JPH10149400A - Automatic transaction device - Google Patents
Automatic transaction deviceInfo
- Publication number
- JPH10149400A JPH10149400A JP30633196A JP30633196A JPH10149400A JP H10149400 A JPH10149400 A JP H10149400A JP 30633196 A JP30633196 A JP 30633196A JP 30633196 A JP30633196 A JP 30633196A JP H10149400 A JPH10149400 A JP H10149400A
- Authority
- JP
- Japan
- Prior art keywords
- automatic transaction
- wireless telephone
- user
- telephone set
- telephone
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000012545 processing Methods 0.000 claims abstract description 56
- 238000012790 confirmation Methods 0.000 claims abstract description 17
- 230000006854 communication Effects 0.000 claims abstract description 16
- 238000004891 communication Methods 0.000 claims abstract description 15
- 238000000034 method Methods 0.000 claims description 12
- 230000005540 biological transmission Effects 0.000 description 4
- 238000000151 deposition Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 3
- 238000007796 conventional method Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 239000004973 liquid crystal related substance Substances 0.000 description 2
- 238000012795 verification Methods 0.000 description 2
- 125000004122 cyclic group Chemical group 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephonic Communication Services (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】本発明は、キャッシュ・ディ
スペンサ(ＣＤ：Cash Dispenser）やエイ・ティ・エム
（ＡＴＭ：Automatic Teller Machine）など、利用者と
の現金等の取引処理を自動的に行う自動取引装置に係
り、特に、利用者の操作効率を向上させるのに好適な自
動取引装置に関するものである。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic teller machine such as a cash dispenser (CD) or an automatic teller machine (ATM) for automatically performing transaction processing such as cash with a user. BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction device, and more particularly to an automatic transaction device suitable for improving the operation efficiency of a user.
【０００２】[0002]
【従来の技術】従来、自動取引装置で入出金の操作を行
う場合、利用者は、自動取引装置の前まで出向き、クレ
ジットカード類を装置に挿入しキーボードやタッチパネ
ルなどの入力操作を行なっている。そのため、自動取引
装置側には、キーボードやタッチパネルなどの入力操作
部、ＣＲＴ（Cathode Ray Tube、陰極線管）やＬＣＤ
（Liquid Crystal Display、液晶パネル）などの表示
部、キャッシュカード類の読み取り部などが設けられて
いる。2. Description of the Related Art Conventionally, when performing a deposit and withdrawal operation using an automatic transaction apparatus, a user goes to the front of the automatic transaction apparatus, inserts a credit card into the apparatus, and performs an input operation using a keyboard, a touch panel, or the like. . Therefore, on the automatic transaction device side, input operation units such as a keyboard and a touch panel, CRT (Cathode Ray Tube, cathode ray tube) and LCD
(Liquid Crystal Display, liquid crystal panel), etc., a reading unit for cash cards and the like are provided.
【０００３】このような自動取引装置における操作性の
向上を図る従来技術としては、例えば、特開平６ー２１
５２３４号公報に記載の「現金自動取引装置」のよう
に、自動車免許証の番号をリードするＯＣＲリーダ機構
を設けたものがある。このことにより、利用者がクレジ
ットカード等の磁気カードを忘れた時などにも取引可能
となる。また、例えば、特開平７ー３２０１２４号公報
に記載の「暗証番号入力装置」のように、順次サイクリ
ツクに表示、または、音声発生される数字が特定された
時、その数字を用いて暗証番号を生成する技術がある。
この技術によれば、暗証番号の生成時に、第三者による
察知を防止でき、安全性を高めることができる。[0003] As a conventional technique for improving the operability of such an automatic transaction apparatus, for example, Japanese Patent Laid-Open No. Hei 6-21 is disclosed.
There is an apparatus provided with an OCR reader mechanism for reading an automobile license number, such as an "cash automatic transaction apparatus" described in Japanese Patent No. 5234. As a result, even when the user forgets a magnetic card such as a credit card, it is possible to make a transaction. Further, for example, when a number to be displayed in a cyclic manner or a voice-generated number is specified, such as a “password input device” described in JP-A-7-320124, the password is used to enter a password. There is a technology to generate.
According to this technology, it is possible to prevent a third party from detecting the personal identification number when it is generated, and to enhance security.
【０００４】また、例えば、特開平１−１２５６９９号
公報に記載の「自動取引処理システム」のように、自動
取引処理装置の操作エリアへの自動車の進入を制御する
技術がある。この技術によれば、自動車に乗ったまま、
ドライブスルー方式で、利用者が操作するシステムの効
率化が可能となる。しかし、これらの従来技術のいずれ
においても、利用者の操作形態は、上述したものと同じ
である。すなわち、利用者は、自動取引装置上に設けら
れたタッチパネルやボタン等を指などにより直接操作し
て、取引内容を入力している。そのため、装置側には、
上述の各デバイスを設ける必要がある。[0004] There is also a technique for controlling entry of an automobile into an operation area of an automatic transaction processing apparatus, such as an "automatic transaction processing system" described in Japanese Patent Application Laid-Open No. 1-125699. According to this technology, while in a car,
With the drive-through system, the efficiency of the system operated by the user can be increased. However, in any of these conventional techniques, the operation mode of the user is the same as that described above. That is, the user directly operates a touch panel, buttons, or the like provided on the automatic transaction apparatus with a finger or the like to input transaction contents. Therefore, on the device side,
It is necessary to provide each device described above.
【０００５】[0005]
【発明が解決しようとする課題】解決しようとする問題
点は、従来の技術では、利用者は、装置上に設けられた
タッチパネルやボタン等を指などにより直接操作して、
取引内容を入力しなければならない点である。本発明の
目的は、これら従来技術の課題を解決し、利用者の操作
性を向上させることを可能とすると共に、操作パネル関
連のデバイスを不要として装置構成の簡素化を可能とす
る自動取引装置を提供することである。The problem to be solved is that, in the prior art, a user directly operates a touch panel, a button, or the like provided on the apparatus with a finger or the like.
The point is that you have to enter the transaction details. SUMMARY OF THE INVENTION An object of the present invention is to solve these problems of the prior art, to improve the operability of a user, and to simplify an apparatus configuration by eliminating the need for an operation panel-related device. It is to provide.
【０００６】[0006]
【課題を解決するための手段】上記目的を達成するた
め、本発明の自動取引装置は、（１）利用者が操作する
無線電話機１との情報の送受信を電話交換機２を介して
行う通信処理部３ａと、この通信処理部３ａを介して無
線電話機１に操作案内情報を送出する案内情報送出部３
ｂと、通信処理部３ａで受信した無線電話機１からの操
作情報に基づき、対応する自動取引処理を行なう取引処
理部３ｃとを少なくとも有し、利用者による無線電話機
１の操作に基づき自動取引を行なうことを特徴とする。
また、（２）上記（１）に記載の自動取引装置におい
て、無線電話機１から通信処理部３ａに送られてきた暗
証番号を少なくとも含む音声情報を認識する音声認識部
３ｄを具備し、取引処理部３ｃは、音声認識部３ｄで認
識した音声情報に基づき、利用者の確認処理を含む自動
取引処理を行うことを特徴とする。また、（３）上記
（１）、もしくは、（２）のいずれかに記載の自動取引
装置において、接続された無線電話機１の電話番号が予
め登録済みであることを確認する番号確認部３ｅと、こ
の番号確認部３ｅによる確認後、無線電話機１に対する
コールバック処理を行うコールバック処理部３ｆとを具
備し、無線電話機１の所在の確認を行った後、取引処理
部３ｃによる自動取引処理を行うことを特徴とする。To achieve the above object, an automatic transaction apparatus according to the present invention comprises: (1) a communication process for transmitting and receiving information to and from a wireless telephone 1 operated by a user via a telephone exchange 2; Unit 3a, and a guide information sending unit 3 for sending operation guide information to the wireless telephone 1 via the communication processing unit 3a.
b, and at least a transaction processing unit 3c that performs a corresponding automatic transaction process based on the operation information from the wireless telephone 1 received by the communication processing unit 3a, and performs an automatic transaction based on the operation of the wireless telephone 1 by the user. It is characterized by performing.
(2) The automatic transaction apparatus according to (1), further including a voice recognition unit 3d for recognizing voice information including at least a password transmitted from the wireless telephone 1 to the communication processing unit 3a. The unit 3c performs an automatic transaction process including a user confirmation process based on the voice information recognized by the voice recognition unit 3d. (3) In the automatic transaction apparatus according to any one of (1) and (2), a number confirmation unit 3e for confirming that the telephone number of the connected wireless telephone 1 has been registered in advance. And a callback processing unit 3f for performing a callback process for the wireless telephone 1 after confirmation by the number confirmation unit 3e. After confirming the location of the wireless telephone 1, automatic transaction processing by the transaction processing unit 3c is performed. It is characterized by performing.
【０００７】[0007]
【発明の実施の形態】本発明の実施例を、以下、図面を
用いて詳細に説明する。図１は、本発明の自動取引装置
の本発明に係る構成およびそれを用いた自動取引システ
ムの一実施例を示すブロック図である。図１において、
１は利用者が操作する自動車電話や携帯電話あるいはＰ
ＨＳ等の無線電話機、２は無線電話機１を収容する電話
交換機、３は本発明に係る自動取引装置、４は専用線に
より自動取引装置３が接続されたホストコンピュータで
ある。無線電話機１には、ＬＣＤ等からなる表示部１ａ
と、押しボタン式のダイヤルキー１ｂが設けられてい
る。Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a block diagram showing an embodiment of an automatic transaction apparatus according to the present invention and an automatic transaction system using the same. In FIG.
1 is a car phone or mobile phone operated by the user or P
A wireless telephone such as an HS, 2 is a telephone exchange accommodating the wireless telephone 1, 3 is an automatic transaction device according to the present invention, and 4 is a host computer to which the automatic transaction device 3 is connected by a dedicated line. The wireless telephone 1 has a display unit 1a such as an LCD.
And a push button type dial key 1b.
【０００８】また、自動取引装置３には、無線電話機１
との情報の送受信を電話交換機２を介して行う通信処理
部３ａと、通信処理部３ａを介して無線電話機１に操作
案内情報を送出する案内情報送出部３ｂと、通信処理部
３ａで受信した無線電話機１からの情報に基づき対応す
る自動取引処理を行なう取引処理部３ｃと、無線電話機
１から通信処理部３ａに送られてきた暗証番号を少なく
とも含む音声情報を認識する音声認識部３ｄと、接続さ
れた無線電話機１の電話番号が予め登録済みであること
を確認する番号確認部３ｅと、この番号確認部３ｅによ
る確認後、無線電話機１に対するコールバック処理を行
うコールバック処理部３ｆと、専用線を介してセンタに
あるホストコンピュータ４との情報の送受信処理を行う
センタ接続処理部５と、現金の受け払い処理を行なう現
金処理部６とを具備し、現金の受け払い口７、および、
自動取引装置３の電話番号８が設けられている。The automatic transaction apparatus 3 has a wireless telephone 1
A communication processing unit 3a for transmitting and receiving information via the telephone exchange 2, a guidance information transmission unit 3b for transmitting operation guidance information to the wireless telephone 1 via the communication processing unit 3a, and a communication processing unit 3a A transaction processing unit 3c for performing a corresponding automatic transaction process based on information from the wireless telephone 1; a voice recognition unit 3d for recognizing voice information including at least a password transmitted from the wireless telephone 1 to the communication processing unit 3a; A number confirmation unit 3e for confirming that the telephone number of the connected wireless telephone 1 has been registered in advance, a callback processing unit 3f for performing a callback process for the wireless telephone 1 after confirmation by the number confirmation unit 3e; A center connection processing unit 5 for transmitting / receiving information to / from a host computer 4 at a center via a dedicated line, and a cash processing unit 6 for receiving / paying cash. And, and cash receipt and port 7,,
The telephone number 8 of the automatic transaction apparatus 3 is provided.
【０００９】このような構成により、自動取引装置３
は、以下に説明する動作により、利用者による無線電話
機１の操作に基づき自動取引を行なう。すなわち、利用
者は、自動取引装置３の電話番号８に従って無線電話機
１のダイヤルキー１ｂを押下して、自動取引装置３への
発呼操作を行う。このようにして、無線電話機１から自
動取引装置３へ発呼されと、電話交換機２は、自動取引
装置３を呼び出し、無線電話機１に接続する。With such a configuration, the automatic transaction apparatus 3
Performs an automatic transaction based on the operation of the wireless telephone 1 by the user by the operation described below. That is, the user presses the dial key 1 b of the wireless telephone 1 in accordance with the telephone number 8 of the automatic transaction apparatus 3 to perform a call operation to the automatic transaction apparatus 3. Thus, when a call is made from the wireless telephone 1 to the automatic transaction apparatus 3, the telephone exchange 2 calls the automatic transaction apparatus 3 and connects to the wireless telephone 1.
【００１０】接続された自動取引装置３は、まず、番号
確認部３ｅにより、センタ接続処理部５を介して、セン
タのホストコンピュータ４に、無線電話機１の電話番号
が予め登録済みであるか否かを問い合わせて確認する。
登録されていなければ無線電話機１との接続を切り、予
め登録済みの無線電話機１に対してのみ取引処理を行う
ことにより、登録されていない無線電話機１からの操作
はできない仕組としている。The connected automatic transaction apparatus 3 first checks whether the telephone number of the wireless telephone 1 has been registered in advance in the center host computer 4 via the center connection processing section 5 by the number confirmation section 3e. Ask for confirmation.
If the mobile phone 1 is not registered, the connection with the mobile phone 1 is cut off, and the transaction processing is performed only on the mobile phone 1 that has been registered in advance.
【００１１】番号確認部３ｅによる登録済みの無線電話
機１の確認に基づき、自動取引装置３は、案内情報送出
部３ｂを起動し、コールバックする旨の操作案内情報
を、通信処理部３ａを介して、電話交換機２経由で無線
電話機１に送出し、その後、無線電話機１との接続を切
る。そして、所定時間後、コールバック処理部３ｆを起
動して、無線電話機１をコールバックする。このコール
バック処理により、自動取引処理を行う前に、無線電話
機１の所在の確認できるので、例えば、当地にいない利
用者に現金の支払処理を行うといった事態を回避するこ
とができる。Based on the confirmation of the registered wireless telephone 1 by the number confirmation unit 3e, the automatic transaction apparatus 3 activates the guidance information transmission unit 3b and transmits operation guidance information to call back via the communication processing unit 3a. Then, the call is sent to the wireless telephone 1 via the telephone exchange 2, and then the connection with the wireless telephone 1 is cut off. Then, after a predetermined time, the callback processing unit 3f is activated to call back the wireless telephone 1. Since the location of the wireless telephone 1 can be confirmed before performing the automatic transaction processing by the callback processing, it is possible to avoid, for example, a situation in which cash payment processing is performed for a user who is not in the local area.
【００１２】コールバック先の無線電話機１と接続され
ると、自動取引装置３は、案内情報送出部３ｂにより通
信処理部３ａを介して、操作案内情報を電話交換機２そ
して無線電話機１に送出する。無線電話機１は、その操
作案内情報を表示部１ａに表示して、または、図示して
いないスピーカを介して音声で利用者に通知する。この
通知に基づき利用者は、ダイヤルキー１ｂの選択押下も
しくは音声により、取引内容や暗証番号などの入力操作
を行う。この入力操作は、電話交換機２を介して自動取
引装置３に送られ、自動取引装置３では、取引処理部３
ｃを起動し、取引処理部３ｃは、その内容に対応して、
センタ接続処理部５を介して、ホストコンピュータ４と
情報のやり取りを行う。When the automatic transaction apparatus 3 is connected to the call-back destination radio telephone 1, the automatic transaction apparatus 3 transmits the operation guidance information to the telephone exchange 2 and the radio telephone 1 by the guidance information transmission section 3b via the communication processing section 3a. . The wireless telephone 1 displays the operation guide information on the display unit 1a or notifies the user by voice through a speaker (not shown). Based on this notification, the user performs an input operation such as transaction details and a password by selecting and pressing the dial key 1b or by voice. This input operation is sent to the automatic transaction apparatus 3 via the telephone exchange 2, and in the automatic transaction apparatus 3, the transaction processing unit 3
c, and the transaction processing unit 3c responds to the content by
Information is exchanged with the host computer 4 via the center connection processing unit 5.
【００１３】この時、無線電話機１からの入力操作情報
が音声であれば、自動取引装置３は、音声認識部３ｄに
より、無線電話機１からの音声情報を認識し、利用者の
暗証番号の確認や取引金額の認識を行い、その結果に基
づき、ホストコンピュータ４と情報のやり取りを行う。
ホストコンピュータ４との情報のやり取りの結果、暗証
番号や取引金額が適切なものであれば、自動取引装置３
は、現金処理部６により、例えば、現金の受け払い口７
からの現金の支払を行う。このように、本実施例におい
ては、無線電話機１を介して利用者からの操作情報を入
力するので、クレジットカードが不要となる。また、自
動取引装置３においても、操作案内情報を表示するため
のパネル等が不要となる。At this time, if the input operation information from the wireless telephone 1 is voice, the automatic transaction apparatus 3 recognizes the voice information from the wireless telephone 1 by the voice recognition unit 3d, and confirms the user's password. And the transaction amount is recognized, and information is exchanged with the host computer 4 based on the result.
As a result of the exchange of information with the host computer 4, if the password and the transaction amount are appropriate, the automatic transaction device 3
The cash processing unit 6 allows, for example, a cash receiving port 7
Make a cash payment from. As described above, in this embodiment, since the operation information from the user is input through the wireless telephone 1, a credit card is not required. Also, the automatic transaction device 3 does not require a panel or the like for displaying operation guide information.
【００１４】次に、自動取引装置３の動作説明をフロー
チャートを用いて行う。図２は、図１における自動取引
装置３の本発明に係る処理動作例を示すフローチャート
である。まず利用者は、自動取引装置の前に来る（ステ
ップ１００）。この時、ドライブスルー式の場合は車に
乗車したまま自動取引装置の前に停車する。その後、自
動取引装置に表示されている電話番号に、携帯電話やＰ
ＨＳ等の無線電話機により、銀行またはクレジット会社
等の金融会社(以下金融会社)の電話交換機に電話をする
(ステップ１０１)。Next, the operation of the automatic transaction apparatus 3 will be described with reference to a flowchart. FIG. 2 is a flowchart showing an example of a processing operation according to the present invention of the automatic transaction apparatus 3 in FIG. First, the user comes before the automatic transaction apparatus (step 100). At this time, in the case of the drive-through type, the vehicle stops in front of the automatic transaction device while riding in the car. After that, the mobile phone or P
Call a telephone exchange of a financial company (hereinafter referred to as a financial company) such as a bank or credit company using a wireless telephone such as an HS.
(Step 101).
【００１５】電話交換機は、自動取引装置に接続し、自
動取引装置は、利用者の無線電話機がセンタのホストコ
ンピュータに登録されているかを確認する(ステップ１
０２)。このホストコンピュータへの確認は、利用者を
限定すものであり、従来の磁気カードの代用となる。セ
ンタのホストコンピュータは、登録の有無を判断して利
用の可否を自動取引装置に連絡する。登録確認ができた
場合は、「電話を切ってしばらくお待ちください」等の
音声メッセージを利用者に通知する(ステップ１０３)。
この通知に基づき、利用者は、一旦電話を切り待機する
(ステップ１０４)。The telephone exchange connects to the automatic transaction device, and the automatic transaction device checks whether the user's wireless telephone is registered in the center host computer (step 1).
02). This confirmation to the host computer limits the users, and is a substitute for the conventional magnetic card. The host computer of the center determines the presence or absence of the registration and informs the automatic transaction apparatus of the availability of the registration. If the registration is confirmed, the user is notified of a voice message such as "Please hang up the phone and wait for a while" (step 103).
Based on this notification, the user temporarily hangs up the telephone and waits
(Step 104).
【００１６】所定の時間経過後、自動取引装置は、利用
者の無線電話機に対してコールバックを行う(ステップ
１０５)。このように、自動取引装置側から再コールす
ることにより、利用者の再確認をすると共に自動取引装
置の前に利用者がいることの確認ができる。利用者が、
自動取引装置からの再コールを無線電話機で受ける(ス
テップ１０６)と、自動取引装置は、第三者による使用
を防止するために本人確認を行う(ステップ１０７)。After a lapse of a predetermined time, the automatic transaction apparatus calls back the user's wireless telephone (step 105). In this way, by re-calling from the automatic transaction apparatus side, it is possible to confirm the user again and to confirm that the user is in front of the automatic transaction apparatus. The user
When a recall from the automatic transaction device is received by the wireless telephone (step 106), the automatic transaction device performs identity verification to prevent use by a third party (step 107).
【００１７】この時の本人確認方法は、従来のように暗
証番号を無線電話機のダイヤルキーにより入力し、セン
タのホストコンピュータに照合確認する方法と、さらに
利用者本人の声を登録しておき、その音声情報との照合
確認を行う方法があるが、後者の方が本人の特定をより
確実にでき、かつ第三者による察知を防止でき、安全性
を高められる。At this time, the personal identification method is a method of inputting a personal identification number with a dial key of a radio telephone and checking and confirming the same with a host computer of the center as in the prior art. Although there is a method of checking and confirming the voice information, the latter can more surely identify the person, prevent the detection by a third party, and enhance the security.
【００１８】このようにして、本人の照合が済めば、入
出金ガイダンスに従っての入出金操作を行う(ステップ
１０８)。例えば、「出金の場合は、１を入金の場合は
２を押してください」等の音声メッセージガイダンスを
通知し、この通知に従って、利用者は入力操作を行って
いく。この入力操作に基づき、自動取引装置は、入出金
口（現金受け払い口）を介して入出金を行う(ステップ
１０９)。When the verification of the principal is completed, the deposit / withdrawal operation is performed according to the deposit / withdrawal guidance (step 108). For example, a voice message guidance such as “Press 1 for payment and press 2 for payment” is notified, and the user performs input operations according to this notification. Based on this input operation, the automated teller machine deposits and withdraws via a deposit and withdrawal port (cash receipt and withdrawal port) (step 109).
【００１９】尚、この入力操作は、音声指示により行う
ようにすることもできる。例えば、利用者が「出金、３
万円」と声で指示した場合には、自動取引装置は、それ
を音声認識して３万円を出金する。このようにする事に
より、利用者は入出金操作を簡単にでき、自動取引装置
の操作性が向上する。入出金が完了すると、自動取引装
置は、残高の照合結果を、無線電話機の表示部もしくは
スピーカを介して利用者に通知し(ステップ１１０)、一
連の入出金処理を終了する(ステップ１１１)。The input operation can be performed by voice instructions. For example, if the user sets “withdrawal, 3
When instructing by voice "10,000 yen", the automatic transaction apparatus recognizes the voice and pays out 30,000 yen. By doing so, the user can easily perform the depositing / dispensing operation, and the operability of the automatic transaction apparatus is improved. When the deposit and withdrawal is completed, the automatic transaction device notifies the user of the balance comparison result via the display unit or the speaker of the wireless telephone (step 110), and ends a series of deposit and withdrawal processing (step 111).
【００２０】以上、図１および図２を用いて説明したよ
うに、本実施例の自動取引装置では、携帯電話やＰＨＳ
等の無線電話機を入出金操作の入力装置とする。このこ
とにより、暗証番号による使用者の確認を音声認識で行
うことができ、暗証番号の第三者による察知を防止し、
より安全性を高めることができる。また、キャッシュカ
ードやクレジットカードが不要となり、カードを忘れた
時にも取引が可能となる。As described above with reference to FIG. 1 and FIG. 2, the automatic transaction apparatus of the present embodiment
And the like as an input device for depositing / dispensing operations. As a result, the user can be confirmed by the password by voice recognition, preventing the password from being detected by a third party,
Security can be further improved. In addition, a cash card or a credit card is not required, and transactions can be performed even when the card is forgotten.
【００２１】また、入出金操作を音声指示で行うことが
でき、より操作性が向上する。特に、車に乗ったまま自
動取引装置の前で入出金操作をすることができるドライ
ブスルー式の現金自動取引システムに適用することによ
り、利用者が車から身を乗り出して入力操作する必要が
無くなり、操作性が向上する。さらに、自動取引装置に
おいても、キーボードやタッチパネルなどの入力操作
部、ＣＲＴやＬＣＤなどの表示部、キャッシュカードの
読み取り部を不要とする事ができ、利便性、小型化、原
価低減の向上が図れる。尚、本発明は、図１および図２
を用いて説明した実施例に限定されるものではなく、そ
の要旨を逸脱しない範囲において種々変更可能である。Further, the depositing / dispensing operation can be performed by voice instruction, and the operability is further improved. In particular, by applying the present invention to a drive-through type automatic cash transaction system that allows depositing and withdrawing operations in front of an automatic transaction device while riding in a car, the user does not need to lean out of the car and perform input operations. Operability is improved. Further, also in the automatic transaction apparatus, an input operation unit such as a keyboard and a touch panel, a display unit such as a CRT and an LCD, and a reading unit of a cash card can be eliminated, thereby improving convenience, miniaturization, and cost reduction. . It should be noted that the present invention is not limited to FIGS.
However, the present invention is not limited to the embodiment described with reference to FIG.
【００２２】[0022]
【発明の効果】本発明によれば、取引内容の入力に、装
置上に設けられたタッチパネルやボタン等を操作する必
要がなくなり、また、キャッシュカードやクレジットカ
ード等の磁気カードの使用が不要となり、利用者の操作
性、特に、ドライブスルー方式の自動取引システムにお
ける操作性の向上、および、カードの不正使用の防止を
図ることができ安全性の向上が可能となると共に、操作
パネル等のデバイスが不要となり、装置構成を簡素化す
ることが可能である。According to the present invention, it is not necessary to operate a touch panel or buttons provided on the apparatus for inputting transaction details, and it is not necessary to use a magnetic card such as a cash card or a credit card. In addition to improving the operability of the user, in particular, the operability of the drive-through type automatic transaction system, and preventing unauthorized use of the card, the security can be improved, and devices such as an operation panel can be improved. Becomes unnecessary, and the device configuration can be simplified.
【図１】本発明の自動取引装置の本発明に係る構成およ
びそれを用いた自動取引システムの一実施例を示すブロ
ック図である。FIG. 1 is a block diagram showing a configuration of an automatic transaction apparatus according to the present invention and an embodiment of an automatic transaction system using the same.
【図２】図１における自動取引装置３の本発明に係る処
理動作例を示すフローチャートである。FIG. 2 is a flowchart showing an example of a processing operation according to the present invention of the automatic transaction apparatus 3 in FIG.
１：無線電話機、１ａ：表示部、１ｂ：ダイヤルキー、
２：電話交換機、３：自動取引装置、３ａ：通信処理
部、３ｂ：案内情報送出部、３ｃ：取引処理部、３ｄ：
音声認識部、３ｅ：番号確認部、３ｆ：コールバック処
理部、４：ホストコンピュータ、５：センタ接続処理
部、６：現金処理部、７：現金の受け払い口、８：電話
番号。1: wireless telephone, 1a: display unit, 1b: dial key,
2: telephone exchange, 3: automatic transaction device, 3a: communication processing unit, 3b: guidance information transmission unit, 3c: transaction processing unit, 3d:
Speech recognition unit, 3e: number confirmation unit, 3f: callback processing unit, 4: host computer, 5: center connection processing unit, 6: cash processing unit, 7: cash transfer port, 8: telephone number.
───────────────────────────────────────────────────── フロントページの続き (72)発明者 東馬 貴志 愛知県尾張旭市晴丘町池上１番地 株式会 社日立製作所情報機器事業部内 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Kishi Toma 1 Ikegami, Haruoka-cho, Owariasahi-shi, Aichi Pref. Information Equipment Division, Hitachi, Ltd.
Claims (3)
案内情報に従っての利用者からの操作入力に基づき、現
金の出金等、対応する自動取引を行う自動取引装置であ
って、利用者が操作する無線電話機との情報の送受信を
電話交換機を介して行う通信処理手段と、該通信処理手
段を介して上記無線電話機に上記操作案内情報を送出す
る案内情報送出手段と、上記通信処理手段で受信した上
記無線電話機からの操作情報に基づき、対応する自動取
引処理を行なう取引処理手段とを少なくとも有し、利用
者による無線電話機の操作に基づき自動取引を行なうこ
とを特徴とする自動取引装置。An automatic transaction device that provides operation guidance information to a user and performs a corresponding automatic transaction such as cash withdrawal based on an operation input from the user according to the operation guidance information. Communication processing means for transmitting and receiving information to and from a wireless telephone operated by a user via a telephone exchange; guidance information transmitting means for transmitting the operation guidance information to the wireless telephone via the communication processing means; Transaction processing means for performing a corresponding automatic transaction processing based on the operation information from the wireless telephone received by the means, wherein the automatic transaction is performed based on the operation of the wireless telephone by the user. apparatus.
て、上記無線電話機から上記通信処理手段に送られてき
た暗証番号を少なくとも含む音声情報を認識する音声認
識手段を具備し、上記取引処理手段は、上記音声認識手
段で認識した音声情報に基づき、上記利用者の確認処理
を含む自動取引処理を行うことを特徴とする自動取引装
置。2. The automatic transaction apparatus according to claim 1, further comprising: voice recognition means for recognizing voice information including at least a password transmitted from said wireless telephone to said communication processing means, wherein said transaction processing means is provided. An automatic transaction apparatus for performing an automatic transaction process including a confirmation process of the user based on the voice information recognized by the voice recognition means.
かに記載の自動取引装置において、接続された上記無線
電話機の電話番号が予め登録済みであることを確認する
番号確認手段と、該番号確認手段による確認後、上記無
線電話機に対するコールバック処理を行うコールバック
処理手段とを具備し、上記無線電話機の所在の確認を行
った後、上記取引処理手段による自動取引処理を行うこ
とを特徴とする自動取引装置。3. The automatic transaction apparatus according to claim 1, wherein a number confirming means for confirming that a telephone number of the connected wireless telephone has been registered in advance. Callback processing means for performing callback processing for the wireless telephone after confirmation by the number confirmation means, and performing automatic transaction processing by the transaction processing means after confirming the location of the wireless telephone. And automatic transaction equipment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP30633196A JP3687812B2 (en) | 1996-11-18 | 1996-11-18 | Automatic transaction equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP30633196A JP3687812B2 (en) | 1996-11-18 | 1996-11-18 | Automatic transaction equipment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPH10149400A true JPH10149400A (en) | 1998-06-02 |
| JP3687812B2 JP3687812B2 (en) | 2005-08-24 |
Family
ID=17955828
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP30633196A Expired - Fee Related JP3687812B2 (en) | 1996-11-18 | 1996-11-18 | Automatic transaction equipment |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JP3687812B2 (en) |
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| JP2000076336A (en) * | 1998-08-31 | 2000-03-14 | Fujitsu Ltd | Electronic settlement authentication system and electronic commerce service provider device |
| WO2001045058A1 (en) * | 1999-12-16 | 2001-06-21 | The Coca-Cola Company | Vending machine purchase via cellular telephone |
| EP1136962A2 (en) * | 2000-03-10 | 2001-09-26 | Ncr International Inc. | Self service terminal |
| WO2001071672A1 (en) * | 2000-03-24 | 2001-09-27 | Fujitsu Limited | Automatic trading device, automatic trading system, and automatic trading method |
| JP2001283133A (en) * | 2000-03-28 | 2001-10-12 | Design Network Association:Kk | Settlement system using mobile telephone |
| WO2001082093A1 (en) * | 2000-04-24 | 2001-11-01 | Mitsubishi Denki Kabushiki Kaisha | Cellular telephone and authentication system |
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| JP2000076336A (en) * | 1998-08-31 | 2000-03-14 | Fujitsu Ltd | Electronic settlement authentication system and electronic commerce service provider device |
| JP2003517680A (en) * | 1999-12-15 | 2003-05-27 | オーセンテイフイ・インコーポレーテツド | Dual network system and method for online approval or authorization |
| JP2003517768A (en) * | 1999-12-16 | 2003-05-27 | ザ・コカ−コーラ・カンパニー | Vending machine purchase via cellular telephone |
| WO2001045058A1 (en) * | 1999-12-16 | 2001-06-21 | The Coca-Cola Company | Vending machine purchase via cellular telephone |
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| US7174322B2 (en) | 2000-03-24 | 2007-02-06 | Fujitsu Limited | Method of, apparatus and system for automatic transaction |
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| WO2001082093A1 (en) * | 2000-04-24 | 2001-11-01 | Mitsubishi Denki Kabushiki Kaisha | Cellular telephone and authentication system |
| JP2001306989A (en) * | 2000-04-25 | 2001-11-02 | Nec Corp | On-line shopping system |
| KR20010114062A (en) * | 2000-06-21 | 2001-12-29 | 구자성 | Electronic commercial payment system and the payment method using the same thereof |
| KR20020043995A (en) * | 2000-12-05 | 2002-06-14 | 김상배 | System and method that is credit card sanction approval that use radio terminal in electronic commerce |
| JP2002189863A (en) * | 2000-12-21 | 2002-07-05 | Fuji Xerox Co Ltd | Device and method for processing job |
| GB2371397B (en) * | 2001-01-20 | 2004-09-01 | Ncr Int Inc | Self service terminal |
| GB2371397A (en) * | 2001-01-20 | 2002-07-24 | Ncr Int Inc | Self-service terminal with mobile detection features |
| US7716134B2 (en) | 2001-01-20 | 2010-05-11 | Ncr Corporation | Self service terminal |
| KR100612825B1 (en) * | 2001-02-10 | 2006-08-14 | 삼성전자주식회사 | System and method for providing telephone shopping service using originator telephone number and temporary password |
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| GB2396239B (en) * | 2002-12-14 | 2007-06-06 | Ncr Int Inc | A self service terminal |
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