TWI703528B - Method for visualizing operational performance of automated teller machine - Google Patents

Method for visualizing operational performance of automated teller machine Download PDF

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TWI703528B
TWI703528B TW107101389A TW107101389A TWI703528B TW I703528 B TWI703528 B TW I703528B TW 107101389 A TW107101389 A TW 107101389A TW 107101389 A TW107101389 A TW 107101389A TW I703528 B TWI703528 B TW I703528B
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TW201933250A (en
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孔繁偉
陳勁宏
王思涵
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玉山商業銀行股份有限公司
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Abstract

A method for visualizing operational performance of automated teller machine is implemented by an electronic device. The method includes: (A) for each of target ATMs, determining whether exists at least one near ATM close to the target ATM; (B) when it is determined that there is the at least one near ATM, obtaining a clustering transaction result based on transaction information with our bank included in ATM data of each of the target ATM and the at least one near ATM; and (C) marking transaction hot zones on a map based on the clustering transaction result of each target ATM.

Description

視覺化呈現自動提款機佈點營運狀態的方法A method of visually presenting the operating status of the cash dispenser

本發明是有關於一種營運狀態呈現方法，特別是指一種視覺化呈現自動提款機佈點營運狀態的方法。The present invention relates to a method for presenting the operating status, in particular to a method for visually presenting the operating status of an automatic teller machine.

自動提款機（Automated Teller Machine，簡稱ATM）是指銀行設置一種小型機器，其讓客戶可透過機器自助辦理提款、存款、轉帳等臨櫃服務。自動提款機除了可服務本行客戶外，也提供了跨行提款和跨行轉帳來服務他行客戶，但跨行提款及跨行轉帳皆會衍生額外的手續費。Automated Teller Machine (ATM) refers to a small machine set up by a bank that allows customers to handle cash withdrawals, deposits, transfers and other counter services through the machine. In addition to serving customers of our bank, ATMs also provide inter-bank withdrawals and inter-bank transfers to serve other bank customers, but inter-bank withdrawals and inter-bank transfers will incur additional handling fees.

當銀行之自動提款機的機台數市佔率低時，恐無法使所有本行客戶都能有效地享受到本行所提供之自動提款機的服務，本行客戶為求使用上之方便性往往會至與其活動區域較鄰近的他行自動提款機進行交易。因此本行每月需支付給同業及財金公司跨提轉手續費用高達新臺幣上仟萬，隨著本行顧客數、存款帳戶數的增加，手續費支出有日益增加現象。When the market share of the bank’s ATMs is low, it may not be possible for all our customers to effectively enjoy the services of the ATMs provided by the bank. Our customers want to use them Convenience often goes to other bank ATMs close to its activity area for transactions. Therefore, the bank has to pay the inter-bank and financial company cross-withdrawal fees as high as NT$10,000 each month. With the increase in the number of customers and deposit accounts of the bank, the transaction fee expenses are increasing.

由於一台自動提款機的設置成本頗高，因此自動提款機的設置效益是銀行非常關注的議題。As the cost of setting up an ATM is quite high, the effectiveness of setting up an ATM is a topic of great concern to banks.

因此，本發明的目的，即在提供一種視覺化呈現他行自動提款機佈點營運狀態的方法。Therefore, the purpose of the present invention is to provide a method for visually presenting the operating status of other bank ATMs.

於是，本發明視覺化呈現自動提款機佈點營運狀態的方法係藉由一電子裝置來實施，並包含以下步驟：Therefore, the method of the present invention for visually presenting the operating status of the cash dispenser is implemented by an electronic device and includes the following steps:

(A)對於多台他行目標自動提款機之每一者，判定是否存在至少一台他行鄰近自動提款機，其中每一他行鄰近自動提款機所對應之一提款機資料中所包含的一提款機位置與該他行目標自動提款機所對應之一提款機資料中所包含的一提款機位置間的距離小於一預設距離；(A) For each of multiple target ATMs of other banks, determine whether there is at least one neighboring ATM of another bank, and the information of one of the corresponding ATMs of each other bank's neighboring ATM The distance between the position of an ATM included in the ATM and the position of an ATM included in the information of an ATM corresponding to the target ATM of the other bank is less than a preset distance;

(B)對於每一他行目標自動提款機，當判定出該他行目標自動提款機存在該至少一台他行鄰近自動提款機時，根據該他行目標自動提款機及該至少一台他行鄰近自動提款機之每一者所對應之提款機資料中所包含的一與一本行相關的交易資訊，獲得指示出一涵蓋該他行目標自動提款機及該至少一台他行鄰近自動提款機與該本行之交易量的一集群交易結果；及(B) For each target ATM of another bank, when it is determined that the target ATM of the other bank exists at least one neighboring ATM of the other bank, according to the target ATM of the other bank and the At least one bank-related transaction information contained in the cash machine data corresponding to each of the neighboring cash machines of at least one other bank is instructed to cover the target cash machine of the other bank and the A cluster transaction result of the transaction volume between at least one nearby ATM of another bank and the bank; and

(C)根據每一他行目標自動提款機所對應的提款機位置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於一地圖上。(C) According to the location of the cash machine corresponding to the target cash machine of each other bank and the cluster transaction result, mark the transaction hot zone related to all cluster transaction results on a map.

本發明的另一目的，即在提供一種視覺化呈現本行自動提款機佈點營運狀態的方法。Another object of the present invention is to provide a method for visually presenting the operating status of the bank's cash dispensers.

於是，本發明視覺化呈現自動提款機佈點營運狀態的方法係藉由一電子裝置來實施，並包含以下步驟：Therefore, the method of the present invention for visually presenting the operating status of the cash dispenser is implemented by an electronic device and includes the following steps:

(A)對於多台本行目標自動提款機之每一者，判定是否存在至少一台本行鄰近自動提款機，其中每一本行鄰近自動提款機所對應之一提款機資料中所包含的一提款機位置與該本行目標自動提款機所對應之一提款機資料中所包含的一提款機位置間的距離小於一預設距離；(A) For each of the multiple target ATMs of the bank, determine whether there is at least one neighboring ATM of the bank. Among them, the corresponding one of the neighboring ATMs of each bank is specified in the ATM data The distance between the included cash dispenser location and the cash dispenser location included in the cash dispenser data corresponding to the bank's target cash dispenser is less than a preset distance;

(B)對於每一本行目標自動提款機，當判定出該本行目標自動提款機存在該至少一台本行鄰近自動提款機時，根據該本行目標自動提款機及該至少一台本行鄰近自動提款機之每一者所對應之提款機資料中所包含的一交易資訊，獲得指示出一涵蓋該本行目標自動提款機及該至少一台本行鄰近自動提款機之交易量的一集群交易結果；及(B) For each bank's target ATM, when it is determined that the bank's target ATM has at least one neighboring ATM, based on the bank's target ATM and the at least A transaction information contained in the cash machine data corresponding to each of the bank's neighboring cash dispensers, and obtaining instructions to cover the target cash dispenser of the bank and the at least one neighboring cash dispenser of the bank A cluster trading result of the machine's trading volume; and

(C)根據每一本行目標自動提款機所對應的提款機位置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於一地圖上。(C) According to the location of each bank's target ATM and the cluster transaction result, mark the transaction hot zone related to all cluster transaction results on a map.

本發明的功效在於：藉由該電子裝置根據每一他行目標自動提款機或每一本行目標自動提款機所對應的提款機位置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於該地圖上，即可一目了然地呈現出本行客戶利用自動提款機進行交易的交易熱門區域及交易冷門區域，而作為擴建或汰除本行自動提款機的參考依據。The effect of the present invention is that the electronic device will be related to all cluster transaction results according to the location of the cash machine corresponding to each other bank's target automatic teller machine or each bank's target automatic teller machine and cluster transaction results The hot transaction area of is marked on the map, which can clearly show the hot transaction areas and unpopular areas of the bank's customers using ATMs for transactions, and serve as a reference for expanding or eliminating the bank's ATMs .

參閱圖1，本發明視覺化呈現自動提款機佈點營運狀態的方法的第一實施例藉由一電子裝置1來實施。該電子裝置1包含一儲存模組11、一顯示模組12、一輸入模組13及一電連接該儲存模組11、該顯示模組12與該輸入模組13的處理模組14。Referring to FIG. 1, the first embodiment of the method of the present invention for visually presenting the operating status of an automatic teller machine is implemented by an electronic device 1. The electronic device 1 includes a storage module 11, a display module 12, an input module 13 and a processing module 14 electrically connected to the storage module 11, the display module 12 and the input module 13.

該儲存模組11儲存有多筆分別對應於多台他行自動提款機的提款機資料、多筆分別對應於多台本行自動提款機的提款機資料、多筆相關於多間公司的公司資料、多筆相關於多間住戶的住戶資料，及一地圖。每一他行自動提款機的提款機資料包含一提款機位置及一與一本行相關的交易資訊，每一他行自動提款機的交易資訊包括一相關於該本行支付給所對應之他行自動提款機之所有手續費的手續費支出總額，及一相關於藉由該他行自動提款機提取該本行之存款的現金提取總額之至少一者。每一本行自動提款機的提款機資料包含一提款機位置及一交易資訊，每一本行自動提款機的交易資訊包含一相關於藉由該本行自動提款機提取存款的現金提取總額。每一公司資料包含一公司名稱及一資本額。每一住戶資料包含一住戶人數及一綜所稅。The storage module 11 stores multiple cash machine data corresponding to multiple cash dispensers of other banks, multiple cash machine data corresponding to multiple cash dispensers of the bank, and multiple cash data related to multiple cash dispensers. The company's company information, multiple household information related to multiple households, and a map. The cash machine data of each other bank's cash machine includes a cash machine location and a transaction information related to a bank. The transaction information of each other bank's cash machine includes a payment related to the bank At least one of the total handling fee expenditure of all handling fees of the corresponding other bank's ATM, and at least one of the total amount of cash withdrawal related to the bank's deposit with the other bank's ATM. The cash machine data of each bank's ATM includes a cash machine location and transaction information, and the transaction information of each bank's cash machine includes information related to the withdrawal of deposits through the bank's automatic teller machine The total amount of cash withdrawals. Each company information includes a company name and a capital amount. Each household information includes a household size and a comprehensive tax.

值得一提的是，在本實施例中，該等提款機資料、該等公司資料、該等住戶資料及該地圖係儲存於該電子裝置1的儲存模組11，然而，上述資料亦可儲存在一經由一通訊網路與該電子裝置1連接的雲端資料庫，當該電子裝置1需要使用上述資料時，該電子裝置1才至該雲端資料庫存取上述資料，並不以此為限。It is worth mentioning that, in this embodiment, the cash machine data, the company data, the household data, and the map are stored in the storage module 11 of the electronic device 1. However, the above data can also be It is stored in a cloud database connected to the electronic device 1 via a communication network. When the electronic device 1 needs to use the above-mentioned data, the electronic device 1 goes to the cloud database to obtain the above-mentioned data, which is not limited to this.

參閱圖1與圖2，以下將配合本發明視覺化呈現自動提款機佈點營運狀態的方法之第一實施例，來說明該電子裝置1中各元件的運作細節，該方法包含下列步驟。Referring to FIGS. 1 and 2, the first embodiment of the method for visually presenting the operating status of the cash dispenser according to the present invention will be used to illustrate the operation details of the components in the electronic device 1. The method includes the following steps.

在步驟21中，該處理模組14根據該等他行自動提款機的提款機資料，自該等他行自動提款機選取出多台對應有手續費支出總額或現金提取總額之排名位於一預設排名內的他行目標自動提款機。In step 21, the processing module 14 selects a number of rankings corresponding to the total handling fee expenditure or the total cash withdrawal from the ATMs of the other banks based on the ATM data of the ATMs of other banks Target ATMs of other banks located in a preset ranking.

在步驟22中，對於每一他行目標自動提款機，該處理模組14判定其他的他行自動提款機中是否存在至少一台他行鄰近自動提款機，其中每一他行鄰近自動提款機所對應之提款機資料的提款機位置與該他行目標自動提款機所對應之提款機資料的提款機位置間的距離小於一預設距離。對於每一他行目標自動提款機，當該處理模組14判定出其他的他行自動提款機中存在該至少一台他行鄰近自動提款機時，流程進行步驟23；對於每一他行目標自動提款機，當該處理模組14判定出其他的他行自動提款機中不存在該至少一台他行鄰近自動提款機時，流程進行步驟24。In step 22, for each other bank's target ATM, the processing module 14 determines whether there is at least one other bank's neighboring ATM among the other bank's ATMs, where each other bank's neighboring ATM The distance between the cash dispenser location of the cash dispenser data corresponding to the cash dispenser and the cash dispenser location of the cash dispenser data corresponding to the target cash dispenser of the other bank is less than a preset distance. For each target ATM of another bank, when the processing module 14 determines that the at least one neighboring ATM of another bank exists in other ATMs of another bank, the process proceeds to step 23; The target ATM of the other bank, when the processing module 14 determines that the at least one neighboring ATM of the other bank does not exist among the other ATMs, the process proceeds to step 24.

在步驟23中，該處理模組14根據該他行目標自動提款機及該至少一台他行鄰近自動提款機之每一者所對應之提款機資料的交易資訊，獲得指示出一涵蓋該他行目標自動提款機及該至少一台他行鄰近自動提款機與該本行之交易量的一集群交易結果。In step 23, the processing module 14 obtains an instruction based on the transaction information of the cash machine data corresponding to each of the at least one other bank's target cash dispenser and the at least one neighboring cash dispenser of another bank A cluster transaction result that covers the target ATM of the other bank and the transaction volume between the at least one neighboring ATM of the other bank and the bank.

值得一提的是，在本實施例中，每一集群交易結果所指示出的該交易量可由該他行目標自動提款機的手續費支出總額加上所對應之每一他行鄰近自動提款機的手續費支出總額所統計出的一手續費支出總和而獲得。該交易量也可由該他行目標自動提款機的現金提取總額加上所對應之每一他行鄰近自動提款機的現金提取總額所統計出的一現金提取總和而獲得。或者，該交易量也可由乘上一第一權重的該手續費支出總和加上乘上一第二權重的該現金提取總和而獲得，並不以此為限。It is worth mentioning that, in this embodiment, the transaction volume indicated by the transaction result of each cluster can be determined by the total transaction fee expenditure of the target ATM of the other bank plus the corresponding automatic withdrawal of each neighboring bank. Obtained by the sum of the total fee expenditure of the cash machine. The transaction volume can also be obtained by the total cash withdrawal of the target ATM of the other bank plus a total cash withdrawal calculated by the corresponding total cash withdrawal of each neighboring ATM of the other bank. Alternatively, the transaction volume can also be obtained by multiplying the sum of the commission expenses multiplied by a first weight and the sum of the cash withdrawal multiplied by a second weight, and is not limited to this.

在步驟24中，該處理模組14根據該他行目標自動提款機所對應之提款機資料的交易資訊，獲得指示出一涵蓋該他行目標自動提款機之交易量的一集群交易結果。In step 24, the processing module 14 obtains a cluster transaction indicating a transaction volume covering the transaction volume of the target ATM of the other bank based on the transaction information of the ATM data corresponding to the target ATM of the other bank result.

在步驟25中，該處理模組14根據每一他行目標自動提款機所對應的提款機位置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於該地圖上（見圖3），以作為一交易熱區分布圖（Heatmap），並將該地圖呈現於該顯示模組12。藉此，一評估者即可根據標記有交易熱區的該地圖一目了然地看出哪些區域存在許多跨行提轉的客戶（如，標記有顏色最深之交易熱區），以作為擴建本行自動提款機的參考依據。In step 25, the processing module 14 marks the transaction hotspots related to all cluster transaction results on the map according to the location of the cash machine corresponding to each other bank's target cash machine and the cluster transaction result (see Figure 3), as a heat map of trading hotspots, and present the map on the display module 12. In this way, an evaluator can clearly see at a glance which areas have many customers with inter-bank transfers based on the map marked with trading hotspots (for example, the trading hotspots marked with the darkest color), which can be used as an automatic extension Reference basis for the machine.

在步驟26中，在該處理模組14接收到一來自該輸入模組13且經由操作該地圖而產生，並相關於一位於該地圖上之地理區塊100（見圖3）的資料請求後，該處理模組14自該等公司資料獲得多筆對應有公司位置位於該地理區塊100內的公司資料以作為目標公司資料，並獲得一相關於該地理區塊100內之所有綜所稅的綜所稅總額、一相關於該地理區塊100內之所有住戶的戶數，及一相關於該地理區塊100內之所有人口的人口總數，且將該地理區塊100內之每一目標公司資料的公司名稱與資本額、該戶數、該人口總數及該綜所稅總額呈現於該顯示模組12。藉此，該評估者還可進一步針對步驟25所產生之地圖所標記之最熱門的交易熱區（即，顏色最深的交易熱區）的商業環境狀況作更深入的了解。In step 26, after the processing module 14 receives a data request from the input module 13 generated by operating the map and related to a geographic block 100 (see FIG. 3) located on the map , The processing module 14 obtains from the company data a number of company data corresponding to the company’s location in the geographic block 100 as target company data, and obtains a piece of information related to all comprehensive taxes in the geographic block 100 The total comprehensive tax, a number of households related to all households in the geographic area 100, and a total population related to all the population in the geographic area 100, and each of the geographic areas in 100 The company name and capital amount of the target company data, the number of households, the total population, and the total tax amount of the comprehensive house are displayed on the display module 12. In this way, the evaluator can further understand the business environment of the most popular trading hotspots (ie, the darkest trading hotspots) marked on the map generated in step 25.

舉例來說，該評估者可利用該輸入模組13經由操作該地圖，以在地圖上框出包含該最熱門之交易熱區的地理區塊100，進而獲得位於該最熱門之交易熱區的之公司的公司名稱、該最熱門之交易熱區的該綜所稅總額、該戶數及該人口總數，以綜合考量是否要在該最熱門之交易熱區新增或擴建本行自動提款機。For example, the evaluator can use the input module 13 to manipulate the map to frame the geographic block 100 containing the hottest transaction area on the map, and then obtain the geographical block 100 in the hottest transaction area. The company name of the company, the total tax of the most popular trading zone, the number of households and the total population, to comprehensively consider whether to add or expand the bank's automatic withdrawal in the most popular trading zone machine.

在本實施例中，該處理模組14係先自該等住戶資料獲得多筆對應有住戶位置位於該地理區塊100內的住戶資料以作為目標住戶資料，並根據該等目標住戶資料之筆數獲得該戶數，再根據每一目標住戶資料的綜所稅統計出該綜所稅總額，並根據每一目標住戶資料的住戶人數統計出該人口總數。In this embodiment, the processing module 14 first obtains multiple pieces of household data corresponding to the household location within the geographic block 100 from the household data as the target household data, and based on the records of the target household data To obtain the number of households, calculate the total tax of the comprehensive tax based on the comprehensive tax of each target household data, and calculate the total population based on the number of households in each target household data.

值得特別說明的是，本發明視覺化呈現自動提款機佈點營運狀態的方法的第一實施例也可藉由一包含該電子裝置1及一評估端的系統（圖未示）來實施，該系統的評估端經由該通訊網路與該電子裝置1連接。藉由該系統來實施的差異僅在於，該處理模組14在獲得標記有交易熱區的該地圖、該地理區塊100內之每一目標公司資料的公司名稱與資本額、該戶數、該人口總數、及該綜所稅總額後須經由該通訊網路傳送至該評估端呈現，且該處理模組14所收到的該資料請求係來自於該評估端。It is worth noting that the first embodiment of the method for visually presenting the operating status of an automatic teller machine according to the present invention can also be implemented by a system (not shown) that includes the electronic device 1 and an evaluation terminal. The evaluation terminal of is connected to the electronic device 1 via the communication network. The only difference between the implementation of the system is that the processing module 14 obtains the map marked with transaction hotspots, the company name and capital amount of each target company in the geographic block 100, the number of households, The total population and the total tax amount of the comprehensive house must be transmitted to the evaluation terminal via the communication network for presentation, and the data request received by the processing module 14 comes from the evaluation terminal.

參閱圖1與圖4，本發明視覺化呈現自動提款機佈點營運狀態的方法之第二實施例也是藉由該電子裝置1來實施，並包含下列步驟。1 and 4, the second embodiment of the method for visually presenting the operating status of the cash dispenser according to the present invention is also implemented by the electronic device 1 and includes the following steps.

在步驟41中，該處理模組14根據該等本行自動提款機的提款機資料，自該等本行自動提款機選取出多台對應有現金提取總額之排名位於一預設排名內的本行目標自動提款機。In step 41, the processing module 14 selects from the bank's automatic teller machines based on the cash machine data of the bank's automatic teller machines, the ranking corresponding to the total amount of cash withdrawal is located in a preset ranking The bank’s target ATM within.

在步驟42中，對於每一本行目標自動提款機，該處理模組14判定其他的本行自動提款機中是否存在至少一台本行鄰近自動提款機，其中每一本行鄰近自動提款機所對應之提款機資料的提款機位置與該本行目標自動提款機所對應之提款機資料的提款機位置間的距離小於該預設距離。對於每一本行目標自動提款機，當該處理模組14判定出其他的本行自動提款機中存在該至少一台本行鄰近自動提款機時，流程進行步驟43；對於每一本行目標自動提款機，當該處理模組14判定出其他的本行自動提款機中不存在該至少一台本行鄰近自動提款機時，流程進行步驟44。In step 42, for each bank's target ATM, the processing module 14 determines whether there is at least one bank's neighboring ATM among other bank's ATMs, and each bank's neighboring ATM The distance between the cash machine location of the cash machine data corresponding to the cash machine and the cash machine location of the cash machine data corresponding to the bank's target cash machine is less than the preset distance. For each bank's target ATM, when the processing module 14 determines that there is at least one bank's neighboring ATM in other bank's ATMs, the process proceeds to step 43; for each bank When the processing module 14 determines that the at least one adjacent automatic teller machine of the bank does not exist among other automatic teller machines of the bank, the process proceeds to step 44.

在步驟43中，該處理模組14根據該本行目標自動提款機及該至少一台本行鄰近自動提款機之每一者所對應之提款機資料的交易資訊，獲得指示出一涵蓋該本行目標自動提款機及該至少一台本行鄰近自動提款機之交易量的一集群交易結果。In step 43, the processing module 14 obtains an instruction to indicate a coverage based on the transaction information of the cash machine data corresponding to each of the bank's target cash machine and the at least one neighboring cash machine of the bank A cluster transaction result of the transaction volume of the target ATM of the bank and the at least one neighboring ATM of the bank.

值得一提的是，在本實施例中，每一集群交易結果所指示出的該交易量可由該本行目標自動提款機的現金提取總額加上所對應之每一本行鄰近自動提款機的現金提取總額所統計出的一現金提取總和而獲得，但不以限於此。It is worth mentioning that in this embodiment, the transaction volume indicated by the transaction result of each cluster can be the total cash withdrawal of the bank’s target ATM plus the corresponding bank’s neighboring automatic withdrawal It is obtained by the sum of cash withdrawals based on the total cash withdrawals of the machine, but it is not limited to this.

在步驟44中，該處理模組14根據該本行目標自動提款機所對應之提款機資料的交易資訊，獲得指示出一涵蓋該本行目標自動提款機之交易量的一集群交易結果。In step 44, the processing module 14 obtains a cluster transaction indicating a transaction volume covering the transaction volume of the bank's target ATM based on the transaction information of the ATM data corresponding to the bank's target ATM result.

在步驟45中，該處理模組14根據每一本行目標自動提款機所對應的提款機位置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於該地圖上（見圖5），以作為一交易熱區分布圖（Heatmap），並將該地圖呈現於該顯示模組12。藉此，一評估者即可根據標記有交易熱區的該地圖一目了然地看出哪些區域之本行自動提款機的使用效益最高（如，標記有顏色最深之交易熱區），哪些區域之本行自動提款機的使用效益最低（如，標記有顏色最淺之交易熱區），以作為汰除本行自動提款機的參考依據。In step 45, the processing module 14 marks the transaction hotspots related to all cluster transaction results on the map according to the location of the cash machine corresponding to each bank's target cash dispenser and the cluster transaction result (see FIG. 5), as a heat map (Heatmap), and present the map on the display module 12. In this way, an evaluator can clearly see at a glance which areas of the bank’s ATMs are most effective (for example, the darkest colored trading areas) and which areas are marked with the hottest areas The bank's ATM has the lowest use efficiency (for example, the hottest area marked with the lightest color), which is used as a reference for eliminating the bank's ATM.

在步驟46中，在該處理模組14接收到一來自該輸入模組13且經由操作該地圖而產生，並相關於一位於該地圖上之地理區塊101（見圖5）的資料請求後，該處理模組14自該等公司資料獲得多筆對應有公司位置位於該地理區塊101內的公司資料以作為目標公司資料，並獲得一相關於該地理區塊101內之所有綜所稅的綜所稅總額、一相關於該地理區塊101內之所有住戶的戶數，及一相關於該地理區塊內101之所有人口的人口總數，且將該地理區塊101內之每一目標公司資料的公司名稱與資本額、該戶數、該人口總數及該綜所稅總額呈現於該顯示模組12。藉此，該評估者還可進一步針對步驟45所產生之地圖所標記之最冷門的交易熱區（即，顏色最淺的交易熱區）的商業環境狀況作更深入的了解。In step 46, after the processing module 14 receives a data request from the input module 13 generated by operating the map and related to a geographic block 101 (see FIG. 5) located on the map , The processing module 14 obtains from the company data a number of company data corresponding to the company’s location in the geographic block 101 as target company data, and obtains a piece of information related to all comprehensive taxes in the geographic block 101 The total amount of comprehensive tax, the number of households related to all households in the geographic area 101, and the total population related to all the population in the geographic area 101, and each of the geographic areas in 101 The company name and capital amount of the target company data, the number of households, the total population, and the total tax amount of the comprehensive house are displayed on the display module 12. In this way, the evaluator can further understand the business environment of the most unpopular trading hotspots (ie, the lightest trading hotspots) marked on the map generated in step 45.

綜上所述，本發明視覺化呈現自動提款機佈點營運狀態的方法，藉由該電子裝置1根據每一他行目標自動提款機或每一本行目標自動提款機所對應的提款機位置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於該地圖上，即可一目了然地呈現出本行客戶利用自動提款機進行交易的交易熱門區域及交易冷門區域，而作為擴建或汰除本行自動提款機的參考依據，此外，藉由該電子裝置1將該評估者欲深入了解之地理區塊100、101的商業環境狀況（如，該地理區塊100、101內之每一目標公司資料的公司名稱與資本額、該戶數、該人口總數及該綜所稅總額）提供給該評估者，可供其更全面地考量是否擴建或汰除本行自動提款機，故確實能達成本發明的目的。In summary, the method of the present invention visually presents the operating status of the cash dispensers, through the electronic device 1 according to the target cash dispenser of each other bank or the cash dispenser corresponding to each target cash dispenser of the bank. For the location of the cash machine and cluster transaction results, mark the hot trading areas related to all cluster transaction results on the map, and you can clearly show the hot trading areas and unpopular trading areas where customers of the bank use ATMs for transactions. As a reference basis for the expansion or elimination of the bank’s automatic teller machine, in addition, the electronic device 1 allows the evaluator to understand the business environment conditions of the geographic regions 100 and 101 (for example, the geographic region 100 , The company name and capital of each target company in 101, the number of households, the total population, and the total tax of the comprehensive institution) are provided to the assessor for a more comprehensive consideration of whether to expand or eliminate the bank The automatic teller machine can indeed achieve the purpose of the invention.

惟以上所述者，僅為本發明的實施例而已，當不能以此限定本發明實施的範圍，凡是依本發明申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾，皆仍屬本發明專利涵蓋的範圍內。However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to Within the scope of the patent for the present invention.

1‧‧‧電子裝置11‧‧‧儲存模組12‧‧‧顯示模組13‧‧‧輸入模組14‧‧‧處理模組100、101‧‧‧地理區塊21~26‧‧‧步驟41~46‧‧‧步驟 1‧‧‧Electronic device 11‧‧‧Storage module 12‧‧‧Display module 13‧‧‧Input module 14‧‧‧Processing module 100, 101‧‧‧Geographical block 21~26‧‧‧Step 41~46‧‧‧Step

本發明的其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是一方塊圖，說明執行本發明視覺化呈現自動提款機佈點營運狀態的方法之第一實施例的一電子裝置； 圖2是本發明視覺化呈現他行自動提款機佈點營運狀態的方法之第一實施例的流程圖； 圖3是一示意圖，說明標記有利用他行自動提款機進行本行交易之交易熱區的一地圖； 圖4是本發明視覺化呈現本行自動提款機佈點營運狀態的方法之第二實施例的流程圖；及 圖5是一示意圖，說明標記有利用本行自動提款機進行交易之交易熱區的一地圖。The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a block diagram illustrating the first method of implementing the present invention to visually display the operating status of the cash dispenser An electronic device of the embodiment; Figure 2 is a flowchart of the first embodiment of the method for visually presenting the operation status of other bank's automatic teller machines according to the present invention; Figure 3 is a schematic diagram illustrating the use of other bank automatic withdrawal Figure 4 is a flowchart of the second embodiment of the method for visually presenting the operation status of the bank's cash dispensers according to the present invention; and Figure 5 is a schematic diagram illustrating the marks There is a map of hot trading areas where the bank's ATM is used for transactions.

21~26‧‧‧步驟 21~26‧‧‧Step

Claims (8)

一種視覺化呈現自動提款機佈點營運狀態的方法，藉由一電子裝置來實施，並包含以下步驟：(A)對於多台他行目標自動提款機之每一者，判定是否存在至少一台他行鄰近自動提款機，其中每一他行鄰近自動提款機所對應之一提款機資料中所包含的一提款機位置與該他行目標自動提款機所對應之一提款機資料中所包含的一提款機位置間的距離小於一預設距離；(B)對於每一他行目標自動提款機，當判定出存在該至少一台他行鄰近自動提款機時，根據該他行目標自動提款機及該至少一台他行鄰近自動提款機之每一者所對應之提款機資料中所包含的一與一本行相關的交易資訊，獲得指示出一涵蓋該他行目標自動提款機及該至少一台他行鄰近自動提款機與該本行之交易量的一集群交易結果，每一他行目標自動提款機所對應之交易資訊包含一相關於該本行支付給所對應之他行目標自動提款機之所有手續費的手續費支出總額，及一相關於藉由該他行目標自動提款機提取該本行之存款的現金提取總額之至少一者，每一他行鄰近自動提款機所對應之交易資訊包含一相關於該本行支付給所對應之他行鄰近自動提款機之所有手續費的手續費支出總額，及一相關於藉由該他行鄰近自動提款機提取該本行之存款的現金提取總額之至少一者；及(C)根據每一他行目標自動提款機所對應的提款機位 置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於一地圖上。 A method for visually presenting the operating status of cash dispensers is implemented by an electronic device and includes the following steps: (A) For each of multiple target cash dispensers, determine whether there is at least one The other bank is adjacent to the cash dispenser, and the location of a cash machine included in the cash machine data corresponding to the cash dispenser of each other bank’s neighboring cash dispenser corresponds to the cash dispenser corresponding to the target cash machine of the other bank. The distance between the positions of a cash machine included in the cash machine data is less than a preset distance; (B) For each other bank target cash machine, when it is determined that there is at least one other bank adjacent cash machine At the time, according to the transaction information related to a bank contained in the ATM data corresponding to the target ATM of the other bank and each of the at least one neighboring ATM of the other bank A cluster transaction result covering the target ATM of the other bank and the transaction volume between the at least one neighboring ATM of the other bank and the bank, and the transaction information corresponding to each target ATM of the other bank Contains a total fee expenditure related to all handling fees paid by the bank to the corresponding target ATM of another bank, and a total amount related to the withdrawal of the bank’s deposit through the target ATM of the other bank At least one of the total cash withdrawal, the transaction information corresponding to each other bank’s neighboring ATMs includes a total transaction fee expenditure related to all the fees paid by the bank to the corresponding neighboring ATMs of other banks , And at least one of the total amount of cash withdrawal related to the bank’s deposits withdrawn from the bank’s neighboring ATMs; and (C) According to the ATM corresponding to each other bank’s target ATM Bit Set and cluster transaction results, and mark the hot spots related to all cluster transaction results on a map. 如請求項1所述的視覺化呈現自動提款機佈點營運狀態的方法，在步驟(C)之後，還包含以下步驟：(D)在接收到一經由操作該地圖而產生並相關於一位於該地圖上之地理區塊的資料請求後，獲得多筆對應有公司位置位於該地理區塊內的公司資料、一相關於該地理區塊內之所有綜所稅的綜所稅總額、一相關於該地理區塊內之所有住戶的戶數，及一相關於該地理區塊內之所有人口的人口總數之至少一者，其中每筆公司資料包含一資本額。 The method for visually presenting the operating status of cash dispensers as described in claim 1, after step (C), further includes the following steps: (D) after receiving a map generated by operating the map and related to a location After the data request of the geographic block on the map, a number of company data corresponding to the company's location in the geographic block are obtained, a total comprehensive tax related to all comprehensive taxes in the geographic block, and a related At least one of the number of all households in the geographic area and the total population related to all the population in the geographic area, where each company data includes a capital amount. 如請求項2所述的視覺化呈現自動提款機佈點營運狀態的方法，其中，在步驟(D)中，該電子裝置係藉由先獲得多筆對應有住戶位置位於該地理區塊內的住戶資料，並根據該等住戶資料之筆數獲得該戶數，再根據每一住戶資料所包含的一綜所稅統計出該綜所稅總額，並根據每一住戶資料所包含的一住戶人數統計出該人口總數。 The method for visually presenting the operating status of an automatic teller machine as described in claim 2, wherein, in step (D), the electronic device first obtains a plurality of corresponding household locations within the geographic area Household data, and obtain the number of households based on the number of such household data, and then calculate the total comprehensive tax based on the comprehensive tax contained in each household data, and calculate the total number of households based on each household data Count the total number of the population. 如請求項1所述的視覺化呈現自動提款機佈點營運狀態的方法，其中，在步驟(A)中，每一他行目標自動提款機之交易資訊的手續費支出總額或現金提取總額之排名位於一預設排名內。 The method for visually presenting the operating status of the cash dispenser as described in claim 1, wherein, in step (A), the total transaction fee expenditure or the total cash withdrawal of the transaction information of each target cash dispenser of another bank The ranking is within a preset ranking. 一種視覺化呈現自動提款機佈點營運狀態的方法，藉由一電子裝置來實施，並包含以下步驟：(A)對於多台本行目標自動提款機之每一者，判定是 否存在至少一台本行鄰近自動提款機，其中每一本行鄰近自動提款機所對應之一提款機資料中所包含的一提款機位置與該本行目標自動提款機所對應之一提款機資料中所包含的一提款機位置間的距離小於一預設距離；(B)對於每一本行目標自動提款機，當判定出存在該至少一台本行鄰近自動提款機時，根據該本行目標自動提款機及該至少一台本行鄰近自動提款機之每一者所對應之提款機資料中所包含的一交易資訊，獲得指示出一涵蓋該本行目標自動提款機及該至少一台本行鄰近自動提款機之交易量的一集群交易結果，每一本行目標自動提款機所對應之交易資訊包含一相關於藉由該本行目標自動提款機提取存款的現金提取總額，每一本行鄰近自動提款機所對應之交易資訊包含一相關於藉由該本行鄰近自動提款機提取存款的現金提取總額；及(C)根據每一本行目標自動提款機所對應的提款機位置及集群交易結果，將相關於所有集群交易結果的交易熱區標記於一地圖上。 A method of visually presenting the operating status of the cash dispensers is implemented by an electronic device and includes the following steps: (A) For each of the multiple target cash dispensers of the bank, determine yes Whether there is at least one cash dispenser adjacent to the bank, and the location of a cash dispenser included in the cash machine data corresponding to each cash dispenser adjacent to the bank corresponds to the target cash dispenser of the bank The distance between the positions of one of the cash machines contained in the data of one of the cash machines is less than a preset distance; (B) For each target cash machine of the bank, when it is determined that there is at least one cash machine adjacent to the bank At the time of cashing machine, according to the transaction information contained in the cash machine data corresponding to the bank’s target cash machine and each of the at least one neighboring cash machine A cluster transaction result of the transaction volume of the target ATM and the at least one neighboring ATM of the bank, the transaction information corresponding to each target ATM of the bank The total amount of cash withdrawals for deposits withdrawn by ATMs, the transaction information corresponding to each bank's neighboring ATMs includes a total amount of cash withdrawals related to the withdrawal of deposits by the bank's neighboring ATMs; and (C) According to the location of the ATM corresponding to each bank's target ATM and the cluster transaction result, the transaction hotspots related to all cluster transaction results are marked on a map. 如請求項5所述的視覺化呈現自動提款機佈點營運狀態的方法，在步驟(C)之後，還包含以下步驟：(D)在接收到一經由操作該地圖而產生並相關於一位於該地圖上之地理區塊的資料請求後，獲得多筆對應有公司位置位於該地理區塊內的公司資料、一相關於該地理區塊內之所有綜所稅的綜所稅總額、一相關於該地理區塊內之所有住戶的戶數，及一相關於該地理區塊內之所有人口 的人口總數之至少一者，其中每筆公司資料包含一資本額。 The method for visually presenting the operating status of cash dispensers as described in claim 5, after step (C), further includes the following steps: (D) after receiving a map generated by operating the map and related to a location After the data request of the geographic block on the map, a number of company data corresponding to the company's location in the geographic block are obtained, a total comprehensive tax related to all comprehensive taxes in the geographic block, and a related The number of all households in the geographic area, and one related to all the population in the geographic area At least one of the total population of, where each company data contains a capital amount. 如請求項6所述的視覺化呈現自動提款機佈點營運狀態的方法，其中，在步驟(D)中，該電子裝置係藉由先獲得多筆對應有住戶位置位於該地理區塊內的住戶資料，並根據該等住戶資料之筆數獲得該戶數，再根據每一住戶資料所包含的一綜所稅統計出該綜所稅總額，並根據每一住戶資料所包含的一住戶人數統計出該人口總數。 The method for visually presenting the operating status of an automatic teller machine as described in claim 6, wherein, in step (D), the electronic device first obtains a plurality of corresponding household locations within the geographic area Household data, and obtain the number of households based on the number of such household data, and then calculate the total comprehensive tax based on the comprehensive tax contained in each household data, and calculate the total number of households based on each household data Count the total number of the population. 如請求項5所述的視覺化呈現自動提款機佈點營運狀態的方法，其中，在步驟(A)中，每一本行目標自動提款機之交易資訊的現金提取總額之排名位於一預設排名內。 The method for visually presenting the operating status of cash dispensers as described in claim 5, wherein, in step (A), the total cash withdrawal of transaction information for each bank’s target cash dispenser is ranked in a pre- Set within the ranking.
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