JP2007052662A - Automatic transaction system and automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction system and an automatic transaction device, displaying an advertisement screen on the automatic transaction device performing a transaction by operation of a user, and issuing a coupon provided by an advertiser thereof. <P>SOLUTION: This automatic transaction system performing the transaction by the operation of the user has: a coupon management database 6 storing an issuing state of the coupon in each commodity; and an advertisement coupon distribution server 5 having a storage means storing the advertisement screen of the commodity or the like to be displayed on a display part of the automatic transaction device 1, and a communication means transmitting/receiving transaction information. In the automatic transaction system, the advertisement screen of the commodity previously received from the advertisement coupon distribution server 5 is displayed on the display part of the automatic transaction device, and a printer part of the automatic transaction device 1 issues the coupon of the commodity when the advertisement coupon distribution server 5 receiving a telegram indicating that the transaction is completed from the automatic transaction device 1 confirms that the coupon can be issued from the coupon issuing state of the commodity stored in the coupon management database 6. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction system and an automatic transaction apparatus, and more particularly to an automatic transaction system and an automatic transaction that display an advertisement screen on an automatic transaction apparatus that performs a transaction by a user's operation and issue a coupon provided by the advertiser. Relates to the device.

  2. Description of the Related Art In recent years, automatic transaction apparatuses have been installed in stores such as convenience stores, and users can withdraw cash using the automatic transaction apparatus not only during daytime on weekdays but also at night, weekends and holidays. However, when a user conducts a cash withdrawal transaction with an automatic transaction apparatus installed in such a store, even when the withdrawal is made from an account of another financial institution or even from the same financial institution, at night, Saturday, Sunday or A fee is usually charged for withdrawal transactions on public holidays.

Conventional automatic transaction systems and automatic transaction devices prompt users to purchase a product card when a fee is charged for a transaction such as a withdrawal performed by an automatic transaction device installed in a store such as a convenience store. There has been proposed a method in which an amount calculated based on a purchased amount is subtracted from a fee (for example, see Patent Document 1).
JP 2003-248755 A (paragraphs “0010” to “0042”, FIGS. 1 and 2)

  However, in the conventional technology described above, when a fee is generated in a transaction for withdrawing cash with an automatic transaction apparatus installed in a store, the fee is reduced if the user purchases a product card. When there is a situation such as a low frequency of using a product card to be purchased, there is a problem that the purchase rate is refrained and it is difficult to receive a service that reduces the fee, and the usage rate of the automatic transaction apparatus is not improved.

Thus, if the utilization rate of the automatic transaction apparatus installed in the store is not improved, there is a problem that the store manager has little merit of installing the automatic transaction apparatus.
In addition, when issuing a product card with an automatic transaction device, it is necessary to pay out the product card corresponding to the amount selected by the user from the product card storage unit and transport it to the user. There is a problem that it takes time for transactions such as withdrawals.

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

  Therefore, the present invention includes a display unit that displays a transaction screen for guiding a user's operation, an operation unit that accepts input of transaction information for performing a transaction such as cash withdrawal by a user's operation, and a user. A card reader unit for reading account information such as an account number from the card inserted by the card, and transmitting and receiving information such as input of transaction information and the read account information to the host computer and reception of transaction permission from the host computer. In an automatic transaction system that includes an automatic transaction apparatus having a communication unit to perform and a printer unit that issues a statement that prints permitted transaction details, the coupon issue status for each product is displayed Stored coupon management database, storage means for storing advertisement screens of the products etc. to be displayed on the display unit of the automatic transaction apparatus, transaction information An advertisement coupon distribution server having a communication means for performing transmission / reception, and displaying an advertisement screen of a product received in advance from the advertisement coupon distribution server on the display unit of the automatic transaction apparatus, and that the transaction from the automatic transaction apparatus has ended. When the advertisement coupon distribution server that has received the message confirms that the coupon can be issued from the coupon issue status of the product stored in the coupon management database, a message instructing the automatic transaction apparatus to issue the coupon for the product is transmitted. In addition, the printer unit of the automatic transaction apparatus that has received the electronic message issues a coupon for the product.

In the present invention as described above, when a transaction such as cash withdrawal is performed with an automatic transaction apparatus installed in a store or the like, a user can purchase a product at a discounted price or free of charge, and the utilization rate of the automatic transaction apparatus is improved. The effect of doing is obtained.
If the usage rate of the automatic transaction apparatus can be improved in this way, it is possible to alleviate the congestion at the window of the financial institution, and the store manager can also improve the sales.

  Furthermore, the effect that the transaction such as cash withdrawal performed by the user with the automatic transaction apparatus can be performed in a short time is obtained.

  Embodiments of an automatic transaction system and an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of an automatic transaction system in the present embodiment.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a store such as a convenience store. This automatic transaction apparatus 1 is capable of transactions such as cash deposit transactions and withdrawal transactions by user operations, and the advertiser handles some or all of the screens displayed to guide the transaction operations. It can display product advertisements and the like. In addition, a coupon for discounting the price of the product targeted for the advertisement or the like can be issued.

Here, the coupon refers to a voucher that discounts or frees the price of the product handled by the advertiser. The user can use the coupon to purchase the target product at a discount price or the like at a store where the automatic transaction apparatus 1 is installed.
The automatic transaction apparatus 1 is connected to the communication line 2 so as to be communicable.
A host computer 3 is installed in an office center of a financial institution such as a bank that is affiliated with a store. The host computer 3 sends and receives transaction messages such as deposits, withdrawals and transfers to and from the automatic transaction apparatus 1 via the communication line 2 to determine whether or not to establish a user transaction and to identify the user. Perform authentication, etc.

  A customer database 4 is provided in the host computer 3. This customer database 4 stores the user's account number, age, gender, products purchased in the past, hobbies and luxury items in association with each other, searches based on the user's account number, and the user is interested. It is possible to extract the classification of products considered to be, for example, the classification of products such as clothing, sports equipment, and books.

  Reference numeral 5 denotes an advertisement coupon distribution server, which is installed in a store office center or the like, and includes a database for managing advertisement images displayed on the display unit of the automatic transaction apparatus 1 and coupon issuance. This advertisement coupon distribution server 5 is a computer provided with calculation and control means such as a CPU (Central Processing Unit), storage means such as a magnetic disk and semiconductor memory, and communication means.

It is assumed that an advertisement image displayed on the display unit of the above-described automatic transaction apparatus 1 is stored in the storage unit for each classification of products such as clothing, sports equipment, and books.
A coupon management database 6 is provided in the advertisement coupon distribution server 5. The coupon management database 6 manages the remaining number of coupons that can be issued for each product handled by the advertiser, and stores the product code and the coupon issuable number in association with each other.

When the number of coupons that can be issued for each product stored in the coupon management database 6 becomes zero, the coupon for the product cannot be issued.
Reference numeral 7 denotes an advertiser, which is a company that sells products handled in stores. Note that the advertiser 7 displays an advertisement on a display unit of the automatic transaction apparatus 1 at a financial institution or the like, and makes an application in advance to use this service for issuing a coupon for a target product of the advertisement.

FIG. 2 is a block diagram showing the configuration of the automatic transaction apparatus in this embodiment.
In FIG. 2, 21 is a user operation display unit, which is composed of a display unit such as a CRT (Cathode Ray Tube) or a liquid crystal display, and an operation unit in which a touch panel or the like is arranged on the display unit. An input operation or the like is performed by touching a displayed button or the like.

  A card reader printer unit 22 reads information such as an account number from the magnetic stripe of the card inserted by the user through the card insertion / ejection slot and the IC chip of the IC card, and writes information. Furthermore, the contents of the transaction performed by the user's operation are printed on the statement slip, and the statement slip is conveyed through the statement slip conveyance path and discharged to the statement slip discharge port. The user receives the discharged slip.

  In addition, the card reader printer unit 22 can issue a coupon printed with a statement or the like indicating that a target product for advertisement can be purchased at a discounted price. In addition, this coupon may be issued as a coupon ticket separately from the statement slip printed on the contents of the transaction performed by the user's operation, and it is a coupon on a part of the statement slip printed on the transaction details It is also possible to issue a ticket by printing the wording or the like.

  Reference numeral 23 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine, and performs deposit / withdrawal processing of banknotes and coins. Here, the deposit processing means that banknotes inserted by the user into the banknote depositing / dispensing port are counted by the banknote depositing / dispensing machine and stored in the safe, and the coins inserted into the coin depositing / dispensing port are counted by the coin depositing / dispensing machine. It is to be stored in. Withdrawal processing, banknotes and coins corresponding to the amount specified by the user's operation are sent out from the banknote depositing and dispensing machine and coin depositing and dispensing machine safes, respectively, and transported to the banknote depositing and dispensing slot and coin depositing and dispensing slot. And paying out to users.

In addition, although a present Example demonstrates by what was comprised with the banknote depositing / withdrawing machine and the coin depositing / withdrawing machine, it may be comprised only with the banknote depositing / withdrawing machine.
A control unit 24 is based on software stored in a storage unit 241 configured of a memory or the like for the operation of the entire automatic transaction apparatus 1 including the user operation display unit 21, the card reader printer unit 22, and the deposit / withdrawal unit 23. Control.

Reference numeral 242 denotes a communication unit that performs control to communicate with the host computer 3 and the advertisement coupon distribution server 5 through the communication line 2.
Reference numeral 243 denotes a coupon issuance processing unit. The communication unit 242 receives a message instructing the issuance of a coupon from the advertisement coupon distribution server 5, edits the content to be printed on the coupon face according to the instruction, and sends it to the card reader printer unit 22. A command to issue a coupon is issued.

The operation of the above configuration will be described.
FIG. 3 is a flowchart showing the coupon issuing process in the present embodiment, which will be described in accordance with steps represented by S.
The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).

S1: When a transaction selection button such as “cash withdrawal” or “cash deposit” on the transaction selection screen displayed on the user operation display unit 21 of the automatic transaction apparatus 1 is pressed by the user, The control unit 24 of the automatic transaction apparatus 1 starts the corresponding transaction.
When the transaction is started, the control unit 24 transmits a message indicating that the transaction has been started to the advertisement coupon distribution server 5 via the communication unit 242.

  S2: The advertisement coupon distribution server 5 that has received the message indicating that the transaction has started reserves the issue of the coupon. That is, the advertisement coupon distribution server 5 searches the coupon management database 6 based on the product code of the product for which the coupon is issued, and extracts the coupon issuable number. The number of issued coupons is subtracted from the extracted coupon issuable number, and if the subtracted coupon issuable number is 0 or more, the reserved information is stored in the coupon management database 6. In this way, the advertisement coupon distribution server 5 reserves the issue of coupons.

It should be noted that if the number of coupons to be issued is subtracted from the extracted number of coupons that can be issued, the coupon cannot be issued if the number of coupons that can be issued is less than 0.
S3: When the automatic transaction apparatus 1 starts a transaction, the user operation display unit 21 of the automatic transaction apparatus 1 displays the advertisement screen of the product received from the advertisement coupon distribution server 5 in advance as shown in FIG. It displays in the advertisement display area 31 which is a part of the cash payment transaction screen.

  Here, the automatic transaction apparatus 1 transmits the account number of the user read from the card inserted by the card reader printer unit 22 to the host computer 3, and the host computer 3 searches the customer database 4 based on the received account number. Then, the product category that the user is considered to be interested in is extracted, and the product category is transmitted to the advertisement coupon distribution server 5. The advertisement coupon distribution server 5 that has received the classification of the product extracts an advertisement related to the classification of the product, transmits the advertisement to the automatic transaction apparatus 1, and displays the advertisement on the user operation display unit 21 of the automatic transaction apparatus 1. Also good.

S4: When the transaction performed in the automatic transaction apparatus 1 is completed by the user's operation, the control unit 24 transmits a message indicating that the transaction is terminated to the advertisement coupon distribution server 5 via the communication unit 242.
S5: The advertisement coupon distribution server 5 that has received the message indicating that the transaction is completed indicates that the coupon is in stock as a result of the coupon issuance reservation performed in S2, that is, the coupon issuable number subtracted in S2 is 0 or more. It is determined whether or not.

S6: When the advertisement coupon distribution server 5 determines that the coupon can be issued, the advertisement coupon distribution server 5 stores the coupon issuable number subtracted in S2 in the coupon management database 6 and commits that the coupon has been issued.
S7: The advertisement coupon distribution server 5 transmits a message for instructing to issue a coupon to the automatic transaction apparatus 1. The electronic message instructing to issue this coupon includes, for example, the name of a product targeted for the coupon, the number of tickets issued, and the like.

S8: On the other hand, if the advertisement coupon distribution server 5 determines in S5 that the coupon cannot be issued, it transmits a message to the automatic transaction apparatus 1 instructing to display a service end screen including a message indicating that the service has ended.
S9: The coupon issue processing unit 243 of the automatic transaction apparatus 1 that has received a message for instructing to issue a coupon or a message for instructing to display a service end screen is a message for instructing that the received message issues a coupon. Make sure that

S10: Upon confirming that the message received by the coupon issue processing unit 243 is a message for instructing to issue a coupon, the coupon issue processing unit 243 edits the text to be printed on the ticket surface of the coupon to be issued and the user. The operation display unit 21 displays a coupon issuance screen including a wording that a coupon is being issued.
S11: Also, the card reader printer unit 22 prints the designated number of coupons for the designated product as shown in FIG. In addition, as shown in FIG. 5, an advertiser's advertisement may be printed in the advertisement print area 32 and issued for a part of this coupon.

S12: On the other hand, when it is confirmed that the received message is a message instructing to display the service end screen, the user operation display unit 21 displays a service end screen including a message indicating that the service is ended.
In this way, coupon issue processing is performed.
In this embodiment, the advertiser 7 and the advertisement coupon distribution server 5 are described as one, but a plurality of advertisers 7 and the advertisement coupon distribution server 5 may exist. In this case, the advertiser 7 or the like may be divided for each region to provide this service.

As explained above, in this embodiment, when a transaction such as cash withdrawal is performed with an automatic transaction apparatus installed in a store or the like by issuing a coupon with an automatic transaction apparatus, users including elderly people and children are The product can be purchased at a discounted price or free of charge, and the effect of improving the usage rate of the automatic transaction apparatus can be obtained.
If the usage rate of the automatic transaction apparatus can be improved in this way, it is possible to alleviate the congestion at the window of the financial institution, and the store manager can also improve the sales.

  Furthermore, the advertiser can use the screen of an automatic transaction apparatus used by an unspecified number of persons as one of the advertising media, so that an effect of promoting sales in combination with a product campaign can be obtained. In addition, there is also an effect that it is not necessary to issue a coupon ticket such as a campaign product that has been conventionally printed and issued on dedicated paper.

Block diagram showing the configuration of the automatic transaction system in the present embodiment The block diagram which shows the structure of the automatic transaction apparatus in a present Example. The flowchart which shows the coupon issue process in a present Example Illustration of cash payment transaction screen in this example Explanatory drawing of the coupon in this example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Communication line 3 Host computer 4 Customer database 5 Advertising coupon delivery server 6 Coupon management database 21 User operation display part 22 Card reader printer part 23 Deposit / withdrawal part 24 Control part 241 Storage part 242 Communication part 243 Coupon issue processing Part

Claims (3)

From a display unit that displays a transaction screen that guides user operations, an operation unit that accepts input of transaction information for transactions such as cash withdrawals by user operations, and a card inserted by the user A card reader unit that reads account information such as an account number, a communication unit that transmits and receives information such as the input transaction information and the read account information to the host computer and the receipt of transaction permission from the host computer, and permission In an automatic transaction system comprising an automatic transaction apparatus having a printer unit that issues a statement slip printed on the transaction details, and performing a transaction by a user operation,
An advertisement having a coupon management database that stores the issue status of coupons for each product, a storage unit that stores an advertisement screen of the product to be displayed on the display unit of the automatic transaction apparatus, and a communication unit that transmits and receives transaction information. A coupon distribution server,
The advertisement screen of the product received in advance from the advertisement coupon distribution server is displayed on the display unit of the automatic transaction apparatus, and the advertisement coupon distribution server that has received the message indicating that the transaction has ended from the automatic transaction apparatus is stored in the coupon management database. When it is confirmed that the coupon issuance is possible from the coupon issue status of the product, a message is sent to the automatic transaction apparatus instructing the issuance of the coupon of the product, and the printer unit of the automatic transaction apparatus that has received the message receives the message. An automatic transaction system characterized by issuing a coupon. In the automatic transaction system of claim 1,
A host computer having a customer database in which an account number possessed by a user and a classification of a product likely to be purchased by the user are stored in association with each other;
The advertisement screen of the product displayed on the display unit of the automatic transaction apparatus,
The host computer that has received the user's account number from the automatic transaction apparatus transmits the classification of products extracted by searching the customer database based on the account number to the advertising coupon server, and the classification of the products received by the advertising coupon server An automatic transaction system characterized in that it is an advertisement screen for a product extracted from storage means based on the above. In an automatic transaction device that performs transactions such as cash withdrawals by user operation,
A coupon issue processing unit that edits the content to be printed on the coupon face according to a message instructing the issue of the coupon of the product received from the host device;
A printer unit that prints the coupon edited by the coupon issue processing unit and issues it to the user;
An automatic transaction apparatus characterized in that an advertisement screen of a product received in advance from a host device is displayed on a display unit of the automatic transaction apparatus, and a coupon of the product is printed and issued to a user.