JP6620073B2 - Financial transaction system and content distribution method - Google Patents

Description

  The present invention relates to a financial transaction system, and more particularly to content distribution in a cash automatic transaction system in which a customer makes a cash transaction using an ATM (automated cash transaction apparatus).

  Digital signage that distributes contents such as images and characters and displays them on a medium such as a display is widely used in public institutions, stores, and transportation facilities. Digital signage has also been proposed for systems using ATMs that provide financial services.

  For example, Patent Literature 1 includes a classification unit that classifies information of a plurality of customers acquired by a monitoring camera or the like into a plurality of customer groups, an analysis unit that analyzes distribution trends of customers classified into the customer groups, And a distribution plan creation unit for creating a distribution plan for distributing content based on the analysis result of distribution trends, and the digital signage provided in the ATM or POS terminal for the content specified by the distribution plan unit An information transmission system that transmits information to customers via the Internet is disclosed.

JP 2014-178918 A

  Patent Document 1 discloses an information transmission system that displays content using a display provided in an ATM as a digital signage, but a transaction process when a customer performs a cash transaction using an ATM. The relationship with content display processing is not described in detail. In addition, since cash transactions using ATM handle personal information, strict security management is required. Patent Document 1 does not mention display of content on digital signage on the premise of user security management.

Therefore, an object of the present invention is to provide a financial transaction system and a content distribution method for distributing and displaying content while ensuring security related to financial transactions.

The financial transaction system according to the present invention is preferably connected to a transaction apparatus that performs a financial transaction according to a user's operation, a display installed corresponding to the transaction apparatus, and the display via a network. A first server for managing the content to be provided to the display, connected to the first server, and connected to the transaction apparatus via a network to manage the user information, A financial transaction system having a second server for performing financial transactions for the user,
The first server manages a relationship between the user attribute and the content;
When the user conducts a financial transaction using the transaction device, the first server has the content corresponding to the attribute of the user related to the user information managed by the second server. And the user is distributed to the display device related to the transaction device with which the transaction is performed,
The display is configured as a financial transaction system that displays a screen including the distributed content.

The present invention is also grasped as a content distribution method in the financial transaction system.

  According to the present invention, in a financial transaction system, it is possible to distribute and display contents in accordance with user attributes while ensuring security related to financial transactions.

The figure which shows the structure of the financial transaction system in one Example. The figure which shows the external appearance of ATM which mounts a tablet. The figure which shows the example of the screen of the content displayed on a tablet. The figure which shows the structural example of the database in a financial transaction system. The figure which shows the example of a terminal information table. The figure which shows the example of a content management table. The figure which shows the example of an attribute management table. The figure which shows the example of an operation history table. The figure which shows the example of a user information table. The figure which shows the example of an attribute conversion table. The figure which shows the function structure of the server. The figure which shows the function structure of the server 13. The figure which shows the function structure of ATM20. The figure which shows the function structure of the tablet 24. The flowchart figure which shows the transaction process and the display process of a content in a financial transaction system.

  Hereinafter, a preferred embodiment of the present invention will be described with reference to the drawings. This embodiment implement | achieves delivery and display of the content in the financial transaction system in which a user can perform automatic cash transaction using ATM.

FIG. 1 shows a configuration example of a financial transaction system.
In FIG. 1, the financial transaction system is installed in two servers 11 and 14 installed in the center 1 and ATM 20 and ATM 20 installed in the ATM corner 2 and connected to each server 14 and 11 via a network, respectively. The tablet 24 is configured.

  More specifically, the server 11 manages display content (hereinafter simply referred to as content) to be provided to the tablet 24, and the tablet 24 via the network 113, the router 115, the Internet 191, the router 251, and the wireless network 211. Connected to. The server 14 is a device that processes financial transaction business (that is, account transaction), and is connected to the ATM 20 via the network 143, the router 145, the dedicated network 192, the router 252, and the network 222. The server 11 and the server 14 are connected via a firewall 16. As shown in FIG. 2, the ATM 20 includes a tablet 24 that displays content provided from the server 11, and an operation screen (for example, a transaction touch panel) 2031 that is used for various inputs and displays by a user for financial transactions.

  Here, the financial transaction system includes a high security area 282 that handles important information of transaction information (account number, balance, personal information, etc.) handled by the ATM 20 and information (information that can be disclosed) that can be displayed on the tablet 24. The area is divided into a low security area 281, and both areas 281 and 282 are managed separately by the firewall 16. As a result, important information managed by the high security area 292, mainly the server 14, is prevented from flowing into the low security area 281 and security is ensured.

  Next, the functional configuration of each device constituting the financial transaction system and the data handled will be described.

  As shown in FIG. 4, the server 11 and the server 14 have databases (DB) 130 and 142 for storing unique data, respectively. The server 11 and the server 14 have various processing functions in addition to the DB, and these functions will be described later with reference to FIGS. 11 to 14.

  The DB 130 of the server 11 holds a terminal information table 50, a content management table 60, an attribute management table 70, and an operation history table 80.

  As shown in FIG. 5, the terminal information table 50 is a table that associates the tablet 24 with an installation location where the tablet is installed (that is, information specifying an ATM). The terminal information table 50 identifies the store number 510 that identifies the location (bank branch or predetermined location) where the ATM 20 where the tablet 24 is installed, the machine number 511 that identifies each ATM 20, and the tablet 24. To manage the MAC address 512.

  As shown in FIG. 6, the content management table 60 is a table for managing the tablet 24 installed in the ATM 20 and the content that can be displayed on the tablet. The content management table 60 manages a store number 610 for identifying a tablet, a machine number 611, initial content information 612 for identifying initial content, and attribute content information 613 for characterizing attribute content corresponding to customer attributes. . The attribute content information includes, for example, information on mortgages, insurance, and education loans. The attribute content information 613 is changed (updated) at any time according to the attribute of the customer who deals with the ATM 20.

  As shown in FIG. 7, the attribute management table 70 is a table that associates user attributes with content information corresponding to the attributes, and manages user attributes 710 and attribute content information 711. Here, the attribute is information unique to the user such as the user's age group, family structure, child age (school year), and the like. The attribute management table 70 associates user attributes (for example, one child with a kindergarten) and attribute content information (for example, children's school insurance or mortgage notice).

  As shown in FIG. 8, the operation history table 80 is a table for storing the history of content distributed to the tablet 24. The content distribution date and time 810, distribution destination store number 811, machine number 812, attribute 813 The content information 814 is managed.

Next, the configuration of the DB 142 of the server 14 will be described.
The DB 142 of the server 14 has a user information table 90 and an attribute conversion table 10.

  As shown in FIG. 9, the user information table 90 is a table that stores information for specifying a user. Account number 910, name 911, gender 912, date of birth 913, and other information 914 representing characteristics are managed.

  As shown in FIG. 10, the attribute conversion table 10 is a table for associating user characteristics with attributes. An attribute 1010, a gender 1011, a date of birth 1012 and other information 1013 representing characteristics are managed.

  As shown in FIG. 11, the server 11 has a registration function 110, an operation function 120, and a database (referred to as DB) 130. The configuration of the DB 130 will be described later with reference to FIG.

  The registration function 110 includes a content registration function 1101, a tablet information registration function 1102, and an initial content registration function 1103. In addition, the operation function 120 includes a content identification function 1201, a content transmission function 1202, a customer visit notification function 1203, and an attribute content setting function 1204. The server 11 has a processor (CPU) and a storage device as hardware, and the above functions are realized by a program being executed by the processor (CPU).

  Here, the content registration function 1101 is a function for registering content information corresponding to attributes, user characteristics, and attributes in the attribute management table 70. The tablet information registration function 1102 is a function for registering tablet information (that is, an ATM shop number, a machine number, a tablet MAC address, etc. where the tablet is installed) in the terminal information table 50. The initial content registration function 1103 is a function for registering initial content information (that is, store number, machine number, initial content information, etc.) to be displayed on the tablet in the content management table 60.

  In the operation function 120, the content specifying function 1201 is a function for specifying content to be transmitted to the tablet 24. That is, when the tablet 24 is activated, initial content information is acquired from the content management table 60 based on information (store number, machine number) from the tablet. In addition, when the customer attribute screen display button 31 is pressed on the initial content screen, the attribute content information is acquired from the content management table 60 based on the information (store number, machine number) from the tablet 24. Further, when the transaction end information is received, the attribute content information is acquired from the content management table 60 based on the information (store number, machine number) from the server 14.

  The content transmission function 1202 is a function for transmitting content to the tablet 24. That is, when the customer attribute screen display button 31 is pressed when the tablet 24 is activated, the MAC address of the tablet is acquired from the terminal information table 50 based on the information from the tablet 24 (store number and machine number), The content determined by the content specifying function is transmitted to the tablet 24. Further, when receiving the transaction end information, the MAC address of the tablet is acquired from the terminal information table 50 based on the transaction end information (store number, machine number, transaction end, etc.) notified from the server 14, and the content specifying function is used. The determined content is transmitted to the tablet 24.

  The customer visit notification function 1203 is a function for notifying the tablet 24 of customer visits. That is, when the attribute content to be transmitted to the tablet 24 is specified, the MAC address of the tablet 24 is acquired from the terminal information table 50 based on the ATM information (store number and machine number) notified from the server 14, and the tablet 24 Send customer visit notification to.

  The attribute content setting function 1204 is a function for managing update and deletion of attribute content information in the content management table 60. That is, content information corresponding to the attribute is acquired from the attribute management table 70 based on the customer attribute notified from the server 14 at the start of ATM transaction. Further, the attribute content information in the content management table 60 is updated based on the ATM information (store number and machine number) notified from the server 14 and the content information acquired from the attribute management table 70. In addition, after the end of the ATM transaction, the initial content information to be displayed on the tablet 24 of the content management table 60 is acquired based on the transaction end information (store number, machine number, transaction end, etc.) notified from the server 14, and the attribute content Delete information.

  As shown in FIG. 12, the server 14 has a registration function 140, an operation function 141, and a database (referred to as DB) 142. The configuration of the DB 142 will be described later with reference to FIG.

  The registration function 140 includes a user information registration function 1401 and an attribute information registration function 1402, and the operation function 141 includes a user attribute notification function 1412 and a transaction end notification function 1413. The server 14 includes a processor (CPU) and a storage device as hardware, and the above functions are realized by a program being executed by the processor (CPU).

  Here, the user information registration function 1401 is a function for registering user information such as account number, name, sex, and age in the user information table 90. The attribute information registration function 1402 is a function for registering information such as attributes and user characteristics, such as attributes, sex, and date of birth, in the attribute conversion table 10.

  The user attribute notification function 1412 is a function for acquiring customer information (for example, gender and date of birth) from the user information table 90 based on customer information such as an account number notified from the ATM 20. Further, it is a function of acquiring attributes from the customer information attribute conversion table 10 based on the customer information acquired from the user information table 90 and notifying the server 11 of ATM information and customer attributes.

  The transaction end notification function 1413 is a function for notifying the server 11 of the end of transaction when the ATM information (store number, machine number, transaction end, etc.) notified from the ATM 20 is received.

  As shown in FIG. 13, the ATM 20 has, as an operation function 200, a transaction state notification function 201, a transaction function (account system transaction) 202, and a display function 203 that causes the operation screen 2031 to display and input.

  The ATM 20 has various mechanisms for financial transactions, a processor (CPU), a storage device, and a communication unit as hardware, and the above functions are realized by a program being executed by the processor (CPU). Is done.

  Here, the transaction function 202 refers to transactions such as cash payments, deposits, and transfers performed by the ATM 20 in accordance with customer operations. The display function 203 is a function for displaying various guidance and information on the operation screen 2031 and receiving input in order to execute the transaction function 202. The transaction function 202 transmits customer information input by the customer, that is, information such as a personal identification number and transaction amount, to the server 14 and executes transaction processing. The transaction status notification function 201 is a function for notifying the server 14 of a store number, a machine number, transaction start information, and customer information (such as an account number and a password) at the start of ATM 20 transaction.

  As illustrated in FIG. 14, the tablet 24 includes a tablet registration information notification function 2401 as the registration function 240, and includes a tablet information notification function 2401, a content display function 2412, and a customer attribute button control function 2413 as the operation function 241. . The tablet 24 is, for example, a touch panel, and includes a processor (CPU), a storage device, an input and display, and a wireless communication unit as hardware, and the above functions are realized by a program being executed by the processor (CPU). Is done.

  Here, in order to register the tablet information in the DB 130 of the server 11, the tablet registration function 240 notifies the server 11 of the information of the tablet 24, that is, the ATM shop number and machine number where the tablet 24 is installed, the MAC address of the tablet, and the like. It is a function to do. The ATM store number and machine number are manually acquired from the input device by the administrator, and the MAC address is automatically acquired from the OS (operating system) of the tablet and notified. The tablet information notification function 2401 is a function of transmitting information (store number, machine number, MAC address) for specifying a tablet to the server 11 when the tablet 24 is activated.

  The content display function 2412 is a function for displaying content distributed from the server 11. The customer attribute button control function 2413 displays a customer attribute button when receiving a message from the server 11 that the customer has visited the store (operation start of ATM). When the customer attribute button is pressed, the customer attribute button control function 2413 displays ATM information ( This is a function for notifying an ATM store number or machine number). The customer attribute button is the “notice to customer” button 31 on the initial content screen of FIG. When this button is operated, as shown in (B), a screen including attribute content specific to the customer currently dealing is displayed. When the transaction ends, the display returns to the initial content screen.

  Next, a cash transaction and content distribution processing operation in the financial transaction system will be described with reference to FIG.

  When the ATM 20 is activated at a predetermined time by the manager of the financial institution, the tablet 24 is also turned on and the tablet 24 is activated accordingly (S01). Then, the tablet information notification function 2411 of the tablet 24 notifies the server 11 of ATM information including the store number and the machine number via the router 251 and the Internet 191 (S11).

  The content specifying function 1201 of the server 11 refers to the content management table 60 and acquires the initial content 612 to be distributed to the tablet 24 based on the ATM information (store number 610 and machine number 611) notified from the tablet 24. Then, the content transmission function 1202 refers to the terminal information table 50, acquires the MAC address 512 based on the store number 510 and the machine number 511, and distributes the initial content 612 to the tablet 24 having the MAC address (S21). . The content display function 2412 of the tablet 24 displays an initial content screen (FIG. 3A) distributed from the server 11 (S12).

  When a customer comes to the store and a cash transaction (for example, cash payment) is started at the ATM 20 (S02), the transaction status notification function 201 of the ATM 20 is a customer including an ATM information and an account number including a store number, a machine number, and a transaction start notification. Information is notified to the server 14 (S13).

  When the server 14 receives the ATM information and the customer information, the user attribute notification function 1412 refers to the user information table 90, and the customer such as the name 911, gender 912, date of birth 913, etc. corresponding to the account number. Get information. Further, referring to the attribute conversion table 10, an attribute 1010 (for example, attribute A) is acquired based on the acquired customer information (for example, sex 1011 and date of birth 1012) (S31). Then, the server 11 is notified of the ATM information including the store number and the machine number and the customer attribute (for example, attribute A) (S32).

When the server 11 receives the ATM information and the attribute, the attribute content specifying function 1204 refers to the attribute management table 70 and acquires attribute content information 711 (for example, attribute content A) corresponding to the attribute notified from the server 14. To do. Further, the attribute content information corresponding to the store number and machine number in the content management table 60 is updated based on the ATM information (store number and machine number) notified from the server 14 and the acquired attribute content A (S22). That is, the attribute content information in the content management table 60 is replaced with new attribute content (for example, attribute content A) according to the customer attribute. As a result, preparation for distribution of the attribute content A was completed for the tablet 24 installed in the ATM 20 where the customer started the transaction.

  Then, the customer store notification function 1203 refers to the terminal information table 50, acquires the MAC address 512 of the tablet 24 corresponding to the ATM information (store number and machine number), and sends the customer to the tablet with the acquired MAC address. A store visit notification is transmitted (S23).

  When the tablet 24 receives the customer visit notification from the server 11, the customer attribute button control function 2413 displays a screen including a button (FIG. 3 (A) customer attribute screen display button 31) for displaying content corresponding to the customer attribute. It is displayed (S14). When the customer presses the customer attribute screen display button 31 of the tablet 24 (S03), the customer attribute button control function 2413 detects the press and notifies the server 11 of ATM information including the store number and the machine number (S15). ).

When the server 11 receives the ATM information (store number and machine number) notified from the tablet 24, the content specifying function 1201 refers to the content management table 60 and corresponds to the received store number and machine number, for example, attribute content A Is acquired (S24). Further, the content transmission function 1202 refers to the terminal information table 50, identifies the MAC address corresponding to the store number and the machine number, and transmits the acquired attribute content A to the tablet 24 having the MAC address (S24). ). Although not shown in the flowchart of FIG. 15, every time content is distributed, the server 11 additionally records history such as date / time, store number, machine number, attribute, content information, and the like in the operation history table 80.

When the tablet 24 receives the attribute content A transmitted from the server 11, the content display function 2412 displays a screen including the content A (S16).

During this time, the ATM 20 performs transactions such as cash payment, deposit, and transfer requested by the customer from the operation screen 2031. That is, the transaction function 202 performs processing according to the requested transaction, for example, processing such as cash card acceptance, PIN number input control, payment cash counting, payment release, passbook printing, cash card release, etc. . The customer can see the attribute content A displayed on the tablet 24 between transaction operations.

  When the transaction at the ATM 20 ends (S04), the transaction state notification function 201 notifies the server 14 of ATM information such as a store number, a machine number, and a transaction end notification (S17). When the server 14 receives the transaction end notification from the ATM, the transaction end notification function 1413 transmits the store number, machine number, and transaction end notification to the server 11.

When the server 11 receives the store number, machine number, and transaction end notification, the attribute content setting function 1204 refers to the content management table 60, deletes the attribute content information corresponding to the store number and machine number, and is initialized. Get content information. Further, the content transmission function 1202 refers to the terminal information table 50, acquires the MAC address corresponding to the store number and machine number, and transmits the acquired initial content to the tablet of the MAC address (S25). .

  When the tablet 24 receives the initial content transmitted from the server 11, the content display function 2412 displays a screen including the initial content (S18). This state is the same as S12 described above, and the start of the next transaction at the ATM 20 is awaited.

As described above, according to the present embodiment, along with the start of the cash transaction of the user in the ATM, the attribute content corresponding to the user's attributes (age, gender, etc.) is displayed on the tablet installed in the ATM. be able to. In this case, distribution of attribute content to the tablet and ATM transaction processing are not the same server, but security can be ensured by connecting the server 11 and the server 14 via a firewall to exchange information. . Also, personal information (account number, user name, age, etc.) of users who use ATMs is managed by the server 14, and the server 11 does not wait for personal information and provides attribute contents according to the user's attributes. By doing so, security can be secured.

  In addition, this invention is not limited to the said Example, A various deformation | transformation can be implemented. For example, the various management tables shown in FIGS. 5 to 10 in the above-described embodiment are examples, and are not limited to these formats.

  For example, although the server 14 has the attribute conversion table 10 in the above embodiment, the server 11 may have the attribute conversion table 10 in an alternative example. In this case, it is not preferable to register the user's name and deposit balance in the attribute conversion table 10 from the viewpoint of personal information protection. However, for example, information such as the user's gender, age, family structure, etc. (referred to as secondary information) ) Does not directly identify the user. If the attribute according to the user can be selected based on the secondary information, the secondary information managed by the server 14 is transmitted to the server 11, and the attribute conversion table managed by the server 11 is referred to. It is possible to specify an attribute corresponding to the next information.

  As another example, in the above embodiment, the content is displayed on the tablet installed in the ATM. However, the present invention is not limited to this, and a terminal such as a display installed near or above the ATM in a separate casing from the ATM. You may make it display on.

  Further, the present invention is not limited to ATM, but can be applied to devices capable of dealing with financial products in accordance with user operations, such as lottery vending machines, gift vouchers and coupon vending machines.

11: Server 14: Server 16: Firewall 130, 140: Database 191: Internet 192: Dedicated network 20: ATM 24: Tablet 2031: Operation screen 31: Customer attribute screen display button 50: Terminal information table 60: Content management table 70: Attribute management table 80: Operation history table 90: User information table 10: Attribute conversion table

Claims (5)

A transaction device for performing financial transactions in response to user operations;
An indicator installed corresponding to the transaction device;
A first server connected to the display device via a network and managing content to be provided to the display device;
A financial server having a second server connected to the first server and connected to the transaction apparatus via a network, managing a user's information and performing a financial transaction for the user; A trading system,
The first server manages a relationship between the user attribute and the content;
When the user conducts a financial transaction using the transaction device, the first server has the content corresponding to the attribute of the user related to the user information managed by the second server. And the user is distributed to the display device related to the transaction device with which the transaction is performed,
The display device displays a screen including the distributed content ,
Further, the first server is
Managing initial content not related to the attribute to be displayed on the display and attribute content corresponding to the attribute;
Deliver the initial content before or after the user does not start a transaction on the transaction device,
After the user starts a transaction with the transaction device, the attribute content is distributed,
The display device displays a screen including the delivered initial content or the attribute content,
Furthermore, the screen including the initial content displayed on the display includes a display button for requesting display of the attribute content related to the attribute of the user,
When the display button is pressed by the user, the first server distributes the attribute content according to the attribute of the user,
The financial transaction system , wherein the display unit displays a screen including the distributed attribute content . The first server is
A terminal information table for managing addresses unique to the display unit in association with location information for specifying the location where the transaction apparatus is installed,
A content management table for managing the initial content and the attribute content in association with the location information;
An attribute management table that manages the attribute content in association with the attribute;
The financial transaction system according to claim 1 , wherein the attribute content acquired from the attribute management table is distributed to a display corresponding to the address acquired from the terminal information table. The second server includes a user information table that manages personal information of the user corresponding to a number unique to the user;
An attribute conversion table for managing user attributes related to the user's personal information;
The financial transaction system according to claim 1, wherein when the user operates the transaction apparatus, the attribute conversion table is referred to acquire the attribute according to the user and notify the first server. When the user ends the transaction on the transaction device, the transaction device transmits a transaction end notification to the second server,
Upon receiving the transaction end notification, the second server transmits the transaction end notification to the first server,
Upon receiving the transaction end notification, the first server delivers the initial content managed corresponding to the display to the display,
The indicator, financial transaction system according to any one of claims 1 to 3 displays a screen including the delivered initial content. A transaction device for performing financial transactions in response to user operations;
An indicator installed corresponding to the transaction device;
A first server connected to the display device via a network and managing content to be provided to the display device;
A financial server having a second server connected to the first server and connected to the transaction apparatus via a network, managing a user's information and performing a financial transaction for the user; A content distribution method in a transaction system,
The first server manages a relationship between the user attribute and the content;
When the user conducts a financial transaction using the transaction device, the first server has the content corresponding to the attribute of the user related to the user information managed by the second server. And the user is distributed to the display device related to the transaction device with which the transaction is performed,
The display device displays a screen including the distributed content ,
Furthermore, the first server is
Managing initial content not related to the attribute to be displayed on the display and attribute content corresponding to the attribute;
Deliver the initial content before or after the user does not start a transaction on the transaction device,
After the user starts a transaction with the transaction device, the attribute content is distributed,
The display device displays a screen including the delivered initial content or the attribute content,
Furthermore, the screen including the initial content displayed on the display includes a display button for requesting display of the attribute content related to the attribute of the user,
When the display button is pressed by the user, the first server distributes the attribute content according to the attribute of the user,
The content distribution method , wherein the display unit displays a screen including the distributed attribute content.

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