JPH10312436A - Consultation processing system, automating equipment, simple consultation terminal and consultation card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To meet the command of miniaturization of a store like a financial institution, etc., with needs of consultation with a consultant by a customer. SOLUTION: Automating equipment 1 to be provided with a card issuing part to issue a consultation card 3 to store contents, a result of the consultation and customer information in a storage area, to enable the customer to select the contents of the consultation when various transactions are executed by obtaining the customer information preliminarily registered in a database of a host center 4 based on various cards like a cash card, etc., of the customer and to issue the consultation card in which the contents of the consultation and the customer information are written and a simple consultation terminal 2 to grasp the contents of the consultation from the consultation card 3 when the consultation card 3 issued by the automating equipment 1 is inserted from an inserting port of a case, to connect the consultation to a consultation center 5 corresponding to the contents of the consultation, to enable the customer to consult with the consultant and to write the result of the consultation in the consultation card 3 are installed in the store of the financial institution, etc. In this case, the consultation card 3 in which the result of the consultation is written at a side of the simple consultation terminal 2 is read at the side of the automating equipment 1 and the result of the consultation is utilized for various transaction at the side of the automating equipment 1.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a consultation processing system, an automation device, a simple consultation terminal, and a consultation card.
This is useful when a customer wants to consult with a counselor at the time of various transactions using automated equipment installed in a store such as a financial institution.

[0002]

In a store such as a financial institution, automated equipment such as an automatic cash dispensing machine is installed. This automated device is called a quick ATM, and is adapted to immediately establish a transaction such as cash withdrawal by a customer operation. However, if the customer wants to consult with a consultant for any reason while conducting a transaction by operating the automated equipment, the customer stops the transaction with the automated equipment and the employee You must consult with a counselor.

[0003] On the other hand, recent automated equipment is a slow AT.
What is called M is being developed. This slow system A
The TM has a transaction function such as cash deposit / withdrawal of the quick ATM and a function capable of consulting with a counselor, so that the number of consultants and the like assigned to the store can be reduced. It is. However, slow A
Since the TM needs to have the function of a quick ATM in response to the demand for diversification of functions, it tends to be heavy and large, requiring high price and a large installation area, and reducing the size of stores. Not suitable. Therefore, in the case described above, there is a problem that it is not possible to respond to a request for downsizing of a store such as a financial institution together with a need for consultation with a customer's consultant.

[0004]

SUMMARY OF THE INVENTION Accordingly, the present invention has a card issuing unit for issuing a consultation card for storing consultation contents, consultation results and customer information in a storage area, based on various cards such as a customer's cash card. When acquiring customer information registered in the database of the host center in advance and executing various transactions, the customer is allowed to select the content of consultation and automation to issue a consultation card containing the consultation content and customer information to the customer When the customer and the customer insert the consultation card issued by the automated equipment from the insertion slot of the housing, the consultation content is grasped from the consultation card, and the customer is connected to the consultation center according to the consultation content, and the customer A simple consultation terminal that enables consultation with counselors and writes the consultation results on consultation cards to consultation cards is installed at stores such as financial institutions, and the consultation results are obtained on the simple consultation terminal side Reading the written consultation cards automation equipment side, to provide a consultation processing system consultation result in an automated device side to be used for various transactions.

The automation device includes an operation key operated by a customer, an operation display unit for displaying data input by the operation key and a guidance message, and a card reader / writer for reading and writing various cards such as a cash card. It has a housing, is installed in a store such as a financial institution, and executes various transactions by operation control of various transactions based on a certain sequence according to the operation of a customer, and is stored in a storage area by a card reader / writer. Consultation content,
Provide a card issuing unit that issues a consultation card that reads and writes consultation results and customer information, and obtains customer information registered in the database in advance based on various cards such as customer's cash card and executes various transactions, When the customer wants to consult with the counselor, a selection key for selecting the content of the consultation is displayed on the operation display unit, and when the selection key is selected by the customer, the card issuing unit uses the card reader / writer to provide the consultation content and A consultation card with customer information is issued to customers. In addition, when the consultation card in which the consultation result is written is inserted from the insertion slot, it is preferable to read information by a card reader / writer and execute a transaction based on the consultation result.

On the other hand, the simple consultation terminal has an input section for inputting data by operating a customer, a display section for displaying the input data, a guidance message, a picture of a consultant, etc. Image input unit to capture as data,
The housing has a voice input / output unit that inputs voices spoken by customers and outputs voices of consultants, a consultation card that has a storage area for consultation contents, consultation results, and customer information, and a card reader / writer that reads and writes various cards. When a customer inserts a consultation card from the insertion slot of the housing, the consultation card is read by a card reader / writer to understand the contents of the consultation, and connected to a consultation center corresponding to the consultation contents, and the customer I was able to consult. The consultation result is additionally recorded on the consultation card. In addition, when a transaction is concluded by consultation, an issuing unit for issuing documents such as cards, contracts, and consultation results according to the transaction is provided. Further, in the consultation card, in the storage area, a history for distinguishing between a usable state with an automated device, a usable state with a simple consultation terminal, and an unusable state with any of the automated device and the simple consultation terminal is stored. did.

[0007]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram of the consultation processing system. As shown in the figure, in this consultation processing system, the exchange of information such as consultation information between the automated equipment 1 and the simple consultation terminal 2 separately installed in a store such as a financial institution is performed using a storage area such as a magnetic stripe. Is performed through the consultation card 3 having the following. The automation equipment 1 is connected to a host center 4 by a communication line (not shown), and the simple consultation terminal 2 is connected to a consultation center 5 by a communication line (not shown). Both the host computer 4 and the consultation center 5 are not shown. They are connected by a communication line.

FIG. 2 is a block diagram of the automation equipment. As shown in the figure, the automation device 1 includes a touch panel 6, a consultation card issuing unit 7, a cash processing unit 8, a card processing unit 9, a control unit 10, a storage unit 11, a card reader / writer 12
And a communication control unit 13. The touch panel 6 displays a guidance screen, selection keys, and the like, and is used to input data by touching the selection keys with a finger or the like. The consultation card issuing unit 7 controls an operation of issuing the consultation card 3. The cash processing unit 8 controls the operation of cash deposit / withdrawal processing. The card processing unit 9 controls reading and writing of a card such as a cash card. The control unit 10 controls the entire processing of the automation device 1. The storage unit 11 stores a program that the control unit 10 executes. The card reader / writer 12
Is for reading and writing on the consultation card 3 and the cash card. The communication control unit 13 controls communication with the host center 4.

FIG. 3 is a block diagram of the simplified consultation terminal. As shown in the figure, the simple consultation terminal 2 mainly includes a touch panel 14, an image input unit 15, a voice input / output unit 16, a card processing unit 17, a control unit 18, a storage unit 19, a card reader / writer 20, and a communication control unit 21. In preparation. The touch panel 14 displays a guidance screen, selection keys, and the like, and is used to input data by touching the selection keys with a finger or the like. The image input unit 15 is a simple consultation terminal 2
Is used to input an image such as the face of a customer who uses the. The voice input / output unit 16 inputs voice of a customer and outputs voice of a consultant transmitted from the consultation center 5 as described later. The card processing unit 1
Reference numeral 7 controls read / write processing of the consultation card 3 and the like. The control unit 18 controls the entire process of the simple consultation terminal 2. The storage unit 19 stores a program for causing the control unit 18 to execute a process. The card reader / writer 20 is for reading and writing on the consultation card 3. The communication control unit 21 controls communication with the consultation center 5.

[0010] The host center 4 is provided with a database (not shown) of customer accounts. Further, the consultation center 5 is provided with a terminal for a consultant (not shown), and the consultant operates the terminal for the consultant to communicate with the simplified consultation terminal 2 for consultation with a customer. I have to respond. 4 to 6 show examples of the format of the consultation card. FIG.
FIG. 6 shows a format after consultation with a simple consultation terminal, and FIG. 6 shows a format after use with an automation device after consultation. That is, as shown in FIG.
Usage history, "bank number,""branchnumber,""card account number,""card issuance date and time,""depositbalance,""address, name, phone number, etc. as current CIF information,""host management data,""transactionhistory,"" Items such as "unbooked data" and "others" are stored. As shown in FIG.
After the consultation, the “post-processing required / unnecessary”, “transaction item”, “transaction amount”, “new account number”, “issue medium type”, and “other input items” are newly written. As shown in FIG. 6, after the consultation card 3 is used by the automated device after the consultation, the consultation card 3 becomes unnecessary, so that "post-processing necessary / unnecessary" is written to indicate that post-processing is unnecessary. In addition, simple consultation terminal 2
If the post-processing becomes unnecessary by the consultation in the above, the fact is written. "Issue / use history"
This is for identifying a device that can use the consultation card 3. The identification is preferably represented as a state transition,
For example, “1” when issued from the automation device 1, “2” after consultation with the simple consultation terminal 2, and “1” after consultation
"3" is given after use in "1", "1" is usable in the simple consultation terminal 2, "2" is usable in the automation device 1, and "3" is automated. It is identified as an unusable state by both the device 1 and the simple consultation terminal 2. In particular, the state transition “3” is a state for preventing a double transaction.

Next, an outline of a consultation processing system for processing according to the present embodiment will be described. That is, in the automation device 1,
A card such as a cash card is inserted into an insertion slot (not shown), a screen for confirming the presence or absence of consultation is displayed, and if a consultation request is selected, the host is pre-hosted based on various cards such as a customer's cash card. The customer information registered in the database of the center 4 is obtained, and the customer information, the consultation request and the consultation content are written in the consultation card 3 and issued to the customer. Next, when the customer brings the consultation card 3 and goes to the simple consultation terminal 2 and inserts it through the insertion slot (not shown), the simple consultation terminal 2 displays the consultation card 3
From the consultation center 5 connected to the consultation center 5 corresponding to the consultation contents, and transmits the consultation request and the consultation contents to the consultation center 5 so that the customer can consult with the consultant. Then, the simple consultation terminal 2 writes the consultation result generated during the consultation on the consultation card 3 and returns it to the customer.

Thereafter, the customer brings the consultation card 3 after consultation to the automation device 1 and inserts it into an insertion slot (not shown) in order to execute a transaction relating to the consultation. In the automation equipment 1,
The consultation result is read out from the consultation card 3 and a transaction corresponding to the consultation result is executed. In the following, a transaction procedure in the automated device at the time of issuing the consultation card, a consultation process in the simplified consultation terminal after the issuance of the consultation card, and a transaction procedure in the automated device after the consultation will be described in order. The contents of the transaction with the automated device are, for example, a case of opening a deposit account, but the present invention is not limited to this and can be applied to a case where a customer wants to consult in a transaction performed with the automated device, and the description thereof will be omitted.

FIG. 7 is a flow chart for explaining a transaction procedure in an automated device when a consultation card is issued. S1: In the automation device 1, a menu screen is displayed on the touch panel 6 in a transaction waiting state under the control of the control unit 10.
On this menu screen, for example, as shown in FIG.
A selection key such as a "deposit" key is displayed. In particular, in this embodiment, a key for selecting a consultation with a counselor such as a "various services" key, an "asset consultation" key, and a "sign language consultation" key. Show selection keys. Here, it is assumed that the “various services” key is selected.

S2: When the “various services” key is selected, the automation apparatus 1 displays various service selection screens for selecting various services under the control of the control unit 10 on the touch panel 6. The various service selection screens include, for example, as shown in FIG. 11, a “deposit account opening” key, a “various loan consultation” key, a “credit card consultation” key, and a “transaction with a consultation card”. A selection key for selecting various services such as keys is displayed on the touch panel 6. Here, it is assumed that the “deposit account opening” key is selected.

S3: In the automation device 1, when the “open deposit account” key is selected, the presence / absence confirmation screen for confirming the presence / absence of consultation under the control of the control unit 10 is displayed on the touch panel 6.
Is displayed, and the process proceeds to S4. Note that the presence / absence confirmation screen displays, for example, as shown in FIG. 12, a question text asking for the presence or absence of a consultation, and a selection key for selecting the presence / absence of a request. S4: In the automation device 1, by the processing of the control unit 10,
When the “unwanted” key is selected, the process proceeds to S5,
When the "desired" key is selected, the process proceeds to S14.
In the following processes, S5 to S13 are processes for opening an account when consultation with a consultant is not required.
S20 is a process for issuing a consultation card. The process of opening an account after consultation is shown in FIG. 9 and will be described later.

S 5: In the automation equipment 1, various service selection screens are displayed on the touch panel 6 under the control of the control unit 10. This various service selection screen includes, for example, FIG.
As shown in FIG. 5, the product selection keys such as the "goods savings deposit" key, the "automatic savings time deposit" key, and the "new type notification deposit" key are displayed. S6: In the automation device 1, when any one of the product selection keys is selected, the process proceeds to S7 under the control of the control unit 10. Here, it is assumed that the "automatic savings time deposit" key is selected.

S 7: In the automation equipment 1, the product content introduction selected under the control of the control unit 10 is retrieved from the storage unit 11 and displayed on the touch panel 6. On the product content introduction screen, for example, as shown in FIG.
Show keys. If the "confirm" key is selected, the process proceeds to S8.

S8: In the automation equipment 1, under the control of the control unit 10, the customer is prompted to insert a cash card, and at the same time, an input screen for a password related to the cash card is displayed on the touch panel 6, and the input is performed. Let it. S9: Under the control of the control unit 10, the automation device 1 displays an input screen for inputting personal information such as a transfer amount of the automatic reserve time deposit and a telephone number, and allows the user to input them.

S10: Under the control of the control unit 10, the automation device 1 displays on the touch panel 6 a confirmation screen for the transfer amount and personal information applied for in the above-mentioned S9. On the confirmation screen of the application contents, for example, as shown in FIG. 15, a "confirmation" key is displayed together with the application contents such as the account type, the amount, and the transfer date of the application. S11: When the automation device 1 detects that the “confirmation” key is pressed, the process proceeds to S12 under the control of the control unit 10.

S12: In the automation equipment 1, under the control of the control unit 10, the application content is transmitted to the host center 4 via the communication control unit 13. The host center 4 recognizes the contents of the application and determines whether the transaction has been completed or not, and transmits the determination result to the automation device 1. S13: The automation device 1 performs processing based on the received determination result. For example, when it is determined that the transaction is established, the cash card is returned, a statement slip and a new passbook are issued, and the process is terminated. If it is determined that the transaction has not been completed, the cash card is returned, a statement slip indicating that the transaction has not been completed is issued, and the process ends.

S14: When the "desired" key is depressed in S4, the automation device 1 takes out a description of the consultation from the storage unit 11 under the control of the control unit 10, displays it on the touch panel 6, and confirms it. Show keys. The explanation is, for example, a message for confirming the contents of the consultation, confirming that a fee is charged, and the like. S15: When the automation device 1 senses that the confirmation key is pressed in S14, the process is executed under the control of the control unit 10 in S1.
Move to 6.

S16: In the automation equipment 1, the guidance message and the confirmation key are taken out of the storage unit 11 under the control of the control unit 10 and displayed on the touch panel 6. The guidance message is, for example, a message indicating that consultation is to be performed at the simple consultation terminal. S17: When the automation device 1 detects that the confirmation key is pressed in S16, the process is executed by the control unit 10 in S1.
Move to 8.

S18: Under the control of the control unit 10, the automation device 1 transmits a request to the host center 4 via the communication control unit 13 to the effect that there is a consultation request, and requests transmission of customer information required for consultation. . The host center 4 obtains the customer information of the corresponding card account and transmits it to the automation device 1, and deducts the consultation fee from the corresponding card account.

S19: After acquiring the customer information of the corresponding card account, the automation device 1 displays a guidance message, such as issuing a consultation card, on the touch panel 6 under the control of the control unit 10. The guidance message is, for example, as shown in FIG. 16, "Please receive a cash card and a consultation card. Please put the consultation card in the simple consultation terminal on the right hand side of this corner. Yes, you can. " In addition, the consultation card issuing unit 7 includes a card reader / writer 12
Then, as shown in FIG. 4, the consultation contents and customer information are written in the storage area and the consultation card 3 is issued. Following issuance of the consultation card 3, the cash card is returned, the statement slip is released, and the process is terminated. At the time of writing to the consultation card 3 here, for example, “1” indicating a state transition is added to “issuance / use history” to store that it can be used by the simple consultation terminal 2. I do. Also, here
"Post-processing required".

FIG. 8 is a flowchart for explaining the consultation processing in the simplified consultation terminal after the issuance of the consultation card. S1: The simple consultation terminal 2 displays a menu screen on the touch panel 14 in a transaction waiting state under the control of the control unit 18. On this menu screen, for example, as shown in FIG. 17, an explanation for selecting a process when there is a consultation card and a process when there is no consultation card is displayed. If the consultation card 3 is inserted from the insertion slot (not shown) of the simple consultation terminal 2 in the transaction waiting state, the process proceeds to S2,
If a selection key such as the "time deposit acceptance" key is pressed when there is no consultation card, the process proceeds to S3.

S2: In the simple consultation terminal 2, the card processing unit 17 is controlled by the control unit 18 to operate the card reader / writer 2
0 reads data from the storage area of the consultation card 3,
Check the contents. The check is for confirming the validity of the consultation card, whether or not the consultation card has been used for the first time after the issuance of the consultation card. Here, whether or not the consultation card has been used for the first time after issuance is determined by checking whether or not "1" is stored in the "issuance / use history" shown in FIG.

S3: The controller 18 of the simple consultation terminal 2 recognizes the contents of the consultation. S4: The control unit 18 of the simple consultation terminal 2 includes the communication control unit 21
The corresponding consultation center 5 is called via. At this time, the contents of the consultation are transmitted to the consultation center 5. S5: Transmission and reception between the simple consultation terminal 2 and the consultation center 5 become possible. In the simple consultation terminal 2, the image of the customer is acquired by the image input unit 15 and transmitted to the consultation center 5, and the voice input / output unit 16 Enables the start of consultation dialogue between the customer and the consultant. At this time, the consultation center 5 displays the image of the customer and the contents of the consultation on the display unit of the consultant terminal (not shown). In this state, a so-called video conference function is provided between the simple consultation terminal 2 and the consultation center 5. Then, in the consultation dialogue here, the counselor grasps the needs of the customer, introduces the most suitable product, and performs processing related to issuance of the product that the customer likes. The consultation input items are input by the counselor on the consultation center 5 side as appropriate in response to the voice response of the customer, transmitted to the simplified consultation terminal 2 side, and the input contents are appropriately input to the touch panel 6.
It is preferable to consult with the customer while confirming it. Further, the consultation input item may be transmitted to the consultation center 5 by allowing the customer to appropriately input the information through the touch panel 6. In the case of a special consultation such as sign language consultation, an image of the consultant is input from the input unit on the consultant terminal (not shown), transmitted to the simple consultation terminal 2 and displayed on the touch panel 6 in real time. It may be.

S6: If a consultation result is obtained in the consultation in S5, the connection between the simple consultation terminal 2 and the consultation center 5 is terminated.
Is written to. In the writing, as described above with reference to FIG. 5, the necessity / unnecessity of post-processing in the automation device 1, the transaction item of the new account, the transaction amount, the new account number, the issuing medium type, and other input items are newly written. . Here, the “issue / use history” includes, for example, the state transition “2”.
Is written to enable processing in the automation equipment 1 and post-processing is required. In the consultation center 5, the consultation result is appropriately C
It is preferable that the data be stored in a storage medium such as a D-ROM or printed out.

S7: The simple consultation terminal 2 brings the consultation card 3 to be ejected to the automation device 1 and inserts the consultation card 3 into the insertion slot (not shown) of the automation device 1 to perform a transaction or the like. 14 is displayed. Then, the consultation card 3 on which the consultation result is written is discharged, and the paper on which the consultation result is printed is discharged, and the process ends. FIG.
It is a flowchart explaining the transaction procedure in the automation device after consultation.

S1: In the automation device 1, a menu screen is displayed on the touch panel 6 in a transaction waiting state under the control of the control unit 10. As described above, for example, as shown in FIG. 10, this menu screen is used to select a consultation with a consultant such as a “various services” key, an “asset consultation” key, and a “sign language consultation” key. Is displayed. The customer goes to the automation device 1 with the consultation card 3 after consultation. Here, it is assumed that the “various services” key is selected.

S 2: Then, when the “various services” key is selected, the automation apparatus 1 displays various service selection screens for selecting various services under the control of the control unit 10 on the touch panel 6. As described above, for example, as shown in FIG. 11, the various service selection screen includes a “deposit account opening” key, a “various loan consultation” key, a “credit card consultation” key, and a “consultation card”. A selection key for selecting various services, such as a "deal with" key, is displayed on the touch panel 6, and the process proceeds to the next step.

S3: Here, since the consultation has already been completed, if the customer selects the "transaction with consultation card" key, the automation device 1 shifts the processing to the next. S4: In the automation device 1, under the control of the control unit 10, the guidance screen for inserting the cash card and the password input screen are sequentially displayed on the touch panel 6, and the customer is prompted to insert the cash card and input the password. Prompt, and when they are completed, the process proceeds to the next.

S5: In the automation equipment 1, under the control of the control unit 10, a guidance screen for inserting the consultation card 3 is displayed on the touch panel 6, and the customer is prompted to insert the consultation card. To the next. S6: In the automation device 1, the control unit 10 and the card processing unit 9
, The data is read from the storage areas of the cash card and the consultation card 3 to the card reader / writer 12 respectively. Then, under the control of the control unit 10, the card processing unit 9 reads data from the storage areas of the cash card and the consultation card 3 with the card reader / writer 12, and checks the contents. The check is for confirming the validity of the consultation card. In particular, in the case of the consultation card 3, it is confirmed whether or not the card is used for the first time after the consultation. Here, it is determined whether or not the status has been used for the first time after the consultation, based on, for example, whether or not the state transition “2” is written in the “issue / use history” illustrated in FIG. Here, it is assumed that post-processing is required.

S7: Under the control of the control unit 10, the automation device 1 displays on the touch panel 6 a confirmation screen for the transfer amount and personal information application contents, which are the consultation results written in the consultation card 3. On the confirmation screen of the application contents, for example, as shown in FIG. 15, a "confirmation" key is displayed together with the application contents such as the account type, the amount, and the transfer date of the application.
Here, it is assumed that the transaction item is the case of the automatic funded time deposit.

S8: When the automation device 1 detects that the “confirmation” key is pressed, the control unit 10 controls the process in S9.
Transfer to S9: Under the control of the control unit 10, the automation device 1 transmits the application content to the host center 4 via the communication control unit 13. The host center 4 recognizes the contents of the application and determines whether the transaction has been completed or not, and transmits the determination result to the automation device 1.

S10: Under the control of the control unit 10, the automation device 1 operates a passbook issuing unit (not shown) to issue a new passbook. S11: In the automation device 1, the transaction is completed in the "issue / use history" of the storage area of the consultation card 3 by the card reader / writer 12 under the control of the control unit 10 and the card processing unit 9, and use of any device is not possible. To be possible, for example,
Write state transition "3". Thus, it is possible to prevent the consultation card 3 from being used again and issuing the same new passbook.

S12: Under the control of the control unit 10 and the card processing unit 9, the automation device 1 returns the consultation card 3 and the cash card, discharges the statement slip, and ends the processing.
According to the above-described embodiment, the consultation card 3 in which customer information is written is issued by the automation device 1 which is a quick ATM, and the customer information written in the consultation card 3 is read by the simple consultation terminal 2 which is a slow ATM. The customer information can be used for consultation dialogue. In other words, an automated machine which is a host-on-line, cash-based quick ATM that performs a transaction introduction portion and a settlement portion, and performs a time-consuming consultation process portion with a slow-based ATM simple consultation terminal. It is. For this reason,
Since the interactive processing can be performed without affecting the overall processing in the quick ATM, the effect of preventing a decrease in the operating efficiency of the quick ATM can be obtained. In addition, since the accounting-related business after consultation is performed on the quick ATM side, a simple consultation terminal, which is a slow-type ATM, can be provided at a low cost, and the installation area can be reduced, so that the store can be reduced in size. The effect suitable for conversion is obtained. Therefore, it becomes useful for the business activities of the financial institution, and the customer can be consulted with the counselor.

Further, in the present embodiment, the case where one simple consultation terminal is used has been described as an example. However, the number of installed simple consultation terminals may be plural and the processing may be performed respectively. Further, in the present embodiment, the case of opening a deposit account is used as an example of the details of the transaction with the automated device. However, the present invention is not limited to this, and the present invention can be applied to any case where the customer wants to consult in the transaction with the automated device. For example, open a new account, accept a loan application, settle,
Various consultations (including periodic consultations) such as asset consultations, various applications, various notifications such as address changes, transaction history display / printing, transfer destination registration, etc.

In the above embodiment, the consultation card has been described as an example of a magnetic card having a storage area in a magnetic stripe.
You may use a card. In this embodiment, the case where the consultation card is returned to the customer when the transaction is completed using the consultation card has been described. You may make it take in to a part.

[0040]

As described above, according to the present invention, a consultation card in which customer information is written is issued by an automatic device which is a quick ATM, and a customer who is written on the consultation card by a simple consultation terminal which is a slow ATM is provided. The information can be read and the customer information can be used for consultation dialogue.
In other words, an automated machine which is a host-on-line, cash-based quick ATM that performs a transaction introduction portion and a settlement portion, and performs a time-consuming consultation process portion with a slow-based ATM simple consultation terminal. It is. For this reason, since the interactive processing can be performed without affecting the overall processing in the quick ATM, the effect of preventing a decrease in the operating efficiency of the quick ATM can be obtained. In addition, since the accounting-related business after consultation is performed on the quick ATM side, a simple consultation terminal, which is a slow-type ATM, can be provided at a low cost, and the installation area can be reduced, so that the store can be reduced in size. The effect suitable for conversion is obtained. Therefore, it is useful for the business activity of the financial institution, and the effect that the customer can be consulted with the counselor is obtained.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a consultation processing system.

FIG. 2 is a block diagram of an automation device.

FIG. 3 is a block diagram of a simple consultation terminal.

FIG. 4 is a view showing an example of a format of a consultation card.

FIG. 5 is a view showing an example of a format of a consultation card.

FIG. 6 is a view showing an example of a format of a consultation card.

FIG. 7 is a flowchart of a transaction procedure in an automated device.

FIG. 8 is a flowchart of consultation processing in a simple consultation terminal.

FIG. 9 is a flowchart of a transaction procedure after consultation with an automated device.

FIG. 10 is a diagram illustrating an example of a menu screen of an automation device.

FIG. 11 is a view showing an example of a screen for selecting various services of the automation equipment.

FIG. 12 is a view showing an example of a screen for confirming the presence / absence of consultation on automated equipment;

FIG. 13 is a view showing an example of a screen for selecting various services of the automation equipment.

FIG. 14 is a view showing an example of introduction of product contents in an automated device.

FIG. 15 is a view showing an example of a screen for confirming the contents of an application on an automated device.

FIG. 16 is a view showing an example of a guidance message screen of the automation device.

FIG. 17 is an exemplary diagram of a menu screen of a simple consultation terminal.

[Description of Signs] 1 Automated equipment 2 Simple consultation terminal 3 Consultation card 4 Host center 5 Consultation center

Claims (7)

[Claims] 1. A card issuance unit for issuing a consultation card for storing consultation contents, consultation results and customer information in a storage area. The card issuance unit is registered in advance in a database of a host center based on various cards such as a customer's cash card. An automated device that allows the customer to select the content of consultation and issues a consultation card with the consultation content and customer information to the customer when acquiring various customer information and executing various transactions. When the consultation card is inserted from the insertion slot of the housing, the consultation contents are grasped from the consultation card and connected to the consultation center according to the consultation contents,
A simple consultation terminal that enables customers to consult with counselors and writes the consultation results when consulting them to consultation cards is installed at stores such as financial institutions, and the consultation results are written on the simple consultation terminal side A consultation processing system characterized in that the card is read by the automated device, and the consultation result is used for various transactions by the automated device. 2. A housing having an operation key operated by a customer, an operation display unit for displaying data input by the operation key and a guidance message, and a card reader / writer for reading and writing various cards such as a cash card. An automated device that is installed in a store such as a financial institution and executes various transactions by controlling the operation of various transactions based on a certain sequence according to the operation of the customer. Consultation contents and consultation results stored in a storage area by a card reader / writer And a card issuing unit that issues a consultation card for reading and writing customer information. When acquiring customer information registered in the database of the host center in advance based on various cards such as customer's cash card and executing various transactions When a customer wants to consult with a consultant, a selection key for selecting the content of the consultation is displayed on the operation display section. Wherein when the selection key is selected by the customer, the card issuing unit issues a consultation card in which consultation contents and customer information are written to the customer by a card reader / writer. machine. 3. The method according to claim 2, wherein when a consultation card on which a consultation result is written is inserted from an insertion slot, information is read by a card reader / writer, and a transaction is executed based on the consultation result. An automation device characterized by that: 4. An input unit for operating a customer to input data, a display unit for displaying the input data, a guidance message, a video of a consultant, and the like, and an image input unit for capturing a video of the customer and capturing it as image data. The housing has a voice input / output unit that inputs voices spoken by customers and outputs voices of consultants, a consultation card that has a storage area for consultation contents, consultation results, and customer information, and a card reader / writer that reads and writes various cards. When a customer inserts a consultation card from the insertion slot of the housing, the customer reads the consultation card with a card reader / writer to understand the contents of the consultation, connects to the consultation center corresponding to the consultation content, and allows the customer to consult. A simple consultation terminal characterized by the ability to consult with a member. 5. The simple consultation terminal according to claim 4, wherein a consultation result is additionally recorded on a consultation card. 6. A simple consultation terminal according to claim 4, further comprising an issuing unit for issuing a card, a contract, and a document such as a consultation result according to the transaction when the transaction is concluded by the consultation. . 7. The consultation card according to claim 1, 2 or 4, wherein the storage area has a usable state with an automated device, a usable state with a simple consultation terminal, and any one of an automated device and a simple consultation terminal. However, a consultation card characterized by storing a history for distinguishing an unusable state.