JP2018097456A - Automatic teller machine, output control method, output control program and server - Google Patents

Abstract

PROBLEM TO BE SOLVED: To perform an output control of information according to a requested transaction.SOLUTION: An automatic teller machine includes a processing unit for searching for other automatic teller machines capable of handling all or part of requested transactions when detecting its inability of handling such transactions, and an output unit for controlling an output of information indicating a location of other automatic teller machines identified by the search.SELECTED DRAWING: Figure 2

Description

  The present invention relates to an automatic teller machine, an output control method, an output control program, and a server.

  An automatic teller machine that deposits and pays cash according to a user's request is used. As a related technology, a technology related to an automatic cash transaction apparatus is proposed in which a user selects a banknote such as withdrawal of a new bill or withdrawal of an old bill without performing a special storage, and performs a withdrawal transaction. (For example, see Patent Document 1).

  In addition, when issuing multiple withdrawal cards that can be withdrawn from a single deposit account, withdrawals from automated teller machines that take into account the security against unauthorized use by means of PIN numbers or other methods Has been proposed (see, for example, Patent Document 2).

  Moreover, the technique regarding the banknote processing apparatus and cash automatic transaction apparatus which align and discharge | release a banknote in one direction, without providing a new upside down mechanism is proposed (for example, refer patent document 3).

  In addition, in an automatic teller machine, a technique has been proposed for determining whether a banknote is authentic, ticket type, and reusable (see, for example, Patent Document 4).

JP 2004-355062 A JP 2005-78226 A JP 2013-149113 A Japanese Patent Laid-Open No. 9-50551

  The automatic teller machine withdraws cash in response to a request from a user who operates the automatic teller machine. Depending on the status of the cash held by the automatic teller machine, there may be cases where the user's request cannot be met.

  As one aspect, an object of the present invention is to perform output control of information according to a requested transaction.

  In one aspect, when the automatic teller machine detects that some or all of the requested transactions cannot be handled, the automatic teller machine is specified by the search and a processing unit that searches for other available automatic teller machines. An output unit that controls output of information indicating the location of another automatic teller machine.

  According to one aspect, output control of information corresponding to the requested transaction can be performed.

It is a figure which shows an example of the whole structure of a system. It is a figure which shows an example of ATM. It is a figure which shows an example of a deposit balance table and an attribute information table. It is a figure which shows an example of an ATM information table. It is FIG. (1) which shows an example of a screen. It is FIG. (2) which shows an example of a screen. It is FIG. (3) which shows an example of a screen. It is FIG. (4) which shows an example of a screen. It is a figure which shows an example of a balance deposit table and an evaluation point. It is a flowchart (the 1) which shows an example of the flow of a process of embodiment. It is a flowchart (the 2) which shows an example of the flow of a process of embodiment. It is a flowchart which shows an example of the flow of a determination process. It is a flowchart which shows an example of the flow of a search process. It is a flowchart which shows the other example of the flow of a determination process. It is a flowchart which shows an example of the flow of a process of a modification. It is a figure which shows an example of the hardware constitutions of an ATM control part. It is a figure which shows an example of the hardware constitutions of a server.

<Example of System of Embodiment>
Hereinafter, embodiments will be described with reference to the drawings. FIG. 1 shows an example of an automated teller system 1 according to an embodiment. Hereinafter, the automatic teller payment system 1 may be referred to as a system 1.

  In the system 1, a plurality of Automated Teller Machines (ATM) 2 </ b> A to 2 </ b> E and a bank main computer 3 are connected via a bank network 4. ATM2A to 2E may be collectively referred to as ATM2.

  1 shows an example in which five ATMs 2 are connected to the bank network 4, but the number of ATMs 2 connected to the bank network 4 may be any number. ATM2 is an example of an automatic teller machine.

  The bank main computer 3 is a bank main computer. For example, the bank main computer 3 is an account system in a bank, and the bank main computer 3 manages data related to a deposit account ledger (hereinafter, ledger data 3A).

  The bank main computer 3 is connected to the internal network 5N of the contact center 5. In the contact center 5, an operator responds to various inquiries from users regarding banking operations. Hereinafter, the user may be referred to as a customer.

  In the contact center 5, a server 11 and a plurality of terminals 12A to 12E are installed, and the server 11 and the terminals 12A to 12E are connected via an internal network 5N. Hereinafter, the terminals 12A to 12E may be collectively referred to as the terminal 12. The number of terminals 12 connected to the internal network 5N may be an arbitrary number.

  The terminal 12 is a terminal operated by an operator engaged in work in the contact center 5. The operator inputs information obtained from the user to the terminal 12 when receiving an inquiry from the user or making an inquiry to the user using a communication means such as a telephone, for example. . The terminal 12 receives input information. Information received by the terminal 12 is sent to the server 11.

  The server 11 includes a server control unit 13, a balance deposit table storage unit 14, an attribute information table storage unit 15, and an ATM information table storage unit 16. The server control unit 13 performs various controls. The server control unit 13 is an example of a control unit. The balance deposit table storage unit 14 stores a deposit balance table indicating the balance of the user's deposit account and the like.

  The attribute information table storage unit 15 stores a table indicating attributes for each user. The user attribute includes, for example, information such as the user's age. The ATM information table storage unit 16 stores, for each ATM 2, a table indicating information about cash held, information about other ATM 2, and the like.

  In the example of FIG. 1, the balance deposit table storage unit 14, the attribute information table storage unit 15, and the ATM information table storage unit 16 may be stored in a storage device different from the server 11. In this case, for example, a storage device that stores each table is connected to the internal network 5N.

<An example of ATM>
FIG. 2 shows an example of ATM2. ATM 2 includes an ATM control unit 21, a touch panel display 22 and a printing unit 23. The ATM control unit 21 performs various controls in ATM2. The touch panel display 22 displays various screens. Further, an input operation corresponding to the displayed screen can be performed on the touch panel display 22.

  The printing unit 23 prints information on a transaction (financial transaction) based on the operation of the ATM 2 on a receipt. The receipt on which information relating to the transaction is printed is discharged from the ATM 2 after the transaction ends.

  The ATM control unit 21 includes a communication unit 31, a processing unit 32, a specifying unit 33, a storage unit 34, a withdrawal control unit 35, a restriction unit 36, an input unit 37, and an output unit 38. The ATM control unit 21 may be realized by an ATM2 computer. The communication unit 31 communicates with the server 11 of the contact center 5 via the bank network 4 or the like.

  When the processing unit 32 detects that some or all of the transactions requested for the ATM 2 cannot be handled, the processing unit 32 performs processing for searching for other ATMs that can be handled. The specifying unit 33 specifies the number of cash held by the own ATM 2 (hereinafter sometimes referred to as the operation ATM 2). Hereinafter, cash is assumed to be banknotes.

  The ATM 2 has a built-in storage (stacker) for each type of banknote. For example, for a 10,000 yen banknote, a plurality of 10,000 yen banknotes are stored in the banknote stacker. The same applies to 5,000 yen bills and thousand yen bills.

  In the embodiment, it is assumed that a new bill dedicated stacker is built in the ATM 2 in addition to the above stacker. The new bill is, for example, an unused bank note and is used for a wedding celebration or a baby gift celebration.

  The specifying unit 33 specifies the number of banknotes stored in each stacker. For example, the specifying unit 33 may specify the number of banknotes stored in each stacker based on the number of banknotes stored and the number of used banknotes for each stacker.

  The storage unit 34 stores various types of information. For example, the storage unit 34 stores information acquired from the server 11.

  The withdrawal control unit 35 performs control for dispensing the number of banknotes according to the result of the transaction. The restriction unit 36 calculates the upper limit of the number of new bills to be withdrawn, and restricts the withdrawal of new bills to the calculated upper limit.

  The input unit 37 receives an input operation performed on the touch panel display 22. The output unit 38 controls output of predetermined information to one or both of the touch panel display 22 and the printing unit 23.

  As described above, the processing unit 32 searches for another ATM2. The output unit 38 controls whether or not to output information indicating the location of the other ATM 2 specified by the search. In the embodiment, it is assumed that the information indicating the location is map information.

  When the output unit 38 outputs the map information to the touch panel display 22, the map information is displayed on the touch panel display 22. When the output unit 38 outputs the map information to the printing unit 23, the map information is printed on the receipt.

  The output unit 38 may output other information together with the map information. Depending on conditions, the output unit 38 may not output the map information of other ATM2 specified by the search.

<Examples of various tables>
FIG. 3A shows an example of a deposit balance table. The deposit balance table includes items of customer number, account number, personal identification number, balance, transaction frequency, account duration, loan contract, utility fee, and new bill usage frequency. The deposit balance table may include items other than the above items, and may not include some of the above items.

  The customer number is a number that identifies a customer (user). The account number is an account number corresponding to the customer number. The personal identification number is a personal identification number corresponding to the account number. The balance indicates a deposit balance corresponding to the account number.

  The transaction frequency indicates a frequency at which a transaction using the account specified by the corresponding account number is performed. The account continuation period indicates a period that has continued since the corresponding account number was opened. The loan contract indicates whether or not there are various types of loans (for example, mortgage loans, car loans, etc.) using the corresponding account numbers.

  The utility bill indicates whether or not a corresponding account number is used for debiting utility bills such as electricity, gas, and water. The new bill usage frequency indicates the frequency at which the new bill is used for transactions using the corresponding account.

  Of the above items, the items of transaction frequency, account duration, loan contract, utility charges, and new bill usage frequency are items that determine the rate at which new bills can be withdrawn. The information of the item is information indicating the transaction status of the user.

  When the input unit 37 accepts an operation for performing a withdrawal transaction, the restriction unit 36 restricts the ratio of the total amount of the deposit balance corresponding to the user's account number based on the above items.

  FIG. 3B shows an example of the attribute information table. The attribute information table includes items of customer number, age, health status, family-related information, complaints, attention, staff, upcoming wedding, and upcoming delivery schedule. The attribute information table may include items other than the above items, or may not include some of the above items.

  The age indicates the age of the user specified by the customer number. The health status indicates the health status of the user specified by the customer number. The family related information indicates information related to the family structure of the user specified by the customer number.

  The complaint indicates whether or not there has been a complaint in the past from the user specified by the customer number. Commitment indicates whether the user specified by the customer number is obsessed with drawing new bills. The staff member indicates whether the user specified by the customer number is a staff member of a bank (a bank that operates the bank main computer 3).

  The Coming Soon Wedding indicates whether the user specified by the customer number is scheduled to attend the wedding in the near future. The upcoming delivery schedule indicates whether the user himself or her spouse specified by the customer number has a delivery schedule in the near future.

  As described above, the operator who operates the terminal 12 is obtained from the user when receiving an inquiry from the user or making an inquiry to the user using a communication means such as a telephone. Information is input to the terminal 12. The terminal 12 receives the input.

  Information input to the terminal 12 is transmitted to the server 11 via the internal network 5N. The server control unit 13 stores information based on the information received from the terminal 12 in the attribute information table.

  For example, when an operator who operates the terminal 12 receives information regarding a change in the user's family structure, the information is input to the terminal 12. Information input to the terminal 12 is transmitted to the server 11, and the server control unit 13 stores the information in family-related information corresponding to the customer number in the attribute information table.

  FIG. 4 shows an example of the ATM information table. The ATM information table includes items of own ATM number, own stock number, area, other ATM number, distance, other stock number, screen display contents, and map information.

  The own ATM number is an identification number assigned to each ATM2. The own stock number indicates the number of new bills stored in the ATM 2 new bill dedicated stacker specified by the own ATM number. The area indicates a predetermined range based on the position of ATM2 specified by the own ATM number.

  The example of FIG. 4 shows an example in which the area is “X facility”. For example, the facility may be a facility such as a shopping mall or a station. The area may be, for example, in the same branch of the bank. Further, the area may be a range of a predetermined radius based on the position of ATM2 specified by the own ATM number.

  The other ATM number is an identification number that identifies another ATM 2 belonging to the same area as the area to which the own ATM number belongs. The distance indicates the distance between ATM2 specified by the own ATM number and ATM2 specified by the other ATM number.

  The other stock number indicates the number of new bills stored in the new ATM 2 new bill stacker specified by the other ATM number. Each ATM 2 may include a new bill dedicated stacker corresponding to one type of banknote, or a new bill dedicated stacker corresponding to two or more types of banknotes.

  For example, a new bill stacker that stores 10,000 yen bills of new bills, a new stack stacker that stores new bills of 5,000 yen bills, and a new bill stacker that stores new bills of 1,000 yen bills. Each kind of new bill dedicated stacker may be built in each ATM 2.

  The server control unit 13 periodically collects information indicating the number of new bills stored in the new bill dedicated stacker from each ATM 2, and stores the collected information in the ATM information table storage unit 16. Good.

  In the ATM information table, an item of the number of other stocks may be set according to the type of the new bill. Hereinafter, the number of stocks in the ATM information table indicates the number of 10,000 yen banknotes in the new bill, but the ATM information table includes information on the 5,000 yen banknote in the new bill and the thousand yen bill in the new bill. Other stock numbers may be stored.

  The screen display content indicates an outline of the content displayed on the touch panel display 22. The map information is map information indicating the location of another ATM 2 specified by the other ATM number. The map information may be image data, or may be data in which character information (for example, character information explaining a place) is added to the image data.

<Example of screen transition>
Hereinafter, an example of the screen transition of the touch panel display 22 when performing a withdrawal transaction using ATM2 will be described. Hereinafter, it is assumed that a specific user (hereinafter simply referred to as a user) who operates the ATM 2 designates the number of new bills to be drawn and performs a withdrawal transaction. Also, the ATM 2 operated by the user is referred to as operation ATM 2.

  FIG. 5A shows an example of an initial screen displayed on the touch panel display 22. For example, the user inserts a cash card into the card insertion slot of the operation ATM 2 and inputs a personal identification number. When the code number is input to the touch panel display 22, the input unit 37 receives the input code number.

  The operation ATM2 reads information (for example, information such as an account number) recorded on the cash card, transmits information including the cash card information and the personal identification number to the bank main computer 3, and operates the operation ATM2. Inquires if is valid.

  The bank main computer 3 refers to the ledger data 3A, confirms whether the information on the cash card and the personal identification number are valid, and returns information on whether it is valid to the operation ATM2. The operation ATM2 receives information as to whether it is valid.

  When the received information indicates that the received information is valid, the ATM control unit 21 permits the transaction by the user. On the other hand, when the received information indicates that it is not valid, the transaction by the user is not permitted. When the ATM control unit 21 permits the transaction, the display on the touch panel display 22 transitions to a screen for performing the transaction.

  FIG. 5B shows an example of a screen for selecting a transaction type. It is assumed that the touch panel display 22 and the screen shown in the example of FIG. 5B are displayed, and the user touches a “drawer” button (an area indicated by shading). In this case, the screen of the touch panel display 22 transitions to, for example, the screen shown in FIG.

  In the screen example of FIG. 6A, it is shown that the upper limit amount of withdrawal of a new bill is “100,000 yen”. If the withdrawal frequency of new bills is increased from the operation ATM2, the new bills stored in the new bill dedicated stacker will be insufficient early.

  For example, the remaining number of 10,000-yen banknotes stored in the new-yen stacker for 10,000-yen banknotes is “5”, and the withdrawal amount of new 10,000-yen banknotes is “100,000 yen” In this case, the operation ATM2 cannot cope with a part of the requested transaction.

  In addition, the remaining number of 10,000 yen bills stored in the new bill stacker for 10,000 yen bills is “0”, and the withdrawal amount of new bills for 10,000 yen bills is “100,000 yen”. In this case, the operation ATM2 cannot handle all of the requested transactions.

  Therefore, in the embodiment, the restriction unit 36 provides a predetermined restriction on the withdrawal of a new bill. The ATM control unit 21 accesses the server 11 and, among the deposit balance table storage unit 14 of the server 11, a plurality of items corresponding to the customer number of the user operating the operation ATM 2 (the transaction frequency and the account continuation described above) Search for information on period, loan agreement, utility bills and new bill usage. This information is information indicating the transaction status of the user.

  As described above, based on the information on the cash card and the password, the bank main computer 3 identifies the customer number of the user who is operating the operation ATM2.

  Since the communication from the operation ATM 2 to the server 11 is via the bank main computer 3, the user operating the operation ATM 2 may be specified based on the identification result of the bank main computer.

  Based on the search result, the restriction unit 36 calculates the upper limit amount of the new bill, and restricts the withdrawal of the new bill that exceeds the calculated upper limit amount. The example of FIG. 6A shows an example in which the calculated withdrawal upper limit of new bills is “100,000 yen”.

  As shown in the example of FIG. 6A, the touch panel display 22 displays buttons for “draw new bill” and “draw other than new bill”. “Drawers other than new bills” is a button for pulling out bills that are not new bills (for example, used bills).

  For example, it is conceivable that the user operating the operation ATM2 requests to draw a banknote other than a new note. When the “draw out other than new bills” button is touched, the operation ATM 2 performs control to pull out a designated number of bills from a stacker that is not a new bill dedicated stacker.

  The example of FIG. 6A shows an example in which the “new bill withdrawal” button is touched. When the area of the “new bill withdrawal” button on the touch panel display 22 is touched, the screen of the touch panel display 22 changes to a screen for designating the amount of the new bill withdrawal.

  FIG. 6B is an example of a screen for designating the amount of new bill withdrawal. In the screen example of FIG. 6B, there are a button (ticket type designation button) for designating a ticket type (10,000 yen bill, 5,000 yen bill or thousand yen bill) to be drawn, and a button (number designation) for designating the number of sheets. Button).

  When there are three ticket type designation buttons, a new bill dedicated stacker corresponding to each of the three ticket types is built in the ATM 2. FIG. 6B shows an example in which five 10,000 yen bills are designated. The withdrawal amount is “50,000 yen”, which is less than “100,000 yen”, which is the upper limit for withdrawal of new bills mentioned above. Therefore, more than 5 thousand yen bills remain in the new bill stacker for 10,000 yen bills. If so, a transaction corresponding to the user's request is performed.

  FIG. 7A shows an example of a screen for selecting whether or not withdrawal on the current day (today) is necessary. When withdrawal on that day is not necessary (when the “unnecessary” button in the screen example of FIG. 7A is touched), the withdrawal control unit 35 performs control to withdraw banknotes other than new bills. In this case, the designated banknote is withdrawn from a stacker other than the new bill dedicated stacker.

  When withdrawal on the day is necessary (when the “necessary” button in the screen example of FIG. 7A is touched), the withdrawal control unit 35 removes the designated number of new bills from the new bill dedicated stacker. Control money.

  However, if the number of new bills remaining in the new bill dedicated stacker is less than the designated number, the ATM control unit 21 detects that it cannot respond to some or all of the requested transactions. In this case, the processing unit 32 searches for another ATM 2 (ATM 2 capable of responding to the requested transaction) that holds a specified number or more of new bills within a predetermined range from the position of the operation ATM 2.

  FIG. 7B shows an example of a screen being searched. In this case, the communication unit 31 communicates with the server 11 via the bank network 4 or the like. In the ATM information table shown in the example of FIG. 4, the processing unit 32 creates new bills that are equal to or more than the designated number of other ATM numbers corresponding to the own ATM number (referred to as “ATM11”) that identifies the operation ATM2. Other ATM numbers that hold are searched.

  As described above, it is assumed that the requested transaction is a transaction to withdraw 10,000 yen bills of five new bills. The “number of other stocks” in the ATM information shown in the example of FIG. 4 is the number of new bills of 10,000 yen bills held by other ATMs 2.

  The processing unit 32 searches the ATM information table and identifies other ATM numbers having other stock numbers of 5 or more among other ATM numbers corresponding to the own ATM number “ATM11”. The processing unit 32 may identify the other ATM number having the shortest distance among the identified other ATM numbers. In this case, another ATM 2 (other ATM number is “ATM 12”) that can correspond to the requested transaction and is located closest to the operation ATM 2 is specified.

  Of the information acquired by the processing unit 32, the map information is an example of information indicating the location of another specified ATM2. As described above, the number of 10,000 yen banknotes in the new bill held by the operation ATM 2 is 3, and the requested transaction is a transaction to withdraw 10,000 yen banknotes in the 5 new bills. Therefore, operation ATM2 cannot respond to the requested transaction.

  The output unit 38 outputs the acquired map information of the other ATM 2 to either one or both of the touch panel display 22 and the printing unit 23. When the map information is output to the touch panel display 22, the map information is displayed on the screen of the touch panel display 22. When the map information is output to the printing unit 23, the map information is printed on the receipt. The receipt on which the map information is printed is discharged from the operation ATM2.

  Accordingly, map information indicating the location of another ATM 2 that can handle the requested transaction is presented to the user. The map information is information indicating a specific location of another ATM 2 that can handle the requested transaction. When the output unit 38 outputs the map information indicating the location of the other ATM2, the location of the other ATM2 that can respond to the requested transaction can be presented.

  The processing unit 32 may search the ATM information table to obtain a plurality of other ATM numbers that have the number of other stocks equal to or greater than the specified number of new tags and belong to the same area as the area of the own ATM number.

  For example, it can be considered that there are a plurality of other ATMs 2 that can handle the requested transaction and are located near the operation ATM 2, and the other ATMs 2 located closest to the operation ATM 2 are congested.

  In this case, the processing unit 32 acquires map information for the plurality of other ATM numbers described above, and the output unit 38 outputs the acquired plurality of map information, so that the transaction close to the operation ATM2 and requested. Other ATM2 locations that can be handled can be presented to the user.

  In the ATM information table shown in the example of FIG. 4, the distance item may be position information (for example, position information specified by latitude and longitude). In this case, the processing unit 32 can search for another ATM 2 located near the operation ATM 2 based on the position information of the own ATM number and the position information of the other ATM number.

  FIG. 8 shows an example of a screen displayed on the touch panel display 22 after the above search is completed.

  FIG. 8A shows a screen example of the touch panel display 22 on which map information of a place of another ATM 2 that can correspond to a transaction requested by the user and is located closest to the operation ATM 2 is displayed.

  FIG. 8B shows a screen example of the touch panel display 22 when it is possible to deal with the transaction requested by the user and no other ATM 2 belonging to the same area as the operation ATM 2 is specified.

  In the screen example of FIG. 8A, the display example “there is a necessary number for the second machine” is based on the screen display content (second machine) acquired from the ATM information table. The map information is based on the map information A acquired from the ATM information table. “This machine” indicates the operation ATM2.

  In the screen example of FIG. 8A, when the input unit 37 accepts that the “receipt print” button has been touched, the output unit 38 outputs the map information A to the print unit 23. The printing unit 23 prints the map information A on the receipt. The receipt on which the map information A is printed is discharged from the operation ATM2.

<Example of calculating the maximum withdrawal amount for new bills>
With reference to FIG. 9, an example of calculating the maximum withdrawal amount of a new bill will be described. The deposit balance table in FIG. 9A is the deposit balance table shown in FIG.

  As described above, when the withdrawal frequency of the new ATM2 bills increases, the new bills stored in the new bill stacker will run out early. Therefore, the restricting unit 36 calculates the upper limit of the withdrawal amount of the new bill, and restricts the withdrawal of the new bill that exceeds the calculated upper limit of the withdrawal amount.

  The ATM control unit 21 accesses the server 11. The restriction unit 36 searches the deposit balance table storage unit 14 of the server 11 and stores information on items such as balance corresponding to the user's customer number, transaction frequency, account duration, loan contract, utility fee, and new bill usage frequency. To get. The acquired information is information indicating the transaction status of the user.

  FIGS. 9B to 9F show an example of evaluation points used as a reference when calculating the maximum withdrawal amount of a new bill. The restricting unit 36 calculates the upper limit amount of withdrawal of the new bill based on the evaluation score and the acquired information of each item. 9B to 9F, “5” is the highest evaluation score and “1” is the lowest.

  FIG. 9B shows an example of evaluation points for transaction frequency. As shown in FIG. 9B, the evaluation score increases as the transaction frequency increases. FIG. 9C shows an example of an evaluation score of a loan contract. When there is a loan contract corresponding to the account number, the evaluation score is high, and when there is no loan contract, the evaluation score is low.

  FIG. 9D shows an example of evaluation points for utility charges. When there is a public fee (withdrawal) corresponding to the account number, the evaluation point is high, and when there is no public fee (withdrawal), the evaluation point is low.

  FIG. 9E shows an example of evaluation points for the account duration. As shown in FIG. 9E, the evaluation score increases as the account continuation period becomes longer. FIG. 9F shows an example of an evaluation score for new bill usage frequency. As shown in FIG. 9F, the evaluation score increases as the frequency of new bill usage increases.

The restricting unit 36 searches the balance deposit table, acquires each of the above items, and calculates the maximum withdrawal amount of the new bill based on the following equation (1).
“Upper limit for withdrawal of new bills = Balance × (Total evaluation score / (Number of items × Full score))” (1)
For example, the acquired balance is “1 million yen”, the transaction frequency is “four times a month”, the account duration is “15 years”, the loan contract is “Yes”, the utility bill is “No”, and the new bill usage frequency is Assume a case of “once every six months”.

  In this case, the transaction frequency rating score is “3 points”, the account duration rating score is “4 points”, the loan contract rating score is “5 points”, and the utility bill rating score is “ “0 points”, and the evaluation score of the new bill usage frequency is “4 points”. The number of items is “5” and the perfect score is “5 points”.

In this case, the limiting unit 36 performs the following calculation.
"Million yen x ((3 + 4 + 5 + 0 + 4) / (5x5)) = 640,000 yen"
Therefore, the restricting unit 36 sets the upper limit amount of withdrawal of new bills to “640,000 yen”. The upper limit amount of withdrawal of the new bill may be an upper limit amount that can be withdrawn during a predetermined period. Hereinafter, it is assumed that the upper limit amount of withdrawal of a new bill is the upper limit amount that can be withdrawn in “one day”.

  In the above case, the withdrawal amount of the new bill is limited to “640,000 yen” in the account balance “1 million yen”. Since a certain limit is set for the withdrawal amount of the new bill, it is possible to avoid a shortage of new bills stored in the new bill dedicated stacker.

  In the above case, the maximum withdrawal amount of the new bill changes according to the information indicating the transaction status of the user. For example, as the account continuation period corresponding to the user number of the user becomes longer, the upper limit for the withdrawal of new bills becomes higher for the user. In this case, a user with a long account duration is favored over a user with a short account duration.

<Flowchart showing an example of processing flow of embodiment>
Next, an example of the processing flow of the embodiment will be described. For example, the user performs various operations related to transactions according to the screen displayed on the touch panel display 22 of the operation ATM2. The input unit 37 receives the operation.

  As described above, certain restrictions are placed on the withdrawal of new bills according to the customer's customer number. The ATM control unit 21 accesses the server 11 via the bank network 4 or the like. The restricting unit 36 accesses the server 11 and searches the balance deposit table (step S1).

  At this time, the restricting unit 36 retrieves information on items of the balance, transaction frequency, account duration, loan contract, utility fee, and new bill usage frequency corresponding to the customer number of the user who operates the operation ATM2, Get information about each item.

  For example, the restriction unit 36 calculates the new bill withdrawal upper limit based on the above-described equation (1) (step S2). Thereby, the upper limit of the withdrawal amount of a new bill is set according to the transaction status of the user. Note that the new bill withdrawal upper limit may be set to a fixed amount regardless of the transaction status of the user.

  The output unit 38 outputs the calculation result (new bill withdrawal upper limit) to the touch panel display 22, whereby the new bill withdrawal upper limit is displayed on the screen of the touch panel display 22 (step S3).

  When the calculation result is “0” (YES in step S4), the upper limit amount of the new bill withdrawal is “0 yen”. In this case, since a user operating the operation ATM2 is not allowed to withdraw a new bill, the withdrawal control unit 35 performs a control for dispensing a bill other than the new bill (step S5).

  For example, the withdrawal control unit 35 performs control to output a number of banknotes corresponding to the amount specified by the user from a stacker that stores banknotes other than new bills. With this control, banknotes other than new bills are withdrawn.

  When the above calculation result is not “0” (NO in step S4), the withdrawal control unit 35 allows the withdrawal of a new bill. And the input part 37 receives designation | designated of the withdrawal amount of a new bill (step S6). The designation is a new bill withdrawal instruction. The withdrawal amount of the new bill is designated by an input operation on the touch panel display 22.

  The specifying unit 33 specifies the number of banknotes stored in the new bill stacker of the operation ATM2. The processing unit 32 determines whether the number of banknotes corresponding to the specified withdrawal amount of the new bill is equal to or greater than the specified number of banknotes. That is, the processing unit 32 determines whether there is stock (step S7).

  In the case of YES in step S7, the withdrawal control unit 35 performs control to withdraw the number of new bills corresponding to the withdrawal amount specified in step S6 (step S8). This is because, in the case of YES in step S7, the operation ATM2 can respond to the transaction according to the user's request.

  However, when the calculation result of step S3 is less than the monetary value of one new bill specified in step S6, the withdrawal control unit 35 does not allow the withdrawal of the new bill.

  For example, it is assumed that the calculation result is “5 hundred yen” and the input unit 37 receives an instruction to draw out five thousand yen bills of a new bill. In this case, since the calculation result “5 hundred yen” is less than the monetary value of the 10,000 yen banknote, the withdrawal control unit 35 does not allow the withdrawal of the 10,000 yen banknote of the new bill.

  As described above, the specifying unit 33 specifies the number of banknotes stored in the new note stacker built in the operation ATM 2. The ATM control unit 21 may transmit a replenishment request for replenishing a new bill to the bank main computer 3 when the number of specified banknotes is equal to or less than a predetermined number. The replenishment request may be transmitted to the bank main computer 3 at an arbitrary timing.

  If NO in step S7, the processing unit 32 detects that some or all of the requested transactions cannot be handled. This is because the number of new bills stored in the new bill dedicated stacker of operation ATM2 is less than the designated number.

  Then, the ATM control unit 21 determines whether there is designation of withdrawal on the day (step S9). For example, when the “necessary” button is touched on the screen of “Do you need today's withdrawal?” Displayed on the touch panel display 22, the ATM control unit 21 determines that the withdrawal is specified on the day. May be.

  Moreover, when the “unnecessary” button is touched on the screen, the ATM control unit 21 may determine that the withdrawal is not designated on the day.

  In the case of NO in step S9, the withdrawal control unit 35 performs control to withdraw banknotes other than new bills. In this case, the ATM control unit 21 performs control for dispensing the number of banknotes (banknotes other than new ones) specified in step S6.

  If YES in step S9, the process proceeds to “A”. The processes after “A” will be described with reference to FIG. The ATM control unit 21 accesses the server 11 via the bank network 4 or the like, and searches the attribute information table (step S10).

  The ATM control unit 21 acquires information on each item such as age corresponding to the user's customer number in the attribute information table. The acquired information such as age indicates a user attribute. The output unit 38 determines whether to output other ATM2 location information according to the acquired attribute information (step S11).

  This determination will be described with reference to the example of FIG. Based on the acquired information, the output unit 38 determines whether the user's age is equal to or greater than a predetermined age (step S11-1). The predetermined age may be arbitrarily set to the age. Hereinafter, it is assumed that a user who is older than a predetermined age is an elderly person.

  If YES in step S11-1, the output unit 38 determines not to output information indicating the location of another ATM 2 (step S11-2). As described above, map information indicating the location of another ATM 2 that can handle the transaction requested by the user is output to either one or both of the touch panel display 22 and the printing unit 23.

  In the case of an elderly person, it may be difficult to reach other ATMs 2 described above. Therefore, when it is determined YES in step S11-1, the output unit 38 determines not to output the map information indicating the location of the other ATM 2 (step S11-2).

  On the other hand, when the user who operates operation ATM2 is not an elderly person, it is assumed that it is not difficult to go to said other ATM2. Therefore, when it determines with NO at step S11-2, the output part 38 will determine with outputting the map information which shows the place of other ATM2 (step S11-3).

  As described above, the ATM control unit 21 acquires information on each item corresponding to the customer number in the attribute information table. For example, the ATM control unit 21 acquires health state information corresponding to the customer number.

  Even if it determines with the output part 38 not outputting the map information which shows the place of said other ATM2 when the information of the acquired health state shows that a user's health state (for example, state regarding walking) is bad. Good. This is because it is assumed that it is difficult for the user to go to the other ATM2.

  If the family related information corresponding to the customer number indicates that the user's family structure includes a young child, the output unit 38 determines not to output the map information indicating the location of the other ATM2. May be. This is because it is assumed that it is difficult for a user with a young child to go to the other ATM2.

  Moreover, when the information regarding the complaint corresponding to the customer number indicates that the complaint has been filed in the past, the output unit 38 may determine to output the map information indicating the location of the other ATM2. This is because if the user cannot respond to the requested transaction, the user may file a complaint again.

  In addition, when the information related to “sticky” corresponding to the customer information indicates that there is no sticking to the new bill, the output unit 38 may determine that the map information indicating the location of the other ATM 2 is not output. . In this case, other ATM2 ground information is not presented to the user who is not particular about the new bill. Thereby, it is suppressed that a new note banknote is pulled out from other ATM2.

  Further, when the information regarding the staff corresponding to the customer information indicates that the staff of the bank (the bank operating the bank main computer 3), the output unit 38 outputs the map information indicating the location of the other ATM2. You may decide not to. For example, it is assumed that the user is prioritized over the bank staff.

  When the information about the wedding in the near future corresponding to the customer information indicates that the wedding is scheduled to attend the wedding in the near future, the output unit 38 outputs the map information indicating the location of the other ATM2. You may judge. This is because it is assumed that the user needs a new bill.

  Further, when the information regarding the upcoming delivery plan corresponding to the customer information indicates that the user identified by the customer number or the spouse of the user has a upcoming delivery plan, the output unit 38 You may determine with outputting the map information which shows the place of other ATM2. This is because it is assumed that the user needs a new bill.

  Next, when it is determined in step S11 in FIG. 11 that the output unit 38 does not output map information indicating the location of another ATM 2 (NO in step S12), the process proceeds from “C” to step S5 in FIG. . In this case, banknotes other than new bills are withdrawn.

  In step S11 of FIG. 11, when the output unit 38 determines that the map information indicating the location of another ATM 2 is output (YES in step S12), the ATM control unit 21 sends the information to the server 11 via the bank network 4 or the like. to access. The processing unit 32 searches the ATM information table (step S13).

  An example of the search process in step S13 will be described with reference to the flowchart in FIG. The processing unit 32 specifies another ATM number belonging to the same area as the own ATM number of the operation ATM 2 in the ATM information table (step S21).

  When there are a plurality of other specified ATM numbers, the processing unit 32 sorts the items in the ATM information table in ascending order of distance (step S22).

  As described above, in step S6, the input unit 37 accepts designation of the withdrawal amount of the new bill. The processing unit 32 determines, in order from the shortest distance sorted in step S22, whether the number of other stocks is equal to or greater than the number of new bills corresponding to the specified new bill withdrawal amount (step S23). ).

  In the case of YES in step S23, the processing unit 32 indicates that there is another ATM2 (ATM2 that can handle the requested transaction) holding a specified number or more of new cards within a predetermined range from the position of the operation ATM2. Determination is made (step S24).

  In the case of NO in step S23, the processing unit 32 determines whether all other specified ATM numbers have been searched (step S25). If NO in step S25, the process returns to step S23, and the ATM control unit 21 performs the determination process of step S23 on the other ATM number corresponding to the next sorted distance.

  In the case of NO in step S25, the processing unit 32 has no other ATM2 (ATM2 that can handle the requested transaction) that holds a specified number or more of new cards within a predetermined range from the position of the operation ATM2. Determination is made (step S26).

  In the search processing in steps S21 to S26 described above, the search target is narrowed down to other ATMs 2 belonging to the same area as the operation ATM 2, and then it is determined whether the number of other stocks is equal to or greater than the number of designated new tags. It is.

  For example, after the processing unit 32 specifies another ATM number in the ATM information table that is equal to or greater than the number of new bills for which the number of other stocks is specified, the same area as the own ATM number among the specified other ATM numbers. Other ATM numbers belonging to the ID may be specified.

  As shown in FIG. 11, the ATM control unit 21 determines whether there is another ATM 2 that holds a specified number or more of new cards within a predetermined range from the position of the operation ATM 2 (step S <b> 14).

  If YES in step S14 (YES in step S23 described above), the output unit 38 outputs map information indicating the location of another ATM 2 based on the determination result of the processing unit 32 (step S15).

  In the case of NO in step S14 (in the case of YES in step S25 described above), the output unit 38 has no other ATM2 that can be handled within a predetermined range from the position of the operation ATM2 based on the determination result of the processing unit 32. Information indicating this is output to the touch panel display 22.

  The touch panel display 22 performs display based on the input information (display that there is no ATM that can be handled nearby) (step S16). Then, the process proceeds from “C” to step S5 in FIG. After step S5, step S8 or step S15 is performed, the process ends.

  In the determination process of step S11 among the above processes, the output unit 38 determines not to output map information indicating the location of another ATM 2 when the age corresponding to the user's customer number is above a predetermined age.

  For example, even if the user's age is greater than or equal to a predetermined age (elderly), if the other ATM 2 is located near the operation ATM 2 (within a predetermined range), the output unit 38 may change the location of the other ATM 2 It may be determined that map information indicating is output.

  FIG. 14 is a flowchart illustrating another example of the determination process. Each step shown in FIG. 14 corresponds to each step described above.

  The output part 38 determines whether a user's age is more than predetermined age (step S11-1). If YES in step S11-1, the processing unit 32 searches the ATM information table (step S13).

  Based on the search result, the output unit 38 determines whether there is an ATM 2 that can handle the requested transaction within a predetermined range from the operation ATM 2 (step S14). If YES in step S14, the output unit 38 determines to output information indicating the location of another ATM 2 (step S11-3).

  Similarly, in the case of NO in step S11-1, the output unit 38 determines to output map information indicating the location of another ATM 2 (step S11-3). In the case of NO in step S14, the output unit 38 determines not to output map information indicating the location of another ATM 2 (step S11-2).

  Therefore, even if the user's age is greater than or equal to the predetermined age, if another ATM 2 is located near the operation ATM 2, map information indicating the location of the other ATM 2 is output.

  For example, even if the user is an elderly person, when another ATM 2 that can respond to the user's request is located near the operation ATM 2, it is preferable to present map information indicating the location of the other ATM 2.

  Further, when searching the ATM information table, the processing unit 32 can acquire the map information of another ATM 2 that can respond to the requested transaction and is located closest to the operation ATM 2, and the output unit 38 The map information is preferably output.

  In the above embodiment, the ATM control unit 21 may acquire information on each item corresponding to its own ATM number from the ATM information table and store it in the storage unit 34. In this case, each process described above is performed in the ATM control unit 21 based on the information stored in the storage unit 34.

<Modification>
Next, an example of the processing flow of the modification will be described with reference to the flowchart of FIG. The flowchart in FIG. 15 is a flow of processing performed by the server control unit 13. The server control unit 13 collects information indicating the number of new bills held by each ATM 2 via the bank network 4 or the like (step S31).

  The server control unit 13 updates the ATM information table according to the collected information indicating the number of new tags held by each ATM 2 (step S32).

  When the input unit 37 of the operation ATM2 accepts the input of the withdrawal amount of the new bill, the ATM control unit 21 indicates the location of another ATM 2 capable of handling the withdrawal of the new bill corresponding to the withdrawal amount of the new bill. An information acquisition request for acquiring information is transmitted to the server 11.

  The server control unit 13 determines whether the information acquisition request has been received (step S33). If NO in step S33, the server control unit 13 searches the ATM information table. The received information acquisition request includes information indicating the own ATM number identifying the operation ATM 2 and information indicating the number of dispensed new bills.

  Based on the information acquisition request received from the operation ATM 2 in the ATM information table, the server control unit 13 has another ATM number equal to or greater than the specified number of withdrawals of the new bill, and the own ATM number. Other ATM numbers belonging to the same area are searched (step S34).

  The server control unit 13 performs control to transmit the search result to the operation ATM2 (requesting ATM2). If another ATM number is specified as a result of the search in step S34, the server control unit 13 performs control to transmit the search result including the screen display content and map information corresponding to the other ATM number to the operation ATM2.

  If no other ATM number is specified as a result of the search in step S34, the server control unit 13 transmits to the operation ATM2 a search result indicating that there is no other ATM2 that can handle the requested transaction near the operation ATM2. Control.

  The output unit 38 of the operation ATM2 performs information output control according to the search result. When the screen display content and the map information are included in the search result, the output unit 38 outputs the map information. When the search result indicates that there is no other ATM 2 that can respond to the requested transaction near the operation ATM 2, the output unit 38 outputs information indicating that there is no other ATM 2 that can be supported.

<Example of hardware configuration of ATM control unit>
Next, an example of the hardware configuration of the ATM control unit 21 will be described with reference to the example of FIG. As shown in the example of FIG. 16, a processor 111, a random access memory (RAM) 112, and a read only memory (ROM) 113 are connected to the bus 100. An auxiliary storage device 114, a medium connection unit 115, and a communication interface 116 are connected to the bus 100.

  The processor 111 executes a program expanded in the RAM 112. As a program to be executed, a program for performing processing in the embodiment or the modification may be applied.

  The ROM 113 is a non-volatile storage device that stores programs developed in the RAM 112. The auxiliary storage device 114 is a storage device that stores various information, and for example, a hard disk drive, a semiconductor memory, or the like may be applied. The medium connection unit 115 is provided so as to be connectable to the portable recording medium 120.

  As the portable recording medium 120, a portable memory (for example, a semiconductor memory), an optical disk (for example, a Compact Disc (CD), a Digital Versatile Disc (DVD)), or the like may be applied. A program for performing the processing of the embodiment or the modification may be recorded on the portable recording medium 120. The communication interface 116 is an interface that communicates with an external network.

  Of the ATM control unit 21, the communication unit 31 may be realized by the communication interface 116. The storage unit 34 may be realized by the RAM 112, the auxiliary storage device 114, or the like.

  The processing unit 32, the specifying unit 33, the withdrawal control unit 35, the limiting unit 36, the input unit 37, and the output unit 38 may be realized by the processor 111 executing a given program.

  The RAM 112, the ROM 113, the auxiliary storage device 114, and the portable recording medium 120 are all examples of a tangible storage medium that can be read by a computer. These tangible storage media are not temporary media such as signal carriers.

<Example of server hardware configuration>
Next, an example of the hardware configuration of the server 11 will be described with reference to the example of FIG. As illustrated in the example of FIG. 17, a processor 211, a RAM 212, and a ROM 213 are connected to the bus 200. The auxiliary storage device 214, the medium connection unit 215, and the communication interface 216 are connected to the bus 200.

  The processor 211 executes the program expanded in the RAM 212. As a program to be executed, a program for performing processing in the embodiment or the modification may be applied.

  The ROM 213 is a non-volatile storage device that stores programs developed in the RAM 212. The auxiliary storage device 214 is a storage device that stores various information, and for example, a hard disk drive, a semiconductor memory, or the like may be applied. The medium connection unit 215 is provided so as to be connectable to the portable recording medium 220.

  As the portable recording medium 220, a portable memory (for example, a semiconductor memory), an optical disk (for example, a CD or a DVD), or the like may be applied. A program for performing the processing of the embodiment or the modification may be recorded on the portable recording medium 220. The communication interface 216 is an interface that communicates with an external network.

  The server control unit 13 may be realized by the processor 211 executing a given program. The deposit balance table, the attribute information table, and the ATM information table may be stored in the auxiliary storage device 214, for example.

  The RAM 212, the ROM 213, the auxiliary storage device 214, and the portable recording medium 220 are all examples of a tangible storage medium that can be read by a computer. These tangible storage media are not temporary media such as signal carriers.

<Others>
The present embodiment and modification examples are not limited to the above-described embodiment, and various configurations or embodiments can be employed without departing from the gist of the present embodiment and modification examples.

1 System 2 ATM
3 Bank Main Computer 3A Ledger Data 4 Bank Network 5 Contact Center 5N Internal Network 11 Server 12 Terminal 13 Server Control Unit 14 Balance Deposit Table Storage Unit 15 Attribute Information Table Storage Unit 16 ATM Information Table Storage Unit 21 ATM Control Unit 22 Touch Panel Display 23 Printing unit 31 Communication unit 32 Processing unit 33 Identification unit 34 Storage unit 35 Withdrawal control unit 36 Restriction unit 37 Input unit 38 Output unit 111, 211 Processor 112, 212 RAM
113, 213 ROM

Claims (10)

In an automated teller machine,
When it detects that it cannot respond to part or all of the requested transaction, a processing unit that searches for other automatic teller machines that can be supported,
An output unit that controls the output of information indicating the location of another automated teller machine identified by the search; and
An automatic teller machine characterized by comprising: An input unit for accepting a new bill withdrawal instruction;
A specific unit for specifying the number of new bills held by the automatic teller machine;
With
Detecting that some or all of the requested transactions cannot be handled depends on whether the number of new bills specified is less than the number of new bills corresponding to the amount specified in the withdrawal instruction. Detected
The automatic teller machine according to claim 1, wherein: The output unit controls output of information indicating a location of the other automatic teller machine based on attribute information related to an attribute of a specific user.
The automatic teller machine according to claim 1 or 2, characterized in that: The output unit does not output information indicating the location of the other automatic teller machine when the age of the specific user indicated by the attribute information is a predetermined age or more.
The automatic teller machine according to claim 3. The output unit is located within a predetermined range from the automatic teller machine among the other automatic teller machines when the age of the user indicated by the attribute information related to the attribute of the specific user is a predetermined age or more. Output information indicating the location of only the automated teller machine,
The automatic teller machine according to claim 3. The output unit outputs information indicating a location of the automatic teller machine closest to the automatic teller machine among the automatic teller machines located within the predetermined range;
The automatic teller machine according to claim 5, wherein: Based on the information indicating the transaction status of the specific user, a limiting unit that limits the number of new bills that can be withdrawn,
The automatic teller machine according to any one of claims 3 to 6, further comprising: If it detects that some or all of the requested transactions can't be handled, it will search for other automated teller machines that are available,
Control the output of information indicating the location of other automated teller machines identified by the search,
An output control method, wherein a computer executes processing. If it detects that some or all of the requested transactions can't be handled, it will search for other automated teller machines that are available,
Control the output of information indicating the location of other automated teller machines identified by the search,
An output control program for causing a computer to execute processing. When information indicating that some or all of the requested transactions cannot be handled is received from the automated teller machine, other available cash teller machines are searched and other cash specified by the search is obtained. A control unit that performs control to transmit information indicating the location of the automatic teller machine to the automatic teller machine;
A server comprising:

Images