JP2001283285A - Automatic cash transaction device, automatic cash transaction method and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide new service which can reduce the psychological burden on a customer at withdrawal of cash. SOLUTION: An automatic cash transaction device is provided with a card reader for reading customer specific information of a customer card, an access means for accessing the account database of the customer by using customer specific information, an input means for permitting the customer to input withdrawing data on a cash withdrawing operation, and a withdrawing operation means deciding whether withdrawal is possible or not by using account data and withdrawing data, a game operation means for performing a game when the withdrawal operation means decides that withdrawal is possible and an output means for outputting the result of the game operation means to the customer. The game operation means decides whether a withdrawal charge is required or not based on withdrawal data and withdrawing time, and performs the game only when the withdrawal charge is required.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash dispensing and dispensing apparatus used in financial institutions and the like, which has a prize function.

[0002]

2. Description of the Related Art In the past, a financial product called "time deposit with prize money" has been devised, in which a lottery is conducted for customers who have made a contract for time deposit, and the winning customer receives a prize money. In response to this “time deposit with prize money”, an automatic cash dispensing and dispensing apparatus is disclosed in Japanese Patent Laid-Open No. Hei 10-283423.
No. was disclosed. This technology allows a customer to input an arbitrary symbol when a customer deposits a time deposit, determines a winning or a loss based on the symbol, and provides a cash unit provided with a control unit for controlling so as to notify the customer. Provided automatic deposit and withdrawal device. As a result, the automatic cash-receipt-and-disbursement device was made to correspond to the time deposit with a prize money, and it was the technique which contributed to labor saving of the window operation of the financial institution.

An animation, a melody is played, or a required time is displayed and displayed as described in Japanese Patent Application Laid-Open No. 6-60102 during the processing waiting time in the automatic cash dispenser. The technique of counting down makes the user feel that the waiting time associated with the device processing is short, and has an effect of eliminating anxiety and frustration from waiting.

[0004]

With the recent trend toward cashlessness, while carrying large amounts of cash is reduced, the number of times cash is withdrawn tends to increase. On the other hand, in the case of cash withdrawals other than the predetermined transaction financial institution or cash withdrawals outside the predetermined time, a “transaction fee” to be paid by the customer is often set in relation to communication costs and management costs. Many customers feel a psychological burden on this transaction fee. Further, as described in Japanese Patent Application Laid-Open
The method of the prize by the automatic cash dispensing and dispensing device described in -283423 is based on the premise of depositing a time deposit and inputting a favorite number, so that people who are waiting in turn when congested are crowded. This will increase the waiting time.

An object of the present invention is to provide a technology relating to an automatic cash dispenser which can reduce a psychological burden on a customer when withdrawing cash. The object of the invention described in claims 1 to 4 is
An object of the present invention is to provide an automatic cash transaction apparatus which can reduce a psychological burden on a customer when withdrawing cash. Another object of the present invention is to provide an automatic cash transaction method capable of reducing a psychological burden on a customer when withdrawing cash. Still another object of the present invention is to provide a computer program capable of reducing a psychological burden on a customer when withdrawing cash.

[0006]

SUMMARY OF THE INVENTION The present invention is to achieve the above object.

According to the first aspect of the present invention, a card reader for reading customer identification information for identifying a customer stored in a customer card, and using the customer identification information to accumulate account data relating to the account of the customer. Access means for accessing the account database; input means for the customer to input withdrawal data relating to cash withdrawal operation; and withdrawal calculation means for determining whether or not withdrawal is possible using the account data and withdrawal data;
The present invention relates to an automatic teller machine comprising: game calculation means for executing a game when the withdrawal calculation means determines that the game can be withdrawn; and output means for outputting a result of the game calculation means to a customer.

(Explanation of terms) A "customer card" is a card that can confirm the customer, and is a magnetic card or the like used in an automatic teller machine. "Withdrawal Data"
Usually, a four-digit password is used. In addition, information to be input as to how much to withdraw, whether or not a 1,000-yen bill is necessary, etc. is also referred to as withdrawal data. The “input unit” is, for example, an input device such as a touch panel and numeric keys set on a CRT or a liquid crystal display.

[0009] The "game" is, for example, a lottery or a quiz. The lottery may be such that a lottery is automatically executed when a cash withdrawal operation is performed, or may provide a customer with a choice through voice or screen output. If the game is a lot to be played automatically, no customer input is required to run the game. "Result of game calculation means"
If the game is a lottery or a quiz, it means a lottery hit or a correct / incorrect answer to the quiz. Includes both economic benefits and non-economic benefits for winning lotteries and quizzes. "Output means" is, for example,
When the result of the game is output by voice, it is a speaker, and when it is output as an image, it is an output device such as a CRT or a liquid crystal display used for guiding cash transactions.

(Operation) A customer who wants to withdraw cash causes an automatic teller machine to read customer identification information recorded on a customer card by a card reader. Then, the automatic teller machine accesses, by the access means, an account database storing account data relating to the account of the customer using the customer identification information. On the other hand, the customer uses the input means to input withdrawal data relating to the cash withdrawal operation. The withdrawal calculation means determines whether or not withdrawal is possible using the customer identification information, account data, and withdrawal data. Then, when the withdrawal calculation means determines that the withdrawal is possible, the game calculation means executes the game. That is, the game is executed during the transaction processing by the automatic teller machine. Then, the result is output to the customer by the output means.

According to a second aspect of the present invention, there is provided a cash transaction apparatus according to the first aspect, wherein the game calculation means determines whether a withdrawal fee is required based on the withdrawal data and the withdrawal time. The present invention relates to an automatic teller machine that executes a game only when the withdrawal fee is required. (Explanation of terms) The “withdrawal fee” is set, for example, when cash is withdrawn after 18:00 or when cash is withdrawn from a financial institution other than a predetermined financial institution.

(Operation) The game calculation means determines whether or not a withdrawal fee is required based on the withdrawal data and the withdrawal time. Then, the game is executed only when the withdrawal fee is required. As a customer,
You can enjoy the game in exchange for a withdrawal fee. On the other hand, to enjoy the game,
Even if there is a customer who wants to make cash withdrawals multiple times, the withdrawal fee is a psychological brake. Therefore, the act of performing cash withdrawal in a plurality of times in order to enjoy the game can be suppressed, which is useful for avoiding congestion in the automatic teller machine.

According to a third aspect of the present invention, there is provided an automatic cash transaction apparatus according to the second aspect, wherein a winning processing means for performing post-processing when the result of executing the game by the game calculation means is a winning. The present invention relates to an automatic teller machine in which the winning processing means does not perform a withdrawal fee withdrawal procedure.

(Operation) If the game is executed and the game is won as a result, the winning processing means processes the withdrawal fee withdrawal procedure as not performed. In the case of a winning, the customer has the economic advantage of not having to pay a transaction fee. Expectations that transaction fees may not be incurred reduce the psychological burden of overtime withdrawals and the like.

According to a fourth aspect of the present invention, there is provided an automatic cash transaction apparatus according to any one of the first to third aspects, wherein the game calculation means determines whether the account data satisfies a predetermined condition. The present invention relates to an automatic teller machine that changes the winning probability of a game when the predetermined condition is satisfied. (Explanation of terms) The "predetermined conditions" include an account balance, the presence or absence of a time deposit, a transaction balance in the current month, and the like. When the predetermined condition is useful for the financial institution, the winning probability of the game is changed.

(Action) Since the winning probability of the game is changed when the predetermined condition is satisfied, the psychology of satisfying the predetermined condition so as to increase the winning probability of the game acts on the customer,
Financial institutions can have economic benefits. It also leads to attracting customers.

The invention described in claim 5 is a process invention corresponding to claim 2. That is, according to the second aspect of the present invention, a customer identification information reading procedure for reading customer identification information for identifying a customer stored in a customer card, and using the customer identification information, account data relating to the customer's account is stored. An access procedure for accessing the accumulated account database, an input procedure for providing the customer to input withdrawal data related to cash withdrawal operation, and a withdrawal calculation for judging whether or not withdrawal is possible using the account data and the withdrawal data And if the withdrawal calculation procedure determines that the withdrawal is possible, and determines whether or not a withdrawal fee is necessary based on the withdrawal data and the withdrawal time. The game calculation procedure to be executed and the result of the game calculation procedure are output to the customer According to the automatic cash transaction method and a force procedure.

According to a sixth aspect of the present invention, there is provided an automatic cash transaction method according to the fifth aspect, wherein a winning processing procedure for performing post-processing when a result of executing a game by the game calculation means is a winning. In addition, the winning processing procedure relates to an automatic cash transaction method in which a withdrawal fee withdrawal procedure is not performed.

The invention according to claim 7 is an invention relating to a recording medium on which a program for causing a computer to execute the process invention according to claim 5 is recorded. The program uses a computer to read customer identification information for reading the customer identification information for identifying the customer stored in the customer card, and accumulates account data relating to the customer's account using the customer identification information. An access procedure for accessing an account database, an input procedure for providing a customer to input withdrawal data relating to a cash withdrawal operation, and a withdrawal calculation procedure for determining whether or not withdrawal is possible using account data and withdrawal data. If the withdrawal calculation procedure determines that the withdrawal is possible and it is determined whether or not a withdrawal fee is required based on the withdrawal data and the withdrawal time, the game is executed only when the withdrawal fee is required. The game calculation procedure and the result of the game calculation procedure are sent to the customer. Is a program for executing an output procedure for.

Here, the "recording medium" is a medium capable of carrying a program which cannot occupy space by itself, such as a floppy (registered trademark) disk, a hard disk, a CD-ROM, an MO ( Magneto-optical disk), DVD-ROM, PD and the like. The processing method according to claim 6 can also be provided as a computer program.

[0021]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in more detail with reference to embodiments and drawings. The drawings used here are FIGS. 1 to 6. FIG. 1 is a conceptual diagram showing the overall configuration of the present invention. FIG. 2 is a flowchart showing the first embodiment of the present invention. FIG. 3 is a flowchart illustrating the second embodiment. FIG. 4 is an explanatory diagram of an output example showing an example of automatic lottery. FIG. 5 is an explanatory diagram of an output example of the quiz format game. FIG. 6 is a flowchart illustrating the third embodiment.

(FIG. 1) The ATM terminal device (cash automatic transaction device) according to the present embodiment has a configuration as shown in FIG. That is, a display unit including a display device such as a CRT, an input unit including an input device such as a touch panel for a customer to input various information, and a card for reading data recorded on a customer card owned by the customer. A processing unit, a printing unit for printing and recording a transaction record on a passbook or a statement of use, a cash processing unit for depositing and withdrawing cash, and a transaction control unit for controlling them. In addition, transaction contents and user information are obtained from the transaction control unit, and information on the transaction contents and the user is obtained from the transaction contents, for example, whether the payment is cash payment, withdrawal, or use of expensive services. , A new service, an existing user, etc., and is connected to a host system via a communication line. It is also provided with the interface part which has.

Further, the ATM terminal device according to the present embodiment can perform lottery at the time of cash withdrawal. The lottery is a lottery storage unit that stores the content of the lottery, a transaction content determination unit that obtains transaction content and customer information from the transaction control unit, and a transaction content and customer information that is obtained through the transaction content determination unit. And a lottery control unit that controls which lottery is stored in the lottery storage unit in accordance with the lottery control unit. The display unit may be a liquid crystal display that can save installation space.

The input section may be an input device such as a keyboard provided near the display section. The card processing unit may be a card reader / writer capable of reading and writing a card. The cash processing unit can pay out the stored cash to the customer. The terminal device may be a terminal device dedicated to payout, or may be a terminal device that can accept and store customer's cash. The transaction control unit is connected to the host system via the interface unit and the communication line,
Various transactions are executed based on customer input operations and communication with the host system, and the automatic transaction device functions.

In this embodiment, the ATM having the above-described configuration is used.
The transaction control unit and the lottery control unit of the terminal device are realized by executing a program stored in a storage unit such as a memory or a hard disk (not shown). In addition, the program is a magnetic tape or disk,
It may be provided by being stored in an optical storage means or a semiconductor memory or other various storage media.

(FIG. 2) FIG. 2 shows a processing procedure based on the above-described hardware configuration. First, when a customer goes to the ATM terminal device according to the present embodiment, a customer card insertion instruction is output on a screen. Once the customer card is inserted,
The user is requested to input a personal identification number, and then requested to input a withdrawal amount. On the other hand, it is determined whether or not the transaction time is after 18:00 using a clock in the ATM terminal device, and if it is after 18:00, the game software is started. The progress of the game will be described later.

The ATM terminal device communicates with the host system, accesses the account database, and performs a debit procedure if there is a balance. Also, by running the game,
In the case of "hit", the transaction fee is free, and this is communicated to the host system with information indicating that no fee is charged. In the case of "missing", as usual, a procedure for withdrawing the overtime transaction fee is performed, and then a process of paying out cash, returning the card, and printing a detailed statement is performed.

There is an economical advantage that a customer who wins a "hit" does not receive a commission even though the transaction is normally a time slot that requires an overtime transaction fee. Also, as an indirect effect, there is an effect of attracting customers because of the expectation that "the transaction may not be charged even if the transaction takes place during the hours when the transaction is overtime." In addition,
If the account database is accessed and there is a balance, the withdrawal procedure and the processing in the case of a "win" caused by playing the game may be separate communication processing.

(FIG. 3) FIG. 3 differs from the example of FIG. 2 described above in that the game software is started depending on whether or not cash is withdrawn from a financial institution that requires a transaction fee. Is the same. In addition, in order to simplify the system improvement between financial institutions, in the case where a game software is won, a procedure may be adopted in which a transaction fee is once deducted and then the transaction fee is refunded later. In actual operation, in this example, the judgment of "whether or not the transaction fee is a cash withdrawal from a financial institution that requires a transaction fee" and the aforementioned ",
Whether the transaction time is after 18:00 or not "may be combined, and if any one of them is applicable, the game software may be activated.

(FIG. 4) FIG. 4 shows an example of a "lottery game" in which a customer participates in the progress of the game. After inserting the customer card, inputting the PIN, and inputting the withdrawal amount, the customer is presented with a screen saying "Processing now", but at that time, only one of the five lotteries is selected for the customer. do that for me. If you win, the withdrawal fee will be free.

FIG. 3 shows a state in which the hit exists at the center and the left end, and the probability of the hit is 40%. The winning probability is changed according to the transaction status of the customer. For example, 20% for a small general customer, 40% for a customer who is a predetermined customer or more. The location of the lottery is changed every time using a random number generator or the like. However, it is not necessary to download update software from the host system.

(FIG. 5) FIG. 5 shows an example of a "choice quiz game" in which a customer participates in the progress of the game. In order to execute the quiz game, it is necessary to download a quiz Q & A from the host system as needed. However, there is an advantage that a campaign using the quiz and a new product advertisement can be developed.

(FIG. 6) FIG. 6 shows a variation relating to a game hit. In this variation, in the case of "hit", a commodity voucher is issued, and the user is provided with an economic advantage. According to this variation, the game and the lottery are executed simultaneously during the waiting time of the communication processing with the host system and the terminal operation after the communication. Therefore, the user is less irritated during the waiting time. In addition, in the figure, "It is winning.
Exchange at IK bank for prizes. However, when an ATM terminal device is installed in a station, the prize may be exchanged for a prize at a ticketing window or the like in the station yard.

(Game Variation) The game is A
In the case of automatic execution on the TM terminal side,
No input operation is required from the customer side. For example, automation is performed such that a multiple of 4 is used as a hit when a random number generator is used. (Other Variations) When the ATM terminal device is also capable of depositing cash, the game may be performed when the cash processing unit performs deposit of cash or setting of time deposit.

[0035]

According to the first to fourth aspects of the present invention, it is possible to provide an automatic cash transaction apparatus which can reduce a psychological burden on a customer when withdrawing cash. According to the fifth and sixth aspects of the present invention, it is possible to provide an automatic cash transaction method capable of reducing a psychological burden on a customer when withdrawing cash. Furthermore, according to the seventh aspect of the present invention, it is possible to provide a computer program capable of reducing a psychological burden on a customer when withdrawing cash.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing the overall configuration of the present invention.

FIG. 2 is a flowchart showing a first embodiment of the present invention.

FIG. 3 is a flowchart illustrating a second embodiment.

FIG. 4 is an explanatory diagram of an output example showing an example of automatic lottery.

FIG. 5 is an explanatory diagram of an output example of a quiz format game.

FIG. 6 is a flowchart showing a third embodiment.

[Procedure amendment]

[Submission date] April 5, 2000 (200.4.5)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Name of invention

[Correction method] Change

[Correction contents]

Patent application title: Automatic cash transaction apparatus, automatic cash transaction method, and recording medium

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 234 G06F 17/60 234Z (72) Inventor Yoshiaki Shiraki 1-16 Shibata, Kita-ku, Osaka-shi, Osaka -1 Inside Hankyu Corporation (72) Inventor Hirohisa Fujita 2-1-11 Jonan, Ikeda-shi, Osaka Prefecture Inside Ikeda Bank, Ltd. (72) Inventor Hideki Osato 1-7-12 Toranomon, Minato-ku, Tokyo Oki Electric Industrial Co., Ltd. F-term (reference) 3E040 AA03 BA07 CB04 EA08 FJ04 FJ05 FJ09 5B055 BB03 CA01 CB01 PA00 9A001 JJ64 JJ76 JZ01

Claims (7)

[Claims] 1. A card reader for reading customer identification information for identifying a customer stored in a customer card, and using the customer identification information to access an account database storing account data relating to the customer's account. Means, input means for the customer to input withdrawal data relating to cash withdrawal operation, withdrawal calculation means for judging whether or not withdrawal is possible using account data and withdrawal data, and withdrawal calculation means capable of withdrawal An automatic cash transaction apparatus comprising: game calculation means for executing a game when it is determined that the game calculation means has been selected, and output means for outputting a result of the game calculation means to a customer. 2. The game calculation means judges whether or not a withdrawal fee is required based on the withdrawal data and the withdrawal time, and executes the game only when the withdrawal fee is required. Automatic teller machine as described. 3. The game processing device according to claim 1, further comprising: a winning processing unit that performs post-processing when a result of executing the game by the game calculating unit is a winning. The winning processing unit performs a process in which a withdrawal fee withdrawal procedure is not performed. The automated teller machine according to claim 2. 4. The game computing means according to claim 1, wherein said game calculation means determines whether or not said account data satisfies a predetermined condition, and, if said predetermined condition is satisfied, changes a game winning probability. 3. The automatic cash transaction apparatus according to any one of 3. 5. A customer identification information reading procedure for reading customer identification information for identifying a customer stored in a customer card, and using the customer identification information to an account database storing account data relating to the customer's account. An access procedure for accessing, an input procedure for providing that the customer inputs withdrawal data relating to a cash withdrawal operation, a withdrawal calculation procedure for judging whether or not withdrawal is possible using account data and withdrawal data, and the withdrawal A game calculation procedure for determining whether or not a withdrawal fee is required based on the withdrawal data and the withdrawal time when the calculation procedure is determined to be withdrawable, and executing the game only when the withdrawal fee is required; And an output procedure for outputting the result of the game calculation procedure to the customer. Automated trading method. 6. A winning processing procedure for performing post-processing when a result of executing the game by the game calculation means is a winning, wherein the winning processing procedure is such that the withdrawal fee withdrawal procedure is not performed. The cash automatic transaction method according to claim 5. 7. A customer identification information reading procedure for reading customer identification information for identifying a customer stored in a customer card in a computer, and using the customer identification information to accumulate account data relating to the account of the customer. Access procedure for accessing the withdrawn account database, input procedure for providing the customer withdrawal data related to cash withdrawal operation, and withdrawal calculation procedure for judging whether or not withdrawal is possible using the account data and withdrawal data And if the withdrawal calculation procedure determines that the withdrawal is possible, and determines whether or not a withdrawal fee is required based on the withdrawal data and the withdrawal time, and executes the game only when the withdrawal fee is required. And output the result of the game calculation procedure to the customer A computer-readable recording medium storing a program for executing a force procedure.