JP5206051B2 - Automatic transaction apparatus, automatic transaction system and program for displaying auxiliary information for assisting operation - Google Patents

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction system, and a program for displaying information for guiding a transaction operation on a screen when a user uses an automatic transaction apparatus of a financial institution.

  In a conventional automatic transaction apparatus, an operation procedure for a user to perform a financial transaction is explained on the screen using sentences and pictures. However, if the user does not know what to do next in the explanation, contact the person in charge such as the bank staff who manages the automatic transaction device by telephone to receive a detailed explanation. Was.

  By contacting by telephone or the like, an explanation of the operation procedure of the automatic transaction apparatus can be received from the responder by voice such as telephone, but eventually the user has to operate the automatic transaction apparatus. For this reason, if the user cannot understand even if the explanation is received by voice such as a telephone call, the user will not be able to terminate the transaction unless the corresponding person comes to the spot.

  Therefore, Patent Document 1 describes that a responder responds to a user by using video / audio transmission / reception means such as a television (TV) telephone system, instead of only sound such as a telephone. .

  The video / audio transmission / reception means includes a camera for photographing the user, a screen (display means) for projecting the corresponding person, a microphone for inputting the user's voice, and a speaker for outputting the corresponding person's voice to the automatic transaction apparatus. And a transmission device for transmitting and receiving video and audio. Furthermore, in the terminal device on the responder side, similarly to the automatic transaction apparatus, a camera for photographing the responder, a screen (display means) for projecting the user, a microphone for inputting the voice of the responder, and the user's A headset with a speaker that outputs audio and a transmission device that transmits and receives video and audio are required.

Japanese Patent Laid-Open No. 10-334309 JP-A-10-261139

  However, if all the information related to the operation procedure necessary for performing the transaction is displayed on the screen, the amount of information displayed on the screen for performing one operation becomes enormous, and the operation procedure may be difficult to understand.

  Moreover, although the operation procedure required for performing a transaction is displayed in text on the screen of the automatic transaction apparatus, the operation procedure may be complicated and difficult to understand. As a result, the transaction time per transaction may be longer.

  Moreover, the description of the operation procedure displayed using sentences and pictures on the screen of the automatic transaction apparatus is simplified, and it is not always easy. Therefore, the operation procedure may be complicated and difficult to understand, and it takes time until the transaction operation is completed.

  Then, this invention aims at providing the means which can display transaction operation assistance information on a screen, without complicating the transaction operation performed on the screen of an automatic transaction apparatus.

To achieve the above object, an automatic transaction apparatus according to claim 1 includes a display unit for displaying information on a screen divided into a main window and a sub window, transaction operation guide information , operation explanation information, and advertisement information. a storage unit for storing the transaction assist information composed of, the said obtains the transaction operation guidance information from the storage unit, provides the acquired the transaction operation guidance information on the display unit as the information to be displayed on the main window a first control unit, the acquires the transaction operation auxiliary information from said storage unit, a second control unit for providing the acquired the transaction assist information on the display unit as the information to be displayed on the sub-window, the user and an input unit for accepting input information from the input section, characterized by receiving an input of information for selecting the display of the advertising information and the operation explanation data To.

  According to such a configuration, since the transaction operation auxiliary information is not displayed around the button used for performing the transaction displayed on the main window, the transaction operation is not complicated.

Automatic transaction apparatus according to claim 2, an automatic transaction apparatus according to claim 1, the entering-force unit, the operation description information and of the information for selecting the display of any hand with advertisement information It is characterized by accepting input.

An automatic transaction apparatus according to a third aspect is the automatic transaction apparatus according to the first aspect , wherein the second control unit is configured to display the operation description according to an input indicating that the operation description information is displayed from the input unit. Operation explanation information providing means for providing information to the display section, advertisement information providing means for providing the advertisement information to the display section by input to display the advertisement information from the input section, and the input section Screen switching means for providing, to the display unit, operation explanation information corresponding to the operation explanation information displayed on the display unit and the input screen switching information by inputting the screen switching information from the display unit. Features.

  An automatic transaction system according to a fourth aspect includes the automatic transaction apparatus according to any one of the first to third aspects and a server connected to the automatic transaction apparatus so as to be communicable. .

Automatic transaction system according to claim 5 is the automatic transaction system according to claim 4, wherein the server comprises a server distribution unit for streaming the advertisement information, the automatic transaction apparatus, the server distribution unit the store advertising information in the storage unit received from the second control unit, characterized in that providing the advertisement information stored in the storage unit on the display unit as the information to be displayed on the sub-window And

The automatic transaction program according to claim 6 includes transaction operation guide information stored in the storage unit and transaction operation auxiliary information including operation explanation information and advertisement information based on input information input by the user to the input unit. a program for causing a computer to execute the automatic transaction apparatus to be displayed on the display unit, based on the input information, the first control unit acquires the transaction operation guidance information from the storage unit, the transaction operation guidance information a step of displaying on the display unit, based on the input information, the second control unit acquires information for selecting the display of the advertising information and the operation explanation data, the selected from the memory unit operation described consisting information and advertisement information to get the transaction operation auxiliary information, and providing the transaction assist information on the display unit, on the display unit, the main window The screen that is divided into a sub-window, wherein the executing the transaction operation guidance information to said main window, a step of causing display the transaction assist information to said sub-window, a.

  ADVANTAGE OF THE INVENTION According to this invention, the automatic transaction apparatus, the automatic transaction system, and program which display transaction operation assistance information on a screen can be provided, without making the transaction operation performed on the screen of an automatic transaction apparatus complicated.

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

  FIG. 1 is an external view of an automatic transaction apparatus according to an embodiment of the present invention, FIG. 2 is a view showing a display screen of the automatic transaction apparatus, and FIG. 3 (a) is displayed in a subwindow. FIG. 3B is a diagram showing the advertisement information displayed in the sub-window, and FIG. 4 is an automatic diagram including the automatic transaction apparatus according to the embodiment of the present invention. FIG. 5 is a block diagram showing a transaction system, and FIG. 5 is a flowchart showing a transaction procedure in a sub-window of the automatic transaction apparatus according to an embodiment of the present invention.

  In FIG. 1, an automatic transaction apparatus 1 is installed in a store such as a financial institution or a store such as a post office or a convenience store, and automatically performs financial transactions such as depositing cash with a user.

  The ATM screen 2 is composed of a CRT, a liquid crystal panel, or the like, and the screen is divided into a plurality of independent display areas by the function of the display unit 5 described later. For example, as shown in FIG. 2, the ATM screen 2 is divided into a main window 3 and a sub window 4.

The main window 3 is divided into a main screen 3a, an operation explanation button 3b, and an advertisement button 3c.
On the main screen 3a, transaction operation guidance information 31 (FIG. 4) such as a general automatic transaction apparatus operation guidance and an account balance is displayed.

  When the operation explanation button 3 b is pressed by the user, transaction operation assistance information 41 (FIG. 4) described later is displayed in the sub window 4.

  When the user presses the advertisement button 3c, advertisement information 43 (FIG. 4) described later is displayed in the sub window 4.

  The sub window 4 displays transaction operation auxiliary information 41 related to the transaction operation guide information 31 displayed on the main window 3. The transaction operation assistance information 41 includes, for example, screen explanation information about a screen for inputting a transfer amount displayed on the sub screen 4a shown in FIG. 3A, and “transfer at once” displayed on the sub sentence display area 4b. The maximum amount of money that can be transferred is 200,000 yen. ”, And the sub-window 4 includes product information, event information, and bank information in partnership with the company. The moving image or still image advertisement information 43 related to the notification information such as a temporary holiday is displayed.

  In the sub window 4, a next screen switching button 4c and a previous screen switching button 4d are displayed.

  When the next screen switching button 4c is pressed by the user, the transaction operation assistance information 41 of the transaction operation performed next to the transaction operation assistance information 41 currently displayed is displayed in the subwindow 4.

  When the user presses the previous screen switching button 4d, the sub window 4 displays the transaction operation auxiliary information 41 of the transaction operation performed before the transaction operation auxiliary information 41 currently displayed.

A sub-screen switching button 4e (for example, a “cancel” button at the upper right of the sub-screen 4a in FIG. 3A) displayed on the sub-screen 4a of the sub-window 4 and included in the screen description information can be pressed. By pressing the sub-screen switching button 4e, the transaction operation auxiliary information 41 corresponding to the sub-screen switching button 4e can be displayed on the sub-window 4.
Thereby, the same operation as the transaction operation performed in the main window 3 can be performed also in the sub screen 4a.

  A scroll bar 4 f can be provided in the sub text display area 4 b of the sub window 4. As a result, even when the operation explanation information 42 displayed in the sub-sentence display area 4b is large, all the information can be read by moving the scroll bar 4f.

  FIG. 4 shows a configuration of an automatic transaction system 100 in which the automatic transaction apparatus 1 according to the present invention is connected to the center 60 via the communication line 50.

  The display unit 11 divides the ATM screen 2 into a plurality of independent display areas. In the embodiment of the present invention, the ATM screen 2 is divided into a main window 3 and a sub-window 4 as shown in FIG. 1, and information is displayed in each window. Then, the display unit 11 enlarges or reduces the entire screen (main screen 3a, sub-screen 4a) displayed in each display area so that the plurality of display areas do not overlap each other on the ATM screen 2. To display. As a result, as shown in FIG. 2, the main window 3 and the sub window 4 can be displayed in the respective display areas without overlapping the main window 3 and the sub window 4 on the ATM screen 2. it can.

  The input unit 12 is an infrared touch panel or the like, and when the user touches the input unit 12 (ATM screen 2), the touched coordinates are input. A button image is displayed on the display unit 11, and when the user touches the input unit 12, information such as numbers and transaction items displayed on the button image is input.

  The storage unit 13 stores programs executed by the main control unit 14 (first control unit) and the sub-control unit 15 (second control unit), various data used during execution, execution results, and the like. .

  Further, the storage unit 13 stores information on the corresponding screen DB 21, transaction operation guidance information 31, and transaction operation auxiliary information 41.

  Here, the transaction operation guide information 31 stored in the storage unit 13 is information displayed on the main window 3. For example, the transaction such as withdrawal, deposit, balance inquiry, etc. shown in FIG. 2 is selected. This is screen information. The transaction operation auxiliary information 41 is information displayed in the subwindow 4.

  The transaction operation guide information 31 and the transaction operation auxiliary information 41 are the button names and title names of the display parts such as the screen background of the operation guide screen, the character buttons and the operation buttons, and the input content display column for displaying the input amount. Text data, part illustrations consisting of the shape and display color of the display frame, guidance message data for displaying guidance words for transaction operations on the transaction screen, and each screen preset in correspondence with the transaction screen This is information including a screen configuration table describing a screen configuration including a screen background, guidance message data and necessary display components, and coordinate areas on the screen for displaying them. Information displayed in the main window 3 or the sub window 4 by one operation is stored in the storage unit 13 in units of screens.

  And the memory | storage part 13 memorize | stores the main screen identifier which uniquely determines the transaction operation guidance information 31 per screen, and the sub screen identifier which uniquely determines the transaction operation assistance information 41 per screen.

  The corresponding screen DB 21 is a database that associates the main screen identifier, the sub screen identifier, and the transaction operation auxiliary information 41.

  The main control unit 14 includes transaction operation means performed in a main window 3 provided in a general automatic transaction apparatus, means for acquiring coordinate data input to the input unit 12 by a user, and the coordinate data is stored in the main window. Means for determining whether or not 3 is within the area to be displayed and, if the main window 3 is outside the area to be displayed, the coordinate data and the transaction operation guidance information displayed in the main window 3 The main screen identifier 31, information indicating that the operation explanation button 3 b has been pressed, and information indicating that the advertisement button 3 c has been pressed are provided to the sub-control unit 15.

  The sub-control unit 15 receives the coordinate data from the main control unit 14, the main screen identifier of the transaction operation guidance information 31 displayed on the main window 3, the information indicating that the operation explanation button 3b has been pressed, the advertisement button Information indicating that 3c has been pressed is received, and operation explanation information 42 and advertisement information 43, which are transaction operation auxiliary information 41, are displayed in the sub window 4.

The center 60 includes a server 61, a content distribution unit 62, and an advertisement distribution unit 63.
The automatic transaction apparatus 1 and the server 61 are connected via the communication line 50.
The communication line 50 includes a communication unit 51 connected to the automatic transaction apparatus 1, a communication unit 52 connected to the server 61, and a network 53.
The communication unit 51 is installed in a bank store.

  Here, the network 53 may be a wired dedicated communication line network or a public communication line network, the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), or the like.

  The server 61 is a device that performs processing necessary for operating the automatic transaction apparatus 1 and stores data. For example, the server 61 authenticates passwords and stores personal information, and the data used for these processes is used as a database. Saved.

  The content distribution unit 62 is a device that distributes a program stored in the storage unit 13 and used in the automatic transaction apparatus 1. The program is stored in the server 61 and distributed at a timing such as a specific time in a time zone in which the user cannot use the automatic transaction apparatus 1, and the program of the automatic transaction apparatus 1 can be updated to the received program.

  The server may include an advertisement distribution unit 63. The advertisement distribution unit 63 distributes the advertisement information 43 to the automatic transaction apparatus 1 as a stream. The received advertisement information 43 is temporarily stored in the storage unit 13, and the sub control unit 15 reproduces the advertisement information 43 in a moving image on the sub screen 4 a of the sub window 4.

  Hereinafter, a process in which the sub control unit 15 (FIG. 4) displays information on the sub window 4 will be described with reference to the flowchart shown in FIG. 5.

  When a transaction operation is started in the main window by touching the ATM screen 2 of the automatic transaction apparatus 1 (S100), the sub-control unit 15 is included in the transaction operation auxiliary information 41 from the storage unit 13. The advertisement information 43 is acquired (S101), and the advertisement information 43 is displayed on the sub window 4 (S102).

  When it is determined that the operation explanation button 3b is pressed by the user in the main window 3 (S103, Yes), the sub control unit 15 indicates that the operation explanation button 3b is pressed from the main control unit 14. Information and the main screen identifier of the transaction operation guidance information 31 displayed on the main window 3 when the operation explanation button 3b is pressed (S105).

  On the other hand, when the operation explanation button 3b is not pressed by the user in the main window 3 (S103, No), the advertisement information 43 is displayed in the sub window 4 until it is determined that the transaction operation is finished in the main window 3. (S104, No).

  The sub-control unit 15 refers to the corresponding screen DB 21 based on the acquired main screen identifier, and acquires the operation explanation information 42 included in the transaction operation auxiliary information 41 from the corresponding sub-screen identifier (S106).

  The sub control unit 15 displays the acquired operation explanation information 42 on the sub window 4 (S107). When the operation explanation information 42 includes screen explanation information and character explanation information, the screen explanation information is displayed on the sub-screen 4a, and the character explanation information is displayed on the sub-character area 4b.

  Then, when the user presses the next screen switching button 4c, the previous screen switching button 4d, the in-sub-screen switching button 4e, or the like displayed on the sub-window 4, it is determined that the sub-screen switching operation has been performed. (S108, Yes), the sub control unit 15 acquires the sub screen identifier of the switching destination included in the displayed transaction operation auxiliary information 41, and refers to the corresponding screen DB 21. Then, using the acquired sub-screen identifier and the corresponding screen DB 21, the operation explanation information 42 included in the transaction operation auxiliary information 41 of the switching destination is acquired (S 109). Then, the process returns to step S107, and the acquired operation explanation information 42 is displayed on the sub window 4.

  On the other hand, if the sub-screen switching operation is not performed (S108, No) and it is determined that the advertisement button 3c is pressed by the user in the main window 3 (S111, Yes), the process returns to step S101, and the sub-control unit 15 acquires the advertisement information 43 included in the transaction operation auxiliary information 41 from the storage unit 6 (S101), and displays the advertisement information 43 in the sub-window 4 (S102).

  When the advertisement button 3c is not pressed by the user (S111, No), the operation explanation information 42 is displayed in the sub window 4 until the transaction operation is finished in the main window 3 (S112, No).

  When the user ends the transaction operation in the main window 3 (S112, Yes), the sub control unit 15 ends the process.

  As described above, in the automatic transaction apparatus 1 of the present invention, the information displayed in the sub window 4 is not affected by the transaction operation performed by pressing the main screen 3a in the main window 3 or the like. This is because the sub control unit 15 operates independently of the main control unit 14.

In addition, the server 61 of the center 60 may be equipped with the sub control part 15 with which the automatic transaction apparatus 1 is provided, the transaction operation assistance information 41 of the memory | storage part 13, and corresponding screen DB21.
For example, the server 61 includes the sub-control unit 15, transaction operation auxiliary information 41, and the corresponding screen DB 21. Then, the main screen identifier, coordinate data, information indicating that various buttons are pressed, and the like are acquired from the main control unit 14 via the communication unit 52, and the transaction operation auxiliary information 41 is acquired using the corresponding screen DB 21. To do. Then, the transaction operation auxiliary information 41 is transmitted to the automatic transaction apparatus 1 via the communication unit 52 and displayed on the sub window 4.

  Therefore, according to the automatic transaction apparatus 1 of this Embodiment, the user can display an operation procedure on the small screen (subwindow 4) in the ATM screen during transaction operation. And since the sub-control part 15 operate | moves independently of the main control part 14, while a user looks at the operation procedure displayed on the sub-window 4, the question which arises during transaction operation in the main window 3, Transaction operations can be performed in the main window 3. Thereby, the question which arose during transaction operation can be solved easily. Therefore, there is no need to always deploy a person in charge who can give a necessary and sufficient explanation by telephone or the like (near the place where the automatic transaction apparatus is installed), and the labor cost can be reduced.

  In the conventional method, introducing video / audio transmission / reception means such as a TV phone system to all installed automatic transaction apparatuses costs enormous costs, but according to the automatic transaction apparatus of the present embodiment, a new The cost can be kept low because it is not necessary to install a new facility and only needs to update the program.

  Since the user can confirm a series of operations until the transaction is completed, the transaction time can be shortened.

  Furthermore, since the user can receive support for operation explanations when necessary, it is possible to improve CS (Customer Satisfaction).

  The user can avoid an erroneous operation by performing an operation according to the operation description displayed on the small screen in the screen.

It is a figure which shows the automatic transaction apparatus which is one embodiment of this invention. It is a figure which shows the screen of the automatic transaction apparatus which is one embodiment of this invention. (A) It is a figure which shows the operation description information displayed on the subwindow of the automatic transaction apparatus which is one embodiment of this invention. (B) It is a figure which shows the advertisement information displayed on the subwindow 4 of the automatic transaction apparatus which is one embodiment of this invention. It is a block diagram which shows the automatic transaction system which is one embodiment of this invention. It is a flowchart which shows the transaction procedure in the subwindow of the automatic transaction apparatus which is one embodiment of this invention.

Explanation of symbols

1 Automatic transaction equipment (ATM)
2 ATM screen 3 Main window 3a Main screen 3b Operation explanation button 3c Advertising button 4 Sub window 4a Sub screen 4b Sub character display area 4c Next screen switching button 4d Previous screen switching button 4e Sub screen switching button 4f Scroll bar 11 Display unit 12 Input unit 13 Storage unit 14 Main control unit (first control unit)
15 Sub-control unit (second control unit)
16 Operation explanation information providing means 17 Advertisement information providing means 18 Image switching means 21 Corresponding screen DB
31 transaction operation guide information 41 transaction assistance information 42 operation explanation information 43 advertisement information 50 communication line 51, 52 communication unit 53 network 60 center 61 server 62 content distribution unit 63 advertisement distribution unit 100 automatic transaction system

Claims (6)

A display for displaying information on a screen divided into a main window and a sub-window;
A transaction operation guidance information, a storage unit for storing the transaction operation auxiliary information consisting Operating information and advertisement information,
A first control unit that acquires the transaction operation guide information from the storage unit and provides the acquired transaction operation guide information to the display unit as information to be displayed on the main window;
A second control unit for providing said transaction assist information acquired from the storage unit, on the display unit acquired the transaction assist information as information to be displayed on the sub-window,
An input unit that receives input of information from the user;
With
The said input part receives the input of the information which selects the display of the said operation description information and the said advertisement information, The automatic transaction apparatus characterized by the above-mentioned . The entering force unit, the automatic transaction apparatus according to claim 1, characterized in that receiving an input of information for selecting the display of any one-way between the advertisement information and the operation explanation data. The second controller is
An operation explanation information providing means for providing the operation explanation information to the display section by an input to display the operation explanation information from the input section;
Advertising information providing means for providing the advertising information to the display unit by an input to display the advertising information from the input unit;
Screen switching means for providing the display unit with operation description information corresponding to the operation description information displayed on the display unit and the input screen switching information by inputting the screen switching information from the input unit;
The automatic transaction apparatus according to claim 1 , further comprising: The automatic transaction apparatus according to any one of claims 1 to 3,
An automatic transaction system comprising: a server that is communicably connected to the automatic transaction apparatus. The server comprises a server distribution unit for streaming the advertisement information,
The automatic transaction apparatus stores the advertisement information received from the server distribution unit in the storage unit,
Said second control unit, the automatic transaction system according to claim 4, characterized in that providing the advertisement information stored in the storage unit on the display unit as the information to be displayed on the sub window. A computer of an automatic transaction apparatus that displays transaction operation guide information stored in a storage unit and transaction operation assistance information including operation explanation information and advertisement information on a display unit based on input information input by a user to the input unit A program to be executed,
A step of based on said input information, acquires the transaction operation guidance information from the previous term memory unit, providing the transaction operation guidance information on the display unit,
Based on the input information, obtain information for selecting the operation explanation information and display of the advertisement information, obtain transaction operation auxiliary information composed of the selected operation explanation information and advertisement information from the storage unit, a step of displaying the transaction assist information on the display unit,
On the display unit, in the being divided into main window and said sub-window screen, comprising the steps of: causing displaying the transaction assist information the transaction operation guidance information to said main window, the sub-window,
An automatic transaction program characterized in that

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