JP2004145762A - Automatic transaction device and its campaign execution program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a delicate service for every customer by enabling the execution of a specified campaign for a specified customer. <P>SOLUTION: Campaign information and the execution condition of the campaign are set in the storage part 9 of an ATM 1. When the information acquired from an accounting system device 11 in a transaction corresponds to the execution condition of the campaign as a result of the collation therewith, the campaign information is displayed on a customer operation display part 2, the customer is made to select a prize to be presented to the customer, and it is registered in the customer information database 13 of a customer information management device 12. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a customer-operated automatic transaction device, and more particularly to an automatic transaction device that displays campaign information on a customer operation display unit.
[0002]
[Prior art]
In a customer-operated automatic transaction device installed in a branch of a financial institution, etc., a customer operation vacant time during a transaction, for example, during printing of unrecorded data, counting of cash, etc., a customer screen of a campaign screen such as a product guide is displayed. 2. Description of the Related Art Campaign information such as product information is displayed on a screen of an operation display unit or printed on a receipt at the end of a transaction and is released to customers.
[0003]
[Problems to be solved by the invention]
However, the above-described conventional technology has a problem that only the same information can be provided to all customers, and a specific campaign cannot be executed for a specific customer.
In addition, since the service provider only presents the campaign information unilaterally to the customer, there is a problem that both the financial institution and the customer cannot be satisfied.
An object of the present invention is to solve such a problem.
[0004]
[Means for Solving the Problems]
Therefore, in the present invention, in an automatic transaction apparatus having a customer operation display unit, the campaign information and the execution conditions of the campaign are set, and the customer information obtained from an external device or the like at the time of the transaction or the information inputted by the customer is described above. It is characterized in that the campaign information is displayed on the customer operation display section when the execution condition is matched with the campaign execution condition.
[0005]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of an automatic transaction system according to the present invention will be described with reference to the drawings.
FIG. 1 is a schematic diagram showing the configuration of the embodiment.
Reference numeral 1 denotes a customer-operated automatic transaction device (hereinafter referred to as ATM) installed in an ATM corner, a department store, or a convenience store of a banking office of a financial institution; 11, an accounting device provided in a district center of a financial institution; The ATM 1 is a customer information management device provided in an office center of a financial institution and the like. The ATM 1 is connected to these external devices (upper devices), the accounting device 11 and the customer information management device 12 via a communication line.
[0006]
Here, the ATM 1 has a customer operation display unit 2 configured by arranging a touch panel on a display unit such as an LCD for operation guidance and information input to the customer. A card reader / writer unit (hereinafter referred to as a card R / W unit) 3 for reading stripe information and updating information, and prints transaction details and unregistered information of past transactions on a passbook inserted from a passbook insertion slot. Passbook bookkeeping machine 4, banknote pay-in / pay-out machine 5 that performs deposit / withdrawal processing of banknotes associated with transactions, coin deposit / withdrawal machine 6 that performs deposit / withdrawal processing of coins associated with transactions, receipt paper to be released to customers and transaction records A receipt journal printer 7 for printing transaction details and the like on journal paper, a control unit 8 for controlling the entire operation of the ATM 1 including these 2 to 7, And a storage unit 9 for registering information panes.
[0007]
The control unit 8 has a function of communicating with the accounting device 11 and the customer information management device 12 via a communication line by a communication unit (not shown).
The accounting device 11 manages attribute information such as a personal identification number and store number of each customer, an account number for each account, an account balance for each account, and a customer name, and a transaction history. It is referred to as an upper-level device and performs account transaction communication such as payment, deposit, balance inquiry, and the like with the ATM 1.
[0008]
The customer information management device 12 has a customer information database 13. The customer information database 13 includes customer attribute information such as the name, date of birth, presence or absence of spouse, occupation, and residence attribute of each customer, Account holding status such as what kind of account is held is stored. In the present embodiment, campaign application information described later is stored in the customer information database 13.
[0009]
Referring to the information in the customer information database 13, the customer information management device 12 communicates information registration and inquiry with the ATM 1.
The customer information database 13 can be held in the accounting device 11.
FIG. 2 is a diagram showing an example of campaign information set in the storage unit 9 of the ATM 1 and its execution conditions. This campaign information is composed of “title”, “description”, “prize” and the like, and the execution condition is “transaction”. Name, transaction amount, account balance, and campaign period.
[0010]
Here, "Title" identifies the type of campaign, "Description" is the message used for screen display, "Premium" is the name of the premium, and a picture of the premium. In this example, PC, bicycle, It is assumed that a travel ticket has been set.
It is.
The "transaction name" which is a campaign execution condition indicates the type of transaction, and in this example, the "transaction name", that is, the type of transaction, is "balance inquiry".
[0011]
The “account balance” is set as “300,000 or more”, and the “campaign period” is indicated by a start date and an end date.
The campaign information and the execution conditions can be set in the storage unit 9 by a method such as being transferred from an external system to the ATM 1 or created by using a utility function of the ATM 1, and a plurality of pieces of campaign information can be set. It is.
[0012]
3 to 9 show examples of display screens according to the embodiment. The operation will be described with reference to FIGS. 1 and 2 together with these drawings.
First, as shown in FIG. 3, a screen (initial screen) for selecting a transaction is displayed on the customer operation display section 2 of the ATM 1, and the customer presses one of the screens to select it. Here, it is assumed that the balance inquiry is selected.
[0013]
Subsequently, a screen in which a message prompting insertion of the card shown in FIG.
When the customer inserts the card into the card insertion slot while watching this, the card is taken into the card R / W unit 3 and the account information such as the account number and the branch number recorded on the magnetic stripe is read.
[0014]
Next, a screen prompting the user to input a personal identification number shown in FIG. 5 is displayed on the customer operation display part 2. According to this screen, the customer presses a ten-key on the screen and inputs a personal identification number. The personal identification number and the account information are transmitted to the accounting device 11, and a screen including a message indicating that communication is in progress is displayed on the customer operation display unit 2 as shown in FIG.
[0015]
The accounting device 11 searches for the attribute information of the customer based on the account information from the ATM 1, compares the password included in the attribute information with the password from the ATM 1, performs identity verification, and then checks the customer. Is transmitted to the ATM.
Upon receiving (acquiring) the balance information, the control unit 8 of the ATM 1 stores the type of transaction selected by the customer, the current date obtained from a calendar (not shown), and the balance information in the campaign registered in the storage unit 9. To determine whether there is corresponding campaign information.
[0016]
If there is no corresponding campaign information, the balance is displayed on the customer operation display unit 2 and the card is returned to the customer by pressing the confirmation button provided on the screen, and the receipt journal printer 7 prints the balance information on the receipt. The transaction is terminated by printing and releasing.
On the other hand, when there is a corresponding campaign execution condition, that is, when the campaign information shown in FIG. 2 is stored in the storage unit 9, the customer selects the balance inquiry transaction as described above, and obtains today's date obtained from the calendar. If the date is within the campaign implementation period and the balance information from the accounting device 11 is, for example, 500,000 yen, the implementation condition is satisfied, and the screen shown in FIG.
[0017]
On this screen, a message prompting confirmation of the balance, a balance, a message indicating that the implemented campaign is guided by pressing the confirmation button, and a “confirm” button 14 are displayed. When the "Confirm" button 14 is pressed, the screen shown in FIG.
This screen shows that a specific campaign is being carried out, and a prize will be given if the prize is won. Therefore, a message prompting the user to select a prize, images of the prizes A, B, and C, and selection buttons 15a and 15b are displayed. , 15c, etc. are displayed as campaign information.
[0018]
The screen shown in FIG. 8 and the screen shown in FIG. 7 may be prepared in advance in the ATM 1 based on the campaign information shown in FIG. 2 and stored in the storage unit 9 or the like, and each time the screen is edited based on the campaign information. You may.
When the customer views one of the buttons 15a, 15b, and 15c and selects a prize while looking at the screen of FIG. 8, the information of the selected prize is included as campaign application information together with personal identification information such as an account number. The information is sent to the customer information management device 12 and registered in the customer information database 13.
[0019]
When the registration notification is sent from the customer information management device 12 to the ATM 1, a screen prompting the receipt of the card shown in FIG. 9 is displayed on the customer operation display unit 2 of the ATM 1, and the card is discharged from the card R / W unit 3 at the same time. Is done.
The transaction is completed when the customer receives this card.
After the campaign period, a prize lottery is performed, and when the prize is won, the prize is sent to the customer as shown in the message of FIG.
[0020]
According to the above-described embodiment, the campaign information and the execution conditions of the campaign are set, and the customer's account holding amount obtained from the accounting device at the time of the transaction is compared with the execution condition, and the execution condition is satisfied. In this case, since the campaign information is displayed on the customer operation display unit, the financial institution can execute a specific campaign for a specific customer, and at this time, a prize to be given to the customer is selected. As a result, it is possible to prevent both financial institutions and customers from being satisfied.
[0021]
In the embodiment described above, there are three types of prizes, but two or more types of prizes may be used, or only one type may be used. When there is only one type of prize, the operation of selecting the prize is eliminated, but in this case, the “confirmation” button 14 shown in FIG. 7 is displayed on the screen, and the customer information database 13 is displayed by pressing this button 14. You may make it register.
[0022]
Further, in the above-described embodiment, the type of transaction is set as “balance inquiry” and the “account balance” is set as “300,000 or more” as a condition for executing the campaign. The balance may be used as a campaign execution condition.
For example, the type of transaction is `` deposited transaction '', and the amount of deposit more than a certain amount is used as a campaign execution condition, regardless of the type of transaction, it is held in the customer's account such as the current time deposit amount or foreign currency deposit amount The amount of the lottery may be set as the campaign execution condition, and the purchase of the lottery may be regarded as payment, so that the purchase of the lottery with a certain amount or more may be set as the condition of the campaign display. In addition, some financial institutions such as banks implement a point system in which customers receive points to receive various benefits according to deposit transactions, etc. May be used as campaign execution conditions, and campaign information is displayed to customers who meet these conditions.
[0023]
In this case, when the campaign information is displayed on the condition that the time deposit amount and the foreign currency deposit amount are the conditions, the ATM 1 reads the information of the time deposit amount and the foreign currency deposit amount from the customer information database 13 of the accounting device 11 and the customer information management device 12. However, if the IC card is used as an electronic passbook or the like, the ATM 1 can obtain such information from the IC card by making the IC card hold information on the amount of a fixed term deposit and the amount of a foreign currency deposit. It is possible to immediately determine whether display of campaign information is necessary.
[0024]
Further, in the above-described embodiment, the prize is given as the campaign information. However, it is also possible to use the inquiry information of financial products as the campaign information.
[0025]
【The invention's effect】
As described above, according to the present invention, the campaign information and the campaign execution conditions are set in the automatic transaction apparatus, and the customer information obtained from an external device or the like at the time of the transaction or the information input by the customer is set in the automatic transaction apparatus. In the case where the execution condition is satisfied, the campaign information is displayed on the customer operation display unit, so that the financial institution can execute a specific campaign for a specific customer, and can provide detailed information for each customer. The effect that the service can be performed is obtained.
[0026]
In addition, when displaying campaign information, it is possible to select a gift to give to the customer, so that it can be prevented from becoming one-sided as in the past, satisfying both financial institutions and customers Is obtained.
In addition, since the campaign corresponding to the customer can be executed only by setting the campaign information and the execution condition of the campaign in the automatic transaction device, the campaign information and the execution condition of the campaign are set in an external device such as a customer information management device, Judging whether or not to display campaign information on an external device based on information from the automatic transaction device, there is no need to have a complicated program etc. compared to a system that sends campaign information to the automatic transaction device, and it does not become large Therefore, the effect that it can be implemented at low cost is also obtained.
[0027]
Further, the presence or absence of the display of the campaign information can be determined only by the automatic transaction apparatus, and there is an advantage that the transaction processing time is not prolonged because communication time with the external apparatus is not required.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of an embodiment; FIG. 2 is a diagram showing campaign information in an embodiment; FIG. 3 is a diagram showing an example of a display screen in an embodiment; FIG. FIG. 5 is a diagram showing an example of a display screen in the embodiment. FIG. 6 is a diagram showing an example of a display screen in the embodiment. FIG. 7 is a diagram showing an example of a display screen in the embodiment. FIG. 9 is a diagram showing an example of a display screen in the embodiment. FIG. 9 is a diagram showing an example of a display screen in the embodiment.
1 ATM
2 Customer operation display unit 3 Card reader / writer unit 4 Passbook bookkeeping machine 5 Banknote depositing / dispensing machine 6 Coin depositing / dispensing machine 7 Receipt journal printer 8 Control unit 9 Storage unit 11 Accounting system 12 Customer information management device 13 Customer information database

Claims (7)

In an automatic transaction device having a customer operation display unit,
Set the campaign information and the execution conditions of the campaign,
The information of the customer obtained from an external device or the like at the time of the transaction or the information entered by the customer is checked against the campaign execution conditions, and if the execution conditions are met, the campaign information is displayed on the customer operation display unit. Automatic transaction equipment. The automatic transaction device according to claim 1,
An automatic transaction apparatus wherein the condition for executing the campaign is a deposit amount input by a customer. The automatic transaction device according to claim 1,
An automatic transaction apparatus, wherein the condition for executing the campaign is an amount held in a customer's account. The automatic transaction device according to claim 1,
An automatic transaction apparatus, wherein the condition for executing the campaign is a point obtained by a customer through a transaction. The automatic transaction device according to claim 1,
An automatic transaction apparatus characterized by displaying a prize to be given to a customer on a screen for displaying campaign information. The automatic transaction device according to claim 5,
An automatic transaction apparatus characterized by displaying a plurality of prizes to be presented to a customer and allowing the customer to select the prize. A campaign execution program of an automated teller machine having a customer operation display section, and setting campaign information and execution conditions of the campaign,
A procedure for comparing the customer information obtained from an external device or the like at the time of the transaction or the information input by the customer with the execution conditions of the campaign,
A campaign execution program for an automatic transaction apparatus, wherein a step of displaying the campaign information on the customer operation display section is executed when the execution condition is satisfied.

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