JP6338564B2 - ATM reservation system and method - Google Patents

Description

  The present invention relates to an ATM reservation system and method.

  At ATM (Automatic Teller Machine) corners installed at each branch of a financial institution, the ATM waiting time may become very long depending on busy days and time zones. While ATMs have large differences in usage depending on the time of day and date, they require cost and space for installation, so the number of ATMs is limited and it is difficult to install a reasonable number of ATMs. . In addition, on the settlement date in accordance with business practice (5th, 10th, 15th, 20th, 25th, 30th, or the end of the month), the operation time becomes longer, such as transfer or payment by Pay-easy (registered trademark). Since transactions are concentrated and there are customers who use these transactions in succession, a long waiting time is inevitably generated. When there is such a customer, the ATM turnover rate deteriorates and the ATM corner becomes crowded. In addition, it may be possible to further increase the waiting time, such as a mistake in operation due to the pressure of the customer himself “waiting”. On the other hand, the lobby staff in the store may receive an inquiry about the operation method from a customer who is unfamiliar with the operation of the ATM. In such a case, it becomes impossible for the lobby staff to perform other tasks such as customer guidance.

  One way to increase the ATM rotation rate is to shorten the operation time before the ATM. It is also necessary to reduce the waiting time of waiting customers. Therefore, it is conceivable to use a mobile terminal such as a tablet PC, which is mobile and has a relatively low purchase unit price, and asks the waiting customer to pre-enter data such as the transfer destination, thereby reducing the data entered at the ATM. . This is effective in that a customer who wishes to operate an ATM after waiting for a turn at the window can also have a prior input while waiting for the turn at the window. However, since transaction data input by ATM is highly confidential data, it is necessary to pay close attention to its handling. For example, when a mobile terminal is input at a distance close to another person, consideration must be given so that the input content is stolen and not misused.

The present invention has been made to achieve such an object, and one embodiment of the present invention is a server computer that manages data and reservation numbers relating to pre-entered transaction contents for each branch of a financial institution. And the server computer
The data relating to the transaction content is received as reservation input data from the first computer,
When receiving the reservation input data, generate the reservation number that is unique for at least the branch, store the reservation number in association with the reservation input data,
Sending the reservation number to the first computer;
Receiving the reservation number from an ATM installed in the branch;
Receiving the reservation number, obtaining the reservation input data associated with the reservation number;
The reservation input data associated with the reservation number is transmitted to the ATM.

  Further, in the server computer described in the preceding paragraph, the reservation input data does not include data relating to a customer who is a client of a transaction, receives an authentication result of the customer from the ATM, and authenticates based on the authentication result The reservation number is received when it is determined that the reservation has been normally performed.

  Furthermore, the server computer described in the preceding two paragraphs is further configured to calculate an effective time limit of the reservation number.

  Further, in the server computer described in the preceding paragraph, the valid time period is for each of the branches, whether the branch is busy, and whether a client who makes a reservation is waiting for an ATM or a counter. It is characterized in that it is variable based on at least one.

Further, another embodiment of the present invention is a method executed by a server computer that manages data and reservation numbers related to pre-entered transaction contents for each branch of a financial institution, and the method includes:
The server computer receiving data relating to the transaction content from the first computer as reservation input data;
When the reservation input data is received, the server computer generates the reservation number that is unique for at least the branch, and stores the reservation number in association with the reservation input data;
The server computer sending the reservation number to the first computer;
The server computer receiving the reservation number from an ATM installed in the branch;
Receiving the reservation number, the server computer obtaining the reservation input data associated with the reservation number;
The server computer includes the step of transmitting the reservation input data associated with the reservation number to the ATM.

Furthermore, another embodiment of the present invention is a computer program that causes a server computer to execute a method for managing data and reservation numbers relating to pre-entered transaction details for each branch of a financial institution, wherein the computer program includes: When executed by the server computer, the server computer
The data relating to the transaction content is received as reservation input data from the first computer,
When receiving the reservation input data, generate the reservation number that is unique for at least the branch, store the reservation number in association with the reservation input data,
Sending the reservation number to the first computer;
The reservation number is received from an ATM installed at the branch,
When the reservation number is received, the reservation input data associated with the reservation number is acquired,
The reservation input data associated with the reservation number is transmitted to the ATM.

  As described above, according to the present invention, the operation time before the ATM can be shortened, and the rotation rate of the ATM can be increased. In addition, the waiting time of waiting customers can be reduced. In addition, the data input at the mobile terminal can be limited to data that is difficult to abuse by itself, and the confidentiality of the transaction data can be ensured.

It is a figure which shows the system configuration | structure which concerns on one Embodiment of this invention. It is a figure which shows the structure of the ATM reservation server which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the reservation input data memory | storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the reservation input data memory | storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the reservation input data memory | storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the client data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the transaction execution data storage part which concerns on one Embodiment of this invention. It is a flowchart which shows the reservation input process which concerns on one Embodiment of this invention. It is a flowchart which shows the transaction execution process which concerns on one Embodiment of this invention.

  An outline of an ATM reservation system according to an embodiment of the present invention will be described. FIG. 1 is a diagram showing a system configuration according to an embodiment of the present invention. In FIG. 1, an ATM reservation server 100 installed at each branch of a financial institution is connected to one or a plurality of mobile terminals 102a to 102n (hereinafter collectively referred to as “mobile terminals 102”) via a network 101 (for example, an intranet). ) And one or more ATMs 103a to 103n (hereinafter collectively referred to as "ATM103"). The ATM reservation server 100, the mobile terminal 102, and the ATM 103 that communicate via the network 101 are assumed to be implemented in the same branch (that is, the same or similar system configuration exists for each branch). The ATM reservation server 100 does not necessarily have to be installed in the branch (may be integrated as one or a plurality of server computers in a data center or the like). The ATM reservation server 100 and the ATM 103 are configured to communicate with a host server 105 installed in a data center or the like via a network 104 (for example, a dedicated network for each financial institution).

  The mobile terminal 102 is a terminal (for example, a tablet PC) for an ATM waiting customer to make a reservation input. The mobile terminal 102 assumes wireless communication via an access point, and can be used in a different place in the store, such as a reception room, in addition to being used by customers in front of an ATM. The customer uses the mobile terminal 102 to input a reservation such as a transfer destination. When a reservation is input, the mobile terminal 102 transmits the reservation input data input to the ATM reservation server 100 and receives the reservation number assigned by the ATM reservation server 100.

  The ATM reservation server 100 manages reservation input processing for each branch of a financial institution. When receiving the reservation input data from the mobile terminal 102, the ATM reservation server 100 assigns a reservation number and transmits the reservation number to the mobile terminal 102. Further, when the ATM reservation server 100 receives the reservation number from the ATM 103, the ATM reservation server 100 searches for reservation input data associated with the reservation number and transmits the acquired reservation input data to the ATM 103.

  The ATM 103 is an ATM installed at each branch of a financial institution. When the customer 103 inserts the cash card and inputs the password, the ATM 103 transmits the cash card data and the password to the host server 105 and receives the authentication result. In addition, when the reservation number assigned at the time of reservation input is input by the customer, the ATM 103 transmits the reservation number to the ATM reservation server 100 and receives reservation input data associated with the reservation number from the ATM reservation server 100. To do. When the ATM 103 receives the reservation input data, the ATM 103 displays the received reservation input data on the confirmation screen for confirmation by the customer. When the ATM 103 receives a confirmation completion instruction from the customer (for example, by pressing a button on the confirmation screen), the ATM 103 passes through the ATM reservation server 100 (or via another server). To send transaction data for executing the transaction. At this time, the ATM 103 can correct the reservation input data and input additional data (for example, data relating to the client. The data is not input at the reservation input stage in consideration of security).

  The host server 105 manages transaction execution processing from each branch. The host server 105 receives transaction execution data from the ATM 103 and executes a transaction (for example, a transfer process) based on the data.

  Next, the configuration of the ATM reservation server 100 will be described in detail. FIG. 2 is a diagram showing a configuration of an ATM reservation server according to an embodiment of the present invention. In FIG. 2, only a necessary functional configuration is shown assuming a single computer system.

  In the ATM reservation server 100, a RAM 111, an input device 112, an output device 113, a communication control device 114, and a storage device 116 that is a non-volatile storage medium (ROM, HDD, etc.) are connected to a CPU 110 via a system bus 115. It has a configuration. The storage device 116 includes a program storage area that stores a software program for performing each function of the ATM reservation system, and a data storage area that stores data handled by the software program. Each means in the program storage area described below is actually an independent software program, its routines, components, and the like, which are called from the storage device 116 by the CPU 110 and expanded in the work area of the RAM 111, with reference to the database and the like as appropriate. Each function is performed by being executed sequentially.

  Next, the software programs stored in the program storage area in the storage device 116 are provided with data transmission / reception means 120, reservation number management means 121, and data acquisition means 122, if only those related to the present invention are listed. . These means are executed by the CPU 110.

  The data transmission / reception means 120 performs data transmission / reception with another computer such as the mobile terminal 102.

  The reservation number management means 121 generates a random number (for example, four-digit alphanumeric characters) so as to be unique at least in the store. Further, the reservation number management means 121 can set a valid time period for the generated reservation number, and can invalidate the generated reservation number after the time limit has elapsed. Further, it is determined whether the reservation number received from the ATM 103 is valid.

  Based on the received reservation number, the data acquisition unit 122 searches a reservation input data storage unit 130, which will be described later, and acquires reservation input data associated with the reservation number.

  Next, the data storage area in the storage device 116 includes a reservation input data storage unit 130, a client data storage unit 131, and a transaction execution data storage unit 132 when only those related to the present invention are listed. Both are fixed storage areas secured in the storage device 116.

  The reservation input data storage unit 130 stores data relating to transaction details that is input in advance via the mobile terminal 102. 3 to 5 are diagrams showing data stored in the reservation input data storage unit according to the embodiment of the present invention. Since the reservation input data has different data items depending on the transaction contents, there are a plurality of data tables as shown in FIGS. Moreover, in another embodiment, it can also manage as one data table which contains all the data items of FIGS. 3-5 (empty data is set to an unnecessary data item by transaction content).

  The reservation input data in FIG. 3 is data when the transaction content is a transfer. The reservation input data in FIG. 3 stores the transfer destination financial institution and account information, “reservation number” uniquely indicating this data, and “valid time limit” indicating the validity time of this data and reservation number. The “transfer account deposit type” is a so-called account type, and a numerical value indicating the account type (for example, 1: normal deposit, 2: current account,...) Can be set. Further, since the “reservation number” is stored after the numbering, nothing is stored when it is transmitted as input data from the mobile terminal 102. The “valid period” may be variable depending on the branch office, the difference in busyness at the branch office, waiting for the ATM order or waiting for the counter, etc., but approximately 5 to 30 minutes after the numbering is set. The In addition, this data does not have a “valid time limit”, has a time at the time of numbering, and has a valid time (for example, 5 to 30 minutes, which can also be changed dynamically depending on the busyness difference). It is also possible to calculate the effective time limit of this data and the reservation number. In order to reduce unnecessary resources, reservation input data having a valid time period that has passed can be deleted, for example, in a nightly night batch.

  The reservation input data in FIG. 4 is data when the transaction content is payment by Pay-easy. The reservation input data shown in FIG. 4 includes a “storage institution number” that uniquely indicates a payee, a “payment number” that uniquely indicates transaction details (payers, etc.), a storage institution to freely classify payment amounts and their properties. The “confirmation number” and “payment classification”, which are numbers that can be set in the field, “reservation number” uniquely indicating this data, and “valid time limit” indicating the validity period of this data and reservation number are stored. The “reservation number” and “valid time limit” are the same as those in the reservation input data of FIG.

  The reservation input data in FIG. 5 is data when the transaction content is withdrawal. The reservation input data in FIG. 5 stores “withdrawal amount” indicating the withdrawal amount, “reservation number” uniquely indicating this data, and “valid time limit” indicating the valid time period of this data and the reservation number. The “reservation number” and “valid time limit” are the same as those in the reservation input data of FIG.

  The client data storage unit 131 stores data relating to a customer who requests a transaction. FIG. 6 is a diagram showing data stored in the client data storage unit according to the embodiment of the present invention. The client data in FIG. 6 stores the financial institution and account information of the client. The “client deposit item” is the same as that in the reservation input data of FIG.

  The transaction execution data storage unit 132 stores data relating to the details of the transaction to be executed. FIG. 7 is a diagram showing data stored in the transaction execution data storage unit according to the embodiment of the present invention. The transaction execution data in FIG. 7 stores the client's financial institution and account information, transaction details, and “ATM machine number” that uniquely indicates the operated ATM. The client's financial institution and account information are the same as those in the client data of FIG. The transaction content is one of the reservation input data in FIGS. 3 to 5, and varies depending on the transaction content. The transaction content in FIG. 6 is data when the transaction content is a transfer. Therefore, the transaction content in FIG. 6 is the same as that in the reservation input data in FIG. As for the data items related to the transaction contents, similarly to the reservation input data of FIGS. 3 to 5, 1 which includes all the data items of FIGS. 3 to 5 without having a plurality of data tables according to the transaction contents. It can also be managed as one data table (empty data is set for unnecessary data items depending on transaction details).

  Next, referring to the flowchart of FIG. 8 and the data of FIGS. 3 to 5, the reservation processing according to an embodiment of the present invention will be described along the flow. FIG. 8 is a flowchart showing a reservation input process according to an embodiment of the present invention. This process is a process until the customer waiting at the ATM or the counter inputs the transaction details in advance via the mobile terminal 102 and the reservation number is issued. The execution subject of this process is the ATM reservation server 100.

  First, in step 801, the data transmission / reception means 120 receives reservation input data (any of FIGS. 3 to 5) input by an ATM or a customer waiting at a window from the mobile terminal 102 and stores it in the reservation input data storage unit 130. Store. Reservation input data (FIGS. 3-5) has different data items depending on the transaction content. FIG. 3 shows the contents of the transaction, FIG. 4 shows the payment by Pay-easy, and FIG. 5 shows the reservation input data in the case of withdrawal. However, this is only one embodiment, and in another embodiment, it can be a single data table including all the data items in FIGS. 3 to 5 (an unnecessary data item is empty depending on the transaction content). Data is set). In the case of another transaction content, the reservation input data is data including data items corresponding to the transaction content. It should be noted that at the time of step 801, nothing is included in the “reservation number” and “valid time limit” of the reservation input data (FIGS. 3 to 5).

  After step 801, the reservation number management unit 121 generates a random number (for example, four-digit alphanumeric characters) so as to be unique at least in the store, and stores the corresponding reservation input data in the reservation input data storage unit 130. Stored in "reservation number" (step 802). A specific method for generating the reservation number so as to be unique within the store is, for example, storing the reservation number generated for each branch and within the valid time period as generated reservation number data (not shown). When a new reservation number is generated, if the reservation number exists in the generated reservation number data (not shown), it may be possible to generate the reservation number again. In the case of setting an effective time period for the reservation number at the time of step 802, the effective time period is calculated (for example, after the effective time from the system time of the ATM reservation server 100), and is set to the “effective time period” of the reservation input data. Store.

  The effective time period can be a time after a fixed effective period (for example, 30 minutes) from the system time, or the effective period can be dynamically changed. The dynamic change of the effective period is to change the effective period depending on whether it is a branch office, busyness difference, waiting for an ATM order or waiting for a counter. In this case, the change of the validity period for each branch is that a branch where ATM waiting is likely to occur is set to a longer validity period (for example, 30 minutes) and a branch where ATM waiting is less likely to occur (for example, 10 minutes). It is to be. The change of the effective period due to the difference between busy and busy is, for example, extending the effective period in proportion to the number of waiting customers. Further, in the case of waiting at the counter, since it is assumed that the ATM is operated after the transaction at the counter is completed, the valid period is set longer than that at the ATM waiting.

  After step 802, the data transmitter / receiver 120 transmits the generated reservation number to the mobile terminal 102 (step 803). The reservation number transmitted to the mobile terminal 102 can be displayed on the screen of the mobile terminal 102 or printed via a mobile printer (not shown) that can communicate with the mobile terminal 102. After step 803, the process ends.

  Next, with reference to the flowchart of FIG. 9 and the data of FIGS. 6 and 7, a transaction execution process according to an embodiment of the present invention will be described along the flow. FIG. 9 is a flowchart showing transaction execution processing according to an embodiment of the present invention. In this process, after the ATM or customer waiting for the window pre-enters the transaction details via the mobile terminal 102, the reservation number issued to the ATM 103 is input and the pre-input data (reservation input data) is acquired. This is a process from adding and / or correcting input to executing a transaction. The execution subject of this process is also the ATM reservation server 100.

  First, in step 901, the data transmission / reception means 120 receives an authentication result from the ATM 103 using the customer's cash card and password. This step is the same as the conventional ATM operation. In addition, this process can be started from reception of the reservation number (step 903) without receiving the authentication result (steps 901 and 902 are not performed). There may be a case where the transaction data is newly registered in the ATM 103 without using the cash card (the customer is not authenticated) and the client 103 newly registers the client data (transfer client name, telephone number, etc.).

  If it is determined that the authentication has not been normally performed based on the received authentication result, the process proceeds to the No route in step 902, and the process ends. In this case, it can be displayed on the ATM 103 and the password can be input again.

  On the other hand, if it is determined that the authentication has been normally performed, the process proceeds to a Yes route in Step 902, and the data acquisition unit 122 receives the reservation number input by the customer from the ATM 103 (Step 903). Strictly speaking, if the authentication is normally performed in step 902, an input screen for a reservation number is displayed on the ATM 103, and the input reservation number is received.

  When the reservation number is received, the reservation number management unit 121 determines whether or not the received reservation number is valid (step 904). Specifically, the reservation input data (FIGS. 3 to 5) stored in the reservation input data storage unit 130 is searched using the received reservation number as a search key to obtain “valid time limit”. If the acquired valid time is within the system time of the ATM reservation server 100 when the reservation number is received, for example, it is determined that the received reservation number is valid. If the received reservation number is invalid, the process proceeds to the No route in step 904, and the process ends. Alternatively, the processing of steps 905 and 906 is skipped and the reception of transaction data in step 907 is awaited.

  On the other hand, if the received reservation number is valid, the process proceeds to a Yes route in step 904, and the data acquisition unit 122 searches the reservation input data storage unit 130 based on the received reservation number and sets the reservation number. Reservation input data (one of FIGS. 3 to 5) to be associated is acquired (step 905).

  The acquired reservation input data is transmitted to the ATM 103 by the data transmission / reception means 120 (step 906). The reservation input data is displayed on the screen of the ATM 103 and is confirmed by the customer.

  Next, the data transmission / reception means 120 receives transaction execution data (FIG. 7) from the ATM 103 and stores it in the transaction execution data storage unit 132 (step 907). The transaction execution data is data generated by the ATM 103 and includes reservation input data (FIGS. 3 to 5), client data (FIG. 6), and “ATM machine number” uniquely indicating the operated ATM. is there. That is, the ATM 103 receives client data input by the customer in advance after receiving the reservation input data transmitted in step 906 or before receiving it. Then, the ATM 103 generates transaction execution data based on the received client data and reservation input data. Further, the contents of the transaction execution data are displayed on the confirmation screen of the ATM 103 before being transmitted to the ATM reservation server 100, prompting the user to confirm and correct if necessary. Here, when the reservation input data and / or client data is corrected by the customer, the ATM 103 generates transaction execution data again based on the corrected reservation input data and / or client data. In this case, the transaction execution data transmitted in step 907 is, as a matter of course, corrected transaction execution data (the transaction execution data before correction is not transmitted). In another embodiment, creation of such transaction execution data can be performed by the ATM reservation server 100. In that case, the ATM reservation server 100 receives reservation input data and client data from the ATM 103. When the reservation input data and the client data are corrected, the corrected data is received, but the ATM reservation server 100 does not need to be aware of whether or not the correction has been made. In addition, the ATM reservation server 100 can request and obtain client data from the host server 105 based on the cash card data by receiving cash card data from the ATM 103 without receiving client data. .

  Next, the data transmission / reception means 120 transmits the received transaction execution data (FIG. 7) to the host server 105 (step 908). Note that the ATM 103 can also transmit the transaction execution data directly to the host server 105 without going through the ATM reservation server 100. In this case, steps 907 and 908 which are processing of the ATM reservation server 100 do not need to be executed, and this processing ends, and the transaction execution data storage unit 132 on the ATM reservation server 100 is also unnecessary. In any case, the host server 105 executes a transaction (for example, a transfer process) based on the received transaction execution data. After step 908, the process ends.

  As described above, according to the present invention, the operation time before the ATM can be shortened, and the rotation rate of the ATM can be increased. In addition, the waiting time of waiting customers can be reduced. In addition, the data input at the mobile terminal can be limited to data that is difficult to abuse by itself, and the confidentiality of the transaction data can be ensured.

Claims (6)

A server computer that manages data and reservation numbers relating to transaction details pre-input for transfer processing for each branch of a financial institution, and the server computer includes:
Data relating to the transaction content is received as reservation input data from a first computer communicably connected to a server computer in a first branch, and the reservation input data is data relating to a customer who is a transfer requester. not included,
Receiving the reservation input data, generating the reservation number for the first branch that is unique for each branch of the financial institution, and storing the reservation number in association with the reservation input data;
Calculating an effective time period of the generated reservation number, storing the effective time period in association with the reservation number;
Sending the reservation number to the first computer;
The reservation number is received from an ATM installed at the first branch and connected to a server computer at the first branch,
Receiving the reservation number, obtaining the valid time period associated with the reservation number;
Determining whether the reservation number is valid based on the valid time period;
If it is determined that the reservation number is valid, the reservation input data associated with the reservation number is acquired,
A server computer configured to transmit the reservation input data associated with the reservation number to the ATM. Receiving an authentication result of the use customer before Symbol ATM, the authentication if it is determined that the authentication has been performed successfully on the basis of the results, according to claim 1, characterized in that reception of the reservation number is performed Server computer.   3. The server computer according to claim 1, wherein the effective time period is set in units of minutes based on a system time of the server computer. The effective time period of the previous SL Hankan difference in the first branch, and / or, the use customer based waiting crab ATM waiting list or contact for making a reservation input, claims, characterized in that a variable Item 4. The server computer according to Item 3. A method executed by a server computer that manages data and reservation numbers relating to pre-entered transaction details for a transfer process for each branch of a financial institution, the method comprising:
The server computer receives data relating to the transaction contents as reservation input data from a first computer communicably connected to the server computer in the first branch , wherein the reservation input data is transferred A step that does not contain data about the customer who is the client ,
Upon receipt of the reservation input data, the server computer generates the reservation number for the first branch that is unique for at least the branch of the financial institution, and associates the reservation number with the reservation input data Step to remember,
The server computer calculates an effective time period of the generated reservation number, and stores the effective time period in association with the reservation number;
The server computer sending the reservation number to the first computer;
The server computer receiving the reservation number from an ATM installed at the first branch and communicatively connected to a server computer at the first branch;
Receiving the reservation number, the server computer obtaining the valid time period associated with the reservation number;
The server computer determining, based on the valid time period, whether the reservation number is valid;
If it is determined that the reservation number is valid, the server computer obtains the reservation input data associated with the reservation number;
The server computer includes the step of transmitting the reservation input data associated with the reservation number to the ATM. A computer program for causing a server computer to execute a method for managing data and reservation numbers relating to pre-input transaction details for a transfer process for each branch of a financial institution, wherein the computer program is executed by the server computer When the server computer,
Data relating to the transaction contents is received as reservation input data from a first computer communicably connected to a server computer in a first branch, and the reservation input data is data relating to a customer who is a transfer requester. not included,
Receiving the reservation input data, generating the reservation number for the first branch that is unique for each branch of the financial institution, and storing the reservation number in association with the reservation input data;
Calculating an effective time limit of the generated reservation number, and storing the effective time period in association with the reservation number;
Sending the reservation number to the first computer;
The reservation number is received from an ATM installed in the first branch and connected to a server computer in the first branch so as to be able to communicate;
Upon receipt of the reservation number, the effective time period associated with the reservation number is acquired,
Based on the valid time limit, determine whether the reservation number is valid,
When it is determined that the reservation number is valid, the reservation input data associated with the reservation number is acquired,
A computer program for causing the ATM to transmit the reservation input data associated with the reservation number.

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