Trading equipment and trading methods

Abstract

When conducting different transactions consecutively, the system improves customer convenience by allowing a card-first transaction to transition to a specific transaction, while also reducing the likelihood of cards being left idle during the card-first transaction process. [Solution] The trading device of the present invention comprises a display unit that displays a trading screen, an operation unit that receives user input, a card insertion / removal unit that inserts or ejects a card, and a control unit that controls the trading process, wherein the control unit transitions to a specific trading transaction when a card is inserted while the trading selection screen is displayed on the display unit.

Description

Technical Field

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[0001] The present invention relates to a transaction device, a transaction method, and a transaction program, and can be applied to an ATM (Automatic Teller Machine) installed in a financial institution or the like.

Background Art

[0002] In a conventional ATM, when a card is inserted while a transaction selection screen is being displayed, there is a technique for shifting to a transaction selection screen for card-first transactions.

[0003] For example, in Patent Document 1, it is described that while a transaction selection screen is being displayed, when a card is inserted in advance before a transaction selection key is selected (hereinafter referred to as "card first"), a screen including a quick withdrawal key is displayed.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] <​​​​​​​ Furthermore, even at financial institutions that offer card-first transactions, as mentioned above, when conducting consecutive transactions, customers may not notice that the returned card has been sucked into the card slot and leave the ATM with the card still in the card holder.

[0008] Therefore, especially when conducting different transactions consecutively, there is a need for transaction devices and methods that improve customer convenience by transitioning to a specific transaction through a card-first transaction, and that can reduce card inactivity during card-first transactions. [Means for solving the problem]

[0009] To solve these problems, the first trading device of the present invention comprises (1) a display unit that displays a trading screen, (2) an operation unit that accepts user operations, (3) a card insertion / removal unit that inserts or ejects cards, and (4) a control unit that controls the trading process, and (5) the control unit is characterized in that it transitions to a specific trading transaction when a card is inserted while the trading selection screen is displayed on the display unit.

[0010] The second transaction method of the present invention is a transaction method for a transaction device comprising a display unit that displays a transaction screen, an operation unit that receives user operations, a card insertion / removal unit that inserts or ejects a card, and a control unit that controls transaction processing, characterized in that (1) the display unit displays a transaction selection screen, and (2) the control unit transitions to a specific transaction when a card is inserted from the card insertion / removal unit while the transaction selection screen is being displayed on the display unit. [Effects of the Invention]

[0011] According to the present invention, by transitioning to a specific transaction during a card-first transaction, customer convenience can be improved, and card inactivity during card-first transactions can be reduced. [Brief explanation of the drawing]

[0012] [Figure 1] This is a flowchart showing the processing operation of the trading method in the automated trading device of the first embodiment. [Figure 2] This is an external configuration diagram showing the external configuration of an automated trading device according to the first embodiment. [Figure 3] This diagram shows an overview of the trading system according to the first embodiment, and a configuration diagram showing the internal configuration of the automated trading device 10. [Figure 4] This is a screen diagram (part 1) showing an example of a display screen displayed on the operation display unit of an automated trading device in the trading method of the first embodiment. [Figure 5] This is a screen diagram (part 2) showing an example of a display screen displayed on the operation display unit of the automated trading device in the trading method of the first embodiment. [Figure 6] This is a flowchart showing the processing operation of the trading method in the automated trading device of the second embodiment. [Figure 7] This is a screen diagram (part 1) showing an example of a display screen displayed on the operation display unit of an automated trading device in the trading method of the second embodiment. [Figure 8] This is a screen diagram (part 2) showing an example of a display screen displayed on the operation display unit of the automated trading device in the trading method of the second embodiment. [Figure 9] This is a screen diagram (part 3) showing an example of a display screen displayed on the operation display unit of the automated trading device in the trading method of the second embodiment. [Modes for carrying out the invention]

[0013] (A) First Embodiment In the following, a first embodiment of the trading device and trading method according to the present invention will be described in detail with reference to the drawings.

[0014] (A-1) Configuration of the first embodiment (A-1-1) External configuration of the automated trading device Figure 2 is an external configuration diagram showing the external configuration of the automated trading device according to the first embodiment.

[0015] In Figure 2, the automated transaction device 10 includes a housing 11, a passbook slot 12, a card slot 13, a statement output slot 14, a banknote slot 15, a coin slot 16, and an operation display unit 17.

[0016] The automatic transaction device 10 is a transaction device that performs a predetermined transaction by customer operation. Here, an explanation will be given assuming that the automatic transaction device 10 is, for example, an ATM installed in a store of a financial institution, a store of a retail store such as a convenience store, a station, an airport, or the like.

[0017] The card insertion / exit port 13 is a part that accepts the insertion of a card 52 (see FIG. 3) such as a cash card or a credit card used for a transaction and returns (ejects) it.

[0018] The passbook insertion / exit port 12 is a part that accepts the insertion of a passbook 51 (see FIG. 3) and returns (ejects) it. The statement slip discharge port 14 is a part that discharges a statement slip on which information regarding the transaction is printed.

[0019] The bill insertion / exit port 15 is a part that accepts the insertion of bills related to the transaction and discharges them. The coin insertion / exit port 16 is a part that accepts the insertion of coins related to the transaction and discharges them.

[0020] The operation display unit 17 is, for example, a display having a touch panel function. The operation display unit 17 displays, for example, a transaction selection screen (hereinafter also referred to as the "customer waiting screen" or the "transaction selection screen") and a screen for the progress of the selected transaction, and accepts input operations by the customer.

[0021] Here, the case where the operation display unit 17 is a touch panel type display is exemplified, but it is not limited thereto. For example, physical keys other than the touch panel, or a separately provided display or touch panel (auxiliary display unit, etc.) may be provided, and these are also included in the operation display unit 17.

[0022] (A-1-2) Internal configuration of the automatic transaction device FIG. 3 is a configuration diagram showing an outline of a transaction system according to the first embodiment and an internal configuration of the automatic transaction device 10.

[0023] In Figure 3, the trading system 100 includes an automated trading device 10 and a host server 20, both of which are connectable to the network NT. The automated trading device 10 performs transactions selected by the customer while exchanging transaction-related messages with the host server 20.

[0024] The transaction messages are the same as existing transaction messages, and the transaction request message that the automated trading device 10 sends to the host server 20 includes the transaction type, account name, account number, transaction amount, etc. The transaction response message that the host server 20 sends to the automated trading device 10 includes whether or not the transaction response is possible, etc.

[0025] In Figure 3, the automated transaction device 10 includes a control unit 1, a passbook processing unit 2, a card processing unit 3, a statement processing unit 4, a banknote deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, a storage unit 7, and a communication unit 8.

[0026] The configuration of the automated trading device 10 is not limited to the configuration illustrated in Figure 3. For example, it may be equipped with a two-dimensional code reader for reading two-dimensional codes optically or magnetically, such as QR codes (registered trademark). The automated trading device 10 may also be equipped with a short-range wireless communication unit, such as NFC (Near Field Communication) or Bluetooth (registered trademark), for short-range wireless communication with the customer's mobile terminal (e.g., a smartphone). Furthermore, the automated trading device 10 may be equipped with, for example, a human presence sensor or a sensor that detects the customer's hand contact on the operation display unit 17, in order to detect the presence of a customer. The automated trading device 10 may also be equipped with an imaging unit (e.g., a camera) for capturing images of fingerprints, irises, faces, etc., for biometric authentication such as fingerprint, iris, or facial recognition, and may be capable of biometric authentication processing. The automated trading device 10 may also be equipped with optical character recognition (OCR) means for reading an image of one side of a document and processing transactions.

[0027] The control unit 1 is a processing unit or device that manages various functions of the automated trading device 10. The control unit 1 has, for example, a CPU, ROM, RAM, EEPROM, input / output interface, etc., and various functions of the automated trading device 10 are realized when the control unit 1 executes a processing program (for example, a trading program, etc.).

[0028] The control unit 1 performs predetermined transaction processing such as cash withdrawal transactions (banknotes and coins), cash deposit transactions into the customer's account, transfer transactions such as transfers from the customer's account to a designated account or cash transfers, balance inquiries, passbook updates, and transfer transactions.

[0029] Furthermore, while the transaction selection screen is displayed, the control unit 1 performs a card-first transaction when a card is inserted, prior to the selection of a key. A detailed explanation of the card-first transaction will be provided in the operation section.

[0030] The memory unit 7 stores processing programs related to transactions, data necessary for processing by the control unit 1, and transaction-related information obtained from the processing by the control unit 1.

[0031] The communication unit 8 exchanges information, including transaction messages, with the host server 20 via the network NT. The communication control (communication protocol) via the network NT is not particularly limited, and the Internet Protocol (IP) or the like can be applied.

[0032] The passbook processing unit 2 reads passbook information from the recording medium (e.g., magnetic stripe, etc.) attached to the passbook 51 inserted through the passbook insertion / exit 12 and provides it to the control unit 1, or records transaction information in the passbook and ejects it to the passbook insertion / exit 12.

[0033] The card processing unit 3 reads card information from the recording medium (e.g., magnetic stripe, IC card, etc.) attached to the card (e.g., cash card, credit card, etc.) 52 inserted from the card entry / exit 13 and provides it to the control unit 1, or ejects the card to the card entry / exit after the transaction is completed.

[0034] The statement processing unit 4 prints transaction information onto a medium (e.g., paper) and discharges the statement from the statement output port 14. The statement processing unit 4 prints information such as the transaction date, transaction type, transaction amount, and balance.

[0035] The banknote deposit / discharge unit 5, during deposit processing, performs authentication and counting of banknotes inserted from the banknote input / output 15 and transports them to cassettes for each denomination. During withdrawal processing, it dispenses the banknotes to be withdrawn from the cassettes for each denomination and ejects them from the banknote input / output 15.

[0036] The coin deposit / withdrawal unit 6, during deposit processing, performs authentication and counting of coins inserted from the coin entry / exit port 16 and transports them to cassettes sorted by denomination. During withdrawal processing, it dispenses the coins to be withdrawn from the cassettes sorted by denomination and discharges them from the coin entry / exit port 16.

[0037] The host server 20 is an accounting host server that connects to the network NT and performs predetermined transaction processing such as deposit processing and withdrawal processing. The host server 20 is connected to multiple automated trading devices 10 via the network NT and communicates with each automated trading device 10. The host server 20 also manages the storage device 21.

[0038] The storage device 21 stores customer information, including account information and transaction history. Account information includes, for example, the account holder's name, financial institution, branch name, account number, deposit amount (balance information), and PIN.

[0039] (A-2) Operation of the first embodiment Figure 1 is a flowchart showing the processing operation of a trading method in the automated trading device 10 of the first embodiment.

[0040] Figures 4 and 5 are screen diagrams showing examples of display screens displayed on the operation display unit 17 of the automated trading device 10 in the trading method of the embodiment.

[0041] The following example illustrates a case where the automated trading device 10 performs different trades consecutively.

[0042] For example, if a customer performs a "transfer transaction" and then immediately performs a "withdrawal transaction," the automated transaction device 10 will perform a card-first transaction during that "withdrawal transaction."

[0043] In other words, for the first transfer transaction, the customer proceeds with the transaction using the existing transfer procedure, and after the transfer is completed, the card is returned to the card slot 13, which the customer then pushes in to insert the card and perform a "withdrawal transaction."

[0044] Therefore, unless otherwise specified, the following transaction procedures will be handled as a "withdrawal transaction" performed after the transfer.

[0045] [S101, S102] In the automated trading device 10, a trading selection screen including selection keys for selecting various types of trading is displayed on the operation display unit 17 (S101).

[0046] Figure 4(A) is a screenshot of the transaction selection screen displayed in S101.

[0047] For example, when a customer performs the "bank transfer transaction" they initially requested, they select the "bank transfer" key on the transaction selection screen 30 in Figure 4(A). That is, no card is inserted into the card slot 13 (S102 / no insertion), and the customer selects the "bank transfer" key on the transaction selection screen 30 (S113). In this case, the system proceeds to S114 to perform the selected transaction.

[0048] On the other hand, for example, if a customer performs a withdrawal transaction immediately after a transfer transaction, the returned card is ejected to the card slot 13 after the transfer. Some customers may want to perform the next transaction immediately and may insert the card before pressing the transaction selection key. In this case, customers who want to perform the next transaction quickly push the card that has been ejected to the card slot 13 and insert the card into the card slot 13 (S102 / insertion).

[0049] [S103, S104, S105] When the transaction selection screen 30 is displayed (S101), if a card is inserted into the card slot 13 (S102), a card-first transaction mode is performed, the waiting screen 31 shown in Figure 4(B) is displayed (S103), and the system proceeds to a pre-configured specific transaction (S104).

[0050] The card processing unit 3 then reads card information from the recording medium (e.g., IC chip, magnetic stripe, etc.) attached to the inserted card and provides it to the control unit 1 (S105). The card information includes information such as the financial institution, branch name, account number, and account holder's name.

[0051] In this embodiment, we illustrate the case where the specific transaction that transitions in the card-first transaction mode is a "withdrawal transaction." While "withdrawal transactions" were chosen as the specific transaction because they are frequently used by customers, the invention is not limited to this; other transactions such as transfers, passbook entries, and balance inquiries may also be designated as specific transactions.

[0052] When transitioning to a specific transaction, the waiting screen 31, as illustrated in Figure 4(B), is displayed on the operation display unit 17, informing the customer that the transaction is continuing. This prevents the customer from leaving the automated trading device 10. Since the withdrawal transaction screen is displayed after the waiting screen, it becomes less likely that the customer will not realize that a transaction is in progress. If there is no delay before the withdrawal transaction screen is displayed, the display of the waiting screen may be omitted.

[0053] [S106] When the transaction transitions to a "withdrawal transaction" as a card-first transaction and the card information is read (S105), the PIN entry screen 32, as illustrated in Figure 5(A), is displayed on the operation display unit 17, and the customer enters their PIN on the PIN entry screen 32 (S106).

[0054] The PIN entry screen 32 in Figure 5(A) includes a guidance section 321 that displays messages such as "Please open and insert your passbook. If you do not have one, please enter your PIN," a cancellation key 322 for canceling the current transaction, a key input section 323, and a key display section 324.

[0055] [S107] Next, the transaction amount input screen 33, illustrated in Figure 5(B), is displayed on the operation display unit 17, and the customer enters the withdrawal amount on the transaction amount input screen 33 (S107).

[0056] The transaction amount input screen 33 in Figure 5(B) includes a guidance section 331 that reads "Please enter the amount. If correct, please press Confirm," a cancel key 332 to cancel the current transaction, a key input section 333, a key display section 334, a confirmation key 335, and a correction key 336 to correct the entered amount.

[0057] [S108] In the automated transaction device 10, the control unit 1 creates a transaction request message that includes information contained in the card information, the selected transaction type (in this case, identification information indicating "withdrawal transaction"), the PIN, etc., and sends the transaction request message to the host server 20 to perform host communication (S108). Although not shown in the figures, a communication screen may be displayed on the operation display unit 17 to inform the customer that host communication is in progress for a withdrawal transaction.

[0058] The host server 20 determines whether to permit the transaction based on the received transaction request message. If it permits the transaction, it creates a response message that includes transaction permission. On the other hand, if it does not permit the transaction, it creates a response message that includes transaction denial, and sends one of these response messages back to the automated trading device 10.

[0059] [S109] Upon receiving a response message from the host server 20, the automated trading device 10's control unit 1 analyzes the response message. If the transaction is permitted (S109 / YES), the process proceeds to S110; if the transaction is not permitted (S109 / NO), the process proceeds to S111.

[0060] [S110, S111, S112] If the response message is a transaction permission (S109 / YES), the control unit 1 controls the banknote deposit / discharge unit 5 to count the banknotes of the withdrawal amount and discharge them from the banknote deposit / discharge port 15 (S110), while the card processing unit 3 discharges the card from the card deposit / discharge port 13 (S111). After detecting that the banknotes and card have been received by the customer, the automated transaction device 10 displays the transaction selection screen on the operation display unit 17 and waits for the customer (S112).

[0061] On the other hand, if the response message indicates that the transaction is not permitted (S109 / NO), a screen indicating that the withdrawal transaction cannot be performed is displayed on the operation display unit 17, and the card processing unit 3 ejects the card from the card entry / exit 13 under the control of the control unit 1 (S111). After detecting that the card has been received by the customer, the automatic transaction device 10 displays the transaction selection screen on the operation display unit 17 and waits for the customer (S112).

[0062] [S113, S114, S115] The processing from S113 onwards is not a card-first transaction processing, but rather the processing of an existing transaction procedure when a key is selected on the transaction selection screen 30.

[0063] If no card is inserted in S102 (S102 / No Insertion), and the customer selects the "Bank Transfer" key on the transaction selection screen 30 (S113), the transaction processing will proceed as before. That is, the process will move to the selected transaction (S114), the procedure screen for the selected transaction will be displayed on the operation display unit 17, and the customer will be guided by the instructions to process the selected transaction (S115).

[0064] After the transaction is completed, the automated trading device 10 displays the transaction selection screen on the operation display unit 17 and waits for the customer (S112).

[0065] (A-3) Effects of the first embodiment As described above, according to the first embodiment, when operating an ATM (automated cash transaction machine) installed in a financial institution, etc., with a customer card inserted into the card slot, the screen changes when the card is inserted first. This prevents the customer from leaving the ATM with the card still in hold without realizing that the card has been inserted first, and makes it possible to make a payment.

[0066] Furthermore, according to the first embodiment, it is possible to handle the situation while minimizing the impact on ATM programs by integrating the transaction into the existing payment flow.

[0067] (B) Second Embodiment Next, a second embodiment of the trading device and trading method of the present invention will be described in detail with reference to the drawings.

[0068] (B-1) Configuration of the second embodiment The automated trading device of the second embodiment is referred to as "automated trading device 10A". The external and internal configurations of the automated trading device 10A of the second embodiment are basically the same as those of the automated trading device 10 of the first embodiment.

[0069] Therefore, in the second embodiment, we will use Figures 2 and 3 of the first embodiment, and, if necessary, we will also use the screen diagrams in Figures 4(A), 4(B), 5(A), and 5(B) for explanation.

[0070] (B-2) Operation of the second embodiment Figure 6 is a flowchart showing the processing operation of the trading method in the automated trading device 10A of the second embodiment.

[0071] Figures 7 to 9 are screen diagrams showing examples of display screens displayed on the operation display unit 17 of the automated trading device 10A in the trading method of the second embodiment.

[0072] In the second embodiment, if a customer performs a "transfer transaction" and then a "withdrawal transaction" consecutively, the automated transaction device 10A performs a card-first transaction during the "withdrawal transaction."

[0073] [S201, S202, S203] In the automated trading device 10A, a trading selection screen including selection keys for selecting various types of trading is displayed on the operation display unit 17 (S201).

[0074] For example, when the customer first wants to make a "bank transfer transaction," no card is inserted (S202 / no insertion). When the customer selects the "bank transfer" key on the transaction selection screen 30 in Figure 4(A), the process moves to S218 and the bank transfer transaction is performed.

[0075] For example, if a customer then makes a withdrawal transaction after a transfer transaction, the customer pushes the card that has been ejected from the card slot 13 into the card slot 13 after the transfer (S202 / insertion). Once the card-first transaction begins, the specific transaction transition confirmation screen 35, as illustrated in Figure 7, is displayed on the operation display unit 17 (S203).

[0076] The Specific Transaction Transition Confirmation Screen 35 informs the customer that the transaction will be transitioned to a specific transaction (in this example, a "withdrawal transaction") as a card-first transaction processing, and allows the customer to select to transition to or cancel a different transaction other than the specific transaction.

[0077] For example, as illustrated in Figure 7, the specific transaction transition confirmation screen 35 has a guidance section 351 that indicates that the specific transaction will be performed as a card-first transaction, such as "The card has been inserted first, so the transaction will now proceed to a withdrawal transaction."

[0078] For example, the specific transaction transition confirmation screen 35 has a "Confirm" key 353, a "Cancel" key 354, and a "Other Transaction" key 355, and includes an operation guidance section 352 that reads, for example, "If you agree, please press "Confirm". If you wish to cancel the transaction, please press "Cancel". If you wish to proceed with a different transaction, please press "Other Transaction".

[0079] (B-2-1) Processing when a confirmation key is selected On the Specific Transaction Transition Confirmation Screen 35, if the "Confirm" key 353 is selected, a card-first specific transaction (in this example, a "Withdrawal Transaction") is performed. In this case, the same process as S103 to S112 in Figure 1 is performed.

[0080] [S204, S205, S206] For example, the waiting screen 31 shown in Figure 4(B) is displayed (S204), and the system proceeds to a pre-configured specific transaction (withdrawal transaction) (S205).

[0081] Then, the card processing unit 3 reads the card information from the recording medium (e.g., IC chip, magnetic stripe, etc.) attached to the inserted card and provides it to the control unit 1 (S206).

[0082] [S207] When the transaction transitions to a "withdrawal transaction" as a card-first transaction and the card information is read (S206), the PIN entry screen 32, as illustrated in Figure 5(A), is displayed on the operation display unit 17, and the customer enters their PIN on the PIN entry screen 32 (S207).

[0083] [S208] Next, the transaction amount input screen 33, illustrated in Figure 5(B), is displayed on the operation display unit 17, and the customer enters the withdrawal amount on the transaction amount input screen 33 (S208).

[0084] [S209] In the automated transaction device 10A, the control unit 1 creates a transaction request message that includes the information contained in the card information, the selected transaction type (in this case, identification information indicating "withdrawal transaction"), the PIN, etc., and sends the transaction request message to the host server 20 to perform host communication (S209).

[0085] The host server 20 determines whether to permit the transaction based on the received transaction request message. If it permits the transaction, it creates a response message that includes transaction permission. On the other hand, if it does not permit the transaction, it creates a response message that includes transaction denial, and sends one of these response messages back to the automated trading device 10A.

[0086] [S210] Upon receiving a response message from the host server 20, the automated trading device 10A analyzes the response message. If the transaction is permitted (S210 / YES), the process proceeds to S211; if the transaction is not permitted (S210 / NO), the process proceeds to S212.

[0087] [S211, S212, S213] If the response message is a transaction permission (S210 / YES), the control unit 1 controls the banknote deposit / discharge unit 5 to count the banknotes of the withdrawal amount and discharge them from the banknote deposit / discharge port 15 (S211), while the card processing unit 3 discharges the card from the card deposit / discharge port 13 (S212). After detecting that the banknotes and card have been received by the customer, the automatic transaction device 10A displays the transaction selection screen on the operation display unit 17 and waits for the customer (S213).

[0088] On the other hand, if the response message indicates that the transaction is not permitted (S210 / NO), a screen indicating that the withdrawal transaction cannot be performed is displayed on the operation display unit 17, and the card processing unit 3 ejects the card from the card entry / exit port 13 under the control of the control unit 1 (S212). After detecting that the card has been received by the customer, the automatic transaction device 10A displays a transaction selection screen on the operation display unit 17 and waits for the customer (S213).

[0089] (B-2-2) Processing when a different transaction key is selected [S214] When the "Other Transaction" key 355 is selected on the Specific Transaction Transition Confirmation Screen 35, the Other Transaction Selection Screen 36, as illustrated in Figure 8, is displayed on the Operation Display Unit 17 (S214). This allows customers who wish to switch to a transaction other than the specific transaction, after being switched to a specific transaction via card payment, to switch to their desired transaction without having to cancel the transaction first.

[0090] As illustrated in Figure 8, the alternative transaction selection screen 36 allows users to select alternative transactions other than the specific transaction initiated by the card. This allows customers who wish to conduct transactions other than the specific transaction to select transactions with unnecessary transactions excluded.

[0091] For example, the alternative transaction selection screen 36 in Figure 8 is basically the same as the transaction selection screen 30 in Figure 4(A), but the difference is that the transaction selection keys 361 are removed from the screen in order to disable specific transactions (in this example, "withdrawal transactions") and transactions that do not use a card.

[0092] Disabling a transaction can be done in other ways, such as making it impossible to select the transaction, or by inverting the key to disable selection.

[0093] [S215, S216] If a transaction other than the specified transaction is selected by the customer on the alternative transaction selection screen 36, the system will proceed to the selected transaction (S215), the procedure screen for the selected alternative transaction will be displayed on the operation display unit 17, and the customer will be guided through the instructions to process the alternative transaction (S216).

[0094] Once the separate transaction is completed, the process moves to S212, where the card is ejected from the card entry / exit port 13 (S212), and the automated transaction device 10A displays the transaction selection screen on the operation display unit 17 and waits for a customer (S213).

[0095] (B-2-3) Processing when the Cancel key is selected [S217] When the "Cancel" key 354 is selected on the specific transaction transition confirmation screen 35, the card ejection screen 37, as illustrated in Figure 9, is displayed on the operation display unit 17 (S217).

[0096] The card ejection screen 37 shown in Figure 9 includes, for example, a guidance section 371 that reads "Please take your card," and an image 372 illustrating the card ejection process to help customers understand the process.

[0097] Subsequently, the process moves to S212, where the card is ejected from the card entry / exit port 13 (S212). After detecting that the card has been received by the customer, the automated transaction device 10A displays the transaction selection screen on the operation display unit 17 and waits for the customer (S213).

[0098] (B-2-4) Processing when no card is inserted [S218, S219, S220] The processing from S218 onwards is not a card-first transaction processing, but rather the processing of an existing transaction procedure when a key is selected on the transaction selection screen 30.

[0099] If no card is inserted in S202 (S202 / No Insertion), and the customer selects the "Bank Transfer" key on the transaction selection screen 30 (S218), the transaction processing will proceed as before. That is, the process will move to the selected transaction (S219), the procedure screen for the selected transaction will be displayed on the operation display unit 17, and the customer will be guided by the instructions to process the selected transaction (S220).

[0100] After the transaction is completed, the automated trading device 10A displays the transaction selection screen on the operation display unit 17 and waits for the customer (S213).

[0101] (B-2-5) Modified example of reading card information Here are some variations on how to read card information. In S206, S215, etc., the card processing unit 3 reads the card information after the card has been issued and the transaction has transitioned to a specific transaction or another transaction. However, the card processing unit 3 may also read the card information while the specific transaction transition screen is displayed in S203.

[0102] This allows you to narrow down the range of transactions, especially when switching to a different transaction (S215), by pressing the "Different Transaction" key 355. In other words, it reduces the number of transactions displayed on the different transaction selection screen 36 in Figure 8. For example, if the scanned result is a credit card, only "Credit Card Transactions" can be displayed.

[0103] Furthermore, if an ATM malfunctions after a card has been used, the card information can be stored within the ATM.

[0104] (B-3) Effects of the second embodiment As described above, the second embodiment provides the effects of the first embodiment, and when a card transaction is initiated, a specific transaction transition confirmation screen 35 is displayed to the customer, allowing them to choose whether to proceed to a withdrawal transaction, a different transaction, or cancel the transaction, thereby improving customer convenience. This allows the customer to select a desired transaction if the transaction initiated by the card transaction is not the desired one.

[0105] Furthermore, by reading card information while the specific transaction transition screen is displayed, it becomes possible to narrow down the transactions displayed on the transaction selection screen to only those that can be handled.

[0106] (C) Other embodiments Although various modified embodiments were mentioned in the first and second embodiments described above, the present invention can also be applied to the following modified embodiments.

[0107] (C-1) The flowcharts in Figures 1 and 6 are examples, and the order of processing and processes not shown may be added. For example, although inserting or ejecting passbooks, ejecting statement slips, and withdrawing coins are not explicitly shown in Figures 1 and 6, these processes are included as part of the existing flowchart.

[0108] (C-2) In the first and second embodiments described above, the example given was that the type of specific transaction performed in the card-first transaction mode is a "withdrawal transaction." However, the embodiment is not limited to this, and other transactions such as transfer transactions, balance inquiries, and passbook entries may also be used.

[0109] (C-3) The card-first transaction modes of the first and second embodiments described above illustrate cases where different transactions are performed consecutively, but they can also be applied when performing a single transaction. In that case, the specific transaction is not limited to a "withdrawal transaction," but may be other transactions such as a transfer transaction, balance inquiry, or passbook update. [Explanation of symbols]

[0110] 100... Trading system, NT... Network, 20... Host server, 21... Storage device, 10 and 10A...Automatic transaction device, 1...Control unit, 2...Passbook processing unit, 3...Card processing unit, 4...Statement slip processing unit, 5...Banknote deposit / withdrawal unit, 6...Coin deposit / withdrawal unit, 7...Storage unit, 8...Communication unit, 11...Housing, 12...Passbook deposit / exit, 13...Card deposit / exit, 14...Statement slip output, 15...Banknote deposit / exit, 16...Coin deposit / exit, 17...Operation display unit, 51...Passbook, 52...Card, 30...Transaction selection screen, 31...Waiting screen, 32...PIN entry screen, 321...Guidance section, 322...Cancel key, 323...Key input section, 324...Key display section, 33...Transaction amount input screen, 331...Information section, 332...Cancel key, 333...Key input section, 334...Key display section, 335...Confirmation key, 336...Correction key, 35...Specific Transaction Transition Confirmation Screen, 351...Information Section, 352...Operation Guide Section, 353...Confirmation Key, 354...Cancellation Key, 355...Other Transaction Key 36...Selection screen for other transactions, 361...Delete, 37...Card ejection screen, 371...Information section, 372...Image.

Claims

1. A display unit that shows the trading screen, A control unit that receives user input, A card insertion / removal section for inserting or ejecting cards, A control unit that controls transaction processing and Equipped with, The control unit will proceed to a specific transaction when the card is inserted while the transaction selection screen is displayed on the display unit. A trading device characterized by the following features.

2. The transaction device according to claim 1, characterized in that when the card is inserted while the transaction selection screen is being displayed, the control unit displays a specific transaction transition confirmation screen on the display unit to confirm the transition to the specific transaction with the user.

3. The control unit, Once the transition to the aforementioned specified transaction is confirmed, the transaction will proceed to the aforementioned specified transaction. If a transaction other than the specified transaction is desired, the alternative transaction selection screen will be displayed on the display unit. When the cancellation of the specified transaction is selected, the card is ejected from the card insertion / extraction unit. The trading device according to feature 2.

4. The trading device according to claim 3, characterized in that the control unit deletes, in the separate transaction selection screen, transaction keys that do not use a card from among a plurality of transaction keys.

5. The trading device according to any one of claims 1 to 4, characterized in that the control unit displays a waiting screen on the display unit indicating that the transition to the specified transaction is underway when the transition to the specified transaction is underway.

6. Equipped with a card processing unit, The transaction device according to claim 1, characterized in that the card processing unit reads card information from the recording medium of the inserted card after displaying a waiting screen indicating that the transition to the specific transaction is underway.

7. Equipped with a card processing unit, The transaction device according to claim 1, characterized in that the card processing unit reads card information from the recording medium of the inserted card while a waiting screen indicating that the transition to the specific transaction is in progress is being displayed.

8. A trading method for a trading device comprising a display unit for displaying a trading screen, an operation unit for receiving user operations, a card insertion / removal unit for inserting or ejecting cards, and a control unit for controlling the trading process, The aforementioned display unit displays a transaction selection screen, The control unit, while the transaction selection screen is being displayed on the display unit, will proceed to a specific transaction when the card is inserted into the card insertion / removal unit. A trading method characterized by the following features.

Images