JPH0684049A - Automated teller machine - Google Patents

Abstract

(57) [Summary] [Purpose] To provide an automated teller machine that allows an operator to carry out a transaction while referring to his or her deposit balance without increasing the number of center exchanges per transaction. [Structure] Information on the deposit balance and the transaction date and time at the time of the previous transaction is recorded in a transaction medium such as a magnetic card, and when a withdrawal transaction is performed using the magnetic card, the automatic teller machine uses the magnetic card Read the information of and display the deposit balance and transaction date and time on the display screen. Further, when a transaction is made, the information on the deposit balance and transaction date and time on the medium is updated using the center communication result.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine for automatically performing banknote deposit / withdrawal business, fund transfer business, etc. on behalf of a bank clerk among banking businesses. The present invention relates to an automated teller machine in which a deposit balance is displayed when a withdrawal transaction is performed, and a user confirms the deposit balance so that a withdrawal transaction can be made.

[0002]

2. Description of the Related Art The procedure for performing a balance inquiry transaction in a conventional automated teller machine is generally as follows. Select "Balance Inquiry" from the transaction menu. Insert the card. Enter your PIN. When the operator operates according to the above procedure, the automated teller machine communicates with the center and exchanges predetermined information. Display the balance on the display. Alternatively, the statement slip with the balance printed is released. Release the card. , And the transaction ends.

On the other hand, the operation procedure for withdrawing a deposit with a card in the apparatus is generally as follows. Select "Withdrawal" from the transaction menu. Insert the card. Enter your PIN. Enter the withdrawal amount. When the operator operates according to the above procedure, the automated teller machine communicates with the center and exchanges predetermined information. Release cards, bills and cash. , And the transaction ends.

As described above, in the automatic teller machine according to the prior art, the operator needs to confirm the balance of his / her own account and perform the transaction operation twice in order to satisfy the demand for withdrawing the deposit. there were. Moreover, since these transactions are independent, it was not possible to enter the withdrawal amount while referring to the balance. Therefore, as a solution for this problem, for example, as in Japanese Patent Laid-Open No. 62-256079, when the information of the inserted card is read in the payment transaction, the balance is automatically set to the center based on the information. A method of making an inquiry and using the obtained balance information to display a payment amount input guidance screen that also serves as a balance display has been proposed.

[0005]

In recent years, the number of automated teller machines installed has increased rapidly, and along with this, the number of communications from each device received by the center has also increased rapidly. Therefore, in each device, the processing method is devised so as to reduce the frequency of center communication. For example, for multiple input items required for transactions, instead of performing center communication for each input of each item, after entering all necessary items, center communication is performed collectively, so that one center I try to close the transaction by communication. this is,
It is also carried out in the above withdrawal transaction example. However, according to the processing procedure according to the above solution, there is a problem that the center communication needs to be performed twice, once when the balance is inquired and once when the payment amount is transmitted, and the number of the center communication per transaction is increased. It was The present invention has been made in view of the above problems, and an object of the present invention is to allow an operator to perform transactions while referring to his or her deposit balance without increasing the number of center exchanges per transaction. An object is to provide an automated teller machine which can be used.

[0006]

In order to achieve the above object, according to the present invention, the personal recognition medium is made to be able to record the deposit balance of the operator's deposit account, transaction date and time, etc. as a part of personal information, and cash The control unit of the automatic transaction device is configured to display the deposit balance and transaction date and time read from the individual recognition medium on the display means during the withdrawal transaction.
Further, the control unit of the automatic teller machine is configured to write the deposit balance after the transaction and the transaction date and time of the transaction into the personal identification medium during the transaction.

[0007]

In general, when operating the automatic teller machine, a magnetic card is used as a personal recognition medium. Therefore, the deposit balance at the end of the transaction and the date and time of the day are recorded in the magnetic stripe of the magnetic card. When the magnetic card is inserted at the next transaction, the automated teller machine reads the personal information in the magnetic stripe, the deposit balance recorded at the previous transaction, the date, and the time. When the transaction is a withdrawal transaction, the read deposit balance, date, and time are displayed on the display screen. By doing this, the operator can input the withdrawal amount while referring to his / her deposit balance, date, and time recorded on the magnetic card, without increasing the number of communications with the center per transaction. it can.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to an automatic teller machine (hereinafter, AT
An example in the case of being applied to a withdrawal transaction described in M) will be described with reference to the drawings. In each drawing, the same reference numeral indicates the same object. FIG. 1 shows an example of a withdrawal amount input guidance screen during a withdrawal transaction according to the present invention.
In the screen, a display 103 showing ten keys and function keys used for inputting the amount of money, and an amount display field 101 for displaying the input amount of money are arranged. further,
Information such as the balance at the time of the last transaction is displayed in the balance display field 102, which will be described later. Figure 2 is ATM
Represents the hardware configuration of the CRT display 20
3 and the customer operation unit 20 including the touch panel 204
2, card information reading / writing mechanism 205, banknote deposit / withdrawal mechanism 206, journal printing mechanism 208, passbook printing mechanism 20
9, a power supply unit 210, a coin deposit / withdrawal mechanism 211 are provided,
A control unit 201 for controlling the customer operation unit and each mechanism is provided, and the control unit 201 is connected to a host device (not shown) through a communication line through an interface unit 207. FIG. 3 shows a transaction processing flow of ATM at the time of withdrawal transaction based on the present invention. FIG. 4 shows a personal information recording location on a magnetic card which is an individual recognition medium owned by the operator and used for operating the ATM. On the magnetic stripe 401, the financial institution code 402, the branch code 403, the account number 404,
In addition to name 405, etc., deposit balance 406, transaction date and time 407
Is recorded.

Next, a withdrawal transaction processing procedure based on the present invention will be described with reference to the flowchart of FIG. In the following, it is assumed that the operator's input operation is performed by the touch panel 204 and the operation guidance from the ATM is performed by the CRT display 203. Figure 3
At, in the state where the transaction selection screen is displayed on the CRT display 203 (301), the operator selects a withdrawal transaction (302). The ATM displays a guidance for prompting card insertion at 303, and the operator inserts a magnetic card at 304. Subsequently, at 305, the ATM displays a screen for inputting the personal identification number, and the operator inputs the personal identification number at 306, while the ATM accesses each recording location of the magnetic stripe 401 of the magnetic card inserted at 304. hand,
The data recorded in each recording location is read (307). When both 306 and 307 are completed, the ATM displays a withdrawal amount input guidance screen as shown in FIG. 1 (308). In this guidance screen, in addition to the input key 103 normally displayed and the input amount display field 101, the balance display field 10 based on the information read in 307.
The deposit balance and the transaction date and time at the time of the previous transaction are displayed in 2.

The reason for recording the transaction date and time in addition to the deposit balance on the magnetic card and displaying the transaction date and time in the balance display column in addition to the deposit balance is as follows. by. That is, the deposit balance fluctuates due to, for example, a transfer of a salary or an automatic withdrawal of a loan, in addition to a transaction by operating an automatic teller machine using a magnetic card. Therefore, the deposit balance recorded at the end of the transaction by the automated teller machine is guaranteed to be the correct deposit balance at the time of the next transaction by the automated teller machine. If there is an automatic withdrawal, the actual deposit balance does not always match the deposit balance recorded on the magnetic card. Therefore, it is desirable to clearly indicate that the deposit balance is a reference value by displaying the date and time when the transaction was performed together with the deposit balance at the time of the previous transaction.

The operator inputs the withdrawal amount at 309.
Input using the input key 103, input amount display field 101
The point of confirming the display is similar to that of the conventional ATM. Since the information necessary for the withdrawal transaction has been input by the above operation, the ATM displays at 310 that it is currently processing, and as shown in 311 such as cash withdrawal processing including communication with the center. Various kinds of processing. Where A
The TM receives a series of information to be printed on the transaction statement from the center. Since it contains the deposit balance information, the value is used to calculate the deposit balance at that point and the information from the center. The time when the message is received is recorded in the deposit balance recording place 406 and the transaction date and time recording place 407 on the magnetic stripe 401, respectively. Then, this recording is performed not only in the case of withdrawal transactions but also in the case of other transactions. Although omitted from the flow description, the collation processing of the personal identification number is also performed in 311. This is because the center communication is performed collectively for a plurality of input items. When all the above processing is completed and preparations for releasing the transaction medium such as cash, card, statement slip, etc. are completed, the ATM displays a medium reception guidance screen and releases the transaction medium (31
2, 313). At 314, the operator receives the ejected media and ends the transaction.

In the above embodiment, a magnetic card is used as the personal identification medium, but it goes without saying that an IC card or a multi-stripe card may be used as the personal identification medium instead of the magnetic card.

[0013]

As described above, according to the present invention, the information of the deposit balance of the operator and the date and time are recorded on the insertion medium used for the transaction, and the information is stored in the withdrawal transaction. Since the deposit balance, date, and time are displayed based on the original, the operator can make a transaction while referring to his or her deposit balance, date, and time without increasing the number of communications with the center per transaction. Therefore, it is possible to improve the efficiency of communication processing associated with transactions and improve operability. Further, in the transaction, the information on the deposit balance, date, and time on the transaction medium can be updated by using the result of the normal center communication.

[Brief description of drawings]

FIG. 1 is a diagram showing an example of an amount input guidance screen during withdrawal transactions according to the present invention.

FIG. 2 is a diagram showing a hardware configuration of an automatic teller machine.

FIG. 3 is a diagram showing a withdrawal transaction processing flow of the automatic teller machine according to the present invention.

FIG. 4 is a diagram showing a personal information storage location on a magnetic card owned by an operator.

[Explanation of symbols]

101 withdrawal amount display unit 102 balance and date / time display unit at the time of the last transaction 103 input keys (area defined on touch panel 204) 201 control unit 202 customer operation unit 203 CRT display 204 touch panel 205 card information reading / writing mechanism 206 banknote Deposit / withdrawal mechanism 207 Interface section 208 Journal printing mechanism 209 Passbook printing mechanism 210 Power supply section 211 Coin deposit / withdrawal mechanism 401 Magnetic stripe 402 Financial institution code recording location 403 Branch code recording location 404 Account number recording location 405 Full name recording location 406 Deposit balance recording location 407 Transaction date / time recording location

Claims (2)

[Claims] 1. An automated teller machine including a read / write means for reading information from a personal recognition medium and writing information to the medium, a customer operation section having an input means and a display means, and a control section. The personal recognition medium is capable of recording the deposit balance of the operator's deposit account, transaction date and time, etc. as a part of the personal information, and the control unit causes the reading / writing means to perform the personal recognition at the time of withdrawal transaction. An automatic teller machine comprising means for displaying a deposit balance and transaction date and time among personal information read from a medium on a display means of the customer operation unit. 2. An automated teller machine comprising a read / write means for reading information from a personal recognition medium and writing information on the medium, a customer operation section having an input means and a display means, and a control section. The personal recognition medium is capable of recording the deposit balance and transaction date and time of the operator's deposit account as a part of personal information, and the control unit, at the time of transaction, deposit balance after transaction and transaction date and time of transaction. An automatic teller machine, comprising means for writing into the personal identification medium by the reading and writing means.