JPS6350752B2 - - Google Patents

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention is applicable to transfers at financial institutions such as banks,
This invention relates to an automated transaction device that allows customers to perform exchange operations such as remittances.

[Conventional technology]

2. Description of the Related Art Recently, automatic transaction devices such as banks and other financial institutions have been put into operation by adding a transfer function to automatic deposit/withdrawal devices to automate money exchange counter operations at financial institutions.

These conventional automatic transaction devices require only a small amount of time to process transferred cash, but they do require a lot of time, including selecting the transaction, specifying a card or cash, specifying the type of financial institution, and inputting the first letter of the name of the financial institution to which the transfer should be made. The customer's operations and input items are many and varied, such as selecting a financial institution, inputting and selecting the first letter of the branch name, specifying the account to which the transfer should be made, account number input, and beneficiary name input, which requires a considerable amount of time.

In particular, since these operations are performed by a customer who is not familiar with the operation keys while looking at the guidance on the display, it generally takes more time than necessary.

[Problem that the invention seeks to solve]

As mentioned above, since inexperienced customers have to perform a large number of operations, conventional devices have a problem of poor transaction processing efficiency, not being able to fully utilize their capabilities, and resulting in relatively expensive devices.

The present invention aims to reduce the idle time of a cash processing section by allowing a plurality of customers to simultaneously input items necessary for a transfer transaction.

[Means for solving the problem] Therefore, the present invention provides a single cash processing unit that processes cash with a plurality of transaction processing units that input transaction information, and each transaction processing unit an input means for key-inputting information; a display section that guides the customer to operate the input means and displays necessary transaction information; a card reader that reads customer information from the customer's card; A storage means for storing input information from a card reader, etc., an issuance means for recording and issuing information corresponding to a specific transaction selected by a customer on a recording medium, and a transaction when a transfer transaction is performed by the card. It has a printer that prints and issues details on receipts,
The cash processing unit also includes a reading unit that reads information from the recording medium, a currency discrimination unit that determines the authenticity, denomination, etc. of the currency being traded, a counting unit that counts the currency, and a bank that collects and receives money deposited by the customer. The automatic transaction device has an excess/deficiency handling means for discharging change or requesting a shortage amount by comparing and calculating the amount of money collected and the transaction amount, and a printer for printing and issuing transaction details on a receipt.

[Effect]

According to the above-mentioned method, multiple customers can input the items necessary for a transfer transaction at the same time in multiple transaction processing units provided separately from the cash processing unit, and the customers can input their own transactions issued from this transaction processing unit. By simply receiving a recording medium that records the corresponding information and inserting this recording medium into the reading device of the cash processing section, you can have the automatic transaction device identify your transaction, and the cash processing section will insert the recording medium and check the Cash processing operations can be performed simply by performing the input operation. Furthermore, when performing a transfer transaction using a card, the transaction is performed only by operating the transaction processing section without operating the cash processing section. Therefore, the customer's waiting time is reduced and service is improved, and the operating efficiency of the device is improved, making it possible to process transactions such as transfers in a short time.

〔Example〕

Hereinafter, one embodiment of the present invention will be described based on the drawings.

FIG. 1 is an apparatus configuration diagram showing an embodiment of the present invention, in which 1a, 1b, and 1c are transaction processing units, and 2 is a cash processing unit, and the cash processing unit 2 is the transaction processing unit 1a, 1b. , 1c are connected.

In this device, the customer has a transaction processing section 1a,
The time-consuming and time-consuming transfer processing information is input into either device 1b or 1c, and then the device issues the customer a recording medium holding the contents of the transfer processing information. The customer inserts the recording medium into the cash processing section 2. The cash processing unit 2 reads and displays the contents of the recording medium and requests confirmation from the customer. When the customer inserts cash after confirming the display, the cash processing unit 2
The transaction is completed after processing the transaction and releasing the necessary change and receipt.

Next, the device configuration of the transaction processing units 1a, 1b, and 1c will be explained. Since the devices are the same, one will be explained as a representative.

FIG. 2 is an external perspective view of the transaction processing unit, in which numeral 3 is a card inlet/outlet, 4 is a kana keyboard for inputting transfer information, and 5 is a corporation key for selecting the type of corporation, which constitutes an input means. Reference numeral 6 denotes a CRT display as a display unit for displaying information necessary for transactions, and has a touch sensor key panel, and together with the kana keyboard 4 and corporate key 5 constitutes an input means. 7 is CRT
Function keys for confirming, correcting, canceling, etc. the contents displayed on the display 6; 8 a recording medium receiving slot for a recording medium holding input information; 9 a receipt receiving slot; 10 a customer operation unit consisting of the above-mentioned components; be.

FIG. 3 is a block diagram showing the internal structure of the transaction processing unit, in which 11 is a card, 12 is a card reader connected to the card entrance/exit 3 shown in FIG. 2, and 13 is a card reader.
14 is a receipt, 15 is a cassette for storing the receipt 14, and 16 is a receipt 14.
17 is a receiving box for receipts 14 that do not need to be released; 18 is a card reader/printer control unit; 19 is a receipt conveyor connected to the receipt receiving port 9 shown in FIG. 2; 20 is a receipt conveyor for operating the device; 21 is a receipt transport control unit; 22 is a number plate as a recording medium that holds input information; 23 is a number plate that holds input information and releases the number plate 22; A issuing machine, 24 a cassette for storing unused number plates 22, 25 a number plate issuing control unit, 26 a CRT having a keyboard with the kana keyboard 4, corporate key 5, function key 7, and a touch sensor key panel.
An operation section 27 consisting of a display 6 etc. has a storage means for inputted transfer information, and the card reader/printer control section 18 and receipt conveyance control section 2
1. Main control unit that controls the number plate issue control unit 25;
28 is an interface section connected to the main control section 27, and this interface section is connected to other devices. Reference numeral 29 denotes a power supply device interposed between the external power supply and the main control section 27.

Next, the device configuration of the cash processing section 2 will be explained.

FIG. 4 is an external perspective view of the cash processing section 2.
0 is a number plate insertion slot, 31 is a CRT display as a display section for transfer information based on the number plate 22,
32 is a function key for checking or canceling the contents of the CRT display 31; 33 is a bill slot for inserting transferred banknotes and ejecting returned banknotes; 34 is a coin slot for transferring transferred coins; 35 is for returning coins as change. This is the coin return slot.

FIG. 5 is a block diagram showing the internal structure of the cash processing unit 2, and numeral 36 is a number plate reader which is connected to the number plate insertion slot 30 shown in FIG. 37 is the receiving box, 38
39 is the number plate reading control unit shown in FIG. 4 above.
An operation unit 40 consisting of a CRT display 31 and a function key 32 is a bill depositing and dispensing machine connected to the bill inlet/outlet 33 shown in FIG. A currency discriminating unit 40a that discriminates, a counting means thereof, a currency storing/excluding means that stores correctly discriminated coins and excludes falsely discriminated coins, and compares and calculates the input amount with the transaction amount and prompts for input when there is a shortage, and when change is required. It has a surplus/deficiency handling means that releases change,
40b is a storage box that stores banknotes according to denomination and purpose. 41 is a bill depositing and dispensing machine control unit; 42 is a coin depositing and dispensing machine that is continuous with the coin insertion slot 34 and the coin return slot 35 shown in FIG. 4;
The banknote depositing and dispensing machine 40 also has a coin discriminating section, a counting means, a coin storing/excluding means, a surplus/deficit handling means, etc. for coins. Reference numeral 43 indicates a collection box for collecting change left behind by a customer for equipment operation; 44 indicates a coin depositing and dispensing machine control unit; 45 indicates a receipt; 46 indicates a cassette for storing the receipt 45;
7 is a printer that prints on the receipt 45;
Reference numeral 8 denotes a receipt printer control unit, 49 a collection box for collecting the discharged receipts 45 left behind by customers for device operation, and 50 the number plate reading control unit 3.
8. A main control unit that controls the bill depositing and dispensing machine control unit 41, the coin depositing and dispensing machine control unit 44, and the receipt printer control unit 48; 51 is an external interface unit that connects to the main control unit 50; The ace section 51 is connected to the center system. Reference numeral 52 designates an interface unit that is connected to the main control unit 50 and also connects to other devices of this embodiment, 53 is a power supply device interposed between the external power source and the main control unit 50, 54 is a banknote, and 55 is a coin.

FIG. 6 shows a display example of transfer information displayed on the CRT display 31 of the cash processing section 2 described above.

Next, the operation and device operation of the above embodiment will be explained.

First, the transfer information input operation will be explained according to the flowchart of the transaction processing section shown in FIG. In addition, the above-mentioned FIGS. 2 and 3 will be added.

First, select one of the transaction processing units 1a, 1b, and 1c, press the transfer button on the CRT display 6, and specify whether to use a card or cash. If the card is pressed, the card 11 is inserted into the card slot 3. The device checks whether the card 11 conforms to the standard or not, and if the card 11 is correct, it is automatically attracted and the card reader 12 reads the magnetic contents. In addition, in the case of pressing cash, the process moves to selection of a city bank or other bank, which will be described later.

If the card 11 conforms to the specifications, press the number displayed on the CRT display 6 to enter the password.

Press the type of financial institution displayed on CRT display 6 to select city bank or other bank. If a city bank is selected here, the process moves on to selecting the name of the financial institution, which will be described later. If you click on other banks, select the type, long-term credit,
If you select Trust, the number of financial institutions is small, so enter the initials of the financial institution using the kana keyboard 4, but do not do this and instead enter the name of the financial institution displayed on the CRT display 6. specify.

Next, after specifying the city bank, the name of the financial institution is selected from the display on the CRT display 6, and the initial letter of the branch name of the financial institution is input using the kana keyboard 4.

This means that the branch of the relevant financial institution, that is, the transfer destination, has been selected.

Next, press Current or Ordinary on the CRT display 6 to specify the account, press the number displayed on the CRT display 6 to enter the account number, confirm it, and press the function key 7.
Press the confirmation key.

Here, if the transfer destination is within your own bank, the recipient input screen will be skipped. If not, enter the recipient's name using the kana keyboard 4 or corporate key 5. This will be displayed on the CRT display 6, so check it and press the confirmation key on the function key 7.

Here, in the case of a card transaction, the process moves on to inputting the amount to be transferred, which will be described later, but in other cases, the client's name is input using the kana keyboard 4 or corporate key 5. This will be displayed on the CRT display 6, so check it and press the confirmation key on the function key 7. The client's telephone number is also input on the CRT display 6, confirmed, and the confirmation key on the function key 7 is pressed.

Then, press the numbers on the CRT display 6 to input the transfer amount, confirm it, and press the confirmation key on the function key 7. Here, the device processes the input transfer information as described above, inquires the center about the transfer destination, and displays it on the CRT display 6.
If there is no mistake in this content, press the confirmation key of function key 7.

The input of the transfer information described above is input to the main control section 27, and is displayed on the CRT display 6 together with the financial information stored in the main control section 27.
Since the CRT display 6 has a touch sensor key panel, information can be input using the CRT display 6 as described above. Also,
In addition to the confirmation key, the function key 7 has a correction key, which can be used as necessary to return to the previous step and redo the operation.
Furthermore, there is also a cancellation key, which allows you to cancel the transaction.

As a result of the above operation, the main control unit 27 operates the number plate issuing machine 23 via the number plate issuing control unit 25,
The number plate 23 is taken out from the cassette 24, retaining the transfer information, and is ejected from the apparatus. On the other hand, when all transactions are carried out by card, information processing such as debiting the transfer amount from the client's account and transferring it to the recipient's account is performed at the center, and the main control unit 27 is notified of the completion of this processing. Then, the main control section 27 reads the cassette 1 via the card reader/printer control section 18.
The details of the transaction are printed on the receipt 14 of No. 5 by the printer 17, and the printed information is discharged to the outside of the apparatus by the receipt conveyor 19, and the number tag 22 is not issued. A copy of the receipt 14 is stored in the cassette 14. Since the receipt 14 is unnecessary when issuing the number tag 22, it is collected in the receiving box 17. Further, if the customer forgets to take out the discharged receipt 14 from the receipt conveyor 19, the device remains in the same state, so it is collected in the receiving box 20 so as not to interfere with the operation of the device.

In the case of a transaction using only the card 11 as described above, the receipt 14 is released into the receipt receiving slot 9 and the card 11 is also ejected from the card slot 3, so that the customer receives it and the transaction is completed.

On the other hand, when the number plate 22 as described above is released from the number plate receiving slot 8, the machine receives it and the work in this device is completed, and the process moves to the next cash transaction processing section 2.

The number plate 22 may be a card-like medium with a magnetic stripe attached, or a card-like paper sheet with perforations or markings. It is also possible to attach a mark or the like and read it optically or mechanically. The information content may be anything that specifies the transaction, so it may be, for example, sequence number, transfer destination, transfer person, or all items input by the customer.

Next, regarding the cash transaction work, according to the flowchart of the cash processing section shown in FIG.
This will be explained with reference to FIGS.

The customer moves to the cash processing section 2 carrying the number plate 22 as described above, and inserts the number plate 22 from the number plate insertion slot 30 according to the CRT display 31. The transaction processing unit 2 reads the number plate 2 using the number plate reader 36.
2, and inputs the information from the number plate reading control section 38 to the main control section 50, and the main control section 50 displays the transfer information on the CRT display 31 of the operation section 39 to confirm the transfer details. encourage. this
An example of the display of the transfer details on the CRT display 31 is shown in FIG. 6, in which the contents are clearly shown in characters. Note that O is shown instead of a letter.

Check the contents of the CRT display 31 and press the confirmation key of the function key 32. Of course, it can also be canceled using the cancellation key.

By pressing the confirmation key, the user is prompted to insert cash, so the user inserts the predetermined amount of cash. At this time, 54 banknotes
is from the bill inlet/outlet 33, and the coin 55 is from the coin inlet 3.
Add each from 4 onwards. The authenticity and type of banknotes 54 of the inserted banknotes are determined by the banknote discriminating section 40a, and the banknotes are counted by the counting means, and banknotes determined to be fake are discharged by the banknote storing and removing means. If there is a shortage in the amount, the surplus/deficiency handling means will prompt you to put in the shortfall. When the required amount is collected, the banknotes 54 are stored in a predetermined location in the storage box 40b. On the other hand, the input coins 55 are also processed in the same manner as described above by the coin discrimination section, the counting means, the coin storing/excluding means, the surplus/deficit money handling means, etc., and are stored in a predetermined position in the coin depositing/dispensing machine 42. Ru.

Thereafter, the device performs communication for remittance, compares the input amount and the transaction amount using the excess/deficiency handling means, releases coin change from the coin deposit/disburse machine 42, and causes the device to receive the coins. From, cassette 4
The details of the transaction are printed on the receipt 45 of No. 6 by a printer 47, a copy is taken, and the receipt 45 is conveyed to the next process. Subsequently, the changed banknotes from the banknote deposit/dispensing machine 40 are discharged together with the receipt 45, and the transaction is completed.

Note that if the customer forgets to take the changed coins out of the receiving box 43 of the coin depositing/dispensing machine 42, the device will remain in that state. Allowing you to continue. Furthermore, if the customer forgets to take the ejected receipt 45, the receiving box 49 of the bill depositing and dispensing machine 40 will remain in that state.
9, the receipt 45 is taken in so that the operation of the device can be continued.

The reason why change for coins is released before change for banknotes is to prevent forgetting to take out change for coins.

[Effects of the Invention] As explained above, in the present invention, a single cash processing unit is provided with a plurality of transaction processing units that issue information recording media holding transaction data, so that time-consuming transaction processing can be reduced. Multiple customers can make the same transaction at the same time, which improves the efficiency of device usage. By inserting the issued number tag into the cash processing section, the cash processing section reads the information on the number tag and processes the transfer. The work in the cash processing section is extremely simple, such as inserting cash and receiving change, and takes only a short time, allowing the cash processing section to make full use of its capabilities. Therefore, it has the effect of significantly improving the processing capacity of the entire automatic transaction device.

In addition, in the case of a transfer transaction using a card, although cash processing is not required, in the past, the cash processing section was occupied by the client, but according to the present invention, transactions can be made only by operating the transaction processing section. This means that the cash processing section can be completed without requiring any operations on the cash processing section, which also has the effect of increasing the utilization efficiency of the cash processing section.

Since this corresponds to a plurality of conventional devices, it also has a great economical effect.

This device can be used not only in financial institutions but also in airline ticket issuing devices and commuter pass issuing devices that have complex input and involve cash processing.

[Brief explanation of the drawing]

FIG. 1 is a device configuration diagram showing an embodiment of the present invention;
Fig. 2 is an external perspective view of the transaction processing section, Fig. 3 is its internal configuration diagram, Fig. 4 is an external view of the cash processing section, and Fig. 5 is an external perspective view of the transaction processing section.
6 shows an example of display of transaction information, FIG. 7 is a processing flowchart of the transaction processing section, and FIG. 8 is a processing flowchart of the cash processing section. 1a, 1b, 1c...transaction processing section, 2...cash processing section.

Claims (1)

[Scope of Claims] 1. In an automatic transaction device having a transfer function associated with exchange operations by a financial institution, a plurality of transaction processing units are provided for one cash processing unit that processes cash, and each transaction processing unit includes an input means for key-inputting information necessary for a transaction, a display section that guides the customer to operate the input means and displays the necessary transaction information, and a card reader that reads customer information from the customer's card. , a storage means for storing input information from the input means and a card reader, etc.; an issuance means for recording and issuing information corresponding to a specific transaction selected by a customer on a recording medium; and a printer that prints and issues the transaction details on a receipt when a transaction occurs, and the cash processing unit also includes a reading means for reading information on the recording medium, and a reader for determining the authenticity, denomination, etc. of the currency being transacted. a currency discrimination unit that counts the currency; a currency handling device that compares the amount of money deposited by the customer with the transaction amount and issues change or requests the amount of the shortage; An automatic transaction device characterized by comprising a printer that prints and issues details on a receipt.