JP2006330823A - Commodity sales system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a customer to surely purchase a commodity and a commodity sales company to prevent a situation wherein information of commodity sales registered in a supply computer is invalidated. <P>SOLUTION: When the customer selects a commodity and applies its purchase in an ATM 1, a host computer 10 creates a temporary storage account and performs payment of the commodity price from the customer's account to the temporary storage account. When the commodity sales procedure in the supply computer 20 is completed, and the report thereof is transmitted to the host computer 10, the host computer 10 withdraws the commodity price from the temporary storage account and transfers it to the account of the sales company. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a merchandise sales system that sells merchandise to customers using a customer operation terminal such as an automatic transaction apparatus installed in a financial institution or the like.

Conventional automatic transaction devices (hereinafter referred to as ATMs) installed in financial institutions have been used for deposits and withdrawals into customer accounts and transfers to other people's accounts. Since an arbitrary image can be displayed, an advertisement of a financial product is displayed on a display unit such as an LCD during a transaction process such as deposit / withdrawal.
In addition, some financial institutions not only display advertisements on the screen of the ATM display unit, but also when customers apply for purchases of financial products by operating the touch panel (input unit) on the spot. A system has been introduced that accepts and confirms the payment of financial products and sells financial products.

An example of such a commodity system is as follows.
First, when a customer selects, for example, a balance inquiry on the transaction selection screen displayed on the ATM display unit, inserts a card, and enters a password, customer information such as an account number read from the card, and A balance inquiry request is sent to the host computer together with the personal identification number, the customer's account is retrieved by the host computer, and identity verification and account balance confirmation based on the personal identification number are performed.

As a result, if the balance is more than the reference amount, the time deposit information guide is edited by the host computer, added to the corresponding account balance, and sent to the ATM as balance inquiry result information.
In ATM, when balance inquiry result information is received from the host computer, the balance is displayed on the display unit, and when a time deposit information guide is added to the balance inquiry result information, a key for inquiring whether to shift to a time deposit transaction. When the customer selects the key to shift to the fixed deposit transaction on the touch panel, the fixed deposit transaction is performed (for example, see Patent Document 1).
JP-A-10-31709 (paragraphs “0011” to “0018”, FIGS. 1 to 4)

However, the conventional techniques described above have the following problems.
In other words, in the product sales system described above, the products to be sold were previously limited to financial products sold only by financial institutions where ATMs are installed, but recently, the amount of money handled by companies in different industries is related. Sales of products such as large securities, investment trusts, and insurance have become possible.

  For sales of such products as securities, investment trusts, and insurance, a host computer of a financial institution is connected to a supply computer provided at a product sales company such as a securities company or insurance company, and the product is displayed at an ATM. The purchase request information is sent to the supply computer from the host computer after confirming the customer's account balance on the host computer in response to the purchase request from the ATM. A series of processing methods are considered in which the product sales procedure is performed with a computer and the result is notified to the host computer, and the host computer withdraws the product price from the customer's account and deposits it into the product sales company's account. In the case of the supply computer, the customer information such as identity verification and the products sold Such as registration of customer information, there is a case in which time to complete product sales procedures in because there are a lot of processing content is applied.

  For this reason, immediately after the product purchase application information is sent from the host computer to the supply computer, it is deducted from the customer's account due to a different requirement from the product purchase. Despite the completion of the procedure, the product price has been withdrawn from the customer's account, making it impossible to deposit into the sales company's account, resulting in the customer being unable to purchase the product, There is a risk that the sales company may have problems such as having to invalidate the sales information registered in the supply computer.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention includes a customer operation terminal operated by a customer, a host computer that holds an account of the customer and the product sales company, and stores customer information such as the name and address of the customer who holds the account, and a product sales company A product sales system comprising a supply computer that manages information on products to be sold, wherein the customer operation terminal displays information on products sold by the product sales company on a display unit and allows a customer to select a product to purchase. Control means for controlling the selected product information to be transmitted to the host computer together with the account information acquired from the customer transaction medium as product purchase application information, and the host computer applies the product purchase application from the customer operation terminal. Upon receipt of information and account information, create a temporary storage account and purchase products from the customer's account to the temporary storage account When transferring money, sending customer information such as the customer's address and name registered in advance to the product purchase application information to the supply computer, and receiving from the supply computer sales procedure completion information for the product purchase application Control means for controlling to transfer the product purchase price from the temporary storage account to the account of the sales company, and the supply computer receives the product purchase application information and customer information from the host computer, and purchase application product information And control means for controlling the customer information to be registered in the registration section and to transmit the sales procedure completion information for the product purchase application to the host computer.

  In the present invention as described above, when the customer selects a product at the customer operation terminal and applies for purchase, the product price is temporarily transferred from the customer's account and stored until the product purchase procedure is completed on the host computer. A temporary storage account is created, the product price is deposited from the customer's account to this temporary storage account, and when the product sales procedure on the supply computer is completed, the product price is withdrawn from the temporary storage account to the sales company account Since payment is made, it is possible to secure the product price even if the product sales procedure takes time on the supply computer of the product sales company, which enables customers to purchase the product reliably. The effect that the merchandise sales company can prevent the situation that the merchandise sales information registered in the supply computer is invalidated Obtained.

  Embodiments of a product sales system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a control system of the first embodiment.
As shown in this figure, the product sales system includes an automatic transaction apparatus 1 (hereinafter referred to as ATM 1) installed in a financial institution, a host computer 10 installed in the center of the financial institution, a securities company, an insurance company, etc. Consists of a supply computer 20 installed in a merchandise sales company (or a consignment company commissioned to sell merchandise from a securities company, an insurance company, etc.). The ATM 1 and the host computer 10 are connected by a dedicated line such as online, and the host The computer 10 and the supply computer 20 are connected via a communication line such as the Internet.

  Here, the ATM 1 includes a message for a customer, a message for operation guidance, a key for inputting information, a display unit 2 such as an LCD for displaying information input by the key, and the like for the customer to perform a key input operation. An input unit 3 such as a touch panel provided on the display unit 1, a control unit 4 that performs various controls of the ATM 1, a storage unit 5 that stores information input from the input unit 2 or the like or information received from the host computer 10. A communication control unit 6 that performs communication with the host computer 10 is provided.

In addition, the control unit 4 handles transactions with the transaction definition unit 7 and the host computer 10 in which each transaction that can be processed, such as a deposit transaction, a payment transaction, an inquiry transaction, a book transaction, a transfer transaction, and an investment trust transaction, is defined. A host cooperation controller 8 is provided for synchronizing the contents of the stored data.
Although not shown in the figure, the ATM 1 has a card reader / writer for reading account information including an account number and balance, and a balance writing update for a customer's cash card (transaction medium), and a passbook for writing to the passbook. The control unit includes a bookkeeping machine, a banknote depositing / withdrawing machine for depositing / withdrawing banknotes, a coin depositing / dispensing machine for depositing / withdrawing coins, and a receipt printer for printing and issuing transaction details on a receipt. 4 controls the operations of the card reader / writer, passbook / book entry machine, banknote depositing / dispensing machine, coin depositing / dispensing machine, receipt printer and the like based on the definition of the transaction definition unit 7 when executing the transaction selected by the customer. ing.

The storage unit 5 stores product names of products to be sold, product codes, prices, sales company information, etc. sent in advance from the supply computer 20 via the host computer 10.
The host computer 10 includes a display unit 11 such as an LCD for displaying a message to an administrator who manages the host computer 10, an input unit 12 such as a keyboard for the administrator to input information, and various controls of the host computer 10. A control unit 13 that performs communication, a storage unit 14 that stores information input from the input unit 11 and information received from the ATM 1 or the supply computer 20, and a communication control unit 15 that performs communication with the ATM 1 or the supply computer 20. It has been.

The control unit 13 is provided with a bill processing subsystem 16, a customer information subsystem 17, an ATM linkage control unit 18, and a supply computer linkage control unit 19.
The account processing subsystem 16 is provided with subsystems in which data necessary for transactions is stored for each transaction type, such as a deposit subsystem, a transfer subsystem, an investment trust subsystem, and the like. Consists of multiple subfiles.

The sub-file of the deposit subsystem stores the account number and account balance for each customer who has opened an account with the financial institution.
In addition, in the subsystems related to product sales such as investment trust subsystems, in addition to product names of products to be sold, product codes, prices, product information such as sales companies, etc., communication company information of sales companies is stored (registered) )

The customer information subsystem 7 includes a plurality of inquiry subsystems that store (register) data related to account information such as personal information such as each customer's address, name, and telephone number, and account number and personal identification number (biological information). These subsystems are further composed of a plurality of subfiles.
The ATM cooperation control unit 18 performs control to synchronize the contents of data handled with the ATM 1, and the supply computer cooperation control unit 19 performs control to synchronize the contents of data handled with the supply computer 20. .

  The supply computer 20 includes a display unit 21 such as an LCD for displaying information and messages related to product sales to operators of securities companies and insurance companies, an input unit 22 for an operator to perform input operations, and a control unit for performing various controls of the supply computer 20. 23, a storage unit 24 for storing information input from the input unit 22 and information received from the host computer 10, and a communication control unit 25 for performing communication with the host computer 10 are provided.

Also, the control unit 23 handles the product name, product code, sales price, sales period, sale availability, etc. of the product sold at the ATM 1 with the product definition unit 26 and the host computer 10 that define whether or not to sell. A host cooperation control unit 27 is provided for performing control to synchronize the contents of existing data.
FIG. 2 is a flowchart showing the operation of the above-described configuration. Product purchase will be described according to the step indicated by S in this figure.

  The display screen 2 of ATM 1 displays a menu screen in which transaction names that can be handled are arranged. After the customer operates the input section 3 to select a product purchase transaction in the menu screen (S1), the display screen When the cash card is inserted into the card reader / writer in accordance with the operation guide displayed in 2, the customer account information including the account number is read by the card reader / writer and stored in the storage unit 5.

Subsequently, when the customer inputs the personal identification information according to the operation guidance displayed on the display unit 2, the personal identification information is stored in the storage unit 5.
The personal identification information includes biometric information such as fingerprints, vein patterns, and iris patterns in addition to the personal identification number. However, since these input means and input methods are known, the description thereof is omitted.

When the personal identification information is input, the control unit 4 takes out the product information of the securities sold, the investment trust, the insurance, etc. from the storage unit 5, and displays the list of the product information on the display unit 2 (S2). .
Here, when the customer makes an application for purchase by operating the input unit 3 and selecting a product desired to be purchased from products such as securities, investment trusts, and insurance (S3), the product of the selected product The name, amount, product code, etc. are transmitted from the ATM 1 to the host computer 10 through the communication control unit 6 together with the account information and the identity verification information as purchase application information (S4).

In the host computer 10, when the communication control unit 15 receives the product purchase application information, the account information, and the identity verification information from the ATM 1, these pieces of information are stored in the storage unit 14.
And the control part 13 searches the account information of the said customer registered in the customer information subsystem 17 based on the said account information, The identity verification information contained in the account information and the identity verification information received from ATM1 In addition to verifying the identity and confirming the account balance of the customer registered in the deposit subsystem of the account processing subsystem 16 (S5), the balance is added to the product purchase application information received from the ATM1. It is determined whether or not the amount of merchandise is included.

As a result, when the identity verification is not normal, that is, when it is determined that the person is not the account holder, information indicating that the transaction is not possible is sent from the host computer 10 to the ATM 1 through the communication control unit 15. Is displayed on the display unit 2, and the cash card is returned to the customer to end the transaction.
If the account balance is insufficient, information on the shortage amount is sent from the host computer 10 to the ATM 1 through the communication control unit 15 (S6). In this case, in ATM1, a screen for selecting whether to deposit cash more than the shortage amount on the spot or to end the purchase transaction is displayed on the display unit 2, and the customer who sees this screen displays the banknote depositing / dispensing machine or coin depositing / dispensing. If the money is deposited in the money machine, the money amount information is transmitted from the communication control unit 6 to the host computer 10 and the procedure is continued.

  When the identity of the account holder is confirmed by the identity verification and the account balance remains more than the product amount, or when the cash deposit amount information more than the shortage amount is sent, the control unit 13 of the host computer 10 A temporary storage account is provided in the system 16 for temporarily transferring and storing the price of the product (S7), and the price of the product is deducted from the customer's account and deposited in the temporary storage account (S8).

  Thereafter, the control unit 13 searches for the sales company of the product that the customer wishes to purchase from the product subsystem based on the product code, and the customer's address and telephone registered in the customer information subsystem 17 based on the communication destination. Sales in which the customer information such as number and name and the product purchase application information stored in the storage unit 14 are sold through the communication control unit 15 from the host computer 10 together with information that the purchase price has been secured. It is transmitted to the company supply computer 20 (S9).

In the supply computer 20, when the communication control unit 25 receives customer information, product purchase application information, and purchase price securing information, these pieces of information are stored in the storage unit 24.
And the control part 23 takes out the content of the product from the product definition part 26 based on the product code etc. which are contained in the said product purchase application information, and the product content is combined with the customer information, the product purchase application information, and information on securing the purchase price. Is displayed on the display unit 21.

The operator looks at this display content, and sequentially confirms the customer's address, telephone number, name, product name, product code availability, etc., and confirms that the product can be sold. Make input.
As a result, the control unit 23 adds information such as the customer's address, telephone number, name, product name, product code, etc. as sales information, and stores (registers) the information in the storage unit 24 (S10).

When the sales information registration procedure for the product purchase application is completed in this way, a notification of product sales confirmation and a reception number are transmitted from the supply computer 20 to the host computer 10 through the communication control unit 25 (S11).
In addition, when the customer's purchase application product is sold out or does not satisfy the conditions necessary for the customer (annual income, etc.), a notification that the sale (purchase) is impossible is transmitted to the host computer 10.

In the host computer 3, when the communication control unit 15 receives the merchandise sales confirmation notification and the receipt number, they are stored in the storage unit 14, and the control unit 13 deducts the price of the product from the temporary storage account, Payment is made to the corresponding account provided in the deposit subsystem of the account processing subsystem 16, that is, the account of the company that sold the product (S12).
In addition, when a notice that sale is not possible is received, the price of the product is withdrawn from the temporary storage account and re-paid into the account of the customer who applied for the product purchase.

When the deposit to the account to the sales company is completed, information on the completion of the deposit is sent from the host computer 10 to the ATM 1 through the communication control unit 15 together with the receipt number (S13). When the number is received, the control unit 4 displays a message indicating that the purchase procedure is completed on the display unit 2 (S14).
Then, the receipt printer prints the product name, price, receipt number, sales company name, etc. of the product purchased by the customer on the receipt and issues it to the customer, returns the cash card to the customer and ends the transaction.

In this case, securities, insurance policies, etc., which are products purchased by the customer, are delivered to the customer from the sales company at a later date.
In addition, when depositing into the customer's account, information indicating that sales cannot be performed is transmitted from the host computer 10 to the ATM 1 through the communication control unit 15. When the communication control unit 6 receives information indicating that sales cannot be performed in the ATM 1, the control unit 4 displays a message indicating that the sale (purchase) is impossible on the display unit 2. Then, the cash card is returned to the customer and the transaction is terminated.

  As described above, in the first embodiment, when a customer selects a product at ATM 1 and applies for purchase, the host computer 10 temporarily pays the product price from the customer's account until the product purchase procedure is completed. A temporary storage account to be transferred and stored is created, the product price is transferred from the customer's account to this temporary storage account, and when the product sales procedure at the supply computer 20 is completed, the product price is withdrawn from the temporary storage account I'm trying to deposit money into a sales company account.

Therefore, even if the product sales procedure takes a long time in the supply computer 20 of the product sales company, it is possible to secure the price for the product, which enables the customer to purchase the product reliably, and the product sales company Is effective in preventing the occurrence of the situation of invalidating the merchandise sales information registered in the supply computer 20.
FIG. 3 is a block diagram showing a second embodiment of the present invention.

The same parts as those in the first embodiment described above are denoted by the same reference numerals and description thereof is omitted.
The second embodiment is composed of an ATM 1, a host computer 10, a supply computer 20, and a system server 30. The ATM 1 is connected to the system server 30, and the host computer and the system server 30 are connected by dedicated lines such as online. The supply computer 20 and the system server 30 are connected by a communication line such as the Internet.

  In this embodiment, the ATM 1 and the supply computer 20 have the same configuration as that of the first embodiment shown in FIG. 1, but are connected to the system server 30 in place of the host computer 10. Reference numerals 18 and 27 are changed to the system server cooperation control unit, and control to synchronize the contents of data handled with the system server 30 is performed.

In contrast to the configuration of the first embodiment, the host computer 10 includes only the components related to the original transaction performed at ATM1, such as the deposit subsystem and the transfer subsystem, as the subsystem constituting the account processing subsystem 16. It is configured.
The system server 30 includes a display unit 31 such as an LCD that displays a message to an administrator who manages the system server 30, an input unit 32 such as a keyboard on which the administrator performs an input operation, and a control that performs various controls of the system server 30. Communicates with the storage unit 34, ATM1, the host computer 10, and the supply computer 20 for storing the information input from the unit 33, the input unit 34 or the information received from the ATM 1, the host computer 10, and the supply computer 20. A communication control unit 35, an ATM linkage control unit 37 that performs control to synchronize the contents of data handled with the ATM 1, a host computer linkage control unit 36 that performs control to synchronize the contents of data handled with the host computer 10, Data handled with the supply computer 20 Supply coordination controller 38 for performing control to synchronize the contents of are provided.

  In addition, the control unit 33 is further provided with a workflow definition unit 39. In addition to the definition of ATM original transaction procedures such as payment, payment, balance inquiry, passbook entry, and transfer transfer, securities transaction, investment trust transaction, Defines the procedure to be followed when purchasing a product such as an insurance transaction, the product name of the product to be sold, the product code, the price, the sales company, the communication destination information of the sales company, etc. .

In the system of the first embodiment, when an attempt is made to increase the number of products sold to customers at ATM1, for example, when insurance is added as a sales product, an insurance subsystem is installed in the account processing subsystem 16 of the host computer 10. It is necessary to add.
In this case, there are a number of subfiles in the insurance subsystem, and these subfiles may overlap with subfiles in other subfiles, so the data in the files is aligned as they are added. However, in the system of this embodiment, the host computer 10 is not changed, and the workflow definition of the system server 30 is not required to be coordinated with other subsystems. It is only necessary to define a procedure for a new product to be added to the section 39.

FIG. 4 is a flowchart showing the operation of the second embodiment having the above-described configuration. Product purchase will be described in accordance with the steps indicated by S in this figure.
The operation (operation) of the second embodiment having the above-described configuration will be described.
The display screen 2 of ATM 1 displays a menu screen in which transaction names that can be handled are arranged. After the customer operates the input section 3 to select a product purchase transaction in the menu screen (S1), the display screen When the cash card is inserted into the card reader / writer in accordance with the operation guide displayed in 2, the customer account information including the account number is read by the card reader / writer and stored in the storage unit 5.

Subsequently, when the customer inputs identification information (password number, biometric information) according to the operation guidance displayed on the display unit 2, the identification information is stored in the storage unit 5.
When the personal identification information is input, the control unit 4 takes out the product information of the securities sold, the investment trust, the insurance, etc. from the storage unit 5, and displays the list of the product information on the display unit 2 (S2). .

Here, when the customer makes an application for purchase by operating the input unit 3 and selecting a product desired to be purchased from products such as securities, investment trusts, and insurance (S3), the product of the selected product A name, an amount, a product code, and the like are transmitted from the ATM 1 to the system server 30 through the communication control unit 6 together with the account information and the identity verification information as product purchase application information (S4).
In the system server 30, when the communication control unit 35 receives the product purchase application information, the account information, and the identity verification information from the ATM 1, these pieces of information are stored in the storage unit 34, and further, from the workflow definition unit 39 by the control unit 33. The procedure data of the transaction corresponding to the product for which the purchase application has been made is calculated.

Then, communication with the host computer 10 and the supply computer 20 is started based on the procedure data (S5), and the amount information of the product included in the product purchase application information received from the ATM 1, the account information and the identity verification information are communicated. It is transmitted from the control unit 35 to the host computer 10.
In the host computer 10, when the communication control unit 15 receives product price information, account information, and identity verification information from the system server 30, these pieces of information are stored in the storage unit 14.

  And the control part 13 searches the account information of the said customer registered in the customer information subsystem 17 based on the said account information, The identity verification information contained in the account information and the identity verification information received from ATM1 In addition to verifying the identity and checking the account balance of the customer registered in the deposit subsystem of the account processing subsystem 16 (S6), whether the balance is equal to or greater than the amount of the commodity price information Judging.

As a result, when the identity verification is not normal, that is, when it is determined that the person is not the account holder, information indicating that the transaction is impossible is transmitted from the host computer 10 to the system server 30 through the communication control unit 15 and further transferred to ATM1. Is done.
In this case, in ATM1, a message indicating that the transaction is not possible is displayed on the display unit 2, and the cash card is returned to the customer to end the transaction.

If the balance of the account is insufficient, information on the shortage amount together with the balance shortage information is transmitted from the host computer 10 to the system server 30 through the communication control unit 15, and further transferred to ATM1.
In this case, in the ATM 1, a screen that allows the user to select whether to deposit cash more than the shortage amount on the spot or end the purchase transaction is displayed on the display unit 2.

When the customer who sees this deposits a shortage amount into the bill depositing / dispensing machine or coin depositing / dispensing machine, the deposit amount information is sent from the communication control unit 6 to the system server 30 and further from the system server 30 to the host computer 10. It is transferred and the procedure continues.
When the identity of the account holder is confirmed by the identity verification and the account balance remains more than the product amount, or when the cash deposit amount information more than the shortage amount is sent, the control unit 13 of the host computer 10 A temporary storage account is provided in the system 16 for temporarily transferring and storing the price of the product (S8), and the price of the product is deducted from the customer's account and deposited in the temporary storage account (S9).

When payment is completed, the control unit 13 sends the customer information registered in the customer information subsystem 17 such as the customer's address, telephone number, and name from the communication control unit 15 together with information indicating that the purchase price of the product has been secured. It transmits to the system server 30.
In the system server 3, when the communication control unit 35 receives information from the host computer 10, the received information is stored in the storage unit 34.

  And the control part 33 searches the sales company of the goods which the customer wanted to purchase from the workflow definition part 39 based on the product code contained in the product purchase application information memorize | stored in the memory | storage part 14, and based on the communication destination The customer information such as the customer's address, telephone number, and name stored in the storage unit 24 and the product purchase application information are transmitted to the supply computer 20 of the sales company through the communication control unit 35 together with information indicating that the purchase price has been secured. (S10).

In the supply computer 20, when the communication control unit 25 receives customer information, product purchase application information, and purchase price securing information, these pieces of information are stored in the storage unit 24.
And the control part 23 takes out the content of the product from the product definition part 26 based on the product code etc. which are contained in the said product purchase application information, and the product content is combined with the customer information, the product purchase application information, and information on securing the purchase price. Is displayed on the display unit 21.

The operator looks at this display content, and sequentially confirms the customer's address, telephone number, name, product name, product code availability, etc., and confirms that the product can be sold. Make input.
As a result, the control unit 23 adds information such as the customer's address, telephone number, name, product name, product code, etc. as sales information, and stores (registers) it in the storage unit 24 (S11).

When the sales information registration procedure for the product purchase application is completed in this way, a notification of product sales confirmation and a reception number are transmitted from the supply computer 20 to the system server 30 through the communication control unit 25 (S12).
Further, when the customer's purchase application product is sold out or does not satisfy the conditions necessary for the customer (annual income, etc.), a notification that the sale (purchase) is impossible is transmitted to the system server 30.

In the system server 30, when the communication control unit 15 receives the notification of product sale confirmation and the receipt number, it stores them in the storage unit 34, and the control unit 13 deposits the product price to the host computer through the communication control unit 35. Send instructions. In addition, if a purchase disapproval notification is received, an instruction to return the product price is transmitted (S13).
In the host computer 3, when the communication control unit 15 receives the payment instruction notification, the control unit 13 deducts the price of the product from the temporary storage account and is provided in the deposit subsystem of the account processing subsystem 16. Deposit money into the corresponding account, that is, the account of the company that sold the product (S14).

Also, when a notice of return is received, the price of the product is withdrawn from the temporary storage account and re-added to the account of the customer who applied for the product purchase.
When the deposit to the account to the sales company is completed, information on the completion of deposit is transmitted from the host computer 10 to the system server 30 through the communication control unit 15 (S15), and the communication control unit 35 receives the deposit completion information in the system server 30. Then, it is confirmed by the control unit 33 that the procedure based on the workflow is completed.

After that, the reception number is taken out from the storage unit 14 by the control unit 33, and the reception number and completion information are transmitted to the ATM 1 through the communication control unit 35 (S15).
In ATM1, when the communication control unit 6 receives the completion information and the reception number, the control unit 4 displays a message indicating that the purchase procedure is completed on the display unit 2 (S16). Then, the receipt printer prints the product name, price, receipt number, sales company name, etc. of the product purchased by the customer on the receipt and issues it to the customer, returns the cash card to the customer and ends the transaction.

In this case, securities, insurance policies, etc., which are products purchased by the customer, are delivered to the customer from the sales company at a later date.
In addition, when depositing into the customer's account, information to that effect is transmitted from the host computer 10 to the system server 30 through the communication control unit 15, and in the system server 30, the communication control unit 35 deposits into the customer's account. When the completion information is received, the control unit 33 confirms that the procedure based on the workflow is completed.

Thereafter, the control unit 33 transmits information indicating that sales are not possible to the ATM 1. When the communication control unit 6 receives information indicating that sales are not possible in the ATM 1, the control unit 4 displays a message indicating that sales (purchase) are not possible. Then, the cash card is returned to the customer and the transaction is terminated.
As described above, even in the second embodiment, when a customer selects a product at ATM 1 and applies for purchase, the host computer 10 temporarily pays the product price from the customer's account until the product purchase procedure is completed. A temporary storage account is created to be transferred to and stored, and the product price is transferred from the customer's account to this temporary storage account. When the product sales procedure at the supply computer 20 is completed, the product price is withdrawn from the temporary storage account. Since payment is made to the account of the sales company, the product price can be secured even when the product sales procedure takes time in the supply computer 20 of the product sales company. In the same manner as in the embodiment, the customer can surely purchase the product, and the product sales company invalidates the product sales information registered in the supply computer 20. Effect that can prevent a situation from occurring that.

  Further, in the second embodiment, the host computer 10 has only a subsystem related to the original transaction performed at the ATM 1, and when a product purchase such as securities transaction, investment trust transaction, insurance transaction, etc. is performed. The system server 30 holds the product name, product code, price, sales company, communication company information of the sales company, etc. as a workflow in the system server 30. Since the ATM 1, the host computer 10, and the supply computer 20 are connected to each other, if the number of products that can be purchased at the ATM 1 is increased, the product added to the system server 10 without changing the host computer 10. You only need to add a workflow corresponding to the There is also an effect that it is possible to reduce the width.

  In the first and second embodiments described above, the description has been made on the assumption that the customer operates the ATM to apply for the product purchase. However, if the customer can operate the ATM to apply for the product purchase, the ATM 1 For example, an automatic contract machine of an automatic contract system operated by a consumer terminal or a consumer finance, an Internet banking PC, a mobile terminal, or the like can be used as a customer operation terminal.

Block diagram showing the control system of the first embodiment Flow chart showing the operation of the first embodiment Block diagram showing the control system of the second embodiment Flowchart showing the operation of the second embodiment

Explanation of symbols

1 Automatic transaction equipment (ATM)
DESCRIPTION OF SYMBOLS 2 Display part 3 Input part 4 Control part 5 Storage part 6 Communication control part 7 Transaction definition part 10 Host computer 11 Display part 12 Input part 13 Control part 14 Storage part 15 Communication control part 16 Account processing subsystem 17 Customer information subsystem 20 Supply computer 21 Display unit 22 Input unit 23 Control unit 24 Storage unit 25 Communication control unit 26 Product definition unit 30 System server 31 Display unit 32 Input unit 33 Control unit 34 Storage unit 35 Communication control unit 39 Workflow definition unit

Claims (2)

Manages customer operation terminals operated by customers, host computers that hold customer and product sales company accounts and customer information such as the names and addresses of customers who hold accounts, and information on products sold by product sales companies A product sales system comprising a supply computer,
The customer operation terminal displays information on a product sold by the product sales company on a display unit, allows a customer to select a product to purchase, and uses the selected product information as product purchase application information from a customer transaction medium. Control means for controlling to be sent to the host computer together with the acquired account information,
Upon receiving the product purchase application information and the account information from the customer operation terminal, the host computer creates a temporary storage account and transfers the product purchase price from the customer account to the temporary storage account, and the product purchase application Information and customer information such as customer address and name registered in advance are sent to the supply computer, and the product purchase price is sold from the temporary storage account upon receipt of the sales procedure completion information for the product purchase application from the supply computer. It has control means to control to transfer to the company account,
When the supply computer receives the product purchase application information and the customer information from the host computer, the supply computer registers the purchase application product information and the customer information in the registration unit and transmits the sales procedure completion information for the product purchase application to the host computer. A merchandise sales system comprising control means for controlling the operation.
Manages customer operation terminals operated by customers, host computers that hold customer and product sales company accounts and customer information such as the names and addresses of customers who hold accounts, and information on products sold by product sales companies A product sales system comprising a supply computer, and a system server storing a system operation procedure according to transaction contents handled by the customer operation terminal,
The customer operation terminal displays information on a product sold by the product sales company on a display unit, allows a customer to select a product to be purchased, and uses the information on the selected product as product purchase application information from a customer transaction medium. Control means for controlling to transmit to the system server together with the acquired account information,
When the host computer receives the product price and customer account information for the product purchase application information from the system server, the host computer creates a temporary storage account and transfers the product purchase price from the customer account to the temporary storage account. When the customer information such as the registered customer address and name is transmitted to the system server, and the sales procedure completion information for the product purchase application is received from the system server, the product purchase price is sold from the temporary storage account. It has control means to control to transfer to the company account,
When the supply computer receives the product purchase application information and the customer information from the system server, the supply computer registers the purchase application product information and the customer information in the registration unit and transmits the sales procedure completion information for the product purchase application to the system server. Comprising control means for controlling
The system server transmits a product price and customer account information for the product purchase application information received from the customer operation terminal to a host computer, and receives the product purchase application information received from the customer operation terminal and the host computer. A product having control means for controlling to transmit the received customer information to the supply computer and to transmit the sales procedure completion information for the product purchase application received from the supply computer to the host computer Sales system.