JP2008242784A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a customer to immediately decide and select an appropriate account without performing complicated operation, and to reduce a device occupation time of the customer. <P>SOLUTION: When the customer selects a payment transaction, account information of an account balance, a deposit interest rate or the like of a bank account of the customer is acquired from a host computer 2. When the acquired account information shows account information of a plurality of the bank accounts, each account item and the account information are list-displayed on an operation display part 12 as an account selection screen, the account used for the payment transaction is selected. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system for executing a transaction by a customer's operation, and particularly to a payment transaction processing technique for a customer having a plurality of deposit accounts.

For example, as shown in Patent Document 1, in a conventional automatic transaction apparatus, when a customer selects a payment transaction, inserts a transaction card (cash card), and then inputs a PIN number and a withdrawal request amount in order After confirming that the content is correct, the cash amount required for withdrawal is paid out.
JP-A-10-302116 (paragraph “0013”, FIGS. 1 to 3)

However, the conventional techniques described above have the following problems.
That is, if a customer has multiple savings accounts, such as savings deposits, time deposits, or savings deposits, to determine which account it is advantageous to withdraw cash from, the customer himself / herself has the account balance and interest rate ( Inquiries about the status of (deposit interest rate), etc., and after comparison, the account for the payment transaction must be selected, and there is a problem that complicated operations are necessary for the customer, and the customer's operation is complicated Therefore, there is a problem that it takes time and the apparatus occupation time becomes long.

  An object of the present invention is to solve such a problem.

  For this reason, the present invention provides an automatic transaction apparatus that performs a transaction by the operation of a customer.When the customer selects a payment transaction, the account information such as the account balance of the deposit account held by the customer from the host apparatus, the deposit interest rate, etc. When the acquired account information is for a plurality of deposit accounts, each account item and account information is displayed in a list, and an account for payment transaction is selected.

  In this way, the present invention makes it possible for the customer to immediately determine and select an advantageous account without performing complicated operations, and it takes less time to select an account, thereby shortening the device occupation time. The effect that it can be obtained.

  Embodiments of an automatic transaction apparatus and an automatic transaction system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a system configuration diagram showing a first embodiment.
In the figure, 1 is an automatic transaction apparatus (hereinafter referred to as ATM) installed at a sales office of a financial institution, and 2 is a host computer (host apparatus: hereinafter referred to as host) installed in the center of the financial institution. Connected via communication line.
ATM1 is a device that executes various transactions by customer operations, and includes an operation display unit 12, a deposit / withdrawal unit 13, a card read / write unit (card R / W unit) 14, a passbook printing unit 15, a receipt printing unit 16, a storage A unit 17 and a control unit 18 are provided.

The operation display unit 12 has a structure in which a touch panel as an input unit is arranged on a display unit such as an LCD for displaying operation guidance, input keys, information input by the customer, and the like to the customer.
The deposit / withdrawal unit 13 has a function of depositing / withdrawing cash (banknotes and coins) associated with transactions, and the card read / write unit 14 is provided for a magnetic stripe or IC provided on a customer transaction card (cash card). It has a function to read and write card information such as account subjects, account numbers and branch numbers.

The passbook printing unit 15 has a function of printing unbooked data in a customer's passbook printing field, and the receipt printing unit 14 has a function of printing and releasing the transaction contents on the receipt at the end of the transaction. .
The storage unit 17 stores control information for controlling the operation of the ATM 1 in addition to storing input information at the time of the transaction, and also includes a transaction selection screen, a guidance screen and an input screen for each processing step in each transaction, Furthermore, a reminder screen at the time of transfer transaction is also stored in the storage unit 17.

  Based on a control program stored in the storage unit 17, the control unit 18 is a customer operation display unit 7, a bill deposit / withdrawal unit 11, a coin deposit / withdrawal unit 12, a card read / write unit 13, a receipt printing unit 14, and a passbook printing. It has a function of controlling the entire operation of the ATM 1 including the section 12 and performing various transactions. In performing the transaction, it communicates with the host 2 to exchange necessary information.

  The host 2 includes a customer database (hereinafter referred to as customer DB) 21, a ledger database (hereinafter referred to as ledger DB) 23, an exchange rate database (hereinafter referred to as exchange rate DB) 24, a storage unit 24, and a control unit 25. In the customer DB 21, the name of each customer, the account number of a saving account such as savings deposit, time deposit, savings deposit, account balance, deposit interest rate, maturity date of time deposit, balance reference amount of savings deposit, and unrecorded data Etc. are stored as customer account information.

The ledger DB 23 stores and holds account numbers, account balances, etc. of customers' foreign currency deposit accounts, and the exchange rate DB 24 stores and stores the exchange rate for each foreign currency determined by the financial institution operating ATM1. Has been.
The storage unit 24 stores a control program for controlling the operation of the host 2. The control unit 25 controls the operation of the entire host 2 based on the control program stored in the storage unit 24, and The DB 21, the ledger DB 22, and the exchange rate DB 23 are managed, and information is read from the customer DB 21, the ledger DB 22, and the exchange rate DB 23, and information is added and updated as necessary.

The operation of the embodiment having the above-described configuration will be described with reference to FIG.
FIG. 2 is a flowchart at the time of payment transaction, and will be described according to the step indicated by S in this figure. The operations of ATM1 and host 2 in the following description are based on control programs stored in the storage units 17 and 24, respectively. The control units 18 and 15 are assumed to be controlled.
In this embodiment, it is assumed that the account number, branch number, etc. of at least one account are recorded as card information on the magnetic stripe or IC of the customer transaction card (cash card).

First, when the customer approaches ATM1, a transaction selection screen is displayed on the operation display unit 12. When the customer selects a payment transaction on the transaction selection screen (S1) and inserts a transaction card into the card reader / writer unit 14, the card is displayed. Information is read by the card reader / writer unit 14 (S2).
Subsequently, the customer sequentially inputs the password and the payment request amount according to the password input screen and the money amount input screen displayed on the operation display unit 12 (S3).

When the input of the payment amount is completed, the control unit 18 transmits the card information read by the card reader / writer unit 14, the personal identification number input by the customer, and the payment request amount to the host 2.
The control unit 25 of the host 2 searches the customer account information registered in the customer DB 21 by using the account number included in the received card information as a search key, reads out the corresponding password, and compares it with the received password. Confirmation is performed (S4).

If the passwords do not match, a notification to that effect is sent to the ATM 1 to input the password again, but if the passwords match and the identity is confirmed, the control unit 25 sends the password from the customer DB 21. The customer account information of all the customers is searched, and a notification based on the searched customer account information is transmitted to the ATM 1 (S5).
In this case, if the customer has only one account, for example, only an ordinary deposit, and the balance is equal to or greater than the payment request amount, a notification that payment is possible is simply sent to ATM1.

If the customer has multiple accounts such as savings deposits, time deposits, savings deposits, etc., the current balance of each account, deposit interest rate, maturity date for time deposits, balance basis amount for savings deposits, etc. Send to ATM1.
When the control unit 18 of the ATM 1 receives (acquires) the notification from the host 2, it determines whether or not there are a plurality of accounts (S6). If there are not a plurality of accounts, that is, the notification that the host 2 can pay the notifications. If so, proceed with normal payment transaction processing.

Since the processing of this normal payment transaction is well known, its description is omitted.
When there are a plurality of accounts, the control unit 18 displays a list of account information held by the customer on the operation display unit 12 as an account selection screen based on the notification content from the host 2 (S7).
FIG. 3 is a diagram showing an example of an account selection screen at this time. For example, when a customer has an account of “ordinary deposit”, “term deposit”, and “savings deposit”, “ In the case of “Normal savings”, the deposit balance and deposit interest rate; in the case of “Time deposit”, the deposit balance and deposit interest rate and maturity date; Displays whether or not withdrawal (payment) is possible for each subject, and selects an account such as “The withdrawal amount is X, XXX, or XXX yen. Please select the account to be used for withdrawal”. A prompt message, a selection confirmation button 26a, and a cancel button 26b are displayed.

  Since the display is performed in this way, the customer can see from this account selection screen to determine which account the cash is withdrawn from, so that the customer selects the account from which the cash is to be withdrawn (paid). . For example, when withdrawing from a time deposit, the portion of the time deposit is pushed with a finger to be in a selected state (highlighted or highlighted), and then an account is selected by pressing the selection confirmation button 26a (S8).

After the account is selected by the customer, the control unit 18 withdraws the cash for the requested payment amount from the deposit / withdrawal unit 13 and pays it to the customer (S9), and causes the receipt printing unit 16 to print the transaction details on the receipt. At the same time, the transaction card is returned to the customer, and the result of the transaction process is notified to the host 2 together with the information (account item) of the transaction account selected by the customer (S10).
When the control unit 25 of the host 2 receives the transaction processing result and the transaction account information from the ATM 1, it searches the corresponding account of the customer registered in the customer DB and updates the balance (S11).

  According to the embodiment described above, at the time of payment transaction, when the customer has a plurality of accounts, the subject name of each account, the current balance of each account, the deposit interest rate, and the maturity date in the case of time deposit, In the case of savings deposits, the balance reference amount and the like are read and displayed as a list on the operation display section of ATM 1 as an account selection screen, so the customer can immediately determine and select an advantageous account without performing complicated operations. In addition, since it takes less time to select an account, it is possible to reduce the device occupation time.

  The present invention is not limited to the above-described embodiment. For example, when a customer has a plurality of deposit accounts such as a normal deposit, a fixed deposit, and a savings deposit, the customer's transaction card (cash If the account number, branch number, etc. of each account is recorded as card information on the magnetic stripe or IC of the card), and this account information is sent to the host 2, the host 2 computer 2 determines the account number of each account. Based on the customer DB 21, it is possible to read the current balance of each account, deposit interest rate, maturity date in the case of fixed deposits, balance reference amount in the case of savings deposits, etc. and transmit them to ATM1.

  Further, if the customer has a foreign currency deposit account, the foreign currency deposit account information is stored in the ledger DB 21 and the foreign currency exchange rate is stored in the exchange rate DB 23. Therefore, the foreign currency deposit account is checked at the time of withdrawal transaction. It is also possible to allow the customer to select a foreign currency deposit account by sending it to the ATM 1 together with the exchange rate.

The figure which shows the system configuration | structure of an Example. Flow chart showing the operation of the embodiment Figure showing an example of the account selection screen

Explanation of symbols

1 ATM
2 Host 12 Operation display unit 13 Deposit / withdrawal unit 14 Card reader / writer unit 15 Passbook printing unit 16 Receipt printing unit 17 Storage unit 18 Control unit 21 Customer DB
22 Ledger DB
23 Exchange rate DB
24 Storage Unit 25 Control Unit 26a Selection Confirmation Button 26b Cancel Button

Claims (6)

In an automatic transaction apparatus that performs transactions by customer operations,
When the customer selects a payment transaction, the account information including the account balance of the deposit account held by the customer is acquired from the host device, and if the acquired account information is for a plurality of deposit accounts, each account item And an account information list, and an account for payment transaction is selected. An automatic transaction device for performing transactions by customer operations;
A host device that stores account information of each customer in a database, when the customer selects a payment transaction, the automatic transaction device sends the card information read from the customer's transaction card to the host device;
The host device searches the database for account information including account balances of all deposit accounts held by the customer based on the card information received from the automatic transaction device, and transmits the account information to the automatic transaction device.
When the account information received from the host device is a plurality of account information, the automatic transaction apparatus displays a list of each account item and account information and selects an account for payment transaction. In the automatic transaction system according to claim 2,
When the account information searched by the host device is account information of a time deposit, the account information includes a maturity date of the time deposit. In the automatic transaction system according to claim 2,
When the account information searched by the host device is savings account information, the account information includes a savings deposit balance reference amount. In the automatic transaction system according to claim 2,
When the account information searched by the host device is foreign currency deposit account information, the account information includes a current exchange rate. In the automatic transaction system according to claim 2,
An automatic transaction system comprising: deposit interest rate information included in account information retrieved by the host device, and a list of deposit interest rates.