JP2018032104A - Information providing system, server, information providing program and automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information providing system, a server, an information providing program and an automatic transaction machine capable of providing a piece of useful information to a customer to guide the customer to an ATM of own bank.SOLUTION: Disclosed information providing system include: plural automatic transaction machines each of which carries out a series of predetermined transaction processing and a series of predetermined privilege processing based on predetermined conditions; and a server that provides a piece of information including a piece of useful information including a piece of position information of each automatic transaction machine and a piece of privilege confirmation information necessary for each automatic transaction machine to carry out the privilege processing to each of plural portable terminals.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an information providing system, a server, an information providing program, and an automatic transaction apparatus, and can be applied to, for example, a system that prompts a customer to use an own automatic transaction apparatus managed by a financial institution or the like.

  In recent years, an increasing number of customers use automatic transaction machines (ATMs) installed in stores such as convenience stores. With the increased use of convenience stores and other ATMs, the financial burden of financial institutions on companies operating convenience stores has increased, and it is desirable to induce customers to own ATMs of financial institutions. ing.

  2. Description of the Related Art Conventionally, there is a system in which privilege information corresponding to a customer's store visit frequency is given to the customer to encourage the customer to visit the store (see Patent Document 1).

JP 2009-282766 A

  However, even if the conventional technology as described above is used, before the customer uses the ATM, the customer's own ATM such as a financial institution can be used to effectively provide the customer with useful information that is beneficial to the customer. However, it may be difficult to guide customers to use their own ATM instead of other ATMs.

  Therefore, an information providing system, a server, an information providing program, and an automatic transaction apparatus capable of providing useful information to the customer and guiding the customer to the bank ATM are required.

  In order to solve this problem, an information providing system according to a first aspect of the present invention includes (1) a plurality of automatic transaction apparatuses that perform predetermined transaction processing and perform predetermined privilege processing based on predetermined conditions; 2) A server that provides information including useful information including position information of each automatic transaction device and privilege confirmation information necessary for execution of privilege processing in each automatic transaction device for each of a plurality of mobile terminals. It is characterized by that.

  The server according to the second aspect of the present invention performs predetermined transaction processing for each of the plurality of mobile terminals, and executes position processing of the automatic transaction apparatus that performs predetermined privilege processing and privilege processing in each automatic transaction apparatus. The information provision means which provides the information containing useful information including the privilege confirmation information required for is provided.

  According to a third aspect of the present invention, there is provided an information providing program for performing automatic transaction processing on a plurality of portable terminals, and for performing automatic transaction apparatus position information based on predetermined conditions. And it is made to function as an information provision means which provides the information containing useful information including the privilege confirmation information required for implementation of the privilege process in each automatic transaction apparatus.

  An automatic transaction apparatus according to a fourth aspect of the present invention includes a transaction processing unit that performs predetermined transaction processing and a privilege processing unit that performs predetermined privilege processing based on a predetermined condition.

  According to the present invention, it is possible to provide useful information to a customer and guide the customer to the bank ATM.

It is a block diagram which shows the whole structure of the customer guidance system (information provision system) which concerns on 1st Embodiment, and the internal structure of a server. It is a block diagram which shows the structure of the customer guidance process part in the portable terminal which concerns on 1st Embodiment. It is a block diagram which shows the structure of the control system of ATM which concerns on 1st Embodiment. It is a sequence diagram which shows operation | movement of the useful information notification process which concerns on 1st Embodiment. It is a block diagram which shows the structure of the display screen containing the useful information displayed on the display part of the portable terminal which concerns on 1st Embodiment. It is a sequence diagram which shows operation | movement of the game process using useful information in ATM which concerns on 1st Embodiment. It is a whole block diagram of the customer guidance system (information provision system) which concerns on 2nd Embodiment. It is a block diagram which shows the structure of the display screen containing the useful information displayed on the display part of the portable terminal which concerns on 2nd Embodiment.

(A) 1st Embodiment Below, 1st Embodiment of the information provision system which concerns on this invention, a server, an information provision program, and an automatic transaction apparatus is described in detail, referring drawings.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration and Detailed Configuration of Server FIG. 1 illustrates an overall configuration of a customer guidance system (information providing system) according to the first embodiment and 3 is a configuration diagram showing an internal configuration of a server 3. FIG.

  In FIG. 1, a customer guidance system 9 according to the first embodiment includes an ATM 1, a mobile terminal 2, a server 3, and a host computer 4.

  In addition, in FIG. 1, in order to demonstrate this embodiment easily, the case where there is one ATM1 and the portable terminal 2 is illustrated, but actually there are a plurality of ATM1 and portable terminals 2.

  The mobile terminal 2 is an information processing terminal having a communication function owned by a customer. For example, a smartphone, a tablet terminal, a wearable terminal, a mobile phone, a personal computer, a game terminal, an electronic book terminal, and the like can be applied. For example, in response to an operation by a customer, the mobile terminal 2 downloads dedicated software (application software; also referred to as a customer guidance program) that provides useful information to the customer by a financial institution or the like. Installed.

  The portable terminal 2 acquires useful information of the financial institution that is notified by push from the server 3, and displays the acquired useful information on a display. Further, the mobile terminal 2 notifies the server 3 of its own location information acquired by the GPS function, acquires useful information, or the location of its own ATM in the vicinity of itself (for example, the location of its own ATM on the map). Is displayed.

  In this way, the customer can see the useful information used in the bank ATM, which is notified by push from the server 3, and can have the advantage of using ATM1 of the financial institution. As a result, the customer can be guided to use ATM1 of the financial institution, and the use of own ATM1 can be promoted.

  Here, useful information (hereinafter, also referred to as “useful information”) is information related to a service provided by a financial institution to a customer, and is information for guiding the customer to the bank ATM. More specifically, the useful information is information that can give a privilege to the customer by using the bank ATM. The useful information may include advertisement information related to various financial products provided by financial institutions (for example, information on preferential interest rates on loans, information on insurance, pensions, trusts, etc.).

  Useful information includes a variety of information. For example, information including privilege confirmation information (for example, a password) necessary for executing the privilege processing (for example, a game) in the ATM 1 having the privilege processing (for example, a game function). It is. In this embodiment, the case where privilege confirmation information contains the password required in order to carry out a game in own bank ATM is illustrated.

  The server 3 manages customer information (for example, account information (login ID, password, etc.), name, address, etc.) of the customer who has registered for login, and is useful for the financial institution for the mobile terminal 2 of each customer. Notification (push notification).

  In FIG. 1, the server 3 includes useful information providing means 31, game result management means 32, a first storage unit 33, and a second storage unit 34.

  The hardware configuration of the server 3 includes a CPU, a ROM, a RAM, an EEPROM, an input / output interface, a communication device, etc., as in the existing server, and the CPU executes a processing program stored in the ROM. By doing so, various functions of the server 3 are realized. Various functions of the server 3 may be constructed by installing the processing program in the server 3. In this case, the processing program can be represented by a block diagram of the server 3 in FIG.

  The 1st memory | storage part 33 memorize | stores the customer's customer information of login registration, the positional information on own bank ATM1 of a financial institution, etc. The customer information is information for specifying a customer who is registered for login, and includes, for example, account information such as a login ID and a password, a name, an address, and identification information of the mobile terminal 2. The location information of the own ATM 1 is the location information of the own ATM 1 of the financial institution in order to provide the customer with the own ATM 1 that is close to the location of the mobile terminal 2, and may be, for example, information about an address, or latitude and longitude May be. Further, the ATM 1 position information stored in the first storage unit 33 may store the operating time of each ATM for each ATM 1.

  The useful information providing means 31 includes useful information including position information of the own ATM 1 near the position of the mobile terminal 2 and privilege confirmation information based on the position information notified from the mobile terminal 2 of the customer who is registered for login. Information is provided to the portable terminal 2.

  As illustrated in FIG. 1, the useful information providing unit 31 includes a position information acquisition unit 311, an ATM search unit 312, and a useful information notification unit 313.

  The position information acquisition unit 311 acquires the position information of the mobile terminal 2 notified from the mobile terminal 2.

  The ATM search unit 312 refers to the first storage unit 33 and, based on the location information of the mobile terminal 2 acquired by the location information acquisition unit 311, the location of the own ATM 1 near the location information of the mobile terminal 2. Search for information.

  For example, the ATM search unit 312 searches whether the own ATM 1 exists within a range having a predetermined distance length as a radius centered on the acquired position information of the mobile terminal 2. Further, for example, the ATM search unit 312 searches for whether or not the own ATM 1 exists within a walking distance of a predetermined time from the position information of the mobile terminal 2 using the map information. In the latter case, for example, the own ATM 1 exists at a position within a predetermined time (for example, within 5 minutes) based on a distance obtained by following the route on the map from the position of the mobile terminal 2 and a predetermined walking speed. It can be realized by determining whether or not to do.

  The useful information notification unit 313 push-notifies information including useful information to the mobile terminal 2 when the ATM search unit 312 searches for the own ATM 1 near the position of the mobile terminal 2.

  The useful information notifying unit 313 issues a password as useful information and stores the password in the second storage unit 34. As a method for issuing a password, the operation side of the server 3 may issue a password manually, or may issue a random password using a random number generator or the like.

  Here, a method of push notification of useful information will be described. When the server 3 makes a push notification to the mobile terminal 2, the server 3 may make a push notification of useful information each time position information is notified from the mobile terminal 2. However, depending on the number of notifications of location information from the mobile terminal 2, the number of notifications of useful information from the server increases, the notification bandwidth of the entire network increases, and the appeal to customers who frequently receive push notifications is also reduced. there is a possibility.

  Therefore, the useful information notification unit 313 may include a notification frequency limit function that pushes useful information. For example, the notification restriction function may not notify the mobile terminal 2 that has notified the useful information a predetermined number of times (for example, once) within one day. Further, for example, the useful information may not be notified from a date when the useful information notifying unit 313 notifies the mobile terminal 2 of useful information until a predetermined period (for example, 3 days).

  As another notification method, the first storage unit 33 is associated with the ATM 1 operating time for each ATM 1, and is useful when the ATM search unit 312 searches for the own ATM 1 near the position of the mobile terminal 2. The information notification unit 313 may push notification of useful information to the mobile terminal 2 when the current time is the operating time of the ATM 1 searched.

  In response to a request from the ATM 1, the game result management means 32 confirms the validity of the input password in order to execute the game at the ATM 1, and the game result executed at the ATM 1 and the customer who played the game. Information is managed in association with each other.

  As shown in FIG. 1, the game result management unit 32 includes a password confirmation unit 321, a game result acquisition unit 322, and a game result registration unit 323.

  The password confirmation unit 321 obtains the password entered by the customer in the ATM 1 from the ATM 1, refers to the second storage unit 34, collates whether the input password is valid, and obtains the collation result Notify ATM1. If the input password is correct, it will be the subject of this campaign, so a game in ATM1 can be implemented. If the input password is incorrect, it will be out of the current campaign, so the game in ATM1 cannot be executed. However, since the password may be entered incorrectly, the password confirmation unit 321 may request the ATM 1 to re-enter the password when the entered password is incorrect.

  When the input password is correct, the game result acquisition unit 322 acquires the game result executed in the own ATM 1 from the ATM 1.

  The game result registration unit 323 associates the game result acquired by the game result acquisition unit 322 with the customer information of the customer who executed the game using a password as useful information in the ATM 1 in the second storage unit 34. Remember. At this time, if the game result is a win, the customer is registered as a winner.

  Here, various prizes that can be provided by financial institutions can be widely applied to the prizes given to the customers who have won the prize. For example, prize money, interest rate preferential treatment of various loans provided by financial institutions, Various coupons or prizes to be provided, and fees (for example, ATM usage fee, transfer fee, etc.) related to the use of the bank ATM can be free or low.

  The ATM 1 is an automatic transaction apparatus installed in a store such as a financial institution, and performs transaction processing such as a deposit transaction, a withdrawal transaction, a transfer transaction, a balance inquiry, a passbook entry, etc. in response to an operation by a customer. The ATM 1 exchanges a telegram related to the transaction with the host computer 4 and completes the transaction selected by the customer.

  The ATM 1 has a game function as a service provided to the customer. For example, after the transaction with the host computer 4 is completed, the ATM 1 receives an operation by the customer and executes the game. There are no particular restrictions on the type and content of the game installed in ATM1, and various games such as lottery, playing cards, fortune-telling, sports-related, etc. are possible as long as the game results in “winning” or “out of game” results. Anything can be applied.

  When the host computer 4 acquires a message including the transaction type and transaction content from the ATM 1, the host computer 4 executes a transaction process for the specified transaction type.

(A-1-2) Detailed Configuration of Mobile Terminal 2 FIG. 2 is a block diagram illustrating a configuration of the customer guidance processing unit 20 in the mobile terminal 2 according to the first embodiment.

  The mobile terminal 2 downloads the customer guidance program and installs the customer guidance program, thereby realizing the customer guidance processing unit 20 illustrated in FIG.

  Note that the hardware configuration of the mobile terminal 2 includes a CPU, ROM, RAM, EEPROM, input / output interface, communication device, and the like, and the CPU implements the customer guidance processing unit 20 by executing the customer guidance program. To do.

  The customer guidance processing unit 20 performs a position positioning function, a map information display function, and the like in conjunction with already installed software (for example, a GPS function, a map display function, etc.) in the mobile terminal 2. Also good.

  In FIG. 2, the customer guidance processing unit 20 of the mobile terminal 2 includes a position measurement unit 21, a position information notification unit 22, a useful information display unit 23, and an ATM map display unit 24.

  The position measurement unit 21 measures the position of the mobile terminal 2. The position measurement unit 21 functions as, for example, a GPS receiver, acquires position information (latitude and longitude) of the mobile terminal 2 from a GPS satellite (not shown), or, for example, a base station located in the vicinity of the mobile terminal 2 The position information (not shown) is acquired from the base station.

  Here, the position measurement unit 21 can set / change the acquisition timing and notification timing of the position information of the mobile terminal 2 in the setting of software (application software) as a customer guidance program, for example. For example, during the activation of the customer guidance program, it can be set so that the position measurement unit 21 sequentially acquires the position information of the portable terminal 2, and the position measurement unit 21 acquires the position information of the portable terminal 2 every predetermined time. Can be set as follows.

  The position information notification unit 22 notifies the server 3 of the position information of the mobile terminal 2 acquired by the position measurement unit 21.

  The useful information display unit 23 acquires useful information from the server 3 and displays the useful information on the display unit (display) of the mobile terminal 2.

  When the ATM map display unit 24 receives an instruction to display the position of a nearby ATM 1 by the customer's operation on the mobile terminal 2, the ATM map display unit 24 displays the position of the ATM 1 on the map. As described above, the map may be displayed on the display unit of the portable terminal 2 in conjunction with the map function installed in the portable terminal 2, and the position of the ATM 1 may be displayed on the map.

(A-1-3) Detailed Configuration of ATM1 FIG. 3 is a block diagram showing the configuration of the control system of ATM1 according to the first embodiment.

  In FIG. 3, the ATM 1 according to the first embodiment includes a game processing unit 11, a transaction control unit 12, a mechanism control unit 13, a display unit 14, and a communication unit 15.

  The transaction control unit 12 controls transaction processing (for example, deposit transaction, withdrawal transaction, transfer transaction, etc.) that can be executed in the ATM 1. The transaction control unit 12 exchanges a message including information related to the transaction with the host computer 4 through the communication unit 15 to perform transaction processing.

  The mechanism control unit 13 controls a banknote deposit / withdrawal mechanism, a coin deposit / withdrawal mechanism, a card deposit / withdrawal mechanism, a passbook deposit / withdrawal mechanism and the like mounted on the ATM 1.

  The display control unit 14 controls a display screen displayed on an operation display unit (not shown) in the ATM 1.

  The communication unit 15 exchanges information with the host computer 4 through the network 6 and exchanges information with the server 3 through the network 5. Although only one communication unit 15 is shown in FIG. 3, in actuality, the communication unit 15 is provided by distinguishing an interface connected to the network 6 and an interface connected to the network 5.

  The game processing unit 11 performs predetermined game processing after the transaction is established by the transaction control unit 12.

  As shown in FIG. 3, the game processing unit 11 includes a condition matching unit 111, a password acquisition unit 112, a game execution unit 113, and a game result notification unit 114.

  When there is a condition set when the game using the privilege confirmation information is performed, the condition matching unit 111 determines whether or not the condition is satisfied.

  For example, in order to implement a game, conditions can be given. This condition can be applied to various conditions. For example, at this time, the ATM 1 performs a withdrawal transaction (for example, a withdrawal transaction) or a deposit transaction (for example, a deposit transaction) of a predetermined amount or more. The game is not executed within a predetermined day from the game execution date. In addition, in order to implement a game, it is not essential to give conditions, and you may make it not give conditions.

  When the condition acquisition unit 111 determines that the condition is satisfied, the password acquisition unit 112 displays a password input screen on the operation display unit (not shown) of the ATM 1 as privilege confirmation information included in useful information. Prompt for the password of, and get the input password. In addition, the password acquisition unit 112 transmits the input password to the server 3 through the communication unit 15 so that the server 3 can determine whether or not the input password is correct.

  The game execution unit 113 executes a game process when the server 3 determines that the input password is correct.

  The game result notifying unit 114 transmits the game result obtained by being executed by the game executing unit 113 to the server 3 through the communication unit 15.

(A-2) Operation of First Embodiment Next, the operation of customer guidance processing in the customer guidance system 9 according to the first embodiment will be described in detail with reference to the drawings.

  Below, the operation | movement of the useful information notification process in which the server 3 notifies useful information to the portable terminal 2 and the operation | movement of the game process using the password contained in useful information in ATM1 are demonstrated.

  FIG. 4 is a sequence diagram illustrating an operation of useful information notification processing according to the first embodiment.

  In FIG. 4, it is assumed that software (application software) as a customer guidance program is installed in the mobile terminal 2. In the portable terminal 2, the position measurement unit 21 acquires the position information (latitude and longitude) of the portable terminal 2 measured by the GPS satellite (S 1), and the position information notification unit 22 obtains the position information of the portable terminal 2 on the server 3. (S2).

  In the server 3, the position information acquisition unit 311 acquires the position information notified from the mobile terminal 2. The ATM search unit 312 refers to the first storage unit 33 and searches for the location information of the own ATM 1 near the location information of the mobile terminal 2 based on the location information of the mobile terminal 2 (S3).

  Here, the ATM search unit 312 determines whether or not the own ATM 1 exists within a predetermined range centering on the position of the mobile terminal 2. If the own ATM 1 exists near the mobile terminal 2, the process proceeds to S <b> 4. To do. If there is no self-run ATM 1 near the mobile terminal 2, the process does not proceed to S4, but waits for the next position information reception from the mobile terminal 2.

  In the server 3, the useful information notification unit 313 push-notifies information including useful information to the mobile terminal 2 when the ATM search unit 312 searches for the own ATM 1 near the position of the mobile terminal 2. (S4).

  In the portable terminal 2, when the useful information display unit 23 obtains useful information including the password from the server 3, the useful information is displayed on the display unit of the portable terminal 2 (S5). By the operation, the position of the nearby ATM is displayed on the display unit (S6).

  FIG. 5 is a configuration diagram illustrating a configuration of a display screen including useful information displayed on the display unit of the mobile terminal 2 according to the first embodiment.

  In FIG. 5, useful information 50 displayed on the display unit of the mobile terminal 2 includes a guidance unit 51, a condition unit 52, a password display unit 53, an ATM map display button 55, and a close button 56.

  In the guidance section 51, a guidance sentence informing the customer of useful information is displayed. For example, “XX Bank ATM is nearby. A fee is better than other bank / convenience store ATMs. Is displayed on the screen.

  In the condition part 52, conditions necessary for executing the game are displayed. For example, a condition such as “You can play with a withdrawal or deposit of 10,000 yen or more” is displayed.

  In the password display section 53, a password necessary for executing the game is displayed in the own ATM 1, and for example, “password 1234” or the like is displayed.

  The ATM map display button 54 is a button for displaying, on the display unit of the mobile terminal 2, a map indicating the position of the ATM near the current position of the mobile terminal 2. When the ATM map display button 54 is selected by the customer, a map indicating the position of the own ATM 1 is displayed.

  The close button 55 is a button for closing the display screen displayed on the display unit of the mobile terminal 2.

  As described above, by notifying the mobile terminal 2 of the useful information pushed from the server 3, the customer can know the useful information provided by the financial institution, and is necessary for the game implementation in ATM1. You can know your password.

  FIG. 6 is a sequence diagram showing an operation of game processing using useful information in the ATM 1 according to the first embodiment.

  FIG. 6 illustrates a case where the customer performs a withdrawal transaction at ATM1.

  A customer who knows useful information goes to ATM 1 of a financial institution and selects a withdrawal transaction in ATM 1 (S11). The withdrawal transaction process in ATM1 is the same as the existing process, a card or a passbook is inserted into ATM1 (S12), the withdrawal amount is input on the display screen in ATM1, and the withdrawal amount is confirmed by the customer ( S13). In ATM1, the input transaction content is notified to the host computer 4, and the host computer 4 executes a withdrawal transaction based on the transaction content (S15), and the withdrawal transaction is completed (S14).

  When the withdrawal transaction is completed at ATM1, for example, a display screen including a selection button for selecting game execution is displayed on the operation display section of ATM1, and when the selection button is selected by the customer, the password input screen is operated. Displayed on the display.

  The password notified to the mobile terminal 2 is input by the customer on the password input screen, and the password acquisition unit 112 notifies the server 3 of information including the input password. In addition, a condition relating to game execution is set in the ATM 1, and the condition checking unit 111 determines whether or not the current transaction content satisfies the condition (S16).

  When the server 3 acquires the input password from the ATM 1, the password confirmation unit 321 refers to the second storage unit 34 and confirms whether or not the input password acquired from the ATM 1 is valid (S17). Here, in addition to the input password, the information notified to the server 3 by the ATM 1 may include, for example, information about the customer such as the customer's name, store number, and account number.

  If the input password is not valid, the server 3 notifies the ATM 1 that the input password is not valid, and the ATM 1 displays on the operation display section that the game cannot be executed.

  If the input password is valid, the server 3 notifies the ATM 1 that the input pass W-add is valid, and the ATM 1 displays a game execution screen on the operation display unit. In ATM1, the game execution unit 113 executes the game (S18).

  When a game is executed in ATM 1 and a game result is obtained, the game result is displayed on the operation display unit. At this time, the game result notifying unit 114 notifies the server 3 of information including the game result (S19).

  In the server 3, when the game result notified from the ATM 1 is acquired, the game result and the information related to the customer are associated and registered in the second storage unit 34 (S20).

  The information registered in the second storage unit 34 includes, for example, game results, customer information (for example, name, store number, account number, etc.), date and time information on the game, and identification information of the ATM 1 that has executed the game. You may make it include a part or all.

  In the server 3, when the information related to the game result is registered in the second storage unit 34, a customer whose game result is a win is searched by an operation of an operator or the like, and 10,000 yen is stored in the account of the customer. Transfer money.

  When the server 1 notifies the ATM 1 that the information related to the game result has been registered, the ATM 1 discharges the card or passbook (S21), and the cash relating to the withdrawal is discharged (S22).

(A-3) Effects of the first embodiment Conventionally, depending on the contents of a contract, when an ATM installed in a store such as a convenience store is used, a financial institution is provided to a company that operates a convenience store or the like. Has been made to pay a fee. For this reason, when many ATMs at convenience stores are used, the financial burden on financial institutions increases accordingly.

  According to the first embodiment described above, the merit of using the bank's own ATM can be made known to customers, and a special feeling can be given by notifying the password for executing the game. Customers can be guided to their ATMs.

  In addition, according to the first embodiment, since the position of a nearby own ATM can be displayed, it is possible to inform the customer of the merit of using the own ATM while reducing the burden of moving to the own ATM.

(B) 2nd Embodiment Next, 2nd Embodiment of the information provision system which concerns on this invention, a server, an information provision program, and an automatic transaction apparatus is described in detail, referring drawings.

  In the second embodiment, for example, useful information is notified to a customer using SNS (Social Network King Service), e-mail, or the like. In this embodiment, a case where useful information is provided to a customer who uses SNS through SNS is exemplified, but useful information may be provided by e-mail to the customer's mail address. .

(B-1) Configuration of Second Embodiment FIG. 7 is an overall configuration diagram of a customer guidance system (information providing system) 9A according to the second embodiment.

  In FIG. 7, a customer guidance system 9A according to the second embodiment includes an ATM 1, a mobile terminal 2, a host computer 4, a server 7, and an SNS application server 8.

  FIG. 7 illustrates the case where there is one ATM 1 and one portable terminal 2 in order to easily explain this embodiment, as in the first embodiment. There are ATM 1 and portable terminal 2.

  In the second embodiment, the ATM 1 and the host computer 4 have the same functions as those in the first embodiment, and thus detailed descriptions of the functions of the ATM 1 and the host computer 4 are omitted.

  The SNS application server 8 is an application server that provides SNS.

  The server 7 is a terminal that provides useful information in the SNS provided by the SNS application server 8. The financial institution management terminal 7 notifies the SNS in order to notify the customer who has transferred the SNS of useful information provided by the financial institution.

  The server 7 includes the game management unit 32 and the second storage unit 34 described in the first embodiment.

  In the same way as in the first embodiment, the game result management means 32 confirms the validity of the input password in order to execute the game at the ATM 1 in response to a request from the ATM 1, and is executed at the ATM 1. A game result and customer information for playing the game are associated with each other and managed.

  The game result management means 32 includes a password confirmation unit 321, a game result acquisition unit 322, and a game result registration unit 323, as in the first embodiment. In addition, since the password confirmation part 321, the game result acquisition part 322, and the game result registration part 323 have a function similar to 1st Embodiment, detailed description here is abbreviate | omitted.

  The mobile terminal 2 is an information processing terminal having a communication function owned by a customer, as in the first embodiment. The customer is registered in the SNS provided by the SNS application server 8 and can browse information provided by the SNS application server 8 through the mobile terminal 2.

(B-2) Operation of the Second Embodiment The financial institution is registered to use the SNS provided by the SNS application server 8, and information provided by the financial institution is disclosed through the SNS.

  Further, it is assumed that the customer is registered to use the SNS provided by the SNS application server 8, and the customer can use the SNS through the portable terminal 2 and can browse information provided by the financial institution. .

  The financial institution provides useful information in the SNS through the server 7. At this time, a password as a useful information provided by the financial institution (a password necessary for executing the game) is stored in the second storage unit 34.

  The SNS application server 8 publishes useful information provided by the financial institution on the SNS, and the customer browses useful information of the financial institution at the SNS through the mobile terminal 2.

  FIG. 8 is a configuration diagram illustrating a configuration of a display screen including useful information displayed on the display unit of the mobile terminal 2 according to the second embodiment.

  As shown in FIG. 8, useful information 60 displayed on the display unit of the mobile terminal 2 includes a guidance unit 61, a condition unit 62, a password display unit 63, and an ATM display unit 64.

  In the guidance section 61, a guidance sentence informing the customer of useful information is displayed. For example, a guidance sentence such as “A fee is advantageous compared with other banks / convenience store ATMs. Is displayed.

  In the condition part 62, conditions necessary for executing the game are displayed. For example, a condition such as “A game can be made with a withdrawal or deposit of 10,000 yen or more” is displayed.

  In the password display unit 63, a password necessary for executing the game is displayed in the own ATM 1, and for example, “game password 1234” or the like is displayed. FIG. 8 illustrates a case where a password is displayed on the password display unit 63. However, the present invention is not limited to this. The password is not displayed on the password display unit 63, the URL of the Web page displaying the password is displayed on the password display unit 63, and the URL of the Web page is displayed by a customer operation. The password may be displayed by selecting and accessing the Web page.

  In order to display the position of the own ATM 1, the ATM display unit 64 displays, for example, the map information indicating the ATM 1 position and the URL of the Web page indicating the list of the own ATM 1.

  FIG. 8 illustrates a case where the URL of a Web page indicating a list of own ATM 1 is displayed on the ATM display unit 64. When a URL is selected by a customer's operation, a web page indicating the location of ATM1 is displayed on the mobile terminal 2, and the customer can know the location of ATM1.

  The ATM display unit 64 can also display the position of the ATM 1 on the map. For example, the position of the ATM 1 is displayed on the map in conjunction with the map display function installed in the mobile terminal 2. You may do it. At this time, the position of the mobile terminal 2 may be displayed on the map by the map function, and the ATM 1 located in the vicinity of the mobile terminal 2 may be displayed on the map.

  As described above, the customer can know useful information provided by the financial institution through the SNS, and can know a password necessary for executing the game in ATM1.

  Next, in ATM1 which concerns on 2nd Embodiment, the operation | movement of the game process using useful information is demonstrated using FIG. 6 of 1st Embodiment.

  FIG. 6 illustrates a case where the customer performs a withdrawal transaction at ATM1.

  A customer who knows useful information goes to ATM 1 of a financial institution, selects a withdrawal transaction at ATM 1 (S11), a card or a passbook is inserted into ATM 1 (S12), and the withdrawal amount is input at ATM 1. The withdrawal amount is confirmed by the customer (S13). In ATM1, the input transaction content is notified to the host computer 4, and the host computer 4 executes a withdrawal transaction based on the transaction content (S15), and the withdrawal transaction is completed (S14).

  When the withdrawal transaction is completed at ATM1, for example, a display screen including a selection button for selecting game execution is displayed on the operation display section of ATM1, and when the selection button is selected by the customer, the password input screen is operated. Displayed on the display.

  On the password input screen, the password learned through the SNS is input by the customer, and the password acquisition unit 112 notifies the server 7 of information including the input password. In addition, a condition relating to game execution is set in the ATM 1, and the condition checking unit 111 determines whether or not the current transaction content satisfies the condition (S16).

  When the server 7 acquires the input password from the ATM 1, the password confirmation unit 321 refers to the second storage unit 34 and confirms whether the input password acquired from the ATM 1 is valid (S17). Here, in addition to the input password, the information notified to the server 3 by the ATM 1 may include, for example, information about the customer such as the customer's name, store number, and account number.

  If the input password is not valid, the server 7 notifies the ATM 1 that the input password is not valid, and the ATM 1 displays on the operation display section that the game cannot be executed.

  If the input password is valid, the server 7 notifies the ATM 1 that the input path W-add is valid, and the ATM 1 displays a game execution screen on the operation display unit. In ATM1, the game execution unit 113 executes the game (S18).

  When a game is executed in ATM 1 and a game result is obtained, the game result is displayed on the operation display unit. At this time, the game result notifying unit 114 notifies the server 7 of information including the game result (S19).

  In the server 7, when the game result notified from the ATM 1 is acquired, the game result and the information about the customer are associated and registered in the second storage unit 34 (S20).

  The information registered in the second storage unit 34 includes, for example, game results, customer information (for example, name, store number, account number, etc.), date and time information on the game, and identification information of the ATM 1 that has executed the game. You may make it include a part or all.

  In the server 7, when the information related to the game result is registered in the second storage unit 34, a customer whose game result is win is searched by the operation of the operator or the like, and 10,000 yen is stored in the account of the customer. Transfer money.

  When the ATM 1 notifies the ATM 7 that the information related to the game result has been registered, the card or passbook is discharged at the ATM 1 (S21), and the cash related to the withdrawal is discharged (S22).

(B-3) Effects of Second Embodiment As described above, in the second embodiment, in addition to the effects of the first embodiment, it is useful for SNS used by customers and customer e-mail addresses. By notifying such information, customers can be informed of the benefits of using their own ATMs. In addition, according to the second embodiment, it is possible to appeal the special feeling of notifying the game password and the low burden of moving to the own ATM. From the above, an induction effect on the own ATM can be expected.

(C) Other Embodiments Although various modifications have been mentioned in the above-described embodiments, the present invention can also be applied to the following modifications.

  (C-1) In the first and second embodiments, the case where cash is transferred to a customer's account when a win is made in a game using a password as privilege confirmation information is exemplified. The privilege given to the customer need not be one type, and a plurality of privileges may be given. Moreover, you may make it provide one type of privilege selected by the customer among several privileges. In this case, before the game is executed at the ATM 1 or when the game result is successful, the ATM 1 displays a selection screen for selecting a privilege on the operation display unit, and selects any one of the privileges from among the plurality of privileges. It may be. And ATM1 notifies the server about the information regarding the selected privilege, a game result, and (customer information as needed), and the server registers these information. Thereby, the privilege which a customer desires can be presented.

  (C-2) In the first and second embodiments, in the ATM, it has been described only that the customer inputs the password included in the useful information and executes the game. However, for example, it is included in the useful information. You may make it raise the probability which can be won in the game in ATM by using a password. For example, when playing a game using a password included in useful information, compared with the case of executing a normal game, the probability of winning may be made with a high probability such as double.

  (C-3) In the first and second embodiments, the case where there is one password is exemplified, but a plurality of passwords may be used. For example, each of a plurality of passwords may have authority to execute a game at an ATM, and may have different probabilities of winning, or may have different contents of benefits.

9 and 9A ... customer guidance system, 1 ... ATM, 2 ... mobile terminal, 3 and 7 ... server, 4 ... host computer, 8 ... SNS application server,
31 ... Useful information providing means, 311 ... Location information acquisition section, 312 ... ATM search section, 313 ... Useful information notification section, 32 ... Game management means, 321 ... Password confirmation section, 322 ... Game result acquisition section, 323 ... Game result Registration unit, 33 ... first storage unit, 34 ... second storage unit,
DESCRIPTION OF SYMBOLS 20 ... Customer guidance processing part, 21 ... Position measurement part, 22 ... Position information notification part, 23 ... Useful information display part, 24 ... ATM map display part 11 ... Game processing part, 12 ... Transaction control part, 13 ... Mechanism control part , 14 ... display section, 15 ... communication section, 111 ... condition matching section, 112 ... password acquisition section, 113 ... game execution section, 114 ... game result notification section.

Claims (12)

A plurality of automatic transaction apparatuses that perform predetermined transaction processing and perform predetermined privilege processing based on predetermined conditions;
A server that provides information including useful information including position information of each automatic transaction apparatus and privilege confirmation information necessary for performing the privilege processing in each automatic transaction apparatus for each of a plurality of mobile terminals. An information providing system comprising:   The server includes useful information providing means for presenting useful information including position information of an automatic transaction device adjacent to each of the plurality of mobile terminals among the plurality of automatic transaction devices to each of the mobile terminals. The information providing system according to claim 1. The useful information providing means is
First storage means for storing position information of each automatic transaction apparatus;
With reference to the first storage means, based on the position information acquired from each mobile terminal, a search unit that searches for one or more automatic transaction devices close to the position of each mobile terminal;
The information provision according to claim 2, further comprising: a useful information notifying unit that notifies useful information including position information of each automatic transaction device searched by the searching unit to each of the corresponding mobile terminals. system. The search unit searches whether or not the automatic transaction apparatus exists within a predetermined range around the position of each mobile terminal,
The useful information notifying unit notifies the corresponding portable terminal of the useful information when an automatic transaction apparatus exists within a predetermined range centering on position information of each portable terminal. The information providing system according to claim 3. The server
A second storage unit for storing privilege confirmation information included in the useful information;
With reference to the second storage unit, the validity of the privilege confirmation information acquired from any of the plurality of automatic transaction devices is confirmed, and if the privilege confirmation information is valid, the corresponding automatic transaction device The information provision system according to claim 1, further comprising: a privilege confirmation information confirmation unit that permits the execution of the privilege processing. The server
A privilege processing result acquisition unit that acquires a result of the privilege processing from an automatic transaction apparatus that performs the privilege processing;
The privilege process result storage part which matches and memorize | stores the said privilege process result and the customer information of the customer who performed the transaction process in the automatic transaction apparatus, These are characterized by the above-mentioned. Information provision system. Each of the above automatic transaction devices
A condition collation unit that determines whether or not the transaction content related to the transaction process matches a predetermined condition related to the execution of the transaction process;
The information provision system according to claim 1, further comprising: a privilege processing execution unit that performs privilege processing using the privilege confirmation information when the condition is met.   The information providing system according to claim 1, wherein the server pushes the useful information to each of a plurality of portable terminals.   The information providing system according to claim 1, wherein the server provides the useful information using a social networking service.   For each of the plurality of mobile terminals, the predetermined transaction process is performed, and the position information of the automatic transaction apparatus that performs the predetermined privilege process and the privilege confirmation information necessary for performing the privilege process in each of the automatic transaction apparatuses are included. A server comprising information providing means for providing information including useful information. Computer
Necessary for carrying out predetermined transaction processing for each of a plurality of portable terminals, and for performing the privilege processing in each automatic transaction device and the position information of the automatic transaction device performing predetermined privilege processing based on predetermined conditions An information providing program which functions as information providing means for providing information including useful information including privilege confirmation information. A transaction processing unit for performing predetermined transaction processing;
An automatic transaction apparatus comprising: a privilege processing unit that performs predetermined privilege processing based on a predetermined condition.

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