JP2007122409A - Trade induction method for client - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To offer a service matching a condition of each client in trade through a cash automatic teller machine and to smoothly induce the client to trade intended by a financial institution. <P>SOLUTION: Information about the trade desired to be performed by the client is stored in a cache card. The information is read in the next transaction for displaying a trade selection screen, in which a selection key for the trade is emphasized, and attention of the client is attracted for making the client carry out the trade. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transaction guidance method for an automatic teller machine installed in a financial institution or the like.

  Conventionally, for solicitation guidance for new financial products from financial institutions to customers at ATMs, guidance instructed by the host in communication during transactions is displayed during the transaction waiting time (during the communication time with the host). It was.

  In the prior art, it is necessary to obtain various information related to a new financial product from the customer side or to make a contracting action only by issuing a guidance to the customer during the transaction or at the end of the transaction. For this reason, new contracts did not progress with solicitation guidance alone, and the marketing effect of solicitation guidance was low.

  In addition to new financial products, even if service functions such as a PIN change function and transaction limit change function are added with an automatic teller machine, the conventional notification method allows customers to make transactions. It was not enough.

  Therefore, it has been a problem to provide a method for guiding a customer to an arbitrary transaction.

  Therefore, in the present invention, information on a transaction to be performed by the customer is stored in the cash card, information on the transaction to be guided when the cash card of the next transaction is inserted is read from the cash card, and a transaction to be performed by the customer is read from the read information. Judgment can be made to change the transaction selection screen display pattern that emphasizes the selection key of the transaction you want the customer to perform and differentiate it from other transaction selection keys to draw the customer's attention and perform the corresponding transaction I can do it.

  In addition, by determining and guiding transactions to be guided based on customer information managed by the host computer, for example, customer information such as account balance, personal identification number, address, telephone number, etc. This can lead to improvement of service.

  According to the present invention, it is possible to provide a service according to the situation of each customer, and the customer can be smoothly guided to a transaction intended by the financial institution.

  Embodiments of the present invention will be described below with reference to the drawings.

  FIG. 1 shows a configuration diagram when applied to an automatic teller machine. The automatic teller machine 1 has a main body control unit 2 for controlling the automatic teller machine 1 and various information to the user of the automatic teller machine 1. A customer operation panel unit 3 for receiving input from a user, a magnetic storage device 4 for storing various information such as programs, and a line connection unit 5 for connecting to a host computer 9 A magnetic card mechanism 6 for reading the information on the cash card, a statement slip printer rear portion 7 for printing the transaction result on the statement slip and issuing it to the user of the automatic teller machine 1, and a user storing the banknote. And a banknote depositing / withdrawing mechanism 8 for dispensing according to the instructions.

  The host computer 9 has a magnetic storage device 10 for storing at least transaction information.

  FIG. 4 is a normal transaction selection screen.

  The transaction selection screen 100 is a screen displayed on the customer operation panel unit 3 when the user selects a transaction to be performed by the automatic teller machine, and includes a transaction selection key 101 that displays the name of each transaction.

  FIG. 5 is a transaction selection screen in which a transaction selection key of a transaction to be guided is emphasized.

  The guided transaction selection screen 200 is a screen displayed on the customer operation panel unit 3 when the customer selects a transaction to be performed by the automatic teller machine when transaction information to be guided to the cash card is stored. The transaction selection key 201 and the arrangement change, the key size change, the key color change, etc. A guidance message display area 202 which is an area for displaying guidance phrases for guidance received and stored in the magnetic storage device 4 and a transaction selection key 203 which displays a transaction name other than the transaction to be guided.

  FIG. 6 shows guidance transaction data instructed from the host computer 9.

  The induction transaction data 300 includes a communication header that matches a communication procedure, and an induction transaction number 301 that is a number uniquely added in advance to a transaction that can be performed by an automatic teller machine. The induction transaction data 300 can be composed of a plurality of induction transaction numbers 301 for one communication header.

  FIG. 7 shows guidance message data instructed from the host computer 9.

  The guidance text data 400 is used when a customer is guided to a transaction corresponding to the guidance transaction number 301, a communication header that matches the communication procedure, a guidance transaction number 301 that is a number uniquely added to a transaction that can be performed by an automatic teller machine, and It is composed of a guidance word 401 that is a word of Note that the guidance message data 400 may be composed of a plurality of guidance transaction numbers 301 and guidance words 401 for one communication header.

  An embodiment of the present invention will be described with reference to the drawings.

  First, the procedure for writing guided transaction information to a cash card will be described.

  FIG. 2 is a flowchart showing the flow of transactions performed in the automatic teller machine 1. The automatic teller machine 1 detects the appearance of the customer by a sensor or the like, and displays a card insertion screen on the customer operation panel 3. To have the customer insert a cash card (S1). The automatic teller machine 1 that accepts the card insertion displays a password input screen on the customer operation panel unit 3 while the magnetic card mechanism unit 6 reads the information stored in the cash card, and Input (S2). The automatic teller machine 1 that has received the input of the personal identification number displays the transaction selection screen 100 on the customer operation panel unit 3, selects an arbitrary transaction from the transaction selection screen on which the customer is displayed, and the corresponding transaction name is displayed. Then, the user waits for the transaction selection key 101 to be pressed (S3), and then inputs information necessary for the transaction from the customer operation panel unit 3 according to the guidance displayed (S4). The automatic teller machine 1 to which all necessary information has been input transmits the input information to the host computer 9 in order to establish a transaction, and receives information on whether the transaction has been established or not (from the host computer 9) ( S5). The automatic teller machine 1 which received the guidance transaction data 300 memorize | stores the received guidance transaction number 301 with respect to the inserted cash card (S6). Various kinds of output processing including return of the cash card storing the guide transaction number 301 is performed, and an arbitrary transaction ends (S7). By the above procedure, the guidance transaction information is stored in the customer cash card, and guidance guidance is possible at the time of the next transaction at the automatic teller machine.

  Next, a transaction guidance method when a cash card storing guidance transaction information is inserted will be described.

  FIG. 3 is a flowchart showing the flow of processing for displaying the guidance screen when the guidance transaction information is stored in the cash card inserted in the automatic teller machine 1. First, along the above-described transaction flow. The automatic teller machine 1 detects the appearance of the customer with a sensor or the like, displays a card insertion screen on the customer operation panel 3 to cause the customer to insert the cash card, and the magnetic card mechanism unit 6 is stored in the cash card. While the information is being read, the password input screen is displayed on the customer operation panel unit 3 to input the password. The automatic teller machine 1 extracts the induction transaction number 301 from the information on the cash card read by the magnetic card mechanism unit 6 (S11). Based on the extracted transaction number 301, the automatic teller machine 1 extracts the guidance word 401 received in advance from the host computer 9 and stored in the magnetic storage device 4 in pairs with the induction transaction number 301 ( S12). The guidance message data 400 including the guidance message 401 is received by the automated teller machine 1 from the host computer 9 periodically, for example, at a fixed time every day. When the guidance text 401 to be paired with the guidance transaction number 301 is determined, the automatic teller machine 1 assigns a transaction name corresponding to the guidance transaction number 301 to the guidance transaction selection key 201 on the guidance transaction selection screen 200. A guide word 401 is set in the guide word display area 202, a trade name other than the guide transaction is assigned to the trade selection key 203, and the completed guide trade selection 200 is displayed on the customer operation panel unit 3 (S13). After that, proceed with the transaction as before, and if the target transaction is selected on the induction transaction selection screen 200, delete the induction transaction number 301 on the cash card, and if there is a new induction transaction, guide it according to the above procedure. To go.

  As described above, in the automatic teller machine, it is possible to provide a service according to the situation of each customer, and to smoothly guide the customer to the transaction intended by the financial institution.

  According to the above embodiment, when the PIN is the same as the phone number, the customer can be guided to the PIN change transaction, or the customer who has a certain balance of ordinary deposits can be guided to the fixed deposit transaction. It becomes possible.

  In the above embodiment, only the induction transaction number is stored in the cash card. However, if a cash card capable of storing a large capacity such as an IC card is used, the guidance word can also be stored in the cash card. It is also possible to display wordings with features.

  Moreover, in the said Example. The customer is guided by changing the transaction selection screen. However, it is also possible to display a guidance screen at the timing of transaction output processing and perform a guided transaction following the previous transaction.

The block diagram of an automatic teller machine. Transaction flow diagram. The flowchart of a guidance transaction selection screen display process. The block diagram of a transaction selection screen. The block diagram of a guidance transaction selection screen. The block diagram of guidance transaction data. The block diagram of guidance wording data.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus, 2 ... Main body control part, 3 ... Customer operation panel part, 4 ... Magnetic memory | storage device, 5 ... Line connection part, 6 ... Magnetic card mechanism part, 7 ... Statement slip printing mechanism, 8 ... Bill entry / exit Gold mechanism, 9 ... host computer, 10 ... magnetic storage device.

Claims (1)

In an automatic cash transaction apparatus installed in a financial institution, etc., the information on the transaction that the financial institution wants the customer to perform in the next transaction is recorded on the cash card inserted by the user. When a cash card is inserted, the transaction information you want to conduct is read from the cash card, and the display content of the transaction selection screen is changed based on the read information, so that the customer can perform the desired transaction. Transaction induction method.

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