JPH11316788A - Automatic cash teller machine having home page display function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To display the home pages (PH) of a self-bank, other banks and the other institutions in a transaction waiting time and to provide more information by accessing the HPs of a self-bank, other banks or a transfer destination institution through internet connection. SOLUTION: An automatic cash teller machine 101 having a PC function has an internet access tool in an HDD 103 and can be connected to an internet line network 105 and a WWW server 106 through a modem 104. Also, it is connected to a financial institution server (self-bank) 107 through a financial institution private line from a body controlling part having a financial institution line connection function. The machine 101 can obtain the address of self-HP and the other transaction information through the connection. Further, the server 107 is connected to a different financial institution server 110 through a financial institution mutual line network 109. It can obtain HP address information saved by a different bank server together with transfer transaction information with a different bank through the connection.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a service for providing information to a user of an automatic teller machine and to an improvement in the advertising effect of an institution.

[0002]

2. Description of the Related Art In the prior art, during online processing of a transfer transaction, only a notice from a financial institution currently used is displayed. As for services for users, as disclosed in Japanese Patent Application Laid-Open No. 4-266159, there has been no more than a technique for simplifying the transaction, for example, by eliminating the input of a password and shortening the transaction time. Regarding online connection, refer to Japanese Patent Laid-Open No.
According to Japanese Patent No. 1467, a wireless telephone line is provided for use in maintenance services. In Japanese Patent Application Laid-Open No. Hei 3-85675, more information is provided online only by using the technology of strengthening transaction guidance through TV telephone connection. There was no technology as an information terminal.

[0003]

In the above-mentioned prior art, there is only a system for providing a user with an easy-to-understand transaction environment for a user of the automatic teller machine, and the automatic teller machine is not used as an information terminal. . In addition, there is a problem that only information from the bank itself is displayed as information, and it is not possible to display advertisements and notifications of the institution to which the transfer is made.

A feature of the present invention is that during the transaction processing, not only information from the bank itself but also information and advertisements from other banks and other transfer destination institutions can be displayed on the user screen of the automatic teller machine. In addition, by using the homepage on the Internet for the display, maintenance of the notification screen can be easily performed for each institution,
It can be displayed on an automatic teller machine of various financial institutions.

[0005]

In order to achieve the above object, an Internet homepage is provided by using a tool capable of accessing a WWW server, such as an Internet access tool, in a cash vending machine and installing a modem. To access and to display notices of each financial institution and other transfer-destination institutions.

[0006]

BEST MODE FOR CARRYING OUT THE INVENTION W described in an embodiment of the present invention
The WW server 106 and the Internet network 105 will be described.

[0007] In recent years, the Internet 105 has become a hot topic, and the number of users thereof has been increasing. As a result, the number of dedicated line providers has been increasing. These Internet users and traders set up a homepage (hereinafter abbreviated as HP) and provide it as a place for communication with many users. As a function of the OS, W
Many have a connection to the WW server 106 as a standard function. Conversely, it can be said that a product that has an Internet access tool as a standard and employs these OSs can easily connect to the WWW server 106.

In recent years, the automatic teller machine 101 has been installed not only at financial institutions and its branch offices,
Installations at convenience stores and private financial institutions are also increasing.

[0009] Currently, convenience stores accept payments such as telephone charges and gas charges, but with the installation of automatic machines, automatic machines installed in convenience stores have
It is conceivable that a request for a transfer function for these telephone charges and gas charges comes out.

Therefore, according to the present invention, it is possible to display the notice or advertisement of the paying institution when paying a telephone charge or a gas charge, the other bank in the case of payment to another bank, and the own bank in the case of deposit. This has the effect of increasing the advertising effect of each institution.

Further, since each notification screen only edits the HP, the maintenance of the notification screen can be easily performed by each institution.

Hereinafter, an embodiment of the present invention will be described in detail with reference to FIGS.

FIG. 1 shows a main body control unit 102 having a PC institution and a financial institution line connection function, and an HDD 10 embodying the present invention.
3. Automatic teller machine 101 equipped with modem 104 for Internet connection, Internet network 105,
WWW server 106, dedicated financial institution network 108, financial institution server (own) 107, financial institution mutual network 10
9 is a configuration example of a system including the other financial institution server 110. The automatic teller machine 101 having a PC function is
The HDD 103 has an Internet access tool, and can be connected to an Internet network 105 and a WWW server 106 via a modem 104. In addition, a main body control unit having a financial institution line connection function connects to the financial institution server (own bank) 107 through a financial institution dedicated network. Through this connection, the automatic teller machine 101 can obtain the address of its own HP and other transaction information. The financial institution server 107 is connected to another financial institution server 110 through a financial institution mutual line network 109. With this connection, it is possible to obtain the HP address information saved in the other bank server together with the transfer transaction information with another bank.

Next, the flow of the HP display of the automatic teller machine 101 with the HP display function of the present invention will be described with reference to the flowchart of FIG.

From the transaction waiting screen, the customer selects a transaction 201
When the user selects deposit / withdrawal of his / her own bank, the user selects his / her own HP address registered in the HDD 103 (206), and the HP registered in the WWW server 106 through the modem 104 and the Internet network 105 by the Internet access tool. To access the banknotes while counting (3-5)
(Second), an HP such as a notice from the own bank is displayed on the screen (209). Access and display to the HP requires parallel processing with the transaction operation of the automatic teller machine 101.
It is possible if you use a device with a multitasking function. The display of the HP ends with the display of the transaction end guide screen (210), and a series of transactions ends (211).

When the customer selects the transfer in the transaction selection 201, it is determined whether the transfer destination financial institution is its own bank or another bank (20).
2). If the transfer destination is your own bank, the automatic teller machine 10
1 obtains information on the name of the account from the transfer fulcrum name and account number input by the customer. At this time, if the HP address is registered in the own bank server together with the account name, the HP address can be specified from the owner of the account (gas, telephone company, etc.). It searches whether the HP address of the account institution is registered in its own bank server (203), and if there is an HP, selects the address (207); otherwise, it is registered in the HDD 103 in the automatic teller machine 101. Is selected (206). The selected address is accessed by the Internet access tool, and the HP is displayed (209). If the transfer destination is another bank in the transfer destination selection 202, the automatic teller machine 1
Reference numeral 01 denotes a financial institution server (other bank) 110 via the financial institution dedicated network 108, the financial institution server (own bank) 107, and the financial institution mutual network 109 from the account number input by the customer
The information on whether the transfer destination account has the registered HP address is obtained from (step 204). If there is an HP, the HP address is selected (207), and access and display are performed (20).
9). When there is no HP of the transfer destination account in the transfer destination account HP search 204, or when other transactions other than the transfer are selected in the transaction selection 201, the automatic teller machine 10
1 searches the other-line HP address registered in the other-line server 110 (205). If there is another line HP,
This address is selected (208), and the HP is accessed and displayed by the Internet access tool (20).
9). In the other-line server HP search 205, the other-line HP
If there is no, the user selects his / her own HP address registered in the HDD 103 of the automatic teller machine 101 (206),
HP access and display are performed (209).

The contents of this HP may be advertisements of the institution, such as "Thank you for your use. XX Bank" or "Please use XX from MM / DD! . This content can be easily edited for each institution.

By linking with another bank, it is also possible to display the announcement and advertisement of the own bank at the ATM of the other bank, which is effective for acquiring users other than the conventional users. In addition, with regard to the display of notices other than those of financial institutions, it is possible to propose a new service that has never been seen before by taking a fee or the like.

[0019]

The present invention has the effect of displaying the HP of its own bank, other banks and other institutions in the transaction waiting time, displaying the advertisement of the financial institution and the transfer destination institution, and providing more information. .

In addition, this method has an effect that the maintenance of the advertisement screen can be easily performed for each institution.
Furthermore, since the notice of the own bank can be displayed to the users of other banks, there is an effect that a new user can be acquired.

[Brief description of the drawings]

FIG. 1 is a system configuration example of an automatic teller machine with an HP display function.

FIG. 2 is an HP display flowchart of the automatic teller machine with an HP display function.

[Explanation of symbols]

101: automatic teller machine, 102: main body control unit,
103: HDD, 104: Modem, 105
... Internet circuit network, 106 ... WWW server,
107: financial institution server (own bank), 108: financial institution dedicated network, 109: financial institution mutual network, 110: financial institution server (other bank).

Claims (1)

[Claims] 1. An automatic teller machine which is capable of accessing an own bank, another bank, or a homepage of a transfer destination institution by an Internet connection in a transfer transaction of the automatic teller machine.