JP2008217396A - Method and program for financial product guide, automatic transaction system, and automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method and program for financial product guide by which a financial product guide is given in a manner that suits a customer's convenience, and also to provide an automatic transaction system and an automatic transaction device. <P>SOLUTION: The present invention comprises an automatic transaction device 3 and a host computer 2 having a customer information database and a financial product information database. The automatic transaction device 3 displays a screen for selection between financial transaction processing and financial product guide processing, and, if the financial product guide processing is selected, transmits personal information acquired from a card or a passbook to the host computer 2. Based on the received personal information, the host computer 2 searches the customer information database and the financial product information database, acquires the information on a financial product that suits the customer's characteristics, and transmits the acquired information on the financial product to the automatic transaction device 3. The automatic transaction device 3 displays the received information on the financial product, thereby providing the financial product guide that suits the customer's characteristics. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a technology for a financial product guidance method, a financial product guidance program, an automatic transaction system, and an automatic transaction apparatus.

Conventionally, a technology has been proposed in which an automatic transaction apparatus such as an ATM (Automatic Teller Machine) or a CD (Cash Dispenser) displays an advertisement to a customer such as a financial institution (see, for example, Patent Document 1 and Patent Document 2). ).
An automatic transaction apparatus that displays advertisements such as financial products classified according to information such as customer age and sex on the screen of the automatic transaction apparatus by using the waiting time in the communication screen, and a control method thereof (For example, refer to Patent Document 3).
Furthermore, an automatic transaction apparatus cooperation system is shown in which a customer can select a document request by operating an automatic transaction apparatus (see, for example, Patent Document 4).
JP 2003-6707 A JP 2003-108764 A Japanese Patent Laid-Open No. 11-283080 JP 2003-346215 A

Even if the financial product is advertised based on the customer information, the promotion effect is small because the customer cannot understand the financial product only by the promotion during the financial transaction processing such as deposit or bookkeeping.
Moreover, in busy stores, there is a concern that the operating rate of the apparatus may be lowered by the customer confirming the contents of the financial product.
Moreover, since the introduction effect cannot be achieved only by the notification of the product on the introduction side, such a system is not widely spread.
In addition, there is a concern that sales opportunities may be lost because customers who are more interested in product promotion and who come to the counter cannot conduct a survey of customer information and interested financial products in advance. .

  Furthermore, the techniques described in Patent Documents 1 to 4 have a problem of promoting financial products regardless of the convenience of customers.

  In view of such problems, it is an object of the present invention to provide a financial product guidance method, a financial product guidance program, an automatic transaction system, and an automatic transaction apparatus that guide financial products in accordance with customer convenience.

  In order to solve the above problems, one means of the present invention includes an automatic transaction apparatus, a customer information database that is communicable with the automatic transaction apparatus, and a financial product information database that is information related to financial products. A financial product guidance method in an automatic transaction system having a host computer, wherein the automatic transaction apparatus has a first step of displaying a selection screen for financial transaction processing and financial product guidance processing, and input The financial product guidance process performs a second step to be selected and a third step of transmitting the personal information acquired from the authentication medium inserted in the automatic transaction apparatus to the host computer via the section; The host computer searches the customer information database and the financial product information database based on the received personal information, and stores the location of the authentication medium. The fourth step of acquiring information on the financial product suitable for the user and the fifth step of transmitting the acquired information on the financial product to the automatic transaction device are executed. A financial product guidance method, a financial product guidance program, and an automatic transaction system, characterized in that the sixth step of guiding the financial product suitable for the owner of the authentication medium by executing display of the product information is executed. I will provide a.

  Furthermore, another means of the present invention includes a display unit that displays a selection screen for financial transaction processing and financial product guidance processing, an input unit that selects one of financial transaction processing and financial product guidance processing, and selection. There is provided an automatic transaction apparatus characterized by having a processing unit for executing financial transaction processing or financial product guidance processing.

  According to the present invention, the automatic transaction apparatus displays a selection screen for the financial transaction process and the financial product guidance process at the beginning of the process, and enables the two processes to be selected via the input unit. According to the circumstances, it is possible to provide a financial product guidance method, a financial product guidance program, an automatic transaction system, and an automatic transaction apparatus that guide financial products.

(First embodiment)
FIG. 1 is a diagram illustrating a configuration example of an automatic transaction system according to the first embodiment.
The automatic transaction system 1 includes a host computer 2 installed in a bank system center 4, an automatic transaction apparatus 3 installed in an ATM corner 5, a counter terminal 7 installed in a bank 6, and a person-in-charge terminal 8. Are connected to each other via a network 9 such as a WAN (Wide Area Network) or a LAN (Local Area Network).
Based on the customer's personal data transmitted from the automatic transaction apparatus 3, the host computer 2 causes the automatic transaction apparatus 3 to display a financial product guidance screen for financial products and a guidance method selection screen. Based on the transmitted desired guidance information, it has a function of transmitting information related to a method of guiding financial products to customers to the window terminal 7 and the person-in-charge terminal 8.

  The automatic transaction apparatus 3 is, for example, an ATM or a CD, and is an apparatus that performs financial transactions such as deposit, withdrawal, passbook entry (book entry), balance inquiry, transfer, transfer, remittance, and periodic deposit setting. Further, based on the information transmitted from the host computer 2, a financial product guidance screen and a guidance method selection screen are displayed, and when the customer selects a financial product guidance based on these screens, this selection is made. A function of transmitting the received information to the host computer 2.

The window terminal 7 is a terminal installed at a window of the bank 6 and has a function of displaying information transmitted from the host computer 2 and the like and notifying information received from the host computer 2 to a window person in charge. .
The person-in-charge terminal 8 is, for example, a terminal used by a person in charge of an advertising department in the bank 6, displays information transmitted from the host computer 2, and notifies the person in charge of information transmitted from the host computer 2. Has the function to

FIG. 2 is a diagram illustrating a configuration example of the host computer according to the first embodiment.
The host computer 2 includes a communication processing unit 201, a processing unit 207, a customer information DB 205 (database), a financial product information DB 206, and the like.
The communication processing unit 201 has a function of transmitting / receiving information to / from the automatic transaction apparatus 3, the window terminal 7, the person-in-charge terminal 8, and the like via the network 9 (see FIG. 1).
The processing unit 207 has a function of performing processing based on information received by the communication processing unit 201.
The customer information DB 205 stores customer data that is data related to customers. The customer information DB 205 will be described later with reference to FIG.
The financial product information DB 206 stores financial product data that is data related to financial products. The financial product information DB 206 will be described later with reference to FIG.

The processing unit 207 includes a customer data management unit 202, a financial product data management unit 203, a guidance processing unit 204, and the like.
When the customer data management unit 202 acquires the information sent from the automatic transaction apparatus 3 from the communication processing unit 201, the customer data management unit 202 searches the customer information DB 205 based on the information and acquires the corresponding customer data. Have.
The financial product data management unit 203 has a function of acquiring appropriate financial product data for a corresponding customer based on the customer data acquired from the customer data management unit 202.
The guidance processing unit 204 has a function of transmitting information related to the customer's desired financial product received by the communication processing unit 201 to the window terminal 7 or the person in charge terminal 8 via the communication processing unit 201 and the network 9. Have

  The functions of the units 201 to 204 and the processing unit 207 shown in FIG. 2 are such that programs stored in an HD (Hard Disk), a ROM (Read Only Memory), and the like are expanded in a RAM (Random Access Memory). It is realized by being executed by a CPU (Central Processing Unit).

FIG. 3 is a diagram illustrating a configuration example of the automatic transaction apparatus according to the present embodiment.
The automatic transaction apparatus 3 includes an insertion unit 301, an input unit 303, a display unit 304, a processing unit 309, a communication processing unit 308, and the like.
The insertion unit 301 is a card slot into which a card such as a cash card or a passbook is inserted.
Specifically, the input unit 303 is preferably a touch panel that also has the function of the display unit 304.
The processing unit 309 has a function of processing information acquired from a card, a passbook, information input from the input unit 303, information received by the communication processing unit 308, and the like, and causing the display unit 304 to display the information.
The communication processing unit 308 has a function of transmitting / receiving information to / from the host computer 2 via the network 9 (see FIG. 1).

The processing unit 309 includes an information reading unit 302, a display processing unit 305, a determination unit 306, a financial transaction processing unit 307, and the like.
The information reading unit 302 has a function of acquiring personal data such as a card inserted into the insertion unit 301 and a customer ID (Identification) stored in a passbook. Here, the customer ID is an identification number assigned to each customer, which is unique at least in the automatic transaction system 1 (see FIG. 1).
The display processing unit 305 has a function of causing the display unit 304 to display information received via the communication processing unit 308.
The determination unit 306 has a function of performing various determinations.
The financial transaction processing unit 307 has a function of performing financial transaction processing such as deposit, withdrawal, and bookkeeping.

  Note that the functions of the units 301 to 307 and the processing unit 309 illustrated in FIG. 3 are realized by a program stored in the HD or the ROM being expanded in the RAM and executed by the CPU.

FIG. 4 is a diagram illustrating a configuration example of information stored in the host computer, (a) is a diagram illustrating a configuration example of the customer information DB, and (b) is a configuration example of the financial product information DB. FIG.
The customer information DB 205 stores information related to the customer. The customer ID, the customer's name, account number, deposit amount, address, email (electronic mail) address, whether or not there is a request for materials, and the application product for which the application is a financial product. Stores the name of.
The financial product information DB 206 stores a product name, a possible deposit amount, an inventory status that is the remaining number of the product, and the like.

Next, the financial product guidance method according to the present embodiment will be described along FIGS. 5 and 6 with reference to FIGS.
5 and 6, information transmission / reception between the host computer 2 and the automatic transaction apparatus 3 is performed via the communication processing units 201 and 308 and the network 9, and the host computer 2 and the window terminal 7 Information transmission / reception to / from the person-in-charge terminal 8 is performed via the communication processing unit 201 and the network 9.
FIG. 5 is a flowchart showing a flow of processing of the automatic transaction method according to the present embodiment.
First, the display processing unit 305 displays a process selection screen on the ATM display unit 304 (S101). On the process selection screen, a financial product guidance button (financial product guidance button) and other financial transaction buttons (financial transaction button) are displayed on the touch panel, and the customer presses the corresponding button on the touch panel. To select a process.
Then, the determination unit 306 determines which process has been selected (S102).
As a result of the selection in step S2, when financial product guidance is selected by pressing a financial product guidance button or the like (S102 → product guidance), the insertion unit 301 waits for insertion of a card or passbook. When the card or passbook is inserted by the customer into the insertion unit 301 of the automatic transaction apparatus 3 (S103), the automatic transaction apparatus 3 performs a guidance display process for displaying the guidance of the financial product on the display unit 304 ( S104). Details of the guidance display process will be described later with reference to FIG.

  During this time, the insertion unit 301 of the automatic transaction apparatus 3 discharges the inserted card or passbook (S105).

Next, the description returns to step S102. As a result of the selection in step S102, when a financial transaction is selected by pressing a financial transaction button (S102 → other financial transaction), a card or a passbook is inserted into the insertion unit 301 of the automatic transaction apparatus 3 by the customer. In step S106, the information reading unit 302 acquires personal data such as a customer ID stored in a card or passbook. Then, the financial transaction processing unit 307 of the automatic transaction apparatus 3 performs financial transaction processing such as deposit, withdrawal, and bookkeeping based on the acquired personal data (S107).
When the financial transaction ends, the display processing unit 305 of the automatic transaction apparatus 3 displays a completion screen described later with reference to FIG. 9 on the display unit 304 (S108).
At this time, the display processing unit 305 also displays whether or not the guidance display of the financial product is desired. The determination unit 306 determines whether or not to display a guidance display screen for financial products based on the information on whether or not the user desires input via the input unit 303 (S109).
When the input information is “desired” (S109 → Yes), the automatic transaction apparatus 3 shifts the processing to step S104.
When the input information is “I do not want” (S109 → No), the automatic transaction apparatus 3 proceeds to step S105, and the insertion unit 301 discharges the inserted card or passbook.

(Financial product guidance processing)
FIG. 6 is a flowchart showing the flow of the guidance display process in step S104 of FIG.
First, personal data such as a customer ID stored in a card or a passbook is read by the information reading unit 302, and further, the read personal data is transmitted to the host computer 2 by the communication processing unit 308 (S201). .
The customer data management unit 202 of the host computer 2 searches the customer information DB 205 using the sent personal data as a key, and acquires customer data such as the customer's name, account number, and deposit amount (S202).
Then, the financial product data management unit 203 of the host computer 2 searches the financial product information DB 206 using the acquired customer data as a key, and acquires financial product data that is data of the financial product suitable for the customer (S203). ). The determination of the financial product is performed, for example, by comparing the deposit amount of the customer data with the possible deposit amount of the financial product data.
The communication processing unit 201 of the host computer 2 transmits the acquired financial product data to the automatic transaction apparatus 3 (S204).
Then, the display processing unit 305 of the automatic transaction apparatus 3 displays the sent financial product data on the display unit 304 as a financial product guide screen (S205). Details of the financial product information screen will be described later with reference to FIG.

Next, the customer selects a financial product that meets his request from the financial products displayed on the financial product guide screen via the input unit 303 (S206).
Then, the display processing unit 305 displays a guidance method selection screen on the display unit 304 (S207). Details of the guidance method selection screen will be described later with reference to FIG.
When the customer selects a desired guidance method via the input unit 303, the communication processing unit 308 sends desired guidance data including the customer name, the selected financial product name, and information on the guidance method to the host computer. 2 (S208).
The guidance processing unit 204 of the host computer 2 acquires data related to the guidance method included in the sent desired guidance information, and performs notification processing according to the guidance method via the communication processing unit 201 (S209).

The notification process according to the guidance method means that if the data related to the guidance method is Email, the guidance processing unit 204 of the host computer 2 searches the customer information DB 205 using the customer ID included in the desired guidance information as a key. The customer's Email address is acquired, and the guidance information of the financial product is transmitted to the Email address.
If the data relating to the guidance method is “guidance by mail”, the desired guidance information and the customer data acquired from the customer information DB 205 are transmitted to the person in charge terminal 8 of the relevant department such as the advertising department. .
If the data related to the guidance method is “guidance at the window”, the desired guidance information and the customer data acquired from the customer information DB 205 are transmitted to the window terminal 7.
Accordingly, the customer can receive detailed guidance on the corresponding financial product such as a pamphlet or an explanation by the person in charge of the window via Email, mail or window.

FIG. 7 is a diagram showing an example of the financial product guidance screen displayed in step S205 of FIG.
On the financial product information screen, the product name of the financial product acquired in step S205 of FIG. 6 is displayed as a button 402 on the touch panel (input unit 303 and display unit 304).
When the customer presses one of the buttons 402, the financial product selection process in step S206 of FIG. 6 is performed.

FIG. 8 is a diagram showing an example of a guidance method selection screen displayed in step S207 of FIG.
On the guidance method selection screen, for example, a “guidance by mail” button 502, a “guidance by email” button 503, a “guidance at the window” button 504, etc. are displayed as buttons on the touch panel.
When the customer selects one of the buttons 502 to 504, the guidance method is selected, and the desired guidance data sent to the host computer 2 in step S208 of FIG. 6 includes information on the selected guidance method. Will be.

FIG. 9 is a diagram illustrating an example of the completion screen displayed in step S108 of FIG.
On the completion screen 601, the product name of the financial product is displayed.
Here, the displayed financial product name is, for example, a financial product name stored in the financial product information DB 206 of the host computer 2.
As buttons on the touch panel, for example, a “desired” button 602 and a “not desired” button 603 are displayed.
When the customer presses the “desired” button 602, “Yes” is determined in step S109 in FIG. 6, and when the “not desired” button 603 is pressed, “No” is determined in step S109 in FIG.

(Effect of 1st Embodiment)
According to the first embodiment, conventionally, only financial products suitable for the customer's suitability were advertised. However, by providing a menu for selecting a financial product when selecting a transaction, the convenience, suitability, or hope of the customer is provided. In addition to advertising financial products that meet customer needs, we can provide services such as providing materials and consulting applications at the counter in response to customer requests.
Furthermore, it is possible to make a selection according to the customer's request, such as a method for obtaining detailed information on the selected product, guidance or application at the window. Depending on the selected content, the customer can receive guidance regarding the selected product directly by direct mail or Email using the address registered in the customer information DB 205 or Email address, as well as guidance and application at the counter. You can ask on the spot.

Furthermore, by displaying a financial product information screen as shown in FIG. 7 at the end of financial transactions such as deposits and withdrawals, it is possible to provide guidance to customers who are not conscious of financial products. It can be expected to develop new customers.
Furthermore, by narrowing down financial products from registered customer data and providing detailed information on financial products via direct mail and Email, product selection and guidance selection are facilitated, and the operational efficiency of the automatic transaction apparatus 3 is improved. I can expect.

(Second Embodiment)
The guidance processing unit 204 of the host computer 2 may store the transmitted desired guidance data in the customer information DB 205 of the host computer 2 as a history, or may newly store a selection history DB (not shown) in the host computer 2. The desired guidance data generated and transmitted to the selection history DB may be stored. Here, the information recorded as the history is the customer ID and the product name of the financial product selected in step S206.

(Effect of 2nd Embodiment)
According to the second embodiment, the selected contents and history are recorded in the customer information DB 205 or the selection history DB (not shown), so that even when the customer comes to the window, the customer information DB 205 or By searching the selection history DB, product guidance from the window can be performed.
In addition, the introduction effect of the automatic transaction system 1 can be grasped from the selection of financial products and the history of application, and can be used as a database for effective use of the system in the future.

(Third embodiment)
Next, a third embodiment of the present invention will be described with reference to FIGS.
The third embodiment is one example of utilizing the selection history DB in the second embodiment.
FIG. 10 is a diagram illustrating a configuration example of a host computer according to the third embodiment.
In FIG. 10, the same elements as those in FIG.
The host computer 2a shown in FIG. 10 is different from FIG. 2 in that the host computer 2a has a progress information DB 209 storing the progress information of the financial product for which guidance has been selected, and the processing unit 207a based on the acquired customer data. It is the point which has the customer data management part 202 which acquires progress data from information DB209 and updates progress information DB209.
The customer information DB 205 may be provided with a display field (not shown) in addition to the information shown in FIG. The display field stores information regarding whether or not to display a progress information display screen described later.

FIG. 11 is a diagram illustrating a configuration example of a progress information DB according to the third embodiment.
The progress information DB 209 includes a customer ID, the name of the financial product previously selected by the corresponding customer, the presence / absence of application for the financial product, the examination status, and the like.
The progress information DB 209 is obtained by adding information related to “application presence / absence”, “examination status”, and the like to the selection history DB of the second embodiment.

Next, the automatic transaction method according to the third embodiment will be described along FIG. 12 (FIGS. 12A and 12B) with reference to FIGS. 1, 3, 4, 10, and 11.
FIG. 12A and FIG. 12B are flowcharts showing a processing flow of the financial product guidance method according to the third embodiment.
The third embodiment is a process performed after the second embodiment is executed.
In addition, the process of step S301-step S325 in FIG. 12A and FIG. 12B is a process equivalent to step S106-step S109 of FIG.

  First, the display processing unit 305 of the automatic transaction apparatus 3 displays a process selection screen in the same manner as in step S101 in FIG. 4, and the financial transaction process is selected by the customer pressing the financial transaction button (S102 → The description of FIG. 12A starts from the (other financial transaction) state.

The display processing unit 305 causes the display unit 304 to display a selection screen for financial transactions such as deposit and withdrawal, and the customer selects a desired financial transaction via the input unit 303 (S301). 301 waits for the card or passbook to be inserted.
Next, the card or passbook is inserted by the customer into the insertion unit 301 of the automatic transaction apparatus 3 (S302), and at the same time, the information reading unit 302 reads personal data such as a customer ID from the card or passbook.
Then, based on the read personal data, the financial transaction processing unit 307 of the automatic transaction apparatus 3 performs the selected financial transaction (payment, withdrawal, bookkeeping, etc.) processing (S303).
Simultaneously with the start of the process in step S303, the communication processing unit 308 of the automatic transaction apparatus 3 transmits personal data to the host computer 2a (S304).
Then, the customer data management unit 202 of the host computer 2a searches the customer information DB 205 using the customer ID of the transmitted personal data as a key, and acquires customer data such as the customer's name and deposit amount (S305). .
Next, the progress data management unit 208 of the host computer 2a searches the progress information DB 209 using the customer ID as a key, and acquires the progress data of the corresponding customer (S306). Here, the financial product data management unit 203 may search the corresponding financial product information DB 206 and acquire the corresponding financial product data using the product name included in the acquired progress data as a key.

And the communication processing part 201 of the host computer 2a transmits the acquired progress data to the automatic transaction apparatus 3 (S307). If the financial product data management unit 203 has acquired financial product data in step S306, the communication processing unit 201 may transmit the financial product data in step S307.
The determination unit 306 of the automatic transaction apparatus 3 that has acquired the progress data determines whether or not the financial transaction processing performed in step S303 is in a standby state such as “inquiry” or “in communication”. If so, the display processing unit 305 causes the display unit 304 to display a progress information display screen according to the content of the transmitted progress data (S308). When the automatic transaction apparatus 3 has acquired the corresponding financial product data together with the progress data, the display processing unit 305 displays a progress information display screen according to the content of the financial product data together with the content of the progress data. You may display on the part 304. FIG.
The progress information display screen for each content of the progress data will be described later with reference to FIGS. If not in the standby state, the automatic transaction apparatus 3 shifts the process to step S317.

Next, the determination unit 306 of the automatic transaction apparatus 3 determines whether the financial transaction processing performed in step S303 is in a standby state such as “inquiry” or “communication” (S309), and waits. If it is in a state (S309-> Yes), automatic transaction device 3 will shift processing to Step S310.
In the progress information display screen displayed on the display unit 304 in step S308, a cancel button and a “I want to consult details” button (detail button) are also displayed.
The determination unit 306 determines whether the cancel button has been pressed or the details button has been pressed (S310).
When the detail button is pressed (S310 → detail), the communication processing unit 308 of the automatic transaction apparatus 3 transmits a notification (detail notification) that the detail button is pressed to the host computer 2a (S311).
Then, the communication processing unit 201 of the host computer 2a transmits the detailed notification and the customer ID to the person-in-charge terminal 8 (S312), and then the display processing unit 305 of the automatic transaction apparatus 3 displays the financial transaction screen as the display unit 304. The financial transaction processing unit 307 continues the financial transaction processing (S315).
When the cancel button is pressed (S310 → cancel), the communication processing unit 308 of the automatic transaction apparatus 3 transmits a notification that the cancel button is pressed (cancellation notification) to the host computer 2a (S313).
Then, the progress data management unit 208 of the host computer 2a that has received the cancel notification updates the progress data by setting the display field (not shown) of the customer information DB 205 of the corresponding customer ID to “not display” (S314). ) After that, the financial transaction processing unit 307 continues the financial transaction processing (S316). Thereafter, the customer does not display the progress information display screen when performing a financial transaction. When the financial transaction processing is completed, the display processing unit 305 of the automatic transaction apparatus 3 displays a completion screen on the display unit 304 (S316), and the automatic transaction apparatus 3 shifts the process to step S105 in FIG. The insertion unit 301 discharges the inserted card or passbook.

Returning to the description of step S309, in step S309, when it is determined that the automatic transaction apparatus 3 is not waiting (S309 → No), that is, before the detail button or cancel button on the progress information display screen is pressed, When the communication or inquiry is finished, the display processing unit 305 of the automatic transaction apparatus 3 erases the progress information display screen, returns to the financial transaction screen, and continues the financial transaction processing (S317). In addition, the process after step S317 is demonstrated along FIG. 12B.
When the financial transaction process ends, the display processing unit 305 displays a completion screen on the display unit 304 and redisplays the progress information display screen on the display unit 304 (S318).
And the determination part 306 acquires the distance with a customer from the distance measuring device which is not provided in the automatic transaction apparatus 3, and determines whether the distance with a customer is larger than a predetermined threshold value. That is, it is determined whether or not the customer is sufficiently away from the automatic transaction apparatus 3 (S319).
When it is determined that the customer is sufficiently away from the automatic transaction apparatus 3 (S319 → Yes), the automatic transaction apparatus 3 proceeds to step S105 in FIG. 5, and the insertion unit 301 displays the inserted card or passbook. Discharge.
When it is determined that the customer is not sufficiently away from the automatic transaction apparatus 3 (S319 → No), the determination unit 306 determines whether the cancel button displayed on the progress information display screen is pressed or the details button is pressed. Determine (S320). In addition, since the process of step S320-step S324 is the same process as each process of step S310-step S314, description is abbreviate | omitted.

  After the host computer 2a transmits the detailed data and the customer ID to the person-in-charge terminal 8 in step S322, or after updating the customer information DB 205 in step S324, the automatic transaction apparatus 3 performs the process shown in FIG. The process proceeds to step S105, and the insertion unit 301 discharges the inserted card or passbook.

Next, the progress information display screen will be described with reference to FIGS.
13 to 15, common elements are denoted by the same reference numerals and description thereof is omitted.
FIG. 13 is a diagram illustrating an example of a progress information display screen displayed in step S308 of FIG. 12A.
In the progress information display screen 801 shown in FIG. 13, there is progress data corresponding to the progress information DB 209 (see FIG. 11), but the application presence / absence field is “None”, and the examination status is “Unreviewed”. It is a progress information display screen 801 in the case.
The progress information display screen 801 is displayed in the communication screen 701. On the progress information display screen 801, a “Consult Details” button (detail button 802) and a “Cancel” button (cancel button 803) are displayed on the touch panel.
When the customer presses the detail button 802, “detail” is determined in the process of step S310, and when the cancel button 803 is pressed, “cancel” is determined in the process of step S310.

FIG. 14 is a diagram illustrating an example of a progress information display screen displayed in step S308 of FIG. 12A.
The progress information display screen 901 shown in FIG. 14 includes progress data corresponding to the progress information DB 209 (see FIG. 11), the application presence / absence field is “present”, and the examination status is “under examination”. Is a progress information display screen 901.

FIG. 15 is a diagram illustrating an example of a progress information display screen displayed in step S308 of FIG. 12A.
In the progress information display screen 1001 shown in FIG. 15, there is progress data corresponding to the progress information DB 209 (see FIG. 11), but the application presence / absence field is “None”, and the examination status is “Unreviewed”. Furthermore, it is a progress information display screen 1001 when the stock status of the corresponding financial product data in the financial product information DB 206 (FIG. 4B) is below a predetermined value.

  The progress information display screen displayed in step S318 in FIG. 12B is the same except that the in-communication screen 701 in FIGS.

(Effect of the third embodiment)
According to the third embodiment, at the time of financial transaction, the customer can browse the progress information regarding the financial product for which the document request or the like has been made, and the purchase awareness of the customer can be enhanced.

It is a figure which shows the structural example of the automatic transaction system which concerns on 1st Embodiment. It is a figure which shows the structural example of the host computer which concerns on 1st Embodiment. It is a figure which shows the structural example of the automatic transaction apparatus which concerns on this embodiment. It is a figure which shows the structural example of the information which a host computer stores, (a) is a figure which shows the structural example of customer information DB, (b) is a figure which shows the structural example of financial product information DB. It is a flowchart which shows the flow of a process of the automatic transaction method which concerns on this embodiment. It is a flowchart which shows the flow of the guidance display process of step S104 of FIG. It is a figure which shows the example of the financial product guidance screen displayed by step S205 of FIG. It is a figure which shows the example of the guidance method selection screen displayed by step S207 of FIG. It is a figure which shows the example of the completion screen displayed by FIG.5 S108. It is a figure which shows the structural example of the host computer which concerns on 3rd Embodiment. It is a figure which shows the structural example of progress information DB which concerns on 3rd Embodiment. It is a flowchart which shows the flow of a process of the automatic transaction method which concerns on 3rd Embodiment (the 1). It is a flowchart which shows the flow of a process of the automatic transaction method which concerns on 3rd Embodiment (the 2). It is a figure which shows the example of the progress information display screen displayed by FIG.12A step S308 (the 1). It is a figure which shows the example of the progress information display screen displayed by FIG.12A step S308 (the 2). It is a figure which shows the example of the progress information display screen displayed by FIG.12A step S308 (the 3).

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction system 2,2a Host computer 3 Automatic transaction apparatus 7 Window terminal 8 Person in charge terminal 9 Network 201 Communication processing part (automatic transaction apparatus)
202 Customer Data Management Unit 203 Financial Product Data Management Unit 204 Guidance Processing Unit 205 Customer Information DB
206 Financial product information DB
207, 207a Processing unit (automatic transaction device)
208 Progress data management unit 209 Progress information DB
301 Insertion Unit 302 Information Reading Unit 303 Input Unit 304 Display Unit 305 Display Processing Unit 306 Judgment Unit 307 Financial Transaction Processing Unit 308 Communication Processing Unit (Host Computer)
309 Processing unit (host computer)
601 Completion screen 801, 901, 1001 Progress information display screen

Claims (9)

An automatic transaction system comprising an automatic transaction apparatus and a host computer that is communicable with the automatic transaction apparatus and has a customer information database that is information relating to a customer and a financial product information database that is information relating to a financial product A method for guiding financial products in
The automatic transaction apparatus is
A first step of displaying a selection screen for financial transaction processing and financial product guidance processing;
A second step in which the financial product guidance process is selected via the input unit;
Performing a third step of transmitting personal information acquired from an authentication medium inserted into the automatic transaction apparatus to the host computer;
The host computer
A fourth step of searching the customer information database and the financial product information database based on the received personal information to obtain information on the financial product suitable for the owner of the authentication medium;
Performing the fifth step of transmitting the acquired financial product information to the automatic transaction apparatus;
The automatic transaction apparatus is
A financial product guidance method comprising: performing a sixth step of guiding a financial product suitable for the owner of the authentication medium by displaying the received information of the financial product. The automatic transaction apparatus is
A seventh step of displaying a selection screen for a detailed guidance method of the financial product;
An eighth step of sending information on the selected detailed guidance method to the host computer via the input unit; and
The host computer
Based on the received information on the detailed guidance method, a ninth step of transmitting information on the financial product suitable for the owner of the authentication medium to the corresponding terminal is further executed. The financial product guidance method according to claim 1. The automatic transaction apparatus is
A tenth step of displaying a selection screen as to whether or not to execute the financial product guidance process after the financial transaction process;
After execution of the eleventh step in which execution of the financial product guidance process is selected via the input unit,
The automatic transaction apparatus and the host computer are:
The financial product guidance method according to claim 1, wherein the processing from the third step to the sixth step is executed. The host computer
The financial product guidance method according to claim 1, further comprising a twelfth step of storing, as a history, information on a financial product suitable for an owner of the authentication medium. The host computer has, as a progress information database, progress information of financial products suitable for the owner of the authentication medium,
The automatic transaction apparatus is
In the first step, after the financial transaction process is selected via the input unit,
Further executing a thirteenth step of transmitting personal information acquired from an authentication medium inserted into the automatic transaction apparatus itself to the host computer;
The host computer
A fourteenth step of searching the progress information database based on the received personal information to obtain progress information corresponding to an owner of the authentication medium;
And further executing a fifteenth step of transmitting the acquired progress information to the automatic transaction apparatus,
The automatic transaction apparatus is
The financial product guidance method according to claim 1, further comprising a sixteenth step of displaying the received progress information. A financial product guidance method in an automatic transaction apparatus for performing financial transaction processing,
The automatic transaction apparatus is
A seventeenth step of displaying a selection screen for financial transaction processing and financial product guidance processing;
An eighteenth step of selecting one of the financial transaction process and the financial product guidance process via the input unit;
A financial product guidance method comprising: executing a nineteenth step of executing a financial transaction process or a financial product guidance process based on the selection. A financial product guidance program that causes a computer to execute the financial product guidance method according to any one of claims 1 to 6. An automatic transaction comprising an automatic transaction apparatus, and a host computer that is communicable with the automatic transaction apparatus and has a customer information database that is information related to a customer and a financial product information database that is information related to a financial product A system,
The automatic transaction apparatus is
Display the selection screen for financial transaction processing and financial product guidance processing,
When the financial product guidance process is selected via the input unit,
Sending personal information obtained from an authentication medium inserted into the automatic transaction apparatus to the host computer;
From the host computer, having a function of displaying the information of the financial product that suits the suitability of the owner of the authentication medium received,
The host computer
From the automatic transaction apparatus, based on the received personal information, search the customer information database and the financial product information database, to obtain information on financial products suitable for the owner of the authentication medium,
An automatic transaction system having a function of transmitting information on the acquired financial product to the automatic transaction apparatus. A display unit for displaying a selection screen for financial transaction processing and financial product guidance processing;
An input unit for selecting one of the financial transaction process and the financial product guidance process;
An automatic transaction apparatus comprising: a processing unit that executes a financial transaction process or a financial product guidance process based on the selection.

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