JP2012108681A - Automatic transaction device and wait time calculation type system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To know a predicted wait time when searching for the place of a nearby automatic transaction device through a mobile terminal or general terminal.SOLUTION: The automatic transaction device has a first face authentication part on it and a second face authentication part in the front. A user is recognized at a constant distance of X meters from the automatic transaction device, and further recognized right before the automatic transaction device to find a wait time from the distance between the two points and the time difference. The obtained wait time is stored in a database in a server together with the time and the day of the week. The server calculates average values by days and time zones in every constant period, and stores them in a table. Average values of the stored data are calculated, and a predicted wait time of the object automatic transaction device on a desired day in a desired time zone of a transaction is reported to the user through the mobile terminal or general terminal.

Description

  The present invention provides an automatic transaction apparatus capable of performing a transaction with a map of a target area on a terminal by inputting information such as a desired area, a financial institution, transaction details, a desired date / time zone, and the like on a mobile terminal and a general terminal. Displays the expected waiting time and helps the user conduct the desired transaction.

  By connecting to the Internet with a mobile phone and entering the name of the bank and the transaction you want to do, the mobile phone displays the location of the financial institution or automatic transaction device where you can perform the desired transaction around the location where you use the mobile phone. On the map. Furthermore, the usage time of a window or an automatic transaction apparatus and a fee for performing a target transaction can be obtained as additional information (see Patent Document 1).

  In addition, when a transaction is performed by an automatic transaction apparatus, there is a technique in which a transaction history is stored in a database of a server together with information such as a date, time, and day of week (see Patent Document 2). The purpose of this technology is to analyze the degree of congestion for each time zone, transaction details for each customer, the operation time of automated equipment, the number of times of use, etc., and enable appropriate customer service and sales.

  On the other hand, as a technique for authenticating the face of a target person, there is a technique in which an input face image is divided into areas, and the person is authenticated based on the degree to which the brightness of each area matches the existing image. (See Patent Document 3).

JP 2005-108146 A JP-A-11-213079 JP 04-101280

  If the technique of patent document 1 is used, although the place of the surrounding automatic transaction apparatus can be investigated with a mobile telephone, it cannot know until the waiting time of each automatic transaction apparatus. For this reason, since an automatic transaction apparatus that can actually make a transaction first among a plurality of automatic transaction apparatuses is not known, a user who wants to make an early transaction has difficulty in selecting.

  As a mechanism for assisting in guiding the waiting time of the automatic transaction apparatus, there is a system such as Patent Document 2, but as long as past transaction histories are accumulated, there are many systems for which month, day, and day of the week. Even if a prediction is made as to whether or not a transaction is likely to occur, it is difficult to predict the waiting time because it is impossible to know how long each customer has waited.

  A device capable of authenticating the face of a person X meters ahead is installed at the top of each automatic transaction device. In addition, a camera will be installed near the center of each automatic transaction device so that the face of the person doing the transaction can be authenticated. For example, the technique disclosed in Patent Document 3 is used for face authentication.

  Using them, the waiting time of the automatic transaction apparatus is calculated from the time difference until the person who is authenticated X meters ahead actually conducts the transaction. The calculated waiting time is stored in the server database together with the date, time, day of the week, etc. for a certain period.

  The above waiting time is calculated for each user of the automatic transaction apparatus, and the average waiting time is calculated for the month, day of the week, and time zone, and a table in which the data is recorded is stored on the server database. create.

  The created table is used to predict the waiting time of each automatic transaction apparatus in the future. For example, the average waiting time of the user in the time zone C to D of A month B (Wednesday) one year ago (the time separator can be set to a fixed interval such as 30 minutes or 1 hour) is N minutes / Assuming that the average waiting time on the weekend (Friday, Saturday, Sunday) of A week B (Wednesday), which is one year ago, was M minutes longer than weekdays, The waiting time in the time zone C to D on Saturday is predicted to be N + M minutes.

  By using this technology, when the user inputs the date and time zone in which he / she wants to know the expected waiting time with his / her mobile phone (or PC), the expected waiting time of each automatic transaction apparatus is displayed on the map.

  When a user who wants to use a surrounding automatic transaction device checks the position of the surrounding automatic transaction device with a mobile terminal or a general terminal and enters the time zone in which the transaction is to be performed, the prediction of each automatic transaction device You can know the waiting time.

The schematic diagram of an automatic teller machine and a host computer. The internal block diagram of an automatic teller machine and a host computer. Explanatory drawing of the automatic teller machine using face authentication. A method for calculating a waiting time of a user of an automatic teller machine using face authentication. Average value data table of user waiting time for each month, day of the week, and time period. The connection diagram of a portable terminal, a general terminal, a search server, and a financial institution host computer. A screen where a user enters information such as an address or telephone number into the terminal. Display screen of target area map, ATM location information and expected waiting time. A flow from when a user inputs information to the terminal until a map or the like is displayed on the terminal.

Hereinafter, an embodiment of the present invention will be described with reference to FIGS. The present embodiment relates to an automatic transaction apparatus such as an ATM (Automated Tellers Machine) employed in a financial institution system such as a bank system.

  First, FIG. 1 is a connection diagram between an automatic transaction apparatus 1 according to the present embodiment and a system connected via a communication network, and FIG. 2 is an internal configuration diagram of the automatic transaction apparatus and a host computer. A schematic structure will be described with reference to the connection diagram and the internal configuration diagram.

  An automatic transaction apparatus (hereinafter referred to as ATM) 1 is an automatic transaction apparatus that is installed in a financial institution and performs transactions such as cash deposits and withdrawals by customer operations. It is connected to the connection unit 12. The ATM is a device that automatically executes various transactions requested by the user, and includes an operation unit 3, a card / detail slip mechanism unit 4, a passbook mechanism unit 5, a bill deposit / withdrawal mechanism unit 6, and a coin deposit / withdrawal mechanism unit 7. , The vein authentication mechanism unit 9, the first face authentication unit 17, the second face authentication unit 18, and the control unit 2 for controlling these units. The control unit includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions.

  Each part will be described below. The operation unit 3 has a screen display and a key input detection function. When an ATM user mainly performs a transaction, the operation unit 3 displays a transaction operation guide screen, or a user's operation such as a personal identification number or a key pressed by a finger. This is the part that accepts input. The operation unit 3 is preferably an input / display unit (also referred to as an input display unit) constituted by a touch panel or the like, and displays various information on the display screen, and of course, various items included in the display screen can be pressed. Detect.

  The card mechanism unit 4 has a user card insertion or ejection operation, a card magnetic stripe or IC chip read or write operation, a card embossed portion image reading function, and the like. Moreover, it has the statement slip mechanism part 4 which prints the transaction contents on a statement slip by a printing part, and discharge | emits it from the inside of an apparatus.

  The passbook mechanism unit 5 has a user's passbook insertion / ejection operation, magnetic stripe read / write operation, a printing function by the passbook printing unit, and the like.

  The banknote deposit / withdrawal mechanism 6 and the coin deposit / withdrawal mechanism 7 have a cash deposit / withdrawal function, a cash discrimination / conveyance function, and a storage function.

  The vein authentication mechanism unit 9 has a user vein reading function and an authentication function between vein data registered in the IC card and read vein data. And as above-mentioned, the process of each of these site | parts is controlled by the control part 2. FIG.

  A first face authentication unit 17 is installed at the top of the ATM and can authenticate the face of a person who is X meters away from the ATM. Moreover, the 2nd face authentication part is installed in the ATM front surface, and can authenticate the face of the person who exists just before an automatic transaction apparatus.

  On the other hand, a host computer (hereinafter referred to as a host) 10 connected to the ATM 1 is connected to a line control unit 8 of the ATM 1 and is connected via a line connection unit 12 for transmitting or receiving data to / from the ATM 1. It has an account information file control unit 13 for controlling the account information file 14 and various files 16 for storing the provided user account information and the like, and a host computer control unit 11 for controlling them. The account information file 14 also stores the user's personal identification number, and the host 11 compares the personal identification number included in the data received from the ATM 1 and transmits the result to the ATM 1. Thereby, it is determined whether or not the password entered by ATM1 is acceptable.

  Next, a method for calculating the waiting time of the user with ATM will be described. The first face authentication unit 17 performs face authentication of the user W when the user W exists at a point A that is X meters away from the ATM for a predetermined time P or longer (401). Here, X meter is a distance that a normal human can walk at time T. Next, when the button on the ATM screen is pressed, face authentication of the user W is performed at the point B (403). When the faces authenticated at the points A and B are the same person, the control unit 2 authenticates the user W at the point A and authenticates the user W at the point B and calculates the difference S between the times. It asks (406). If S is within T + U (U is a value for allowing an error), the waiting time is set to 0, and if T + U is exceeded, S- (T + U) is set as the waiting time (407). Here, the above method has been described as an example of calculating the waiting time. However, any calculation method may be used as long as the user uses the place and time at which the user is face-authenticated. Further, even when there is a door at the point A, the user opens the door with an IC card, and the user performs a transaction with ATM using the same IC card, the waiting time can be calculated by the same method.

  The calculated waiting time of the user is transmitted to the host computer 10 together with the transaction history (408). The host computer 10 records the customer's waiting time for a certain period in the file 16 together with information such as the date, day of the week, and the location of the ATM used. The host control unit 11 calculates an average waiting time for each fixed time zone (30 minutes, 1 hour, etc.) of each day of each month based on the information for each fixed period, and stores the result in the file 16. (FIG. 4).

  Next, a description will be given of a mechanism in which, when a user searches for an ATM in a target area using the mobile terminal 19 and the general terminal 20, the position of the ATM is checked and displayed on the map together with an expected waiting time.

  The user inputs an address, a telephone number, a financial institution name, a transaction desired to be performed, a transaction desired time zone, etc. from the portable terminal 19 and the general terminal 20 (FIG. 6) (801). The name of the financial institution, the transaction to be performed, and the time zone in which the transaction is to be performed can be selected in a tab format. When searching with a mobile terminal, a button for automatically inputting the current location is displayed. When the button is pressed, the address of the current location of the user is automatically input for searching.

  The input information is transmitted to the search server 21 through the Internet 23 (802). The search server refers to the input financial institution name (803), connects to the host server 10 of the target financial institution, and transmits information input by the user (804). In this patent proposal, the search server 21 sends the data input by the customer to the host computer 10 of each financial institution. However, the search server 21 acquires the waiting time and ATM location information from the host server 10. Alternatively, the subsequent processing may be performed inside the search server 21.

  From the file 16, the host server 10 of the financial institution is an ATM capable of performing a transaction desired by the user in the target area from the address and telephone number input by the user, and further, the location information of the ATM usable in the desired transaction time zone from the file 16. Obtain (805). Further, based on the information of the date (○ month × day) and the time zone (Δ hour to □ hour) input by the user, each ATM is obtained from the past waiting time history of each ATM stored in the file 16. The expected waiting time is calculated (806). As an example of a method for calculating the expected waiting time, a method may be considered in which a value in a column that coincides with x days Δhour to □ hour input by the user is selected for a certain period and averaged. In addition, a method of calculating the expected waiting time by combining days of the week can be considered. The host server 10 of the financial institution transmits the obtained ATM position information and expected waiting time to the search server (807).

  The search server 21 receives the ATM location information and the expected waiting time received from the host computer of the financial institution together with the map information of the target area searched from the map information DB 22 that holds (808), and the mobile terminal of the user through the Internet 23. 19 and the general terminal 20 (809).

  The mobile terminal 19 and the general terminal 20 that have received the ATM location information, the expected waiting time, and the map information of the target area display the map of the target area, the ATM symbol, and the predicted waiting time together on the screen (FIG. 7) (810). ).

  DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus, 2 ... Control part, 3 ... Operation part (input and display part), 4 ... Card mechanism part and statement slip mechanism part, 5 ... Passbook mechanism part, 6 ... Banknote depositing / withdrawing mechanism part, 7 ... Coin deposit / withdrawal mechanism unit, 8 ... line connection unit (automatic cash transaction apparatus side), 9 ... vein authentication mechanism unit, 10 ... host computer, 11 ... host computer control unit, 12 ... line connection unit (host computer side), 13 ... account information file control unit, 14 ... account information file, 15 ... file unit, 16 ... various files, 17 ... first face authentication unit, 18 ... second face authentication unit, 19 ... portable terminal, 20 ... general terminal, 21 ... search server, 22 ... map information database, 23 ... Internet.

Claims (2)

  By recognizing the ATM user at the point A which is X meters away from the ATM and further recognizing at the point B immediately before the ATM, the waiting time of the user is calculated from the difference in time between the point A and the point B, A system that stores data such as date and day of the week in a database.   A system that predicts the waiting time of a future ATM by a method such as taking an average value of waiting times on the same day in a past fixed period from waiting times stored in a database.

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