WO2016098219A1

WO2016098219A1 - Atm-cash-loading management system, and atm-cash-loading management method

Info

Publication number: WO2016098219A1
Application number: PCT/JP2014/083508
Authority: WO
Inventors: 崇志山岸; 正卓板倉; 匡哲雨貝; 真也関; 大悟川合; 山田　弘樹
Original assignee: 株式会社日立製作所
Priority date: 2014-12-18
Filing date: 2014-12-18
Publication date: 2016-06-23
Also published as: JPWO2016098219A1; JP6043034B2; SG11201607244YA

Abstract

In order to enable a reduction in the costs accompanying work related to loading cash into ATMs, this ATM-cash-loading management system (100) is provided with a configuration including: a storage device (101) for storing an ATM management table (125) in which information related to the cash holding amount in each of a plurality of ATMs (200) is stored; and a calculation device (104) which receives, from user terminals (300), scheduled notifications of ATM transactions by prescribed users, uses the ATM management table (125) to specify ATMs (200) having a cash holding amount that will change towards a prescribed reference as a result of the transactions indicated by the scheduled notifications being carried out, and transmits, to the user terminals (300), information recommending transactions using the specified ATMs (200).

Description

ATM cash loading management system and ATM cash loading management method

The present invention relates to an ATM cash loading management system and an ATM cash loading management method.

ATMs are installed in various places such as financial institutions as well as various retail stores such as convenience stores, public facilities, and streets, and the installation range and number of installations continue to expand. On the other hand, in order to efficiently manage and operate such ATMs, appropriate measures are required, and various techniques have been proposed in the past.

For example, in an ATM corner of a shopping center or the like where ATMs of multiple financial institutions are installed in one place, if a customer concentrates on a ATM of a financial institution or breaks down, alleviate it or eliminate inconvenience For that purpose, each ATM of a plurality of financial institutions, a customer information monitoring device for monitoring customer status at each ATM, an information display device comprising a control unit and a display, an ATM operation management device, etc. It is connected to an ATM corner by a communication line, and is composed of a monitoring status management device having a condition database, a guidance necessity determination section, a guidance information notification section, etc., and guides the ATM to other financial institutions in the condition database A guidance system to another ATM having a condition and a table indicating a message corresponding to the condition (see Patent Document 1) There has been proposed.

In addition, it is possible for customers at stores to receive time service during the time when they can visit the store, and to average the distribution of customer visits during the day to eliminate congestion at specific times. In the time service management device that provides time service, the number of store visits by time zone that counts the number of visits by time zone for each customer, and the number of store visits by time zone that is tabulated for each customer, A time service management device (see Patent Document 2) including a customer-specific time service setting unit that sets a time zone including a customer's past visit time zone as an individual time service time zone for the customer has also been proposed. Yes.

JP 2008-84166 A JP 2004-78471 A

As described above, techniques for efficiently using ATMs and improving user convenience have been proposed. However, there has been no technology for improving the efficiency of managing and operating the cash loaded in the ATM and reducing the cost.

ATM is a device that has a cash deposit / withdrawal function for users as its basic function, and therefore requires regular or temporary cash loading work by a security company or the like. In addition, this work is a cost factor for ATM operating companies such as financial institutions. In particular, in the business model that provides ATM resources to multiple financial institutions and earns commission income from each financial institution, the cost of the above-mentioned cash replenishment work accounts for a large proportion of the operating costs and is ignored. It was an impossible cost factor.

Therefore, an object of the present invention is to provide a technique that enables cost reduction associated with cash loading work to an ATM.

The ATM cash loading management system of the present invention that solves the above problems includes a storage device that stores an ATM management table storing information on the amount of cash held in each of a plurality of ATMs, and an ATM transaction schedule notification by a predetermined user from a user terminal. The ATM management table specifies the ATM whose cash holding amount will change toward the predetermined standard when the transaction indicated by the schedule notification is executed, and recommends the transaction at the specified ATM. Is provided to the user terminal.

Also, in the ATM cash loading management method of the present invention, a computer system having a storage device for storing an ATM management table storing information on the amount of cash held in each of a plurality of ATMs is notified by a predetermined user of an ATM transaction schedule notification. The ATM that the cash holding amount will change toward the predetermined standard when the transaction indicated by the schedule notification is received from the terminal is specified in the ATM management table, and the transaction at the specified ATM is recommended. Information to be transmitted is transmitted to the user terminal.

According to the present invention, it is possible to reduce the cost associated with the cash loading operation into the ATM.

It is a figure which shows the network structural example containing the ATM cash loading management system of this embodiment. It is a figure which shows the structural example of the ATM cash loading management system in this embodiment. It is a figure which shows the structural example of ATM in this embodiment. It is a figure which shows the structural example of the user terminal in this embodiment. It is a figure which shows the example of a data structure of the ATM management table in this embodiment. It is a figure which shows the data structural example of the transaction amount threshold value table in this embodiment. It is a figure which shows the data structural example of the banknote number threshold value table in this embodiment. It is a figure which shows the example of a data structure of the user management table in this embodiment. It is a figure which shows the data structural example of the reservation table in this embodiment. It is a flowchart which shows the process example 1 of the ATM cash loading management method in this embodiment. It is a flowchart which shows process sequence example 2 of the ATM cash loading management method in this embodiment. It is a flowchart which shows the process sequence example 3 of the ATM cash loading management method in this embodiment. It is a flowchart which shows the process sequence example 4 of the ATM cash loading management method in this embodiment. It is a figure which shows the output example 1 of the user terminal in this embodiment. It is a figure which shows the output example 2 of the user terminal in this embodiment. It is a figure which shows the output example 3 of the user terminal in this embodiment. It is a figure which shows the output example 4 of the user terminal in this embodiment. It is a figure which shows the output example 5 of the user terminal in this embodiment. It is a figure which shows the output example 6 of the user terminal in this embodiment. It is a flowchart which shows the process sequence example 5 of the ATM cash loading management method in this embodiment. It is a figure which shows the output example 7 of the user terminal in this embodiment. It is a figure which shows the output example 8 of the user terminal in this embodiment.

---System configuration---

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram showing a network configuration example including an ATM cash loading management system of the present embodiment. An ATM cash loading management system 100 shown in FIG. 1 is a computer system for enabling cost reduction associated with cash loading work to an ATM.

This ATM cash loading management system 100 is composed of a server device operated by a financial institution such as a bank or an ATM service providing company, and can communicate with each ATM 200 subject to cash loading management via a secure network 20. It is tied to Further, the ATM cash loading management system 100 is connected to a user terminal 300 which is a user terminal using the ATM 200 via an appropriate network 30 such as a mobile phone network.

Subsequently, the hardware configuration of the ATM cash loading management system 100 in the present embodiment, and the above-described ATM 200 and user terminal 300 will be described. FIG. 2 is a diagram illustrating a hardware configuration example of the ATM cash loading management system 100 according to the present embodiment. An ATM cash loading management system 100 illustrated in FIG. 2 includes a storage device 101 including an appropriate nonvolatile storage element such as an SSD (Solid State Drive) and a hard disk drive, and a memory 103 including a volatile storage element such as a RAM. The program 102 held in the storage device 101 is read out and executed in the memory 103 to perform overall control of the device itself, and it is connected to the arithmetic device 104 such as a CPU for performing various determinations, computations and control processing, and the network 20. At least a communication device 105 responsible for communication processing with the device is provided.

In the storage device 101 described above, in addition to the program 102 for implementing functions necessary as an information processing device constituting the ATM cash loading management system 100 of the present embodiment, data types 110 necessary for various processes are stored. It is remembered. The data 110 includes at least an ATM management table 125, a transaction amount threshold value table 126, a banknote number threshold value table 127, a reservation table 128, and a user management table 129, which will be described later.

On the other hand, the above-described ATM 200 includes, as shown in FIG. 3, a general apparatus configuration as an ATM such as a cash hangar 220, a cash transport mechanism 230, and a cash slot 240, and a computer 250 that executes control of such an apparatus. I have. Among these, the computer 250 reads out to the memory 203 a storage device 201 composed of an appropriate nonvolatile storage element such as a hard disk drive, a memory 203 composed of a volatile storage element such as a RAM, and a program 202 held in the storage device 201. And the like, and performs overall control of each of the above-described devices and performs various determinations, computations, and control processes, an arithmetic device 204 such as a CPU, an input device 205 such as a touch panel and a keyboard that accepts input from a user, and outputs processing results. An output device 206 such as a display and a speaker, and a communication device 207 connected to the network 20 and responsible for communication processing with an external device such as the ATM cash loading management system 100 are provided.

In addition, in the above-described storage device 201, in addition to a program 202 for implementing functions required as the ATM 200, cash holding data 210 in the above-described cash storage 220 of the ATM 200 is stored. The cash holding amount data 210 is distributed from the ATM 200 to the ATM cash loading management system 100 via the network 20 at regular intervals or in response to a request from the ATM cash loading management system 100.

In addition, the user terminal 300 according to the present embodiment includes a hardware configuration similar to that of a general computer terminal, for example, a smartphone, and as illustrated in FIG. 4, a storage device including an appropriate nonvolatile storage element. 301, a memory 303 composed of a volatile storage element such as a RAM, and a program 302 held in the storage device 301 is read out and executed in the memory 303 to perform overall control of the device itself and perform various determinations, computations and control processes. An arithmetic device 304 such as a CPU to perform, an input device 305 such as a touch panel and a keyboard for receiving input from a user, an output device 306 such as a display or speaker for outputting processing results, and an appropriate network 30 such as a mobile phone network are connected to Communication equipment responsible for communication processing with ATM cash loading management system 100 307, and includes a GPS unit 308 to identify the current location to obtain information from the GPS satellites.

In the above-described storage device 301, in addition to the program 302 for implementing functions necessary as the user terminal 300 of the present embodiment, it is necessary for various processes such as the address of the ATM cash loading management system 100 in the network 30. Data 310 is stored. The above-described program 302 can assume an appropriate smartphone application that provides an interface and a function corresponding to the ATM cash loading management method of the present embodiment.
---function---

Subsequently, functions provided in the ATM cash loading management system 100 of this embodiment will be described. As described above, the functions described below can be said to be implemented by executing the program 102 provided in the ATM cash loading management system 100, for example. Here, the functions and processing contents of the ATM 200 and the user terminal 300 necessary for explaining the functions of the ATM cash loading management system 100 are also shown as appropriate.

The ATM cash loading management system 100 according to the present embodiment receives an ATM transaction schedule notification by a predetermined user such as a customer of a financial institution from the user terminal 300, and a predetermined transaction such as deposit or withdrawal indicated by the schedule notification or cash transfer is performed. The ATM 200 whose cash holding amount is preferably changed toward the predetermined standard by being executed is specified in the ATM management table 125, and information recommending the transaction at the specified ATM 200 is specified via the network 30. And has a function of transmitting to the user terminal 300 described above.

Note that the “predetermined standard” for the amount of cash held is, for example, a standard amount of cash that can respond to a deposit / withdrawal transaction request of each user who visits the ATM within a certain period without any problem. Therefore, “the amount of cash held preferably changes toward the predetermined standard” indicates that the amount of cash stored in the cash storage 220 of the ATM 200 approaches the standard amount. For example, if there is an ATM 200 with a small margin that the cash holding amount of the cash hangar 220 can sufficiently meet the subsequent withdrawal request, the user who conducts a transaction of deposit or cash transfer to the corresponding ATM 200 is guided to When the deposit process or the like is executed, the cash holding amount “preferably changes toward the predetermined standard” in the ATM 200. On the other hand, if a large amount of cash has already been held in the cash hangar 220 and there is an ATM 200 with a small margin that can sufficiently meet the demand for subsequent deposits or cash transfers, the user who conducts the withdrawal transaction to the ATM 200 is guided. If the cash withdrawal process is actually executed, the cash holding amount is preferably changed toward the predetermined standard in the ATM 200. That is, the above-mentioned predetermined standard is different depending on whether the user's desired transaction is payment (including cash transfer, the same applies hereinafter) or withdrawal.

The user who browses the above-mentioned recommended information on the user terminal 300 recognizes the predetermined ATM 200 that should execute his / her transaction, and easily visits the ATM 200 to perform actual transactions such as cash deposit and withdrawal.

Note that it is preferable that the ATM cash loading management system 100 stores information on the amount of cash held for each cash type, such as banknotes of each face value, in each of the plurality of ATMs in the above-described ATM management table 125. In this case, when the ATM cash loading management system 100 transmits the above-described recommended information, the transaction indicated by the schedule notification is executed, so that the ATM holding amount of the predetermined type changes toward the predetermined standard. Is specified in the ATM management table 125, and a function for transmitting information recommending the transaction specified in the ATM to the user terminal 300 is further provided.

The “predetermined standard” for the amount of cash held for each cash type described above is, for example, a bill of each face value that can respond to a deposit / withdrawal transaction request of each user who visited the corresponding ATM within a certain period without any problem. It is the number of sheets. Therefore, “the holding amount for each cash type preferably changes toward the predetermined standard” means that the number of banknotes held for each face value corresponding to each cash type stored in the cash storage 220 of the ATM 200 approaches the reference number. Show. For example, when there is an ATM 200 that has a margin that can sufficiently meet the subsequent withdrawal request, the amount of the banknote of a certain face value, that is, the number of possessed coins, among the cash held in the cash hangar 220 is deposited to the ATM 200. Alternatively, if a cash transfer transaction is guided and cash deposit processing or the like is actually executed, the ATM 200 “preferably changes the number of cash holdings (of the type that is lacking) toward a predetermined standard. It will be. On the other hand, when a large number of banknotes of a certain face value are already held in the cash hangar 220 and there is an ATM 200 with a small margin that can sufficiently respond to a request for subsequent deposit or cash transfer with respect to the corresponding banknote, If the user who conducts the withdrawal transaction of the banknote is guided and the cash withdrawal process is actually executed, in the ATM 200, “the number of cash holdings (of excessive holding type) is preferably changed toward a predetermined standard. Will do.

A user who browses the above recommended information on the user terminal 300 recognizes a predetermined ATM 200 to execute his / her own transaction, and visits the ATM 200 to perform an actual transaction such as a recommended type of cash deposit or withdrawal. It becomes easy to do.

In addition, the ATM cash loading management system 100 includes the incentive information scheduled to be provided to the user when the transaction indicated by the schedule notification is executed for the specified ATM when the recommended information is transmitted, and includes the recommended information in the user terminal. A function of transmitting to 300 is further provided. Here, the incentive is not particularly limited. For example, the incentive is a point that can be used for payment for a product or a service. In that case, the incentive information is information on the number of points scheduled to be given to the user.

In addition, when the ATM cash loading management system 100 transmits the above recommended information, the incentive information that increases according to the degree of divergence between the specified ATM cash holding amount and the predetermined standard is displayed in the transaction indicated by the above schedule notification. When it is executed, it is further provided with a function of including the recommended information as incentive information scheduled to be provided to the user and transmitting it to the user terminal 300. In this case, in the ATM management table 125, incentive information such as the number of points corresponding to the difference between the cash holding amount of each ATM 200 and the above-mentioned predetermined standard is associated with each type of transaction such as deposit and withdrawal. Stored. Therefore, when sending the recommended information, the ATM cash loading management system 100 specifies the incentive information that increases according to the degree of deviation between the cash holding amount of the ATM 200 and the predetermined standard in the ATM management table 125 described above, and this is specified. It is included in the recommended information and transmitted to the user terminal 300.

In addition, when the ATM cash loading management system 100 transmits the above-mentioned recommended information, the transaction indicated by the above-mentioned schedule notification indicates incentive information that increases in accordance with the degree of deviation between the specified ATM cash holding amount and the predetermined standard. Is included in the recommended information as information of each incentive scheduled to be provided to the corresponding user and is transmitted to the user terminal 300. As information of each incentive regarding each ATM, for example, a list of the number of points scheduled to be acquired by the user when the corresponding transaction is executed at each ATM can be assumed.

In addition, when the ATM cash loading management system 100 stores the cash holding amount information and the location information in each of the plurality of ATMs in the ATM management table 125 described above, the ATM transaction schedule notification by a predetermined user Receiving the current location information of the corresponding user from the user terminal 300, the cash holding amount changes toward the predetermined reference by executing a transaction indicated by the schedule notification among ATMs within a predetermined distance from the current location of the corresponding user. The ATM management table 125 is further provided with a function for specifying the ATM. In this case, when the ATM cash loading management system 100 transmits the above recommended information, the ATM incentive information that increases according to the degree of divergence between the specified ATM cash holding amount and the predetermined standard is displayed in the ATM. Are generated as information on each incentive scheduled to be provided to the corresponding user when executed on each of the above, and map data indicating the location of each identified ATM and the current location of the corresponding user is generated, thus generating information on each incentive generated And a function of including map data in the recommended information and transmitting it to the user terminal 300.

In addition, when sending the above-mentioned recommended information, the ATM cash loading management system 100 includes the incentive information scheduled to be provided to the corresponding user when the transaction indicated by the above-mentioned schedule notification is executed for the specified ATM. After receiving the reservation notification regarding the corresponding transaction at the predetermined ATM 200 out of the ATM indicated by the recommended information after being transmitted to the terminal 300, the corresponding at the corresponding ATM 200 within the predetermined time from the reception of the reservation notification. The corresponding ATM 200 is monitored to determine whether the corresponding transaction has been executed by the user, and when the corresponding transaction is executed within a predetermined time, the storage device 101 is further provided with the above-described incentive grant information for the corresponding user.

“Storing incentive assignment information regarding the user in the storage device 101” corresponds to, for example, processing for storing the value of the points acquired by the user in the record of the user in the user management table 129 described later. is doing. When there are multiple incentive granting opportunities for a certain user, the number of points is added to the value of the existing points at the second and subsequent storages for that user.

In addition, the ATM cash loading management system 100 stores the above-described incentive assignment information regarding the corresponding user in response to the execution of the corresponding transaction by the corresponding user at the corresponding ATM 200 within a predetermined time from the reception of the reservation notification. 101, and after the execution of the transaction within the predetermined time described above, the ATM 200 is monitored whether the transaction opposite to the transaction by the user at the ATM 200 is executed within the predetermined reference period. When the opposite transaction is executed within the reference period, a function of canceling the storage of the above-described incentive grant information regarding the corresponding user is further provided.

For example, it is assumed that there is a user who has made a deposit process to a certain ATM 200 according to the recommended information described above. In addition, this user has been given a predetermined number of points by actually performing a deposit process at the ATM 200 suggested by the recommended information. However, it is assumed that the user executes an opposite transaction, that is, a withdrawal process at the ATM 200 after a short time has elapsed since the most recent deposit process associated with the point acquisition, and has taken out the cash that was just deposited. If no measures are taken with respect to this counter transaction, each user can only earn points without changing the cash on hand as long as the transaction at the corresponding ATM 200 according to the recommended information and the counter transaction are repeated sequentially. It will be possible. On the other hand, with the ATM cash loading management system 100 having the functions as described above, it is possible to eliminate the point acquisition behavior due to such a counter trade in a short time.

It should be noted that the ATM cash loading management system 100 performs the transaction indicated by the schedule notification by the user for the predetermined ATM 200 indicated by the above-described recommendation information, so that the cash holding amount satisfies the above-mentioned predetermined standard. If it is determined that, as a result of this determination, the amount of cash held by the execution of the above-mentioned transaction will satisfy the predetermined standard, the cash holding amount of the ATM 200 does not meet the predetermined standard until the situation described above is reached. It also has a function to exclude it from the recommended target.

For example, when the corresponding user executes a deposit operation indicated by the schedule notification for a predetermined ATM 200 indicated by the recommended information, cash is added to the cash storage 220 of the ATM 200. Therefore, the ATM cash loading management system 100 determines whether the cash holding amount of the ATM 200 is increased by the above-described payment, and the amount reaches a sufficient value satisfying the above-mentioned predetermined standard. As a result of the determination, if it is found that the cash holding amount satisfies the predetermined standard by executing the above transaction, the ATM cash loading management system 100 at least deposits the ATM 200 record in the ATM management table 125, for example. A flag indicating that it is not a recommendation target, that is, a point grant exception, is set, and regarding the payment indicated by the schedule notification of each subsequent user, the ATM 200 in which the corresponding flag is set is excluded from the search target and excluded from the above-mentioned recommendation target To do.

Thereafter, in the corresponding ATM 200, it is assumed that the cash in the cash hangar 220 is reduced by making a withdrawal by the user, and finally only a cash amount less than the predetermined standard is held. The ATM cash loading management system 100 that monitors the cash holding amount of each ATM 200 senses such a situation, deletes the above-mentioned flag set for the ATM 200 in the ATM management table 125, and applies at least to the deposit. The ATM 200 is set as a search target and returned to the above-described recommendation target.
---- Data structure example ---

Next, an example of the data structure in the table used by the ATM cash loading management system 100 of this embodiment will be described. FIG. 5 is a diagram showing a data configuration example of the ATM management table 125 in the present embodiment. The ATM management table 125 is a table that stores information on the amount of cash held in each of a plurality of ATMs that the ATM cash loading management system 100 targets for cash loading management. In the ATM management table 125 shown in FIG. 5, the ATM machine number that is the identification information of each ATM 200 is used as a key, the installation location of the ATM 200, the cash balance (cash holding amount) of the cash hangar 220, the number of banknotes, the planned balance, It is an aggregate of records in which values such as the planned number of bills, deposit points, and withdrawal points are associated with each other.

Of these, the number of banknotes indicates the number of banknotes of each face value held in the cash hangar 220 of each ATM 200. In the example of FIG. 5, for example, with regard to the ATM 200 “xxx-10001”, the current number of banknotes of each face value is “thousand yen bills: 500 sheets”, “two thousand yen bills: 500 sheets”, “ It shows the situation of “5,000 yen bills: 500” and “10,000 yen bills: 520”.

Further, the scheduled balance indicates an assumed value of the cash balance that has changed due to the cash storage 220 of the ATM 200 being changed by the ATM transaction indicated by the schedule notification described above. In the example of FIG. 5, for example, for the ATM 200 “xxx-10001”, the current cash holding amount, that is, the cash balance is “9,200,000 yen”, but the withdrawal indicated by a certain schedule notification is executed. In this case, the cash balance is reduced by “70,000 yen” to become the planned balance “9130,000 yen”.

In addition, the scheduled number of banknotes indicates an estimated value of the number of banknotes that has changed due to the banking of a predetermined face value occurring in the cash storage 220 of the ATM 200 by performing the ATM transaction indicated by the schedule notification described above. . In the example of FIG. 5, for example, with regard to the ATM 200 “xxx-1001”, the banknote of 10,000 yen out of the current number of banknotes is “520”, but a transaction indicated by a certain schedule notification is executed. In this case, the number of sheets is reduced by “7 sheets” to become a scheduled number of sheets by banknote “513 sheets”.

Further, the deposit points are determined according to how much the above-mentioned cash balance differs from a threshold (predetermined standard) defined for deposit in the transaction amount threshold table 126 described later, One of the values of the grant points determined depending on how much the number of sheets differs from the remaining number of banknotes in ATM and a threshold (predetermined standard) defined for deposit processing in the banknote number threshold table 127 described later. It becomes. The value in the banknote number threshold table 127 is adopted because the number of banknotes of the corresponding ATM matches the threshold value of the remaining number set in the banknote number threshold table 127 (in the case of deposit, the threshold is below, in the case of withdrawal) Is greater than or equal to a threshold value) (the same applies hereinafter).

For example, the first threshold defined for deposit in the transaction amount threshold table 126 is “1,000,000 yen”, and the cash balance in the above-mentioned ATM 200 “xxx-1001” is “9,200,000 yen”. Since it exceeds the threshold, the deposit point is “0 points”.

On the other hand, the cash balance in the ATM 200 “yyy-10003” is “400,000 yen”, which is below the threshold, and according to the transaction amount threshold table 126, the second threshold “500,000 yen” and the third threshold Since it falls within the range of “100,000 yen”, according to the transaction amount threshold value table 126, the deposit point is “5 points / 1000 yen”. However, the number of banknotes in the ATM 200, “yyy-10003”, is “1000 yen: 10 sheets”, “2,000 yen: 0 sheets”, “5,000 yen: 60 sheets”, and “10,000 yen: 9 sheets”. If this is compared with each threshold value related to the deposit process of the banknote number threshold value table 127, “20 points / sheet” for a thousand yen bill that is “20 sheets or less”, and 10,000 yen that is also “20 sheets or less”. “24 points / sheet” for the bill. As described above, the number of banknotes of the corresponding ATM matches the threshold value of the remaining number of sheets determined in the banknote number threshold value table 127 (in the case of depositing, the threshold value or less). In other words, each value of “20 points / sheet” for the thousand yen bill and “24 points / sheet” for the 10,000 yen bill is adopted as the deposit point.

Further, the withdrawal point is determined according to how much the above-mentioned cash balance differs from a threshold (predetermined standard) defined for withdrawal in the transaction amount threshold table 126 described later, The value of the grant point determined according to how much the number of each banknote differs from the remaining number of banknotes in the ATM and a threshold (predetermined standard) defined for the withdrawal process in the banknote number threshold table 127 described later. One of the values.

For example, the first threshold defined with respect to withdrawal in the transaction amount threshold table 126 is “9,000,000 yen”, and the cash balance in the above-described ATM 200 “xxx-1001” is “9,200,000 yen”. In the transaction amount threshold value table 126, the withdrawal point is “1 point / 1000 yen” because it falls within the range of the first threshold value and the second threshold value “9,500,000 yen”. It is. However, the number of banknotes in the ATM200, “xxx-1001,” is “1,000 yen: 500 sheets”, “2,000 yen: 500 sheets”, “5,000 yen: 500 sheets”, and “10,000 yen: 520 sheets”. Yes, if this is compared with each threshold value related to the withdrawal process of the banknote number threshold value table 127, the number of banknotes for all types of banknotes is equal to or more than the threshold value of “400 or more”, and “5 points / one” for the thousand yen bill "7 points / 1 sheet" for 2000 yen bills, "12 points / 1 sheet" for 5000 yen bills, "20 points / 1 sheet" for 10,000 yen bills. As described above, since the number of individual ATM banknotes matches the threshold of the remaining number of sheets determined in the banknote number threshold value table 127 (in the case of withdrawal, the value is equal to or greater than the threshold value). That is, “5 points / sheet” for a thousand yen bill, “7 points / sheet” for a 2000 yen bill, “12 points / sheet” for a 5,000 yen bill, and “20 points / sheet” for a 10,000 yen bill Each value of “1 sheet” will be adopted as a withdrawal point.

On the other hand, the cash balance in the ATM 200 “yyy-10003” is “400,000 yen”, which is below the first threshold in the transaction threshold table 126, and the withdrawal point is “0 points”.

In addition, each value of the number of bills per banknote and the number of bills per banknote in the above-described ATM management table 125 and each value of the bill type and remaining number in the bill count threshold table 127 are stored for a plurality of types of coins having different face values. It is good. In this case, there may occur cases where the deposit points and withdrawal points in the ATM management table 125 include values set according to the types of such coins.

FIG. 6 is a diagram showing a data configuration example of the transaction amount threshold table 126 in the present embodiment. The transaction amount threshold value table 126 is a table that stores a cash balance threshold value for determining the number of granted points, which is determined according to the amount of cash balance in the ATM 200. In other words, it can be said that this threshold value is determined according to the necessity of deposit or withdrawal at the ATM 200. The transaction amount threshold value table 126 shown in FIG. 6 is a collection of records in which the value of the number of points assigned is associated with each of the processing of depositing and withdrawing using the first to third thresholds relating to the cash balance as keys. It has become.

FIG. 7 is a diagram showing a data configuration example of the banknote number threshold value table 127 in the present embodiment. This banknote count threshold table 127 is used when transactions of the corresponding denominations (cash deposit / withdrawal) are performed under the condition of satisfying the threshold of the banknote count of each denomination to be kept in the cash storage 220 of each ATM. It is the table which defined the correspondence with the point given to. The banknote number threshold value table 127 in the present embodiment is assigned to each transaction of the corresponding denomination banknote for each processing of deposit and withdrawal, using the first to third threshold values relating to the remaining number of banknotes of each denomination as a key. It is a collection of records that associate the value of the number of points.

FIG. 8 is a diagram showing a data configuration example of the user management table 129 in the present embodiment. The user management table 129 is a table that stores information about each user. The user management table 129 shown in FIG. 8 is a set of records in which information such as an e-mail address of the user and an acquisition point up to the present is associated with a user ID as identification information for uniquely identifying each user as a key. It is a body.

FIG. 9 is a diagram showing a data configuration example of the reservation table 128 in the present embodiment. The reservation table 128 is a table for storing the contents of the reservation notification made in response to the above-described schedule notification. The reservation table 128 shown in FIG. 9 uses the reservation ID appropriately numbered to uniquely specify the reservation notification as a key, the user ID of the user who made the reservation, the scheduled ATM machine number, the reservation date and time, and the deadline date and time , A collection of records in which information such as transactions, amounts, breakdowns, and scheduled points are associated with each other.

Of these, the scheduled ATM machine number is identification information of a predetermined ATM selected by the user among the ATMs 200 suggested by the ATM cash loading management system 100 with recommended information to the user who made the corresponding reservation notification. The reservation date / time indicates the date / time when the reservation notification is received, and the deadline date / time indicates the date / time after a predetermined time (for example, 30 minutes) after the reservation date / time, and the deadline date / time when the corresponding transaction should actually be performed at the ATM 200. “Transaction” indicates the transaction content scheduled by the user, and “Amount” indicates the amount of cash handled in the transaction. “Breakdown” indicates a breakdown of the number of bills for each face value of the banknote scheduled to be used in the transaction. For example, the breakdown of the transaction corresponding to the reservation ID “1111111” is “10,000 yen bills”, which indicates that all “70,000 yen” will be withdrawn with 10,000 yen bills. Similarly, the breakdown of the transaction corresponding to the reservation ID “76554321” is “10,000 yen bills: 4 sheets, thousand yen bills: 10 sheets”, and “50,000 yen” is converted into 10,000 pieces of four sheets. It shows that it is due to deposit with one thousand yen bill and ten thousand yen bills. Further, “scheduled points” indicate the number of points provisionally given for the relevant transaction by the reservation notification.
--- Example of processing procedure ---

Hereinafter, the actual procedure of the ATM cash loading management method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the ATM cash loading management method described below are realized by a program that the ATM cash loading management system 100 reads into the memory or the like and executes. These programs are composed of codes for performing various operations described below.

FIG. 10 is a flowchart showing a processing procedure example 1 of the ATM cash loading management method in the present embodiment. Here, first, it is assumed that a certain user considers cash deposit or cash transfer with respect to a predetermined account using ATM, that is, a deposit transaction. In this case, the user operates an appropriate user terminal 300 such as his / her own smartphone, for example, an interface corresponding to the ATM cash loading management method of this embodiment (see the interface 1200 in FIG. 14) and a function for a smartphone that provides a function. Start the app. The user inputs information about the above-described deposit transaction on the interface displayed by the application on the display 306 of the user terminal 300. The interface 1300 including the result of this input is as illustrated in FIG. In the example of FIG. 15, the corresponding user “900002” is scheduled to conduct a “deposit” transaction of “50,000 yen” with a breakdown of “ten thousand yen bills: 10 sheets” and “10,000 yen bills: 4 sheets”. It is specified that there is. If the user desires a “free” state that does not specify the type of banknote used for the transaction, the user clicks a radio button in the “free” column shown in the interface 1200 of FIGS.

On the other hand, the user terminal 300 acquires each piece of information related to the deposit transaction input by the user via the above-described application, and uses this information as the ATM transaction schedule notification information to the ATM cash loading management system 100 via the network 30. Transmit (s100). In addition to the user ID of the corresponding user, the information on the schedule notification includes information on the type of transaction (e.g., deposit, withdrawal), the amount, and the current location of the user terminal 300, and the interface 1200 described above. If there is a designation for the breakdown of banknotes scheduled to be used at, information on the transaction breakdown is further included. The information on the current location of the user terminal 300 is data such as the coordinate value of the own position obtained by the user terminal 300 from the GPS unit 308.

The ATM cash loading management system 100 receives the above-described schedule notification transmitted from the above-described user terminal 300, and the transaction indicated by the schedule notification is executed, so that the cash balance (cash holding amount) is directed to a predetermined standard. Then, the ATM 200 that preferably changes is specified in the ATM management table 125 (s101). In this case, the ATM cash loading management system 100 determines whether the transaction content indicated by the schedule notification is deposit or withdrawal, and searches the ATM management table 125 for the ATM 200 to which points are given for the transaction. When a plurality of ATMs 200 are searched as a result of this search, the ATM cash loading management system 100 identifies the list of ATMs 200 from which points can be obtained as ATM information that “the cash holding amount preferably changes toward a predetermined standard”. To do. Of course, when only one ATM 200 is searched as a result of the above-described search, only the corresponding ATM is specified as an ATM "a cash holding amount preferably changes toward a predetermined standard".

When the ATM management table 125 illustrated in FIG. 5 is referred to with respect to the transaction indicated by the above-described schedule notification, that is, “payment”, the ATM “yyy-10003” and “zzz-10005” in which the deposit points are set. Two of the ATMs are searched. Therefore, the ATM cash loading management system 100 specifies these two ATMs.

Next, the ATM cash loading management system 100 returns recommendation information including a message to recommend the transaction at the ATM 200 specified in the above step s101 to the above-described user terminal 300 via the network 30 (s102). The above message includes information on the number of points scheduled to be obtained by the user when making a transaction at each ATM 200 (the number of deposit points in the above case) and the location of the user's current location and the location of each ATM 200 identified. It is preferable to further include map data indicating the relationship.

Here, details of the processing (s120) relating to the above-described steps s101 and s102 will be described with reference to FIG. Upon receiving the schedule notification from the user terminal 300, the ATM cash loading management system 100 collates the information on the user current location included in the schedule notification with the information on the installation location of each ATM in the ATM management table 125, and sets a predetermined distance from the user current location. The ATM existing in the range is specified, and further, calculation of points obtained when the transaction indicated by the corresponding schedule notification is performed in the specified ATM is executed (s121).

In this case, the ATM cash loading management system 100 receives information in the ATM management table 125 as to how much the face value banknotes (the number of coins and the total amount) are to be processed (payment / withdrawal) indicated by the schedule notification. Apply points to the conditions indicated by points or withdrawal points to calculate points. For example, at an ATM with the ATM machine number “xxx-100003”, the user makes a “payment” transaction of “50,000 yen” and breaks down into “thousand yen bills: 10” and “10,000 yen bills: 4”. According to the ATM management table 125, 20 points × 10 (thousand-yen bills) +24 points × 4 (10,000-yen bills) = total 224 points will be given to the corresponding user. Similarly, when the same transaction is performed at the ATM with the ATM machine number “xxx-100005”, according to the ATM management table 125, 20 points × 10 (the number of thousand yen bills) +24 points × 4 (10,000 yen) (Number of bills) = Total 224 points will be given to the corresponding user. In the schedule notification, when there is no designation regarding the type of banknote, that is, when “free” is designated in the transaction breakdown column in the interface 1200 of FIG. 14, the ATM cash loading management system 100 indicates the schedule notification. The transaction amount value is applied to a condition (for example, 1 pt / 1000 yen) based on the value of the transaction amount threshold value table 126 among the conditions indicated by the deposit points or withdrawal points in the ATM management table 125, and the above points are calculated. To do. In addition, there is no condition based on the value of the transaction amount threshold table 126, and when only the condition of the grant points per one face value banknote exists, the ATM cash loading management system 100 specifies the condition with the smallest number of grant points. And the value which divided the value of the above-mentioned transaction amount with the face value bill which these conditions prescribe is applied to applicable conditions as the number of transactions, and points are calculated.

The ATM cash loading management system 100 that has calculated the points for each ATM in this manner generates a list in which each ATM is associated with the points scheduled to be given by the transaction at the corresponding ATM, and is stored in the memory 103 or the storage device 101. (S122).

Next, the ATM cash loading management system 100 reads the information on the installation location held in the ATM management table 125 for each ATM within a predetermined distance from the current location of the corresponding user specified in step s121, and maps it to the map. In addition to the data (stored in advance in the storage device), map data indicating the location of each ATM on the map and the current location of the user is also generated on the map (s123).

Also, the ATM cash loading management system 100 transmits the ATM list and map data created in the above steps s122 and s123 to the user terminal 300 including the above recommended information (s124), and ends the flow. After the end of this flow, the process transitions to step s103 in the flow of FIG.

In the above-described specific example, the processing in the case where the transaction indicated by the schedule notification by the user is “deposit” has been described, but the same processing is executed when the transaction is “withdrawal”. In this case, an interface 1400 for the user to specify transaction details on the user terminal 300 is as shown in FIG. 16 and 17 show a situation in which the user with the user ID “900001” specifies that the withdrawal of “70,000 yen” is scheduled to be performed with seven ten thousand yen bills. . Each value that the interface 1500 includes regarding the transaction, the current location information of the user terminal 300 described above, and the like are transmitted from the user terminal 300 to the ATM cash loading management system 100. On the other hand, the ATM cash loading management system 100 refers to the ATM management table 125 regarding the transaction indicated by the notification of the corresponding schedule, that is, “withdrawal”, and the predetermined distance from the current location of the corresponding user terminal 300 among the ATMs for which withdrawal points are set. Each ATM within the range is searched and specified. In the case of the ATM management table 125 illustrated in FIG. 5, the ATM to which the value of the withdrawal point is set is only “xxx-10001”, so only this ATM is specified.

Returning to the description of the flow in FIG. On the other hand, the user terminal 300 receives the above-mentioned recommended information transmitted from the ATM cash loading management system 100, displays it on the display 306 (s103), and provides it for user browsing. Examples of

screens

1600 and 1700 displayed on the display 306 by the user terminal 300 are as shown in FIGS. The screen 1600 in FIG. 18 is within a predetermined distance from the current location of the user “900001” among the ATMs that can earn points when “withdrawal” of “70,000 yen” is performed with seven 10,000 yen bills. The ATM list 1601 and the map 1610 indicate that ATMs # 1 to # 4 are recommended as ATMs. Further, the screen 1700 of FIG. 19 shows the user “900002” among ATMs that can earn points when performing “payment” of “50,000 yen” with four 10,000 yen bills and ten thousand yen bills. The ATM list 1701 and the map 1710 indicate that ATMs # 1 to # 4 are recommended as ATMs within a predetermined distance from the current location.

The user who browses such recommended information on the user terminal 300 recognizes the ATM 200 recommended for his / her transaction execution and the number of points obtained by the transaction, for example, the ATM from which the most points can be obtained or the closest to the current location It will be easier to increase the willingness to conduct actual transactions such as cash deposits and withdrawals by visiting ATMs. That is, the user is guided by the ATM cash loading management system 100 to a transaction at the ATM 200 where the cash balance is not favorable for cash loading management.

The above-mentioned user recognizes that points are given when the corresponding transaction (transaction planned by the corresponding user) is executed at the predetermined ATM 200 indicated by the recommended information, and the intention to actually perform the transaction It is assumed that the ATM 200 to be used for is determined. In this case, the user designates a desired ATM using an appropriate interface on the above-described

screens

1600 and 1700, for example, the reservation buttons 1602 and 1702 of the ATM lists 1601 and 1701, and presses the

OK buttons

1603 and 1703. In this way, the “reservation” instruction is given for the relevant transaction. Of course, there are users who do not give a reservation instruction even if they browse recommended information, and want to make a transaction by visiting an ATM of their choice. For such a user, even if step s103 is executed, no reservation instruction is given, and a reservation non-execution instruction is given through a predetermined interface such as

buttons

1604 and 1704 that do not make a reservation.

If the instruction received at the predetermined interface along with the display of the recommended information is a reservation instruction (s104: y), the user terminal 300 transmits this to the ATM cash loading management system 100 as a reservation notification. (S105). On the other hand, if the instruction received at the interface of the application corresponds to the intention not to make a reservation (s104: n), the ATM cash loading management system 100 does not execute the subsequent processing in the flow, End the flow.

On the other hand, the ATM cash loading management system 100 that has received the reservation notification described above generates a record in the reservation table 128 and stores information indicated by the reservation notification in this record (s106). In the scheduled point column of this record, the value of the number of points indicated by the recommended information is stored as the number of provisional points. In the process of step s106, when a certain user actually performs a predetermined processing content at a certain ATM 200, the number of points given to the user is provisionally secured.

The ATM cash loading management system 100 executes the flow shown in FIG. 12 in parallel with the reservation notification storing process described above. In this case, when the transaction content indicated by the reservation notification is executed, the ATM cash loading management system 100 changes the cash balance in the corresponding ATM 200, and sets a threshold (predetermined standard) defined for the corresponding processing in the transaction amount threshold table 126. It is determined whether it will exceed (or fall) (s150).

As a result of this determination, when it is found that the cash balance of the corresponding ATM 200 is above (or below) the threshold (s151: y), the ATM cash loading management system 100 has the cash balance of the corresponding ATM 200 below (or above) the threshold. Until the situation is reached, in order to exclude the above-mentioned recommended target (which can also be said to be a point grant target), for example, for the corresponding ATM 200 record in the ATM management table 125, the relevant processing (eg, deposit) is not recommended. A flag signifying that the point is not to be granted is set, and regarding the payment indicated by the schedule notification of each subsequent user, the ATM 200 in which the flag is set is excluded from the search target and excluded from the above-mentioned recommendation target (s152).

After such flag setting, the cash balance of the cash hangar 220 changes as a result of various processing such as deposit and withdrawal by other users at the corresponding ATM 200, and finally falls below the above-mentioned predetermined standard (or )). The ATM cash loading management system 100 monitoring each ATM 200 senses such a situation (s153), deletes the flag set in the corresponding ATM 200 in the ATM management table 125, and performs the corresponding processing (eg, payment). ), The corresponding ATM 200 is set as a search target and returned to the above-described recommendation target (s154).

The ATM cash loading management system 100 executes such a series of steps (s150 to s154) every time a reservation notification is received from the user terminal 300 of each user.

The above-described flows s150 to s154 are executed based on the banknote number threshold table 127 in addition to the case where the flow is executed based on the transaction amount threshold table 126. In the ATM cash loading management system 100 in this case, as shown in the flow of FIG. 13, when the transaction content indicated by the reservation notification is executed, the number of face value banknotes in the corresponding ATM 200 changes, and the banknote number threshold table 127 It is determined whether it exceeds (or falls below) a threshold value (predetermined standard) defined for the relevant process (s155).

As a result of this determination, when it is found that the number of banknotes of the full face value exceeds (or falls below) the threshold value in the corresponding ATM 200 (s156: all), the ATM cash loading management system 100 determines the number of banknotes of each face value of the corresponding ATM 200. In order to exclude from the above-mentioned recommended target (which can be said to be a point grant target) until the situation falls below (or exceeds) the threshold value, for example, the corresponding process (example) for the record of the corresponding ATM 200 in the ATM management table 125 : Set a flag indicating non-recommended subject, that is, not subject to point granting, and regarding the deposit indicated by the schedule notification of each subsequent user, the ATM 200 in which the corresponding flag is set is excluded from the search target. Exclude from the target (s157).

Moreover, as a result of the above-described determination, when it is found that the number of banknotes of the predetermined face value exceeds (or falls below) the threshold value in the corresponding ATM 200 (s156: part), the ATM cash loading management system 100 determines that the corresponding ATM 200 Until the number of bills on the face value falls below (or exceeds) the threshold value, for example, the corresponding ATM 200 in the ATM management table 125 is to be excluded from the above-mentioned recommended target (which can be said to be a point grant target). With respect to the record of the corresponding value (e.g., deposit), a flag indicating a non-recommended value, i.e., not a point grant target, is set for the corresponding face value banknote. The ATM200 with the corresponding flag set is excluded from the search target and excluded from the above recommended target That (s158).

In addition, after such flag setting, the number of the corresponding banknotes in the cash hangar 220 is changed by various processes such as depositing and withdrawing the corresponding face value banknotes by other users in the corresponding ATM 200, and finally the above-mentioned Suppose that the situation has reached (or exceeded) a predetermined standard. The ATM cash loading management system 100 monitoring each ATM 200 senses such a situation (s159), deletes the above-mentioned flag set in the corresponding face value bank of the corresponding ATM 200 in the ATM management table 125, and performs the corresponding processing. With respect to (example: deposit of the corresponding face value banknote), the corresponding ATM 200 is set as a search target and returned to the above-described recommended target (s160).

Returning to the description of the flow in FIG. Subsequent to step 106, the ATM cash loading management system 100 starts monitoring the ATM 200 that the corresponding user is scheduled to use in accordance with the reservation notification received (s107). For example, this monitoring is performed by accessing the ATM 200 at regular intervals or by acquiring a processing log at the ATM 200 transmitted from the ATM 200 at regular intervals, and the above-mentioned reservation is included in the processing log. This corresponds to the operation of searching whether the user ID of the user who issued the notification and the transaction history indicated by the reservation notification are included. Of course, when the ATM 200 itself performs such a monitoring operation and detects that the corresponding process is performed by the corresponding user, the ATM cash loading management system 100 may be notified to that effect.

On the other hand, after the user performs the operation of transmitting the above-described reservation notification to the ATM cash loading management system 100, the user moves toward the ATM 200 selected by the user and displays the appropriate interface displayed on the touch panel 206 of the ATM 200. Then, touch the “deposit” transaction button corresponding to the reservation notification described above, and further perform appropriate operations such as inserting cash into the cash slot 240 and specifying the deposit amount with the numeric keypad of the touch panel 206. .

The log of the processing executed in the ATM 200 in accordance with such user operation is sent from the ATM 200 to the ATM cash loading management system 100 as described above. Of course, in this log, in addition to the ATM machine number of the corresponding ATM, the user ID read from the user's cash card, the type of transaction (payment / withdrawal) specified on the touch panel 206, the breakdown of the inserted banknote, and Each amount information is included.

For example, the ATM cash loading management system 100 executes the corresponding process by the user corresponding to the reservation notice within a predetermined time (eg, within 30 minutes) from the time of receiving the reservation notice in the monitoring process for the corresponding ATM 200 described above. If it has been detected (s108: y), a search is performed in the user management table 129 using the user ID of the corresponding user as a key, and the value in the acquisition point column in the record of the corresponding user is searched for in step s106 described above. The value of the number of points stored in the scheduled point column of the reservation table 129 is added (s109). By this process, the number of points that was provisional at the time of execution of step s106 is certainly given to the corresponding user, and has transitioned to the confirmed state.

However, a user who has obtained a predetermined number of points by actually making a transaction at the ATM 200 suggested by the recommended information as described above, after a very short time has elapsed since the most recent transaction that resulted in the point acquisition (example: 10 minutes) There may be a case where a counter-transaction is executed at the corresponding ATM 200 later). This is synonymous with the act of acquiring only the points without changing the cash on hand as the user sequentially repeats the transaction and the opposite transaction.

Therefore, the ATM cash loading management system 100 according to the present embodiment continues to monitor the corresponding ATM 200 after the execution of the above-described step s109 (s110), and within a predetermined reference period from the execution of the corresponding transaction detected in step 108. When it is detected that the counter transaction by the corresponding user at the corresponding ATM 200 has been executed (s111: y), the number of points added in step s109 is subtracted from the acquisition point column, and the point addition itself in step s109 is canceled (s112). ). Therefore, even if the transaction and the opposite transaction are repeated in the ATM 200, the user is controlled so that points are not given.

On the other hand, if the counter transaction by the corresponding user at the corresponding ATM 200 is not executed within the predetermined reference period from the execution of the corresponding transaction detected at step 108 (s111: n), the ATM cash loading management system 100 executes the flow. The process ends and waits until a schedule notification is newly received from a certain user terminal 300.

In addition, about the ATM group made into the application object of the ATM cash loading management method in this embodiment, it verifies about the cost of cash loading management which was able to be reduced by the action of the above-mentioned each user's deposit and withdrawal, and according to the verification result The number of points described above may be determined. In this case, the points given at the time of reception of the above-mentioned reservation notification are provisional incentive information that means a high degree of contribution to cost reduction. Therefore, the ATM cash loading management system 100 determines the work cost generated when the financial institution requested a cash loading operation from a security company or the like for a predetermined period in which the ATM cash loading management method of the present embodiment is applied. And compare this with the average cost of cash loading work for the same period in the past (not applying the ATM cash loading management method), and calculate the difference. Moreover, the ATM cash loading management system 100 totals the number of points of all users who have obtained points using the corresponding ATM group, and divides the above difference by this total value to calculate the value per unit point. The ATM cash loading management system 100 multiplies this value by the number of points of each user, and calculates and determines the true number of points according to the degree of contribution. In this way, if incentives are distributed according to the actual economic effect obtained, it is possible to effectively avoid a situation such as deterioration in cost performance due to pointless issuance in an organization that issues points, such as a financial institution.
--- Examples of other processing procedures ---

In the above-described example, an ATM that is within a predetermined distance from the current location of the user and that is scheduled to acquire points is specified, and this information is included in the recommended information and presented to the user side. On the other hand, it is also possible for the ATM cash loading management system 100 to identify the point with the highest scheduled acquisition point from among the plurality of candidate ATMs, and to present this information to the user side including the recommended information. Here, for simplicity of explanation, an example in which only the cash balance of ATM is considered will be described.

In this case, as shown in the flow of FIG. 20, the ATM cash loading management system 100 that has received the schedule notification from the user terminal 300 sets the information on the current user location included in the schedule notification in the ATM management table 125. Collate with location information, specify ATMs within a predetermined distance from the user's current location, and further calculate points obtained when the transaction indicated by the corresponding schedule notification is performed at the ATM specified here (S170). The point calculation method is as described above.

The ATM cash loading management system 100 that has calculated the points for each ATM within a predetermined distance from the user's current location identifies the ATM with the highest point among the ATMs (s171). Also, the ATM cash loading management system 100 includes the information of the corresponding ATM specified in step s171 in the recommended information described above, and transmits it to the user terminal 300 (s172), and the flow ends. After the end of this flow, the process transitions to step s103 in the flow of FIG.

Note that the user terminal 300 that has received the above recommended information from the ATM cash loading management system 100 displays it on the display 306, receives information related to the reservation instruction from the user, and returns it to the ATM cash loading management system 100. .

Screens

1800 and 1900 on which the user terminal 300 displays recommended information on the display 306 are shown in FIG. 21 (in the case of a withdrawal transaction) and FIG. 22 (in the case of a deposit transaction). As indicated by the recommended

ATM information

1801 and 1901 on the

screens

1800 and 1900 in FIGS. 21 and 22, only one ATM having the highest scheduled acquisition point is recommended.

In this way, the point with the highest point to be acquired among the nearest ATMs, in other words, the ATM whose cash holding status is farthest from the predetermined standard is presented to the user, and the cash holding at the corresponding ATM is presented. You may try to improve the situation quickly.

The best mode for carrying out the present invention has been specifically described above. However, the present invention is not limited to this, and various modifications can be made without departing from the scope of the present invention.

According to the present embodiment, for example, the user is prompted by an incentive such as a point grant for a deposit transaction to an ATM having a cash holding amount lower than that of another ATM or a withdrawal transaction from an ATM having a cash holding amount higher than that of another ATM. As a result, it becomes easy to maintain the cash holding amount in each ATM at a predetermined standard, and it is possible to reduce the frequency of cash loading work by a conventional security company. That is, it is possible to reduce the cost associated with the cash loading operation to the ATM.

記載 At least the following will be made clear by the description in this specification. That is, in the ATM cash loading management system of the present embodiment, the storage device stores information on the amount of cash held for each cash type in each of the plurality of ATMs in the ATM management table. When sending the recommended information, the transaction indicated by the schedule notification is executed, and the ATM in which the holding amount of the predetermined type of cash changes toward the predetermined standard is specified in the ATM management table, The information recommending the transaction with the specified ATM may be transmitted to the user terminal.

According to this, each bank's possession of each banknote in an applicable ATM is induced by guiding each user to perform a scheduled transaction using the banknote with respect to an ATM whose number of banknotes is insufficient or excessive. It becomes easy to shift the number of sheets to an appropriate state.

In addition, when the recommended information is transmitted, the arithmetic device according to the present embodiment provides incentive information scheduled to be provided to the user when the transaction indicated by the schedule notification is executed for the specified ATM. It is good also as what is transmitted to the said user terminal.

According to this, the user clearly recognizes the incentive that can be obtained by executing the transaction, and invites the user to surely execute the transaction. Therefore, deposit transactions to ATMs with lower cash holdings than other ATMs, or withdrawal transactions from ATMs with higher cash holdings than other ATMs are likely to occur, which in turn reduces costs associated with cash loading operations into ATMs. Efficiently realized.

Also, in the ATM cash loading management system of the present embodiment, the computing device, when transmitting the recommended information, information on incentives that increase according to the degree of deviation between the specified ATM cash holding amount and the predetermined standard May be included in the recommended information as incentive information scheduled to be provided to the user when the transaction indicated by the schedule notification is executed, and transmitted to the user terminal.

According to this, the user clearly recognizes the incentive that can be acquired by executing the transaction and its size, and further induces the certain execution of the transaction by the corresponding user. Therefore, it becomes easier to generate deposit transactions from ATMs with lower cash holdings than other ATMs, or withdrawal transactions from ATMs with higher cash holdings than other ATMs, which in turn reduces the costs associated with cash loading operations into ATMs. Is realized more efficiently.

Also, in the ATM cash loading management system of the present embodiment, the computing device, when transmitting the recommended information, information on incentives that increase according to the degree of deviation between the specified ATM cash holding amount and the predetermined standard When the transaction indicated by the schedule notification is executed at each of the specified ATMs, the information is included in the recommended information as information of each incentive scheduled to be provided to the user, and is transmitted to the user terminal. Good.

According to this, the user will clearly recognize the incentive and its size that can be acquired by executing the transaction for each ATM, and it will be easier to recognize the ATM that will increase the willingness of the transaction among the plurality of ATMs. This will further incentivize the reliable execution of the transaction. Therefore, it becomes easier to generate deposit transactions from ATMs with lower cash holdings than other ATMs, or withdrawal transactions from ATMs with higher cash holdings than other ATMs, which in turn reduces the costs associated with cash loading operations into ATMs. Is realized more efficiently.

Moreover, in the ATM cash loading management system of the present embodiment, the storage device stores cash holding amount information and location information in each of the plurality of ATMs in the ATM management table. The ATM transaction schedule notification by the user and the current location information of the corresponding user are received from the user terminal, and among the ATMs within a predetermined distance from the current location of the corresponding user, the transaction indicated by the schedule notification is executed, so that the cash holding amount is predetermined. Incentives that increase in accordance with the degree of divergence between the cash holding amount of the specified ATM and the predetermined standard when the ATM management table specifies the ATM that will change toward the standard, and when the recommended information is transmitted If the transaction indicated by the schedule notification is executed at each ATM, each information Is generated as information on the tive, and map data indicating the location of each identified ATM and the current location of the corresponding user is generated, and the information on each of the generated incentives and the map data is included in the recommended information. It is good also as what is transmitted to a user terminal.

According to this, the user will clearly recognize the incentive that can be obtained by executing the transaction and its size for each ATM within a certain range from the user's current location, and the user can easily move and have a willingness to trade. It becomes easy to recognize the increasing ATM from a plurality of ATMs, and further induces the reliable execution of the transaction. Therefore, it becomes easier to generate deposit transactions from ATMs with lower cash holdings than other ATMs, or withdrawal transactions from ATMs with higher cash holdings than other ATMs, which in turn reduces the costs associated with cash loading operations into ATMs. Is realized more efficiently.

Moreover, in the ATM cash loading management system of the present embodiment, when the recommended information is transmitted, the arithmetic device provides an incentive to be provided to the user when the transaction indicated by the schedule notification is executed for the specified ATM. Information is included in the recommended information and transmitted to the user terminal, and after the transmission, when a reservation notification regarding the transaction at the corresponding ATM is received from the user terminal, within a predetermined time from reception of the reservation notification , Monitoring the corresponding ATM whether or not the transaction by the corresponding user at the corresponding ATM has been executed, and storing the incentive grant information for the corresponding user in a storage device when the transaction is executed within the predetermined time. Further, it may be executed.

According to this, a situation in which an incentive is given meaninglessly to a user who had planned to conduct an ATM transaction but did not actually execute the transaction was avoided. The user clearly recognizes that the execution is necessary, and invites the reliable execution of the transaction by the user. Therefore, deposit transactions to ATMs with lower cash holdings than other ATMs, or withdrawal transactions from ATMs with higher cash holdings than other ATMs are likely to occur, which in turn reduces costs associated with cash loading operations into ATMs. It is realized more efficiently.

Moreover, in the ATM cash loading management system of the present embodiment, when the recommended information is transmitted, the arithmetic device provides an incentive to be provided to the user when the transaction indicated by the schedule notification is executed for the specified ATM. Information is included in the recommended information and transmitted to the user terminal, and after the transmission, when a reservation notification regarding the transaction at the corresponding ATM is received from the user terminal, within a predetermined time from reception of the reservation notification The corresponding ATM at the corresponding ATM is monitored whether the transaction is executed, and when the transaction is executed within the predetermined time, the incentive grant information for the corresponding user is stored in a storage device, After execution of the transaction within a predetermined time, within a predetermined reference period, the transaction by the corresponding user at the corresponding ATM The corresponding ATM is monitored to determine whether a paired transaction has been executed, and when the opposite transaction is executed within the reference period, a process of canceling storage of the incentive grant information performed for the user is further executed. There may be.

According to this, although a transaction at an ATM is actually executed, an opposite transaction is executed within a short period of time, and a user's action to obtain only an incentive without contributing to cash loading management at the corresponding ATM Can be eliminated. Eventually, in order to acquire incentives, the user clearly recognizes that it is necessary to execute a transaction that contributes to the cash loading management at the ATM, which further induces the reliable execution of the transaction by the user. Therefore, deposit transactions to ATMs with lower cash holdings than other ATMs, or withdrawal transactions from ATMs with higher cash holdings than other ATMs are likely to occur, which in turn reduces costs associated with cash loading operations into ATMs. It is realized more efficiently.

In the ATM cash loading management system according to the present embodiment, the arithmetic device determines whether the cash holding amount satisfies the predetermined standard by executing a transaction indicated by the schedule notification for the specified ATM. If, as a result of the determination, it is found that the execution of the transaction will satisfy the predetermined standard, it will be excluded from the recommended object until the cash holding amount of the corresponding ATM does not meet the predetermined standard The process may be further executed.

According to this, only ATMs whose cash holding amount does not satisfy the predetermined standard are targeted for cash loading management, and the overall processing is improved, and the number of candidates is appropriately narrowed down and notification of recommended ATMs that are easy to recognize Will be made to the user, further inviting the reliable execution of the transaction by the user. Therefore, deposit transactions to ATMs with lower cash holdings than other ATMs, or withdrawal transactions from ATMs with higher cash holdings than other ATMs are likely to occur, which in turn reduces costs associated with cash loading operations into ATMs. Efficiently realized.

Moreover, in the ATM cash loading management method of this embodiment, the computer system stores information on the amount of cash held for each cash type in each ATM in the ATM management table of the storage device, and the recommended When the information is transmitted, the transaction indicated by the schedule notification is executed, and the ATM whose predetermined type of cash holding amount changes toward the predetermined standard is specified in the ATM management table, and the specified Information recommending ATM transactions may be transmitted to the user terminal.

Further, in the ATM cash loading management method of the present embodiment, when the computer system executes the transaction indicated by the schedule notification for the specified ATM when transmitting the recommended information, an incentive to be provided to the user is provided. Information may be included in the recommended information and transmitted to the user terminal.

In addition, in the ATM cash loading management method of the present embodiment, when the computer system transmits the recommended information, incentive information that increases in accordance with the degree of divergence between the specified ATM cash holding amount and the predetermined standard. May be included in the recommended information as incentive information scheduled to be provided to the user when the transaction indicated by the schedule notification is executed, and transmitted to the user terminal.

In addition, in the ATM cash loading management method of the present embodiment, when the computer system transmits the recommended information, incentive information that increases in accordance with the degree of divergence between the specified ATM cash holding amount and the predetermined standard. May be included in the recommended information and transmitted to the user terminal as information on each incentive scheduled to be provided to the user when the transaction indicated by the schedule notification is executed at each of the specified ATMs.

Further, in the ATM cash loading management method of the present embodiment, the computer system stores cash holding amount information and location information in each of the plurality of ATMs in the ATM management table, and allows ATM transactions by a predetermined user to be executed. Receives the schedule notification and the current location information of the corresponding user from the user terminal, and among the ATMs within a predetermined distance from the current location of the corresponding user, the transaction indicated by the schedule notification is executed to change the cash holding amount toward the predetermined standard In the ATM management table, the ATM management table is specified, and when the recommended information is transmitted, the incentive information that increases according to the degree of deviation between the specified ATM cash holding amount and the predetermined standard, Each incentive scheduled to be provided to the user when the transaction indicated by the schedule notification is executed at each ATM. Generated as information, generates map data indicating the location of each identified ATM and the current location of the corresponding user, and includes the generated incentive information and the map data in the recommended information and the user terminal May be sent to.

Further, in the ATM cash loading management method of the present embodiment, when the computer system executes the transaction indicated by the schedule notification for the specified ATM when transmitting the recommended information, an incentive to be provided to the user is provided. Information is included in the recommended information and transmitted to the user terminal, and after the transmission, when a reservation notification regarding the transaction at the corresponding ATM is received from the user terminal, within a predetermined time from reception of the reservation notification , Monitoring the corresponding ATM whether or not the transaction by the corresponding user at the corresponding ATM has been executed, and storing the incentive grant information for the corresponding user in a storage device when the transaction is executed within the predetermined time. Further, it may be executed.

Further, in the ATM cash loading management method of the present embodiment, when the computer system executes the transaction indicated by the schedule notification for the specified ATM when transmitting the recommended information, an incentive to be provided to the user is provided. Information is included in the recommended information and transmitted to the user terminal, and after the transmission, when a reservation notification regarding the transaction at the corresponding ATM is received from the user terminal, within a predetermined time from reception of the reservation notification The corresponding ATM at the corresponding ATM is monitored whether the transaction is executed, and when the transaction is executed within the predetermined time, the incentive grant information for the corresponding user is stored in a storage device, After execution of the transaction within a predetermined time, within a predetermined reference period, by the corresponding user at the corresponding ATM If the transaction opposite to the transaction is executed, the corresponding ATM is monitored, and when the opposite transaction is executed within the reference period, a process of canceling the storage of the grant information of the incentive performed for the user is further executed. It is good also as.

Further, in the ATM cash loading management method according to the present embodiment, the computer system determines whether the cash holding amount satisfies the predetermined standard by executing the transaction indicated by the schedule notification for the specified ATM. If, as a result of the determination, it is found that the execution of the transaction will satisfy the predetermined standard, it will be excluded from the recommended object until the cash holding amount of the corresponding ATM does not meet the predetermined standard The process may be further executed.

20, 30 Network 100 ATM cash loading management system 101 Storage device 102 Program 103 Memory 104 Computing device 105 Communication device 110 Data 125 ATM management table 126 Transaction amount threshold table 127 Bill number threshold table 128 Reservation table 129 User management table 200 ATM
201 storage device 202 program 203 memory 204 arithmetic device 205 input device 206 output device 207 communication device 210 data 220 cash storage 230 cash transport mechanism 240 cash slot 250 computer 300 user terminal 301 storage device 302 program 303 memory 304 arithmetic device 305 input Device 306 Output device 307 Communication device 308 GPS unit 310 Data

Claims

A storage device for storing an ATM management table storing information on the amount of cash held in each of the plurality of ATMs;
The ATM management table specifies an ATM whose cash holding amount changes toward a predetermined standard by receiving a schedule notification of an ATM transaction by a predetermined user from a user terminal and executing the transaction indicated by the schedule notification. A computing device that transmits information recommending a transaction at the specified ATM to the user terminal;
ATM cash loading management system.
The storage device
In the said ATM management table, the information of the cash holding amount for every cash kind in each of a plurality of ATMs is stored,
The arithmetic unit is:
When transmitting the recommended information, the ATM indicated in the ATM management table specifies the ATM whose holding amount of a predetermined type of cash will change toward a predetermined standard by executing a transaction indicated by the schedule notification. Information that recommends transactions with the specified ATM is transmitted to the user terminal.
The ATM cash loading management system according to claim 1.
The arithmetic unit is:
In transmitting the recommended information, when the transaction indicated by the schedule notification is executed for the specified ATM, the recommended information is included in the recommended information and transmitted to the user terminal. Is,
The ATM cash loading management system according to claim 1.
The arithmetic unit is:
Incentive information that increases according to the degree of divergence between the specified ATM cash holding amount and the predetermined standard upon transmission of the recommended information will be provided to the corresponding user when the transaction indicated by the schedule notification is executed Incentive information is included in the recommended information and transmitted to the user terminal.
The ATM cash loading management system according to claim 1.
The arithmetic unit is:
When sending the recommended information, incentive information that increases in accordance with the degree of divergence between the specified ATM's cash holding amount and the predetermined standard was executed at each specified ATM for the transaction indicated by the schedule notification. In this case, it is included in the recommended information as information of each incentive scheduled to be provided to the user, and transmitted to the user terminal.
The ATM cash loading management system according to claim 1.
The storage device
In the ATM management table, information on the amount of cash held in each of the plurality of ATMs and location information are stored,
The arithmetic unit is:
An ATM transaction schedule notification by a predetermined user and the current location information of the corresponding user are received from the user terminal, and among the ATMs within a predetermined distance from the current location of the corresponding user, the transaction indicated by the schedule notification is executed, so that the cash holding amount is The ATM that will change toward the predetermined standard is specified in the ATM management table,
When the recommended information is transmitted, incentive information that increases according to the degree of deviation between the specified cash holding amount of the ATM and the predetermined standard, and when the transaction indicated by the schedule notification is executed in each of the ATMs Generated as information of each incentive scheduled to be provided to the corresponding user, generated map data indicating the location of each of the identified ATMs and the current location of the corresponding user, the information of each generated incentive and the map data, It is included in the recommended information and sent to the user terminal.
The ATM cash loading management system according to claim 1.
The arithmetic unit is:
In transmitting the recommended information, when the transaction indicated by the schedule notification is executed for the specified ATM, the incentive information scheduled to be provided to the user is included in the recommended information and transmitted to the user terminal,
After the transmission, when a reservation notification related to the transaction at the predetermined ATM indicated by the recommended information is received from the user terminal, the transaction by the corresponding user at the corresponding ATM is received within a predetermined time from the reception of the reservation notification. Whether or not the corresponding ATM is executed and the transaction is executed within the predetermined time, further executes a process of storing the incentive grant information in the storage device with respect to the user.
The ATM cash loading management system according to claim 1.
The arithmetic unit is:
In transmitting the recommended information, when the transaction indicated by the schedule notification is executed for the specified ATM, the incentive information scheduled to be provided to the user is included in the recommended information and transmitted to the user terminal,
After the transmission, when a reservation notification related to the transaction at the predetermined ATM indicated by the recommended information is received from the user terminal, the transaction by the corresponding user at the corresponding ATM is received within a predetermined time from the reception of the reservation notification. When the transaction is executed within the predetermined time, the incentive grant information regarding the user is stored in a storage device.
After execution of the transaction within the predetermined time, the corresponding ATM at the corresponding ATM is monitored whether the transaction opposite to the transaction by the corresponding user has been executed within the predetermined period of time. When a transaction is executed, a process of canceling storage of the incentive grant information performed for the corresponding user is further executed.
The ATM cash loading management system according to claim 1.
The arithmetic unit is:
For the specified ATM, it is determined whether the cash holding amount satisfies the predetermined standard by executing the transaction indicated by the schedule notification, and as a result of the determination, the predetermined standard is satisfied by execution of the transaction. If it turns out that the cash holding amount of the corresponding ATM does not meet the predetermined standard, the process of further excluding from the target of the recommendation,
The ATM cash loading management system according to claim 1.
A computer system having a storage device for storing an ATM management table storing information on the amount of cash held in each of a plurality of ATMs,
The ATM management table specifies an ATM whose cash holding amount changes toward a predetermined standard by receiving a schedule notification of an ATM transaction by a predetermined user from a user terminal and executing the transaction indicated by the schedule notification. , Sending information recommending the transaction at the specified ATM to the user terminal,
An ATM cash loading management method characterized by the above.
The computer system is
In the ATM management table of the storage device, information on the amount of cash held for each cash type in each of a plurality of ATMs is stored,
When transmitting the recommended information, the ATM indicated in the ATM management table specifies the ATM whose holding amount of a predetermined type of cash will change toward a predetermined standard by executing a transaction indicated by the schedule notification. Sending information recommending a transaction at the specified ATM to the user terminal;
The ATM cash loading management system according to claim 10.
The computer system is
In transmitting the recommended information, when the transaction indicated by the schedule notification is executed for the specified ATM, the recommended information is included in the recommended information and transmitted to the user terminal.
The ATM cash loading management method according to claim 10.
The computer system is
Incentive information that increases according to the degree of divergence between the specified ATM cash holding amount and the predetermined standard upon transmission of the recommended information will be provided to the corresponding user when the transaction indicated by the schedule notification is executed Incentive information is included in the recommended information and transmitted to the user terminal.
The ATM cash loading management method according to claim 10.
The computer system is
When sending the recommended information, incentive information that increases in accordance with the degree of divergence between the specified ATM's cash holding amount and the predetermined standard was executed at each specified ATM for the transaction indicated by the schedule notification. In the case of sending to the user terminal included in the recommended information as information of each incentive scheduled to be provided to the user,
The ATM cash loading management method according to claim 10.
The computer system is
In the ATM management table, information on the amount of cash held in each of the plurality of ATMs and location information are stored,
An ATM transaction schedule notification by a predetermined user and the current location information of the corresponding user are received from the user terminal, and among the ATMs within a predetermined distance from the current location of the corresponding user, the transaction indicated by the schedule notification is executed, so that the cash holding amount is The ATM that will change toward the predetermined standard is specified in the ATM management table,
When the recommended information is transmitted, incentive information that increases according to the degree of deviation between the specified cash holding amount of the ATM and the predetermined standard, and when the transaction indicated by the schedule notification is executed in each of the ATMs Generated as information of each incentive scheduled to be provided to the corresponding user, generated map data indicating the location of each of the identified ATMs and the current location of the corresponding user, the information of each generated incentive and the map data, Send to the user terminal in the recommended information,
The ATM cash loading management method according to claim 10.
The computer system is
In transmitting the recommended information, when the transaction indicated by the schedule notification is executed for the specified ATM, the incentive information scheduled to be provided to the user is included in the recommended information and transmitted to the user terminal,
After the transmission, when a reservation notification related to the transaction at the predetermined ATM indicated by the recommended information is received from the user terminal, the transaction by the corresponding user at the corresponding ATM is received within a predetermined time from the reception of the reservation notification. The corresponding ATM is monitored whether it is executed, and when the transaction is executed within the predetermined time, a process of storing the incentive grant information in the storage device with respect to the user is further executed.
The ATM cash loading management method according to claim 10.
The computer system is
In transmitting the recommended information, when the transaction indicated by the schedule notification is executed for the specified ATM, the incentive information scheduled to be provided to the user is included in the recommended information and transmitted to the user terminal,
After the transmission, when a reservation notification related to the transaction at the predetermined ATM indicated by the recommended information is received from the user terminal, the transaction by the corresponding user at the corresponding ATM is received within a predetermined time from the reception of the reservation notification. When the transaction is executed within the predetermined time, the incentive grant information regarding the user is stored in a storage device.
After execution of the transaction within the predetermined time, the corresponding ATM at the corresponding ATM is monitored whether the transaction opposite to the transaction by the corresponding user has been executed within the predetermined period of time. When a transaction is executed, further execute a process of canceling storage of the grant information of the incentive performed with respect to the user.
The ATM cash loading management method according to claim 10.
The computer system is
For the specified ATM, it is determined whether the cash holding amount satisfies the predetermined standard by executing the transaction indicated by the schedule notification, and as a result of the determination, the predetermined standard is satisfied by execution of the transaction. If it is found that the cash holding amount of the corresponding ATM does not meet the predetermined criteria, further execute a process of excluding from the recommendation target,
The ATM cash loading management method according to claim 10.