JP2005258857A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device for adequately adapting to the needs of a user and providing advertisement(ad) information in a form with a higher ad effect, and to provide a system thereof. <P>SOLUTION: An automatic transaction device performs a money transaction in response to the operation of an operator and holds a plurality of ad data pieces respectively corresponding to the largeness of a transaction-related money amount. The device performs the money transaction, so as to extract one of the ad data pieces from the transaction-related money amount which is obtained as a money transaction performance result, prints the content of the money transaction, and prints the extracted ad data piece. The automatic transaction system includes a server apparatus for holding ad data and distributing it to a plurality of the automatic transaction devices. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus and system for money transactions such as cash deposits and withdrawals.

The automatic transaction apparatus outputs money transaction information to the display device or printing device in accordance with the money transaction. At this time, it is conceivable to output the advertisement information together with the money transaction information. For example, Patent Document 1 discloses a configuration that takes in balance information of a user who uses an automatic transaction apparatus and displays appropriate financial product advertisement information from the balance information on a display unit of the automatic transaction apparatus. Further, Patent Document 2 discloses a configuration in which an advertisement for a financial product whose contents are changed according to the gender or date of birth of a user is displayed on a display and printed on a slip.
Japanese Patent No. 2993005 Japanese Patent Laid-Open No. 11-283080

  However, in the method disclosed in Patent Document 1, since the advertising information is only displayed as temporary image information, the advertising effect is improved unless the user actively stores the advertising information. It was not possible to raise it sufficiently. In addition, although the method disclosed in Patent Document 2 has certainly made it possible to improve the advertising effect by printing advertisements on slips, even if the contents of advertisements can be changed due to differences in user gender, such differences Therefore, it cannot be said that the change in the content of the advertisement is sufficiently adapted to the user's needs.

  An object of the present invention is to provide an automatic transaction apparatus and system that can be more appropriately adapted to the needs of users and can provide advertisement information in a form with a higher advertisement effect.

  An automatic transaction apparatus according to the present invention is an automatic transaction apparatus that performs a monetary transaction according to an operation of an operator, and an advertisement data holding unit that holds a plurality of pieces of advertisement data pieces each corresponding to the size of a transaction-related amount of money. , Money transaction execution means for executing the money transaction, advertisement data extraction means for extracting one of the plurality of pieces of advertisement data from a transaction-related amount obtained as a result of execution of the money transaction, and contents of the money transaction And print output means for printing the extracted advertisement data piece.

  The automatic transaction system according to the present invention is an automatic transaction system including at least one automatic transaction apparatus that makes a money transaction in accordance with an operation of an operator, and a server apparatus connected to the automatic transaction apparatus. , Advertisement data holding means for holding a plurality of pieces of advertisement data each corresponding to the size of the transaction-related amount, and advertisement data transmitting means for sending the pieces of advertisement data pieces to each of the automatic transaction apparatuses Each of the automatic transaction apparatuses includes a monetary transaction executing means for executing the monetary transaction, and advertisement data extraction for extracting one of the plurality of pieces of advertisement data from a transaction-related amount obtained as a result of executing the monetary transaction. And a print output means for printing the contents of the money transaction and printing the extracted advertisement data piece.

  According to the automatic transaction apparatus and system of the present invention, it is possible to more appropriately adapt to the needs of the user, and to provide advertisement information with a higher advertisement effect.

Embodiments of the present invention will be described in detail with reference to the accompanying drawings.
<First embodiment>
FIG. 1 shows a first embodiment of the present invention and shows a configuration of an automatic transaction apparatus according to the present invention. The automatic transaction apparatus 10 (hereinafter referred to as an ATM apparatus 10) is realized by a single computer device provided in various input / output devices that realize an ATM function. The ATM device 10 has a CPU 11 as a central processing unit, a memory 12 as a storage device, a LAN control unit 13 that realizes data communication with a branch office or a center server (not shown), and displays transaction information on a display. A video output unit 14 that performs a transaction command from the user, a touch panel control unit 15 that receives a transaction command, an ATM control unit 16 that totally controls various processing units that realize the ATM function, and an advertisement data group 22 together with money transaction information are stored. These are connected in common by a bus.

  Each main processing unit is connected under the ATM control unit 16. In other words, the ATM control unit 16 accepts the user's transaction card, captures data such as an account number and the like, the card processing unit 17 captures data from a form such as a bank passbook inserted by the user, and further displays the transaction result. A bankbook processing unit 18 for writing, a print output unit 19 for printing out a transaction statement slip 60 describing details of a monetary transaction, and a cash deposit / withdrawal for actually depositing / withdrawing money such as banknotes or coins when there is a cash transaction The unit 20 is connected.

  FIG. 2 shows an example of the advertisement data group 22 held in the database 21 of the ATM device 10 in FIG. The advertisement data group 22 is divided and held in a plurality of data sets D1 to D7 according to the balance amount. In the example of FIG. 2, the data set D1 whose balance amount is “0 yen or less”, the data set D2 “1 yen or more and 99 yen or less”, the data set D3 “100 yen or more and 4,999 yen or less”, and “5,000 Data set D4 “10,000 yen or more and 2,999,999 yen or less” data set D5, “3,000,000 yen or more and 9,999,999 yen or less” data set D6, and “10,000,000 yen or more” data set D7 Is done.

  Each of the data sets D1 to G7 stores a plurality of advertisement data. For example, the data set D1 includes account overdraft advertisement data indicating that the balance of the user is 0 yen or less and the advertisement of the overdraft service is appropriate based on the asset status, and further, 〇 × bank advertisement data and ATM Includes fee-guided advertising data. In addition, data set D5 has a considerable amount of assets with a user balance amount of less than 3 million yen, so that asset management advertisements are appropriate. Accumulated time deposit advertisement data, super periodic advertisement data, public charges The account transfer advertisement data, O × bank advertisement data, savings deposit advertisement data, and ATM fee guide advertisement data are stored. With the above storage structure, advertisement data that is determined to be accurate according to the balance amount of the user, that is, the asset status, can be extracted from the advertisement data group 22. Note that each piece of advertisement data is a single piece of data carrying information, and more precisely, an advertisement data piece.

  FIG. 3 shows a processing procedure for executing advertisement data printing in the ATM apparatus shown in FIG. This processing procedure will be described with reference to the components shown in FIG.

  In response to the user's operation, the ATM device 10 executes transaction processing such as deposit refund (step S1). During this process, data for account processing such as inquiry of the user's account number, verification of the PIN, confirmation of the account balance, and withdrawal of the refund amount between the ATM device 10 and the branch office or the center server. Communicated.

  Upon completion of the transaction process, the ATM device 10 receives balance information of the user account as a transaction-related amount together with money transaction information that summarizes the transaction results (step S2). Next, one of the corresponding advertisement data sets D1 to G7 is determined from the advertisement data group 22 based on the balance amount (step S3).

  In the following description, it is assumed that the data set D5 is selected in step S5, for example, when the balance amount is 10,000 yen. Here, the ATM device 10 extracts one advertisement data from the data set, that is, the data set D5 (step S4). For example, it is assumed that “super regular advertisement data” is extracted. In addition, extraction of this one advertisement data is performed by extracting randomly based on a random number, for example. Next, the ATM device 10 compiles the usage statement slip 60 by embedding the money transaction information in the detail column of the usage statement slip 60 and the advertisement data “super regular advertisement data” in the advertisement margin (step S5). Then, the usage statement slip 60 is printed out (step S6).

FIG. 4 shows a print example of the usage statement slip printed out by the ATM device.
This print example shows three cases: (a) the balance amount is -10,000 yen, (b) the balance amount is 60 yen, and (c) the balance amount is 400,000,000 yen. ing. In the case of (a), the money transaction information including the balance amount is printed in the detail column 61 of the usage statement slip 6 and the account overdraft advertisement data is printed in the advertisement column 62. Since the deposit balance is insufficient, it can be seen that the account overdraft service is selected as an accurate advertisement. In the case of (b), the money transaction information including the balance amount is printed in the detail column 61 of the usage statement slip 6 and the O × bank advertisement data is printed in the advertisement column 62. Further, in the case of (c), money transaction information including the balance amount is printed in the detail column 61 of the usage statement slip 6 and super regular advertisement data is printed in the advertisement column 62. Since the balance of the ordinary deposit is high, it can be seen that the advertisement for the time deposit is made as an accurate advertisement. The advertisement data may be printed on the usage statement slip 60 and displayed on a display screen such as a display.
<Second embodiment>
FIG. 5 shows a second embodiment of the present invention and shows the configuration of the entire automatic transaction system including the automatic transaction apparatus according to the present invention. A plurality of ATM devices 10, 10 ′, 10 ″ are connected to the store server 40 via the LAN 30. The LAN 30 is a local area network that is deployed in a branch office facility. The store server 40 is a server device that accommodates a plurality of ATM devices 10, 10 ′, 10 ″ deployed in the store. The branch store server 40 holds a database 41 including advertisement data 42 together with money transaction information.

  Each of the ATM devices 10, 10 ′, 10 ″ has the same configuration as that of the first embodiment and has a data communication function for performing data communication with the branch office server 40 via the LAN 30. Each of the ATM devices 10, 10 ′, 10 ″ downloads the advertisement data group 42 from the sales office server 40 in response to power-on, and then uses the advertisement data group 41 as its own advertisement data group 22 in the database. 21 is stored and held. Thereby, the branch office server 40 can distribute the advertisement data 42 in common to the plurality of ATM devices 10, 10 ′, 10 ″. On the other hand, each of the ATM devices 10, 10 ′, 10 ″ can print out the latest advertisement data from the appropriately updated advertisement data group 21. In this embodiment, the automatic transaction system is shown as including three ATM devices. However, the automatic transaction system may include many more ATM devices.

  As is clear from the plurality of embodiments described above, according to the automatic transaction apparatus and system of the present invention, there is a configuration in which advertisement data that is changed according to the balance amount is printed on a usage statement and provided to the user. Given. This is different from the temporary advertisement on the display, and the advertisement is printed on the usage statement slip so that the user can be notified more effectively. In addition, it is possible to meet the needs of the user by selecting and displaying an accurate advertisement according to the balance amount of the user account, that is, the asset status of each user. In addition, one advertisement data to be printed may be configured such that one advertisement data is randomly selected from a large number of advertisement data divided into groups, that is, data sets corresponding to the balance amount. Thereby, it becomes possible for a user to see different advertisement data every time the automatic transaction apparatus is used, and the advertisement effect can be further enhanced.

  Although the form of printing the advertisement data on the usage statement slip is shown here, the medium for printing the advertisement data may be any printable medium. For example, when a bankbook carryover occurs in a transaction of bankbook entry Also, it is possible to print advertisement data in the last page margin of the passbook according to the balance amount.

  In the above embodiment, the description has been made mainly assuming an automatic transaction apparatus in a bank. However, the automatic transaction apparatus according to the present invention is not limited to this, and executes an economic transaction and outputs a transaction-related amount. It can be applied to an automatic transaction apparatus of a card company or a financial company that is required. Moreover, although the form which makes the transaction relevant amount which advertisement data respond | corresponds has been shown as a balance amount, it is not restricted to the balance amount of an account, The form made into transaction relevant amounts, such as a card usage amount, is also possible.

It is a block diagram which shows the 1st Example of this invention and shows the structure of the automatic transaction apparatus by this invention. It is a data figure which shows the example of the advertisement data group hold | maintained at the database of the ATM apparatus in FIG. It is a flowchart which shows the process sequence which performs advertisement data printing in the ATM apparatus shown by FIG. It is a form figure which shows the example of printing of the use statement printed out by the ATM apparatus. It is a block diagram which shows the 2nd Example of this invention and shows the structure of the whole system containing the automatic transaction apparatus by this invention.

Explanation of symbols

10 Automatic transaction equipment (ATM equipment)
11 CPU
DESCRIPTION OF SYMBOLS 12 Memory 13 LAN control part 14 Video output part 15 Touch panel control part 16 ATM control part 17 Card processing part 18 Passbook processing part 19 Print output part 20 Money deposit / withdrawal part 21 Database 22 Advertising data group 30 LAN
40 Sales Office Server 41 Database 42 Advertising Data Group 60 Usage Statement D1 to D7 Advertising Data Set

Claims (10)

An automatic transaction apparatus that performs money transactions according to the operation of an operator,
Advertisement data holding means for holding a plurality of pieces of advertisement data each corresponding to the size of the transaction-related amount;
Money transaction execution means for executing the money transaction;
Advertising data extraction means for extracting one of the plurality of pieces of advertising data from a transaction-related amount obtained as a result of execution of the money transaction;
Print output means for printing the contents of the money transaction and printing the advertisement data pieces;
An automatic transaction apparatus comprising:   The advertisement data holding unit holds the plurality of pieces of advertisement data divided into a plurality of groups of advertisement data according to the size of the transaction-related amount, and the advertisement data extraction unit stores the money transaction And determining one of the plurality of pieces of advertising data pieces according to the transaction-related amount obtained as a result of executing and extracting one piece of the advertising data pieces from the determined pieces of advertising data pieces. Item 1. An automatic transaction apparatus according to item 1.   3. The automatic transaction apparatus according to claim 2, wherein the advertisement data extracting means randomly extracts one advertisement data piece from the determined advertisement data piece group.   2. The automatic transaction apparatus according to claim 1, further comprising display means for displaying the extracted advertisement data piece on a display screen.   The automatic transaction apparatus according to claim 1, wherein the transaction-related amount is a balance amount. An automatic transaction system including at least one automatic transaction device that makes a money transaction according to an operation of an operator, and a server device connected to the automatic transaction device,
The server device includes: advertisement data holding means for holding a plurality of pieces of advertisement data pieces each corresponding to a transaction-related amount of money; and advertisement data for transmitting the plurality of pieces of advertisement data pieces to each of the automatic transaction devices. Including transmission means,
Each of the automatic transaction apparatuses includes: a monetary transaction executing unit that executes the monetary transaction; and an advertisement data extraction that extracts one of the plurality of pieces of advertisement data from a transaction-related amount obtained as a result of executing the monetary transaction An automatic transaction system comprising: means; and print output means for printing the contents of the money transaction and printing the advertisement data piece.   The advertisement data holding means of the server device holds the plurality of pieces of advertisement data pieces grouped into a plurality of pieces of advertisement data according to the size of the transaction-related amount, and each of the automatic transaction devices The advertisement data extracting means determines one of the plurality of advertisement data pieces according to the transaction-related amount obtained as a result of execution of the money transaction, and one advertisement data piece from the determined advertisement data pieces The automatic transaction system according to claim 6, wherein: is extracted.   8. The automatic transaction system according to claim 7, wherein the advertisement data extracting means randomly extracts one advertisement data piece from the determined advertisement data piece group.   7. The automatic transaction system according to claim 6, further comprising display means for displaying the extracted advertisement data piece on a display screen.   The automatic transaction system according to any one of claims 6 to 9, wherein the transaction-related amount is a balance amount.

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