JPH11213079A - Customer transaction managing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To speedily cope with the change of a customer layer or the change of the contents of transaction due to various cause by providing an information analyzer retrieving a transaction data base to execute information analysis concerning a customer. SOLUTION: ATC 7 is connected to a network 4. This ATC 7 is installed within a business store with an automatic teller machine 1 and is provided for monitoring the transacting state of each machine 1 to detect its fault or to grasp the existing amount of cash. This ATC 7 is newly added with a data base generating part 11, the transaction data base 12 and the information analyzer 13. The data base 12 stores information on a transaction generating time, a transaction completing time, the kind of transaction, transacting customer information, transacting contents, etc., by each transaction. Then, totalling, etc., can be executed by retrieving information with an optional item as a key. The result is analyzed to improve a service to a customer and to the using efficiency of an automatic device.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a customer transaction management system for managing operation information of an automated instrument for automatically executing a transaction such as deposit and withdrawal by a customer operation in a financial institution or the like.

[0002]

2. Description of the Related Art In a financial institution, an automatic transaction device, an automatic transfer machine, and various other automated devices which automatically execute a deposit / deposit transaction by a customer's operation perform various tasks without waiting for the customer. It is widely used as a facility for improving customer service. The transaction results of these automation devices are notified online to the host computer,
The corresponding transaction is executed.

[0003] Generally, a number of automatic transaction devices are arranged in a branch of a financial institution, and an automatic device operation management terminal (automatic teller machine) called ATC determines whether these devices operate properly and execute transactions.・ Total controller)
Managed by When a failure notification is received from any of the automated devices, the failure information is displayed on the operation screen of the ATC and transmitted to a staff member. In addition, various states of the automation equipment are managed and controlled so that transactions can be executed without any trouble.

[0004]

However, the above-mentioned prior art has the following problems to be solved.
Generally, financial institutions have different location conditions for each branch,
The details of the transaction, the customer class, the transaction amount, and the like are various. The staff of the sales office conducts sales activities for customer acquisition in consideration of circumstances specific to the sales office. In addition, various methods are used to provide guidance to customers or publicize new financial products. However, it takes a lot of time and effort to collect such information, and there has been a demand for an information collecting means that can promptly respond to changes in the customer base or transaction contents due to various factors.

[0005]

The present invention employs the following structure to solve the above problems. <Configuration 1> An automated device that automatically executes a predetermined transaction by a customer operation, a transaction database that receives a transfer of the transaction result transmitted from the automated device to the host computer, and stores the transaction result, An information analyzer for searching a transaction database and performing information analysis on the customer.

<Structure 2> The customer transaction management system according to Structure 1, wherein the information analyzer outputs a temporal change in the number of transactions by the customer as utilization time information.

<Structure 3> In the system described in Structure 1, the information analyzer is used when the automated equipment is used in a transaction system shared by different financial institutions. A client transaction management system for outputting transaction comparison information obtained by comparing a transaction with another financial institution with a transaction with another financial institution.

<Configuration 4> In the system described in Configuration 1, the information analyzer searches for the transaction status of a specific account, and when the customer makes a transfer using an automated device, the number of transfers is large. A customer transaction management system that outputs information on a remittee.

<Structure 5> The customer transaction management system according to Structure 1, wherein the information analyzer outputs information on a customer who operates for a long time among the customers who use the automation equipment.

<Structure 6> The customer transaction management system according to Structure 1, wherein the information analyzer outputs information on a customer who has a high degree of use from transactions for a fixed period.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below using specific examples. <Specific Example> FIG. 1 is a block diagram showing a customer transaction management system of the present invention. As shown in FIG.
Is a so-called ATM device for controlling withdrawal, deposit, remittance, etc. of deposits and savings at a financial institution or the like. Usually, a number of automatic transaction devices 1 are arranged in a branch, but a relay device 2 is provided to control the results of these transactions. The relay device 2 is connected to a host computer 6 of a head office 5 via a network 4. The relay device 2 is provided with a transaction result transfer control unit 3, which is configured to transmit the transaction result of the automatic transaction device 1 to the host computer 6 and execute a transaction operation.

An ATC 7 is connected to the network 4. The ATC 7 is installed in a sales office together with the automatic transaction apparatus 1, and is conventionally provided to monitor the transaction status of each automatic transaction apparatus 1, detect a failure thereof, and grasp the cash amount. It was what was.
In the present invention, the ATC 7 is newly provided with a database generator 11, a transaction database 12, and an information analyzer 13.
Is added. The transaction result transfer control unit 3 provided in the relay device 2 transmits a transaction result transmitted from the automatic transaction device 1 to the host computer 6 to the ATC database generation unit 11.
It is configured to have a function to transfer to.

The database generation unit 11 performs a process of receiving data relating to a transaction result to be transmitted to the host computer 6, selecting a key from the data, converting the key into a predetermined data configuration, and storing the converted data in the transaction database 12. This is the part to do. This database generation unit 11
It is composed of a computer program for performing such data conversion processing. The transaction database 12 is configured by a large-capacity storage device such as a hard disk. The information analyzer 13 has a function of searching the transaction database 12 in a manner to be described later, extracting necessary data, and obtaining various information. The ATC 7 is operated by a staff member of a sales office or the like, and has a console 14 for the operation.

FIG. 2 shows a flowchart of the transaction result transmission operation. First, an operation in the case where the automatic transaction apparatus 1 shown in FIG. 1 executes a transaction and the transaction result transfer control unit 3 transmits the result will be described. Step S in FIG.
In step 1, when a transaction occurs in the ATM, a message is generated in the ATM (step S2). For example, as shown in this figure, the message includes a transaction occurrence time 16A, a transaction completion time 16B, a transaction type 16C, and a transaction customer information 16
D, transaction contents 16E, etc. The content of this message may be exactly the same as that transmitted by the conventional automatic transaction device to the host computer.

That is, in the present invention, the data structure of the conventional system can be used as it is.
In step S3, this message is transmitted to the host computer 6, and in step S4, the same message is transmitted to the database generator 11 newly provided according to the present invention.

FIG. 3 is a flowchart showing the operation of the database generator 11 shown in FIG. First, step S1
In step S2, when a message is received from the ATM,
In, the message is checked. If the message is a fault message, the process proceeds to step S5 without performing the original processing, and a status is displayed. If the message is a normal message related to the transaction result, the process proceeds to step S3, and data conversion necessary for storing the content of the message in the database is performed. Here, a process of designating a key of the database and distributing information in the message to each data item of the database is performed.

In step S4, after such data conversion processing is performed, the contents of the transaction database are updated.
That is, the contents of the message are stored in the transaction database. Thus, in the transaction database 12 shown in FIG. 1, as described with reference to FIG. 2, information such as transaction occurrence time, transaction completion time, transaction type, transaction customer information, transaction details, etc. is provided for each transaction. Is stored. Then, it is configured such that information can be searched for and tabulated using any item as a key.

The type of transaction indicates the contents of operations using an automatic transaction device, such as depositing, withdrawing or remittance of a deposit, and entry of a passbook. The transaction customer information is information for identifying the customer, such as the customer's account number and the customer's name. The transaction content is a transaction amount and other data.
These are stored in a database and configured so that they can be searched as needed.

As described above, the ATC provided at the branch office
Has been used to manage automated equipment, but a transaction database is built here, and the database is used for sales and customer service in the manner described later. Therefore, no additional hardware is required,
The present invention can be implemented using conventional hardware as it is. In addition, since various information has been transmitted from the ATM to the ATC, some of the information has been added to the ATC, and the ATC has been converted into a database. It is possible.

Next, a method of actually obtaining various information using the transaction database and a method of using the information will be described with reference to FIG. FIG. 4 shows an explanatory diagram of the transaction database search screen. On the transaction database search screen 20, a search target period, a target transaction, a target account number, a transaction time, and the like can be designated. By performing such designation and searching for data in a predetermined range and analyzing the data, various uses are possible.

FIG. 5 is an explanatory diagram of a transaction database search output screen. The search output screen 21 displays how many target transactions are specified in the specified target period and what the contents are. The screen shown in FIG. 4 and the screen shown in FIG. 5 are displayed on the display of the console 14 shown in FIG. 1, and the search results are printed out by a printer or the like as necessary.

FIG. 6 shows an output result (No. 1) of the information analyzer. For example, the number of transactions per time slot is checked by the above-described search. Also, the number of transactions for each period is checked. In the example of this figure, the number of transactions for each time zone is shown by a bar graph. As a result, the congested time zone and the relatively vacant time zone become clear at a glance. Providing customers with information such as relatively vacant days and vacant time zones by obtaining data such as which time is congested throughout the year and which day is congested throughout the year it can. With such usage time information,
A service that allows customers to proceed with various procedures without waiting for a long time becomes possible.

FIG. 7 shows an output result (No. 2) of the information analyzer. By using the transaction comparison information shown in this figure, it is possible to analyze the ratio of the customer of the own bank to the customer of another bank at the branch, and the like. The ratio of the customer of the own bank to the customer of another bank can be determined by, for example, sorting the customer who has input the account number and the customer who has transmitted using only cash. Further, even within the same bank, it is possible to distinguish the customers of the own business office from the customers of other business offices and obtain the statistics. As a result, it is possible to present a guide to a customer who has a high degree of use to open an account with the bank.

FIG. 8 shows an output result (No. 3) of the information analyzer. This figure shows the result of analyzing the information on the remittance destination for a specific customer. A specific customer A
For example, as shown in this figure, remittance destinations P, Q, R, S, T
Suppose you send money frequently. In this case, the customer is informed of the automatic debit procedure to the customer who frequently performs remittance. This allows the customer to simplify or partially omit the remittance procedure. In addition, this makes it possible for the branch office to increase the use efficiency of the automation equipment.

FIG. 9 shows an output result (No. 4) of the information analyzer. This graph shows the average operation time of the automation equipment for each customer. Such a statistic can be obtained by storing the time of using the automation device in a database for all transactions of each customer. Thereby, for example, when the operation time of a specific customer is very long, it is possible to determine the fact that the customer does not use the transfer card. In addition, an elderly person who is unfamiliar with the operation of the automated equipment may be a customer. In such a case, guidance to use the transfer card is given to the corresponding customer. When there are many remittances to a specific remittance destination, the use of a transfer card can greatly facilitate the transfer transaction processing. By providing appropriate guidance to the relevant customer in accordance with the customer information having a long operation time, the convenience of the customer and the efficient operation of the automation equipment can be achieved.

FIG. 10 shows an output result (No. 3) of the information analyzer. This figure is an analysis of the number of uses for each customer, and shows customer information with a high degree of use. By counting the number of times each customer uses the automation device over a certain period, it is possible to distinguish between very high-use customers and low-use customers. For customers with high usage, sales can be expanded by introducing various new financial products. This can be widely used, in particular, as data for customer visits by a member of a sales office. In addition, it is also possible to improve customer service in such a way that a foreign agent visits and takes over a transaction for a customer who has a high degree of use. In the above description, the transaction database is provided at the business office where the automatic transaction apparatus is installed. However, if there is an appropriate system for managing the automatic transaction apparatuses at a plurality of business offices, the transaction database should be provided there. But it doesn't hurt.

[0027]

According to the customer transaction management system of the present invention described above, a transaction database is provided in the ATC or other information processing device provided in the branch office, and the transaction result of the automated equipment is notified to the database. By analyzing the results, it is possible to improve customer services, increase the use efficiency of the automation equipment, or use it widely for expanding business contents.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a customer transaction management system of the present invention.

FIG. 2 is a flowchart of a transaction result transmission operation.

FIG. 3 is an operation flowchart of a database generation unit.

FIG. 4 is an explanatory diagram of a transaction database search screen.

FIG. 5 is an explanatory diagram of a transaction database search output screen.

FIG. 6 is an output result (No. 1) of the information analyzer.

FIG. 7 is an output result (No. 2) of the information analyzer.

FIG. 8 is an output result (No. 3) of the information analyzer.

FIG. 9 is an output result (No. 4) of the information analyzer.

FIG. 10 is an output result (No. 5) of the information analyzer.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Relay apparatus 3 Transaction result transfer control part 4 Network 5 Head office 6 Host computer 7 ATC of a branch office 11 Database generation part 12 Transaction database 13 Information analyzer 14 Console

Claims (6)

[Claims] 1. An automation device for automatically executing a predetermined transaction by a customer operation, a transaction database for receiving a transfer of a transaction result transmitted from the automation device to a host computer, and accumulating the transaction result; An information analyzer for searching the transaction database and executing information analysis on the customer. 2. The customer transaction management system according to claim 1, wherein the information analyzer outputs a temporal change in the number of transactions by the customer as utilization time information. 3. The system according to claim 1, wherein the information analyzer is provided for the own financial institution when the automation device is used in a transaction system shared between different financial institutions. A customer transaction management system for outputting transaction comparison information obtained by comparing a transaction with a transaction with another financial institution. 4. The system according to claim 1, wherein the information analyzer searches for a transaction status of a specific account, and when the customer makes a transfer using an automated device, a remittance with a large number of transfers is performed. A customer transaction management system that outputs the preceding information. 5. The customer transaction management system according to claim 1, wherein the information analyzer outputs information on a customer who operates for a long time among the customers who use the automation equipment. 6. The customer transaction management system according to claim 1, wherein the information analyzer outputs information on a customer who has been frequently used from transactions for a fixed period.