JP5655615B2 - Server apparatus, automatic transaction system, and automatic transaction method - Google Patents

Description

  The present invention relates to a server device, an automatic transaction system, and an automatic transaction method, and more particularly, to a server device, an automatic transaction system, and an automatic transaction method that use information related to the approach and separation of a customer's automatic transaction device.

  For example, an automatic transaction system using an automatic transaction apparatus such as an ATM (Automated Teller Machine) is widely used in sales offices of financial institutions. The automatic transaction apparatus processes transactions such as deposits, withdrawals, balance inquiries, and transfers based on customer operations. In addition, automatic transaction apparatuses are often capable of handling not only cash cards of financial institutions but also other types of cards such as credit cards. In such a case, the transaction processed by the automatic transaction apparatus includes not only deposit and withdrawal to / from a financial institution account but also a borrowing and repayment transaction using a credit card, for example.

  In such an automatic transaction system, an event occurs in which waiting time for another customer to operate the automatic transaction apparatus increases when the same customer operates the automatic transaction apparatus continuously for a plurality of transactions. It was. Therefore, the proximity and separation of the customer's automatic transaction device is detected by the proximity sensor, and a transaction that is continuously processed while a certain customer is close to the automatic transaction device is recognized as a continuous transaction by this customer and counted. The technique to do is developed (for example, refer patent document 1). With such a technique, for example, it becomes possible to prevent an automatic transaction apparatus from being occupied by the same customer for a long time continuously in a crowded time zone.

JP 2008-46805 A

  Here, the information related to the transaction processed by the automatic transaction apparatus includes various information such as information indicating the type of transaction and information indicating the name of the account. However, in the technique described in Patent Document 1, for example, information on the approach and separation of the customer to the automatic transaction apparatus is only used in combination with the number of transactions processed by the automatic transaction apparatus. In other words, in terms of the combination with the approach and separation information of the customer's automatic transaction apparatus, it cannot be said that the information related to the transaction processed by the automatic transaction apparatus is effectively used.

  Therefore, the present invention has been made in view of the above problems, and the object of the present invention is to provide information on transactions processed by the automatic processing device, information on the approach and separation of the customer to the automatic transaction device, and It is an object of the present invention to provide a new and improved server device, automatic transaction system, and automatic transaction method that can be effectively used by combining them.

In order to solve the above problems, according to an aspect of the present invention, in an automatic transaction system, transaction information indicating the content of a transaction processed by an automatic transaction apparatus based on a customer operation, and a customer detected by a proximity detection apparatus Server apparatus for acquiring proximity information indicating approach or separation of the automatic transaction apparatus, and a plurality of transactions processed between approach and separation based on the transaction information and proximity information as continuous transactions by a customer identified, it sees contains the related information generating unit that generates customer-related information about the customer based on the transaction information of the continuous transaction, the related information generating unit, one continuous transaction at a time, characterized in that to produce the customer-related information Is provided.

  With this configuration, for example, customer-related information is generated according to the content of a customer's continuous transaction specified based on proximity information, so that more appropriate customer-related information according to the customer's transaction status can be obtained.

  In the server device, the transaction information may include transaction type information indicating a type of transaction, and the related information generation unit may generate recommended information for recommending a financial product to a customer based on the transaction type information of the continuous transaction.

  With such a configuration, for example, more appropriate recommendation information corresponding to the actual state of the transaction of the customer can be obtained, and therefore the financial product can be recommended to the customer more appropriately.

  In the above server device, the related information generation unit recommends that the customer make a small loan when the transaction type information of the continuous transaction includes transaction type information indicating withdrawal by credit card and payment to a financial institution account. Information may be generated.

  With such a configuration, for example, a short-term funding prospective customer is more accurately estimated, and a contract rate for the recommendation can be improved by recommending a small loan based on the estimation result.

  The server device further includes a storage unit that stores a history of transaction information, or a communication unit that communicates with an external storage device that stores a history of transaction information, and the related information generation unit refers to the history of transaction information, and If the number of withdrawals or balance inquiry transactions indicated by the transaction type information included in the transaction information history is equal to or greater than a predetermined number, recommendation information for recommending a small loan to the customer may be generated.

  With such a configuration, for example, a prospective customer who needs short-term funds can be estimated with higher accuracy, and the contract rate for the recommendation of the small-lot loan can be further improved.

  The server device may further include a communication unit that transmits the recommended information to at least one of a direct mail sending department, a call center, or a sales office window.

  With this configuration, for example, the generated recommendation information is sent to a department for recommending financial products, so that the recommendation information can be effectively used.

  In the server device, the related information generation unit may generate notification information for notifying a customer's visit for the first transaction among continuous transactions, and may not generate notification information for the remaining transactions.

  With this configuration, for example, generation of duplicate notification information for a customer's continuous transaction is suppressed, and notification information can be generated at a more accurate timing.

In the server apparatus, the transaction information includes account name information indicating the name of the account to be traded, and the related information generation unit includes one transaction in which customer related information is generated among the continuous transactions and the remaining transactions. Even if the account name information differs between the customer and the customer, the customer-related information does not have to be generated for the remaining transactions.

  With such a configuration, it is possible to suppress the generation of duplicate notification information for the same customer, for example, even for continuous transactions for accounts with different names such as family accounts.

The server device may further include a communication unit that transmits customer-related information to a transaction manager's terminal device .

  With such a configuration, for example, it is possible to suppress the notification information transmitted to the officer terminal from being duplicated for the same customer, and to prevent frequent notifications from interfering with work at the officer terminal.

  In the server device, the transaction information includes account name information indicating the name of the account to be traded, and the related information generation unit urges attention to fraudulent transactions when the account name information of continuous transactions is different from each other. Warning information may be generated.

  With this configuration, for example, it is possible to call attention to a transaction suspected of an unauthorized transaction that misuses another person's card.

Moreover, in order to solve the said subject, according to another viewpoint of this invention, an automatic transaction apparatus which processes transaction based on operation of a customer, and transmits the transaction information which shows the content of transaction, and customer's automatic transaction Proximity detection device that detects approach and separation to the device and transmits proximity information indicating the approach or separation, and receives transaction information and proximity information, and processes between approach and separation based on the transaction information and proximity information Identify multiple transactions as a continuous transaction by a customer , generate customer-related information about the customer once per continuous transaction based on the transaction information of the continuous transaction, and send the customer-related information to the terminal device of the transaction manager An automatic transaction system including a server device including a related information generation unit is provided.

In order to solve the above problem, according to still another aspect of the present invention, a step of obtaining access information indicating an approach to a customer's automatic transaction apparatus, and after the approach, the automatic transaction apparatus is operated by the customer. Acquiring the first transaction information indicating the contents of the first transaction processed based on the first transaction, and the second transaction content processed by the automatic transaction apparatus based on the operation of the customer after the first transaction. A step of acquiring second transaction information to be displayed; a step of acquiring separation information indicating a separation from the customer's automatic transaction device after the second transaction; and a first transaction and a second transaction by the customer. Identifying as a continuous transaction, generating customer related information about the customer based on at least the first transaction information and the second transaction information at least once per continuous transaction, and the customer related information as a terminal device of the transaction manager Send to Automated transaction method characterized by comprising the steps is provided.

  As described above, according to the present invention, information relating to transactions processed by the automatic processing device can be effectively used by combining with information on the approach and separation of the customer to the automatic transaction device. Service efficiency or business efficiency at the sales office can be improved.

It is a block diagram which shows the function structure of the automatic transaction system which concerns on the 1st Embodiment of this invention. It is a block diagram which shows the function structure of ATM which concerns on the 1st Embodiment of this invention. It is a block diagram which shows the function structure of the proximity sensor which concerns on the 1st Embodiment of this invention. It is a block diagram which shows the function structure of the related information generation server which concerns on the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of ATM which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the transaction information produced | generated by ATM which concerns on the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the proximity sensor which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the proximity information produced | generated by the proximity sensor which concerns on the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the related information generation server which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the continuous transaction information produced | generated by the related information production | generation server which concerns on the 1st Embodiment of this invention. It is a block diagram which shows the function structure of the automatic transaction system which concerns on the 2nd Embodiment of this invention. It is a block diagram which shows the function structure of the officer's seat terminal which concerns on the 2nd Embodiment of this invention. It is a block diagram which shows the function structure of the related information generation server which concerns on the 2nd Embodiment of this invention. It is a figure which shows an example of the transaction information produced | generated by ATM which concerns on the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the related information generation server which concerns on the 2nd Embodiment of this invention. It is a figure which shows an example of the continuous transaction information produced | generated by the related information production | generation server which concerns on the 2nd Embodiment of this invention. It is a figure which shows an example of the notification information produced | generated by the related information production | generation server which concerns on the 2nd Embodiment of this invention.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In the present specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

  In the present specification and drawings, a plurality of constituent elements may be distinguished by adding an alphabet at the end of the reference numeral. The reference to these components by reference numerals with the alphabet omitted is a general term for these components, and any one of them can be referred to.

(First embodiment)
First, a first embodiment of the present invention will be described with reference to FIGS. In the present embodiment, the automatic transaction apparatus is realized as the ATM 110, the proximity detection apparatus is realized as the proximity sensor 120, and the server apparatus is realized as the related information generation server 200. In this embodiment, the related information generation server 200 that has received the transaction information of the customer C transmitted from the ATM 110 installed in the branch 100 and the proximity information of the customer C transmitted from the proximity sensor 120 corresponding to the ATM 110 is provided. The recommendation information for recommending the financial product to the customer C is generated.

(Configuration of automatic transaction system)
FIG. 1 is a block diagram showing a functional configuration of an automatic transaction system 10 according to the first embodiment of the present invention. Referring to FIG. 1, an automatic transaction system 10 includes an ATM 110 and a proximity sensor 120 installed in a branch 100, a related information generation server 200 that communicates with these, and a customer DB 300 that communicates with the related information generation server 200.

  Below, each component of the automatic transaction system 10 shown in FIG. 1 is explained in full detail. In addition, in FIG. 1, the component which concerns on this embodiment among the components of the automatic transaction system 10 is mainly shown. Therefore, the automatic transaction system 10 can further include other components not shown.

  The ATM 110 processes the transaction based on the operation of the customer C, and transmits transaction information indicating the content of the transaction to the related information generation server 200. A plurality of ATMs 110 can be installed in a plurality of sales offices 100. In the figure, a plurality of sales offices 100 are illustrated as sales offices 100a and 100b, a plurality of ATMs 110 are illustrated as ATMs 110a, 110b, and 110c, and a plurality of customers C that operate the plurality of ATMs 110 are illustrated as customers Ca, Cb, and Cc, respectively. Yes. Note that the numbers of the branch office 100, the ATM 110, and the customer C are not limited to the illustrated example. The ATM 110 can be individually identified by the store number of the sales office 100 and the machine number of the ATM 110 itself.

  The proximity sensor 120 detects the approach and separation of the customer C from the ATM 110, and transmits proximity information indicating the approach or separation to the related information generation server 200. A plurality of proximity sensors 120 can be installed corresponding to the plurality of ATMs 110, respectively. In the figure, a plurality of proximity sensors 120 are illustrated as proximity sensors 120a, 120b, and 120c. Note that the number of proximity sensors 120 is not limited to the illustrated example. The proximity sensor 120 can be individually identified by the store number of the sales office 100, the corresponding ATM 110 machine number, and the proximity sensor 120 own machine number.

  The related information generation server 200 communicates with the ATM 110 and the proximity sensor 120, and receives transaction information from the ATM 110 and proximity information from the proximity sensor 120, respectively. Further, the related information generation server 200 generates recommendation information for recommending financial products to the customer C based on the transaction information and the proximity information. Furthermore, the related information generation server 200 may also communicate with the customer DB 300 and transmit / receive transaction information, transaction information history, and recommendation information as necessary. Further, the related information generation server 200 may transmit the generated recommended information to a direct mail sending department, a call center, or a sales office window (not shown).

  Here, the branch 100 is a place where the ATM 110 and the proximity sensor 120 are installed, and may be a branch of a financial institution, for example. The customer DB 300 is an external storage device that stores information related to processing of the related information generation server 200, and may be a database of a host computer of a financial institution, for example. Further, the related information generation server 200 is illustrated as being installed outside the sales office 100, but is not limited thereto, and may be installed inside the sales office 100.

(ATM structure)
FIG. 2 is a block diagram showing a functional configuration of the ATM 110 according to the first embodiment of the present invention. Referring to FIG. 2, the ATM 110 includes a transaction processing unit 111, a transaction information generation unit 113, a communication unit 115, and a storage unit 117.

  Below, each component of ATM110 shown in FIG. 2 is explained in full detail. In FIG. 2, the components according to this embodiment among the components of the ATM 110 are mainly shown. Therefore, the ATM 110 may further include other components not shown.

  The transaction processing unit 111 processes a transaction based on the operation of the customer C. The operation of the customer C here may include, for example, an instruction operation via a user interface such as a liquid crystal display and a touch panel (not shown), insertion of a card or passbook, and cash exchange. The transaction processing unit 111 processes a transaction such as deposit, withdrawal, transfer, or balance inquiry based on the information acquired from the operation of the customer C. The information acquired from the operation of the customer C includes, for example, the type of transaction such as deposit, withdrawal, transfer, or balance inquiry, the amount of the transaction, and the name of the account that is the target of the transaction. The transaction processing unit 111 may provide part or all of the information acquired by the operation of the customer C to the transaction information generation unit 113. Further, the transaction processing unit 111 may temporarily store such information in the storage unit 117. The transaction processing unit 111 can be realized by, for example, a CPU (Central Processing Unit) that controls the ATM 110 operating according to a program stored in the storage unit 117.

  The transaction information generation unit 113 generates transaction information indicating the content of the transaction processed by the transaction processing unit 111. The transaction information generation unit 113 can generate transaction information including, for example, transaction type information indicating the type of transaction and account name information indicating the name of the account that is the target of the transaction. The transaction information may further include a store number of the sales office 100 and a model number of the ATM 110 in order to identify the ATM 110 in which the transaction information is generated. The transaction information generation unit 113 may acquire information for generating transaction information from the transaction processing unit 111, and may read information temporarily stored in the storage unit 117. A specific example of transaction information will be described later. Such transaction data generation unit 113 can be realized, for example, when a CPU that controls ATM 110 operates according to a program stored in storage unit 117.

  The communication unit 115 is a communication interface for communicating with the related information generation server 200 through a network. The communication unit 115 transmits the transaction information generated by the transaction information generation unit 113 to the related information generation server 200. Moreover, the communication part 115 may transmit transaction information separately to customer DB300. Communication between the communication unit 115 and the related information generation server 200 or the like can use various communication protocols via a dedicated line or a public line.

  The storage unit 117 stores various data used for processing of the ATM 110. In the storage unit 117, for example, a program for the CPU to realize functions such as the transaction processing unit 111 and the transaction information generation unit 113, and transaction information generated in the transaction processing unit 111 and the transaction information generation unit 113, etc. Information can be stored temporarily or continuously. The storage unit 117 can be realized by a semiconductor memory, a magnetic disk, or the like, for example.

(Configuration of proximity sensor)
FIG. 3 is a block diagram showing a functional configuration of the proximity sensor 120 according to the first embodiment of the present invention. Referring to FIG. 3, the proximity sensor 120 includes a detection unit 121, a proximity information generation unit 123, a communication unit 125, and a storage unit 127.

  Hereinafter, each component of the proximity sensor 120 shown in FIG. 3 will be described in detail. In FIG. 3, the components according to the present embodiment are mainly shown among the components of the proximity sensor 120. Therefore, the proximity sensor 120 may further include other components not shown.

  The detection unit 121 is a sensor part that detects the approach or separation of the customer C from the ATM 110. The detection unit 121 measures the distance to the customer C using, for example, ultrasonic waves or infrared rays, and detects the approach or separation of the customer C from the ATM 110 by detecting a change in the distance. For this purpose, the detection unit 121 may be installed, for example, in a portion facing the customer C of the ATM 110. As another example, the detection unit 121 may be installed at a door portion of a booth where the ATM 110 is installed, and may detect the approach or separation of the customer C from the ATM 110 by detecting opening and closing of the door. The detection unit 121 may provide the proximity information generation unit 123 with the detection result of the approach or separation of the customer C from the ATM 110, or may temporarily store the detection result in the storage unit 127.

  The proximity information generation unit 123 generates proximity information indicating the approach or separation of the customer C detected by the detection unit 121 from the ATM 110. The proximity information generation unit 123 can generate proximity information including an approach flag indicating, for example, the approach and separation of the customer C as a flag. The proximity information is further stored in the store number of the sales office 100, the model number of the proximity sensor 120, and the proximity sensor 120 in order to identify the proximity sensor 120 in which the proximity information is generated and the ATM 110 that the customer C approaches or leaves. The corresponding ATM 110 model number may be included. The proximity information generation unit 123 may acquire information about the approach or separation of the customer C from the ATM 110 from the detection unit 121, and may read information temporarily stored in the storage unit 117. A specific example of proximity information will be described later. The proximity information generation unit 123 can be realized by, for example, a CPU that controls the proximity sensor 120 operating according to a program stored in the storage unit 127.

  The communication unit 125 is a communication interface for communicating with the related information generation server 200 through a network. The communication unit 125 transmits the transaction information generated by the proximity information generation unit 123 to the related information generation server 200. The communication between the communication unit 125 and the related information generation server 200 can use various communication protocols via a dedicated line or a public line.

  The storage unit 127 stores various data used for processing of the proximity sensor 120. In the storage unit 127, for example, a program for the CPU to realize functions such as the proximity information generation unit 123 and information such as proximity information generated in the detection unit 121 and the proximity information generation unit 123 are temporarily or It can be stored continuously. The storage unit 127 can be realized by a semiconductor memory, a magnetic disk, or the like, for example.

(Configuration of related information generation server)
FIG. 4 is a block diagram showing a functional configuration of the related information generation server 200 according to the first embodiment of the present invention. Referring to FIG. 4, the related information generation server 200 includes a communication unit 210, a continuous transaction information generation unit 220, a recommended information generation unit 230, and a storage unit 240. The recommended information generation unit 230 is a related information generation unit in the present embodiment. The related information generation server 200 may be realized as, for example, a single server device, or may be realized as a collection of functions provided by resources distributed on the network.

  Hereinafter, each component of the related information generation server 200 shown in FIG. 4 will be described in detail. In FIG. 4, the components according to the present embodiment are mainly shown in the related information generation server. Therefore, the related information generation server 200 can further include other components not shown.

  The communication unit 210 is a communication interface for communicating with the ATM 110 and the proximity sensor 120 through a network. The communication unit 210 receives transaction information transmitted by the ATM 110 and proximity information transmitted by the proximity sensor 120. Further, the communication unit 210 may communicate with the customer DB 300 to transmit / receive the transaction information, the transaction information history, and the recommended information generated by the recommended information generation unit 230 as necessary. Further, the communication unit 210 may transmit the recommended information generated by the recommended information generating unit 230 to a direct mail sending department, a call center, a sales office, or the like. Communication between the communication unit 115 and the ATM 110, the proximity sensor 120, and the like may use various communication protocols via a dedicated line or a public line.

  The continuous transaction information generation unit 220 combines the transaction information and proximity information received by the communication unit 210 to generate continuous transaction information and stores it in the storage unit 240. Moreover, the continuous transaction information generation part 220 updates the continuous transaction information stored in the memory | storage part 240 according to transaction information or proximity | contact information. For example, the continuous transaction information generation unit 220 may associate the transaction information and the proximity information with the store number of the sales office 100 and the machine number of the ATM 110 included in the transaction information and the proximity information. The continuous transaction information may be information including transaction type information, account name information, an approach flag, and the like included in the transaction information and proximity information, for example. A specific example of continuous transaction information will be described later. Such continuous transaction information generation unit 220 can be realized, for example, when a CPU that controls the related information generation server 200 operates according to a program stored in the storage unit 240.

  The recommended information generation unit 230 continuously performs a plurality of transactions processed between the approach and separation of the customer C by the customer C based on the continuous transaction information generated and updated by the continuous transaction information generation unit 220. Identify as a transaction. Further, the recommended information generation unit 230 generates recommended information for recommending a financial product to the customer C based on the identified transaction type information of the continuous transaction. Further, the recommended information generation unit 230 may generate the recommended information based on the transaction information history stored in the storage unit 240. Further, the recommended information generation unit 230 may refer to the transaction information history stored in the customer DB 300 via the communication unit 210. The recommended information generation unit 230 may provide the generated recommended information to the communication unit 210 or may store it in the storage unit 240. A specific example of the recommended information to be generated will be described later. For example, the recommended information generation unit 230 can be realized by a CPU that controls the related information generation server 200 operating according to a program stored in the storage unit 240.

  The storage unit 240 stores various data used for processing of the related information generation server 200. In the storage unit 240, for example, the CPU generates a program for realizing functions such as the continuous transaction information generation unit 220 and the recommended information generation unit 230, and the continuous transaction information generation unit 220 and the recommended information generation unit 230. Information such as continuous transaction information and recommendation information may be stored temporarily or continuously. Such a storage unit 240 can be realized by, for example, a semiconductor memory, a magnetic disk, or the like.

(Example of recommended information)
Here, a specific example of the recommended information generated by the recommended information generation unit 230 of the related information generation server 200 will be described. In the present embodiment, the recommended information generation unit 230 generates recommended information for recommending financial products to the customer C based on the transaction type information of the continuous transaction by the customer C.

  For example, the recommended information generation unit 230 recommends a small loan to the customer C when the transaction type information of the continuous transaction includes transaction type information indicating withdrawal by credit card and payment to a financial institution account. Can be generated. In this case, the withdrawal by credit card and the subsequent deposit to the financial institution account are considered to indicate that the customer C borrowed funds with a card loan or the like and deposited into the withdrawal account of the bank. Therefore, the customer C is likely to be a short-term funding prospective customer who needs a small loan.

  Further, for example, the recommended information generation unit 230 refers to the transaction information history stored in the storage unit 240 or the customer DB 300 in addition to the above conditions, and depending on the transaction information type included in the transaction information history of the customer C When the number of transactions of withdrawal or balance inquiry shown is equal to or greater than a predetermined number, recommendation information for recommending a small loan to customer C may be generated. The predetermined number of conditions may be, for example, a condition that the withdrawal is 5 times or more in the past month and the balance inquiry is 7 times or more in the past month. In this way, by referring to the transaction information history of the customer C, it is possible to estimate with high accuracy the case where the customer C is a short-term funding prospective customer who requires a small loan.

  As described above, the related information generation server 200 can use the communication unit 210 to transmit the generated recommended information to a direct mail sending department, a call center, a sales office, or the like. Improve the contract rate of small loan by direct mail, telephone or window solicitation by identifying the customer C who is a prospective customer who needs short-term funds and providing recommended information to the above departments Is possible.

  In addition to the recommended information generated for the “withdrawal → withdrawal” continuous transaction as in the above example, the recommended information generating unit 230 may perform the “withdrawal → withdrawal” continuous transaction, Recommendation information for recommending financial products to the customer C may be generated on the condition of a continuous transaction of “withdrawal”.

(ATM operation)
FIG. 5 is a flowchart showing the operation of the ATM 110 according to the first embodiment of the present invention. In FIG. 5, steps according to the present embodiment are mainly shown in the operation of the ATM 110. Therefore, the operation of the ATM 110 may further include other steps not shown.

  First, the transaction is started by inserting the card of the customer C (step S101). Here, the card inserted by the customer C is, for example, a cash card or a credit card. The transaction processing unit 111 of the ATM 110 can acquire information such as the name of an account to be traded from the information read from the card.

  Next, based on the operation of customer C, a transaction using the card inserted in step S101 is processed (step S103). Here, the transaction processing unit 111 acquires an instruction operation related to the transaction of the customer C through the user interface of the ATM 110, and processes the transaction according to the instruction operation. The transaction processing unit 111 can acquire information such as the type of transaction such as deposit, withdrawal, transfer, or balance inquiry, and the amount of transaction from this instruction operation.

  Next, the transaction information generating unit 113 generates transaction information for the transaction processed by the transaction processing unit 111 in step S103 (step S105). Here, the transaction information generated by the transaction information generation unit 113 may include account name information indicating the name of an account to be traded and transaction type information indicating the type of transaction.

  Next, the communication unit 115 transmits the transaction information generated in step S105 to the related information generation server 200 (step S107). A specific example of the transaction information transmitted here will be described later.

  Next, the card is returned to the customer C and the transaction is terminated (step S109). Note that the end of the transaction in step S109 may be executed before step S105 and step S107 or in parallel with these steps.

  The above is the operation for the ATM 110 to process one transaction based on the operation of the customer C and to transmit transaction information indicating the contents of this transaction. When the customer C executes a plurality of transactions in succession, the above steps are repeatedly executed by the ATM 110.

(Example of transaction information)
FIG. 6 is a diagram showing an example of transaction information 1001 generated by the ATM 110 according to the first embodiment of the present invention. Referring to FIG. 6, as an example of the transaction information 1001, transaction information 1001a and 1001b respectively generated by a transaction of withdrawal by credit card and deposit to a financial institution account, which are continuously executed by the customer C at the ATM 110, are shown. Has been.

  The transaction information 1001 includes store number, ATM machine number, CIF number, subject number, account number, and transaction type information. As described above, the store number and the ATM machine number are information for specifying the ATM 110 in which the transaction information 1001 is generated. A CIF (Customer Information File) number is a number uniquely assigned to the customer C. The subject number and the account number are information for specifying the account held by the customer C. The transaction type is information indicating the type of transaction such as deposit, withdrawal, transfer or balance inquiry.

  In the illustrated example, the transaction information 1001a and the transaction information 1001b are information generated by the same ATM 110 installed in the same store 100, and therefore the store number and the ATM machine number are common. Also, since the account related to withdrawal by credit card and the account related to depositing into the financial institution account are both the same customer C account, the CIF number is also common. On the other hand, the transaction number, account number, and transaction type are different between the transaction information 1001a and the transaction information 1001b. Here, it is assumed that the transaction type “11” indicates a transaction of withdrawal by credit card, and the transaction type “01” indicates a transaction of payment to a financial institution account.

  In the ATM 110, the transaction information generation unit 113 generates the transaction information as described above, and the communication unit 115 transmits the transaction information to the related information generation server 200. The processing related to the transaction information after being transmitted to the related information generation server 200 will be described later in the description of the operation of the related information generation server 200.

(Proximity sensor operation)
FIG. 7 is a flowchart showing the operation of the proximity sensor 120 according to the first embodiment of the present invention. In FIG. 7, steps according to the present embodiment are mainly shown in the operation of the proximity sensor 120. Therefore, the operation of the proximity sensor 120 may further include other steps not shown.

  First, the detection unit 121 of the proximity sensor 120 detects the movement of the customer C (step S201). As described above, the detection unit 121 can detect the movement of the customer C as a change in the distance to the customer C measured using, for example, ultrasonic waves or infrared rays.

  Next, the detection unit 121 or the proximity information generation unit 123 analyzes the movement of the customer C detected in step S201, and determines whether the customer C is approaching the ATM 110 (step S203). For example, when the detection unit 121 detects the movement of the customer C as a change in the distance to the customer C, it is determined that the customer C is approaching the ATM 110 if the distance to the customer C is reduced.

  When it is determined in step S203 that the customer C is approaching the ATM 110, the proximity information generation unit 123 generates proximity information with an approach flag = 1 (step S205). On the other hand, when it is determined in step S203 that the customer C has not approached the ATM 110, the proximity information generation unit 123 generates proximity information with an approach flag = 0 (step S207). Here, the approach flag is an example of information included in the proximity information, “1” indicates that the customer C is approaching the ATM 110, and “0” indicates that the customer C is separated from the ATM. It can be shown.

  Next, the communication unit 125 transmits the proximity information generated in step S205 or step S207 to the related information generation server 200 (step S209).

  The above is the operation for the proximity sensor 120 to detect the approach or separation of the customer C from the ATM 110 and to transmit proximity information indicating the approach or separation. The above steps are performed by the proximity sensor 120 when the customer C approaches and leaves the ATM 110, respectively.

(Example of proximity information)
FIG. 8 is a diagram showing an example of proximity information 1003 generated by the proximity sensor 120 according to the first embodiment of the present invention. Referring to FIG. 8, as an example of the proximity information 1003, proximity information 1003a and 1003b generated when the customer C approaches and leaves the ATM 110 are shown.

  The proximity information 1003 includes items of a shop number, a sensor machine number, an ATM machine number, an approach flag, and a detection time. The store number and the sensor machine number are information for specifying the proximity sensor 120 in which the proximity information 1003 is generated as described above. The ATM machine number is information that identifies the ATM 110 in which the proximity information 1003 indicates the approach and separation of the customer C. The approach flag is information indicating the approach and separation of the customer C from the ATM 110 as described above. The detection time is information indicating the time when the approach or separation of the customer C from the ATM 110 is detected.

  In the illustrated example, the proximity information 1003a and the proximity information 1003b are information generated by the same proximity sensor 120 corresponding to the same ATM 110 installed in the same business store 100. Number and ATM machine number are common. On the other hand, the proximity flag and the detection time are different between the proximity information 1003a and the proximity information 1003b. Here, as described above, the approach flag “1” indicates the approach of the customer C to the ATM 110, and the approach flag “0” indicates the separation of the customer C from the ATM 110.

  In the proximity sensor 120, the proximity information generation unit 123 generates the proximity information as described above, and the communication unit 125 transmits the proximity information to the related information generation server 200. Processing related to the proximity information after being transmitted to the related information generation server 200 will be described later in the description of the operation of the related information generation server 200.

(Operation of related information generation server)
FIG. 9 is a flowchart showing the operation of the related information generation server 200 according to the first embodiment of the present invention. In FIG. 9, steps according to the present embodiment are mainly shown in the operation of the related information generation server 200. Therefore, the operation of the related information generation server 200 can further include other steps not shown.

  First, the communication unit 210 of the related information generation server 200 receives proximity information of the proximity flag = 1 from the proximity sensor 120 (step S301). The proximity information received here may be, for example, information as illustrated as proximity information 1003a in FIG. As described above, the proximity information including the approach flag “1” is information indicating the approach of the customer C to the ATM 110.

  Next, the continuous transaction information generation unit 220 generates continuous transaction information based on the proximity information received in step S301 and stores it in the storage unit 240 (step S303). As will be described later, the continuous transaction information is information obtained by combining proximity information and transaction information, and includes information such as a store number, ATM machine number, and transaction type. In step S303, the transaction type of the generated continuous transaction information is null. That is, the transaction type information included in the continuous transaction information is not set at this time.

  Next, the communication unit 210 receives transaction information from the ATM 110 corresponding to the proximity sensor 120 (step S305). The transaction information received here may be information as illustrated as transaction information 1001a and 1001b in FIG. 6, for example. The ATM 110 corresponding to the proximity sensor 120 can be identified by, for example, a store number and an ATM machine number included in both the proximity information and the transaction information.

  Next, the recommended information generation unit 230 generates recommended information based on the continuous transaction information already stored in the storage unit 240 and the transaction information newly received by the communication unit 210 in step S305. Here, the recommended information generation unit 230 determines whether or not the transaction type information is set in the continuous transaction information stored in the storage unit 240 (step S307).

  In step S307, when it is determined that the transaction type information is set in the continuous transaction information, the recommended information generation unit 230 performs the transaction reflected in the already stored continuous transaction information and the newly received transaction. The transaction corresponding to the information is specified as a continuous transaction by the customer C. In this case, the recommended information generation unit 230 generates recommended information based on each transaction information of the continuous transaction (step S309). For example, the recommended information generation unit 230 may generate recommended information for recommending a small loan to the customer C when the transaction type information of the continuous transaction indicates withdrawal by credit card and payment to a bank account, respectively. .

  On the other hand, when it is determined in step S307 that the transaction type information is not set in the continuous transaction information, the recommended information generation unit 230 does not reflect the transaction in the stored continuous transaction information. It is determined that the transaction corresponding to the received transaction information is the current first transaction by the customer C. In this case, the recommended information generation unit 230 skips step S309 and does not generate recommended information.

  Next, the continuous transaction information generation unit 220 updates the continuous transaction information stored in the storage unit 240 based on the transaction information received in step S305 (step S311). In step S311, the transaction type information included in the transaction information received in step S305 is set in the updated continuous transaction information. Therefore, the transaction type of the updated continuous transaction information is not null.

  Next, it is determined whether or not proximity data with an approach flag = 0 is received (step S313). If the transaction information received in step S305 is the last transaction that the customer C executed at the ATM 110, the information that the communication unit 210 receives next is from the proximity sensor 120 that indicates that the customer C is separated from the ATM 110. Proximity information. Therefore, when the proximity data with the approach flag = 0 is received in step S313, it is determined that the continuous transaction by the customer C is finished, and the process is finished. The proximity information received here may be, for example, information illustrated as the proximity information 1003b in FIG. As described above, the proximity information including the approach flag “0” is information indicating the separation of the customer C from the ATM 110.

  On the other hand, if the proximity data with the approach flag = 0 is not received in step S313, that is, if the information received next by the communication unit 210 is other transaction information from the ATM 110, the process is not ended, and step S305 is performed. Return to receiving transaction information.

  As described above, the related information generation server 200 identifies the continuous transaction of the customer C in the ATM 110, that is, identifies a plurality of transactions processed by the ATM 110 until the customer C approaches the ATM 110 and leaves the transaction. This is an operation for generating recommended information based on the information. If there is one transaction processed by the ATM 110 from the time when the customer C approaches the ATM 110 and leaves, the step S309 is executed because the transaction type is not set in the continuous transaction information in the step S307. In step S313, the proximity information with the approach flag = 0 is received and the process ends. As a result, the recommended information is not generated.

(Example of continuous transaction information)
FIG. 10 is a diagram illustrating an example of continuous transaction information 1005 generated by the related information generation server 200 according to the first embodiment of the present invention. Referring to FIG. 10, as an example of the continuous transaction information 1005, continuous transaction information 1005a to 1005a generated when a transaction of withdrawal by credit card and depositing into a financial institution account is continuously executed by the customer C at the ATM 110. 1005c is shown.

  The continuous transaction information 1005 includes a CIF number, a subject number, an account number, a transaction type, an approach flag, a store number, and an ATM machine number. Among these, the CIF number, the subject number, the account number, and the transaction type are the same information as the information included in the transaction information 1001 generated by the ATM 110, and are set based on the transaction information 1001. The approach flag is the same information as the information included in the proximity information 1003 generated by the proximity sensor 120, and is set based on the proximity information 1003. The store number and ATM machine number are information included in both the transaction information 1001 and the proximity information 1003, and are set based on either the transaction information 1001 or the proximity information 1003.

  In the illustrated example, the continuous transaction information 1005a is generated when the communication unit 210 of the related information generation server 200 receives proximity information of the proximity flag = 1 from the proximity sensor 120, and is stored in the storage unit 240. Transaction information. Here, the proximity information received from the proximity sensor 120 may be information as illustrated as the proximity information 1003a in FIG. Moreover, the step in which the continuous transaction information 1005a is generated corresponds to the step illustrated as step S303 in FIG.

  Here, in the continuous transaction information 1005a, an approach flag, a store number, and an ATM machine number are set. Other CIF numbers, subject numbers, account numbers, and transaction types are not set because they are not included in the proximity information 1003. In the figure, information that is not set is indicated as (null). In this state, when the determination of the step illustrated as step S307 in FIG. 9 is executed, the transaction type is not set and the result is NO, and the generation of recommended information in the subsequent step S309 is not executed.

  In the illustrated example, the continuous transaction information 1005b is obtained by updating the continuous transaction information 1005a stored in the storage unit 240 after the communication unit 210 receives the transaction information from the ATM 110. The transaction information received from the ATM 110 at this time may be information as illustrated as transaction information 1001a in FIG. Further, the step in which the continuous transaction information 1005a is updated to become the continuous transaction information 1005b corresponds to the step illustrated as step S311 in FIG.

  Here, in addition to the approach flag, the store number, and the ATM machine number, the CIF number, the subject number, the account number, and the transaction type are set in the continuous transaction information 1005b. These newly set information is information included in the transaction information 1001a. The continuous transaction information 1005a stored in the storage unit 240 and the transaction information 1001a used for updating the continuous transaction information 1005a can be associated with each other when the store number and the ATM machine number match.

  In the illustrated example, the continuous transaction information 1005 c is obtained by further updating the continuous transaction information 1005 b stored in the storage unit 240 when the communication unit 210 further receives transaction information from the ATM 110. The transaction information received from the ATM 110 at this time may be information as illustrated as transaction information 1001b in FIG. Further, the step in which the continuous transaction information 1005b is updated to become the continuous transaction information 1005c corresponds to the case where the step illustrated as step S311 in FIG. 9 is executed for the second time.

  Here, in the continuous transaction information 1005c, the account number and the transaction type are changed as compared to the continuous transaction information 1005b. Therefore, in FIG. 9, the transaction type is set in the continuous transaction information 1005b in step S307 executed immediately before step S311 in which the continuous transaction information 1005b is updated based on the transaction information 1001b to become the continuous transaction information 1005c. Therefore, the result is YES, and in the subsequent step S309, the recommendation information is generated based on the transaction type “11” of the continuous transaction information 1005b and the transaction type “01” of the transaction information 1001b. As described above, when the transaction type “11” indicates a transaction of withdrawal by credit card and the transaction type “01” indicates a transaction of depositing into a financial institution account, the recommendation information generated here is the customer C It may be information that recommends a small loan.

(Second Embodiment)
Next, a second embodiment of the present invention will be described with reference to FIGS. Also in the present embodiment, the automatic transaction apparatus is realized as the ATM 110, the proximity detection apparatus as the proximity sensor 120, and the server apparatus as the related information generation server 200. In this embodiment, the related information generation server 200 that has received the transaction information of the customer C transmitted from the ATM 110 installed in the branch 100 and the proximity information of the customer C transmitted from the proximity sensor 120 corresponding to the ATM 110 is provided. Notification information for notifying customer C's visit is generated. The notification information is generated for the first transaction among the continuous transactions and is not generated for the remaining transactions even when the customer C executes a continuous transaction for an account with a different name.

  In the following description of the second embodiment of the present invention, parts different from the first embodiment will be mainly described. Therefore, the configuration of the second embodiment can be the same as the configuration of the first embodiment for portions that are not described in detail. Further, in such a part, the drawings and description according to the first embodiment can be referred to in a timely manner.

(Configuration of automatic transaction system)
FIG. 11 is a block diagram showing a functional configuration of the automatic transaction system 20 according to the second embodiment of the present invention. Referring to FIG. 11, the automatic transaction system 20 includes an ATM 110 installed in the sales office 600, a proximity sensor 120 and a seat terminal 630, a related information generation server 700 that communicates with these, and a customer that communicates with the related information generation server 700. Includes DB300.

  Below, each component of the automatic transaction system 20 shown in FIG. 11 is explained in full detail. In addition, in FIG. 11, the component which concerns on this embodiment among the automatic transaction systems 20 is mainly shown. Therefore, the automatic transaction system 20 can further include other components not shown. The ATM 110, the proximity sensor 120, and the customer DB 300 are the same components as those in the automatic transaction system 10 described with reference to FIG.

  The officer's seat terminal 630 is a terminal device used by an officer who manages transactions in the sales office 600. In this embodiment, the notification information generated in the related information generation server 700 is transmitted to the officer's seat terminal 630 to inform the officers of the customer C's visit. A plurality of executive seat terminals 630 may be installed in a plurality of sales offices 600. In the figure, a plurality of sales offices 600 are illustrated as sales offices 600a and 600b, and a plurality of executive seat terminals 630 are illustrated as executive office terminals 630a and 630b. Note that the number of sales offices 600 and executive terminal 630 is not limited to the illustrated example.

(Composition of the office terminal)
FIG. 12 is a block diagram showing a functional configuration of the executive seat terminal 630 according to the second embodiment of the present invention. Referring to FIG. 12, the executive seat terminal 630 includes a communication unit 631, a notification screen generation unit 633, a display unit 635, and a storage unit 637. The officer's seat terminal 630 can be realized as, for example, a personal computer such as a desktop type or a notebook type, or a dedicated terminal device having a display unit and an input unit.

  Hereinafter, each component of the executive seat terminal 630 shown in FIG. 12 will be described in detail. In FIG. 12, the components according to the present embodiment are mainly shown among the components of the officer's seat terminal 630. Therefore, the executive seat terminal 630 may further include other components not shown.

  The communication unit 631 is a communication interface for communicating with the related information generation server 700 through a network. The communication unit 631 receives the notification information generated by the related information generation server 700. Communication between the communication unit 631 and the related information generation server 700 may use various communication protocols via a dedicated line or a public line.

  The notification screen generation unit 633 generates a notification screen based on the notification information obtained from the communication unit 631 and provides the generated notification screen to the display unit 635. The notification screen generation unit 633 can be realized by, for example, a CPU that controls the executive terminal 630 operating according to a program stored in the storage unit 637.

  The display unit 635 displays the notification screen provided from the notification screen generation unit 633. Here, the notification screen may be displayed, for example, as a pop-up on a screen on which the officer is performing a normal job. The display unit 635 can be realized by a display device such as a liquid crystal display.

  The storage unit 637 stores various data used for the processing of the officer terminal 630. In the storage unit 637, for example, a program for the CPU to realize functions such as the notification screen generation unit 633 and information such as a notification screen generated in the notification screen generation unit 633 are temporarily or continuously stored. Can be done. The storage unit 637 can be realized by a semiconductor memory, a magnetic disk, or the like, for example.

(Configuration of related information generation server)
FIG. 13 is a block diagram showing a functional configuration of the related information generation server 700 according to the second embodiment of the present invention. Referring to FIG. 13, the related information generation server 700 includes a communication unit 210, a continuous transaction information generation unit 220, a notification information generation unit 730, and a storage unit 240. The notification information generation unit 730 is a related information generation unit in the present embodiment. The related information generation server 700 may be realized as, for example, a single server device, or may be realized as a collection of functions provided by resources distributed on a network.

  Hereinafter, each component of the related information generation server 700 shown in FIG. 13 will be described in detail. In FIG. 13, components related to the present embodiment are mainly shown in the related information generation server. Therefore, the related information generation server 700 can further include other components not shown. In addition, about the communication part 210, the continuous transaction information generation part 220, and the memory | storage part 240 which were attached | subjected the same code | symbol as the 1st Embodiment of this invention, in the related information generation server 200 demonstrated with reference to FIG. Since the components are the same as those described above, detailed description thereof is omitted.

  The notification information generation unit 730 continuously performs a plurality of transactions processed between the approach and separation of the customer C based on the continuous transaction information generated and updated by the continuous transaction information generation unit 220 by the customer C. Identify as a transaction. In addition, the notification information generation unit 730 generates notification information for notifying the customer C's visit for the first transaction among the identified continuous transactions, and transmits the notification information to the officer terminal 630 via the communication unit 210. Notification information is not generated for the remaining transactions in the continuous transaction. A specific example of the generated notification information will be described later. The notification information generation unit 730 can be realized, for example, when the CPU that controls the related information generation server 700 operates according to a program stored in the storage unit 240.

(Example of transaction information)
FIG. 14 is a diagram showing an example of transaction information 2001 generated by the ATM 110 according to the second embodiment of the present invention. Referring to FIG. 14, as an example of the transaction information 2001, transaction information 2001 a and 2001 b generated by transactions in accounts with different names, which are executed continuously by the customer C at the ATM 110, are shown.

  The transaction information 2001 is different from the transaction information 1001a and 1001b described with reference to FIG. 6 in that the transaction type information is not included, but is the same as the transaction information 1001a and 1001b in other points. In the present embodiment, since the notification information generated by the related information generation server 700 does not require transaction type information, the transaction information 2001 does not necessarily include transaction type information. Note that the CIF number included in the transaction information 2001 is a number uniquely assigned to the customer C as described above, and corresponds to account name information indicating the name of the account that is the object of the transaction in the present embodiment.

(Operation of related information generation server)
FIG. 15 is a flowchart showing the operation of the related information generation server 700 according to the second embodiment of the present invention. In FIG. 15, steps according to the present embodiment are mainly shown in the operation of the related information generation server 700. Therefore, the operation of the related information generation server 700 may further include other steps not shown.

  First, the communication unit 210 of the related information generation server 700 receives proximity information of the proximity flag = 1 from the proximity sensor 120 (step S401). The proximity information received here may be, for example, information as illustrated as proximity information 1003a in FIG. As described above, the proximity information including the approach flag “1” is information indicating the approach of the customer C to the ATM 110.

  Next, the continuous transaction information generation unit 220 generates continuous transaction information based on the proximity information received in step S401 and stores it in the storage unit 240 (step S403). As will be described later, the continuous transaction information is information obtained by combining proximity information and transaction information, and includes information such as a store number, ATM machine number, and a notification flag. Here, the notification flag is an example of information included in the continuous transaction information. “1” indicates that it is necessary to generate notification information for notifying customer C's visit, and “0” indicates generation of notification information. May indicate that is unnecessary. In step S403, the notification flag of the generated continuous transaction information is “1”. That is, at this time, it is necessary to generate notification information for notifying the customer C of visiting the store.

  Next, the communication unit 210 receives transaction information from the ATM 110 corresponding to the proximity sensor 120 (step S405). The transaction information received here may be information as illustrated in FIG. 14 as transaction information 2001a and 2001b, for example. The ATM 110 corresponding to the proximity sensor 120 can be identified by, for example, a store number and an ATM machine number included in both the proximity information and the transaction information.

  Next, the notification information generation unit 730 generates notification information based on the continuous transaction information already stored in the storage unit 240. Here, the notification information generation unit 730 determines whether the notification flag of the continuous transaction information stored in the storage unit 240 is 1 (step S407).

  If it is determined in step S407 that the continuous transaction information notification flag = 1, the notification information generation unit 730 does not reflect the transaction in the stored continuous transaction information, that is, a newly received transaction. It is determined that the transaction corresponding to the information is the first transaction by the customer C this time. In this case, the notification information generation unit 730 generates notification information for notifying the customer C of visiting the store, and transmits the notification information to the executive terminal 630 via the communication unit 210 (step S409).

  On the other hand, when it is determined in step S407 that the continuous transaction information notification flag is not 1, the notification information generation unit 730 determines that the previous transaction is reflected in the stored continuous transaction information, and the previous time And the transaction corresponding to the newly received transaction information are identified as a continuous transaction by the customer C. In this case, the notification information generation unit 730 skips step S409 and does not generate notification information.

  Next, the continuous transaction information generation unit 220 updates the continuous transaction information stored in the storage unit 240 based on the transaction information received in step S405 (step S411). In step S311, the continuous transaction information notification flag is updated to “0”. That is, after this, generation of notification information that requires the visit of the customer C is not required.

  Next, it is determined whether or not proximity data with an approach flag = 0 has been received (step S413). If the transaction information received in step S405 is the last transaction that the customer C executed at the ATM 110, the information that the communication unit 210 receives next is from the proximity sensor 120 that indicates that the customer C is separated from the ATM 110. Proximity information. Therefore, when the proximity data with the approach flag = 0 is received in step S413, it is determined that the continuous transaction by the customer C is finished, and the process is finished. The proximity information received here may be, for example, information illustrated as the proximity information 1003b in FIG. As described above, the proximity information including the approach flag “0” is information indicating the separation of the customer C from the ATM 110.

  On the other hand, if the proximity data with the approach flag = 0 is not received in step S413, that is, if the information received by the communication unit 210 is another transaction information from the ATM 110, the process is not terminated, and step S405 is performed. Return to receiving transaction information.

  As described above, the related information generation server 700 identifies a continuous transaction of the customer C in the ATM 110, that is, a plurality of transactions processed by the ATM 110 until the customer C approaches the ATM 110 and leaves, This is an operation for generating notification information for the first transaction. Even when there is only one transaction processed by the ATM 110 after the customer C approaches the ATM 110 and leaves, the step S409 is executed in step S407 because the continuous transaction information notification flag = 1. In step S313, the proximity information with the approach flag = 0 is received and the process ends. As a result, notification information is generated.

(Example of continuous transaction information)
FIG. 16 is a diagram illustrating an example of continuous transaction information 2005 generated by the related information generation server 700 according to the second embodiment of the present invention. Referring to FIG. 16, continuous transaction information 2005 a to 2005 c generated when transactions for accounts with different names are executed continuously by the customer C at the ATM 110 is shown as an example of the continuous transaction information 2005. ing.

  The continuous transaction information 2005 includes a CIF number, a subject number, an account number, a notification flag, an approach flag, a store number, an ATM machine number, and a detection time. Among these, the CIF number, the subject number, the account number, the approach flag, the store number, and the ATM machine number are the same information as the continuous transaction information 1005 described with reference to FIG. The notification flag is information set by the related information generation server 700 as shown in the flowchart described with reference to FIG. The detection time is the same information as the information included in the proximity information 1003 described with reference to FIG. 8 and is set based on the proximity information 1003 generated by the proximity sensor 120.

  In the illustrated example, the continuous transaction information 2005a is generated when the communication unit 210 of the related information generation server 700 receives proximity information of the proximity flag = 1 from the proximity sensor 120, and is stored in the storage unit 240. Transaction information. Here, the proximity information received from the proximity sensor 120 may be information as illustrated as the proximity information 1003a in FIG. Further, the step of generating the continuous transaction information 2005a corresponds to the step illustrated as step S403 in FIG.

  Here, a notification flag, an approach flag, a shop number, an ATM machine number, and a detection time are set in the continuous transaction information 2005a. Among these, the approach flag, the store number, the ATM machine number, and the detection time are set based on the proximity information 1003. The notification flag is set to “1” by the continuous transaction information generation unit 220 of the related information generation server 700. As described above, the notification flag “1” indicates that it is necessary to generate notification information for notifying the customer C of visiting the store. Other than the above, the CIF number, the subject number, and the account number are not set because they are not included in the proximity information 1003. In the figure, information that is not set is indicated as (null). In this state, when the determination of the step illustrated as step S407 in FIG. 15 is executed, the result is YES because the notification flag = 1, and generation of notification information is executed in the subsequent step S409.

  In the illustrated example, the continuous transaction information 2005b is obtained by updating the continuous transaction information 2005a stored in the storage unit 240 after the communication unit 210 receives the transaction information from the ATM 110. At this time, the transaction information received from the ATM 110 may be information as illustrated as the transaction information 2001a in FIG. Also, the step in which the continuous transaction information 2005a is updated to become the continuous transaction information 2005b corresponds to the step illustrated as step S411 in FIG.

  Here, in the continuous transaction information 2005b, a CIF number, a subject number, and an account number are newly set. These pieces of information are information included in the transaction information 2001a. Further, in the continuous transaction information 2005b, the notification flag is updated to “0” by the continuous transaction information generation unit 220. As described above, the notification flag “0” indicates that it is not necessary to generate notification information. The continuous transaction information 2005a stored in the storage unit 240 and the transaction information 2001a used for updating the continuous transaction information 2005a can be associated with each other when the store number and the ATM machine number match.

  In the illustrated example, the continuous transaction information 1005 c is obtained by further updating the continuous transaction information 2005 b stored in the storage unit 240 when the communication unit 210 further receives transaction information from the ATM 110. The transaction information received from the ATM 110 at this time may be information as illustrated as transaction information 2001b in FIG. Further, the step of updating the continuous transaction information 2005b to become the continuous transaction information 2005c corresponds to the case where the step illustrated as step S411 in FIG. 15 is executed for the second time.

  Here, in the continuous transaction information 2005c, the CIF number, the subject number, and the account number are changed as compared with the continuous transaction information 2005b. This is because the account corresponding to the transaction is different in the transaction corresponding to the transaction information 2001a and the transaction corresponding to the transaction information 2001b. However, in step S411 in which the continuous transaction information 2005 is updated after the transaction information 2001 is received in FIG. 15, the notification flag is set regardless of whether or not the CIF number that is the account name information included in the transaction information changes. It is updated to “0”. Therefore, in the second and subsequent determinations in step S407, the result is NO, and the generation of notification information in the subsequent step S409 is not executed. As a result, the notification information is generated for the first transaction among the continuous transactions by the customer C, and is not generated for the remaining transactions.

(Example of notification information)
FIG. 17 is a diagram showing an example of notification information 2007 generated by the related information generation server 700 according to the second embodiment of the present invention. Referring to FIG. 17, as an example of the notification information 2007, notification information 2007 generated when a transaction for accounts with different names is executed continuously by the customer C at the ATM 110 is shown.

  The notification information 2007 includes a CIF number, a subject number, an account number, a store number, an ATM machine number, and a transaction start time. Among these, the CIF number, the account number, the store number, and the ATM machine number are the same information as the continuous transaction information 2005 described with reference to FIG. These pieces of information are the continuous transaction information 2005 stored in the storage unit 240 or the transaction information 2001 received by the communication unit 210 when the notification information 2007 is generated by the notification information generation unit 730 of the related information generation server 700. Is set based on Further, the transaction start time may be set based on the detection time of the continuous transaction information 2005, or the time when the notification information generation unit 730 generates the notification information 2007 may be set.

  The notification information 2007 is generated by the notification information generation unit 730 and is transmitted to the officer terminal 630 via the communication unit 210. As described above, even when transactions targeting accounts with different names are executed continuously by the customer C at the ATM 110, the notification information 2007 is one for the first transaction among the continuous transactions. Is generated and not generated for the remaining transactions. The same applies to the case where transactions for accounts with the same name are continuously executed. The same applies to the case where three or more transactions are executed continuously.

  In this way, the notification information 2007 is generated only in the first transaction among the continuous transactions, so that the customer C uses, for example, a card in the name of the person and the family, or a card in an account with a different name. Even if a continuous transaction is executed at the ATM 110, it is suppressed that the customer C's store visit notification is displayed on the executive terminal 630, and frequent notifications use the executive terminal 630. It is possible to prevent the business from being hindered.

(Modification)
In said 2nd Embodiment, when the continuous transaction from which account name information mutually differs is processed by ATM110, you may produce | generate a notification conversely instead of suppressing a notification. In this case, the step illustrated as step S407 in FIG. 15 is replaced by a step of determining whether or not the CIF number set in the continuous transaction information is different from the CIF number of the newly received transaction information. . The notification generated in this case may be warning information that calls attention to fraudulent transactions that misuse other people's cards.

(Supplement)
The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, in the above embodiment, the related information generation server generates either the recommended information or the notification information, but the present invention is not limited to such an example. For example, the related information generation server may generate both recommended information and notification information, and other types of customer related information may be generated alone or in combination with other information.

C customer 10,20 automatic transaction system 100,600 branch 110 ATM
120 Proximity Sensor 630 Executive Board Terminal 200,700 Related Information Generation Server 210 Communication Unit 220 Continuous Transaction Information Generation Unit 230 Recommended Information Generation Unit 730 Notification Information Generation Unit 240 Storage Unit

Claims (11)

In the automatic transaction system, transaction information indicating the contents of the transaction processed by the automatic transaction apparatus based on the operation of the customer, and proximity information indicating the approach or separation of the customer detected by the proximity detection apparatus A server device to obtain,
A plurality of the transactions processed between the approach and the separation based on the transaction information and the proximity information are identified as a continuous transaction by the customer, and the customer related to the customer based on the transaction information of the continuous transaction A related information generation unit for generating related information ;
The related information generating unit, one of the continuous transaction at a time, the server apparatus characterized that you generate the customer-related information. The transaction information includes transaction type information indicating the type of transaction,
The server device according to claim 1, wherein the related information generation unit generates recommendation information that recommends a financial product to the customer based on the transaction type information of the continuous transaction.   The related information generation unit recommends recommending a small loan to the customer when the transaction type information of the continuous transaction includes the transaction type information indicating withdrawal by credit card and payment to a financial institution account. The server device according to claim 2, wherein the server device generates information. A storage unit that stores the history of the transaction information, or a communication unit that communicates with an external storage device that stores the history of the transaction information,
The related information generation unit refers to the transaction information history, and the number of transactions of withdrawal or balance inquiry indicated by the transaction type information included in the transaction information history of the customer is a predetermined number or more. The server apparatus according to claim 3, wherein recommendation information for recommending a small loan to the customer is generated.   5. The server device according to claim 2, further comprising a communication unit that transmits the recommended information to at least one of a direct mail sending department, a call center, and a sales office window.   The related information generation unit generates notification information for notifying the customer's visit for the first transaction among the continuous transactions, and does not generate the notification information for the remaining transactions. The server device according to 1. The transaction information includes account name information indicating the name of the account to be traded,
The related information generating unit, wherein the customer-related information about the transactions of the remaining even when the account holder information differs between the customer related information One is generated transactions and the remainder of the transaction of the continuous transaction The server device according to claim 1 , wherein the server device is not generated. And further comprising a communication unit that transmits the customer-related information to the transaction manager of the terminal apparatus, server apparatus according to claim 1. The transaction information includes account name information indicating the name of the account to be traded,
The server device according to claim 1, wherein the related information generation unit generates warning information that calls attention to an illegal transaction when the account name information of the continuous transaction is different from each other. An automatic transaction apparatus that processes transactions based on customer operations and transmits transaction information indicating the contents of the transactions;
A proximity detection device that detects approach and separation of the customer from the automatic transaction device and transmits proximity information indicating the approach or separation; and
Receiving the transaction information and the proximity information, identifying a plurality of transactions processed between the approach and the separation based on the transaction information and the proximity information as continuous transactions by the customer; A server device comprising a related information generation unit that generates customer related information about the customer once per one continuous transaction based on the transaction information of the customer , and transmits the customer related information to a terminal device of a transaction manager ;
An automatic transaction system characterized by including: Obtaining access information indicating the approach of the customer to the automatic transaction device;
After the approach, obtaining first transaction information indicating the content of the first transaction processed by the automatic transaction device based on the operation of the customer;
After the first transaction, obtaining second transaction information indicating the content of the second transaction processed by the automatic transaction apparatus based on the operation of the customer;
After the second transaction, obtaining distance information indicating the distance of the customer from the automatic transaction device;
The first transaction and the second transaction are identified as a continuous transaction by the customer, and the customer is based on at least the first transaction information and the second transaction information once for each of the continuous transactions. Generating customer related information about,
Transmitting the customer related information to a transaction manager's terminal device .

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