WO2016063572A1 - Transaction device and transaction system - Google Patents
Transaction device and transaction system Download PDFInfo
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- WO2016063572A1 WO2016063572A1 PCT/JP2015/067795 JP2015067795W WO2016063572A1 WO 2016063572 A1 WO2016063572 A1 WO 2016063572A1 JP 2015067795 W JP2015067795 W JP 2015067795W WO 2016063572 A1 WO2016063572 A1 WO 2016063572A1
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- Prior art keywords
- transaction
- withdrawal
- control unit
- operator terminal
- amount
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D9/00—Counting coins; Handling of coins not provided for in the other groups of this subclass
Definitions
- the present disclosure relates to a transaction apparatus and a transaction system, and can be applied to, for example, a transaction apparatus and a transaction system installed in a financial institution store, a station, a convenience store, or the like.
- ATM Automatic Teller Machine
- a host server a management server
- the automatic transaction apparatus is performing transactions, such as withdrawing cash.
- the host server or the like manages the customer's transaction limit, and when a transaction with an amount exceeding the customer's transaction limit is performed, the host server or the like notifies the automatic transaction apparatus that the transaction limit is exceeded, The automatic transaction device notifies the customer that the transaction is not possible.
- Japanese Patent Publication No. 3-051030, Japanese Patent Laid-Open No. 7-325978 Japanese Patent Publication No. 3-051030, Japanese Patent Laid-Open No. 7-325978
- the automatic transaction device When the above automatic transaction device is notified by the host server that transactions cannot be performed, the automatic transaction device performs a response such as displaying a message indicating that transactions cannot be performed, but transactions can be made without taking sufficient communication with the customer. It has been terminated.
- the present disclosure provides a transaction apparatus, a transaction system, and a transaction program capable of proceeding with a transaction while sufficiently communicating with a customer.
- the transaction apparatus is a transaction apparatus that performs a withdrawal transaction based on the input transaction information.
- a transaction control unit is provided for performing a withdrawal process based on a withdrawal instruction from the connected operator terminal.
- the transaction system according to the second aspect includes an operator terminal and a transaction apparatus according to the first aspect that performs a withdrawal transaction based on the input transaction information.
- This embodiment exemplifies a case where the present disclosure is applied to, for example, a transaction system having an automatic transaction apparatus (ATM), a financial institution host server, and an operator terminal.
- ATM automatic transaction apparatus
- FIG. 2 is a configuration diagram showing the overall configuration of the transaction system according to the first embodiment.
- the transaction system 5 includes an automatic transaction apparatus (ATM) 1, a financial institution host server 2, and an operator terminal 3 that can be connected to a communication line 4.
- ATM automatic transaction apparatus
- the communication line 4 is a communication line for transferring information between the ATM 1 and the financial institution host server 2 or between the ATM 1 and the operator terminal 3.
- the protocol of the communication line 4 is a communication line in which network security is ensured, and for example, a unique dedicated protocol for each financial institution, TCP / IP (Internet Protocol), or the like can be applied.
- ATM1 is installed in, for example, financial institutions, airports, stations, convenience stores, etc., and performs various transaction processes by customer operations.
- the ATM 1 transmits transaction information including the transaction type and transaction content information input by the customer operation to the financial institution host server 2 or receives transaction execution information executed by the financial institution host server 2.
- Transaction types that ATM1 can handle include, for example, deposit transactions and withdrawal transactions.
- the deposit transaction is a transaction for depositing cash received from a customer, and includes, for example, a deposit transaction for depositing cash and a transfer transaction for depositing cash into a predetermined account.
- the withdrawal transaction is a transaction for paying cash to a customer, and includes, for example, a withdrawal transaction for withdrawing cash from an account.
- the financial institution host server 2 is a host server of a basic system of a financial institution. In this embodiment, the financial institution host server 2 is used, but any server that can determine whether or not the customer's daily transaction limit is exceeded may be used. For example, a server that determines whether or not a transaction can be executed may be interposed between the ATM 1 and the financial institution host server 2.
- the financial institution host server 2 executes a transaction based on the transaction information received from the ATM 1 via the communication line 4 and manages the completed transaction information.
- the financial institution host server 2 manages, for example, a customer's transaction limit (for example, a limit that can be withdrawn in one day, a limit that can be withdrawn in one transaction, etc.) linked to an account number, etc. is doing.
- a customer's transaction limit for example, a limit that can be withdrawn in one day, a limit that can be withdrawn in one transaction, etc.
- the financial institution host server 2 Based on the transaction information acquired from the ATM 1, the financial institution host server 2 notifies the ATM that the current transaction is not possible when the current transaction amount exceeds the transaction limit of the customer.
- the operator terminal 3 is provided, for example, in the video window center 30 or the like, and performs image communication (video communication) with a customer who uses the ATM 1. Thereby, communication can be performed by performing video communication in real time between a customer who uses ATM1 and an operator.
- the operator terminal 3 can remotely control the ATM 1 in response to an operator operation. For example, the operator terminal 3 transmits predetermined screen data to the ATM 1 to display it on the operation display unit 1 of the ATM 1 or receives customer approval even when the withdrawal amount exceeds a predetermined limit. , It is possible to issue a withdrawal instruction to ATM1.
- the video window center 30 is also called, for example, a video teller center (VTC) provided in a network operated by a financial institution.
- VTC video teller center
- the operator terminal 3 is also called an image communication device or a VTC device.
- FIG. 3 is an external configuration diagram showing an external configuration of ATM 1 according to the first embodiment.
- ATM1 which concerns on this embodiment has the operation display part 11, the banknote depositing / withdrawing port 12, the coin depositing / withdrawing port 13, the bankbook entrance / exit 14, the card entrance / exit 15, the imaging part 16, and the handset 17.
- the operation display unit 11 displays, for example, a transaction type selection menu screen, an operation screen for each transaction type, a transaction content confirmation screen, and the like, and takes in input information input by a customer.
- a touch panel type operation display unit can be applied to the operation display unit 12.
- the operation display unit 12 is not limited to the touch panel system in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different from each other.
- the banknote deposit / withdrawal port 12 accepts banknotes inserted by customers or discharges banknotes.
- the coin deposit / withdrawal port 13 accepts coins input by customers or discharges coins.
- the bankbook entry / exit port 14 accepts a bankbook inserted by the customer or discharges the bankbook.
- the card entry / exit 15 accepts a cash card inserted by the customer or discharges the cash card.
- the imaging unit 16 is a camera that images customers. In this embodiment, although the case where the imaging part 16 is mounted in the inside of ATM1 is illustrated, you may be provided in the vicinity of ATM1. A plurality of imaging units 16 may be provided, and all or any of the images captured by the plurality of imaging units 16 may be transmitted to the operator terminal 3.
- the handset 17 is used to make a call with the operator of the video window center 30.
- FIG. 1 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the first embodiment.
- the ATM 1 includes, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 1 functionally shows the internal configuration of the ATM 1.
- ATM1 is transaction control part 21, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, and imaging control part. 29.
- the transaction control unit 21 is a processing unit or device that controls the overall function of the ATM 1.
- the transaction control unit 21 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, and the like, and various functions of the ATM 1 are realized by the CPU executing a processing program stored in the ROM.
- the function of ATM1 may be constructed by installing the processing program. Even in this case, the function can be shown in FIG.
- the transaction control unit 21 includes a transaction processing unit 211 and an image communication connection request unit 212.
- the transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation.
- the transaction processing unit 211 accepts the input of cash to be deposited, counts the inserted cash, and causes the customer to confirm the deposit amount.
- the transaction processing unit 211 notifies the financial institution host server 2 of transaction information including the deposit amount. Then, upon receiving the approval from the financial institution host server 2, the ATM 1 stores the inserted cash and ends the deposit transaction.
- the transaction processing unit 211 transmits transaction information including the input withdrawal amount to the financial institution host server 2.
- the financial institution host server 2 accepts the withdrawal based on the transaction information
- the ATM 1 withdraws the cash stored in the ATM 1 and ends the withdrawal transaction.
- the transaction processing unit 211 of the transaction control unit 21 is in the middle of a transaction, and when the call connection is made with the operator terminal 3 by the image communication control unit 22, the current transaction is continued while the call connection is continued. Do not exit.
- the transaction when receiving a notification from the financial host server 2 that the transaction exceeds the transaction limit, the transaction is terminated after displaying a predetermined display screen on the operation display unit 11.
- the financial host server 2 even if the financial host server 2 receives a notification that the transaction exceeds the daily transaction limit, the transaction is not terminated because the connection with the operator terminal 3 is made. .
- the image communication connection requesting unit 212 connects to the operator terminal 3 to connect to the image communication control unit 22. Is to make an image communication connection request.
- the image communication control unit 22 When the image communication control unit 22 acquires the image communication connection request from the transaction control unit 21, the image communication control unit 22 requests a call connection to the operator terminal 3 and performs image and information communication processing with the image communication control unit 22. Do. Various methods can be widely applied to call control between the image communication control unit 22 and the operator terminal 3, for example, SIP (Session Initiation Protocol) or H.264.
- the image communication control unit 22 connects a call with the operator terminal 3 using a communication protocol such as H.323.
- a communication protocol such as H.323.
- the call control method an existing method can be applied, and a detailed description thereof is omitted here.
- the image communication control unit 22 performs video communication with the operator terminal 3 after establishing a call with the operator terminal 3.
- the image communication control unit 22 forms a packet based on the image signal picked up by the image pickup unit 16 of the ATM 1 and the audio signal from the handset 17 and transmits the packet to the operator terminal 3 or receives the packet received from the operator terminal 3.
- the included image signal is displayed on the operation display unit 11, and the voice included in the received packet is output to the handset 17.
- the storage unit 23 is a processing program executed by the transaction control unit 21 or the image communication control unit 22, various information necessary for information processing, a display screen displayed on the operation display unit 11 (even if a still image or a moving image is included). Good.) Etc.
- the storage unit 23 is used as secondary storage means by the control unit 21, and for example, a nonvolatile storage device such as a flash memory, a hard disk (HDD), a storage medium (for example, a CD-R) can be applied.
- the communication unit 24 is a network interface for communicating information between the financial institution host server 2 and the operator terminal 3.
- the communication unit 24 receives screen data and withdrawal instruction data transmitted from the operator terminal 3 and gives the received data to the transaction control unit 21. Thereby, the screen data received by the remote operation from the operator terminal 3 can be displayed on the operation display unit 11 or the withdrawal process can be executed based on the withdrawal instruction from the operator terminal 3.
- the operation display control unit 25 controls the user interface function of ATM1. Specifically, the operation display control unit 25 presents an operation screen to the user using, for example, the touch panel type operation display unit 11, outputs information to the user, accepts an operation from the user (menu selection, transaction Type input, money amount input, number input, etc.) or a screen (an operator image, a specific input screen, etc.) acquired from the operator terminal 3 of the video window center 30 is displayed.
- the operation display control unit 25 presents an operation screen to the user using, for example, the touch panel type operation display unit 11, outputs information to the user, accepts an operation from the user (menu selection, transaction Type input, money amount input, number input, etc.) or a screen (an operator image, a specific input screen, etc.) acquired from the operator terminal 3 of the video window center 30 is displayed.
- the card mechanism unit 26 gives the data stored in the data storage unit of a card (for example, a cash card, a credit card, etc.) inserted from the card entrance / exit 15 to the transaction control unit 21 or writes data to the card Or do.
- a card for example, a cash card, a credit card, etc.
- the passbook mechanism unit 27 performs data reading, data writing, passbook entry processing, etc. of the data storage unit such as the magnetic stripe of the passbook inserted into the passbook entry / exit 14.
- the cash mechanism unit 28 has a function of storing the received money (banknotes and / or coins) and a function of withdrawing the stored money to the user.
- the cash mechanism unit 27 deposits / withdraws banknotes from the banknote deposit / withdrawal port 12 and deposits / withdraws coins from the coin deposit / withdrawal port 13.
- the imaging control unit 29 controls the operation of the imaging unit 16. After the image communication control unit 22 establishes a call with the operator terminal 3, the imaging control unit 29 sets the imaging operation of the imaging unit 16 to ON and images a customer who uses the ATM 1. The image picked up by the image pickup unit 16 is transmitted to the opposing operator terminal 3.
- FIG. 4 is a flowchart showing the flow of processing operation of the withdrawal transaction in the transaction system 5 according to the first embodiment.
- a menu screen is displayed on the operation display unit 11 of the ATM 1, and a withdrawal transaction selection button is selected by the customer.
- the transaction processing unit 211 of the transaction control unit 21 displays an operation screen for the withdrawal transaction on the operation display unit 11.
- the customer inserts a card, inputs a password, inputs a withdrawal amount, and selects a confirmation button (S101).
- the transaction processing unit 211 starts communication with the financial institution host server 2 and transmits the acquired transaction information including card information, personal identification number, withdrawal amount, etc. to the financial institution host server 2 (S102). .
- the financial institution host server 2 acquires transaction information (S103), confirms the daily transaction limit of the customer based on the received card information, and determines the transaction amount related to the current withdrawal transaction of the customer. It is confirmed whether or not the transaction limit is exceeded (S104). If the transaction amount does not exceed the daily transaction limit, the process proceeds to S105, and a normal withdrawal process is executed (S105).
- the financial institution host server 2 notifies the ATM 1 that the transaction exceeds the daily transaction limit (S106). Then, in ATM1, the image communication connection request unit 212 of the transaction control unit 21 makes a connection request with the operator terminal 3 to the image communication control unit 22 (S107). In response to this, the image communication control unit 22 of the ATM 1 makes a connection request to the operator terminal 3 of the video window center 30, and between the image communication control unit 22 of the ATM 1 and the operator terminal 3 by a predetermined call connection process. Then, the call is established and connected (S107, S108). At this time, the ATM 1 may display on the operation display unit 11 a screen including guidance indicating that the transaction amount exceeds the daily transaction limit and whether the transaction may be terminated.
- real-time online video communication starts between the ATM 1 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator explains that the transaction amount related to the current withdrawal transaction exceeds the daily transaction limit of the customer (S109). ).
- ATM1 obtains approval from the customer (S110).
- the customer approval screen 500 illustrated in FIG. 11 is displayed on the operation display unit 11 of ATM1.
- the transaction amount exceeds the customer's daily transaction limit.
- “Exit” button 501 for ending the transaction because the transaction amount exceeds the daily transaction limit
- “Approve” button (confirmation button) 502 for approving withdrawal exceeding the transaction limit, etc.
- a screen containing is displayed.
- the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115).
- the operator terminal 3 issues a withdrawal instruction to the ATM 1 in response to the operator's operation (S112).
- the transaction control unit 21 of ATM 1 has exceeded the daily transaction limit, but if the operator's approval is obtained, the transaction control unit 21 withdraws the transaction amount exceeding the transaction limit. Money is possible.
- ATM1 treats it as a transaction with a withdrawal amount instructed to withdraw, and counts and dispenses banknotes (S113). Then, when the dispensed banknote is received by the customer (S114), the transaction ends (S115).
- the image communication device (VTC device) of the video window center and the ATM cooperate with each other, and one sunrise of the ATM. Withdrawal transactions exceeding the gold transaction limit can be realized. In particular, when it is determined that the ATM withdrawal amount is exceeded, a good service can be provided by automatically connecting the ATM to the VTC device.
- This embodiment exemplifies a case where the present disclosure is applied to, for example, a transaction system having an automatic transaction apparatus (ATM) and a financial institution host server.
- ATM automatic transaction apparatus
- (B-1) Configuration of Second Embodiment The second embodiment is different from the first embodiment in the function processing of the transaction control unit of ATM.
- the overall configuration of the transaction system and the external configuration of ATM 1 are basically the same as those in the first embodiment. Therefore, also in 2nd Embodiment, it demonstrates using FIG.2 and FIG.3 which concern on 1st Embodiment.
- FIG. 5 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the second embodiment.
- the ATM 1 is configured to include, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 5 functionally illustrates the internal configuration of the ATM 1.
- ATM1 is transaction control part 21A, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, imaging control part. 29.
- the image communication control unit 22, the storage unit 23, the communication unit 24, the operation display control unit 25, the card mechanism unit 26, the passbook mechanism unit 27, the cash mechanism unit 28, and the imaging control unit 29 are the same as or correspond to those in the first embodiment. Therefore, detailed description here is omitted.
- the transaction control unit 21A is a processing unit or device that controls the overall function of the ATM 1, as in the first embodiment.
- the main functions of the transaction control unit 21A include a transaction processing unit 211, a remaining number management unit 213, and an image communication connection request unit 212.
- the transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation. .
- the remaining number management unit 213 manages the number of banknotes stored in the ATM 1 cash storage cassette for each denomination. In the withdrawal transaction, the remaining number management unit 213 obtains the number of denominations to be withdrawn based on the transaction amount, and checks whether the number of denominations of the transaction amount is stored in the cash storage cassette.
- the image communication connection request unit 212 controls the image communication control to connect with the operator terminal 3 when the number of denominations corresponding to the transaction amount to be withdrawn by the remaining number management unit 213 is not stored in the cash storage cassette. An image communication connection request is made to the unit 22. Thereby, when withdrawing money exceeding the number of denominations stored in the ATM 1, the call between the customer and the operator can be started by video communication.
- FIG. 6 is a flowchart showing the flow of processing operation of a withdrawal transaction in the transaction system 5 according to the second embodiment.
- a menu screen is displayed on the operation display unit 11 of the ATM 1, and a withdrawal transaction selection button is selected by the customer.
- the transaction processing unit 211 of the transaction control unit 21 displays an operation screen for the withdrawal transaction on the operation display unit 11.
- the customer inserts a card, inputs a password, inputs a withdrawal amount, and selects a confirmation button (S101).
- the remaining number management unit 213 determines whether or not the number of denominations related to withdrawal exceeds the number of denominations (remaining number) of cash currently stored in ATM1. Is determined (S201). If the number of denominations related to withdrawal does not exceed the current ATM1 denomination, the process proceeds to S105, and normal withdrawal processing is executed (S105).
- the image communication connection requesting unit 212 of the transaction control unit 21 sends an image communication control unit 22 to the operator terminal 3.
- a connection request is made (S107).
- the image communication control unit 22 of the ATM 1 makes a connection request to the operator terminal 3 of the video window center 30, and between the image communication control unit 22 of the ATM 1 and the operator terminal 3 by a predetermined call connection process.
- the call is established (S107, S108).
- ATM1 obtains approval from the customer (S110).
- a customer approval screen 510 illustrated in FIG. 12 is displayed on the operation display unit 11 of ATM1.
- the customer approval screen 510 shown in FIG. 12 is displayed by video communication such as, for example, “The transaction amount exceeds the remaining amount in the ATM. Will you withdraw with the amount within the current remaining amount in the ATM?” “Expend” button 511 to terminate the transaction when the transaction amount exceeds the amount stored in the current ATM1 and the amount of money currently stored in ATM1 is approved.
- a screen including a “button” (confirmation button) 512 and the like is displayed. Moreover, you may make it display the shortage amount with respect to ATM remaining amount amount and transaction amount like the customer approval screen 510 illustrated in FIG.
- the number of denominations that can be traded in the current ATM 1 may be displayed for each denomination. .
- the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115).
- the operator terminal 3 instructs the ATM1 to withdraw. (S112).
- the transaction control unit 21 of the ATM 1 that has received the withdrawal instruction can withdraw money with the amount stored in the current ATM 1 when approval by the operator is obtained.
- ATM1 handles the transaction as a withdrawal amount instructed to withdraw, and counts banknotes (S113). At this time, when a withdrawal transaction is performed with the amount stored in the ATM 1, the amount initially input by the customer in the current withdrawal transaction and the amount to be actually withdrawn are different.
- the withdrawal amount re-input screen 520 illustrated in FIG. 13 may be displayed on the operation display unit 11 of the ATM 1.
- the operation screen for the withdrawal transaction is displayed again, the customer is allowed to correct the withdrawal amount, and the transaction can be continued with the revised withdrawal amount.
- a guidance display such as “The remaining amount in ATM is XX yen. Please enter the transaction amount again.”
- “End” "Button 521 and a" confirm "button 522 that is selected after confirming the transaction amount after the transaction amount is entered.
- the withdrawal with the amount specified in the remaining number of sheets (remaining amount) in the current ATM 1 is accepted.
- a new withdrawal transaction can be performed with the amount stored in the ATM 1.
- the image communication apparatus (VTC apparatus) and the ATM cooperate with each other, so that the cash is less than the customer request amount. If the customer approves and the banker approves, the withdrawal can be made. In particular, when it is determined that the number of cash in the ATM is less than the number requested by the customer, the ATM can automatically provide a good service by connecting to the VTC device.
- the ATM 1 when the transaction amount exceeds the transaction limit amount, or when the transaction amount exceeds the amount stored in the ATM 1, the ATM 1 displays a security key, and the customer's mobile terminal displays the video. Enable communication with the operator terminal of the counter center.
- FIG. 7 is a configuration diagram showing the overall configuration of a transaction system according to the third embodiment.
- the transaction system 5 according to the third embodiment includes an automatic transaction apparatus (ATM) 1, a financial institution host server 2, an operator terminal 3, and a mobile terminal 6 that can be connected to the communication line 4.
- ATM automatic transaction apparatus
- the mobile terminal 6 is a mobile terminal having a communication function possessed by a customer, and for example, a smartphone, a tablet terminal, a mobile phone or the like can be applied.
- a smartphone a tablet terminal
- a mobile phone or the like can be applied.
- the ATM 1 displays a security key for connection with the operator terminal 3.
- the customer connects to the operator terminal 3 using the displayed security key, and the customer can communicate with the operator.
- FIG. 8 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the third embodiment.
- the ATM 1 is configured to include, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 8 functionally illustrates the internal configuration of the ATM 1.
- ATM1 is transaction control part 21B, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, imaging control part. 29.
- the image communication control unit 22, the storage unit 23, the communication unit 24, the operation display control unit 25, the card mechanism unit 26, the passbook mechanism unit 27, the cash mechanism unit 28, and the imaging control unit 29 are the same as or correspond to those in the first embodiment. Therefore, detailed description here is omitted.
- the transaction control unit 21 ⁇ / b> B is a processing unit or device that controls the overall function of the ATM 1 as in the first and second embodiments.
- Main functions of the transaction control unit 21B include a transaction processing unit 211 and a security key display control unit 214.
- the transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation. .
- the security key display control unit 214 is configured to display a security key for connecting to the operator terminal 3 when the transaction amount exceeds the transaction limit amount or when the transaction amount exceeds the amount stored in the ATM 1. 11 is displayed.
- the security key is information necessary for connecting to the operator terminal 3.
- the security key can be a character string including numbers and alphabets.
- the security key display control unit 214 is a security key that uniquely identifies a transaction when the transaction amount exceeds the transaction limit amount or the number of sheets stored in the ATM 1 as in the first embodiment or the second embodiment. To display the security key.
- FIG. 9 and FIG. 10 are flowcharts showing the flow of the processing operation of the withdrawal transaction in the transaction system 5 according to the third embodiment.
- the third embodiment can be applied to either the case where the transaction amount exceeds the transaction limit amount or the case where the transaction amount exceeds the amount stored in the ATM 1.
- a menu screen is displayed on the operation display unit 11 of the ATM 1, and a withdrawal transaction selection button is selected by the customer.
- the transaction processing unit 211 of the transaction control unit 21 displays an operation screen for the withdrawal transaction on the operation display unit 11.
- the customer inserts a card, inputs a password, inputs a withdrawal amount, and selects a confirmation button (S101).
- the transaction processing unit 211 starts communication with the financial institution host server 2 and transmits the acquired transaction information including card information, personal identification number, withdrawal amount, etc. to the financial institution host server 2 (S102). .
- the financial institution host server 2 acquires transaction information (S103), confirms the daily transaction limit of the customer based on the received card information, and determines the transaction amount related to the current withdrawal transaction of the customer. It is confirmed whether or not the transaction limit is exceeded (S104). If the transaction amount does not exceed the daily transaction limit, the process proceeds to S105, and a normal withdrawal process is executed (S105).
- the financial institution host server 2 notifies the ATM 1 that the transaction exceeds the daily transaction limit.
- the security key display control unit 214 issues a security key and displays the security key on the operation display unit 11 (S301).
- FIG. 14 is a screen diagram showing an example of a security key display screen according to the third embodiment.
- the security key display screen 530 illustrated in FIG. 14 is, for example, “The transaction amount exceeds the customer's daily transaction limit. Please contact the following contact information on the customer's mobile terminal.” As shown, the current transaction amount exceeds the transaction limit amount and the contact information is displayed. Further, the security key display screen 530 of FIG. 14 displays, for example, a telephone number, URL, etc. as connection destination information of the operator terminal 3. Furthermore, the security key display screen 530 of FIG. 14 displays a security key 534 for uniquely identifying the transaction of the customer, such as “security key: aaa 112bbbb”. As illustrated in FIG. 14, the security key display screen 530 may display code information 533 such as a two-dimensional code or a barcode including connection destination information of the operator terminal 3, for example. Thereby, the mobile terminal 6 can read the code information and access the operator terminal 6 by customer operation.
- code information 533 such as a two-dimensional code
- the customer connects to the operator terminal 3 displayed on the display screen using his / her mobile terminal 6 (S302, S303), and inputs the security key displayed on the display screen (S304).
- the security key input process in S304 will be described.
- the display screen of the mobile terminal 6 is provided with a security key input field, and the security key is input into the security key input field.
- the operator terminal 3 verifies the input security key, and if it is valid, the operator terminal 3 and the portable terminal 6 may be connected.
- the operator terminal 6 calls the telephone number displayed on the display screen, connects to the automatic voice response (IVR) system of the video counter center 30, and inputs the security key in the automatic voice response system.
- the operator terminal 3 verifies the input security key, and if it is valid, the operator terminal 3 and the portable terminal 6 may be connected.
- the customer may call the video window center 30 with the mobile terminal 6 and verbally convey the security key to the operator during the conversation with the operator.
- real-time online video communication is started between the portable terminal 6 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator explains that the transaction amount relating to the current withdrawal transaction exceeds the daily transaction limit of the customer (S305). ), ATM1 obtains approval from the customer (S110). For example, the customer approval screen 500 of FIG. 11 according to the first embodiment is displayed on the operation display unit 11 of ATM1.
- the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115). .
- the operator terminal 3 issues a withdrawal instruction to the ATM 1 in response to the operator's operation (S112).
- the transaction control unit 21 of ATM 1 has exceeded the daily transaction limit, but if the operator's approval is obtained, the transaction control unit 21 withdraws the transaction amount exceeding the transaction limit. Money is possible.
- ATM1 treats it as a transaction with a withdrawal amount instructed to withdraw, and counts and dispenses banknotes (S113). Then, when the dispensed banknote is received by the customer (S114), the transaction ends (S115).
- the ATM when the withdrawal amount entered at the ATM exceeds the transaction limit amount or the balance of the cash stored in the ATM (remaining number), the ATM is in the video contact center.
- the financial institution host server may notify the operator terminal of the video window center, and the operator terminal may make a call connection with the ATM. That is, the call connection from the ATM side to the operator terminal is not limited, and the call connection may be made from the operator terminal side to the ATM side.
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Abstract
Provided is a transaction device for carrying out a cash withdrawal transaction on the basis of inputted transaction information. This transaction device is equipped with a transaction control unit (21) that, in the event that an inputted cash withdrawal amount exceeds a prescribed limit amount, performs a cash withdrawal process on the basis of a cash withdrawal command from a connected operator terminal (3). The transaction device is further equipped with a connection control unit that, in the event that an inputted cash withdrawal amount exceeds a prescribed limit amount, performs a connection process to the operator terminal (3), which is capable of voice and video communication. Optionally, the transaction control unit (21) may perform a cash withdrawal process on the basis of a cash withdrawal command acquired from the operator terminal (3) through the connection processing unit.
Description
本開示は、取引装置及び取引システムに関し、例えば、金融機関の店舗や駅やコンビニエンスストア等に設置されている取引装置及び取引システムに適用し得る。
The present disclosure relates to a transaction apparatus and a transaction system, and can be applied to, for example, a transaction apparatus and a transaction system installed in a financial institution store, a station, a convenience store, or the like.
近年のネットワークセキュリティの進展に伴い、自動取引装置(ATM:Automatic Teller Machine)は、ネットワークを通じて、ホストサーバや管理サーバ(以下、ホストサーバ等と呼ぶ。)と接続して取引情報の授受を行なっている。そして、取引情報のホストサーバ等から承諾を受けると、自動取引装置は現金を出金する等の取引を行なっている。
Along with the development of network security in recent years, automatic transaction devices (ATM: Automatic Teller Machine) are connected to a host server or a management server (hereinafter referred to as a host server) through the network to exchange transaction information. Yes. And when it receives consent from the host server etc. of transaction information, the automatic transaction apparatus is performing transactions, such as withdrawing cash.
例えば、ホストサーバ等は顧客の取引限度額を管理しており、顧客の取引限度額を超える金額の取引が行われる場合、ホストサーバ等は自動取引装置に取引限度額を超えることを通知し、自動取引装置は取引ができないことを顧客に通知している。(例えば、特公平3-051030号公報、特開平7-325978号公報。)
For example, the host server or the like manages the customer's transaction limit, and when a transaction with an amount exceeding the customer's transaction limit is performed, the host server or the like notifies the automatic transaction apparatus that the transaction limit is exceeded, The automatic transaction device notifies the customer that the transaction is not possible. (For example, Japanese Patent Publication No. 3-051030, Japanese Patent Laid-Open No. 7-325978)
上記自動取引装置は、ホストサーバ等から取引ができないことが通知されると、取引ができない旨を表示する等の対応を行なっているが、顧客との間で十分なコミュニケーションを取ることなく取引を終了させている。
When the above automatic transaction device is notified by the host server that transactions cannot be performed, the automatic transaction device performs a response such as displaying a message indicating that transactions cannot be performed, but transactions can be made without taking sufficient communication with the customer. It has been terminated.
そのため、自動取引装置を利用する顧客との間で十分にコミュニケーションを図りながら、取引を実行することが強く望まれている。
Therefore, it is strongly desired to execute transactions while sufficiently communicating with customers who use automatic transaction devices.
本開示は、上記課題に鑑み、顧客との間で十分にコミュニケーションを図りながら、取引を進めることができる取引装置、取引システム及び取引プログラムを提供する。
In view of the above problems, the present disclosure provides a transaction apparatus, a transaction system, and a transaction program capable of proceeding with a transaction while sufficiently communicating with a customer.
上記課題を解決するために、第1の態様の取引装置は、入力された取引情報に基づいて出金取引を行なう取引装置において、入力された出金金額が所定の限度額を超える場合に、接続しているオペレータ端末からの出金指示に基づいて、出金処理を行なう取引制御部を備える。
In order to solve the above-described problem, the transaction apparatus according to the first aspect is a transaction apparatus that performs a withdrawal transaction based on the input transaction information. When the input withdrawal amount exceeds a predetermined limit amount, A transaction control unit is provided for performing a withdrawal process based on a withdrawal instruction from the connected operator terminal.
第2の態様の取引システムは、オペレータ端末と、入力された取引情報に基づいて出金取引を行なう第1の態様の取引装置と、を備える。
The transaction system according to the second aspect includes an operator terminal and a transaction apparatus according to the first aspect that performs a withdrawal transaction based on the input transaction information.
本開示によれば、顧客との間で十分にコミュニケーションを図りながら、出金取引を進めることができる。
According to the present disclosure, it is possible to proceed with a withdrawal transaction while sufficiently communicating with the customer.
(A)第1の実施形態
以下では、本発明の取引装置及び取引システムの実施形態を、図面を参照しながら詳細に説明する。 (A) 1st Embodiment Below, embodiment of the transaction apparatus and transaction system of this invention is described in detail, referring drawings.
以下では、本発明の取引装置及び取引システムの実施形態を、図面を参照しながら詳細に説明する。 (A) 1st Embodiment Below, embodiment of the transaction apparatus and transaction system of this invention is described in detail, referring drawings.
この実施形態は、例えば自動取引装置(ATM)と金融機関ホストサーバとオペレータ端末とを有する取引システムに、本開示を適用する場合を例示する。
This embodiment exemplifies a case where the present disclosure is applied to, for example, a transaction system having an automatic transaction apparatus (ATM), a financial institution host server, and an operator terminal.
(A-1)第1の実施形態の構成
(A-1-1)取引システムの全体構成
図2は、第1の実施形態に係る取引システムの全体構成を示す構成図である。図2において、この実施形態に係る取引システム5は、通信回線4に接続可能な、自動取引装置(ATM)1、金融機関ホストサーバ2、オペレータ端末3を有する。 (A-1) Configuration of First Embodiment (A-1-1) Overall Configuration of Transaction System FIG. 2 is a configuration diagram showing the overall configuration of the transaction system according to the first embodiment. In FIG. 2, the transaction system 5 according to this embodiment includes an automatic transaction apparatus (ATM) 1, a financialinstitution host server 2, and an operator terminal 3 that can be connected to a communication line 4.
(A-1-1)取引システムの全体構成
図2は、第1の実施形態に係る取引システムの全体構成を示す構成図である。図2において、この実施形態に係る取引システム5は、通信回線4に接続可能な、自動取引装置(ATM)1、金融機関ホストサーバ2、オペレータ端末3を有する。 (A-1) Configuration of First Embodiment (A-1-1) Overall Configuration of Transaction System FIG. 2 is a configuration diagram showing the overall configuration of the transaction system according to the first embodiment. In FIG. 2, the transaction system 5 according to this embodiment includes an automatic transaction apparatus (ATM) 1, a financial
通信回線4は、ATM1と金融機関ホストサーバ2との間、若しくは、ATM1とオペレータ端末3との間で、情報を授受する通信回線である。通信回線4のプロトコルは、ネットワークセキュリティが確保されている通信回線であり、例えば金融機関毎の独自の専用プロトコルや、TCP/IP(インターネットプロトコル)等を適用することができる。
The communication line 4 is a communication line for transferring information between the ATM 1 and the financial institution host server 2 or between the ATM 1 and the operator terminal 3. The protocol of the communication line 4 is a communication line in which network security is ensured, and for example, a unique dedicated protocol for each financial institution, TCP / IP (Internet Protocol), or the like can be applied.
ATM1は、例えば金融機関、空港、駅、コンビニエンスストア等に設置され、顧客操作により種々の取引処理を行う。ATM1は、顧客操作により入力された取引種別や取引内容情報を含む取引情報を金融機関ホストサーバ2に送信したり、又金融機関ホストサーバ2により実行される取引実行情報を受信したりする。
ATM1 is installed in, for example, financial institutions, airports, stations, convenience stores, etc., and performs various transaction processes by customer operations. The ATM 1 transmits transaction information including the transaction type and transaction content information input by the customer operation to the financial institution host server 2 or receives transaction execution information executed by the financial institution host server 2.
ATM1が取り扱うことができる取引種別には、例えば、入金取引、出金取引等がある。入金取引は、顧客から受け取った現金を入金する取引であり、例えば、現金を預け入れる預け入れ取引や、所定の口座に現金を振り込む振込取引等がある。出金取引は、顧客に対して現金を支払う取引であり、例えば、口座から現金を引き出す引き出し取引等がある。
Transaction types that ATM1 can handle include, for example, deposit transactions and withdrawal transactions. The deposit transaction is a transaction for depositing cash received from a customer, and includes, for example, a deposit transaction for depositing cash and a transfer transaction for depositing cash into a predetermined account. The withdrawal transaction is a transaction for paying cash to a customer, and includes, for example, a withdrawal transaction for withdrawing cash from an account.
金融機関ホストサーバ2は、金融機関の基幹システムのホストサーバである。なお、この実施形態では、金融機関ホストサーバ2としているが、顧客の1日の取引限度額を超えているか否かを判断できるサーバであればよい。例えば、ATM1と金融機関ホストサーバ2との間に、取引実行可能か否かを判断するサーバを介在させるようにしてもよい。
The financial institution host server 2 is a host server of a basic system of a financial institution. In this embodiment, the financial institution host server 2 is used, but any server that can determine whether or not the customer's daily transaction limit is exceeded may be used. For example, a server that determines whether or not a transaction can be executed may be interposed between the ATM 1 and the financial institution host server 2.
金融機関ホストサーバ2は、通信回線4を介してATM1から受信した取引情報に基づいて取引を実行したり、完了した取引情報を管理したりする。金融機関ホストサーバ2は、例えば、顧客の取引限度額(例えば、1日で出金可能な限度額や、1回の取引で出金可能な限度額等)を口座番号等に紐付けて管理している。金融機関ホストサーバ2は、ATM1から取得した取引情報に基づいて、今回の取引額が、顧客の取引限度額を超えている場合には、今回の取引ができない旨を当該ATMに通知する。
The financial institution host server 2 executes a transaction based on the transaction information received from the ATM 1 via the communication line 4 and manages the completed transaction information. The financial institution host server 2 manages, for example, a customer's transaction limit (for example, a limit that can be withdrawn in one day, a limit that can be withdrawn in one transaction, etc.) linked to an account number, etc. is doing. Based on the transaction information acquired from the ATM 1, the financial institution host server 2 notifies the ATM that the current transaction is not possible when the current transaction amount exceeds the transaction limit of the customer.
オペレータ端末3は、例えば、ビデオ窓口センタ30等に設けられており、ATM1を利用する顧客との間で画像通信(ビデオ通信)を行なう。これにより、ATM1を利用する顧客とオペレータとの間で、リアルタイムでビデオ通信を行なうことで、コミュニケーションを取ることができる。オペレータ端末3は、オペレータ操作を受けて、ATM1に対して遠隔操作を行なうことができる。例えば、オペレータ端末3は、所定の画面データをATM1に送信してATM1の操作表示部1に表示させたり、出金金額が所定の限度額を超えている場合でも、顧客の承認を受けることで、ATM1に対して出金指示を行なったりすることができる。
The operator terminal 3 is provided, for example, in the video window center 30 or the like, and performs image communication (video communication) with a customer who uses the ATM 1. Thereby, communication can be performed by performing video communication in real time between a customer who uses ATM1 and an operator. The operator terminal 3 can remotely control the ATM 1 in response to an operator operation. For example, the operator terminal 3 transmits predetermined screen data to the ATM 1 to display it on the operation display unit 1 of the ATM 1 or receives customer approval even when the withdrawal amount exceeds a predetermined limit. , It is possible to issue a withdrawal instruction to ATM1.
ビデオ窓口センタ30は、例えば金融機関によって運用されるネットワーク内に設けられたVideo Teller Center(VTC)とも呼ばれている。また、オペレータ端末3は、画像通信装置又はVTC装置などとも呼ばれている。
The video window center 30 is also called, for example, a video teller center (VTC) provided in a network operated by a financial institution. The operator terminal 3 is also called an image communication device or a VTC device.
(A-1-2)ATMの詳細な構成
図3は、第1の実施形態に係るATM1の外観構成を示す外観構成図である。図3において、この実施形態に係るATM1は、操作表示部11、紙幣入出金口12、硬貨入出金口13、通帳入出口14、カード入出口15、撮像部16、送受話器17を有する。 (A-1-2) Detailed Configuration of ATM FIG. 3 is an external configuration diagram showing an external configuration ofATM 1 according to the first embodiment. In FIG. 3, ATM1 which concerns on this embodiment has the operation display part 11, the banknote depositing / withdrawing port 12, the coin depositing / withdrawing port 13, the bankbook entrance / exit 14, the card entrance / exit 15, the imaging part 16, and the handset 17.
図3は、第1の実施形態に係るATM1の外観構成を示す外観構成図である。図3において、この実施形態に係るATM1は、操作表示部11、紙幣入出金口12、硬貨入出金口13、通帳入出口14、カード入出口15、撮像部16、送受話器17を有する。 (A-1-2) Detailed Configuration of ATM FIG. 3 is an external configuration diagram showing an external configuration of
操作表示部11は、例えば、取引種類の選択メニュー画面、各取引種類の操作画面、取引内容の確認画面等を表示したり、顧客が入力した入力情報を取り込んだりする。操作表示部12は、例えば、タッチパネル方式の操作表示部を適用することができる。なお、操作表示部12は、操作部と表示部とが一体となったタッチパネル方式に限らず、操作部と表示部とがそれぞれ物理的に別の構成であってもよい。
The operation display unit 11 displays, for example, a transaction type selection menu screen, an operation screen for each transaction type, a transaction content confirmation screen, and the like, and takes in input information input by a customer. For example, a touch panel type operation display unit can be applied to the operation display unit 12. The operation display unit 12 is not limited to the touch panel system in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different from each other.
紙幣入出金口12は、顧客により挿入される紙幣を受け入れたり又は紙幣を排出したりする。
The banknote deposit / withdrawal port 12 accepts banknotes inserted by customers or discharges banknotes.
硬貨入出金口13は、顧客により投入される硬貨を受け入れたり又は硬貨を排出したりする。
The coin deposit / withdrawal port 13 accepts coins input by customers or discharges coins.
通帳入出口14は、顧客により挿入される通帳を受け入れたり又は通帳を排出したりする。
The bankbook entry / exit port 14 accepts a bankbook inserted by the customer or discharges the bankbook.
カード入出口15は、顧客により挿入されるキャッシュカードを受け入れたり又はキャッシュカードを排出したりする。
The card entry / exit 15 accepts a cash card inserted by the customer or discharges the cash card.
撮像部16は、顧客を撮像するカメラである。この実施形態では、撮像部16が、ATM1の内部に搭載されている場合を例示するが、ATM1の付近に設けられていてもよい。また、撮像部16は、複数個設けられていてもよく、それら複数個の撮像部16により撮像された画像の全部又はいずれかが、オペレータ端末3に送信されてもよい。
The imaging unit 16 is a camera that images customers. In this embodiment, although the case where the imaging part 16 is mounted in the inside of ATM1 is illustrated, you may be provided in the vicinity of ATM1. A plurality of imaging units 16 may be provided, and all or any of the images captured by the plurality of imaging units 16 may be transmitted to the operator terminal 3.
送受話器17は、ビデオ窓口センタ30のオペレータと通話するために使用される。
The handset 17 is used to make a call with the operator of the video window center 30.
図1は、第1の実施形態に係るATM1の内部構成を示す内部構成図である。ATM1は、例えば制御装置、通信装置、機構部等を含み、図1は、ATM1の内部構成を機能的に示している。
FIG. 1 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the first embodiment. The ATM 1 includes, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 1 functionally shows the internal configuration of the ATM 1.
図1において、ATM1は、取引制御部21、画像通信制御部22、記憶部23、通信部24、操作表示制御部25、カード機構部26、通帳機構部27、現金機構部28、撮像制御部29を有する。
In FIG. 1, ATM1 is transaction control part 21, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, and imaging control part. 29.
取引制御部21は、ATM1の全体的な機能を司る処理部又は装置である。取引制御部21は、例えば、CPU、ROM、RAM、EEPROM、入出力インターフェース等を含み、CPUがROMに格納される処理プログラムを実行することによりATM1の各種機能が実現される。また、処理プログラムがインストールされることによりATM1の機能が構築されるようにしてもよく、その場合でも、機能的には図1に示すことができる。
The transaction control unit 21 is a processing unit or device that controls the overall function of the ATM 1. The transaction control unit 21 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, and the like, and various functions of the ATM 1 are realized by the CPU executing a processing program stored in the ROM. Moreover, the function of ATM1 may be constructed by installing the processing program. Even in this case, the function can be shown in FIG.
取引制御部21は、取引処理部211、画像通信接続要求部212を有する。
The transaction control unit 21 includes a transaction processing unit 211 and an image communication connection request unit 212.
取引処理部211は、顧客操作により選択された取引種類の案内画面を表示させながら、顧客により入力された入力情報に基づいて選択された種類の取引処理を行う。
The transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation.
例えば、入金処理の場合、取引処理部211は、入金すべき現金の投入を受け入れ、投入された現金を計数して、入金金額を顧客に確認させる。顧客による確認が行われると、取引処理部211は、入金金額を含む取引情報を金融機関ホストサーバ2に通知する。そして、金融機関ホストサーバ2による承諾を受けると、ATM1は、投入された現金を収納して入金取引を終了する。
For example, in the case of deposit processing, the transaction processing unit 211 accepts the input of cash to be deposited, counts the inserted cash, and causes the customer to confirm the deposit amount. When confirmation by the customer is made, the transaction processing unit 211 notifies the financial institution host server 2 of transaction information including the deposit amount. Then, upon receiving the approval from the financial institution host server 2, the ATM 1 stores the inserted cash and ends the deposit transaction.
また例えば、出金処理の場合、取引処理部211は、入力された出金金額を含む取引情報を、金融機関ホストサーバ2に送信する。そして、金融機関ホストサーバ2により取引情報に基づく出金の承諾を受けると、ATM1は、ATM1内部に収納されている現金を出金して、出金取引を終了する。
Also, for example, in the case of a withdrawal process, the transaction processing unit 211 transmits transaction information including the input withdrawal amount to the financial institution host server 2. When the financial institution host server 2 accepts the withdrawal based on the transaction information, the ATM 1 withdraws the cash stored in the ATM 1 and ends the withdrawal transaction.
なお、取引制御部21の取引処理部211は、取引途中で、画像通信制御部22によるオペレータ端末3との間で呼接続がなされた場合、この呼接続が継続している間、現在の取引を終了しないようにする。
Note that the transaction processing unit 211 of the transaction control unit 21 is in the middle of a transaction, and when the call connection is made with the operator terminal 3 by the image communication control unit 22, the current transaction is continued while the call connection is continued. Do not exit.
関連技術では、例えば、金融ホストサーバ2から取引限度額を超える額の取引である旨の通知を受けた場合、所定の表示画面を操作表示部11に表示した後、取引を終了する。しかし、本実施形態の場合、金融ホストサーバ2から1日の取引限度額を超える額の取引である旨の通知を受けても、オペレータ端末3との接続を行なうため取引を終了しないようにする。
In the related technology, for example, when receiving a notification from the financial host server 2 that the transaction exceeds the transaction limit, the transaction is terminated after displaying a predetermined display screen on the operation display unit 11. However, in the case of this embodiment, even if the financial host server 2 receives a notification that the transaction exceeds the daily transaction limit, the transaction is not terminated because the connection with the operator terminal 3 is made. .
画像通信接続要求部212は、取引処理部211により金融機関ホストサーバ2から取引限度額を超える金額の取引である旨の通知を受けると、オペレータ端末3と接続させるために、画像通信制御部22に対して画像通信接続要求を行なうものである。
When the transaction processing unit 211 receives a notification from the financial institution host server 2 that the transaction is an amount exceeding the transaction limit, the image communication connection requesting unit 212 connects to the operator terminal 3 to connect to the image communication control unit 22. Is to make an image communication connection request.
画像通信制御部22は、取引制御部21の画像通信接続要求を取得すると、オペレータ端末3に対して呼接続を要求して、画像通信制御部22との間で、画像や情報の通信処理を行なう。画像通信制御部22とオペレータ端末3との間の呼制御は、種々の方法を広く適用することができ、例えば、SIP(Session Initiation Protocol)やH.323等の通信プロトコルを用いて、画像通信制御部22はオペレータ端末3との間で呼を接続する。なお、呼制御方式は、既存の方式を適用することができるため、ここでの詳細な説明を省略する。
When the image communication control unit 22 acquires the image communication connection request from the transaction control unit 21, the image communication control unit 22 requests a call connection to the operator terminal 3 and performs image and information communication processing with the image communication control unit 22. Do. Various methods can be widely applied to call control between the image communication control unit 22 and the operator terminal 3, for example, SIP (Session Initiation Protocol) or H.264. The image communication control unit 22 connects a call with the operator terminal 3 using a communication protocol such as H.323. As the call control method, an existing method can be applied, and a detailed description thereof is omitted here.
画像通信制御部22は、オペレータ端末3との間の呼確立後、オペレータ端末3との間でビデオ通信を行なうものである。画像通信制御部22は、当該ATM1の撮像部16により撮像された画像信号及び送受話器17による音声信号に基づいてパケットを形成してオペレータ端末3に送信し、又はオペレータ端末3から受信したパケットに含まれる画像信号を操作表示部11に表示したり、受信パケットに含まれる音声を送受話器17に出力したりする。
The image communication control unit 22 performs video communication with the operator terminal 3 after establishing a call with the operator terminal 3. The image communication control unit 22 forms a packet based on the image signal picked up by the image pickup unit 16 of the ATM 1 and the audio signal from the handset 17 and transmits the packet to the operator terminal 3 or receives the packet received from the operator terminal 3. The included image signal is displayed on the operation display unit 11, and the voice included in the received packet is output to the handset 17.
記憶部23は、取引制御部21や画像通信制御部22により実行される処理プログラム、情報処理に必要な各種情報、操作表示部11に表示する表示画面(静止画像や動画像を含んでいてもよい。)等を記憶する。記憶部23は、制御部21により2次記憶手段として利用され、例えば、フラッシュメモリ、ハードディスク(HDD)、記憶媒体(例えばCD-R等)等の不揮発性の記憶装置を適用することができる。
The storage unit 23 is a processing program executed by the transaction control unit 21 or the image communication control unit 22, various information necessary for information processing, a display screen displayed on the operation display unit 11 (even if a still image or a moving image is included). Good.) Etc. The storage unit 23 is used as secondary storage means by the control unit 21, and for example, a nonvolatile storage device such as a flash memory, a hard disk (HDD), a storage medium (for example, a CD-R) can be applied.
通信部24は、金融機関ホストサーバ2及びオペレータ端末3との間で情報を通信するためのネットワークインタフェースである。通信部24は、オペレータ端末3から送信された画面データや出金指示データを受信し、その受信データを取引制御部21に与える。これにより、オペレータ端末3からの遠隔操作により受信した画面データを操作表示部11に表示したり、又はオペレータ端末3からの出金指示に基づいて、出金処理を実行させたりすることができる。
The communication unit 24 is a network interface for communicating information between the financial institution host server 2 and the operator terminal 3. The communication unit 24 receives screen data and withdrawal instruction data transmitted from the operator terminal 3 and gives the received data to the transaction control unit 21. Thereby, the screen data received by the remote operation from the operator terminal 3 can be displayed on the operation display unit 11 or the withdrawal process can be executed based on the withdrawal instruction from the operator terminal 3.
操作表示制御部25は、ATM1のユーザインタフェース機能を制御する。詳細には、操作表示制御部25は、例えばタッチパネル方式の操作表示部11を用いて、利用者に操作画面を提示し、利用者への情報出力、利用者からの操作受付(メニュー選択、取引種別入力、金額入力、番号入力等)を行ったり、ビデオ窓口センタ30のオペレータ端末3から取得した画面(オペレータの画像や特定の入力画面等)を表示したりする。
The operation display control unit 25 controls the user interface function of ATM1. Specifically, the operation display control unit 25 presents an operation screen to the user using, for example, the touch panel type operation display unit 11, outputs information to the user, accepts an operation from the user (menu selection, transaction Type input, money amount input, number input, etc.) or a screen (an operator image, a specific input screen, etc.) acquired from the operator terminal 3 of the video window center 30 is displayed.
カード機構部26は、カード入出口15から挿入されたカード(例えば、キャッシュカード、クレジットカード等)が有するデータ格納部に格納されているデータを取引制御部21に与えたり、カードにデータの書き込みをしたりする。
The card mechanism unit 26 gives the data stored in the data storage unit of a card (for example, a cash card, a credit card, etc.) inserted from the card entrance / exit 15 to the transaction control unit 21 or writes data to the card Or do.
通帳機構部27は、通帳入出口14に挿入された通帳の磁気ストライプ等のデータ格納部のデータ読み出し、データ書込み、通帳記入処理等を行う。
The passbook mechanism unit 27 performs data reading, data writing, passbook entry processing, etc. of the data storage unit such as the magnetic stripe of the passbook inserted into the passbook entry / exit 14.
現金機構部28は、入金された貨幣(紙幣及び又は硬貨)を収納する機能と、収納されている貨幣を利用者に出金する機能を担っている。この実施形態では、現金機構部27は、紙幣入出金口12から紙幣の入出金を行い、硬貨入出金口13から硬貨の入出金を行う。
The cash mechanism unit 28 has a function of storing the received money (banknotes and / or coins) and a function of withdrawing the stored money to the user. In this embodiment, the cash mechanism unit 27 deposits / withdraws banknotes from the banknote deposit / withdrawal port 12 and deposits / withdraws coins from the coin deposit / withdrawal port 13.
撮像制御部29は、撮像部16の動作を制御するものである。撮像制御部29は、画像通信制御部22によるオペレータ端末3との呼確立後、撮像部16の撮像動作をONとして、当該ATM1を利用する顧客を撮像する。撮像部16により撮像された画像は、対向するオペレータ端末3に送信される。
The imaging control unit 29 controls the operation of the imaging unit 16. After the image communication control unit 22 establishes a call with the operator terminal 3, the imaging control unit 29 sets the imaging operation of the imaging unit 16 to ON and images a customer who uses the ATM 1. The image picked up by the image pickup unit 16 is transmitted to the opposing operator terminal 3.
(A-2)第1の実施形態の動作
図4は、第1の実施形態に係る取引システム5における出金取引の処理動作の流れを示すフローチャートである。 (A-2) Operation of the First Embodiment FIG. 4 is a flowchart showing the flow of processing operation of the withdrawal transaction in the transaction system 5 according to the first embodiment.
図4は、第1の実施形態に係る取引システム5における出金取引の処理動作の流れを示すフローチャートである。 (A-2) Operation of the First Embodiment FIG. 4 is a flowchart showing the flow of processing operation of the withdrawal transaction in the transaction system 5 according to the first embodiment.
ここでは、ATM1で顧客が出金取引する場合に、当該顧客の1日の出金限度額を超える取引金額を指定して出金取引を行なう場合の動きについて説明する。
Here, when a customer conducts a withdrawal transaction at ATM1, a movement when a withdrawal amount is designated and a transaction amount exceeding the daily allowance limit of the customer is designated will be described.
まず、ATM1の操作表示部11にはメニュー画面が表示されており、顧客により出金取引の選択ボタンが選択される。これを受けて、取引制御部21の取引処理部211は、出金取引の操作画面を操作表示部11に表示する。顧客により、カードが挿入され、暗証番号が入力され、出金金額が入力されて、確認ボタンが選択される(S101)。
First, a menu screen is displayed on the operation display unit 11 of the ATM 1, and a withdrawal transaction selection button is selected by the customer. In response to this, the transaction processing unit 211 of the transaction control unit 21 displays an operation screen for the withdrawal transaction on the operation display unit 11. The customer inserts a card, inputs a password, inputs a withdrawal amount, and selects a confirmation button (S101).
ATM1において、取引処理部211は、金融機関ホストサーバ2と通信を開始して、取得したカード情報、暗証番号、出金金額等を含む取引情報を、金融機関ホストサーバ2に送信する(S102)。
In ATM1, the transaction processing unit 211 starts communication with the financial institution host server 2 and transmits the acquired transaction information including card information, personal identification number, withdrawal amount, etc. to the financial institution host server 2 (S102). .
金融機関ホストサーバ2では、取引情報が取得され(S103)、受信したカード情報に基づいて、当該顧客の1日の取引限度額を確認し、今回の出金取引に係る取引金額が当該顧客の取引限度額を超えているか否かを確認する(S104)。そして、取引金額が1日の取引限度額を超えていない場合、処理はS105に移行して、通常の出金処理が実行される(S105)。
The financial institution host server 2 acquires transaction information (S103), confirms the daily transaction limit of the customer based on the received card information, and determines the transaction amount related to the current withdrawal transaction of the customer. It is confirmed whether or not the transaction limit is exceeded (S104). If the transaction amount does not exceed the daily transaction limit, the process proceeds to S105, and a normal withdrawal process is executed (S105).
一方、取引金額が1日の取引限度額を超えている場合、金融機関ホストサーバ2は、1日の取引限度額を超える額の取引である旨を、ATM1に通知する(S106)。そうすると、ATM1において、取引制御部21の画像通信接続要求部212は、画像通信制御部22に対して、オペレータ端末3との接続要求を行なう(S107)。これを受けて、ATM1の画像通信制御部22が、ビデオ窓口センタ30のオペレータ端末3宛に接続要求を行ない、所定の呼接続処理により、ATM1の画像通信制御部22とオペレータ端末3との間で呼が確立して接続される(S107、S108)。このとき、ATM1は、取引金額が1日の取引限度額を超えている旨や、取引を終了してよいか等のガイダンスを含む画面を、操作表示部11に表示するようにしてもよい。
On the other hand, if the transaction amount exceeds the daily transaction limit, the financial institution host server 2 notifies the ATM 1 that the transaction exceeds the daily transaction limit (S106). Then, in ATM1, the image communication connection request unit 212 of the transaction control unit 21 makes a connection request with the operator terminal 3 to the image communication control unit 22 (S107). In response to this, the image communication control unit 22 of the ATM 1 makes a connection request to the operator terminal 3 of the video window center 30, and between the image communication control unit 22 of the ATM 1 and the operator terminal 3 by a predetermined call connection process. Then, the call is established and connected (S107, S108). At this time, the ATM 1 may display on the operation display unit 11 a screen including guidance indicating that the transaction amount exceeds the daily transaction limit and whether the transaction may be terminated.
呼確立後、ATM1とビデオ窓口センタ30のオペレータ端末3との間で、リアルタイムなオンラインビデオ通信が開始する。即ち、顧客とオペレータとがビデオ通信を行なうことができ、このとき、オペレータは、今回の出金取引に係る取引金額が、顧客の1日の取引限度額を超えていることを説明する(S109)。
After the call is established, real-time online video communication starts between the ATM 1 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator explains that the transaction amount related to the current withdrawal transaction exceeds the daily transaction limit of the customer (S109). ).
ATM1では、顧客による承認を得る(S110)。例えば、ATM1の操作表示部11に、図11に例示する顧客承認画面500が表示される。図11に例示するように、例えば「取引金額が、お客様の1日の取引限度額を超えています。現在の取引限度額を超える金額を出金しますか。」等のビデオ通信によるオペレータの説明内容や、取引金額が1日の取引限度額を超えたものであるため取引を終了する「終了」ボタン501、取引限度額を超える出金を承認する「承認」ボタン(確認ボタン)502等を含む画面が表示される。
ATM1 obtains approval from the customer (S110). For example, the customer approval screen 500 illustrated in FIG. 11 is displayed on the operation display unit 11 of ATM1. As illustrated in FIG. 11, for example, the transaction amount exceeds the customer's daily transaction limit. Do you want to withdraw the amount exceeding the current transaction limit? “Exit” button 501 for ending the transaction because the transaction amount exceeds the daily transaction limit, “Approve” button (confirmation button) 502 for approving withdrawal exceeding the transaction limit, etc. A screen containing is displayed.
そして、顧客による承認が得られず、顧客が今回の取引を終了する場合、顧客操作により、終了ボタンが選択されて、ATM1の取引制御部21は今回の取引を終了する(S115)。
If the customer's approval is not obtained and the customer ends the current transaction, the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115).
一方、オペレータと顧客との通話により、オペレータが出金取引を継続してもよいと判断したときには、オペレータ操作を受けて、オペレータ端末3はATM1に対して出金指示を行なう(S112)。出金指示を受けたATM1の取引制御部21は、取引金額が1日の取引限度額を超えているが、オペレータによる承認が得られた場合には、取引限度額を超える取引金額での出金が可能となる。
On the other hand, when the operator determines that the withdrawal transaction may be continued through a call between the operator and the customer, the operator terminal 3 issues a withdrawal instruction to the ATM 1 in response to the operator's operation (S112). Upon receiving the withdrawal instruction, the transaction control unit 21 of ATM 1 has exceeded the daily transaction limit, but if the operator's approval is obtained, the transaction control unit 21 withdraws the transaction amount exceeding the transaction limit. Money is possible.
ATM1は、出金指示された出金金額での取引として取り扱い、紙幣を計数して出金する(S113)。そして、出金した紙幣が顧客により受け取られると(S114)、取引が終了する(S115)。
ATM1 treats it as a transaction with a withdrawal amount instructed to withdraw, and counts and dispenses banknotes (S113). Then, when the dispensed banknote is received by the customer (S114), the transaction ends (S115).
(A-3)第1の実施形態の効果
以上のように、第1の実施形態によれば、ビデオ窓口センタの画像通信装置(VTC装置)とATMとが連携することにより、ATMの1日の出金取引限度額を超える出金取引が実現できる。特に、ATM出金限度額以上と判断された場合、自動的にATMがVTC装置へ接続させることによりよいサービスが提供できる。 (A-3) Effects of the First Embodiment As described above, according to the first embodiment, the image communication device (VTC device) of the video window center and the ATM cooperate with each other, and one sunrise of the ATM. Withdrawal transactions exceeding the gold transaction limit can be realized. In particular, when it is determined that the ATM withdrawal amount is exceeded, a good service can be provided by automatically connecting the ATM to the VTC device.
以上のように、第1の実施形態によれば、ビデオ窓口センタの画像通信装置(VTC装置)とATMとが連携することにより、ATMの1日の出金取引限度額を超える出金取引が実現できる。特に、ATM出金限度額以上と判断された場合、自動的にATMがVTC装置へ接続させることによりよいサービスが提供できる。 (A-3) Effects of the First Embodiment As described above, according to the first embodiment, the image communication device (VTC device) of the video window center and the ATM cooperate with each other, and one sunrise of the ATM. Withdrawal transactions exceeding the gold transaction limit can be realized. In particular, when it is determined that the ATM withdrawal amount is exceeded, a good service can be provided by automatically connecting the ATM to the VTC device.
(B)第2の実施形態
次に、本開示に係る取引装置及び取引システムの第2の実施形態を、図面を参照しながら詳細に説明する。 (B) 2nd Embodiment Next, 2nd Embodiment of the transaction apparatus and transaction system which concern on this indication is described in detail, referring drawings.
次に、本開示に係る取引装置及び取引システムの第2の実施形態を、図面を参照しながら詳細に説明する。 (B) 2nd Embodiment Next, 2nd Embodiment of the transaction apparatus and transaction system which concern on this indication is described in detail, referring drawings.
この実施形態は、例えば自動取引装置(ATM)と金融機関ホストサーバとを有する取引システムに、本開示を適用する場合を例示する。
This embodiment exemplifies a case where the present disclosure is applied to, for example, a transaction system having an automatic transaction apparatus (ATM) and a financial institution host server.
(B-1)第2の実施形態の構成
第2の実施形態は、ATMの取引制御部の機能処理が第1の実施形態と異なる。取引システムの全体構成及びATM1の外観構成は、基本的には、第1の実施形態と同様である。そのため、第2の実施形態においても、第1の実施形態に係る図2及び図3を用いて説明する。 (B-1) Configuration of Second Embodiment The second embodiment is different from the first embodiment in the function processing of the transaction control unit of ATM. The overall configuration of the transaction system and the external configuration ofATM 1 are basically the same as those in the first embodiment. Therefore, also in 2nd Embodiment, it demonstrates using FIG.2 and FIG.3 which concern on 1st Embodiment.
第2の実施形態は、ATMの取引制御部の機能処理が第1の実施形態と異なる。取引システムの全体構成及びATM1の外観構成は、基本的には、第1の実施形態と同様である。そのため、第2の実施形態においても、第1の実施形態に係る図2及び図3を用いて説明する。 (B-1) Configuration of Second Embodiment The second embodiment is different from the first embodiment in the function processing of the transaction control unit of ATM. The overall configuration of the transaction system and the external configuration of
図5は、第2の実施形態に係るATM1の内部構成を示す内部構成図である。ATM1は、例えば制御装置や通信装置や機構部等を有して構成されるものであり、図5は、ATM1の内部構成を機能的に示している。
FIG. 5 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the second embodiment. The ATM 1 is configured to include, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 5 functionally illustrates the internal configuration of the ATM 1.
図5において、ATM1は、取引制御部21A、画像通信制御部22、記憶部23、通信部24、操作表示制御部25、カード機構部26、通帳機構部27、現金機構部28、撮像制御部29を有する。
In FIG. 5, ATM1 is transaction control part 21A, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, imaging control part. 29.
画像通信制御部22、記憶部23、通信部24、操作表示制御部25、カード機構部26、通帳機構部27、現金機構部28、撮像制御部29は、第1の実施形態と同一又は対応するものであるため、ここでの詳細な説明を省略する。
The image communication control unit 22, the storage unit 23, the communication unit 24, the operation display control unit 25, the card mechanism unit 26, the passbook mechanism unit 27, the cash mechanism unit 28, and the imaging control unit 29 are the same as or correspond to those in the first embodiment. Therefore, detailed description here is omitted.
取引制御部21Aは、第1の実施形態と同様に、ATM1の全体的な機能を司る処理部又は装置である。取引制御部21Aの主な機能としては、取引処理部211、残数管理部213、画像通信接続要求部212を有する。
The transaction control unit 21A is a processing unit or device that controls the overall function of the ATM 1, as in the first embodiment. The main functions of the transaction control unit 21A include a transaction processing unit 211, a remaining number management unit 213, and an image communication connection request unit 212.
取引処理部211は、第1の実施形態と同様に、顧客操作により選択された取引種類の案内画面を表示させながら、顧客により入力された入力情報に基づいて選択された種類の取引処理を行う。
Similarly to the first embodiment, the transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation. .
残数管理部213は、ATM1の現金収納カセットに収納されている紙幣枚数を金種毎に管理するものである。残数管理部213は、出金取引の際に、取引金額に基づいて出金すべき金種枚数を求め、取引金額の金種枚数が現金収納カセットに収納されているか確認する。
The remaining number management unit 213 manages the number of banknotes stored in the ATM 1 cash storage cassette for each denomination. In the withdrawal transaction, the remaining number management unit 213 obtains the number of denominations to be withdrawn based on the transaction amount, and checks whether the number of denominations of the transaction amount is stored in the cash storage cassette.
画像通信接続要求部212は、残数管理部213による出金すべき取引金額に相当する金種枚数が現金収納カセットに収納されていないときに、オペレータ端末3と接続させるために、画像通信制御部22に対して画像通信接続要求を行なう。これにより、ATM1に収納されている金種枚数を超えて出金するときに、ビデオ通信により顧客とオペレータとの通話を開始させることができる。
The image communication connection request unit 212 controls the image communication control to connect with the operator terminal 3 when the number of denominations corresponding to the transaction amount to be withdrawn by the remaining number management unit 213 is not stored in the cash storage cassette. An image communication connection request is made to the unit 22. Thereby, when withdrawing money exceeding the number of denominations stored in the ATM 1, the call between the customer and the operator can be started by video communication.
(B-2)第2の実施形態の動作
図6は、第2の実施形態に係る取引システム5における出金取引の処理動作の流れを示すフローチャートである。 (B-2) Operation of Second Embodiment FIG. 6 is a flowchart showing the flow of processing operation of a withdrawal transaction in the transaction system 5 according to the second embodiment.
図6は、第2の実施形態に係る取引システム5における出金取引の処理動作の流れを示すフローチャートである。 (B-2) Operation of Second Embodiment FIG. 6 is a flowchart showing the flow of processing operation of a withdrawal transaction in the transaction system 5 according to the second embodiment.
ここでは、ATM1で顧客が出金取引する場合に、出金金額に係る金種枚数が、ATM1内に収納されていない場合の動きについて説明する。
Here, when a customer makes a withdrawal transaction at ATM1, a movement when the number of denominations related to the withdrawal amount is not stored in ATM1 will be described.
まず、ATM1の操作表示部11にはメニュー画面が表示されており、顧客により出金取引の選択ボタンが選択される。これを受けて、取引制御部21の取引処理部211は、出金取引の操作画面を操作表示部11に表示する。顧客により、カードが挿入され、暗証番号が入力され、出金金額が入力されて、確認ボタンが選択される(S101)。
First, a menu screen is displayed on the operation display unit 11 of the ATM 1, and a withdrawal transaction selection button is selected by the customer. In response to this, the transaction processing unit 211 of the transaction control unit 21 displays an operation screen for the withdrawal transaction on the operation display unit 11. The customer inserts a card, inputs a password, inputs a withdrawal amount, and selects a confirmation button (S101).
ATM1において、残数管理部213は、入力された出金金額に基づき、出金に係る金種枚数が、現在ATM1に収納されている現金の金種枚数(残枚数)を超えているか否かを判断する(S201)。そして、出金に係る金種枚数が現在のATM1の金種枚数を超えていない場合、処理はS105に移行して、通常の出金処理が実行される(S105)。
In ATM1, based on the input withdrawal amount, the remaining number management unit 213 determines whether or not the number of denominations related to withdrawal exceeds the number of denominations (remaining number) of cash currently stored in ATM1. Is determined (S201). If the number of denominations related to withdrawal does not exceed the current ATM1 denomination, the process proceeds to S105, and normal withdrawal processing is executed (S105).
一方、出金に係る金種枚数が現在のATM1の金種枚数を超えている場合、取引制御部21の画像通信接続要求部212は、画像通信制御部22に対して、オペレータ端末3との接続要求を行なう(S107)。これを受けて、ATM1の画像通信制御部22が、ビデオ窓口センタ30のオペレータ端末3宛に接続要求を行ない、所定の呼接続処理により、ATM1の画像通信制御部22とオペレータ端末3との間で呼が確立する(S107、S108)。
On the other hand, when the number of denominations related to withdrawal exceeds the current ATM1 denomination, the image communication connection requesting unit 212 of the transaction control unit 21 sends an image communication control unit 22 to the operator terminal 3. A connection request is made (S107). In response to this, the image communication control unit 22 of the ATM 1 makes a connection request to the operator terminal 3 of the video window center 30, and between the image communication control unit 22 of the ATM 1 and the operator terminal 3 by a predetermined call connection process. The call is established (S107, S108).
呼確立後、ATM1とビデオ窓口センタ30のオペレータ端末3との間で、リアルタイムなオンラインビデオ通信が開始する。即ち、顧客とオペレータとがビデオ通信を行なうことができ、このとき、オペレータは、出金要求金額が、現在のATM1内に収納されている現金の残金額を超えており、顧客要求を満たさない金額しか用意できない旨を説明する(S202)。
After the call is established, real-time online video communication starts between the ATM 1 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator does not satisfy the customer request because the withdrawal request amount exceeds the remaining amount of cash stored in the current ATM 1. The fact that only the amount can be prepared will be described (S202).
ATM1では、顧客による承認を得る(S110)。例えば、ATM1の操作表示部11に、図12に例示する顧客承認画面510が表示される。図12の顧客承認画面510は、例えば、「取引金額が、ATM内の残数額を超えています。現在のATM内残数額内の金額で出金しますか。」等のビデオ通信によるオペレータの説明内容や、取引金額が現在のATM1に収納されている金額を超えており取引を終了する「終了」ボタン511、ATM1に現在収納されている金額で出金することを承認する「承認」ボタン(確認ボタン)512等を含む画面が表示される。また、図12に例示する顧客承認画面510のように、ATM残数額や取引金額に対する不足金額を表示するようにしてもよい。更には、図12に例示するように、顧客に取引可能な金種枚数(金額)を知らせるために、現在のATM1内で取引可能な金種枚数を金種毎に表示するようにしてもよい。
ATM1 obtains approval from the customer (S110). For example, a customer approval screen 510 illustrated in FIG. 12 is displayed on the operation display unit 11 of ATM1. The customer approval screen 510 shown in FIG. 12 is displayed by video communication such as, for example, “The transaction amount exceeds the remaining amount in the ATM. Will you withdraw with the amount within the current remaining amount in the ATM?” “Expend” button 511 to terminate the transaction when the transaction amount exceeds the amount stored in the current ATM1 and the amount of money currently stored in ATM1 is approved. A screen including a “button” (confirmation button) 512 and the like is displayed. Moreover, you may make it display the shortage amount with respect to ATM remaining amount amount and transaction amount like the customer approval screen 510 illustrated in FIG. Furthermore, as illustrated in FIG. 12, in order to inform the customer of the number of denominations (amount) that can be traded, the number of denominations that can be traded in the current ATM 1 may be displayed for each denomination. .
そして、顧客の承認が得られず、顧客が今回の取引を終了する場合、顧客操作により、終了ボタンが選択されて、ATM1の取引制御部21は今回の取引を終了する(S115)。
If the customer's approval is not obtained and the customer ends the current transaction, the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115).
一方、オペレータと顧客との通話により、現在ATM1に収納されている金額で出金取引を継続しても良いと判断したときには、オペレータ操作を受けて、オペレータ端末3はATM1に対して出金指示を行なう(S112)。出金指示を受けたATM1の取引制御部21は、オペレータによる承認が得られた場合には、現在のATM1に収納されている金額で出金が可能となる。
On the other hand, when it is determined by the call between the operator and the customer that the withdrawal transaction can be continued with the amount currently stored in ATM1, upon receipt of the operator operation, the operator terminal 3 instructs the ATM1 to withdraw. (S112). The transaction control unit 21 of the ATM 1 that has received the withdrawal instruction can withdraw money with the amount stored in the current ATM 1 when approval by the operator is obtained.
ATM1は、出金指示された出金金額での取引として取り扱い、紙幣を計数する(S113)。このとき、ATM1内の収納金額で出金取引を行なう場合、今回の出金取引で、当初に顧客が入力した金額と実際に出金すべき金額とが異なる。
ATM1 handles the transaction as a withdrawal amount instructed to withdraw, and counts banknotes (S113). At this time, when a withdrawal transaction is performed with the amount stored in the ATM 1, the amount initially input by the customer in the current withdrawal transaction and the amount to be actually withdrawn are different.
そこで、例えば、ATM1の操作表示部11に、図13に例示する出金額再入力画面520を表示するようにしてもよい。これにより、出金取引の操作画面を再度表示し、顧客に出金金額の修正を行なわせ、修正後の出金金額で取引を継続することができる。詳細には、図13に例示するように、例えば「ATM内の残数額は○○円です。再度、お取引金額を入力してください。」等のガイダンス表示と、取引を終了する「終了」ボタン521と、取引金額の入力後に取引金額を確認して選択される「確認」ボタン522を表示する。そして現在のATM1内の残数枚数(残数額)内で指定された金額での出金を受け付ける。これにより、ATM1内に収納されている金額で新たに出金取引を行なうことができる。
Therefore, for example, the withdrawal amount re-input screen 520 illustrated in FIG. 13 may be displayed on the operation display unit 11 of the ATM 1. As a result, the operation screen for the withdrawal transaction is displayed again, the customer is allowed to correct the withdrawal amount, and the transaction can be continued with the revised withdrawal amount. Specifically, as illustrated in FIG. 13, for example, a guidance display such as “The remaining amount in ATM is XX yen. Please enter the transaction amount again.” And “End” "Button 521 and a" confirm "button 522 that is selected after confirming the transaction amount after the transaction amount is entered. Then, the withdrawal with the amount specified in the remaining number of sheets (remaining amount) in the current ATM 1 is accepted. As a result, a new withdrawal transaction can be performed with the amount stored in the ATM 1.
そして、出金した紙幣が顧客により受け取られると(S114)、取引が終了する(S115)。
Then, when the banknote withdrawn is received by the customer (S114), the transaction ends (S115).
(B-3)第2の実施形態の効果
以上のように、第2の実施形態によれば、画像通信装置(VTC装置)とATMが連携することにより、顧客要求金額未満しかATMに現金がない場合でも顧客が了承し行員が認めた場合は出金可能とすることができる。特に、ATM内の現金枚数が顧客要求枚数未満と判断された場合に、自動的にATMがVTC装置に接続することにより良いサービスが提供できる。 (B-3) Effect of Second Embodiment As described above, according to the second embodiment, the image communication apparatus (VTC apparatus) and the ATM cooperate with each other, so that the cash is less than the customer request amount. If the customer approves and the banker approves, the withdrawal can be made. In particular, when it is determined that the number of cash in the ATM is less than the number requested by the customer, the ATM can automatically provide a good service by connecting to the VTC device.
以上のように、第2の実施形態によれば、画像通信装置(VTC装置)とATMが連携することにより、顧客要求金額未満しかATMに現金がない場合でも顧客が了承し行員が認めた場合は出金可能とすることができる。特に、ATM内の現金枚数が顧客要求枚数未満と判断された場合に、自動的にATMがVTC装置に接続することにより良いサービスが提供できる。 (B-3) Effect of Second Embodiment As described above, according to the second embodiment, the image communication apparatus (VTC apparatus) and the ATM cooperate with each other, so that the cash is less than the customer request amount. If the customer approves and the banker approves, the withdrawal can be made. In particular, when it is determined that the number of cash in the ATM is less than the number requested by the customer, the ATM can automatically provide a good service by connecting to the VTC device.
(C)第3の実施形態
次に、本開示に係る取引装置及び取引システムの第3の実施形態を、図面を参照しながら詳細に説明する。 (C) Third Embodiment Next, a third embodiment of the transaction apparatus and the transaction system according to the present disclosure will be described in detail with reference to the drawings.
次に、本開示に係る取引装置及び取引システムの第3の実施形態を、図面を参照しながら詳細に説明する。 (C) Third Embodiment Next, a third embodiment of the transaction apparatus and the transaction system according to the present disclosure will be described in detail with reference to the drawings.
第3の実施形態は、取引金額が取引限度額を超える場合、又は、取引金額がATM1内に収納されている金額を超える場合に、ATM1がセキュリティーキーを表示して、顧客の携帯端末がビデオ窓口センタのオペレータ端末と通信できるようにする。
In the third embodiment, when the transaction amount exceeds the transaction limit amount, or when the transaction amount exceeds the amount stored in the ATM 1, the ATM 1 displays a security key, and the customer's mobile terminal displays the video. Enable communication with the operator terminal of the counter center.
(C-1)第3の実施形態の構成
図7は、第3の実施形態に係る取引システムの全体構成を示す構成図である。図7において、第3の実施形態に係る取引システム5は、通信回線4に接続可能な、自動取引装置(ATM)1、金融機関ホストサーバ2、オペレータ端末3、携帯端末6を有する。 (C-1) Configuration of Third Embodiment FIG. 7 is a configuration diagram showing the overall configuration of a transaction system according to the third embodiment. In FIG. 7, the transaction system 5 according to the third embodiment includes an automatic transaction apparatus (ATM) 1, a financialinstitution host server 2, an operator terminal 3, and a mobile terminal 6 that can be connected to the communication line 4.
図7は、第3の実施形態に係る取引システムの全体構成を示す構成図である。図7において、第3の実施形態に係る取引システム5は、通信回線4に接続可能な、自動取引装置(ATM)1、金融機関ホストサーバ2、オペレータ端末3、携帯端末6を有する。 (C-1) Configuration of Third Embodiment FIG. 7 is a configuration diagram showing the overall configuration of a transaction system according to the third embodiment. In FIG. 7, the transaction system 5 according to the third embodiment includes an automatic transaction apparatus (ATM) 1, a financial
携帯端末6は、顧客が所持する通信機能を有する携帯端末であり、例えば、スマートフォン、タブレット端末、携帯電話機等を適用できる。取引金額が取引限度額を超える場合、又は、取引金額がATM1内に収納されている金額を超えた場合に、ATM1は、オペレータ端末3と接続するためのセキュリティーキーを表示する。顧客は、表示されたセキュリティーキーを用いてオペレータ端末3と接続し、顧客はオペレータと通信することができる。
The mobile terminal 6 is a mobile terminal having a communication function possessed by a customer, and for example, a smartphone, a tablet terminal, a mobile phone or the like can be applied. When the transaction amount exceeds the transaction limit amount, or when the transaction amount exceeds the amount stored in the ATM 1, the ATM 1 displays a security key for connection with the operator terminal 3. The customer connects to the operator terminal 3 using the displayed security key, and the customer can communicate with the operator.
図8は、第3の実施形態に係るATM1の内部構成を示す内部構成図である。ATM1は、例えば制御装置や通信装置や機構部等を有して構成されるものであり、図8は、ATM1の内部構成を機能的に示している。
FIG. 8 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the third embodiment. The ATM 1 is configured to include, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 8 functionally illustrates the internal configuration of the ATM 1.
図8において、ATM1は、取引制御部21B、画像通信制御部22、記憶部23、通信部24、操作表示制御部25、カード機構部26、通帳機構部27、現金機構部28、撮像制御部29を有する。
In FIG. 8, ATM1 is transaction control part 21B, image communication control part 22, storage part 23, communication part 24, operation display control part 25, card mechanism part 26, passbook mechanism part 27, cash mechanism part 28, imaging control part. 29.
画像通信制御部22、記憶部23、通信部24、操作表示制御部25、カード機構部26、通帳機構部27、現金機構部28、撮像制御部29は、第1の実施形態と同一又は対応するため、ここでの詳細な説明を省略する。
The image communication control unit 22, the storage unit 23, the communication unit 24, the operation display control unit 25, the card mechanism unit 26, the passbook mechanism unit 27, the cash mechanism unit 28, and the imaging control unit 29 are the same as or correspond to those in the first embodiment. Therefore, detailed description here is omitted.
取引制御部21Bは、第1及び第2の実施形態と同様に、ATM1の全体的な機能を司る処理部又は装置である。取引制御部21Bの主な機能としては、取引処理部211、セキュリティーキー表示制御部214を有する。
The transaction control unit 21 </ b> B is a processing unit or device that controls the overall function of the ATM 1 as in the first and second embodiments. Main functions of the transaction control unit 21B include a transaction processing unit 211 and a security key display control unit 214.
取引処理部211は、第1の実施形態と同様に、顧客操作により選択された取引種類の案内画面を表示させながら、顧客により入力された入力情報に基づいて選択された種類の取引処理を行う。
Similarly to the first embodiment, the transaction processing unit 211 performs the transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation. .
セキュリティーキー表示制御部214は、取引金額が取引限度額を超える場合、又は、取引金額がATM1内に収納されている金額を超える場合に、オペレータ端末3と接続するためのセキュリティーキーを操作表示部11に表示するものである。ここで、セキュリティーキーは、オペレータ端末3と接続するために必要な情報である。例えばセキュリティーキーは、数字やアルファベット等を含む文字列とすることができる。
The security key display control unit 214 is configured to display a security key for connecting to the operator terminal 3 when the transaction amount exceeds the transaction limit amount or when the transaction amount exceeds the amount stored in the ATM 1. 11 is displayed. Here, the security key is information necessary for connecting to the operator terminal 3. For example, the security key can be a character string including numbers and alphabets.
セキュリティーキー表示制御部214は、第1の実施形態又は第2の実施形態のように、取引金額が取引限度額又はATM1内の収納枚数を超えた場合に、当該取引を一意に識別するセキュリティーキーを発行し、セキュリティーキーを表示する。
The security key display control unit 214 is a security key that uniquely identifies a transaction when the transaction amount exceeds the transaction limit amount or the number of sheets stored in the ATM 1 as in the first embodiment or the second embodiment. To display the security key.
(C-2)第3の実施形態の動作
図9及び図10は、第3の実施形態に係る取引システム5における出金取引の処理動作の流れを示すフローチャートである。 (C-2) Operation of the Third Embodiment FIG. 9 and FIG. 10 are flowcharts showing the flow of the processing operation of the withdrawal transaction in the transaction system 5 according to the third embodiment.
図9及び図10は、第3の実施形態に係る取引システム5における出金取引の処理動作の流れを示すフローチャートである。 (C-2) Operation of the Third Embodiment FIG. 9 and FIG. 10 are flowcharts showing the flow of the processing operation of the withdrawal transaction in the transaction system 5 according to the third embodiment.
第3の実施形態は、取引金額が取引限度額を超える場合、又は、取引金額がATM1内に収納されている金額を超える場合のいずれにも適用できる。
The third embodiment can be applied to either the case where the transaction amount exceeds the transaction limit amount or the case where the transaction amount exceeds the amount stored in the ATM 1.
ここでは、ATM1で顧客が出金取引する場合に、取引金額が取引限度額を超えている場合の動作例を説明する。
Here, an example of operation when the transaction amount exceeds the transaction limit when a customer makes a withdrawal transaction at ATM1 will be described.
まず、ATM1の操作表示部11にはメニュー画面が表示されており、顧客により出金取引の選択ボタンが選択される。これを受けて、取引制御部21の取引処理部211は、出金取引の操作画面を操作表示部11に表示する。顧客により、カードが挿入され、暗証番号が入力され、出金金額が入力されて、確認ボタンが選択される(S101)。
First, a menu screen is displayed on the operation display unit 11 of the ATM 1, and a withdrawal transaction selection button is selected by the customer. In response to this, the transaction processing unit 211 of the transaction control unit 21 displays an operation screen for the withdrawal transaction on the operation display unit 11. The customer inserts a card, inputs a password, inputs a withdrawal amount, and selects a confirmation button (S101).
ATM1において、取引処理部211は、金融機関ホストサーバ2と通信を開始して、取得したカード情報、暗証番号、出金金額等を含む取引情報を、金融機関ホストサーバ2に送信する(S102)。
In ATM1, the transaction processing unit 211 starts communication with the financial institution host server 2 and transmits the acquired transaction information including card information, personal identification number, withdrawal amount, etc. to the financial institution host server 2 (S102). .
金融機関ホストサーバ2では、取引情報が取得され(S103)、受信したカード情報に基づいて、当該顧客の1日の取引限度額を確認し、今回の出金取引に係る取引金額が当該顧客の取引限度額を超えているか否かを確認する(S104)。そして、取引金額が1日の取引限度額を超えていない場合、処理はS105に移行して、通常の出金処理が実行される(S105)。
The financial institution host server 2 acquires transaction information (S103), confirms the daily transaction limit of the customer based on the received card information, and determines the transaction amount related to the current withdrawal transaction of the customer. It is confirmed whether or not the transaction limit is exceeded (S104). If the transaction amount does not exceed the daily transaction limit, the process proceeds to S105, and a normal withdrawal process is executed (S105).
一方、取引金額が1日の取引限度額を超えている場合、金融機関ホストサーバ2は、1日の取引限度額を超える額の取引である旨を、ATM1に通知する。
On the other hand, if the transaction amount exceeds the daily transaction limit, the financial institution host server 2 notifies the ATM 1 that the transaction exceeds the daily transaction limit.
ATM1では、セキュリティーキー表示制御部214がセキュリティーキーを発行し、そのセキュリティーキーを操作表示部11に表示する(S301)。
In ATM1, the security key display control unit 214 issues a security key and displays the security key on the operation display unit 11 (S301).
図14は、第3の実施形態に係るセキュリティーキー表示画面の一例を示す画面図である。図14に例示するセキュリティーキー表示画面530は、例えば、「取引金額が、お客様の1日の取引限度額を超えています。お客様の携帯端末で、下記のお問い合わせ先にご連絡ください。」等のように、今回の取引金額が取引限度額を超えていることや連絡先を表示する。また、図14のセキュリティーキー表示画面530は、オペレータ端末3の接続先情報として、例えば、電話番号、URL等を表示する。さらに、図14のセキュリティーキー表示画面530は、例えば「セキュリティーキー:aaa112bbbb」等のように、一意に当該顧客の取引を特定するためのセキュリティーキー534を表示する。なお、図14に例示するように、セキュリティーキー表示画面530は、例えば、オペレータ端末3の接続先情報を含む二次元コードやバーコード等のコード情報533を表示するようにしても良い。これにより、顧客操作により携帯端末6がコード情報を読み込み、オペレータ端末6にアクセスすることができる。
FIG. 14 is a screen diagram showing an example of a security key display screen according to the third embodiment. The security key display screen 530 illustrated in FIG. 14 is, for example, “The transaction amount exceeds the customer's daily transaction limit. Please contact the following contact information on the customer's mobile terminal.” As shown, the current transaction amount exceeds the transaction limit amount and the contact information is displayed. Further, the security key display screen 530 of FIG. 14 displays, for example, a telephone number, URL, etc. as connection destination information of the operator terminal 3. Furthermore, the security key display screen 530 of FIG. 14 displays a security key 534 for uniquely identifying the transaction of the customer, such as “security key: aaa 112bbbb”. As illustrated in FIG. 14, the security key display screen 530 may display code information 533 such as a two-dimensional code or a barcode including connection destination information of the operator terminal 3, for example. Thereby, the mobile terminal 6 can read the code information and access the operator terminal 6 by customer operation.
そして、顧客は、自身の携帯端末6を用いて、表示画面に表示されているオペレータ端末3に接続し(S302、S303)、表示画面に表示されているセキュリティーキーを入力する(S304)。
Then, the customer connects to the operator terminal 3 displayed on the display screen using his / her mobile terminal 6 (S302, S303), and inputs the security key displayed on the display screen (S304).
ここで、S304におけるセキュリティーキーの入力処理を説明する。例えば、携帯端末6がWebを通じてオペレータ端末3と接続する場合、携帯端末6の表示画面には、セキュリティーキーの入力欄が設けられており、そのセキュリティーキーの入力欄にセキュリティーキーを入力する。オペレータ端末3では、入力されたセキュリティーキーの検証を行ない、正当であれば、オペレータ端末3と携帯端末6との接続が行われるようにしてもよい。
Here, the security key input process in S304 will be described. For example, when the mobile terminal 6 is connected to the operator terminal 3 through the Web, the display screen of the mobile terminal 6 is provided with a security key input field, and the security key is input into the security key input field. The operator terminal 3 verifies the input security key, and if it is valid, the operator terminal 3 and the portable terminal 6 may be connected.
また例えば、オペレータ端末6は、表示画面に表示されている電話番号に電話をかけて、ビデオ窓口センタ30の自動音声応答(IVR)システムに接続し、自動音声応答システムにおいてセキュリティーキーを入力する。オペレータ端末3では、入力されたセキュリティーキーの検証を行ない、正当であれば、オペレータ端末3と携帯端末6との接続が行われるようにしてもよい。
Further, for example, the operator terminal 6 calls the telephone number displayed on the display screen, connects to the automatic voice response (IVR) system of the video counter center 30, and inputs the security key in the automatic voice response system. The operator terminal 3 verifies the input security key, and if it is valid, the operator terminal 3 and the portable terminal 6 may be connected.
さらに別の例では、顧客が、携帯端末6でビデオ窓口センタ30に電話を掛けて、オペレータとの会話の中で、セキュリティーキーを口頭でオペレータに伝えるようにしてもよい。
In yet another example, the customer may call the video window center 30 with the mobile terminal 6 and verbally convey the security key to the operator during the conversation with the operator.
上記のようにして、携帯端末6とビデオ窓口センタ30のオペレータ端末3との間で、リアルタイムなオンラインビデオ通信が開始する。即ち、顧客とオペレータとがビデオ通信を行なうことができ、このとき、オペレータは、今回の出金取引に係る取引金額が、顧客の1日の取引限度額を超えていることを説明し(S305)、ATM1では、顧客による承認を得る(S110)。例えば、ATM1の操作表示部11に、第1の実施形態に係る図11の顧客承認画面500が表示される。
As described above, real-time online video communication is started between the portable terminal 6 and the operator terminal 3 of the video window center 30. That is, the customer and the operator can perform video communication. At this time, the operator explains that the transaction amount relating to the current withdrawal transaction exceeds the daily transaction limit of the customer (S305). ), ATM1 obtains approval from the customer (S110). For example, the customer approval screen 500 of FIG. 11 according to the first embodiment is displayed on the operation display unit 11 of ATM1.
そして、顧客の承認が得られず、顧客が今回の取引を終了する場合(S110)、顧客操作により、終了ボタンが選択されて、ATM1の取引制御部21は今回の取引を終了する(S115)。
If the customer's approval is not obtained and the customer ends the current transaction (S110), the end button is selected by the customer operation, and the transaction control unit 21 of ATM1 ends the current transaction (S115). .
一方、オペレータと顧客との通話により、オペレータが出金取引を継続してもよいと判断したときには、オペレータ操作を受けて、オペレータ端末3はATM1に対して出金指示を行なう(S112)。出金指示を受けたATM1の取引制御部21は、取引金額が1日の取引限度額を超えているが、オペレータによる承認が得られた場合には、取引限度額を超える取引金額での出金が可能となる。
On the other hand, when the operator determines that the withdrawal transaction may be continued through a call between the operator and the customer, the operator terminal 3 issues a withdrawal instruction to the ATM 1 in response to the operator's operation (S112). Upon receiving the withdrawal instruction, the transaction control unit 21 of ATM 1 has exceeded the daily transaction limit, but if the operator's approval is obtained, the transaction control unit 21 withdraws the transaction amount exceeding the transaction limit. Money is possible.
ATM1は、出金指示された出金金額での取引として取り扱い、紙幣を計数して出金する(S113)。そして、出金した紙幣が顧客により受け取られると(S114)、取引が終了する(S115)。
ATM1 treats it as a transaction with a withdrawal amount instructed to withdraw, and counts and dispenses banknotes (S113). Then, when the dispensed banknote is received by the customer (S114), the transaction ends (S115).
(C-3)第3の実施形態の効果
以上のように、例えば、ATM側の装置が古く、Online Video機能がない場合でも顧客が望めば顧客の携帯端末で出金限度額Over時にも出金することができる。 (C-3) Effects of Third Embodiment As described above, for example, even when the ATM side device is old and does not have the Online Video function, if the customer desires, even when the withdrawal limit is over at the customer's mobile terminal. You can make money.
以上のように、例えば、ATM側の装置が古く、Online Video機能がない場合でも顧客が望めば顧客の携帯端末で出金限度額Over時にも出金することができる。 (C-3) Effects of Third Embodiment As described above, for example, even when the ATM side device is old and does not have the Online Video function, if the customer desires, even when the withdrawal limit is over at the customer's mobile terminal. You can make money.
(D)他の実施形態
上述した各実施形態においても種々の変形実施形態を言及したが、本開示は、以下の変形実施形態にも適用することができる。 (D) Other Embodiments Although various modified embodiments have been described in the above-described embodiments, the present disclosure can also be applied to the following modified embodiments.
上述した各実施形態においても種々の変形実施形態を言及したが、本開示は、以下の変形実施形態にも適用することができる。 (D) Other Embodiments Although various modified embodiments have been described in the above-described embodiments, the present disclosure can also be applied to the following modified embodiments.
(D-1)上述した各実施形態では、金融機関等に設置されているATMに本開示を適用する場合を例示した。しかし、本開示は、リモートブランチターミナル装置や、金融機関の行員用のAUTOTELLER CASHIERなどにも適用可能である。
(D-1) In each of the above-described embodiments, the case where the present disclosure is applied to an ATM installed in a financial institution or the like is illustrated. However, the present disclosure can also be applied to a remote branch terminal device, an AUTOTELLER CASHIER for bank employees, and the like.
(D-2)上述した各実施形態では、ATMで入力された出金金額が取引限度額又はATM内に収納されている現金の残高(残数)を超える場合に、ATMがビデオ窓口センタのオペレータ端末と接続する場合を例示した。しかし、金融機関ホストサーバが、ビデオ窓口センタのオペレータ端末に通報し、オペレータ端末が、ATMと呼接続を行なうようにしてもよい。即ち、ATM側からオペレータ端末に呼接続を行なうことに限定されず、オペレータ端末側からATM側に呼接続するようにしてもよい。
(D-2) In each of the above-described embodiments, when the withdrawal amount entered at the ATM exceeds the transaction limit amount or the balance of the cash stored in the ATM (remaining number), the ATM is in the video contact center. The case where it connects with an operator terminal was illustrated. However, the financial institution host server may notify the operator terminal of the video window center, and the operator terminal may make a call connection with the ATM. That is, the call connection from the ATM side to the operator terminal is not limited, and the call connection may be made from the operator terminal side to the ATM side.
(D-3)上述した第3の実施形態では、ATMがオンライン接続対応のものでない場合でも、顧客が自身の携帯端末を用いてオペレータ端末に接続する場合を例示した。第3の実施形態でも説明したが、顧客は、携帯端末を用いて、オペレータ端末と音声通信をしてもよいし、携帯端末がビデオ通信(画像通信及び音声通信)が可能である場合には、オペレータ端末とビデオ通信するようにしてもよい。
(D-3) In the third embodiment described above, the case where the customer connects to the operator terminal using his / her mobile terminal even when the ATM is not compatible with online connection is exemplified. As described in the third embodiment, the customer may perform voice communication with the operator terminal using the portable terminal, or when the portable terminal is capable of video communication (image communication and voice communication). Alternatively, video communication with the operator terminal may be performed.
Claims (9)
- 入力された取引情報に基づいて出金取引を行なう取引装置であって、
入力された出金金額が所定の限度額を超える場合に、接続しているオペレータ端末からの出金指示に基づいて、出金処理を行なう取引制御部、
を備える取引装置。 A transaction apparatus for performing a withdrawal transaction based on input transaction information,
A transaction control unit for performing a withdrawal process based on a withdrawal instruction from a connected operator terminal when the input withdrawal amount exceeds a predetermined limit amount;
A transaction apparatus comprising: - 前記入力された出金金額が所定の限度額を超える場合に、音声画像通信を行なうことができるオペレータ端末と接続処理する接続制御部をさらに備え、
前記取引制御部が、前記接続制御部を通じて、前記オペレータ端末から取得した出金指示に基づいて出金処理を行なう、
請求項1に記載の取引装置。 A connection control unit that performs connection processing with an operator terminal capable of performing voice image communication when the input withdrawal amount exceeds a predetermined limit amount;
The transaction control unit performs a withdrawal process based on a withdrawal instruction acquired from the operator terminal through the connection control unit.
The transaction apparatus according to claim 1. - 前記接続制御部が、接続しているホストサーバから前記出金金額が取引限度額を超えている場合に、前記オペレータ端末と接続処理を実行する、請求項2に記載の取引装置。 The transaction apparatus according to claim 2, wherein the connection control unit executes connection processing with the operator terminal when the withdrawal amount exceeds a transaction limit amount from a connected host server.
- 前記取引装置の現金収納部に収納されている残数情報を管理する残数情報管理部をさらに備え、
前記残数情報管理部により、前記出金金額が前記現金収納部に収納されている残数を超えていると判断された場合に、前記接続制御部が、前記オペレータ端末と接続処理を実行する、請求項2に記載の取引装置。 A remaining number information management unit for managing remaining number information stored in the cash storage unit of the transaction apparatus;
When the remaining number information management unit determines that the withdrawal amount exceeds the remaining number stored in the cash storage unit, the connection control unit executes connection processing with the operator terminal. The transaction apparatus according to claim 2. - 前記取引制御部が、
前記入力された出金金額が所定の限度額を超える場合に、オペレータ端末と接続するための所定のキー情報を表示し、
前記所定のキー情報の正当性を確認した前記オペレータ端末からの出金指示に基づいて出金処理を行なう、
請求項1に記載の取引装置。 The transaction control unit
When the input withdrawal amount exceeds a predetermined limit, display predetermined key information for connecting to the operator terminal,
A withdrawal process is performed based on a withdrawal instruction from the operator terminal that confirms the validity of the predetermined key information.
The transaction apparatus according to claim 1. - 前記取引制御部が、接続しているホストサーバから前記出金金額が取引限度額を超えている場合、又は、前記出金金額が前記取引装置の現金収納部に収納されている残数を超えている場合に、所定のキー情報を表示する、請求項5に記載の取引装置。 If the withdrawal amount exceeds the transaction limit amount from the host server to which the transaction control unit is connected, or the withdrawal amount exceeds the remaining number stored in the cash storage unit of the transaction device The transaction apparatus according to claim 5, wherein predetermined key information is displayed when the transaction information is displayed.
- 前記取引制御部が、前記出金金額が取引限度額を超える場合でも、前記オペレータ端末からの出金指示に基づき、取引限度額を超える金額の出金を許容する、請求項3又は6に記載の取引装置。 7. The transaction control unit according to claim 3 or 6, wherein, even when the withdrawal amount exceeds a transaction limit, the withdrawal of an amount exceeding the transaction limit is permitted based on a withdrawal instruction from the operator terminal. Transaction equipment.
- 前記取引制御部が、前記出金金額が残数を超える場合に、前記オペレータ端末からの出金指示に基づき、前記残数の金額の出金を許容する、請求項4又は6に記載の取引装置。 The transaction according to claim 4 or 6, wherein, when the withdrawal amount exceeds the remaining number, the transaction control unit allows the withdrawal of the remaining amount based on a withdrawal instruction from the operator terminal. apparatus.
- オペレータ端末と、
入力された取引情報に基づいて出金取引を行なう請求項1~7のいずれか1項に記載の取引装置と、
を備える取引システム。 An operator terminal;
The transaction apparatus according to any one of claims 1 to 7, which performs a withdrawal transaction based on input transaction information;
A trading system comprising:
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JP2007048118A (en) * | 2005-08-11 | 2007-02-22 | Oki Electric Ind Co Ltd | Automatic teller machine and automatic transaction system |
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JPH0351030B2 (en) * | 1982-03-26 | 1991-08-05 | Oki Electric Ind Co Ltd | |
JPH0554236A (en) * | 1991-08-21 | 1993-03-05 | Nec Corp | Automatic cash receiving and paying machine provided with video telephone set function |
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