JP2739740B2 - Automatic transaction processor - Google Patents

Description

Description: BACKGROUND OF THE INVENTION (a) Field of Industrial Application The present invention relates to an automatic transaction processing device that executes transaction processing such as cash depositing and withdrawing in a financial institution and the like, and in particular, makes effective use of waiting time in the automatic transaction processing device. About.

(B) Summary of the Invention The automatic transaction processing device according to the present invention displays a questionnaire on a display device until a transaction request is received from a customer until the transaction is executed, for example, during communication with a center. By having the customer input this answer, the effective time of the waiting time is measured.

(C) Conventional technology The automatic transaction processing device currently installed in a financial institution is an online device, and after receiving a customer's transaction request, sends the transaction to a center in which a customer's deposit account file and the like are stored. After inquiring whether or not is possible, the transaction processing is executed only when possible. For this reason, the automatic transaction processor cannot respond effectively to the customer until the communication with the center is completed after accepting the transaction request, and only displays "Please wait" or the like. Met.

(D) Problems to be Solved by the Invention For this reason, since the customer simply waits while communicating with the center, it is not possible to effectively use the time when the customer is visiting the store, and rather, the customer is given a waiting time. There was a drawback that made me feel long. In addition, there is a disadvantage that no information on the customer can be obtained by mere transaction processing.

An object of the present invention is to provide an automatic transaction processing device that makes effective use of a customer's waiting time by taking a questionnaire on the customer's waiting time.

(E) Means for Solving the Problems A first invention according to this application is an automatic transaction processing device that has a display device, receives a transaction request of a customer, and executes transaction processing such as cash deposit and withdrawal. A means for displaying a questionnaire on the display device during a waiting time of the customer from the transaction request to execution of the transaction processing, and a means for receiving an answer regarding the questionnaire are provided.

A second invention according to this application is an automatic transaction processing device that has a display device, receives a transaction request from a customer, and executes transaction processing such as cash deposit / withdrawal. Means for displaying a questionnaire on the display device during the customer's waiting time, means for receiving an answer to the questionnaire, and means for totalizing and outputting the answer to the questionnaire at a specific timing. I do.

(F) Effect of the Invention In the automatic transaction processing apparatus of the present invention, a questionnaire is displayed and the answer is received in a time period from the reception of a transaction request by a customer to the execution of this transaction. The display of the questionnaire may be performed by using a display device that normally displays a transaction guide or the like, and the response may be received by using a key system used for inputting a password or the like. As a result, the information about the customer can be collected using the waiting time, and the customer can answer the questionnaire to reduce the consciousness of the waiting time and prevent the impression from lowering.

Further, in the second invention of this application, the responses of the customers obtained by the questionnaire can be totaled and output. As a result, it is possible to obtain statistical information on a customer who uses the transaction processing apparatus, and use it for subsequent customer services.

(G) Embodiment FIG. 2 is an external view of an ATM (automatic deposit payment apparatus) according to an embodiment of the present invention. On the vertical panel surface of the customer operation base of this ATM, there are provided a handling indicator 6 for displaying that the device is being handled at the time of operation of the device, a passbook insertion slot 3 for inserting a bankbook and a card insertion slot 2, and a horizontal panel. On the surface, a bill deposit / withdrawal port 4, CRT1 and a coin deposit / withdrawal port 5 are provided.
A patch panel switch 7 is attached to the surface of CRT1,
It detects the presence or absence of a finger or the like on CRT1 and its position. At each stage of the transaction, the transaction content selection key, numeric keypad, and the like are displayed on the CRT 1, and the touch panel switch 7 detects pressing of the key by the customer.

FIG. 3 is a block diagram of a control unit of the ATM. The operation of the ATM is totally controlled by the CPU 11. This CPU11 has ROM12,
The RAM 13 and the interface unit 14 are connected. R
The OM 12 stores a control program for controlling the operation of the CPU 11, and the like. In the RAM 13, a register area for temporarily storing input / output data and the like is set. The interface unit 14 includes a CRT control unit 15, an input control unit 16,
Floppy desk device 17, passbook / in / out table printer 18, bill processing unit 19, coin processing unit 20, slip processing unit 21, and transmission control unit
22 is connected. The CRT control 15 controls the display of a guide screen to CT1, a questionnaire screen (see FIG. 5), an attendant mode screen (see FIG. 7), and the like. The input control unit 16 determines the pressed position based on the electrode voltage of the touch panel switch 7 and the like.
On the floppy disk set in the floppy disk device 17, log data such as an object program to be loaded into the RAM 13, transaction processing, and a questionnaire are stored.
The transmission control unit 22 is connected to the center 23 via a line, and performs authentication of customers, inquiry of balance, and the like.

FIG. 4 is a diagram showing a log data storage area set on the floppy disk. FIG. 3A shows a transaction data storage area, and FIG. 3B shows a questionnaire data storage area. In the transaction data storage area, the date, day of the week, day of the week, and time zone in which the transaction occurred are sequentially stored, and the number of transactions is integrated and stored. In the questionnaire data storage area, the frequency of responses to the questionnaire shown in FIG. 5 is integrated and stored for each option. As the contents of the questionnaire of the questionnaire, for example, gender, age, occupation, residence area, work area, use frequency, and the like are displayed.

FIG. 1 is a flowchart showing the operation of the control unit. This operation is a transaction processing operation performed when a customer selects a transaction. When the customer selects a transaction, the operation starts with this operation. First, a process of accepting a medium such as a card, a passbook, or cash is executed (n1). Next, an input of a transaction amount, a password or the like is received (n2), and these data are transmitted to the center to authenticate the customer and check the balance (n3). The transaction does not proceed until a reply is sent from the center.
Display a questionnaire screen on T (n4). Examples of the questionnaire screen are shown in FIGS. 5 (A) to 5 (G). If the user inputs a response to this questionnaire screen (n5), this input data is stored in the log area (n6), and until the entire questionnaire screen is completed (FIGS. 5A to 5G). For up to)
The screen is displayed sequentially (n8). Here, for example,
Portion (71, 72) showing selections in figure (A)
Constitutes a key for selecting this option, and when the customer presses this portion, the touch panel switch 7 detects this and determines the answer. If there is a reply message from the center, even if the questionnaire screen is being displayed, n9 → n1
Proceed to 0, analyze the contents of the received message (n10), execute medium release processing for cards, passbooks, slips, etc. (n11)
End the transaction.

According to the above operation, information on the customer can be collected using the waiting time during the transaction. FIG. 6 shows an information output subroutine for statistically outputting the collected information.
FIGS. 7A to 7D show examples of display screens at the time of information output operation.

In FIG. 6, a staff key possessed by a staff member is inserted into a staff key insertion slot (not shown) of the ATM, and the ATM is turned into a staff mode by rotating the key. At this time, this operation starts. First, the screen shown in FIG. 7A is displayed at n21. This screen is a menu screen for selecting an operation to be executed in the attendant mode. After this screen is displayed, a selection input of an operation to be executed is received (n22), and if the selected operation is a customer information statistical output operation, the process proceeds from n23 to n24. If it is any other operation, the process proceeds to the corresponding processing operation.
Here, since the touch panel switch 7 is provided on the surface of the CRT 1, the portion displaying each operation menu constitutes a selection switch. When the customer information statistical output operation is selected, a screen shown in FIG. 7 (B) is displayed. This screen is a screen for selecting a classification method of data to be statistically output. That is, it is for selecting any classification method by gender, age, occupation, usage frequency, or reason for using the branch. This selection input is accepted by the operation of n25, and the input content is registered in the register (n26). Next, the screen shown in FIG. 7 (C) is displayed (n27), and a selection input is accepted (n28). On this screen, the specification of the range of data to be output is accepted. That is, the user selects on this screen whether to output data up to how far back from the present time and whether or not to limit the day of the week and date and time. Enter
The registration is performed at n29, and the log data area is searched based on the contents registered at n26 and n29, and the data is read out and tabulated in a graph format (n30). The tabulated data is displayed on CRT1 (n31). FIG. 7D shows an example of the total data display screen. Print key while connecting the display on this screen
Wait until 73 or the end key 74 is pressed (n32, n3
3). When the print key 73 is pressed (n32), the contents of this display screen are printed out by a passbook printer (provided in the passbook insertion slot 3) or a journal printer (n34). When the end key 74 is pressed (n33), the operation ends.

n4 and n8 correspond to "means for displaying a questionnaire" of the present invention, n5 and n6 correspond to "means for receiving an answer" of the present invention, and the operation shown in FIG. Means to do ".

Further, in this embodiment, in order to improve the response rate of the questionnaire, a premium such as releasing a prize may be given to the questionnaire respondent.

(H) Effects of the Invention As described above, according to the automatic transaction processing device of the present invention,
By displaying a questionnaire on the display device and requesting an answer during the waiting time from the transaction request by the customer to the execution of the transaction processing, effective information about the customer is collected using the idle time of the display device or the like. Can also
For customers, they can wait while doing some work instead of just waiting. In addition, by collecting and outputting the collected information, the information can be effectively used for the subsequent customer service.

[Brief description of the drawings]

FIG. 1 is a flowchart showing a transaction operation of an ATM according to an embodiment of the present invention, FIG. 2 is an external view of the ATM, and FIG.
FIG. 4 is a block diagram of a control unit of the TM, FIG. 4 is a diagram showing a memory area set on a floppy disk set in the ATM, FIG. 5 is a diagram showing an example of a questionnaire screen displayed on a CRT of the ATM, FIG. 6 is a flowchart of the attendant mode operation of the ATM, and FIGS. 7A to 7D are diagrams showing examples of display screens in the attendant mode. 1 ... CRT, 7 ... Touch panel switch, 15 ... CRT control unit, 16 ... Input control unit.

Claims (2)

(57) [Claims] An automatic transaction processing device having a display device, receiving a transaction request from a customer, and executing transaction processing such as cash deposit / withdrawal, comprising: A means for displaying a questionnaire on the display device, and means for receiving a response to the questionnaire. 2. An automatic transaction processing device having a display device and receiving a transaction request from a customer and executing transaction processing such as cash deposit / withdrawal, wherein the customer has a waiting time from the transaction request to the execution of transaction processing. Means for displaying a questionnaire on the display device, means for receiving an answer to the questionnaire, and means for totalizing and outputting the answer to the questionnaire at a specific timing. .