JP2003006707A - Transaction method for consumer transaction facility - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide suitable additional information corresponding to each of users by identifying the user and to guide the user who is interested in the additional information, to a counter. SOLUTION: When a financial transaction is performed on a consumer transaction facility 11, based on information stored on a user information database 22, the existence of new additional information for the user of the consumer transaction facility 11 is displayed on the consumer transaction facility 11.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction method in an automatic transaction device.

[0002]

2. Description of the Related Art Conventionally, when a user of a financial institution such as a bank, post office or credit union conducts financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc., ATM, C installed in the financial institution.
When an automatic transaction device such as D is used, in addition to the information about the financial transaction such as an instruction of the operating method of the automatic transaction device and the transaction amount on the display screen of the automatic transaction device or the transaction statement, the financial institution sends the information to the user. There is provided a method for displaying or printing additional information such as messages, advertisements, and notifications.

For example, when the user operates the automated teller machine to make a balance inquiry and finishes the operation, a message saying "In our bank, a new XX service has been started from XX month. After displaying information such as "Please use.", The screen returns to the initial screen. Further, the information is printed in the margins at the upper end and the lower end of the printed balance inquiry statement.

The system may be changed every day,
Since it can be changed for each branch of a financial institution,
Services provided by financial institutions can be reported to users in a timely manner, and appropriate information suitable for the region can be communicated to users.

Further, when a failure occurs in the automated teller machine, the display screen shows "I cannot handle this.
Please come to the counter during business hours. Information such as "is displayed to guide the user to the window.

As a result, the financial institution can provide the user with additional information such as advertisements about financial products and services and coping methods for troubles. Also,
The user can also obtain additional information about the financial products and services of the financial institution, and can take appropriate action even when a trouble such as a failure of the automatic transaction device occurs.

[0007]

However, in the above-mentioned conventional transaction method in the automatic transaction apparatus, all the users who use the automatic transaction apparatus at the same branch on the same day without identifying the user are the same. It is designed to display additional information about the content. For this reason, additional information that is useful to one user but is noisy to another user may be displayed, or additional information that is new to one user may be duplicated to another user. Information will be displayed.

[0008] Therefore, the financial institution cannot properly convey the additional information such as advertisements about financial products and services to the user. In addition, the user cannot obtain the appropriate additional information, and the additional information that is only noise or the redundant information is transmitted, which is annoying.

Further, in the above-mentioned conventional transaction method in the automatic transaction apparatus, the user is guided to the window when the automatic transaction apparatus fails, but I would like to explain about financial products and services. Do not guide users to the counter.

Therefore, even if the user is interested in the financial product or service displayed on the display screen of the automatic transaction device, he / she does not know how to obtain more detailed information, and thus obtains the information. I can't. In addition, the financial institution misses the opportunity to increase the sales of the financial product or service by directly contacting the user who is interested in the financial product or service at the window.

The present invention can solve the problems of the transaction method in the conventional automatic transaction apparatus, identify the users, and provide appropriate additional information corresponding to each user, It is an object of the present invention to provide a transaction method in an automatic transaction device that can guide a user who is interested in the additional information to a window.

[0012]

Therefore, in the transaction method in the automatic transaction device of the present invention, when a financial transaction is performed in the automatic transaction device, the automatic transaction is performed based on the information stored in the user information database. It is displayed on the automatic transaction device that there is new additional information for the user of the transaction device.

In another transaction method of the automatic transaction device of the present invention, a plurality of titles of the additional information addressed to the user are further displayed, and the selected additional information is displayed in a viewable manner.

In the transaction method of still another automatic transaction apparatus of the present invention, the selected additional information is further registered in the user information database.

In the transaction method of still another automatic transaction apparatus of the present invention, when it is further selected to receive the explanation about the details of the additional information at the counter, the accepted reception number is displayed, and Guide the user to the counter.

[0016] In the transaction method in another automatic transaction device of the present invention, further, when the financial transaction is performed during the business hours of the window, the user is guided to the window.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a diagram showing a system configuration of an automatic transaction device according to a first embodiment of the present invention.

In the figure, reference numeral 11 designates a CD (automatic cash dispenser) and an ATM (cash automatic teller machine) installed at branches of financial institutions such as banks, credit unions, post offices, and consumer financial companies.
It is an automatic transaction device such as a user who operates the financial institution by himself to use financial services such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. It is a device. Further, the automatic transaction device 11 may be a multi-functional terminal such as a kiosk terminal having other functions, for example, a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. Good.

The user is a person who opens his own account in a financial institution and uses the financial service, and is generally an individual, but may be a company, an organization or the like.

The automatic transaction apparatus 11 has a user operation section 12 including input means such as a keyboard, a touch panel and a mouse, display means such as a CRT, a liquid crystal display and an LED display. The user operation unit 12 is preferably a touch panel having the functions of an input unit and a display unit.

The automatic transaction device 11 also has a card handling section 13 for handling cards such as cash cards. Here, the card is a card issued by a financial institution to a user for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc., and the user's name, account number, personal identification number, etc. It has a magnetic stripe that stores information. The member for storing the information may be an IC embedded in a card instead of the magnetic stripe.

The card handling unit 13 is provided with a card slot into which a card is inserted, and in the card slot, a carrier for carrying the card, a magnetic stripe of the card, and information stored in an IC. A recording head such as a magnetic head for reading, overwriting, erasing, etc. is provided. It is desirable that the card handling unit 13 can handle other types of cards such as cash cards, credit cards, debit cards issued by other financial institutions.

Further, the card handling section 13 has a function of issuing a transaction statement. The transaction statement sheet is a piece of paper on which information about financial transactions made by the user such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and fixed deposit setting is printed. The type of transaction, transaction amount, etc. are printed. The transaction statement may be issued only when the user desires.

The automatic transaction apparatus 11 has a passbook entry section 14 for entry in a passbook such as a deposit passbook. Here, the passbook is a booklet-like passbook such as a deposit passbook issued by a financial institution to a user, and records financial transactions such as deposit, withdrawal, transfer, transfer, remittance, and time deposit setting. It is what is printed. The front or back cover of the passbook is provided with a magnetic stripe that stores information such as the user's name, account number, and personal identification number.

The passbook entry section 14 has a passbook slot into which a passbook is inserted, and in the passbook slot, a delivery device for delivering the passbook, a print head for printing the record of the financial transaction on the passbook, and A recording head such as a magnetic head for reading, overwriting, and erasing information stored in the magnetic stripe of the passbook is provided.

The automatic transaction device 11 has a bill deposit / withdrawal unit 15 for handling bills and a coin deposit / withdrawal unit 16 for handling coins. The banknote deposit / withdrawal unit 15 and the coin deposit / withdrawal unit 16 receive and count the cash deposited by the user in a financial transaction such as deposit, and pay out a predetermined amount of banknotes or coins in the financial transaction such as dispense.

Further, the automatic transaction device 11 has a receipt journal printer 17 and a control unit 18. The receipt journal printer 17 is for receiving receipt paper,
A printer having a function of printing on a plurality of types of paper such as journal (sorting book) paper. In addition, the control unit 18
Is provided with a computing means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means and the like, and integrally controls the operation of the automatic transaction device 11.

Further, reference numeral 21 is an accounting upper-level apparatus as a computer provided with a computing means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, an input means, a communication means, etc., and a host computer of the financial institution. Function as. The accounting system upper-level device 21 is arranged in the headquarters of a financial institution, and is provided with a wired or wireless dedicated communication line, a public communication line, or a LAN (Local Area Network).
k), WAN (Wide Area Network)
k), via a network such as the Internet, is communicably connected to the automatic transaction device 11 disposed in each branch, and the user performs the account transaction communication with the automatic transaction device 11 to allow the user to perform the automatic transaction device. The financial transaction made by operating 11 is processed.

Reference numeral 22 is a user information database built in a computer provided with a computing means such as a CPU and MPU, a semiconductor memory, a storage means such as a magnetic disk, an input means, a communication means and the like. The user information database 22 is provided in the headquarters of a financial institution, etc., and is automatically provided in each branch office through a wired or wireless dedicated communication line, public communication line, LAN, WAN, the network such as the Internet. It is communicably connected to the transaction device 11 and performs registration / inquiry communication of user information with the automatic transaction device 11.

Incidentally, the user information database 22
May be built in the accounting system upper apparatus 21. The user information database 22 stores user attribute information for each user, for example, date of birth, spouse presence / absence, occupation, residence attribute, etc., and account holding status. Information about financial products and services addressed to the user, individual messages from a person in charge of the financial institution, and the like are stored.

Next, the operation of the system of the automatic transaction device having the above configuration will be described.

FIG. 2 is a diagram showing an example of a transaction selection screen of the user operation unit according to the first embodiment of the present invention, and FIG. 3 is a card insertion of the user operation unit according to the first embodiment of the present invention. FIG. 4 is a diagram showing an example of a screen, FIG. 4 is a diagram showing an example of a personal identification number input screen of the user operation unit according to the first embodiment of the present invention, and FIG. 5 is a user according to the first embodiment of the present invention. FIG. 6 is a diagram showing an example of a screen during communication of the operation unit, FIG. 6 is a diagram showing an example of a balance inquiry and additional information browsing selection screen of the user operation unit according to the first embodiment of the present invention, and FIG. The figure which shows the other example of the screen during communication of the user operation part in 1st Embodiment, FIG. 8 is the figure which shows the example of the additional information selection screen of the user operation part in the 1st Embodiment of this invention. 9 shows an example of an additional information display screen of the user operation unit according to the first embodiment of the present invention. It is.

First, when a user operates the automatic transaction device 11 arranged in a financial institution to make a financial transaction, the transaction selection screen as shown in FIG. 2 is displayed on the display means of the user operation unit 12. Is displayed. Here, the user operation unit 12
A case will be described where is a touch panel having the functions of both input means and display means.

Then, in the user operation unit 12,
The user selects a desired transaction from the displayed transactions. In the present embodiment, a case where a balance inquiry transaction is performed will be described. Therefore, the user touches the balance inquiry key displayed on the user operation unit 12,
That is, touch.

Subsequently, a screen for instructing the insertion of a card as shown in FIG. 3 is displayed on the user operation unit 12, so that the user can insert the cash card into the card handling unit 13
Insert it into the card slot.

Subsequently, since a ten-key is displayed on the user operation unit 12 together with an instruction to input the personal identification number as shown in FIG. 4, the user touches the ten-key and inputs the personal identification number. Then, the card handling unit 13
The recording head reads the account number, which is information stored in the magnetic stripe of the cash card or the IC. Then, the account number is transmitted from the control unit 18 to the user information database 22.

Then, the user information database 22
Searches the additional information stored together with the user attribute information for each user, and adds information about services and products addressed to the user corresponding to the received account number, individual message from the person in charge of the financial institution, etc. Investigate whether or not there is new additional information in the information. Then, if there is new additional information, the fact is returned to the control unit 18 of the automatic transaction device 11. In the present embodiment, the case where there is new additional information will be described.

Next, when the fact that there is new additional information is returned to the control unit 18, the user operation unit 12 displays that there is new additional information, as shown in FIG.
The account information including the personal identification number input by the user is transmitted from the control unit 18 to the accounting system upper apparatus 21. Here, the account information is information such as a branch number, an account number and a personal identification number. Then, the accounting system upper device 21
Acquires the balance of the user's account corresponding to the account information and returns it to the control unit 18 of the automatic transaction device 11.

Then, a balance confirmation screen as shown in FIG. 6 is displayed on the user operation unit 12. The user operation unit 12 displays a comment that there is new additional information, and an instruction that the guide key is touched when browsing the new additional information. Further, when the new additional information is not browsed, the end key is pressed. In the present embodiment, a case where the user touches the guide key will be described.

The account number is used as the automatic transaction device 1.
It is again transmitted from the control unit 18 of No. 1 to the user information database 22. Then, the user information database 22
Acquires the title of the additional information addressed to the user corresponding to the received account number, and controls the control unit 18 of the automatic transaction device 11.
Reply to. At this time, the in-communication screen as shown in FIG. 7 is displayed on the user operation unit 12.

Subsequently, when the title is returned, the additional information selection screen as shown in FIG. 8 is displayed on the user operation unit 12. Further, when it is desired to browse, an instruction to touch the display key corresponding to the title of the additional information is displayed. Further, when the additional information is not browsed, the end key is pressed. In the present embodiment, the case where the user touches the display key corresponding to the additional information regarding the foreign currency deposit will be described.

Next, the fact that the user has selected the additional information relating to the foreign currency deposit is transmitted from the control unit 18 of the automatic transaction device 11 to the user information database 22. Then, the user information database 22 acquires the additional information regarding the foreign currency deposit and sends it back to the control unit 18 of the automatic transaction device 11.

Subsequently, when the additional information is returned, the user operation unit 12 displays the additional information on the foreign currency deposit on the display screen as shown in FIG.

As a result, the user can browse information on foreign currency deposits, which is a financial product provided by a financial institution. At this time, the control unit 1 of the automatic transaction device 11
8 transmits to the user information database 22 record data indicating which additional information the user has browsed. Then, the performance data is registered in the user information database 22. It should be noted that the user information database 22 replies to the control unit 18 that the result data has been received as a notification result.

As described above, in the present embodiment, by using the user information database 22, it is possible to finely provide appropriate additional information corresponding to each user.

Since a plurality of additional information can be selected, the user can browse unnecessary information without
Since you can select and browse only the additional information of your interest, you will not feel bothered.

On the other hand, the financial institution can collect information on the fields of interest, preferences, etc. of the user based on the selection of the user.

Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by giving the same code | symbol.

FIG. 10 is a diagram showing a system configuration of an automatic transaction device according to the second embodiment of the present invention.

In this case, reference numeral 31 is a reception number management device which is a computer provided with a computing means such as a CPU and MPU, a semiconductor memory, a storage means such as a magnetic disk, an input means, a communication means and the like. The reception number management device 31
It may be an independent single device, or may be integrally formed with another device such as the accounting upper-level device 21, and is one of the systems constructed in a large computer. May be The reception number management device 31 is arranged at the head office of a financial institution, etc., and is arranged at each branch office via a wired or wireless dedicated communication line, public communication line, LAN, WAN, Internet or other network. The automatic transaction device 11 is communicably connected to the automatic transaction device 11 to inquire about the receipt number. Further, the reception number management device 31 is communicably connected to a terminal for a counter (not shown) arranged at a counter of the branch or the like so that the contents such as a guidance for a user to be described later can be displayed on the terminal for the counter. May also be sent.

Next, the operation of the system of the automatic transaction apparatus having the above-mentioned structure will be described.

FIG. 11 is a view showing an example of the balance inquiry and new information guide additional information selection screen of the user operation unit according to the second embodiment of the present invention, and FIG. 12 is the second embodiment of the present invention. FIG. 13 is a diagram showing an example of an additional information display screen of the new product guide of the user operation unit in the business hours in FIG. 13, and FIG. 13 is a new product guide of the user operation unit in the business hours other than the business hours FIG. 14 is a diagram showing an example of the additional information display screen of FIG. 14, FIG. 14 is a diagram showing an example of the card and transaction statement receipt and window reception number display screen of the user operation unit according to the second embodiment of the present invention, and FIG. The figure which shows the example of the card and transaction statement receipt screen of the user operation part in the 2nd Embodiment of this invention, and FIG. 16 is the figure which shows the example of the transaction statement in the 2nd embodiment of this invention. is there.

In the present embodiment, as in the first embodiment, the user operation unit 12 is a touch panel having the functions of an input means and a display means, and the user makes a balance inquiry transaction. The case will be described.

Regarding the operation until the user selects the balance inquiry transaction and inputs the personal identification number on the transaction selection screen displayed on the user operation unit 12 of the automatic transaction device 11, the first operation is described above. Since it is the same as the embodiment described above, the description thereof will be omitted.

Here, the higher-ranking account system device 21 acquires the balance of the user's account corresponding to the account information and sends it back to the control unit 18 of the automatic transaction device 11.

Then, the user operation unit 12 is displayed as shown in FIG.
The balance confirmation screen as shown in is displayed. The user operation unit 12 displays a comment that there is new additional information, and an instruction that the guide key is touched when browsing the new additional information. Further, when the new additional information is not browsed, the end key is pressed. In the present embodiment, a case where the user touches the guide key will be described.

Then, the account number of the user is transmitted from the control unit 18 of the automatic transaction device 11 to the user information database 22. Then, the user information database 22
Acquires additional information addressed to the user corresponding to the received account number and returns it to the control unit 18 of the automated teller machine 11. Then, the additional information is displayed on the user operation unit 12. In this case, the additional information is information on a new foreign currency deposit, which is a financial product.

If the time at which the user has performed the balance inquiry transaction is the time period when the window of the branch is open, that is, the window business hours, the user operation unit 12 is set as shown in FIG.
The additional information as shown in 2 is displayed. Here, the user operation unit 12 displays an outline of a new foreign currency deposit and an instruction to select one of the keys of "window guidance", "telephone contact required" or "telephone contact not required". It

On the other hand, when the time at which the user has performed the balance inquiry transaction is in the time zone when the window of the branch is closed, that is, other than the window business hours, the user operation unit 12 is shown in FIG. Additional information is displayed. here,
The user operation unit 12 displays an outline of a new foreign currency deposit and an instruction to select a key of "phone contact required" or "phone contact unnecessary".

Then, on the display screen as shown in FIG. 12, when the user touches the "window guidance" key and selects the window guidance, the control unit 18 of the automatic transaction device 11 accesses the receipt number management device 31. And inquire the reception number. Then, the reception number management device 31 assigns a reception number and sends it back to the control unit 18.

Then, the user operation unit 12 is displayed as shown in FIG.
As shown in, the instruction to receive the card and the transaction statement is displayed, and the reception number of the user and the instruction to wait in the lobby until being guided.
Then, the card handling unit 13 ejects the user's cash card and issues a transaction statement. Here, as shown in FIG. 16, information on financial transactions such as a balance is printed on the transaction statement, and the receipt number and an instruction to wait in the lobby until the guidance is printed.

When the user touches the "phone contact required" key or the "phone contact unnecessary" key on the display screen as shown in FIG. 12 or 13, the user operation unit 1
As shown in FIG. 15, an instruction to receive the card and transaction statement is displayed in 2. At this time, the control unit 18 of the automatic transaction device 11 transmits to the user information database 22 the actual result data indicating that the user has selected the "telephone contact required" key or the "telephone contact unnecessary" key. It should be noted that the user information database 22 replies to the control unit 18 that the result data has been received as a notification result.

Here, if the user touches the "telephone contact required" key, the person in charge of the branch will contact the user by telephone at a later date.

As described above, in the present embodiment, by using the user information database 22 and the receipt number management device 31, appropriate additional information is provided corresponding to the user who uses the automatic transaction device 11. However, a user who is interested in the additional information can be guided to the window. Therefore, even if the user is interested in the additional information displayed on the display screen of the automatic transaction device, the user can easily obtain more detailed information.

Further, since the financial institution can directly contact the user who is interested in the additional information at the counter, there are many opportunities to increase the sales of financial products and services related to the additional information.

The present invention is not limited to the above-mentioned embodiments, but can be variously modified within the scope of the present invention, and they are not excluded from the scope of the present invention.

[0068]

As described in detail above, according to the present invention, in the transaction method in the automatic transaction device, when the financial transaction is carried out in the automatic transaction device, it is based on the information stored in the user information database. Then, it is displayed on the automatic transaction device that new additional information exists for the user of the automatic transaction device.

In this case, it is possible to provide appropriate additional information corresponding to each user.

[Brief description of drawings]

FIG. 1 is a diagram showing a system configuration of an automatic transaction device according to a first embodiment of the present invention.

FIG. 2 is a diagram showing an example of a transaction selection screen of a user operation unit according to the first embodiment of the present invention.

FIG. 3 is a diagram showing an example of a card insertion screen of a user operation unit according to the first embodiment of the present invention.

FIG. 4 is a diagram showing an example of a personal identification number input screen of the user operation unit according to the first embodiment of the present invention.

FIG. 5 is a diagram showing an example of a communicating screen of a user operation unit according to the first embodiment of the present invention.

FIG. 6 is a diagram showing an example of a balance inquiry and additional information browsing selection screen of the user operation unit according to the first embodiment of the present invention.

FIG. 7 is a diagram showing another example of a communicating screen of the user operation unit according to the first embodiment of the present invention.

FIG. 8 is a diagram showing an example of an additional information selection screen of the user operation unit according to the first embodiment of the present invention.

FIG. 9 is a diagram showing an example of an additional information display screen of a user operation unit according to the first embodiment of the present invention.

FIG. 10 is a diagram showing a system configuration of an automatic transaction device according to a second embodiment of the present invention.

FIG. 11 is a diagram showing an example of a balance inquiry and new product guide additional information selection screen of the user operation unit according to the second embodiment of the present invention.

FIG. 12 is a diagram showing an example of an additional information display screen of a new product guide of a user operation unit during business hours in the second embodiment of the present invention.

FIG. 13 is a diagram showing an example of an additional information display screen of new product guidance of a user operation unit other than the business hours in the second embodiment of the present invention.

FIG. 14 is a diagram showing an example of a card and transaction statement receipt and window reception number display screen of the user operation unit according to the second embodiment of the present invention.

FIG. 15 is a diagram showing an example of a card and transaction statement receipt screen of the user operation unit according to the second embodiment of the present invention.

FIG. 16 is a diagram showing an example of a transaction statement in the second embodiment of the present invention.

[Explanation of symbols]

11 Automatic transaction equipment 22 User Information Database

Claims (5)

[Claims] 1. When a financial transaction is conducted in the automatic transaction device, it is found that new additional information exists for the user of the automatic transaction device based on the information stored in the user information database. A transaction method in an automatic transaction device, characterized by being displayed in. 2. The transaction method in an automatic transaction device according to claim 1, wherein a plurality of titles of the additional information addressed to the user are displayed, and the selected additional information is displayed in a viewable manner. 3. The transaction method in an automatic transaction device according to claim 1, wherein the selected additional information is registered in the user information database. 4. When the reception of the explanation of the details of the additional information at the window is selected, the numbered reception number is displayed to guide the user to the window.
The transaction method in the automatic transaction device according to any one of 3 above. 5. The transaction method in an automatic transaction device according to claim 4, wherein when the financial transaction is conducted during the business hours of the counter, the user is guided to the counter.