JPH08329316A - Automatic transaction device and waiting time display method in the device - Google Patents

Abstract

PURPOSE: To provide an automatic transaction equipment which lightens the burden on a customer who is using the equipment and customers who are waiting behind. CONSTITUTION: When the customer performs operation on a display part 9 having a touch panel inside, a display control means while finding the required time for the transaction according to the operation of the customer inputs a start signal to a timer part and displays information on the remaining time, obtained by subtracting the elapsed time obtained from the timer part from the required time on a wait time display unit 27 as wait time information. Thus, the wait time information is displayed at the upper part of the display part 9 and then not only the operating customer, but also waiting customers behind the operating customer can also look at the wait time information. Further, the wait time information is displayed on a count-down system and the wait time at the current point can be known.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device,
More specifically, for example, an automatic teller machine (ATM) installed in a financial institution such as a bank and performing various transactions with customers using a plurality of types of transaction media such as cards, passbooks and cash. Regarding transaction equipment.

[0002]

2. Description of the Related Art In this type of automatic transaction apparatus, a customer withdraws money using a plurality of types of transaction media such as cards, passbooks and cash.
When you select a transaction item such as deposit or passbook entry and perform a necessary operation such as inputting the transaction amount, the transaction is automatically performed based on the operation, but with the conventional automatic transaction device , The time required for the transaction was not displayed.

[0003]

Therefore, in the conventional automated teller machine, not only the customer who is currently using the service but also the customer who is waiting to use the service at the back is uncertain when the transaction will end, It took a lot of time. In particular, in the case of a transaction to enter a passbook, in order to fill in the passbook, such as past transaction contents by card and transaction contents by automatic payment,
It took a long time and placed a heavy burden on customers.

Therefore, the present invention has been made in view of the above circumstances, and provides an automatic transaction apparatus and a waiting time display method in the apparatus, which reduce the burden on the customer who is in use and the customer who is waiting in the back. The purpose is to do.

[0005]

Means for Solving the Problems The means of the present invention for solving the above problems will be described.

An automatic transaction apparatus according to claim 1 is an automatic transaction apparatus which conducts a transaction based on a customer's operation on an operation unit, and display means arranged above the operation unit,
A time measuring means for measuring the elapsed time from that time point based on the time measuring start instruction and a time required for the transaction based on the customer's operation on the operation unit, and at the same time, the time measuring means is instructed to start the time measuring means. And display control means for sequentially displaying on the display means information of the remaining time obtained by subtracting the elapsed time obtained from the required time from the required time.

An automatic transaction apparatus according to claim 2 is an automatic transaction apparatus which conducts a transaction based on a customer's operation on an operation unit, and display means arranged above the operation unit,
Based on the timekeeping start instruction, the timekeeping means for counting the elapsed time from that time point, the storage means for pre-storing the time required for the transaction corresponding to the transaction content, and the transaction content specified by the customer's operation on the operation unit. At the same time as obtaining the corresponding required time by searching the stored contents of the storage means, the timekeeping means is instructed to start timekeeping, and the information of the remaining time obtained by subtracting the elapsed time obtained from the timekeeping means from the required time is displayed. And a display control means for sequentially displaying on the means.

According to another aspect of the present invention, in an automatic teller machine, an arbitrary number of automatic teller machines are connected to a host computer via a communication line, and a passbook is generated based on a customer's operation on an operating section of the automatic teller machine. In an automatic transaction apparatus that performs transactions including entry, the host computer includes storage means for storing transaction history information regarding entry into a passbook for each customer,
The automatic depositing machine is a display unit arranged above the operation unit, a time measuring unit for measuring an elapsed time from the time point based on a time start instruction, and a transaction for entering a passbook by a customer operation on the operation unit. When is selected, the transaction history information corresponding to the customer is received from the host computer via the communication line, and at the same time, the transaction required time for the entry of the passbook is calculated based on the transaction history information, and at the same time, And a display control means for sequentially displaying information on the remaining time obtained by subtracting an elapsed time obtained from the time measuring means from the required time to the time measuring means, and sequentially displaying the remaining time information on the display means. is there.

A waiting time display method according to a fourth aspect is a waiting time display method in an automatic transaction apparatus which conducts a transaction based on a customer's operation on an operation unit, wherein the transaction is performed on the basis of the customer's operation on the operation unit. And a step of sequentially displaying, as waiting time information, remaining time information obtained by subtracting an elapsed time from the required time above the operation unit.

[0010]

The operation of the present invention having the above construction will be described.

According to the automatic transaction apparatus of the first aspect, when the customer operates the operation unit, the display control means obtains the time required for the transaction based on the operation of the customer and at the same time, the timekeeping means. A time start instruction is issued to the display unit, and information about the remaining time obtained by subtracting the elapsed time obtained from the time measuring unit from the required time is sequentially displayed on the display unit as waiting time information.

Thus, by displaying the waiting time information above the operation unit, it becomes possible not only for the customer in use but also for the customer waiting in the back to see the waiting time information. Further, by displaying the waiting time information in a countdown method, it is possible to know the waiting time at the present time.

According to the second aspect of the present invention, when the customer operates the operation unit, the display control means stores the required time corresponding to the transaction content specified by the customer's operation in the storage means. At the same time as retrieving and obtaining the stored contents, the timekeeping means is instructed to start timekeeping, and the remaining time information obtained by subtracting the elapsed time obtained from the timekeeping means from the required time is sequentially displayed on the display means as waiting time information.

Thus, by displaying the waiting time information above the operation unit, it becomes possible not only for the customer who is using the service but also for the customer who is waiting in the back to see the waiting time information. Further, by displaying the waiting time information in a countdown method, it is possible to know the waiting time at the present time. Further, by storing the required time in the storage means in advance, the required time can be searched quickly.

According to the third aspect of the present invention, when the customer operates the operation unit to select a transaction for entering a passbook, the display control means causes the host computer to display transaction history information corresponding to the customer. Received via the communication line, calculate the required time for the transaction to enter the passbook based on the transaction history information, and at the same time give the timekeeping start instruction to the timekeeping means and obtain the elapsed time from the timekeeping means. Information on the subtracted remaining time is sequentially displayed on the display means as waiting time information.

Thus, by displaying the waiting time information above the operation unit, it becomes possible not only for the customer in use but also for the customer waiting in the back to see the waiting time information. Further, by displaying the waiting time information in a countdown method, it is possible to know the waiting time at the present time. Furthermore, by calculating the required time by calculation, it is possible to reduce the storage capacity, and thus to downsize the device.

According to the waiting time display method of the fourth aspect, when the customer operates the operation unit, the required time for the transaction is obtained based on the operation of the customer, and the elapsed time is subtracted from the required time. The information of the remaining time is sequentially displayed above the operation unit as waiting time information.

Thus, by displaying the waiting time information above the operation unit, not only the customer in use but also the customer waiting behind can see the waiting time information. Further, by displaying the waiting time information in a countdown method, it is possible to know the waiting time at the present time.

[0019]

Embodiments of the present invention will now be described in detail with reference to the drawings.

FIG. 2 is a block diagram showing an embodiment of the automatic transaction apparatus of the present invention.

As shown in FIG. 1, the automatic transaction apparatus of this embodiment is connected to a host computer (center) 10 through communication lines of an arbitrary number of automatic depositing machines 1.
In the figure, one automatic depositing machine 1 is shown for convenience.

The host computer 10 manages deposit / withdrawal transactions of each automatic depositing / dispensing machine 1, and is provided with a history information storage unit 10a for storing transaction history information regarding entry into a passbook for each customer. .

FIG. 1 is a perspective view of the automatic depositing machine 1.

As shown in FIG. 1, the automatic depositing machine 1 has a substantially L-shaped operation panel 3 formed on the front surface of a housing 2 as the main body of the apparatus.

The vertical operation section 3a of the operation panel 3 is provided with a passbook insertion slot 4, a card insertion slot 5 (also serving as a discharge slot for statement slips, etc.) and a staff key 6.

The horizontal operation section 3b of the operation panel 3 is provided with a deposit / withdrawal port 7 which also serves as a deposit / withdrawal port. The deposit / withdrawal port 7 can be opened and closed by a door 8.

Further, the horizontal operation section 3b is provided with a color CRT display section 9 having a built-in touch panel as an operation section, and the operation procedure and other information can be displayed on the display section 9 by illustration characters or words. In addition to guiding customers, the display of transaction information such as withdrawal, deposit, passbook entry, balance inquiry, etc. and various transaction information such as recitation number, amount, account number, transaction approval, confirmation or cancellation Input can be performed by pressing a transparent touch panel portion for each display portion of the display unit 9.

The front panel 2a at the lower front of the housing 2
Is provided with a customer detection sensor 28. The customer detection sensor 28 detects the presence or absence of a customer within a certain distance in front of the front panel 2a and outputs a detection signal to the main controller 21.

In the case 2, the passbook inserted from the passbook insertion port 4 is received, the magnetic information of the passbook is read and recorded, and the transaction contents are printed. A slip processing unit 11 that also prints and issues a single slip and a passbook printing unit 15 (see FIG. 2) are provided. Further, a magnetic card reader unit 14 is provided as a reading means for performing a reading process, a writing process, a carrying-in and a carrying-out, etc. of a magnetic card (hereinafter referred to as “card”) as a transaction medium inserted from the card insertion slot 5. ing.

The passbook printing unit 15 includes a magnetic reading unit for reading or writing information on the magnetic stripe of the passbook, a line number reading unit for reading the number of lines already printed on the passbook, and a transaction for each page of the passbook. The printer includes a printing unit that prints processing information and transaction history information if necessary, and a page turning processing unit that performs page turning processing of a passbook.

On the card, transaction information such as a customer's unique account number and branch code is recorded in advance.

Further, in the housing 2, the deposit / withdrawal unit 1
2 and the internal monitor 13 are stored.

In FIG. 1, 2b is a rear panel.

In the housing 2, as shown in FIG.
The main processing section 21 and the power supply section 26 are provided as control means for controlling the slip processing unit 11, the deposit / withdrawal unit 12, and the internal monitor 13 described above, and for controlling the entire automatic depositing / dispensing machine 1.

The main control section 21 stores in advance the data necessary for calculating the required transaction time, the RAM 22 for storing the number of bills, the customer service unit 18 composed of the CRT display section 9, the magnetic card read. Part 14,
Passbook printing unit 15, coin deposit / withdrawal unit 16, voice guidance unit 17, transmission control unit 23 for controlling data transmission with the host computer 10, floppy disk 24, remote monitor 25 for staff, timekeeping unit 29 and waiting time. The display devices 27 are connected to each other.

The floppy disk 24 stores in advance the required time corresponding to the control program and transaction contents. FIG. 3 shows an example of required time stored in advance corresponding to the transaction content. In the case of the same drawing, the required time (for example, a unit of seconds) is stored for each transaction content specified by transaction items such as withdrawal and deposit, card only, medium used such as card + passbook, transaction amount and the like. That is, the floppy disk 24 stores the time required for the automatic depositing machine 1 alone.

The waiting time indicator 27 is provided in the main control section 21.
Is used to display characters by the dot method, and the display content can be programmatically controlled to display / non-display (or display color) for each dot by software (note that display is possible). The number of colors is not specified here).

The clock unit 29 includes a crystal oscillator, an hour,
A counter provided with a plurality of minutes and seconds counters and a buffer for storing the contents of each counter, and based on the input of a start signal (time start instruction), measures the elapsed time from the time of the input and sequentially stores it in the buffer. That is, the stored contents of the buffer are cleared based on the input of the clear signal.

The main control section 21 presses the touch panel of the color CRT display section 9 to obtain the required time corresponding to the transaction content specified by the selected transaction item, transaction medium, transaction amount, etc. A start signal is input to the section 29, and information on the remaining time obtained by subtracting the elapsed time obtained from the time counting section 29 from the already obtained required time is sequentially displayed on the waiting time display 27. In addition, the main control unit 2
When determining the required time for a transaction, 1 determines whether the required time can be obtained by the automatic depositing machine 1 alone, and if it can be obtained by the automatic depositing machine 1 alone, for example, a transaction Floppy disk 24 if the item is not a passbook entry
If the automatic depositing machine 1 alone cannot find the required time by searching the storage contents of the computer, and the information from the host computer 10 is necessary, for example, when the transaction item is a passbook entry, The required time is calculated based on the information from the host computer 10.

Next, the operation of this embodiment will be described with reference to the flowchart of FIG.

The power of the automatic teller machine 1 is turned on (S
1).

The main controller 21 displays information other than the waiting time information, such as the transaction item in the transaction on the waiting time display 27 (S2).

When the customer approaches the automatic teller machine 1, the customer detection sensor 28 detects it and outputs the detection signal to the main control section 21 (S3).

The customer presses the touch panel of the color CRT display unit 9 to select, for example, a transaction item for withdrawal, and inputs, for example, 10,000 yen as the withdrawal amount (transaction amount), and inserts his or her card from the card insertion slot 5. Color CR when inserted
The T display unit 9 sends information on the selected transaction item and transaction amount to the main control unit 21, and the magnetic card reader unit 14 causes the customer-specific account number recorded on the inserted card,
The transaction information such as the branch code is read and the read result is sent to the main control unit 21 (S4).

The main control section 21 judges whether or not the selected transaction item is a passbook entry (S5), and if it is other than the passbook entry, it is necessary to correspond to the transaction content specified based on the operation of the customer. The time (12 seconds in FIG. 2) is retrieved from the floppy disk 24 (S6), and the information on the required time is displayed on the time display 27 as waiting time information as shown in FIG. 1 (S7). In FIG. 1, the time display 27 has
"The current transaction is expected to be completed in 0012 seconds."

In the display of the waiting time information, the main control unit 2
1 inputs a start signal to the timer unit 29 and gives an instruction to start timing. The timer unit 29 measures the elapsed time from the input of the start signal using a crystal oscillator and a counter, and sequentially stores it in a buffer.

The main control unit 21 reads the elapsed time from the buffer of the timer unit 29 sequentially (including every fixed time), subtracts the elapsed time from the already obtained required time, and displays it on the waiting time display 27. The time display portion 27a of the time information is sequentially updated by the countdown method.

When the transaction is completed or the customer disappears from the front of the automatic teller machine 1 (S8), the main control section 21 receives the signal from the customer detection sensor 28, and then the timer section 29. A reset signal is input to clear the buffer of the time measuring unit 29, stop displaying the waiting time on the waiting time display 27, and return to step S2.

In step S4, the customer presses the touch panel of the color CRT display unit 9 to select a transaction item in the passbook entry, and the passbook insertion slot 4 of his / her passbook is selected.
, The color CRT display unit 9 sends the information of the passbook entry, which is the selected transaction item, to the main control unit 21,
The passbook printing unit 15 receives the passbook inserted from the passbook insertion port 4, reads the magnetic information from the magnetic stripe by the magnetic reading unit, and further reads the number of lines already printed on the passbook by the line number reading unit, and reads each line. The result is sent to the main control unit 21.

When the transaction item is a passbook entry, the main control unit 2
1 is the host computer 1 because the number of entries is unknown only with the customer's passbook inserted into the automatic teller machine 1.
Before sending the bookkeeping data as transaction history information from 0, the number of entries in the transaction history information (hereinafter referred to as data A
Called. ) Is transmitted (S9), the data A and the following data (data C, D,) stored in the RAM 22 are transmitted.
E and F) and the data B read from the passbook are used to calculate the transaction required time required to enter the passbook, that is, the bookkeeping time (data G) by the following formula (S10).

Bookkeeping time (data G) = [{(data A +
Data B) ÷ Data C} × Data D] + (Data A × Data F) + Data E

The data B is the data of "the number of lines already printed" read from the passbook, and the data C
Is data on the number of entries per facing page for each type of passbook, and data D is the turning time for each type of passbook (including the processing time until the new page is printed after turning the page). Yes, the data E is the time from the end of printing the passbook to the release of the passbook to the passbook insertion slot 4,
The data F is the printing time per line.

After the required time is calculated, it is displayed on the waiting time display 27 as waiting time information in the same manner as described above,
The waiting time displayed on the time display portion 27a is sequentially updated by the countdown method (S7).

The printing unit of the passbook printing unit 15 prints the entry data received from the host computer 10 on the inserted passbook under the control of the main control unit 21.

When the transaction is completed or the customer leaves the front of the automatic teller machine 1 (S8), the process proceeds to step S2 in the same manner as described above.

The effects of this embodiment described above will be described with reference to FIG. FIG. 5 is a plan view showing an arrangement example of the automatic teller machine 1 in a financial institution of a bank.

(1) According to the present embodiment, as shown in FIG. 5, when a plurality of automatic depositing machines 1 are arranged side by side, waiting time information is displayed on the operating section of the automatic depositing machine 1. By displaying it on the waiting time display 27 arranged above the customer, waiting time information can be seen not only by the customer P ₁ who is using it but also by the customer P ₂ who is waiting in the back. Is alleviated.

(2) Further, by displaying the waiting time information in a countdown system, it becomes possible to know the waiting time at the present time, so that the customer P _{2 at} the back compares the displays of the respective time indicators 27. Then, it is possible to reduce the pain of waiting for a transaction by lining up with the person with a short waiting time, and it is also possible to improve the utilization efficiency of the automated teller machine.

(3) When the required time for a transaction can be obtained by the automatic depositing machine 1 alone, the required time can be stored in advance in the storage means such as the floppy disk 24 in accordance with the transaction contents. You can search the required time quickly.

(4) The time required for the transaction cannot be calculated by the automatic depositing machine 1 alone, and the host computer 10
Host computer 1 if information from
By obtaining the required time by calculation based on the information from 0, the storage capacity can be reduced, and the automatic depositing machine 1 or the automatic transaction device can be downsized.

In this embodiment, the waiting time information is shown in FIG.
Although the digital display is performed as shown in FIG. 6, the analog display may be performed as shown in FIG. By this. Since the waiting time can be understood graphically, the waiting time can be recognized quickly and easily.

[0062]

According to the present invention described in detail above, the following effects can be obtained.

According to the automated teller machine of the first aspect of the present invention, the waiting time information is displayed in the countdown system on the display means arranged above the operation unit, so that the customer who is in use or waiting behind the customer can wait. The burden on the customer can be reduced.

According to the automated teller machine of the second aspect of the present invention, the waiting time information is displayed on the display means arranged above the operating section in a countdown manner, so that the customer who is in use or waiting behind the customer is waiting. The burden on the customer can be reduced. Further, by storing the required time in the storage means in advance, the required time can be searched quickly.

According to the automated teller machine of the third aspect of the present invention, the waiting time information is displayed in the countdown system on the display means arranged above the operation unit, so that the customer who is in use or waiting behind him / her is waiting. The burden on the customer can be reduced. Further, by calculating the required time by calculation, it is possible to reduce the storage capacity, and eventually to downsize the automatic transaction device.

According to the waiting time display method of the fourth aspect of the present invention, the waiting time information is displayed in a countdown manner above the operation unit, so that the burden on the customer in use and the customer waiting behind can be reduced. Can be achieved.

[Brief description of drawings]

FIG. 1 is a perspective view of an automatic depositing machine according to this embodiment.

FIG. 2 is a block diagram of an automatic transaction device according to this embodiment.

FIG. 3 is a diagram for explaining the stored contents of a floppy disk of this embodiment.

FIG. 4 is a flowchart showing the operation of this embodiment.

FIG. 5 is a plan view for explaining the effect of this embodiment.

FIG. 6 is a diagram showing another display example of waiting time information.

[Explanation of symbols]

 1 Automatic Deposit Machine 10 Host Computer 10a History Information Storage Unit 21 Main Control Unit (Display Control Unit) 24 Floppy Disk 27 Wait Time Display 27a Time Display Part 29 Timekeeping Unit

Claims (4)

[Claims] 1. An automatic transaction apparatus that conducts a transaction based on a customer's operation of an operation unit, a display unit arranged above the operation unit, and a time measuring unit for measuring an elapsed time from that time based on a time start instruction. And the remaining time information obtained by subtracting the elapsed time obtained from the time measuring means by instructing the time measuring means to start the time measurement at the same time as determining the time required for the transaction based on the operation of the customer on the operation unit. And a display control means for sequentially displaying on the display means. 2. An automatic transaction apparatus that conducts a transaction based on a customer's operation on an operation unit, a display unit arranged above the operation unit, and a time measuring unit for measuring an elapsed time from that time based on a time start instruction. And a storage means for pre-storing the required time of the transaction corresponding to the transaction content, and a required time corresponding to the transaction content specified by the operation of the customer on the operation unit by searching the storage content of the storage means. At the same time, there is provided display control means for instructing the timekeeping means to start timekeeping and sequentially displaying information on the remaining time obtained by subtracting the elapsed time obtained from the timekeeping means from the required time on the display means. Automatic transaction equipment. 3. An automatic transaction in which an arbitrary number of automatic teller machines are connected to a host computer via a communication line, and a transaction including a passbook entry is made based on a customer's operation on an operation unit of the automatic teller machine. In the apparatus, the host computer includes a storage unit that stores transaction history information regarding entry of a passbook for each customer, and the automatic depositing machine is provided with a display unit disposed above the operation unit and a time counting start instruction. Based on the timing means for counting the elapsed time from that point, and when the transaction of the passbook entry is selected by the customer's operation on the operation unit, the transaction history information corresponding to the customer is transmitted from the host computer via the communication line. The time required for the transaction to enter the relevant passbook is calculated based on the transaction history information, and at the same time, the timekeeping means is instructed to start timekeeping. Automated teller machine, characterized in that the elapsed time obtained from clock means and a display control means for sequentially displaying the information of the remaining time obtained by subtracting from the required time on the display means. 4. A waiting time display method in an automatic transaction apparatus which conducts a transaction based on an operation of a customer on an operation unit, the step of obtaining a required time for the transaction based on an operation of the customer on the operation unit, And a step of sequentially displaying, as waiting time information, remaining time information obtained by subtracting the elapsed time from the required time above the operation unit, the waiting time display method.