JPH103508A - Transaction processor and automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To permit the supply of service information other than the contents of a main transaction so as to enable a customer to receive various service by providing a switching means for switching a specified transaction item to another item in transacting the specified item. SOLUTION: The system comprises an ATM 12 to be used for a transaction by a customer 11, a banking organ host computer 13 for controlling/managing receiving/paying data at the receiving/paying transaction of the ATM 12, and a store host computer 15 allowed to communicate with the ATM 12 to manage customer's member information 14. A transaction switching control part included in the ATM 12, controls the temporary switching of a transaction account, permits the switching of the account to advertisement information, commodity purchase information, etc., other than a main transaction item such as a receiving/paying transaction, and in the case of commodity purchase information e.g. permits the switching of the account to the transaction data of each transaction service store such as a 1st store transaction procedure, a 2nd store transaction procedure, a 1st firm transaction procedure,... connected to the host computer of each store.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing apparatus such as an automatic teller machine (ATM) installed in a financial institution, and more particularly to a transaction for guiding and outputting service information other than a designated transaction when using the transaction. The present invention relates to a processing device and an automatic teller machine.

[0002]

2. Description of the Related Art Generally, a transaction processing apparatus such as an ATM is provided with a specific host computer of a financial institution which handles and manages transaction data input and operated by the customer such as a personal identification number for specifying the customer and a transaction usage amount for each customer. The communication was performed by collating, and when the collation was confirmed, the transaction was permitted and the transaction requested by the customer was executed.

[0003]

Since such a transaction processing apparatus is managed by a dedicated host computer,
It is limited to financial applications involving financial institutions, and does not provide other information or transaction services. It has been desired to expand the use of transaction processing devices that are frequently used on a daily basis.

Accordingly, an object of the present invention is to provide a transaction processing apparatus and an automatic teller machine which allow a customer to receive various services by permitting supply of other service information in addition to the contents of a main transaction.

[0005]

According to the first aspect of the present invention,
A transaction processing apparatus for performing a transaction by designating and inputting a specific transaction item to be used by a customer, wherein a switching means for switching to another item when the transaction item specified and input is traded is provided.

The invention according to claim 2 is characterized in that the switching means switches from the transaction item to the advertisement information.

The invention according to claim 3 is characterized in that the switching means switches from the transaction item to the purchase information of the product.

The invention according to claim 4 is characterized in that the switching means switches the transaction item to the transaction service information of the specific account.

The invention according to claim 5 is characterized in that the switching means permits the switching based on the attribute information of the customer who uses the transaction.

The invention according to claim 6 is characterized in that the switching means permits the switching based on the transaction time.

[0011] The invention according to claim 7 is characterized in that the switching means permits switching based on the account balance of the customer.

[0012] The invention described in claim 8 is the first or second invention.
It is an automatic deposit payment machine constituted by the transaction processing device described in 3, 4, 5, 6 or 7.

[0013]

According to the present invention, when a customer specifies and inputs a specific transaction item, the switching means switches from the current transaction item to another item and outputs the guidance. For example, switching to advertisement information, product purchase information, transaction service information for a specific account, or switching based on customer attribute information, transaction time, and customer account balance. Such a transaction processing device is constituted by an automatic deposit payment machine installed in a financial institution or the like, and is used for deposit and withdrawal transactions.

[0014]

As a result, since there is provided a switching means for permitting the switching from the main transaction item to another item, the customer can obtain other transactions, information provision and transaction services in addition to the main transaction, and this application is expanded. Accordingly, the customer can receive various services and can be widely used as a transaction processing device having a multi-functional transaction content.

For example, it is possible to switch from a main transaction item such as a deposit / withdrawal transaction to advertisement information or product purchase information, etc. In this case, by switching to the advertisement information, a service in which a commission of a specific account of a customer is taken over. You can also set it to be offered. In addition, it is possible to select and provide service information suitable for the customer according to the attribute information such as age, gender, etc. of the customer. It is possible to manage time suitable for use, and to provide services such as merchandise information that can be traded with the customer's account balance.

If such a transaction processing apparatus is constituted by an automatic deposit payment machine installed in a financial institution or the like, it is possible to widely use transactions for other purposes besides deposit and withdrawal transactions.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below in detail with reference to the drawings. FIG. 1 shows an ATM system configuration diagram used in a financial institution. This system configuration diagram shows an ATM 12 used and traded by a customer 11 and a financial institution host that controls and manages the deposit and withdrawal data of the ATM 12 during deposit and withdrawal transactions. It comprises a computer 13 and a store host computer 15 which permits communication with the ATM 12 and manages the member information 14 of the customer.

FIG. 2 is an external view of the ATM 12, and FIG.
The TM 12 includes a CRT 21 also serving as a touch panel for displaying and guiding a transaction operation to a customer, a passbook insertion slot 22, a card insertion slot 23, a coin insertion slot 24, and a bill insertion slot 25 on the upper front surface of the apparatus main body. Transactions such as deposits, withdrawals, transfers, passbook entries, and balance inquiries are allowed.

FIG. 3 shows a control circuit block diagram of the ATM 12. The CPU 31 controls each circuit device according to a program stored in a ROM 32, and stores control data in a RAM.
At 33, it is stored so as to be readable.

The CPU 31 is connected to the CRT 21, the card processing unit 34, the bill processing unit 35,
Coin processing unit 36, center communication processing unit 37, attendant panel processing unit 38, passbook processing unit 39, remote monitoring device (CRMC)
The communication processing unit 40, the journal processing unit 41, the statement processing unit 42, and the transaction switching control unit 43 are connected.

Among them, the CRT 21 has a touch input function for displaying various transaction display guides and operation procedures thereof, and for allowing a touch input corresponding to a display portion displayed on the screen.

The card processing section 34 reads transaction data of various cards inserted into the card insertion slot 23, writes and updates data, and discharges the card to the card insertion slot 23 when the transaction is completed or canceled.

A transaction selection unit 44 for selecting a transaction with a financial institution, a transaction with a store or the like when accepted by the CRT 21 and the card processing unit 34 is configured.

The bill processing unit 35 takes in the bill inserted into the bill insertion slot 25 and performs a receiving process, and discharges the bill from the bill insertion slot 25 at the time of dispensing and canceling the deposit.
The coin processing unit 36 takes in the coin inserted into the coin insertion slot 24 to receive and process the coin, and discharges the coin from the coin insertion slot 24 at the time of dispensing and canceling the deposit.

The center communication processing unit 37 transmits the edited deposit / withdrawal request message, bookkeeping request message, etc. to the financial institution host computer 13 and checks the transaction contents in the transaction management table 13a.
It receives and processes the automatic transaction data such as the deposit / withdrawal answer and the bookkeeping data sent from the company.

The bill processing unit 35 and the coin processing unit 36
And the center communication processing unit 37 constitute a cash management unit 45 of a specific account for specifying a customer. Staff panel processing unit 3
Numeral 8 handles a staff panel provided inside the ATM to execute a staff operation such as a failure recovery operation or a maintenance check.

The passbook processing section 39 reads the transaction data of the passbook inserted into the passbook insertion slot 22 and writes and updates the data. The passbook print section performs the process of registering the transaction data and unregistered data in the print field of the passbook. Further, the passbook is returned to the passbook insertion slot 22 when the transaction is completed or canceled.

CRMC (remote monitoring device) communication processing unit 40
Transmits the detection data of ATM12 to CRMC,
The response data such as the failure recovery data returned from the MC is received and processed.

The journal processing unit 41 saves a journal (copy slip) having the same recording contents inside the apparatus every time a statement slip is issued, and records the error code in the journal together with an error code when a failure occurs. . The statement processing unit 42
Issue a statement describing transaction data of various transaction contents such as deposit / withdrawal transactions and balance inquiry for each transaction.

The transaction switching control unit 43 is for temporarily switching and controlling the transaction account. In addition to the main transaction items such as deposit and withdrawal transactions, the transaction switching control unit 43 permits switching to advertisement information, product purchase information, and the like. Is the first store transaction procedure 43 connected to the host computer of each store.
a, the second commercial transaction procedure 43b, the first commercial transaction procedure 43c
Switching to the transaction data for each store where the transaction is used is permitted as in.

FIG. 4 is a diagram showing a processing configuration between the ATM 12 and the store host computer 15. The transaction switching control unit 43 provided in the ATM 12 includes circuit devices 21, 34, 42,
45, and further has a store contract table 46 of contract stores that use the ATM 12 from outside for communication. The store contract table 46 has a connection destination for communication with each store host computer 15. Store number and store account number.

The ATM 12 and each of the store host computers 15 are connected to each other via communication units 47 and 48, and the store host computer 15 has a customer member who has stored and managed in advance according to the service program 49. The control data is managed by allowing update of management data such as bonus data 50 and questionnaire data 51 for each number.

FIG. 5 is a flowchart showing a control procedure between the ATM 12 and the store host computer 15, and FIG.
The M12 side is waiting for a customer input, and when the customer inserts a transaction card and starts a transaction, it is determined whether the card is a transaction card exclusively for a financial institution or a transaction card exclusively for a store (step S12). n1) If a transaction card dedicated to a financial institution is used, a deposit / withdrawal transaction is performed with the designated financial institution (step n2).

On the other hand, when a transaction card dedicated to a store is used, the data is read and connected to the store of use (steps n3 to n4), and the customer is operated based on the operation of the connected store host computer. The requested commodity transaction is performed (steps n5 to n7).

On the other hand, the store host computer 15
On the side, first, the member number of the transaction card using the ATM is read and instructed (steps n8 to n9).
Enter the password corresponding to the member number (step n).
10 to n11), when the collation is confirmed, an instruction is given to display a store list suitable for the customer with reference to the bonus data and questionnaire data of the member (steps n12 to n1).
5) When the product is designated from the product list and the transaction is completed, the payment amount is instructed and the data used for the transaction is updated (steps n16 to n18).

The transaction processing operation of the ATM configured as described above will be described with reference to the flowchart of FIG. Now, when the customer inserts the transaction card into the ATM and starts the withdrawal transaction, the CPU 31 reads out the card data and at the same time guides the user to input the personal identification number of the card customer (steps n21 to n22), When the transaction person is collated and confirmed from the personal identification number, an operation for inputting the withdrawal transaction amount is guided (step n23).

As described above, while the input operation of the customer is completed and the ATM processes the transaction amount, the CPU 31 guides the customer to see or not to see the advertisement guide (step n2).
4) If the customer chooses to "don't see the invitation,"
The customer's unique data registered in the financial institution host computer 13 is updated to a new balance, and after the update, the transaction approval data is returned to the ATM 12, and during that time, "Please wait" is displayed and guided (steps n25 to n26). .

After updating the data, the CPU 31 returns the updated transaction card, prints out a statement and issues a receipt to the customer, releases the specified transaction amount, and completes the one-withdrawal transaction. (Steps n27 to n
29).

On the other hand, if the customer selects “view advertisement guidance”, as shown in FIG. 7, the transaction fee is free if the customer views the advertisement on the CRT 21 while waiting. Select the applicable advertisement item. ", And display and guide the advertisement switching information 71, and when the customer selects and inputs and specifies a particular advertisement item of interest, the store providing the input advertisement item And outputs the corresponding advertisement information as a guide (step n3).
0).

As described above, when using the transaction of the ATM 12,
If the customer chooses to view the advertising information of the store, the customer can receive a service providing the transaction fee of the customer.

Next, the advertisement processing operation of the ATM 12 installed in many financial stores and widely used will be described with reference to the flowchart of FIG. When the advertisement item is input, the CPU 31 reads out the customer's transaction item, account balance, transaction fee, transaction area, and other specific data from the financial institution host computer 13 (steps n31 to n32). The transaction data and the price data of the advertisement used by the store using the ATM are read (steps n33 to n34), and the CRT 21 of the ATM 12 displays the advertisement information of the designated advertisement item and guides the customer to the product. And purchase information (step n35).

As a result, an appropriate advertisement can be outputted and notified to the area from the ATM use area (step n36), and an advertisement product suitable for the customer is selected according to the account balance of the customer. Can be displayed (step n37).

FIG. 9 shows the advertisement management data of the store host computer 15. If the payment process is performed for the account of the financial institution within the regular transaction time, the transaction fee is free. In such a case, since the financial institution does not need to take over the transaction fee of the customer, as shown in the advertisement selection management data 91 in FIG. 9, the data of the advertisement selection can be switched depending on the presence or absence of the transaction fee. to manage.

Further, as shown in the customer attribute information management data 92, the options of the advertisement can be switched according to the "customer attribute information" registered in the card. For example, the attributes of customers such as gender and age are defined by one byte in the card.

(1) 00000001: a man under 10 years old (2) 00000010: a man in his teens (3) 00000011: a man in his 20s (4) 0000100 100: a man in his 30s (5) 00000101: a man in his 40s In this way, a selection list is created by inferring advertisements suitable for customers who are likely to be more related to gender and age.

FIG. 10 shows a ticket purchase guidance screen.
Deposit, payment, transfer,
A list of deposit / withdrawal transaction items 101 of a financial institution, such as balance inquiry, and purchaseable ticket transaction items 102, such as ticket peers and ABC ticket centers, are displayed.

In this case, when the customer selects one of the ticket transaction items 102, the customer communicates with the host computer of the shop handling the selected ticket to perform a ticket purchase process. In addition, if a card issued by a ticket service company is used, the host computer of the ticket corresponding to the purchase can be automatically and immediately selected when the ATM is used.

As described above, since the system has the switching function of allowing switching from the transaction item of the financial institution to another item when using the ATM transaction, the customer can display and guide the advertisement other than the transaction contents of the financial institution, It is possible to provide information such as product and ticket purchase guidance and use transactions, and customers can receive various services with the expansion of the use of this ATM,
It can be widely used as an ATM with abundant transaction contents having multiple functions.

Also, by temporarily switching from ATM transaction information to advertisement information, it is possible to obtain a service offering that takes over the commission of a specific account of a customer, and attribute information such as age, gender, etc. of the customer. In addition to selecting and providing service information appropriate to the customer according to the transaction, various transaction items are switched according to the transaction time, so that time management suitable for transaction use can be achieved, and the customer's account balance It is also possible to provide services such as product information that can be traded at

In correspondence between the present invention and the configuration of the above-described embodiment, the transaction processing apparatus of the present invention provides
Although the switching means corresponds to the transaction switching control unit 43 in the same manner as in M12, the present invention is not limited to the configuration of the above-described embodiment.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of an ATM according to the present invention.

FIG. 2 is an external perspective view of an ATM according to the present invention.

FIG. 3 is a block diagram of an ATM control circuit according to the present invention.

FIG. 4 is a processing configuration diagram of an ATM and a store host computer according to the present invention.

FIG. 5 is a flowchart showing a control procedure between the ATM and the shop host computer according to the present invention.

FIG. 6 is a flowchart showing an ATM transaction processing operation of the present invention.

FIG. 7 is a display diagram showing an example of an advertisement guidance display on a CRT according to the present invention.

FIG. 8 is a flowchart showing an advertisement processing operation of the ATM according to the present invention.

FIG. 9 is an explanatory view showing advertisement management data of the store host computer of the present invention.

FIG. 10 is a display diagram showing a CRT ticket purchase guidance screen of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 11 ... Customer 12 ... ATM 13 ... Financial institution host computer 14 ... Customer member information 15 ... Shop host computer 31 ... CPU 43 ... Transaction switching control part 46 ... Shop contract table 71 ... Advertising switching information 91 ... Advertising selection management data 92 ... Customer attribute information management data 101 ... Deposit and withdrawal transaction items of financial institutions 102 ... Ticket transaction items

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[Procedure amendment]

[Submission date] August 8, 1996

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] 0046

[Correction method] Change

[Correction contents]

FIG. 10 shows a ticket purchase guidance screen.
Deposit, payment, transfer,
A list of deposit / withdrawal transaction items 101 of a financial institution such as balance inquiry and purchaseable ticket transaction items 102 such as a ticket center A and a ticket center B are displayed.

[Procedure amendment 2]

[Document name to be amended] Drawing

[Correction target item name] Fig. 7

[Correction method] Change

[Correction contents]

FIG. 7

[Procedure amendment 3]

[Document name to be amended] Drawing

[Correction target item name] FIG.

[Correction method] Change

[Correction contents]

FIG. 10

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁶ Identification code Agency reference number FI Technical display location G06F 15/30 N

Claims (8)

[Claims] 1. A transaction processing apparatus for performing a transaction by designating and inputting a specific transaction item to be utilized by a customer, said transaction processing device having a switching means for switching to another item when the designated transaction item is transacted. Processing equipment. 2. The transaction processing apparatus according to claim 1, wherein the switching means switches from the transaction item to the advertisement information. 3. The transaction processing apparatus according to claim 1, wherein the switching means switches from the transaction item to the purchase information of the commodity. 4. The transaction processing apparatus according to claim 1, wherein the switching means switches the transaction item to transaction service information of a specific account. 5. The transaction processing apparatus according to claim 1, wherein the switching means permits the switching based on attribute information of a customer who uses the transaction. 6. The transaction processing apparatus according to claim 1, wherein the switching means permits the switching based on the transaction time. 7. The transaction processing apparatus according to claim 1, wherein the switching means permits the switching based on the account balance of the customer. 8. An automatic deposit payment machine comprising the transaction processing apparatus according to claim 1, 2, 3, 4, 5, 6, or 7.