JP2008046805A - Automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To shorten the waiting time of a customer who is waiting for ATM by suppressing continuous transactions by customers. <P>SOLUTION: A server 2 counts, every time receiving information showing completion of one transaction from each ATM 1, continuous transactions in the ATM 1 having transmitted the information, and transmits a notice for instructing termination of continuous transaction to the ATM 1 when the continuous transaction count reaches a preset continuous transaction limit or more. The ATM 1 displays, upon receipt of the information instructing termination of continuous transaction from the server 2, a transaction termination request screen with the message on a customer operation display part 12. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic transaction system including a plurality of automatic transaction apparatuses and servers that perform various transactions according to customer operations.

At financial institution branches, etc., automatic transaction equipment that allows customers to perform various transactions is installed in the unmanned corner, but the waiting time of customers waiting in order to use the equipment In order to reduce this, measures are taken to shorten the transaction time especially when the same customer conducts a plurality of transactions continuously.
As such a countermeasure, for example, in Patent Document 1, when performing a plurality of transfer transactions from the same account with an automatic transaction apparatus, the control unit stores the contents of the first transfer transaction, and in the second transfer transaction, the first time. The transaction processing technology is such that it is only necessary to input a different amount of money and transfer destination.

Further, in Patent Document 2, a screen is displayed that allows a transaction to be selected during the printing process for the passbook by the automatic transaction apparatus. When a transaction is selected on the screen, the transaction is selected without discharging the passbook after the printing is completed. In other words, a technique has been shown in which the transaction processing time is reduced by executing the transaction without the trouble of discharging and inserting the passbook for each transaction.
JP 2001-250150 (paragraph “0021” to paragraph “0025”, FIG. 1 and FIG. 9) JP 2005-352743 A (paragraph “0033” to paragraph “0063”, FIG. 1 and FIG. 3)

However, with the above-described conventional technology, although the length of the transaction time itself can be shortened somewhat, if the number of consecutive transactions performed by the customer is large, the waiting time of the customer waiting for the automatic transaction device to become free is reduced. There is a problem of becoming longer.
An object of the present invention is to solve such a problem.

  Therefore, the automatic transaction system of the present invention includes a plurality of automatic transaction apparatuses capable of continuous transaction by operation of a customer, and a server that manages information indicating whether each automatic transaction apparatus is used and the number of continuous transactions. Each time it receives information from each automatic transaction device that informs that one transaction has been completed, it counts the number of continuous transactions of the automatic transaction device that transmitted the information, and the continuous transaction number is set in advance. When the transaction limit number is exceeded, a notification instructing the automatic transaction device to end the continuous transaction is transmitted, and each automatic transaction device receives information instructing to end the continuous transaction from the server. The transaction end request screen including the message is displayed on the display unit.

  In the present invention as described above, when a customer who uses an automatic transaction apparatus is congested, when there is a customer who has made a number of continuous transactions, the transaction ends when a predetermined number of continuous transactions is reached. Since the request screen is displayed to request that the continuous transaction be terminated, the customer's continuous transaction can be suppressed, thereby waiting for the customer waiting for the automatic transaction device to become available. Can be shortened.

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

FIG. 1 is a system configuration diagram showing a first embodiment.
In the figure, reference numeral 1 denotes a plurality of (n) automatic transaction devices (hereinafter referred to as ATMs) installed at unmanned corners of banks or other financial institutions, and various transactions can be performed by customer operations. Continuous trading is possible.
Reference numeral 2 denotes a server installed in the store, which is connected to each ATM 1 via a line such as a LAN, and the server 2 stores cash in the ATM 1 based on cash deposit / withdrawal information sent from each ATM 1. In this embodiment, information for restricting the operation status and the number of continuous transactions of the same customer is managed and managed as a table. The contents of this table will be described later.

Reference numeral 3 denotes a host computer (hereinafter referred to as a host) installed in a financial institution center or the like. A storage unit (database) that stores each customer's name, account number, personal identification number, unrecorded data, and account balance as customer account information. I manage.
A server 2 of each branch office is connected to the host 3 via a dedicated line for online connection to the host 3, whereby each ATM 1 of each branch office is connected to the host 3 that is a host device via the server 2. Information can be exchanged.

FIG. 2 is a block diagram showing the configuration of ATM1.
As shown in this figure, the ATM 1 includes a proximity sensor 11, a customer operation display unit 12, a cash processing unit 13, a card receipt processing unit 14, a passbook printing unit 15, a communication unit 16, a storage unit 17, a control unit 18, and the like. Have.
Here, the proximity sensor 11 is provided substantially in front of the ATM 1 and transmits an ultrasonic wave and receives a reflected wave thereof. The control unit 18 detects a person in addition to detecting a person from the output of the proximity sensor 11. It has a function to detect the distance to a person, approach and separation, and the like.

  The customer operation display unit 12 is disposed in a substantially L-shaped customer service unit formed on the front surface of the ATM 1, and the customer operation display unit 12 includes display means such as a liquid crystal display with the display surface facing upward, By providing a touch panel as an input means arranged on the means, displaying a screen on which a message for guiding a customer's operation is arranged on the display means and various input keys, and touching the input keys from the touch panel, The information defined in the input key can be input, and the input information is displayed.

The cash processing unit 13 includes a banknote deposit / withdrawal unit and a coin deposit / withdrawal unit, and performs a deposit / withdrawal process of cash (banknotes and effects) associated with a transaction.
The card receipt processing unit 14 reads and writes information on a magnetic stripe or the like provided on the customer's card, and also has a function of printing and discharging the transaction contents on the receipt at the end of the transaction. The unit 15 has a function of printing unbooked data or the like in the customer's bankbook printing field.

The storage unit 17 stores input information at the time of transaction, information read from the card, and the like, and also stores a control program for controlling the operation of the apparatus. Further, the storage unit 17 stores a transaction selection screen and each process step in each transaction. A guidance screen, an input screen, and the like are also stored in the storage unit 17.
The control unit 18 controls the proximity sensor 11, the customer operation display unit 12, the cash processing unit 13, the card receipt processing unit 14, the passbook printing unit 15, and the like based on a control program stored in the storage unit 17. It has a function of performing a transaction, and in performing the transaction, it communicates with the server 2 and the host 3 that are higher-level devices via the communication unit 16 to exchange necessary information.

FIG. 3 is a diagram showing an example of the operating status table of ATM 1 held in the server 2.
Each ATM 1 is assigned an identifier such as a machine number, such as # 1, # 2,... #N, and is in use (in trading) or free for each ATM 1, and in the case of trading The number of transactions indicating the number of transactions is recorded as a transaction count.
FIG. 4 is a diagram showing an example of the contents of the table for limiting the number of consecutive transactions held in the server 2. As shown in this figure, for example, the operation of ATM1 is Saturday, Monday through Friday excluding Sunday and the operation date of ATM1. If there is no limit on the number of consecutive transactions up to 9 o'clock, the limit on the number of continuous transactions at 10 o'clock (the number of possible continuous transactions) is 10 times, and the limit on the number of continuous transactions between 11 o'clock and 12 o'clock is 5 times, 3 times the continuous transaction limit number of the time zone, no limit for the 14:00 and 15:00 range, 10 times the continuous transaction limit number of the 16:00 range, 3 times the continuous transaction limit number of the 17:00 and 18:00 range, The number of continuous transaction restrictions is set according to the expected congestion situation for each time zone, such as no restriction after 19:00.

If the ATM 1 is operated on Saturday and Sunday, the continuous transaction limit number can be set for each time zone on Saturday and Sunday.
The operation of the above configuration will be described.
FIG. 5 is a flowchart showing the operation of the first embodiment having the above-described configuration. The procedure for limiting the number of consecutive transactions according to the step indicated by S in this figure will be described below. For example, ATM # 1 is empty. When it is in the state, the control unit 18 of the ATM 1 # 1 determines whether or not the customer is approaching based on the output of the proximity sensor 11 at regular time intervals (S1). repeat.

When the customer approaches, the control unit 18 displays a transaction selection screen on the customer operation display unit 12, and determines whether the customer has selected a transaction on the customer operation display unit 12 within a predetermined time (S2).
If the customer does not select a transaction on the customer operation display unit 12 even after a certain period of time has passed, the user is prompted to make a selection by voice or the like. If the customer selects a transaction, a notification to that effect is sent to the server 2.
When the server 2 receives the notification from the ATM 1, it changes the state of the ATM 1 of # 1 that has transmitted the notification with reference to the operation status table shown in FIG. 3 from “free” to “in use” (S3). At this time, the transaction count has already been cleared to “0”.

The ATM 1 of # 1 inputs necessary information about one transaction selected by the customer, exchanges information with the host 3 via the server 2 and executes the transaction (S4). The details are omitted here.
When one transaction ends, # 1 ATM1 transmits a notification notifying the end of the transaction to server 2, while server 2 waits for a transaction end notification (S4) and sends a transaction end notification from ATM1 of # 1. When received, “1” is added to the transaction count of ATM1 of # 1 in the operation status table (S5).

Subsequently, the server 2 recognizes the current day of the week and time by means of a calendar and timer held by itself, and from the continuous transaction number limit table shown in FIG. ) To determine whether the transaction count number of ATM1 of # 1 is equal to or greater than the continuous transaction limit number (S6).
As a result, if the transaction count number of ATM1 of # 1 is not equal to or greater than the continuous transaction limit number, a notification to that effect is transmitted to ATM1 of # 1.

If the determination result is equal to or greater than the continuous transaction limit number, the server 2 searches for the state of ATM1 other than ATM1 of # 1 in the operation status table (S7), and determines whether there is ATM1 whose state is “free” (S7). S8).
If there is no ATM1 in the “vacant” state, a notification is sent to the ATM1 of # 1 to instruct the current continuous transaction limit number and the continuous transaction to be terminated, and there is an ATM1 in the “vacant” state. Sends a notice to the effect that transaction is possible to ATM1 of # 1.

  If the notification received from the server 2 indicates that the notification received from the server 2 is not more than the continuous transaction limit number or indicates that the transaction can be continued, the customer operation display unit 12 is again transacted. Displaying the selection screen and determining whether or not the same customer has selected the next transaction on the customer operation display unit 12 (S10), but the notification received from the server 2 instructs to end the continuous transaction If so, a transaction end request screen with a message prompting the customer operation display unit 12 to end the continuous transaction is displayed for a certain period of time (S9), and then the transaction selection screen is displayed. It is determined whether or not the next transaction is selected on the customer operation display unit 12 (S10).

  Fig. 6 shows an example of the transaction end request screen at this time. This screen displays "The number of customer's continuous transactions has reached 5", "If the customer is waiting in line, the transaction ends. "Please, please" and a message that prompts you to end continuous transactions, etc. "Relatively open time is 8: 30-10 or 14: 00-16: 00" A guide to guide you to the busy time zone is displayed.

When the next transaction is selected by the same customer, the control unit 18 of # 1 ATM1 returns to S4 and repeats the same processing. However, if the next transaction is not selected, the customer is determined based on the output of the proximity sensor 11. It is determined whether or not the user has left the ATM 1 and whether or not a predetermined time has elapsed when the user has left (S11).
As a result, if the customer has not left the ATM 1 and the fixed time has not elapsed, the process returns to S10 and the same processing is repeated. If the customer has left the ATM 1 and the fixed time has elapsed, the control unit 18 has changed the ATM 1 until now. A notification to that effect is transmitted to the server 2 as the transaction of the occupied customer is completed.

As a result, the server 2 changes the state of the ATM 1 of # 1 in the operation status table shown in FIG. 3 from “in use” to “empty”, and clears the transaction count to “0” (S12).
Similar processing is performed for ATMs # 2 to #n.
As explained above, in the first embodiment, when the customers who use ATMs are congested, if there are customers who have made a number of transactions consecutively, the continuous transaction restriction determined in advance by the time zone When the number of times is reached, the transaction end request screen is displayed to request that the continuous transaction be terminated, so that the customer's continuous transaction can be suppressed, thereby waiting for the ATM to become free. The effect that the waiting time of the customer can be shortened is obtained.

FIG. 7 is a system configuration diagram showing a second embodiment of the present invention.
In the figure, reference numeral 4 denotes a pressure detection mat connected to the server 2 as a waiting customer detection means, which is installed at a place where customers using the ATM 1 form a waiting queue. This pressure detection mat 4 is a waiting customer. Built-in multiple pressure sensors to detect the number of people.
Since the ATM 1, the server 2, and the host 3 are the same as those in the first embodiment, the same reference numerals are given and description thereof is omitted.

The second effect of the above-described configuration will be described.
In the second embodiment, the processes from S1 to S8 shown in FIG. 5 are performed in the same manner as in the first embodiment.
If there is no ATM 1 in the “vacant” state in S8, it is determined whether or not the pressure detection mat 4 is detecting a waiting customer, and if it is detected, the current transaction limit number of times is set to ATM 1 of # 1. A transaction end request screen is displayed with a message instructing the customer operation display unit 12 of # 1 ATM1 to end the continuous transaction in S9. The time is supposed to be displayed.

  Fig. 8 shows an example of a transaction end request screen at this time. This screen displays "The number of customer's continuous transactions has reached 5" and "There are customers waiting in line. “Please wait” 8: 30-10 or 14: with a message saying that there is a customer waiting for the turn, such as “Please,” and prompting to end the continuous transaction. 00-16: 00 "is displayed next time, and guidance for guiding to a relatively busy time zone is displayed.

Thereafter, the processing from S10 to S12 is performed in the same manner as in the first embodiment.
In the second embodiment described above, the same effects as in the first embodiment can be obtained, and since the presence of customers waiting for the turn can be detected by the pressure detection mat, it is determined whether it is necessary to end the continuous transaction. Judgment of the transaction end request screen can be obtained with the effect that the transaction end request screen can be displayed properly and more reliably, and the presence of waiting customers can be detected with the pressure detection mat. Thus, it is possible to forcibly terminate the transaction for a customer who intends to conduct further transactions.

In addition, this invention is not limited to the Example mentioned above.
For example, in the second embodiment described above, the pressure detection mat 4 as the waiting customer detecting means is used to detect waiting customers, but instead of this, for example, a place where the customer forms a waiting queue. It is also possible to install a camera that shoots images, and the server 2 can analyze the images taken by this camera to detect the presence of customers waiting in turn, and to detect customers waiting in turn using an infrared sensor or the like. Is also possible.

Further, in the case of a booth type, it can be changed to the proximity sensor 11 by detecting opening and closing of the door.
In addition, the transaction end request screen is not limited to those shown in FIGS. 6 and 8 described above, and the display content can be changed depending on the case where a passbook entry dedicated machine or a transfer dedicated machine is installed in the sales office. is there.

  FIG. 9 is a diagram showing another example of a transaction end request screen. When a customer makes a passbook entry continuously using a plurality of passbooks, the number of continuous transactions is exceeded. As you can see, there are customers who are waiting for their turn, such as “The number of consecutive transactions of customers has reached 5” and “Please wait for the transaction to end because there are customers waiting in line.” "If you want a large amount of passbook entry, please use a special passbook entry machine. If you have any questions, please contact the lobby staff" As shown in Fig. 9 (b), it is also possible to display guidance to guide to the passbook entry dedicated machine as shown in Fig. 9 (b). As stated, “The number of customer's consecutive transactions is 5 `` Now, there are customers waiting in line, so please close the transaction '' etc. to tell you that there is a customer waiting for the turn and to urge you to end the continuous transaction A message will be displayed along with the message, such as "If you wish to make a large amount of transfer transactions, please use the dedicated transfer machine. If you have any questions, please contact the lobby staff." It is also possible to do.

Furthermore, before displaying the transaction end request screen, a limit number notice screen for notifying that there is a limit number of continuous transactions may be displayed.
FIG. 10 is a diagram showing an example of the limit number notice screen in that case.
For example, when the number of continuous transactions based on the setting contents in the transaction number limit table is 5 and the current transaction up to 4 is completed, the customer operation is performed by the control unit 18 of the ATM 1 based on the notification from the server 1. As shown in Fig. 10 on the display unit 12, "the number of customer's continuous transactions has become four", "If you wish to continue the fifth transaction, please click the continue button." If the “Continue” button 5 is displayed together with a message informing that there is a limit on the number of continuous transactions, such as “one more continuous transaction is possible”, the transaction will be The selection screen may be displayed to execute the fifth transaction.

In addition to this, the time spent using the transaction count value in the operation status table in FIG. 3 when guiding to the time zone for the next transaction on the screen of FIG. 6 and FIG. It is also possible to display a band.
For example, when the transaction count of ATM1 of # 1 becomes “2”, the time when the transaction count of other ATMs is “1” or less at that time is “T1”, and then the transaction count of any ATM1 is If the time cleared to “0” is “T2”, “T2−T1” is a busy time zone. Therefore, the server 2 calculates “T2−T1”, and the time other than this time zone is calculated. The time zone can be displayed and guided as a time zone.

System configuration diagram showing the first embodiment Block diagram showing the structure of ATM The figure which shows the example of the operating condition table of ATM hold | maintained at the server The figure which shows the example of the content of the table for the frequency | count limitation of transactions held by the server Flow chart showing the operation of the first embodiment The figure which shows the example of a transaction end request | requirement screen in 1st Example System configuration diagram showing a second embodiment The figure which shows the example of a transaction end request | requirement screen in 2nd Example Figure showing another example of transaction end request screen Figure showing an example of the limit number notice screen

Explanation of symbols

1 ATM
2 Server 3 Host 4 Pressure detection mat 5 “Continue” button 11 Proximity sensor 12 Customer operation display unit 13 Cash processing unit 14 Card receipt processing unit 15 Passbook printing unit 16 Communication unit 17 Storage unit 18 Control unit

Claims (6)

A plurality of automatic transaction devices capable of continuous transaction by customer operation,
A server for managing information indicating whether or not each automatic transaction apparatus is used and the number of continuous transactions,
Each time the server receives information notifying that one transaction has been completed from each automatic transaction apparatus, the server counts the number of continuous transactions of the automatic transaction apparatus that transmitted the information, and the number of continuous transactions is preset. When the number of continuous transaction limit is exceeded, a notification is sent to instruct the automatic transaction device to end the continuous transaction,
When each automatic transaction apparatus receives information instructing to end a continuous transaction from the server, the automatic transaction system displays a transaction end request screen with a message to that effect on the display unit. In the automatic transaction system according to claim 1,
The automatic transaction system, wherein the transaction limit number is set for each time zone. In the automatic transaction system according to claim 1,
Provide a waiting customer detection means to detect customers waiting in order to use the automatic transaction apparatus,
When the number of continuous transactions of the automatic transaction apparatus is equal to or greater than a preset transaction limit number and the waiting customer detection means detects a customer, the server terminates the continuous transaction on the automatic transaction apparatus. An automatic transaction system characterized by transmitting information for instructing. In the automatic transaction system according to claim 1,
The automatic transaction apparatus displays the transaction limit number of continuous transactions on the transaction end request screen. In the automatic transaction system according to claim 1,
The automatic transaction apparatus displays an idle time zone on the transaction end request screen. In the automatic transaction system according to claim 1,
The automatic transaction system displays a limit number notice screen for notifying the remaining number of available transactions based on a notification from the server before displaying the transaction end request screen.