JP2012108682A - Transaction-processing device and transaction-processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction-processing device capable of shortening a customer's waiting time and hence reducing burden on the customer.SOLUTION: A transaction-processing device for processing a transaction which a customer demands comprises: a continuous transaction frequency storage means which stores frequency of continuous transactions conducted by the customer; a congestion information acquisition means which acquires congestion information of customers demanding transactions; and a restricted frequency calculation means which calculates an upper limit of the frequency of continuous transactions based on the congestion information. When the frequency of continuous transactions of the customer reaches the upper limit of restricted frequency, a subsequent continuous transaction is forbidden and guidance of that effect is displayed to the customer.

Description

  The present invention relates to a transaction processing apparatus capable of continuously performing various transactions by a customer's operation, and a transaction processing system including its upper server.

  In financial institution branches, etc., transaction processing devices that can perform various transactions by customer operations are installed in the unmanned corner, but in urban areas and densely populated areas, with the increase in customers, The customer needs to wait in order to use the device. Especially when the same customer conducts a plurality of transactions continuously, the waiting time of other customers waiting for the turn becomes very long. Therefore, when performing transactions continuously, it is possible to store the details of the transaction that was performed the first time, omit the operations necessary for the second transaction, or select another transaction while printing the passbook A transaction processing technique such as displaying a simple screen to shorten the transaction time is shown.

  In addition, an automatic transaction system has been proposed in which the waiting time of waiting customers is shortened by limiting continuous transactions by the same customer instead of reducing the length of the transaction time itself (see Patent Document 1). In the automatic transaction system of Patent Document 1, when a customer makes a transaction, the transaction processing device transmits information notifying that one transaction has been completed to the server, and the server continues the transaction processing device that transmitted the information. Memorize the number of transactions. When the number of continuous transactions is equal to or greater than a preset number of continuous transactions, a notification instructing the transaction processing device to end the continuous transaction is transmitted. When each transaction processing device receives information instructing to end the continuous transaction from the server, it displays a transaction end request screen with a message to that effect on the display unit, and prompts the customer to end the continuous transaction. The waiting time for the waiting customer is shortened.

JP 2008-46805 A

  According to the prior art, it is possible to shorten a transaction time in a customer's continuous transaction. However, when the number of transactions performed by the same customer is large, the customer can perform unlimited transactions, which causes a problem that the waiting time of the customer waiting for the use of the transaction processing device becomes long.

  In addition, according to Patent Document 1, by limiting the number of continuous transactions themselves, it is possible to prevent an increase in transaction time for a customer who makes many transactions at once, and to reduce waiting time for waiting customers. I can do it. However, it is necessary to set the limit number of continuous transactions in a table or the like for each time zone, and it is necessary to grasp the number of visitors for each time zone and set the optimum limit number in advance. It is easy to set weekdays and holidays, but it is necessary to set it independently on days when the customer flow is different due to events, etc., and set the number of visitors for all such days. It is very difficult. In addition, when all the desired transactions are completed in one more transaction, the customer who is doing continuous transactions has reached the limit number of times, so it will be burdensome for the customer to reorder as a customer waiting for the turn, and waiting for the turn This leads to an increase in customer queues, which is rather inefficient.

  An object of the present invention is to provide a transaction processing apparatus capable of shortening a waiting time of a customer and setting a limit number of continuous transactions most suitable for the customer.

  In order to achieve the above-mentioned object, the present invention has a display means for guiding and displaying a transaction, and in the transaction processing apparatus for processing the transaction desired by the customer via the display means, the customer processes the transaction. The continuous transaction number storage means for storing the number of continuous transactions for performing transactions continuously in the apparatus, the congestion information acquisition means for acquiring the congestion information of the customer who desires the transaction in the transaction processing apparatus, and the above based on the congestion information A limit number calculation means for calculating an upper limit value of the number of consecutive transactions, and when the number of consecutive transactions that the customer continuously transactions reaches the upper limit value, prohibits subsequent transactions, and to that effect Display guidance is provided to the customer via the display means.

  Furthermore, the transaction processing device is connected to a host device through communication means, and acquires the congestion information using the communication means.

  Since the transaction processing device is configured as described above, the transaction processing device does not limit when there is no waiting customer who wants to make a transaction in the transaction processing device, and does not limit the moment when the waiting customer exceeds a certain number of people. It is possible to start. In addition, the transaction processing apparatus can set the limit number small when the number of waiting customers is large, and can set the limit number large when the number of waiting customers is small. As a result, it is possible to perform a highly accurate restriction, and it is possible to reduce the difference between the waiting time when the number of waiting customers is large and small.

  Further, the limit number calculation means includes a transaction number history storage means for storing the past continuous transaction number history of the customer, and an average transaction number calculation for calculating the average transaction number of the customer based on the transaction number history storage means. And a means for correcting the number of continuous transactions in the transaction processing device based on the average number of transactions calculated by the average number of transactions calculation means.

  Since it is configured as described above, the transaction processing device uses the average number of continuous transactions of the customer as an estimated number of transactions, and the number of times that the customer is restricted based on the number of times of congestion information and the estimated number of transactions. It is possible to obtain a limit number of times that is least burdensome and decreases.

  Further, the continuous transaction is a predetermined transaction type.

  Since it was set as the above structure, the transaction time until the said customer's continuous transaction frequency reaches a limit number can be equalized. For example, in the balance inquiry, the transaction is completed in a very short time, but the transfer transaction is a relatively long transaction. Therefore, the transaction time for one transaction is different, resulting in a large difference in the transaction time until the limit number is reached. At this time, if the balance inquiry is not counted as a continuous transaction, the possibility of reaching the limited number of times in a short time is reduced, and the transaction time for each customer can be made uniform as described above.

  Furthermore, a plurality of transaction processing devices, connected to the transaction processing device by means of communication, a host server for storing customer information of customers who trade with each of the transaction processing devices, connected to the host server and communication means, In the transaction processing system configured to monitor each customer state of the transaction processing device, the monitoring device acquires congestion information acquisition means for acquiring congestion information of customers who wish to make transactions with the transaction processing device. And first transmission means for transmitting the congestion information of the customer acquired by the congestion information acquisition means to the server, wherein the server performs a continuous transaction for each customer who makes transactions continuously with the transaction processing device. Continuous transaction number storage means for storing the number of times, first receiving means for receiving customer information to be processed by the transaction processing apparatus from the transaction processing apparatus, and customer information received by the first receiving means. A second receiving means for receiving the congestion information of the customer from the monitoring device on the basis of, a limit number calculating means for calculating the upper limit value of the number of continuous transactions of the customer based on the congestion information, and a calculation of the limit number of times Second transmission means for transmitting an upper limit value of the number of transactions of the customer calculated by means to the transaction processing device, the transaction processing device displaying and displaying transaction information, and the transaction processing device A third transmitting means for transmitting the customer information of the customer to be processed in the transaction to the server, and a third receiving means for receiving the upper limit value of the number of continuous transactions of the customer received from the server, When the number of continuous transactions that the customer continuously performs reaches the upper limit value, subsequent consecutive transactions are prohibited, and the fact is displayed and guided to the customer via the display means.

  With the configuration as described above, the upper server has history information on the number of continuous transactions for each customer. Therefore, no matter what transaction processing device is connected to the server, the customer is optimally limited to the customer. It is possible to determine the number of times. In addition, the number of times of restriction between stores can be made uniform by taking into account the number of times of restriction calculated from the congestion information of other stores.

  Here, the congestion information is acquired from the monitoring device by communication means. For example, an imaging camera or the like is installed on the upper part of the transaction processing device, the congestion degree is determined through the imaging camera, and the information is transmitted to the host device. There is no problem with the configuration.

  Moreover, although it is set as the structure which uses the frequency | count of a transaction for the restriction | limiting with respect to a continuous transaction, it is also possible to measure the time in continuous transaction, for example, and to limit the transaction at the time of exceeding the time limit as a final transaction. . Similarly, the average time of continuous transactions can be used instead of the average number of continuous transactions for each customer.

  According to the present invention, it is possible to provide a transaction processing apparatus that can reduce the waiting time of the customer and further reduce the burden on the customer.

The connection diagram of a cash transaction processing apparatus, a host, and a customer monitoring apparatus. The internal block diagram of a cash transaction processing apparatus, a host, and a customer monitoring apparatus. The block diagram of the table of a continuous transaction information file. The image figure of the data which memorize | stores the last customer and this customer's account number. Transaction processing flow diagram. The sequence diagram between each apparatus at the time of a continuous transaction. The image figure of a transaction guidance screen. The image figure of a transaction guidance screen similarly. The image figure of the transaction guidance screen. The image figure of the transaction guidance screen.

  First, FIG. 1 is a connection diagram of a host computer 11 and a customer monitoring device 20 connected to a transaction processing apparatus 1 according to the present embodiment via a communication network, and FIG. 2 is an internal configuration diagram thereof. A schematic structure will be described with reference to the connection diagram and the internal configuration diagram.

  A transaction processing apparatus (hereinafter referred to as ATM) 1 is a transaction processing apparatus that is installed in a financial institution and performs transactions such as cash deposits and withdrawals by customer operations. Connected to the unit 12. ATM is a device that automatically executes various transactions requested by customers, such as an operation unit 3, a card / detail slip mechanism unit 4, a bankbook mechanism unit 5, a banknote deposit / withdrawal mechanism unit 6, a coin deposit / withdrawal mechanism unit 7, The voice guidance guidance unit 9 and the control unit 2 that controls these units are included. 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 customer mainly performs a transaction, the operation unit 3 displays a guidance screen for a transaction operation or a key pressed by a customer operation or a finger such as a personal identification number. This is the part that accepts input. The operation unit 3 displays on the touch panel screen, and of course also detects pressing of various items included in the display screen.

  The card mechanism unit 4 has a customer 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 customer passbook insertion / discharge operation, a magnetic stripe read / write operation, a printing function by a printing unit for the passbook, 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. Then, as described above, the processing of each of these parts is controlled by the control unit 2.

  On the other hand, a host computer (hereinafter referred to as a host) 11 connected to the ATM 1 is connected to the line connection unit 8 of the ATM 1 and the line connection unit 22 of the customer monitoring device 20 by the line connection unit 12. Send or receive. The file unit 14 includes a continuous transaction information file 16 for storing customer continuous transaction information and a file control unit for controlling various files 17, and a host computer control unit 15 for controlling them. The various information files 17 also store the customer'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.

  Further, as described above, the customer monitoring apparatus 20 connected to the host 11 is connected via the line connection unit 12 of the host 11 and the line connection unit 22 that transmits or receives data to and from the host 11 and waits in turn. The image capturing unit 21 captures a customer, and the monitor control unit 23 calculates congestion information based on the video acquired by the image capturing unit 21. The congestion information calculated by the monitoring control unit 23 is transmitted to the host 11, and the limit number of continuous transactions is calculated based on the congestion information.

  Next, the transaction flow in the case where the customer makes a transaction at ATM 1 in this embodiment will be described with reference to FIGS. 3, 4, 5, 6, and 7A to 7D.

  FIG. 3 is a diagram showing an example of a continuous transaction information table for each customer account number. The number of consecutive transactions made by a customer for each ATM use is memorized in increments of 50 from the latest, and the average number of consecutive transactions was calculated from these 50 consecutive transactions. It is a mechanism to remember things.

  FIG. 4 is an image diagram of data for storing the customer account number in the internal memory of the ATM 1. The account number (A) stores the account number of the customer who is currently trading, and the account number (B) stores the account number of the customer who made the previous transaction. The account number (A) and the account When the numbers (B) match, it can be determined that the transaction is a continuous transaction.

  FIG. 5 shows an example of the transaction processing flow of ATM1 in this embodiment. FIG. 6 shows a sequence diagram between each device and transaction information file at the time of continuous transaction in the transaction flow. FIGS. 7A to 7D show an image diagram of a transaction guidance screen for displaying a transaction guidance to a customer and a transaction end request screen for prompting the end of the transaction. First, the initial screen (FIG. 7A) of the transaction operation guidance screen provided in the operation unit 3 of the ATM 1 displays start buttons for various transaction items for the customer to start a transaction. (S100).

  Next, when the customer selects (depresses a selection button) various transactions from the transaction items (S101), the transaction type of the transaction selected when the operation unit 3 detects the selection is stored in a memory (not shown). (S102) and start the transaction. Subsequently, the operation unit 3 displays a card insertion guidance screen (FIG. 7B) for prompting card insertion on the operation guidance screen, and the card mechanism unit 4 is in a card insertion waiting state for receiving a magnetic card or IC card inserted by the customer. (S103). It is assumed that at least customer information such as an account number is stored in the card of this embodiment. Next, when the customer inserts the card held by the customer into a card insertion slot (not shown) of the card mechanism unit 4 (S104), the card mechanism unit 4 reads information on the magnetic stripe of the inserted card. Subsequently, a data reading screen (FIG. 7C) is displayed on the operation unit 3 (S105), customer information is read from the card mechanism unit 4 via the control unit 2, and the account number is set to the account number (A). Store (S106). Subsequently, the operation unit 3 displays a password input screen (not shown) for prompting the input of the password on the operation guide screen (S107), and the customer inputs the password from the numeric keypad on the operation guide screen (S108). The ATM 1 transmits the customer information and the entered password to the host 11, and the host 11 performs an authentication process based on the received data (S109). When the ATM 1 receives a signal indicating that the personal authentication has been successful from the host 11 (S110), it executes various transactions desired by the customer (S114). Details are omitted. On the other hand, when the signal indicating the failure of the personal authentication by the personal identification number is received, the operation unit 3 of the ATM 1 displays a personal identification number NG screen (not shown) indicating the authentication failure (S111), and the number of times of personal authentication execution at that time Is determined to be greater than or equal to the specified number (S112). If the number of executions is less than the specified number, the password input screen is displayed again (S107), and the customer is requested to input the password. If the number of executions exceeds the specified number, the card mechanism unit 4 returns the card to the customer (S113).

  When one transaction process is completed, the account number (A) and the account number (B) are subsequently verified (S115). At this time, the account number (B) stores the account number of the customer who made the previous transaction. If the account number (A) and the account number (B) match, it is determined that the transaction is a continuous transaction by the same customer. can do. When the ATM 1 determines that the customer is performing a continuous transaction, the ATM 1 subsequently determines whether the transaction type selected by the customer is a transaction that is a target of a continuous transaction (S116). In this embodiment, there is an internal memory (not shown) that stores the current transaction count in ATM1, and when the transaction is a subject of continuous transaction, a new value obtained by adding 1 to the transaction count stored in the memory is newly added. The current transaction count is transmitted to the host 11 (S117).

  When the host 11 receives the number of transactions from the ATM 1, the file control unit 15 adds new data to the continuous transaction number part of the continuous transaction information file in FIG. If so, overwrite the latest data. As a result, when the number of stored data exceeds 50, the old data is deleted. On the other hand, when the transaction selected by the customer is not a continuous transaction target, the number of transactions is not changed and the process proceeds to the next process.

  Subsequently, the host 11 transmits a signal requesting congestion information to the customer monitoring device 20 via the line connection unit 12. When the customer monitoring device 20 receives a signal requesting congestion information from the host 11, the customer monitoring device 20 transmits the congestion information calculated by the monitoring control unit 23 to the ATM 1, and the control unit 15 of the host 11 is based on the received congestion information. Calculate the limit number of times. Subsequently, the file control unit 13 acquires the average number of continuous transactions of the customer from the transaction information file, corrects the limit number based on the average number of continuous transactions, and the host 11 finally sets the calculated limit number to ATM1. Send to.

  When ATM1 receives the limit number from host 11 (S118), it compares the current number of transactions with the limit number (S119). If the number of transactions is less than the limit number, no processing is performed, and finally the customer Is stored in the account number (B) (S121), and the transaction is terminated (S123). However, when the number of transactions reaches the limit number or more, ATM1 displays a transaction end request screen (FIG. 7 (d)) on the operation unit 3 (S120) and prompts the customer to end the transaction. Is finished (S123).

  If it is determined in the continuous transaction determination process (S115) that ATM1 is not a continuous transaction, the customer can be said to be the first transaction, so 1 is set as the number of transactions in the internal memory (S122), The customer's account number is stored in the account number (B) (S121), and the transaction is terminated (S123).

  As described above, in this embodiment, when customers using ATM1 are congested, the most efficient is based on the congested information and the customer information with respect to the customers who have made several consecutive transactions. Deriving a good limit number of times, when the number of consecutive transactions reaches the limit number of times, by displaying a screen requesting the end of the transaction, by ending the continuous transaction, the waiting time of the waiting customer can be shortened, The burden on customers can be reduced.

DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus, 2 ... Control part, 3 ... Operation part (input right 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 ... voice guidance guidance unit, 11 ... host computer, 12 ... line connection unit (host computer side), 13 ... file control unit, 14 ... File unit, 15 ... host computer control unit, 16 ... continuous transaction information file, 17 ... various files, 20 ... customer monitoring device, 21 ... imaging unit, 22 ... line connection unit (customer monitoring device side), 23 ... monitoring control unit .

Claims (5)

In a transaction processing apparatus having a display means for guiding and displaying a transaction, and processing the transaction desired by the customer via the display means,
Continuous transaction number storage means for storing the number of continuous transactions in which the customer continuously performs transactions in the transaction processing device;
Congestion information acquisition means for acquiring congestion information of customers who wish to trade with the transaction processing device, and limit number calculation means for calculating the upper limit value of the number of consecutive transactions based on the congestion information,
When the number of consecutive transactions that the customer continuously transactions reaches the upper limit, subsequent transactions are prohibited, and the customer is informed through the display means to that effect. Processing equipment. The transaction processing device is connected to the host device by communication means,
The transaction processing apparatus according to claim 1, wherein the congestion information is acquired using the communication means. The limit number calculating means includes
Transaction number history storage means for storing the past consecutive transaction number history of the customer;
An average transaction number calculating means for calculating the average transaction number of the customer based on the transaction number history storage means,
2. The transaction processing device according to claim 1, wherein the number of continuous transactions in the transaction processing device is corrected based on the average number of transactions calculated by the average transaction number calculating means.   The transaction processing apparatus according to claim 1, wherein the continuous transaction is a predetermined transaction type. A plurality of transaction processing devices, connected to the transaction processing device by communication means, an upper server for storing customer information of customers who trade with each of the transaction processing devices, and connected to the upper server by communication means, In a transaction processing system composed of a monitoring device that monitors the customer status of each processing device,
The monitoring device
Congestion information acquisition means for acquiring congestion information of customers who wish to trade in the transaction processing device;
First transmission means for transmitting the congestion information of the customer acquired by the congestion information acquisition means to the server,
The server
Continuous transaction number storage means for storing the number of continuous transactions for each customer who makes transactions continuously in the transaction processing device;
First receiving means for receiving from the transaction processing device customer information for transaction processing in the transaction processing device;
Second receiving means for receiving congestion information of the customer from the monitoring device based on the customer information received by the first receiving means;
Limit number calculating means for calculating an upper limit value of the number of consecutive transactions of the customer based on the congestion information;
A second transmission means for transmitting the upper limit value of the number of transactions of the customer calculated by the limit number calculation means to the transaction processing device,
The transaction processing apparatus
Display means for guiding and displaying transactions;
Third transmission means for transmitting customer information of the customer to be processed by the transaction processing device to the server;
A third receiving means for receiving an upper limit value of the number of consecutive transactions of the customer received from the server,
When the number of consecutive transactions that the customer continuously transactions reaches the upper limit, subsequent transactions are prohibited, and the customer is informed through the display means to that effect. Processing system.

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