JP2005339073A - Automatic transaction apparatus and automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus and an automatic transaction system in which a holder of a portable terminal can use information from a financial institution at low cost efficiently and safely.
An information request signal receiving means 11 receives an information request signal from a portable terminal 20, and an information providing means 12 downloads information on a network, and the downloaded information is transmitted to the portable terminal that has transmitted the information request signal. It transmits to the terminal 20. Thereby, when receiving information provided from a financial institution's Web site or the like, the call charge borne by the owner of the portable terminal is reduced. Further, the parallel processing control means 14 performs transaction processing by the user in parallel even during downloading of information. The information providing unit 12 downloads information via the host computer 30 connected by a dedicated line.
[Selection] Figure 1

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system, and more particularly to an automatic transaction apparatus and an automatic transaction system that execute predetermined transaction processing with a user in response to an operation input by the user.

  In financial institutions such as banks, post offices, and securities companies, automatic transaction apparatuses (hereinafter referred to as ATMs) that handle cash or financial documents such as securities are installed. In such ATMs, it is required to provide new services to customers using transaction time, and ATMs having various functions have appeared (for example, see Patent Document 1).

On the other hand, in recent years, it has become possible to conduct financial transactions using mobile terminals such as mobile phones and PDAs (Personal Data Assistance). When a financial transaction is performed by a mobile terminal, a Web site of a financial institution is referred to by connecting to the Internet using a browser function of the mobile terminal, and various types of information are downloaded from the Web site.
Japanese Patent Laid-Open No. 11-53611

However, conventionally, when information is transmitted / received to / from a financial institution using a mobile terminal, there has been a problem that a call charge using a browser becomes high.
In addition, when a mobile terminal is used, there is a problem that it is not suitable for transmission / reception of large-capacity content due to a line infrastructure or the like.

Furthermore, there is a security problem because a public line such as a telephone line is used.
The present invention has been made in view of these points, and provides an automatic transaction apparatus and an automatic transaction system in which a portable terminal holder can efficiently and safely use information from a financial institution or the like. With the goal.

  In the present invention, in order to solve the above problem, in an automatic transaction apparatus that executes predetermined transaction processing with a user in response to an operation input by the user, as shown in FIG. The information request signal receiving means 11 for receiving the information, the information providing means 12 for downloading the information on the network (the Internet 32 in FIG. 1), and transmitting the downloaded information to the portable terminal 20 that has transmitted the information request signal; , An automatic transaction apparatus 10 is provided.

  According to the above configuration, the information request signal receiving unit 11 receives the information request signal from the portable terminal 20, and the information providing unit 12 downloads the information on the network, and the downloaded information is sent to the information request signal. It transmits to the transmitted portable terminal 20. Thereby, when receiving information provided from a financial institution's Web site or the like, the call charge borne by the owner of the portable terminal is reduced.

  Moreover, in this invention, the automatic transaction apparatus 10 which has the parallel processing control means 14 which performs downloading of information and transaction processing in parallel is provided. Thereby, even during downloading of information, transaction processing by the user is performed in parallel.

  Moreover, in this invention, the information providing means 12 downloads information via the host computer 30 connected with the exclusive line, The automatic transaction apparatus 10 characterized by the above-mentioned is provided. Since a dedicated line is used, information security is increased.

  When the ATM of the present invention receives an information request signal from a mobile terminal, it downloads information on the network and transmits the downloaded information to the mobile terminal 20 that transmitted the information request signal. When receiving the information provided from the mobile phone, it is possible to reduce the call charge incurred by the owner of the portable terminal.

  Moreover, since information download and transaction processing are performed in parallel, transaction processing by the user can be performed in parallel even during information download, and efficient processing can be performed, and ATM queues can be eliminated. it can.

  In addition, since the ATM of the present invention downloads information via a host computer connected to the ATM via a dedicated line, the security of the information can be improved.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a functional block diagram showing functions of the ATM according to the embodiment of the present invention.
The ATM 10 according to the embodiment of the present invention downloads information request signal receiving means 11 that receives an information request signal from the mobile terminal 20 and information on the Internet 32 (hereinafter also referred to as content), and downloads the downloaded content. , Information providing means 12 that transmits the information request signal to the mobile terminal 20, customer transaction processing means 13 that performs transaction processing with the user, parallel processing control means 14 that performs content download and transaction processing in parallel, Have.

  The information request signal receiving means 11 receives an information request signal, which is a signal for requesting information provision from a financial institution's website or the like, from a portable terminal 20 such as a mobile phone or a PDA, for example, by wireless communication such as infrared or Bluetooth. Receive.

  The information providing unit 12 downloads content from the Internet 32 and provides the content to the mobile terminal 20 by wireless communication such as infrared or Bluetooth. The contents to be downloaded include various information on the WEB such as past transaction history with a financial institution, transaction pamphlet, various change notification formats, and information unique to the financial institution. These may be designated by an information request signal from the portable terminal 20, or may be designated by the ATM 10 (described later). The information providing unit 12 downloads content via the host computer 30 connected by a dedicated line.

The customer transaction processing means 13 performs normal transaction processing such as withdrawal, deposit, transfer, balance inquiry, and passbook entry.
The parallel processing control unit 14 controls the content download by the information providing unit 12 to be performed in parallel with the transaction processing in the customer transaction processing unit 13.

  The host computer 30 is connected to, for example, a web server 31. The content to be downloaded is once downloaded to the Web server 31 from the Web site on the Internet 32 where it exists.

The operation of the ATM 10 according to the embodiment of the present invention will be described below.
When the information request signal is received from the portable terminal 20 by the information request signal receiving unit 11, the information providing unit 12 notifies the host computer 30 of information related to the content to be provided to the portable terminal 20. The information is transferred to the WEB server 31. Here, the Web server 31 accesses a Web site where the designated content exists and downloads the content. The content downloaded to the WEB server 31 is transmitted to the ATM 10 via the host computer 30. The information providing unit 12 transmits the received content to the mobile terminal 20 by wireless communication.

  On the other hand, the customer transaction processing unit 13 performs normal transaction processing such as withdrawal, deposit, transfer, balance inquiry, and passbook entry under the control of the parallel processing control unit 14 even during content download.

  As described above, in the ATM 10 according to the embodiment of the present invention, the information request signal of the mobile terminal 20 is received, the content is downloaded and provided to the mobile terminal 20, so the mobile terminal 20 is connected to the Internet 32. There is no call charge for. Moreover, the dedicated line possessed by the ATM 10 can transmit and receive a large amount of content at high speed, and the information security is high.

  In addition, since normal customer transaction processing and content download are performed in parallel, transactions can be performed by the next customer even during downloading, and queues can be eliminated.

Details of the embodiment of the present invention will be described below.
FIG. 2 is a system configuration example using the ATM according to the embodiment of the present invention.
It comprises an ATM 100, a portable terminal 200, a host computer 300, and a Web server 310. In addition, it has an FEP 320 (Front End Processor) that performs communication line input / output processing instead of the host computer 300.

  The ATM 100 is installed in financial institutions such as banks and securities companies, convenience stores, and the like. For simplicity of explanation, only one is shown, but there may be a plurality. The ATM 100 is connected to the host computer 300 via the FEP 320 by a dedicated line. The host computer 300 manages information (password or the like) of customers who use the ATM 100, and performs customer authentication processing and the like. The host computer 300 is connected to the Web server 310. Web server 310 is connected to the Internet 330.

FIG. 3 is a perspective view of the ATM according to the embodiment of the present invention.
The ATM 100 includes a customer operation screen 101 having a touch panel, a cash deposit / withdrawal unit 102 for depositing / withdrawing cash, a passbook accepting unit 103 for accepting a passbook, a card accepting port 104 for accepting a cash card, and a receipt for issuing a receipt. An issue port 105 and a wireless communication unit 106 that performs wireless communication with the portable terminal 200 are provided.

FIG. 4 is a block diagram showing the structure of the ATM.
The ATM 100 includes a main control unit 111, a storage unit 112, an input unit 113, a display unit 114, a deposit / withdrawal processing unit 115, a passbook entry processing unit 116, a card reading unit 117, a receipt issuing unit 118, a leased line communication processing unit 119, A wireless communication processing unit 120.

The main control unit 111 includes a CPU (Central Processing Unit) and the like, and controls each unit of the ATM 100 in accordance with a program stored in the storage unit 112 and various data.
The storage unit 112 stores programs for performing various processes such as various data and deposit / withdrawal transactions.

The input unit 113 is, for example, a touch panel arranged on the customer operation screen 101 in FIG.
The display unit 114 displays transaction details and the like on the customer operation screen 101 in accordance with a drawing command from the main control unit 111.

  The deposit / withdrawal processing unit 115 counts the cash inserted from the cash deposit / withdrawal unit 102 under the control of the main control unit 111 and stores it in a cash storage unit (not shown). Further, the cash is counted and taken out from a cash storage unit (not shown) and discharged to the cash deposit / withdrawal unit 102.

The passbook entry processing unit 116 performs passbook entry processing on the passbook inserted into the passbook accepting unit 103 and sends it out from the passbook accepting unit 103.
The card reading unit 117 reads card information by reading the magnetic stripe of the card inserted from the card receiving port 104.

The receipt issuing unit 118 issues a receipt for transaction confirmation and issues it from the receipt issuing port 105.
The dedicated line communication processing unit 119 is connected to the host computer 300 of the financial institution via the FEP 320 through a dedicated line.

  The wireless communication processing unit 120 receives a wireless signal (for example, infrared ray, Bluetooth signal, etc.) from the portable terminal 200 from the wireless communication unit 106 and transmits information to the portable terminal 200 by a wireless signal.

  The information request signal receiving unit 11 in FIG. 1 is realized by the wireless communication processing unit 120 operating under the control of the main control unit 111. The information providing unit 12 is realized by the input unit 113, the dedicated line communication processing unit 119, the wireless communication processing unit 120, and the like operating under the control of the main control unit 111. The customer transaction processing means 13 includes an input unit 113, a display unit 114, a deposit / withdrawal processing unit 115, a passbook entry processing unit 116, a card reading unit 117, a receipt issuing unit 118, and the like under the control of the main control unit 111. It is realized by operating. The function of the parallel processing control unit 14 is realized by the main control unit 111.

Hereinafter, the processing of the ATM 100 will be described.
For example, when the customer inserts a card from the card receiving port 104, the transaction of the ATM 100 is started. The transaction may be started when the information request signal is transmitted from the customer's mobile terminal 200 to the ATM 100 by wireless communication. When the transaction starts, the display unit 114 displays a list of transaction contents on the customer operation screen 101.

FIG. 5 is an example of a transaction selection screen.
On the transaction selection screen 401 displaying a list of transaction contents, in addition to transactions such as normal withdrawal, deposit, transfer, balance inquiry, passbook entry, etc., for example, a selection item “data transfer to mobile terminal” is displayed. The

The user selects transaction details by touching each item displayed on the transaction selection screen 401.
First, a case where “data transfer to mobile terminal” is selected on the transaction selection screen 401 will be described. At this time, the display unit 114 displays a list of downloadable contents on the customer operation screen 101.

FIG. 6 is a download content selection screen.
On the download content selection screen 402, for example, a list of downloadable contents such as transaction history, change notification form, catalog / pamphlet, which is information unique to financial institutions, is displayed. Here, the user selects content to be downloaded by touching each item displayed on the download content selection screen 402. If “Cancel” is selected, the selection of content is terminated and, for example, the display returns to the transaction selection screen 401 shown in FIG. Here, when “transmission” is selected, downloading of the selected content to the mobile terminal 200 starts. Note that the mobile terminal 200 transmits an information request signal to the ATM 100 in advance by wireless communication before the download is started, so that the content can be received (reception mode).

  When the download is started, information on the selected content is transmitted to the host computer 300, transferred to the Web server 310, and the content selected from the Web site on the Internet 330 is once downloaded to the Web server 310. Then, the content is downloaded to the ATM 100 via the host computer 300 and transmitted to the portable terminal 200 by wireless communication. It should be noted that instead of information on the Internet 330, content in the host computer 300 may be transferred to the ATM 100.

FIG. 7 shows an example of a screen when content is downloaded.
If “interrupt” is selected on the content downloading screen 403, the content download can be interrupted.

When the content download is completed, the portable terminal 200 sends a content reception completion signal to the ATM 100.
FIG. 8 is an example of a content download completion screen.

When receiving the content reception completion signal, the display unit 114 displays such a content download completion screen 404 on the customer operation screen 101.
As described above, in the ATM 100 according to the embodiment of the present invention, the mobile terminal 200 receives the information request signal of the mobile terminal 200, downloads the content selected by the customer, and provides the mobile terminal 200 with the content. There is no call charge when connecting to. In addition, the dedicated line of the ATM 100 enables high-speed and large-volume content transmission / reception and high information security.

  Further, by using the ATM 100 according to the embodiment of the present invention, information such as transaction history can be confirmed from the mobile terminal 200 without using a home PC (personal computer), which is very useful. In addition, when applying for purchase from the downloaded pamphlet information, it may be applied directly from the portable terminal 200 or may be applied via the ATM 100. The same applies to the change application for the change notification form.

  Next, as an example of normal transaction processing on the transaction selection screen 401 as shown in FIG. 5, the processing of the ATM 100 when “Drawer” is selected will be described using a flowchart.

FIG. 9 is a flowchart illustrating a flow of ATM processing according to the embodiment of this invention.
After the card insertion waiting process (step S1), the transaction is started when the card is inserted through the card receiving port 104. First, a card acceptance process (step S2) is performed, and card information is read by the card reading unit 117. Next, a password input process (step S3) is performed, and the customer is allowed to input a password by the input unit 113 such as a touch panel. Next, transaction selection processing (step S4) is performed.

  In the transaction selection process, a transaction selection screen 401 as shown in FIG. 5 is displayed. Here, when “withdrawal” is selected, the amount to be withdrawn is input at the input unit 113 by the amount entry process (step S5).

  Thereafter, the dedicated line communication processing unit 119 transmits information such as card information, personal identification number, transaction contents, and money amount to the host computer 300 through the dedicated line for confirmation (step S6). When the transaction is permitted, the deposit / withdrawal processing unit 115 starts counting the cash discharged to the cash deposit / withdrawal unit 102 (step S7).

  Here, the main control unit 111 of the ATM 100 according to the embodiment of the present invention separates the thread into a process of performing a normal ATM transaction (here, “withdrawal”) and a process of downloading content to the mobile terminal 200. To perform parallel processing. First, processing for downloading content to the mobile terminal 200 will be described.

When the counting process in step S7 is started, the display unit 114 displays content that can be downloaded to the mobile terminal 200 on the customer operation screen 101 (step S8).
FIG. 10 is an example of a download content selection screen.

  For example, during the counting process, a download information selection screen 405 on which a plurality of contents to be downloaded are displayed is displayed on the customer operation screen 101 by the display unit 114. Here, Web content that is not information unique to a financial institution can be selected. As a result, the financial institution can use the posting fee as income, and the retail store can increase the number of customers.

  The main control unit 111 of the ATM 100 determines whether or not download information has been selected by the input unit 113 from the customer (step S9). If any of the download information is selected, the download starts ( Step S10), if not selected, the process is terminated without downloading.

  When the content download starts, the ATM 100 notifies the host computer 300 of the content information selected by the customer via the dedicated line at the dedicated line communication processing unit 119 and transfers it to the WEB server 310. Here, the URL (Uniform Resource Locator) of a site on the Internet 330 where the selected content exists is specified, and the selected content is downloaded from the site. Information downloaded to the WEB server 310 is downloaded to the ATM 100 via the host computer 300. The content downloaded to the ATM 100 is provided to the mobile terminal 200 by the wireless communication processing unit 120.

  The ATM 100 determines whether or not the content reception of the mobile terminal 200 has been completed (step S11), receives the content reception completion signal, ends the processing if the reception is completed, and if not completed Continue to download.

On the other hand, in the “drawing” process of the normal transaction process performed in parallel with the process of steps S8 to S11, it is determined whether or not the counting is completed (step S12).
FIG. 11 is a screen example at the end of the counting process.

  The count processing end notification screen 406 displays that the counting of cash has been completed, and displays that data is being transmitted when the parallel content download processing has not yet been completed. Is done.

When the counting is completed, cash or a card is discharged from the cash deposit / withdrawal unit 102 and the card receiving port 104 (step S13).
FIG. 12 is a confirmation screen for cash withdrawal and card return.

  The confirmation screen 407 displays a confirmation message for taking out the cash and returning the card, and displays that the data is being transmitted if the parallel content download processing has not yet been completed. Is done.

  Finally, the receipt generated by the receipt issuing unit 118 is issued from the receipt issuing port 105, or when a passbook is entered, the transaction history is entered in the passbook by the passbook entry processing unit 116 and the passbook is accepted. It is taken out from the section 103 (step S14).

Note that the transaction history may be transmitted to the mobile terminal 200 instead of the receipt.
In this way, normal customer transaction processing and content download are performed in parallel, so that even when downloading, transactions by the next customer are possible, and it can be expected to eliminate queues and the like.

Next, the operation of the mobile terminal 200 when downloading content will be briefly described.
FIG. 13 is an example of an ATM connection screen.

  When the content is downloaded, an ATM connection screen 408 as shown in FIG. 13 is displayed on the mobile terminal 200. Here, for example, when the fact that ATM connection is to be performed and the call key is pressed, Then, an information request signal is transmitted to enter the reception mode.

FIG. 14 is a screen example of the mobile terminal in the reception mode.
The reception mode screen 409 displays that the reception mode is in progress.
FIG. 15 is an example of a reception completion screen.

  When the download of the content is completed, a reception completion screen 410 as shown in FIG. Here, for example, when a “*” key is pressed, a content reception completion signal is transmitted to the ATM 100.

  As described above, according to the present invention, since the mobile terminal 200 can obtain information using the ATM 100, various information can be serviced without burdening the customer with communication costs. Can be provided. Therefore, it will greatly contribute to improving customer service of financial institutions.

  In the above description, the content is downloaded through the host computer 300. However, when security is not a concern, the ATM 100 directly connects to the Web server 310 to download the content. You may do it.

  In the above description, the content to be downloaded is selected on the ATM 100. However, the ATM 100 downloads the content by transmitting information on the content selected in advance on the mobile terminal 200 to the ATM 100. You may make it provide to the portable terminal 200. FIG.

It is a functional block diagram which shows the function of ATM of embodiment of this invention. It is a system configuration example using ATM of an embodiment of the invention. It is a perspective view of ATM of an embodiment of the invention. It is a block diagram which shows the structure of ATM. It is an example of a transaction selection screen. It is a download content selection screen. It is an example of a screen when content is downloaded. It is an example of a content download completion screen. It is a flowchart explaining the flow of the process of ATM of embodiment of this invention. It is an example of a download content selection screen. It is an example of a screen at the end of the counting process. It is a confirmation screen of cash withdrawal and card return. It is an example of an ATM connection screen. It is an example of the screen of the portable terminal at the time of reception mode. It is an example of a reception completion screen.

Explanation of symbols

10 Automatic transaction equipment (ATM)
DESCRIPTION OF SYMBOLS 11 Information request signal reception means 12 Information provision means 13 Customer transaction processing means 14 Parallel processing control means 20 Mobile terminal 30 Host computer 31 Web server 32 Internet

Claims (5)

In an automatic transaction apparatus that executes predetermined transaction processing with the user in response to an operation input by the user,
An information request signal receiving means for receiving an information request signal from a mobile terminal;
Information providing means for downloading information on a network and transmitting the downloaded information to the mobile terminal that has transmitted the information request signal;
An automatic transaction apparatus comprising: Parallel processing control means for performing the transaction processing in parallel with the download of the information;
The automatic transaction apparatus according to claim 1, further comprising:   2. The automatic transaction apparatus according to claim 1, wherein the information request signal receiving unit or the information providing unit transmits and receives the previous period information request signal or the information by wireless communication with the portable terminal.   2. The automatic transaction apparatus according to claim 1, wherein the information providing means downloads the information via a host computer connected by a dedicated line. In an automatic transaction system that executes predetermined transaction processing with the user in response to an operation input by the user,
A portable terminal that transmits an information request signal;
An automatic transaction apparatus that receives the information request signal, downloads information on a network, and transmits the downloaded information to the mobile terminal that has transmitted the information request signal;
An automatic transaction system characterized by comprising:

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