JPH10162243A - Cash automatic transaction system - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To realize an automatic cash transaction system in which a plurality of customers can safely and reliably transmit transaction information from a portable terminal to an automatic cash transaction apparatus. In addition, mobile phones and PHS can be used as mobile terminals for inputting transaction information,
Realize the pre-input of transaction information to the automatic teller machine while minimizing new investment. Kind Code: A1 A portable terminal possessed by a customer having a display means, an input means, and a wireless transmission / reception means, a cash automatic transaction device connected to a communication line and operated by the customer to make a transaction, and a cash terminal connected to the communication line. A second wireless transmission / reception means, an information management means connected to a communication line, and a transaction information storage means for storing transaction information transmitted from the mobile terminal and received by the second wireless transmission / reception means; And information selection means, and transmits the transaction information transmitted by the portable terminal and stored in the transaction information storage means to the automatic cash transaction apparatus operated by the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an automatic cash transaction system.

[0002]

2. Description of the Related Art As described in JP-A-7-28914,
A key input operation is performed in advance using a plurality of wireless terminals, and when the automatic teller machine is operated, the input contents are received, and the automatic teller machine conducts a transaction based on the received information.

[0003]

In the above-mentioned conventional example, a transceiver is required for each automatic cash transaction apparatus installed, and the apparatus becomes complicated and expensive.

[0004] In addition, it is necessary to prepare a dedicated terminal, and either the customer or a financial institution having an automatic teller machine must pay for the terminal.

An object of the present invention is to simply and inexpensively realize an automatic cash transaction system in which a plurality of customers can safely and reliably transmit transaction information from a portable terminal to an automatic cash transaction apparatus.

[0006] Furthermore, mobile phones, P
An object of the present invention is to make it possible to use the HS as a portable terminal for inputting transaction information, and to realize a pre-input of transaction information to an automatic teller machine while minimizing new investment.

[0007]

A portable terminal possessed by a customer having display means, input means and wireless transmission / reception means, an automatic cash transaction apparatus connected to a communication line and operated by the customer to make a transaction, A second wireless transmission / reception unit connected to the communication line, an information management unit connected to the communication line, and a transaction transmitted from the mobile terminal and received by the second wireless transmission / reception unit It has a transaction information storage means for storing information and an information selection means, and transmits the transaction information transmitted by the portable terminal and stored in the transaction information storage means to the automatic teller machine operated by the customer.

[0008]

FIG. 1 is a block diagram of an automatic cash transaction system according to one embodiment of the present invention.

The automatic cash transaction apparatus 1 is installed in a financial institution or the like, and is an apparatus for performing cash deposit / withdrawal, account transfer, transfer, and the like by operation of a customer.

The automatic cash dispenser 1 is installed in one corner of a business store or in an unmanned store from one to several units, and in some cases, several tens of units, and constitutes an automatic cash transaction booth.

The communication line 16 includes an automatic teller machine 1,
It is composed of a LAN (local area network) or the like, and has a guiding means 10, a terminating resistor 12, an information management device 15,
The router 18 and the wireless transmission / reception device 24 are connected.

An information management device 15 such as a server controls data exchanged on a communication line 16.

The guiding means 10 comprises a display and an electronic bulletin board, and guides a customer in the booth to an appropriate automatic teller machine 1.

The router 18 is connected to an external communication line 20 and to a host computer 30 installed at another place.

The radio transmitting / receiving device 24 includes a transmitting / receiving antenna 22
Is connected to communicate with the portable terminal 32.

The portable terminal 32 has a transmitting / receiving antenna 26, a radio transmitting / receiving means 51, a display means 28 composed of a liquid crystal display device, an input means 34, a sound output means 35, and a sound input means 36.

The portable terminal 32 is, for example, a portable telephone, a PHS
(Personal handy phone), and communicates wirelessly with the wireless transmitting / receiving device 24.

FIG. 2 is an explanatory view of the automatic cash transaction apparatus of the system of this embodiment.

The automatic teller machine 1 has a passbook mechanism 4 for handling a passbook 2 having a passbook information storage means 3 composed of a magnetic tape, and a card information storage means 7 composed of a magnetic tape or the like.
And a cash handling mechanism 9 for depositing and withdrawing cash, and a display input means 8 comprising a display and a touch panel.

The passbook information storage means 3 and the card information storage means 7 store customer information such as account numbers.

FIG. 3 is a block diagram of the embodiment shown in FIG.

A description will be given in a form supplementing FIG.

A dotted line indicates wireless communication of information.

The portable terminal 32 has a transmission / reception means 51, a storage means 54 for storing a telephone number of a communication partner and the like, and a transaction information storage means 56 therein.

The transaction information input from the input means 34 is
Stored in the transaction information storage means 56, the customer
When transmission is selected, the signal is modulated and amplified by the transmission / reception means 51 and transmitted from the transmission / reception antenna 32.

The control means 50 comprises a storage device, a control program stored in the storage device, an arithmetic processing unit for executing the control program, and the like, and controls each means and processes input / output information.

Transaction information transmitted from the portable terminal 32 in the booth is transmitted from the transmission / reception antenna 22 to the radio transmission / reception device 24.
Is received.

The radio transmitting / receiving device 24 includes transmitting / receiving means 59,
It has a storage means 55 for temporarily storing information to be transmitted and received, and an electric field strength determination means 62. The received radio waves are excluded by the electric field strength determining means 62 from radio waves having an arbitrary strength or less. The radio wave passing through the electric field strength judging means 62
Is demodulated. The extracted transaction information is stored in the transaction information storage unit 57. At that time, the reception confirmation information is transmitted to the portable terminal 32.

The reception confirmation information transmitted from the wireless transmission / reception device 24 includes information for specifying the portable terminal 32 included in the received transaction information. When the portable terminal 32 receives the reception confirmation information, the information selection means 27 selects only the reception confirmation information for the person. Then, information of customers other than the owner of the portable terminal 32 is not accepted, and the reception confirmation information is not confused.

Alternatively, the transmission / reception frequency is set separately for each portable terminal 32 so that the wireless transmitting / receiving device 24 can specify the portable terminal 32.

In the booth, by receiving only radio waves of an arbitrary strength or more, only the signal of the customer in the booth is received, and reliable transmission and reception are enabled. In addition, the booth is electromagnetically shielded to prevent external interference.

When the portable terminal 32 is a portable telephone or a PHS, a specific telephone number is set in the wireless transmitting / receiving device 24, the portable terminal 32 transmits transaction information to the telephone number via a telephone line, and also receives reception confirmation information. It is also possible to transmit to the portable terminal 32 through a telephone line. In this case, install a relay antenna for mobile phones and PHS in the booth,
The communication with the mobile phone and the PHS is performed, and the telephone line is connected to the communication line 16.

In this case, the transmission / reception device 24 becomes unnecessary, and the cost of the device can be greatly reduced.

The control means 58 is composed of a storage device, a control program stored in the storage device, an arithmetic processing unit for executing the control program, and the like, and controls each means and processes input / output information.

The information management device 15 is a wireless transmission / reception device 2
4. It controls information that flows between devices connected to the communication line 16 such as the automatic teller machine 1. The storage means 63 has a transaction information storage means 66, and the transaction information storage means 66
The transaction information received by the wireless transmission / reception device 24 is stored. The transaction information selecting means 65 selects and transmits the transaction information in the transaction information storage means 66 corresponding to the customer who operates the automatic teller machine 1.

The transaction information transmitted from the plurality of portable terminals 32 can be collectively managed, and a plurality of automatic teller machines 1 can be handled by a small number of wireless transmission / reception devices 24.
Further, customer guidance according to the transaction content becomes possible.

Further, even when the transaction information is transmitted via the telephone line, it is not necessary to individually assign a telephone number to the automatic teller machine 1, and the communication cost can be reduced.

The control means 61 is composed of a storage device, a control program stored in the storage device, an arithmetic processing unit for executing the control program, and the like, and controls each means and processes input / output information. For example, transaction information for which there is no transmission request beyond a certain time is deleted to secure a storage area.

The storage means 74 of the automatic teller machine 1 stores image information and the like displayed on the display input means 8. Transaction information storage means 76 may be formed in storage means 74 to store the transaction information received by wireless transmission / reception device 24.

The control means 70 comprises a storage device, a control program stored therein, an arithmetic processing unit for executing the control program, and the like, and controls each mechanism and means and processes input / output information.

According to the transaction status transmitted by the customer, the guide means 10 guides the customer to a dedicated transfer machine so as to minimize the waiting time of the customer in the booth, for example, in the case of a transfer operation. .

FIG. 4 is an input flowchart to the portable terminal of this embodiment.

The input means 34 selects prior input of transaction contents and instructs the start of input (s2).

The transaction items are displayed on the display means 28, and a transaction item is selected from among them (s4).

The transaction items are cash withdrawal, cash deposit, cash transfer, account transfer and the like. Items are selected by numbering each item and selecting the number.

Next, necessary input items are displayed to prompt the customer to input, for example, in the case of cash withdrawal, a display is made to input a debit amount (s6). Then, transaction contents are input according to the transaction item (s8).

When the input of all the displayed items is completed, the input contents are displayed, and the customer is asked whether the transaction information is correct (s10).

When the customer presses the confirmation key on the input means 34 and the confirmation operation is completed, the transaction content is stored in the transaction content storage means 56 (s12), and the input operation is completed.
(s14).

The transaction information includes transaction items, transaction contents such as the amount of money corresponding thereto, customer account numbers, and the like.

This operation can be performed at an arbitrary place, and need not be performed at a booth where the automatic teller machine 1 is installed.

FIG. 5 shows the portable terminal 3 in the booth of this embodiment.
9 is a flowchart showing a transmission operation from the second embodiment.

The customer instructs the start of transmission from the input means 34 of the portable terminal 32 (s16).

When the transaction information stored in the transaction information storage means 56 is transmitted and the transaction information is received by the radio transmission / reception device 24, the radio transmission / reception device 24 transmits reception confirmation information to the portable terminal 32.

The portable terminal 32 waits for a reception acknowledgment signal from the wireless transmission / reception device 24 (s20), and displays reception acknowledgment if reception is confirmed (s24).

If the reception confirmation signal from the wireless transmission / reception device 24 has not arrived within a given period of time, a comment indicating that reception has not been completed is displayed (s22), and the customer's judgment is sought.

FIG. 6 is an operation flowchart of the transmission / reception apparatus of this embodiment.

The wireless transmitting / receiving device 24 receives the transaction information (s30), and determines whether or not the signal received by the electric field strength determining means 62 is equal to or more than a predetermined value (s32).

If the value is equal to or less than the predetermined value, the process returns to the receiving state. If the value exceeds the predetermined value, the transaction information is stored in the transaction information storage means 66. Then, the reception confirmation information is transmitted to the portable terminal 32 (s35).

Transmission from outside the booth of the customer is prevented, transmission and reception are ensured, and troubles such as interference are prevented.

FIG. 7 is an operation flowchart of the automatic teller machine 1 of this embodiment.

When the customer approaches the apparatus, an interpersonal detection means (not shown) detects the customer and the apparatus is activated (s40).

The customer inserts one or both of the passbook 2 and the ID card into the automatic teller machine 1 (S4).
2) (s44) The passbook mechanism 4 and the card mechanism 5 read customer information such as an account number there.

The customer inputs a password through the display input means 6 (s46).

The customer information and the personal identification number are transmitted to the host computer 30 through the communication line 16, the router 18, and the external communication line 20 (s48).
Determines the validity of the password (s50).

If the passwords do not match, the display input means 8 requests re-input. If there is a discrepancy equal to or more than the predetermined number of times, the transaction is stopped.

If the password matches the account number stored in the passbook 2 or the ID card 6, an instruction to continue the transaction is returned from the host computer 30 (s).
52).

The automatic cash transaction apparatus 1 includes an information management apparatus 15
Request transaction information from. The transaction information selection means 65 of the information management device 15 searches for transaction information based on personal information such as the account number of the transaction information (s54).

If there is transaction information, the information management means 15 transmits the transaction information, and the automatic teller machine 1 receives it (s58).

The display input means 6 displays the transaction information (s6
0), the customer confirms the transaction contents (s61), and performs transaction processing such as inputting a shortage of the input transaction information (s6).
2).

The contents of the transaction are transmitted to the host computer (s64), and if there is no problem in the contents of the transaction, the host computer returns the completion of the transaction (s66).

It is confirmed whether there is another transaction information transmitted by the customer through the portable terminal 32 (s68), and if there is transaction information, the fact is displayed on the display input means 8 (s70). It is determined whether to perform (s72). A selection screen is displayed on the display input means 8 so that it is possible to select whether or not to make an additional transaction. When the additional transaction is instructed, the automatic teller machine 1 performs the transaction process again.

When the additional processing is not performed, the transaction contents are recorded in the passbook 2 and the statement slip (s74), the passbook 2 and the ID card 6 are discharged (s76), and the customer receives it, and if the cash is withdrawn, The transaction is completed by receiving the cash (s7
8).

According to this embodiment, it is possible to simply and inexpensively realize an automatic cash transaction system in which a plurality of customers can safely and reliably transmit transaction information from a portable terminal to a cash automatic transaction apparatus.

In addition, mobile phones, PH
S can be used as a portable terminal for inputting transaction information, and it is possible to realize prior input of transaction information to an automatic teller machine without requiring new investment.

[0075]

According to the present invention, it is possible to simply and inexpensively realize an automatic cash transaction system in which a plurality of customers can safely and reliably transmit transaction information from a portable terminal to an automatic cash transaction apparatus.

Further, mobile phones, P
It is possible to use the HS as a portable terminal for inputting transaction information, and it is possible to realize pre-input of transaction information to the automatic teller machine without requiring new investment.

[Brief description of the drawings]

FIG. 1 is a block diagram of an automatic cash transaction system according to an embodiment of the present invention.

FIG. 2 is an explanatory diagram of an automatic cash transaction apparatus according to one embodiment of the present invention.

FIG. 3 is a block diagram of the automatic cash transaction system shown in FIG. 1;

FIG. 4 is a flowchart of input of the mobile terminal according to the embodiment.

FIG. 5 is a flowchart of transmission of the mobile terminal according to the embodiment.

FIG. 6 is a flowchart of the operation of the wireless transceiver according to the embodiment.

FIG. 7 is a flowchart of the operation of the automatic teller machine of the present embodiment.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Automatic teller machine, 15 ... Information management device, 16 ... Communication line, 22 ... Storage device, 24 ... Wireless transmission / reception device, 30
... host computer, 32 ... portable terminal.

Claims (1)

[Claims] 1. A portable terminal possessed by a customer having display means, input means and wireless transmission / reception means, an automatic cash transaction apparatus connected to a communication line, and operated by the customer to make a transaction; A second wireless transmitting / receiving unit connected thereto, an information managing unit connected to the communication line, and the information managing unit stores transaction information transmitted from the portable terminal and received by the second wireless transmitting / receiving unit It has transaction information storage means and information selection means, and transmits the transaction information transmitted by the portable terminal and stored in the transaction information storage means to the automatic cash transaction apparatus operated by the customer. Automatic cash transaction system.