JPS6263368A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To use the device in place of a household account book by printing the comment of the user in the bankbook as it does. CONSTITUTION:In executing the money received transaction, the money paid transaction, etc., when the transaction is executed, the device is composed of an input means 5 to input the comment and a printing means 13 to print the comment inputted by in input means 5 to the position corresponding to the transaction in the bankbook. Thus, the automatic transaction device is presented which can print the comment of the user to the bankbook as it can, can be used in place of the house account book and can improve the convenience of the user.

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Industrial Application Field) The present invention relates to an automatic transaction device such as an automatic teller machine that performs deposit transactions, withdrawal transactions, etc. using a passbook, for example.

(Prior art) In recent years, a host computer (center) accepts a magnetic card with account information submitted by a user.
By communicating with a host computer, an automatic teller machine that automatically disburses the cash requested by the user, or which accepts a magnetic passbook with a magnetic stripe in which account information is recorded, and by communicating with a host computer, accepts the user's request. Automated teller machines that automatically dispense cash, or automated teller machines that automatically accept cash using magnetic passbooks with magnetic stripes that record account information, or even both. Automated transaction devices such as automated teller machines that combine functions into a single device are rapidly developing as automated camera equipment at bank counters, and are being introduced at banks to provide speedy services to users.

However, as the devices become more widespread, the way users use them has changed. That is,
Noting that transaction records are printed on the passbook, some users are now using the passbook as a household account book. For example, if you need 55,000 yen for household expenses and 22,000 yen for a loan,
Instead of a single withdrawal of 77,000 yen, the transaction is divided into two withdrawals of 55,000 yen and 22,000 yen. By doing this, each transaction will be recorded twice in the passbook, making the usage clear.

When a transaction is conducted in this way, the user writes the details, or comments (household expenses, loan), by hand. For this reason, there is a demand for something that can print comments such as those mentioned above.

(Problems to be solved by the invention) As mentioned above, there is a need for something that can print comments, and it is possible to print the user's comments directly on the passbook and use it instead of a household account book. The purpose is to provide an automatic transaction device that can improve user convenience.

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of this invention uses a passbook to perform deposit transactions,
In a device that performs withdrawal transactions, etc., an input means for inputting a comment when the above transaction is performed, and a printing means for printing the comment input by this input means at a position corresponding to the above transaction in the above passbook. It consists of

(Function) This invention enables comments on each transaction to be printed each time the transaction is performed.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 2 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1 there is an abbreviated operation section 2.
is formed. On the horizontal surface of this operation section 2, transfer,
In addition to being able to input a large number of banknotes to be deferred at once,
A bill insertion slot 3 for receiving banknote change is provided, and this bill insertion slot 3 is provided with a door 4 that can be opened and closed.

Furthermore, a color CR7 display section (input means) 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 .

This CRT display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user, and also uses the display to guide the user.
A touch sensor (not shown) detects the amount, account number, transaction approval, confirmation, selection of multiple transactions, selection of payout method, character input, cancellation, etc. by pressing the display area. , a so-called key operation is performed to output a corresponding signal to the main control section 11, which will be described later. That is, as shown in FIG. 3, for example, the message "Please leave a comment" is displayed, as well as a katakana key for entering a comment and a key for instructing correction and completion. and,
The contents and display change each time the machine operation or step status changes.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 6 into which a magnetic card as a transaction medium in which a PIN number and account information are recorded is inserted, a bankbook insertion lower part into which a bankbook is inserted, and a coin insertion slot into which coins are inserted. 8. A coin change receiving slot 9 for receiving coin change is provided.

By the way, inside the housing 1, as shown in FIG. A magnetic card reading section 12 receives account information such as numbers and account numbers, and a passbook printing section reads the magnetic stripe section of the passbook inserted from the passbook insertion lower and records transaction details on the passbook and journal paper (not shown). Means) 13. A deposit/withdrawal unit 14 that accepts the banknotes inserted into the banknote insertion slot 3 and dispenses a specified amount of banknotes to the banknote insertion slot 3; a deposit/withdrawal unit 14 that receives the coins inserted into the coin insertion slot 8; The coin deposit/withdrawal unit 15 dispenses coins of a specified amount to the coin receiving slot 9, and the CR
A customer service unit 16 constituted by the T display section 5, a voice guidance unit 17 that provides audio guidance to customers (users) through a speaker (not shown), an internal monitor 18 for staff, and information on financial institutions necessary for deferment transactions is recorded. floppy disk 19 as a data file, the main control unit 11
A transmission control section 20 and a power supply section 21 are provided for controlling data transmission between the computer and a host computer (center) not shown. The main control unit 11 also includes an externally provided remote monitor 22 for the staff, a memory 1111123 that stores information on multiple payouts, payout methods, and character information, and converts input kana information into kanji. A kana-kanji conversion unit 24 is connected thereto.

Next, in such a configuration, FIGS. 1(a) to (d)
The withdrawal operation will be explained with reference to the flowchart shown in FIG. For example, now a user stands in front of this device.

At this time, the CRT display section 5 displays "Welcome, please specify handling" and "Drawer,
Selection keys for "deposit, balance inquiry, passbook entry, creation, transfer" are displayed (ST1). In response to this guidance, the user presses down the portion labeled "Drawer" (ST2). As a result, the main control section 11 determines to proceed to the next processing step, and causes the CRT display section 5 to display "Please insert your bankbook or card" (ST3).

In response to this guidance, the user inserts the passbook into the passbook insertion lower (ST4.5). As a result, the main control section 11
The display section 5 displays "Currently accepting passbooks" (ST6). At this time, the passbook is printed in the passbook print section 13.
A magnetic head (not shown) reads account information such as a password and account number recorded on the magnetic stripe section, and an optical sensor (not shown) reads page marks and print trends recorded on the passbook.

The above account information is checked by the main control unit 11, and if it is determined that the passbook is incorrect, the main control unit 11 performs error processing. Next, the main control section 11 causes the CRT display section 5 to display a message "Please insert a card" (ST7).

Next, the user inserts the card into the card insertion slot 6 according to the instructions in step 7 or 3 (ST8). Then, the card is taken into the magnetic card reading section 12,
Account information such as a password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown). The above account information is checked by the main control unit 11, and if it is determined that the card is incorrect, the main control unit 11
performs error handling.

Further, in step 1 above, the user inserts the card into the card insertion slot 6 (ST9). Then, as described above, the account information etc. on the card are read.

Next, if the user presses down the area labeled "Drawer" (ST10), or if it is determined that the card is correct by inserting the card in step 8, the CRT
The display section 5 displays "Press your PIN number" and also displays a numeric keypad and a correction key (ST11). Next, the user follows the instructions and inputs the password by pressing down on the area where the numeric keypad is displayed (ST12>. By inputting this password, the main control unit 11 determines whether the passwords match or not. death,
If they do not match, perform password re-input processing.

In addition, if the PIN numbers match, the main control unit 11
``Please press the withdrawal amount J'' is displayed on the display section 5, and the 1. numeric keypad and amount key are displayed (S
T13). Next, the user inserts the withdrawal amount according to the instructions (ST14).

Upon this insertion, the main control unit 11 stores the withdrawal amount in the storage unit 23 and determines whether or not a passbook has been inserted (ST15). As a result, when determining that there is a passbook, the main control unit 11 causes the CRT display unit 5 to display the message "Please enter a comment to be entered in the passbook", as well as displaying a katakana key, a correction key, and an end key (ST16). ). Then, the user follows the instructions,
The user presses down the part where the katakana keys are displayed, for example, ``Riki'', ``Ke'', ``I'', and ``Hi'', and then presses the end key (ST17). By pressing this katakana character, the main control unit 11 uses the kana-kanji converter 24 to convert "kakeihi" into kanji as "household expenses" (ST18), displays "household expenses" on the CRT display section 5, and approves the message. key, the next candidate key is displayed, and the user is prompted for approval (ST19
>.

According to this display, if the kanji conversion has not been performed correctly, the user presses the next candidate key (ST20). Then, the main control unit 11 determines whether the next candidate key is pressed.5T2
1>, Kana-Kanji conversion is performed again, and the next candidate Kanji character is displayed (ST18.19).

Additionally, if the display in step 19 indicates that the kanji conversion has been performed correctly, the user presses the approval key (ST2
0). Then, the main control unit 11 determines whether the approval key has been pressed (5T21) and stores the comment converted into kana-kanji in the storage unit 23 in correspondence with the withdrawal amount (ST22).

In this case, for example, the storage unit 23 stores that the first withdrawal amount was 55,000 yen and the comment was specified as "household expenses." Next, the main control unit 11 causes the CR7 display unit 5 to display ``Continue withdrawal?J'' and displays a continuation key and an end key (ST23>).

Based on this display, if there is a continuation withdrawal, the user presses the continuation key. Then, the main control unit 11 determines whether the continuation key has been pressed (5T24), stores the continuous withdrawal mode (mode) in the storage unit 23, and similarly performs the processes from step 13 to step 23 described above. In this case, for example, the storage unit 23 stores that the second withdrawal amount is 22,000 yen and the comment is designated as "loan."

If it is determined in step 24 that the end key has been pressed, the main control unit 11 stores the withdrawal amount and comment contents in the storage unit 24.
3T25), the CR7 display section 5 displays "Please confirm the comment contents", as well as the withdrawal amount input by the user, the comment contents, the confirmation key, and the correction key (ST53). Based on this display, if there is a correction, the user presses the correction key. Then, the main control unit 11 determines whether the correction key has been pressed.5T5
4) Clear the memory contents such as comments and continuous withdrawal mode, and return to step 13 (ST55). Further, when it is determined in step 54 that the confirmation key is pressed, the main control unit 1
Step 1 determines whether or not it is continuous withdrawal mode, and if it is continuous withdrawal mode, the CR7 display section 5 displays "Do you want to withdraw all banknotes at once?"
Would you like to pay for each specified amount?" is displayed, and
Display the summary key and the key for each specified amount (ST
27). Based on this display, if the user wants to withdraw all the money at once, the user presses the all-together key (ST28). Then, the main control unit 11 determines whether the summary key has been pressed.5T28 =
), the amount and number of coins to be withdrawn at once are stored in the storage section 23 (ST29).

After this storage process, when the key is pressed for each specified amount in step 28, or when it is determined that the continuous withdrawal mode is not in step 26, the main control unit 11 controls CR7.
The display section 5 displays "Currently processing the computer. Please wait for a while" (ST30). In addition, the main control unit 11 sends and receives a message for one transaction (withdrawal transaction of 55,000 yen) to and from the center (not shown) (5T31),
The results are printed on journal paper using a printer (not shown) (ST32). Upon completion of this printing, the main control unit 11 determines whether there is a passbook (5T33), and if there is a passbook, prints the details of the transaction details 9 sent from the center on the passbook using a printing device (not shown) (ST34). .

For example, the withdrawal amount and balance of 55,000 yen are printed. Further, the main control unit 11 determines whether a comment is to be inserted (5T35), and if there is a comment, the comment is printed in the spare column on the same line as the transaction record in the passbook (ST36). For example, print out "household expenses."

If it is determined in step 33 that there is no bankbook, the main control unit 11 prints the details of the transaction details on the statement sheet using a printing device (not shown) (ST37).

Next, the main control unit 11 determines whether there is a continued transaction or not (5T3).
8) If the transaction is to be continued, the process returns to step 30 and communication with the center is performed. As a result, your passbook will contain 2 as the second transaction.
The withdrawal amount of 2,000 yen and the balance are printed, and "loan" is printed as a comment (ST30-37)
. As a result, the passbook is printed as shown in FIG.

Next, the main control unit 11 determines whether or not to discharge all at once. If the discharge is for each transaction, the main control unit 11 first operates the deposit/withdrawal unit 14 and inserts the first bill, that is, 55,000 yen, into the bill insertion slot 3. (1
5 million yen bills, 5 thousand yen bills), then operate the deposit/withdrawal unit 14 and insert the second banknotes, that is, 22,000 yen (2 10,000 yen bills, 1,000 yen bills) into the bill insertion slot 3. Take out 2 bills) (
ST39 to ST41), and if it is determined in step 39 that the banknote is to be released all at once, the main control unit 11 operates the deposit/withdrawal unit 14 to deposit two bills worth of 77,000 yen (10,000 yen) into the bill insertion slot 3. Take out 7 bills, 7 thousand yen bills) at once (Sr.
42).

When the removal of the banknotes is completed, the main control unit 11
7.Display ``Please receive your passbook (or statement), cards, and banknotes'' on the display section 5, and press (
Sr43), and determines whether there is a passbook (Sr44). As a result of this determination, if a passbook is present, the main control unit 11 ejects the passbook from the passbook insertion lower and causes the card to be ejected from the card insertion slot 6 (Sr45). Next, the user receives the passbook and card (Sr46). When the user takes out the passbook and card, the main control unit 11 then opens the door 4 of the bill insertion slot 3 to discharge the bill (Sr47). When the user takes out this banknote (Sr48), this withdrawal transaction ends.

Also, if it is determined in step 44 that there is no passbook,
The main control unit 11 causes the card to be ejected from the card insertion slot 6 (Sr49). Then, the user receives the card (S
r50). When the user takes out this card, the main control unit 11 then opens the door 4 of the bill insertion slot 3 to discharge the bill and also discharges the statement sheet (Sr11'). and,
When the user takes out the banknotes and statement sheet (Sr52), this withdrawal transaction is completed.

As mentioned above, the user's comments can be printed directly on the passbook, and it can be used instead of a household account book, which is very convenient.

In addition, although the said Example demonstrated the withdrawal transaction as an example, it is not limited to this and may be performed in combination with a deposit transaction. For example, you may deposit 10,000 yen, insert the comment "Congratulations," and then withdraw 55,000 yen and 22,000 yen.

In addition, although inputting comments has been described using touch keys, the present invention is not limited to this, and if the user converts the comments into numbers, a conventional numeric keypad can also be used effectively as a comment.

[Effects of the Invention] As detailed above, according to the present invention, automatic transactions can be performed that can print the user's comments directly on the passbook, can be used instead of a household account book, and can improve the convenience of the user. equipment can be provided.

[Brief explanation of the drawing]

The drawings show an embodiment of the present invention, in which Fig. 1 is a flowchart for explaining the drawing operation, Fig. 2 is a perspective view of the overall appearance, and Fig. 3 is a diagram showing an example of display on a CRT display section.
FIG. 4 is a diagram showing the configuration of the main parts of the electric circuit, and FIG. 5 is a diagram for explaining an example of printing on a bankbook. 3... Bill insertion slot, 5... CRT display unit (input means), 6... Card insertion slot, 11... Main control unit, 12
... Magnetic card reading section, 13... Passbook printing section (printing means), 14... Deposit/withdrawal unit, 15...
Coin deposit/withdrawal unit, 16...to customer service unit 1, -1
9... Floppy disk, 23... Storage section, 24
...Kana-Kanji conversion department. Applicant's representative Patent attorney Takehiko Suzue Figure 1 (a) Figure 1/(b) Figure 1 (d) Figure 2, Figure 4, and Figure 5

Claims (2)

[Claims] (1) In an automatic transaction device that performs deposit transactions, withdrawal transactions, etc. using a passbook, an input means for inputting a comment when the above transaction is performed; An automatic transaction device comprising: printing means for printing at a position corresponding to the above transaction; (2) The automatic transaction device according to claim 1, wherein the input means is a katakana key, and comments are printed in kanji.