JP2024007763A - Transaction system, transaction device, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To guide a customer to perform procedures performed by him/herself at appropriate timing, by using a transaction opportunity.

SOLUTION: A transaction system which executes transaction processing with a customer comprises a transaction device operated by the customer, a transaction server which executes the transaction processing in cooperation with the transaction device, and an information management server which manages customer information on the customer. The transaction device comprises a customer information notification processing unit which displays the information about a procedure performed by the customer acquired from the information management server, before the transaction processing is completed.

SELECTED DRAWING: Figure 5

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to a trading system, a trading device, and a program.

Automated teller machines (ATMs) are widely installed not only in financial institutions but also in public spaces such as convenience stores, commercial facilities, stations, and airports, allowing them to function as social infrastructure and improve people's lives. It has become indispensable.

For example, Patent Document 1 states that on the screen of an automatic transaction device installed in a financial institution, etc., the automatic withdrawal date of utility charges, payment date of taxes, etc., birthday, anniversary date, etc. registered in the customer's personal calendar is displayed. An automatic trading system is disclosed that displays event information such as the date of the event.

Japanese Patent Application Publication No. 2004-272746

In the system described in Patent Document 1, it is possible to present a schedule of events related to the customer to the customer and make them aware of the event, but it is not possible to directly induce the customer to take the necessary procedures. Ta.

The present invention has been made in view of the circumstances described above, and it is an object of the present invention to utilize transaction opportunities to guide customers so that they can carry out their own procedures at an appropriate time.

A trading system according to the present invention is a trading system that executes transaction processing with a customer, and includes a transaction device operated by the customer, a transaction server that executes the transaction processing in cooperation with the transaction device, and a trading system that executes transaction processing with a customer. an information management server that manages customer information, and the transaction device includes a customer information notification processing unit that displays information regarding procedures performed by the customer acquired from the information management server before the transaction processing is completed. It is prepared.

A transaction device according to the present invention is a transaction device that executes transaction processing with a customer in cooperation with a transaction server, and acquires customer information of the customer from an information management server that manages the transaction processing before the transaction processing ends. The system is equipped with a customer information notification processing unit that displays information regarding procedures performed by the customer.

The program according to the present invention cooperates with a transaction server to connect a computer that executes transaction processing with a customer to a computer that is acquired from an information management server that manages the customer's customer information before the transaction processing is completed. It functions as a customer information notification processing unit that displays information regarding procedures to be performed.

According to the present invention, it is possible to guide a customer to carry out his/her own procedures at an appropriate timing by utilizing a transaction opportunity.

FIG. 1 is a block diagram showing the configuration of a transaction system 1 according to an embodiment of the present invention. FIG. 1 is a diagram showing the appearance of an ATM 10 according to an embodiment of the present invention. FIG. 1 is a block diagram showing the functional configuration of an ATM 10 according to an embodiment of the present invention. FIG. 2 is a sequence diagram showing the flow of transaction processing by the transaction system 1 according to an embodiment of the present invention. FIG. 3 is a sequence diagram of notification and procedure guidance processing by the transaction system 1 according to an embodiment of the present invention. The figure which illustrates screen transition of ATM10 in transaction processing by transaction system 1 concerning one embodiment of the present invention. The figure which illustrates the screen transition of ATM10 in the notification and procedure guidance process by the transaction system 1 which concerns on one Embodiment of this invention. FIG. 2 is a diagram illustrating a guide receipt on which a two-dimensional code for procedures by the transaction system 1 according to an embodiment of the present invention is printed. The figure which illustrates the screen transition of ATM10 in the information update procedure by the transaction system 1 which concerns on one Embodiment of this invention.

Embodiments of the present invention will be described in detail below with reference to the drawings. Note that the same elements are given the same reference numerals and redundant explanations will be omitted.

Embodiment FIG. 1 is a block diagram showing the configuration of a transaction system 1 according to an embodiment of the present invention. As shown in FIG. 1, the transaction system 1 includes an ATM (transaction device) 10 installed at a commercial facility, an information management server 30 installed at a management center, and a transaction server 40 at a financial institution. There is. The ATM 10, the information management server 30, and the transaction server 40 are connected via a communication network. Note that the information management server 30 and the transaction server 40 may be configured by one computer installed in a financial institution or the like. The communication network may be, for example, the Internet, LAN, leased line, telephone line, in-house network, mobile communication network, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, or a combination thereof. It does not matter whether it is wired or wireless.

FIG. 2 is a diagram showing the appearance of the ATM 10. The ATM 10 includes a main display section 101, a card reading section 102 that accepts magnetic cards such as cash cards, a bill deposit/withdrawal section 103 for depositing and withdrawing banknotes, an operation section 104 operated by the user, and a code reading section 102 that accepts magnetic cards such as cash cards. It includes a code reading section 105 for reading, an optical reading section 106, a stand 107, a sub-display section 108, a non-contact IC communication section 109, a camera 110, and a printer 111.

The main display unit 101 includes, for example, a display means such as a liquid crystal display, and an input means such as a touch panel that receives input from the user. A screen and input keys for guiding the user's operations are displayed on the display means, and by pressing the input keys on the touch panel, the user can input information corresponding to the input keys. Note that the user can input the same information by operating the input means (such as a numeric keypad) of the operation section 104 instead of the input means displayed on the main display section 101.

The optical reading unit 106 is, for example, an image scanner, and can read a photograph or text attached to the face of an IC card or the like placed on the stand 107 as an image. The stand 107 has a surface that is substantially horizontal to the ground, and the optical reading unit 106 can obtain images of constant quality without being affected by camera shake or the like.

The sub-display section 108 has a display means such as a liquid crystal display, for example, and is installed on the surface of the stand 107. The sub-display section 108 may have only a display means, or like the main display section 101, it may have an input means in addition to the display means. For example, the sub-display section 108 may display a screen that guides the position where an IC card or the like to be read by the optical reading section 106 is placed. Thereby, even a user who is not accustomed to operating the ATM 10 can smoothly operate the ATM 10 without hesitation.

The non-contact IC communication unit 109 is, for example, a non-contact IC reader/writer, and is installed inside the stand 107. The non-contact IC communication unit 109 performs non-contact communication with a non-contact IC chip mounted on an IC card or the like, and can read and write information stored in the non-contact IC chip. The non-contact IC communication unit 109 can communicate with a non-contact IC chip when an IC card or the like is placed on the stand 107 .

The camera 110 is a camera device that can take moving images or still images. The camera 110 is installed so that it can take a facial image of the user operating the ATM 10.

The printer 111 is a device for outputting a transaction statement or a guidance receipt on which a two-dimensional code (code information) for procedures to be described later is printed.

FIG. 3 is a block diagram showing the functional configuration of the ATM 10 according to an embodiment of the present invention. The ATM 10 includes a control device 20 inside the housing. The control device 20 includes, as hardware, a processor such as a CPU, a memory such as a ROM or a RAM, an input interface, an output interface, a communication interface, a bus connecting these, and the like. The control device 20 realizes various functions by a processor executing programs stored in a memory or the like. As shown in FIG. 3, the functional modules realized by the control device 20 include a customer information notification processing section 201, a procedure guidance processing section 202, and an update procedure processing section 203.

The information management server 30 is a specific purpose or general purpose computer. The information management server 30 is a server that manages notification target data regarding customers of the financial institution (information regarding procedures performed by the customer) provided by a financial institution that manages the transaction server 40. The information management server 30 may be composed of one computer, or may be composed of a plurality of computers distributed over the communication network N.

As shown in FIG. 1, the information management server 30 includes a control device 31 and a storage device 32. The control device 31 includes, as hardware, a processor such as a CPU, a memory such as a ROM or a RAM, an input interface, an output interface, a communication interface, a bus connecting these, and the like. The control device 31 realizes various functions by a processor executing programs stored in a memory or the like.

The storage device 32 is a hard disk drive or the like, and has a notification target database 321 installed therein. The notification target database 321 stores notification target data in association with customer account information (financial institution code/store number/account number). The notification target data is created based on customer data received in advance from a customer's financial institution or the like.

Data subject to notification includes notification classification, customer information (kanji name, alphabetical name, address, telephone number, purpose of transaction, occupation, company name, etc.), information on identity verification documents (driver's license, My Number card, residence card, etc.) is included. The information on the identity verification document includes information such as document image data, written information, and expiration date.

The notification categories include continuous customer management (hereinafter referred to as "continuation") and period of stay management (hereinafter referred to as "residence"). "Continuation" is a category in which customer information is continuously managed, and we confirm with the customer at the time of transaction whether there is any change in customer information (name, address, occupation, purpose of transaction, etc.), and if there is a change, have them go through the process of updating their information.

"Resident" is a category for foreign customers, and customers are asked to present their residence card at the time of transaction, and information on the expiration date of the residence card is presented to the customer. Specifically, at the time of transaction, information on the expiry date of the current residence card is displayed to alert the user not to exceed the renewal application period, and the user is requested to present the residence card.

When a customer executes transaction processing with a business partner financial institution at the ATM 10, the information management server 30 terminates the transaction processing at the ATM 10 if the notification target data of the customer is registered in the notification target database 321. Before doing so, the notification target data and procedure guidance are executed according to the notification category. Note that before the transaction process ends, it is sufficient that it is before the end of a series of services provided to the customer from the ATM 10, for example, before the cash card is returned or before the customer physically leaves the ATM 10. However, it is not limited to these.

The transaction server 40 is a server managed by a financial institution, and is composed of, for example, a specific-use or general-purpose computer. The transaction server 40 executes procedures such as deposit/withdrawal processing, balance inquiry, transfer, remittance, etc. of the corresponding account based on information such as transaction instructions and amounts received from the ATM 10.

Next, the operation of the transaction system 1 will be explained using sequence diagrams shown in FIGS. 4 and 5. FIG. 4 is a sequence diagram of a transaction process executed in cooperation between the ATM 10 and the transaction server 40, and FIG. 5 is a sequence diagram of a notification and procedure guidance process executed at the ATM 10 during execution of the transaction process. Here, an example of an operation in which a customer of a financial institution uses the ATM 10 to withdraw cash will be described. In the notification target database 321 of the information management server 30, notification target data created based on customer data received in advance from financial institutions is registered.

First, the flow of transaction processing (withdrawal) will be explained using FIG. 4. When a customer inserts a cash card into the card reading section 102 of the ATM 10, a "transaction selection screen" as shown in FIG. 6(A) is displayed on the main display section 101 (step S101). When the customer operates the touch panel and selects "Withdraw", a "PIN code input screen" as shown in Figure 6(B) is displayed, and when the customer U operates the touch panel or numeric keypad to enter the password, An "amount input screen" as shown in 6(C) is displayed. When the customer inputs the withdrawal amount and operates the confirmation button B1, a transaction message is transmitted to the transaction server 40 (step S102). Specifically, transaction message data created in a predetermined format including account information, transaction type (withdrawal), password, amount, etc. is transmitted. On the main display section 101 of the ATM 10, a screen as shown in FIG. 6(D) indicating that a transaction procedure is in progress is displayed.

The transaction server 40 executes transaction processing based on the contents of the transaction message data received from the ATM 10 (step S103). For example, if the transaction type is a withdrawal, the balance in the account is updated according to the transaction amount. When the transaction procedure is completed, the transaction server 40 notifies the ATM 10 that the procedure has been completed (step S104). When the ATM 10 receives a notification from the transaction server 40 that the procedure has been completed, the ATM 10 performs processing according to the transaction (step S105). In the case of withdrawal (withdrawal), the transaction amount is paid out and the cash card is returned.

Next, the display of notification target data and procedure guidance, which are carried out while the transaction processing is executed in the transaction server 40, will be explained using FIG. 5. The display of the notification target data and the procedure guidance are performed until the transaction processing shown in FIG. 4 is completed (for example, until the cash card is returned).

First, the customer information notification processing unit 201 of the ATM 10 makes an inquiry to the information management server 30 for notification target data linked to the customer's account information (step S201). The information management server 30 transmits the notification target data linked to the customer's account information in the notification target database 321 to the ATM 10 (step S202). Note that if the notification target data of the customer is not registered, a message indicating that there is no notification target data is sent.

If there is notification target data for the customer (step S203: YES), the customer information notification processing unit 201 displays a “guidance screen” as shown in FIG. 7(A) on the main display unit 101 (step S203: YES). S204). On the other hand, if there is no notification target data for the customer (step S203: NO), the screen moves to the screen shown in FIG. 6(D) indicating that the transaction procedure is in progress (step S210).

When the customer operates the confirmation button B2 on the "guidance screen," processing is performed according to the notification classification of the received notification target data (step S205). First, if the notification category is "continue", an "information confirmation screen" as shown in FIG. 7(B) is displayed (step S206). The "information confirmation screen" displays customer information (kanji name, alphabetical name, address, telephone number, transaction purpose, occupation, company name, etc.) included in the notification target data. In addition, a message M1 for confirming whether there is any change in the displayed information and buttons B3 and B4 for selecting change/no change are displayed.

When the customer selects the change button B3 on the "information confirmation screen" (step S207), the procedure guidance processing unit 202 of the ATM 10 displays the "procedure guidance screen" as shown in FIG. 7(C) (step S207). S208). Furthermore, the procedure guidance processing unit 202 outputs a guidance receipt on which a two-dimensional code for the procedure is printed from the printer 111 (step S209). FIG. 8 is a diagram illustrating a guidance receipt on which a two-dimensional code for procedures is printed. As shown in FIG. 8, two-dimensional codes C1 and C2 are printed on the guidance receipt for the customer to update information using the ATM 10 or his/her own smartphone (portable terminal). It also contains information regarding the current transaction and the deadline for renewal procedures.

When the customer selects the no change button B4 on the "information confirmation screen" (step S207), the screen moves to the screen shown in FIG. 6(D) indicating that the transaction procedure is in progress (step S210).

If it is determined in step S205 that the notification category is "residence", the customer information notification processing unit 201 displays a "stay period management screen" as shown in FIG. 7(D) (step S211). The "stay period management screen" displays information on the current expiration date of the residence card and a message M2 requesting presentation of the residence card. The expiration date of the residence card may be maintained and managed in the notification target database 321, or may be obtained from an external database. When the customer operates the confirmation button B5, the procedure guidance processing unit 202 displays a "procedure guidance screen" similar to that shown in FIG. 7(C) (step S208). Furthermore, the procedure guidance processing unit 202 outputs a guidance receipt on which a two-dimensional code for the procedure is printed from the printer 111 (step S209). In this way, when the notification category is "Resident", the "procedure guidance screen" is always displayed because a procedure is required to have the user present a residence card.

(Information update procedure)
Next, an overview of an information update procedure performed by a customer using a guidance receipt on which a two-dimensional procedure code shown in FIG. 8 is printed will be explained. The customer can perform the procedure using the ATM 10 or his/her own smartphone.

When performing a procedure using the ATM 10, the customer reads the two-dimensional code C1 using the code reading unit 105 of the ATM 10. When the two-dimensional code C1 is read by the code reading unit 105, the update procedure processing unit 203 of the ATM 10 displays an “update information selection screen” on the main display unit 101 as shown in FIG. 9(A). The customer selects the item to be updated by checking the checkbox displayed to the left of the item. Please note that items that require the presentation of identity verification documents at the time of renewal (residence card information, address, etc.) and items that do not require the presentation of identity verification documents (phone number, email address, name of workplace, transaction purpose, etc.) The information may be displayed in different colors.

When an item requiring the presentation of an identity verification document is selected, the update procedure processing unit 203 displays an "identity verification document selection screen" as shown in FIG. 9(B). The customer performs an operation to select one of the displayed identification documents. A message will be displayed stating that foreign customers must select a residence card.

When the identity verification document is selected, a message prompting the card reader 102 to read the identity verification document is displayed. The customer causes the optical reader 106 to read an identification document such as a residence card. When the reading of the identification document is completed, the update procedure processing unit 203 displays an "update information input screen" as shown in FIG. 9(C). The customer inputs the item to be newly registered/changed and operates the input/change button B6. When the input of the items to be registered/changed is completed, the input information is notified to the transaction server 40, and the information update procedure is completed. Further, the updated customer information is notified from the transaction server 40 to the information management server 30 and reflected in the notification target database 321.

Furthermore, when the customer reads the two-dimensional code C2 with his or her smartphone, a site for performing information update procedures is displayed on the smartphone. An "update information selection screen" similar to that shown in FIG. 9(A) is displayed on the site, and the customer can select the item to be updated. When the customer selects an item to update, an "update information input screen" similar to that shown in FIG. 9(C) is displayed. When the customer inputs new items to be registered or changed, the input information is notified to the transaction server 40, and the information update procedure is completed. Further, the updated customer information is notified from the transaction server 40 to the information management server 30 and reflected in the notification target database 321.

As described above, according to the present embodiment, when a customer conducts a transaction with a financial institution, etc. at the ATM 10, the data to be notified is acquired from the information management server 30 and displayed before the transaction process is completed. I made it. In this way, customers can take advantage of the opportunity to use ATM 10 for transactions and present information on notification target data that is not directly related to the transaction itself, allowing them to change customer information or update their residence card. Customers can be guided to complete procedures in a timely manner.

Furthermore, since the customer is asked to answer whether or not the customer information of the displayed notification target data has been updated, it is possible to appropriately determine whether guidance to the customer information update procedure is necessary.

In addition, for customers whose customer information has been updated or customers who need to present identification documents such as a residence card, a guidance receipt will be printed to guide them to the procedure. can be reliably induced. In addition, by outputting a guided receipt once the transaction is completed, rather than proceeding to the update procedure after the transaction is completed, it is easier for the customer to recognize that the transaction itself has been completed, and this makes it easier for the customer to recognize that the transaction has been completed. The process follows the procedures of

In addition, a two-dimensional code is printed on the guidance receipt that guides the customer to complete the procedure by reading it with the ATM 10 or the customer's smartphone, so the customer can also complete the procedure using the ATM 10 on the spot. You can also complete the procedure later using your smartphone. In this way, a convenient method can be selected by the customer.

Additionally, by reading the two-dimensional code on the guided receipt at the ATM 10, a screen for customers to update their information will be displayed on the ATM 10, allowing customers to easily access the screen for updating their information. .

In the above embodiment, the customer's personal information and information on the expiration date of the residence card are displayed on the ATM 10 as the notification target data, but the information to be notified is not limited to these. For example, advertisement information prepared in advance by a financial institution or the like of a business partner may be stored in a database and displayed as notification target data. Further, the content of the advertisement to be displayed may be selected depending on the customer's transaction purpose, address, occupation, etc. Further, when a customer performs a procedure for updating customer information, the content of the advertisement to be displayed may be selected depending on the advertisement to be updated and the content of the update.

In addition, in the above embodiment, a guidance receipt with a two-dimensional code printed on it is used to guide the customer to the information update procedure. You may also be guided to For example, display the "update information selection screen" so that customers can select products and services that they can apply for, and when the customer selects a product or service, the screen will transition to a screen where they can apply for the selected product or service. You can. When the customer inputs the items necessary for the application, the input information may be transmitted to the transaction server 40, and the application procedure for the product/service in question may be completed. In addition, products and services for which an application procedure is available are displayed as notification target data, and when a customer performs an operation indicating that they wish to apply for an application procedure, a guidance receipt with a two-dimensional code printed on it is output. You can. When the customer reads the printed two-dimensional code using the ATM 10 or his or her smartphone, a screen for selecting the product or service to apply for or a screen for inputting items necessary for the application may be displayed.

Note that the present invention is not limited to the embodiments described above, and can be implemented in various other forms without departing from the gist of the present invention. Therefore, the above embodiments are merely illustrative in all respects, and should not be construed as limiting. For example, each of the above-mentioned processing steps can be arbitrarily changed in order or executed in parallel as long as there is no inconsistency in the processing contents.

1...Transaction system 10...ATM
20...Control device 30...Information management server 31...Control device 32...Storage device 321...Notification target database 40...Transaction server 101...Main display section 102...Card reading section 103...Banknote deposit/withdrawal section 104...Operation section 105...Code reading Unit 106...Optical reading unit 107...Destination 108...Sub display unit 109...Non-contact IC communication unit 110...Camera 111...Printer 201...Customer information notification processing unit 202...Procedure guidance processing unit 203...Update procedure processing unit

Claims (7)

A trading system that executes transaction processing with customers,
a transaction device operated by the customer;
a transaction server that executes the transaction processing in cooperation with the transaction device;
an information management server that manages customer information of the customer,
The transaction device includes:
A transaction system comprising: a customer information notification processing unit that displays information regarding procedures to be performed by a customer acquired from the information management server before the transaction processing ends. The customer information notification processing unit includes:
2. The transaction system according to claim 1, wherein the customer information of the customer is displayed and a response as to whether or not the customer information is updated is accepted. The transaction device includes:
3. The method according to claim 2, further comprising a procedure guidance processing unit that outputs a guidance receipt for guiding the customer to a procedure when the customer information is updated and/or when an identification document needs to be presented. trading system. The procedure guidance processing unit is
4. The transaction system according to claim 3, wherein code information for guiding the customer to perform a procedure using the transaction device or a mobile terminal owned by the customer is written on the guidance receipt. The transaction device includes:
5. The transaction system according to claim 4, further comprising an update procedure processing unit that displays a screen for the customer to perform a procedure by reading the code information. A transaction device that executes transaction processing with a customer in cooperation with a transaction server,
A transaction device comprising a customer information notification processing unit that displays information regarding procedures to be performed by the customer, acquired from an information management server that manages customer information of the customer, before the transaction processing ends. A computer that works with a transaction server to process transactions with customers.
A program that functions as a customer information notification processing unit that displays information regarding procedures to be performed by a customer, acquired from an information management server that manages customer information of the customer, before the transaction processing ends.

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