JP2014006857A - Transaction device, transaction method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction device, a transaction method, and a program which supply return power in timing corresponding to start of use of a processing unit.SOLUTION: A transaction device includes: a processing unit for performing processing while shifting transaction screens displayed in a display unit; a power supply part for supplying a return power, to the processing unit, for switching the processing unit from a power saving mode to a normal operation mode; a timing control part for controlling a supply start timing of the return power by the power supply part; and a storage unit for storing a switching time for switching the processing unit supplied with the return power from the power saving mode to the normal operation mode and a processing time by the processing unit for each of the transaction screens. The timing control part controls the supply start timing for the processing unit to supply the return power based on the switching time and the processing time which are stored in the storage unit.

Description

  The present invention relates to a transaction apparatus, a transaction method, and a program.

  2. Description of the Related Art In recent years, transaction apparatuses that can handle various transactions without requiring human face-to-face customers have been used in various places. As an example of such a transaction apparatus, there is an automatic contracting and contract machine (ACM), and a customer can make a transaction without facing a person and make a contract with a financial institution using the unattended contract apparatus. .

  In general, unmanned contract devices often have a lot of time during which no transactions are made by customers. Therefore, in order to suppress unnecessary power consumption, the unmanned contract device operates in a normal operation mode in which normal operation is performed during a transaction, and operates in a power saving mode in which power consumption is reduced when a transaction is not performed. The unmanned contract apparatus normally operates in the power saving mode, and when the transaction by the customer is started, the unmanned contract apparatus performs the transaction processing by switching from the power saving mode to the normal operation mode. For example, in Patent Document 1, the unattended contract device switches from the power saving mode to the normal operation mode to all the processing units used for the transaction among the processing units of the unattended contract device at the timing when the transaction is started by the customer. Was supplied with return power.

JP 2007-323230 A

  However, in such a method, return power is supplied to all the processing units used for the transaction at the transaction start timing. Therefore, there is a problem that the transaction apparatus supplies unnecessary return power to the unused processing units after the transaction is started until the processing unit is actually used.

  Accordingly, the present invention has been made in view of the above problems, and the object of the present invention is a new and improved capability of supplying return power at a timing according to the start of use of a processing unit. To provide a transaction apparatus, transaction method and program.

  In order to solve the above problems, according to an aspect of the present invention, a plurality of processing units that perform processing while changing a transaction screen displayed on a display unit, and the processing unit from a power saving mode to a normal operation mode. A power supply unit that supplies return power for switching to the processing unit; a timing control unit that controls a supply start timing of the return power by the power supply unit; and the processing unit that is supplied with the return power includes: A storage unit that stores a switching time for switching from the power saving mode to the normal operation mode and a processing time by the processing unit for each transaction screen, and the timing control unit is stored in the storage unit Based on the switching time and the processing time, the supply start timing for the processing unit that supplies the return power is controlled. That, the transaction device is provided.

  The supply start timing may be at least a time before the switching time with respect to a time when processing by the processing unit is started.

  The timing control unit may calculate a time of the supply start timing based on a processing time of the transaction screen displayed before the transition to the transaction screen in which processing by the processing unit is performed.

  The transaction apparatus includes an input unit that accepts a predetermined input, and after the predetermined transaction screen is displayed on the display unit, until the transition to the next transaction screen of the transaction screen according to the input to the input unit A transition time measuring unit that measures the transition time of the first and second timings, and the timing control unit may control the supply start timing based on the transition time.

  The transaction apparatus estimates an estimated processing time obtained by extending or shortening the processing time in the transaction screen to be transitioned according to a comparison result between the processing time and the transition time in the transaction screen that has been transitioned so far. The timing control unit may control the supply start timing based on the switching time and the estimation processing time estimated by the estimation unit.

  The power supply unit stops supply of return power to switch the processing unit from the normal operation mode to the power saving mode, and the timing control unit sets a supply stop timing of the return power by the power supply unit. You may control.

  The supply stop timing may be a timing of transition to a transaction screen different from the transaction screen displayed during processing by the processing unit in the normal operation mode.

  In order to solve the above problem, according to another aspect of the present invention, a step of causing a plurality of processing units to perform processing while transitioning a transaction screen displayed on a display unit, The timing at which the power supply unit starts supplying the return power for switching from the mode to the normal operation mode to the processing unit is stored in the storage unit, and the processing unit supplied with the return power is moved from the power saving mode to the processing unit. There is provided a transaction method comprising a step of controlling based on a switching time for switching to a normal operation mode and a processing time by the processing unit for each transaction screen.

  In order to solve the above problem, according to another aspect of the present invention, a step of causing a plurality of processing units to perform processing while causing a computer to transition a transaction screen displayed on a display unit, and the processing unit The timing at which the power supply unit starts to supply the return power for switching from the power saving mode to the normal operation mode to the processing unit is stored in the storage unit, and the processing unit supplied with the return power stores the power saving. There is provided a program for executing a control based on a switching time for switching from a mode to the normal operation mode and a processing time by the processing unit for each transaction screen.

  As described above, according to the present invention, it is possible to supply return power at a timing according to the start of use of the processing unit.

It is explanatory drawing which showed the structure of the unmanned contract system which concerns on embodiment of this invention. It is explanatory drawing which showed the main functions which the unmanned contract apparatus which concerns on embodiment of this invention, a server, and a center terminal have. It is explanatory drawing which showed the external appearance structure of the unmanned contract apparatus which concerns on embodiment of this invention. It is explanatory drawing which showed the outline of the internal structure of the unmanned contract apparatus which concerns on embodiment of this invention. It is a functional block diagram which shows the structure of the unmanned contract apparatus which concerns on 1st Embodiment. It is explanatory drawing which showed the first half part of the transaction flow in the unmanned contract apparatus which concerns on 1st Embodiment. It is explanatory drawing which showed the second half part of the transaction flow in the unmanned contract apparatus which concerns on 1st Embodiment. It is explanatory drawing which showed the switching time of the processing unit which the unmanned contract apparatus which concerns on 1st Embodiment has. It is explanatory drawing which showed the example of the preparation completion timing of the processing unit in the transaction flow in the unmanned contract apparatus which concerns on 1st Embodiment, the processing time for every transaction screen, and transition time.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<1. Basic configuration of unmanned contract system>
The present invention is <3. As described in detail in the first embodiment, it can be implemented in various forms. Moreover, the transaction apparatus (unmanned contract apparatus 10) which concerns on embodiment of this invention is
A. A plurality of processing units (card reader / issuance unit 216, certificate scanner 220, document scanner 224) that perform processing while transitioning the transaction screen displayed on the display unit (LCD 204 with touch panel);
B. A power supply unit (116) for supplying return power for switching the processing unit from the power saving mode to the normal operation mode to the processing unit;
C. A timing control unit (104) for controlling the supply start timing of the return power by the power supply unit;
D. A storage unit (120) for storing a switching time when the processing unit supplied with the return power switches from the power saving mode to the normal operation mode, and a processing time by the processing unit for each transaction screen;
With
E. The timing control unit controls the supply start timing for the processing unit that supplies the return power based on the switching time and the processing time stored in the storage unit.

  In the following, the unmanned contract device 10 according to the embodiment of the present invention and an unmanned contract device including the unmanned contract device, which are common in the later-described comparative example in order to clarify the effects of the unattended contract device 10. The basic configuration of the system will be described with reference to FIGS.

  FIG. 1 is an explanatory diagram showing a configuration of an unmanned contract system according to an embodiment of the present invention. As shown in FIG. 1, the unmanned contract system includes a reception center including a server 14, a center terminal 18, and a branch office terminal 22, an unmanned contract device 10, a host 26, and a dedicated network 34. Including. Alternatively, the unattended contract system further includes a screening department terminal 30 (see FIGS. 6 and 7 described later). The unattended contract system may include, for example, a plurality of unmanned contract apparatuses 10a to 10c as the unattended contract apparatus 10, and may include a plurality of center terminals 18a and 18b as the center terminal 18, for example.

  The host 26 controls transactions such as contracts with customers and money transactions by communication with the center terminal 18 and the branch terminal 22. For example, the host 26 executes transactions such as customer authentication, a contract instructed by the customer, and a money transaction based on information input by the customer by the unattended contract device 10 and notified to the center terminal 18. In addition, the host 26 manages customer information such as the customer's name, address, age, date of birth, telephone number, occupation, family structure, annual income, contract details, and transaction history.

  The branch office terminal 22 is a terminal that is operated by an employee of a financial institution, and is installed in the branch office of the financial institution. For example, the sales office terminal 22 performs a transaction based on an operation by an employee of the financial institution when the customer makes a transaction through an in-person visit by the employee of the financial institution. Here, it is assumed that the center terminal 18 is used when not connected to the host 26.

  The examination department terminal 30 is a terminal operated by an employee belonging to an examination department which is a department different from the reception center. The examination department terminal 30 examines whether or not the customer has a transaction qualification by an operation by an employee belonging to the examination department. In addition, the employee who operates the branch terminal 22 and the employee who operates the examination department terminal 30 are collectively referred to as an operator below.

  The dedicated network 34 is a network of a financial institution, and is configured by, for example, a dedicated line or an IP-VPN (Internet Protocol-Virtual Private Network). The unmanned contract apparatus 10 is connected to the server 14 and the center terminal 18 via the dedicated network 34.

  Next, the unmanned contract apparatus 10, the server 14, and the center terminal 18, which are main operating entities in the present embodiment in the unmanned contract system, will be described with reference to FIG. 2 in addition to FIG.

  FIG. 2 is an explanatory diagram showing main functions of the unmanned contract apparatus 10, the server 14, and the center terminal 18 according to the embodiment of the present invention.

  The server 14 is a device that manages the state of the unmanned contract device 10. For example, as shown in FIG. 2, the server 14 has a connection control function for controlling connection between the unmanned contract device 10 and the center terminal 18 and allocating a processable center terminal 18 as a connection destination of the unattended contract device 10. Have. In addition, the server 14 has various functions as shown in FIG. Note that ACM in FIG. 2 is an abbreviation for the unmanned contract apparatus 10.

  The center terminal 18 is a terminal that assists transactions in the unmanned contract apparatus 10 based on the operation of the operator. For example, as illustrated in FIG. 2, the center terminal 18 has a function of simultaneously connecting a plurality of unmanned contract apparatuses 10 that can simultaneously connect a plurality of unattended contract apparatuses 10. For example, up to four unmanned contract devices 10 may be connectable to one center terminal 18. In addition, the center terminal 18 has various functions as shown in FIG.

  The unmanned contract device 10 is a customer operation type terminal that executes various transactions and conclusion of contracts based on customer operations. For example, as shown in FIG. 2, the unattended contract device 10 has a voice / video playback function for guiding a customer's operation and executing a transaction by playing back a voice or a video. In addition, the unattended contract device 10 has various functions as shown in FIG. The unmanned contract apparatus 10 is installed in various facilities such as a financial institution sales store, a convenience store, and a station premises. Hereinafter, an external configuration and an internal configuration of the unmanned contract apparatus 10 will be described with reference to FIGS.

  FIG. 3 is an explanatory diagram showing an external configuration of the unmanned contract apparatus 10 according to the embodiment of the present invention. FIG. 4 is an explanatory diagram showing an outline of the internal configuration of the unmanned contract apparatus 10 according to the embodiment of the present invention. As shown in FIG. 3, the unmanned contract apparatus 10 includes an autophone 200, a person camera 208, and a proximity sensor 212. 3 and 4, the unmanned contract apparatus 10 further includes an LCD 204 with a touch panel, a card reader / issue unit 216, a certificate scanner 220, a document scanner 224, and a control unit 100. Including. As shown in FIG. 4, unmanned contract apparatus 10 further includes a card cassette 228. The unattended contract device 10 may include, for example, a plurality of card cassettes 228a and 228b as the card cassette 228.

  The control unit 100 executes each transaction by controlling each processing unit in accordance with a customer operation in the unattended contract device 10. Here, the processing unit is a device that performs a part of the transaction processing, and the unattended contract device 10 executes the transaction by processing by a plurality of processing units. Specifically, as an apparatus controlled by the control unit 100, for example, an auto phone 200, an LCD 204 with a touch panel, a person camera 208, a proximity sensor 212, a card reader / issue unit 216, a certificate scanner 220, And document scanner 224. Further, the control unit 100 may control other devices (not shown) included in the unmanned contract device 10. Hereinafter, when it is not necessary to particularly distinguish the devices controlled by these control units 100, the devices controlled by these control units 100 are collectively referred to as processing units. The control unit 100 can control communication of information with the reception center via the dedicated network 34 by a communication unit (not shown).

  The autophone 200 is a telephone that allows a customer to talk with an operator who operates the center terminal 18. For example, when an uncertain point arises in performing a transaction using the unmanned contract apparatus 10, the customer can cancel the unclear point and proceed with the transaction by talking with an operator who operates the center terminal 18 using the autophone 200. it can.

  LCD 204 with a touch panel includes a display unit for displaying a transaction screen and a function as an input unit for receiving a predetermined input. Here, the transaction screen is a screen that displays information related to the transaction, such as information notified to the customer and information for guiding some operation by the customer. Further, the input to the input unit includes, for example, input of information performed by a customer's touch operation. The LCD 204 with a touch panel changes the screen to be displayed by input. 3 shows an example in which the functions of the display unit and the input unit are integrally formed in the unattended contract apparatus 10, the functions of the display unit and the input unit may be formed separately. .

  The person camera 208 is an imaging device that captures customer images. Then, the customer image captured by the person camera 208 is notified to the center terminal 18 by the control unit 100. The operator who operates the center terminal 18 uses the customer's image captured by the person camera 208 to confirm the identity by comparing with the face photograph of the identity confirmation document read by the certificate scanner 220 described later, and there is no suspicious point in the image. Can be confirmed.

  The proximity sensor 212 is a sensor that detects the approach of a customer to the unmanned contract apparatus 10. As described above, the unmanned contract apparatus 10 normally operates in the power saving mode, and operates in the normal operation mode during customer transactions. The approach of the customer to the unmanned contract apparatus 10 detected by the proximity sensor 212 is one of the triggers for switching the processing unit from the power saving mode to the normal operation mode. For example, when the proximity sensor 212 detects the approach of a customer to the unmanned contract apparatus 10, the LCD 204 with a touch panel displays a transaction screen for starting a transaction.

  The card reader / issuance unit 216 performs insertion of a card by a customer and reading of information from the inserted card. Then, the card reader / issuance unit 216 returns the card inserted by the customer. The card reader / issuance unit 216 issues a card by writing information such as customer information and transaction information indicating transaction details on the card when a card is newly issued.

  The certificate scanner 220 reads information described in the certificate by scanning various certificates brought by the customer. The certificate scanner 220 is embedded with a flatbed scanner so that information can be read even when the certificate brought by the customer is a thick medium.

  The document scanner 224 reads information by scanning a document entered by a customer. Further, the document scanner 224 has a collection function for collecting a document entered by a customer and loading it into the unattended contract apparatus 10 and a printing function for printing the document and providing it to the customer.

  The card cassette 228 is loaded with an unused card issued to a customer when a card is newly issued by the card reader / issuance unit 216. The unattended contract device 10 pays out an unused card from the card cassette 228 when issuing the card to the customer, and the card reader / issuance unit 216 writes the information on the card and issues it to the customer.

  Embodiments of the present invention relate to the unmanned contract device 10 described above, and more particularly, to switching processing between the power saving mode and the normal operation mode in the unattended contract device 10. Therefore, in the following, an embodiment of the present invention will be described in detail after describing the switching process between the power saving mode and the normal operation mode in the unmanned contract apparatus according to the comparative example of the present invention.

<2. Unmanned contract device by comparative example>
The unmanned contract device according to the comparative example selects only the processing unit used for the transaction among the processing units of the unattended contract device at the start of the transaction, and supplies the return power to all the selected processing units. Accordingly, the selected processing unit is switched from the power saving mode to the normal operation mode at the start of the transaction. And the unmanned contract apparatus by a comparative example continues supply of the return electric power with respect to the selected process unit until the time of the transaction end which the process by all the process units is complete | finished. Accordingly, the selected processing unit continues to operate in the normal operation mode from the transaction start to the transaction end. Finally, the unmanned contract apparatus according to the comparative example stops supplying the return power to all the selected processing units when the transaction ends, and switches the selected processing unit from the normal operation mode to the power saving mode.

(Organization of issues)
As described above, the unmanned contract apparatus according to the comparative example supplies return power to all the processing units used for the transaction at the start of the transaction. Therefore, the unmanned contract apparatus according to the comparative example has a problem that it supplies unnecessary return power to the unused processing units until the processing units are actually used after the transaction is started. For example, assuming an example in which a certificate scanner is used in the middle of a transaction, an unmanned contract apparatus according to a comparative example performs processing by another processing unit when processing by another processing unit is performed before using the certificate scanner. During this process, unnecessary return power was supplied to the certificate scanner.

  Moreover, the unmanned contract apparatus according to the comparative example stops supplying the return power to all the processing units used for the transaction at the end of the transaction. Therefore, the unmanned contract apparatus according to the comparative example has a problem that unnecessary return power is supplied to the processing unit that has been used until the end of the transaction after the processing by the processing unit is completed. For example, assuming an example in which a certificate scanner is used in the middle of a transaction, the unmanned contract device according to the comparative example performs processing by another processing unit when processing by another processing unit is performed after the use of the certificate scanner is completed. During the process, unnecessary return power was supplied to the certificate scanner.

  Accordingly, the unmanned contract apparatus 10 according to the embodiment of the present invention has been created with the above circumstances taken into consideration. Hereinafter, such an embodiment of the present invention will be described in detail.

<3. First Embodiment>
Hereinafter, a first embodiment of the present invention will be described with reference to FIGS. According to the first embodiment of the present invention, it is possible to supply return power at a timing according to the start of use of the processing unit and to stop supply of return power at a timing according to the end of use of the processing unit. It is. Furthermore, according to the first embodiment of the present invention, it is possible to supply return power to the processing unit at a timing according to the customer's transaction rate.

(Constitution)
FIG. 5 is a functional block diagram showing the configuration of the unmanned contract apparatus 10 according to the first embodiment. As shown in FIG. 5, the unmanned contract apparatus 10 includes a control unit 100 including a timing control unit 104, a transition time measurement unit 108, and an estimation unit 112, a power supply unit 116, a storage unit 120, An LCD 204 with a touch panel, a card reader / issuance unit 216, a certificate scanner 220, and a document scanner 224 are included. The external configuration and the internal configuration of the unmanned contract apparatus 10 are <1. Basic configuration of unmanned contract system>

  In the above description, the devices controlled by the control unit 100 are generically referred to as processing units. However, the card reader / issuance unit 216, the certificate scanner 220, and the scanner 224 are generically referred to as processing units below.

  The power supply unit 116 supplies power to the processing unit. The power supply unit 116 is a power supply device that generates power, or a connector that is supplied with power from an external device connected to the unmanned contract device 10, and a regulator that adjusts the level of power supplied to the processing unit. And a circuit for supplying power to each processing unit. The power supply unit 116 can supply different power to each processing unit, and can supply power to other parts without supplying power to some of the processing units.

  Specifically, the power supply unit 116 supplies return power to, for example, the card reader / issuance unit 216, the certificate scanner 220, and the document scanner 224 that are processing units of the unmanned contract apparatus 10. The processing unit supplied with the return power is switched from the power saving mode to the normal operation mode. The processing unit supplied with the return power continues to operate in the normal operation mode. Therefore, the return power may be regarded as power for the processing unit to operate in the normal operation mode. In addition, when the processing unit is switched from the power saving mode to the normal operation mode, the processing unit may temporarily require power of a magnitude different from that for operating in the normal operation mode. Therefore, the return power may be regarded as power for the processing unit to switch from the power saving mode to the normal operation mode and power for the processing unit to operate in the normal operation mode.

  Further, the power supply unit 116 stops the supply of return power in order to switch the processing unit from the normal operation mode to the power saving mode. Note that the power supply unit 116 can also supply power to the processing unit in the power saving mode. Therefore, the power supply unit 116 stops supplying power for the processing unit to operate in the normal operation mode to the processing unit when stopping the return power, and supplies power for operating the processing unit in the power saving mode. Supply may begin. In addition, when the processing unit is switched from the normal operation mode to the power saving mode, the processing unit may temporarily require power of a magnitude different from that for operating in the power saving mode. Therefore, when the processing unit is switched from the normal operation mode to the power saving mode, the power supply unit 116 supplies power having a magnitude different from the power required for the processing unit to operate in the power saving mode. Electric power for operating in the power saving mode may be supplied.

  The timing control unit 104 controls the return power supply start timing and the return power supply stop timing by the power supply unit 116. The transition time measurement unit 108 measures the transition time from when the LCD 204 with a touch panel displays a transaction screen to when the next transaction screen is displayed. Here, the transition time correlates with the customer's transaction speed. That is, if the transaction speed is fast, the transition time is short, and if the transaction speed is slow, the transition time is long. The estimation part 112 estimates the transition time in the transaction screen which changes after that based on the speed of the customer's transaction speed in the transaction screen which has changed so far at a certain time. The storage unit 120 stores a switching time until the processing unit supplied with the return power to the power supply unit 116 switches from the power saving mode to the normal operation mode, and a processing time by the processing unit for each transaction screen. Here, the processing time refers to an average processing time that is an average of the processing time by the processing unit for each transaction screen in the past transaction.

  In addition, although LCD204 with a touch panel was mentioned above as including the function as a display part which displays a transaction screen, and the input part which receives predetermined | prescribed input, another component may include the function as an input part. For example, the insertion of a card into the card reader / issuance unit 216 may be regarded as an input by a customer. Thus, the card reader / issue unit 216 can include a function as an input unit. In addition, the certificate scanner 220, the document scanner 224, and other components may include a function as an input unit. Further, the input unit may accept input from outside the unattended contract device 10. For example, a communication unit (not shown) may be regarded as the input unit. Then, the center terminal 18 may input information to the communication unit via the dedicated network 34, and the touch panel-equipped LCD 204 may change the screen by input from the center terminal 18.

  Other configurations are <1. Since the basic configuration of the unmanned contract system is as described above, detailed description thereof is omitted here. The configuration of the unmanned contract apparatus 10 has been described above. Below, operation | movement of the unmanned contract apparatus 10 which has the above-mentioned structure is demonstrated. First, with reference to FIGS. 6 and 7, a flow of operation from the transaction start to the transaction end of the unattended contract device 10 will be described. Thereafter, a switching operation of the unmanned contract apparatus 10 for switching between the power saving mode and the normal operation mode will be described with reference to FIGS.

(Transaction behavior)
FIG. 6 is an explanatory diagram showing the first half of a transaction flow in the unattended contract device 10 according to the first embodiment. FIG. 7 is an explanatory diagram showing the latter half of the transaction flow in the unmanned contract apparatus 10 according to the first embodiment. As shown in FIG. 6, the transaction is started when the customer operates the LCD 204 with a touch panel to select a desired transaction. Each element of the flowchart of the unattended contract device 10 shown in FIGS. 6 and 7 indicates the contents of a transaction screen displayed on the LCD 204 with a touch panel. Each element of the flowcharts of the center terminal 18, the host 26, and the examination department terminal 30 shown in FIGS. 6 and 7 indicates the contents of processing performed by the center terminal 18, the host 26, and the examination department terminal 30, respectively. In addition, as shown in FIGS. 6 and 7, the transaction flow is classified into six stages: a reception stage, an application form stage, a certification stage, an examination stage, a contract stage, and an issuance stage. The

[Reception stage]
First, in step S104, the LCD 204 with a touch panel displays a transaction screen indicating that it is connected to the network. At this time, the control unit 100 notifies the connection request to the server 14 through the dedicated network 34. The server 14 notified of the connection request performs incoming control such as confirmation and allocation of the center terminal 18 to which the unattended contract device 10 is connected, and instructs the unattended contract device 10 to connect. Then, the unattended contract device 10 connects to the center terminal 18 instructed by the server 14. When the connection with the unattended contract device 10 is established, the center terminal 18 notifies the operator who operates the center terminal 18 by voice or screen display for notifying the incoming call. At this time, the center terminal 18 displays screen information indicating the transaction screen displayed on the LCD 204 with the touch panel of the connected unmanned contract device 10, terminal information indicating the state of the unattended contract device 10, and the customer photographed by the person camera 208. You will be notified of information such as video. Then, based on the information notified to the center terminal 18, the operator controls transactions in the unmanned contract apparatus 10 by the center terminal 18. When the connection between the unattended contract device 10 and the center terminal 18 is established, the LCD 204 with the touch panel transitions to the next screen.

  Subsequently, in step S108 and step S112, the LCD 204 with a touch panel displays a transaction screen for explaining transaction contents. For example, the LCD 204 with a touch panel displays information on items necessary for a transaction, an explanation of a product for the transaction, and the like. Note that the touch panel LCD 204 transitions from the transaction screen displayed in step S108 to the transaction screen displayed in step S112 by a touch operation by the customer. Hereinafter, it is assumed that the LCD 204 with a touch panel transitions to the next transaction screen by a touch operation by a customer. However, in the following, when the LCD 204 with a touch panel can transit to the next transaction screen by other inputs, the other inputs will be described.

  Thereafter, in step S116, the LCD 204 with a touch panel displays a transaction screen for confirming the use of the transaction by the customer. The contents of the usage confirmation include, for example, consent confirmation regarding the use of the customer's personal information.

  Next, in step S120, the LCD 204 with a touch panel displays a transaction screen that guides the customer to read the cash card. At this time, the card reader / issuing unit 216 is in the normal operation mode. The card reader / issuance unit 216 is in the power saving mode at the start of the transaction, and is in the normal operation mode at the time of step S120. The switching timing of the card reader / issue unit 216 from the power saving mode to the normal operation mode will be described later. The card reader / issuance unit 216 in the normal operation mode reads information stored in the cash card inserted by the customer. Note that the LCD 204 with a touch panel may transition to the next transaction screen when the card reader / issuance unit 216 has finished reading the cash card.

  In step S124, the LCD 204 with the touch panel displays a transaction screen that guides the customer to input the personal identification number. The control unit 100 inquires of the personal identification number input to the LCD 204 with a touch panel by the customer from the host 26 and confirms the personal identification number. Note that the LCD 204 with a touch panel may transition to the next transaction screen when the confirmation of the personal identification number by the host 26 is completed.

[Application form stage]
Next, in step S128, the LCD 204 with the touch panel displays a transaction screen that guides the customer to fill out the application form. At this time, the customer completes the application form. Note that the application form may be printed by the document scanner 224 and provided to the customer in step S128 or prior to the application form stage.

  In step S132, the LCD 204 with a touch panel displays a transaction screen for guiding the customer to the application form set. The document scanner 224 is in the power saving mode at the start of the transaction, and is in the normal operation mode at the time of step S132. The switching timing of the document scanner 224 from the power saving mode to the normal operation mode will be described later. The document scanner 224 in the normal operation mode scans the application set by the customer, thereby reading the information described in the application. Then, the control unit 100 notifies the center terminal 18 of information on the application form read by the document scanner 224. The center terminal 18 checks the information on the notified application form. At this time, if there is no problem with the contents of the application form, the operator accepts the application form. However, if there is a problem with the description content of the application form, the LCD 204 with the touch panel displays a transaction screen for guiding the application form set again or a transaction screen for refusing the transaction. Thus, the LCD 204 with a touch panel may transition to the next transaction screen when the application form check by the center terminal 18 is completed.

  Subsequently, in step S136, LCD 204 with a touch panel displays a transaction screen indicating completion of application form reading. At this time, the document scanner 224 collects the application form whose contents are checked by the center terminal 18 in step S132 and takes it into the unattended contract apparatus 10. Note that the LCD 204 with a touch panel may transition to the next transaction screen when collection of the application form by the document scanner 224 is completed.

[Certificate stage]
Next, in step S140, the LCD 204 with the touch panel displays a transaction screen for guiding the customer to the certificate set. The certificate scanner 220 is in a power saving mode at the start of the transaction, and is in a normal operation mode at the time of step S140. The switching timing of the certificate scanner 220 from the power saving mode to the normal operation mode will be described later. The certificate scanner 220 in the normal operation mode reads the information described in the certificate by scanning the certificate set by the customer. Then, the control unit 100 notifies the center terminal 18 of the certificate information read by the certificate scanner 220. The center terminal 18 checks the information on the notified certificate. At this time, if there is no problem with the contents of the certificate, the operator accepts the certificate. However, if there is a problem with the description content of the certificate, the LCD 204 with the touch panel displays a transaction screen for guiding the certificate set again or a transaction screen for refusing the transaction. As described above, the LCD 204 with the touch panel may transition to the next transaction screen when the certificate check by the center terminal 18 is completed.

  Subsequently, in step S144, the LCD 204 with a touch panel displays a transaction screen indicating completion of certificate reading. The LCD 204 with a touch panel performs a display for guiding the extraction of the certificate on the transaction screen indicating the completion of the certificate reading, and the customer extracts the certificate. Note that the LCD 204 with a touch panel may transition to the next transaction screen when the certificate scanner 220 detects the removal of the certificate by the customer.

[Examination stage]
Next, in step S148, the LCD 204 with a touch panel displays a transaction screen that guides the customer to input attribute information. The attribute information entered by the customer is used by the operator to examine whether the customer is eligible for trading. In FIG. 7, the LCD 204 with a touch panel displays a transaction screen for guiding attribute information input a plurality of times, and the number of times of display is exemplified as 10. However, the number of times of display may be other times or even once. Good.

  Then, in step S152, LCD 204 with a touch panel displays a transaction screen indicating that examination is in progress. At this time, the control unit 100 notifies the center terminal 18 of a request for examination of the attribute information input by the customer in step S148. The operator who operates the center terminal 18 notifies the examination department terminal 30 of the notified attribute information, and requests examination by the operator who operates the examination department terminal 30. The operator who operates the examination department terminal 30 examines the notified attribute information and notifies the operator who operates the center terminal 18 of the examination result. The operator who operates the center terminal 18 notified of the examination result inputs the examination result to the center terminal 18. Then, the center terminal 18 notifies the unattended contract apparatus 10 of the input examination result. In addition to the method of notifying the examination department terminal 30 when requesting examination from the center terminal 18 to the examination department, a method of directly requesting the examination department server is also conceivable. Note that the LCD 204 with a touch panel may transition to the next transaction screen when the examination result is notified by the center terminal 18.

  Subsequently, in step S156, the LCD 204 with a touch panel displays a transaction screen showing the examination result. At this time, in the case where the examination result is a result indicating that the customer does not have a transaction qualification, the transaction proceeds to a transaction flow different from the transaction flow shown in FIG. 7, but the description is omitted below.

[Contract stage]
Next, in step S160, the LCD 204 with a touch panel displays a transaction screen that guides the customer to enter the contract. At this time, the LCD 204 with a touch panel displays a message prompting the customer to fill in the contract with information such as name, address, telephone number, and contract details.

  In step S164, the LCD 204 with the touch panel displays a transaction screen for guiding the customer to the contract set. The document scanner 224 is in a power saving mode at a later-described timing after step S132, but is in a normal operation mode at the time of step S164. The switching timing from the normal operation mode to the power saving mode and the switching timing from the power saving mode to the normal operation mode after step S132 of the document scanner 224 will be described later. The document scanner 224 in the normal operation mode reads the information described in the contract by scanning the contract set by the customer. Then, the control unit 100 notifies the center terminal 18 of the contract information read by the document scanner 224. The center terminal 18 checks the information on the notified contract document. At this time, if there is no problem with the contents of the contract, the financial institution accepts the contract. However, if there is a problem with the contents of the contract, the LCD 204 with the touch panel displays a transaction screen for guiding the contract set again or a transaction screen for refusing the transaction. As described above, the LCD 204 with the touch panel may transition to the next transaction screen when the contract check by the center terminal 18 is completed.

  Subsequently, in step S168, LCD 204 with a touch panel displays a transaction screen indicating completion of contract reading. At this time, the document scanner 224 collects the contract whose contents have been checked by the center terminal 18 in step S164 and loads it into the unmanned contract apparatus 10. Note that the LCD 204 with a touch panel may transition to the next transaction screen when the collection of the contract by the document scanner 224 is completed.

  After that, in step S172, the LCD 204 with the touch panel displays a transaction screen indicating that the contract document is printed. At this time, the document scanner 224 prints and provides the customer with a copy of the contract document that the customer takes home. Note that the LCD 204 with a touch panel may transition to the next transaction screen when printing of the document scanner 224 contract copy is completed. Here, from step S164 to step S172, the document scanner 224 continues to operate in the normal operation mode.

[Issuance stage]
Next, LCD 204 with a touch panel displays the transaction screen which shows loan card issue by step S176. A loan card issuance instruction is notified from the center terminal 18 to the host 26, and the host 26 registers or updates customer information associated with the issuance of the loan card, and notifies the center terminal 18 of the result. The card reader / issuance unit 216 performs a loan card issuance process using an unused loan card loaded in the card cassette 228. Thereafter, the customer receives the issued loan card. The LCD 204 with a touch panel may transition to the next transaction screen when the loan card issuance processing by the card reader / issuance unit 216 is completed. The LCD 204 with a touch panel may transition to the next transaction screen when the card reader / issuance unit 216 detects receipt of a customer's loan card.

  Finally, in step S180, LCD 204 with a touch panel displays a transaction screen indicating the end of the transaction and ends the transaction.

(Preparation for switching operation)
As a preparation for the switching operation, the storage unit 120 stores a switching time when the processing unit to which the return power is supplied switches from the power saving mode to the normal operation mode, and a processing time by the processing unit for each transaction screen.

  FIG. 8 is an explanatory diagram showing processing unit switching time of the unmanned contract apparatus 10 according to the first embodiment. As shown in FIG. 8, for example, the switching time for switching to the normal operation mode after the card reader / issue unit 216 in the power saving mode is supplied with the return power is 2 minutes. The storage unit 120 stores the switching time of the card reader / issuance unit 216, the document scanner 224, and the certificate scanner 220.

  FIG. 9 is an explanatory diagram showing examples of processing unit preparation completion timing, processing time for each transaction screen, and transition time in the transaction flow in the unmanned contract apparatus 10 according to the first embodiment. As shown in FIG. 9, for example, the average processing time on the transaction screen in step S104 is 1 minute 30 seconds. And the memory | storage part 120 memorize | stores the average processing time in the past transaction for every transaction screen as processing time by a processing unit. The preparation completion timing is a timing at which the processing unit enters the normal operation mode.

(Switching operation)
Switching operation of the processing unit from the power saving mode to the normal operation mode is controlled by the timing control unit 104. The timing control unit 104 calculates the supply start timing based on the transaction screen processing time displayed before the transition to the transaction screen in which processing by the processing unit is performed. Specifically, the timing control unit 104 reversely calculates the supply start timing of the return power from the average processing time of the transaction screen displayed before the transition to the transaction screen where the processing by the processing unit is performed. The supply start time is calculated. That is, the timing control unit 104 supplies the time when the total of the average processing time of the transaction screen displayed before the transition to the transaction screen in which processing by the processing unit is performed after the start of supply of the return power becomes the switching time or more. Start timing. Accordingly, the supply start timing is a time at least before the switching time before the time when the processing by the processing unit is started. Hereinafter, control of the start timing of supply of return power by the timing control unit 104 will be described using a specific example.

  For example, the switching timing of the document scanner 224 from the power saving mode to the normal operation mode used in step S132 described above will be described. The switching time of the document scanner 224 is 3 minutes as shown in FIG. And as a transaction screen displayed before step S132, there exists a transaction screen of step S128 first. As shown in FIG. 9, the average processing time on the transaction screen in step S128 is 5 minutes. If 5 minutes, which is the average processing time on the transaction screen in step S128, is calculated backward from 3 minutes, which is the switching time of the document scanner 224, 2 minutes remain. Therefore, the timing control unit 104 sets, for example, two minutes after the transaction screen in step S128 is displayed as the start timing of supply of return power to the document scanner 224. At this time, if the transition time from the transaction screen in step S128 to the next transaction screen in step S132 is 5 minutes, which is the average processing time, the document scanner 224 has the timing to transition to the transaction screen in step S132. Switches to normal operation mode.

  In addition, for example, the timing control unit 104 may set an arbitrary time from the time when the transaction screen of step S128 is displayed until 2 minutes have passed after the display starts as the supply start timing. The timing control unit 104 may start supplying return power to the document scanner 224 at the same time as the transition to the transaction screen in step S128, for example, using the time when the transaction screen in step S128 is displayed as the supply start timing.

  The timing control unit 104 also controls the switching operation of the processing unit from the normal operation mode to the power saving mode. The timing control unit 104 controls the supply stop timing of the return power by the power supply unit 116. Specifically, the timing control unit 104 sets an arbitrary timing after transition to a transaction screen different from the transaction screen displayed during processing by the processing unit in the normal operation mode as the supply stop timing. For example, the timing control unit 104 may set the timing of transition to a transaction screen different from the transaction screen displayed during processing by the processing unit in the normal operation mode as the supply stop timing. Even if the processing of the processing unit has been completed, the processing unit may operate normally while the transaction screen is displayed because the processing may be performed again while the transaction screen is displayed. Continue operation in mode. Hereinafter, control of the stop timing of supply of return power by the timing control unit 104 will be described using a specific example.

  For example, the switching timing of the document scanner 224 from the normal operation mode to the power saving mode used in step S132 described above will be described. As described above, the document scanner 224 is used in step S132 and the next step S136, and is not used in step S140 subsequent to step S136. Therefore, the timing control unit 104 sets the timing of transition from the transaction screen in step S136 to the transaction screen in step S140 as the supply stop timing of the return power to the document scanner 224. In addition, the timing control unit 104 may use any timing after the transition from the transaction screen in step S136 to the transaction screen in step S140 as the supply stop timing of the return power to the document scanner 224.

  The control of the return power supply start timing and supply stop timing by the timing control unit 104 has been described above by taking the switching operation of the document scanner 224 in step S132 as an example. Similarly, the timing control unit 104 controls the supply start timing and supply stop timing of return power to the card reader / issuance unit 216, certificate scanner 220, and document scanner 224 in steps S120, S140, S164, S176, and the like. To do. The document scanner 224 is used twice in steps S132 and S164. The document scanner 224 is switched from the power saving mode to the normal operation mode every time the use is started, and is switched from the normal operation mode to the power saving mode every time the use is completed.

  Further, the unmanned contract apparatus 10 can supply return power to the processing unit at a timing according to the customer transaction speed.

  For this purpose, the transition time measurement unit 108 displays the transition time for each transaction screen from when the transaction screen is displayed until the transition to the next transaction screen of the transaction screen according to input to the LCD 204 with a touch panel. taking measurement. The timing control unit 104 controls the supply start timing based on the transition time measured by the transition time measurement unit 108.

  Specifically, the estimation unit 112 extends or shortens the average processing time on the transaction screen to be transitioned from now on according to the processing speed comparison indicating the comparison result between the average processing time and the transition time on the transaction screen that has been transitioned so far. The estimated processing time is estimated. For example, in a transaction by a customer, there may be a case where the transition time of a transaction screen that has transitioned to a certain point in time is longer than the average processing time. In this case, the estimation unit 112 assumes that the transition time of the transaction screen to be subsequently transitioned similarly takes longer than the average processing time, and estimates the time obtained by extending the average processing time as the estimated processing time. On the other hand, in a transaction by a certain customer, the transition time of the transaction screen that has transitioned up to a certain point in time may be shorter than the average processing time. In this case, the estimation unit 112 assumes that the transition time of the transaction screen that transitions thereafter also takes a shorter time than the average processing time, and estimates the time when the average processing time is shortened as the estimated processing time. Thus, the estimation unit 112 estimates the estimated processing time according to the processing speed comparison indicating the comparison result between the average processing time and the transition time.

  Then, the timing control unit 104 controls the supply start timing based on the switching time and the estimation processing time estimated by the estimation unit 112. Specifically, the timing control unit 104 reversely calculates the return power supply start timing from the estimated processing time of the transaction screen displayed before the transition to the transaction screen where the processing by the processing unit is performed. The supply start time is calculated. That is, the timing control unit 104 supplies the time when the sum of the estimated processing time of the transaction screen displayed before the transition to the transaction screen in which processing by the processing unit is performed after the supply of the return power starts becomes the switching time or more. Start timing. Hereinafter, the control of the return power supply start timing based on the estimated processing time by the timing control unit 104 will be described using a specific example.

  For example, the switching timing of the certificate scanner 220 from the power saving mode to the normal operation mode used in step S140 described above will be described. First, estimation of the estimation processing time by the estimation unit 112 will be described. Here, at the current time, LCD 204 with a touch panel is displaying the transaction screen of step S128. Below, the estimation part 112 shows the example which estimates estimation processing time according to the processing speed comparison in the transaction screen immediately before the transaction screen currently displayed at the present time. In addition, the estimation unit 112 may estimate the estimated processing time according to statistics such as an average value and a median value of processing speed comparisons in a plurality of transaction screens that have transitioned before the current time.

  First, the transition time measured by the transition time measuring unit 108 on the transaction screen in step S124, which is the transaction screen immediately before the transaction screen in step S128 displayed at the current time, is as shown in FIG. 30 seconds. Since the average processing time of the transaction screen in step S124 is 1 minute, the processing speed comparison is ½. Therefore, the estimation unit 112 estimates the estimated processing time on the transaction screen in step S128 as 2 minutes 30 seconds as the product of 5 minutes of the average processing time and 1/2 of the processing speed comparison. Similarly, the estimation unit 112 estimates the estimated processing time on the transaction screen in step S132 as 45 seconds as the product of 1 minute 30 seconds of the average processing time and 1/2 of the processing speed comparison. Similarly, the estimation unit 112 estimates the estimated processing time on the transaction screen in step S136 as 30 seconds as the product of 1 minute of the average processing time and 1/2 of the processing speed comparison.

  Next, the control of the supply start timing according to the switching time and the estimated processing time estimated by the estimation unit 112 by the timing control unit 104 will be described. The switching time of the certificate scanner 220 is 1 minute as shown in FIG. And as a transaction screen displayed before step S140, there exists a transaction screen of step S136 first. As described above, the estimation processing time estimated by the estimation unit 112 for the transaction screen in step S136 is 30 seconds. Even if one minute, which is the switching time of the certificate scanner 220, is calculated backward from 30 seconds, which is the estimated processing time on the transaction screen in step S128, 30 seconds are not sufficient. Accordingly, if the supply of return power to the certificate scanner 220 is started at the same time as the transition to the transaction screen in step S136, the certificate scanner 220 is not in the normal operation mode for 30 seconds after the transition to the transaction screen in step S140. So customer latency occurs. Therefore, the timing control unit 104 controls the supply start timing according to the estimated processing time on the transaction screen in step S132 in addition to step S136.

  As described above, the estimation processing time estimated by the estimation unit 112 for the transaction screen in step S132 is 45 seconds. If one minute, which is the switching time of the certificate scanner 220, is calculated backward from the total value of 30 seconds and 45 seconds, which are estimated processing times on the transaction screens in steps S136 and S132, 15 seconds remain. Therefore, for example, 15 seconds after the transaction screen in step S132 is displayed, the timing control unit 104 sets the return power supply start timing to the certificate scanner 220. In addition, for example, the timing control unit 104 may set an arbitrary time from the time when the transaction screen in step S132 is displayed until 15 seconds have elapsed after the display starts as the supply start timing. Further, the timing control unit 104 may start supply of return power to the certificate scanner 220 at the same time as the transition to the transaction screen in step S132 with the time when the transaction screen in step S132 is displayed as the supply start timing, for example. .

(effect)
As described above, the unattended contract device 10 can supply the return power at a timing according to the start of use of the processing unit without supplying the return power to all of the processing units used for the transaction at the start of the transaction. Therefore, the unattended contract device 10 does not supply unnecessary return power to the processing unit until the processing unit is actually used after the transaction starts.

  Further, the unattended contract device 10 does not continue supplying the return power until the end of the transaction, and stops supplying the return power to the processing unit when the processing by the processing unit is completed. Therefore, the unattended contract device 10 does not supply unnecessary return power to the processing unit from the completion of the processing by the processing unit to the end of the transaction. In addition, the unattended contract device 10 switches between the normal operation mode and the power saving mode every time processing is performed even when the processing unit processes a plurality of times at intervals in one transaction. At this time, the unattended contract device 10 does not supply unnecessary return power to the processing unit until the processing is performed again after the processing of the processing unit is completed.

  Moreover, the unattended contract apparatus 10 can supply the return power to the processing unit at a timing according to the customer transaction speed. Therefore, return power is not supplied to a customer having a transaction rate slower than the average transaction rate at a timing earlier than when the processing unit is actually used. Further, return power is not supplied to a customer having a transaction speed faster than the average transaction speed at a timing later than when the processing unit is actually used. Therefore, even if the transaction is performed by a customer whose transaction rate is higher than the average transaction rate, there is no waiting time for switching the processing unit from the power saving mode to the normal operation mode.

<4. Conclusion>
The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, in the above embodiment, the transition time of the transaction screen is measured at the time of transaction, and the supply start timing of the processing unit in the transaction is controlled based on the measured transition time. However, the present invention is not limited to such an example. For example, the host may store the measured transition time as customer information, and the supply start timing may be controlled based on the transition time stored in the host at the next transaction.

DESCRIPTION OF SYMBOLS 10 Unattended contract apparatus 14 Server 18 Center terminal 22 Branch office terminal 26 Host 30 Examination department terminal 34 Dedicated network 100 Control part 104 Timing control part 108 Transition time measurement part 112 Estimation part 116 Electric power supply part 120 Storage part 200 Autophone 204 LCD with a touch panel
208 Human Camera 212 Proximity Sensor 216 Card Reader / Issuing Unit 220 Certificate Scanner 224 Document Scanner 228 Card Cassette

Claims (9)

A plurality of processing units that perform processing while transitioning the transaction screen displayed on the display unit;
A power supply unit that supplies return power to the processing unit for switching the processing unit from the power saving mode to the normal operation mode;
A timing control unit for controlling the supply start timing of the return power by the power supply unit;
A storage unit that stores a switching time for the processing unit supplied with the return power to switch from the power saving mode to the normal operation mode, and a processing time by the processing unit for each transaction screen;
With
The said timing control part is a transaction apparatus which controls the said supply start timing with respect to the process unit which supplies the said return electric power based on the said switching time and the said processing time memorize | stored in the said memory | storage part.   The transaction apparatus according to claim 1, wherein the supply start timing is at least a time before the switching time with respect to a time at which a process by the processing unit is started.   The said timing control part calculates the time of the said supply start timing based on the processing time of the said transaction screen displayed before changing to the said transaction screen in which the process by the said processing unit is performed, or Claim 1 or 2. Transaction apparatus according to 2. The transaction device
An input unit for receiving a predetermined input;
A transition time measuring unit that measures a transition time from when the predetermined transaction screen is displayed on the display unit until transition to a next transaction screen of the transaction screen according to an input to the input unit;
Further comprising
The transaction device according to claim 1, wherein the timing control unit controls the supply start timing based on the transition time. The transaction apparatus estimates an estimated processing time obtained by extending or shortening the processing time in the transaction screen to be transitioned according to a comparison result between the processing time and the transition time in the transaction screen that has been transitioned so far. And an estimator for
The transaction apparatus according to claim 4, wherein the timing control unit controls the supply start timing based on the switching time and the estimation processing time estimated by the estimation unit. The power supply unit stops supply of return power to switch the processing unit from the normal operation mode to the power saving mode;
The transaction device according to any one of claims 1 to 5, wherein the timing control unit controls a supply stop timing of the return power by the power supply unit.   The transaction apparatus according to claim 6, wherein the supply stop timing is a timing at which a transition to a transaction screen different from the transaction screen displayed during processing by the processing unit in the normal operation mode. Causing a plurality of processing units to perform processing while transitioning the transaction screen displayed on the display unit;
The timing at which the power supply unit starts supplying the return power for switching the processing unit from the power saving mode to the normal operation mode to the processing unit is stored in the storage unit. Control based on a switching time for switching from the power saving mode to the normal operation mode, and a processing time by the processing unit for each transaction screen,
A transaction method comprising: On the computer,
Causing a plurality of processing units to perform processing while transitioning the transaction screen displayed on the display unit;
The timing at which the power supply unit starts supplying the return power for switching the processing unit from the power saving mode to the normal operation mode to the processing unit is stored in the storage unit. Control based on a switching time for switching from the power saving mode to the normal operation mode, and a processing time by the processing unit for each transaction screen,
A program for running

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