JP2002230629A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To simplify the office counter work at a financial institution and provide a paperless operation. SOLUTION: A customer attribute server 23 retaining operation information such as the number of transactions previously made by a customer and errors in input items for the transactions and operating errors, a business entry process server 22 for temporarily retaining the transaction information and prints of seal inputted to the automatic transaction device and needed for transactions, and a person image management server 21 for retaining images of the customer who made the transactions are connected to both a center system 24 which executes transactions and the automatic transaction device having transaction screens for a plurality of levels. When a customer selects transactions, the transaction screen matching the level of the customer's operating skill determined according to the operation information is provided; when the customer inputs transaction information, the face of the customer making the transactions is photographed at the same time that the transactions are executed. Further, information about the operations associated, with the transactions is obtained. The image of the customer's face and the operation information are stored respectively into the person image management server 21 and the customer attribute server 23 in such a way that they match the contents of the transactions.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus (hereinafter referred to as "ATM") installed in a financial institution or the like and an automatic transaction system.

[0002]

2. Description of the Related Art Conventionally, A such as opening a new account or canceling an account, etc.
When conducting a transaction that is not handled by TM or conducting a large transaction at a counter, select a voucher according to the transaction content, fill in the necessary items, seal it, and contact the staff of the financial institution. Had been submitted. Then, a clerk of the financial institution receiving the slip from the customer inputs information necessary for the transaction (hereinafter referred to as transaction information) to the counter terminal device installed at the counter based on the contents written on the slip. , Had been trading.

[0003]

However, in the above-described method, a staff member of a financial institution inputs transaction information to a counter terminal device using a slip filled in by a customer, and conducts a transaction.
The procedure is complicated. Further, since processing is performed using a slip, there is a problem that a large amount of paper is required and management of the slip is troublesome.

[0004] Accordingly, an object of the present invention is to simplify the work and achieve paperless operation.

[0005]

According to the present invention, there is provided a customer attribute server which stores the number of executions of each transaction performed by a customer in the past and operation information such as erroneous input items and erroneous operations in the transaction, and a transaction input to an automatic transaction apparatus. A business entry processing server that temporarily stores necessary transaction information and imprints, and a person image management server that stores images of customers who made transactions, a center system that executes transactions, and a multi-level transaction screen When the customer selects a transaction, a transaction screen corresponding to the customer's operation skill determined based on the operation information is provided, and the customer inputs the transaction information and the seal imprint. Then, the photographing of the face of the customer making the transaction and the execution of the transaction are performed at the same time, the operation information in the transaction is obtained, and the face image of the customer is sent to the person image management server. Operation information to the customer attribute server,
Each is stored in association with the transaction contents.

[0006]

Embodiments of the present invention will be described below with reference to the drawings. First, the configuration of the present embodiment will be described with reference to FIG. 1, FIG. 2, and FIG. FIG. 2 is an external perspective view of an automatic transaction apparatus that allows a customer to input necessary information for a transaction by himself and execute the transaction.

Reference numeral 1 denotes an apparatus housing. Reference numeral 2 denotes input display means, which comprises a CRT display or LCD display and an input device. Reference numeral 3 denotes a camera for photographing a customer who makes a transaction. Reference numeral 4 denotes a passbook insertion / discharge port. The customer accepts the passbook at the start of the transaction, and discharges the passbook after the transaction is completed.

Reference numeral 5 denotes a card insertion / ejection port, which accepts a card at the start of a transaction, and ejects a card or a form on which the transaction is described after the transaction is completed. Reference numeral 6 denotes a cash input / output port. Reference numeral 7 denotes an imprint pad, which is used by a customer to imprint a seal on the imprint pad 7.

FIG. 1 is a block diagram showing the configuration of the automatic transaction apparatus. Reference numeral 12 denotes an input display unit, which is a touch panel type or handwritten input type input device for a customer to input information necessary for a transaction, and a display unit for displaying information input by the customer, information for guiding an operation, and the like. Consists of Reference numeral 13 denotes a camera unit for photographing a customer who makes a transaction.

Reference numeral 14 denotes a card data reading section for reading information such as a magnetic tape attached to a medium such as a passbook or a card. Reference numeral 15 denotes an imprint acquisition unit connected to the imprint pad 7, which recognizes an imprint directly from a three-dimensional stamped portion by a pressure sensor (not shown) and cuts out the imprint. A control unit 16 controls the operation of each of the above-mentioned components.

FIG. 3 is an explanatory diagram showing an automatic transaction system. The automatic transaction apparatus is connected to a person image management server 21, a business entry processing server 22, a customer attribute management server 23, and a center system 24 via a network. The person image management server 21 holds the customer image data obtained by the camera unit 13, and the business entry processing server 22 stores the transaction information and the imprint acquired by the input display unit 2 and the imprint acquisition unit 15. Is temporarily stored and transmitted to the center system 24.

The customer attribute management server 23 stores information such as the speed of input operations in a transaction made by a customer in the past, input items having erroneous inputs, and erroneous operations (hereinafter referred to as operability tendency information). It stores information such as the number of executions of a transaction (hereinafter referred to as transaction history information). ATM
Then, the personal image management server 21, the business entry processing server 22, and the customer attribute management server 23 are connected to each other. When the customer inputs necessary information, the customer communicates with each of the aforementioned servers as necessary, The transaction is performed by communicating with the center system 24 in which customer information such as a number, a customer's name, and an address is held.

Using the configuration described above, the operation of the present embodiment will be described below with reference to FIGS. FIG. 4 is a flowchart illustrating the present embodiment. First, the customer selects a desired transaction from the transaction items displayed on the input display unit 12 of the automatic transaction device (S40).
1).

When the transaction is selected, a question as to whether or not the financial institution has an account is displayed on the input display unit 12 (S402). When the customer inputs that he has an account at the financial institution, a message prompting insertion of a medium such as a card or a passbook is displayed on the input display unit 12. When the customer inserts the medium (S403), the card data reading unit 14 reads information such as a magnetic tape attached to the medium in accordance with a command from the control unit 16, and a message prompting the input of a personal identification number is displayed on the input display unit 12. Is displayed (S
404).

When the customer inputs the password, the control unit 16
The communication with the center system 24 is performed in accordance with the command (2) to collate the password (S405). If the passwords do not match, the transaction ends. If the personal identification numbers match, the operability tendency information and the transaction history information are read from the customer attribute management server 23 using the customer information obtained from the center system 24 as key information (S406), and the customer's The operation skill level for the automatic transaction apparatus is determined.

A description will be given, with reference to FIG. 5, of the determination of the operation proficiency level of the automatic transaction apparatus described above. FIG. 5 is a flow chart for judging the operation proficiency level of the automatic transaction apparatus. First, transaction history information is acquired from the customer attribute management server 23 (S501), and it is determined whether or not the customer has experience with the transaction to be performed this time (S502).

[0017] If the customer has no experience with this transaction,
A beginner's transaction screen is displayed, in which the screen switching speed is slow and the operation guide wording is enriched (S503). If the customer has experience with the transaction to be performed this time, it is determined whether or not the number of executions of the transaction performed by the customer is larger than a preset number (S504). In the present embodiment, the set transaction execution count is set to n.

If the number of executions of the transaction performed by the customer this time is more than n, the operation guidance word is simplified, and a simplified display screen is displayed on which the customer can execute the transaction in a short time (S50).
5). If the number of transactions executed by the customer this time is n or less, the simplified display screen or the beginner's transaction screen is selected and displayed based on the operability tendency information acquired from the customer attribute management server 23 (S506).

According to the above-described method, the customer's operation proficiency level with respect to the automatic transaction apparatus is acquired, and a customer-specific transaction screen for providing an operation guidance word and a screen switching speed suitable for the customer is displayed (S407). In addition, the customer-specific transaction screen has multiple levels of help functions that display words and illustrations that assist the customer when the operation method becomes unknown. The level of this help function is It is determined based on sexual tendency information and transaction history information.

On the customer-dedicated screen, the customer information already stored in the center system 24 among the input items is displayed on the input display unit 12 in advance, and the customer checks only the displayed information. Of the input items displayed on the input display unit 12, items that must be newly input by the customer according to the transaction content are highlighted one by one and the operation guidance text is displayed.

The customer inputs transaction information according to the operation guidance wording (S408). Note that, in (S402), if the customer answers that he does not have an account, he or she first inputs customer information and registers a seal to open a new account, and then inputs transaction information. When the input of the transaction information is completed, if the transaction requires an imprint (S409), a message prompting to seal the imprint pad is displayed on the input display unit 12.

When the customer stamps the imprint pad 7 (S41)
0), a seal is displayed on the input display unit 12 and it is determined whether the seal can be cut out. If it is determined that the seal cannot be cut out, the customer is again stamped on the seal pad 7. Is displayed. If it is determined that the imprint can be cut out, the imprint is cut out, and the cut out imprint is compared with the imprint registered in the center system 24 (S411).

If the imprints do not match, the transaction is terminated. When the seals match, the seal and the transaction information are transmitted to the business entry processing server 22, and the transaction execution confirmation key is displayed on the input display unit 12. In the case of a transaction that does not require a seal, a transaction execution confirmation key is displayed on the input display unit 12 after the transaction information has been input.

When the customer presses this transaction confirmation key (S
412), information necessary for the transaction input by the customer is transmitted from the business entry processing server 22 to the center system 24, and the transaction is executed. At the same time, the person who pressed the transaction execution key is photographed by the camera unit 13 (S413). ), The acquired person image data is stored in the person image management server 21 in association with the transaction contents (S414).

When the transaction is completed, operability tendency information and transaction history information in the current transaction are obtained (S415),
The operability tendency information and the transaction history information stored in the customer attribute management server 23 are updated (S416). Then, the customer inserts the passbook or card into the passbook insertion / ejection port 4 respectively.
Alternatively, when returning the cash from the card insertion / return port 5 and returning the cash, the customer takes out the banknote returned from the cash input / return port 6 and ends the transaction.

As described above, according to the present embodiment, since the customer can input necessary information for the transaction and execute the transaction, paperless operation can be realized and the business can be simplified. Further, by obtaining a person image of a person making a transaction, security can be enhanced.

[0027]

As described above, the present invention provides easy-to-understand operation guidance according to the operation level of a customer even in a complicated transaction such as relatively inputting which has not been handled by the conventional ATM. Thus, the customer can easily input the information necessary for the transaction and execute the transaction by himself, so that the paperless operation can be realized and the business can be simplified.

Further, by obtaining the image of a person making a transaction, there is an effect that security can be enhanced.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an automatic transaction device.

FIG. 2 is an external perspective view of the automatic transaction apparatus.

FIG. 3 is an explanatory diagram showing an automatic transaction system.

FIG. 4 is a flowchart illustrating the present embodiment.

FIG. 5 is a flowchart for judging operation proficiency in an automatic transaction apparatus.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Device housing 3 Camera 4 Passbook insertion / ejection slot 5 Card insertion / ejection slot 6 Cash insertion / ejection slot 7 Imprint pad 12 Input display section 13 Camera section 14 Card data reading section 15 Imprint acquisition section 16 Control section 21 Person image management Server 22 Business entry processing server 23 Customer attribute management server 24 Center system

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07D 9/00 461

Claims (5)

[Claims] 1. An automatic transaction apparatus for executing a transaction based on information input by a customer, comprising: a camera for photographing the customer who has performed the transaction; An automatic transaction apparatus characterized in that the obtained image is stored in association with the transaction contents. 2. An automatic transaction apparatus for executing a transaction based on information input by a customer, wherein an imprint pad for imprinting a seal and a seal imprint connected to the imprint pad and imprinted on the imprint pad are recognized. And a seal imprint acquiring means for cutting out the seal imprint recognized by the pressure sensor. When a seal is required for the transaction, the customer is urged to seal the seal pad, and the seal imprinted by the customer is performed. Automatic recognition is performed by recognizing and judging whether or not it is possible to cut out, and when judging that the imprint can be cut out, cutting out the imprint and performing collation with a pre-registered imprint. Trading equipment. 3. An operation proficiency determining means for determining the number of executions of each transaction performed by the customer in the past, operation information such as erroneous input items and erroneous operations in the transaction, and operation proficiency determining means for determining the proficiency of the customer's operation on the automatic transaction apparatus A plurality of levels of transaction screens according to the operation proficiency level. When the customer selects a transaction, the operation proficiency level determination means determines the operation proficiency level of the customer based on the operation information. An automatic transaction apparatus wherein a suitable transaction screen is provided. 4. The method according to claim 3, wherein when the customer becomes unclear about an operation method of the automatic transaction apparatus,
An automatic transaction apparatus comprising a plurality of levels of a help function for displaying words and illustrations for guiding a customer's operation, and providing the help function at a level suitable for the customer according to the level of operation proficiency. 5. A customer attribute server that holds the number of executions of each transaction performed by the customer in the past and operation information such as erroneous input items and erroneous operations in the transaction, and transaction information necessary for the transaction input to the automatic transaction device. A business entry processing server that temporarily stores the stamps and imprints, and a person image management server that stores the image of the customer who made the transaction, has a center system for executing the transaction and an automatic transaction having a multi-level transaction screen. When the customer selects a transaction, a transaction screen corresponding to the operation skill determined based on the operation information is provided, and when the customer inputs the transaction information, the face of the customer who conducts the transaction is provided. Shooting and
The execution of the transaction is performed at the same time, the operation information in the transaction is further acquired, and the face image of the customer is stored in the person image management server, and the operation information is stored in the customer attribute server in association with the transaction contents. Automatic trading system characterized by the following.