JP2003030447A - System for distributing e-mail in automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make distributable material with detailed information on interesting additional information described therein to the e-mail address of a user by e-mail by allowing the user operating an automatic transaction machine to select the interesting additional information. SOLUTION: A system has an automatic transaction machine 11 which a user 12 operates to perform financial transactions and on which the additional information provided by a financial institution 15 is displayed and a user information management server 14 for storing the additional information, the detailed information of the additional information and the e-mail address of the user 12, communicating with the automatic transaction machine 11 and distributing e-mail to the e-mail address. The user information management server 14 distributes the detailed information of additional information selected in such a manner that the user 12 operates the automatic transaction machine 11 to the e-mail address by e-mail.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to an electronic mail delivery system 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 automatic transaction device to make a balance inquiry, when the balance inquiry operation is completed,
On the display screen, "We have started a new XX service on XX month. Please use it."
After such information is displayed, the initial screen is returned to. 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,
Financial products and 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.

When the user is interested in the financial product or service, the user operates the automatic transaction device to register the postal code, address, etc. of a mail delivery address such as home or work, and It is possible to apply to send a document containing detailed information of additional information. In this case, the material is sent by mail to the mail destination.

As a result, the user can easily obtain the materials that describe in detail the financial products and services provided by the financial institution.

Further, since the financial institution can provide detailed information about the financial product or service to users who are interested in the financial product or service, the sales of the financial product or service can be increased. You can increase the chances to let them do it.

[0008]

However, in the above-mentioned conventional material providing system for the automatic transaction device, it takes a long time to send the mail, and the user has detailed information of the additional information. It will take a long time after the application for sending the document is sent to the mail destination by mail.

Therefore, the user loses interest in financial products and services by the time the material is obtained. In addition, the financial institution provides the user with
It is not possible to provide detailed information about the latest financial products and services in real time, and miss the opportunity to increase the sales of the financial products and services.

Further, since the postal matter is sent to a pre-registered postal address such as a home or office, the user cannot receive it at any place. Therefore, in the case of travel or business trip, the user cannot obtain the material for a long time.

Further, when the postal code, address, etc. of the mail delivery destination is changed due to moving or moving, the mail matter is not sent to the user but returned to the financial institution.

In order to solve the problem of providing information from a financial institution to a user who operates the automatic transaction device by mail, the information is distributed to the user by electronic mail. System is provided (see Japanese Patent Laid-Open No. 11-339106).

However, the system distributes the financial transaction history of the user by electronic mail instead of issuing it in the form of a transaction statement, and the financial product of interest to the user. It does not send materials about the service or service. Therefore, the user cannot select the content of the information to be sent.

The present invention solves the problems of the above-mentioned conventional material providing system in the automatic transaction apparatus, so that the user operating the automatic transaction apparatus selects the additional information which he / she is interested in and selects the additional information. It is an object of the present invention to provide an electronic mail delivery system in an automatic transaction device, in which a material describing detailed information of (1) is delivered to an electronic mail address of the user by electronic mail.

[0015]

Therefore, in the electronic mail delivery system of the automatic transaction apparatus of the present invention, an automatic transaction in which the user operates the financial transaction and the additional information provided by the financial institution is displayed. A device and a user information management server that stores the additional information, detailed information of the additional information, and the electronic mail address of the user, communicates with the automatic transaction device, and delivers an electronic mail to the electronic mail address. Detailed information of the additional information which the user has selected by operating the automatic transaction device is delivered to the electronic mail address by the user information management server as an electronic mail.

In the electronic mail delivery system in another automatic transaction device of the present invention, the additional information is a financial product, service or individual message provided by the financial institution.

In the electronic mail delivery system for another automatic transaction apparatus of the present invention, the electronic mail address is transmitted from the user information management server to the automatic transaction apparatus and displayed in a selectable manner.

In the electronic mail delivery system of still another automatic transaction apparatus of the present invention, the electronic mail address can be corrected, added, or deleted by operating the automatic transaction apparatus.

In the electronic mail delivery system of still another automatic transaction apparatus of the present invention, the electronic mail is stored in the user information management server when the electronic mail cannot be delivered, and the automatic transaction apparatus, When the user operates, it is displayed that the electronic mail cannot be delivered.

In the electronic mail delivery system of still another automatic transaction apparatus of the present invention, the electronic mail is delivered again when the user corrects the electronic mail address.

[0021]

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 block diagram of an electronic mail delivery system in an automatic transaction device according to an embodiment of the present invention. In the figure, solid lines indicate network connections and arrows indicate people's access to the system.

In the figure, reference numeral 11 designates a CD (cash dispenser), an ATM (cash dispenser), etc., which is installed at a branch of a financial institution 15 such as a bank, a credit union, a post office, or a consumer finance company. Is an automatic transaction device for operating the user 12 of the financial institution 15 to perform financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. It is a device. Also, the automatic transaction device 11
May be a multi-function 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. Further, the automated teller machine 11 is used in a place other than a branch of the financial institution 15, such as a commercial facility such as a supermarket or a convenience store, a parking lot, an outdoor such as a road, a station yard, an underground passage, a city hall, a tourist information center, a school, or the like. It may be installed in any place such as public facilities.

The user 12 is a person who opens his own account in the financial institution 15 and uses the financial service, and is generally an individual, but may be a company, an organization or the like. . The automatic transaction device 11 has a user operation unit 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. In addition, the user operation unit,
It is desirable that the touch panel has the functions of both input means and display means.

Further, the automatic transaction device 11 has a card handling section for handling cards such as cash cards.
Here, the card is a card issued by the financial institution 15 to the user 12 for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc., and the name, account number of the user 12, It has a magnetic stripe that stores information such as a personal identification number. The member for storing the information may be an IC embedded in a card, instead of the magnetic stripe. The card handling unit includes a card slot into which a card is inserted, and a card carrier for carrying the card, and reading and overwriting of information stored in the magnetic stripe of the card or the IC. A recording head such as a magnetic head for erasing data is provided.
It is desirable that the card handling unit can handle other types of cards such as cash cards, credit cards and debit cards issued by other financial institutions 15.

Further, the automatic transaction device 11 comprises a transaction statement issuing unit for issuing transaction statement. The transaction statement sheet is a piece of paper on which information regarding financial transactions performed by the user 12, such as deposit, withdrawal, balance inquiry, transfer, transfer, remittance, and fixed deposit setting, is printed. The type, transaction amount, etc. are printed. The transaction statement may be issued only when the user 12 desires.

The automated teller machine 11 has a passbook entry section 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 the user 12, and records financial transactions such as deposit, withdrawal, transfer, transfer, remittance, and time deposit setting. Is to be printed. The front or back cover of the passbook is provided with a magnetic stripe that stores information such as the user's 12 name, account number, and personal identification number. Further, the passbook entry section is provided with a passbook slot into which a passbook is inserted, and in the passbook slot, a carrying device for carrying the passbook, a print head for printing the record of the financial transaction on the passbook, and a magnet for the passbook. A recording head such as a magnetic head for reading, overwriting, and erasing the information stored in the stripe is provided.

The automatic transaction device 11 has a cash deposit / withdrawal unit for handling banknotes and coins. The cash deposit / withdrawal unit receives and counts the cash deposited by the user 12 in a financial transaction such as deposit, and pays out a predetermined amount of banknotes or coins in the financial transaction such as dispensing.

Further, the automatic transaction device 11 is a CP
The automatic transaction device 1 is provided with a computing means such as U and MPU, a semiconductor memory, a storage means such as a magnetic disk, a communication means and the like.
1 has a control part which controls operation | movement integrally.

Reference numeral 13 is a host computer of a financial institution 15 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., which is operated by the financial institution 15. Managed. The host computer 13 is connected to the financial institution 15
Is installed at the headquarters of the company, and is provided with a wired or wireless dedicated communication line, public communication line, LAN (Local Area Network).
ork), WAN (Wide Area Network)
k), via a network 19 such as the Internet or an intranet so as to be communicatively connected to the automatic transaction device 11 and perform communication relating to financial transactions with the automatic transaction device 11 so that the user 12 can operate the automatic transaction device 11
Process financial transactions made by operating. The host computer 13 may be an independent single computer, a so-called distributed server in which a plurality of computers are organically connected, or a large-sized computer that also functions as another device. It may be a system built in the computer. And 14 is CP
A user information management server built in a computer including a computing unit such as U and MPU, a storage unit such as a semiconductor memory and a magnetic disk, an input unit, a communication unit, and the like, which is operated and managed by the financial institution 15. . The user information management server 14 is arranged at the headquarters of the financial institution 15 or the like, and each automated transaction device 1 is provided via the network 19.
1 is communicably connected to the automatic transaction device 11 to perform user information registration / inquiry communication.

The user information management server 14 is
It may be built in the host computer 13. The user information management server 14 stores user attribute information for each user 12, such as date of birth, presence of spouse, occupation, residence attribute, etc., and account holding status. As information, the user 12
Information on financial products and services addressed to financial institutions 1
The individual messages from the person in charge of 5 are stored.
Further, the additional information is information on details, that is,
Detailed information is also stored.

Further, the user information management server 14 is
It is communicatively connected to the public network 18. The public network 18 is a network for the unspecified majority to communicate, and is, for example, the Internet, but may be a mobile phone network, a LAN, a WAN, a telephone line network, or the like, or a combination thereof. It may be one. The network 19 may be the same as the public network 18 or may be a part of the public network 18. For example, the network 19 is a VPN (Virtual Private Network) using the public network 18.
rk).

Reference numeral 16 denotes an electronic mail server as a computer, which 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, and a communication means, and which is communicably connected to the public network 18. is there. The e-mail server 16 is a service provider 1
7 operated and managed by the public network 18
Manage sending and receiving emails on. The service provider 17 is a person who uses a service connected to the public network 18, and is generally a company, but may be an individual, a group, or the like.

Reference numeral 20 denotes a user's stationary terminal which is arranged in a user environment such as the user's 12 home or office and is communicably connected to the public network 18, and the electronic mail server 16 It has the function to access and send and receive e-mail. The user stationary terminal 20 is
CPU, MPU, etc., arithmetic means, semiconductor memory, magnetic disk, etc. storage means, CRT, liquid crystal display, etc. display means, keyboard, mouse, etc. input means, printer, etc. printing means, communication means, etc. For example, it is a personal computer, a game machine, a digital telephone, a digital television or the like.

Reference numeral 21 denotes a user portable terminal which is communicably connected to the public network 18 and which is carried by the user 12, and which accesses the electronic mail server 16 to send and receive electronic mail. Has the function of performing. The user portable terminal 21 includes a computing unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk,
It is provided with a display means such as a CRT and a liquid crystal display, an input means such as a keyboard, a communication means, and the like.
Mobile phone, PHS (Personal Handyp
phone System, PDA (Perso)
a digital assistant, an electronic notebook, a mobile terminal, a portable personal computer, a wearable computer, a game machine, and the like.

The user 12 is preferably in a state of using both the user stationary terminal 20 and the user portable terminal 21, but may be in a state of using only one of them.

Here, the user 12 concludes a contract with the service provider 17 in advance and uses the user stationary terminal 20 or the user portable terminal 21 to send and receive e-mail addresses. Are set by the service provider 17. Then, the electronic mail addressed to the user 12 is transmitted to the electronic mail server 16 via the public network 18, and is stored in the file corresponding to the electronic mail address set in the electronic mail server 16. . Subsequently, when the user deferred terminal 20 or the user portable terminal 21 accesses the electronic mail server 16, the electronic mail stored in the file is transmitted to the user deferred terminal 20 or the user portable terminal 21. . Even if the user deferred terminal 20 or the user portable terminal 21 does not access the e-mail server 16, the e-mail once stored in the file is automatically stored in the user deferred terminal 20 or It may be transmitted to the user portable terminal 21.

As a result, the user 12 can browse the electronic mail displayed on the display means of the user stationary terminal 20 or the user portable terminal 21. In addition, when the user stationary terminal 20 or the user portable terminal 21 includes a printing unit, the electronic mail may be printed.

Next, the operation of the electronic mail delivery system in the automatic transaction device 11 having the above-mentioned configuration will be described.

First, when the user 12 operates the automatic transaction device 11 to make a financial transaction, a transaction selection screen for selecting a financial transaction is displayed on the display means of the user operation unit. Here, a case will be described in which the user operation unit is a touch panel having the functions of an input unit and a display unit.

Then, in the user operation unit 12,
User 12 displays the deposit, withdrawal, passbook entry,
Select a desired transaction from among financial transactions such as transfer, transfer, balance inquiry, etc. In the present embodiment, for convenience of explanation, a case of making a balance inquiry will be described, but the same applies to other financial transactions. Therefore, the user 12
Touch the balance inquiry key displayed on the user operation unit, that is, touch it.

Subsequently, a screen for instructing the insertion of the cash card is displayed on the user operation unit, so that the user inserts the cash card into the card slot of the card handling unit.

Subsequently, a ten-key is displayed on the user operation unit along with an instruction to input a personal identification number, and the user touches the ten-key and inputs the personal identification number. Then, the recording head of the card handling unit reads the account information, which is the information stored in the magnetic stripe of the cash card or the IC. Here, the account information is information such as a branch number, an account number and a personal identification number. Then, the account information is sent from the automatic transaction device 11 via the network 19 to the host computer 13 of the financial institution 15.
Sent to. Then, the host computer 13
Acquires the balance of the account of the user 12 corresponding to the account information and sends it back to the control unit of the automatic transaction device 11.

The account information is also transmitted from the automatic transaction device 11 to the user information management server 14 of the financial institution 15 via the network 19. Then, the user information management server 14 searches the additional information stored together with the user attribute information for each user 12, and the information about the service or financial product addressed to the user 12 corresponding to the received account number. , Investigates whether there is additional information such as an individual message from the person in charge of the financial institution 15. When there is additional information, the automatic transaction device 11
Reply to. In the present embodiment, a case where the additional information is present will be described.

Then, a balance confirmation screen is displayed on the user operation unit, a comment indicating that there is additional information, and an instruction to touch the guidance key when browsing the additional information are displayed. Is displayed. Further, when the new additional information is not browsed, the end key is pressed. In this embodiment, a case where the user 12 touches the guide key will be described.

Then, the user operation unit displays on the display screen additional information such as information about services and financial products addressed to the user 12, individual messages from the person in charge of the financial institution 15, and the like. Also, on the display screen, select that the detailed information about the additional information is available, and if you want to obtain it, select the key you want to obtain, if you do not want to obtain it, select the end key. An instruction to do so is displayed.

Subsequently, when the user 12 touches a key desired to be obtained, an electronic mail address for delivering a material containing detailed information of the additional information by electronic mail is input to the user operation unit. The screen for doing is displayed. If the user 12 has previously input an e-mail address, the e-mail address is stored in the user information management server 14 as user attribute information. Therefore, the previously input e-mail address is transmitted from the user information management server 14 and displayed in the form of a list on the user operation unit. In the list, the e-mail addresses are arranged in the order used for delivering the e-mail or vice versa.

Therefore, the user 12 selects an e-mail address in the list displayed on the user operation unit and touches it to confirm the e-mail address for delivering the material by e-mail. It can be replaced by writing. If the user 12 wishes to be delivered to another e-mail address, the user 12
Input the e-mail address in a predetermined box. In addition, you can correct, change, or change the email address in the list.
You can also delete it.

When an e-mail address for delivering the material by e-mail is set, the e-mail address is transmitted from the automatic transaction device 11 to the user information management server 14.

Subsequently, an instruction to receive the card and transaction statement is displayed on the user operation unit. Then, the card handling section ejects the cash card of the user 12 and issues a transaction statement.

Further, the user information management server 14 delivers the material by electronic mail via the public network 18. Then, the electronic mail is stored in the file corresponding to the electronic mail address in the electronic mail server 16 based on the electronic mail address.

Then, when the user 12 accesses the electronic mail server 16 using the user's stationary terminal 20 or the user's portable terminal 21, or automatically, the electronic mail stored in the file is User deferred terminal 2
0 or transmitted to the user mobile terminal 21. This allows
The user 12 can browse the electronic mail displayed on the display means of the user stationary terminal 20 or the user portable terminal 21. In addition, when the user stationary terminal 20 or the user portable terminal 21 includes a printing unit, the electronic mail may be printed.

As a result, the user 12 can browse detailed information of additional information such as information about services and financial products provided by financial institutions and individual messages from financial institution staff at a convenient place at a convenient time. can do.

It is desirable that the fact that the user 12 browses the electronic mail be transmitted from the electronic mail server 16 to the user information management server 14. As a result, the fact that the user 12 browses the e-mail is recorded in the user information management server 14 as user attribute information.

Also, when the e-mail cannot be delivered due to a mistaken writing of the e-mail address or the like,
It is desirable that the fact that the electronic mail cannot be delivered is recorded in the user information management server 14 as user attribute information. In this case, the content of the electronic mail is also stored in the user information management server 14.

If the e-mail cannot be delivered, the user information management server 14 will not be able to deliver the e-mail when the user 12 operates the automatic transaction device 11 to perform a financial transaction next time. Automatic transaction device 11
Send to. As a result, the fact that the electronic mail could not be delivered is displayed on the user operation unit of the automatic transaction device 11, and an instruction to check and correct the electronic mail address recorded as the user attribute information. Is displayed.

When the user 12 corrects the electronic mail address, the corrected electronic mail address is transmitted from the automatic transaction device 11 to the user information management server 14. Then, the user information management server 14 delivers the material by the corrected e-mail address.

In this case, since the corrected e-mail address is recorded in the user information management server 14 as user attribute information, the user 12 thereafter operates the automatic transaction device 11 to make a financial transaction. At some time, it is displayed in the list as an electronic mail address to which the detailed information of the additional information is delivered and can be selected.

It should be noted that the user 12 next time the automatic transaction device 1
By the time of operating 1 to conduct financial transaction, the user 12
If the fact that the e-mail is viewed by the e-mail is not transmitted from the e-mail server 16 to the user information management server 14, a message indicating that the e-mail is not viewed is displayed on the user operation unit of the automatic transaction device 11. You may do it. As a result, the user 12 notices that he / she is not browsing the e-mail, and uses the user stationary terminal 20 or the user portable terminal 21 to execute the e-mail server 16
You can access the email and browse the email.

As described above, in the present embodiment, by delivering the electronic mail from the user information management server 14, information on services and financial products provided by the financial institution 15 and information from the person in charge of the financial institution 15 is sent. Detailed information of additional information such as an individual message can be provided to the user 12. Further, the user 12 can browse the detailed information of the additional information at any place at any time.

Therefore, the financial institution 15 uses the user 12
Services can be improved, and there are more opportunities to increase sales of financial products and services related to the additional information.

In addition, even if the electronic mail cannot be delivered, the user 12 can remind the operator to correct the electronic mail address when he / she operates the automatic transaction apparatus 11 next time. The mail can be delivered again, and the information required by the user 12 can be reliably provided.

Furthermore, even if the postal code, address, etc. of the mail delivery destination is changed by moving or moving, the information required by the user 12 can be surely provided by electronic mail.

Further, since the clerical contact to the user 12 which has been conventionally made by mail can be surely made by the electronic mail, the service to the user 12 is improved and the management of the financial institution 15 side is performed. The work can be reduced.

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.

[0066]

As described in detail above, according to the present invention, in the electronic mail delivery system of the automatic transaction device, the user operates the financial transaction to display the additional information provided by the financial institution. User information for storing the additional information, the detailed information of the additional information, and the user's e-mail address, communicating with the automatic transaction device, and delivering an e-mail to the e-mail address. A detailed information of the additional information selected by the user operating the automatic transaction device is delivered to the electronic mail address by the user as an electronic mail by the user information management server.

In this case, when the user selects the additional information that he / she is interested in, the material in which the detailed information of the additional information is described is delivered to the user's electronic mail address by electronic mail.

[Brief description of drawings]

FIG. 1 is a configuration diagram of an electronic mail delivery system in an automatic transaction device according to an embodiment of the present invention.

[Explanation of symbols]

11 Automatic transaction equipment 12 users 14 User information management server 15 financial institutions

Front page continuation (51) Int.Cl. ⁷ identification code FI theme code (reference) G07D 9/00 451 G07D 9/00 451Z G07F 19/00 476

Claims (6)

[Claims] 1. An automatic transaction device which: (a) a user operates a financial transaction to display additional information provided by a financial institution; and (b) the additional information, detailed information of the additional information, and the A user information management server which stores an electronic mail address of a user, communicates with the automatic transaction device, and delivers an electronic mail to the electronic mail address, (c)
Detailed information of the additional information selected by the user operating the automatic transaction device is delivered to the electronic mail address by the user information management server as an electronic mail. Delivery system. 2. The electronic mail delivery system in an automatic transaction device according to claim 1, wherein the additional information is a financial product, service or individual message provided by the financial institution. 3. The electronic mail distribution system for an automatic transaction device according to claim 1, wherein the electronic mail address is transmitted from the user information management server to the automatic transaction device and displayed in a selectable manner. 4. The electronic mail in the automatic transaction device according to claim 1, wherein the electronic mail address can be modified, added, or deleted by operating the automatic transaction device. Mail delivery system. 5. The electronic mail is stored in the user information management server when it becomes undeliverable, and the automatic transaction device becomes undeliverable when the user operates it. The electronic mail distribution system in the automatic transaction device according to any one of claims 1 to 4, which displays a message. 6. The e-mail is delivered again when the user corrects the e-mail address.
An electronic mail delivery system in the automatic transaction device described in.