JP2003228749A - Transaction guidance display device for automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a device displaying transaction guidance such as a schedule for ATM transfer when a customer operates an automatic teller machine (ATM). <P>SOLUTION: In a data processing system comprising the ATM 1 and a host computer 2 connected thereto, the host computer 2 is provided with a storage means 20 storing transaction items and transaction item registration screen images related to the customer having an account number, a request signal detecting means 23 detecting transaction registration request signal requesting the output of the transaction registration screen image, a transaction item detecting means 21 detecting whether the transaction item exists in relation to the customer, and a registration processing screen image generating means 22. When the customer operates the ATM 1, the transaction item detecting means 21 detects the existence of the registered transaction item for the customer, the host computer delivers to the ATM 1 the output screen image indicating the registered transaction, and the ATM 1 adds this output screen image to its own output screen images. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction guide display means of an automatic transaction device, and particularly when there is a process such as a transfer to a customer, this process is registered in advance and the customer operates the automatic transaction device. At this time, it is displayed so that the processing such as the transfer is performed without forgetting the deadline.

[0002]

2. Description of the Related Art In a conventional automatic transaction apparatus (ATM), a transaction process performed by a customer is only entered in a passbook or printed on a receipt. There was no function to guide the transaction.

Therefore, when there is a transaction that must be carried out in the near future, such as a transfer process, an ATM user can memorize the transaction content by himself / herself and enter the transfer destination / amount in a notebook or the like. It is necessary to manage the contents with and do not forget.

For this reason, if the user forgets necessary transaction processing, or if he / she does not have a passbook, he cannot confirm whether the transaction processing has already been performed. After confirming the passbook at home or the like, he visits the ATM installation place again. Transaction processing is required.

Further, in the conventional ATM, the receipt is lost when the transaction processing is not entered in the passbook, and the past transaction cannot be confirmed when the passbook is not held. Therefore, it is possible to manage by personal memory or memo pad 1
Every month, every six months, or once a year, transaction processing must be performed accurately. For example, even if the ATM is used in another case such as withdrawing a deposit, the transaction processing is forgotten or processed. Because I can not confirm whether I did it,
It was necessary to visit the ATM installation site again and perform transaction processing such as transfer processing after confirming separately with a memo pad or the like.

[0006]

Therefore, the customer has the opportunity to use the ATM for withdrawing a small amount of cash, or the ATM on the street corner.
Even though it may pass in front of a corner, there is a problem that transaction processing such as transfer processing or transfer processing cannot be performed when there is no sense of purpose.

The present invention solves these problems by
When there is a transaction requirement such as a transfer, the transfer destination whose content is the content of the transfer to the host of the financial institution via a terminal such as ATM.
The purpose is to store the transfer destination, the amount of money, the time when the transaction is necessary, etc., and to output the information when the customer uses the ATM, for example, according to the time.

[0008]

The outline of the present invention will be described with reference to FIG. In FIG. 1, 1 is an ATM, 2 is a host computer, 3 is a communication line, 10 is a display unit, and 11 is a CP.
U and 12 are synthesizing means, 20 is a storage device, 21 is transaction item entry detecting means, 22 is registration processing screen creating means, 23 is request signal detecting means, and 30 to 33 are display screens on the display unit 10. The above objects of the present invention are as follows (1) to (3)
Achieved by

(1) In the data processing apparatus having the host computer 2 connected to the automatic transaction apparatus 1, the storage means 3 for storing transaction items relating to a customer having an account number and a transaction item registration screen in the host computer 2.
0, request signal detection means 23 for detecting a transaction registration request signal for requesting output of the transaction registration screen, transaction item detection means 21 for detecting whether or not a transaction item exists for a customer,
When the customer operates the automatic transaction apparatus 1, the registration processing screen creating means 22 for creating an output screen indicating that the transaction item exists is detected by the transaction item detecting means 21 when the customer operates the automatic transaction device 1. At this time, the registration processing screen creating means 22 creates an output screen showing the registered transaction items, the host computer sends this output screen to the automatic transaction device 1, and the automatic transaction device 1 outputs this output screen by itself. A transaction guidance display device for an automatic transaction device, which is added to a screen.

(2) A terminal device that outputs a transaction registration request signal requesting the output of a transaction registration screen includes transaction processing name, account number of transfer destination or transfer destination, date, and amount for inputting transaction items. Display means 10 for outputting a transaction registration screen
A transaction guidance display device for an automatic transaction device, which is provided with.

(3) The terminal device is at least one of an automatic transaction device, a mobile phone, and a personal computer.
The transaction guide display device of the automatic transaction device according to claim 2, wherein

With this, the following operational effects can be obtained.

(1) When a transaction registration request signal is sent from the terminal device, a transaction registration screen is output in response to this, and the customer can register transactions such as transfer and transfer, and the customer operates the ATM. At that time, the transaction registered on the display screen of the ATM is issued and the customer is notified that there is a transaction such as a transfer, so that the customer can surely execute the transaction such as the transfer and the credit is deteriorated. Can be effectively prevented, and convenient ATMs can be provided to users, which leads to improvement of financial services, acquisition of new customers, and increase in the number of installed ATMs.

(2) Since the transaction registration screen can be called from the terminal device and displayed, and necessary items can be input, transaction registration can be performed very easily and conveniently.

(3) As the terminal device, not only an automatic transaction device (ATM) installed by a financial institution but also a widely used one such as a personal computer or a mobile phone can be used, so that transaction registration can be easily performed from anywhere. And can help improve customer credit.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described with reference to FIGS. FIG. 1 is an explanatory diagram of an embodiment of the present invention and a display screen, FIG. 2 is an explanatory diagram of its operation, and FIG. 3 is a system configuration diagram of the present invention.

In the figure, 1 is an ATM, 2 is a host computer, 3 is a communication line, 10 is a display unit, 11 is a CPU, 12
Is a synthesizing unit, 20 is a storage device, 21 is a transaction item entry detecting unit, 22 is a registration processing screen creating unit, 23 is a request signal detecting unit, 40 is a mobile phone, and 50 is a personal computer.

The ATM 1 is for carrying out various financial-related automatic transactions in which the customer carries out operations such as withdrawing cash, depositing money, entering a passbook, and making a balance inquiry. The customer performs a transfer schedule or transfer schedule registration process performed by the customer, or displays the transfer schedule or the transfer schedule when the customer operates the ATM 1, and displays it.
1 and a synthesizing means 12 and the like.

The host computer 2 centrally processes inputs from ATMs installed in each branch of a financial institution, and stores customer data corresponding to customer deposit operations, withdrawal operations, and the like. The stored data is output for entering the passbook. In the present invention, in addition to these, the customer
When a transfer schedule or transfer schedule registration process is performed from a terminal device such as a TM, this is memorized, and when the customer operates the ATM, the transfer schedule or transfer schedule is registered for the customer AT operated by
The storage device 20, the transaction item entry detecting means 21, the registration processing screen creating means 22, the request signal detecting means 23, and the like are provided.

The communication line 3 connects the ATM 1 and the host computer 2 to enable data transmission / reception, or connects a personal computer and a host processor (not shown in FIG. 1).
It connects a mobile phone and a host processor, and is composed of, for example, a public line, the Internet, or the like.

The display unit 10 displays the input guidance screen in the ATM 1 and displays the registration process when there is a registration process such as a transfer schedule or a transfer schedule for the operating customer.

The CPU 11 performs data processing in the ATM 1, controls screen display such as initial screen display, and has a personal identification number entered after the customer inserts the cash card on the cash card. Matching processing is performed, whether the transaction item input screen sent from the host is displayed, the data input based on this is sent to the host computer, or the transaction sent from the host computer 2 The display processing of a registration processing screen showing the existence of an item is performed.

The synthesizing means 12 is for synthesizing and displaying the registration processing screen sent from the host computer 2 to the ATM 1, for example, with a part of the initial screen.

The storage device 20 stores customer deposit data such as a deposit balance, a transaction item registration screen displayed for registering a transfer schedule or a transfer schedule, transfer schedule data or transfer schedule data. Is.

The transaction item entry detecting means 21 adds identification data to the transfer scheduled data or the transfer scheduled data sent from the terminal such as the ATM 1 to perform the entry processing, or the ATM.
When the account number of the customer operating 1 is transmitted, the transfer scheduled data or transfer scheduled data entered in the data read from the storage device 20 based on the account number and the identification data is detected.

The registration processing screen creation means 22 is based on the transfer scheduled data or the transfer scheduled data detected by the transaction item entry detection means 21, and is a personal registration processing screen showing a processing item indicating whether the transfer processing is the transfer processing and a processing deadline. Is to create.

The request signal detecting means 23 is used by the customer for ATM1.
When a personal registration menu is selected from a terminal device such as the above, a transaction registration request signal for requesting transmission of a transaction registration screen output from the CPU 11 is detected, and based on this signal, stored in the storage device 20. As shown in 1 (C), the transaction item registration screen is read out.

Reference numeral 40 denotes a mobile phone which can carry out transaction item registration processing as will be described later.

Reference numeral 50 is a personal computer, which can perform transaction item registration processing as will be described later.

Next, (1) when the customer uses the ATM store to register the transfer schedule data or the transfer schedule data, and (2) when the customer has already registered these schedule data, the customer AT
FIG. 1 shows the operation of the present invention when M is operated.
Will be described.

(1) When registering from ATM In the present invention, ATM1 is used as an initial screen as shown in FIG.
As shown in the display screen 30 of No. 3, one of the menu items is an item of "individual registration".

When inputting a transfer or transfer schedule, the customer inserts a cash card, selects "individual registration" by, for example, touch, and inputs a personal identification number based on a guidance screen (not shown). The CPU 11 recognizes that "individual registration" has been selected, and if the personal identification number matches the one written on the cash card, it sends a transaction registration request signal to the host 2 for output of the transaction registration screen. .

In the host 2, when the request signal detecting means 23 detects this, a transaction registration screen as shown as a display screen 31 in FIG. 1 (C) is read from the storage device 20,
This is sent to the ATM 1 via the communication line 3 and is displayed and output to the customer on the display unit 10.

When the customer selects the "transfer" item and then selects the transfer destination, the display screen changes and a Japanese syllabary showing the aiio is output, so the customer can use this to display the company name and personal name of the transfer destination. And so on. Then again Figure 1
The transaction registration screen of (C) is displayed, and the account number, the due date, and the amount of money are sequentially input. As a result, the display screen 32 on the right side of FIG. 1C is obtained. At this time, if the correction portion is detected, the correction item can be selected, the correction destination can be selected, and the correct one can be input. When canceling, select this item to cancel the input partially or entirely.

When the customer subsequently selects a confirmation item (not shown), the CPU 11 sends this content to the host computer 2 together with the customer's account number obtained from the cash card. In the host computer 2, the transaction item entry detection unit 21 adds identification data indicating that it is transaction registration data based on this account number, and writes it in the storage device 20.

The display screen 3 shown on the left side of FIG.
When the “transfer” item is selected in 1, the transfer is to deposit from one account of the same person in the same financial institution to another account, and the transfer destination item is unnecessary, so the CPU 11
Does not display the transfer destination item on the display screen 32 on the right side of FIG. 1C, but displays the drawing in which the transfer is entered as the process. This allows the customer to enter the transfer destination account number, due date, and amount.

(2) When a registered customer operates an ATM, when the customer inserts a cash card into the ATM 1 for withdrawing a deposit, the CPU 11 of the ATM 1 sends the account number to the host computer 2. As a result, the host computer 2 reads out the storage device 20 based on the account number, and the transaction item entry detection means 21 identifies the presence of transaction registration data, which is transfer scheduled data or transfer scheduled data, in the read data. Detect based on data. When the transaction registration data is detected, it is sent to the registration processing screen creating means 22.

Based on the transaction registration data, the registration processing screen creating means 22 indicates the number indicating the transaction registration data rank, the processing item indicating transfer or transfer, and the deadline of the processing item, as shown in FIG. Create a screen as shown on the right. The host computer sends the created screen to the ATM 1 used by the customer.

The ATM 1 receives the transmitted creation screen, and the synthesizing means 12 creates the display screen 30 as shown in FIG. 1 (D) which is synthesized with a part of the display screen 30 as shown in FIG. 1 (B). This is displayed on the display unit 10.

When the customer selects the item of numeral 1 by touching or the like, the CPU 11 notifies the host computer 2 of this, and the host computer 2 shows the detailed contents as shown in the display screen 32 of FIG. 1 (C). Since the screen is sent, this is displayed on the display unit 10 of the ATM 1. Next, if the item of number 2 is selected, the detailed contents are similarly displayed to the customer.

As a result, the customer can recognize the content of the transfer, transfer, etc., which he / she should perform, and can deal with it.

After confirming the contents of the display screen shown in FIG. 1D in this way, or if the customer selects a confirmation item not shown, the ATM 1
Is again the display screen 3 which is the initial screen as shown in FIG.
Since "0" is displayed, the customer can perform the desired withdrawal operation of the deposit based on this.

Next, the operation in the case where the customer registers the transaction registration data using the ATM and then performs the processing for the data will be described with reference to FIG.

(1) When a customer has transaction processing requirements,
As mentioned above, select personal registration items from ATM and
Register the processing contents from. As a result, the amounts and dates of the deposits A, B and C are entered as shown in FIG. Then, these registration processes are stored in the host computer as described above.

(2) When the customer next visits the ATM corner and inserts the cash card into the ATM as described above, the host computer will guide the registration processing read out based on the account number. The presence of the transfer B and the transfer C is displayed on the display unit of the ATM, and the customer is notified of them.

(3) When the due date for the transfer A approaches, the customer performs the transfer process for the due date. A request to delete the transfer A due to the completion of the transfer process is sent from the ATM to the host computer together with the customer's account number obtained from the cash card used for the transfer process, so the host computer can remember the registration. This transfer A is deleted from the processing content.

(4) When the customer subsequently visits the ATM corner and inserts the cash card into the ATM, the guidance of the registration processing for the transfer B and the transfer C is performed this time, and the customer recognizes the existence of these. be able to.

(5) When the due date for the transfer B is approaching, the customer carries out the transfer process for this. Then, the ATM issues a processing request to the host computer to delete the transfer B from the registration processing content.

In this way, the customer can confirm the transaction processing of the transfer and the transfer by the ATM when there is the transaction processing, and never forget the transaction processing.

When registering a transaction, if the transaction is monthly, semi-annual, or periodic, a periodic item is provided on the transaction registration input screen, and if the period is entered, the host computer responds to this. The calculation can be performed and stored a predetermined number of times. In this case, the display of the personal registration processing for the ATM can be performed on the host computer side such as displaying the personal registration processing within a certain period from the date of the guidance of the registration processing, for example, within half a year.

The transaction registration can be performed not only by the ATM but also by other terminal devices such as the mobile phone 40 and the personal computer 50 as shown in FIG.

A case where transaction registration is performed using a mobile phone will be described with reference to FIG.

(1) When a customer uses a mobile phone to register a transaction with a host computer, he / she inputs a telephone number for connection in order to connect with the host computer of the center of the financial institution.

(2) As a result, the customer's mobile phone is connected to the host computer.

(3) Then, the customer inputs the service number indicating that the transaction registration is to be performed from the mobile phone. This is decrypted by the host computer, and the host computer recognizes that the request from the customer is the transaction registration mode.

(4) Next, the customer inputs his account number. This is notified to the host processor so that the customer can be confirmed.

(5) Then, the host processor is shown in FIG.
As shown in (B), the transaction registration screen is sent to the mobile phone.

(6) As shown in FIG. 4 (B), the transaction registration screen for the mobile phone has numbers for indicating the selection items, and the customer specifies the selection items by these numbers, Enter the appropriate information. When the necessary information is entered on the transaction registration screen in this way, the customer sends it to the host computer. In the host computer, this is registered in the storage device of the host computer based on the customer's account number, similar to the registration by the ATM.

A case where transaction registration is performed using a personal computer will be described with reference to FIG.

(1) When a customer uses a personal computer to register a transaction with a host computer, he / she inputs a connection address in order to connect with the host computer of the center of the financial institution.

(2) As a result, the customer's personal computer is connected to the host computer.

(3) Then, the customer inputs the service number indicating that the transaction registration is to be performed from the personal computer. This is decrypted at the host computer, and the host computer recognizes that the customer's request is the transaction registration mode.

(4) Next, the customer inputs his own account number. This is notified to the host processor so that the customer can be confirmed.

(5) Then, the host processor sends the display screen 31 shown on the left side of FIG. 1C to the personal computer as a transaction registration screen.

(6) The customer inputs necessary information from the personal computer and sends it to the host computer. In the host computer, this is registered in the storage device of the host computer based on the customer's account number, similar to the registration by the ATM.

[0066]

According to the present invention, the following effects can be obtained.

(1) When a transaction registration request signal is sent from the terminal device, a transaction registration screen is output in response to this signal, and the customer can thereby register a transaction such as transfer or transfer.
When a customer operates an ATM, the transaction registered on the display screen of the ATM is issued and the customer is notified that there is a transaction such as a transfer. Therefore, the customer can surely execute the transaction such as the transfer. It is possible to effectively prevent credit deterioration, provide convenient ATMs to users, improve financial services, and acquire new customers and increase the number of installed ATMs. .

(2) Since the transaction registration screen can be called from the terminal device and displayed, and necessary items can be input, transaction registration can be performed very easily and conveniently.

(3) As the terminal device, not only an automatic transaction device (ATM) installed by a financial institution but also a widely used one such as a personal computer or a mobile phone can be used, so that transaction registration can be easily performed from anywhere. And can help improve customer credit.

[Brief description of drawings]

FIG. 1 is an explanatory diagram of an embodiment and a display screen of the present invention.

FIG. 2 is an operation explanatory diagram of the present invention.

FIG. 3 is a system configuration diagram of the present invention.

FIG. 4 is an explanatory diagram of transaction registration of the present invention using a mobile phone.

FIG. 5 is an explanatory diagram of transaction registration of the present invention using a personal computer.

[Explanation of symbols]

1 Automatic transaction equipment (ATM) 2 Host computer 3 communication lines 10 Display 11 CPU 12 Synthetic means 20 storage 21 Transaction entry detection means 22 Registration processing screen creation means 23 Request signal detecting means 40 mobile phones 50 PC

Front page continuation (51) Int.Cl. ⁷ identification code FI theme code (reference) G06F 17/60 ZEC G06F 17/60 ZEC G07D 13/00 G07D 9/00 321C G07F 19/00

Claims (3)

[Claims] 1. A data processing device comprising a host computer connected to an automatic transaction device, wherein the host computer stores a transaction item relating to a customer having an account number and a transaction item registration screen, and the transaction registration. A request signal detection means for detecting a transaction registration request signal for output of a screen, a transaction item detection means for detecting whether or not a transaction item exists for a customer, and an output screen showing that a transaction item exists When the customer operates the automatic transaction device and the transaction matter detecting means detects the existence of the registered transaction matter for the customer, the registration process screen producing means indicates the registered transaction matter. Create an output screen, the host computer sends this output screen to the automatic transaction device, and the automatic transaction device outputs this output screen to itself. Transaction guidance display apparatus of an automatic teller machine, characterized in that added to the screen. 2. A transaction including a transaction processing name, a transfer destination or transfer destination account number, a due date, and an amount for inputting transaction items to a terminal device that outputs a transaction registration request signal for requesting output of a transaction registration screen. A transaction guidance display device of an automatic transaction device, characterized in that display means for outputting a registration screen is provided. 3. The transaction guide display device of an automatic transaction device according to claim 2, wherein the terminal device is at least one of an automatic transaction device, a mobile phone, and a personal computer.