Automatic transaction device and display control method in automatic transaction device

Abstract

To realize display in an automatic transaction device for facilitating performing a transaction operation to various users.SOLUTION: An automatic transaction device holds display information showing transaction display related to a transaction and operation for the transaction, and background display, divides a display area in a display device into a plurality of display areas including a transaction display area for displaying the transaction display, and a background display area for displaying the background display, controls respective displays of the plurality of display areas, displays a display position change button in the background display area, and changes a display position in a vertical direction of the transaction display area on the basis of operation to the display position change button.SELECTED DRAWING: Figure 3A

Description

[Technical field]

[0001] The present invention relates to an automatic transaction device and a display control method in an automatic transaction device. [Background technology]

[0002] As a background art of this technical field, there is JP 2009-230195 A (Patent Document 1). This publication states that "an automated transaction device is characterized by comprising: a display unit that displays information on a screen divided into a main window and a sub-window; a memory unit that stores transaction operation guide information and transaction operation assist information; a first control unit that acquires the transaction operation guide information from the memory unit and provides the acquired transaction operation guide information to the display unit as information to be displayed on the main window; and a second control unit that acquires the transaction operation assist information from the memory unit and provides the acquired transaction operation assist information to the display unit as information to be displayed on the sub-window" (see abstract). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2009-230195 A Summary of the Invention [Problem to be solved by the invention]

[0004] The technology described in Patent Document 1 displays transaction-related information such as transaction operation guide information and transaction operation assistance information, and information on transaction operations. Since automated transaction devices are used by a variety of people, including short people, tall people, and people in wheelchairs, the display position (height) of this information to facilitate transaction operations varies depending on the user, but Patent Document 1 does not describe making the position of the window displaying this information variable.

[0005] Therefore, one aspect of the present invention provides a display in an automated transaction device that makes it easy for various users to perform transaction operations. [Means for solving the problem]

[0006] In order to solve the above problems, one aspect of the present invention employs the following configuration: An automated transaction device has a processor, a memory, and a display device, the memory holds display information indicating a transaction display related to a transaction and a background display, the processor divides a display area on the display device into a plurality of display areas including a transaction display area in which the transaction display is displayed and a background display area in which the background display is displayed, controls display of each of the plurality of display areas, displays a display position change button in the background display area, and changes the vertical display position of the transaction display area based on an operation on the display position change button. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to realize a display in an automated transaction device that makes it easy for various users to perform transaction operations.

[0008] Problems, configurations and effects other than those described above will become apparent from the following description of the embodiments. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of the appearance of an ATM (Automatic Teller Machine) in a first embodiment. [Diagram 2] 1 is a block diagram showing an example of the configuration of an ATM in a first embodiment. [Figure 3A] FIG. 13 is a diagram showing an example of a screen configuration in a split display state in which the transaction display area in the first embodiment is located in a normal position. [Figure 3B] FIG. 13 is a diagram showing an example of a screen configuration in a split display state in which the transaction display area is located at the bottom in Example 1. [Figure 4A]FIG. 11 is a diagram illustrating an example of a screen configuration in a full-screen display state for an idle state in the first embodiment. [Figure 4B] FIG. 13 is a diagram showing an example of a screen configuration in a full-screen display state for a medium return screen in the first embodiment. [Diagram 5] 11 is a flowchart showing an example of a pre-transaction process in the first embodiment. [Figure 6] 11 is a flowchart showing an example of a deposit transaction process in the first embodiment. [Figure 7] 1 is a flowchart showing an example of a withdrawal transaction process in the first embodiment. [Figure 8A] FIG. 13 is a diagram showing an example of display content of a trading start guidance screen in the first embodiment. [Figure 8B] FIG. 13 is a diagram showing an example of display content of a trading start guidance screen in the first embodiment. [Figure 9] FIG. 11 is a diagram illustrating an example of display content on an idle state screen in the first embodiment. [Figure 10A] FIG. 13 is a diagram showing an example of display content of a transaction start screen in the first embodiment. [Figure 10B] FIG. 13 is a diagram showing an example of display content of a transaction start screen in the first embodiment. [Figure 11] FIG. 13 is a diagram showing an example of display content on a medium return screen for returning banknotes in a divided display state in the first embodiment. [Figure 12A] FIG. 13 is a diagram showing an example of display content on a medium return screen for returning banknotes in a full-screen display state in the first embodiment. [Figure 12B] FIG. 13 is a diagram showing an example of display content on a medium return screen for returning a card and a receipt in a full-screen display state in the first embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. In this embodiment, the same components are generally designated by the same reference numerals, and repeated explanations are omitted. Note that this embodiment is merely an example for realizing the present invention, and does not limit the technical scope of the present invention. EXAMPLES

[0011] FIG. 1 is a diagram showing an example of the appearance of an ATM. The ATM 100 of this embodiment is installed, for example, in a convenience store or the like, and realizes transactions with each of a plurality of financial institutions. The ATM 100 is an example of an automated transaction device. The ATM 100 has, for example, a display device 101, a keypad 102, a card / statement slot 103, a lamp 104, a bill slot 105, a lamp 106, a speaker 107, and a bill deposit / withdrawal device 108.

[0012] The display device 101 is, for example, a touch panel, which displays a transaction operation screen and accepts input of the selection of transaction type, amount, etc. (that is, the display device 101 also functions as an input device). The size of the display screen of the display device 101 is, for example, within a range of 27.5 cm to 32.5 cm in width and 35 cm to 40 cm in height (for example, 1024 pixels x 1280 pixels), and the aspect ratio of the display screen is, for example, 4:5 or 3:4. In other words, the display device 101 has a vertically long display surface. Note that the directions of the length, width, top and bottom, left and right, etc. of the display device 101 in this embodiment refer to the directions when the display device 101 of the ATM 100 in an installed state is seen by the user.

[0013] The inclination of the upper side of the display surface of display device 101 in the depth direction (based on the vertical plane) is within the range of, for example, 15 degrees to 20 degrees. The lower end of the display screen of display device 101 is located, for example, in the range of 105 cm to 115 cm from the floor surface on which ATM 101 is placed, and the upper end of the display screen of display device 101 is located, for example, in the range of 140 cm to 150 cm from the floor surface on which ATM 101 is placed.

[0014] The keypad 102 is, for example, a numeric keypad, and accepts input of a transaction amount, a PIN number, etc. The card / statement slot 103 is a mechanism for accepting insertion of cards including cash cards and credit cards, etc., and for ejecting cards, statements, etc.

[0015] Lamp 104 emits light in a flashing or other manner, for example, when a card or other item can be inserted into card / received slip slot 103, or when a card or itemized slip is being ejected from card / received slip slot 103, instructing the user to insert and receive a card, and to receive a itemized slip, etc.

[0016] The bill port 105 is a mechanism that accepts the insertion of bills to be deposited and discharges bills to be dispensed. The lamp 106, for example, emits light in a flashing manner when a bill can be inserted into the bill port 105 or when a bill is discharged from the bill port 105, thereby instructing the user to insert and receive bills, etc. The speaker 107 outputs, for example, advertisements, audio guidance related to transactions, and audio guidance related to notices to the user.

[0017] The banknote deposit and withdrawal device 108 has a banknote vault in which banknotes are stored, and a mechanism for transporting banknotes between the banknote vault and the banknote port 105. For example, in a deposit transaction process described below, the banknote deposit and withdrawal device 108 takes in banknotes inserted into the banknote port 105 when depositing is permitted and stores them in the banknote vault, and in a withdrawal transaction process described below, transports banknotes stored in the banknote vault to the banknote port 105 when withdrawal is permitted.

[0018] Items that can be inserted into and / or ejected from ATM 100, such as cards, receipts, and bills, are also collectively referred to as media used in transactions (hereinafter simply referred to as media). Card / receipt slot 103 and bill slot 105 are both examples of an entrance for receiving media and examples of an exit for ejecting media.

[0019] 2 is a block diagram showing an example of the configuration of the ATM 100. The ATM 100 further includes a CPU (Central Processing Unit) 110, a memory 120, an auxiliary storage device 130, and a communication device 140, for example.

[0020] CPU 110 includes a processor and executes programs stored in memory 120. Memory 120 includes ROM (Read Only Memory), which is a non-volatile storage element, and RAM (Random Access Memory), which is a volatile storage element. ROM stores immutable programs (e.g., BIOS (Basic Input / Output System)) and the like. RAM is a high-speed, volatile storage element such as DRAM (Dynamic Random Access Memory), and temporarily stores programs executed by CPU 110 and data used when the programs are executed.

[0021] The auxiliary storage device 130 is a large-capacity non-volatile storage device such as a magnetic storage device (HDD (Hard Disk Drive)) or a flash memory (SSD (Solid State Drive)), and stores programs executed by the CPU 110 and data used when the programs are executed. That is, the programs are read from the auxiliary storage device 130, loaded into the memory 120, and executed by the CPU 110.

[0022] The communication device 140 is a network interface device that controls communication with other devices according to a predetermined protocol. The communication device 140 is connected to accounting systems owned by multiple financial institutions such as banks and a server of an administrator of the ATM 100 via a network such as the Internet. The communication device 140 may also include a serial interface such as a Universal Serial Bus (USB).

[0023] A part or all of the programs executed by the CPU 110 may be provided to the ATM 100 from a removable medium (such as a CD-ROM or a flash memory) which is a non-transitory storage medium, or from an external computer equipped with a non-transitory storage device via a network, and may be stored in the non-volatile auxiliary storage device 130 which is a non-transitory storage medium. For this reason, the ATM 100 may have an interface for reading data from the removable medium.

[0024] The CPU 110 includes, for example, a pre-transaction start processing unit 111, a transaction processing unit 112, a full screen display control unit 113, and a split display control unit 114, which are all functional units. The pre-transaction start processing unit 111 controls processing before the start of a transaction. The transaction processing unit 112 controls processing related to transactions such as deposit transaction processing and withdrawal transaction processing.

[0025] The full screen display control unit 113 controls the display in a full screen display state, which will be described later, on the display device 101. The split display control unit 114 controls the display in a split display state, which will be described later, on the display device 101, and includes a background display control unit 115 and a transaction display control unit 116, both of which are functional units. The background display control unit 115 controls the display of a background display area, which will be described later, in the split display state. The transaction display control unit 116 controls the display of a transaction display area, which will be described later, in the split display state.

[0026] For example, CPU 110 functions as transaction start pre-processing unit 111 by operating according to a transaction start pre-processing program loaded into memory 120, and functions as transaction processing unit 112 by operating according to a transaction processing program loaded into memory 120. The same relationship between programs and functional units applies to other functional units included in CPU 110.

[0027] Some or all of the functions of the functional units included in the CPU 110 may be realized by hardware such as an Application Specific Integrated Circuit (ASIC) or a Field Programmable Gate Array (FPGA).

[0028] The auxiliary storage device 130 holds, for example, background display information 131, transaction display information 132, and full screen display information 133. The background display information 131 includes information necessary for the background display control unit 115 to control the display of the background display area, such as information on images that can be displayed in the background display areas (upper background display area, middle background display area, and lower background display area) described later.

[0029] The transaction display information 132 includes information necessary for the transaction display control unit 116 to control the display of the transaction display area, such as information on images that can be displayed in the transaction display area described below. The full screen display information 133 includes information necessary for the full screen display control unit 113 to control the display of the full screen display area, such as information on images that can be displayed in the full screen display area (including a full screen upper display area and a full screen lower display area) described below.

[0030] The background display information 131, the transaction display information 132, and the full screen display information 133 may be stored in advance in the auxiliary storage device 130, or the background display information 131, the transaction display information 132, and the full screen display information 133 may be obtained by inquiring about the information to be displayed on the display device 101 from an accounting system owned by the financial institution or a server of the administrator of the ATM 100 each time the ATM 100 executes a process.

[0031] It should be noted that some or all of the information stored in the auxiliary storage device 130 may be stored in the memory 120, or in an external database connected to the ATM 100.

[0032] In this embodiment, the information used by the ATM 100 does not depend on the data structure and may be expressed in any data structure. For example, the information may be stored in a data structure appropriately selected from a list, a table, a database, or a queue.

[0033] 3A to 4B, the display states of the display area of ​​the display device 101 of the ATM 100 in this embodiment will be described below. The display states of the display area of ​​this embodiment include a split display state and a full screen display state.

[0034] In the split display state, the display area of ​​the display device 101 includes a background display area and a transaction display area that is displayed overlapping the foreground layer of the background display area (as viewed from the user), and the display of the background display area and the display of the transaction display area are controlled separately. In the full screen display state, the display area of ​​the display device 101 occupies the entire display area and is made up of a full screen display area that is displayed on the foreground layer, that is, the display of the entire display area is controlled collectively. Note that the transaction display area, background display area, and full screen display area may all be arranged on the same layer.

[0035] 3A is a diagram showing an example of a screen configuration in a split display state in which the transaction display area is located at the normal position. In the split display state in which the transaction display area is located at the normal position, the transaction display area 310 is located at the center in the vertical direction of the display area 300, and the background display area is divided into an upper background display area 321 and a lower background display area 322.

[0036] The transaction display area 310 displays, for example, buttons for operations performed in a transaction, and transaction-related information including the progress of the transaction, etc. The background display area displays, for example, advertisements and logos of financial institutions that accept transactions through the ATM 100, advertisements and logos of the management entity of the ATM 100, the hours during which the ATM 100 can be used, and information to inform the user about restricted functions of the ATM 100 (for example, restrictions on depositing and withdrawing certain banknotes, etc.).

[0037] Among the above-mentioned items of notice to the user, for example, advertisements and logos of financial institutions that can handle transactions using the ATM 100 and advertisements and logos of the management entity of the ATM 100 may be displayed in the upper background display area 321. In particular, before identifying the financial institution that corresponds to the inserted card in the pre-transaction start processing described below, an advertisement and logo of the management entity of the ATM 100 may be displayed in the upper background display area 321, and after identifying the financial institution that corresponds to the inserted card in the pre-transaction start processing and during the execution of transaction processing including the deposit transaction processing and withdrawal transaction processing described below, an advertisement and logo of the corresponding financial institution may be displayed in the upper background display area 321.

[0038] In addition, the lower background display area 322 may display, among the above-mentioned notices to the user, for example, the available time period of the ATM 100 and restricted functions of the ATM 100. In addition, a button 323 (an example of a display position change button) is displayed in the lower background display area 322. When the button 323 is selected, the vertical position of the transaction display area 310 (within the display area 300) is lowered, and the display changes to a split display state in which the transaction display area 310 is located at the bottom as shown in FIG. 3B described later. In the split display state in which the transaction display area is located at the normal position, it is preferable that the button 323 is always displayed in the lower background display area 322 (i.e., the display can always be changed to a split display state in which the transaction display area 310 is located at the bottom).

[0039] For example, the vertical sizes of the upper background display area 321, the transaction display area 310, and the lower background display area 322 are within the ranges of 6 cm to 9 cm, 21 cm to 24 cm, and 6 cm to 9 cm, respectively. Since the information displayed in the transaction display area 310 is the most important to users and financial institutions, the size of the transaction display area 310 is larger than the sizes of the upper background display area 321 and the lower background display area 322 (for example, about 2 to 3 times larger).

[0040] For example, in the split display state where the transaction display area 310 is in the normal position, the lower end of the transaction display area 310 is located in the range of 111 cm to 124 cm from the floor surface on which the ATM 101 is placed, and the upper end of the transaction display area 310 is located in the range of 131 cm to 144 cm from the floor surface on which the ATM 101 is placed, which is a height that makes it easy for a user of average height (e.g., a person approximately 150 cm to 180 cm tall) to perform transaction operations while standing.

[0041] Also, for example, in a split display state in which the transaction display area 310 is located in the normal position, the lower end of the lower background display area 322 is located in a range of 105 cm to 115 cm from the floor surface on which the ATM 101 is placed, and the upper end of the lower background display area 322 is located in a range of 111 cm to 124 cm from the floor surface on which the ATM 101 is placed, which are heights that allow wheelchair users and short people to easily operate button 323 to change the position of the transaction display area 310.

[0042] 3B is a diagram showing an example of a screen configuration in a split display state where the transaction display area 310 is located at the bottom. In the split display state where the transaction display area 310 is located at the normal position, the transaction display area 310 is located at the bottom of the display area 300 (for example, the bottom end of the display area 300 and the bottom end of the transaction display area 310 are aligned), and the background display area is located above the transaction display area 310. Furthermore, the background display area is divided into an upper background display area 321 and a central background display area 324.

[0043] The display contents of the transaction display area 310, upper background display area 321, and middle background display area 324 in the split display state in which the transaction display area 310 is located at the bottom are the same as the display contents of the transaction display area 310, upper background display area 321, and lower background display area 322 in the split display state in which the transaction display area 310 is located in the normal position.

[0044] However, in place of button 323, button 325 (an example of a display position change button) is displayed in central background display region 324. When button 325 is selected, the vertical position of transaction display region 310 (within display region 300) rises, and the display changes to the split display state in which transaction display region 310 is located in the normal position as described above in Fig. 3A. Note that in the split display state in which the transaction display region is located at the bottom, it is preferable that button 325 is always displayed in central background display region 324 (i.e., it is always possible to change to the split display state in which transaction display region 310 is located in the normal position).

[0045] It is preferable that the state transition between the split display state in which the transaction display area 310 is located in the normal position and the split display state in which the transaction display area 310 is located at the bottom is performed only by operating the buttons 323 and 325 (i.e., the state is not changed automatically). However, when the transaction is completed or canceled and the display returns to the transaction start guide described below, it is preferable to return to the default split display state (for example, the transaction display area 310 is located in the normal position).

[0046] Also, for example, when the display transitions from the split display state to the full screen display state and then to the split display state again, the position of the transaction display area 310 is the same as in the split display state immediately before the full screen display. However, when the display transitions to the full screen display for the idle state in the pre-transaction start processing described later and transitions again to the split display state for the transaction start guide described later, the display may be returned to the default split display state (for example, the transaction display area 310 is located in the normal position).

[0047] In addition, the vertical sizes of the transaction display area 310, upper background display area 321, and middle background display area 324 in the split display state in which the transaction display area 310 is located at the bottom are respectively the same as the vertical sizes of the upper background display area 321, transaction display area 310, and lower background display area 322 in the split display state in which the transaction display area 310 is located in the normal position.

[0048] For example, in the split display state where the transaction display area 310 is located at the bottom, the lower end of the transaction display area 310 is located in the range of 105 cm to 115 cm from the floor surface on which the ATM 101 is placed, and the upper end of the transaction display area 310 is located in the range of 126 cm to 139 cm from the floor surface on which the ATM 101 is placed, which is a height that allows wheelchair users and short people to easily perform transaction operations.

[0049] Also, for example, in a split display state in which the transaction display area 310 is located at the bottom, the lower end of the central background display area 324 is located in a range of 126 cm to 139 cm from the floor surface on which the ATM 101 is placed, and the upper end of the lower background display area 322 is located in a range of 132 cm to 148 cm from the floor surface on which the ATM 101 is placed, which is a height that allows a user of average height (for example, a person approximately 150 cm to 180 cm tall) to easily operate button 325 and change the position of the transaction display area 310 while standing.

[0050] Note that Figures 3A and 3B illustrate examples of a split display state in which the transaction display area 310 is located in the center of the display area 300 and at the bottom, but a split display state in which the transaction display area 310 is located at the top of the display area 300 (for example, a split display state in which the top end of the display area 300 and the top end of the transaction display area 310 are aligned, and the upper background display area 321 and the lower background display area 322 are located at the bottom of the transaction display area 310) may also be realizable, and these three split display states, or any two of these three split display states, may be switchable by user operation.

[0051] 4A is a diagram showing an example of a screen configuration in a full-screen display state for an idle state. In the full-screen display state for an idle state, a full-screen display area occupies the entire display area 300, and the full-screen display area is divided into a full-screen upper display area 331 and a full-screen lower display area 332.

[0052] Among the above-mentioned notices to the user, for example, advertisements for financial institutions that can handle transactions using the ATM 100 and advertisements for the management entity of the ATM 100 may be displayed in the full-screen upper display area 331. For example, a display informing the user that touching the display area 300 of the display device 101 will end the idle state and display a transaction guide screen, which will be described later, may be displayed in the full-screen lower display area 332.

[0053] For example, the vertical sizes of the full-screen upper display area 331 and the full-screen lower display area 332 are within the ranges of 30 cm to 34 cm and 3 cm to 7 cm, respectively. In the full-screen display state for the idle state, the area available for the transaction display area 310 can also be used to display advertisements and the like that are larger (e.g., about 2 to 3 times larger) than the background display area in the split display state, thereby improving the effectiveness of advertisements and the like that appeal to users of the ATM 100.

[0054] 4B is a diagram showing an example of a screen configuration in a full-screen display state for the medium return screen. In the full-screen display state for the medium return screen, a full-screen display area 333 occupies the entire display area 300. In the full-screen display area 333, an animation for returning the medium, which will be described later, is displayed.

[0055] Although details will be described later, when returning media in a state where the transaction cannot be executed until the transaction start guidance state is returned to (i.e., the transaction is to be ended), the media return screen is displayed in full screen display area 333 in full screen display mode. In such a case, by guiding the user to return the media in full screen display mode, it is possible to prevent the user from forgetting to take the media, even if the user's attention is reduced because the user feels that the purpose has been achieved because the transaction has ended.

[0056] On the other hand, when returning the media in a state where the transaction can be executed (continued) without returning to the transaction start guidance state, the user is prompted to return the media in the transaction display area 310 in the split display state. If the transaction can be continued in this way, the user has not yet achieved their goal, so their attention is not diminished, and there is little chance that the user will forget to take the media even if the user is prompted to return the media only in the transaction display area 310. In this case, advertisements, etc. can also be displayed in the background display area in the split display state, making it possible to both guide the user to return the media and improve the appeal of the advertisements, etc.

[0057] The following describes pre-transaction processing and transaction processing executed by the ATM 100 of this embodiment. The ATM 100 may be capable of executing various transaction processes including deposit transaction processing, withdrawal transaction processing, balance inquiry processing, and transfer transaction processing, but in this embodiment, deposit transaction processing and withdrawal transaction processing will be described as examples of transaction processing.

[0058] 5 is a flow chart showing an example of a transaction start pre-processing. The transaction start pre-processing unit 111 executes a transaction start guide (S501). Specifically, for example, the transaction start pre-processing unit 111 controls the card / statement slot 103 to a state in which insertion of a card can be accepted, and the split display control unit 114 displays a transaction start guide screen on the display device 101 in a split display state.

[0059] The pre-transaction start processing unit 111 determines whether a card has been inserted into the card / statement slot 103 (S502). If the pre-transaction start processing unit 111 determines that a card has not been inserted (S502: NO), it determines whether a predetermined time has elapsed since the start of the transaction start guidance in step S501 (S503). If the pre-transaction start processing unit 111 determines that the predetermined time has not elapsed since the start of the transaction start guidance in step S501 (S503: NO), it returns to step S502.

[0060] When the pre-transaction start processing unit 111 determines that a predetermined time has elapsed since the start of the transaction start guidance in step S501 (S503: YES), the state transitions to an idle state (S504). Specifically, for example, in the idle state, the full screen display control unit 113 controls the display of the display device 101 to a full screen display screen for the idle state. Note that in the idle state, the pre-transaction start processing unit 111 may control the state in which insertion of a card into the card / statement slot 103 cannot be accepted.

[0061] The pre-transaction start processing unit 111 determines whether the display screen of the display device 101 has been touched in the idle state (S505). If the pre-transaction start processing unit 111 determines that the display screen of the display device 101 has not been touched (S505: NO), it continues the idle state and executes the determination of step S505 again. If the pre-transaction start processing unit 111 determines that the display screen of the display device 101 has been touched (S505: YES), it returns to step S501.

[0062] When it is determined that a card has been inserted (S502: YES), the pre-transaction processing unit 111 determines whether the card is normal (S506). Specifically, for example, the pre-transaction processing unit 111 determines whether the card is normal based on whether the magnetic stripe or IC (Integrated Circuit) of the card has been read normally.

[0063] If the pre-transaction start processing unit 111 determines that the card is not normal (S506: NO), it ejects the card from the card / statement slot 103, and the full-screen display control unit 113 displays a media return screen for returning the card in full-screen display on the display device 101 (S507), and the process returns to step S501.

[0064] When the pre-transaction start processing unit 111 determines that the card is normal (S506: YES), it determines whether the card is inserted in the correct direction (S508). When the pre-transaction start processing unit 111 determines that the card is not inserted in the correct direction (S508: NO), it ejects the card from the card / statement slot 103, and the split display control unit 114 displays a medium return screen for card return in a split display state on the display device 101 (S509).

[0065] The pre-transaction start processing unit 111 controls the device to a state in which reinsertion of the card can be accepted, and the split display control unit 114 displays a card reinsertion guide on the display device 101 in a split display state, instructing the user to reverse the insertion direction of the card and insert it into the card / statement slot 103 (S510).

[0066] The pre-transaction start processing unit 111 determines whether the card has been reinserted into the card / statement slot 103 (S511). If the pre-transaction start processing unit 111 determines that the card has been reinserted (S511: YES), the process returns to step S506. If the pre-transaction start processing unit 111 determines that the card has not been reinserted (S511: NO), the process continues the card reinsertion guidance of step S510 and performs the determination of step S511 again.

[0067] When the pre-transaction start processing unit 111 determines that the card was inserted in the correct direction (S508: YES), the split display control unit 114 displays the transaction start screen of the financial institution corresponding to the inserted card in a split display state on the display device 101 (S512). On the transaction start screen, transaction display area 310 displays transaction type selection buttons including buttons for starting each transaction (deposit button, withdrawal button, etc.) and a button for ejecting the card without executing the transaction (cancel button).

[0068] The pre-transaction start processing unit 111 determines the transaction type corresponding to the button selected by the user on the transaction start screen (S513), and executes processing corresponding to the transaction type. Specifically, for example, when the pre-transaction start processing unit 111 determines that the transaction type is a deposit transaction (S513: deposit), it transitions to a deposit transaction process described later, when it determines that the transaction type is a withdrawal transaction (S513: withdrawal), it transitions to a withdrawal transaction process described later, and when it determines that the transaction type is a cancellation (S513: cancellation), it transitions to step S507.

[0069] 6 is a flow chart showing an example of a deposit transaction process. The transaction processing unit 112 executes a banknote insertion guide (S601). Specifically, for example, the transaction processing unit 112 controls the banknote opening 105 to open and accept the insertion of banknotes into the banknote opening 105, and the split display control unit 114 displays a banknote insertion guide screen on the display device 101 in a split display state.

[0070] When the transaction processing unit 112 determines that a predetermined time has elapsed since the start of the banknote insertion guidance, or that an instruction button for closing the banknote port 105 (e.g., displayed on the banknote insertion guidance screen) has been selected, it closes the banknote port 105 and counts the banknotes inserted into the banknote port 105 (S602).

[0071] The transaction processing unit 112 judges whether an abnormality has occurred in the insertion of the banknotes (S603). Specifically, for example, when the transaction processing unit 112 judges that a predetermined event has occurred, such as a foreign object being inserted into the banknote port 105, a reading error has occurred for the banknote inserted into the banknote port 105, the inserted banknote is bent, or the total number of the counted banknotes and the number of banknotes stored in the banknote vault of the banknote deposit and withdrawal device 108 exceeds the capacity of the banknote vault, the transaction processing unit 112 judges that an abnormality has occurred in the insertion of the banknotes, and when it judges that none of the predetermined events has occurred, the transaction processing unit 112 judges that an abnormality has not occurred in the insertion of the banknotes.

[0072] If the transaction processing unit 112 determines that an abnormality has occurred in the insertion of the banknote (S603: YES), it ejects the medium (banknote) from the banknote slot 105, and the split display control unit 114 displays a medium return screen for returning the banknote in a split display state on the display device 101 (S604), and returns to step S601.

[0073] When the transaction processing unit 112 determines that no abnormality has occurred in the insertion of the banknotes (S603: NO), the split display control unit 114 displays a deposit amount confirmation screen in a split display state on the display device 101 (S605). The deposit amount confirmation screen displays, for example, the total amount of banknotes to be deposited counted in step S602, an execute button for instructing to deposit the total amount of banknotes, and a cancel button for canceling the deposit.

[0074] The transaction processor 112 determines whether the user has instructed to execute the deposit (S606). For example, if the transaction processor 112 determines that a predetermined time has passed since the deposit amount confirmation screen was displayed without either the execute button or the cancel button being selected, or if the transaction processor 112 determines that the deposit has been canceled (S606: NO), the process proceeds to step S613, which will be described later.

[0075] The transaction processing unit 112 determines that an instruction to execute a deposit has been given when, for example, the execute button on the deposit amount confirmation screen is selected (S606: YES), and executes sending and receiving of a deposit message corresponding to the deposit amount between the accounting system of the corresponding financial institution (S607).

[0076] The transaction processing unit 112 determines whether a deposit message indicating that the deposit is permitted has been received from the accounting system of the corresponding financial institution in step S607 (S608). If the transaction processing unit 112 determines that a deposit message indicating that the deposit is permitted has been received (S608: YES), the split display control unit 114 displays a balance confirmation screen in a split display state, which indicates the balance of the account of the card after the deposit has been made (S609).

[0077] The transaction processing unit 112 executes a deposit process in which the banknotes inserted into the banknote slot 105 are taken in and stored in the banknote vault of the banknote deposit and withdrawal device 108, and while the deposit process is being executed, the split display control unit 114 displays a processing waiting screen in a split display state on the display device 101, indicating that the user is being kept waiting because processing is being executed (S610).

[0078] The transaction processing unit 112 ejects the card and receipt from the card / receipt slot 103, and the full screen display control unit 113 displays a medium return screen for returning the card and receipt in full screen mode on the display device 101 (S611). The split display control unit 114 displays a deposit transaction end screen, indicating that the deposit transaction has ended, in split display mode on the display device 101 (S612), and the process transitions to pre-transaction start processing.

[0079] If the transaction processing unit 112 determines that it has not received a deposit message indicating that the deposit is permitted (S608: NO), the split display control unit 114 displays a deposit rejection notice screen in split display mode on the display device 101, indicating that the deposit has been rejected (S613).

[0080] The transaction processing unit 112 executes a deposit cancellation process, and while the deposit cancellation process is being executed, the split display control unit 114 displays a processing waiting screen in a split display state on the display device 101 (S614). The transaction processing unit 112 ejects the inserted banknote from the banknote slot 105, and the full screen display control unit 113 displays a medium return screen for banknote return in a full screen display state on the display device 101 (S615). The transaction processing unit 112 ejects the card from the card / statement slot 103, and the full screen display control unit 113 displays a medium return screen for card return in a full screen display state on the display device 101 (S616), and the process transitions to a transaction pre-start process.

[0081] 7 is a flowchart showing an example of a withdrawal transaction process. The split display control unit 114 displays a PIN input guide screen for prompting the user to input a PIN in a split display state on the display device 101, and the transaction processing unit 112 accepts the user's input of the PIN into the keypad 102 (S701).

[0082] The transaction processing unit 112 determines whether the input PIN is correct, for example, by inquiring of the accounting system of the corresponding financial institution whether the input PIN is correct (S702). If the transaction processing unit 112 determines that the input PIN is correct (S702: YES), the split display control unit 114 displays a withdrawal amount input guide screen in a split display state on the display device 101 to prompt the user to input the withdrawal amount, and the transaction processing unit 112 accepts the user's input of the withdrawal amount using the keypad 102 (S703).

[0083] The transaction processing unit 112 executes transmission and reception of a withdrawal message corresponding to the input withdrawal amount with the accounting system of the corresponding financial institution (S704). The transaction processing unit 112 determines whether a withdrawal message indicating that the withdrawal is permitted has been received from the accounting system of the corresponding financial institution in step S704 (S705).

[0084] If the transaction processing unit 112 determines that it has not received a withdrawal message indicating that the withdrawal is permitted (S705: NO), the split display control unit 114 displays a withdrawal refusal notice screen in a split display state on the display device 101, indicating that the withdrawal has been rejected (S706).

[0085] The transaction processing unit 112 executes withdrawal cancellation processing, and while the withdrawal cancellation processing is being executed, the split display control unit 114 displays a processing waiting screen in split display state on the display device 101 (S707). The transaction processing unit 112 ejects the card from the card / statement slot 103, and the full screen display control unit 113 displays a medium return screen for returning the card in full screen display state on the display device 101 (S708), and the process transitions to transaction pre-start processing.

[0086] When the transaction processing unit 112 determines that a withdrawal message indicating that the withdrawal is permitted has been received (S705: YES), the split display control unit 114 displays a balance confirmation screen in a split display state, which indicates the balance of the account of the card after the withdrawal has been made (S709). Note that the balance confirmation screen displayed in step S709 further displays a statement issue button for issuing a statement, and a statement not issue button for issuing a statement.

[0087] The transaction processing unit 112 executes a withdrawal process to transport banknotes equivalent to the withdrawal amount from the banknote vault of the banknote deposit and withdrawal device 108 to the banknote port 105, and while the withdrawal process is being executed, the split display control unit 114 displays a waiting for processing screen in a split display state on the display device 101 (S710).

[0088] The transaction processing unit 112 determines whether a statement issuance has been instructed by the user (S711). For example, when the transaction processing unit 112 determines that the statement issue button on the balance confirmation screen has been selected, or when the transaction processing unit 112 determines that a predetermined time has elapsed since the balance confirmation screen was displayed without either the statement issue button or the statement non-issue button being selected, the transaction processing unit 112 determines that a statement issue has been instructed (S711: YES), ejects the banknotes conveyed to the banknote port 105 from the banknote port 105, and the full screen display control unit 113 displays a medium return screen for banknote return in full screen display state on the display device 101 (S712).

[0089] The transaction processing unit 112 ejects the card and receipt from the card / receipt slot 103, and the full screen display control unit 113 displays a medium return screen for returning the card and receipt in full screen mode on the display device 101 (S713). The split display control unit 114 displays a withdrawal transaction completion screen, indicating that the withdrawal transaction has been completed, in split display mode on the display device 101 (S714), and the process transitions to pre-transaction start processing.

[0090] For example, if the transaction processing unit 112 determines that the non-issue statement button on the balance confirmation screen has been selected, it determines that no instruction to issue a statement has been given (S711: NO), ejects the banknotes transported to the banknote port 105 from the banknote port 105, and the full-screen display control unit 113 displays a media return screen for returning banknotes in full-screen display mode on the display device 101 (S715).

[0091] The transaction processing unit 112 ejects the card from the card / statement slot 103, and the full screen display control unit 113 displays a medium return screen for returning the card in full screen display on the display device 101 (S716), and the process transitions to step S714.

[0092] Fig. 8A is a diagram showing an example of the display content of the transaction start guidance screen in step S501. In the example of Fig. 8A, the display state of the display area 300 is a split display state in which the transaction display area 310 is located at the normal position.

[0093] The transaction display area 310 displays a guide indicating that a transaction will begin when the card is inserted into the card / statement slot 103. An advertisement for the bank is displayed in the upper background display area 321. The lower background display area 322 displays a display indicating that some functions of the ATM 100 are restricted (e.g., 1,000 yen bills cannot be deposited) and a button 323.

[0094] Fig. 8B is a diagram showing an example of the display content of the transaction start guidance screen in step S501. In the example of Fig. 8B, the display state of the display area 300 is a split display state in which the transaction display area 310 is located at the bottom.

[0095] The display contents in the transaction display area 310, upper background display area 321, and middle background display area 324 in Fig. 8B are similar to the display contents in the transaction display area 310, upper background display area 321, and lower background display area 322 in Fig. 8A, respectively. However, in the middle background display area 324, a button 325 is displayed instead of the button 323.

[0096] In this way, when a process is being executed that displays in a split display state, even if the position of the transaction display area 310 is changed, unless the process is switched, only the display position changes (except that button 323 changes to button 325), and the display content does not change.

[0097] Fig. 9 is a diagram showing an example of display content of the idle state screen in step S504. In the example of Fig. 9, the display state of the display area 300 is a full screen display state for the idle state. An advertisement for a bank is displayed in the full screen upper display area 331. An indication encouraging a touch on the display area 300 is displayed in the full screen lower display area 332.

[0098] Fig. 10A is a diagram showing an example of the display content of the transaction start screen in step S512. In the example of Fig. 10A, the display state of the display area 300 is a split display state in which the transaction display area 310 is located at the normal position. In the transaction display area 310, buttons for starting various transactions and buttons related to transactions including a cancel button are displayed.

[0099] Advertisements, logos, etc. of participating financial institutions are displayed in upper background display area 321. A display indicating that some functions of ATM 100 are restricted (deposit of 1,000 yen bills is not possible) and button 323 are displayed in lower background display area 322.

[0100] In order to prevent operational errors by the user, it is desirable that the display position of button 323 be at least a predetermined distance (e.g., 20 cm or more) away from the display positions of other buttons (especially buttons related to transactions in transaction display area 310).

[0101] In addition, in order to prevent a right-handed user from accidentally touching button 323 with the cuff of the user's clothing when operating a button in transaction display area 310, it is desirable for the display position of button 323 to be located to the left of the center in the horizontal direction of transaction display area 310.

[0102] Fig. 10B is a diagram showing an example of the display content of the transaction start screen in step S512. In the example of Fig. 10B, the display state of the display area 300 is a split display state in which the transaction display area 310 is located at the bottom.

[0103] The display contents in the transaction display area 310, upper background display area 321, and middle background display area 324 in Fig. 10B are similar to the display contents in the transaction display area 310, upper background display area 321, and lower background display area 322 in Fig. 10A, respectively. However, in the middle background display area 324, a button 325 is displayed instead of the button 323.

[0104] In order to prevent operational errors by the user, it is desirable that the display position of button 325 be at least a predetermined distance (e.g., 20 cm or more) away from the display positions of other buttons (especially buttons related to transactions in transaction display area 310).

[0105] In addition, in order to make it easier for the user to find button 325 when the split display state in which transaction display area 310 is in the normal position is switched to a split display state in which transaction display area 310 is in the lower position, it is desirable that the display position of button 325 is located to the right of the center in the horizontal direction of transaction display area 310, similar to button 323. On the other hand, in order to prevent a right-handed user from accidentally touching the button in transaction display area 310 with the cuff of the user's clothing when raising his / her right hand to operate button 325, the display position of button 325 may be located to the right of the center in the horizontal direction of transaction display area 310.

[0106] Fig. 11 is a diagram showing an example of the display content of the medium return screen for banknote return in the split display state in step S604. In step S604, since the transaction can be executed (continued) without returning to the transaction start guidance state, the display state of the display area 300 is the split display state (with the transaction display area 310 located at the normal position). The display contents in the upper background display area 321 and the lower background display area 322 are the same as those in Fig. 8A and the like.

[0107] A display is displayed in the transaction display area 310 to guide the user to remove the banknotes from the banknote slot 105. In step S509, the display in the transaction display area 310 in Fig. 12 is changed to a display instructing the user to remove the card from the card / statement slot 103, and the display is displayed in a split display state. By displaying the medium return screen in a split display state when the transaction can be continued, it is possible to both guide the user to return the medium and improve the appealing effect of advertisements, etc.

[0108] 12A is a diagram showing an example of the display content of the medium return screen for returning banknotes in the full-screen display state in step S712. In the full-screen display area 333, a list of items to be returned 1201 and an image 1202 of the banknotes, which are the medium being returned in step S712, are displayed.

[0109] Images of the media to be returned and the media that have been returned by the end of the transaction are displayed in return item list 1201. Because the bills are returned in step S712 and the cards and receipts are returned in the following step S713, images of the bills, cards, and receipts are displayed in return item list 1201 in Fig. 12A.

[0110] In this way, the return item list 1201 displays not only images of the media being returned but also images of the media to be returned subsequently, thereby preventing the user from forgetting to pick up the media to be returned.

[0111] A video is displayed in which a bill image 1202 moves toward an area 1203 below the center of the full-screen display area 333 (for example, the area 1203 includes the bottom edge of the full-screen display area 333). The initial position of the bill image 1202 and the position of the area 1203 (i.e., the direction of movement of the card image 1205 and the receipt image 1206 in the video) are determined so that the bill slot 105 from which the bill being returned is discharged is located where the area 1203 is projected from the initial position where the bill image 1202 is displayed (i.e., in the direction of movement of the bill image 1202 in the video). This allows the user to easily grasp the position of the mechanism that discharges the media being returned, and allows the user to smoothly receive the media being returned.

[0112] 12B is a diagram showing an example of the display content of the medium return screen for returning the card and receipt in the full screen display state in step S713. In the full screen display area 333, a return item list 1201, and an image 1205 of the card, which is the medium being returned in step S712, and an image 1206 of the receipt are displayed.

[0113] 12B shows images of the bill, card, and receipt in the return items list 1201 because the card and receipt were returned in step S713 and the bill was returned in the immediately preceding step S712. Also, a check mark 1204 is displayed superimposed on the image of the returned medium in the return items list 1201. In the example of FIG. 12B, the bill has been returned, so the check mark 1204 is displayed superimposed on the image of the bill in the return items list 1201.

[0114] In this way, in the return item list 1201, a check mark 1204 is superimposed on the image of the returned medium, and images of the media to be subsequently returned are also displayed, allowing the user to easily distinguish between media that are being returned and media that has already been returned.

[0115] A video is displayed in which a card image 1205 and a receipt image 1206 move toward a lower area 1207 (for example, area 1207 includes the bottom edge of full screen display area 333) near the center of full screen display area 333. The initial position and the position of area 1207 (i.e., the direction of movement of card image 1205 and receipt image 1206 in the video) are determined so that the card / receipt slot 103 from which the medium being returned, the card and receipt, are ejected is located at the point where area 1207 is projected from the initial position where card image 1205 and receipt image 1206 are displayed (i.e., in the direction of movement of card image 1205 and receipt image 1206 in the video). This allows the user to easily grasp the position of the mechanism that ejects the medium being returned, and allows the user to smoothly receive the medium being returned.

[0116] In steps S507, S611, S615, S616, S708, S715, and S716, the images in the return item list 1201, the images of the media being returned, and videos are displayed in full screen mode as shown in Figures 12A and 12B, in a manner corresponding to each process.

[0117] Specifically, for example, in steps S507 and S708, an image of the card is displayed in the return item list 1201, an image of the card 1205 is displayed as an image of the medium being returned, and a video of the card image 1205 moving toward area 1207 is displayed.

[0118] Also, for example, in step S611, a card image and a receipt image are displayed in return item list 1201, a card image 1205 and a receipt image 1206 are displayed as images of the medium being returned, and a video of card image 1205 and receipt image 1206 moving toward area 1207 is displayed.

[0119] Also, for example, in steps S615 and S715, an image of a banknote and an image of a card are displayed in the return item list 1201, an image of a banknote 1202 is displayed as an image of the medium being returned, and a video of the banknote image 1202 moving toward area 1203 is displayed.

[0120] Also, for example, in steps S616 and S716, an image of a banknote and an image of a card are displayed in the return items list 1201, a check mark 1204 indicating that the banknote has been returned is superimposed on the image of the banknote in the return items list 1201, an image of a card 1205 is displayed as an image of the medium being returned, and a video of the card image 1205 moving towards area 1207 is displayed.

[0121] The present invention is not limited to the above-mentioned embodiment, and various modifications are included. For example, the above-mentioned embodiment has been described in detail to clearly explain the present invention, and is not necessarily limited to those having all the configurations described. It is also possible to replace a part of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add the configuration of another embodiment to the configuration of one embodiment. It is also possible to add, delete, or replace a part of the configuration of each embodiment with another configuration.

[0122] In addition, the above-mentioned configurations, functions, processing units, processing means, etc. may be realized in part or in whole by hardware, for example, by designing them as integrated circuits. In addition, the above-mentioned configurations, functions, etc. may be realized in software by a processor interpreting and executing a program that realizes each function. Information such as the program, table, file, etc. that realizes each function can be stored in a memory, a recording device such as a hard disk or SSD (Solid State Drive), or a recording medium such as an IC card, SD card, or DVD.

[0123] In addition, the control lines and information lines shown are those that are considered necessary for the explanation, and not all control lines and information lines in the product are necessarily shown. In reality, it can be considered that almost all components are connected to each other. [Explanation of symbols]

[0124] 100 ATM, 101 display screen, 103 card / statement slot, 105 bill slot, 110 CPU, 111 transaction pre-start processing section, 112 transaction processing section, 113 full screen display control section, 114 split display control section, 115 background display control section, 116 transaction display control section, 120 memory, 130 auxiliary storage device, 131 background display information, 132 transaction display information, 133 full screen display information, 140 communication device, 310 transaction display area, 321 upper background display area, 322 lower background display area, 323 button, 324 middle background display area, 325 button, 331 full screen upper display area, 332 full screen background display area, 333 full screen display area

Claims

1. An automated transaction device, A processor, a memory, and a display device; the memory holds display information indicative of a transaction display relating to a transaction and operations for the transaction, and a background display; The processor, Dividing a display area in the display device into a plurality of display areas including a transaction display area in which the transaction display is displayed and a background display area in which the background display is displayed, and controlling display of each of the plurality of display areas; Displaying a display position change button in the background display area; An automatic transaction device that changes the vertical display position of the transaction display area based on an operation on the display position change button.

2. 2. The automated transaction device according to claim 1, The processor, a first display state in which the background display area is displayed below the transaction display area, and a first display position change button included in the display position change button is displayed in the background display area; a second display state in which the background display area is displayed above the transaction display area, and a second display position change button included in the display position change button is displayed in the background display area; When the first display position change button is operated in the first display state, the display state is changed to the second display state; An automatic transaction device that changes to the first display state when the second display position change button is operated in the second display state.

3. 2. The automated transaction device according to claim 1, The processor, displaying operation buttons for the transaction in the transaction display area; The display position change button and the operation button are displayed at positions spaced apart by a predetermined distance or more.

4. 2. The automated transaction device according to claim 1, the display information indicates a display of a full-screen display area which is an entire display area of ​​the display device, The processor, a split display state in which a display area of ​​the display device is divided into the plurality of display areas and display of each of the plurality of display areas is controlled; a full-screen display state in which the display of the full-screen display area is controlled collectively without dividing the display area of ​​the display device, and a full-screen display state in which the display of the full-screen display area is controlled collectively in accordance with a predetermined rule.

5. 5. The automated transaction device according to claim 4, an acceptance port for accepting a medium used in the transaction; and an outlet for discharging the medium, The processor, displaying operation buttons for the transaction in the transaction display area; executing the transaction based on the medium received through the receiving slot and the operation of the operation button; When the transaction is completed, a medium return display indicating that the received medium will be discharged from the discharge port is displayed in the full-screen display area in the full-screen display state.

6. 6. The automated transaction device according to claim 5, The processor, When the transaction is not completed and the accepted media is discharged from the discharge outlet, a media return display indicating that the accepted media will be discharged from the discharge outlet is displayed in the transaction display area in the split display state.

7. 6. The automated transaction device according to claim 5, When the processor completes the transaction, the processor displays a moving image of the received media on the media return display, the moving image showing the received media being moved; An automatic transaction device, wherein the moving direction is determined so that the ejection outlet is positioned on the moving direction of the image of the received medium in the video.

8. 6. The automated transaction device according to claim 5, when a first medium and a second medium are received through the receiving opening, the first medium is discharged from the discharge opening and then the second medium is discharged from the discharge opening; The processor, In the medium return display, a list showing the mediums to be returned is displayed; When completing the transaction, a first medium return display indicating that the first medium will be discharged from the discharge port is displayed in the full screen display area in the full screen display state, and then a second medium return display indicating that the second medium will be discharged from the discharge port is displayed in the full screen display area in the full screen display state; the list in the first medium return display indicates that the first medium and the second medium are the media to be returned; An automated transaction device, wherein the list in the second medium return display indicates that the first medium and the second medium are the media to be returned and that the first medium has already been returned.

9. A display control method for an automated transaction device, comprising: The automated transaction device has a processor, a memory, and a display device, the memory holds display information indicative of a transaction display relating to a transaction and operations for the transaction, and a background display; The display control method includes: the processor divides a display area on the display device into a plurality of display areas including a transaction display area in which the transaction display is displayed and a background display area in which the background display is displayed, and controls display of each of the plurality of display areas; The processor displays a display position change button in the background display area; A display control method in which the processor changes a vertical display position of the transaction display area based on an operation on the display position change button.

Images