JP2001052084A - How to select a financial institution using an automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To share a single cash automatic transaction machine among a plurality of financial institutions and to enable a user to perform transactions on the cash automatic transaction machine with accustomed transaction screens and operation procedures of a financial institution. SOLUTION: A screen for financial institution selection is prepared and displayed (501); and when a financial institution is selected (502), the Internet address of the financial institution stored in a memory is retrieved (503), and the cash automatic transaction machine is connected to the WEB server of the banking organ by using the obtained internet address of the financial institution (504), and operation flow data and transaction screen data on a cash automatic transaction machine of the selected financial institution are downloaded (505), and transaction selection screens are successively displayed on the basis of these data (506), and the user executes transactions on these screens, and the WEB server is disconnected after the end of the transactions (507).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of automatically using a cash automatic transaction apparatus which is used for depositing and withdrawing cash at a financial institution and which can be connected to the Internet. The present invention relates to a method of jointly using an automatic teller machine capable of connecting to a plurality of financial institution web servers and displaying a transaction screen of the financial institution.

[0002]

2. Description of the Related Art Conventionally, when an automatic teller machine installed in a bank or the like is used by a user having an account of a financial institution other than the financial institution that owns the device, the automatic cash transaction apparatus is usually used. The operation procedure and the key arrangement of the screen are different from those of the institution's automatic teller machine. Cash is deposited and withdrawn using screens and operations that are not commonly used.

[0003]

As described above, the automatic teller machine is provided with a key for a transaction screen, a timing for inserting a card or a passbook for each financial institution, an amount input, a password input, an account number input, and the like. The order is different, and in the conventional automatic teller machine, when a user who has an account of another financial institution uses it, it is necessary to conduct a transaction using an unfamiliar transaction screen or operation procedure, and the operation takes time. However, there is a problem that the operation is apt to occur and an operation error is likely to occur. Also, convenience stores, stations, and the like have a limit in the number of automated teller machines that can be installed, and it has been impossible to install a cash transaction apparatus of a financial institution owned by all customers who visit there. SUMMARY OF THE INVENTION It is an object of the present invention to enable a user to make a transaction with an automatic teller machine using a transaction screen and an operation procedure of a financial institution usually used. It is another object of the present invention to enable a plurality of financial institutions to share one automatic teller machine.

[0004]

In order to achieve the above object, the present invention relates to a method of jointly using an automatic teller machine which can be connected to the Internet, and a method for selecting a financial institution for selecting a financial institution. The screen data and the Internet address of each financial institution are stored in a storage device, and the financial institution selection screen is displayed at the time of the user's transaction start, and when the financial institution is selected by the user, the selected financial institution is displayed. The address is read from the storage device, the read address is used to connect to the web server of the selected financial institution via the Internet, and the data and operation flow of the transaction screen of the financial institution on the web server of the financial institution. Downloads data describing the scenario of the operation flow, and downloads the data according to the scenario of the downloaded operation flow. Sequentially displays the transaction screen, a user in the display and on-screen is to allow trading operation.

[0005] Another method is to use an automatic teller machine that can be connected to the Internet, in which the Internet address of the financial institution to be connected is stored in a card used by the user, and the user inserts the card. In response to the,
The Internet address of the financial institution of the connection destination stored in the card is read, and the read address is used to connect to the WEB server of the selected financial institution via the Internet and to be on the WEB server of the financial institution. The data of the transaction screen of the financial institution and the data describing the operation flow scenario are downloaded, and the downloaded transaction screen is sequentially displayed in accordance with the downloaded operation flow scenario. You can operate trading.

[0006] Further, the present invention relates to a method of jointly using an automatic teller machine which can be connected to the Internet, in which data of a financial institution selection screen for selecting a financial institution and an Internet address of each financial institution are stored in a storage device. Storing the Internet address of the financial institution to be connected to on the card used by the user, displaying the financial institution selection screen at the time of the user's transaction start, and selecting the financial institution when the user selects the financial institution. When the card is inserted by the user by reading the address of the financial institution read from the storage device, connecting to the web server of the selected financial institution via the Internet using the read address,
The Internet address of the financial institution of the connection destination stored in the card is read, and the read address is used to connect to the WEB server of the selected financial institution via the Internet and to be on the WEB server of the financial institution. The data of the transaction screen of the financial institution and the data describing the operation flow scenario are downloaded, and the downloaded transaction screen is sequentially displayed in accordance with the downloaded operation flow scenario. You can operate trading.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the drawings. FIG. 1 is an external configuration view showing an embodiment of an automatic teller machine to which the present invention is applied. The automatic teller machine of this embodiment can be used by users of a plurality of financial institutions such as convenience stores, department stores, and stations. It is supposed to be installed in an expected place, and includes a customer operation unit 101, a bill receiving / dispensing port 102, a coin receiving / dispensing port 103,
Statement slip exit 104, passbook insertion slot 105, card insertion slot 1
Reference numeral 06 is provided on the front of the apparatus.

FIG. 2 is a block diagram showing a functional configuration of the automatic teller machine shown in FIG.
Magnetic card mechanism 201 for writing, passbook printing mechanism 2 for reading / writing passbook magnetic stripe
02, bill receiving / dispensing mechanism 203, coin receiving / dispensing mechanism 20
4, a power supply unit 205, a control unit 206 for controlling units of the entire apparatus, a journal printing mechanism unit 207, a touch input / display unit 20 for inputting by a user or displaying various information.
8, a transmission control unit 209 that communicates with the WEB server of each financial institution.

FIG. 3 shows an automatic cash transaction apparatus 30 shown in FIG.
1 and WEB servers 302 to 304 of each financial institution, showing the system configuration of the present invention. FIG. 4 is an initial screen "financial institution selection screen" of the automatic teller machine of the present invention, and FIG. 5 is a flowchart showing an embodiment of the present invention.

[0010] In the automatic teller machine having the above-described configuration, in a state of waiting for a customer operation, an initial screen shown in FIG. 4 is displayed (501) and the operation of the customer is waited (502). When a user withdraws or deposits cash using the automatic cash transaction apparatus, the user first selects a financial institution usually used on the transaction screen of FIG. Here, it is assumed that the “A financial institution key” (401) in FIG. 4 has been pressed.

The automatic teller machine uses the Internet address table of each financial institution held in advance in advance when the user selects the A financial institution key (401).
The selected financial institution A is searched (503), and the Internet address of the financial institution that matches as a result of the search is used as a key to connect to the web server (302) of financial institution A via the Internet (504). After the connection is normally made, the data describing the scenario of the operation flow relating to the automatic teller machine and the data of the transaction screen are downloaded from the WEB server of the financial institution A to the automatic teller machine (505). A transaction selection screen is displayed (506) on the touch input / display unit (208) of the automatic teller machine from the transaction screen data downloaded based on the operation flow scenario.

[0012] After the transaction screen is displayed, the user inserts a card or passbook in accordance with the guidance of the transaction screen, conducts a transaction such as withdrawal or deposit in the same manner as a normal transaction, and finally, a card, passbook, cash. , Receipts, etc. are received.

When the receipt of the final medium is completed, the automatic teller machine releases the connection with the server (302) of the financial institution A connected (507), and waits for the next customer operation as shown in FIG. Display the initial screen. Thereafter, in the same manner as the procedure described above, the financial institution selected by the next user uses the Internet address of the financial institution previously held in the automatic teller machine to transmit the WEB of the financial institution.
It connects to the server, downloads the data describing the scenario of the operation flow and the data of the transaction screen, and implements the transaction by using the transaction screen and the operation procedure of the financial institution selected by the user.

In the above embodiment, the financial institution selection screen is displayed, and the user is allowed to select a financial institution on the screen. The user simply reads the Internet address stored in the card simply by inserting the card, and the automatic teller machine sends via the Internet the web server of the financial institution of the read Internet address. May be connected. In addition, a financial institution selection screen is displayed so that the user can select a financial institution on the screen, and the Internet address of the financial institution to be connected is stored in a card used by the user. The user may be allowed to select whether to select the above financial institution or to insert a card.

Next, FIG. 6 shows a transaction processing flow in the case where the financial institution A is selected as the financial institution and a transaction processing flow in the case where the financial institution B is selected, and an example of the transaction screen sequentially displayed in accordance with this flow. The case of financial institution A (screen example (A)) and the case of financial institution B (screen example (B)) will be described in comparison. At the start of the transaction, a welcome screen is first displayed. In the screen 1 of (A), the transaction selection key is arranged at the center of the screen, whereas in the screen 2 of (B), the transaction keys are arranged at both ends of the screen. Also, the order of the keys varies depending on the financial institution, and the transaction key also differs depending on the transactions supported by the financial institution. Examples of other keys include “periodical”, “caching”, “caching inquiry”, “credit”, “credit inquiry”, and the like.

A transaction is selected on the welcome screen. In this example, it is assumed that “payment” is selected.
Next, when a guard is inserted and the process proceeds to the process of inputting a personal identification number, screen 3 or screen 4 is displayed. The screen 3 in (A) has numeric keys arranged in the order of “1” to “0” from the left, while the screen 4 in (B) is arranged in the same arrangement as a calculator or a PC keyboard. . As a special example of the screen 3 of (A), there is a screen of a type in which numeric keys are arranged in the order of “1” to “0” from the left. Also, a cancel key,
The location of the correction key varies from financial institution to financial institution.

When a password is input and then the operation proceeds to the input of the amount, the screen 5 or 6 is displayed.
In the screen 5 of (A), like the password input screen, the numeric keys are arranged in the order of “1” to “0” from the left.
The screen 6 shown in FIG. 3B is arranged in the same arrangement as a calculator or a PC keyboard. Also on this screen, the positions of the cancel key and the correction key vary depending on the financial institution. Hereinafter, the transaction is completed by sequentially performing operations of the amount confirmation, the pressing of the “confirm” key, the receipt of the card / statement slip, and the receipt of the bill.

As described above, using the automatic teller machine that can be connected to the Internet, the user connects to the WEB server of the financial institution that the user is usually accustomed to, and the data and the transaction screen describing the scenario of the operation flow of the financial institution. By downloading the above data and providing the user with an operation procedure and a transaction screen that are familiar to the user, the operation time of the user can be shortened and operation errors can be prevented, leading to an improvement in service.

[0019]

As described above, according to the present invention, a user can make a transaction using a transaction screen and operation procedures of a financial institution that is usually used. In addition, since one device can be shared by a plurality of financial institutions even in a financial institution, even in a space where the installation place is limited, it becomes possible for a plurality of financial institutions to install an automatic teller machine. .

[Brief description of the drawings]

FIG. 1 is an external configuration diagram showing an embodiment of an automatic teller machine to which the present invention is applied.

FIG. 2 is a block diagram showing a functional configuration of the automatic teller machine.

FIG. 3 is a system configuration diagram showing an automatic teller machine and a financial institution server to which the present invention is applied.

FIG. 4 is an operation screen diagram for prompting a user to select a financial institution or to insert a card.

FIG. 5 is a flowchart showing an embodiment of the present invention.

FIG. 6 is a diagram showing an example of a transaction screen of two financial institutions sequentially displayed according to a scenario of an operation flow.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 101 Customer operation part 102 Banknote deposit / withdrawal port 103 Coin deposit / withdrawal port 104 Account slip exit 105 Passbook insertion port 106 Card insertion slot 201 Magnetic card mechanism part 202 Passbook printing mechanism part 203 Banknote deposit / withdrawal mechanism part 204 Coin deposit / withdrawal mechanism part 205 Power supply Unit 206 control unit 207 journal printing mechanism unit 208 touch input and display unit 209 transmission control unit 301 automatic teller machine 302 to 304 WEB server of each financial institution

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[Procedure amendment]

[Submission date] July 31, 2000 (2007.3.
1)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Name of invention

[Correction method] Change

[Correction contents]

Patent application title: Method of selecting financial institution by automatic transaction device

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Change

[Correction contents]

[Claims]

[Procedure amendment 3]

[Document name to be amended] Statement

[Correction target item name] 0004

[Correction method] Change

[Correction contents]

[0004]

In order to achieve the above object, in the method for selecting a financial institution of an automatic transaction apparatus according to the present invention, the automatic transaction apparatus is connected to a communication network, and the communication network includes servers of a plurality of financial institutions. Is connected, the storage device of the automatic transaction device stores the data of the financial institution selection screen for selecting the financial institution and the address data of each financial institution, and at the time of the transaction, the automatic transaction device first stores in the storage device The stored financial institution selection screen is displayed, and when the user looks at the display and selects a desired financial institution on the financial institution selection screen, the address data of the financial institution is read from the storage device, and the read address is read. The data is used to connect to the server of the financial institution via the communication network, and the server of the financial institution automatically transmits the data on the transaction screen of the financial institution and the data describing the operation procedure on this server. Reading the transaction device, an automatic transaction apparatus sequentially displays the transaction screen read in accordance with the read out operation procedure is to perform the transaction processing by the displayed transaction screen. In the method for selecting a financial institution of the automatic transaction apparatus according to the present invention, the automatic transaction apparatus is connected to a communication network, stores address data of a connection-destination financial institution in a medium (such as a card) owned by a user, and performs transaction. Sometimes, when the user inserts the medium into the automatic transaction device, the automatic transaction device reads the address data stored on the medium,
The read address data is used to connect to the server of the financial institution via the communication network, and from the server of the financial institution, the data of the transaction screen of the financial institution on this server and the data describing the operation procedure are transmitted to the automatic transaction apparatus. The automatic transaction apparatus downloads and sequentially displays the transaction screens read out according to the downloaded operation procedure, and performs the transaction processing on the displayed transaction screen.

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0005

[Correction method] Deleted

[Procedure amendment 5]

[Document name to be amended] Statement

[Correction target item name] 0006

[Correction method] Deleted

Claims (3)

[Claims] 1. A method of jointly using an automatic teller machine that can be connected to the Internet, wherein data on a financial institution selection screen for selecting a financial institution and an Internet address of each financial institution are stored in a storage device. The financial institution selection screen is displayed when the user starts trading,
When a user selects a financial institution, the address of the selected financial institution is read from the storage device, and the read address is used to connect to the WEB server of the selected financial institution via the Internet. Downloading the data on the transaction screen of the financial institution and the data describing the operation flow scenario on the institution's WEB server, sequentially displaying the downloaded transaction screen in accordance with the downloaded operation flow scenario, and displaying the data A method of jointly using an automatic teller machine, wherein a user can perform a transaction operation on a set screen. 2. A method of jointly using an automatic teller machine capable of connecting to the Internet, wherein a card used by a user stores an Internet address of a financial institution to be connected to, and the user's card is used. In response to the insertion, the Internet address of the financial institution of the connection destination stored in the card is read, and the read address is used to connect to the web server of the selected financial institution via the Internet. Downloading the data of the transaction screen of the financial institution and the data describing the operation flow scenario on the WEB server, sequentially displaying the downloaded transaction screen according to the downloaded operation flow scenario, and displaying the displayed screen Of a cash automatic transaction device characterized by allowing a user to perform a transaction on the The same usage. 3. A method of jointly using an automatic teller machine which can be connected to the Internet, wherein data of a financial institution selection screen for selecting a financial institution and an Internet address of each financial institution are stored in a storage device. Then, the Internet address of the financial institution to be connected is stored in the card used by the user, and the financial institution selection screen is displayed when the user starts the transaction,
When a financial institution is selected by the user, the address of the selected financial institution is read from the storage device, and the read address is used to connect to the web server of the selected financial institution via the Internet. When the card is inserted, the Internet address of the connection destination financial institution stored in the card is read, and the read address is used to connect to the WEB server of the selected financial institution via the Internet. Downloading the data of the transaction screen of the financial institution and the data describing the operation flow scenario on the WEB server of the financial institution, sequentially displaying the downloaded transaction screen according to the downloaded operation flow scenario, A special feature is to allow users to perform transaction operations on the displayed screen. Joint usage of the automated teller machine to be.