JP2005339252A - Automatic transaction device display system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve the services to customers with high convenience and operability for respective customers by displaying items to be frequently selected by each customer on a transaction screen, thereby enabling the display of a transaction screen proper to each customer. <P>SOLUTION: This system comprises an automatic transaction device displaying a transaction screen to be operated by a customer for performing a financial transaction; a local server 14-1 communicably connected to the automatic transaction device and storing individual use information of the customer in a storage means; and a server 11 communicably connected to the local server 14-1 and processing the financial transaction performed by operating the transaction screen of the automatic transaction device. The transaction screen displays items to be frequently selected by the customer. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus display system.

  Conventionally, automatic transaction machines such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) have been installed at branches of financial institutions such as banks, credit unions, post offices, etc. Yes. And a customer operates the said automatic transaction apparatus himself and performs financial transactions, such as payment, withdrawal, bankbook entry, balance inquiry, transfer, and transfer (for example, refer to patent documents 1).

In this case, a transaction selection screen is displayed as the first transaction screen on the display device including a touch panel in the customer operation unit of the automatic transaction apparatus. Then, the customer selects, for example, by touching a “withdrawal” key from among selection items as selection means displayed on the display device of the customer operation unit. As a result, a guidance screen for withdrawal is displayed as the next transaction screen on the display device of the customer operation unit. Necessary operations for withdrawal such as inputting, inserting a card such as a cash card, and inserting a passbook are sequentially performed. When the customer performs an operation according to the guidance, a guidance screen for guiding the next operation as a next transaction screen is displayed on the display device. Finally, a lid member of the money transfer port in the customer operation unit is opened, and a medium such as cash, a card, a passbook, or a transaction statement slip is returned. Then, the customer receives the returned medium and ends the financial transaction.
Japanese Patent No. 2766136

  However, in the conventional automatic transaction apparatus, the transaction screen displayed on the display device of the customer operation unit is standardized, the same content is displayed for all customers, and the transition is made in the same order. Therefore, it was not possible to display an appropriate transaction screen according to the customer in an appropriate order. That is, depending on the customer, the frequency of selecting a specific item on a specific transaction screen may be high, but even when such a customer operates an automatic transaction apparatus, the display device of the customer operation unit does not display a screen. A unified transaction screen is displayed, and after passing through several stages of the transaction screen, a specific transaction screen is displayed and a specific item needs to be selected. Therefore, the customer must repeat the same operation every time, which takes time, and is bothersome and inconvenient.

  The present invention solves the above-mentioned conventional problems, and by displaying items frequently selected by the customer on the transaction screen, an appropriate transaction screen can be displayed for each customer, which is convenient for each customer. It is an object of the present invention to provide an automatic transaction apparatus display system that has high performance and operability and can improve service to customers.

  Therefore, in the automatic transaction apparatus display system of the present invention, an automatic transaction apparatus that displays a transaction screen operated by a customer to perform a financial transaction, and is connected to the automatic transaction apparatus in a communicable manner, and the personal use information of the customer Is stored in the storage means, and is connected to the local server so as to be communicable, and a server for processing a financial transaction performed by operating a transaction screen of the automatic transaction apparatus. Display frequently selected items.

  In another automatic transaction apparatus display system of the present invention, the local server further inquires the personal use information of the customer, extracts items that the customer selects frequently, and instructs the automatic transaction apparatus. Send.

  In still another automatic transaction apparatus display system of the present invention, the automatic transaction apparatuses are further grouped, and the local server corresponds to each group of the automatic transaction apparatuses.

  In another automatic transaction apparatus display system of the present invention, an automatic transaction apparatus that displays a transaction screen operated by a customer to perform a financial transaction, and is connected to the automatic transaction apparatus in a communicable manner, and the personal information of the customer is stored. And a server for processing a financial transaction performed by operating a transaction screen of the automatic transaction apparatus, and the transaction screen displays personal information of the customer.

  In still another automatic transaction apparatus display system of the present invention, the transaction screen further displays items of personal information selected by the customer.

  According to the present invention, in the automatic transaction apparatus display system, items that are frequently selected by the customer are displayed on the transaction screen. Therefore, an appropriate transaction screen can be displayed for each customer, convenience and operability are high for each customer, and service for the customer can be improved.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a first diagram showing a configuration of an automatic transaction apparatus display system according to a first embodiment of the present invention, and FIG. 2 is a first diagram showing a configuration of an automatic transaction apparatus display system according to a first embodiment of the present invention. FIG.

  In FIG. 2, 10 is an automatic transaction apparatus display system in the present embodiment. Reference numerals 12a and 12b are automatic transaction devices such as ATMs and CDs installed at branches of financial institutions such as banks, credit unions, post offices, etc., which are operated by customers of the financial institutions themselves. It is a device for conducting financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, and transfer. In addition, when describing the said automatic transaction apparatus 12a and the automatic transaction apparatus 12b integrally, it demonstrates as the automatic transaction apparatus 12. FIG.

  In the present embodiment, the automatic transaction apparatuses 12 are grouped according to the installation location, and the automatic transaction apparatus display system 10 includes a plurality of automatic transaction apparatuses 12 as shown in FIG. Automatic transaction apparatus group 13-1, automatic transaction apparatus group 13-2, and automatic transaction apparatus group 13-3. In addition, when describing automatically the automatic transaction apparatus group 13-1, the automatic transaction apparatus group 13-2, and the automatic transaction apparatus group 13-3, it demonstrates as the automatic transaction apparatus group 13. FIG. In addition, the number of the automatic transaction apparatus group 13 can be arbitrarily set. Here, all of the automatic transaction apparatus group 13-1, the automatic transaction apparatus group 13-2, and the automatic transaction apparatus group 13-3 are used. The automatic transaction apparatus group 13 shall be represented. Moreover, in the example shown by FIG. 1, although the automatic transaction apparatus group 13-1 is comprised from the automatic transaction apparatus 12a and the automatic transaction apparatus 12b, the number of the automatic transaction apparatuses 12 which comprise each automatic transaction apparatus group 13 is shown. Can be set arbitrarily.

  The automatic transaction apparatus 12 can be used for a main store, a branch, etc. of a financial institution, a store of a store such as a convenience store, a supermarket, a department store, a station premises, an underground mall, a city hall, a public facility such as a hospital, a factory, an office, etc. It may be installed in any place, such as a private company, a parking lot, or outdoors such as a roadside. The automatic transaction apparatus 12 may be a multi-function terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, and a facility information guidance function. Good. The customer is a person who opens his / her own account at a financial institution and uses the financial institution, and is generally an individual, but may be a company, an organization, or the like.

  Here, the automatic transaction apparatus 12 is a kind of computer that includes an operation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and operates according to a program. The automatic transaction apparatus 12 includes an input device such as a keyboard and a touch panel, a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display, a voice input device such as a microphone for inputting a customer's voice, a voice It has a customer operation part provided with audio output devices, such as a speaker, for outputting guidance. In addition, in order to make it easy for a customer to perform an operation, the input device is preferably a touch panel that also has a function of a display device.

  The automatic transaction apparatus 12 includes a card processing unit (not shown) that handles cards such as cash cards. Here, the card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to the customer by the financial institution, and information such as the customer's name, account number, PIN number, etc. A magnetic stripe for storing is provided. The member that stores the information may be an IC embedded in a card instead of the magnetic stripe. The card processing unit includes a card slot into which a card is inserted and ejected. In the card slot, a transport device that transports the card and reading information stored in a magnetic stripe or IC of the card. In addition, a recording head such as a magnetic head for overwriting, erasing and the like is provided. It is desirable that the card processing unit can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  Further, the card processing unit has a function of issuing a transaction statement slip. The transaction statement is a piece of paper on which information related to financial transactions performed by the customer, such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit, etc., is printed. Type, transaction amount, etc. are printed. The transaction statement slip may be issued only when the customer desires.

  The automatic transaction apparatus 12 has a passbook entry unit (not shown) for making a book entry in a passbook such as a bankbook. Here, the passbook is a booklet passbook such as a deposit passbook issued by a financial institution to a customer, and records of financial transactions such as deposit, withdrawal, transfer, transfer, remittance, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  The passbook entry unit includes a passbook slot into which a passbook is inserted. In the passbook slot, a transfer device that transports the passbook, a print head that prints a record of the financial transaction on the passbook, and a passbook magnetic field A recording head such as a magnetic head for reading, overwriting and erasing information stored in a stripe or IC is provided.

  Furthermore, the automatic transaction apparatus 12 has a money deposit / withdrawal unit (not shown) that handles banknotes and coins. The money deposit / withdrawal unit receives and counts, ie, counts, the cash deposited by the customer in the financial transaction such as deposit, and pays out a predetermined amount of cash from the cash receiving port in the financial transaction such as withdrawal. The cash receiving port is provided with a shutter that can be opened and closed, and the shutter is opened when paying out cash. The automatic transaction apparatus 12 includes information for identifying whether the name of the financial institution displayed on the customer operation unit is its own bank, another bank, or an affiliated financial institution, and the branch name displayed on the customer operation unit. A database having information specifying whether it is a store or another store is provided.

  Reference numeral 11 denotes a server as a high-order computer of a billing system constructed in a computer system in a financial institution where the customer has opened an account, arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, It has a communication interface and operates according to a program. The server 11 may be constituted by a single computer such as a large general computer, or a plurality of computers connected organically such as a distributed server. It may be one of a plurality of systems constructed in a large computer. The server 11 stores personal information of each customer in the storage means. The personal information is all information including personal authentication information, transaction history, account information, and the like.

  As shown in FIG. 2, a local server 14-1, a local server 14-2, and a local server 14-3 are communicably connected to the server 11. The automatic transaction apparatus group 13-1, the automatic transaction apparatus group 13-2, and the automatic transaction apparatuses 12 constituting the automatic transaction apparatus group 13-3 can communicate with the server 14-2 and the local server 14-3, respectively. It is connected. Note that the local server 14-1, the local server 14-2, and the local server 14-3 will be described as the local server 14 when described in an integrated manner. The number of local servers 14 corresponds to the number of automatic transaction apparatus groups 13.

  The local server 14 includes arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and operates according to a program. The server 11 may be configured by a single computer such as a large general-purpose computer, or may be a combination of a plurality of computers organically such as a distributed server. However, it may be one of a plurality of systems constructed in a large computer.

  In the present embodiment, each automatic transaction apparatus 12 communicates with the server 11 via the local server 14. When the customer inserts a card into the card slot of the automatic transaction apparatus 12 and operates the customer operation unit to input personal authentication information such as a personal identification number, the information stored in the card and the personal authentication information are stored locally. The data is transmitted to the server 11 via the server 14, and the identity of the customer is confirmed by the server 11. Further, when the customer selects an item indicating a service to be used from the transaction selection screen of the customer operation unit, the server 11 receives the selected item via the local server 14 and inquires about the personal authentication information. If it is an available item, it performs the necessary processing as required.

  Further, the local server 14 stores a transaction history as personal use information of the customer in the storage means, acquires customer information for identifying the customer whose identity is confirmed, and stores the transaction history of the customer. With reference to the automatic transaction apparatus 12, a command for displaying a transaction screen for displaying items to be selected by the customer with high frequency on the customer operation unit is transmitted. Therefore, an appropriate transaction screen for each customer can be displayed on the customer operation unit of the automatic transaction apparatus 12. Thereby, convenience and operability for each customer are improved, and service for the customer can be improved. Moreover, since the process for displaying the said transaction screen on the customer operation part of the automatic transaction apparatus 12 is performed by the local server 14, the processing burden of the server 11 does not increase.

  Next, operation | movement of the automatic transaction apparatus display system 10 of the said structure is demonstrated. In addition, the customer operation part of the automatic transaction apparatus 12 shall be a touchscreen which combines the function of an input device and a display apparatus.

  FIG. 3 is a first diagram showing a transaction screen displayed on the customer operation unit of the automatic transaction apparatus according to the first embodiment of the present invention, and FIG. 4 is an illustration of the automatic transaction apparatus according to the first embodiment of the present invention. 2nd figure which shows the transaction screen displayed on a customer operation part, FIG. 5 is 3rd figure which shows the transaction screen displayed on the customer operation part of the automatic transaction apparatus in the 1st Embodiment of this invention, FIG. 6 is a flowchart showing the operation of the automatic transaction apparatus display system according to the first embodiment of the present invention.

  First, a customer starts a financial transaction by operating an automatic transaction apparatus 12 disposed in a sales office of a financial institution or the like, and inserts a card such as a cash card into a card slot of a card processing unit. Then, as shown in FIG. 3, a personal authentication information input screen for inputting personal authentication information such as a personal identification number is displayed on the customer operation unit of the automatic transaction apparatus 12, so that the customer touches the numeric buttons. That is, touch to input personal authentication information.

  Subsequently, when the automatic transaction apparatus 12 transmits the information stored in the card read by the card processing unit and the personal authentication information input by the customer to the server 11 via the local server 14, the server 11 Refers to the customer's personal information stored in the storage means to verify the identity of the customer. When the input personal authentication information is correct and the identity is confirmed, the server 11 transmits a message to that effect to the automatic transaction apparatus 12 via the local server 14. Here, the local server 14 acquires customer information for identifying the customer whose identity has been confirmed from the information stored in the card.

  Subsequently, the local server 14 refers to the transaction history of the customer. That is, the personal use information is inquired. When the storage means of the local server 14 has the customer's personal use information, the local server 14 extracts an item that the customer selects frequently, and displays a transaction screen for displaying the item as a customer operation unit. A command to display the information is transmitted to the automatic transaction apparatus 12. Then, as shown in FIG. 4, the automatic transaction apparatus 12 displays on the customer operation unit a transaction screen that displays items that the customer selects frequently, that is, a transaction screen that gives priority to frequently used items. To do. In the example shown in FIG. 4, a transaction screen for withdrawal is displayed on the customer operation unit. If the customer's personal use information is not stored in the storage means of the local server 14, the automatic transaction apparatus 12 displays a default transaction screen on the customer operation unit as shown in FIG.

  Then, when the customer operates the transaction screen displayed on the customer operation unit, a desired financial transaction is performed, and the process ends.

Next, a flowchart will be described.
Step S1 Identity verification is performed.
Step S2 The local server 14 acquires customer information.
Step S3 The local server 14 inquires about the customer's personal use information.
Step S4: It is determined whether there is customer personal use information. When there is customer personal use information, the process proceeds to step S5, and when there is no customer personal use information, the process proceeds to step S6.
Step S5 The automatic transaction apparatus 12 displays a transaction screen that prioritizes items that are frequently used.
Step S6 The automatic transaction apparatus 12 displays a default transaction screen.
Step S7: Perform financial transaction and end the process.

  As described above, in the present embodiment, the local server 14 refers to the transaction history of the customer, and causes the customer operation unit of the automatic transaction apparatus 12 to display a transaction screen that displays items that the customer selects frequently. It has become. That is, the transaction screen of the automatic transaction apparatus 12 is individually set according to the customer's personal use information. Therefore, since the transaction screen for displaying the item indicating the service that the customer wants to use is displayed without repeating the operation of the customer operation unit, the customer can perform a frequently used service with one touch. Further, since items unnecessary for the customer are not displayed, it is possible to reduce the difficulty of understanding the operation. Thereby, convenience and operability for the customer are improved, and service for the customer can be improved.

  Moreover, since the process for displaying the transaction screen for displaying the item on the customer operation unit of the automatic transaction apparatus 12 is performed by the local server 14, the processing load on the server 11 does not increase. Therefore, the server 11 can respond quickly to requests from customers.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 7 is a diagram showing a configuration of an automatic transaction apparatus display system according to the second embodiment of the present invention, and FIG. 8 is a transaction screen displayed on the customer operation unit of the automatic transaction apparatus according to the second embodiment of the present invention. FIG. 9 is a flowchart showing the operation of the automatic transaction apparatus display system according to the second embodiment of the present invention.

  In the present embodiment, the customer can display the customer's own personal information by operating the transaction screen displayed on the customer operation unit of the automatic transaction apparatus 12. In this case, when the customer operates the transaction screen displayed on the customer operation unit of the automatic transaction apparatus 12, a request for personal information is transmitted to the server 11 via the local server 14, as shown in FIG. . Then, the customer's personal information stored in the storage means of the server 11 is transmitted to the automatic transaction apparatus 12 via the local server 14 and displayed on the customer operation unit.

  First, when the customer operates the automatic transaction apparatus 12 installed in a financial institution or the like, a transaction screen for selecting a desired transaction is displayed as shown in FIG. Then, the customer touches and selects a “personal information display” selection button as an item for requesting personal information surrounded by an oval frame A in FIG. Subsequently, the customer inserts a card such as a cash card into the card slot of the card processing unit. Then, since a personal authentication information input screen for inputting personal authentication information such as a personal identification number is displayed on the customer operation unit of the automatic transaction apparatus 12, the customer touches the numeric buttons, that is, touches the individual to Enter authentication information. Note that when the selection button of “display personal information” is selected, a transaction screen for further selecting items to be displayed from the personal information may be displayed. For example, it may be possible to select the usage status of a service provided by a financial institution such as a transfer history, account information such as a transaction history of a portion not described in the passbook, and the like.

  Subsequently, the automatic transaction apparatus 12 sends the information stored in the card read by the card processing unit and the personal authentication information input by the customer together with the request for personal information via the local server 14 to the server 11. The server 11 refers to the customer's personal information stored in the storage means and confirms the identity of the customer. When the entered personal authentication information is correct and identity verification is performed, the server 11 extracts the customer's personal information from the storage means, and the automatic transaction apparatus 12 via the local server 14. Send to.

  And the customer's personal information received from the server 11 is displayed on the customer operation part of the automatic transaction apparatus 12, and a process is complete | finished.

Next, a flowchart will be described.
Step S11: A personal information request item is selected.
Step S12: The server 11 transmits the customer's personal information.
Step S13 The personal information is displayed on the automatic transaction apparatus 12.

  Thus, in this Embodiment, the customer can operate the automatic transaction apparatus 12 and can display a customer's own personal information. Therefore, the customer can confirm the transfer made by himself / herself, and can grasp the recent transaction history and the like without bringing a bankbook or the like. Thereby, the convenience for the customer is enhanced and the service for the customer can be improved.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a 1st figure which shows the structure of the automatic transaction apparatus display system in the 1st Embodiment of this invention. It is a 2nd figure which shows the structure of the automatic transaction apparatus display system in the 1st Embodiment of this invention. It is a 1st figure which shows the transaction screen displayed on the customer operation part of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 2nd figure which shows the transaction screen displayed on the customer operation part of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 3rd figure which shows the transaction screen displayed on the customer operation part of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus display system in the 1st Embodiment of this invention. It is a figure which shows the structure of the automatic transaction apparatus display system in the 2nd Embodiment of this invention. It is a figure which shows the transaction screen displayed on the customer operation part of the automatic transaction apparatus in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus display system in the 2nd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus display system 11 Server 12, 12a, 12b Automatic transaction apparatus 14, 14-1, 14-2, 14-3 Local server

Claims (5)

(A) an automatic transaction apparatus that displays a transaction screen for a customer to operate and perform a financial transaction;
(B) a local server communicably connected to the automatic transaction apparatus and storing the customer's personal use information in a storage means;
(C) a server that is communicably connected to the local server and processes a financial transaction performed by operating a transaction screen of the automatic transaction apparatus;
(D) The said transaction screen displays the item which the said customer selects with high frequency, The automatic transaction apparatus display system characterized by the above-mentioned. 2. The automatic transaction apparatus display system according to claim 1, wherein the local server inquires of the customer's personal use information, extracts items that the customer selects frequently, and transmits a command to the automatic transaction apparatus. The automatic transaction apparatus display system according to claim 1, wherein the automatic transaction apparatuses are grouped, and the local server corresponds to each group of the automatic transaction apparatuses. (A) an automatic transaction apparatus that displays a transaction screen for a customer to operate and perform a financial transaction;
(B) a server that is communicably connected to the automatic transaction apparatus, stores personal information of the customer in a storage means, and processes a financial transaction performed by operating a transaction screen of the automatic transaction apparatus;
(C) The transaction screen displays the customer's personal information, and an automatic transaction apparatus display system. The automatic transaction apparatus display system according to claim 4, wherein the transaction screen displays items of personal information selected by the customer.

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