JP2014235565A - Host device and transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To sufficiently enhance convenience of a user accompanied by increasing an installation location of an automatic machine.SOLUTION: When receiving a transaction telegram from an ATM 1 (s31), a host device 2 is configured to: specify a group to which the ATM 1 transmitting the transaction telegram belongs (s32); determine whether or not the group is crowded with a user (s33); when it is determined that the group is crowded with the user, estimate an action range of the user (s35); select a group positioned within the estimated action range of the user and not crowded with the user as a group to be guided to the user (s36); and notify an automatic machine of the selected group.

Description

  The present invention relates to a host device that manages a plurality of automatic machines connected via a network, and a transaction system.

  Conventionally, automatic teller machines (hereinafter referred to as ATMs) that can perform various transactions such as deposit transactions and withdrawal transactions for accounts opened in financial institutions are various types of stores such as financial institution stores and convenience stores. It is installed at the place.

  A general user tends to continue to use an ATM having the same installation location (store or the like). This tendency is due to the user's own life pattern and action range. For this reason, even if the number of ATM installation locations is increased for the purpose of improving user convenience, it is divided into installation locations where many users visit and installation locations where relatively few users visit. End up. That is, users cannot be efficiently distributed to each installation location simply by increasing the ATM installation locations. In other words, the purpose of improving the convenience of the user (reducing the waiting time of the user, etc.) cannot be achieved only by increasing the installation location of the ATM.

  On the other hand, a customer guidance device is installed at the entrance of a store to determine which is faster between a transaction at a current store and a transaction at a neighboring store, and guides the customer (see Patent Document 1). This patent document 1 calculates a waiting time until a transaction is started when a customer visit is detected in a customer guidance device. In addition, a store that can identify a nearby store, calculate the travel time to this nearby store, and wait until the start of transactions at this nearby store, and can trade quickly is either the store that visited or the nearby store Determine whether. And if the store which can be traded early is a store which visited, the waiting time until it can start dealings is guided to a customer. On the other hand, if a store that can be traded early is a nearby store, the customer is informed to that store by notifying the customer of that fact.

JP 2010-44575 A

  However, since patent document 1 is a structure which guides the vicinity store which can be traded quickly to a user, it may guide the vicinity store of the place which remove | deviated from the everyday action | operation range of the user. For a user, a nearby store that is out of the daily range of action is a store that is not suitable for use (an inconvenient store). That is, Patent Document 1 does not guide a user to a store that is convenient for the user.

  In addition, if the guided nearby store is inconvenient for the user, the user does not actively use the store. That is, even if the user is informed of an inconvenient nearby store that is out of the daily action range of the user, the user cannot be efficiently distributed to each ATM installation location. Therefore, the convenience of the user accompanying the increase in the installation location of ATM cannot be improved sufficiently.

  An object of the present invention is to provide a host device and a transaction system that can sufficiently improve the convenience of the user due to an increase in the number of installation places of automatic machines.

  In order to achieve the above object, the host device of the present invention is configured as follows.

  The congestion determination unit determines, for each group in which a plurality of automatic machines connected via a network are grouped at the installation location, whether the group is crowded with users who use the automatic machines. The grouping of the automatic machines is a unit of a place where the automatic machines are used in the order in which the users come, for example, an automatic machine corner unit of a store where one or more automatic machines are installed.

  For example, the congestion determination unit may be configured to determine, for each group, whether or not the group is crowded with users who use the automatic machine based on the transaction interval of each automatic machine belonging to the group. The configuration may be such that, based on the congestion notification notified for each group, it is determined whether the group is congested by users who use automatic machines. Here, the transaction interval is the time from the completion of the previous transaction to the start of the subsequent transaction in two transactions that are continuous in time. Further, the congestion notification referred to here is, for example, a notification of the result of determining whether or not it is congested according to the queue length of the user who uses the automatic machine.

  The behavior range estimation unit estimates the behavior range of the user who is trading with this automatic machine when receiving a message related to the transaction from the automatic machine belonging to the group that the congestion judgment unit has determined to be crowded with the user. To do. The behavior range estimation unit may estimate the user's behavior range based on, for example, the transaction history of the corresponding user stored in the transaction history storage unit.

  A group selection part selects the group guided to this user from the group of the automatic machine installed in the user's action range which the action range estimation part estimated. For example, the group selection unit may be configured to select a group having a minimum distance from the installation location of the automatic machine used by the user (however, a group located within the user's action range). Alternatively, a configuration in which the user has never used an automatic machine (however, a group located within the user's action range) may be selected.

  It is preferable that the group selection unit selects a group to be guided to the user from the groups that are not crowded at the time.

  A notification part notifies the group which the group selection part selected to the automatic machine which transmitted the message | telegram concerning this transaction.

  Thereby, another group located within the user's action range can be guided to a user who uses an automatic machine belonging to the group that is determined to be crowded by the user. . Therefore, the user can be efficiently distributed to each installation location of the automatic machine without guiding the inconvenient group outside the user's action range to the user. As a result, the convenience of the user can be sufficiently improved.

  According to the present invention, the users can be efficiently distributed to each installation location of the automatic machine, so that the convenience of the user accompanying the increase in the installation location of the automatic machine can be sufficiently improved.

It is the schematic which shows the structure of an automatic transaction processing system. It is the schematic which shows the external appearance of ATM. It is a figure which shows the structure of the principal part of ATM. It is a figure which shows the structure of the principal part of a host apparatus. It is a figure which shows the structure of a group management database. It is a figure which shows transaction history data. It is a flowchart which shows operation | movement of ATM. It is a flowchart which shows an operation condition determination process. It is a flowchart which shows group management DB update processing. It is a flowchart which shows a guidance information creation process. It is a flowchart which shows action range estimation processing. It is a flowchart which shows a group selection process. It is a figure which shows the example of a display screen of the guidance information received from the host apparatus in ATM.

  Hereinafter, an automatic transaction processing system according to an embodiment of the present invention will be described.

  FIG. 1 is a schematic diagram showing a configuration of an automatic transaction processing system according to an embodiment of the present invention. In this automatic transaction processing system, a plurality of automatic teller machines 1 (hereinafter referred to as ATM 1) are connected to a host device 2 through a network such as a dedicated line network so that data communication is possible. ATM1 corresponds to the automatic machine referred to in the present invention.

  ATM1 is installed in a store of a financial institution or a convenience store. In FIG. 1, A store, B store, and C store are illustrated, but not all stores in which ATM 1 is installed are illustrated. In addition, ATM1 is grouped by installation location (store installed in this example). However, this grouping is performed in units of installation locations where ATMs 1 are used in the order in which the users come. Therefore, in this grouping, even if it is the same store, if the ATM corner where ATM1 is installed is divided into two places, ATM1 installed in one ATM corner is made into one group. , ATM1 installed in the other ATM corner is made another group. In this grouping, the number of ATMs 1 belonging to one group is not limited. For example, there is a group in which there is one ATM 1 and a group in which there are 10 ATMs. ATM1 processes various transactions such as a deposit transaction and a withdrawal transaction for an account opened in a financial institution in accordance with a user input operation.

  The host device 2 is installed in a center or the like. The host device 2 stores and manages account management information including personal information such as the name and address of the account holder, the balance of the account, transaction history, etc. for each account established in the financial institution. Further, the host device 2 has a function of managing the ATM 1 belonging to the group for each group. Details of the function for managing the ATM 1 will be described later.

  FIG. 2 is a schematic diagram showing the appearance of the ATM, and FIG. 3 is a diagram showing the configuration of the main part of the ATM. The ATM 1 includes a main control unit 10, a display / operation unit 11, a banknote processing unit 12, a coin processing unit 13, a card / detail processing unit 14, a passbook processing unit 15, a biological information reading unit 16, And a communication unit 17.

  The main control unit 10 controls the operation of each part of the ATM1 main body, and processes the type of transaction requested by the user. Further, the main control unit 10 has an operation status determination function for determining whether or not the operation rate of the own device is high. This operating status determination function is a time period between the completion of the previous transaction and the start of the subsequent transaction in two consecutive transactions. For example, the operation status determination function has a predetermined time (for example, about several tens of seconds (10 to 30 seconds). When the degree is less than about)), it is determined that the operating rate is high, and in other cases, it is determined that the operating rate is not high. The ATM 1 notifies the host device 2 as the operating status whether or not the operating rate of its own device is high.

  The display / operation unit 11 includes a display 11a provided on the front surface of the main body, a touch panel 11b attached on the screen of the display 11a, and the like. The display / operation unit 11 displays an operation guidance screen for the user on the display 11a. Further, the display / operation unit 11 detects a user's input operation related to a personal identification number and transaction content (transaction type, deposit / withdrawal amount, etc.) by detecting the pressed position of the touch panel 11b.

  The banknote processing unit 12 processes the deposit / withdrawal banknote. A banknote deposit / withdrawal port 12a for accommodating deposit / withdrawal banknotes is provided on the front face of the main body. The bill deposit / withdrawal port 12a is provided with a shutter. Moreover, the banknote depositing / withdrawing port 12a is provided with the partition plate which distinguishes the storing place of a deposited banknote, a withdrawal banknote, and a return banknote. The banknote processing unit 12 restricts the insertion and removal of banknotes from the banknote deposit / withdrawal port 12a by opening and closing the shutter. Moreover, the banknote process part 12 conveys a banknote along the banknote conveyance path provided in ATM1 main body inside. The banknote conveyance path connects a denomination type cartridge, a recovery cartridge, a temporary storage unit, and a banknote deposit / withdrawal port 12a housed in the ATM1 main body. Moreover, in the middle of a banknote conveyance path, it has the banknote identification part (not shown) which identifies the money type and authenticity of the banknote for every banknote currently conveyed. A banknote identification part identifies a money type and authenticity based on the optical pattern read from the banknote, the magnetic pattern, or the like.

  The coin processing unit 13 conveys coins along a coin conveyance path formed between a coin deposit / withdrawal port 13a provided on the front surface of the main body and a coin cartridge housed inside the main body. Moreover, the coin process part 13 has a coin identification part which identifies a money type and authenticity for every coin currently conveyed along a coin conveyance path.

  The card / detail processing unit 14 takes in a cash card (hereinafter simply referred to as a card) inserted into a card insertion slot 14a provided on the front of the main body, and stores card information (financial information) recorded in the magnetic stripe of the card. Read institution number, store number, account number, etc.) and rewrite card information. If the inserted card is an IC card, the data recorded on the IC chip of the card is read or rewritten as necessary. The IC chip stores biometric information (registered information) of the user who is the owner of the card. Further, the card / detail processing unit 14 has a printing unit (not shown) for printing transaction contents on a form. The card / detail processing unit 14 discharges a form on which transaction contents are printed to a specification release port 14b provided on the front surface of the main body.

  The bankbook processing unit 15 has a printing unit (not shown) that takes in a bankbook inserted into a bankbook insertion port 15a provided on the front of the main body and prints a transaction history with respect to the bankbook. In addition, the passbook processing unit 15 is recorded on a page turning mechanism for turning over the page of the imported passbook, a bar code reader for reading a bar code indicating a page number printed on the passbook, and a magnetic stripe attached to the passbook. It also has a magnetic head or the like that reads the bankbook information (financial institution number, store number, account number, etc.).

  In addition, the biological information reading unit 16 includes a biological information reading sensor 16a provided on the front surface of the main body. This biological information reading sensor 16a reads the finger vein pattern of the user. Here, as the biometric information reading sensor 16a, a sensor that reads a finger vein pattern is taken as an example. However, it may be a sensor that reads other types of biometric information such as palm veins, irises, and retinas. The biometric information reading unit 16 collates the biometric information (read information) of the user read by the biometric information reading sensor 16a with the biometric information (registered information) recorded on the IC chip of the card, and the degree of similarity. To authenticate whether the user and the cardholder are the same person.

  The communication unit 17 controls communication with the host device 2 connected via a network such as a dedicated line network.

  FIG. 4 is a diagram illustrating a configuration of a main part of the host device. The host device 2 includes a control unit 20, a communication unit 21, and a storage unit 22.

  The control unit 20 controls the operation of each part of the host device 2 main body. The communication unit 21 controls communication with the ATM 1 connected via a network such as a dedicated line network.

  The storage unit 22 includes various databases used for managing the connected ATM 1 and managing opened accounts. FIG. 4 illustrates two groups, a group management database 23 (group management DB 23) and a transaction history database 24 (transaction history DB 24).

  FIG. 5 is a diagram showing the configuration of the group management database. The group management DB 23 is a database in which data for managing ATM1 belonging to the group is registered for each group in which ATM1 is grouped. The group management DB 23 associates group numbers, group names, group congestion status, addresses, and ATM data. The group number is a number (code) that identifies the group. The group name is the name of the group, for example, A store, B store, C store. The group congestion status is data (congested or non-congested) data indicating whether the group status at that time is crowded with users. The address is the address (group address) of the place where the ATM 1 belonging to the group is installed. The ATM data is data in which each ATM1 belonging to the group is associated with the machine number of the ATM1 and the operation status. The ATM1 machine number is a number (code) for identifying the ATM1. The operating status is data indicating whether the operating rate of the ATM 1 is high or not, and is updated to the notified status every time the operating status is notified from the ATM 1. In FIG. 5, “high” indicates a state where the operation rate is high, and “−” indicates a state where the operation rate is not high.

  The transaction history DB 24 stores transaction history data shown in FIG. 6 for each opened account. FIG. 6 is a diagram showing transaction history data of an account.

  Transaction history data is a cumulative record of records that correlate usage date, time, store, ATM number, transaction type, transaction amount, and application for each transaction performed on the account. is there. The use date is the date when the transaction was performed, and the time is the time when the transaction was performed. The handling store is a store where ATM1 used for the transaction is installed, and the ATM number is the number of the ATM1 used for the transaction. The transaction type is a transaction type, and the amount is a transaction amount. Application indicates addressed to own bank, addressed to other bank, etc. in the transfer transaction.

  In addition, the storage unit 22 has a customer management DB (not shown) in which the name, address, contact telephone number, account balance, etc. of the account opener are registered for each opened account, and each group in which ATM1 is grouped. Is also provided with a map DB (not shown) and the like.

  Next, the operation of this automatic transaction system will be described.

  FIG. 7 is a flowchart showing the operation of ATM. When the ATM 1 receives an input related to the start of the transaction by the user (s1), the ATM 1 performs an operation state determination process for determining whether the operation rate of the own machine is high (s2). In s1, when input operation concerning selection of the transaction type in the display / operation unit 11 is accepted, or when a card is inserted into the card insertion slot 14a, it is determined that an input concerning the start of the transaction is accepted. Details of the operation status determination process for s2 will be described later.

  ATM1 performs a transaction process in parallel with the operation status determination process concerning s2 (s3). In the transaction processing according to s3, a transaction of a type selected by the user (payment transaction, withdrawal transaction, transfer transaction, etc.) is processed by a known procedure. Since the transaction processing related to s3 is publicly known, detailed description thereof is omitted here.

  In addition, ATM1 notifies the content of the transaction concerning transaction processing to the host apparatus 2 with a transaction message, and completes the transaction processing concerning s3 by receiving a response to the notification of the transaction message from the host device 2. The response from the host device 2 may include guidance information. A process in which the host device 2 transmits guidance information to the ATM 1 will be described later.

  When the guidance information is included in the response from the host device 2 (s4), the ATM 1 outputs this guidance information (s5), and ends this processing (returns to s1). In s5, for example, the display 11a of the display / operation unit 11 displays a screen based on this guidance information. Although details of this guidance information will be described later, it is information for notifying a group that is not crowded with users.

  Next, the operation status determination process of ATM1 concerning s2 mentioned above is demonstrated. FIG. 8 is a flowchart showing the operation rate determination process.

  ATM1 calculates the time (this time is called transaction interval time) until the input concerning the start of the transaction by a user is received by s1 after completion of the process concerning the previous transaction (s11). That is, this transaction interval time is the elapsed time from the completion of the previous transaction to the start of the subsequent transaction in two transactions that are continuous in time.

  The ATM 1 determines whether or not the transaction interval time calculated in s11 is less than a predetermined time (for example, about several tens of seconds (about 10 to 30 seconds)) (s12). If the transaction interval time calculated in s11 is less than the predetermined time, ATM1 determines that the operation rate of its own machine is high (s13). On the other hand, if the transaction interval time calculated in s11 is not less than the predetermined time, ATM1 determines that the operation rate of the own machine is not high (s14).

  ATM1 has memorize | stored in the main control part 10 the last determination result about the operating condition of an own machine. The ATM 1 determines whether or not the current determination result regarding the operating status of the own machine is different from the previous determination result (s15). If the ATM 1 determines that the current determination result regarding the operation status of the own device is different from the previous determination result in s15, the ATM 1 notifies the host device 2 of the current determination result as a change in the operation status of the own device (s16). ).

  The ATM 1 stores the current determination result about the operating status of the own device in s13 or s14 in the main control unit 10 (s17), and ends this process.

  In this example, as described above, the ATM 1 does not notify the host device 2 of the current determination result when it is determined in s15 that the current determination result regarding the operating status of the own machine is not different from the previous determination result. I have to. As a result, the amount of communication between the ATM 1 and the host device 2 (frequency of notification of the operating status from the ATM 1 to the host device) is suppressed, and the load on the group management DB update process of the host device 2 described later is suppressed.

  Next, the group management DB update process of the host device 2 will be described. FIG. 9 is a flowchart showing the group management DB update process.

  The host device 2 waits for an operation status notification from one of the connected ATMs 1 (s21). As described above, the ATM 1 notifies the host device 2 of the current determination result as the operation status when the determination result regarding the operation status of the own machine is different from the previous determination result in s15.

  When receiving the operation status notification from any ATM 1 in s21, the host device 2 updates the operation status stored in the group management DB 23 for the ATM 1 (s22).

  The host device 2 determines whether or not the group to which the ATM 1 whose operating status has been updated in s22 belongs is crowded with users (s23). In s23, for example, when the ratio of ATM1 having a high operation rate in the group is equal to or higher than a predetermined ratio, it is determined that the group is crowded with users. This ratio is preferably 80% or more.

  This percentage may be 100%, but in this case, there is a high possibility that the group is actually crowded with users but it is erroneously determined that the group is not crowded. Become. On the other hand, if this ratio is set low (for example, about 50%), conversely, the group may be erroneously determined to be crowded even though it is not actually crowded with users. Increases nature.

  The host device 2 updates the congestion status of the corresponding group stored in the group management DB 23 to the determination result of s23 (s24). In s24, the congestion status of the group stored in the group management DB 23 may not actually change.

  By performing the processing shown in FIG. 9, the host device 2 can determine, for each group, whether or not the group is crowded with users in real time and store it in the group management DB 23. That is, for each group, the host device 2 can manage in real time whether the group is crowded with users.

  Next, guidance information creation processing in the host device 2 will be described. FIG. 10 is a flowchart showing this guidance information creation processing.

  As described above, ATM1 notifies the host device of the contents of this transaction by a transaction message in the transaction processing according to s3.

  When receiving the transaction message from any connected ATM 1 (s31), the host device 2 specifies the group to which the ATM 1 that has transmitted the transaction message belongs (s32). The transaction message includes at least a machine number for identifying ATM1. The host device 2 can specify the group to which the ATM 1 belongs by using this machine number.

  The transaction message may include a group number indicating the group to which ATM1 belongs. In this case, the group to which ATM1 that has transmitted the transaction message belongs can be specified by this group number.

  The host device 2 determines whether the group specified in s32 is crowded with users (s33). In s33, the group management DB 23 is referred to, and a determination is made based on whether the congestion status of the corresponding group is congested or non-congested. As described above, the group management DB 23 is updated substantially in real time.

  If the host device 2 determines that it is not crowded at s33, it returns a response message notifying that the transaction message has been received to the ATM 1 (s34). The response message returned in s34 does not include guidance information to be described later. The ATM 1 that has received this response message determines that no guidance information has been received in s4 described above.

  If the host device 2 determines that the group specified in s32 is crowded with users, the host device 2 performs behavior range estimation processing for estimating the user's behavior range (s35). FIG. 11 is a flowchart showing this action range estimation process.

  The host device 2 refers to the transaction history data of the user (see FIG. 6), and acquires a group of ATM 1 that has performed the transaction for a predetermined number of transactions (for example, 5 transactions) (s41). In s41, the transaction history data of the user is specified by the account number included in the transaction message received in s31. In addition, the predetermined number of transactions acquired in s41 are recent transactions. Moreover, s41 is good also as a process which acquires the group of ATM1 which traded in predetermined periods, such as the past one month, instead of the number of cases.

  In s41, it is preferable to acquire the ATM1 group including the current transaction.

  The host device 2 extracts from the group acquired in s41 a group that is separated by a predetermined distance (for example, 10 km or more) from the installation location of the ATM 1 in which the transaction is currently performed (s42). When the user conducts a transaction at the ATM1 of the group that is used on a daily basis, the group extracted at s42 is the ATM1 group that the user used on the go such as travel or business trip, On the other hand, when the user conducts a transaction at ATM1 on the go such as travel or business trip, the group extracted at 42 is the ATM1 group that the user uses on a daily basis. Therefore, the group extracted in s42 becomes a factor for estimating a user's action range to be large unnecessarily.

  The host device 2 removes the group extracted in s42 from the group acquired in s41, and determines the remaining group as a processing target group (s43).

  If there is no group extracted in s42, the host device 2 determines the group acquired in s41 as the processing target group.

  If there is one group to be processed (s44), the host device 2 moves the user's action inside a circle with a radius of several kilometers (for example, a radius of 3 km) centering on the installation location of the ATM 1 belonging to the group. The range is estimated (s45).

  Further, if there are two groups not to be processed (s46), the host device 2 sets the inside of the square whose diagonal line connects the installation locations of the ATMs 1 belonging to these two groups as the action range of the user. Estimate (s47).

  Further, if there are three or more groups not to be processed, the host device 2 estimates the inside of a polygon connecting the installation locations of the ATMs 1 belonging to these groups as the action range of the user (s48).

  When the host device 2 estimates the user's action range in s35, the host device 2 performs a guidance group selection process for selecting a guidance group to be guided to the user (s36). FIG. 12 is a flowchart showing this guidance group selection process.

  The host device 2 refers to the group management DB 23, and extracts a group that is located within the user's action range estimated in s35 and is currently not crowded (s51). As described above, the host device 2 updates the congestion status (congestion or non-congestion) of each group in the group management DB 23 in substantially real time.

  If there is no group extracted in s51 (s52), the host device 2 determines that there is no group to guide to the user, and ends this process.

  The group is not extracted in s51 when all the groups located in the user's action range extracted in s35 are crowded with users or other groups in the user's action range extracted in s35. Is not present.

  If there is a group extracted in s51, the host device 2 determines whether there is a group in which the user has never used ATM1 (s53). If the host device 2 determines in s53 that there is no group in which the user has never used ATM1, the group extracted in s51 is the group closest to the installation location of ATM1 in which the transaction is currently being performed. The user is selected as a group to be guided to the user (s55). Since the group selected in s55 is a group that the user has used in the past, the user knows about the existence of this group, but even knows that the group is not crowded with users. Most likely not.

  In addition, if there is a group in which the user has not used ATM1 in the group extracted in s51, the host device 2 performs the current transaction in the group in which the user has not used ATM1. The group closest to the place where ATM1 is being installed is selected as a group for guiding the user (s54). Since the group selected in s54 is located in the user's action range and has never been used, there is a high possibility that the user does not know the selected group.

  When the host device 2 selects the group to be guided to the user in s36, the response message notifying that the transaction message has been received includes the guidance information for guiding the currently selected group to the user and returns it to ATM1. (S37). The response message returned in s37 includes guidance information. The ATM 1 that has received this response message determines that the guidance information has been received at s4 described above, and performs processing to output the guidance information at s5.

  FIG. 13 is a diagram showing an example of a display screen of guidance information received from a host device in ATM. In this example, the position of the group to be guided is shown on a map to the user. Moreover, you may make it show on a map and show two, the installation location of ATM1 currently transacted, and the position of the group to guide. In this way, the user can more easily understand the position of the guided group.

  Thus, according to this example, it is possible to guide a group that is located within the action range estimated for the user and that is not crowded by the user. Thereby, a user can be efficiently distributed to each installation place of ATM1. Therefore, the convenience of the user accompanying the increase in the installation location of ATM 1 can be sufficiently improved.

  In the guidance group selection process shown in FIG. 12, a group in which the user has never used ATM1 (provided that the group is located within the estimated user's action range) is preferentially guided. Therefore, there is a high possibility that the user will inform the user of the group that does not know the existence. Users can be more efficiently distributed to each ATM 1 installation location.

  Moreover, since the user's action range is estimated based on the user's transaction history, it is possible to prevent the user from being guided to a group that is outside the user's action range. That is, useless group guidance for the user can be prevented.

  In addition to the above-described user transaction history, the user's action range may be estimated using the user's home address or work address. In this case, the inside of the square whose diagonal line is the straight line connecting the user's home and work place is the first action range, and the action range estimated based on the user's transaction history is the second action range. The first action range and the second action range may be estimated as the user action range. Moreover, you may estimate the range which the 1st action range and the 2nd action range overlap as this user's action range.

  In addition, the estimation of the user's action range is not limited to the processing according to s44 to s48 described above, and may be set by another method. In particular, in areas where population density is high and groups are dense, such as in urban areas, restrictions are placed so that the area of the estimated action range does not become too large, and conversely the groups are scattered relatively far apart. It is preferable to add a restriction so that the area of the estimated action range is not too small.

  In the above example, the host device 2 determines the congestion status of each group based on the operation status notified from each ATM 1. However, the host device 2 may be configured to notify the congestion status from each group. For example, a camera that captures a queue of users who are lined up to use ATM1 is installed in each group, and the number of users lined up is detected by processing the captured image of the camera. An information processing apparatus such as a personal computer that determines the congestion status may be provided using the number of users and the number of ATMs 1 belonging to this group.

  In this case, the host device 2 only needs to update the group management DB 23 according to the congestion status notified from the information processing device, so the ATM data shown in FIG. 5 need not be stored in the group management DB 23. Further, since it is only necessary to update the group management DB 23 (group congestion status) in response to a notification from the information processing apparatus, the group management DB update process shown in FIG. 9 can be simplified. Furthermore, since each ATM 1 does not need to perform the operation status determination process shown in FIG. 8, the processing load of ATM 1 can be reduced.

  In the above example, the guidance information for notifying a group that is not crowded by the user is displayed by ATM1, but the guidance information may be transmitted to the user's mobile terminal by e-mail. In this way, the step for displaying the guidance information in the transaction processing becomes unnecessary, and an increase in transaction processing time can be suppressed.

  The present invention can be applied not only to the above-described ATM but also to a host device that manages other types of automatic machines capable of performing a transaction desired by a user.

1 ... ATM
2 ... Host device 20 ... Control unit 21 ... Communication unit 22 ... Storage unit 23 ... Group management database 24 ... Transaction history database

Claims (7)

For each group in which a plurality of automatic machines connected via a network are grouped at the installation location, a congestion determination unit that determines whether the group is crowded with users who use the automatic machines,
When the congestion determination unit receives a message related to a transaction from an automatic machine belonging to the group determined to be crowded by the user, an action range estimation unit that estimates the action range of the user who is performing the transaction using the automatic machine When,
A group selection unit for selecting a group to be guided to the user from a group of automatic machines installed within the user's behavior range estimated by the behavior range estimation unit;
A host device comprising: a notification unit for notifying the group selected by the group selection unit to an automatic machine that has transmitted a message relating to the current transaction. Each user has a transaction history storage unit that stores a history of transactions performed by the user with an automatic machine,
The host device according to claim 1, wherein the behavior range estimation unit estimates a behavior range of the user based on a transaction history of the corresponding user stored in the transaction history storage unit.   The group selection unit is a group of automatic machines installed in the user's action range estimated by the action range estimation unit, and from the place of installation of the automatic machine used by the user this time The host device according to claim 1, wherein a group having a minimum distance is selected.   The group selection unit selects a group of automatic machines installed in the user's action range estimated by the action range estimation unit, and the user has never used the automatic machine. The host device according to claim 1 or 2.   The said congestion determination part determines whether the group is crowded with the user who uses an automatic machine based on the transaction interval of each automatic machine which belongs to the group for every group. A host device according to any one of the above.   The host device according to any one of claims 1 to 5, wherein the congestion determination unit determines whether the group is congested by a user who uses an automatic machine based on a congestion notification notified for each group. In a transaction system in which multiple automated machines are connected to a host device via a network,
The host device is
For each group in which a plurality of automatic machines connected via the network are grouped at an installation location, a congestion determination unit that determines whether the group is crowded with users who use the automatic machines,
When the congestion determination unit receives a message related to a transaction from an automatic machine belonging to the group determined to be crowded by the user, an action range estimation unit that estimates the action range of the user who is performing the transaction using the automatic machine When,
A group selection unit for selecting a group to be guided to the user from a group of automatic machines installed within the user's behavior range estimated by the behavior range estimation unit;
A notification unit for notifying the group selected by the group selection unit to an automatic machine that has transmitted a message related to the transaction this time;
Trading system.

Images