JP2017021581A - Transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction device for enabling a foreigner to be inhibited from paying a local currency more than necessary.SOLUTION: An ATM 1 having a function for paying the local currency of a country with the ATM established includes a commodity data reference part 11 for accessing a commodity database 61 including price data of various commodities due to the local currency to refer to the commodity database 61, an operation reception part 13 for receiving an instruction operation by a user, a purchasable commodity extraction part 16 for extracting commodities purchasable with the local currency of a payment amount with a payment instruction with reference to the commodity database by the commodity data reference part 11 when the operation reception part 13 receives the payment instruction of the local currency, and a purchasable commodity notification part 17 for performing purchasable commodity notification for notifying a user of information on the commodities extracted by the purchasable commodity extraction part 16.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a transaction apparatus for paying cash, such as an automated teller machine (ATM), a currency exchange machine, and the like.

  Conventionally, in ATMs capable of depositing currencies in multiple countries, a configuration has been proposed in which guidance screens are displayed on the operation screen in a language corresponding to the type of currency received by identifying the type of currency received. (For example, refer to Patent Document 1).

JP 2011-128804 A

  By switching the guidance language on the operation screen in accordance with the type of currency that has been deposited, as in the ATM described in Patent Document 1, it is possible to facilitate deposit and withdrawal operations by foreigners.

  However, foreigners often have insufficient recognition of prices in the country (local) where the ATM is installed, and may not accurately recognize the exchange rate between their own currency and the local currency. Therefore, when a foreigner withdraws local currency from an ATM, it tends to withdraw local currency more than necessary with a margin.

  This invention is made | formed in view of this background, and it aims at providing the transaction apparatus which can suppress that a foreigner withdraws local currency more than necessary.

The transaction apparatus of the present invention
A transaction device having at least a function of withdrawing the local currency of the country in which it is installed,
An operation reception unit for receiving an instruction operation by a user;
When a withdrawal instruction in the local currency is accepted by the operation accepting unit, a purchaseable commodity notification is made to inform a user of information on a product that can be purchased in the local currency of the withdrawal amount according to the withdrawal instruction. A purchaseable product notification unit is provided.

  According to the present invention, when a foreigner who visits the country where the transaction apparatus is installed performs a withdrawal operation of the local currency to the operation reception unit, the specific amount that can be purchased in the local currency of the withdrawal amount It is possible to determine whether or not the amount of withdrawal in the designated local currency is appropriate. Therefore, it is possible to prevent foreigners from withdrawing local currency more than necessary.

  Here, the local currency is the currency of the country where the transaction device is installed, for example, yen when the country where the transaction device is installed is Japan, and dollar when the country where the transaction device is installed is the United States. It is. Moreover, as notification of product information, notification by display, notification by voice output, or the like can be employed. Moreover, the goods in this invention mean the object of the transaction in a local currency, and contain goods and services.

Explanatory drawing which showed the external appearance of ATM (the transaction apparatus of this invention), and the transaction system containing ATM. The block diagram which shows the structure of ATM. The flowchart which shows the whole process by the control unit with which ATM was equipped. The flowchart of the payment process by a control unit. Explanatory drawing from the initial screen displayed on the display to the input screen of the withdrawal amount. It is explanatory drawing of the display screen of a product which can be purchased, (a) has shown the display state of the product name and number of a product which can be purchased, and a total amount, (b) has shown the display state of the relevant information of a product which can be purchased. . Explanatory drawing of embodiment which switches the display and non-display of a purchaseable goods according to a user's instruction | indication operation.

  An embodiment of the present invention will be described with reference to FIGS. Referring to FIG. 1, an ATM (Automated Teller Machine, which corresponds to the transaction apparatus of the present invention) 1 of the present embodiment is used in, for example, a financial institution store, a shopping center, a retail store, a public facility such as a station or an airport. It is installed and connected to the host computer 60 of the financial institution via the communication network 50.

  The ATM 1 includes a touch panel display 2, a bill entrance / exit 3 a, a coin entrance / exit 4 a, a printer exit 5 a, a card slot 6 a, a passbook slot 7 a, and a speaker 8. In addition, a control unit 10 that controls the overall operation of the ATM 1 is provided inside the ATM 1.

  The touch panel display 2 includes a display 2a (liquid crystal display, CRT, etc.) and a touch panel 2b arranged so as to cover the display 2a. The banknote entrance / exit 3a enters / exits banknotes, and the coin entrance / exit 4a enters / exits money. A transaction slip or the like is sent from the printer exit 5a.

  The card slot 6a inserts and discharges transaction cards (magnetic card, IC card, etc.) possessed by the user, and the passbook slot 7a inserts and discharges the passbook. From the speaker 8, voice guidance or the like is output.

  The host computer 60 holds data (price, sales / provided stores, etc.) information of various products (including goods and services) sold in the country where the ATM 1 is installed (Japan in this embodiment). A product database 61 is provided. The product database 61 may be provided in the ATM 1.

  Next, referring to FIG. 2, in addition to the control unit 10, the ATM 1 includes a banknote deposit / withdrawal unit 3, a coin deposit / withdrawal unit 4, a printer 5, a card handling unit 6, a passbook handling unit 7, and a communication unit. 20 is provided.

  The communication unit 20 communicates with the host computer 60 via the communication network 50. The banknote depositing / withdrawing unit 3 recognizes the deposit amount by identifying the type of the bill inserted into the bill insertion / exit 3a at the time of depositing, and outputs data indicating the recognized deposit amount to the control unit 10. Moreover, the banknote depositing / withdrawing part 3 withdraws the banknote of the amount instruct | indicated by the data received from the control unit 10 at the time of payment to the banknote entrance / exit 3a.

  The coin deposit / withdrawal unit 4 recognizes the deposit amount by identifying the type of the coin inserted into the coin deposit / exit 4a when depositing, and outputs data indicating the recognized deposit amount to the control unit 10. In addition, the coin deposit / withdrawal unit 4 dispenses coins of the amount indicated by the data received from the control unit 10 to the coin deposit / withdrawal port 4a at the time of withdrawal.

  The printer 5 discharges the slip printed with the transaction details indicated by the data received from the control unit 10 from the printer exit 5a. The card handling unit 6 reads the registration information of the user from the transaction card inserted in the card slot 6 a and outputs registration information data to the control unit 10. Further, the card handling unit 6 discharges the transaction card from the card slot 6a at the end of the transaction.

  The bankbook handling unit 7 reads the registration information of the user from the bankbook inserted in the bankbook slot 7 a and outputs registration information data to the control unit 10. Further, the bankbook handling unit 7 writes the transaction contents into the passbook based on the data indicating the transaction contents received from the control unit 10, and discharges the bankbook from the bankbook slot 7a at the end of the transaction.

  The control unit 10 is an electronic circuit unit configured with a CPU, a memory, various interface circuits, and the like (not shown), and the commodity data reference unit 11 is executed by executing a control program for the ATM 1 held in the memory by the CPU. , Guidance notification unit 12 (including the function of the guidance display unit of the present invention), operation reception unit 13, guidance language determination unit 14, card issuing country recognition unit 15, purchaseable product extraction unit 16, and purchaseable product notification unit 17 Function as.

  The product data reference unit 11 uses the communication unit 20 to access the product database 61 provided in the host computer 60 via the network 50, and information on the products that can be purchased in the country where the ATM 1 is installed (price, dealer, Get discount coupons, etc.).

  The guidance notification unit 12 displays a guidance screen for assisting the transaction operation by the user on the display 2 a and outputs a guidance sound from the speaker 8. The configuration in which the guidance notification unit 12 displays the guidance screen on the display 2a corresponds to the guidance display unit of the present invention.

  The operation reception unit 13 is based on an operation signal output from the touch panel 2b (a signal indicating a position on the touch panel 2b touched by the user) and a guidance screen displayed on the display 2a. The instruction operation by is accepted and the content of the instruction operation is recognized.

  The operations of the guidance language determination unit 14, the card issuing country recognition unit 15, the purchaseable product extraction unit 16, and the purchaseable product notification unit 17 will be described later.

  Hereinafter, processing executed by the control unit 10 when the user performs an operation of instructing withdrawal of the local currency according to the flowcharts shown in FIGS. 3 to 4 will be described. In the present embodiment, the case where the ATM 1 is installed in Japan is described as an example, so the local currency is yen.

  STEP 1 in FIG. 3 is processing by the guidance notification unit 12. When the guidance notification unit 12 detects a user with a human sensor (not shown) or when the operation reception unit 13 detects that the user touches the touch panel 2b, the guidance notification unit 12 displays the menu screen (screen 70 shown in FIG. 5). ) Is displayed on the display 2a.

  The following STEP 2 and STEP 20 branched from STEP 2 are processes by the guidance language determination unit 14. When the operation accepting unit 13 accepts an operation of the “LANGUAGE” key 80 displayed on the menu screen (screen 70) in STEP 2, the guidance language determining unit 14 branches to STEP 20 and “determines the guidance language”. Execute the process.

  The guidance notification unit 12 displays the guidance language selection screen (screen 75) shown in FIG. 5 on the display 2a in response to the operation of the “LANGUAGE” key 80. In the guidance language selection screen (screen 75) in FIG. 5, Japanese (Japanese), English (English), and Chinese (Chinese) keys are exemplified as language keys for selecting a guidance language.

  The guidance language determination unit 14 determines the language of the selected language key as the guidance language when any language key is selected by the operation reception unit 13 on the guidance language selection screen. And the guidance alerting | reporting part 12 displays various guidance on the indicator 2a after that using a guidance language.

  The guidance notifying unit 12 displays a menu screen similar to the screen 70 on the display 2a using the guidance language in STEP21, and in the next STEP22, the operation accepting unit 13 displays any transaction item key ("Drawer" key, " When an operation of “Balance inquiry” key, “Deposit” key, etc.) is accepted, the process proceeds to STEP 23 and a card insertion screen is displayed. When the guidance language is determined to be English, the guidance notification unit 12 displays a card insertion screen (screen 76) in English on the display 2a. In subsequent STEP 24, when the transaction card is inserted into the card slot 6a, the process proceeds to STEP 7.

  On the other hand, if the operation accepting unit 13 does not accept the operation of the “LANGUAGE” key 80 in STEP 2 and the operation of any of the transaction item keys is accepted in STEP 3, the process proceeds to STEP 4. In STEP 4, the guidance notification unit 12 displays the card insertion screen (screen 71) shown in FIG. 5 on the display 2a.

  In subsequent STEP 5, when the transaction card is inserted into the card slot 6a, the process proceeds to STEP 6. STEP 6 is processing by the card issuing country recognition unit 15 and the guidance language setting unit. The card issuing country recognition unit 15 sends the user registration data recognized by the data received from the card handling unit 6 to the host computer 60 via the communication network 50 to inquire about the country where the transaction card was issued.

  Based on the response data received from the host computer 60, the card issuing country recognition unit 15 determines whether or not the transaction card has been issued in a foreign country (a country other than the country where the ATM 1 is installed). When the transaction card is issued in a foreign country, the guidance language determination unit 14 determines the language of the country in which the transaction card is issued as the guidance language.

  For example, when the country where the transaction card is issued is the United States, the guidance language determination unit 14 determines English as the guidance language. Hereinafter, a case where English is determined as the guidance language will be described as an example. When it is recognized that the transaction card is issued in a foreign country, English may be determined as the guidance language instead of the language of the country in which the transaction card is issued.

  In STEP 7, the guidance notification unit 12 displays the password input screen (screen 72) shown in FIG. 5 on the display 2a. On the PIN code input screen, the numeric keypad 82 for entering the PIN number, the PIN number display portion 83 indicating the input status of the PIN number, the clear key 84 for deleting the entered number, and the transaction are canceled. A cancel key 85 for confirming and a confirmation key 86 for finally confirming the input password are displayed.

  In subsequent STEP 8, when the input of the password is accepted by the operation accepting unit 13, or when it is recognized by the passbook handling unit 7 that the passbook is inserted into the passbook slot 7a, the process proceeds to STEP9. Then, the control unit 10 executes the transaction selected in STEP 3 in STEP 9, and ends the series of processes according to the flowchart of FIG.

  Next, according to the flowchart shown in FIG. 4, “withdrawal” or “credit” is selected on the menu screen (corresponding to the withdrawal instruction of the present invention), and in STEP 20 or STEP 6 in FIG. With reference to FIG. 14, a withdrawal process in local currency (yen in the present embodiment) executed by the control unit 10 when a foreign language is set as the guidance language will be described.

  At STEP 30 in FIG. 4, the guidance notification unit 12 displays the withdrawal amount input screen (screen 73) shown in FIG. 5 on the display 2 a. In addition to the numeric keypad 82, the clear key 84, the cancel key 85, and the confirmation key 86, the withdrawal amount input screen (screen 73) includes a withdrawal amount display section 87 for displaying the withdrawal amount input by the numeric keypad 82, A yen key 88 for confirming the amount is displayed.

  The user operates the numeric keypad 82 to input a withdrawal amount, and then operates the yen key 88 to determine the withdrawal amount. The control unit 10 waits until the circle key 88 is operated in STEP 31 and advances the process to STEP 32.

  STEP 32 is processing by the purchaseable product extraction unit 16. The purchaseable product extraction unit 16 accesses the product database 61 provided in the host computer 60 via the communication network 50 through the communication unit 20 and is input with reference to the product information held in the product database 61. A product that can be purchased is extracted with a withdrawal amount (10,000 in the example of FIG. 5).

  The subsequent STEP 33 is processing by the purchaseable product notification unit 17. As shown in FIG. 6A, the purchaseable product notification unit 17 lists the products extracted by the purchaseable product extraction unit 16 in the withdrawal amount input screen (screen 90). Is displayed (corresponding to the purchaseable product notification of the present invention). In the purchaseable product list 100, several combinations of product name (product), quantity (quantity), and price (price) are displayed.

  Here, the purchaseable product notification unit 17 displays an advertisement of the product when the operation accepting unit 13 receives a push-down operation of the product name displayed in the purchaseable product list 100 by the user. 2a.

  By the process of STEP 33, the purchaseable product list 100 is displayed on the display 2a, and the guidance display displayed on the display 2a is extracted by the purchaseable product extraction unit 16 for the user who has already visually recognized the display. It is possible to efficiently recognize the information on the sold products.

  In addition, as the purchaseable product notification of the present invention, instead of displaying the purchaseable product list 100 on the display 2a, or together with the display of the purchaseable product list 100 on the display 2a, the contents of the purchaseable product list 100 are displayed. May be output from the speaker 8 by voice.

  Further, the display on the display 2a of the purchaseable product list 100 in STEP 33 may select a foreign language as the guidance language, or the transaction card issuance country may be a foreign country, so that the user may be a foreigner. This is done when it can be determined that the amount of money is high, so it is possible to prevent foreigners from withdrawing local currency more than necessary.

  Further, after the yen key 88 is operated in STEP 31 and the amount to be paid is determined, the processing of STEP 32 to STEP 33 is executed, and the purchaseable product list 100 is displayed on the display 2a. Therefore, it is possible to prevent the purchaseable commodity list 100 from being displayed while the user is inputting the withdrawal amount in the local currency, thereby causing trouble for the user.

  The user who has confirmed the purchaseable product list 100 imagines a specific product that can be purchased with the entered withdrawal amount (10,000 yen is illustrated in FIG. 6A), and the withdrawal amount is reasonable. It can be determined whether or not.

  Then, the control unit 10 determines whether or not an operation of the confirmation key 86 is accepted by the operation accepting unit 13 in STEP 34 through a loop consisting of the next STEP 34 and STEP 40, and accepts an operation of correcting the withdrawal amount in STEP 40. It is determined whether or not.

  The user operates the confirmation key 86 when determining that the input withdrawal amount is appropriate. The withdrawal amount is finally determined by the operation of the confirmation key 86, and the process proceeds from STEP 34 to STEP 35, and the control unit 10 performs a cash payment process by the bill deposit / withdrawal unit 3 or the coin deposit / withdrawal unit 4.

  On the other hand, when the user determines that the input amount is too large for the value he / she thought, the user can operate the clear key 84 and the numeric keypad 82 to correct the amount. Therefore, it is possible to prevent foreigners from withdrawing local currency more than necessary. In response to the operation for correcting the withdrawal amount, the process returns from STEP 40 to STEP 30, and the list of items available for purchase 100 corresponding to the revised withdrawal amount is displayed on the display 2a.

  Processing branches to STEP 50 until the withdrawal process is completed in STEP 36, and the purchaseable product notification unit 17 uses the waiting time associated with the withdrawal process (during communication between the ATM 1 and the host computer 60), and FIG. As shown in FIG. 5, information 102 to 105 related to the products displayed in the purchaseable product list 100 is also displayed. In the example of FIG. 6B, a discount ticket (Discount ticket) for each product is displayed. In the case of transition to a state in communication with the host computer, since a transaction has already been established, a discount coupon for each product is issued as an incentive to the user.

  When the operation accepting unit 13 accepts any of the discount ticket keys 102 to 105, the control unit 10 prints the discount ticket by the printer 5 and discharges it from the printer exit 5a (issue of the discount ticket). ).

  Here, in the flowchart shown in FIG. 4, the purchaseable product list is displayed at STEP33 (screen 90), and the purchaseable product list and related information about the purchaseable product are displayed at STEP50 (screen 91). Only display by any one of STEP50 may be performed. In this case, for example, when the transaction processing by ATM1 is busy, for example, when the processing of displaying the screen 90 by STEP31 to STEP33 is not performed, the operation of the confirmation key 86 is accepted at STEP34 and STEP35. When the withdrawal process is started, the screen 91 may be displayed by STEP 50 until the withdrawal process is completed in STEP 36 (during communication between the ATM 1 and the host computer 60).

  When ATM1 is installed in a shopping mall or store, products sold in the shopping mall or store where ATM1 is installed are preferentially displayed in the purchaseable product list 100, and the product is displayed. A discount voucher may be issued.

  In addition, the user can perform an operation of changing the number in the purchaseable product list 100 shown in FIG. 6A, and the purchaseable product extraction unit 16 can purchase with the amount of money after the change. A product is extracted, and based on the extraction result, the purchaseable product notification unit 17 updates the purchaseable product list 100 displayed on the display 2a.

  In addition, when ATM1 is installed in an airport, a well-known tax shop, etc., and it is assumed that there are many opportunities for foreigners to use, it is possible to purchase the list of products 100 that can be purchased without judging the conditions according to the guidance language or the country of issue of the transaction card. May be displayed on the display 2a.

[Other Embodiments]
As shown in the screen 105 in FIG. 7, a “110 yen can be bought at the amount of yen?” Key 110 is displayed on the withdrawal amount input screen. When the operation of the key 110 is accepted, the purchaseable product list 100 may be displayed as shown on the screen 106. Here, the “in Japanese yen” key 110 corresponds to the yen key 88 on the screen 73, and the amount entered by pressing the “in Japanese yen” key 110 is fixed, so as shown on the screen 106. The purchaseable product list 100 can be displayed.

  In this case, a return (Return) key 111 is displayed on the screen 106, and when the operation receiving unit 13 receives an operation of the return key 111, the display of the purchaseable product list is deleted and the screen 105 is returned to. Good.

  According to the embodiment shown in FIG. 7, only when the user desires to display the purchaseable product list 100, the “in Japanese yen” key 110 can be operated to display the purchaseable product list 100. it can. Therefore, even when the user does not wish, the purchaseable commodity list 100 is displayed uniformly, and it can be prevented that the user feels bothered.

  Moreover, in embodiment mentioned above, although ATM was shown as a transaction apparatus of this invention, this invention is applicable also to a foreign currency exchange machine. In this case, when an operation for instructing the exchange from the foreign currency to the local currency (yen in the present embodiment) is accepted, the display of the purchaseable product list is displayed for the withdrawal amount of the local currency after the exchange amount of the foreign currency is exchanged. It can be set as the structure which performs notification of purchaseable goods, such as.

  DESCRIPTION OF SYMBOLS 1 ... ATM (transaction apparatus), 2a ... Display, 2b ... Touch panel, 3a ... Banknote deposit / withdrawal port, 3 ... Banknote deposit / withdrawal unit, 4a ... Coin deposit / withdrawal unit, 4 ... Coin deposit / withdrawal unit, 5a ... Printer exit, 5 ... Printer, 6a ... Card slot, 6 ... Card handling section, 7a ... Passbook slot, 7 ... Passbook handling section, 8 ... Speaker, 10 ... Control unit, 11 ... Product data reference section, 12 ... Guidance notification section, 13 ... Operation acceptance , 14 ... Guidance language determination part, 15 ... Card issuing country recognition part, 16 ... Purchasable product extraction part, 17 ... Purchasable product notification part, 18 ... Withdrawal amount change part, 60 ... Host computer, 61 ... Merchandise database.

Claims (11)

A transaction device having at least a function of withdrawing the local currency of the country in which it is installed,
An operation reception unit for receiving an instruction operation by a user;
When a withdrawal instruction in the local currency is accepted by the operation accepting unit, a purchaseable commodity notification is made to inform a user of information on a product that can be purchased in the local currency of the withdrawal amount according to the withdrawal instruction. A transaction apparatus comprising a purchaseable product notification unit. An indicator,
A guidance display unit for displaying a transaction guidance for a user on the display,
The transaction apparatus according to claim 1, wherein the purchaseable product notification unit performs a process of displaying information on the product on the display as the purchaseable product notification. The transaction device is an ATM (Automated Teller Machine),
A card issuing country recognition unit for recognizing whether a transaction card possessed by the user is issued in a country other than the country in which the transaction apparatus is installed;
The purchaseable merchandise notifying unit recognizes that the card issuing country recognizing unit recognizes that the transaction card possessed by the user has been issued in a country other than the country in which the transaction apparatus is installed. The transaction apparatus according to claim 1 or 2, wherein notification of possible products is performed. The guidance display unit determines a language used for displaying the guidance according to the instruction operation when a language instruction operation by a user is received by the operation reception unit,
The purchaseable product notification unit notifies the purchaseable product notification when the guidance display unit determines that the language used for displaying the guidance is a language of a country other than the country in which the transaction apparatus is installed. The transaction apparatus according to claim 2, wherein the transaction apparatus performs the transaction.   The said purchaseable goods alerting | reporting part performs the said purchaseable goods alerting | reporting, when the operation which instruct | indicates execution of the said purchaseable goods alerting | reporting is received by the said operation reception part. 4. The transaction apparatus according to any one of 4. The transaction device is a currency exchange machine,
The purchasable product notifying unit receives an instruction operation for depositing a currency in a country other than the country in which the transaction apparatus is installed and withdrawing it in exchange for the local currency by the operation accepting unit. The transaction apparatus according to claim 1, wherein the purchaseable product notification is performed. The transaction device is an ATM (Automated Teller Machine),
The purchaseable merchandise notifying unit, when the operation accepting unit accepts an instruction operation for the withdrawal amount in the local currency by the user, before the instruction operation for final confirmation of the withdrawal amount is accepted 3. The transaction apparatus according to claim 2, wherein the purchaseable product notification is performed.   In the purchaseable product notification unit, the purchaseable product notification unit displays the number of the products and the amount of money for the number on the display, and the operation receiving unit receives an operation instruction to change the number. The transaction apparatus according to claim 7, wherein the number of products displayed by the purchaseable product notification and the amount corresponding to the number are changed according to the number after the change.   The said purchaseable product alerting | reporting part alert | reports the information relevant to the product alert | reported by the said purchaseable product alerting | reporting during the user's waiting time accompanying a payment process. The transaction device according to any one of the above.   The said purchaseable product alerting | reporting part performs the said purchaseable product alerting | reporting, when the operation instruction | indication which fixes the amount of money in the said local currency is received by the said operation reception part. The transaction apparatus according to any one of Items 9. Accessing a product database including price data of various products in the local currency, referring to the product database;
When a withdrawal instruction in the local currency is accepted by the operation accepting unit, the commodity data reference unit refers to the commodity database, and a commodity that can be purchased in the local currency of the withdrawal amount according to the withdrawal instruction. A purchaseable product extraction unit for extraction,
The said purchaseable product alerting | reporting part alert | reports the information of the product extracted by the said purchaseable product extraction part to a user in the said purchaseable product alerting | reporting, Any one of Claims 1-10 characterized by the above-mentioned. The transaction apparatus of Claim 1.