JP2012038171A - Automatic transaction menu generating device, automatic transaction menu generating system and automatic transaction menu generating program - Google Patents

Abstract

An automatic transaction menu generation apparatus, system, and program for generating a display screen based on a customer operation history are provided.
A server 30 as an automatic transaction menu generating device includes a history information storage unit 32 that stores an operation history of an automatic teller machine 1 by a customer, and an operation history that analyzes an operation history stored in the history information storage unit 32. An analysis unit 33 and a menu generation unit 36 that generates an operation menu for the customer based on the analysis by the operation history analysis unit 33 are provided. Further, the server 30 is connected to the automatic teller machine 1 or the user terminal 40 as a terminal, and generates an operation menu for the customer in response to receiving the customer's operation on the transaction screen from the terminal. The screen is transmitted to the display units 5 and 44 of the terminal, and the customer operation history is stored in the history information storage unit 32.
[Selection] Figure 2

Description

  The present invention relates to an automatic transaction menu generation device, an automatic transaction menu generation system, and an automatic transaction menu generation program that generate a display screen based on an operation history of a customer who operates an automatic transaction apparatus such as an automatic teller machine.

  Conventionally, ATMs (Automated Teller Machines) or composite terminal devices including the functions thereof are installed in banks, postal services, convenience stores, and the like. These devices are provided with a display and operation means such as a touch panel, etc., and ATM users can operate buttons, etc. displayed on the screen to perform balance inquiry, cash withdrawal, account transfer, etc. it can.

  There are various ATM users, but generally, since the operation menu items of ATM are uniform, some users may find it difficult to use. For this reason, ATMs that can display operation menus tailored to users have been developed. For example, Patent Document 1 discloses a computer system and the like that can provide a user with a desired service in a short time, eliminate unnecessary operations, and provide a service individually corresponding to each user. Patent Document 2 displays a cash processing apparatus that can preferentially display operation buttons such as a transaction menu according to the operation frequency in order to save the key input operation until the operator reaches the target menu button. Patent Document 3 discloses a terminal operation system capable of switching the function of a terminal to a state suitable for the user according to different physical abilities for each user. Patent Document 4 discloses an ATM that can customize screen display conditions in order to eliminate the influence of parallax caused by a difference in height.

Japanese Patent Laid-Open No. 2004-287952 JP 2006-92294 A JP 2005-92377 A JP 2002-27489 A

  However, in the above-described cash processing machine or terminal device, the user himself has to perform an operation for setting the display conditions of the menu items, which may be difficult for a user who is not familiar with the operation of the terminal device. In addition, when screen display conditions are stored in a specific terminal device, even if it is convenient for an operator who repeatedly uses the terminal device, an ATM user does not always use the same terminal device. Therefore, there is a problem that the history of operating a terminal device at a certain branch is not reflected on the terminal device at a different bank branch.

  Therefore, the present invention has been made in view of the above problems, and stores the usage history of an ATM user, and automatically configures an ATM operation menu for the user according to the stored usage history. An object of the present invention is to provide an automatic transaction menu generation device, an automatic transaction menu generation system, and an automatic transaction menu generation program that can be used.

  In order to solve the above-mentioned problem, an automatic transaction menu generation device according to a first aspect of the present invention stores a history information storage unit that stores a customer's operation history for an automatic transaction device having a plurality of menu items, and a history information storage unit. An operation history analysis unit that analyzes the operation history, and a menu generation unit that generates an operation menu for the customer from a plurality of menu items based on the analysis by the operation history analysis unit.

  According to the present invention, it is possible to provide an automatic transaction menu generation device that can analyze an operation history of a customer stored in a history information storage unit by an operation history analysis unit and generate an operation menu for the customer. Therefore, a customer who uses the automatic transaction menu generated by the automatic transaction menu generation apparatus according to the present invention can automatically use an operation menu that is easier to use based on his / her operation history.

  In the automatic transaction menu generation device of the above invention, the operation history analysis unit analyzes the frequency of selection by the customer for the plurality of menu items of the automatic transaction device, and the menu generation unit arranges the plurality of menu items based on the frequency. To generate an operation menu. According to the present invention, the operation menu generated by the menu generation unit is arranged from a plurality of menu items based on the customer selection frequency. Therefore, the customer can automatically use the operation menu generated so that the menu item selected more frequently becomes easier to use.

  In the automatic transaction menu generation device of the above invention, the operation history analysis unit analyzes the characteristics of the customer transaction by the automatic transaction device, and the menu generation unit generates an operation menu based on the transaction characteristics. According to the present invention, the operation menu generated by the menu generation unit is generated based on the characteristics of the customer transaction. Therefore, in the automatic transaction menu generating device according to the present invention, even if various customers use the same automatic transaction device, the operation menu is generated based on the characteristics of transactions that differ for each customer. Thereby, the customer can use the automatic transaction apparatus more easily without the trouble of operation.

  In the automatic transaction menu generating apparatus of the above invention, the characteristics of the transaction include the content of the immediately preceding transaction, the transaction amount, the transaction deposit / withdrawal account, the customer account, the settlement date or the settlement time. According to the present invention, the operation menu generated by the menu generation unit includes the contents of the previous transaction by the customer, the transaction amount, the transaction deposit / withdrawal account, the customer account, the settlement date or the settlement time, etc. Generated based on features. Thereby, the customer can save time and effort in these routine operations, and can use the automatic transaction apparatus more easily.

  In the above invention, the automatic transaction menu generation device further includes a menu storage unit that stores the operation menu generated by the menu generation unit, and the menu storage unit displays a display mode of each menu item based on a customer instruction. Remember. According to the present invention, the automatic transaction menu generating device stores each display mode of the generated operation menu on the basis of a customer instruction. The display mode includes display attributes of screen components in the display means provided in a general information processing apparatus, whether or not each operation menu is displayed, display order, arrangement in the screen, display color scheme, character color The size can be included, but is not limited thereto. Therefore, the customer can use a more convenient automatic transaction apparatus by instructing the display mode of the operation menu.

  An automatic transaction menu generation system according to a second aspect of the present invention includes a server and a terminal, and the terminal displays a transaction screen having a plurality of menu items received from the server, a transmission / reception unit that is communicably connected to the server. And an operation unit that accepts an operation on the transaction screen by the customer, the customer operation on the transaction screen accepted by the operation unit is transmitted to the server, the server is connected to the terminal so as to be communicable with the customer, The history information storage unit that stores the operation history for the transaction screen, the operation history analysis unit that analyzes the operation history stored in the history information storage unit, and the operation menu for the customer are generated based on the analysis by the operation history analysis unit An operation history analysis unit stored in the history information storage unit in response to receiving an operation on a transaction screen by a customer from a terminal. Analyzing the customer's operation history, the menu generation unit generates an operation menu for the customer based on the analysis by the operation history analysis unit, and the transmission / reception unit transmits the operation menu generated by the menu generation unit to the terminal as a transaction screen. The history information storage unit stores an operation history for the operation transaction screen of the customer.

  The automatic transaction menu generation system according to the present invention can be configured by communicably connecting a server as an automatic transaction menu generation device and a terminal as an automatic transaction device. According to the present invention, a terminal as an automatic transaction device can be an automatic teller machine installed in a financial institution or the like, or a terminal device such as a personal computer or a mobile phone capable of network communication. The customer can use these terminals as a simpler and more convenient automatic transaction apparatus.

  An automatic transaction menu generation program according to a third aspect of the invention is a history information storage step for storing a customer operation history for an automatic transaction apparatus having a plurality of menu items, and an operation history analysis for analyzing the operation history stored in the history information storage step. And a menu generating step for generating an operation menu for a customer from a plurality of menu items based on the analysis in the operation history analysis step, and a menu display step for displaying the operation menu on the automatic transaction apparatus. To run.

  According to the present invention, it is possible to operate a computer as an automatic transaction menu generation device, analyze an operation history of a customer stored in the history information storage unit by an operation history analysis unit, and generate an operation menu for the customer. An automated trading program can be provided. Therefore, a customer who uses the automatic transaction menu generated by the automatic transaction menu generation program according to the present invention can automatically use an operation menu that is easier to use based on his / her operation history.

  According to the present invention, an automatic transaction menu generating device capable of storing an ATM user's usage history and automatically configuring an ATM operation menu for the user according to the stored usage history, A transaction menu generation system and an automatic transaction menu generation program can be provided.

It is a figure which illustrates the composition of automatic transaction system 50 concerning the embodiment of the present invention. It is a functional block diagram of the apparatus contained in the automatic transaction system 50 which concerns on embodiment of this invention. It is explanatory drawing which shows the operation screen of the automatic teller machine 1 which concerns on embodiment of this invention. It is explanatory drawing which shows the operation screen of the automatic teller machine 1 which concerns on embodiment of this invention. It is explanatory drawing which shows the display setting of the menu item of the automatic teller machine 1 which concerns on embodiment of this invention. It is a figure showing the data structure of history information database 70 memorized by history information storage part 32 of server 30 concerning the embodiment of the present invention. It is a figure which shows the data structure of the menu item display database 71 memorize | stored in the menu memory | storage part 37 of the server 30 which concerns on embodiment of this invention. It is a flowchart which illustrates operation | movement of the automatic teller machine 1 and the server 30 which concern on embodiment of this invention. It is a flowchart which illustrates operation | movement of the automatic teller machine 1 which concerns on embodiment of this invention, and the server 30. FIG. It is a figure which shows an example of the hardware constitutions of the automatic teller machine 1, the server 30, and user terminal 40A, 40B which concern on embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same number is assigned to the same element throughout the description of the embodiment.

  FIG. 1 is a diagram illustrating a configuration of an automatic transaction system 50 according to an embodiment of the present invention. The server 30 as an automatic transaction menu generation device is connected to the automatic teller machine 1 as an automatic transaction device and the user terminal 40 (the personal computer 40A and the mobile phone 40B shown in FIG. 1) via the network 20. . The automatic teller machine 1 has an ATM function installed in a financial institution such as a bank or Japan Post Holdings Co., Ltd. or a store such as a convenience store. The network 20 is preferably a wide area network such as the Internet, but is not limited thereto, and may be a dedicated line of a financial institution or the like. For example, the server 30 and the automatic teller machine 1 may be connected by a dedicated line of a financial institution, and the server 30 and the user terminal 40 may be connected by a wide area network such as the Internet. Preferably, the user terminal 40 is a network terminal device capable of operating a browser, the server 30 is a web server for the user terminal 40, and communication between the user terminal 40 and the server 30 is performed by SSL (Secure Socket Layer). ) Or the like.

  FIG. 2 is a functional block diagram of devices included in the automatic transaction system 50 according to the embodiment of the present invention. As illustrated in FIG. 2, the server 30 includes a server control unit 31, a history information storage unit 32, an operation history analysis unit 33, a storage unit 34, a transmission / reception unit 35, a menu generation unit 36, and a menu storage unit 37. Information stored in the history information storage unit 32 will be described later with reference to FIG.

  The automatic teller machine 1 includes a control unit 2, a storage unit 3, an operation receiving unit 4, a display unit 5, a card handling unit 6, a bankbook handling unit 7, a cash handling unit 8, and a transmission / reception unit 9. The user terminal 40 includes a control unit 41, a storage unit 42, an operation reception unit 43, a display unit 44, and a transmission / reception unit 45. That is, in the automatic transaction system 50 according to the embodiment of the present invention, the user terminal 40 includes components other than the card handling unit 6, the passbook handling unit 7, and the cash handling unit 8 of the automatic teller machine 1. The automatic teller machine 1 and the user terminal 40 operate as a terminal 45 for the server 30.

  Hereinafter, the operation of the terminal 45 will be described as a representative of the automatic teller machine 1, but the user terminal 40 can also operate as the terminal 45 except for depositing cash.

  FIG. 3 is an explanatory diagram showing an operation screen of the automatic teller machine 1 according to the embodiment of the present invention. That is, it is an example of the operation screen of the terminal 45 in the automatic transaction menu generation system 50 of the present invention. This operation screen is constituted by the operation accepting unit 4 using a touch panel or the like provided on the display unit 5 in the automatic teller machine 1, and the operation screen is displayed on the buttons on the screen displayed on the display unit 5. Is touched, the customer's operation on the automatic teller machine 1 is accepted as an input. In the personal computer 40A or the mobile phone 40B, the operation receiving unit 4 is configured by an input device such as a keyboard or keypad and a pointing device such as a mouse, and the display unit 5 is configured by a display device or a display panel. Composed.

  The operation screen shown in FIG. 3A includes buttons 5A to 5B on the screen representing “payout”, “payment”, “transfer”, and “balance check” in a predetermined area of the display unit 5 of the automatic teller machine 1. Includes 5D. Furthermore, the display unit 5 can also include a button 5Y on the screen representing “menu editing”. The button 5Y “menu editing” on the screen will be described later with reference to FIG.

  The automatic teller machine 1 accepts a bankbook or a card in the same manner as a normal ATM and communicates with the server 30 to authenticate a customer. When the button 5A “payout” on the screen is selected by the customer, the display unit 5 is as shown in FIG.

  In FIG.3 (b), the display part 5 contains the display for accepting the input of the transfer amount to the other account from the account of the customer who accepted the passbook or the card. In this example, the display unit 5 includes a button 5E on the screen including a message “pay 19,000 yen”, a display area 5F for displaying the current balance, a display area 5G for inputting the amount, A button 5Z on the screen including a display “RETURN” for returning to the above operation is displayed. That is, immediately after the button 5A “Payout” on the screen is selected by the customer, the button 5E on the screen including the message “Payout of 19,000 yen” is displayed.

  The button 5E on the screen is a menu item generated based on the operation history of the customer by the server 30 connected to the automatic teller machine 1 of the present embodiment. In other words, the server 30 stores in the operation history that the customer has previously repeated the operation of “paid 19,000 yen” a predetermined number of times or more as a feature of the transaction, and based on this operation history storage A button 5E on the screen is displayed on the display unit 5 of the automatic teller machine 1. Since the operation history of the customer is stored in the server 30, even when the customer makes a transaction from another ATM or the user terminal 40, the message on the screen including the message “19,000 yen is paid out” is also used. The button 5E can be displayed on the display unit 5.

  The automatic transaction menu generation system 50 of the present invention also uses the balance of the display area 5F for displaying the current balance from the customer's operation history stored in the server 30 when the customer uses ATM. The inquiry can be displayed together with the display of the button 5E on the screen based on the selection of the button 5D on the screen indicating “balance confirmation” at a frequency equal to or higher than a predetermined frequency. As for the other buttons 5C on the screen representing “transfer”, the operation stored in the operation history as a feature of the transaction can be displayed on the display unit 5 in the same manner as the button 5E on the screen. For example, when the customer selects the button 5C on the screen indicating “transfer”, the server 30 operates “transfer” associated with the customer from the data structure of the history information database 70 described later with reference to FIG. With reference to the history, past transfer destinations can be displayed as a list on the display unit 5 of the automatic teller machine 1. Therefore, the customer can use the automatic teller machine 1 with a simple operation by selecting from the transfer destinations displayed in a list.

  The characteristics of the transaction described above include operations that the customer has repeated a predetermined number of times before, the content of the immediately preceding transaction, the transaction amount, the transaction deposit / withdrawal account, the customer account, the settlement date or settlement time, etc. , Not limited. For example, payments on the 5th, 10th, 15th, 20th, 25th, and the end of the month of each month may be a feature of the customer's transaction based on the business customs regarding the settlement date such as so-called “50 days”. . For example, for a customer who makes a transfer settlement on these dates, the automatic transaction menu generation system 50 accepts a passbook or card and authenticates the customer, and then transfers a predetermined amount to a predetermined transfer destination. May be displayed as the button 5E on the screen of the automatic teller machine 1.

  Further, the display area 5G for inputting the amount of money can be provided as a function for payout in a normal ATM that does not depend on the automatic transaction menu generation system 50 of the present invention. That is, the customer can receive an amount of cash by touching the display area 5G to arbitrarily input an amount.

  In this way, in the automatic transaction menu generation system 50 of the present invention, the customer is displayed on the display unit 5 based on the previous operation history, the operation with a predetermined frequency, or the operation characteristics after the authentication by the passbook or the card. The automatic transaction menu generation system 50 can be used via the terminal 45 of the automatic teller machine 1 or the like using the button 5E on the screen and the like with a small amount of time and effort.

  FIG. 4 is an explanatory diagram showing an operation screen of the automatic teller machine 1 according to the embodiment of the present invention. The operation screen shown in FIG. 4A is similar to the example shown in FIG. 3B. The automatic transaction menu generation system 50 displays the customer's operation history after authentication of the customer using a passbook or a card. Based on the button 5K on the screen indicating "transfer", the display area 5F displaying the current balance, and the button 5L on the screen indicating "credit card transaction" in the predetermined area of the display unit 5 of the automatic teller machine 1 Is displayed. That is, the automatic transaction menu generation system 50 can display the display unit 5 with priority over other transaction operations based on the customer performing these operations at a predetermined frequency or more. The predetermined frequency may be set by the user. In addition, the display mode of the button 5K “transfer” on the screen and the button 5L “credit card transaction” on the screen may be changed according to the number or frequency of transactions corresponding to the buttons on the screen, for example. It is possible to make it stand out by displaying it more widely. Therefore, the buttons on the screen used for a larger number of transactions or the buttons on the screen used more frequently are displayed easier to select than other buttons, and the customer can use the buttons on the screen that are frequently used more easily. And can be easily selected.

  The operation screen shown in FIG. 4B represents the operation screen displayed on the display unit 5 after the customer selects the button 5K on the screen indicating “transfer” from the operation screen of FIG. . In this example, on the display unit 5, a button 5M on the screen including a message “Transfer of 78,000 yen to AAA bank / BBB branch” is prominently arranged near the center of the display unit 5. A display area 5J for displaying the current balance, a button 5N on the screen for inputting another transfer destination, and a button 5Z on the screen including a display “return” for returning to the previous operation are displayed. The automatic transaction menu generation system 50 stores, as an operation history of the customer, that the customer has made a predetermined amount or more of transfer to the transfer destination, and based on this operation history, the button 5M on the screen Can be generated.

  The button 5N on the screen for inputting another transfer destination can be provided as a function for transfer in a normal ATM that does not depend on the automatic transaction menu generation system 50 of the present invention. That is, the customer can arbitrarily input the transfer destination and the transfer amount by touching the button 5N on this screen to perform the transfer operation.

  In this way, in the automatic transaction menu generation system 50 of the present invention, the customer can select the button 5M on the screen displayed on the display unit 5 based on the previous operation history such as a fixed amount transfer after authentication with a passbook or a card. The automatic transaction menu generation system 50 can be used via the terminal 45 of the automatic teller machine 1 or the like easily and with little effort.

  Further, in the automatic transaction menu generation system 50 of the present invention, the buttons on the screen displayed on the display unit 5 are not limited to the examples shown in FIGS. 3 and 4. You may make it include the button etc. which designate not to memorize | store. Thus, the customer can store a history of a typical transaction operation in the automatic transaction menu generation system 50 without leaving a history of an exceptional transaction operation or the like in the automatic transaction menu generation system 50.

  FIG. 5 is an explanatory diagram showing display settings of menu items of the automatic teller machine 1 according to the embodiment of the present invention. The operation screen shown in FIG. 5A is displayed on the display unit 5 when, for example, the customer selects the button 5Y on the screen representing “menu editing” on the display screen shown in FIG. Is displayed.

  In the operation screen illustrated in FIG. 5A, the display unit 5 displays information for setting a display area 5 </ b> P indicating a message “Please specify a menu to be displayed” and a display mode for each menu item of the transaction. A display area 5Q is included.

  In the example of FIG. 5A, the information included in the display area 5Q includes information for switching display / non-display of each menu item of “payout”, “transfer”, “payment”, and “payment of utility charges”. . For example, in the display area Q shown in FIG. 5A, the menu items “payout” and “transfer” show “O”, and the menu items “payment” and “pay utility bill” show “x”. Has been. That is, the menu items “payout” and “transfer” are displayed on the screen, and the menu items “payment” and “payment of utility charges” are not displayed.

  FIG. 5B is an operation screen for confirming the setting status shown in FIG. As an example, a message “Menu screen has the following settings” is displayed in the display area 5P of the display unit 5, and only the menu items indicated by “◯” in FIG. 5A are displayed in the display area 5Q. It is displayed. Further, on the display unit 5, a button 5R on the screen indicating "Approve" and a button 5S on the screen indicating "Cancel" are displayed. When the customer selects the button 5R “Approve” on the screen, the information displayed in the display area 5Q is stored in the menu storage unit 37 of the server 30. Therefore, when the customer uses the terminal 45, the menu items of the transaction displayed on the operation screen are set as “payout” and “transfer”, and other menu items are not displayed, and a simpler and simpler display. It can be. When the customer selects the button 5S “Cancel” on the screen, the information displayed in the display area Q in FIG. 5B is discarded.

  In this way, the automatic transaction menu generation system 50 can store the display mode of the operation menu displayed to the customer based on the customer's instruction using the menu storage unit 37 of the server 30. In the example shown in FIG. 5, as the display mode, the presence / absence of display for each menu item is shown, but the display mode is not limited to this. The display mode includes the display attributes of the screen components in the display means provided in a general information processing apparatus. The display order of each operation menu, the arrangement in the screen, the display color scheme, the character size, etc. Can be included independently or in combination. Therefore, the customer can use the terminal 45 including the automatic teller machine 1 more conveniently by designating the display mode of the operation menu.

  As a further embodiment, information on the display mode of the operation menu stored in the menu storage unit 37 of the server 30 is stored in a storage medium provided in a financial institution card or the like held by the customer via the automatic teller machine 1. May be. When a customer uses this card at a different financial institution or the like, the automatic teller machine 1 installed at the financial institution changes the display mode of the operation menu of the automatic transaction menu generation system 50 according to the present embodiment as a whole. Or partially or partially reflected.

  FIG. 6 is a diagram showing a data structure of the history information database 70 stored in the history information storage unit 32 of the server 30 according to the embodiment of the present invention. The server 30 uses the data structure of the history information database 70 for customer operations in the terminal 45 in the automatic transaction menu generation system 50 in which the server 30 and the terminal 45 (for example, the automatic teller machine 1) are connected to be communicable. Thus, the information stored in the history information database 70 can be searched based on a transmission request from the terminal 45.

  As shown in FIG. 6, in the data structure of the history information database 70 of this embodiment, customer information, account information, menu item operation history, and transaction contents are associated with each transaction identifier. Although FIG. 6 shows a data structure including a history of transaction operations in the automatic teller machine 1, the data structure of the history information database 70 is not limited to the history of transaction operations in the specific cash dispenser 1. It can be used to store and store records of various transactions including operation of the user terminal 40.

  In the history information database 70 illustrated in FIG. 6, the information associated with the transaction identifier “transaction 0500001” and the information associated with the transaction identifier “transaction 0500002” both include the same customer information “customer 00123”. The same account information “account 10456” is included, and the same menu item operation history “payout” is included. Furthermore, it is stored that these transactions have settled the same amount (19,000 yen) on the same day (25th) of different months as the content of the transaction. In this example, the customer whose customer information is “customer 00123” is considered to perform an operation of paying out a fixed amount (19,000 yen) on the 25th of every month. Therefore, the server 30 as an automatic transaction menu generation device uses the operation history analysis unit 33 to pay out a fixed amount (19,000 yen) on the 25th of every month for a specific customer from such transaction information. A typical transaction pattern can be extracted.

  In the history information database 70 illustrated in FIG. 6, there are two pieces of information associated with the transaction identifier “transaction 05020003”, both of which include the same customer information “customer 00465”, addressed to the balance inquiry and to the AAA bank BBB branch It is recorded that a transfer of 78,000 yen was made. There are also two pieces of information associated with the transaction identifier “transaction 05020721”, and similarly, it is stored that the same amount of money has been transferred to the same branch as the balance inquiry. Therefore, the server 30 as the automatic transaction menu generation device uses the operation history analysis unit 33 to make a balance inquiry for another specific customer from such transaction information and then address it to a predetermined account (AAA Bank). It is possible to extract a regular transaction pattern in which a fixed amount (78,000 yen) is transferred to the BBB branch.

  The operation history analyzed by the operation history analysis unit 33 includes an operation repeated a predetermined number of times, the contents of the immediately preceding transaction, the transaction amount, the transaction deposit / withdrawal account, the customer account, the settlement date or the settlement time, and the like. However, it is not limited to these. The predetermined number of times may be set by the user.

  Therefore, the server 30 as the automatic transaction menu generation device uses the menu generation unit 36 based on the fact that the operation history analysis unit 33 performs the above-described analysis on the information stored in the history information database 70. A predetermined operation menu for the customer can be generated. For example, when a customer whose customer information is “customer 00123” operates the terminal 45 of the automatic teller machine 1 or the like on the 25th of the month, the menu generation unit 36 pays out a fixed amount (19,000 yen). Menus can be generated. The generated menu is transmitted from the server 30 to the automatic teller machine 1 and displayed on the display unit 5. Similarly, for a customer whose customer information is “customer 00465”, a menu for transferring a fixed amount (78,000 yen) to a predetermined account (to AAA Bank BBB branch) together with the current balance is provided. Can be generated.

  In this way, the server 30 as the automatic transaction menu generating device stores and stores the history of the operation of the automatic teller machine 1 by the customer in the history information storage unit 32 using the data structure of the history information database 70. An operation history is analyzed by the operation history analysis unit 33, and an operation menu to be displayed on the automatic teller machine 1 can be generated by the menu generation unit 36 according to the analyzed operation history.

  FIG. 7 is a diagram showing a data structure of the menu item display database 71 stored in the menu storage unit 37 of the server 30 according to the embodiment of the present invention. In the automatic transaction menu generation system 50 in which the server 30 and the terminal 45 (for example, the automatic teller machine 1) are connected to be communicable with each other, the server 30 displays the menu item display mode displayed on the terminal 45 as a menu item display. Information stored in the menu item display database 71 can be searched based on a transmission request from the terminal 45 while being stored in the menu storage unit 37 using the data structure of the database 71.

  As shown in FIG. 7, in the data structure of the menu item display database 71 of the present embodiment, account information and a menu item display mode are associated with each customer identifier. The menu item display mode is used to store the display mode of the operation menu displayed to the customer shown in FIG. FIG. 7 shows a data structure including a menu item display mode and the like in the automatic teller machine 1, but the data structure of the menu item display database 71 is not limited to the menu item display mode in the specific cash automatic teller machine 1. The display mode of various menu items including the operation of the user terminal 40 can be stored.

  In the menu item display database 71 illustrated in FIG. 7, the information whose customer identifier is “customer 00123” is “[○] paid out as the menu item display mode for the account whose account information is“ account 10456 ”, [○ ], [X] deposit, [x] utility bill payment, [with balance display]. Therefore, when the customer identified by the customer identifier “customer 00123” uses the automatic teller machine 1 to perform the transaction of the account, the customer uses the operation menu in which the menu items for payout and transfer are displayed on the screen together with the balance display. it can. Similarly, the information whose customer identifier is “customer 00465” is “[○] payout, [○] transfer, [×] deposit, [○] as the menu item display mode for the account whose account information is“ account 20543 ”. ] “Payment of utility charges, [no balance displayed]”. Accordingly, when the customer identified by the customer identifier “customer 00465” performs transaction of the account using the automatic teller machine 1, the menu items for payout, transfer, and utility bill payment are displayed without displaying the balance. The operation menu displayed on the screen can be used.

  In this way, the server 30 as the automatic transaction menu generating device stores the menu item display mode of the automatic teller machine 1 by the customer in the menu storage unit 37 using the data structure of the menu item display database 71, Using the stored display mode, the display mode of the operation menu displayed on the automatic teller machine 1 can be set for the customer. Therefore, the operation menu generated by the menu generation unit 36 described above can be changed using the display mode stored in the menu storage unit 37 and displayed on the display unit 5 of the automatic teller machine 1. The customer using the automatic teller machine 1 can use the operation menu automatically generated based on the operation history, and can change the mode of the generated operation menu as desired.

  FIG. 8 is a flowchart illustrating the operation of the automatic teller machine 1 and the server 30 according to the embodiment of the invention. The user terminal 40 can operate in the same manner as the automatic teller machine 1.

  In step S101, the automatic teller machine 1 accepts a customer's passbook or card and performs user authentication. Specifically, the user authentication is performed when the information of the passbook or the card received by the automatic teller machine 1 is transmitted to the server 30 and the result of the authentication performed in the server 30 is received by the automatic teller machine 1. The customer can use the automatic teller machine 1. In the case of the user terminal 40, it can be performed as user authentication for login to the server 30.

  In step S102, the automatic teller machine 1 transmits a transmission request to the server 30 in order to receive an operation menu for the authenticated customer. This transmission request includes information on the customer who is authenticated in the user authentication. Specifically, the customer information can be customer information in the data structure of the history information database 70 stored in the history information storage unit 32.

  In step S103, the server 30 waits for a transmission request from any of the terminals 45. In response to receiving the transmission request transmitted by the automatic teller machine 1 in step S102, the server 30 proceeds to step S104.

  In step S104, the server 30 analyzes the customer operation history. That is, the server 30 uses the customer information included in the transmission request received in step S103 to search the history information database 70 for a menu item operation history having an association with the customer information, and uses the operation history analysis unit 33. Analyzing customer operation history. The customer's operation history can include operations repeated a predetermined number of times, the contents of the previous transaction, the transaction amount, transaction deposit / withdrawal account, customer account, settlement date or settlement time, etc. Not.

  In step S105, the server 30 generates an operation menu. That is, menu items to be displayed preferentially or prominently arranged for the customer are selected, and an operation menu is generated. The generated operation menu is transmitted to the automatic teller machine 1.

  In step S <b> 106, the automatic teller machine 1 receives an operation menu from the server 30.

  In step S107, the automatic teller machine 1 displays the received operation menu. The customer can use the operation menu displayed on the display unit 5.

  In step S108, the automatic teller machine 1 accepts a transaction operation by the customer and performs an appropriate process. The transaction process is transmitted to the server 30. For example, information such as the amount withdrawn by the customer from the cash stored in the automatic teller machine 1 is transmitted from the automatic teller machine 1 to the server 30.

  In step S109, the automatic teller machine 1 determines whether there is a next transaction by the customer. That is, it is determined whether or not to display the operation menu under the same authentication for the customer authenticated in step S101. If the result of the determination is true, the process returns to step S102, and if it is false, the process ends.

  In step S110, the server 30 receives the transaction details of the customer from the automatic teller machine 1.

  In step S111, the server 30 stores the operation history of the customer according to the received transaction content. Specifically, the customer operation history is accumulated and stored in the history information storage unit 32 using the data structure of the history information database 70.

  After step S111, the server 30 returns to step S103 and waits for a transmission request from any of the terminals 45. Therefore, the server 30 transmits an operation menu to the terminal 45 such as the automatic teller machine 1 when the customer starts an operation (step S105), and the customer's operation history every time the customer makes a transaction. Are repeatedly stored in the history information storage unit 32. Thereby, the server 30 as a transaction menu generation device can accumulate and store the operation history by the customer, and repeat the operation of generating the operation menu to be displayed to the customer based on the stored operation history.

  FIG. 9 is a flowchart illustrating the operation of the automatic teller machine 1 and the server 30 according to the embodiment of the invention. The flow diagram shown in FIG. 9 includes editing of operation menu items by the customer. Descriptions of parts common to the flowchart shown in FIG. 8 are omitted.

  The operation of the automatic teller machine 1 in steps S121 and S122 and the operation of the server 30 in steps S123 to S125 are the same as the example shown in FIG.

  In step S126, the server 30 appropriately changes the display mode of the generated operation menu. That is, according to the menu item display mode (FIG. 7) stored in the menu storage unit 37, the display mode of the operation menu displayed on the automatic teller machine 1 is appropriately changed. The menu item display mode of the menu storage unit 37 can be set by the customer by setting the display of the menu items of the automatic teller machine 1 shown in FIG. 5, for example. If the menu item display mode is not particularly set, the server 30 may omit this step S126, or the menu item display mode information may be blank.

  In step S127, the automatic teller machine 1 receives the operation menu in which the display mode of the operation menu is appropriately changed.

  In step S128, the automatic teller machine 1 displays the received operation menu.

  In step S129, the automatic teller machine 1 accepts an operation of a transaction by a customer or an edit of a menu item and performs an appropriate process. The transaction process and menu item editing results are transmitted to the server 30.

  In step S130, the automatic teller machine 1 determines whether there is a next transaction by the customer. If the determination result is true, the process returns to step S122, and if it is false, the process ends.

  In step S131, the server 30 receives the contents of the transaction by the customer or the edit of the menu item from the automatic teller machine 1.

  In step S132, the server 30 stores the operation history of the customer according to the received transaction content. Specifically, the customer operation history is accumulated and stored in the history information storage unit 32 using the data structure of the history information database 70.

  In step S 133, the server 30 stores the menu display mode in the menu storage unit 37 using the data structure of the menu item display database 71 according to the editing of the menu items by the customer.

  After step S133, the server 30 returns to step S123 and waits for a transmission request from any of the terminals 45. Therefore, the server 30 transmits an operation menu including an appropriate change in display mode to the terminal 45 such as the automatic teller machine 1 when the customer starts an operation (step S128), and the customer makes a transaction. Every time, the operation history of the customer is accumulated and stored in the history information storage unit 32, and the operation of storing the menu display mode edited by the customer in the menu storage unit 37 is repeated. Thereby, the server 30 as the transaction menu generating device accumulates and stores the operation history by the customer, generates an operation menu to be displayed to the customer based on the stored operation history, and edited by the customer. The operation of storing the menu display mode can be repeated.

  FIG. 10 is a diagram illustrating an example of a hardware configuration of the automatic teller machine 1, the server 30, and the user terminals 40A and 40B according to the embodiment of the present invention. The automatic teller machine 1, the server 30, and the user terminals 40A and 40B include a CPU peripheral unit having a CPU 1002, a RAM 1003, a graphic controller 1004, and a display device 1005 connected to each other by a host controller 1001, and an input / output controller 1006. An input / output unit having a communication interface 1007, a hard disk drive 1008, and a CD-ROM drive 1009 connected to the host controller 1001, and a ROM 1010, a flexible disk drive 1011 and an input / output chip connected to the input / output controller 1006. And a legacy input / output unit 1012.

  The host controller 1001 connects the RAM 1003, the CPU 1002 that accesses the RAM 1003 at a high transfer rate, and the graphic controller 1004. The CPU 1002 operates based on programs stored in the ROM 1010 and the RAM 1003 and controls each unit. The graphic controller 1004 acquires image data generated by the CPU 1002 or the like on a frame buffer provided in the RAM 1003 and displays the image data on the display device 1005. Instead of this, the graphic controller 1004 may include a frame buffer for storing image data generated by the CPU 1002 or the like.

  The input / output controller 1006 connects the host controller 1001 to the hard disk drive 1008, the communication interface 1007, and the CD-ROM drive 1009, which are relatively high-speed input / output devices. The hard disk drive 1008 stores programs and data used by the CPU 1002. The communication interface 1007 transmits / receives a program or data by connecting to the outside. The CD-ROM drive 1009 reads a program or data from the CD-ROM 1020 and provides it to the hard disk drive 1008 and the communication interface 1007 via the RAM 1003.

  The input / output controller 1006 is connected to the ROM 1010, the flexible disk drive 1011, and the input / output chip 1012, which are relatively low-speed input / output devices. The ROM 1010 stores a boot program executed by the automatic teller machine 1, the server 30, and the user terminals 40A and 40B at startup, a program depending on hardware, and the like. The flexible disk drive 1011 reads a program or data from the flexible disk 1021 and provides it to the hard disk drive 1008 and the communication interface 1007 via the RAM 1003. The input / output chip 1012 connects various input / output devices via the flexible disk drive 1011 and, for example, a parallel port, a serial port, a keyboard port, a mouse port, and the like.

  A program executed by the CPU 1002 is stored in a recording medium such as the flexible disk 1021, the CD-ROM 1020, or an IC card and provided by a customer. The program is installed in the hard disk drive 1008 from the recording medium, read into the RAM 1003, and executed by the CPU 1002.

  The program executed by the CPU 1002 causes the computer to function as the automatic teller machine 1, the server 30, and the user terminals 40A and 40B described with reference to FIGS. The automatic transaction menu generation program executed by the CPU 1002 analyzes a history information storage step for storing a customer operation history for an automatic transaction apparatus having a plurality of menu items, and an operation history stored in the history information storage step. An operation history analysis step, a menu generation step for generating an operation menu for a customer from a plurality of menu items based on the analysis in the operation history analysis step, and a menu display step for displaying the operation menu on the automatic transaction apparatus And make the computer execute.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Automatic teller machine 30 Server 32 History information storage part 33 Operation history analysis part 36 Menu generation part 37 Menu storage part 40 User terminal 50 Automatic transaction menu generation system

Claims (7)

A history information storage unit for storing a customer's operation history for an automatic transaction apparatus having a plurality of menu items;
An operation history analysis unit that analyzes the operation history stored in the history information storage unit;
A menu generation unit that generates an operation menu for the customer from the plurality of menu items based on the analysis by the operation history analysis unit;
An automatic transaction menu generating device comprising: The operation history analysis unit analyzes the frequency of selection by the customer for the plurality of menu items of the automatic transaction apparatus,
The menu generation unit generates the operation menu by arranging the plurality of menu items based on the frequency.
The automatic transaction menu production | generation apparatus of Claim 1. The operation history analysis unit analyzes characteristics of the customer's transaction by the automatic transaction apparatus,
The menu generation unit generates the operation menu based on the characteristics of the transaction.
The automatic transaction menu production | generation apparatus of Claim 1. The characteristics of the transaction include the content of the previous transaction, the amount of the transaction, the deposit / withdrawal account of the transaction, the customer account, the settlement date or the settlement time,
The automatic transaction menu production | generation apparatus of Claim 3. And a menu storage unit for storing the operation menu generated by the menu generation unit,
The menu storage unit stores a display mode of each menu item based on an instruction from the customer.
The automatic transaction menu production | generation apparatus of Claim 1. A server and a terminal,
The terminal
A transmission / reception unit communicably connected to the server;
A display unit for displaying a transaction screen having a plurality of menu items received from the server;
An operation unit that receives an operation on the transaction screen by a customer,
Sending the customer's operation for the transaction screen received by the operation unit to the server,
The server
A transmission / reception unit communicably connected to the terminal;
A history information storage unit for storing an operation history for the transaction screen of the customer;
An operation history analysis unit that analyzes the operation history stored in the history information storage unit;
A menu generation unit that generates an operation menu for the customer based on the analysis by the operation history analysis unit,
In response to receiving an operation on the transaction screen by the customer from the terminal,
The operation history analysis unit analyzes the operation history of the customer stored in the history information storage unit,
The menu generation unit generates an operation menu for the customer based on the analysis by the operation history analysis unit,
The transmission / reception unit transmits the operation menu generated by the menu generation unit to the terminal as the transaction screen,
The history information storage unit stores an operation history for the customer operation and the transaction screen.
Automatic transaction menu generation system. A history information storage step for storing a customer's operation history for an automatic transaction apparatus having a plurality of menu items;
An operation history analysis step of analyzing the operation history stored in the history information storage step;
A menu generation step of generating an operation menu for the customer from the plurality of menu items based on the analysis in the operation history analysis step;
A menu display step for displaying the operation menu on the automatic transaction apparatus;
Automatic transaction menu generation program that causes a computer to execute.

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