JP4570835B2 - Automatic transaction apparatus and automatic transaction system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic transaction system in which a customer operates an automatic transaction apparatus such as an automated-teller machine (ATM) handled by a financial institution, and in particular, the transaction apparatus uses a transaction card. The present invention relates to an automatic transaction system suitable for displaying a screen for transactions and a program for displaying the screen.
[0002]
[Prior art]
An ATM handled by a financial institution such as a bank is communicably connected to a host computer of the financial institution, and acquires information necessary for a transaction according to a customer operation from the host computer. ATMs conduct transactions based on transaction cards, such as cash cards, that are given financial institution information for transactions, and are generally not limited to transactions with their own transaction cards, but can communicate with their host computers. Also handles transactions with other bank transaction cards.
[0003]
By the way, the ATM is provided with a display unit such as a touch screen for displaying transaction information toward the customer. When the arrival of a customer is detected by a predetermined proximity sensor, the ATM prompts the customer to insert a transaction card and displays a predetermined initial screen for selecting a transaction item on the display unit. On the initial screen, transaction items that can be executed by the own financial institution are displayed, and this initial screen is displayed on the display unit as long as the transaction is accepted by the ATM.
[0004]
When the ATM is supplied with a transaction card, the ATM reads the information of the financial institution given to the transaction card, and can use the transaction card based on the read information and the information acquired from the host computer. It is determined whether or not there is. As a result, if it can be used, it accepts an instruction to select a transaction item from the customer, and if not, it notifies the customer that the transaction card is not accepted and returns the transaction card.
[0005]
[Problems to be solved by the invention]
However, in the above-described conventional technology, when the inserted transaction card is not accepted by the ATM, the ATM returns the transaction card without clearly indicating the reason, so that the customer is returned the transaction card. It was not possible to recognize whether the cause was the card itself or the convenience of the financial institution, giving the customer anxiety.
[0006]
In addition, since the initial screen automatically displayed on the ATM is a screen corresponding to the transaction card of the own financial institution, whether or not the transaction card of another financial institution can be used by this initial screen is determined. It is difficult to judge. Therefore, when using a transaction card of another financial institution, even if the card is not actually usable, the customer cannot know that fact and supplies the unusable card to the ATM. There was an inconvenience.
[0007]
In addition, in a transaction using a so-called shared transaction card in which a plurality of financial institutions can be selectively used with one transaction card, a financial institution that is preferentially traded is generally set in advance. However, if the customer using the ATM does not have such recognition, the automatically institutional financial institution may be an unintended financial institution. It was.
[0008]
An object of this invention is to provide the automatic transaction system which a customer can recognize the transaction card which can be handled with the automatic transaction apparatus to utilize.
[0009]
[Means for Solving the Problems]
The basic concept of the present invention is to supply card information indicating a transaction card that can be handled by the automatic transaction apparatus from the host computer to the automatic transaction apparatus prior to the transaction at the automatic transaction apparatus, and thereby obtain the card. The purpose is to display each transaction card based on information to a customer.
[0010]
The present invention employs the following configuration based on the basic concept described above.
<Configuration 1>
Automatic transaction apparatus according to the present invention is an automated teller machine having a card information indicating a transaction card corresponding to each available predetermined financial institution, the transaction card available at the customer's transactions on the basis of the card information display the transaction card selection item for selecting, said the transaction card to be utilized from the transaction card selection by the customer is selected, the matching of the transaction card and the selected supplied transaction card by the customer It started, if you can not match is, you return the supplied card to display to the effect that can not be checked.
[0011]
According to the automatic transaction system, since a transaction card that can be handled is displayed to the customer prior to the transaction by the automatic transaction apparatus, the customer is requested to use the automatic transaction apparatus. It can be recognized whether or not it is accepted.
[0012]
Then, after returning the card, while waiting for a predetermined time supply of the transaction card while displaying that the verification is not possible, and when a new transaction card is supplied by the customer within the predetermined time, the supplied transaction card and the start a match with the selected trading card again.
[0015]
An automatic transaction system for supplying the card information to an automatic transaction apparatus from a host computer having card information indicating a transaction card corresponding to each available financial institution, wherein the automatic transaction apparatus is based on the card information displays the transaction card choices for selecting the transaction card available at the time of the customer's transaction, said when the transaction card you want to use from the transaction card selection by the customer is selected, and the transaction card, which is supplied by the customer to start the match with the selected trading card item, if you can not match is, it returns the supplied transaction card to display to the effect that can not be checked.
[0016]
Then, after returning the card, while waiting for a predetermined time supply of the transaction card while displaying that the verification is impossible, when the transaction card is newly supplied by the customer within the predetermined time, the supplied transaction card and the start a match with the selected trading card again.
[0019]
<Configuration 2>
The transaction card is a bank card, a bank card, or a credit card.
The card information is information on transaction items that can be handled corresponding to each transaction card, handling time for each transaction item, and fee for each handling time.
[0020]
When a transaction card item that the customer wants to use is selected, whether or not to display a transaction item that can be executed with the selected transaction card based on the handling time for each transaction item of the card information is displayed. It is characterized by that.
When another bank card is selected as the transaction card item, a plurality of other financial institution names are displayed and can be selected.
[0021]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described using specific examples.
<Specific example 1>
As shown in FIG. 1, an automatic transaction system 10 according to the present invention includes a host computer 12 of a financial institution 11 and an ATM (automated-teller machine) connected to the host computer via a predetermined communication line. 13. The automatic transaction system 10 handles not only transactions of the financial institution 11 that is the bank, but also transactions related to other financial institutions (not shown) that are affiliated with the financial institution.
[0022]
In the automatic transaction system 10, a transaction based on a transaction card corresponding to a financial institution for transactions is performed. As the transaction card, for example, a conventionally well-known cash card or credit card can be used. Each of these transaction cards is given information on the financial institution performing the transaction and information on a predetermined customer of the financial institution.
[0023]
The host computer 12 is a storage unit 12a that holds a conventionally well-known master database (not shown) that holds personal information of each customer related to the financial institution 11, transaction history for each customer, and a transaction information table 21 described later. Is provided. The host computer 12 of this specific example supplies the master database and information in the storage unit 12a to the ATM in response to a request from the ATM 13. Further, the host computer 12 acquires information for the transaction of the other financial institution as necessary from the host computer of another financial institution capable of communicating with the host computer, as in the conventional case.
[0024]
The ATM 13 has a storage unit 14 that holds information supplied from the host computer 12, a display unit 15 that displays a screen for transactions based on the information stored in the storage unit, and a display unit that displays the screen on the display unit. And a display control unit 16 for performing the control operation.
[0025]
In the control operation, the display control unit 16 requests the transaction information table 21 from the host computer 12 every predetermined time, and causes the storage unit 14 to hold the table 21 supplied in response to the request. Further, the display control unit 16 causes the display unit 15 to display a screen based on the transaction information table 21 held in the storage unit 14. The request of the transaction information table 21 to the host computer 12 can be made for each customer transaction instead of being executed every predetermined time.
[0026]
In this specific example, a well-known touch screen is used as the display unit 15 described above, and an instruction corresponding to the touched screen portion is supplied to the ATM 13 by the customer's finger touching the screen surface. .
[0027]
FIG. 2 is a perspective view showing the appearance of the ATM 13.
As shown in FIG. 2, the ATM 13 includes the display unit 15 described above at a central horizontal portion of an L-shaped housing 17. The front portion of the upper portion of the housing 17 has a card handling port 18 through which transaction cards are inserted and discharged, a statement slip outlet 19 for outputting a transaction statement slip for each transaction, and cash handling in which cash is received and discharged. A mouth 20 is provided.
In the transaction operation using the display unit 15, instead of direct contact with the screen surface, an instruction button corresponding to the screen portion of the display unit 15 is provided in the vicinity of the display unit 15. An instruction corresponding to the screen portion can be performed.
[0028]
Incidentally, the transaction information table 21 held in the host computer 12 is configured as shown in FIG. In the illustrated example, a “transaction card” that indicates a transaction card that can be handled by the automatic transaction system 10, a “transaction item” that indicates a transaction item that is handled for each card, and a predetermined time limit on the handling of each handling item. “Handling time” shown and “fee” showing a fee set for each handling time are provided as items, and information such as transaction item and time is stored corresponding to each item.
[0029]
In addition to the information described above, the transaction information table 21 can include information on the handling time of each transaction card shown in the “transaction card” column, for example, “card reception time”. The “card reception time” information is preferably matched with the information obtained by collecting the above “handling time” information for each transaction card. As an example, if a transaction card of Bank A, which is a financial institution 11, is given, the information on the “handling time” of the Bank A card exists between 8 o'clock and 21 o'clock as shown in FIG. The information “8: 00-21: 00: 00” can be given to the “card reception time” of the A bank card.
In addition, to the transaction information table 21, card handling information for each day of the week or a handling limit for each transaction card can be added as appropriate.
[0030]
In the transaction according to the transaction information table 21 described above, for example, when deposit is withdrawn at 10:00 at ATM 13 using a transaction card of A bank, no fee is required, and transfer is performed at 19:00 with the same card In addition to the transfer fee, a fee of 105 yen will be added.
[0031]
In this specific example, the transaction information table 21 as described above is collectively supplied from the host computer 12 to the ATM 13, but instead of this, the transaction information table 21 can be appropriately divided and supplied to a plurality of table portions. For example, the table portion for each transaction card can be supplied as necessary, or information corresponding to the item “transaction card” can be appropriately supplied as card information.
[0032]
In the ATM 13, when a customer arrives, an initial screen 22 as shown in FIG. The initial screen 22 displays a guidance “Please press the desired card button” prompting the customer to select and press the desired transaction card from among the card buttons described below.
[0033]
As shown in FIG. 4, the initial screen 22 has a card display area 23 in which transaction cards that can be traded are displayed in a selectable manner. The card display area 23 is provided with card buttons (23a to 23c) corresponding to all transaction cards handled by the ATM 13, and among these buttons, card buttons corresponding to transaction cards that can be used at the time of customer transactions. Are displayed in a selectable manner. By contacting any of the card buttons displayed so as to be selectable, the ATM 13 is notified that the transaction card corresponding to the button has been selected.
[0034]
In the example shown in FIG. 4, an A bank card button 23 a indicating a bank A transaction card serving as the financial institution 11, an other bank card button 23 b indicating a predetermined bank transaction card other than A bank, and a credit card are provided. A credit card button 23c is displayed so as to be selectable.
[0035]
In displaying each of these card buttons 23 a to 23 c, the display control unit 16 of the ATM 13 determines whether or not to display based on information on “handling time” for each “transaction card” in the transaction information table 21. That is, if the customer's arrival time is a time when, for example, any transaction item corresponding to the A bank card can be used, the A bank card button 23a is displayed in a selectable manner. Alternatively, the presence / absence of a card button display can be determined based on the information on the “card reception time” (not shown).
[0036]
If the customer's arrival time is a time when none of the transaction items of the A bank card can be used, the card button 23a is not displayed so as to indicate to the customer that the A bank card button 23a cannot be selected. And At this time, it is preferable to display the reason why the selection cannot be made, such as “The current time is outside the handling time and cannot be handled” in the vicinity of the card button 23a in the initial screen.
[0037]
For example, when the A bank card button 23a is selected on the initial screen 22, the transaction item selection screen 24a shown in FIG. 5 is displayed.
The transaction item selection screen 24a prompts the customer to insert a transaction card and prompts the customer to select a transaction item corresponding to the A bank card, "Please insert the card and press the desired transaction button." Is displayed.
[0038]
The transaction item selection screen 24a has a transaction item display area 25 in which transaction items that can be traded are displayed. The transaction item display area 25 is provided with transaction buttons (25a to 25d) indicating transaction items, and among these transaction buttons, buttons corresponding to transaction items that can be traded are displayed in a selectable manner. Thereby, the customer can recognize which transaction item can be executed with the A bank card prior to the transaction.
[0039]
In the example shown in FIG. 5, in the transaction item display area 25, a “withdrawal” button 25a indicating withdrawal of a deposit, a “deposit” button 25b indicating deposit, a “transfer” button 25c indicating transfer, and a balance "Balance inquiry" buttons 25d indicating inquiry are displayed so as to be selectable. The customer can instruct execution of the transaction item by touching the card button displayed in a selectable manner.
[0040]
Further, the transaction item selection screen 24 a is provided with a cancel button 26 for canceling the transaction, and when the cancel button 26 is touched, the initial screen 22 is displayed again on the display unit 15.
[0041]
When the other line card button 23 b is selected on the initial screen 22 described above, a transaction item selection screen 24 b shown in FIG. 6 is displayed on the display unit 15. The transaction item selection screen 24b is provided with a transaction item display area 25 similar to that in the transaction item selection screen 24a. In the illustrated example, each transaction button 25e to 25g corresponding to a transaction item that can be traded with the other bank card is displayed in the transaction item display area 25.
[0042]
In the example shown in FIG. 6, it is displayed that a predetermined fee is required when depositing or transferring money with another bank card. This guidance is displayed as necessary based on the information on “fee” in the transaction information table 21 described above. Thereby, the customer can recognize the fee preset for each transaction item prior to the transaction.
[0043]
When the credit card button 23c is selected on the initial screen 22, the transaction item selection screen 24c shown in FIG. 7 is displayed. In the transaction item display area 25 of the transaction item selection screen 24c, a “cashing” button 25h for cashing, a “repayment” button 25i for repayment of a credit loan, and “inquiry” for inquiring past transactions. ] Button 25j is provided. The customer can recognize which transaction item of the credit card can be handled at the time of transaction through the transaction item selection screen 24c.
[0044]
Moreover, in the automatic transaction system 10, what is called a common transaction card which can perform transaction with the desired financial institution of several financial institutions with a single transaction card can be utilized. In that case, the customer can select a desired card from the plurality of transaction cards corresponding to the shared card on the initial screen 22. For example, when a transaction using an A bank card is to be performed using a shared transaction card of an A bank card and a credit card, the transaction using the A bank card can be instructed by selecting the A bank card button 23a on the initial screen 22. .
[0045]
In the transaction item selection screens 24a to 24c described above, when a transaction card that does not correspond to the displayed screen is supplied, the transaction card is discharged from the card handling port 18, and for example, “the inserted card is A bank It is desirable to indicate that the card to be inserted is incorrect, such as “It is not a card (other bank card, credit card)”. At this time, after the transaction card is discharged, it waits for a predetermined time, and when it is recognized that the correct transaction card has been inserted again by the customer, the transaction on the screen can be continued.
[0046]
A series of transaction operations in the automatic transaction system 10 described above will be described along the flowchart shown in FIG.
The ATM 13 requests the transaction information table 21 from the host computer 12 every predetermined time (step S1), and stores the transaction information table 21 supplied in response to this request in the storage unit 14 (step S2). At this time, when the transaction information table 21 is already stored in the storage unit 14, the already stored table is updated to the newly acquired table.
[0047]
While waiting for the customer (step S3), the ATM 13 displays a predetermined standby screen (not shown) on the display unit 15. When the proximity sensor detects the arrival of the customer, the screen of the display unit 15 is shifted from the standby screen to the initial screen 22 (step S4), and the card buttons 23a to 23c displayed on the initial screen 22 are Wait until the card button corresponding to the desired transaction card is selected (step S5).
[0048]
When the ATM 13 recognizes that one of the card buttons is selected on the initial screen 22, the screen of the display unit 15 is displayed on the transaction item selection screen (24a, 24b or 24a corresponding to the selected transaction card from the initial screen 22). 24c). Further, the user is prompted to select a desired transaction item on the selection screen and to insert a transaction card (step S6).
[0049]
When a customer inserts a transaction card from the card handling slot 18, the display control unit 16 compares the displayed transaction item selection screen with the inserted transaction card, and determines whether or not both correspond. Is determined (step S7). As a result, if the two correspond to each other, processing corresponding to the selected transaction item is executed (step S8), and when the processing ends, the transaction card is discharged from the card handling port 18 (step S9). ).
[0050]
Also, if the displayed transaction item selection screen does not correspond to the inserted transaction card, as described above, after displaying that the transaction card to be inserted is not correct, the step to stop the transaction The process proceeds to S9, and the transaction card is returned to the customer.
[0051]
As a result, a series of transaction operations are completed. However, when the customer continuously waits to perform another transaction, the initial screen 22 is displayed again on the display unit 15, and when the customer leaves, the above-described operation is again performed. A predetermined standby screen is displayed.
[0052]
According to the automatic transaction system 10 of the above-described specific example, prior to the transaction using the ATM 13, the transaction card that can be used at that time is displayed on the display unit 15 of the ATM so that the customer can select it. It is possible to recognize whether or not the transaction card to be used is accepted at the ATM 13.
[0053]
In addition, since the transaction items that can be executed with the selected transaction card are displayed in a selectable manner after the transaction card is selected, the customer can determine whether or not the desired transaction item can be transacted with the desired transaction card. Can be recognized.
In addition, according to the specific example described above, since the guidance of the fee corresponding to each transaction item is displayed together with the executable transaction item, for example, the addition of the fee is recognized for the first time by the transaction statement slip received after the transaction. Such inconvenience can be avoided.
[0054]
In the specific example described above, the transaction information table 21 is supplied to the ATM 13 in response to a request from the ATM 13 to the host computer 12. Instead, the transaction information table 21 is appropriately set so as to be automatically supplied from the host computer 12. Can do.
[0055]
In the example described above, the other line card has been described as a transaction card corresponding to a predetermined other line. However, a transaction by a predetermined other line card can be designated from a plurality of other line cards. For example, after the other line card button 23b is selected on the initial screen 22 described above, a screen for selecting a plurality of other line cards is inserted before the transaction item selection screen 24b is displayed. In this case, for example, it can be realized by providing an area similar to the card display area 23 of the initial screen 22 on the inserted screen and appropriately arranging a plurality of other line card buttons in the area. Such a screen insertion can be similarly performed for the credit card button 23c.
[0056]
Further, when a card is inserted without selecting a transaction card on the initial screen 22, the type of the inserted transaction card is automatically determined by the display control unit 16, and a card button corresponding to the determination result is displayed. It can be displayed on the initial screen 22. Thereby, in particular, when using the above-described shared transaction card, each transaction card corresponding to a plurality of financial institutions that can be used with the card can be recognized on the initial screen 22.
[0057]
The transaction card that can be handled by the automatic transaction system according to the present invention is not limited to the bank transaction card and the credit card described in the above-described specific example, and a transaction card corresponding to another financial institution can be used. For example, a postal savings card corresponding to postal savings and a postal savings credit shared card can be employed.
[0058]
【The invention's effect】
According to the automatic transaction system of the present invention, a transaction card that can be handled is displayed in advance so as to be selectable at the time of transaction in the automatic transaction apparatus. It can be recognized whether or not it is accepted. Thereby, the customer can efficiently perform a transaction operation on the automatic transaction apparatus.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a specific example of an automatic transaction system according to the present invention.
FIG. 2 is a perspective view showing an appearance of a specific example ATM.
FIG. 3 is an explanatory diagram for explaining a transaction information table of a specific example;
FIG. 4 is an explanatory diagram for explaining an initial screen of a specific example;
FIG. 5 is an explanatory diagram (part 1) for explaining a transaction item selection screen of a specific example;
FIG. 6 is an explanatory diagram (part 2) for explaining a transaction item selection screen of a specific example;
FIG. 7 is an explanatory diagram (part 3) for explaining a transaction item selection screen of a specific example;
FIG. 8 is a flowchart showing an operation procedure of a specific example;
[Explanation of symbols]
10 automatic transaction system 11 financial institution 12 host computer 12a storage unit 13 ATM
14 storage unit 15 display unit 16 display control unit 17 housing 18 card handling port 19 statement slip outlet 20 cash handling port 21 transaction information table 22 initial screen 23 card display area 23a to 23c card button 24a to 24c transaction item selection screen 25 transaction Course display area 25a-25j Transaction button 26 Cancel button

Claims (10)

An automatic transaction apparatus having card information indicating a transaction card corresponding to each available financial institution,
Display a transaction card selection item for selecting a transaction card that can be used at the time of a customer transaction based on the card information,
It said when the transaction card you want to use from the transaction card selection by the customer is selected, to start the match with trading cards that have been selected and supplied transaction card by the customer,
If verification is not possible, display that the verification is not possible and return the supplied transaction card ,
After the card is returned, the transaction card is waited for a predetermined time while displaying that the verification is not possible. When a new transaction card is supplied by the customer within the predetermined time, the selected transaction card is selected. The automatic transaction apparatus is characterized by restarting verification with the transaction card. The automatic transaction apparatus according to claim 1, wherein the transaction card is a bank card, a bank card, or a credit card. 2. The automatic transaction apparatus according to claim 1, wherein the card information is information on transaction items that can be handled corresponding to each transaction card, handling time for each transaction item, and fee for each handling time. When transaction card to be utilized by the customer is selected and displayed by determining whether to display the executable transactions subjects in the card information transaction card selected on the basis of the handling time of each transaction subjects The automatic transaction apparatus according to claim 1 . The transaction if card and to other banks card is selected, the automatic transaction apparatus according to claim 1, characterized in that the selectable display a plurality of other financial institution name. An automatic transaction system that supplies the card information to an automatic transaction device from a host computer having card information indicating a transaction card corresponding to each available financial institution,
The automatic transaction apparatus displays a transaction card selection item for selecting a transaction card that can be used at the time of a customer transaction based on the card information,
It said when the transaction card you want to use from the transaction card selection by the customer is selected, to start the match with trading cards that have been selected and supplied transaction card by the customer,
If verification is not possible, display that the verification is not possible and return the supplied transaction card ,
After the card is returned, the transaction card is waited for a predetermined time while displaying that the verification is not possible. When a new transaction card is supplied by the customer within the predetermined time, the selected transaction card is selected. The automatic transaction system is characterized in that the verification with the transaction card is started again. The automatic transaction system according to claim 6 , wherein the transaction card is a bank card, a bank card, or a credit card. 7. The automatic transaction system according to claim 6 , wherein the card information is information on transaction items that can be handled corresponding to each transaction card, handling time for each transaction item, and fee for each handling time. When transaction card to be utilized by the customer is selected and displayed by determining whether to display the executable transactions subjects in the card information transaction card selected on the basis of the handling time of each transaction subjects The automatic transaction system according to claim 6 . The transaction if card and to other banks card is selected, the automatic transaction system according to claim 6, characterized in that the selectable display a plurality of other financial institution name.

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