JP2781015B2 - Automatic trading system - Google Patents

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system that is installed in a financial institution such as a bank and performs a certain transaction process by a customer's own operation.

[Prior Art] The automatic transaction system includes a display unit used to display an instruction of an operation to be performed by a customer and information input by the customer, and an input for the customer to input information based on an operation instruction from the display unit. Unit, a customer information storage unit in which past transaction information is filed for each customer, a main control unit that controls operations of these units and performs predetermined transaction processing based on information input from the input unit, and the like. I do.

In an automatic transaction system used for deposit transactions and payment transactions in financial institutions such as banks, a display unit, an input unit, and a main control unit of the above-described components are usually installed in an automatic transaction corner of a store. The information processing unit is provided in an automatic transaction device, and the customer information storage unit is provided in a device on the information center side such as a host computer for exchanging information with the automatic transaction device.

FIG. 2 shows an external view of an automatic transaction apparatus in a conventional automatic transaction system.

The automatic transaction device 1 is installed in an automatic transaction corner of a bank or the like, and processes a plurality of transactions such as “payment”, “payment”, “passbook entry”, and “transfer / transfer”.

To be more specific, a handling subject display unit 2 and a use stop display unit 3 are provided at the upper part of the front of the apparatus 1, and a passbook insertion / ejection slot 4 and a card insertion / ejection slot 5 are provided slightly below them.
A coin insertion / ejection port 6, a bill insertion / ejection port 7, a display section 8, and an input section 9 are provided slightly below these.

The transaction item display unit 2 displays transaction items that can be currently processed by the apparatus 1. In this example, “deposit”, “payment”, “bookkeeping”, “transfer / transfer”, and the like are performed. Is displayed.

The use stop display unit 3 displays whether or not the device 1 is in a usable state.

The passbook insertion / ejection port 4 is a part for reading out certain information (account number or the like) from the passbook held by the customer or for putting the passbook in and out of the apparatus in order to print transaction contents on the passbook.

The card processing unit 5 is a part for taking out and inserting a card in the apparatus in order to read out certain information from a magnetic card held by a customer.

The coin insertion / ejection port 6 and the bill insertion / ejection port 7 are used to deposit or withdraw coins or bills to be traded, respectively.

The display unit 8 uses a CRT, and performs an instruction of an operation to be performed by the customer, a display of information input by the customer, and the like.

The input unit 9 is of a so-called touch sensor type, and has a surface shape that covers the screen of the display unit 8. When the customer touches the input unit 9, the input unit 9 is displayed below the touched position by the display unit 8. The content indicated by the operation key is input.

The operation of the conventional system using this automatic transaction device 1
This will be described with reference to FIG.

FIG. 3 shows a procedure for processing a payment transaction using a card, and the instruction contents of the display unit 8 and the key arrangement of the input unit 9 in each procedure.

Initially, the screen of the display unit 8 is a so-called transaction selection screen, and displays a guidance message instructing selection of a transaction desired by a customer and a key of each transaction to be selected.

On this transaction selection screen, select the payment transaction (step
100) except replacing the screen code a, and displays the guidance words a ₁ and FIG. A ₂ instructing insertion of the card, the card insertion waiting.

Next, insert the card (step 101), the display on the screen of the b is instead, an operation guide sentence b ₁ to instruct the input of the personal identification number for the customer confirmation, numeric keypad b ₂ for the personal identification number input
And are displayed.

Next, when a password is input (step 102),
changing the display to the c-screen of, an operation guide sentence c ₁ to instruct the input of the payment amount, the key for the amount of money input (the numeric keypad, ten thousand, thousand, such as a circle key) to display and c _2.

Next, when the payment amount is input (step 103),
changing the display to the d-screen, displays the operation guide sentence d ₁ in order to confirm or correct with respect to the payment amount you enter, and the payment amount d ₂ input, and a key d ₃ for confirmation and correction.

Next, when the confirmation key is pressed (step 104),
changing the display to e screen, to display the guide statement e ₁ of the "Please wait", carry out the communication with the center.

In the communication with the center, the balance inquiry and the like in the customer's account are performed, and when it is determined that the transaction is possible, the payment amount is counted from the safe in the device, and the card is ejected when the counting is completed (step). along with the 105), changing the display on the screen of the f, displays the operation guide sentence f ₁ to indicate the receipt of the card.

Then, when the customer receives the card, the cash of the payment amount is discharged (step 106), and the display is changed to the screen of g,
"Please take your cash. Thank you" to display the guide sentence g ₁ of, to end the payment transaction.

[Problems to be Solved by the Invention] By the way, for example, there is a case where a customer wants to attach a message to a transfer destination when transferring.

However, as shown in the exemplified transaction processing, the conventional automatic transaction system merely executes a transaction and cannot respond to a request such as a message.

Therefore, when trading with the conventional automatic trading system,
When a message is to be sent to a business partner or the like, there is a problem that the message must be relied on another communication means such as telephone or mail.

The present invention has been proposed as a problem to be solved to solve the above-mentioned problem, and it is possible to input and output arbitrary information such as a message desired by a customer, and therefore to enhance the use value of the system and improve customer service. The purpose of the present invention is to provide an automatic transaction system capable of performing the following.

[Means for Solving the Problems] An automatic transaction system according to the present invention performs a certain transaction process by a customer's own operation, and includes a display unit, an input unit, a customer information storage unit, a printing unit, A main control unit.

Here, the display unit displays an instruction of an operation to be performed by the customer and information input by the customer. The input unit is for a customer to input information based on an operation instruction from the display unit.

The customer information storage unit stores past transaction information for each customer, and the printing unit prints transaction details and the like.

Further, the main control unit controls the operation of each of these units, and performs a predetermined transaction process based on information input from the input unit.

The main controller has an arbitrary information input function, an arbitrary information storage function, and an arbitrary information output function.

Here, the arbitrary information input function is a function that allows input of arbitrary information desired by the customer using the display unit and the input unit.

The arbitrary information storage function is a function of storing information input by the arbitrary information input function together with a keyword.

The optional information output function is a function of outputting information held by the optional information storage function as a screen display on the display unit or a hard copy in a printing unit, on condition that the keyword is input.

[Operation] In the automatic transaction system according to the present invention, for example, when a customer wants a message to a transfer destination during a transfer transaction, the message can be input using an arbitrary information input function provided in the main control unit. it can.

Then, the message, which is the input arbitrary information, is held by the optional information storage function together with the keyword. In this case, if the keyword is the account number of the transfer destination, the message is output by the optional information output function and transmitted to the transfer destination when the account number is input to withdraw money at the transfer destination.

In addition, for example, even when depositing and withdrawing transactions are performed on the user's account, if the purpose of the transaction amount is input using the arbitrary information input function, the information is left in a hard copy using the arbitrary information output function. It can also be used as a memo.

Also, in the case where a single account is used by multiple members of a family, if each user uses the account number as a keyword and inputs arbitrary information in a timely manner, it can be used for information transmission between these multiple people. You can also.

Further, if the keyword is not limited to the transaction account number and the like and the encryption or the like which is not related to the transaction information is used as the keyword, it can be used regardless of the transaction, which is more convenient as a customer service.

That is, the automatic transaction system according to the present invention can be conveniently used not only for executing a preset transaction but also for freely exchanging information and transmitting information between customers using the system. The value of the system can be increased and customer service can be improved.

Embodiment FIG. 1 is a block diagram showing a configuration of an embodiment of the present invention.

The automatic transaction system according to this embodiment processes a plurality of transactions such as "payment", "payment", "passbook entry", and "transfer / transfer" by a customer's own operation in a financial institution such as a bank. Yes, an automatic transaction device 10 installed at the automatic transaction corner of the store, and a device on the information center side such as a host computer that communicates information with the automatic transaction device 10
It is composed of 30 and.

The automatic transaction device 10 controls the operation of each unit connected to the main control unit 11 by the main control unit 11.

The units connected to the main control unit 11 include a handling item display unit 12, a use stop display unit 13, a card reader printer 14, a passbook entry machine 15, a banknote depositing / dispensing machine 16, and a coin depositing / dispensing machine.
17, display unit 18, input unit 19, program storage unit 20, communication control unit 21, storage unit 22, arbitrary information storage unit 23, fixed information storage unit
24 and others.

The handling item display unit 12 displays a transaction item that can be currently processed by the device 10, and in this example, “deposit”,
"Payment", "bookkeeping", "transfer / transfer" and the like are displayed.

The use suspension display unit 13 displays whether or not the device 10 is ready for use (transaction).

When a magnetic card owned by a customer is inserted, the card reader printer 14 reads information such as an account number recorded on a magnetic stripe on the card. In addition, the card reader printer 14 is provided with a printing unit, and at the time of a transaction using a card, a statement slip or the like is issued by the unit.

When a passbook owned by a customer is inserted, the passbook entry machine 15 reads information such as an account number recorded on a magnetic stripe attached to the passbook. In addition, this passbook entry machine 15
Also, a printing unit is provided, and at the time of a transaction using a passbook, the printing of transaction data on the passbook is also performed by the unit.

The banknote pay-in / pay-out device 16 discriminates and counts the banknotes inserted by the customer at the time of the transaction, and counts and pays out the banknotes corresponding to the payment amount requested by the customer from a built-in safe.

The coin depositing and dispensing machine 17 discriminates and counts coins inserted by a customer at the time of a transaction, and counts and pays out coins corresponding to a payment amount requested by the customer from a built-in safe.

The display unit 18 uses a CRT, and performs an instruction of an operation to be performed by the customer, a display of information input by the customer, and the like.

The input unit 19 is a so-called touch sensor type,
When the customer touches the surface of the display unit 18, the contents indicated by the operation keys displayed by the display unit 18 are input below the touched position. The input unit 19
Thus, selection of a transaction subject, input of a password and a transaction amount, correction / confirmation of the input information, and the like are performed.

The program storage unit 20 stores a program used by the main control unit 11 to control the operation of each unit connected to the main control unit 11. The program stored in the program storage unit 20 is, in the case of this embodiment,
A program 20a for a deposit transaction, a program 20b for a payment transaction, a program 20c for a bookkeeping transaction, a program 20d for a transfer / transfer transaction, and a program 20e for a word processor for inputting arbitrary information described later. .

The communication control unit 21 is for transmitting and receiving information to and from the communication control unit 31 in the device 30 on the information center side.

The storage unit 22 stores information handled by the communication control unit 21.

The optional information storage unit 23 is for temporarily storing optional information described later. The fixed information storage unit 24
Is for storing kanji conversion data and the like necessary for executing the word processor program 20e stored in the program storage unit 20. These optional information storage unit 23 and fixed information storage unit 24 may use a storage unit built in main control unit 11, or may be an external memory.

The center-side device 30 includes a communication control unit 31, a center control unit 32, a file control unit 33, a customer information storage unit (ledger file) 34, and the like. Are accessible online.

The customer information storage unit 34 stores various information such as an account number, a password, and past transaction information for each customer (account).

The main control unit 11 of the automatic transaction apparatus 10 has, as characteristic functions, an arbitrary information input function, an arbitrary information storage function, an arbitrary information output function, and an arbitrary information rewriting function.

The optional information input function uses the display unit 18 and the input unit 19 at the time of a transaction to provide optional information desired by the customer (for example,
Message, etc.). In the case of this embodiment, specifically, when the input of the customer's password is completed during the transaction, communication with the center is performed for collation of the password, etc., and after this communication, the display unit 18 and the input Part 19
Is used to display a guidance message for instructing input of arbitrary information and an input key for inputting arbitrary information, thereby enabling input of arbitrary information desired by the customer. The program used for inputting the arbitrary information is stored in a program storage unit.
This is a program 20e for 20 word processors.

The optional information storage function is to hold information input by the optional information input function together with a keyword. In this embodiment, an account number is used as a keyword. The circuit for holding the optional information together with the keyword is finally the customer information storage unit 34, but the optional information storage unit 23 is temporarily stored until the communication with the device 30 on the center side. used.

The optional information output function reads the information stored in the customer information storage unit 34 by the optional information storage function on condition that the keyword is input at the time of the transaction, and outputs the information to the display unit 18 to display the information on the screen. Or a hard copy at the printing unit of the card reader printer 14 or the printing unit of the passbook entry machine 15. The above-mentioned “on condition of keyword input” specifically indicates a case where transactions are made to the same account number.

The optional information rewriting function rewrites the content of the optional information stored in the customer information storage unit 34 by the optional information storage function. In this embodiment, the optional information stored by the optional information storage function is limited to 50 characters per account, and the old optional information is deleted by newly storing the optional information. .

Next, the processing operation of the system of the embodiment will be described with reference to FIG.

FIG. 4 shows a procedure for processing a payment transaction using a card, a display content of the display unit 18 and a key arrangement of the input unit 19 in each procedure.

Initially, the screen of the display unit 18 is a so-called transaction selection screen, and displays a guidance message instructing selection of a transaction desired by the customer and a key of each transaction to be selected.

When the customer selects a payment transaction on this transaction selection screen (step 200), the payment program 2 in the program storage unit 20
Start the process by 0b.

First, changing the display on the screen of the code A, and displays the guidance words A ₁ and FIG. A ₂ to direct insertion of the card, the card insertion waiting.

Next, the customer inserts the card (step 201).
If, instead of the display on the screen of the B, the operation guide sentence B ₁ to instruct enter the input of the personal identification number for the customer confirmation, displaying the numeric keypad B ₂ for the personal identification number input.

Next, a personal identification number is input by the customer (step 20).
2) and the first communication with the center device 30 is performed.

FIG. 5A shows an example of a format of an electronic message (upward electronic message) from the communication control unit 21 of the device 10 to the communication control unit 31 of the device 30 in the first communication, and FIG. An example of the format of a message (downward message) from the communication control unit 31 of the device 30 to the communication control unit 21 of the device 10 in the first communication is shown.

As shown in the figure, the upstream message includes an account number (data obtained by reading the magnetic stripe on the inserted card) 40, a password (data input in step 202) 41, and an output request for registered arbitrary information (main control). (Output by the function of an arbitrary information output function of the unit 11) and other information 43.

As shown in the figure, the telegram sent from the center is the account number
50, password OK (issued only when the password stored in the customer information storage unit 34 of the center matches the password in the upstream message) 51, registered arbitrary information (customer information storage unit 34 of the center) , Arbitrary information 52 stored together with the account number 50.

When the communication message is received by the communication control unit 21, the communication control unit 21
The arbitrary information entered in 21 is temporarily stored in the storage unit 22. If there is no registered arbitrary information, the storage unit 22 stores
Set a space code instead of arbitrary information.

If there is no information of "Password OK" in the down message, an instruction to re-enter the password is issued.

When the down message contains the information of “Password OK”, the process proceeds to the next processing, and the screen of C is displayed. On the display screen, and any information statement C ₁ showing the contents of any information 52 in the downlink message, the input guide sentence C ₂ whether to rewriting this optional information statement C _1, "to" rewriting, do not " select key C ₃ of "
And are displayed. Incidentally, if there is no any information already registered in the downlink message is the column of any information statement C ₁ on the screen C is blank.

Next, when rewriting selection input of arbitrary information is performed (step 203), rewriting input is determined in the next step 204, and when rewriting is "performed", the screens of D and E are displayed and the optional information is displayed. When the user is prompted for input and the optional information input by the customer is confirmed (step 205), the payment amount input screen of F is displayed, and the process returns to the payment transaction.

On the other hand, if the rewrite “No” is input in step 203, the input processing of the optional information is omitted in the determination step 204, and the payment amount input screen of F is immediately displayed.
Move on to payment transaction processing.

The screen D displays a guidance statement D ₁ prompting input of any information. In addition, the screen E displays an operation key E ₁ in order to enter any information, any information statements E ₂ that was created in the manipulation key E _1, and a confirmation key E ₃ indicating the end of any information input. Here, the operation key E ₁ serves as a input key as a Japanese word processor, alphabetical keyboard for character input
E _11, key E ₁₂ for kanji conversion, a space key E _13, erase key E _14, and a like arrows E ₁₅ for moving a cursor indicating a text input position.

Any information statements entered on the screen E is confirmed when the key E ₁₃ is pressed, until communication with the second center is made later, is held in any information storage unit 23.

When the payment amount input screen of F is displayed and the processing of the payment transaction is started, the payment amount is input according to the instruction on this screen (step 206), and then the confirmation / correction screen of the amount of G is displayed. and confirmation in accordance with the display of the screen is made (step 207), changing the display on the screen of the H, to display the guide sentence H ₁ of the "Please wait", carried out the second round of communication with the center.

The display contents of the screens F, G, H are the same as the conventional ones (see screens c, d, e in FIG. 3).

FIG. 6 (a) shows an example of the format of an electronic message (upward electronic message) from the communication control unit 21 of the device 10 to the communication control unit 31 of the device 30 in the second communication, and FIG. This shows an example of the format of a telegram (downstream telegram) from the communication control unit 31 to the communication control unit 21 in the second communication.

In the second communication, the optional information held in the optional information storage unit 23 in the processing in the previous step 205 is sent to the customer information storage unit 30 of the center. So, account number 60 and payment amount
The configuration is such that arbitrary information (read from the arbitrary information storage unit 23) 62 is added to the information 61.

As shown, the downstream telegram of the second communication includes an account number 70, payment OK 71, balance 72, other information 73, and the like, but these configurations are the same as in the conventional case.

The processing after the second communication with the center is completed is the same as the conventional case.

That is, if the information of "payment OK" is included in the down message, the payment amount is counted from the safe in the device, and when the counting is completed, the card is ejected (step 208), and the I screen is displayed. Is displayed to instruct reception of the card. Then, when the card is received, the cash of the payment amount is discharged (step 209), a screen of J is displayed, and an instruction to receive the cash is issued. When the cash is received, a series of payment transaction processing ends. .

The display contents of the screens I and J are the same as the conventional ones.

Further, in the system of this embodiment, not only in the case of the above-mentioned payment transaction, but also in the above-mentioned arbitrary information input function, arbitrary information storage function, arbitrary information output function, The information rewriting function can be used.

Since the account number is used as the keyword for input and output of arbitrary information, in any transaction, after the first communication with the center for collation of PIN, etc., output, input and storage of arbitrary information , Rewrite.

As described in detail above, in the automatic transaction system of this embodiment, for example, when a customer wants to send a message to a transfer destination during a transfer transaction, an arbitrary information input function provided in the main control unit 11 is used. You can enter that message.

The message, which is the input arbitrary information, is stored in the customer information storage unit 34 of the center by the optional information storage function together with the account number, which is a keyword.

The message held in the customer information storage unit 34 is output by the optional information output function when the account number is input to withdraw a deposit at the transfer destination, and transmitted to the transfer destination.

In addition, for example, even when depositing and withdrawing transactions are performed on the user's account, if the purpose of the transaction amount is input using the arbitrary information input function, the information is left in a hard copy using the arbitrary information output function. It can also be used as a memo.

Also, in the case where a single account is used by multiple members of a family, if each user uses the account number as a keyword and inputs arbitrary information in a timely manner, it can be used for information transmission between these multiple people. You can also.

Therefore, the system of this embodiment can be used not only for executing a preset transaction but also for freely exchanging information and transmitting information between customers who use the system. And the customer service can be improved.

In the above-described embodiment, the keyword for inputting / outputting arbitrary information is set to the transaction account number. However, the keyword is not limited to the transaction account number. It can be used irrespective of the transaction, and is more convenient as a customer service.

Further, in this embodiment, the final storage unit of the arbitrary information is set in the customer information storage unit 34 of the center, but the present invention is not limited to this. For example, although the use area of the information exchange is narrowed, the final storage unit may be a storage unit attached to the automatic transaction apparatus 10.

In the above-described embodiment, the registered arbitrary information is automatically output after the first communication with the center. However, there may be a case where the output of the arbitrary information is not desired. In such a case, for example, on the transaction selection screen at the beginning of the transaction,
It is conceivable to select whether or not the output of arbitrary information is necessary.

[Effect of the Invention] In the automatic transaction system according to the present invention, for example, when a customer wants a message to a transfer destination during a transfer transaction, the message is input using an arbitrary information input function provided in the main control unit. be able to.

Then, the message, which is the input arbitrary information, is held by the optional information storage function together with the keyword. In this case, if the keyword is the account number of the transfer destination, the message is output by the optional information output function and transmitted to the transfer destination when the account number is input to withdraw money at the transfer destination.

In addition, for example, even when depositing and withdrawing transactions are performed on the user's account, if the purpose of the transaction amount is input using the arbitrary information input function, the information is left in a hard copy using the arbitrary information output function. It can also be used as a memo.

Also, in the case where a single account is used by multiple members of a family, if each user uses the account number as a keyword and inputs arbitrary information in a timely manner, it can be used for information transmission between these multiple people. You can also.

Further, if the keyword is not limited to the transaction account number and the like and the encryption or the like which is not related to the transaction information is used as the keyword, it can be used regardless of the transaction, which is more convenient as a customer service.

That is, the automatic transaction system according to the present invention can be conveniently used not only for executing a preset transaction but also for freely exchanging information and transmitting information between customers using the system. The value of the system can be increased and customer service can be improved.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating the configuration of an embodiment of the present invention, FIG. 2 is an external view of an automatic transaction device in a conventional automatic transaction system, FIG. 3 is an operation explanatory diagram of a conventional automatic transaction system, and FIG. 5 and 6 are explanatory diagrams of communication messages between the automatic transaction apparatus and the center in one embodiment. 10 ... automatic transaction device, 11 ... main control device, 18 ... display unit, 19 ... input unit, 20 ... program storage unit, 21 ... communication control unit, 22 ... storage unit, 23 ... arbitrary Information storage, 24 ...
... fixed information storage unit, 30 ... device on the center side, 31 ... communication control unit, 32 ... center control unit, 33 ... file control unit, 34 ... customer information storage unit (ledger file).

Claims (1)

(57) [Claims] An input unit for a customer to input information, a display unit for displaying information input by the customer, a customer information storage unit for storing past transaction information in association with a keyword for each customer, An automatic transaction system including a printing unit for printing transaction details and the like, and a main control unit that controls operations of these units and performs a predetermined transaction process based on information input from the input unit. The main control unit has an optional information input function that allows input of arbitrary information desired by the customer using the display unit and the input unit; and stores information input by the optional information input function in association with the keyword. An optional information storage function to be performed; an optional information rewriting function for rewriting information held by the optional information storage function; and an optional information storage function on condition that the keyword is input. Automated trading system which is characterized by providing an optional information output function for printing out the information held by the display or the printing section to the display unit Hence.