JP2022032094A - Atm management apparatus and atm management method - Google Patents

Abstract

To provide an ATM management apparatus and ATM management method that facilitate acquisition of contact information such as a mobile phone number by using an ATM.SOLUTION: An ATM management apparatus 3 includes an inquiry unit 322 that, when an ATM 2 receives operation of a customer, makes inquiries whether predetermined contact information of the customer is registered to a customer information DB 4, a display control unit 323 that, when the contact information is not registered in the customer information DB 4, causes the ATM 2 to display a guidance screen for guiding a registration of the contact information, and a registration unit 324 that, when completing input of the contact information, registers the contact information into the customer information DB 4.SELECTED DRAWING: Figure 1

Description

Application for application of Article 30, Paragraph 2 of the Patent Act (Part 1) Publication date March 19, 2020 Publication place All ATM machines installed by The Nanto Bank, Ltd.

The present invention relates to an ATM management device and an ATM management method for managing an automated teller machine (hereinafter referred to as "ATM") of a financial institution.

Currently, in the banking industry, the number of store visitors is decreasing due to the spread of Internet banking and cashless payments. As a result, face-to-face sales have become difficult, and non-face-to-face sales have been forced to be strengthened.

On the other hand, ATMs are still an important channel for banks in Japan, as more people spend cash than in other countries. The applicant has built a new system using an ATM that can contact customers at a ratio of 1: 1 so that advertisements of banks and business partners can be displayed on the ATM for each customer. Similar techniques are also disclosed in, for example, Patent Document 1 below.

Furthermore, the applicant is paying attention to the mobile phone number, which is a customer-oriented channel. In modern society, each person has more than one mobile phone number, and there are almost no cases where the number is changed when the model is changed. In the future, it is expected that the major 3 carrier specialized application "+ Message" will be established as a new communication means in parallel with "LINE" and the like. In "+ Message", you can send and receive stamps, photos, videos, etc. in addition to texts to your mobile phone number, and "AIRPOST", a common procedure platform for financial institutions using "+ Message". Etc. have also been developed. As a result, the mobile phone number can be a tool for providing various services, not just as a sales tool utilizing telephone sales and SMS.

Japanese Unexamined Patent Publication No. 2005-266944

In the current situation where the opportunities for banks to meet customers are decreasing, there are few opportunities for banks to ask for mobile phone numbers for customers who have not registered their mobile phone numbers when opening an account. Also, when requesting remittance via ATM, a screen for entering the requester's phone number may be displayed, but the mobile phone number entered here is temporary until the remittance transaction is completed. It was only saved in, and was not used as a service provision tool after that.

The present invention has been made to solve the above problems, and an object of the present invention is to provide an ATM management device and an ATM management method for promoting acquisition of contact information such as a mobile phone number by using an ATM. do.

In order to solve the above problems, the present invention includes the following aspects.
Item 1.
It is an ATM management device that manages ATMs.
When the ATM accepts a customer's operation, a query unit that inquires the database whether or not the customer's predetermined contact information is registered, and
When the contact information is not registered in the database, a display control unit that displays a guidance screen for guiding the registration of the contact information on the ATM.
When the input of the contact information is completed, the registration unit that registers the contact information in the database and the registration unit.
An ATM management device characterized by being equipped with.
Item 2.
The ATM is further provided with a print control unit that prints a message prompting the registration of the contact information on the receipt or usage statement issued to the customer when the input of the contact information is canceled. Item 1. The ATM management device according to Item 1.
Item 3.
Item 2. The ATM management device according to Item 1 or 2, wherein the display control unit displays the guidance screen on the ATM during a period when the ATM does not accept the operation of the customer.
Item 4.
Item 2. The ATM management device according to any one of Items 1 to 3, wherein the contact information is a mobile phone number.
Item 5.
It is an ATM management method that manages ATMs.
When the ATM accepts the customer's operation, the inquiry step of inquiring to the database whether or not the predetermined contact information of the customer is registered, and
When the contact information is not registered in the database, a display control step for displaying a guidance screen for guiding the registration of the contact information on the ATM and a display control step.
When the input of the contact information is completed, the registration step of registering the contact information in the database and the registration step.
An ATM management method comprising.
Item 6.
The ATM is further provided with a print control step for printing a message prompting the registration of the contact information on the receipt or usage statement issued to the customer when the input of the contact information is stopped. Item 5. The ATM management method according to Item 5.
Item 7.
Item 5. The ATM management method according to Item 5 or 6, wherein in the display control step, the guidance screen is displayed on the ATM during a period when the ATM does not accept the operation of the customer.
Item 8.
Item 2. The ATM management method according to any one of Items 5 to 7, wherein the contact information is a mobile phone number.

According to the present invention, registration of contact information such as a mobile phone number can be promoted via an ATM.

It is a block diagram which shows the schematic structure of the ATM management system which concerns on one Embodiment of this invention. It is a flowchart which shows the processing procedure of the ATM management method which concerns on one Embodiment of this invention. This is an example of a guidance screen. This is an example of the input reception screen. This is an example of a usage statement. This is an example of a receipt.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. The present invention is not limited to the following embodiments.

(System configuration)
FIG. 1 is a block diagram showing a schematic configuration of an ATM management system 1 according to an embodiment of the present invention. The ATM management system 1 includes an ATM 2, an ATM management device 3, and a customer information database (DB) 4.

ATM2 is installed not only in stores of financial institutions but also in shopping malls and the like. The ATM 2 mainly includes a communication unit 21, a touch panel 22, a display 23, and a control unit 24.

The communication unit 21 is a module for communicating with other devices via the network N. The network N is an ATM-dedicated network such as a city bank online (BANCS), a regional bank online (ACS), a second regional bank online (SCS), and a trust bank online (SOCS).

The touch panel 22 is provided on the display 23 and accepts a touch operation of a user (customer) of the ATM 2.

The control unit 24 is a device that controls various operations of the ATM 2, and mainly includes a print unit 241, an operation reception unit 242, and a display unit 243 as functional blocks.

The printing unit 241 has a function of printing character information on a receipt or a usage statement issued at the end of various transactions. The operation reception unit 242 has a function of transmitting the customer's operation content to another functional block of the ATM 2 or the ATM management device 3 based on the signal input from the touch panel 22. The display unit 243 has a function of displaying various images on the display 23 based on the image data stored in the ATM 2 and the image data received from the ATM management device 3.

The ATM management device 3 is a server that manages the ATM 2, and can be configured by a general-purpose computer. The customer information DB (database) 4 is a database that stores information about customers who hold accounts of financial institutions. The ATM management device 3 mainly includes a communication unit 31 and a control unit 32. The customer information DB 4 may be incorporated in the ATM management device 3.

The communication unit 31 is a module for communicating with other devices via the network N. The control unit 32 is a device that controls various operations of the ATM management device 3, and has an authentication unit 321, an inquiry unit 322, a display control unit 323, a registration unit 324, and a print control unit 325 as functional blocks. Mainly prepared. These functional blocks can be realized by the CPU or GPU of the ATM management device 3 reading a predetermined program into the main storage device and executing the program.

The authentication unit 321 has a function of inputting a personal identification number, fingerprints, veins, and the like when the ATM 2 accepts a deposit withdrawal or remittance operation. The inquiry unit 322 has a function of accessing the customer information DB 4 and inquiring about various customer information. The display control unit 323 has a function of displaying various screens on the display 23 by controlling the display unit 243 of the ATM 2. The registration unit 324 has a function of registering information about the customer transmitted from the ATM 2 in the customer information DB. The print control unit 325 has a function of printing various messages on a receipt or a usage statement by controlling the print unit 241 of the ATM 2.

(Processing procedure)
In the ATM management method according to the present embodiment, in order to acquire a predetermined contact information (mobile phone number) of a customer, the ATM management system 1 shown in FIG. 1 performs the process shown in FIG. Hereinafter, the processing when the customer performs the deposit withdrawal operation at the ATM 2 will be described.

When the customer inserts a cash card or passbook into the ATM 2 and performs a predetermined operation to start the deposit withdrawal operation (step S1), the authentication unit 321 of the ATM management device 3 authenticates the customer (step S2). , Query step).

Subsequently, the inquiry unit 322 accesses the customer information DB 4 and inquires the customer information DB 4 whether or not the customer's mobile phone number is registered (step S3). It should be noted that step S3 may be performed at any time after the ATM 2 accepts the customer's operation and acquires the customer's account information, and may be performed before step S2, for example.

Subsequently, when the customer instructs to withdraw the deposit by performing a predetermined operation (step S4), the ATM 2 will not accept the customer's operation for a while due to the withdrawal process and the passbook entry process. During that period, the screen displayed on the display 23 of the ATM 2 differs depending on the inquiry result in step S3.

Specifically, when the customer's mobile phone number is registered in the customer information DB 4, the process proceeds to step S6, and the display control unit 323 causes the display 23 of the ATM 2 to display the advertisement screen of the product corresponding to the customer. In step S6, it is optional to display the advertisement screen, and a message such as "Please wait for a while" may be displayed.

On the other hand, when the customer's mobile phone number is not registered in the customer information DB 4, the process proceeds to step S7 (display step), and the display control unit 323 displays a guidance screen for guiding the registration of the mobile phone number on the display 23 of the ATM 2. Display.

FIG. 3 is an example of the guidance screen, and the message "Please register your mobile phone number" is displayed in the area R1. At the bottom of the guidance screen, a mobile number registration button B1 and a screen display end button B2 are displayed. When the mobile number registration button B1 is pressed, the input reception screen shown in FIG. 4 is displayed on the display 23.

On the input reception screen, the mobile phone number is input by operating the number keys, and when the confirmation button B3 is pressed, the input of the mobile phone number is completed (Yes in step S8). In this case, the registration unit 324 associates the mobile phone number with the account information and registers it in the customer information DB 4 (step S9, registration step). This completes the acquisition of the customer's mobile phone number.

On the other hand, when the screen display end button B2 is pressed on the guidance screen shown in FIG. 3, or when the input stop button B4 is pressed on the input reception screen shown in FIG. 4, the input of the mobile phone number is stopped ( YES in step S10). In this case, the print control unit 325 causes the ATM 2 to print a message prompting the registration of the mobile phone number on the usage statement issued to the customer (step S11, print step).

Even if a certain period of time (for example, 1 minute) has elapsed without any operation on the guidance screen or the input reception screen, it may be considered that the input has been stopped and the process may proceed to step S11. In this case, step S11 may be omitted, and in step S12, a usage statement without a message prompting the registration of the mobile phone number may be issued.

After that, when the withdrawal process is completed, cash is supplied to the cash outlet and a usage statement is issued (step S12). When step S11 is passed, as shown in FIG. 5, a usage statement printed with the message "Please register your mobile phone number at another opportunity" is issued in the lower area R2.

Further, instead of printing the above message on the usage statement, as shown in FIG. 6, a receipt not describing the transaction details may be separately issued and the above message may be printed on the receipt. As a result, even if the customer does not want to issue the usage statement, the customer can be prompted to register the mobile phone number.

(Additional notes)
Although the embodiment of the present invention has been described above, the present invention is not limited to the above embodiment, and various modifications can be made without departing from the spirit of the present invention.

For example, the display of the guidance screen in step S7 is performed during the period when the ATM2 does not accept the customer's operation after the customer instructs to withdraw the deposit, but the timing of displaying the guidance screen is not particularly limited. However, if the guidance screen is displayed while the customer is operating, the convenience is reduced. Therefore, it is preferable to display the guidance screen during the period when the ATM 2 does not accept the customer's operation.

Further, at least a part of the authentication unit 321 of the ATM management device 3, the inquiry unit 322, the display control unit 323, the registration unit 324, and the print control unit 325 may be provided in the ATM 2 or another device.

Further, in the above embodiment, the predetermined contact information is a mobile phone number, but the contact information is not particularly limited as long as it is information for easily contacting a customer from a financial institution. For example, the contact information includes a fixed telephone number, an e-mail address, and the like.

1 ATM management system 2 ATM
21 Communication unit 22 Touch panel 23 Display 24 Control unit 241 Printing unit 242 Operation reception unit 243 Display unit 3 ATM management device 31 Communication unit 32 Control unit 321 Authentication unit 322 Inquiry unit 323 Display control unit 324 Registration unit 325 Print control unit 4 Customer information DB (database)

Claims (8)

It is an ATM management device that manages ATMs.
When the ATM accepts a customer's operation, a query unit that inquires the database whether or not the customer's predetermined contact information is registered, and
When the contact information is not registered in the database, a display control unit that displays a guidance screen for guiding the registration of the contact information on the ATM.
When the input of the contact information is completed, the registration unit that registers the contact information in the database and the registration unit.
An ATM management device characterized by being equipped with. The ATM is further provided with a print control unit that prints a message prompting the registration of the contact information on the receipt or usage statement issued to the customer when the input of the contact information is canceled. The ATM management device according to claim 1. The ATM management device according to claim 1 or 2, wherein the display control unit displays the guidance screen on the ATM during a period when the ATM does not accept the operation of the customer. The ATM management device according to any one of claims 1 to 3, wherein the contact information is a mobile phone number. It is an ATM management method that manages ATMs.
When the ATM accepts the customer's operation, the inquiry step of inquiring to the database whether or not the predetermined contact information of the customer is registered, and
When the contact information is not registered in the database, a display step for displaying a guidance screen for guiding the registration of the contact information on the ATM and a display step.
When the input of the contact information is completed, the registration step of registering the contact information in the database and the registration step.
An ATM management method comprising. The ATM is further provided with a printing step for printing a message prompting the registration of the contact information on the receipt or usage statement issued to the customer when the input of the contact information is stopped. The ATM management method according to claim 5. The ATM management method according to claim 5 or 6, wherein in the display step, the guidance screen is displayed on the ATM during a period when the ATM does not accept the operation of the customer. The ATM management method according to any one of claims 5 to 7, wherein the contact information is a mobile phone number.

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