JPS6134670A - Cash automatic transaction device - Google Patents

Abstract

PURPOSE:To improve a processing speed and the general-purpose property of a transaction by using a card which has recorded a received/paid money amount as fixed data, and also receiving a key-in of the received/paid money amount when the card has been inserted. CONSTITUTION:When a card is inserted, card information is read by a card reader 13, and fixed data of a received/paid money amount is displayed on a CRT picture. In case a user draws out a paid money amount of the card, communication with the center is executed by depressing a confirmation key 32, and a display money amount is discharged through such processing as a check of a password and a check of an account and a balance. Also, in case the user draws out a money amount which is different from a display money amount, a money amount receiving picture is displayed on the CRT picture by depressing a correction key 31, the user inputs by a key a desired money amount by this picture, and payment processing is executed. In this way, by executing a payment by a paid money amount fixed data, the transacting operation is simplified, the processing speed can be improved, and also by receiving a key-in of the paid money amount, the general-purpose property of a transaction can be improved.

Description

DETAILED DESCRIPTION OF THE INVENTION (81) Technical Field This invention relates to automated teller machines such as ATMs and CDs.

(bl Prior Art and Its Disadvantages) Conventional ATVs include those in which the withdrawal amount is keyed in after the card is inserted during a payment transaction, and those in which the withdrawal amount is recorded and fixed on the card in advance and the withdrawal amount is fixed when the card is inserted. There is a system that reads and withdraws money.When comparing these, the former has the disadvantage that the transaction processing speed is slower because the customer has to press the keys more often than the latter.On the other hand, the latter has the disadvantage that the transaction processing speed is slower than the latter. It had the disadvantage of being inferior in transaction versatility because it could not be specified.

fc1 Purpose of the Invention The purpose of the present invention is to improve the processing speed and versatility of transactions by using a card that records the amount of deposits and withdrawals as fixed data and accepting key-in of the amount of deposits and withdrawals while the card is inserted. An object of the present invention is to provide an automated teller machine that can improve the performance of cash transactions.

+d1 Structure and effect of the invention To summarize, this invention includes a card reader that reads the deposit/withdrawal amount written on a card, displays the amount read by the card reader, and determines whether or not there is a confirmation instruction from the customer at that time. an amount confirmation means; a processing means for processing a deposit/withdrawal transaction based on the displayed amount when the amount confirmation means determines that a confirmation instruction has been received; and a processing means for processing a deposit/withdrawal transaction based on the displayed amount when the amount confirmation means determines that there is no confirmation instruction; The present invention is characterized by comprising a deposit/withdrawal amount input receiving means for accepting input.

With the above configuration, according to the present invention, when a certain amount of deposits and withdrawals is to be made, the transaction can be performed by inserting a card in which the amount is recorded as fixed data in advance, thereby simplifying the operability and making transactions. In addition to improving processing speed, accepting the input of a separate amount when inserting a card can improve the versatility of transactions.

(e) Embodiment FIG. 2 is an external view of an ATM which is an embodiment of the present invention.

On the vertical panel surface of the customer service operation section of the ATM main body 1, there is an in-transaction indicator 20 that indicates when a transaction is possible and in progress, an envelope insertion slot 21 for inserting envelopes, a passbook insertion slot 22, a card insertion slot 23, and an attendant. A call button 24 is provided.

The horizontal panel surface of the customer service operation section includes a bill receiving slot 26, a coin receiving slot 25, a slip discharging slot 28, and a C for displaying operation guidance.
RT27 is provided. The CRT 27 displays operation guidance text to guide the customer's operations, operation key function displays, input amount, and other guidance. The CRT 27 is provided with a touch switch panel on the second screen. The key positions of the touch switches used for input operations are displayed on the CR7 screen at each processing stage.

FIG. 3 is a block diagram of the ATM.

This ATM CPUIOlROMII and RAM12
The card reader 13 reads the magnetic stripe information of the inserted card, the slip issuing machine 14 issues a slip with transaction details printed thereon, and the input/output device includes a card reader 13 that reads the magnetic stripe information of the inserted card, a slip issuing machine 14 that issues a slip with the transaction details printed on it, and a withdrawal banknote and payment. A banknote/coin discharge machine 15 that discharges coins, a pill checker 16 that determines the authenticity of the inserted banknotes and reads the denomination;
The ROMII, which is equipped with a customer service control unit 17 that controls the display of the CRT 27 and the drive control of the touch switch panel, stores execution programs for each transaction process in advance, and
M12 stores transaction processing data. Transaction processing data such as deposits and payments are transmitted via the modem 18 to a connected center (not shown), and necessary data from the center is sent via the modem 18 to the CPU10. The center is equipped with an account file that stores and registers customer data such as customer passwords and deposit amounts by account number.

In the above-mentioned ATV transaction system, a card with fixed data of a withdrawal amount recorded on a magnetic stripe is issued to the customer.

Next, the specific operation of withdrawal transaction processing at the ATM will be explained with reference to the flowchart shown in FIG.

Step nl (hereinafter step ni is simply referred to as ni)
When the card is inserted, the card information is read (
n2). Next, the fixed withdrawal amount data read from the card is displayed on the CR7 screen (n3, n4). FIG. 4 shows the withdrawal amount display and confirmation waiting screen. When the customer withdraws the withdrawal amount from the card, the user presses down the confirmation key 32.

When the confirmation key 32 is operated, the process moves to a withdrawal process for the displayed amount (n5-=n8). In the withdrawal process (n8), the displayed amount is discharged after checking the password, checking the account and balance through communication with the center, and the process ends.

On the other hand, if the customer wishes to withdraw an amount different from the displayed amount, he or she depresses the correction key 31. By pressing the correction key 31, an amount acceptance screen is displayed on the CR7 screen and a key-in of the withdrawal amount is accepted (n6, n7). FIG. 5 shows the amount acceptance screen. On the same screen, the numeric keypad, cancel key, and correction key necessary for inputting amounts are displayed along with amount acceptance guidance. The customer enters the desired amount on this screen. When the key-in of the withdrawal amount is completed, the process proceeds to withdrawal processing based on the key-in amount (n6→n8).

When the cancel key 30 (see FIG. 4) is pressed down in step n5, the withdrawal transaction is canceled.

Through the above operations, when the card is inserted, the fixed withdrawal amount data is read and the amount is withdrawn, simplifying the transaction operation and increasing the processing speed. By accepting amount key-in, the versatility of transactions can be improved.

The above n5 corresponds to the amount checking means of the present invention, n8 corresponds to the processing means of the present invention, and n6 corresponds to the deposit/withdrawal amount input receiving means. Note that the present invention can also be applied to ATMs, CDs, etc. that use cards on which deposited amounts are recorded as fixed data in advance.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the operation of withdrawal transaction processing in an ATM that is an embodiment of the present invention, and FIG.
3 is a schematic block diagram of the internal structure of the ATM, and FIGS. 4 and 5 are diagrams showing a confirmation screen and an amount acceptance screen, respectively, displayed on the CRT screen of the ATM. 13-card reader, 31-correction key, 32-confirmation key.

Claims (1)

[Claims] (1) In an automated teller machine that uses a card as a medium and processes deposits and withdrawals transactions through operations by the user, it includes a card reader that reads the deposit and withdrawal amount written on the card, and a card reader that reads the amount read by the card reader. an amount confirmation means for displaying the amount and determining whether a confirmation instruction has been given by the customer at that time; a processing means for processing a deposit/withdrawal transaction based on the displayed amount when the amount confirmation means determines that a confirmation instruction has been given; An automatic cash transaction device comprising a deposit/withdrawal amount input receiving means that accepts input of a deposit/withdrawal amount when the confirming means determines that there is no confirmation instruction.