JP7044591B2 - Information processing equipment, information processing methods and information processing programs - Google Patents

Description

The present invention relates to an information processing apparatus, an information processing method and an information processing program.

When using an ATM (Automated Teller Machine), for example, an advertisement is displayed during a waiting time for transaction processing of deposits and withdrawals. In addition, it has been proposed to execute a service corresponding to browsing history information acquired from a mobile terminal by communicating with a customer's mobile terminal by close radio. Further, it has been proposed to provide advertising information based on the content of a beacon signal including location information received by an ATM user's smartphone.

Japanese Unexamined Patent Publication No. 2009-08543 Japanese Unexamined Patent Publication No. 2017-151781

However, if the server that provides information has detailed customer information, it is difficult to place the server in an open environment such as the cloud. On the other hand, when the server is placed in an open environment, it is difficult to provide information based on the detailed information of the customer. Therefore, it is difficult to provide information according to the usage status of the ATM to the information processing terminal owned by the customer.

One aspect is to provide an information processing device, an information processing method, and an information processing program capable of providing information according to the usage status of an ATM to an information processing terminal.

In one embodiment, the information processing apparatus has an acquisition unit, a determination unit, and a transmission control unit. The acquisition unit acquires transaction information updated according to the transaction status in the transaction device from the transaction device. When the determination unit receives the identification information corresponding to the transaction device from the information processing terminal, the determination unit determines the information to be transmitted to the information processing terminal according to the latest update state of the transaction information. The transmission control unit transmits the determined information to the information processing terminal.

Information according to the usage status of the ATM can be provided to the information processing terminal.

FIG. 1 is a block diagram showing an example of the configuration of the provision system of the embodiment. FIG. 2 is a block diagram showing an example of the configuration of the providing server of the embodiment. FIG. 3 is a diagram showing an example of a marketing information DB. FIG. 4 is a diagram showing an example of a content management table. FIG. 5 is a diagram showing an example of an NFC management table. FIG. 6 is a diagram showing an example of the provided information management table. FIG. 7 is a diagram showing an example of the relationship between the marketing information label and various types of information. FIG. 8 is a diagram showing an example of a screen of a terminal corresponding to a screen of a trading device. FIG. 9 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. FIG. 10 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. FIG. 11 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. FIG. 12 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. FIG. 13 is a sequence diagram showing an example of the first information providing process of the embodiment. FIG. 14 is a sequence diagram showing an example of the second information providing process of the embodiment. FIG. 15 is a sequence diagram showing an example of the third information providing process of the embodiment. FIG. 16 is a sequence diagram showing an example of the fourth information providing process of the embodiment. FIG. 17 is a diagram showing an example of a computer that executes an information processing program.

Hereinafter, examples of the information processing apparatus, information processing method, and information processing program disclosed in the present application will be described in detail with reference to the drawings. The disclosed technology is not limited by the present embodiment. In addition, the following examples may be appropriately combined as long as they do not contradict each other.

FIG. 1 is a block diagram showing an example of the configuration of the provision system of the embodiment. The providing system 1 shown in FIG. 1 includes a transaction device 10, an NFC (Near Field Communication) tag 20, a host computer 30, a terminal 40, a relay server 50, and a providing server 100. The number of trading devices 10 and terminals 40 is not limited in the providing system 1, and any number of trading devices 10 and terminals 40 may be provided. The trading device 10 and the host computer 30 are connected to each other so as to be communicable with each other. Further, the transaction device 10 and the providing server 100 are connected to each other so as to be communicable with each other via the relay server 50. Further, the terminal 40 and the providing server 100 are connected to each other so as to be communicable with each other via the network N. Further, the providing server 100 provides information on various marketing based on customer information such as customer information files (CIF: Customers' Information Files) managed by the host computer 30, and information for associating these information with the contents, for example. Obtained in advance from the host computer 30 using a recording medium or the like.

As the network N, any kind of communication network such as LAN (Local Area Network) and VPN (Virtual Private Network) can be adopted as well as the Internet regardless of whether it is wired or wireless. Further, each communication between the terminal 40 and the providing server 100 via the network N may be encrypted by, for example, TLS (Transport Layer Security) / SSL (Secure Sockets Layer) or the like.

The provision system 1 is an example of a system in which the provision server 100 provides the customer who uses the transaction device 10 with information on marketing according to the operation of the transaction device 10 to the terminal 40 possessed by the customer.

The transaction device 10 is an ATM, and is installed in, for example, a store of a financial institution, a convenience store (hereinafter, also referred to as a convenience store), or the like. In the trading device 10, for example, a customer of a financial institution can receive various financial services such as deposits and withdrawals and transfers. The NFC tag 20 is, for example, a non-contact type IC (Integrated Circuit) card based on a standard (ISO / IEC 18092) called NFC. The NFC tag 20 may be based on another standard such as ISO / IEC 14443. The NFC tag 20 is installed near the touch panel of the trading device 10, for example. The NFC tag 20 may use, for example, a QR code (registered trademark), a Bluetooth (registered trademark) beacon oscillator, or the like instead of the NFC. The host computer 30 is, for example, a mainframe in a core banking system of a financial institution. The host computer 30 manages, for example, a customer information file including customer account information and personal information.

The terminal 40 is an information processing terminal owned by the customer. As the terminal 40, for example, a smartphone can be used. The terminal 40 has a non-contact type IC tag reader capable of reading the NFC tag 20. For example, the terminal 40 reads the NFC tag 20 to obtain an identifier that identifies the NFC tag 20 (hereinafter referred to as an NFCID (Identifier)) and a URL (Uniform Resource Locator) of a Web service provided by the providing server 100. get. The terminal 40 can receive and display the content from the providing server 100 by accessing the Web service of the URL using a browser and transmitting the NFCID. The URL read from the NFC tag 20 may include the NFCID.

The relay server 50 is a server that relays the connection between the transaction device 10 and the providing server 100. It is not preferable that the transaction device 10 is directly connected to the providing server 100 that is connected to the Internet in order to ensure security. Therefore, in the connection between the transaction device 10 and the providing server 100, the network is separated by exchanging information via the relay server 50. When the providing server 100 is in a closed environment, the relay server 50 can be omitted by providing a gateway with the network N.

The provision server 100 is an example of an information processing device that provides content to a customer's terminal 40 that uses the transaction device 10 according to the state of the transaction device 10. The providing server 100 acquires transaction information updated according to the transaction status in the transaction device 10 from the transaction device 10. When the providing server 100 receives the identification information corresponding to the transaction device 10 from the terminal 40 which is an information processing terminal, the providing server 100 determines the information to be transmitted to the terminal 40 according to the latest update state of the transaction information. The providing server 100 transmits the determined information to the terminal 40. As a result, the providing server 100 can provide the transaction device 10, that is, the information according to the usage status of the ATM to the terminal 40 which is an information processing terminal.

Next, the configuration of the providing server 100 will be described. FIG. 2 is a block diagram showing an example of the configuration of the providing server of the embodiment. As shown in FIG. 2, the providing server 100 includes a communication unit 110, a storage unit 120, and a control unit 130. In addition to the functional units shown in FIG. 2, the providing server 100 may have various functional units of known computers, such as various input devices and voice output devices.

The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 110 is a communication interface that is connected to the relay server 50 by wire or wirelessly and controls information communication with the transaction device 10 via the relay server 50. Further, the communication unit 110 is a communication interface that is connected to the terminal 40 by wire or wirelessly via the network N and controls information communication with the terminal 40. The communication unit 110 outputs the marketing information and ATMID received from the transaction device 10 or the marketing information ID and ATMID to the control unit 130. The communication unit 110 outputs the NFCID received from the terminal 40 to the control unit 130. Further, the communication unit 110 transmits the marketing information ID input from the control unit 130 to the transaction device 10. The communication unit 110 transmits the content input from the control unit 130 to the terminal 40.

The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. The storage unit 120 includes a marketing information database (hereinafter, also referred to as DB) 121, a content management table 122, a content storage unit 123, an NFC management table 124, a provision information management table 125, and a log storage unit 126. Have. Further, the storage unit 120 stores information used for processing in the control unit 130.

The marketing information DB 121 stores marketing information such as customer attributes and external conditions such as date and time and installation location in association with the marketing information ID. FIG. 3 is a diagram showing an example of a marketing information DB. As shown in FIG. 3, the marketing information DB 121 has items such as "marketing information ID", "marketing information", and "external condition". The "marketing information" further includes items such as "customer attribute", "transaction type", and "ATM status". The "external condition" further includes items such as "date", "time", "address of installation location", and "attribute of installation location".

The "marketing information ID" is an identifier that identifies marketing information. The "customer attribute" is information indicating the age group, gender, occupation, etc. of the customer. The "transaction type" is information indicating the transaction type in the transaction device 10 and whether the transaction is a transaction of the own bank or another bank. The "ATM state" is information indicating whether the transaction device 10 is in operation or inactive. The "date" is information representing a range corresponding to a season, for example, from March to May. The "date" may be specified in units of days, or may be in the range of the period of the campaign being held at the store. The "time" is information representing a range corresponding to a time zone, for example, from 18:00 to 22:00. The "time" may be classified into, for example, the response time of the counter and other times, or may be a time zone according to the ATM fee. The "address of the installation place" is information indicating the address of the place where the transaction device 10 is installed. The “installation location attribute” is information indicating the attribute of the location where the transaction device 10 is installed, for example, whether it is installed at a bank branch office or a convenience store. Further, as the attribute of the place where the transaction device 10 is installed, other attributes such as a downtown area, an office area, a sightseeing spot, a station yard, and a shopping center may be used.

Returning to the description of FIG. 2, the content management table 122 stores the marketing information ID and the content name in association with each other. FIG. 4 is a diagram showing an example of a content management table. As shown in FIG. 4, the content management table 122 has items such as “marketing information ID” and “content name”.

The "marketing information ID" is an identifier that identifies marketing information. The "content name" is information indicating the name of the content such as a mortgage. Further, the "content name" is associated with the data of the content stored in the content storage unit 123.

Returning to the description of FIG. 2, the content storage unit 123 stores various contents. The content storage unit 123 stores, for example, content related to a mortgage, a car loan, and an investment trust. Each content can be displayed on the terminal 40 as, for example, a Web page.

The NFC management table 124 stores the ATMID and the NFCID in association with each other. FIG. 5 is a diagram showing an example of an NFC management table. As shown in FIG. 5, the NFC management table 124 has items such as “ATMID” and “NFCID”.

"ATMID" is an identifier that identifies the transaction device 10. "NFCID" is an identifier that identifies the NFC tag 20. The NFC management table 124 is a table for managing which NFC tag 20 is installed in the trading device 10.

Returning to the description of FIG. 2, the provided information management table 125 stores which marketing information currently corresponds to each transaction device 10. FIG. 6 is a diagram showing an example of the provided information management table. As shown in FIG. 6, the provided information management table 125 has items such as "ATMID" and "marketing information ID".

"ATMID" is an identifier that identifies the transaction device 10. The "marketing information ID" is an identifier that identifies marketing information. The "marketing information ID" is updated according to the transaction status of the transaction device 10. That is, the provision information management table 125 stores what kind of content is provided to the customer who is using the transaction device 10.

Returning to the description of FIG. 2, the log storage unit 126 stores as a log what kind of content is provided when each transaction is performed in each transaction device 10. Further, the log storage unit 126 stores a communication log with the transaction device 10. Various logs stored in the log storage unit 126 can be provided to a financial institution or the like as data on the usage status of the contents provided to the transaction device 10 and the terminal 40.

The control unit 130 is realized by, for example, using a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like to execute a program stored in an internal storage device using the RAM as a work area. Further, the control unit 130 may be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 130 has an acquisition unit 131, a determination unit 132, and a transmission control unit 133, and realizes or executes the functions and operations of information processing described below. The internal configuration of the control unit 130 is not limited to the configuration shown in FIG. 2, and may be any other configuration as long as it is configured to perform information processing described later.

The acquisition unit 131 receives and acquires marketing information and ATMID, or marketing information ID and ATMID from the transaction device 10 via the relay server 50 and the communication unit 110. When the acquisition unit 131 acquires the marketing information and the ATMID, the acquisition unit 131 refers to the marketing information DB 121, and based on the acquired marketing information, for example, obtains the marketing information ID having the highest degree of matching of each item of the marketing information and the external conditions. Identify. The acquisition unit 131 outputs the specified marketing information ID and ATM ID to the determination unit 132. Further, the acquisition unit 131 transmits the specified marketing information ID to the transaction device 10 via the communication unit 110 and the relay server 50.

When the acquisition unit 131 acquires the marketing information ID and the ATM ID, the acquisition unit 131 outputs the acquired marketing information ID and the ATM ID to the determination unit 132. Further, the acquisition unit 131 receives and acquires the NFCID from the terminal 40 via the network N and the communication unit 110. The acquisition unit 131 outputs the acquired NFCID to the determination unit 132.

Here, the marketing information transmitted from the transaction device 10 to the providing server 100 will be described. In this embodiment, for example, marketing information is classified according to the state of a transaction, and a marketing information label is attached to each. The marketing information label is classified into five categories, for example, "initial value", "transaction type", "host setting", "ATM setting", and "pause guidance". In this embodiment, for convenience of explanation, there is a part described using the marketing information label, but the marketing information label may not be used. For example, when the terminal 40 is touched on the NFC tag 20, the identification information (corresponding to the marketing information of FIG. 7 described later) based on the information that can be referred to by the transaction device 10 (corresponding to the reference information of FIG. 7 described later). .) May be sent to the providing server 100. For example, when the identification information when the terminal 40 is touched on the NFC tag 20 is set to "host setting", the identification information including "customer attribute (host judgment)", "transaction type", and "ATM state" is included. It is transmitted from the transaction device 10 to the providing server 100. Further, the providing server 100 may add external conditions such as seasons, time zones, installation locations, and other information to the received identification information.

FIG. 7 is a diagram showing an example of the relationship between the marketing information label and various types of information. Table 55 shown in FIG. 7 is a table showing the relationship between the marketing information label and various types of information. In Table 55, the "marketing information label" is associated with "reference information", "information stored in the marketing information", and "information transmitted from the transaction device to the providing server".

The “reference information” indicates a reference destination of information stored in the marketing information in the transaction device 10. The "information stored in the marketing information" indicates the information stored in the marketing information when the marketing information and the ATMID are transmitted from the transaction device 10 to the providing server 100. "Information transmitted from the trading device to the providing server" indicates information transmitted from the trading device 10 to the providing server 100.

When the marketing information label is "initial value", since the reference information is "none", the transaction device 10 stores the "initial value" in the marketing information and transmits it to the providing server 100 together with the ATM ID. The "initial value" stored in the marketing information may be any information indicating the initial state, such as the default information of the marketing information ID "P999".

When the marketing information label is "transaction type", the transaction device 10 stores the transaction type such as deposit, withdrawal, and transfer as "transaction information" in the marketing information because the reference information is "transaction information". It is transmitted to the providing server 100 together with the ATM ID. The marketing information label "transaction type" assumes a state in which the deposit button, withdrawal button, or the like on the screen is pressed without inserting a card or passbook in the transaction device 10.

When the marketing information label is "host setting", the transaction device 10 refers to the reference information because the reference information is "transaction information", "attribute information acquired from the host", and "ATM state". Based on the transaction message, the transaction device 10 stores transaction types such as deposits, withdrawals, and transfers, and information indicating whether the transaction is a transaction of one's own bank or another bank as "transaction information" in marketing information. Further, the transaction device 10 stores the customer attribute corresponding to the attribute information acquired from the host in the marketing information as "attribute information". The attribute information acquired from the host may include, for example, campaign information for customers with that attribute. If the customer is a customer of another bank, the campaign information for the other bank may be included. The campaign information is an example of the recommendation information, and may be other recommendation information instead of the campaign information.

Further, the transaction device 10 stores "in operation" as "ATM state" in the marketing information as information on whether the transaction device 10 is operating or inactive. The transaction device 10 transmits marketing information together with the ATM ID to the providing server 100. The marketing information label "host setting" assumes that the transaction device 10 uses the attribute information acquired from the host computer 30 with the card or passbook inserted.

Further, the transaction device 10 may have a database similar to the marketing information DB 121 of the providing server 100, and specify the marketing information ID on the transaction device 10 side based on the marketing information. In this case, the transaction device 10 transmits the specified marketing information ID together with the ATM ID to the providing server 100.

When the marketing information label is "ATM setting", the transaction device 10 has reference information of "transaction information", "attribute information based on an image captured at an ATM", "attribute information acquired from a host", and "ATM state". , So refer to these. The marketing information label "ATM setting" determines the customer attribute by further using the attribute information based on the image captured by the trading device 10 as compared with the case of the "host setting", and determines the determined customer attribute. Store as "attribute information" in marketing information. Since other information is the same as in the case of "host setting", the description thereof will be omitted.

When the marketing information label is "pause guidance", the transaction device 10 stores "pause" in the marketing information as "ATM state" as information on whether the transaction device 10 is operating or hibernating. , Attend to the provider server 100 together with the ATM ID. The marketing information label "pause guidance" assumes a state in which the trading device 10 cannot be traded, for example, a failure or a non-business hours.

In other words, the acquisition unit 131 acquires transaction information updated according to the transaction status in the transaction device 10 from the transaction device 10. Further, the transaction information is one or more of the transaction message received by the transaction device 10, the card or passbook information received by the transaction device 10, and the customer attribute information based on the image captured by the transaction device 10. Includes information about. Here, the transaction information may include a date (season), a time (time zone), an address and an attribute of a place where the transaction device 10 is installed, and the like, which are mentioned as external conditions. Further, when the transaction message is received from the host computer 30 of the bank and the information about the customer is stored in the host computer 30, the transaction message includes the attribute information of the customer and the campaign information according to the attribute information. , If the information about the customer is not stored on the host computer, the transaction message will include campaign information for other banks.

Returning to the description of FIG. 2, when the marketing information ID and the ATM ID are input from the acquisition unit 131, the determination unit 132 associates the marketing information ID with the ATM ID and stores it in the provision information management table 125. When the marketing information ID is an ID corresponding to the marketing information label "initial value", the determination unit 132 stores the log related to the marketing information ID and the ATM ID in the log storage unit 126.

When the NFCID is input from the acquisition unit 131, the determination unit 132 refers to the NFC management table 124 and identifies the ATM ID corresponding to the input NFCID. When the determination unit 132 specifies the ATM ID, it refers to the provided information management table 125 and specifies the marketing information ID. The determination unit 132 outputs the specified marketing information ID to the transmission control unit 133.

In other words, when the determination unit 132 receives the identification information corresponding to the transaction device 10 from the terminal 40, the determination unit 132 determines the information to be transmitted to the terminal 40 according to the latest update state of the transaction information. Here, the identification information corresponding to the transaction device 10 is the identification information of the NFC tag 20 installed in the transaction device 10, that is, the NFCID. Further, the determination unit 132 responds to each state when the transaction state of the transaction device 10 is before the insertion of the card or the passbook, during the processing of the transaction, after the end of the transaction, and when the transaction is suspended. To determine the information to be transmitted to the terminal 40. Further, when the determination unit 132 receives the identification information (NFCID) acquired by reading the NFC tag 20 by the terminal 40 from the terminal 40, the determination unit 132 transmits the identification information (NFCID) to the terminal 40 according to the latest update state of the transaction information. Determine the information to be done.

When the marketing information ID is input from the determination unit 132, the transmission control unit 133 refers to the content management table 122 and acquires the content name corresponding to the marketing information ID. The transmission control unit 133 refers to the content storage unit 123 and acquires the content corresponding to the acquired content name. The transmission control unit 133 transmits the acquired content to the terminal 40, which is the transmission source of the NFCID, via the communication unit 110 and the network N. That is, the transmission control unit 133 transmits the determined information to the terminal 40. When the transmission control unit 133 transmits the content to the terminal 40, the transmission control unit 133 stores the log related to the transmission of the content in the log storage unit 126.

Here, an example of the screen of the terminal 40 corresponding to the screen of the transaction device 10 will be described with reference to FIGS. 8 to 12.

FIG. 8 is a diagram showing an example of a screen of a terminal corresponding to a screen of a trading device. The screen 60 shown in FIG. 8 is an example of a screen displayed on the trading device 10. On the screen 60, for example, the life insurance account payer is proposed to review the life insurance when a plurality of premiums are deducted from the account. At this time, when the customer who is operating the transaction device 10 reads the NFC tag 20 installed in the transaction device 10 on the terminal 40, the screen 61 is displayed on the terminal 40. Information such as contact information is displayed on the screen 61 regarding the review of life insurance, and inquiries can be made from the screen 61 by e-mail or telephone, for example.

FIG. 9 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. The screen 62 shown in FIG. 9 is an example of a screen displayed on the trading device 10. On the screen 62, for example, a campaign for opening an account of the bank is proposed to a card user of another bank. At this time, when the customer who is operating the transaction device 10 reads the NFC tag 20 installed in the transaction device 10 on the terminal 40, the screen 63 is displayed on the terminal 40. Information such as inquiries regarding the account opening campaign is displayed on the screen 63, and inquiries can be made from the screen 63 by e-mail or telephone, for example. In this case, you may be able to apply for opening an account directly from the screen 63.

FIG. 10 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. The screen 64 shown in FIG. 10 is an example of a screen displayed on the trading device 10. On the screen 64, for example, tourist information and special product information are provided in English to users of cards issued overseas. At this time, when the customer who is operating the transaction device 10 reads the NFC tag 20 installed in the transaction device 10 on the terminal 40, the screen 65 is displayed on the terminal 40. For example, tourist information in the vicinity, coupons for stores, and the like are displayed on the screen 65, and inquiries can be made from the screen 65 by e-mail or telephone, for example.

FIG. 11 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. The screen 66 shown in FIG. 11 is an example of a screen displayed on the trading device 10. On the screen 66, for example, information on seasonal campaign information is provided. At this time, when the customer who is operating the transaction device 10 reads the NFC tag 20 installed in the transaction device 10 on the terminal 40, the screen 67 is displayed on the terminal 40. On the screen 67, for example, information such as inquiries regarding a campaign related to investment trusts is displayed, and for example, inquiries can be made from the screen 67 by e-mail or telephone.

FIG. 12 is a diagram showing another example of the screen of the transaction device and the screen of the corresponding terminal. The screen 68 shown in FIG. 12 is an example of a screen displayed on the trading device 10. On the screen 68, for example, when an ATM fee is charged by using the transaction device 10 at night or on a holiday, it is proposed that the ATM fee will be free by stage-up with transaction points. The stage based on transaction points represents, for example, the stage of benefits according to the number of points in a system in which benefits can be received by accumulating points according to the deposit balance, salary transfer, and the like. At this time, when the customer who is operating the transaction device 10 reads the NFC tag 20 installed in the transaction device 10 on the terminal 40, the screen 69 is displayed on the terminal 40. For example, detailed information about the stage, contact information, and the like are displayed on the screen 69, and inquiries can be made from the screen 69 by e-mail or telephone, for example.

Subsequently, the operation of the provision system 1 of the embodiment will be described. First, the first information provision process when the customer presses the transaction button before inserting the card or passbook into the transaction device 10 and the NFC tag 20 is read by the terminal 40 will be described. FIG. 13 is a sequence diagram showing an example of the first information providing process of the embodiment.

By the operation of the customer who uses the transaction device 10, the transaction device 10 accepts the transaction type (step S1). When the transaction device 10 receives the transaction type, it transmits the marketing information corresponding to the marketing information label "transaction type" and the ATMID of the transaction device 10 to the providing server 100 (step S2). In this case, the marketing information stores transaction information according to the transaction type (deposit, withdrawal, transfer, etc.).

The acquisition unit 131 of the providing server 100 receives and acquires marketing information and ATMID from the transaction device 10. The acquisition unit 131 refers to the marketing information DB 121 and identifies the marketing information ID based on the marketing information (step S3). The acquisition unit 131 outputs the specified marketing information ID and ATM ID to the determination unit 132.

When the marketing information ID and the ATM ID are input from the acquisition unit 131, the determination unit 132 associates the marketing information ID with the ATM ID and stores it in the provision information management table 125 (step S4). Further, the acquisition unit 131 transmits the specified marketing information ID to the transaction device 10 (step S5).

When the transaction device 10 receives the marketing information ID from the providing server 100, the transaction device 10 refers to the storage unit in which the marketing information ID and the screen of the content are associated and stored, and displays the screen corresponding to the marketing information ID (step S6). ).

The customer who sees the screen displayed on the transaction device 10 brings the terminal 40 closer to the NFC tag 20 installed on the transaction device 10 in response to the guidance on the screen of the transaction device 10. The terminal 40 acquires the NFCID and the URL of the Web service provided by the providing server 100 from the NFC tag 20. The terminal 40 accesses the Web service of the URL using a browser, and transmits the NFCID read to the providing server 100 (step S7).

The acquisition unit 131 of the providing server 100 receives and acquires the NFCID from the terminal 40. The acquisition unit 131 outputs the acquired NFCID to the determination unit 132. When the NFCID is input from the acquisition unit 131, the determination unit 132 refers to the NFC management table 124 and identifies the ATMID corresponding to the input NFCID (step S8).

When the determination unit 132 specifies the ATM ID, it refers to the provided information management table 125 and specifies the marketing information ID (step S9). The determination unit 132 outputs the specified marketing information ID to the transmission control unit 133.

When the marketing information ID is input from the determination unit 132, the transmission control unit 133 refers to the content management table 122 and acquires the content name corresponding to the marketing information ID. The transmission control unit 133 refers to the content storage unit 123 and acquires the content corresponding to the acquired content name. The transmission control unit 133 transmits the acquired content to the terminal 40 that is the transmission source of the NFCID (step S10).

The terminal 40 receives the content from the providing server 100. The terminal 40 displays the received content (step S11). On the other hand, when the transmission control unit 133 of the providing server 100 transmits the content to the terminal 40, the log storage unit 126 stores the log related to the transmission of the content (step S12). As a result, the providing server 100 can provide the terminal 40 with information according to the usage status of the transaction device 10 (ATM). For example, if the transaction type is a transfer, the providing server 100 can provide the terminal 40 with campaign information regarding the transfer.

Next, a second information provision process when the NFC tag 20 is read by the terminal 40 after the customer inserts a card or a passbook into the transaction device 10 will be described. FIG. 14 is a sequence diagram showing an example of the second information providing process of the embodiment. In the second information provision process, it is assumed that the transaction device 10 has the same marketing information DB as the marketing information DB 121 of the providing server 100, and the marketing information ID can be specified.

By the operation of the customer who uses the transaction device 10, the transaction device 10 accepts the card and various inputs (step S21). The transaction device 10 transmits a transaction request message corresponding to the received input to the host computer 30 (step S22). The transaction device 10 receives a transaction response message, attribute information, and campaign information from the host computer 30 (step S23).

The transaction device 10 acquires a customer's captured image using an imaging device (not shown) and generates attribute information based on the acquired captured image (step S24). The attribute information to be generated is, for example, information obtained by determining age, gender, etc. by image analysis. The transaction device 10 refers to a marketing information DB (not shown) and specifies a marketing information ID based on a transaction response message, each attribute information, and an ATM state (step S25). The transaction device 10 transmits the specified marketing information ID and ATM ID to the providing server 100 (step S26). Further, the transaction device 10 displays a screen corresponding to the specified marketing information ID (step S27).

The acquisition unit 131 of the providing server 100 receives and acquires the marketing information ID and the ATM ID from the transaction device 10. The acquisition unit 131 outputs the acquired marketing information ID and ATM ID to the determination unit 132. When the marketing information ID and the ATM ID are input from the acquisition unit 131, the determination unit 132 associates the marketing information ID with the ATM ID and stores it in the provision information management table 125 (step S28).

The customer who sees the screen displayed on the transaction device 10 brings the terminal 40 closer to the NFC tag 20 installed on the transaction device 10 in response to the guidance on the screen of the transaction device 10. The terminal 40 acquires the NFCID and the URL of the Web service provided by the providing server 100 from the NFC tag 20. The terminal 40 accesses the Web service of the URL using a browser, and transmits the NFCID read to the providing server 100 (step S29).

The acquisition unit 131 of the providing server 100 receives and acquires the NFCID from the terminal 40. The acquisition unit 131 outputs the acquired NFCID to the determination unit 132. When the NFCID is input from the acquisition unit 131, the determination unit 132 refers to the NFC management table 124 and identifies the ATMID corresponding to the input NFCID (step S30).

When the determination unit 132 specifies the ATM ID, it refers to the provided information management table 125 and specifies the marketing information ID (step S31). The determination unit 132 outputs the specified marketing information ID to the transmission control unit 133.

When the marketing information ID is input from the determination unit 132, the transmission control unit 133 refers to the content management table 122 and acquires the content name corresponding to the marketing information ID. The transmission control unit 133 refers to the content storage unit 123 and acquires the content corresponding to the acquired content name. The transmission control unit 133 transmits the acquired content to the terminal 40 that is the transmission source of the NFCID (step S32).

The terminal 40 receives the content from the providing server 100. The terminal 40 displays the received content (step S33). On the other hand, when the transmission control unit 133 of the providing server 100 transmits the content to the terminal 40, the log storage unit 126 stores the log related to the transmission of the content (step S34).

After that, the transaction device 10 releases a medium such as a card, a passbook, and cash to end the transaction (step S35). When the transaction device 10 ends the transaction, the transaction device 10 transmits the marketing information corresponding to the marketing information label "initial value" and the ATM ID of the transaction device 10 to the providing server 100 (step S36). In this case, the initial value is stored in the marketing information.

The acquisition unit 131 of the providing server 100 receives and acquires marketing information and ATMID from the transaction device 10. The acquisition unit 131 refers to the marketing information DB 121 and identifies the marketing information ID based on the marketing information (step S37). The acquisition unit 131 outputs the specified marketing information ID and ATM ID to the determination unit 132.

When the marketing information ID and the ATM ID are input from the acquisition unit 131, the determination unit 132 associates the marketing information ID with the ATM ID and stores it in the provision information management table 125 (step S38). In this case, the determination unit 132 stores, for example, a log relating to the marketing information ID and the ATM ID corresponding to the marketing information label “initial value” in the log storage unit 126 (step S39). As a result, the providing server 100 can provide the terminal 40 with information according to the usage status of the transaction device 10 (ATM). For example, the providing server 100 can provide the terminal 40 with campaign information regarding the review of life insurance.

Next, a third information provision process when the NFC tag 20 is read by the terminal 40 after the customer inserts a card or a passbook into the transaction device 10 will be described. FIG. 15 is a sequence diagram showing an example of the third information providing process of the embodiment. In the third information provision process, the marketing information ID is specified by the provision server 100.

By the operation of the customer who uses the transaction device 10, the transaction device 10 accepts the card and various inputs (step S41). The transaction device 10 transmits a transaction request message corresponding to the received input to the host computer 30 (step S42). The transaction device 10 receives a transaction response message, attribute information, and campaign information from the host computer 30 (step S43).

The transaction device 10 generates marketing information based on the transaction response message, the attribute information, and the ATM state (step S44). The transaction device 10 transmits the generated marketing information and the ATMID to the providing server 100 (step S45).

The acquisition unit 131 of the providing server 100 receives and acquires marketing information and ATMID from the transaction device 10. The acquisition unit 131 refers to the marketing information DB 121 and identifies the marketing information ID based on the marketing information (step S46). The acquisition unit 131 outputs the specified marketing information ID and ATM ID to the determination unit 132.

When the marketing information ID and the ATM ID are input from the acquisition unit 131, the determination unit 132 associates the marketing information ID with the ATM ID and stores it in the provision information management table 125 (step S47). Further, the acquisition unit 131 transmits the specified marketing information ID to the transaction device 10 (step S48).

When the transaction device 10 receives the marketing information ID from the providing server 100, the transaction device 10 refers to the storage unit in which the marketing information ID and the screen of the content are associated and stored, and displays the screen corresponding to the marketing information ID (step S49). ).

After that, the process from step S50 to S60 after the customer who sees the screen displayed on the transaction device 10 brings the terminal 40 closer to the NFC tag 20 installed on the transaction device 10 is the second information provision shown in FIG. Since it is the same as the processing steps S29 to S39, the description thereof will be omitted. In the third information providing process, similarly to the second information providing process, information according to the usage status of the transaction device 10 (ATM) can be provided to the terminal 40.

Next, a fourth information provision process when the transaction device 10 is in the open or hibernated state will be described. FIG. 16 is a sequence diagram showing an example of the fourth information providing process of the embodiment.

The transaction device 10 is opened or put into hibernation by an instruction from the host computer 30 or an operation of a branch office employee (step S71). The transaction device 10 transmits marketing information corresponding to the marketing information label “initial value” or “pause guidance” and the ATMID of the transaction device 10 to the providing server 100 (step S72). In this case, the initial value or the ATM state is stored in the marketing information.

The acquisition unit 131 of the providing server 100 receives and acquires marketing information and ATMID from the transaction device 10. The acquisition unit 131 refers to the marketing information DB 121 and identifies the marketing information ID based on the marketing information (step S73). The acquisition unit 131 outputs the specified marketing information ID and ATM ID to the determination unit 132.

When the marketing information ID and the ATM ID are input from the acquisition unit 131, the determination unit 132 associates the marketing information ID with the ATM ID and stores it in the provision information management table 125 (step S74).

At this time, the transaction device 10 displays a screen indicating that it is on standby if it is open, and a screen that indicates that it is in hibernation if it is in hibernation. In this state, it is assumed that the customer brings the terminal 40 closer to the NFC tag 20 installed in the trading device 10. The terminal 40 acquires the NFCID and the URL of the Web service provided by the providing server 100 from the NFC tag 20. The terminal 40 accesses the Web service of the URL using a browser, and transmits the NFCID read to the providing server 100 (step S75).

After that, the processes from step S76 to S80 after the acquisition unit 131 of the providing server 100 receives and acquires the NFCID from the terminal 40 are the same as steps S8 to S12 of the first information providing process shown in FIG. Therefore, the description thereof will be omitted. In the fourth information provision process, information according to the usage status of the transaction device 10 (ATM) can be provided to the terminal 40. For example, the providing server 100 can provide seasonal campaign information to the terminal 40 if the trading device 10 is in the open state. Further, for example, if the transaction device 10 is in the hibernation state, the providing server 100 can provide the terminal 40 with a place such as a store or a convenience store where a nearby operating transaction device 10 is installed.

In this way, the providing server 100 acquires the transaction information updated according to the transaction state in the transaction device 10 from the transaction device 10. Further, when the providing server 100 receives the identification information corresponding to the transaction device 10 from the terminal 40, the providing server 100 determines the information to be transmitted to the terminal 40 according to the latest update state of the transaction information. Further, the providing server 100 transmits the determined information to the terminal 40. As a result, the providing server 100 can provide the terminal 40 with information according to the usage status of the transaction device 10 (ATM). That is, the providing server 100 can provide the terminal 40 with the content according to the timing when the customer reads the NFC tag 20.

Further, the providing server 100 responds to each state when the transaction state of the transaction device 10 is before the insertion of the card or the passbook, during the processing of the transaction, after the end of the transaction, and when the transaction is suspended. To determine the information to be transmitted to the terminal 40. As a result, the providing server 100 can provide the terminal 40 with information according to the processing status in the transaction device 10.

Further, the transaction information includes one or more of the transaction message received by the transaction device 10, the card or passbook information received by the transaction device, and the customer attribute information based on the image captured by the transaction device 10. Contains information. As a result, the providing server 100 can provide the terminal 40 with information according to the processing status in the transaction device 10 and the attributes of the customer.

Further, when the transaction message is received from the host computer 30 of the bank and the information about the customer is stored in the host computer 30, the transaction message includes the attribute information of the customer and the campaign information according to the attribute information. If the information about the customer is not stored in the host computer 30, the transaction message includes the campaign information for other banks. As a result, the providing server 100 can distinguish the customer of its own bank from the customer of another bank and provide various information to the terminal 40.

Further, the identification information corresponding to the transaction device 10 is the identification information of the NFC tag 20 installed in the transaction device 10. When the providing server 100 receives the identification information acquired by the NFC tag 20 being read by the terminal 40 from the terminal 40, the providing server 100 determines the information to be transmitted to the terminal 40 according to the latest update state of the transaction information. .. As a result, the providing server 100 can link the screen of the transaction device 10 with the screen of the terminal 40 while minimizing the modification of the transaction device 10.

In the above embodiment, the case where the first to fourth information provision processes are performed independently has been described, but the present invention is not limited to this. For example, the first information providing process and the second information providing process may be continuously performed. In this case, on the screen displayed on the terminal 40, the tab of the browser may be opened to display the corresponding Web page according to the number of times the terminal 40 touches the NFC tag 20.

Further, in the above embodiment, the information to be provided includes, but is not limited to, a review of life insurance, an account opening campaign, tourist information in English, seasonal campaign information, and a stage based on transaction points. For example, based on the attribute information of the host computer 30, if the child is in school, it is possible to provide information that guides the child to the window for consultation on an education loan. Similarly, for example, if the mail does not arrive, it is possible to provide information that guides the customer to the window regarding the change of address. In addition, for example, if the payroll account has been used for many years, it is possible to provide information that guides the user to the window regarding asset management. In addition, based on the transaction information of the trading device 10, information related to sales promotion of investment trusts, receivables, stocks, etc. may be provided according to the deposit balance.

Further, in the above embodiment, the ATM of a financial institution has been described as an example of the transaction device 10, but the present invention is not limited to this. For example, the above-mentioned information provision processes may be applied to various terminals capable of transactions such as POS (Point Of Sales) cash register, self-check-off machine, ticket vending machine, vending machine, and Kiyosk terminal.

Further, each component of each of the illustrated parts does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each part is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / integrated in any unit according to various loads and usage conditions. Can be configured. For example, the determination unit 132 of the providing server 100 and the transmission control unit 133 may be integrated. Further, the illustrated processes are not limited to the above order, and may be performed simultaneously or in a different order as long as the processing contents do not contradict each other.

Further, the various processing functions performed by each device may be executed on the CPU (or a microcomputer such as an MPU or a MCU (Micro Controller Unit)) in whole or in any part thereof. In addition, various processing functions may be executed in whole or in any part on a program analyzed and executed by a CPU (or a microcomputer such as an MPU or MCU) or on hardware by wired logic. Needless to say, it's good.

By the way, various processes described in each of the above embodiments can be realized by executing a program prepared in advance on a computer. Therefore, in the following, an example of a computer that executes a program having the same functions as those of the above embodiments will be described. FIG. 17 is a diagram showing an example of a computer that executes an information processing program.

As shown in FIG. 17, the computer 200 has a CPU 201 that executes various arithmetic processes, an input device 202 that accepts data input, and a monitor 203. Further, the computer 200 includes a medium reading device 204 for reading a program or the like from a storage medium, an interface device 205 for connecting to various devices, and a communication device 206 for connecting to another information processing device or the like by wire or wirelessly. Has. Further, the computer 200 has a RAM 207 for temporarily storing various information and a hard disk device 208. Further, each of the devices 201 to 208 is connected to the bus 209.

The hard disk device 208 stores an information processing program having the same functions as the processing units of the acquisition unit 131, the determination unit 132, and the transmission control unit 133 shown in FIG. Further, the hard disk device 208 stores the marketing information DB 121, the content management table 122, and the content storage unit 123. Further, the hard disk apparatus 208 stores an NFC management table 124, a provided information management table 125, a log storage unit 126, and various data for realizing an information processing program.

The input device 202 receives, for example, input of various information such as operation information from the administrator of the computer 200. The monitor 203 displays various screens such as an output screen to the administrator of the computer 200, for example. For example, a printing device or the like is connected to the interface device 205. For example, the communication device 206 has the same function as the communication unit 110 shown in FIG. 2, is connected to the network N and the relay server 50, and exchanges various information with the terminal 40 and the transaction device 10, respectively.

The CPU 201 performs various processes by reading out each program stored in the hard disk device 208, expanding the program in the RAM 207, and executing the program. Further, these programs can make the computer 200 function as the acquisition unit 131, the determination unit 132, and the transmission control unit 133 shown in FIG.

The above information processing program does not necessarily have to be stored in the hard disk device 208. For example, the computer 200 may read and execute a program stored in a storage medium that can be read by the computer 200. The storage medium that can be read by the computer 200 is, for example, a portable recording medium such as a CD-ROM, a DVD (Digital Versatile Disc), or a USB (Universal Serial Bus) memory, a semiconductor memory such as a flash memory, a hard disk drive, or the like. .. Further, the information processing program may be stored in a device connected to a public line, the Internet, a LAN, or the like, and the computer 200 may read the information processing program from these and execute the information processing program.

1 Providing system 10 Trading equipment 20 NFC tag 30 Host computer 40 Terminal 50 Relay server 100 Providing server 110 Communication unit 120 Storage unit 121 Marketing information DB
122 Content management table 123 Content storage unit 124 NFC management table 125 Provided information management table 126 Log storage unit 130 Control unit 131 Acquisition unit 132 Decision unit 133 Transmission control unit N network

Claims (6)

A first table for storing the ID, which classifies the transaction status according to the transaction status of the transaction device, which sends transaction information updated according to the transaction status and displays a screen corresponding to the notified ID, and the transaction device. A second table for storing the ID for each transaction device, a third table for storing the identification information of the NFC tag provided in the transaction device for each transaction device, and a storage unit for storing the content corresponding to the ID.
An acquisition unit that acquires the transaction information transmitted from the transaction device , refers to the first table, identifies the ID according to the acquired transaction information, and notifies the transaction device of the specified ID .
The latest ID specified by the acquisition unit for each transaction device is stored in the second table, and when the identification information corresponding to the transaction device is received from the information processing terminal, the third table is referred to. Then, the transaction device is specified from the received identification information, and the ID corresponding to the specified transaction device is specified with reference to the second table to determine the information to be transmitted to the information processing terminal. The decision-making part to do,
A transmission control unit that acquires content corresponding to the ID specified by the determination unit from the storage unit and transmits the acquired content to the information processing terminal that is the transmission source of the identification information .
An information processing device characterized by having. The transaction information is one or more of a transaction message received by the transaction device, card or passbook information received by the transaction device, and customer attribute information based on an image captured by the transaction device. Including information,
The information processing apparatus according to claim 1 . When the transaction message is received from the host computer of the bank and the information about the customer is stored in the host computer, the transaction message includes the attribute information of the customer and the campaign information according to the attribute information. If the information about the customer is not stored in the host computer, the transaction message includes campaign information for other banks.
The information processing apparatus according to claim 2 . When the identification information acquired by reading the NFC tag by the information processing terminal is received from the information processing terminal, the determination unit refers to the third table and receives the identification. The information to be transmitted to the information processing terminal is determined by specifying the transaction device from the information and specifying the ID corresponding to the specified transaction device with reference to the second table .
The information processing apparatus according to any one of claims 1 to 3 , wherein the information processing apparatus is characterized by the above. The transaction information that is updated according to the transaction status is transmitted, and the transaction information transmitted from the transaction device that displays the screen corresponding to the notified ID is acquired.
A first table for storing the ID that classifies the transaction state according to the transaction state of the transaction device, a second table for storing the ID for each transaction device, and an NFC provided in the transaction device for each transaction device. With reference to the first table stored in the storage unit that stores the third table that stores the identification information of the tag and the content corresponding to the ID, the ID corresponding to the acquired transaction information is specified. Notify the trading device of the specified ID and
The latest ID specified for each transaction device is stored in the second table, and the latest ID is stored in the second table.
When the identification information corresponding to the transaction device is received from the information processing terminal , the transaction device is specified from the received identification information with reference to the third table, and the transaction device is referred to with reference to the second table. By specifying the ID corresponding to the specified transaction device, the information to be transmitted to the information processing terminal is determined.
The content corresponding to the specified ID is acquired from the storage unit, and the acquired content is transmitted to the information processing terminal that is the transmission source of the identification information .
An information processing method characterized in that a computer executes processing. The transaction information that is updated according to the transaction status is transmitted, and the transaction information transmitted from the transaction device that displays the screen corresponding to the notified ID is acquired.
A first table for storing the ID that classifies the transaction state according to the transaction state of the transaction device, a second table for storing the ID for each transaction device, and an NFC provided in the transaction device for each transaction device. With reference to the first table stored in the storage unit that stores the third table that stores the identification information of the tag and the content corresponding to the ID, the ID corresponding to the acquired transaction information is specified. Notify the trading device of the specified ID and
The latest ID specified for each transaction device is stored in the second table, and the latest ID is stored in the second table.
When the identification information corresponding to the transaction device is received from the information processing terminal , the transaction device is specified from the received identification information with reference to the third table, and the transaction device is referred to with reference to the second table. By specifying the ID corresponding to the specified transaction device, the information to be transmitted to the information processing terminal is determined.
The content corresponding to the specified ID is acquired from the storage unit, and the acquired content is transmitted to the information processing terminal that is the transmission source of the identification information .
An information processing program characterized by having a computer execute processing.

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