JP2017138893A - Automatic transaction device and transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device and a transaction system capable of achieving smooth transactions by enabling a user to acquire information related to transaction content before inputting concrete transaction content.SOLUTION: An automatic transaction device 100 is an automatic transaction device for executing transactions in accordance with operations of a transactor, which comprises: an identification information reception part 11A for receiving identification information of the transactor; a selection reception part for receiving a selective input for selecting desired transactions from one or more designated transactions determined on the basis of customer information as information corresponding to the identification information; and an information presentation part 11B for presenting transaction related information related to the designated transactions on the basis of the customer information.SELECTED DRAWING: Figure 1

Description

The present invention relates to an automatic transaction apparatus and a transaction system.

  Automatic transaction machines such as ATMs (Automated Teller Machines) and cash dispensers (CDs) are installed in branches of financial institutions such as banks and stores such as convenience stores. Has been. The customer can perform transactions such as deposit, withdrawal and balance inquiry by performing various operations on the display screen displayed on the automatic transaction apparatus.

  For example, the automatic transaction apparatus reads the IC, magnetic stripe, and emboss of a transaction card such as a cash card or a credit card inserted from the card insertion / ejection slot at the start of transaction, acquires account data, and proceeds with transaction processing. The automatic transaction apparatus is connected to a host computer such as a financial institution and appropriately communicates with the host computer (hereinafter also simply referred to as a host).

  In the automatic transaction apparatus, for example, a user (customer) selects a desired transaction using a touch panel or the like and proceeds with the procedure. In the conventional automatic transaction apparatus, the user knows the information related to the transaction, for example, the balance or the transfer fee, etc., without actually entering the details of the transaction (the transaction content such as the transaction amount). I could not.

  That is, for example, the user inputs the transaction type, transaction amount, etc. to the automatic transaction apparatus, the automatic transaction apparatus transmits the input information to the host, the host processes the transaction, and the transaction result (for example, Only after sending the transaction success or failure, etc., the user could not obtain information about insufficient balance or necessary fees.

  In addition, since a common transaction acceptance screen is displayed for any user, it is difficult to improve usability and make a smooth transaction.

  The present invention has been made in view of the above points, and enables a user to obtain information related to the transaction content before inputting the specific transaction content, thereby realizing a smooth transaction. One of the objects is to provide an automatic transaction apparatus and a transaction system that can be used.

  An automatic transaction apparatus according to the present invention is an automatic transaction apparatus that conducts a transaction by a trader's operation, and is based on an identification information receiving unit that receives the identification information of the trader, and customer information that is information corresponding to the identification information. A selection receiving unit that receives a selection input for selecting a desired transaction from one or more specified transactions determined in the above, and an information presentation unit that presents transaction-related information related to the specified transaction based on the customer information. And

  Moreover, the transaction system of the present invention is connected to an automatic transaction apparatus that performs a transaction by a trader's operation, and customer information that is connected to the automatic transaction apparatus in a communicable manner and that relates to a trader who operates the automatic transaction apparatus The automatic transaction apparatus includes an identification information receiving unit that receives identification information for identifying the trader, and reception that receives the customer information from the database based on the identification information. A selection accepting unit that accepts a selection input for selecting a desired transaction from one or more designated transactions determined based on the customer information, and information presentation that presents transaction related information related to the designated transaction based on the customer information And a portion.

It is a block diagram which shows the structure of ATM as an automatic transaction apparatus which concerns on this invention. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a perspective view illustrating an appearance of an ATM according to a first embodiment and a diagram illustrating a system including the ATM. It is a flowchart which shows the transaction control routine of Example 1. It is a flowchart which shows the transaction control routine of Example 1. It is a figure which shows the example of a display of a display. It is a figure which shows the example of a display of a display. It is a figure which shows the example of a display of a display. It is a figure which shows the example of a display of a display. It is a figure which shows the example of a display of a display. It is a figure which shows the example of a display of a display. It is a flowchart which shows the transaction control routine of Example 2. It is a figure which shows the example of a display of a display.

  Hereinafter, an automatic transaction apparatus according to a first embodiment of the present invention will be described with reference to the accompanying drawings. FIG. 1 shows a configuration of an ATM (Automated Teller Machine) 100 as an example of an automatic transaction apparatus according to the present invention, and FIG. 2 shows a perspective view showing an appearance of the ATM 100 and a system 200 including the ATM 100. The ATM 100 is installed at each branch of a financial institution, for example, and is connected to a host computer (hereinafter simply referred to as a host) 300 and a CRM server 400 of the financial institution.

  The ATM 100 is controlled by the control unit 11. The control unit 11 is information related to a transaction performed by a trader (hereinafter also referred to as a user) who operates by operating the selection receiving unit 11A and the ATM 100 that accepts an input related to selection of a transaction that the user (customer) wants to perform. It has an information presentation unit 11B that presents information to the user. 11 A of selection reception parts can receive the input regarding selection of the said selected transaction by selecting a predetermined transaction from various transactions based on predetermined information.

  The storage unit 12 as an information holding unit stores data necessary for processing of the control unit 11 and data generated in the processing, such as a hard disk, a flash memory, an SSD (Solid State Drive), a RAM (Random Access Memory), and the like. Device.

  The communication unit 13 is a network interface card (NIC) or the like for performing communication such as data transmission / reception with the outside in accordance with an instruction from the control unit 11. The communication unit 13 communicates with external devices such as a host computer 300 and a CRM server 400 that are generated in transaction control described later, for example. Hereinafter, it is assumed that communication between the ATM 100 and the outside is performed via the communication unit 13.

  The operation display unit 14 is provided on the front surface of the ATM 100 as shown in FIG. The operation display unit 14 includes a display 14A as a notification unit and a touch pad 14B as an input unit that covers the display surface of the display 14A. The display 14A is a transaction screen (transaction selection screen that is a transaction type selection screen and a screen for inputting transaction contents) including various operation screens or messages based on the operation display signal supplied from the control unit 11. For example, a liquid crystal display device.

  When the user touches an area corresponding to the content displayed on the display 14A, the touch pad 14B supplies an operation signal corresponding to the displayed content to the control unit 11, for example, a pressure-sensitive or electrostatic touch. It is a pad.

  The cash deposit / withdrawal mechanism 15 opens and closes the shutters of the bill slot 17 and the coin slot 19 provided on the front surface of the ATM 100 in accordance with the opening / closing control signal supplied from the control unit 11 as shown in FIG. Further, the cash deposit / withdrawal mechanism 15 responds to the cash withdrawal signal supplied from the control unit 11 from the cash hangar (not shown) in which banknotes or coins are stored to the amount indicated by the cash withdrawal control signal. The corresponding banknote or coin is taken out and led out to the banknote slot 17 and the coin slot 19 respectively. Furthermore, the cash deposit / withdrawal mechanism 15 takes in the banknotes or coins that the user has inserted into the banknote slot 17 or the coin slot 19 and stores them in the cash hangar.

  As shown in FIG. 2, the bankbook entry machine 21 takes in a customer's bankbook when it is inserted into a bankbook insertion / extraction port 23 provided on the front surface of the ATM 100. At this time, the bankbook entry machine 21 writes the transaction content indicated by the transaction result signal supplied from the control unit 11 and the execution date and time of the transaction in the customer's bankbook. When the writing is completed, the passbook entry / exit machine 21 discharges the customer's passbook from the passbook insertion / extraction port 23.

  When the customer's transaction card is inserted into the card insertion / ejection slot 27 as the card insertion slot provided on the front surface of the ATM 100 shown in FIG. Read the information stored in the transaction card. This reading is performed by reading the emboss, magnetic stripe or IC chip of the transaction card.

  The information held by the transaction card is, for example, information on the holder of the card, information on a card company issuing the transaction card or a financial institution such as a bank. That is, the said transaction card has the identification information of the trader who operates ATM100. The card reading printer 25 supplies the read card information to the control unit 11.

  Further, when a card discharge signal is supplied from the control unit 11, the card reader / printer 25 discharges the taken transaction card from the card insertion / discharge port 27. Further, the card reading printer 25 prints the transaction result represented by the transaction statement print signal on the statement slip sheet according to the transaction statement print signal supplied from the control unit 11.

  The biometric information receiving unit 28 as the identification information receiving unit includes a fingerprint authentication unit 28A and an imaging device 28B provided on the front surface of the ATM 100 as shown in FIG. The biometric information receiving unit 28 receives biometric information that is identification information of a trader who operates the ATM 100 and supplies the biometric information to the control unit 11.

  For example, the fingerprint authentication unit 28A can read the fingerprint of the finger inserted by the operator into the fingerprint authentication unit. In addition, the imaging device 28B can capture an image of an operator who operates the ATM and can, for example, read the iris of the eye or capture an image of the operator's face to recognize the image.

  The control unit 11 transmits the card information supplied from the card reading printer 25 as the identification information of the transaction to the CRM server, and responds to the CRM server according to the transaction (for example, according to the card holder information). Request customer information, which is information. This customer information is stored in a customer information database (DB) 400A in the CRM server 400.

  In addition, instead of the card information or instead of the card information, the biometric information supplied from the biometric information receiving unit as the transaction information is transmitted to the CRM server 400, and the customer information of the transaction owner who holds the biometric information is stored in the customer. This may be requested to the DB 400A and received. Moreover, the control part 11 identifies a transaction person from card information or biometric information, transmits the identification information obtained by the said identification to customer information DB400A, customer information database (DB) ).

  The customer information is, for example, one or a plurality of designated transactions selected by a customer who is a trader (card holder, etc.) from a plurality of transaction types, or a customer transaction history, a customer transaction orientation, etc. Contains information about transactions. The customer information may also include other information such as the customer's personality, transactions that the customer is interested in, and the like.

  The control unit 11 may generate and display (present) a customer-dedicated transaction screen such as a selection transaction screen dedicated to the customer or a transaction content reception screen based on the customer information. Moreover, the control part 11 may show the information regarding a transaction, and the information with respect to the said customer on a customer exclusive transaction screen based on these customer information.

For example, the selection receiving unit 11A of the control unit 11 displays a transaction displayed on a transaction selection screen for selecting a desired transaction that the user wants to perform from transactions such as “withdrawal”, “deposit”, and “foreign currency time deposit”. Determine candidates. Further, for example, the information presentation unit 11B of the control unit 11 presents information related to the determined transaction candidate such as balance information on the transaction selection screen based on the customer information. In addition, for example, the information presentation unit 11B of the control unit 11 selects the predetermined transfer destination and transfer fee based on the customer information on the transaction content reception screen after the transaction to be executed by the user is selected. Present information about the transactions made.
[Transaction control routine]
Below, the transaction control routine of ATM100 is demonstrated. 3 and 4 show a transaction control routine R1 executed by the control unit 11. FIG. For example, when the power is turned on, the control unit 11 executes the transaction control routine R1. In addition, it is good also as providing a human sensitive sensor etc. in ATM100 and performing a transaction control routine when it detects that the customer approached ATM100.

  As shown in FIG. 3, first, the selection receiving unit 11A of the control unit 11 displays a transaction type input receiving screen on the display 14A (step S1). The transaction type input acceptance screen displayed in step S1 is a display screen that prompts the customer (user) to select and input a transaction to be performed or to insert a transaction card, such as the display shown in FIG.

  In the screen display of FIG. 5, a normal transaction selection button group A1 (in the broken line in the figure) for selecting a transaction such as “deposit” and “withdrawal” and displaying a common screen for all customers is displayed. Has been. In the screen display of FIG. 5, a “My ATM” button A <b> 2 is prepared as a button for transitioning to a screen dedicated to the customer who operates the ATM 100.

  The control part 11 determines whether the transaction card was inserted after execution of step S1 (step S2). This determination may be made by determining whether or not a transaction card has been taken into the card reader / printer 25 from the card insertion / ejection port 27. Specifically, for example, it may be performed based on whether or not a sensor in the card reading printer 25 detects the presence of a transaction card.

  If the control unit 11 determines in step S2 that the card has not been taken in (step S2: NO), whether the transaction type has been selected, specifically, the normal transaction button group A1 (see FIG. 5) is determined (step S3).

  When determining that the transaction type is not selected in step S3 (step S3: NO), the controller 11 determines whether or not the MyATM button A2 (see FIG. 5) is pressed via the touch pad 14B ( Step S4). If it is determined in step S4 that the MyATM button A2 is not pressed, the control unit 11 returns to step S2 and determines again whether or not a card has been inserted.

  If the control unit 11 determines in step S4 that the MyATM button has been pressed (step S4: YES), the control unit 11 displays a card insertion request screen for prompting the customer to insert a card on the display 14A (S5). This card insertion request screen may be, for example, a screen as shown in FIG.

  The control part 11 determines whether the transaction card was inserted after execution of step S5 (step S6). This determination may be performed by determining whether or not a transaction card has been taken into the card reading printer 25 from the card insertion / ejection port 27 as in step S2.

  If it determines with the transaction card not having been inserted in step S6 (step S6: NO), the control part 11 will perform step S6 again, after waiting for a fixed time.

  When it is determined that the transaction card has been inserted in step S2 (step S2: YES) or the transaction unit 11 has been inserted in step S6 (step S6: YES), the control unit 11 determines the magnetic stripe and IC of the transaction card. The chip is read and the card information carried by the transaction card is stored in the storage unit 12 (step S7). As described above, the card information is information on the card holder, information on a card company that issues the transaction card, financial information such as a bank, and the like.

  After executing step S7, the control unit 11 causes the display to display a personal identification number reception screen, which is a screen display prompting the customer to input the personal identification number (step S8). This screen display may be performed, for example, by displaying a numeric keypad as shown in FIG.

  After executing step S8, the controller 11 determines whether or not a correct password has been input on the password reception screen (step S9). If the control unit 11 determines that the password has not been input or that the correct password has not been input (step S9: NO), the controller 11 waits for a predetermined time, and then executes step S9 again.

  Hereinafter, FIG. 4 will be referred to in addition to FIG. When the control unit 11 determines in step S9 that the correct password has been input (step S9: YES), the control unit 11 transmits the card information read in step S7 to the CRM server 400 (see FIG. 2). Customer information, which is information related to the name holder, is requested (step S10).

  The CRM server 400 transmits customer information stored in the customer information database to the ATM 100 in response to a request from the control unit 11. As described above, the customer information is, for example, one or a plurality of designated transactions selected by a customer who is a card holder from a plurality of transaction types and set in advance, or a customer transaction history, a customer transaction orientation, etc. Contains information about transactions.

  In addition, the customer information may include other information such as the customer's personality, transactions that the customer is interested in, and settings for each transaction type. As the setting for each transaction type, for example, in the case of transfer, a predetermined transfer destination is set, and in deposit or withdrawal, a predetermined deposit withdrawal amount (for example, 10,000, 50,000, 100,000) Amount of money).

  After executing step S10, the control unit 11 determines whether customer information has been received from the CRM server 400 (step S11). If the control unit 11 determines in step S11 that customer information has not been received (step S11: NO), the control unit 11 waits for a predetermined time and then executes step S11 again.

  When the information presentation unit 11B of the control unit 11 determines that the customer information has been received in step S11, the information presenting unit 11B is a screen dedicated to the customer who is currently operating the ATM 100, that is, the holder of the transaction card inserted into the ATM 100 (customer). A My ATM screen, which is a certain customer-dedicated transaction selection screen, is displayed (step S12).

  FIG. 8 shows an example of the MyATM screen. At the top of the screen, a customer message display unit B1 (in the broken line in the figure) for displaying a message for the card holder (customer) is provided. In FIG. 8, as an example, a message prompting the change of the cardholder's name and password is displayed. In addition, this message may be a message of a promotion advertisement such as a campaign or an event notice, or may be various other messages such as an important notice to a customer. This message may be a message common to all customers.

  A customer-dedicated transaction button group B2 (inside the broken line in the figure) for displaying the transaction type determined (selected) by the selection receiving unit 11A of the control unit 11 based on the customer information is displayed below the customer message display unit B1. Has been.

  11 A of selection reception parts may determine the transaction contained in this customer exclusive transaction button group B2 based on the transaction classification which the customer contained in customer information selected beforehand and set. Further, the transaction included in the customer-dedicated transaction button group B2 may be determined by the selection receiving unit 11A based on other information such as a customer transaction history included in the customer information. These transactions determined by the selection receiving unit 11A are referred to as designated transactions.

  For example, the selection accepting unit 11A may select a frequently used transaction type as the transaction type button included in the customer-dedicated transaction button group B2 based on the transaction history in the customer information.

  Below the customer-dedicated transaction button group B2, a common information display B3 (inside the broken line in the figure) is displayed as transaction related information. This is a display common to all customers. For example, the balance of the account of a customer who is involved with a high frequency regardless of any procedure is displayed. The balance or the like may be displayed based on balance information that can be included in the customer information.

  Below the common information display B3, a customer-specific information display B4 (inside the broken line in the figure) as transaction related information is displayed. In this customer dedicated information display B4, information related to the transaction is displayed according to the customer information. This information is, for example, information related to one or more of the transactions displayed on the customer-dedicated transaction button group B2. In FIG. 8, as an example, “withdrawal limit” and “balance” are displayed for “withdrawal” during the transaction displayed in the customer-dedicated transaction button group B2. In addition, regarding “Foreign Currency Time Deposits” displayed in the customer-dedicated transaction button group B2, “deposit rate (US $)” indicating the market price, “interest rate (1 month)” indicating interest rate, “interest rate (6 months) ) "And" Interest rate (1 year) "are also displayed.

  In this way, by displaying a customer-specific transaction selection screen that displays only different transactions depending on the customer, for example, a transaction preset (specified / selected) by the customer or a transaction frequently performed by the customer, the customer can smoothly perform the transaction. Can be done.

  Further, by simultaneously displaying information related to the transaction displayed on the selection screen dedicated to the customer, before the customer selects the transaction and determines the transaction content (transaction amount, etc.), that is, the transaction content by the ATM 100 Prior to acceptance, information related to the transaction can be obtained in advance. Therefore, it is possible for the customer to proceed with the transaction smoothly using the information.

  After executing step S12, the control unit 11 determines whether a transaction type has been input (step S13). This determination may be made based on whether or not a button in the customer-dedicated transaction button group B2 is pressed via the touch pad 14B.

When it is determined that the transaction type has not been input (step S13: NO), the control unit 11 waits for a predetermined time and then executes step S13 again. When the control unit 11 determines that the transaction type is input in step S3 (step S3: YES) or determines that the transaction type is input in step S13 (step S13: YES), the control unit 11 and the transaction content ( For example, it waits for input of a transaction amount, a transfer destination, etc. (step S14).
At this time, first, a password input screen (for example, a screen as shown in FIG. 7) is displayed. After the password is input, a reception screen for the selected transaction content as shown in FIG. 9 is displayed. It is also possible to wait for input of transaction details. FIG. 9 shows a screen when a transfer is selected, and shows a selection screen of a transfer destination financial institution as an example. For example, when a financial institution is selected on the screen shown in FIG. 9, the screen changes to an input screen for an account number of a transfer destination.

  After executing step S14, the control unit 11 determines whether or not a correct password and transaction details have been input (step S15). This determination may be made based on whether or not the user has entered a personal identification number and transaction details using the touch pad 14B. Whether the input password is a correct password may be determined based on information in the transaction card or may be determined by inquiring the host computer 300.

  If the control unit 11 determines in step S15 that the password and transaction details have not been input (step S15: NO), after waiting for a predetermined time, the control unit 11 executes step S15 again, and the password and transaction details are input again. It is determined whether or not.

  When the control unit 11 determines that the correct password and transaction details are input in step S15 (step S15: YES), the host 300 stores the card information read in step S7 and the password and transaction content input in step 14. (Step S16).

  After executing step S16, the control unit 11 communicates with the host 300 to determine whether the host 300 has permitted the transaction (step S17). This determination may be made based on whether or not a transaction permission notification has arrived from the host 300. When the control unit 11 determines in step S17 that the host 300 has not permitted the transaction (step S17: NO), the control unit 11 causes the display 14A to display that the transaction cannot be handled (step S18). This display may be, for example, as shown in FIG.

  If it determines with the host 300 having permitted the transaction in step S17 (step S17: YES), the control part 11 will perform a transaction process according to transaction content (step S19). For example, in the case of the withdrawal procedure, the cash deposit / withdrawal mechanism 15 is made to take out banknotes or coins corresponding to the amount included in the transaction contents from a cash hangar (not shown), and the banknote slot 17 and the coin slot 19 to derive.

  The control part 11 performs the completion | finish process of transaction after execution of step S18 and S19 (step S20), and a routine is complete | finished after that. The transaction end processing is, for example, processing of causing the card reading and printing machine 25 to print a statement slip describing the contents of the transaction and causing the card reading and printing device 25 to discharge the transaction card and the statement slip from the card insertion / discharge port 27. It may be the process.

  In the ATM 100 and the system 200 of this embodiment, a transaction selection screen dedicated to the customer is displayed based on the customer information. Further, for example, on this customer-dedicated transaction selection screen, only transactions that are determined (selected) based on customer information and are predicted to be highly likely to be performed by the customer are displayed. For this reason, the customer selects a desired transaction from a limited number of transactions that excludes transactions that are unlikely to be performed from a large number of transactions, so the procedure can be selected smoothly without making unnecessary decisions. And proceed with the process.

  Further, for example, by displaying information related to the determined (selected) transaction on the customer-specific transaction selection screen, the customer knows information related to the transaction in advance before selecting the transaction and entering the transaction details. Can be obtained. As a result, the customer can proceed with the procedure together with the prior information, and the procedure can be performed smoothly.

  Below, the automatic transaction apparatus of Example 2 of this invention is demonstrated, referring an accompanying drawing. In the automatic transaction apparatus according to the second embodiment, the device configuration and system configuration of the automatic transaction apparatus are the same as those of the ATM 100 and the system 200 according to the first embodiment.

In the second embodiment, after a transaction is selected on the customer-dedicated transaction selection screen (for example, the MyATM screen in FIG. 8), the customer ceremonies are also used when accepting the input of the transaction details of the selected transaction. Based on this, a customer-specific transaction content input screen is displayed. For example, when a transfer is selected, a specific transfer destination selected or determined based on customer information is displayed on a customer-dedicated transaction screen.
[Transaction control routine]
FIG. 11 shows a transaction control routine R2 of the ATM 100 according to the second embodiment. Note that the steps up to step S9 are the same as those in FIG. 3 of the transaction control routine R1 described in the first embodiment, and a description thereof will be omitted. Therefore, in the following, the processing after step S10 will be described with reference to FIG. In addition, the routine R2 displays a customer-specific screen display route X that proceeds by displaying a screen dedicated to the cardholder (customer), and a common screen display route Y that proceeds by displaying a screen common to all customers. Have.

  Hereinafter, the customer dedicated screen display route X will be described. If it is determined in step S9 (see FIG. 3) that the correct password has been input (step S9: YES), the control unit 11 transmits the card information read in step S7 to the CRM server 400 (see FIG. 2). And the customer information which is the information regarding the holder of the transaction card is requested (step S10). The CRM server 400 transmits customer information stored in the customer information database to the ATM 100 in response to a request from the control unit 11. As described above, the customer information is, for example, one or a plurality of designated transactions, designated transactions, or customer transaction histories selected by a customer who is the card holder from a plurality of transaction types and set in advance. Contains information about transactions such as transaction orientation.

  In addition, the customer information may include other information such as the customer's personality, transactions that the customer is interested in, and settings for each transaction type. As the setting for each transaction type, for example, in the case of transfer, a predetermined transfer destination is set, and in deposit or withdrawal, a predetermined deposit withdrawal amount (for example, 10,000, 50,000, 100,000) Amount of money).

  After executing step S10, the control unit 11 determines whether customer information has been received from the CRM server 400 (step S11). If the control unit 11 determines in step S11 that customer information has not been received (step S11: NO), the control unit 11 waits for a predetermined time and then executes step S11 again.

  When the control unit 11 determines that the customer information has been received in step S11, the MyATM screen which is a transaction selection screen which is a dedicated screen for the customer who is currently operating the ATM 100, that is, the holder of the transaction card inserted into the ATM 100. Is displayed (step S12). This My ATM screen is the same as that shown in FIG. 8 described in the first embodiment, for example.

  11 A of selection reception parts of the control part 11 determine whether the transaction classification was input after execution of step S12 (step S13). This determination may be made based on whether or not a button in the customer-dedicated transaction button group B2 (see FIG. 8) has been pressed via the touch pad 14B.

  If the selection reception unit 11A of the control unit 11 determines that the transaction type is not input (step S13: NO), the selection reception unit 11A waits for a predetermined time and then executes step S13 again. If it determines with the transaction classification having been input in step S13 (step S13: YES), the control part 11 will wait for the input of a PIN code (step S14-1). In step S <b> 14-1, the control unit 11 may cause the display 14 </ b> A to display a personal identification number reception screen similar to that in FIG. 7 described in the first embodiment.

  After executing step S14-1, the control unit 11 determines whether a correct password has been input (step S15-1). This determination may be made based on whether or not the user has entered a personal identification number and transaction details using the touch pad 14B. Whether the input password is a correct password may be determined based on information in the transaction card or may be determined by inquiring the host computer 300.

  If the control unit 11 determines in step S15-1 that the correct password has not been input (step 15-1: NO), after waiting for a predetermined time, the control unit 11 executes step S15-1 again, and the correct password is input. It is determined whether or not it has been done. At this time, if an incorrect password is entered, it may be notified by the display 14A and the password reception screen may be displayed again.

  When the control unit 11 determines that the correct personal identification number is input in step S15-1 (step S15-1: YES), the information presentation unit 11B responds to the transaction type selected in steps S12-S13. The MyATM transaction screen as a customer-dedicated transaction screen, which is a dedicated transaction content reception screen, is displayed on the transaction card holder (customer) (S16-1).

  As an example of the MyATM transaction screen, FIG. 12 shows a MyATM transaction screen when “Transfer” is selected in steps S12 to S13. At the top of the MyATM transaction screen, a customer message display unit C1 (in the broken line in the figure) for displaying a message for the card holder (customer) is provided.

  In FIG. 12, as an example, the name of the card holder and a message of a promotion advertisement such as a campaign or event notification are displayed. This message may be a message prompting the customer to change the password similar to the MyATM screen of FIG. 8, or various other messages such as important notices to the customer. This message may be a message common to all customers.

Below the customer message display unit C1, based on the transaction type and customer information selected in S12-13, a customer-dedicated transaction content button group C2 determined (selected) by the information presentation unit 11B of the control unit 11 (see FIG. The middle broken line) is displayed. In the example of FIG. 12, transfer destination candidates are displayed. The transaction details button included in the customer-dedicated transaction details button group C2 as the transaction related information is the transaction details preset by the customer included in the customer information. The information presentation unit 11B of the control unit 11 may determine based on the button. Further, the transaction content included in the customer-dedicated transaction button group C2 may be determined by the information presenting unit 11B of the control unit 11 based on other information such as a customer transaction history included in the customer information.

  For example, when the customer has set a specific transfer destination in advance, the setting information is included in the customer information, and the information presenting unit 11B sets the customer-dedicated transaction content button group C2 based on the setting information. The contents may be determined and displayed on the display 14A. Further, for example, in the case of a transfer transaction, in a transaction history included in the customer information, a transfer destination that is frequently selected as a transfer destination by the customer may be selected and displayed.

  Below the customer-dedicated transaction content button group C2, a common information display C3 (inside the broken line in the figure) is displayed as transaction-related information. This is a display that is made in common regardless of which transaction is selected. For example, the balance of the account of a customer who is involved with a high frequency regardless of any procedure is displayed. The balance or the like may be displayed based on balance information that can be included in the customer information.

  Below the common information display C3, a customer-specific information display C4 (inside the broken line in the figure) as transaction related information is displayed. In this customer dedicated information display C4, information related to the selected transaction is displayed according to the customer information. In FIG. 12, as an example, a transfer fee for transferring money to a payee displayed in the customer-dedicated transaction button group C2 is displayed.

  As described above, when information that differs depending on the customer and is suitable for the customer, for example, a transfer procedure, is selected, the transfer destination set in advance (designated / selected) by the customer or the transfer destination that the customer selects frequently as the transfer destination is high. By displaying a customer-dedicated transaction screen that displays, it is possible to eliminate unnecessary input for the customer and allow the transaction to proceed smoothly.

  At the same time, by displaying information related to the transaction selected by the customer based on the customer information, before the customer determines the transaction content (transaction amount, transfer destination, etc.), that is, Prior to acceptance, information related to the transaction can be obtained in advance. Therefore, it is possible for the customer to proceed with the transaction smoothly using the information.

  The common screen display route Y will be described below. If it determines with the transaction type having been selected in step S3 (refer FIG. 3) (step S3: YES), the control part 11 will wait for the input of a PIN (step S14-2). In step S <b> 14-2, the control unit 11 may cause the display 14 </ b> A to display a personal identification number reception screen similar to that in FIG. 7 described in the first embodiment.

  After executing step S14-2, the control unit 11 determines whether a correct password has been input (step S15-2). This determination may be made based on whether or not the user has entered a personal identification number and transaction details using the touch pad 14B. Whether the input password is a correct password may be determined based on information in the transaction card or may be determined by inquiring the host computer 300.

  When the control unit 11 determines in step S15-2 that the correct password has not been input (step 15-2: NO), the control unit 11 waits for a certain period of time and then executes step S15-2 again to input the correct password. It is determined whether it has been done. At this time, if an incorrect password is entered, it may be notified by the display 14A and the password reception screen may be displayed again.

  If it determines with the correct PIN being input in step S15-2 (step S15-2: YES), the control part 11 will display the normal transaction content reception screen common to all the customers (step S16-2). ). The displayed normal transaction reception screen may be, for example, a transaction reception screen (shown as an example in the case where transfer is selected) as shown in FIG. 9 described in the first embodiment.

  The routine after joining the customer-specific screen display route X and the common screen display route Y will be described below. The control part 11 determines whether the transaction content was input after performing step S16-1 and S16-2 (step S17). This determination may be made based on whether or not a transaction content using the touch pad 14B has been input by the user.

  When it is determined that the transaction content is not input in step S17 (step S17: NO), the control unit 11 executes step S17 again after waiting for a predetermined time, and determines whether the transaction content is input again. .

  If it determines with the transaction content having been input in step S17 (step S17: YES), the control part 11 will read the card | curd information read in step S7 (refer FIG. 3), and the password input in step S14-1 and S14-2. The number and transaction contents are transmitted to the host 300 (step S18).

  After executing step S18, the controller 11 communicates with the host 300 to determine whether the host 300 has permitted the transaction (step S19). This determination may be made based on whether or not a transaction permission notification has arrived from the host 300. When determining that the host 300 does not permit the transaction in step S19 (step S19: NO), the control unit 11 causes the display 14A to display that the transaction cannot be handled (step S20). This display may be, for example, as shown in FIG. 10 described in the first embodiment.

  If it determines with the host 300 having permitted the transaction in step S19 (step S19: YES), the control part 11 will perform a transaction process according to transaction content (step S21). For example, in the case of a transfer procedure, the cash input / output mechanism 15 takes in the cash inserted from the banknote input / output port 17 and the coin input / output port 19 and stores it in a cash hangar (not shown). Is transmitted to the host 300.

  The control part 11 performs the completion | finish process of transaction after execution of step S20 and S21 (step S22), and a routine is complete | finished after that. The transaction end processing is, for example, processing of causing the card reading and printing machine 25 to print a statement slip describing the contents of the transaction and causing the card reading and printing device 25 to discharge the transaction card and the statement slip from the card insertion / discharge port 27. It may be the process.

  In the ATM 100 and the system 200 according to the present embodiment, a customer-dedicated transaction content acceptance screen is displayed based on the transaction selected on the customer-dedicated transaction selection screen and customer information. In addition, for example, on this customer-dedicated transaction content acceptance screen, only the transaction content that is determined (selected) based on the customer information and that is likely to be performed by the customer is displayed.

  For this reason, the customer selects a desired transaction from a limited transaction content that excludes a transaction content that is unlikely to be performed from a large number of transaction details, and therefore does not perform selection input and useless judgment. You can select the transaction details smoothly and proceed with the procedure.

  Further, for example, by displaying information related to the transaction selected on the transaction selection screen dedicated to the customer on the transaction content reception screen, the customer can know information related to the transaction in advance before inputting the transaction content. As a result, the customer can proceed with the procedure together with the prior information, and the procedure can be performed smoothly.

  In the above embodiment, several display examples of the MyATM screen, which is a customer-dedicated screen, are shown, but the information displayed on the customer-dedicated transaction screen is not limited to the contents shown in the above example. For example, information that contributes to customer transactions, such as a borrowing limit when borrowing, a repayment balance when repayment, and the like may be displayed on the transaction screen based on the customer information.

  In the above embodiment, the CRM server 400 has the customer information database 400A. However, the customer information database may be in the ATM 100. In this case, the ATM 100 does not need to receive customer information from the outside.

  In the above embodiment, the ATM has been described as an example, but the above configuration and routine can also be applied to other devices that handle transaction cards such as CDs. Further, the transaction card may be another card such as a debit card. Moreover, it can replace with a transaction card and can also use other transaction media, such as a smart phone which has non-contact IC.

  When a non-contact IC is used, instead of inserting the transaction card into the card reading printer 25, information held in the non-contact IC may be read by a non-contact IC reading unit (not shown). . Further, the transaction may be possible using the biometric information received by the biometric information authentication unit 28 described above.

  Moreover, in the routine of the above-described embodiment, the case where the ATM 100 requests customer information from the customer information DB 400A using the identification information of the transaction held by the transaction card is described as an example, but other information is used. Customer information may be requested. For example, information held in another medium such as a non-contact IC may be used as identification information, and customer information may be requested based on the identification information.

 Alternatively, the biometric information received by the biometric information authentication unit 28 described above may be used as identification information, and customer information may be requested based on the identification information. When biometric information is used as identification information, for example, steps S2, S5, and S6 may be changed in the flow shown in FIG.

  Specifically, for example, in steps S2 and S6 of routines R1 and R2, instead of determining whether or not a card has been inserted, it is determined whether or not biometric information has been accepted by the biometric information authentication unit 28. Good. This determination may be made based on, for example, whether or not a fingerprint is read by inserting a finger into the fingerprint authentication unit 28A, or whether or not the iris of the transaction is read by the imaging device 28B.

  Further, for example, in step S5 of routine R1 or R2, a display requesting biometric information such as a fingerprint or an iris may be performed instead of the card insertion request display.

  When biometric information is received by the biometric information authentication unit 28, the biometric information may be transmitted to the CRM server 400 in addition to the card information or instead of the card information. Specifically, for example, in step S10 of routine R1 of FIG. 4 or step S10 of routine R2 of FIG. 11, biometric information is added to the CRM server 400 in addition to card information or instead of card information as transaction identification information. You may send and request customer information.

  The various configurations and routines in the above-described embodiments are merely examples, and can be appropriately selected and changed according to the application.

100 ATM
200 System 300 Host 400 CRM Server 400A Customer Information Database 11 Control Unit 11A Selection Accepting Unit 11B Information Presenting Unit 12 Storage Unit 13 Communication Unit 14 Operation Display Unit 14A Display 14B Touchpad 25 Card Reader / Printer 27 Card Insertion / Ejection Port

Claims (9)

An automatic transaction apparatus for performing a transaction by a trader's operation,
An identification information receiving unit for receiving the identification information of the trader;
A selection receiving unit that receives a selection input for selecting a desired transaction from one or more designated transactions determined based on customer information that is information corresponding to the identification information;
An information presentation unit for presenting transaction-related information related to the designated transaction based on the customer information;
An automatic transaction apparatus comprising:   The automatic transaction apparatus according to claim 1, wherein the information presentation unit presents transaction-related information corresponding to a transaction input by the selection input.   The automatic transaction apparatus according to claim 1 or 2, wherein the customer information is received from an external database via an information communication line based on the identification information.   The said customer information contains the transaction history of the said customer, The said information presentation part presents the said transaction relevant information based on the said transaction history, The Claim 1 characterized by the above-mentioned. Automatic transaction device.   The said selection reception part receives the content input about the content of the said selected transaction, The said information presentation part presents the said transaction relevant information prior to reception of the said content input, The thru | or 2 characterized by the above-mentioned. 4. The automatic transaction apparatus according to any one of 4. An automatic transaction apparatus that performs transactions by the operation of the trader;
The transaction system is connected to the automatic transaction apparatus in a communicable manner, and includes a database having customer information as information on a transaction person who operates the automatic transaction apparatus,
The automatic transaction apparatus includes an identification information receiving unit that receives identification information for identifying the trader;
A receiving unit that receives the customer information based on the identification information from the database;
A selection receiving unit that receives a selection input for selecting a desired transaction from one or more designated transactions determined based on the customer information;
An information presentation unit for presenting transaction-related information related to the designated transaction based on the customer information.   The transaction system according to claim 6, wherein the information presentation unit presents transaction-related information corresponding to a transaction input by the selection input.   The automatic transaction apparatus according to claim 6 or 7, wherein the customer information includes a transaction history of the customer, and the information presentation unit presents the transaction related information based on the transaction history.   The said selection reception part receives the content input about the content of the said selected transaction, and the said information presentation part presents the said transaction relevant information prior to reception of the said content input, or characterized by the above-mentioned. 8. The automatic transaction apparatus according to 8.

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