JPH02158869A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To execute operation within a short time and to shorten a transaction time by always collectively displaying all operation items necessary for transaction during the period of transaction so that items ended at their operation are visually distinguished from items being operated at present. CONSTITUTION:When a customer selects an item to be transacted by an input means 4, all operation item information corresponding to the selected transaction item is read out from a storage means 2 by an instruction outputted from a control means 8 and displayed on a display means 1 together with a guidance message corresponding to the original operation item. Then information for visually distinguishing items ended at their operation from items to be operated in the succeeding operation is read out from the storage means 2 by an instruction from the control means 8 and displayed on the display means 1 together with a guidance message corresponding to the succeeding operation item. Consequently, adaptability corresponding to operation in each operation step can be improved, operation can be attained within a short time and the transaction time can be shortened.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to an automatic transaction device used in banks and various financial institutions, and in particular to an automatic transaction device that guides customer operations using display means such as a CRT to conduct transactions. This relates to an automated transaction device that operates.

[Conventional technology]

2. Description of the Related Art Automated transaction machines (ATMs) are known as automated devices for financial institutions such as banks, in which a customer inserts a card or passbook and then performs a transaction by the customer's own operation.

This type of automatic transaction device is equipped with display means for displaying text that guides a customer to input information necessary for a transaction, information input by the operation, and the like.

Conventional automatic transaction devices often use CRT as a display means, which can easily convert the display screen, and the entire display content changes for each operation item, but the current operation items and their corresponding Because only text to guide the operation is displayed, inexperienced customers have no idea when the operation will end, and end up operating with a sense of anxiety.

Therefore, in order to eliminate such anxiety among customers, a ``start'' is displayed at the top or bottom of the screen of the display means.
The character "End" is displayed, and the arrow can be moved from the "Start" side to the "End" side between the characters "Start" and "End" each time an operation item is completed, thereby showing how far the transaction has progressed. Devices that roughly display the size of dolphins have been proposed and are already in operation in some areas.

[Problem to be solved by the invention]

However, with the above-mentioned conventional devices, customers are often confused about the operations because they do not know the number of operation items from the start to the end of the transaction, and after the contents of the operation guidance display change, they are confused about what they should do. There is a problem in that the operation requires time, and as a result, the transaction time becomes longer.

In addition, especially for transactions that require many operations by the customer, such as transfer transactions, even if the progress of the transaction is displayed using arrows, the progress of the arrows is so small that it is difficult to understand, and inexperienced customers may still feel uneasy about the operation. There was also the problem of having a

On the other hand, for a device dedicated to a single transaction (for example, only payment and 9 passbook entry), instead of using the display means such as the CRT described above, all operation items and all the corresponding guidance words are displayed on the panel. There are also devices that indicate which operation to perform by lighting a lamp.
According to this, the guidance text is displayed at the same time, making it difficult to see, and since a large display panel is required to display the guidance text for all operation items, there is a problem that the display space occupied in the customer service department becomes too large.

The present invention was made to solve such problems, and allows the customer to perform operations in a short time.
We aim to create an automatic transaction device that allows inexperienced customers to perform transactions without causing them to feel uneasy, and that also takes up a large display space in the customer service department. This is the purpose.

[Means to solve the problem]

In order to achieve the above-mentioned object, the present invention includes an input means consisting of a group of keys for inputting information necessary for various financial transactions, and displays text that guides input of information necessary for transactions, input information, etc. In an automatic transaction device that has a display means and allows transactions to be performed by the customer's own operations, operation item information corresponding to each transaction item, and at least items for which operations have been completed and items to be operated in the future are displayed. The apparatus includes a storage means for storing visually distinguishable information, and a control means for controlling the content displayed on the display means.

[Effect]

In the present invention having the above-described configuration, when a customer selects an item to be traded using the input means, all operation item information corresponding to the selected transaction item is read out from the storage means according to an instruction from the control means, and the first It is displayed on the display means together with the guidance text corresponding to the operation item.

Then, as the transaction progresses, information visually distinguishing between the item for which the operation has been completed and the item to be operated in the future is read out from the storage means according to an instruction from the control means, and the information is displayed along with the guidance wording corresponding to the next operation item. will be displayed.

Therefore, according to this, all the operation items necessary for a transaction are displayed all at once in the trading center, and the items for which the operation has been completed and the items to be operated from now on are visually distinguished. , the customer can perform the current operation while anticipating the future operation items, which increases the flexibility of the operation at each operation stage, makes it possible to perform the operation in a short time, and reduces the transaction time. It can be significantly shortened.

In addition, even in transactions with many operation items, such as transfer transactions, customers can clearly and easily understand the transaction progress status from the display contents on the display means, so even customers who are unfamiliar with operations can operate them without feeling anxious. can do.

Furthermore, the guidance text corresponding to each operation item displays only the one that corresponds to the next operation item, so the display is not unnecessarily complicated, making the display easier to read, and reducing the display space taken up in the customer service department. It will no longer get bigger.

〔Example〕

Examples will be described below with reference to the drawings.

The present invention will be explained below based on the drawings.

FIG. 1 is a block diagram of the internal configuration of an embodiment of an automatic transaction device according to the present invention.

In the figure, 1 displays all the operation items in the transaction selected by the customer, text that guides the operation for each operation item (operation guidance display), and information input by the customer using the touch keyboard described later. A CRT is used as a display means for displaying.

Reference numeral 2 denotes an image information memory as a storage means that stores image information to be displayed on the CRT 1, and this image information memory 2 includes an operation procedure information storage section 2a and a guidance display information storage section 2b.
It has

Here, the operation procedure information storage unit 2a stores all the operation item information corresponding to the transaction item, as well as visually displaying the item for which the operation has been completed, the item to be operated next, and the item to be operated after that. Discrimination information is stored, and in this embodiment, this discrimination information is a color and an instruction mark.For example, an item whose operation has been completed is colored green, an item to be operated next is yellow, an item to be operated after is colored blue, and so on. Furthermore, the next item to be operated is indicated by an instruction mark.

Further, the guidance display information storage section 2b stores operation guidance words and illustrations corresponding to the operation items, key display information corresponding to the touch keyboard, and the like.

Reference numeral 3 denotes an image information synthesizing means for synthesizing information from the operating procedure information storage section 2a and the guidance display information storage section 2b and displaying it on the CRT 1.

4 is a touch keyboard as an input means for allowing customers to input information necessary for transactions, and is composed of transparent electrodes, etc.
It is used as a numeric keypad, function keys, etc.

5 is a card reader printer that reads the data held on the magnetic stripe provided on the customer's transaction card and prints out a transaction statement; 6 is a bankbook entry machine that prints the transaction details on the customer's bankbook; 7 is when making a deposit transaction; This is a cash processing machine that stores banknotes and coins and processes banknotes and coins for payment during withdrawal transactions.

Reference numeral 8 denotes a main control unit as a control means for controlling the entire apparatus including the components 1 to 7, and a table for controlling operating procedures for each transaction is set within this main control unit 8.

FIG. 2 is a perspective view showing the appearance of the automatic transaction device of FIG. 1.

In the figure, reference numeral 9 denotes a housing of the automated teller machine, and the upper part of the housing 9 is formed into a roughly oval shape as a customer service section 10. In this customer service section 10, there is a card insertion slot 11, a passbook insertion slot 12, and a banknote insertion slot 12 for customers to receive banknotes. There are provided a banknote inlet/outlet 13 for inserting and receiving coins, and a coin inlet/outlet 14 for customers to insert and receive coins.

In addition, a touch keyboard 4 made of transparent electrodes is placed at a predetermined position in the customer service department 10 so as to overlap the screen of the CRT 1.
Through this touch keyboard 4, customers can input transaction items and operation items such as deposit transactions, payment transactions, transfer transactions, and balance inquiries displayed on the CRTI, as well as various input keys.
In addition to being able to see the display and operation guidance text, it is also possible to input information corresponding to the display by touching the input key display with a finger from the touch keyboard 4. .

The automatic transaction apparatus of this embodiment is constructed as described above, and its operation will now be explained with reference to FIGS. 3 and 4 as well as FIGS. 1 and 2.

Here, a case will be described in which a transaction card is used to perform a payment transaction using banknotes.

FIG. 3 is a flowchart showing the payment transaction of the automated teller machine having the above-mentioned configuration, in which step numbers 51 to S14 are given to each processing step, and the following explanation will be made according to the step numbers.

FIG. 4 is a diagram showing an example of a CRTI screen display in the payment transaction.

First, the customer needs to select a transaction item, such as whether to perform a payment transaction, a deposit transaction, or a transfer transaction, to the automatic transaction device.

Therefore, when the device is in an idling state, transaction items, guidance text prompting selection thereof, and illustration information are read out from the guidance display information storage section 2b of the image information memory 2 according to instructions from the main control section 8, and the image information synthesis means 3 via CRT
sent to l. As a result, the CRTI displays each transaction item according to the key layout of the touch keyboard 4, and
Display text and illustrations to encourage transaction selection.

(Sl) Figure 4 (A) shows the CRTI display screen at this time, and the customer can perform a payment transaction by touching the position of the touch keyboard 4 labeled "Withdrawal" with his or her fingertip. select. (32) When this selection information is sent from the touch keyboard 4 to the main control unit 8, all the operation items corresponding to the payment transaction are subsequently selected from the operation procedure information storage unit 2a of the image information memory 2 according to instructions from the main control unit 8. information, and information that distinguishes between the item for which the operation has been completed and the item to be operated next, or the item currently being operated and the item to be operated thereafter are read out, and information is read out from the guidance display information storage section 2b for the first time. The operation guidance text and illustration information corresponding to the operation item insertion of a transaction card are read out and sent to the image information synthesis means 3, respectively. Then, by this image information synthesizing means 3, both the storage sections 2a and 2b are
The information from is combined and sent to the CRTl for display. (33) Figure 4 (B) shows the CRTI display screen at this time, and as seen in this figure, all the operation items for the payment transaction are displayed at the top of the CRTI screen (hereinafter, this display The area is marked as the operation procedure area), and detailed guidance regarding card insertion is displayed with guidance text and illustrations (
(Hereinafter, this display area will be referred to as the guidance display area) to prompt the customer to insert the transaction card. At the same time, the item ``Card Insertion'' is shown in yellow, for example, and other items are shown in blue, and furthermore, the item ``Card Insertion'' is indicated by an instruction mark M.

This allows the customer to understand how many operation items there are in the payment transaction they have selected and what operation to perform now, as well as to anticipate the next item and overall operation procedure. can.

The customer then inserts the transaction card into the card slot 11 shown in FIG. 2 according to the CRTI display.

The inserted transaction card is taken into the card reader printer 5 shown in FIG. Then, the card reader/printer 5 reads the information on the magnetic stripe of the transaction card, and based on this, the main control section 8 checks whether or not it is a correct transaction card. (S4) When the transaction card is confirmed to be correct through this check, the main control unit 8 instructs the operation procedure information storage unit 2a of the image information memory 2 to store the item for which the operation has been completed and the next item. Information distinguishing between the item to be operated and the item to be operated thereafter is read out, and the guidance display information storage unit 2b
Operation guidance text corresponding to the next operation item, PIN code pressing.

Various key information such as a numeric keypad and an amount key are read out and sent to the image information synthesizing means 3. The image information synthesizing means 3 synthesizes the information from both storage sections 28.2b and sends it to the CRTI for display. (S5) Figure 4 (C) shows the CRTI display screen at this time, where the "Insert card" item in the operation procedure area is highlighted in green, and the "Press PIN" item is highlighted in yellow. In addition, the instruction mark M has been moved to a position pointing to the item ``Press PIN number''. In the guidance display area, a guidance message for inputting a PIN number and various key information are displayed, thereby prompting the customer to input a PIN number exclusive to the customer.

At this time, in the operation procedure area, items other than "insert card" and "press PIN" are displayed in blue as before, indicating that these operations are required in the future, and items in green indicate that operations cannot be performed. A yellow item indicates that the transaction has been completed, and a yellow item indicates that the operation is being guided, allowing the customer to clearly and easily understand the progress of the transaction.

Next, the customer touches the numeric keypad position of the touch keyboard 4 with his or her fingertips to input his or her personal identification number.

(S6) When the customer finishes inputting the PIN number, the input information is displayed at a predetermined position in the guidance display area, and the customer touches the confirmation key on the touch keyboard 4 with his or her fingertip to input confirmation. Then, the main control unit 8 compares the input password with the password read from the magnetic stripe of the transaction card to check whether they match.

If this check confirms that they match,
In response to instructions from the main control section 8, information is read out from the operation procedure information storage section 2a of the image information memory 2 to distinguish between the item for which the operation has been completed, the item to be operated next, and the item to be operated thereafter from among the operation items. In addition, information such as operation guidance wording corresponding to the next operation item, ie, pressing the amount, is read out from the guidance display information storage section 2b and sent to the image information synthesis means 3.

Then, by this image information synthesizing means 3, the re-storing section 2a
, 2b is combined and sent to the CRTI for display. (S7) Although the display screen of the CRTl at this time is not shown, here, in the operation procedure area, the item "Press PIN number" is changed to green, the next item "Press amount amount" is changed to yellow, Furthermore, the instruction mark M is moved to a position pointing to the item "press amount". In the guidance display area, guidance words for the amount manually and various key information are displayed, thereby prompting the customer to input the desired denomination and amount.

At this time, in the operation procedure area, "Bill Receipt" and "
The "Receive Card" item will be displayed in blue as before to indicate that these operations are required in the future as before,
A green item indicates that the operation has been completed, and a yellow item indicates that the operation is currently being guided, allowing the customer to clearly and easily understand the progress of the transaction.

Next, the customer looks at the displayed contents of the CRTI and touches the numeric keypad, 10,000, and 1,000 amount key confirmation keys of the touch keyboard 4 with his or her fingertips, and inputs the desired denomination and amount. (S8) When this input is completed, the main control unit 8 instructs the operation procedure information storage unit 2a of the image information memory 2 to store the item for which the operation has been completed, the item H to be operated next, and the item to be operated next. Information that distinguishes the items from each other is read out, and information such as wording corresponding to the cash processing performed in the cash processing machine 7 is read out from the guidance display information storage section 2b and sent to the image information synthesis means 3. And this image information synthesis means 3
The information from the re-storage units 2a and 2b is combined by
Sent to CRTI and displayed. (S9) C at this time
Although the RTI display screen is also not shown, here, the amount press item in the operation procedure area is changed to green, and the banknote receipt and card receipt items are kept in the same blue color as before. Then, the instruction mark M is erased or remains stopped at the position pointing to the item ``Press Amount'', and a message is displayed in the guidance display area instructing the user to wait because cash is being processed.

Meanwhile, at the same time, the card league printer 5 creates a transaction statement slip according to instructions from the main control unit 8, and the cash processing machine 7 dispenses, distinguishes, and counts the amount and denomination of banknotes input by the customer. The necessary processing for bill payment is performed.

Thereafter, when these banknotes and transaction statement slips are conveyed all at once to the banknote entrance/exit 12 shown in FIG. Information distinguishing between the item for which the operation has been completed, the item to be operated next, and the item to be operated thereafter is read out, and operation guidance text corresponding to the next operation item, bill receipt, is read out from the guidance display information storage section 2b. and illustrations are read out and sent to the image information synthesis means 3, respectively. The image information synthesizing means 3 synthesizes the information from the re-storing sections 2a and 2b, and sends it to the CRTI for display. (SIO) The CRTI display screen at this time is also not shown, but here it is shown in the operating procedure area.
The item ``Receiving banknotes'' has been changed to yellow, and the instruction mark M has been moved to the position pointing to the item ``Receiving banknotes.'' In the guidance display area, the amount to be paid and instructions for receiving banknotes and illustrations are displayed, thereby encouraging the customer to receive banknotes and transaction slips.

At this time, in the operation procedure area, only the "Card Reception" item is displayed in blue as before, indicating that the operation is required in the future, and green items indicate that the operation has been completed. Each yellow item indicates that the transaction is being guided, allowing the customer to clearly and easily understand the progress of the transaction.

At the same time, the shutter of the bill slot 6 is opened, and when the customer receives the bill and transaction slip from the bill slot 6, the shutter of the bill slot 6 is closed. (311) Next, the transaction card held in the card reader/printer 4 is transferred to the second
The card is returned to the card insertion slot 11 shown in the figure.

At the same time, the image information memory 2
Information on the item for which the operation has been completed and the item to be operated next among the operation items is read out from the operation procedure information storage section 2a, and information on the next operation item, ie, card reception, is read out from the guidance display information storage section 2b. Information such as operation guide sentences and illustrations corresponding to the above are read out and sent to the image information synthesis means 3, respectively.

Then, by this image information synthesizing means 3, both the storage units 2
Information from a and 2b is combined and sent to the CRTI for display. (312) The CRTI display screen at this time is also not shown, but here the "Card Reception" item in the operation procedure area is changed to yellow, and the instruction mark M is moved to the position pointing to the "Card Reception" item. It's moving. The guidance display area displays guidance text and illustrations corresponding to card receipt, thereby encouraging the customer to receive the transaction card.

Also, at this time, in the operation procedure area, only the item "Card Reception" is displayed in yellow, and the other items are displayed in green to indicate that the operation has been completed.

Here, when the customer receives and takes out the card from the card insertion slot 11, information indicating that all operations have been completed is read from the operation procedure information storage section 2a of the image information memory 2 according to instructions from the main control section 8. , CR via the image information synthesis means 3
Sent to TI. As a result, the CRTI displays the "Card Reception" item in the operation procedure area in green. (S13)
At this time, all items in the operation procedure area of the CRT 4 turn green, indicating to the customer that all operations have been completed.

Finally, to let the customer know that the transaction has ended,
In response to instructions from the main control unit 8, text and illustration information corresponding to the end of the operation are read out from the guidance display information storage unit 2b of the image information memory 2, and are sent to the
Sent to RTL.

As a result, the CRTI displays the transaction completion indication as shown in FIG. 4(D), and the series of transaction processing is completed.

In the above-mentioned embodiment, in the display of operation items, the item for which the operation has been completed is shown in green color, the item to be operated next is shown in yellow, and the item to be operated after that is shown in blue color, but this is not restrictive. Colors may also be used.

Furthermore, in the present invention, it is only necessary to visually distinguish and display the items for which the operation has been completed and the items to be operated in the future, as well as to display guidance text for the next item to be operated, and therefore, instruction marks are not necessarily necessary. In addition, the items may be color-coded by simply using two colors to distinguish between items for which operations have been completed and items to be operated in the future.

Additionally, methods for visually distinguishing and displaying items for which operations have been completed and items to be operated in the future are not limited to the above-mentioned method of distinguishing between colors; for example, by erasing items for which operations have been completed from the CRTI screen. Possible methods include displaying only the items that will be operated in the future.

Furthermore, in the above-mentioned embodiment, the touch keyboard 4 made of transparent electrodes is used as an input means, and the touch keyboard 4 is arranged on the CRTI. Of course, a structure in which the input means is placed at a predetermined position in the customer service department 10 may be used.

〔Effect of the invention 〕

According to the present invention described in detail above, all operation items necessary for trading are displayed at once in the trading room, and items for which operations have been completed are visually distinguished from items to be operated in the future. This allows the customer to perform the current operation while anticipating future operation items. This increases the flexibility of the operation at each operation stage and allows the customer to complete the operation in a short time. This makes it possible to significantly shorten transaction time, and even in transactions with many operation items such as transfer transactions, customers can clearly and easily understand the transaction progress, even if they are unfamiliar with operations. The effect is that the device can be operated without feeling anxious.

In addition, the guidance text corresponding to each operation item displays only the one that corresponds to the next operation item, so the display does not become unnecessarily complicated. Another advantage is that the display space does not become large.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of the internal structure of an automatic transaction device according to an embodiment of the present invention, FIG. 2 is a perspective view showing the external appearance of the automatic transaction device of FIG. 1, and FIG. 3 is an embodiment of the automatic transaction device of FIG. FIG. 4 is a flowchart of a payment transaction showing the effect of the above, and FIG. 4 is a diagram showing an example of a CRT screen display in a payment transaction. CRT (display means) Image information memory (storage means) Operation procedure information storage section Guidance display information storage section Image information synthesis means Touch keyboard (input means) Card reader printer Passbook recording machine Cash processing machine main control section (control means)

Claims (1)

[Claims] (1) It has an input means consisting of a group of keys for inputting information necessary for various financial transactions, and a display means for displaying text that guides input of information necessary for transactions, input information, etc. In an automatic transaction device that performs transactions by its own operations, it stores operation item information corresponding to each transaction item, and information that visually distinguishes at least the items for which operation has been completed and the items to be operated in the future. displaying on the display means all operation items corresponding to the transaction item selected by the input means, and visually indicating items for which operations have been completed and items to be operated in the future as the transaction progresses. An automatic transaction device characterized by comprising: a control means for controlling the display so as to distinguish between the two.