JP2006018615A - Automatic transaction system and automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide various information about an area outside of an everyday living area when an automatic transaction device in that area is used. <P>SOLUTION: The automatic transaction system comprises automatic transaction devices 1 that enable transactions when operated by users, and a host computer 2 for managing customer information such as the users' account numbers, the automatic transaction devices and the host computer being connected to each other by a dedicated communication line 4. The host computer 2 stores and manages information on the points of installation of the automatic transaction devices 1, and stores this information in association with the customer information when a transaction is made. The customer information is inputted from the automatic transaction device 1, and when the customer information is transmitted to the host computer 2, the host computer 2 searches for the information on the point of installation of the automatic transaction device 1 associated with the customer information. If the information on the point of installation does not match, the area information about the point of installation of the automatic transaction device 1 can be provided. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an automatic transaction system and an automatic transaction apparatus that can provide regional information using ATMs of financial institutions.

  Some automatic transaction apparatuses (ATMs) such as branches of financial institutions provide regional information including facilities, shops, and private home information existing in the region (for example, Patent Document 1). This is an automatic transaction apparatus having an information input means and an output means, and having an area information provision service control unit for providing area information in an automatic transaction apparatus for performing cash transactions, and outputting area information designated by the input means Is provided by.

In addition, local residents or visitors can easily obtain detailed information on various facilities and services using automatic ticket machines for transportation and ATMs for financial institutions, as well as application and reservation for use of facilities and services. There is one that can be used easily and safely (for example, Patent Document 2). This is an information server that stores information on facilities or services that can be used in the area, and a display means that is communicatively connected to the information server and displays in a form that allows selection of facilities or services, application for use, or use reservation. A user terminal.
As described above, services that provide information on facilities and services as regional information in addition to the original financial transactions have been started by ATMs of financial institutions, and are gaining an advantage in the financial institution industry. In addition, an environment in which ATMs installed in convenience stores, gas stations, supermarkets, and the like can be easily used is provided on the user side.
JP 10-334166 (paragraph 0008) JP 2002-342658 A (paragraphs 0009 to 0010)

  The area information of the moving destination, such as information on accommodation facilities and leisure facilities, can be easily obtained in advance using the Internet or the like. In addition, when a mobile destination is changed, museums, museums, historical sites, and event information in the vicinity of the destination can be obtained by using a wireless communication network by using a mobile phone or the like. However, if there is a lack of money for admission fees or travel costs for these facilities, it is necessary to prepare funds, and it may be possible to withdraw cash from ATMs of financial institutions. Recently, transactions using electronic information having a monetary value (so-called electronic money) have been started, but in many cases, they have not yet spread to small facilities. Even if it can be used, if there is a shortage of electronic money, it must be charged from the ATM of the financial institution.

  Also, it is likely that ATMs used by individual users are stores near the residence or near the work place. These ATM-installed stores do not always match the address notified to the financial institution when the account is opened. In other words, the stores used change due to moving, expansion or integration of sales offices of financial institutions. Therefore, even if it is said that an ATM installed other than the residence area at the time of opening an account or after notification of moving is used, the provision of information in the area may not be desired (not required). In such a case, even if the provision of regional information is received unilaterally, it may be annoying, and there is also a problem that it is not preferable because it causes excess transaction time. An object of this invention is to provide the automatic transaction system which can provide the information regarding a utilization area timely, without an ATM user being conscious.

  In order to solve the above problems, the present invention provides an automatic transaction system in which an automatic transaction apparatus capable of performing a transaction by a user's operation and a host computer for managing customer information such as a user's account number are connected by a communication line. The host computer stores and manages the information on the location of the automatic transaction apparatus. When a transaction is performed, it is stored in association with the customer information. The customer information is input from the automatic transaction apparatus, and the customer information is transmitted to the host computer. Then, the host computer searches for the installation base information of the automatic transaction apparatus associated with the customer information, and when the installation base information does not match, the host computer performs operation guidance that can provide regional information regarding the installation base of the automatic transaction apparatus. Do.

  In the present invention, when the automatic transaction apparatus is used in an area where the user goes out of the daily living area, various information relating to the area can be obtained. Therefore, the “unmanned police box” function can be enjoyed. The provision of regional information for financial institutions also has the effect of deepening close contact with the region and contributing to improved reliability.

  Hereinafter, embodiments will be described with reference to the drawings. FIG. 1 is a block diagram of the automatic transaction system of the present invention. In the figure, 1 is an automatic transaction apparatus (hereinafter referred to as ATM), 2 is a host computer managed and maintained by a financial institution, and stores customer information such as user account number, name, and deposit and saving balance information. Storage device 3. Reference numeral 4 denotes a dedicated communication line as a communication line, which is connected to a communication control unit (not shown) of the ATM 1. Although a plurality of ATMs 1 are shown as being overlapped, each is connected to the host computer 2 via a dedicated communication line 4. A plurality of ATMs 1 are installed in sales stores, convenience stores, gas stations, supermarkets and the like in each region. A public communication line 5 is capable of communicating with a personal computer (hereinafter referred to as a PC) 6 as a customer terminal owned by a user and a public institution terminal 7 managed by a tourism association or public facility.

  Next, the information file stored in the storage device 3 will be described with reference to FIGS. FIG. 2 schematically shows an information file in the storage device. The account number information file 31 is the account number of the user and is given when the account is opened. This account number is also recorded as digital data in a cash card or passbook, which will be described later. The personal identification number information file 32 is character information composed of several digits and alphabets for identification of the person declared by the user.

  The current life zone information file 33 indicates the area where the ATM 1 used daily by the user is installed. The identification of this area may be a residence lot number, or the installation location of ATM 1 that is frequently used may be considered as the residence district. It goes without saying that the deposit and saving balance information file 34 is the property information of the user who is deposited in the financial institution with a check having money and monetary value. The transaction history information file 35 records details of past financial transactions, and includes unrecorded data.

  The use area / number-of-times information file 36 stores the number of times of use corresponding to the life area information every time the user uses ATM 1 in the same life area. This regional division is as shown in the conceptual diagram of FIG. It is an area where users live daily, for example, at the municipality level, and in a large city, it is a living area divided at the ward level. In the illustrated example, the living areas B, C, D, and E are adjacent to the living area A301, and the living area F is adjacent to the living area E. The living area is a range of actions for general users to maintain their lives, for example, clothing, food, housing, education, public acts, and minimum human exchange. This living area includes a place of residence and a place of work. Many workers commute to work by using means of transportation from their place of residence, and the living area is not necessarily limited to one place.

  The area information file 37 is area information displayed and provided on a customer operation display section (described later) of the ATM 1. This regional information includes medical institutions (hospitals), public facilities, educational / cultural facilities, welfare facilities, sports facilities, disaster prevention facilities, events, traffic relations, store information, and the like. A provider who provides information in advance in this area information file 37 pre-registers information from the customer terminal 6 or public institution terminal 7 via the public communication line 5. If it supplementarily demonstrates the relationship with the life zone shown in FIG. 4, the some ATM1 is installed in the area of the life zone A301, and the area information to provide is the same in principle.

  The ATM 1 may be directly operated and managed by the host computer 2 as shown in FIG. 1, but in a large financial institution, an ATM controller 8 is arranged for each region to manage the ATM 1 within a predetermined area. Also good. It goes without saying that the area information can also be stored in the ATM controller 8. In the present invention, a plurality of ATMs are considered, that is, the first ATM and the second ATM are arranged, the first ATM is arranged in the daily life area, and the first ATM is arranged in the other life area. Regional information can be obtained when 2 ATMs are used. Recently, a plurality of ATMs are arranged in the daily life area. In this case, if the ATMs in the daily life area are defined as the first group, the second group of ATMs arranged in the other life areas are used. When you do, you can get local information.

  Reference numeral 10 denotes a customer operation display unit, which includes a transaction guidance display for inputting a transaction operation by a user and a touch panel for inputting an operation. Reference numeral 11 denotes a deposit / withdrawal unit, which authenticates and counts bills and coins (hereinafter referred to as money) deposited by the user, transports them, and stores them in a denomination safe deposit box (not shown) or pays the users. The money to be paid is paid out from the safe deposit box. Reference numeral 12 denotes a card processing unit as a customer information recognizing unit, from a customer identification card (hereinafter referred to as a cash card) 12a in which customer information such as a code for each financial institution, a user account number, and a name is stored. It has a function to read out information. The cash card 12a is inserted through the card insertion / return port 12b connected to the front side of the card processing unit 12, and returned when the transaction ends.

  Reference numeral 13 denotes a passbook processing unit as a customer information recognition unit, which performs a printing process on a passbook 13b (not shown) inserted from the passbook insertion / return port 13a. It has page line detection means, page break means and the like. 14 is a statement slip processing unit that prints transaction details and issues a transaction statement slip (receipt) 14a issued to the user in accordance with a procedure to be described later. Reference numeral 15 denotes a control unit that controls each of the above units, and includes a memory unit configured by a RAM, a ROM, a hard desk, or the like in which a control program is stored, and an interface unit that is a connection port with the host computer 2. Yes. In addition, in order to provide the function of ATM1, there are a number of other functions and configurations including a power supply unit that supplies power to each unit, but the description is omitted because it is not related to the present invention.

A processing example in the case of providing regional information at the time of a payment transaction using a cash card will be described with reference to the flowchart of the automatic transaction system of the present invention shown in FIG. 5 and the transaction guidance screen display example shown in FIG.
When the user approaches S1.ATM1, a customer approach detector (not shown) detects this.
S2. The control unit 15 displays a transaction item selection screen on the customer operation display unit 10.
S3. When the user selects “Payment” from the transaction selection screen of the customer operation display unit 10, the touch panel detects the input position, and the control unit 15 puts the deposit / withdrawal unit 11, the card processing unit 12, etc. into the payment transaction mode. Set. On the other hand, “Please insert card” is displayed on the screen of the customer operation display unit 10. Since the cash card 12a is used to know the customer information (for example, account number) of the user, it goes without saying that the customer information may be obtained from biometric authentication. .
S4. The user inserts the cash card 12a through the card insertion / return port 12b.
S5. The cash card 12a is taken up to the card processing unit 12, and the stored customer information (at least the account number) is read.

S6. A medium (cash card 12a or bankbook 13b) may be inserted prior to the transaction selection operation in step S3.
S7. The control unit 15 takes the inserted medium into the processing unit. That is, if the cash card 12a is inserted, the card processing unit 12 is taken in and the stored information is read. If the passbook 13b is inserted, the passbook processing unit 13 is taken in and the stored information is read.
S8. The control unit 15 switches the display so that only allowed transactions can be selected according to the medium type inserted in step S6. For example, if only the bankbook 13b is inserted, the “payment” and “passbook entry” are left as they are, and the “payment” display is deleted (button invalid display may be used). In the description of the present embodiment, the description proceeds with the assumption that the cash card 12a is inserted and “payment” is selected.

S9. The control unit 15 sends the customer (account number) information read from the medium (cash card 12a) and the location information of the ATM 1 (may be a store code set in advance) from the dedicated communication line 4 to the host computer 2. Send. The customer operation display unit 10 then displays "Please enter your password" to prompt the user to enter the password with the number of digits determined.
S10. The host computer 2 searches the account number information file 31 existing in the storage device 3 from the received account number information, and if there is a matching account number, the deposit and saving balance information file 34 related to the account number, The past usage region / frequency information file 36 is also searched.

S11. The usage area of ATM1 in which the store information (for example, the store code) of ATM1 that is going to conduct the transaction this time is classified as the daily life transaction area of the user (corresponding to the account number) in the host computer 2 Check against information. As a result of the collation, the usage area information may not match. In this case, it is determined that the user has gone out to a remote place, that is, has gone out of the daily life area and is operating the ATM 1. If they match, it is determined that the ATM 1 is operated within the normal living area. For example, at the time of living area A301, if it is another living area, it is inconsistent.
S12. If the use area information does not match as a result of the collation, the use area / times information file 36 is searched. If the area information has been used at least once in the past, data collection for displaying the area information is started.

S13. The control unit 15 performs guidance display in step S9, and transmits the personal identification number information input accordingly to the host computer 2. The host computer 2 collates with the personal identification number information file 32 in the storage device 3 and, if they match, returns a transaction permission signal to the ATM 1. In the case of mismatch, when a transaction impossible signal is returned, the control unit 15 displays on the customer operation display unit 10 "The password is different, please enter the password again" and requests re-input. Here, even if re-input is performed a predetermined number of times, a mismatch may occur, but the description is omitted.
S14. Upon receiving the transaction permission signal, the control unit 15 displays a withdrawal amount input screen on the customer operation display unit 10 and prompts the input of the amount. Then, if the input withdrawal amount is within the deposit and saving balance, the transaction is advanced, and the deposit and withdrawal unit 11 is instructed to pay out money.

  S15. The control unit 15 performs a guidance screen display (wait screen) shown in FIG. 6 (a) at the same time as a feeding instruction to the deposit / withdrawal unit 11, and asks whether or not "regional information" needs to be provided. This display screen is displayed for a predetermined time (for example, about 10 seconds) when the deposit / withdrawal unit 11 starts to operate. If the information search key 101 is pressed within this time, a detailed menu display as shown in FIG. 6B is performed. Here, if the next candidate key 103 is pressed, a weather forecast key, a map display key, or the like (not shown) is displayed. If the hospital key 104 is pressed, the medical subject key of the hospital is displayed. When the information unnecessary key 102 is pressed, the information search key 101, the information unnecessary key 102, and the wording "Please press here ... of the local city" are deleted.

S16. When the user presses the information search key 101 to display desired area information, the print key 105 (not shown) is displayed on the screen. When the print key 105 is pressed, the control unit 15 instructs the statement slip processing unit 14 to print the display screen information.
S17. The controller 15 discharges the medium (cash card 12a) inserted in step S4 or S6.
S18. When a medium removal detector (not shown) detects the removal of the medium (cash card 12a), the control unit 15 discharges the transaction statement slip (receipt) 14a. Usually, in the transaction using the cash card 12a, the transaction statement slip 14a is issued as a receipt, but the region information is added to a part of the transaction statement slip 14a to be printed and issued. In the transaction using the passbook 13b, since the passbook is recorded, only the regional information is printed and issued.

S19. When the print unnecessary key 106 (not shown) is selected in step S16, the medium inserted in step S4 or S6 is discharged.
S20. If the usage regions match in step S11 and if there is no usage history in step S12, the entered personal identification number information is transmitted to the host computer 2.
S21. The host computer 2 collates with the personal identification number information file 32 in the storage device 3, and if they match, a withdrawal amount input screen is displayed on the customer operation display unit 10 to prompt the input of the amount. Then, if the input withdrawal amount is within the deposit and saving balance, the transaction is advanced, and the deposit and withdrawal unit 11 is instructed to pay out money.
S22. When the transaction ends, the transaction history is stored in the transaction history information file 35 in the storage device 3.

  In addition, since the method of providing regional information may be a method as disclosed in JP-A-10-334166, description thereof is omitted. In addition, the regional information to be provided has been described as being transmitted from the PC 6 or the like via the public communication line 5, but the information recording medium 6a may be brought into a business store or the like and read and registered. In addition, since local information is provided in units of living spheres, the public facilities and shops on the providing side can also provide detailed information as appropriate, and the response to those information will improve services and increase sales. effective.

  As described above, when the user of the first (or first group) ATM1 goes out of the daily life area, that is, when the second (or second group) ATM is used, various information about the area Can be obtained. For example, when a user living in the living area A goes to the living area G and uses ATM, various information about the living area G can be obtained. Therefore, the “unmanned police box” function can be enjoyed. The financial institution will also provide regional information, which will deepen its close contact with the region and contribute to improved reliability. Since the presence / absence of such regional information is displayed on the “Please wait screen” during transaction processing, the time for this transaction will not be exceeded. In addition, for users who want to print out regional information, it is printed on a part of the transaction statement (receipt) and issued, so there is no need for a separate regional information printing section. There is an effect that it is not an up factor.

FIG. 7 is a flowchart for determining the presence or absence of area information display. The overall flowchart is as described with reference to FIG. 5, and steps S11 to S15 are different.
S31. Similar to step S11 described above, if the use area information does not match, it is determined that the user has gone out to a remote place, that is, has gone out of the daily life area and is operating ATM1.
S32. The host computer 2 searches the use area / count information file 36 and reads the use count information in the living area where the current transaction is executed.

  S33. If the total number of uses is from 0 to 9, the guidance screen display shown in FIG. 6 (a) is performed simultaneously with the money feeding instruction of the deposit / withdrawal unit 11, and the necessity of "regional information" is asked. . This display screen is displayed for a predetermined time (for example, about 10 seconds) when the deposit / withdrawal unit 11 starts to operate. If the information search key 101 is pressed within this time, a detailed menu display as shown in FIG. 6B is performed. Further, when the information unnecessary key 102 is pressed, the information search key 101, the information unnecessary key 102 and the display portion of the text “Please press here ... of the local city” are deleted. If the combined value of the number of uses is 10 times or more, the guidance screen display shown in FIG. 6A is not performed and only “currently communicating with the computer” is displayed. When the area information is provided, the number of times information in the use area / number-of-times information file 36 is incremented by one.

  In this way, the presence / absence of the area information display is automatically determined based on the sum of the number of times of use. For example, the information provision screen is displayed only when it is a transaction in the office (region) or just after moving, and the information provision screen is displayed at the next transaction when the predetermined number of times (in this example, 10 times) is reached. This eliminates the hassle of pressing the information-unnecessary key. In addition, it is also possible not to display the information provision screen when a transaction that does not use regional information other than the number of times of ATM use, that is, a transaction in which an information unnecessary key is pressed is continuously performed a predetermined number of times. it can.

  The above embodiments provide regional information during financial transactions. However, an information search key can be displayed on the initial screen in order to provide services as an “unmanned police box (machine)” that is closely related to the area, and also as a “city information station”. That is, the information search key can be displayed when the user approaches the ATM 1. Subsequently, as shown in FIG. 8 (a), the 119 (emergency) key 107, the hospital medical subject key 108, and the like can be displayed to quickly provide such information. If you do not insert the cash card 12a and do personal authentication with your PIN, you will be in trouble if you are tampered with. If it is made available, tampering can be suppressed.

  Moreover, since a use area can be specified, it can also be guessed that the living area was changed. When ATM1 is continuously used in a different area of life, as shown in FIG. 8 (b), guidance such as changing the address is displayed, and when various notification keys 109 are pressed, an operation such as a notification of change of residence is performed. It is also possible to proceed with services that enable Furthermore, the living sphere is not limited to the country, but can be considered similarly in other countries and specific regions. In this way, including overseas countries, it is possible to obtain local information when traveling abroad, which is convenient.

It is a block diagram of the automatic transaction system of this invention. It is a conceptual diagram of the information file in the automatic transaction system of this invention. It is a conceptual diagram explaining the life zone of the automatic transaction system of this invention. It is explanatory drawing which shows the relationship between the life zone of this invention, and ATM. It is a flowchart of Example 1 of this invention. It is explanatory drawing which shows the example of a transaction guidance screen display of the automatic transaction system of this invention. It is a flowchart which judges the display presence or absence of the area information of Example 2 of this invention. It is explanatory drawing which shows the example of an application screen display of the automatic transaction system of this invention.

Explanation of symbols

1 Automatic transaction equipment (ATM)
2 Host computer 3 Storage device 6 Customer terminal (personal computer: PC)
7 Public institution terminal 10 Customer operation display unit 11 Deposit / withdrawal unit 12 Customer information recognition unit (card processing unit)
12a Customer identification card (cash card)
13 Customer Information Recognition Department (Passbook Processing Department)
13b Passbook 14 statement slip processing unit 14a Transaction statement slip (receipt)
15 Control unit

Claims (7)

In an automatic transaction system in which an automatic transaction apparatus capable of transaction by user operation and a host computer that manages customer information such as a user account number are connected by a communication line,
The host computer stores and manages installation base information of the automatic transaction apparatus, and stores in association with the customer information when a transaction is performed,
When customer information is input from the automatic transaction apparatus and the customer information is transmitted to the host computer,
The host computer searches the installation base information of the automatic transaction apparatus associated with the customer information, and when the installation base information does not match, the host computer provides an operation guide capable of providing regional information regarding the installation base of the automatic transaction apparatus. An automated trading system characterized by performing. In the automatic transaction system according to claim 1,
An automatic transaction system that sums up the number of transactions for which regional information relating to the installation site of the automatic transaction apparatus is not provided and stops providing regional information relating to the installation base of the automatic transaction apparatus when the combined value reaches a predetermined value. In the automatic transaction system according to claim 1,
The automatic transaction apparatus is divided into at least a first group, a second group, a first group, and a second group, and the classification is an automatic transaction system in which a user's living sphere unit is used. In the automatic transaction system according to claim 3,
The automatic transaction system in which the area information that can be provided is set for each living area. A customer operation display unit for displaying a transaction guide screen;
A customer information recognition unit that recognizes customer information for identifying users,
From the customer information recognized by the customer information recognition unit, when the usage history in the device is within a certain number of transactions, a control unit capable of displaying regional information on the installation base of the device is displayed on the customer operation display unit. An automatic transaction apparatus comprising: The automatic transaction apparatus according to claim 5,
The customer transaction for providing the regional information is an automatic transaction apparatus that performs the transaction process on the apparatus side. The automatic transaction apparatus according to claim 5,
Establish a transaction statement processing section that issues a statement that prints transaction results,
An automatic transaction apparatus that prints and issues the regional information to be provided in addition to the transaction result.

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