JP2993005B2 - Automatic transaction equipment - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to an automatic transaction apparatus, and more particularly to an automatic transaction apparatus suitable for automating purchase inquiry and sales of financial products in a financial institution.

[Conventional technology]

Conventionally, there has been no such automatic transaction apparatus, and an apparatus having a similar function is disclosed in, for example, Japanese Patent Application Laid-Open No. 61-156475.

This apparatus displays a calculation result of an interest accrued for a loan when a user intends to receive a loan in a cash dispenser (CD).

[Problems to be solved by the invention]

The prior art described above does not consider the financial situation of the user at all when the user intends to obtain a loan, and shows only the same result regardless of who operates the user.

The present invention has been made in view of the above circumstances, and an object of the present invention is to solve the above-described problem in the conventional technology (although the operation to be performed is different), and to reduce the economic situation of the user. In view of the above, it is an object of the present invention to provide an automatic transaction apparatus that enables a user to introduce a financial product including appropriate information.

[Means for solving the problem]

The object of the present invention is to provide at least a file for storing history information of transactions executed by a user in the past, a display unit for displaying contents to be operated by the user, and information required by the user for transactions. In the automatic transaction device having an input unit for inputting and a control unit for controlling each of the above means, based on the history of the user's transaction stored in the file,
A means for determining whether or not the user has purchased the financial product is provided, and when appropriate, a financial product suitable for the user is determined and displayed on the display unit. Is done.

[Action]

In the automatic transaction apparatus according to the present invention, the history of the user's deposit balance is stored, and the history of the user's past balance is investigated to determine an appropriate purchase amount and an appropriate fund management period. By setting and calculating the interest for each financial product and displaying the result, it is possible to provide information that is advantageous to the user and to provide a reference when the user selects the financial product Things.

Specifically, operation procedures to be input by the user (customer) are sequentially displayed on the display unit, and the user inputs a desired transaction type or the like in accordance with the operation procedure. From the data of the transactions made in step 2, the past deposit balance of the customer is calculated, and the interest rate of each financial product is calculated assuming a principal and a fund management period that can be used for purchasing the financial product. , Interest amount, maturity date, etc. are displayed.
The customer can select the desired product by referring to the information displayed on the display unit.

〔Example〕

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a configuration diagram of an automatic teller machine showing one embodiment of the present invention. In the figure, 1 is a main control unit for controlling the entire apparatus, 2 is a guidance display unit for displaying contents to be operated by a customer, 3 is an option displayed on the guidance display unit 2, A touch panel input mechanism for inputting by touching; a communication control unit 4 for communicating with the central device 10; a card unit 5 for receiving a customer's magnetic card; a slip unit 6 for printing and issuing a usage statement; Reference numeral 7 denotes a banknote pay-in / pay-out mechanism for paying / depositing cash, and reference numeral 8 denotes a storage unit for temporarily storing transaction operation contents. Also,
Reference numeral 9 denotes a communication medium with the above-mentioned central device 10, and reference numeral 11 denotes a transaction history file storing the past deposit balance of the customer and the transaction history.

FIG. 3 is a diagram showing an internal configuration of the transaction history file 11 in which a past deposit balance and a transaction history of a certain customer are stored. In the figure, 201 is the customer's account number, 202
Indicates a personal identification number, and 203 indicates a deposit balance (hereinafter simply referred to as “balance”) of the account of the user and history data regarding the transaction. Reference numeral 204 denotes a configuration of one transaction data. A plurality of 204 are collected and arranged in chronological order to form the history data 203 described above. Here, 205 is the date on which the transaction was performed, 206 is the transaction name, 207 is the balance after the transaction, and 205 to 207 collectively form one transaction data 204. Reference numerals 208 to 210 denote the date on which the transaction was made, the name of the transaction, and the balance after the transaction, respectively, at a point in time when the transaction was performed.

FIG. 1 is an operation flowchart showing a first embodiment in the case of purchasing a financial product in the automatic teller machine of the present invention. Hereinafter, the operation of this embodiment will be described with reference to FIGS. 1 to 3 and FIG. 4 showing an example of the guidance screen. In the following description, a procedure when a customer purchases a financial product that suits his or her preference and a process on the automatic teller machine side will be described.

First, in accordance with the guidance screen 401 (see FIG. 4 (a)) displayed on the guidance display section 2, the user inputs “purchase of financial products” as the desired transaction name from the touch panel input mechanism 3 in step 301. select.

Next, the customer inserts a card into the card section 5 (step 302) and inputs a personal identification number from the touch panel input mechanism 3 (step 303).

The main control unit 1 sends the input data to the communication control unit 4, and the communication control unit 4 transmits the data to the central device 10 via the communication medium 9 (step 304). Central device 10 searches transaction history file 11 based on the received account number (step 311), and checks whether the password included in the file matches the received password (step 312). ), And retrieves data relating to the balance of the customer's account from the transaction history file 11 (step 313).

Next, at step 314, the central device 10 checks the current balance 207
Is calculated by defining the difference between the balance 210 and a certain period before the certain period, that is, the difference between the date 205 and the date 208, as a “balance increase rate”. If the balance increase rate is equal to or less than a certain value, it is determined that the purchase of a financial instrument is not possible, and the transaction is stopped (steps 315 and 319).
Is greater than or equal to a certain value, it is determined that a financial instrument can be purchased, and in step 316, the current balance 207 is
Check whether the purchase price is higher than the purchase price of the financial instrument, and if the balance is not enough, stop the transaction (step 319).
However, if the purchase is possible, an amount obtained by subtracting a certain amount from the current balance 207 is assumed to be the purchase amount of the financial instrument, and the interest calculation at the time of maturity is performed for each financial instrument (step 31).
7). Finally, the central unit 10 includes a financial instrument name and a purchase unit,
The conditions such as the interest rate and the expiration date and the result of the interest calculation are transmitted as data to the communication control unit 4 (step 318).

In the automatic teller machine side, the main control unit 1 receives the above data (step 321), and displays the financial product name, the conditions such as the purchase unit, the interest rate, the expiration date, and the above-mentioned interest calculation result in the above-mentioned guidance display. The screen 40 shown in FIG.
2 and the user selects and inputs a desired financial product from the touch panel input mechanism 3 (step 32).
2).

Next, the main control unit 1 controls the guidance display screen 403 (fourth display).
(Refer to FIG. (C)) on the guidance display unit 2,
The user inputs the purchase price from the touch panel input mechanism 3 according to the guidance display screen 403 (step
323).

The main control unit 1 sends the input data to the communication control unit 4, and the communication control unit 4 transmits the data via the communication medium 9 to the central device.
It transmits to 10 (step 324).

The central device 10 receives this (step 331), and in accordance with the type of financial instrument and the purchase price included in the data,
At the same time as performing the financial product purchase procedure in the name of the customer,
In step 332, the funds are transferred from the user's account to the purchase merchandise account by the purchase amount.

If the transfer of funds associated with the purchase of a financial product is completed successfully,
The central device 10 transmits this to the communication control unit 4 via the communication medium 9 (step 333).

The main control unit 4 receives this (step 341), causes the slip unit 6 to issue a financial product purchase certificate in accordance with the content of the received data (step 342), and the customer receives it.

Finally, the main control unit 1 returns the card from the card unit 5 (step 343), and the transaction is completed when the customer removes the card.

According to the above embodiment, it is possible to introduce a financial instrument including appropriate information to a user in consideration of an economic situation based on a past transaction history of the user, and the user By referring to the information, the user can purchase his favorite financial product using an automatic teller machine.

In the first embodiment, the transaction history file 11 storing the past deposit balance and transaction history of the customer is
Based on the customer transaction information stored in the file and held by the central device connected to the transaction device and the communication medium,
Although an example has been described in which the central device side is configured to obtain a financial product suitable for the user, as a second embodiment, the transaction information of the customer stored in the file described above is transmitted via a communication medium. It is also possible to obtain a financial instrument suitable for the user on the transaction device side based on this information.

Further, as a third embodiment, a transaction history file storing the past deposit balance and transaction history of the customer is stored on a magnetic card or the like brought by the customer, and the customer By inserting the card into the transaction device, the information can be read out to the transaction device, and from the information, the transaction device can be configured to seek financial products suitable for the user. In this case, step 301 in FIG.
The steps 304 to 311, 317 to 317, and 321 to 323 can all be processed on the transaction device side, and the processing can be made more efficient. In the present invention, the central unit 10 and the main control unit 1 are simply referred to as a control unit.

〔The invention's effect〕

As described above in detail, according to the present invention, at least a file for storing history information of transactions executed by a user in the past, a display unit for displaying contents to be operated by the user, In an automatic transaction apparatus having an input unit for inputting information necessary for a transaction and a control unit for controlling each of the above-described units, a financial product of the user based on transaction history information of the user stored in the file. A means for determining whether or not the purchase is appropriate is provided, and when appropriate, a financial product suitable for the user is searched for and displayed on the display unit. This has a remarkable effect that an automatic transaction apparatus that can introduce a financial product containing appropriate information to a user can be realized.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of an operation flow when purchasing a financial product in the automatic teller machine of one embodiment of the present invention;
FIG. 2 is a configuration diagram of the automatic cash transaction apparatus of the embodiment, FIG. 3 is a diagram showing an internal configuration of a transaction history file in which a past deposit balance of a certain customer and a transaction history are stored, and FIG. It is a figure showing an example of a guidance screen. 1: Main control section, 2: Guidance display section, 3: Touch panel input mechanism, 4: Communication control section, 5: Card section, 6: Slip section, 7: Banknote pay-in / pay-out mechanism, 8: Storage section, 9: Communication medium , 10: Central device, 11: Transaction history file.

────────────────────────────────────────────────── ─── Continuation of the front page (56) References JP-A-61-109172 (JP, A) JP-A-60-115,963 (JP, A) (58) Fields investigated (Int. Cl. ⁶ , DB name) G07D 9/00

Claims (1)

(57) [Claims] 1. A file for storing history information of transactions executed by a user in the past, a display unit for displaying contents to be operated by the user, and an input unit for inputting information necessary for the transaction by the user. According to the balance information included in the transaction history information of the user stored in the file, it is determined whether or not the purchase of the financial product is possible, and if it is determined that the purchase is possible, the purchase is performed in light of the balance information. A control unit for displaying a financial product name of the financial product on the display unit, and controlling a user to select and input the financial product name from the input unit.