JP4360839B2 - Automatic transaction processing program and automatic transaction apparatus - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic transaction processing program and an automatic transaction apparatus, and more particularly to an automatic transaction processing program and an automatic transaction apparatus for guiding a transaction operation procedure to a user and performing predetermined transaction processing according to the procedure.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, an automatic transaction apparatus that automatically processes transactions such as cash withdrawal or deposit from a user's account, transfer or transfer to another account, etc. has been installed by financial institutions and widely spread.
[0003]
A conventional automatic transaction apparatus will be described. FIG. 21 is a configuration diagram of a general automatic transaction apparatus. In the automatic transaction apparatus 10, when the card 2 is inserted, customer information recorded on a magnetic stripe or the like of the card 2 is read by the card reading unit 11. At present, the customer operation unit 13 which is the mainstream uses a touch sensor to display a message or operation key for prompting the customer's operation on the display screen, and by touching the operation key, it is recognized that the key is pressed. It has become. The handset 14 has the same function as the customer operation unit 13 and includes a voice output unit and a numeric keypad. The handset 14 prompts a key operation by outputting a message prompting a key operation for a visually impaired person. The control unit 12 controls the customer operation unit 13 and the handset 14 while communicating with the host computer 3, and executes transaction processing according to the customer's operation.
[0004]
In such an automatic transaction apparatus 10, the transaction procedure is determined in advance, and the user is requested to perform an operation according to the guidance pattern of the specified transaction operation procedure. For this reason, an automatic transaction device that memorizes past transactions performed by the customer, displays the transaction history at the next transaction, makes the operation of the customer more reliable, and facilitates the operation by selecting the same transaction is proposed (For example, refer to Patent Document 1).
[0005]
[Patent Document 1]
JP-A-11-110608 (pages 6-7, FIG. 9)
[0006]
[Problems to be solved by the invention]
However, in the conventional automatic transaction apparatus, there is a problem that it is difficult to accurately provide operation guidance at the time of transaction according to the customer.
[0007]
When the past transaction data of the customer described above is stored and a transaction is executed based on the stored transaction data, there is a problem that a huge memory is required to store the past transaction data. For example, if the past transaction history is stored on the card side, the memory of the card may be exceeded depending on the amount of transaction processing.
[0008]
In addition, by referring to the past transaction history, it is possible to avoid customer operation mistakes. However, this requires a complicated operation of requesting display of a transaction history, confirming the displayed transaction history, and selecting and selecting a desired transaction from the transaction history. In particular, when many past transaction histories are displayed, there is a problem that it takes time to select a transaction that one wants to execute, which increases the complexity.
[0009]
Furthermore, the transaction history only records operations in individual transactions such as deposit processing, withdrawal processing, balance inquiry processing, and transfer processing. For this reason, only individual transactions can be selected from the transaction history. Therefore, when a deposit or balance inquiry is to be performed before the transfer process, the operation procedure defined for the normal deposit operation or balance inquiry operation must be executed. In other words, when making a transfer after depositing into an account, a series of deposit operations from the insertion of the card must be performed to receive the card, and then a complicated operation of inserting the card again and performing the transfer operation must be performed. Don't be.
[0010]
As described above, in the conventional automatic transaction apparatus, it is possible to save the trouble of individual transactions by using the transaction history and avoid an operation error, but guide the accurate operation procedure according to the user. It was difficult to provide.
[0011]
This invention is made | formed in view of such a point, It aims at providing the automatic transaction processing program and automatic transaction apparatus which can provide the operation guidance at the time of transaction according to each customer. .
[0012]
[Means for Solving the Problems]
In order to solve the above-described problems, the present invention provides an automatic transaction processing program for causing a computer to execute processing as shown in FIG. The automatic transaction processing program according to the present invention is applied to an automatic transaction apparatus in a financial institution. The automatic transaction processing program can cause a computer to execute the following processing.
[0013]
When the transaction is started, the computer reads operation history information related to a predetermined operation performed by the user in the previous transaction from the history information storage unit 15 (step S1). Next, statistically process this operation history information, Calculate statistics on a series of transaction operations performed continuously within a certain period of time Generate statistical information. Then, based on the statistical information, it is determined whether to select an adaptive transaction operation guidance process adapted to the user or a fixed normal transaction operation guidance process (step S2). In the case of adaptive transaction operation guidance processing, statistical information is analyzed, and adaptive transaction operation guidance corresponding to the user's past transaction operation is displayed or output to the customer operation unit 13 and provided to the user (step S3). . When the adaptive transaction operation guidance process is not activated, the normal transaction operation guidance process is provided to the user (step S4). Next, the operation history information is updated according to the transaction operation performed by the user in accordance with any transaction operation guide and stored in the history information storage unit 15 (step S5). And the transaction process instruct | indicated by transaction operation is performed (step S6).
[0014]
When such an automatic transaction processing program is executed by a computer, a transaction is started, and operation history information about the user is read from the history information storage unit 15. In the operation history information, a history of operations targeted for adaptive transaction operation guidance performed by the user in the past is recorded. And the operation history information is statistically processed, Calculate statistics on a series of transaction operations performed continuously within a certain period of time Statistical information is generated. The predetermined operation may be either a single operation or a series of continuous operations. The statistical information is obtained by calculating the number of times such a predetermined operation is performed, the frequency, and the like, and can grasp the tendency of the operation performed by the user. Next, based on the statistical information, it is determined whether to start the adaptive transaction operation guidance process or the normal transaction operation guidance process. When the adaptive transaction operation guidance process is selected, the trend of the user's past transaction operation is grasped by analyzing the statistical information, and the operation guidance based on this is displayed or output to the customer operation unit 13. On the other hand, when the normal transaction operation guidance process is selected, a fixed operation guidance pattern is displayed or output to the customer operation unit 13. Next, the operation history information is updated and stored in the history information storage unit 15 in accordance with the transaction operation performed by the user according to any transaction operation guide.
[0015]
In addition, in order to solve the above-described problem, a history information storage unit that stores operation history information related to a predetermined operation that the user has performed so far, and a use stored in the history information storage unit when a transaction is started History information reading means for reading the operation history information of the user, and statistical processing of the operation history information , Calculate statistics on a series of transaction operations performed continuously within a certain period of time Statistical processing means for generating statistical information and determining whether to start the adaptive transaction operation guidance process adapted to the user based on the statistical information, and when the adaptive transaction operation guidance process is activated by the determination, Analyze statistical information to provide adaptive transaction operation guidance according to the user's past transaction operations, and if the adaptive transaction operation guidance process is not activated, perform a fixed normal transaction operation guidance and perform the transaction operation procedure Depending on the transaction operation input according to the transaction operation guide provided by the transaction operation processing means provided by the transaction operation processing means Manipulate There is provided an automatic transaction apparatus comprising history information updating means for updating the production history information.
[0016]
In such an automatic transaction apparatus, operation history information that is updated every time a user performs an operation is stored in the history information storage means. The history information reading means reads user operation history information from the history information storage means. The statistical processing means statistically processes the read operation history information, Calculate statistics on a series of transaction operations performed continuously within a certain period of time Generates statistical information that represents the tendency of user operations. Then, it is determined whether or not to perform adaptive transaction operation guidance according to the statistical information. When the adaptive transaction operation guide is selected, the transaction operation processing means analyzes the statistical information to grasp the tendency of the user's transaction operation, and creates the adaptive transaction operation guide according to the tendency of the user's operation. Provide to users. Otherwise, a fixed pattern normal transaction operation guide is provided. The history information updating means updates the operation history information according to the transaction operation performed by the user.
[0017]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings. First, the concept of the invention applied to the embodiment will be described, and then the specific contents of the embodiment will be described.
[0018]
FIG. 1 is a conceptual diagram of the invention applied to the embodiment of the present invention.
The automatic transaction processing program can cause a computer to execute the following processing, and the computer that executes the automatic transaction processing program according to the present invention functions as an automatic transaction apparatus.
[0019]
The customer operation unit 13 includes a display unit that guides the transaction procedure to the user, and an operation unit that is operated by the user. For example, an operation guide and operation are performed on a display screen equipped with a touch sensor. It is recognized that the key is pressed by displaying the key and touching the operation key. The operation guidance may be performed by voice output.
[0020]
The history information storage unit 15 stores operation history information related to past operations of the user who is the target of the adaptive transaction operation guidance process. Details will be described later. The operation history information is read by the history information reading process (step S1) and updated in the adaptive transaction operation guidance process (step S3) or the normal transaction operation guidance process (step S4).
[0021]
Processing executed by the computer by the automatic transaction processing program will be described.
When the transaction is started, a history information reading process for reading the operation history information of the user from the history information storage unit 15 is performed (step S1). In the read operation history information, a series of operations that are targets of adaptive transaction operation guidance performed by the user in the past transaction are recorded. For example, when performing guidance adapted to an operation when a plurality of transactions are continuously performed such as balance inquiry and withdrawal, at least operation history information related to the operation performed continuously is recorded. Yes.
[0022]
Next, statistical information is generated by statistically processing the extracted operation history information, and statistical information generation processing for determining whether to perform adaptive transaction operation guidance is performed (step S2). In the operation history information, a history of a predetermined operation subject to adaptive transaction operation guidance is recorded, and statistical information is generated by calculating how many times or how often this predetermined operation has been performed. To do. When the statistical information is analyzed and a certain predetermined operation has been performed more than a certain number of times, the user recognizes that there is a tendency to perform the operation, and performs an adaptive transaction operation guidance process corresponding to this judge. On the other hand, if there is a lack of history or no particular trend is found due to analysis, it is determined that a fixed pattern normal transaction operation guidance process is performed.
[0023]
When it is determined that the adaptive transaction operation guidance process is performed, the statistical information is analyzed, the trend of the transaction operation of the user is grasped, and the adaptive transaction operation guide adapted to the grasped trend is output to the customer operation unit 13 Transaction operation guidance processing is performed (step S3). For example, if it is determined by analysis that the user has a tendency to conduct a continuous transaction such as “Balance inquiry” and “Withdrawal”, an adaptive transaction is made so that “Withdrawal” transaction can be performed after “Balance inquiry”. An operation guide is created and output to the customer operation unit 13. The user performs a transaction operation according to the customer operation unit 13 on which the adaptive transaction operation guide is displayed.
[0024]
On the other hand, when it is determined not to perform the adaptive transaction operation guidance, a fixed pattern normal transaction operation guidance process is performed (step S4). The normal transaction operation guide is a general fixed pattern transaction guide in which keys such as “deposit”, “transfer”, “balance inquiry”, and “withdraw” are arranged. The user operates according to the normal transaction operation guide.
[0025]
Next, a history information update process for updating the operation history information according to the operation performed by the user is performed (step S5). The transaction operation performed in the adaptive transaction operation guidance process (step S3) or the normal transaction operation guidance process (step S4) is analyzed, and if an operation targeted for the adaptive transaction operation guidance is performed, this is operated. This is added to the history information and stored in the history information storage unit 15.
[0026]
After the transaction operation by the user is completed and the transaction content is determined by the above processing procedure, transaction processing is performed (step S6). In the transaction process, the host computer is connected to execute the transaction instructed by the user.
[0027]
As described above, in the present invention, the history of transaction operations performed by the user so far is recorded, and the trend of the transaction operations of the user is grasped by statistically processing the transaction operation history information. And based on the grasped tendency of transaction operation, transaction operation guidance adapted to individual user characteristics can be performed. For this reason, a complicated operation such as pre-registration is not required, and a suitable transaction operation guide can be provided to the user.
[0028]
Hereinafter, an embodiment will be described by taking as an example a case where the present invention is applied to an automatic transaction apparatus that identifies a user with an inserted card and connects to a host computer to execute automatic transaction processing. FIG. 2 is a configuration diagram of the automatic transaction apparatus according to the embodiment of the present invention. The same parts as those in FIG.
[0029]
The automatic transaction apparatus 1 according to the embodiment of the present invention starts a process when a card is inserted by a user, and executes a transaction process while updating with the host computer 3.
[0030]
The automatic transaction apparatus 1 includes a card reading unit 11 that reads customer information recorded on a card 2, a customer operation unit 13 that provides operation guidance to a user and inputs a user's operation, and a handset 14 that performs operation guidance by voice output. And a control unit 100 for controlling transaction processing. Here, since the card reading unit 11, the customer operation unit 13, and the handset 14 are the same as those of a conventional automatic transaction apparatus, description thereof is omitted.
[0031]
The control unit 100 includes a history information reading unit 110 that reads user operation history information, a statistical processing unit 120 that performs statistical processing of operation history information, a transaction operation guidance display or a transaction that processes control of voice output and operation input. Operation processing means 130, history information updating means 140 for updating operation history information in response to a transaction operation, and transaction processing means 150 for performing transaction processing are included. In the embodiment shown in FIG. 2, the history information storage unit 15 is provided in the host computer 3 and reads and writes the operation history information via the control unit 31 that controls the entire apparatus.
[0032]
The history information reading means 110 acquires customer information for identifying the user recorded on the card 2 from the card reading unit 11, and based on this, the user's operation history information is stored in the history information storage unit of the host computer 3. Read from 15. In the operation history information, past transaction operations that are targets of adaptive transaction operation guidance adapted to the user are recorded. The acquired operation history information is delivered to the statistical processing means 120.
[0033]
The statistical processing means 120 statistically processes the operation history information, and generates statistical information such as the number and frequency of transaction operations that the user has frequently performed in the past from past transaction operations. With this statistical information, it is possible to grasp the tendency of the user's operation. Further, based on the statistical information, it is determined whether or not to perform an adaptive transaction operation guidance process for performing operation guidance in accordance with the user's tendency. The determination result is delivered to the transaction operation processing means 130 together with the statistical information. Note that the statistical processing unit 120 may execute only the statistical processing, and the determination processing may be performed by the next transaction operation processing unit 130.
[0034]
When it is determined that the adaptive transaction operation guidance is to be performed, the transaction operation processing means 130 creates an adaptive transaction operation guidance screen adapted to the user's transaction operation tendency obtained from the statistical information and displays it on the customer operation unit 13. . Alternatively, the guidance is output by voice from the handset 14. Then, the transaction operation performed by the user is notified to the history information updating unit 140 and the transaction processing unit 150 while referring to the adaptive transaction operation guide. On the other hand, when it is determined that the adaptive transaction operation guidance is not performed, a normal transaction guidance screen having a predetermined fixed pattern is displayed on the customer operation unit 13 or voiced to the handset 14. Subsequent operations are the same as in the adaptive transaction operation guidance process.
[0035]
The history information update unit 140 acquires customer information and information indicating the contents of the transaction operation performed by the user. If the transaction operation is a transaction operation to be acquired in advance, the transaction operation is performed. It is added to the operation history information and stored in the history information storage unit 15. The target of history acquisition is a transaction operation that is referred to when performing adaptive transaction operation guidance. Thus, it is possible to reduce the storage capacity by leaving only the history of operations necessary for the adaptive transaction operation guidance. When there is a margin in the storage capacity of the storage medium, or when various adaptive transaction operation guidance is performed, all transaction operations may be left as a history.
[0036]
The transaction processing means 150 acquires the contents of the transaction operation performed by the user, and communicates with the control unit 31 of the host computer 3 to execute the transaction process. After the transaction ends, the customer's card 2 is returned and the process is terminated. In addition, when performing a continuous transaction process etc., it returns to the transaction operation process means 130 as needed, and the process from the next transaction guidance is repeated.
[0037]
The operation and automatic transaction method of the automatic transaction apparatus 1 having such a configuration will be described based on a specific example of adaptive transaction operation guidance.
A continuous transaction operation guide will be described as a first adaptive transaction operation guide example. Conventionally, the transaction operation has been carried out by procedures such as “card insertion”, “transaction operation”, and “card return” for each transaction item such as “deposit”, “withdrawal”, and “transfer”. In the present invention, the transaction operation history of the user is statistically processed to grasp the tendency when the user performs such transaction items continuously, thereby enabling continuous transaction operation.
[0038]
FIG. 3 shows an example of a transaction operation performed by the user. In the transaction operation performed by the user, as shown in FIG. 3, (2) Balance inquiry, (3) Transfer, (4) Withdrawal at Unit 1003 from 10:00 to 10:05 on April 9 Trading is taking place. Also, for example, between 12:02 and 12:04 on April 11, (6) Balance inquiry and (7) Withdrawal transaction were performed at Unit 1002 and April 12 16:05 to 16: During 08, (8) balance inquiry and (9) transfer transaction are performed in the 1030 unit. Furthermore, on April 14, (10) balance inquiry, (11) transfer, and (12) withdrawal transactions are carried out between 10:30 and 10:35 at Unit 1001.
[0039]
Operation information (customer information, date and time of operation, transaction content, etc.) is input to the history information update unit 140 for each transaction operation as shown in FIG. Based on the operation information, the history information update unit 140 regards the transaction operation performed by the same user within a predetermined time as a continuous operation, and stores it in the history information storage unit 15 as the operation history information of the continuous transaction.
[0040]
FIG. 4 is a diagram showing continuous transaction operation history information in the automatic transaction apparatus according to the embodiment of the present invention. When a transaction operation is started by a certain user, a continuous flag is set, and the transaction items performed by this user until another user's transaction is started or a predetermined time elapses. Record as continuous transaction operation history information 201. The continuous flag is maintained until a series of operations is completed, and the transaction item is represented by a numerical value corresponding to the transaction item. For example, in the operation (1) in the example of FIG. 3, the transaction item is recorded as a balance inquiry in the continuous flag 1033, and the continuous operation in (2), (3), and (4) is the transaction item in the continuous flag 1034. Recorded as balance inquiry / transfer / withdrawal. Similarly, the operation of (5) is a continuous flag 1035, the operation of (6), (7) is a continuous flag 1036, the operation of (8), (9) is the continuous flag 1037, (10), (11), ( In the operation 12), the transaction item is recorded in the continuous flag 1038.
[0041]
The history information reading means 110 reads the continuous transaction operation history information 201 and sends it to the statistical processing means 120.
The statistical processing means 120 performs statistical processing and generates statistical information. For example, in the example of FIG. 4, a continuous operation of balance inquiry / transfer / withdrawal is detected by a continuous flag 1034, 1038, and a continuous operation of balance inquiry / withdrawal is detected by a continuous flag 1036, 1040, 1041, 1044. Obtained as statistical information. Similarly, the continuous operation of balance inquiry / transfer is detected by the continuous flag 1037, the continuous operation of deposit / transfer / withdrawal is detected by the continuous flag 1042, and the continuous operation of transfer / withdrawal is detected by the continuous flag 1044. Further, the statistical information is analyzed, and if a predetermined continuous transaction has been performed a predetermined number of times or more, a selection is made to perform adaptive transaction operation guidance for the continuous transaction. For example, in the case of performing the adaptive transaction operation guidance when the same continuous transaction is performed two or more times, in the example of FIG. 4, the balance inquiry / transfer / withdrawal and the balance inquiry / withdrawal continuous operation are performed. Therefore, the adaptive transaction operation guide is selected. The determination result and the statistical information are delivered to the transaction operation processing means 130.
[0042]
Based on the determination, the transaction operation processing means 130 displays an adaptive transaction operation guide for continuous transactions or a normal transaction operation guide on the customer operation unit 13. 5 and 6 are display screens for adaptive transaction operation guidance for continuous transactions in the automatic transaction apparatus according to the embodiment of the present invention. FIG. 5 shows a transaction selection guidance screen at the start, and FIG. 6 shows a selection guidance screen after one process is completed.
[0043]
In the transaction selection guide screen 300 for the continuous operation adaptive transaction operation guide shown in FIG. 5, a withdrawal transaction key 301 for selecting a withdrawal transaction, a deposit transaction key 302 for selecting a receipt transaction, which are ordinary single transaction keys, Balance inquiry → transfer to select balance inquiry key 303 for selecting balance inquiry, transfer transaction key 304 for selecting transfer transaction, other key 305 for selecting other transaction, as well as continuous transaction obtained by statistical processing Key 306, balance inquiry → withdrawal key 307, transfer → withdrawal key 308, and balance inquiry → transfer → withdrawal key 309 are displayed. In the case of normal transaction operation guidance, only the withdrawal transaction key 301, the deposit transaction key 302, the balance inquiry key 303, the transfer transaction key 304, and the other key 305 are displayed.
[0044]
In the example of the figure, all the continuous transaction items detected by the statistical processing are displayed as the continuous processing key. If one of the continuous processing keys is operated, the transaction process written at the beginning is executed, and then the next transaction process is guided.
[0045]
FIG. 6 shows a display screen after the balance inquiry → transfer key 306, balance inquiry → withdrawal key 307, or balance inquiry → transfer → withdrawal key 309 is pressed, and the balance inquiry process is completed. On the selection screen 310 after the balance inquiry is completed, a message that the first process (balance inquiry) has been completed, and a transfer transaction key 311, a withdrawal transaction key 312 and an end key 313 for selecting the next transaction are displayed. . When the user selects one of the keys, one of the processes is executed. Since the transaction selection guide screen 300 also defines the processing after the balance inquiry, it is not necessary to select a transaction. In this case, a selection key may be provided to continue or end the process.
[0046]
Through the processing described above, statistical information on continuous transactions performed by the user based on the transaction operation history is generated, and a continuous transaction key corresponding to the statistical information is displayed on the transaction selection guide screen. This makes it possible to automatically set a continuous transaction that matches the user's characteristics. As a result, the operability of the automatic transaction apparatus can be greatly improved and the processing time can be shortened. In addition, since only information necessary for adaptive transaction operation guidance can be stored as operation history information, the capacity of the history information storage unit is reduced, and realization at low cost is possible.
[0047]
In the above description, the operation keys corresponding to the continuous transaction operation in the operation history information are displayed. However, priority can be provided to the operation keys. FIG. 7 is a display screen for adaptive transaction operation guidance for continuous transactions according to the priority of the embodiment of the present invention. According to the statistical information of the continuous transaction operation history information 201 in FIG. 4 in the above description, the balance inquiry / withdrawal continuous transaction is the most frequent, followed by the balance inquiry / transfer / withdrawal continuous transaction. . Therefore, the transaction operation processing means 130 determines the priority in order from the continuous transaction with the highest number of executions based on the statistical information. And it displays on a transaction selection guidance screen from a continuous transaction key with high priority. In the transaction selection guidance screen 320 of the continuous operation adaptive transaction operation guidance according to the priority shown in FIG. 7, the balance inquiry with high priority → withdraw key 307 and the balance inquiry with the next highest priority → transfer → withdrawal. Only the key 309 is displayed.
[0048]
Thus, by determining the priority based on the past transaction frequency and limiting the number of continuous transaction keys, it is possible to prevent the operation keys from increasing and the selection operation screen from becoming difficult to see.
[0049]
Next, the continuous transaction selection guide processing procedure of the automatic transaction apparatus according to the present invention will be described. FIG. 8 is a flowchart showing a continuous transaction selection guide processing procedure according to the embodiment of the present invention. The processing procedure shown in FIG. 8 is implemented by causing a computer to execute an automatic transaction processing program.
[0050]
In the continuous transaction operation history information 201, continuous transaction items detected for each transaction are recorded. Then, when the user inserts the card 2, the process is started.
[Step S11] The card information of the inserted card is read, and customer information is acquired.
[Step S12] Based on the customer information, continuous transaction operation history information related to the user's continuous transaction is read.
[Step S13] Statistical information of continuous transaction operation history information is generated. Here, the contents of the transaction subjects carried out continuously and the number of executions (frequency) thereof are calculated.
[Step S14] The number of executions calculated for each transaction item performed continuously is checked, and it is determined whether or not the number is equal to or greater than a certain number. If so, the process proceeds to step S15. If not, the process proceeds to step S16.
[Step S15] When there is a continuous transaction item with a certain number of executions or more, the adaptive transaction guidance screen is selected, and in addition to a single transaction key, a transaction selection guide for a continuous transaction key with a detected number of executions more than a certain number of times. Display on the screen.
[Step S16] When there is no continuous transaction item with a certain number of executions or more, the normal transaction guide screen is selected, and only a single transaction key is displayed on the transaction selection guide screen.
[Step S17] Transaction selection according to the transaction selection guidance screen displayed by the user is operated, and a guidance display screen corresponding to the transaction selection is appropriately displayed.
[Step S18] The continuous transaction operation history information is updated according to the transaction operation performed by the user.
[0051]
Further, in the above description, the case where the adaptive transaction operation guidance is displayed on the customer operation unit 13 has been described, but the same guidance can be performed using the handset 14.
[0052]
9, 10 and 11 are adaptive transaction operation guides for continuous transactions in the automatic transaction apparatus according to the embodiment of the present invention. 9 is a transaction selection guidance by voice corresponding to the transaction selection guidance screen at the start of FIG. 5, FIG. 10 is a voice transaction selection guidance corresponding to the second and subsequent transaction selection guidance screens of FIG. 6, and FIG. These are the figures which showed the transaction selection guidance by the audio | voice corresponding to the transaction selection guidance screen according to the priority of FIG.
[0053]
The handset 14 is a device that performs transaction operation guidance by voice output for visually impaired persons, and includes a voice output unit 141 and an operation unit 142 such as operation keys. Further, the process until the adaptive transaction operation guide for the continuous transaction is generated is the same as the case of display on the customer operation unit 13.
[0054]
FIG. 9 shows an audio output message 401 of a transaction selection guide at the start. In addition to normal transaction operations, continuous transaction guidance is provided for deposit / balance inquiry / withdrawal, balance inquiry / withdrawal, and deposit / balance inquiry.
[0055]
FIG. 10 shows an audio output message 402 of the transaction selection guide after the continuous transaction is selected and the balance inquiry is finished. Guidance on subsequent transaction operations is provided.
[0056]
FIG. 11 shows an audio output message 403 for transaction selection guidance according to priority. Here, among the continuous transaction guidance shown in FIG. 9, the balance inquiry / withdrawal with high priority and the continuous transaction of deposit / balance inquiry are guided.
[0057]
Next, as a second example of the adaptive transaction operation guidance, the selection of display item size will be described. Some automatic transaction apparatuses can perform operations for selecting the size of display items for users who have difficulty in identifying small characters. In such an automatic transaction apparatus, the size of the display item is set according to the size selection of the display item by the user. FIG. 12 is a diagram showing the size of display items on the display screen in the automatic transaction apparatus according to the embodiment of the present invention. (A) is a display screen when the display item size is standard (in the character), and (B) is a display screen when the display item size is extra large (character extra large). In the example of the figure, the display items are displayed in three stages of standard characters, character size, and character extra-large size. In the normal transaction guide screen, the transaction screen 330 in the standard characters shown in (A) is displayed. The transaction screen 330 is provided with a large key 331 for enlarging the size of the display item and an extra large key 332 for further enlarging. When either key is selected, the character size of the display item on the transaction screen 330 is changed. Change. When the oversized key 332 is selected on the transaction screen 330, the transaction screen 330 displays the character oversized transaction screen 340 shown in FIG. The transaction screen 340 is provided with a large key 341 for reducing the size of display items and a middle key 342 for returning to the standard. By selecting one of the keys, the size of the display item changes.
[0058]
In the embodiment of the present invention, the size of the display item suitable for the user is automatically selected based on the enlargement / reduction operation history information in which the operation history of the enlargement / reduction key for selecting the size of the display item is recorded.
[0059]
First, the enlargement / reduction operation history information stored in the history information storage unit 15 will be described. FIG. 13 is a diagram showing enlargement / reduction operation history information in the automatic transaction apparatus according to the embodiment of the present invention. When the enlargement / reduction key is operated, the history information updating unit 140 adds the selected operation key and the transaction item at that time to the enlargement / reduction operation history information 203 and updates the history information. In the example of FIG. 13, the extra large key is pressed during the balance inquiry transaction, and the large key is pressed during the withdrawal transaction.
[0060]
The statistical processing unit 120 statistically processes the enlargement / reduction operation history information 203 read by the history information reading unit 110, and generates statistical information of the operation of the enlargement / reduction key performed for each transaction item. FIG. 14 is a diagram showing statistical information of the enlargement / reduction operation in the automatic transaction apparatus according to the embodiment of the present invention. (A) is a balance inquiry transaction screen, (B) is a withdrawal transaction screen, and (C) is an operation history of the enlargement / reduction key executed on the transfer transaction screen. In this way, the statistical processing means 120 generates statistical information for each transaction item, and when the same character size is selected more than a certain number of times, the size of the display item when this transaction item is selected next. The adaptive transaction operation guidance is set so that is set to a size selected in the past. For example, when the same character size is selected twice or more, the adaptive transaction operation guidance display is performed. If the character size selected at the start of the transaction is the priority character, in the example of the balance inquiry transaction screen in (A), the special key is displayed twice with the priority character displayed first when the transaction screen is started. Is operated, the adaptive transaction operation guidance for making the next priority character extra large is performed. Similarly, on the withdrawal transaction screen in (B), since the large key has been operated twice with the priority character in the middle, the priority character in the next round is increased, and the priority on the transfer transaction screen in (C) Since the extra large key has been operated twice with the character in the middle, the adaptive transaction operation guidance for making the next priority character extra large is performed.
[0061]
Next, the display item size selection processing procedure of the automatic transaction apparatus according to the present invention will be described. FIG. 15 is a flowchart showing the display item size selection processing procedure according to the embodiment of the present invention. The processing procedure shown in FIG. 15 is implemented by causing a computer to execute an automatic transaction processing program.
[0062]
In the continuous transaction operation history information 201, the operation key of the enlargement / reduction key pressed at the time of transaction and its transaction item are recorded.
[Step S21] The card information of the inserted card is read, and customer information is acquired.
[Step S22] Based on the customer information, the enlargement / reduction operation history information related to the enlargement / reduction operation of the display item of the user is read.
[Step S23] Statistical information for each transaction item is generated from the enlargement / reduction operation history information. Here, the number of times the operation key is pressed when the character item is enlarged or reduced for each transaction item is calculated.
[Step S24] The number of times of operation of the enlargement / reduction key calculated for each transaction item is checked, and it is determined whether or not the number is larger than a predetermined number. The font size set last time is set. If so, the process proceeds to step S25, and if not, the process proceeds to step S26.
[Step S25] When the number of times the display item enlargement / reduction operation is performed is a certain number or more, the size of the display screen of the transaction item is set to a selected character size.
[Step S26] The transaction guide screen for this transaction item is displayed with the character size set in the previous steps, and transaction processing is performed.
[Step S27] The enlargement / reduction operation history information is updated according to the transaction operation performed by the user.
[0063]
By executing the above processing, it is possible to provide an adaptive transaction operation guidance screen that displays a character display screen of an accurate size based on the user's previous operation history. In this way, the transaction operation guidance screen having the optimum character size for the user is automatically displayed, so that the operability for the user is improved.
[0064]
Next, a transfer deadline notification will be described as a third example of adaptive transaction operation guidance. Conventionally, a lot of information setting is required for the transfer transaction, and there has been a method for simplifying the operation. However, all of these processes are performed after the transfer transaction is selected. In the present invention, the transfer transaction operation history information is generated and analyzed to estimate the transfer deadline of the transfer transaction that has been repeatedly performed and guide the transfer transaction.
[0065]
The history information update unit 140 receives operation information (customer information, date and time of operation, transfer destination account number, etc.) for each transfer transaction. The history information update unit 140 generates transfer date history information related to the transfer transaction based on the operation information and stores it in the history information storage unit 15.
[0066]
FIG. 16 is a diagram showing transfer date history information in the automatic transaction apparatus according to the embodiment of the present invention. The transfer date history information 204 stores a transaction date on which a transfer transaction is performed each time a transfer transaction occurs, and a transfer destination.
[0067]
The statistical processing means 120 performs statistical processing on the transfer date history information 204 read by the history information reading means 110. In the statistical processing, for example, statistics of the transfer date for each transfer destination are taken and the range of the transfer date is analyzed. In the case of the transfer date history information 204 shown in FIG. 16, for example, statistical information that a transfer transaction is performed on March 13, April 10, and May 17 in the transfer destination “9999 001 1234567”. Is obtained. Similarly, the bank account “8888 022 12345678” on March 13th and May 17th, the bank account “7777 004 1345567” on March 29th, April 30th and June 8th. It can be seen that “6666 011 12345678” has a transfer transaction on April 1, April 30, and May 25.
[0068]
By analyzing such statistical information, the estimated transfer date is obtained. FIG. 17 is a diagram showing transfer forecast date information in the automatic transaction apparatus according to the embodiment of the present invention. The predicted transfer date information 205 is obtained by analyzing the statistical information of the transfer date history information 204 shown in FIG. For example, in the transfer destination “9999 001 12345678”, the estimated transfer date is 10 to 17th of every month. Similarly, the estimated transfer date of the bank account “8888 022 12345678” is the odd numbered month 10 to 17th, the estimated transfer date of the bank account “7777 004 12345678” is 25 to 8th of every month, and the estimated transfer date of “6666 011 1234567” is It can be seen that the range is 25 to 1 day every month.
[0069]
In the transaction operation processing means 130, an adaptive transaction operation guide for notifying the user that the estimated transfer date is approaching when the estimated transfer date due to the analysis of statistical information is approached and this transfer transaction has not been processed is provided. Displayed on the customer operation unit 13. FIG. 18 is a display screen of the adaptive transaction operation guidance for the transfer deadline notification in the automatic transaction apparatus according to the embodiment of the present invention.
[0070]
18 is displayed when a transaction is performed near the estimated transfer date obtained by the statistical processing of the transfer transaction date. In the adaptive transaction operation guidance screen 350 of the transfer deadline notification, a transfer notification processing to the transfer destinations 351 and 353 and the respective transfer destinations to which the estimated transfer due date is approached, together with a message notifying that the estimated transfer due date is approaching. Transaction keys 352 and 354 for ending, and an end key 355 for ending the processing are displayed. The user presses the transaction keys 352 and 354 when performing a transfer transaction to the notified transfer destination. Thereby, the transfer transaction process is started. In the example shown in the figure, the payees 351 and 353 are displayed by the holder obtained by searching customer information of the host computer based on the account number recorded in the history information.
[0071]
By the above processing, when the transfer forecast due date predicted from the statistical information of the transfer transaction approaches, it is notified that the transfer forecast due date has approached at the time of transaction execution, and the adaptive transaction operation guide that can continue to perform the transfer transaction is Done. In this way, since an operation such as registration of a scheduled transfer date is not required in advance, and notification is made when the estimated transfer date approaches, forgetting to transfer can be prevented, and convenience for the user is improved.
[0072]
Further, the third adaptive transaction operation guidance may be output to the handset 14 as in the case of the first guidance example. FIG. 19 is an adaptive transaction operation guide for a transfer deadline notification in the automatic transaction apparatus according to the embodiment of the present invention. This is a voice output of the transfer deadline notice on the display screen of FIG.
[0073]
The figure shows an audio output message 404 for a transfer deadline notification when transaction processing is performed. In the voice output message 404 of the transfer deadline notification, a transaction operation guidance for performing the transfer process is performed, with the estimated transfer due date approaching.
[0074]
Next, the processing procedure of the transfer deadline notification of the automatic transaction apparatus according to the present invention will be described. FIG. 20 is a flowchart showing a processing procedure for transfer deadline notification according to the embodiment of the present invention. The processing procedure shown in FIG. 20 is implemented by causing a computer to execute an automatic transaction processing program.
[0075]
In the continuous transaction operation history information 201, the operation key of the enlargement / reduction key pressed at the time of transaction and its transaction item are recorded.
[Step S31] The card information of the inserted card is read, and customer information is acquired.
[Step S32] Based on the customer information, the transfer operation history information related to the transfer transaction of the user is read.
[Step S33] Statistical information for each transfer destination is generated from the transfer operation history information. Further, statistical processing is performed on the date when the transfer transaction is performed for each transfer destination, and transfer prediction due date information is generated by predicting the date range where the transfer transaction is performed.
[Step S34] It is determined whether or not the predicted transfer forecast date has been approached. If it is determined that the transfer has been approached, it is further determined whether or not this transfer transaction is unprocessed. If unprocessed, the process proceeds to step S35. If the transaction process has been completed or there is no transfer forecast due date, the process proceeds to step S37 without notifying the transfer deadline.
[Step S35] If it is near the transfer due date and this transfer transaction is unprocessed, a transfer deadline notification message is displayed, followed by a continuous transaction key for performing the transfer transaction.
[Step S36] Transfer transaction processing is executed.
[Step S37] The transfer operation history information is updated according to the transaction operation performed by the user.
[0076]
By executing the above processing, a transfer deadline notification for notifying that the estimated transfer due date is approaching based on the transaction operation history of the user so far is performed. In this way, the convenience for the user is improved by the automatic transfer deadline notification.
[0077]
In the above description, the history information storage unit is provided in the host computer. However, the history information storage unit may be provided in the card.
In this case, the operation history information stored in the history information storage unit of the card 2 is read together with the user identification information by the card reading unit 11 and delivered to the history information reading means 110. The subsequent processing is the same as in FIG.
[0078]
In such a configuration, it is not necessary to communicate with the host computer 3 in order to acquire operation history information, so that the load on the host computer 3 can be reduced.
[0079]
Further, together with the history information storage unit, the history information reading means 110, the statistical processing means 120, the transaction operation processing means 130, and the history information updating means 140 of the automatic transaction apparatus 1 shown in FIG. 2 can be provided in the IC card. .
[0080]
By providing the processing unit on the IC card, it is possible to set the specified value on each IC card without depending on the terminal side for the processing described above. Thereby, processing setting for each card becomes possible.
[0081]
The above processing functions can be realized by a computer. In that case, a program describing the processing contents of the function that the automatic transaction apparatus should have is provided. By executing the program on a computer, the above processing functions are realized on the computer. The program describing the processing contents can be recorded on a computer-readable recording medium. Examples of the computer-readable recording medium include a magnetic recording device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. Examples of the magnetic recording device include a hard disk device (HDD), a flexible disk (FD), and a magnetic tape. Examples of the optical disc include a DVD (Digital Versatile Disc), a DVD-RAM (Random Access Memory), a CD-ROM (Compact Disc Read Only Memory), and a CD-R (Recordable) / RW (ReWritable). Magneto-optical recording media include MO (Magneto-Optical disk).
[0082]
When distributing the program, for example, portable recording media such as a DVD and a CD-ROM in which the program is recorded are sold. It is also possible to store the program in a storage device of a server computer and transfer the program from the server computer to another computer via a network.
[0083]
The computer that executes the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. Then, the computer reads the program from its own storage device and executes processing according to the program. The computer can also read a program directly from a portable recording medium and execute processing according to the program. Further, each time the program is transferred from the server computer, the computer can sequentially execute processing according to the received program.
[0084]
(Supplementary note 1) In an automatic transaction processing program that guides a transaction operation procedure to a user and performs predetermined transaction processing according to the above procedure,
On the computer,
When the transaction is started, the operation history information related to the predetermined operation performed by the user so far is read,
Statistical information about the predetermined operation is generated using the operation history information, and it is determined whether to select an adaptive transaction operation guide or a fixed normal transaction operation guide adapted to the user based on the statistical information And
When the adaptive transaction operation guidance is selected, the statistical information is analyzed to provide the adaptive transaction operation guidance according to the past transaction operation of the user,
Updating the operation history information according to a transaction operation performed by the user according to the adaptive transaction operation guide or the normal transaction operation guide;
An automatic transaction processing program characterized by causing a procedure to be executed.
[0085]
(Additional remark 2) The procedure which produces | generates the said statistical information from the said operation history information calculates the statistics about the series of transaction operation performed continuously within a fixed time, and the said series performed more than predetermined times When the transaction operation is detected, the adaptive transaction operation guide is selected,
The automatic transaction processing program according to claim 1, wherein the procedure for providing the adaptive transaction operation guide incorporates a continuous transaction operation guide capable of selecting the series of transaction operations into the adaptive transaction operation guide.
[0086]
(Additional remark 3) The procedure which provides the said adaptive transaction operation guidance analyzes the said statistical information, sets the priority based on the appearance frequency of the said series of transaction operation, and performs the said transaction continuous process operation guidance according to the said priority The automatic transaction processing program according to supplementary note 2, characterized by:
[0087]
(Supplementary note 4) The automatic transaction process according to Supplementary note 2, wherein the adaptive transaction operation guidance is performed by displaying a transaction continuous processing operation key for collectively presenting the operation items of the series of transaction operations on a display screen. program.
[0088]
(Supplementary Note 5) The automatic transaction processing program according to Supplementary Note 2, wherein the adaptive transaction operation guidance is performed by outputting a transaction continuous processing operation guide that collectively presents the operation items of the series of transaction operations.
[0089]
(Additional remark 6) The procedure which produces | generates the said statistical information from the said operation history information is the statistics about operation which designates the magnitude | size of the display item displayed on the display screen which performs the said adaptive transaction operation guidance or the said normal transaction operation guidance. Calculate and select the adaptive transaction operation guide when the size designation of the display item executed more than a predetermined number of times is detected,
The procedure for providing the adaptive trading operation guide includes displaying the adaptive trading operation guide according to the size specification of the display item that has been executed the predetermined number of times or more on a display screen. Transaction processing program.
[0090]
(Additional remark 7) The procedure which produces | generates the said statistical information from the said operation history information is a predetermined transfer destination by the statistical process based on the date and time of the said transfer transaction, and the transfer destination, when the said predetermined operation is a transfer. Estimate the range of the estimated transfer date for which transactions will be conducted, and select the adaptive transaction operation guide when the range of the estimated transfer date can be grasped,
The procedure for providing the adaptive transaction operation guidance is to inform that the estimated transfer due date to the predetermined transfer destination is approaching when the transaction date and time is in the vicinity of the estimated estimated transfer date range. The automatic transaction processing program according to appendix 1, which is characterized by the following.
[0091]
(Additional remark 8) The procedure which provides the said adaptive transaction operation guidance further performs transaction operation guidance which enables the transfer to the said predetermined transfer destination where the said transfer estimated due date approached, The additional statement 7 characterized by the above-mentioned. Automatic transaction processing program.
[0092]
(Supplementary note 9) The automatic transaction according to supplementary note 7, wherein the adaptive transaction operation guidance is performed by displaying a message indicating that the range of the estimated transfer due date is approaching on the display screen together with the predetermined transfer destination. Processing program.
[0093]
(Additional remark 10) The said adaptive transaction operation guidance performs the transaction operational guidance which transfers a process to the said transfer transaction with the message which notifies that the range of the said transfer prediction due date is approaching, The automatic of Additional remark 7 characterized by the above-mentioned. Transaction processing program.
[0094]
(Supplementary note 11) The automatic transaction processing program according to supplementary note 7, wherein the adaptive transaction operation guidance is performed by outputting a message indicating that the range of the estimated transfer due date is approaching together with the predetermined transfer destination. .
[0095]
(Additional remark 12) In the automatic transaction apparatus which guides the operation procedure of a transaction to a user and performs predetermined transaction processing according to the procedure,
History information storage means for storing operation history information related to a predetermined operation performed by the user so far;
When the transaction is started, the user ID information for identifying the user is acquired, and the history of reading the operation history information of the user stored in the history information storage means using the user ID information Information reading means;
Statistical processing means for generating statistical information by statistically processing the operation history information, and determining whether to start an adaptive transaction operation guidance process adapted to the user based on the statistical information;
When the adaptive transaction operation guidance process is activated by the determination, the statistical information is analyzed and the statistical transaction guidance according to the past transaction operation of the user is performed, and the adaptive transaction operation guidance process is not activated. A transaction operation processing means for performing a fixed normal transaction operation guidance and instructing the user of a transaction operation procedure;
History information update means for updating the operation history information according to a transaction operation input in accordance with a transaction operation guide provided by the transaction operation processing means;
An automatic transaction apparatus comprising:
[0096]
(Supplementary Note 13) The history information storage means is provided on a card held by the user,
13. The automatic transaction apparatus according to appendix 12, wherein the history information reading unit reads the operation history information via a card reading unit that reads recorded information recorded on the card.
[0097]
(Additional remark 14) The said automatic transaction apparatus is provided in the card | curd which the said user holds, The automatic transaction apparatus of Additional remark 12 characterized by the above-mentioned.
[0098]
【The invention's effect】
As described above, in the present invention, every time a user performs a predetermined transaction operation, the operation history information is stored, and when the transaction is started, statistical information is generated using the operation history information. If established, the statistical information is analyzed to grasp the tendency in the user's transaction operation, and the statistical operation guidance process is performed in accordance with the tendency of the user's transaction operation.
[0099]
In this way, by analyzing statistical information created based on the operation history, by performing statistical operation guidance processing according to the grasped individual user's tendency, transaction operation suited to the individual user's characteristics Can be provided. As a result, the customer operability is improved, for example, unnecessary transaction operations can be omitted. Of course, operational errors are reduced. Furthermore, the overall transaction time can be shortened by improving customer operability.
[Brief description of the drawings]
FIG. 1 is a conceptual diagram of an invention applied to an embodiment of the present invention.
FIG. 2 is a configuration diagram of an automatic transaction apparatus according to an embodiment of the present invention.
FIG. 3 shows an example of a transaction operation performed by a user.
FIG. 4 is a diagram showing continuous transaction operation history information in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 5 is a display screen of continuous transaction adaptive transaction operation guidance in the automatic transaction apparatus according to the embodiment of the present invention. (First transaction selection guide)
FIG. 6 is a display screen of continuous transaction adaptive transaction operation guidance in the automatic transaction apparatus according to the embodiment of the present invention. (Transaction selection guidance for the second and subsequent times)
FIG. 7 is a display screen for adaptive transaction operation guidance for continuous transactions according to the priority according to the embodiment of the present invention;
FIG. 8 is a flowchart showing a continuous transaction selection guide processing procedure according to the embodiment of the present invention.
FIG. 9 is an adaptive transaction operation guide for continuous transaction in the automatic transaction apparatus according to the embodiment of the present invention. (First transaction selection guide)
FIG. 10 is an adaptive transaction operation guide for continuous transaction in the automatic transaction apparatus according to the embodiment of the present invention. (Transaction selection guidance for the second and subsequent times)
FIG. 11 is an adaptive transaction operation guide for continuous transactions according to the priority of the embodiment of the present invention.
FIG. 12 is a diagram showing the size of display items on the display screen in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 13 is a diagram showing enlargement / reduction operation history information in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 14 is a diagram showing statistical information of an enlargement / reduction operation in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 15 is a flowchart showing a display item size selection processing procedure according to the embodiment of the present invention;
FIG. 16 is a diagram showing transfer date history information in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 17 is a diagram showing transfer forecast date information in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 18 is a display screen for adaptive transaction operation guidance for a transfer deadline notification in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 19 is an adaptive transaction operation guide for a transfer deadline notification in the automatic transaction apparatus according to the embodiment of the present invention.
FIG. 20 is a flowchart showing a transfer deadline notification processing procedure according to the embodiment of the present invention.
FIG. 21 is a configuration diagram of a general automatic transaction apparatus.
[Explanation of symbols]
1 Automatic transaction equipment
2 cards
3 Host computer
11 Card reader
13 Customer Operation Department
14 Handset
15 History information storage unit
100 Control unit
110 History information reading means
120 Statistical processing means
130 Transaction operation processing means
140 History information update means
150 Transaction processing means

Claims (4)

In an automatic transaction processing program that guides the transaction operating procedure to the user and performs predetermined transaction processing according to the operating procedure,
On the computer,
When transaction is started, the procedure to read out the operation history information related to a predetermined operation by the user to be stored in the history information storage means has performed so far,
Using the operation history information, calculate statistics about a series of transaction operations performed continuously within a certain time to generate statistical information, and based on the statistical information, more than a predetermined number of times by the user If executed the series of transactions operation is detected, the procedure above to select an adaptive adapted for user transaction operation guide, if not detected, selecting a normal transactions within operating draft fixed,
Wherein when the adaptive transaction operation guide is selected, the procedure for providing incorporate selectable transaction continuous processing operation guiding said series of transactions operations performed more than a predetermined number of times in the adaptive transaction operation guidance,
Updating the operation history information in accordance with the transaction operation performed by the user according to the adaptive transaction operation guide or the normal transaction operation guide , and storing it in the history information storage means;
An automatic transaction processing program characterized in that The procedure for selecting guidance based on the operation history information includes calculating statistics about an operation for designating a size of a display item displayed on a display screen for performing the adaptive trading operation guidance or the normal trading operation guidance, When the size specification of the display item executed more than the number of times is detected, the adaptive transaction operation guide is selected,
  The procedure for providing the adaptive trading operation guide displays on the display screen the adaptive trading operation guide according to the size specification of the display item executed for the predetermined number of times. Automatic transaction processing program. The procedure for selecting guidance based on the operation history information is as follows. When the predetermined operation is a transfer, a procedure for selecting a transfer to a predetermined transfer destination by statistical processing based on the date and time of transfer transaction and the transfer destination is performed. Estimate the range of expected transfer due dates for transactions, and select the adaptive transaction operation guide when the range of expected transfer due dates can be grasped,
  The procedure for providing the adaptive transaction operation guidance is to inform that the estimated transfer due date to the predetermined transfer destination is approaching when the transaction date and time is in the vicinity of the estimated estimated transfer date range. The automatic transaction processing program according to claim 1, wherein: In an automatic transaction apparatus that guides a transaction operation procedure to a user and performs predetermined transaction processing according to the operation procedure,
  History information storage means for storing operation history information related to a predetermined operation performed by the user so far;
  When a transaction is started, a history of acquiring user identification information for identifying the user and reading the operation history information of the user stored in the history information storage means using the user identification information Information reading means;
  Using the operation history information, calculate statistics about a series of transaction operations performed continuously within a certain time to generate statistical information, and based on the statistical information, more than a predetermined number of times by the user Statistical processing that activates an adaptive transaction operation guidance process adapted to the user if the series of executed transaction operations is detected, and activates a fixed normal transaction operation guidance process if not detected Means,
  When the adaptive transaction operation guidance process is activated, the statistical information is analyzed, and a transaction continuous process operation guide capable of selecting the series of transaction operations executed more than a predetermined number of times is incorporated, and the user's past Transaction operation processing means for performing an adaptive transaction operation guidance according to the transaction operation and instructing the user of a transaction operation procedure by performing a fixed normal transaction operation guide when the normal transaction operation guidance process is activated When,
  History information update means for updating the operation history information according to a transaction operation input in accordance with a transaction operation guide provided by the transaction operation processing means, and storing the history information in the history information storage means;
  An automatic transaction apparatus comprising:

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