JP2002197514A - Automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction system which enables transaction processing with multiple financial institutions while reducing the storage capacity needed for a terminal device. SOLUTION: A center device 20 stores and holds guide display programs by the financial institutions, and the terminal device 10 obtains the guide display program of a client financial institution from the center device 20, which mediates in transaction processing between the terminal device 10 and a host device 30 of the financial institution, etc.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system and an automatic transaction method for performing financial transaction processing between a terminal device such as an ATM (automatic teller machine) and a host device of a financial institution. The present invention relates to an automatic transaction system that enables transaction processing with a plurality of financial institutions using the terminal device.

[0002]

2. Description of the Related Art Conventionally, in the banking business, when depositing and withdrawing cash of a user, the problem of time and distance caused by localization of the bank in an urban area is solved, and the number of people involved in the procedure of depositing and withdrawing money. In order to reduce costs and facilitate deposit and withdrawal management, unattended cash deposit and withdrawal devices are installed not only in bank stores but also in simple booths provided in buildings, station yards, shopping malls, etc. Many ATMs (automatic teller machines) are installed.

[0003] In recent years, in particular, there has been a noticeable movement to install an ATM in a convenience store, taking advantage of location conditions and business forms. Also, at the convenience store, even before the ATM is installed, a multifunctional terminal device capable of purchasing various tickets such as air tickets, tickets, music concerts, or various catalog products by credit card payment is installed. Was.

In general, a multi-function terminal device includes a display unit for introducing a product or service, an input unit for selecting an item for determining a product to be purchased, and a card for reading various information stored in a credit card. And a credit card read by a card reader.
Sent to the host of the credit clearing house over the network.

In such ATMs and multifunctional terminal devices (hereinafter, these are collectively simply referred to as terminal devices),
In many cases, a single terminal device can use services of a plurality of different financial institutions or the like for reasons such as user convenience and reduction in installation costs of the financial institutions.

[0006] Therefore, in order to enable one terminal device to process transactions with a plurality of financial institutions, the terminal device describes, for each financial institution, a guide display screen display, a communication protocol with the host, and the like. The dedicated operation program is stored. In other words, one terminal device needs to store the operation programs of all the financial institutions that provide the service.

[0007] In particular, for the guidance display screen, completely different displays are adopted for each financial institution because the services to be provided are different for each financial institution and to differentiate from other financial institutions. On the other hand, for the same financial institution, in consideration of the operability of the user, the guidance display screens by the same financial institution are scattered of the same or different types so that the same screen can be displayed regardless of the region. It is necessary to unify between terminal devices.

[0008]

However, a large amount of memory is required to store a plurality of operation programs different for each financial institution in the terminal device, and the terminal device itself becomes expensive. In addition, when the operation programs stored in each terminal device are corrected (such as a service to be provided) or a new operation program is added, there is a problem that the operation programs of all the terminal devices must be changed.

[0009] For this reason, when the change is downloaded from the center device to all the terminal devices, not only the communication cost becomes enormous, but also an operation program of a financial institution that is unnecessary in some regions is downloaded. There was a problem of becoming.

The present invention is required based on the background and problems described above. When one terminal device performs transaction processing with a plurality of financial institutions, the terminal device may include a plurality of financial institutions as necessary. It is an object of the present invention to provide an automatic transaction system that acquires a corresponding guidance display program from a center device that stores a guidance display program for each financial institution and performs guidance display according to the acquired guidance display program.

[0011]

Means for Solving the Problems The above-mentioned problems are solved,
In order to achieve the object, in the automatic transaction system according to claim 1, a terminal device, a center device, and a host device of a financial institution are connected by a communication line, and a transaction is performed between the terminal device and the host device. In the automatic transaction system that performs the processing, the terminal device reads the financial institution code from a card on which at least a financial institution code for identifying the financial institution is recorded, transmits the financial institution code to the center device, Upon receiving the guidance display program from the center device, the guidance display program is stored, and operation guidance for using the service by the financial institution in response to the guidance display program and an input signal input in response to an operation of the operator. Is displayed, and the center device provides guidance for each financial institution corresponding to one or more financial institution codes in advance. Storing indicates program receives the financial institution code from the terminal device, and transmits the guidance display program corresponding to the financial institution code to the terminal device.

According to the present invention, when the terminal device displays the operation guidance of the financial institution as the business partner, the terminal display acquires the guidance display program for performing the operation guidance from the center device. It is not necessary to store and hold the guidance display program in the terminal device.

In the automatic transaction system according to the second aspect, the terminal device, the center device, and the host device of the financial institution are connected by a communication line, and transaction processing is performed between the terminal device and the host device. The terminal device stores a guide display program for each financial institution and version information of the guide display program corresponding to one or a plurality of financial institution codes,
At least read the financial institution code from the card on which the financial institution code for identifying the financial institution is recorded,
When the financial institution code is transmitted to the center device and the version information from the center device is received, the version information is compared with the stored version information of the guidance display program corresponding to the financial institution code. If they do not match, a guide display program request signal requesting a guide display program corresponding to the financial institution code is transmitted, and when the guide display program and the version information of the guide display program are received from the center device, the Storing a guidance display program and version information of the guidance display program, displaying an operation guidance for using the service by the financial institution in response to the guidance display program and an input signal input in response to an operation of an operator, The center device is provided with one or more financial machines in advance. A guidance display program for each financial institution and version information of the guidance display program are stored in correspondence with the code, and when a financial institution code is received from the terminal device, the version information of the guidance display program corresponding to the financial institution code is stored. Transmitting to the terminal device,
Upon receiving a guidance display program request signal from the terminal device, transmitting a guidance display program corresponding to the financial institution code included in the guidance display program request signal and version information of the guidance display program to the terminal device. And

According to the present invention, when the terminal device displays the operation guidance of the financial institution as the business partner, the terminal device acquires the version information of the guidance display program for performing the operation guidance from the center device, and the version information is obtained. When the version information of the guide display program held by the own terminal device is different from the version information of the guide display program, the corresponding guide display program is acquired from the center device and executed, so that the acquisition of the guide display program from the center device is minimized. be able to.

In the automatic transaction system according to the third aspect, the terminal device, the center device, and the host device of the financial institution are connected by a communication line, and transaction processing is performed between the terminal device and the host device. The terminal device stores a guide display program for each financial institution and version information of the guide display program corresponding to one or a plurality of financial institution codes,
At least read the financial institution code from the card on which the financial institution code for identifying the financial institution is recorded,
When the version information of the financial institution code and the guidance display program stored corresponding to the financial institution code are transmitted to the center device, and the guidance display program from the center device and the version information of the guidance display program are received. Storing the guide display program and the version information of the guide display program, and displaying an operation guide for using the service by the financial institution in response to the guide display program and an input signal input in response to an operation of an operator. The center device stores a guide display program for each financial institution and version information of the guide display program corresponding to one or a plurality of financial institution codes in advance, and stores the financial institution code and the guide display program from the terminal device. When version information is received, The version information of the guidance display program corresponding to the relevant financial institution code is compared with the stored version information of the guidance display program corresponding to the relevant financial institution code. The information is transmitted to the terminal device.

According to the present invention, when the terminal device displays the operation guidance of the financial institution that is the business partner, the center device acquires from the terminal device the version information of the guidance display program stored in the terminal device, When the version information is different from the version information of the guide display program held by the terminal device, the corresponding guide display program is transmitted to the terminal device, and the terminal device acquires and executes the latest guide display program from the center device. Therefore, transmission of the guidance display program from the center device can be suppressed to the minimum necessary.

Further, in the automatic transaction system according to claim 4, in the invention of claim 2 or 3, when the terminal device reads a financial institution code from a card, the terminal device corresponds to the financial institution code. It is determined whether or not the guidance display program is stored, and if not,
A guidance display program request signal for requesting a guidance display program corresponding to the financial institution code is transmitted,
Upon receiving the guidance display program request signal from the terminal device, the center device transmits to the terminal device a guidance display program corresponding to the financial institution code included in the guidance display program request signal and version information of the guidance display program. It is characterized by transmitting.

According to the present invention, when the terminal device displays the operation guidance of the financial institution as the business partner, if the guidance display program for performing the operation guidance is not stored, the corresponding guidance display is performed from the center device. Since the program is acquired and executed, acquisition of the guidance display program from the center device can be suppressed to the minimum necessary.

Further, in the automatic transaction system according to claim 5, in the invention according to any one of claims 1 to 4, the terminal device is connected to the center device in accordance with an operation of an operator. The center device transmits and receives the transaction information necessary for the transaction process to and from the terminal device, and transmits and receives the transaction information necessary for the transaction process between the terminal devices in advance. To store a communication protocol between the financial institution and the host device,
Upon receiving the transaction information from the terminal device, the transaction information is transmitted / received to / from the host device of the financial institution in accordance with the communication protocol corresponding to the financial institution code included in the transaction information.

According to the present invention, when the terminal device performs a transaction process with the host device of the financial institution that is the business partner, the terminal device performs the transaction process between the terminal device and the host device of the financial institution. Since communication is performed with each host device using a communication protocol unique to the host device, the terminal device does not need to have a communication protocol for each host device.

In the automatic transaction system according to claim 6, in the invention according to any one of claims 1 to 4, the terminal device may correspond to one or a plurality of financial institution codes. Memorize the communication protocol of each financial institution,
Upon receiving a communication protocol from the center device, the communication protocol is stored, and transaction information is transmitted and received with the host device of the financial institution in accordance with the operation protocol of the operator and the communication protocol corresponding to the financial institution code, The center device previously stores a communication protocol for each financial institution corresponding to one or a plurality of financial institution codes, and when transmitting a guidance display program, sets the communication protocol corresponding to the financial institution code of the guidance display program to the communication protocol. The information is transmitted to the terminal device.

According to the present invention, when the terminal device performs a transaction process with the host device of the financial institution as the business partner, the center device transmits the guidance display program to the terminal device when transmitting the guidance display program to the terminal device. The terminal device also communicates with each host device using the received communication protocol specific to the host device, and the terminal device directly performs transaction processing with each host device. And the terminal device does not need to have a communication protocol with another unnecessary host device.

According to a seventh aspect of the present invention, in the automatic transaction system according to any one of the first to sixth aspects, the terminal device stores the total storage amount of the stored guidance display program. Is larger than the predetermined amount, the guidance display program of the financial institution that has been used less frequently is deleted from the stored guidance display programs.

According to the present invention, when storing the received guidance display program, if the total storage amount of the guidance display program exceeds a predetermined amount, the terminal device may use the guidance display program that has already been stored. Since the guide display program of the financial institution that has been performed less frequently is deleted, it is possible to store and retain a minimum frequently used guide display program. In addition, since the guidance display program of the financial institution that is frequently used is not deleted, the communication cost for transmitting and receiving the guidance display program and the waiting time of the user can be reduced.

[0025]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of an automatic transaction system according to the present invention will be described below in detail with reference to the drawings. The present invention is not limited by the embodiment.

(Embodiment 1) First, an automatic transaction system according to Embodiment 1 will be described. Embodiment 1
In the automatic transaction system according to the above, the center device stores and holds a guidance display program for each of a plurality of financial institutions, the terminal device acquires the guidance display program of the partner financial institution from the center device, and the terminal device and the financial institution etc. The center device mediates transaction processing with the host device (hereinafter referred to as a financial institution host device).

FIG. 1 is a block diagram showing a schematic configuration of the automatic transaction system according to the first embodiment. In FIG. 1, the automatic transaction system according to the first embodiment includes a terminal device 10 and a center device 20 that can communicate with each other via a communication line 8. Here, there may be a plurality of terminal devices 10, and the center device 20 can communicate with the plurality of financial institution host devices 30 via the communication line 9.

The terminal device 10 includes a card reader 11, an input unit 12, a display unit 13, a storage unit 14, a control unit 15, and a communication control unit 18. Here, the card reader 11 is means for outputting card information read from a user's cash card or the like to the control unit 15,
It has the same function as a card reader provided in a conventional terminal device. As a medium from which the card information is read, a credit card or an IC card can be used in addition to a cash card.

The input section 12 is means for outputting to a control section 15 when a user inputs a number or a character according to a message or selection item displayed on the display section 13, and a touch panel integrated with the display section 13 is also provided. include. Display 1
Reference numeral 3 denotes a unit that displays characters or the like based on display data output from the control unit 15, and is a CRT display or a liquid crystal display.

The storage unit 14 is a means for storing a guidance display program input from the control unit 15, and is a nonvolatile memory such as a flash memory. The communication control unit 18
When a financial institution code or transaction information output from the control unit 15 is input, the financial institution code is connected to the center device 20 so as to be communicable, and the input financial institution code and the like are transmitted to the center device 20 using a predetermined communication protocol. . The communication control unit 1
8 receives the guidance display program and other notification and response information transmitted from the center device 20, and outputs the received content to the control unit 15.

The control unit 15 receives the card information output from the card reader 11 and outputs the financial institution code included in the input card information to the communication control unit 18. A process of inputting the received content such as the received guidance display program and outputting the received content to the storage unit 14 when the input reception content is the guidance display program, and processing the guidance display program stored in the storage unit 14 The terminal device 10 which mainly executes the process of displaying the screen according to the program on the display unit 13 and outputting the transaction information specified by the input from the input unit 12 to the communication control unit 18. Control means.

On the other hand, the center device 20 includes a storage unit 24, a control unit 25, a first communication control unit 27, and a second communication control unit 2.
8 is provided. Here, the storage unit 24 stores 1
Or a means for storing a plurality of financial institution codes, a guidance display program corresponding to the financial institution code, and a communication program according to a communication protocol for the financial institution corresponding to the financial institution code, and a nonvolatile memory such as a flash memory. Alternatively, it is a secondary storage device such as a magnetic disk.

The first communication control unit 27 outputs a signal received from the terminal device 10 to the control unit 25,
From the terminal device 1 via the communication line 8
0 means to transmit. Also, the second communication control unit 28
Is a means for transmitting a signal output from the control unit 25 to the financial institution host device 30 via the communication line 9 and outputting a signal received from the financial institution host device 30 to the control unit 25.

When the financial institution code is input from the first communication control unit 27, the control unit 25 retrieves the guidance display program corresponding to the financial institution code from the storage unit 24, and retrieves the retrieved guidance display program from the first communication control unit 27. Center device that mainly executes a process of outputting to the terminal device 10 and a process of mediating a transaction process between the terminal device 10 and the financial institution host device 30 via the first communication control unit 27 and the second communication control unit 28. 20 general control means.

Next, the operation of the automatic transaction system according to the first embodiment will be described. FIG. 2 shows the first embodiment.
3 is a flowchart showing the operation of the automatic transaction system according to the first embodiment. First, when a cash card or a credit card is inserted into the card reader 11, the terminal device 10 acquires a financial institution code from the inserted card (step S101), and transmits the acquired financial institution code to the center device 20.
(Step S102).

The center device 20 stores, in the storage unit 24, a correspondence table of the financial institution code of the business partner financial institution and a guidance display program corresponding to the financial institution code, and receives the financial institution code from the terminal device 10. Then, it is determined whether or not a financial institution code that matches the received financial institution code is included in the correspondence table (step S2).
01). If the matching financial institution code is not included in the correspondence table as a result of the comparison (No at Step S202), a mismatch notification is transmitted to the terminal device 10 (Step S203).

On the other hand, if the financial institution code corresponding to the received financial institution code is included in the correspondence table (Yes at step S202), the center device 20 stores the guidance display program corresponding to the financial institution code. It is acquired from the unit 24 (step S204), and the acquired guidance display program is transmitted to the terminal device 10 (step S20).
5).

The terminal device 10 is connected to the center device 20
(Step S)
103 affirmative), an error message indicating that the transaction is not possible is displayed on the display unit 13. When the guidance display program is received (No at Step S103), the guidance display program is stored in the storage unit 14 and executed (Step S105).

Thus, the terminal device 10 displays an input screen for inputting a personal identification number, selecting a service such as deposit withdrawal and transfer, and inputting a handling amount on the display unit 13 in accordance with the guidance display program. 12 prompts for transaction information. When the input of the transaction information is completed, the terminal device 10 transmits the transaction information including the financial institution code indicating the counterparty financial institution to the center device 20 (Step S106).

When the center device 20 receives the transaction information from the terminal device 10, it identifies the partner financial institution from the received transaction information, and corresponds to the identified financial institution among the communication protocols stored in the storage unit 24. The transaction information is transmitted to the financial institution host device 30 using the communication protocol for the financial institution host device (step S20).
6).

The financial institution host device 30 is the center device 2
When transaction information is received from 0, transaction processing based on the received transaction information is executed (step S301), and response information such as transaction details and transaction completion notification is transmitted to the center device 20 (step S302). Upon receiving the response information from the financial institution host device 30, the center device 20 transfers the received response information to the terminal device 10, which is the source of the transaction information (step S207).

When the terminal device 10 receives the response information,
The content of the received response information is displayed, and if necessary, the process returns to the execution of the guide display program, prompting the user to input transaction information again, and executing the steps S106, S206, S3
01, S302 and S207 are repeated. The center device receives the financial institution code from the terminal device 10 and, when transmitting the guidance display program to the terminal device 10, transmits both the guidance display program and the communication protocol corresponding to the financial institution code. You may. In this case, since the terminal device 10 can directly transmit and receive transaction information and the like to and from the financial institution host device, the center device needs to convert the protocol between the terminal device 10 and the financial institution host. The load on the center device 20 can be reduced.

As described above, according to the automatic transaction system according to the first embodiment, the center device holds a guidance display program for each of a plurality of financial institutions, and the terminal device corresponds to the counterparty financial institution. Since the guidance display is performed in accordance with the guidance display program acquired from the center device, the terminal device does not need to store and hold the guidance display program for every financial institution that can be traded, and one terminal device can be used for each financial institution. Different guidance displays are possible, and as a result, the memory capacity of the storage unit on the terminal device side can be reduced, and the device cost can be reduced.

The center device stores a communication program based on a different communication protocol for each financial institution host device, and exchanges transaction information with a financial institution host device as a communication partner by using the communication program. In addition to using the terminal device, the exchange of the transaction information is indirectly realized through the center device. Therefore, even if the terminal device does not store and hold the communication program for each financial institution host device, one terminal device can be used. The device can process transactions with many different financial institutions, and as a result, the memory capacity of the storage unit on the terminal device side can be reduced, and the device cost can be reduced.

(Embodiment 2) Next, an automatic transaction system according to Embodiment 2 will be described. In the automatic transaction system according to the second embodiment, when the center device stores and holds a guidance display program for each of a plurality of financial institutions and its version information, and when the terminal device executes the guidance display program of the partner financial institution, Acquire the version information of the latest guidance display program from the device,
When the version information is different from the version information of the guide display program held by the user, the latest guide display program is acquired from the center device.

The schematic configuration of the automatic transaction system according to the second embodiment is the same as that shown in FIG. 1, and a description thereof will be omitted here. However, the components described below have different functions from those described in the first embodiment. First, in the terminal device 10, the storage unit 14 is means for storing one or a plurality of financial institution codes, a guidance display program for each financial institution corresponding to the financial institution code, and version information of the guidance display program, and It is a nonvolatile memory such as a memory.

The communication control unit 18 receives the financial institution code and the transaction information output from the control unit 15,
A process for communicatively connecting to the center device 20 and transmitting the input financial institution code and the like to the center device 20 using a predetermined communication protocol, and receiving the guide display program and version information transmitted from the center device 20, A process of outputting the received content to the control unit 15;
And a process of transmitting the guidance display program request signal to the center device 20 when the guidance display program request signal is input from the PC.

When the card information output from the card reader 11 is input, the control unit 15 outputs a financial institution code included in the input card information to the communication control unit 18. When the information is input, it is determined whether or not the version information matches the version information already stored in the storage unit 14. If the two do not match, the communication control unit 18 is notified of the guidance display program request. Signal output processing and communication control unit 18
When a guidance display program is input from the PC, a process of outputting the guidance display program to the storage unit 14 and executing the guidance display program stored in the storage unit 14 to display a screen on the display unit 13 according to the program. , Input unit 1
And a process of outputting the transaction information specified by 2 to the communication control unit 18.

On the other hand, in the center device 20, the storage unit 2
Reference numeral 4 denotes one or more financial institution codes, a guidance display program corresponding to the financial institution code, version information of each guidance display program, and a communication program in accordance with a communication protocol for the financial institution corresponding to the financial institution code. The storage means is a nonvolatile memory such as a flash memory or a secondary storage device such as a magnetic disk.

The control unit 25 includes a first communication control unit 27
When the financial institution code is input from the storage unit 24, the version information of the guidance display program corresponding to the financial institution code is retrieved from the storage unit 24, and the retrieved version information is output to the communication control unit 1; When a display program request signal is input, a guidance display program corresponding to the financial institution code included in the guidance display program request signal is read from the storage unit 24, and the read guidance display program is output to the first communication control unit 27; A central control unit of the center device 20 that mainly executes a process of mediating a transaction process between the terminal device 10 and the financial institution host device 30 via the first communication control unit 27 and the second communication control unit 28. is there.

Next, the operation of the automatic transaction system according to the second embodiment will be described. FIG. 3 shows the second embodiment.
3 is a flowchart showing the operation of the automatic transaction system according to the first embodiment. First, when a cash card or a credit card is inserted into the card reader 11, the terminal device 10 acquires a financial institution code from the inserted card (step S111), and transmits the acquired financial institution code to the center device 20.
(Step S112).

The center unit 20 stores in the storage unit 24 a correspondence table between the financial institution code of the counterparty financial institution, the guidance display program corresponding to the financial institution code, and the version information of the guidance display program. 10
When the above-mentioned financial institution code is received from the corresponding financial institution code, it is checked whether or not the financial institution code corresponding to the received financial institution code is included in the correspondence table (step S21).
1). If the matching financial institution code is not included in the correspondence table as a result of the check (No at Step S212), a mismatch notification is transmitted to the terminal device 10 (Step S213).

On the other hand, if the financial institution code corresponding to the received financial institution code is included in the above-mentioned correspondence table (Yes at step S212), the version of the guidance display program corresponding to the financial institution code is determined. The information is acquired from the storage unit 24 (step S214), and the acquired version information is transmitted to the terminal device 10 (step S215).

The terminal device 10 is connected to the center device 20.
(Step S)
(113 affirmative), an error message indicating that the transaction is not possible is displayed on the display unit 13. If the version information has been received (No at Step S113), Step S11 is performed.
2. The version information of the guidance display program corresponding to the financial institution code transmitted in Step 2 and stored in the storage unit 14 of the terminal device 10 is compared with the version information received in Step S215 (Step S115). ).

As a result of the collation, if the two version information match (Yes at step S116), the terminal device 10
The guidance information program corresponding to the financial institution code stored in the storage unit 14 is executed (step S11).
7) If the two version information do not match, it is determined that the guidance display program held by the terminal device 10 is not the latest version, and the terminal device 10 sends a guidance information program request signal including the financial institution code. The data is transmitted to the center device 20 (No at Step S116).

When the center device 20 receives the guide display program request signal from the terminal device 10, it obtains the guide display program corresponding to the financial institution code included in the guide display program request signal from the storage unit 24 (step S216). Then, the acquired guidance display program and the version information of the guidance display program are transmitted to the terminal device 10 (step S217).

Upon receiving the guidance display program and its version information in step S217, the terminal device 10 stores the guidance display program and its version information in the storage unit 14 and executes the guidance display program (step S117). . If the total storage capacity of the guide display program exceeds the storage capacity of the storage unit 14 due to the storage of the guide display program, a guide display program which has been stored and used less frequently is selected and deleted. Then, the received guidance display program can be stored.

Thus, the terminal device 10 displays an input screen for inputting a personal identification number, selecting a service such as deposit withdrawal and transfer, and inputting a handling amount on the display unit 13 in accordance with the guidance display program. 12 prompts for transaction information. When the input of the transaction information is completed, the terminal device 10 transmits the transaction information including the financial institution code indicating the counterparty financial institution to the center device 20 (Step S118).

When the center device 20 receives the transaction information from the terminal device 10, it identifies the partner financial institution from the received transaction information, and corresponds to the identified financial institution among the communication protocols stored in the storage unit 24. The transaction information is transmitted to the financial institution host device 30 using the communication protocol for the financial institution host device (step S21).
8).

The financial institution host device 30 is the center device 2
When transaction information is received from 0, transaction processing based on the received transaction information is executed (step S311), and response information such as transaction details and transaction completion notification is transmitted to the center device 20 (step S312). Upon receiving the response information from the financial institution host device 30, the center device 20 transfers the received response information to the terminal device 10, which is the source of the transaction information (step S219).

When the terminal device 10 receives the response information,
The contents of the received response information are displayed, and if necessary, the process returns to the execution of the guide display program, prompting the user to input transaction information again, and executing the steps S118, S218, S3
A series of processing of 11, S312 and S219 is repeated.

When the center device receives the financial institution code from the terminal device 10 and transmits the guidance display program to the terminal device 10, the center device transmits both the guidance display program and the communication protocol corresponding to the financial institution code. You may make it. In this case, since the terminal device 10 can directly transmit and receive transaction information and the like to and from the financial institution host device, the center device needs to convert the protocol between the terminal device 10 and the financial institution host. The load on the center device 20 can be reduced.

The terminal device 10 determines in step S111
In step S112, the version information of the guidance display program corresponding to the financial institution code acquired from the card may be read from the storage unit 14, and the version information of the financial institution code and the guidance display program may be transmitted in step S112.
In this case, the center device 20 collates the version information of the guidance display program corresponding to the financial institution code stored in the storage unit 24 with the version information of the guidance display program received from the terminal device 10 in step S214. As a result, if the two do not match, the process proceeds to step S216, and the guidance display program corresponding to the financial institution code and its version information may be transmitted to the terminal device 10. This eliminates the need to transmit the version information from the center device 20 to the terminal device 10 and the transmission of the guide display program request signal from the terminal device 10 to the center device 20, thereby reducing communication costs.

As described above, according to the automatic transaction system according to the second embodiment, the center device holds the guidance display programs for a plurality of financial institutions and their version information. If the version information of the guidance display program held by the device is different from the version information of the guidance display program held by the center device, the latest guidance display program is acquired from the center device and guidance is displayed. When the transaction processing is performed, the acquisition of the guidance display program from the center device can be minimized, and as a result, the communication cost and the waiting time of the user can be reduced.

Further, even when the provided service is changed, the change can be dealt with only by changing the guidance display program stored in the center device.
Changes and additions to the system can be made very easily. Further, the terminal device does not need to store and hold the guidance display program for every financial institution that can be traded, but only stores and holds the guidance display program of the frequently used financial institution. Different guidance displays can be provided for each institution, and as a result, the memory capacity of the storage unit on the terminal device side can be reduced, and the cost of the device can be reduced.

Also, the center device exchanges transaction information with a financial institution host device as a communication partner by using a corresponding communication program in the same manner as in the first embodiment. Even without storing and holding a communication program for each institution host device, one terminal device can process transactions with many different financial institutions, and as a result, the memory capacity of the storage unit on the terminal device side can be reduced and the Cost can be reduced.

In the first and second embodiments, when the terminal device 10 reads the financial institution code from the card in steps S101 and S111, the terminal unit 10 stores the guidance display program corresponding to the financial institution code in the storage unit 14. It is determined whether or not the information is stored. If the information is not stored, a guidance display program request signal including the financial institution code may be transmitted to the center device 20. In this case, upon receiving the guidance display program request signal from the terminal device 10, the center device 20 transmits the guidance display program corresponding to the financial institution code included in the guidance display program request signal and the version information of the guidance display program to the terminal device. Transmit to the device 10.

[0068]

As described above, according to the first to fourth aspects of the present invention, when the terminal device displays the operation guidance of the financial institution that is the business partner, the guidance display program for performing the operation guidance is provided. Since it is obtained from the center device, there is no need to store and hold a plurality of guidance display programs for each financial institution in the terminal device. Even if the terminal device does not store and hold the guidance display program for each financial institution, one terminal device can be used. Thus, different screens can be displayed for each of a large number of financial institutions, and transaction processing can be performed. As a result, it is possible to reduce the memory capacity of the storage unit on the terminal device side, thereby reducing the device cost.

According to the second aspect of the present invention, when the terminal device displays the operation guide of the financial institution as the business partner,
When the version information of the guidance display program for performing the operation guidance is obtained from the center device, and the version information is different from the version information of the guidance display program held by the own terminal device, the corresponding guidance display is performed from the center device. Since the program is acquired and executed, the acquisition of the guidance display program from the center device can be minimized. As a result, communication costs and user waiting time can be reduced, and the system can be easily changed or added. Is achieved.

According to the third aspect of the present invention, when the terminal device displays the operation guidance of the financial institution as the business partner,
The center device acquires the version information of the guidance display program for performing the operation guidance, and, if the version information is different from the version information of the guidance display program held by the center device, the guidance display program corresponding to the terminal device. And the terminal device receives and executes the latest guidance display program transmitted from the center device, so that acquisition of the guidance display program from the center device can be minimized, and as a result, communication It is possible to reduce the cost and the waiting time of the user and to easily change and add the system.

According to the invention of claim 4, when the terminal device displays the operation guide of the financial institution as the business partner,
When the terminal device does not store the guidance display program for performing the operation guidance, the guidance display program for performing the operation guidance is acquired from the center device. Eliminates the need to store and retain information in terminal devices, and allows a single terminal device to display different screens for many financial institutions and perform transaction processing without having to store and retain guidance display programs for each financial institution As a result, there is an effect that the memory capacity of the storage unit on the terminal device side can be reduced and the device cost can be reduced.

According to the invention of claim 5, in the transaction processing between the terminal device and the financial institution host device, the center device communicates with each host device using a communication protocol unique to the host device, and Mediating between the device and the host device eliminates the need for the terminal device to store and hold a communication program based on a plurality of different communication protocols for each financial institution, and the terminal device stores and holds the communication program for each financial institution host device. Without this, it is possible to process transactions with many different financial institutions with one terminal device, and as a result, it is possible to reduce the memory capacity of the storage unit on the terminal device side and thereby reduce the device cost. To play.

According to the invention of claim 6, when the terminal device performs transaction processing with the host device of the financial institution that is the business partner, the center device transmits the guidance display program to the terminal device. The communication protocol corresponding to the financial institution code of the guidance display program is also transmitted, and the terminal device communicates with each host device using the received communication protocol specific to the host device. The terminal device does not need to memorize and hold the communication protocol with other unnecessary host devices, and one terminal device can perform transaction processing for many different financial institutions. Becomes possible,
As a result, there is an effect that the memory capacity of the storage unit on the terminal device side can be reduced and the device cost can be reduced.

According to the seventh aspect of the present invention, when the terminal device stores the received guidance display program, if the total storage amount of the guidance display program exceeds a predetermined amount, the terminal device has already stored the guidance display program. Since the guide display program of the financial institution that is used less frequently is deleted from the display programs, the minimum guide guide program that is frequently used can be stored and held, and as a result, the memory of the storage unit on the terminal device side can be stored. There is an effect that the apparatus cost can be reduced by minimizing the capacity.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a schematic configuration of an automatic transaction system according to a first embodiment.

FIG. 2 is a flowchart showing an operation of the automatic transaction system according to the first exemplary embodiment.

FIG. 3 is a flowchart showing an operation of the automatic transaction system according to the second exemplary embodiment.

[Explanation of symbols]

 8, 9 communication line 10 terminal device 11 card reader 12 input unit 13 display unit 14, 24 storage unit 15, 25 control unit 18 communication control unit 20 center device 27 first communication control unit 28 second communication control unit 30 financial institution host apparatus

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) G06F 17/60 238 G06F 17/60 250 250 9/06 610Q

Claims (7)

[Claims] 1. An automatic transaction system in which a terminal device, a center device, and a host device of a financial institution are connected by a communication line, and perform a transaction process between the terminal device and the host device. When the financial institution code is read from the card on which the financial institution code for identifying the financial institution is recorded, the financial institution code is transmitted to the center device, and when the guidance display program from the center device is received, the guidance display is performed. The center device stores a program and displays an operation guide for using a service provided by the financial institution in response to the guide display program and an input signal input in response to an operation of an operator.
Alternatively, a guidance display program for each financial institution is stored in correspondence with a plurality of financial institution codes, and when a financial institution code is received from the terminal device, a guidance display program corresponding to the financial institution code is transmitted to the terminal device. An automatic transaction system characterized by the following. 2. An automatic transaction system in which a terminal device, a center device, and a host device of a financial institution are connected by a communication line and perform transaction processing between the terminal device and the host device. Alternatively, a guidance display program for each financial institution and version information of the guidance display program are stored in correspondence with a plurality of financial institution codes, and at least a financial institution code is stored from a card on which a financial institution code for identifying the financial institution is recorded. Is read, the financial institution code is transmitted to the center device, and when version information is received from the center device, the version information is compared with the stored version information of the guidance display program corresponding to the financial institution code. If they do not match, the guidance display program corresponding to the relevant financial institution code When the guide display program and the version information of the guide display program are received from the center device, the guide display program and the version information of the guide display program are stored. In response to the guidance display program and an input signal input in response to the operation of the operator, an operation guide for using the service provided by the financial institution is displayed, and the center device previously supports one or a plurality of financial institution codes. And stores the guidance display program for each financial institution and the version information of the guidance display program, and upon receiving the financial institution code from the terminal device, sends the terminal display device the version information of the guidance display program corresponding to the financial institution code to the terminal device. To send a guidance display program from the terminal device. An automatic transaction system which, upon receiving a ram request signal, transmits a guide display program corresponding to a financial institution code included in the guide display program request signal and version information of the guide display program to the terminal device. 3. An automatic transaction system in which a terminal device, a center device, and a host device of a financial institution are connected by a communication line and perform transaction processing between the terminal device and the host device. Alternatively, a guidance display program for each financial institution and version information of the guidance display program are stored in correspondence with a plurality of financial institution codes, and at least a financial institution code is stored from a card on which a financial institution code for identifying the financial institution is recorded. And transmits the financial institution code and the version information of the guidance display program stored corresponding to the financial institution code to the center device, and displays the guidance display program from the center device and the version information of the guidance display program. Is received, the guidance display program and the guidance display Ram version information, and displays an operation guide for using the service by the financial institution in response to the guide display program and an input signal input in response to an operation of the operator; Alternatively, a guidance display program for each financial institution and version information of the guidance display program are stored in correspondence with a plurality of financial institution codes, and when the version information of the financial institution code and the guidance display program is received from the terminal device, the relevant version is displayed. The information is compared with the stored version information of the guidance display program corresponding to the financial institution code, and if they do not match, the guidance display program corresponding to the financial institution code and the version information of the guidance display program are updated. An automatic transaction system for transmitting to the terminal device . 4. The terminal device, when reading a financial institution code from a card, determines whether or not a guidance display program corresponding to the financial institution code is stored,
If not, the center device transmits a guidance display program request signal requesting a guidance display program corresponding to the financial institution code. When the center device receives the guidance display program request signal from the terminal device, the center device transmits the guidance display program request signal. 3. A guidance display program corresponding to a financial institution code included in a display program request signal and version information of the guidance display program are transmitted to the terminal device.
Or the automatic transaction system according to 3. 5. The terminal device transmits and receives transaction information necessary for the transaction processing to and from the center device in response to an operation of an operator, and the center device transmits and receives the transaction information to and from the terminal device. While performing the transmission and reception of transaction information necessary for transaction processing, storing a communication protocol with the host device for each financial institution corresponding to the financial institution code in advance, when receiving the transaction information from the terminal device, The transaction information is transmitted / received to / from a host device of the financial institution according to the communication protocol corresponding to the financial institution code included in the transaction information. Automatic trading system. 6. The terminal device stores a communication protocol for each financial institution corresponding to one or a plurality of financial institution codes, and upon receiving a communication protocol from the center device,
The communication device stores the communication protocol and transmits and receives transaction information to and from the host device of the financial institution in accordance with the operation protocol of the operator and the communication protocol corresponding to the financial institution code. A communication protocol for each financial institution is stored in correspondence with the financial institution code, and when transmitting the guidance display program, a communication protocol corresponding to the financial institution code of the guidance display program is transmitted to the terminal device. The automatic transaction system according to claim 1. 7. The terminal device according to claim 1, wherein when the total storage amount of the stored guidance display programs exceeds a predetermined amount, the terminal device deletes the guidance display programs of the financial institutions that are used less frequently among the stored guidance display programs. The automatic transaction system according to any one of claims 1 to 6, wherein: