JP6665564B2 - Automatic transaction equipment and transaction system - Google Patents

Description

The present invention relates to an automatic transaction device and a transaction system.

  Automatic teller machines such as automated teller machines (ATMs) and automated teller machines (CDs) at financial institutions are installed at branches of financial institutions such as banks and stores such as convenience stores. Have been. By performing various operations on the display screen displayed on the automatic transaction device, the customer can perform transactions such as payment, withdrawal, and balance inquiry.

  The automatic transaction apparatus reads the IC, magnetic stripe, and emboss of a transaction card such as a cash card or a credit card inserted from a card insertion / ejection slot at the start of the transaction, acquires account data, and proceeds with the transaction processing. The automatic transaction device is connected to a host computer of a financial institution or the like, and appropriately communicates with the host computer (hereinafter, also simply referred to as a host).

  In an automatic transaction apparatus, for example, a user (customer) selects a desired transaction using a touch panel or the like and proceeds with the procedure. In a conventional automatic transaction apparatus, a user must know information related to a transaction, for example, a balance or a transfer fee, etc., after actually inputting transaction details (transaction details such as a transaction amount). Could not.

  That is, for example, the user inputs a transaction type, a transaction amount, and the like to the automatic transaction device, the automatic transaction device transmits the input information to the host, and the host processes the transaction to obtain a transaction result (for example, Only after submitting a transaction success or failure) can the user get information about the balance shortage or required fees.

  In addition, since a common transaction reception screen is displayed for all users, it has been difficult to improve usability and perform a smooth transaction.

  The present invention has been made in view of the above points, and enables a user to obtain information related to transaction details before inputting specific transaction details, thereby realizing a smooth transaction. It is an object of the present invention to provide an automatic transaction device and a transaction system that can perform the transaction.

The automatic transaction device of the present invention is an automatic transaction device for performing a transaction by a trader's operation, an identification information receiving unit for receiving the trader's identification information, and a plurality of transaction buttons each showing a plurality of transactions. And an information presenting unit for presenting a transaction selection screen including a customer exclusive button indicating a call for the customer exclusive screen, and selecting one of the transaction button and the customer exclusive button presented by the information presenting unit. A selection accepting unit that accepts a selection input, wherein the information presenting unit, when the customer-specific button is selected, replaces the transaction selection screen and designates a customer in advance from among the plurality of transactions. A customer-specific transaction selection screen that presents a designated transaction button indicating each of one or more transactions and presents a withdrawal limit and a balance based on customer information corresponding to the identification information. Presentation, characterized in that.

In addition, the transaction system of the present invention is an automatic transaction device that conducts a transaction by a transaction, and is communicably connected to the automatic transaction device, and customer information as information on a transaction that operates the automatic transaction device. A transaction system comprising a database having: an identification information receiving unit that receives identification information for identifying the trader; and a reception system that receives the customer information from the database based on the identification information. Unit, a plurality of transaction buttons each showing each of a plurality of transactions, and an information presenting unit that presents a transaction selection screen including a customer-specific button indicating a call of a customer-specific screen, and the information presented by the information presenting unit. A selection receiving unit that receives a selection input for selecting one of the transaction button and the customer-specific button, and The indicating unit, when the customer-specific button is selected, presents a designated transaction button indicating each of one or more transactions designated in advance by the customer among the plurality of transactions, instead of the transaction selection screen. And presenting a customer-specific transaction selection screen for presenting a withdrawal limit and a balance based on the customer information corresponding to the identification information .

It is a block diagram showing the composition of ATM as an automatic transaction device concerning the present invention. FIG. 2 is a perspective view illustrating an appearance of the ATM according to the first embodiment and a diagram illustrating a system including the ATM. 4 is a flowchart illustrating a transaction control routine according to the first embodiment. 4 is a flowchart illustrating a transaction control routine according to the first embodiment. It is a figure showing the example of a display of a display. It is a figure showing the example of a display of a display. It is a figure showing the example of a display of a display. It is a figure showing the example of a display of a display. It is a figure showing the example of a display of a display. It is a figure showing the example of a display of a display. 9 is a flowchart illustrating a transaction control routine according to the second embodiment. It is a figure showing the example of a display of a display.

  Hereinafter, an automatic transaction apparatus according to a first embodiment of the present invention will be described with reference to the accompanying drawings. FIG. 1 shows a configuration of an ATM (Automated Teller Machine) 100 as an example of an automatic transaction apparatus of the present invention. FIG. 2 shows a perspective view showing an appearance of the ATM 100 and a system 200 including the ATM 100. The ATM 100 is installed, for example, at each branch of a financial institution, and is connected to a host computer (hereinafter, also simply referred to as a host) 300 and a CRM server 400 of the financial institution, respectively.

  The operation of the ATM 100 is controlled by the control unit 11. The control unit 11 operates a selection receiving unit 11A that receives an input relating to selection of a transaction that a user (customer) wants to perform and information related to a transaction that is performed by a trader who operates the ATM 100 (hereinafter, also referred to as a user). It has an information presenting section 11B for presenting information to a user such as a user. The selection receiving unit 11A can select a predetermined transaction from various transactions based on the predetermined information, and can receive an input related to the selection of the selected transaction.

  The storage unit 12 as an information holding unit stores a hard disk, a flash memory, a solid state drive (SSD), a random access memory (RAM), or the like that appropriately stores data necessary for processing of the control unit 11 and data generated in the processing. Device.

  The communication unit 13 is an NIC (Network Interface Card) or the like for performing communication such as transmission and reception of data with the outside according to an instruction of the control unit 11. The communication unit 13 performs communication with external devices such as the host computer 300 and the CRM server 400 that occur in transaction control described later. Hereinafter, it is assumed that communication between the ATM 100 and the outside is performed via the communication unit 13.

  The operation display unit 14 is provided on the front surface of the ATM 100 as shown in FIG. The operation display unit 14 includes a display 14A as a notification unit, and a touch pad 14B as an input unit that covers a display surface of the display 14A. The display 14A is a transaction screen including various operation screens or messages based on the operation display signal supplied from the control unit 11 (a transaction selection screen which is a selection screen of a transaction type and a transaction which is a screen for inputting transaction contents). (For example, a liquid crystal display device).

  When the user touches an area corresponding to the content displayed on the display 14A, the touch pad 14B supplies an operation signal corresponding to the displayed content to the control unit 11, for example, a pressure-sensitive or electrostatic touch. It is a pad.

  The cash inlet / outlet mechanism 15 opens and closes the shutters of the bill inlet / outlet 17 and the coin inlet / outlet 19 provided on the front surface of the ATM 100 as shown in FIG. 2 according to the opening / closing control signal supplied from the control unit 11. Further, the cash input / output mechanism 15 responds to a cash withdrawal signal supplied from the control unit 11 from a cash storage (not shown) in which bills or coins are stored to an amount indicated by the cash withdrawal control signal. The corresponding bill or coin is taken out and led out to the bill inlet / outlet 17 and coin inlet / outlet 19, respectively. Further, the cash input / output mechanism 15 takes in the banknotes or coins inserted by the user into the banknote inlet / outlet 17 or the coin inlet / outlet 19 and stores them in the cash storage.

  As shown in FIG. 2, the passbook entry machine 21 takes in the customer's deposit passbook when it is inserted into the passbook insertion / ejection port 23 provided on the front face of the ATM 100. At this time, the passbook entry machine 21 writes the transaction content indicated by the transaction result signal supplied from the control unit 11, the execution date and time of the transaction, and the like in the customer's bankbook. When the writing is completed, the passbook entry machine 21 discharges the customer's bankbook from the passbook insertion / ejection port 23.

  When the customer's transaction card is inserted into the card insertion / ejection port 27 as a card insertion port provided on the front face of the ATM 100 shown in FIG. Read the information held by the transaction card. This reading is performed by reading the emboss, magnetic stripe or IC chip of the transaction card.

  The information held by the transaction card is, for example, information on the holder of the card, information on a card company issuing the transaction card or information on a financial institution such as a bank. That is, the transaction card has the identification information of the trader who operates the ATM 100. The card reading and printing machine 25 supplies the read card information to the control unit 11.

  When a card ejection signal is supplied from the control unit 11, the card reading / printing machine 25 ejects the acquired transaction card from the card insertion / ejection port 27. In addition, in response to the transaction statement print signal supplied from the control unit 11, the card reader / printer 25 prints a transaction result represented by the transaction statement print signal on a statement sheet.

  The biometric information receiving unit 28 as the identification information receiving unit includes a fingerprint authentication unit 28A and an imaging device 28B provided on the front surface of the ATM 100 as shown in FIG. The biological information receiving unit 28 receives biological information, which is identification information of a trader who operates the ATM 100, and supplies the biological information to the control unit 11.

  For example, the fingerprint authentication unit 28A can read a fingerprint of a finger inserted into the fingerprint authentication unit by the operator. Further, the imaging device 28B can capture an image of an operator who operates an ATM, and can read an iris of an eye, or capture a face image of the operator to perform image recognition, for example.

  The control unit 11 transmits the card information supplied from the card reading and printing machine 25 as the identification information of the transaction to the CRM server, and responds to the CRM server according to the transaction (for example, according to the cardholder information of the card). Request) customer information that is information. This customer information is stored in a customer information database (DB) 400A in the CRM server 400.

  In addition, together with or instead of the card information, the biometric information supplied from the biometric information receiving unit as the identification information of the trader is transmitted to the CRM server 400, and the customer information of the trader holding the biometric information is transmitted to the customer. A request may be made to DB 400A and this may be received. Further, the control unit 11 identifies the trader from the card information or the biological information, transmits the identification information obtained by the identification to the customer information DB 400A, and stores the identified trader's customer information in the customer information database (DB). ).

  The customer information includes, for example, one or a plurality of designated transactions which are selected from a plurality of transaction types by a customer who is a trader (a cardholder, etc.), or a customer's transaction history, customer's transaction orientation, etc. Contains information about the transaction. The customer information may also include other information such as the nature of the customer, the transaction in which the customer is interested, and the like.

  The control unit 11 may generate and display (present) a customer-specific transaction screen such as a selected transaction screen or a transaction content reception screen dedicated to the customer based on the customer information. Further, the control unit 11 may present information on the transaction and other information for the customer on the customer-specific transaction screen based on the customer information.

For example, the selection receiving unit 11A of the control unit 11 performs a transaction displayed on a transaction selection screen for selecting a desired transaction desired by the user from transactions such as “withdrawal”, “deposit”, and “foreign currency time deposit”. Is determined. In addition, for example, the information presenting unit 11B of the control unit 11 presents information on the determined transaction candidate, such as balance information, on the transaction selection screen based on the customer information. Further, for example, after the transaction to be executed is selected by the user, the information presenting unit 11B of the control unit 11 displays a predetermined transfer destination and a transfer fee based on the customer information on the transaction content reception screen based on the customer information. Provide information about the trades made.
[Transaction control routine]
Hereinafter, a transaction control routine of the ATM 100 will be described. 3 and 4 show a transaction control routine R1 executed by the control unit 11. The control unit 11, for example, executes a transaction control routine R1 when the power is turned on. The ATM 100 may be provided with a human sensor or the like, and the transaction control routine may be executed when it is detected that the customer has approached the ATM 100.

  As shown in FIG. 3, first, the selection receiving unit 11A of the control unit 11 displays a transaction type input receiving screen on the display 14A (step S1). The transaction type input reception screen displayed in step S1 is a display screen that prompts the customer (user) to select and enter a transaction to be performed or insert a transaction card, and is, for example, a display as shown in FIG.

  In the screen display of FIG. 5, a normal transaction selection button group A1 (within a broken line in the figure) for selecting a transaction such as "deposit", "withdrawal" or the like and displaying a common screen for all customers is displayed. Have been. In the screen display of FIG. 5, a "MyATM" button A2 is prepared as a button for transitioning to a screen dedicated to a customer who operates the ATM 100.

  After executing step S1, the control unit 11 determines whether a transaction card has been inserted (step S2). This determination may be made by determining whether or not a transaction card has been taken into the card reading / printing machine 25 from the card insertion / ejection port 27. Specifically, for example, the determination may be performed based on whether or not a sensor in the card reading and printing machine 25 detects the presence of a transaction card.

  When the controller 11 determines that the card is not loaded in step S2 (step S2: NO), the transaction type is selected, specifically, the normal transaction button group A1 (see FIG. 5) is determined (step S3).

  When determining that the transaction type is not selected in step S3 (step S3: NO), the control unit 11 determines whether the My ATM button A2 (see FIG. 5) is pressed via the touch pad 14B (see FIG. 5). Step S4). When the control unit 11 determines in step S4 that the MyATM button A2 has not been pressed, the process returns to step S2, and determines whether a card has been inserted again.

  When determining that the MyATM button has been pressed in step S4 (step S4: YES), the control unit 11 displays a card insertion request screen for prompting the customer to insert a card on the display 14A (S5). This card insertion request screen may be, for example, a screen as shown in FIG.

  After executing step S5, the control unit 11 determines whether a transaction card has been inserted (step S6). This determination may be made by determining whether or not a transaction card has been taken into the card reading / printing machine 25 from the card insertion / ejection port 27, as in step S2.

  When determining that the transaction card is not inserted in Step S6 (Step S6: NO), the control unit 11 executes Step S6 again after waiting for a certain time.

  When the controller 11 determines in step S2 that a transaction card has been inserted (step S2: YES) or determines in step S6 that a transaction card has been inserted (step S6: YES), the magnetic stripe and IC of the transaction card The chip is read and the card information carried by the transaction card is stored in the storage unit 12 (step S7). As described above, this card information is information on the holder of the card, information on a financial institution such as a card company or a bank that issues the transaction card, and the like.

  After execution of step S7, the control unit 11 causes the display to display a personal identification number reception screen, which is a screen display for prompting the customer to input a personal identification number (step S8). This screen display may be performed, for example, by displaying ten keys as shown in FIG.

  After execution of step S8, the control unit 11 determines whether or not a correct password has been input on the password reception screen (step S9). If the control unit 11 determines that the personal identification number has not been input or that the correct personal identification number has not been input (step S9: NO), the control unit 11 waits for a predetermined time, and then executes step S9 again.

  Hereinafter, FIG. 4 is also referred to in addition to FIG. If the control unit 11 determines in step S9 that the correct password has been input (step S9: YES), the control unit 11 transmits the card information read in step S7 to the CRM server 400 (see FIG. 2), and Request customer information, which is information about the holder of the customer (step S10).

  The CRM server 400 transmits the customer information stored in the customer information database to the ATM 100 in response to a request from the control unit 11. As described above, the customer information is, for example, one or more designated transactions selected from a plurality of transaction types by a customer who is the holder of the card and preset, or customer transaction history, customer transaction orientation, and the like. Contains information about the transaction.

  Further, the customer information may include other information such as the characteristics of the customer, transactions of interest to the customer, and settings for each transaction type. The setting for each transaction type includes, for example, the setting of a predetermined transfer destination in a transfer, and the predetermined deposit and withdrawal amount (for example, 10,000, 50,000, and 100,000) in depositing or withdrawing. Amount, etc.).

  After executing step S10, the control unit 11 determines whether or not customer information has been received from the CRM server 400 (step S11). If it is determined in step S11 that the customer information has not been received (step S11: NO), the control unit 11 waits for a predetermined time and then executes step S11 again.

  When determining that the customer information has been received in step S11, the information presenting unit 11B of the control unit 11 displays a screen dedicated to the customer who is currently operating the ATM 100, that is, the holder (customer) of the transaction card inserted in the ATM 100. A MyATM screen, which is a customer-specific transaction selection screen, is displayed (step S12).

  FIG. 8 shows an example of the My ATM screen. At the top of the screen, a customer message display section B1 (indicated by a broken line in the figure) for displaying a message to the card holder (customer) is provided. In FIG. 8, as an example, a message prompting the change of the card holder's name and password is displayed. This message may be a message of a publicity advertisement such as a campaign or an event announcement, or may be various other messages such as important notices to customers. This message may be a message common to all customers.

  Below the customer message display section B1, a customer-specific transaction button group B2 (within the dashed line in the figure) displaying the transaction type determined (selected) by the selection receiving section 11A of the control section 11 based on the customer information is displayed. Have been.

  The transaction included in the customer-specific transaction button group B2 may be determined by the selection receiving unit 11A based on a transaction type previously selected and set by the customer included in the customer information. Further, the transaction included in the customer-specific transaction button group B2 may be determined by the selection receiving unit 11A based on other information such as the customer's transaction history included in the customer information. These transactions determined by the selection receiving unit 11A are referred to as designated transactions.

  For example, the selection receiving unit 11A may select a frequently used transaction type as the transaction type button included in the customer-specific transaction button group B2 based on the transaction history in the customer information.

  Below the customer-specific transaction button group B2, a common information display B3 (within a broken line in the figure) as transaction-related information is displayed. This is a display common to all customers. For example, the balance of the account of the customer who is frequently involved is displayed regardless of the procedure. This balance or the like may be displayed based on balance information that can be included in the customer information.

  Below the common information display B3, a customer-specific information display B4 (within a broken line in the figure) as transaction-related information is displayed. In the customer-specific information display B4, information related to the transaction is displayed according to the customer information. This information is, for example, information relating to one or more of the transactions displayed on the customer-specific transaction button group B2. In FIG. 8, as an example, “withdrawal limit” and “balance” are displayed for “withdrawal” during the transaction displayed on the customer-specific transaction button group B2. Further, regarding the “foreign currency time deposit” displayed in the customer-specific transaction button group B2, “deposit market rate (US dollar)” indicating the market rate, “interest rate (1 month)”, and “interest rate (6 months)” )) And "interest (one year)" are also displayed.

  As described above, by displaying a transaction selection screen dedicated to the customer that displays only transactions that differ depending on the customer, for example, transactions that are set (designated and selected) in advance by the customer or transactions that are frequently performed by the customer, the customer can smoothly perform the transaction. It is possible to do.

  In addition, by simultaneously displaying the information related to the transaction displayed on the customer-specific selection screen, before the customer selects the transaction and decides the transaction content (transaction amount and the like), the transaction content by the ATM 100 is determined. Prior to receiving the information, information related to the transaction can be obtained in advance. Therefore, the customer can smoothly proceed with the transaction using the information.

  After executing step S12, the control unit 11 determines whether a transaction type has been input (step S13). This determination may be made based on whether or not a button in the customer-specific transaction button group B2 has been pressed via the touch pad 14B.

When determining that the transaction type has not been input (step S13: NO), the control unit 11 waits for a certain period of time and then executes step S13 again. When determining that the transaction type has been input in step S3 (step S3: YES) or determining that the transaction type has been input in step S13 (step S13: YES), the control unit 11 determines the password and the transaction content (step S13: YES). For example, it waits for input of a transaction amount, a transfer destination, etc. (step S14).
At this time, first, a password input screen (for example, a screen as shown in FIG. 7) is displayed, and after the password is input, a screen for accepting the selected transaction content as shown in FIG. 9 is displayed. Then, the user may wait for the input of the transaction content. FIG. 9 shows a screen when the transfer is selected, and shows a selection screen of the financial institution as the transfer destination as an example. For example, when a financial institution is selected on the screen shown in FIG. 9, the screen transits to an input screen for an account number of a transfer destination.

  After execution of step S14, the control unit 11 determines whether or not a correct password and transaction contents have been input (step S15). This determination may be made based on whether or not the user has input a personal identification number and transaction contents using the touch pad 14B. Whether or not the input personal identification number is a correct personal identification number may be determined based on information in the transaction card, or may be determined by inquiring of the host computer 300.

  If the control unit 11 determines in step S15 that the personal identification number and the transaction content have not been input (step S15: NO), the control unit 11 executes step S15 again after waiting for a certain period of time, and inputs the personal identification number and the transaction content again. Is determined.

  If the control unit 11 determines that the correct personal identification number and the transaction content have been input in step S15 (step S15: YES), the host 300 transmits the card information read in step S7 and the personal identification number and the transaction content input in step S14. (Step S16).

  After executing step S16, the control unit 11 communicates with the host 300 and determines whether or not the host 300 has permitted the transaction (step S17). This determination may be made based on whether a transaction permission notification has been received from the host 300. When determining that the host 300 has not permitted the transaction in step S17 (step S17: NO), the control unit 11 causes the display 14A to display an indication that the transaction cannot be handled (step S18). This display may be, for example, as shown in FIG.

  When determining that the host 300 has permitted the transaction in step S17 (step S17: YES), the control unit 11 executes a transaction process according to the transaction content (step S19). For example, in the case of a withdrawal procedure, the cash input / output mechanism 15 is caused to take out a banknote or a coin corresponding to the amount of money included in the transaction content from a cash storage (not shown), and the banknote inlet / outlet 17 and the coin inlet / outlet, respectively. 19 is derived.

  After executing Steps S18 and S19, the control unit 11 executes a transaction end process (Step S20), and then ends the routine. The transaction end processing is, for example, a process in which the card reader / printer 25 prints a statement sheet describing the contents of the transaction, and the card reader / printer 25 ejects the transaction card and the statement sheet from the card insertion / ejection port 27. May be performed.

  In the ATM 100 and the system 200 of this embodiment, a customer-specific transaction selection screen is displayed based on customer information. Also, for example, on the customer-specific transaction selection screen, only the transactions that are determined (selected) based on the customer information and are predicted to be likely to be performed by the customer are displayed. For this reason, the customer selects a desired transaction from a limited number of transactions that excludes transactions that are unlikely to be performed from a large number of transactions, so that the procedure can be smoothly selected without making unnecessary decisions. And proceed with the proceedings.

  Further, for example, by displaying information on the determined (selected) transaction on a customer-specific transaction selection screen, the customer knows information on the transaction in advance before selecting the transaction and inputting the transaction details. Can be obtained. Thereby, the customer can proceed with the procedure together with the advance information, and the procedure can be performed smoothly.

  Hereinafter, an automatic transaction apparatus according to a second embodiment of the present invention will be described with reference to the accompanying drawings. In the automatic transaction apparatus according to the second embodiment, the device configuration and the system configuration of the automatic transaction apparatus are the same as those of the ATM 100 and the system 200 according to the first embodiment.

In the second embodiment, after a transaction is selected on the customer-specific transaction selection screen (for example, the My ATM screen in FIG. 8), even when the input of the transaction content of the selected transaction is received, the customer's method is A customer-specific transaction content input screen is displayed based on the information. For example, when the transfer is selected, a specific transfer destination selected or determined based on the customer information is displayed on the customer-specific transaction screen.
[Transaction control routine]
FIG. 11 shows a transaction control routine R2 of the ATM 100 according to the second embodiment. Step S9 is the same as the routine of FIG. 3 of the transaction control routine R1 described in the first embodiment, and thus the description is omitted. Therefore, the processing after step S10 will be described below with reference to FIG. Further, the routine R2 includes a customer-specific screen display route X that displays a screen dedicated to the holder of the card (customer) and proceeds, and a common screen display route Y that displays a screen common to all customers and proceeds. Have.

  Hereinafter, the customer-specific screen display route X will be described. If it is determined in step S9 (see FIG. 3) that a correct password has been input (step S9: YES), the control unit 11 transmits the card information read in step S7 to the CRM server 400 (see FIG. 2). Then, customer information, which is information on the holder of the transaction card, is requested (step S10). The CRM server 400 transmits the customer information stored in the customer information database to the ATM 100 in response to a request from the control unit 11. As described above, the customer information is, for example, one or more designated transactions selected from a plurality of transaction types by the customer who is the holder of the card and set in advance, the designated transaction, or the customer's transaction history, the customer's transaction history. Includes information on transactions such as transaction orientation.

  Further, the customer information may include other information such as the characteristics of the customer, transactions of interest to the customer, and settings for each transaction type. The setting for each transaction type includes, for example, the setting of a predetermined transfer destination in a transfer, and the predetermined deposit and withdrawal amount (for example, 10,000, 50,000, and 100,000) in depositing or withdrawing. Amount, etc.).

  After executing step S10, the control unit 11 determines whether or not customer information has been received from the CRM server 400 (step S11). If it is determined in step S11 that the customer information has not been received (step S11: NO), the control unit 11 waits for a predetermined time and then executes step S11 again.

  When the control unit 11 determines that the customer information has been received in step S11, the MyATM screen which is a transaction selection screen which is a screen dedicated to the customer who is currently operating the ATM 100, that is, the holder of the transaction card inserted into the ATM 100. Is displayed (step S12). This MyATM screen is the same as, for example, FIG. 8 described in the first embodiment.

  After executing step S12, the selection receiving unit 11A of the control unit 11 determines whether a transaction type has been input (step S13). This determination may be made based on whether or not a button in the customer-specific transaction button group B2 (see FIG. 8) has been pressed via the touch pad 14B.

  If the selection receiving unit 11A of the control unit 11 determines that the transaction type has not been input (step S13: NO), it waits for a certain period of time and then executes step S13 again. When determining that the transaction type has been input in step S13 (step S13: YES), the control unit 11 waits for the input of a personal identification number (step S14-1). In step S14-1, the control unit 11 may cause the display 14A to display a password receiving screen similar to that of FIG. 7 described in the first embodiment.

  After executing step S14-1, the control unit 11 determines whether a correct password has been input (step S15-1). This determination may be made based on whether or not the user has input a personal identification number and transaction contents using the touch pad 14B. Whether or not the input personal identification number is a correct personal identification number may be determined based on information in the transaction card, or may be determined by inquiring of the host computer 300.

  If the control unit 11 determines that the correct password has not been input in step S15-1 (step 15-1: NO), the control unit 11 executes step S15-1 again after waiting for a predetermined time, and inputs the correct password. It is determined whether or not it has been performed. At this time, if an incorrect password is input, the fact may be notified on the display 14A and the password reception screen may be displayed again.

  When the control unit 11 determines that the correct password has been input in step S15-1 (step S15-1: YES), the information presentation unit 11B responds to the transaction type selected in step S12-S13. A MyATM transaction screen as a customer-specific transaction screen, which is a dedicated transaction content reception screen, is displayed to the holder (customer) of the transaction card (S16-1).

  FIG. 12 shows a MyATM transaction screen when “Transfer” is selected in steps S12 to S13 as an example of the MyATM transaction screen. At the top of the MyATM transaction screen, a customer message display section C1 (indicated by a broken line in the figure) for displaying a message to the card holder (customer) is provided.

  In FIG. 12, as an example, the name of the card holder and a message of an advertisement such as a campaign or event announcement are displayed. This message may be a message prompting the customer to change the personal identification number, similar to the My ATM screen in FIG. 8, or may be various other messages such as important notices to the customer. This message may be a message common to all customers.

Below the customer message display section C1, a customer-specific transaction content button group C2 (FIG. 8) determined (selected) by the information presentation section 11B of the control section 11 based on the transaction type and customer information selected in S12-13. (Within the middle broken line) is displayed. In the example of FIG. 12, the transfer destination candidates are displayed. The transaction content buttons included in the customer-specific transaction content button group C2 as the transaction-related information correspond to the transaction content preset by the customer included in the customer information. The information presentation unit 11B of the control unit 11 may determine based on the button. The transaction content included in the customer-specific transaction button group C2 may be determined by the information presentation unit 11B of the control unit 11 based on other information such as the customer's transaction history included in the customer information.

  For example, when the customer has set a specific transfer destination in advance, the setting information is included in the customer information, and the information presenting unit 11B displays the customer-specific transaction content button group C2 based on the setting information. The contents may be determined and displayed on the display 14A. In the case of a transfer transaction, for example, a transfer destination frequently selected by the customer as a transfer destination may be selected and displayed in the transaction history included in the customer information.

  Below the customer-specific transaction content button group C2, a common information display C3 (within the broken line in the figure) as transaction-related information is displayed. This is a display that is commonly made when any transaction is selected. For example, the balance of the account of the customer who is frequently involved is displayed regardless of the procedure. This balance or the like may be displayed based on balance information that can be included in the customer information.

  Below the common information display C3, a customer-specific information display C4 (within a broken line in the figure) as transaction-related information is displayed. In the customer-specific information display C4, information related to the selected transaction is displayed according to the customer information. In FIG. 12, as an example, the transfer fee for the transfer to the transfer destination displayed in the customer-specific transaction button group C2 is displayed.

  As described above, when information different from customer to customer and suitable for the customer, for example, a transfer procedure is selected, a customer's pre-set (specified / selected) transfer destination or a customer's frequently selected transfer destination. By displaying a customer-specific transaction screen that displays “!”, It is possible to eliminate unnecessary input to the customer and smoothly proceed with the transaction.

  At the same time, by displaying information related to the transaction selected by the customer based on the customer information, before the customer determines the transaction content (transaction amount, transfer destination, etc.), that is, the transaction content by the ATM 100 is displayed. Prior to the reception, information related to the transaction can be obtained in advance. Therefore, the customer can smoothly proceed with the transaction using the information.

  Hereinafter, the common screen display route Y will be described. When determining that the transaction type has been selected in step S3 (see FIG. 3) (step S3: YES), the control unit 11 waits for input of a password (step S14-2). In step S14-2, the control unit 11 may cause the display 14A to display a password receiving screen similar to that of FIG. 7 described in the first embodiment.

  After executing step S14-2, the control unit 11 determines whether a correct password has been input (step S15-2). This determination may be made based on whether or not the user has input a personal identification number and transaction contents using the touch pad 14B. Whether or not the input personal identification number is a correct personal identification number may be determined based on information in the transaction card, or may be determined by inquiring of the host computer 300.

  If the control unit 11 determines in step S15-2 that the correct password has not been input (step 15-2: NO), the control unit 11 executes step S15-2 again after waiting for a predetermined time, and inputs the correct password. It is determined whether or not it has been performed. At this time, if an incorrect password is input, the fact may be notified on the display 14A and the password reception screen may be displayed again.

  If the control unit 11 determines that the correct password has been input in step S15-2 (step S15-2: YES), the control unit 11 displays a normal transaction content reception screen common to all customers (step S16-2). ). The displayed normal transaction reception screen may be, for example, the transaction reception screen illustrated in FIG. 9 described in the first embodiment (an example in which a transfer is selected).

  Hereinafter, the routine after the merging of the customer-specific screen display route X and the common screen display route Y will be described. After executing steps S16-1 and S16-2, the control unit 11 determines whether or not transaction details have been input (step S17). This determination may be made based on whether or not the user has input the transaction content using the touch pad 14B.

  When determining that the transaction content has not been input in step S17 (step S17: NO), the control unit 11 executes step S17 again after waiting for a predetermined time, and determines whether the transaction content has been input again. .

  When the controller 11 determines that the transaction content has been input in step S17 (step S17: YES), the card information read in step S7 (see FIG. 3) and the password input in steps S14-1 and S14-2. The number and the transaction content are transmitted to the host 300 (Step S18).

  After executing step S18, the control unit 11 communicates with the host 300 and determines whether the host 300 has permitted the transaction (step S19). This determination may be made based on whether a transaction permission notification has been received from the host 300. When determining that the host 300 does not permit the transaction in step S19 (step S19: NO), the control unit 11 causes the display 14A to display that the transaction cannot be handled (step S20). This display may be, for example, as shown in FIG. 10 described in the first embodiment.

  When determining that the host 300 has permitted the transaction in step S19 (step S19: YES), the control unit 11 executes a transaction process according to the transaction content (step S21). For example, in the case of a transfer procedure, the cash input / output mechanism 15 takes in the cash inserted from the bill inlet / outlet 17 and the coin inlet / outlet 19 and stores it in a cash storage (not shown). Is transmitted to the host 300.

  After executing Steps S20 and S21, the control unit 11 executes a transaction end process (Step S22), and thereafter the routine ends. The transaction end processing is, for example, a process in which the card reader / printer 25 prints a statement sheet describing the contents of the transaction, and the card reader / printer 25 ejects the transaction card and the statement sheet from the card insertion / ejection port 27. May be performed.

  In the ATM 100 and the system 200 of the present embodiment, a customer-specific transaction content reception screen is displayed based on the transaction and customer information selected on the customer-specific transaction selection screen. Also, for example, on the customer-specific transaction content reception screen, only the transaction content determined (selected) based on the customer information and predicted to be likely to be performed by the customer is displayed.

  For this reason, the customer selects a desired transaction from the limited transaction contents excluding the transaction contents that are unlikely to be performed from among a large number of transaction contents, so that selection input and useless judgment are not performed. It is possible to smoothly select the transaction details and proceed with the procedure.

  Further, for example, by displaying information on the transaction selected on the transaction selection screen dedicated to the customer on the transaction content reception screen, the customer can know information on the transaction in advance before inputting the transaction content. Thereby, the customer can proceed with the procedure together with the advance information, and the procedure can be performed smoothly.

  In the above embodiment, several display examples of the MyATM screen, which is a screen dedicated to the customer, have been described, but the information displayed on the transaction screen dedicated to the customer is not limited to the contents shown in the above example. For example, information contributing to a customer's transaction, such as a borrowing limit when borrowing or a repayment balance when repaying, may be displayed on the transaction screen based on the customer information.

  In the above embodiment, the customer information database 400A is provided in the CRM server 400. However, the customer information database may be provided in the ATM 100. In this case, the ATM 100 does not need to receive customer information from outside.

  In the above embodiment, the ATM has been described as an example, but the above configuration and routine can be applied to other devices that handle transaction cards such as CDs. Further, the transaction card may be another card such as a debit card. Further, instead of the transaction card, another transaction medium such as a smartphone having a non-contact IC can be used.

  When a non-contact IC is used, the information carried in the non-contact IC may be read by a non-contact IC reading unit (not shown) instead of inserting the transaction card into the card reading and printing machine 25. . Further, a transaction may be possible using the biological information received by the biological information authentication unit 28 described above.

  Further, in the routine of the above-described embodiment, the case where the ATM 100 requests customer information from the customer information DB 400A using the identification information of the trader held by the transaction card has been described as an example, but other information is used. May request customer information. For example, information held in another medium such as a non-contact IC may be used as identification information, and customer information may be requested based on the identification information.

 Further, using the biometric information received by the biometric information authentication unit 28 as the identification information, the customer information may be requested based on the identification information. When using biometric information as identification information, for example, in the flow shown in FIG. 3, steps S2, S5, and S6 may be changed.

  Specifically, for example, in steps S2 and S6 of routines R1 and R2, instead of determining whether a card has been inserted, the biological information authentication unit 28 may determine whether biological information has been accepted. Good. This determination may be made based on, for example, whether or not the trader inserts his / her finger into the fingerprint authentication unit 28A to read the fingerprint, or whether or not the imaging device 28B reads the iris of the trader.

  Further, for example, in step S5 of the routine R1 or R2, a display requesting biometric information such as a fingerprint or an iris may be performed instead of the request display of card insertion.

  When the biometric information is received by the biometric information authentication unit 28, the biometric information may be transmitted to the CRM server 400 in addition to or instead of the card information. Specifically, for example, in step S10 of the routine R1 of FIG. 4 or step S10 of the routine R2 of FIG. It may be sent to request customer information.

  The various configurations and routines in the above-described embodiment are merely examples, and can be appropriately selected and changed according to the application and the like.

100 ATM
200 system 300 host 400 CRM server 400A customer information database 11 control unit 11A selection accepting unit 11B information presenting unit 12 storage unit 13 communication unit 14 operation display unit 14A display 14B touch pad 25 card reader / printer 27 card insertion / ejection port

Claims (11)

An automatic transaction device for performing a transaction by a trader's operation,
An identification information receiving unit that receives the identification information of the trader;
An information presenting unit that presents a transaction selection screen including a plurality of transaction buttons, each of which indicates each of the plurality of transactions, and a customer-specific button indicating a call to the customer-specific screen;
A selection receiving unit that receives a selection input for selecting one of the transaction buttons and the customer-specific buttons presented by the information presentation unit,
The information presenting unit, when the customer-specific button is selected, replaces the transaction selection screen with a designated transaction indicating each of one or more transactions designated by the customer in advance from the plurality of transactions. button, presents a transaction selection screen of customer-specific presenting a withdrawal limit and balances based on presenting vital the customer information based on the customer information, which is information corresponding to the identification information,
The automatic transaction device, wherein the customer information, which is information corresponding to the identification information, is held by the automatic transaction device or obtained from an external database .   2. The automatic transaction apparatus according to claim 1, wherein the information presentation unit presents transaction-related information corresponding to the transaction input by the selection input.   3. The automatic transaction apparatus according to claim 1, wherein the customer information is received from an external database via an information communication line based on the identification information. The selection receiving unit receives the content input on the content of the transaction to which the selected, the information presentation unit, in claim 2, wherein the presenting the transaction-related information prior to reception of the content input Automatic transaction device as described.   2. The automatic transaction apparatus according to claim 1, wherein transaction types of the designated transaction are withdrawal and transfer. A contactless reading unit that reads information from a transaction medium that can communicate contactlessly,
2. The automatic transaction apparatus according to claim 1, wherein the customer information corresponding to the trader is specified based on identification information read from the transaction medium by the non-contact reading unit. The information presenting unit,
When one of the at least one designated transaction displayed on the customer-specific transaction selection screen is selected by the customer, the transaction-related information of the designated transaction selected by the customer is displayed on the customer-specific transaction selection screen. In the transaction button of
The transaction-related information presented in the transaction button indicates a withdrawal amount when the transaction type is withdrawal, and indicates a transfer destination name when the transaction type is withdrawal. Automatic transaction equipment. Equipped with a biometric authentication unit,
After the customer-specific button is selected by the customer, if biometric authentication is performed by the biometric information authentication unit as personal identification, the customer information is specified, and the customer-specific transaction corresponding to the specified customer information is performed. The automatic transaction device according to claim 1, wherein a selection screen is displayed.   9. The automatic transaction apparatus according to claim 8, wherein the customer-specific button is a my button displayed on the transaction selection screen. An automatic transaction device for performing transactions by a trader's operation,
A transaction system that is communicably connected to the automatic transaction device and includes a database having customer information as information on a trader who operates the automatic transaction device,
The automatic transaction device,
An identification information receiving unit that receives identification information for identifying the trader,
A receiving unit that receives the customer information based on the identification information from the database,
An information presenting unit that presents a transaction selection screen including a plurality of transaction buttons, each of which indicates each of the plurality of transactions, and a customer-specific button indicating a call to the customer-specific screen;
A selection receiving unit that receives a selection input for selecting one of the transaction buttons and the customer-specific buttons presented by the information presentation unit,
The information presenting unit, when the customer-specific button is selected, replaces the transaction selection screen with a designated transaction indicating each of one or more transactions designated by the customer in advance from the plurality of transactions. Presenting a button based on the customer information obtained based on the identification information, and presenting a customer-specific transaction selection screen for presenting a withdrawal limit and a balance based on the customer information corresponding to the identification information. Characterized trading system. The transaction system according to claim 10, wherein the information presentation unit presents transaction-related information corresponding to the transaction input by the selection input.

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