction apparatus to perform the processing. 4. An automatic transaction apparatus for automatically transacting cash to an individual account of a user, comprising: a medium receiving unit for receiving a medium on which information for specifying the user's account is recorded; A deposit port for accepting cash for a user to conduct a transaction, a display means for displaying an operation guide screen to a user, and a deposit transaction for depositing cash into a user's account.
When displaying an operation guide screen for depositing cash into the deposit port on the display means, the balance information before conducting a deposit transaction in the account of the medium accepted by the accepting unit is also displayed. And a display control means for causing the means to blink. 5. An automatic transaction apparatus for automatically transacting cash to individual accounts of a user, comprising: a receiving unit for receiving a medium on which information for specifying a user's account is recorded; A display means for displaying an operation guide screen for the user; a designation means for designating the amount of the withdrawal transaction when conducting a withdrawal transaction for dispensing cash from the user's account; The withdrawal amount specified by the user is compared with the balance amount that can be traded by the user with the medium account accepted by the receiving unit, and the withdrawal amount specified by the user is the balance amount that can be traded. An automatic transaction apparatus, comprising: a display control unit that blinks information on a balance amount that can be traded, in addition to a guidance display indicating that the balance is insufficient on the display unit when the number is larger. 6. A method for displaying an operation guide screen in an automatic transaction apparatus for automatically transacting cash to individual accounts of a user, the method comprising displaying a medium on which information for specifying a user's account is recorded. A method of displaying an operation guide screen of an automatic transaction apparatus, comprising: displaying, on a display means, balance information on which a user can make a transaction from a received medium from the accepted medium to a user's account. 7. A method for displaying an operation guide screen in an automatic transaction apparatus for automatically transacting cash to individual accounts of a user, the method comprising displaying a medium on which information for specifying a user's account is recorded. Accepting, when displaying the amount input screen for designating the amount for the user to make a cash transaction, in the account of the accepted medium, the blinking display of the balance information that the user can trade. Characteristic display method of operation guidance screen of automatic transaction device. 8. A method for displaying an operation guide screen in an automatic transaction apparatus for automatically performing a cash transaction for each user's account, wherein a deposit transaction for depositing cash into a user's account is performed.
When a medium in which information for specifying a user's account is recorded is received from a medium receiving port, and when the user receives cash for performing a transaction from the receiving port, the cash is received at the receiving port. A method for displaying an operation guide screen of an automatic transaction apparatus, comprising displaying an operation guide screen and blinking balance information before performing a deposit transaction in an account of a medium accepted by the receiving unit. 9. A method for displaying an operation guide screen in an automatic transaction apparatus for automatically performing cash transactions for individual accounts of a user, wherein when performing a withdrawal transaction for withdrawing cash from a user's account. And accepting a medium in which information for identifying a user's account is recorded from the receiving unit, and specifying an amount for performing a withdrawal transaction, and accepting the specified withdrawal amount and the receiving unit. Compares the balance amount that can be traded by the user with the account of the provided medium, and displays a guide indicating that the balance is insufficient if the withdrawal amount specified by the user is larger than the balance amount that can be traded A method of displaying an operation guide screen of an automatic transaction apparatus, wherein information on a balance amount that can be traded is displayed in a blinking manner in combination with the information.