JP5262331B2 - Automatic transaction apparatus and information display system for automatic transaction apparatus - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and an information display system for an automatic transaction apparatus.

  Conventionally, customers who have opened accounts at financial institutions such as banks, credit unions, post offices, etc. are ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) installed at branches of financial institutions. By operating automatic transaction devices such as payment machines, various financial transactions such as deposits, withdrawals, passbook entry, balance inquiry, transfer, transfer, remittance, fixed deposit, etc. can be performed. .

  In this case, a transaction selection screen is displayed on a display device including a touch panel in the operation unit of the automatic transaction apparatus. Then, the customer touches and selects, for example, a “withdrawal” transaction button from among a plurality of transaction buttons as selection means displayed on the display device of the operation unit. Thereby, since a guidance screen for withdrawal is displayed on the display device of the operation unit, the customer touches the display device according to the displayed guidance, and enters a password, an amount, a cash card, etc. Necessary operations for withdrawals such as inserting cards and bankbooks are performed sequentially. When the customer performs an operation according to the guidance, a guidance screen for guiding the next operation is displayed on the display device. Finally, a lid (lid) member of the money receiving port in the operation unit is opened, and a medium such as cash, a card, a passbook, and a transaction statement slip is returned. Then, the customer receives the returned medium and ends the financial transaction.

In addition, the display conditions (parallax adjustment, wallpaper, etc.) of the display screen displayed on the display device of the operation unit and the presence / absence of transaction button display can be set for each customer, and the functions of the automatic transaction device are defined. And a system for an automatic transaction apparatus that can define the design of a display screen has been proposed (see, for example, Patent Document 1).
Japanese Patent Laid-Open No. 2002-279489

  However, in the conventional system, a convenient function that can be used for any transaction cannot be installed in the automatic transaction apparatus. In addition, the display condition of the display screen and the setting of whether or not to display the transaction button are set by operating a personal computer connected to the network, and can be performed by operating the operation unit of the automatic transaction apparatus. could not.

  For example, the fee confirmation screen corresponding to the usage time of the automatic transaction apparatus is not displayed after the confirmation button is pressed. However, it is desirable to be able to make a setting for each customer to display simultaneously with the operation screen of the corresponding transaction.

  The present invention solves the above-mentioned conventional problems, downloads application software stored in a server in advance to an automatic transaction apparatus, and a customer operates the operation unit of the automatic transaction apparatus to arbitrarily select the application software. An object of the present invention is to provide an automatic transaction apparatus and an information display system for the automatic transaction apparatus that can be activated and highly convenient for customers.

Therefore, the automatic transaction apparatus according to the present invention is an automatic transaction apparatus that is operated by a customer to perform a financial transaction , and displays icons corresponding to each of a plurality of application software in a row, and an arbitrary one of the icons. transactions including a gadget selecting means for launch the application software corresponding to the selected icon, a gadget display means for displaying information application software generates invoked the gadget display screen, operation buttons necessary for financial transactions possess a transaction display means for displaying a display screen, the gadget display means, the gadget display screen and the transaction display screen transitions and independently displayed.

In another automated transaction device of the present invention, further, the gadget selection means, Ru activates the plurality of the software application associated with.

In still another automatic transaction apparatus of the present invention, the plurality of associated application software further includes a current time and a fee list, and when the fee list is selected, the gadget display means displays the gadget display screen. The current time and fee list are displayed at the same time.

In yet another automatic transaction apparatus of the present invention, display content of the gadget display screen is stored in the financial transaction completion, that is displayed during the next financial transactions.

In the information display system of the automatic transaction apparatus of this invention, it is an information display system of the automatic transaction apparatus which has an automatic transaction apparatus and the server connected to this automatic transaction apparatus, Comprising: The said server is a memory | storage means which stores application software And a communication interface for transmitting the application software, wherein the automatic transaction apparatus displays a download means for downloading the application software from the server and icons corresponding to each of the plurality of downloaded application software in a line. , an application software corresponding to the arbitrarily selected icon from among the icons and gadgets selecting means for start, the information that the application software is generated which is activated gadget display screen Comprising a Shimesuru gadget display means, and a transaction display unit that displays the transaction display screen including operation buttons necessary for financial transactions, the gadget display means, the gadget display screen, regardless of the transition of the transaction display screen that displays.

In the information display system according to another automated transaction device of the present invention, furthermore, the gadget selection means, Ru activates the plurality of the software application associated with.

In the information display system of still another automatic transaction apparatus of the present invention, the plurality of associated application software further includes a current time and a fee list, and when the fee list is selected, the gadget display means includes: The current time and the fee list are displayed simultaneously on the gadget display screen.

In still information display system of another automated transaction device of the present invention, furthermore, the display contents of the gadget display screen is stored in the financial transaction completion, that is displayed during the next financial transactions.

  According to the present invention, in the automatic transaction apparatus, the application software stored in the server in advance is downloaded to the automatic transaction apparatus, and the customer operates the customer operation unit of the automatic transaction apparatus to arbitrarily select the application software. Can be activated. This improves convenience for customers.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing a configuration of an information display system for an automatic transaction apparatus according to a first embodiment of the present invention.

  In the figure, 10 is an automatic transaction device such as ATM, CD, etc. installed at a branch of a financial institution such as a bank, a credit union, a post office or the like. It is a device for conducting financial transactions such as money, passbook entry, balance inquiry, transfer, transfer and foreign currency deposit transactions. The automatic transaction apparatus 10 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 10 is a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. There may be. The customer is a person who opens his / her own account at a financial institution and uses the automatic transaction apparatus 10.

  Here, the automatic transaction apparatus 10 is a kind of computer that includes a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication interface, etc., and operates according to a program. The automatic transaction apparatus 10 includes a screen operation unit 11 as an operation unit including an input device such as a keyboard and a touch panel, a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display. The screen operation unit 11 is preferably a touch panel having both functions of an input device and a display device. Further, the screen operation unit 11 may include a voice input device such as a microphone for inputting customer voice, a voice output device such as a speaker for voice guidance, and the like.

  The automatic transaction apparatus 10 includes a card processing unit that handles cards such as cash cards. Here, the card is a card for performing a financial transaction such as deposit, withdrawal, transfer, balance inquiry, etc. issued to a customer by a financial institution, and information such as the customer's name, account number, and PIN is received. A magnetic stripe for storing is provided. The member that stores the information may be an IC embedded in a card instead of the magnetic stripe. The card processing unit includes a card slot into which a card is inserted and ejected. In the card slot, a transport device that transports the card, and reading of information stored in a magnetic stripe or IC of the card. In addition, a recording head such as a magnetic head for overwriting, erasing and the like is provided. It is desirable that the card processing unit can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  Further, the card processing unit has a function of issuing a transaction statement slip. The transaction statement is a piece of paper on which information related to financial transactions performed by the customer such as deposit, withdrawal, balance inquiry, transfer, transfer, remittance, fixed deposit, etc., is printed, account number, type of financial transaction, Transaction amount is printed. The transaction statement slip may be issued only when the customer desires.

  In addition, the automatic transaction apparatus 10 has a passbook entry unit for making entries in a passbook such as a deposit passbook. Here, the bankbook is a booklet bankbook such as a bankbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  The passbook entry unit includes a passbook slot (not shown) into which a passbook is inserted, and a transfer device for transporting the passbook, a print head for printing the financial transaction record on the passbook, and a passbook A recording head such as a magnetic head for reading, overwriting and erasing information stored in the magnetic stripe and the IC is provided.

  Furthermore, the automatic transaction apparatus 10 has a money deposit / withdrawal unit that handles banknotes and coins. The money deposit / withdrawal unit receives and counts, ie, counts, the cash deposited by the customer in the financial transaction such as deposit, and pays out a predetermined amount of cash from the cash receiving port in the financial transaction such as withdrawal. The cash receiving port is provided with a shutter that can be opened and closed, and the shutter is opened when paying out cash.

  The automatic transaction apparatus 10 includes, from the viewpoint of function, a download unit that downloads application software, a gadget selection unit that selects and starts arbitrary application software from the downloaded application software, and an activated application. Gadget display means for displaying information generated by software on the gadget display screen, and transaction display means for displaying a transaction display screen including operation buttons necessary for financial transactions.

  Reference numeral 20 denotes an application server as a server for providing application software as a gadget to the automatic transaction apparatus 10, as arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, and a communication interface The interface unit 21 is operated in accordance with the program, and the application software stored in the storage means in advance is transmitted to the automatic transaction apparatus 10 in response to a request. The application server 20 may be configured by a single computer such as a large general-purpose computer, or a plurality of computers connected organically as in a distributed server. It may be a thing or one of a plurality of systems constructed in a large computer. The automatic transaction apparatus 10 is communicably connected to the application server 20 via a network, downloads the screen content and application software stored in the storage means of the application server 20, and displays them on the screen operation unit 11. To do.

  Reference numeral 30 denotes a CRM (Customer Relationship Management) server as a server for managing customer information, as a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory and a magnetic disk, and a communication interface. Interface section 31, operates according to a program, creates information such as advertisements provided corresponding to the customer based on the customer ID of the customer who operates the automatic transaction apparatus 10, and stores the information in the automatic transaction apparatus 10. Send. The CRM server 30 may be configured by a single computer such as a large general-purpose computer, or may be a combination of a plurality of computers such as a distributed server. Alternatively, it may be one of a plurality of systems constructed in a large computer. The automatic transaction apparatus 10 is communicably connected to the CRM server 30 via a network, downloads a CRM advertisement as application software that is an advertisement created by the CRM server 30, and displays the screen operation unit 11. To display.

  The network includes a wired or wireless public communication line network, a dedicated communication line network, the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite communication line network, and the like. Any communication network may be used, or a combination of these may be used as appropriate.

  Next, operation | movement of the information display system of the automatic transaction apparatus 10 of the said structure is demonstrated.

  FIG. 2 is a diagram showing a display screen of the information display system of the automatic transaction apparatus according to the first embodiment of the present invention.

  First, when a customer conducts a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry, etc. by operating an automatic transaction apparatus 10 disposed at a branch of a financial institution, the automatic transaction apparatus 10 includes an application server 20. Download the screen contents and application software, and download the CRM advertisement from the CRM server 30. The automatic transaction apparatus 10 displays a display screen 12 as shown in the figure on the screen operation unit 11 based on the downloaded screen content, application software, and CRM advertisement.

  The display screen 12 displays information generated by a transaction display unit 13 as a transaction display screen including operation buttons and message displays such as a numeric keypad, a cancel button, and a correction button necessary for a financial transaction, and activated application software. A gadget display unit 14 as a gadget display screen, and an icon display unit 15 that displays an icon 16 as gadget selection means for selecting and starting application software that generates information displayed on the gadget display unit 14 are provided.

  In the example shown in the figure, the icon 16 includes a calculator icon 16a for selecting a calculator as application software, a clock icon 16b for selecting a clock as application software, and a CRM advertisement. Advertisement icon 16c, screen display remaining time icon 16d for selecting screen display remaining time as application software, and fee display icon 16e for selecting fee display as application software.

  The transaction display section 13 of the display screen 12 first displays a transaction selection operation button for selecting a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry. Then, the customer touches an operation button for selecting a desired financial transaction, for example, a balance inquiry from the displayed operation buttons, that is, clicks the operation button.

  Subsequently, since a screen for instructing insertion of a card is displayed on the transaction display unit 13, the customer inserts a cash card into the card slot of the card processing unit. Although the customer can use a bankbook such as a bankbook instead of the card, in the present embodiment, a case where a cash card as a card is used will be described.

  As shown in the figure, the transaction display unit 13 displays a numeric keypad together with an instruction for entering a personal identification number. The customer touches the numeric keypad and enters the personal identification number. Then, the recording head of the card handling unit reads the customer ID, which is information stored in the magnetic stripe or IC of the cash card. Then, the customer ID is transmitted from the automatic transaction apparatus 10 to the CRM server 30.

  Further, the automatic transaction apparatus 10 accesses an account system host apparatus (not shown) and acquires information on the balance of the customer's account. Then, information relating to the balance of the customer's account is displayed on the transaction display unit 13, recorded in a passbook, printed on a transaction statement, and output.

  On the other hand, the customer can click the icon 16 displayed on the icon display unit 15 at any time during the transaction. As a result, application software, a CRM advertisement, and the like corresponding to the clicked icon 16 are displayed on the gadget display unit 14. The example shown in the figure shows a case where the customer clicks on the advertisement icon 16c and the screen display remaining time icon 16d. When the advertisement icon 16c and the screen display remaining time icon 16d are clicked, the screen display remaining time and the CRM advertisement are displayed on the gadget display unit 14.

  The remaining screen display time indicates the remaining display time of the transaction display unit 13. In the automatic transaction apparatus 10, if an operation for financial transaction is not performed for a predetermined time or longer, it is determined that a timeout has occurred and the display on the transaction display unit 13 is returned to the initial display. For example, when the transaction display unit 13 is displayed for inputting a personal identification number as shown in the figure and the time during which the customer does not operate the operation button is equal to or longer than the predetermined time, the display returns to the initial display. An operation button for selecting a transaction for selecting a transaction is displayed. In this case, the customer needs to redo the operation for conducting the financial transaction from the beginning.

  Moreover, in this Embodiment, the display content of the gadget display part 14 is unrelated to the transition of the display content of the transaction display part 13. FIG. That is, the display content of the transaction display unit 13 changes as the transaction progresses, whereas the display content of the gadget display unit 14 remains unchanged.

  When the financial transaction ends, the display content of the gadget display unit 14 is stored in the CRM server 30. Thereby, in the financial transaction after the next time, the display content of the gadget display unit 14 stored in the CRM server 30 is displayed by default, which improves usability for the customer.

  As described above, in the present embodiment, the remaining screen display time is displayed on the gadget display unit 14, so that the customer can confirm the display contents of the display screen 12 with peace of mind. CRM advertisements displayed on the display unit 14, guidance displays from financial institutions, etc. can be confirmed over time. Accordingly, the number of contact points between the customer and the CRM advertisement is increased, and the value of the CRM advertisement is improved.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 3 is a diagram showing a display screen of the information display system of the automatic transaction apparatus according to the second embodiment of the present invention.

  In addition, about the structure of the information display system of the automatic transaction apparatus 10 in this Embodiment, since it is the same as that of the said 1st Embodiment, the description is abbreviate | omitted.

  Also in the present embodiment, when a customer performs a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry, etc. by operating an automatic transaction apparatus 10 disposed at a branch of a financial institution, the automatic transaction apparatus 10 Downloads the screen content and application software from the application server 20 and downloads the CRM advertisement from the CRM server 30 as in the first embodiment. The automatic transaction apparatus 10 displays a display screen 12 as shown in the figure on the screen operation unit 11 based on the downloaded screen content, application software, and CRM advertisement.

  The display screen 12 includes a transaction display unit 13, a gadget display unit 14, and an icon display unit 15 that displays an icon 16. In the example shown in the figure, the icons 16 include a calculator icon 16a for selecting a calculator, a clock icon 16b for selecting a clock, an advertisement icon 16c for selecting a CRM advertisement, and a remaining screen display time. Screen display remaining time icon 16d for selecting and a fee display icon 16e for selecting the fee display.

  The transaction display section 13 of the display screen 12 first displays a transaction selection operation button for selecting a financial transaction. Then, the customer clicks an operation button for selecting a desired financial transaction, for example, a balance inquiry, from the displayed operation buttons. Subsequently, since a screen for instructing insertion of a card is displayed on the transaction display unit 13, the customer inserts a cash card into the card slot of the card processing unit.

  As shown in the figure, the transaction display unit 13 displays a numeric keypad together with an instruction for entering a personal identification number. The customer touches the numeric keypad and enters the personal identification number. Then, the recording head of the card handling unit reads the customer ID, which is information stored in the magnetic stripe or IC of the cash card. Then, the customer ID is transmitted from the automatic transaction apparatus 10 to the CRM server 30.

  Further, the automatic transaction apparatus 10 accesses an account system host apparatus (not shown) and acquires information on the balance of the customer's account. Then, information relating to the balance of the customer's account is displayed on the transaction display unit 13, recorded in a passbook, printed on a transaction statement, and output.

  On the other hand, the customer can click the icon 16 displayed on the icon display unit 15 at any time during the transaction. As a result, information generated by the application software corresponding to the clicked icon 16 is displayed on the gadget display unit 14. The example shown in the figure shows a case where the customer clicks the clock icon 16b and the fee display icon 16e. By clicking the clock icon 16b and the fee display icon 16e, the current time and the fee list are displayed on the gadget display unit 14.

  The fee list is a list of changes in fees for each time zone for financial transactions such as deposits, withdrawals, transfers, and transfers. For example, with regard to withdrawal fees, the business hours of financial institution branches are free of charge, the morning hours before the start of business hours and the evening hours after the end of business hours are charged, and the hours in the early morning and late night are the most. Shown to be expensive. Similarly, for other financial transactions, changes in fees by time zone are shown. Therefore, if the current time is unknown, the customer cannot determine the fee for the financial transaction that is currently being performed or is about to be performed even if the customer sees the fee list. However, in the present embodiment, since the current time is also displayed on the gadget display unit 14, the customer can grasp the current time, and the fee for the desired financial transaction can be accurately determined by looking at the fee list. Judgment can be made.

  Moreover, in this Embodiment, the display content of the gadget display part 14 is unrelated to the transition of the display content of the transaction display part 13. FIG. That is, the display content of the transaction display unit 13 changes as the transaction progresses, whereas the display content of the gadget display unit 14 remains unchanged.

  As described above, in the present embodiment, since the current time and the fee list can be displayed simultaneously on the gadget display unit 14, the customer can accurately and easily grasp the current fee for a desired financial transaction. be able to. Therefore, convenience for customers is improved.

  Further, the customer can always display the fee list by clicking the fee display icon 16e, and can confirm the fee at any time.

  In addition, in this Embodiment, when the fee display icon 16e was clicked, the example which displayed the fee list on the gadget display part 14 was demonstrated, but it replaced with a fee list and according to transaction time and transaction content. A fee may be displayed. Further, when the fee display icon 16e is clicked, a plurality of application software may be associated so that the current time is automatically displayed together with the fee list.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a figure which shows the structure of the information display system of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the display screen of the information display system of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the display screen of the information display system of the automatic transaction apparatus in the 2nd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 13 Transaction display part 14 Gadget display part 16 Icon 20 Application server 21, 31 Interface part 30 CRM server

Claims (8)

(A) An automatic transaction apparatus that is operated by a customer to perform financial transactions,
(B) a plurality of display icons corresponding to each of the application software in a row, gadgets selecting means for launch the application software corresponding to the selected icon arbitrarily from among the icons,
(C) gadget display means for displaying information generated by the activated application software on the gadget display screen ;
(D) possess the transaction display means for displaying the transaction display screen, including the operation buttons necessary to financial transactions,
(E) The gadget display means displays the gadget display screen regardless of the transition of the transaction display screen . The gadget selection means, the automatic transaction apparatus according to claim 1 in which Ru is activated a plurality of application software associated. The associated application software includes a current time and a list of fees;
3. The automatic transaction apparatus according to claim 2 , wherein when the fee list is selected, the gadget display means simultaneously displays the current time and the fee list on the gadget display screen. Display contents of the gadget display screen is stored in the financial transaction completion, automatic transaction apparatus according to claim 1 that appears during the next financial transactions. (A) An information display system for an automatic transaction apparatus having an automatic transaction apparatus and a server connected to the automatic transaction apparatus,
(B) The server includes storage means for storing application software, and a communication interface for transmitting the application software,
(C) The automatic transaction apparatus displays download means for downloading application software from the server and icons corresponding to each of the plurality of downloaded application software in a row, and is arbitrarily selected from the icons display and gadgets selecting means for application software to start, and gadgets display means for displaying information application software generates invoked the gadget display screen, a transaction display screen including operation buttons necessary for financial transactions corresponding to the icon and a transaction display unit, the gadget display means, the gadget display screen, the transaction display screen information display system of the automatic transaction apparatus according to claim you to view regardless of the transition to. The gadget selecting means, the information display system of the automatic transaction apparatus according to claim 5, Ru activate the plurality of the software application associated with. The associated application software includes a current time and a list of fees;
7. The information display system for an automatic transaction apparatus according to claim 6 , wherein when the fee list is selected, the gadget display means simultaneously displays the current time and the fee list on the gadget display screen. Display contents of the gadget display screen is stored in the financial transaction completion, information display system of the automatic transaction apparatus according to claim 5 that appears during the next financial transactions.

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