JPH1027207A - Automatic transaction device and information provision terminal device - Google Patents

Abstract

(57) [Summary] A terminal device for displaying image data other than a guide image on a display unit of an automatic transaction device such as an ATM or a CD so as to provide not only cash transactions but also various information. So that it can be used effectively. SOLUTION: An information providing database 5 holding information providing image data other than the transaction image data and control data including display conditions for displaying the image data,
Information for reading the image data for information provision and the control data from the database for information provision 5 and controlling the display state of the display unit 2 so that the image data for information provision is displayed on the display unit 2 in accordance with the display conditions in the control data. The provision display control unit 6 is provided.

Description

DETAILED DESCRIPTION OF THE INVENTION

(Contents) Technical Field to which the Invention pertains Prior Art Problems to be Solved by the Invention Means for Solving the Problems (FIGS. 1 to 4) Embodiment of the Invention [a] Automatic Transaction Apparatus of the Present Embodiment [FIG. 5] [b] Description of display database (FIGS. 6 to 8) [c] Description of various functions of processing unit (FIGS. 9, 10, and 1)
3) [d] Description of communication between automatic transaction equipment and center (FIG. 1)
0 to 12) [e] Explanation of data download to the automatic transaction apparatus (FIGS. 13 and 14) [f] Explanation of condition setting procedure (FIGS. 15 to 20) [g] Description of overall operation of the automatic transaction apparatus (FIGS. 21 to 4
0) [h] Other effects of the invention

[0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic deposit payment machine [A] in an automatic machine corner of a financial institution such as a bank.
TM (Automatic Teller Machine)] or a cash dispenser [C
D (Cash Dispenser)] and an automatic transaction device used as a terminal device for providing various information to a user. The present invention also relates to an information providing terminal device installed on a street corner, in various stores, and the like, for providing various information to a user.

[0003]

2. Description of the Related Art Generally, ATMs and CDs as automatic transaction devices are installed in automatic machines of financial institutions such as banks and cashing corners of various money lending businesses. In such an automatic transaction device, a user inserts a transaction medium such as a transaction passbook or a card and operates a touch panel or the like on the display screen while referring to a guide image displayed on a display (display unit). As a result, transactions such as cash withdrawal and deposit are performed.

[0004] In recent years, information providing terminal devices for providing various information have been installed in the street corners of shopping malls, underground shopping malls, and in various stores in order to provide information on the shopping malls, underground shopping malls, and stores. I have. In such an information providing terminal device, the user operates the touch panel or the like on the display screen while referring to the guide image displayed on the display (display unit), so that the user can access the shopping street, Information that you want to know when using an underground mall or a store is output as image data (pictures, figures, pictures, characters, etc.) on the display or audio data (music, voice, etc.) from the speaker and provided to the user. It has become so.

[0005]

The above-described conventional automatic transaction apparatus is usually used only for cash transactions as described above, but is installed in a public place with many people. Therefore, if it is possible to display image data other than the guide image on the display during periods when transactions are not being performed or waiting time of users, terminals for providing various information not only for cash transactions It is considered that the device will be used very effectively.

On the other hand, in the conventional information providing terminal device described above, even if information having a small number of referents is retained, it is useless and wastes storage capacity. It is hoped that it can be provided. At the same time, it is also desired to be able to provide only useful information for users. Also, when it is desired to provide the same information to the user at the same time by the terminal devices installed at a plurality of locations, it is extremely troublesome to install the information for each terminal device, and for example, the terminal device is nationwide. When such information is installed, an extremely large number of people and labor are required to install the information.

[0007] The various demands described above also occur when an automatic transaction apparatus is used as an information providing terminal apparatus. In view of such circumstances, the present invention has enabled display of image data other than the guide image on the display unit, so that it can be effectively used not only for transactions but also as a terminal device for providing various information. It is a first object to provide an automatic transaction device.

Further, the present invention not only enables to provide effective information with many references and effective information for users, but also makes it possible to easily and easily provide information providing data even when terminal devices are installed at a plurality of locations. A second object is to provide an information providing terminal device which can be installed quickly.

[0009]

FIG. 1 is a block diagram showing the principle of the first invention. As shown in FIG. 1, the automatic transaction apparatus 1 of the first invention comprises a display unit 2, a transaction database 3, and a transaction database. It has a display control unit 4, an information provision database 5, and an information provision display control unit 6. Here, the display unit 2 displays a reference image required when a user performs a transaction, and the transaction database 3 holds transaction image data to be displayed as a reference image. The transaction display control unit 4 controls the display state of the display unit 2 so that the transaction image data of the transaction database 3 is displayed on the display unit 2 as a reference image.

The information providing database 5 holds information providing image data other than the transaction image data and control data including display conditions for displaying the image data. The control unit 6 reads out the image data for information provision and the control data from the database 5 for information provision, and displays the image data for information provision on the display unit 2 according to the display conditions in the control data. It controls the state (claim 1).

Thus, the information providing image data other than the guide image is displayed on the display unit 2 in accordance with the display condition in the control data.
And the automatic transaction apparatus 1 can be used as a terminal apparatus for providing various information as well as for transactions. The automatic transaction device 1 described above may have various functions described in the following items (1) to (12).

(1) The display condition is a temporal display condition for specifying a timing at which the image data for information provision is displayed on the display unit 2, and it is determined whether or not the current time satisfies the temporal display condition. If it is determined by the timer mechanism that the current time satisfies the temporal display condition, the information providing display control unit 6 causes the display unit 2 to display the information providing image data on the display unit 2. The display state of the unit 2 is controlled (claim 2).

[0013] Thus, information affected by the season,
If there is information that you want to provide only on a specific date, information that you want to provide only on a specific day of the week, or information that you want to provide only in a specific time period (for example, only in the evening), Just set the display conditions in advance,
The information (information providing image data) can be automatically displayed on the display unit 2 for a specific period.

(2) A clerk processing mechanism is provided which enables the clerk to operate the display conditions in an interactive manner while displaying the display conditions on the display unit 2 (claim 3). By using this attendant processing mechanism, the display conditions set in advance can be confirmed, and the display conditions set in advance can be changed or deleted or new display conditions can be added without resetting all the display conditions. Or you can.

(3) The display control unit 6 for information provision cooperates with the display control unit 4 for transaction to simultaneously display the image data for information provision together with the image data for transaction on the same screen on the display unit 2. Then, the display state of the display unit 2 is controlled (claim 4). Thereby, the user can simultaneously receive information other than the transaction on the display unit 2 while performing a normal transaction by the automatic transaction apparatus 1.

At this time, a selection menu item for narrowing down display information on the display unit 2 as image data for information provision is included, and the display control unit for information provision 6 displays the selection menu item on the display unit 2 as the transaction progresses. The display state of the display unit 2 is controlled so as to be displayed, and information is displayed so that the user selects a predetermined item from a selection menu item on the display unit 2 and displays image data of the predetermined item on the display unit 2. A selection input unit for giving an instruction to the display control unit for provision 6 may be provided (claim 5). Thereby, the user can simultaneously narrow down information other than the transaction while performing the transaction processing, and can refine and subdivide the provided information.

Further, the priorities of the selected menu items are set in advance as display conditions for each item, and the information provision display control unit 6 causes the display unit 2 to display a higher priority item among the selected menu items on the display unit 2. The display state of the display unit 2 may be controlled so as to be displayed more emphasized than the item (6). Thus, the information provider can emphasize the display state of the selected menu item according to the importance (priority) of the information that the information provider wants to provide.

(4) Priorities and display times of information screens displayed as information providing image data are set in advance as display conditions for each information screen, and the user waits for the completion of a transaction process. When displaying the image data for information provision on the display unit 2 during the period during which the information provision is being performed, the display control unit 6 for information provision determines the processing time until the processing is completed, and completes the display within the processing time. Are selected while adding display times in descending order of priority, and the display state of the display unit 2 is controlled so that the selected information screen is displayed on the display unit 2 as information providing image data ( Claim 7). Thus, even when the period during which the user waits for the completion of the processing for the transaction (processing time) is short, it is possible to provide information according to the importance (priority).

(5) User-specific information is recorded in advance in a transaction medium inserted by the user at the time of the transaction, and information providing image data corresponding to the user-specific information is stored in the information providing database 5. The information provision display control unit 6 reads the information provision image data corresponding to the user-specific information in the transaction medium from the information provision database 5 and stores the information provision image data in the display unit 2. The display state of the display unit 2 is controlled so as to be displayed on the display (claim 8). Thereby, by referring to the user-specific information recorded in advance in the transaction medium, the display unit 2
When providing information by, for example, the nationality of the user,
Information according to gender, age, hobbies, etc. can be provided in an appropriate language.

(6) Similarly, user-specific information is recorded in advance in a transaction medium inserted by the user during the transaction, and transaction image data corresponding to the user-specific information is stored in the transaction database 3. Is stored in advance, the transaction display control unit 4 reads the transaction image data corresponding to the user-specific information in the transaction medium from the transaction database 3, and causes the display unit 2 to display the transaction image data. Thus, the display state of the display unit 2 may be controlled (claim 9). Thereby, when the guidance image for the transaction is displayed on the display unit 2 by referring to the user-specific information recorded in advance in the transaction medium, the guidance image is displayed in an appropriate language according to the nationality of the user, for example. Guidance information can be displayed.

(7) A congestion state discrimination mechanism for discriminating a congestion state in which the number of transactions per unit time has increased has been provided. The unit 6 stops displaying the information providing image data (claim 10). This allows
At the time of congestion of a user who conducts a transaction, the display of the image data for information provision is stopped, and the automatic transaction apparatus 1 is used only for a normal transaction, so that a smooth operation can be performed.

(8) Outside the transaction time when the transaction display control unit 4 does not operate, only the information provision display control unit 6 operates to display the information provision image data on the display unit 2. 2 is controlled (claim 11). Thereby, the automatic transaction apparatus 1 is used for performing a transaction (or for performing both the transaction and the information provision) during the transaction time (during business hours of a financial institution or the like), while being used outside the transaction time ( Outside business hours), it is used as a terminal device for providing information.

(9) The number of introductions of the user is stored as an introduction log for each of the selected menu items, and the information provision display control unit 6 refers to the number of introductions stored in the introduction log, and The display state of the display unit 2 is controlled so that the image data for information provision with respect to an item having a small number is replaced with another image data for information provision and displayed on the display unit 2 (claim 12). As a result, the information providing image data with a small number of introductions is replaced with other information providing image data, and valid information with a large number of introductions, that is, valid information with a large number of referrals is held and provided. Only valid information can be provided.

(10) The host device is communicably connected to the host device via a communication line, and installs or maintains image data for providing information or control data from the host device. Accordingly, when the same information is simultaneously provided to the user by the automatic transaction apparatuses 1 installed at a plurality of locations, the information is collectively installed or maintained from a higher-level device (host computer). be able to.

(11) A reference status database holding the reference status of the image data for information provision for each user is provided in the device or in a higher-level device communicably connected via a communication line, and the display for information provision is provided. The control unit 6 refers to the reference status database by the reference status by the user based on the user identification information recorded on the transaction medium inserted by the user at the time of the transaction, and provides information according to the reference status. The image data is read from the information providing database 5, and the display state of the display unit 2 is controlled so that the information providing image data is displayed on the display unit 2 (claim 14). As a result, the user's information reference tendency can be grasped from the reference situation database, and the user can be provided with only effective information instead of unnecessary information.

(12) The display control unit 4 for transaction and the display control unit 6 for providing information may be shared, and the functions of these two display control units 4 and 6 may be realized by one display control unit ( Claim 15). Thus, it is not necessary to provide two display control units having different functions, and the device configuration can be simplified. FIG. 2 is a block diagram showing the principle of the second invention. As shown in FIG.
A is an information output unit 2A, an information providing database 5A,
Information provision control unit 6A, selection input unit 7A and introduction log 8
Is configured.

Here, the information output section 2A outputs the information in order to provide information to the user, and the information providing database 5A provides information on information to be output from the information output section 2A. The information providing control unit 6A controls the operation state of the information output unit 2A so as to output the information providing data from the information output unit 2A, and the selection input unit 7A This is for giving an instruction to the information provision control unit 2A so that the user selects an item of information requested to be introduced and causes the information output unit 2A to output information provision data for the item.

The introduction log 8 holds the number of introductions of the user for each item. In the present invention, the information provision control unit 6A refers to the number of introductions held in the introduction log 8, The operation state of the information output section 2A is controlled so that the information provision section 2A replaces the information provision data for the item with a small number of introductions with another information provision data and causes the information output section 2A to output the information provision data (claim 16).

As a result, the information providing data with a small number of introductions is replaced with other information providing data, and the effective information with a large number of introductions, that is, valid information with many referents is held and provided, and unnecessary information is provided. Only valid information can be provided. FIG. 3 is a principle block diagram of the third invention. As shown in FIG. 3, the information provision terminal device 1B of the third invention comprises an information output unit 2B, an information provision database 5B, an information provision control unit 6B and a selection unit. It has an input unit 7B.

Here, the information output section 2B outputs the information in order to provide the information to the user, and the information providing database 5B provides information about information to be output from the information output section 2B. The information provision control unit 6B controls the operation state of the information output unit 2B so as to output the information provision data from the information output unit 2B. The selection input unit 7B This is for giving an instruction to the information provision control unit 2B so that the user selects an item of information requested to be introduced and causes the information output unit 2B to output information provision data for the item.

Then, the information providing terminal device 1B of the present invention
Is communicably connected to the host device 9 via the communication line 10, and is configured so that the information providing data is installed or maintained from the host device 9 side. . Accordingly, in a case where the same information is simultaneously provided to the user by the information providing terminal device 1B installed at a plurality of locations, the information is collectively installed and maintained from the upper level device 9. Can be.

FIG. 4 is a block diagram showing the principle of the fourth invention. As shown in FIG.
Has an information output unit 2C, an information provision database 5C, an information provision control unit 6C, and a selection input unit 7C. Here, the information output unit 2C outputs the information so as to provide information to the user, and the information providing database 5C stores information providing data on information to be output from the information output unit 2C. The information provision control unit 6C controls an operation state of the information output unit 2C so that the information provision data is output from the information output unit 2C. Is to instruct the information provision control unit 2C to select an item of information requested to be introduced and to output information provision data for the item from the information output unit 2C.

In the present invention, when a user can be specified at the time of providing information, the reference status database 11 that holds the reference status of the information providing data for each user is provided inside the information providing terminal device 1C or The information providing control unit 6C is provided in the upper-level device 9 communicably connected via the communication line 10, refers to the specified reference status by the user in the reference status database 11, and responds to the reference status. The information providing data is read from the information providing database 5C, and the operation state of the information output unit 2C is controlled so that the information providing data is output from the information output unit 2C (claim 18).

As a result, the information reference tendency of the user can be grasped by the reference situation database 11, and the user can be provided with only effective information instead of unnecessary information.

[0035]

Embodiments of the present invention will be described below with reference to the drawings. [A] Description of the Overall Configuration of the Automatic Transaction Device of the Present Embodiment FIG. 5 is a block diagram showing the overall configuration of the automatic transaction device as one embodiment of the present invention. As shown in FIG.
The automatic transaction device 20 of the present embodiment is used as an ATM or a CD in an automatic machine corner of a financial institution such as a bank or a cashing corner of various money lending businesses, and also has a function as an information providing terminal device.
It has a display unit 21, a transaction database 22, a display database 23, a processing unit 24, and an input unit 25.

Here, the display unit (information output unit) 21 displays a guide image (transaction image data) referred to when a user of the automatic transaction apparatus 20 conducts a transaction, and information (information to be provided to the user). It displays information providing image data) and includes a display unit 21a and a display memory 21b. The display unit 21a is composed of, for example, a CRT or a liquid crystal display, and displays data developed in the display memory 21b by the processing unit 24.

The transaction database 22 holds transaction image data to be displayed as the guide image described above. The display database (information providing database) 23 holds information data necessary for enabling the automatic transaction apparatus 20 of the present embodiment to provide various information and data for managing the information data. It holds information providing image data other than the image data and control data (a control file or all management files described later) including display conditions for displaying the image data. Details of various data held in the display database 23 will be described later with reference to FIGS. These databases 22 and 23
Is, for example, HD (Hard Disk) or MO (Magneto-Optical
memory).

The processing section 24 controls the operation (transaction operation and information providing operation) of the automatic transaction apparatus 20 of the present embodiment, and includes a CPU 24a and various files 24b. The processing unit 24 has a work area 24c and a transaction processing unit 24d and a control file processing unit 2 described later by the CPU 24a executing a predetermined program based on data held in various files 24b.
4e, timer monitoring processing unit 24f, line control processing unit 24g
And a function as the attendant processing unit 24h.

The various files 24b hold, for example, the processing times of the last ten transactions (communication time with the host computer) as files. Also,
The work area 24c functions not only as a program memory but also as a work area or a buffer area for performing each processing. The input unit 25 performs a function for inputting various data (a personal identification number, a transaction type, a transaction amount, a financial institution name, a branch name, an account name, an account number, etc.) necessary for the transaction in a normal transaction. In addition, in addition to such functions, in the present embodiment, a predetermined item is selected from the selection menu items displayed on the display unit 21a of the display unit 21, and the image data of the predetermined item is displayed on the display unit 21a. Processing unit 2
4 also serves as a selection input unit for giving an instruction to 4. The input unit 25 is normally connected to the display unit 21.
a is configured as a touch panel arranged on the screen,
Although it has character input keys and the like, it may be composed of a keyboard, a mouse and the like.

[B] Description of Display Database In the display database 23 in the present embodiment, various information (information other than the transaction guide image) that the information provider wants to provide to the user of the automatic transaction apparatus 20 is provided. However, FIG.
As shown in FIG. 2, data Di (i =
, N: n are natural numbers) and a control file Fi (i = 1, 2,..., N: n is a natural number) for the data Di (see FIG. 7). Further, the display database 23 stores all management files (FIG. 8) that hold display conditions common to all information necessary for displaying these data Di.
Reference) F0 is stored.

Here, the data Di are basically image data (pictures, figures,...) To be displayed on the display unit 21a.
If the automatic transaction device 20 (or the information providing terminal device) is provided with a mechanism for outputting a sound such as a speaker, the data Di may be used.
May include audio data (music, voice, etc.).

This data Di is, for example, as shown in FIG. 7, three types of information data Dai, Dbi, D normally displayed as display screens A, B, C, respectively.
ci, and two types of replacement information data Ddi and Dei that can be replaced with display screens A to C and displayed as display screens D and E, respectively, according to the use frequency (reference situation by the user) as described later. ing.

The control file Fi for the data Di holds control data including display conditions for displaying the data Di, for example, data such as the following conditions and an introduction log. Temporal display conditions (for example, time zone, day of the week, period, date, etc.) for specifying the timing at which data Di should be displayed (output): Based on these temporal display conditions, the display timing is controlled as described later. If the temporal display conditions set in the control files Fi for the n data Dis overlap, the control file processing unit 24e, which will be described later, displays the display priority (priority) determined in advance according to the specifications. Control is performed. Further, the function of the attendant processing unit 24h allows confirmation / addition / change / deletion of the temporal display condition as described later with reference to FIGS.

Priority (importance) of five items of information data Dai to Dei in data Di: Based on this priority, control is performed so as to emphasize important data (selection menu items) as described later. I do. Priority (importance) and display time (see FIG. 36) for each information screen constituting each information data Dai to Dei: FIG. 3 based on these priorities and display times.
Adjustment of the information display time (screen thinning process) is performed as described later with reference to FIGS.

An introduction log that holds the reference status (the number of times of user introduction) of three types of normally displayed information data Dai, Dbi, and Dci for each of the data Dai, Dbi, and Dci: the reference status and the replacement described later. Based on the target number of times, replacement of information data to be displayed (replacement of Dai, Dbi, Dci with Ddi, Dei) is performed as described later.

Further, all the management files F0 include various data as shown in FIG. 8 [display conditions: transaction / information provision priority reference values, screen division (raster),
Each data standard (raster), emphasized data (raster),
Emphasis data details, number of times of replacement). Transaction / information provision priority reference value: Reference value of the number of transactions per hour (for example, set in the range of 0 to 999). The reference value is used by a function as a congestion state determination mechanism (described later) of the control file processing unit 24e to determine a congestion state in which the number of transactions per unit time has increased. In other words, when the actual number of transactions per hour becomes larger than the reference value, it is determined that a congestion has occurred. The reference value can be set / changed by the function of the attendant processing unit 24h as described later with reference to FIG.

Screen division: A value that designates a division position when the image data for transaction and the image data for information provision are simultaneously displayed on the screen of the display unit 21a. The value is preset in the range of, for example, 0 to 640 according to the user specification. Each data standard: A value that specifies the size on the screen when the information providing image data is displayed in a standard manner. The value is preset in the range of, for example, 0 to 480 according to the user specification.

Emphasis data: A value that specifies the size on the screen when the image data for information provision is emphasized according to the priority. The value is, for example, 0 to 4 depending on the user specification.
It is preset in the range of 80. Detail of emphasized data: When the image data for information provision is to be emphasized and displayed in the size set as the emphasized data, it is set whether or not to perform further emphasized display. For example, when this value is “0”, the image data to be emphasized is only displayed in an emphasized manner at the size set as the emphasized data. The image data to be emphasized is displayed large and is surrounded by a thick frame. If the value is "2", the image data to be emphasized is displayed in a large size, and the brightness of the display portion is adjusted (for example, the emphasized portion is made brighter).
In addition, highlighting may be performed by changing the display color.

Number of times of replacement: one data D
A reference value used to determine an opportunity to replace information data normally displayed in i with other replacement information data. For example, 1000
It is set as the number of references during which the trade is performed, and is typically (as a default) eg 10 times / 1000
Is set. As will be described later, if there is information data for which the actual reference count held in the introduction log is less than the replacement target count after the predetermined number of transactions has been executed, the information data is replaced with another replacement information data. ing.

[C] Description of Various Functions of Processing Unit Next, the transaction processing unit 24 in the processing unit 24 of the present embodiment will be described.
d, control file processing unit 24e, timer monitoring processing unit 24
f, functions as the line control processing unit 24g and the attendant processing unit 24h will be described. The transaction processing section 24d is for realizing the original function of the automatic transaction apparatus 20, and reads data from an MS (magnetic stripe) section of a magnetic card (not shown; transaction medium) inserted by a user. The processing, the reading result and the user's personal identification number from the input unit 25, the transaction type, the transaction amount, the financial institution name, the branch name,
Various processing according to the input results such as account name, account number, etc.,
Automatic transaction device 20 (ATM, C
This is a part for performing basic processing as D). The transaction processing unit 24d uses the transaction image data of the transaction database 22 as a reference image to display the display unit 21 of the display unit 21.
The display unit 21a also has a function as a transaction display control unit that controls the display state of the display unit 21a so that the display unit 21a displays the information.

Incidentally, a magnetic card (MS section) inserted into the automatic transaction apparatus 20 by a user at the time of a transaction generally has a data format as shown in FIG. As shown in FIG. 9, a password, a user code (company code), a branch code, an account number (member number) and the like are recorded in the MS section. , Payment limit, latest use date, expiration date, etc. are also recorded. The MS section is provided with an unused portion which is called a spare field and can be assigned (assigned) by a user. In the present embodiment, user-specific information is recorded in advance in a spare field in the MS section of the magnetic card inserted at the time of a transaction. The user-specific information is
For example, it relates to nationality, gender, age, hobbies, and the like.

In the present embodiment, transaction image data corresponding to user-specific information is stored in the transaction database 22 in advance. Specifically, in the present embodiment, the transaction guidance image written in various languages according to the nationality information is held in the transaction database 22, and the transaction guidance image in the language according to the nationality information is stored in the transaction database 22. It can be read from.

Similarly, the display database 2 of the present embodiment
3 also stores information providing image data corresponding to the user-specific information in advance. Specifically, the display database 23 of the present embodiment holds information providing image data written in various languages according to nationality information,
The image data for information provision is classified and stored for each user-specific information such as the user's nationality, gender, age, and hobby.
Information providing image data corresponding to the user's nationality, gender, age, hobby, etc. can be read from the display database 23 in a language corresponding to the user's nationality information.

Then, the transaction processing unit 24d (transaction display control unit), based on the user unique information (here, the nationality information) read from the spare field in the MS section of the magnetic card at the time of the transaction, generates the The transaction image data written in the corresponding language (English for nationality of English-speaking countries, French for nationality of French-speaking countries, etc.) is read from the transaction database 22 and the transaction image data is displayed on the display unit 21a. Also has a function of controlling the display state of the display unit 21. Actually, the transaction image data written in the language corresponding to the nationality information is developed on the display memory 21b. At this time, information on the language corresponding to the nationality information is registered as a language mode in the various files 24b. This language mode is usually
In the case where another language such as English is displayed based on the nationality information in Japanese, the setting can be switched to the language.

The timer monitoring processor 24f monitors the timer of the entire automatic transaction apparatus 20 of the present embodiment,
The information switching time (display switching time of the image data for information provision) is notified to the control file processing unit 24e, and an information switching request (display unit 2) is performed.
1a).

Here, the timer monitoring processor 24f searches the control file Fi for each data Di held in the display database 23, and refers to the temporal display condition preset in each control file Fi. , The current time satisfies the temporal display condition. The timer monitoring processing unit 24f requests the control file processing unit 24e to display the data Di satisfying the temporal display condition on the display unit 21 (the switching request).

The control file processing unit 24e accesses the display database 23 so that various kinds of information can be provided in the automatic transaction apparatus 20 according to the present embodiment, and also obtains data obtained by the access (information providing image data). ) Is developed in the display memory 21b and displayed on the display unit 21a. As described later, the screen division management in the display unit 21a, a host computer (hereinafter, referred to as a host) or a server (FIG.
Various functions such as a file transfer of information data from a reference numeral 30 of 0) are also performed.

In particular, the control file processing unit 2 of this embodiment
Reference numeral 4e reads out the data Di for providing information from the display database 23, refers to various files 24b in addition to the control file Fi and all management files F0 of the display database 23, and reads these files Fi, F0, 24.
The data Di for providing information is displayed on the display unit 2 of the display unit 21 in accordance with the display condition set in the display unit b (or a request from the timer monitoring processing unit 24f or an instruction from the input unit 25).
It has a function as an information provision display control unit for controlling the display state of the display unit 21a so as to display the display unit 1a.

Hereinafter, various functions (1) to (11) as an information provision display control unit realized by the control file processing unit 24e of the present embodiment will be described. (1) When a request to display data Di satisfying the temporal display condition on the display unit 21 is received from the timer monitoring processing unit 24f, the data Di is read from the display database 23, and the control file Fi (introduction log or the like) is read. , Based on the data set in the management file F0 and the various files 24b (the processing time of the last ten transactions, etc.), the data Di is developed in the display memory 21b so as to be displayed on the display unit 21a of the display unit 21.

(2) In cooperation with the function as the transaction display control unit of the transaction processing unit 24d, the image data for information provision is displayed together with the image data for transaction on the display unit 2 of the display unit 21.
The display state of the display unit 21a (data expansion to the display memory 21b) is controlled so that the display is performed simultaneously on the same screen on 1a. At this time, the information providing image data and the transaction image data are divided and displayed on the same screen based on the screen division value (see FIG. 8) set in all the management files F0.

(3) A selection menu item (see FIG. 24, for example) for narrowing down display information on the display unit 21a of the display unit 21 as information providing image data, and the selection menu item is displayed according to the progress of the transaction. 2
The display state of the display unit 21a is controlled so as to be displayed on the display unit 1a. At this time, when the user selects a predetermined item from the selection menu items on the display unit 21a using the input unit 25 (such as a touch panel), the input unit 25 sends a control file processing unit 24e to the control file processing unit 24e. An instruction is given to display the image data on the display unit 21a.

(4) Among the selected menu items, items having a high priority (previously set in the control file Fi for data Di as described above) are assigned to the emphasis data and the emphasis data set in the entire management file F0. Detail values (Figure 8
), The display state of the display unit 21a is controlled so as to be displayed more emphasized than other items on the display unit 21a.

(5) In the case where the image data Di for information provision is displayed on the display unit 21 during the period when the user is waiting for the completion of the processing for the transaction, it will be described later with reference to FIGS. 36 to 40. As described above, the processing time until the processing is completed (for example, the total of the internal processing time, the center communication time, etc.)
The information screens which can be obtained based on the average value of the processing times of the past 10 transactions held in the various files 24b and which can be completely displayed within the processing time are added to the display screens in descending order of priority while adding the display times. The display state of the display unit 21a is controlled so that the selected information screen is displayed on the display unit 21a as information providing image data.
Here, data Di (information data Dai to
The priority and the display time for each information screen constituting any one of Dei are previously set in the control file Fi for the data Di as described above.

(6) The image data for information provision corresponding to the user-specific information (for example, nationality, gender, age, hobby, etc.) read from the spare field in the MS section of the magnetic card at the time of the transaction is transferred to the user's nationality information. (Language mode of various files 24b) is read from the display database 23 in a language corresponding to the information providing image data,
The display state of the display unit 21 is controlled so as to be displayed on 1a.

(7) As shown in FIG. 8, all management files F
A congestion state discrimination mechanism for discriminating a congestion state in which the number of transactions per unit time has increased based on the transaction / information provision priority reference value (the reference value of the number of transactions per hour) set to 0; If the actual number of transactions per hour is larger than the reference value by the congestion state discrimination mechanism, it is determined that the congestion state has occurred. The display of the providing image data on the display unit 21a is stopped.

(8) Control file Fi for each data Di
Referring to the number of referrals held in the referral log at
The display state of the display unit 21a is controlled so that the information providing image data of the item (information data) with a small number of introductions is replaced with other information providing image data and displayed on the display unit 21a. For example, a description will be given based on the example shown in FIG.
Information data Dai, D held in the
Referring to the introduction log for bi and Dci, the number of references during the predetermined number of transactions (for example, 1000) is replaced with the number of replacement targets (for example, 10) set in all management files F0 as shown in FIG. If there is less than the information data, the information data is replaced with the replacement information data D.
Subsequent display control is performed by replacing di and Dei.

(9) A reference status database (customer database; FIG. 9) that holds, for each user, a reference status of information providing image data (information on what kind of information providing image data has been previously selected and referred to). (Not shown) in advance in the automatic transaction apparatus 20 of the present embodiment or a host (server, host device) 30 of a center communicably connected via a communication line 31 as shown in FIGS. deep. In the example described later, the description will be made assuming that the reference situation database (customer database) is provided on the center side. Then, based on the user identification information (account number, member number, etc.) recorded on the transaction medium (for example, the magnetic card described above) inserted by the user at the time of the transaction, the reference status by the user is determined from the reference status database. The information providing image data (image data suitable for the user's hobbies, preferences, etc.) according to the reference situation is read from the display database 23, and the information providing image data is displayed on the display unit 21a. The display state of the display unit 21a is controlled.

(10) File transfer of information data or the like is performed in accordance with an instruction from a line control processing unit 24g or a clerk processing unit 24h to be described later. (11) Outside the transaction time when the transaction processing unit 24d does not operate (the business hours of the automatic machine corner of a financial institution or the cashing corner of various money lending businesses), the control file processing unit 24e
Operates as described above, and causes the automatic transaction apparatus 20 to operate as an information providing terminal apparatus.

The control file processing unit 24e described above
The hardware for realizing the function as the display control unit for providing information and the function as the display control unit for transaction in the transaction processing unit 24d is actually shared, and the simplification of the device 20 is simplified. It is planned. Now, the line control processing unit 24g manages the line protocol and the normal transaction message, and operates the center host 30 (FIG. 10 or FIG. 13).
), And when receiving the information data, outputs a data receiving instruction to the control file processing unit 24e to instruct the control file processing unit 24e to update the target portion of the display database 23. It has become.

That is, the automatic transaction apparatus 20 of the present embodiment
Is communicably connected to the host 30 via the communication line 31 as shown in FIG. 10 and FIG. 13, and the host 30 provides information in the display database 23 via the line control processing unit 24g. It is possible to perform installation (download) and maintenance of image data for use and control files.

When a user selects and refers to information during a transaction, the communication between the automatic transaction apparatus 20 and the center (host 30) performed via the line control processing unit 24g and the communication line 31. For more information,
This will be described later with reference to FIGS. The details of the data download from the host 30 to the automatic transaction apparatus 20 performed via the line control processing unit 24g and the communication line 31 will be described later with reference to FIGS.

The attendant processing unit 24h controls the automatic transaction apparatus 20 to install information data in the display database 23 and to update each control file Fi for the data Di installed in the display database 23. File processing unit 2
4e for outputting an instruction to the control file Fi.
This allows the attendant to operate the display conditions in an interactive manner while displaying contents such as (display conditions) on the display unit 21a. A specific condition setting procedure (such as a transition of a display state on the display unit 21a) performed using the attendant processing unit 24h will be described later with reference to FIGS.

[D] Description of Communication between Automatic Transaction Device and Center Next, in the following, the automatic transaction device 20 and the center (host 3
0) will be described with reference to FIGS. As shown in FIG.
Is communicably connected to a center host 30 via a predetermined communication line 31. For each transaction,
A transaction request message (file) 32 having a format as shown in FIG. 1A is transmitted to the center host 30 side,
As a response to the transaction request message 32, FIG.
The communication with the host 30 is performed by receiving a transaction response message (file) 33 having the format shown in FIG.

Specifically, the above-mentioned transaction request message 32 and transaction response message 33 are respectively shown in FIG.
In the present embodiment, as shown in FIG.
Part 3 that specifies the type of data (text file, etc.)
4 and a data section 35 in which predetermined various data are stored. Usually, the data section 35 of the transaction request message 32 includes, for example, a transaction amount at the time of a deposit / withdrawal operation by a user (customer), The personal identification number and customer data (account number, member number, etc.) are stored, and the data portion 35 of the transaction response message 33 of the transaction response message 33 stores the transaction amount,
Print data and the like for printing a transaction statement are stored.

In the present embodiment, the transaction request message 3
3 includes the number of information data (information data selection information) selected and referred to on the display unit 21 by the customer during the transaction, as indicated by the shaded portion in FIG. As shown by the shaded portion in FIG. 11B, the transaction response message 33 includes information data specific to the customer (stored in the customer database on the center side). ) Can be set.

The information data portion (the shaded portion in FIG. 11B) of the transaction response message 33 includes
For example, as shown in FIG. 12, the number (information content) of the information data to be sent to the customer, the total management file F
A reference value for transaction processing / information provision priority for information setting (change) within 0 (see FIG. 8) can be specified, and especially when there is a service message other than information data for a customer during transaction. , The message data can be set.

Thus, the automatic transaction apparatus 2 of the present embodiment
0 is set to the number of the information data selected and referred to by the customer in the transaction request message 32 and transmitted to the center side. By constructing a database for transmitting information for the customer, or by switching the information being displayed to data corresponding to the information data number set in the transaction response message 33, information that matches the taste and taste of the customer Or can be provided automatically.

When a service message is set in the transaction response message 33, the service message can be provided to the customer together with the information data. [E] Description of Data Download from Host to Automatic Transaction Apparatus Next, image data for providing information and a control file (hereinafter, may be referred to as content) from the center host 30 to the automatic transaction apparatus 20 will be described below. The installation (download) will be described with reference to FIGS.

As shown in FIG. 13, in this case, the automatic transaction apparatus 20 sends a request to the center host (server) 30 in consideration of the line quality and the line speed, for example, to an INS-C (B-channel circuit switching) network. And connected via a digital service unit (DSU) 36 or the like. Here, the automatic transaction apparatus 20 and the host 30 are respectively
A communication board 37, a line driver 38, a file transfer unit 39, and the like for performing a desired line (channel) exchange control are provided.

When the automatic transaction apparatus 20 downloads the image data for information provision or the control file from the host 30 of the center, the automatic transaction apparatus 20 first completes the transmission / reception processing of the examination request / examination response message linked to the schedule OFF time. Then, a message requesting the start of download (for example, new message type “8”) is transmitted to the host 30. On the other hand, the host 30 transmits the permission message (for example, “X”) when the download is permitted, and rejects the message (for example, “Y”) when the download is not permitted. 20.

Further, the automatic transaction apparatus 20 is connected to the host 30
If the message received from is a permit message “X”,
A format as shown in FIG.
Extension, (retransmission) sequence number, and data]
A content request message 40 for requesting necessary content is transmitted to the host 30, and a content response message 41 as shown in FIG. Download.

On the other hand, when the message from the host 30 is a rejection message “Y”, the automatic transaction apparatus 20 turns off the power without any content data. Note that, specifically, the transmission / reception sequence at this time is as follows. Content request message transmission (automated transaction device 20 → host 30) Content response message reception (sequence number check when receiving) Content request message transmission about once every 4 packets [Content request message if sequence number is shifted Set the file name, extension, and resending sequence number that caused the sequence deviation to the resending request, and make a resending request.
0) End (Because necessary file information is stored in the initial setting file ("CONTENTS.INI") to be transmitted from the host 30 first, after the file transfer is completed, the power is turned off on the automatic transaction apparatus 20 side. However, a predetermined numerical value is designated as the sequence number only when there is a retransmission sequence, and for example, "00000" is set when there is no retransmission sequence.

In the above example, the content request message 40 is transmitted from the automatic transaction apparatus 20 to the center host 30. For example, the content data is transmitted from the center (host 30) to the automatic transaction apparatus 20. Is transmitted, and if the automatic transaction device 20 is in a state capable of receiving the data, the content response message is transmitted to the host 30.
By returning to, the subsequent data (content data) can be copied (downloaded).

As described above, according to the automatic transaction device 20 described above, the INS-C
And the like, and the installation (or maintenance) of the content data (information data or control file) is performed from the host 30 side. In the case where the same information is provided at the same time, the information can be managed from the host 30 as a whole. Therefore, for example, even when the automatic transaction apparatus 20 is installed nationwide, the information can be installed (or maintained) very easily and quickly.

Here, the communication line 31 is IN
The case where SC is used has been described as an example, but ATM (Async
It is also possible to use a high-speed communication network such as a network (Hronous Transfer Mode). If the directory structure of the disk on the center (host 30) side can be set to the same environment as that of the automatic transaction apparatus 20, the data can be downloaded by a simple file transfer method instead of the electronic message format described above. .

[F] Description of Condition Setting Procedure Next, a specific condition setting procedure performed using the attendant processing unit 24h will be described below. (1) Setting of temporal display conditions First, a temporal display condition setting procedure (transition of the display state on the display unit 21a) performed using the attendant processing unit 24h will be described with reference to FIGS. explain.

For example, confirming / adding / changing / deleting temporal display conditions (time zone, day of week, period, date, etc.) for specifying the timing at which information data (data Di) should be displayed on the display unit 21a. Think. In this case, first, the maintenance / manager (person in charge) of the automatic transaction apparatus 20 performs a predetermined operation on the automatic transaction apparatus 20 such as touching a “condition setting” button through a touch panel.

Then, the automatic transaction apparatus 20 causes the attendant processing section 24h to display a setting screen (contents of the control file Fi and the like) as shown in FIG. 15 on the display unit 21a. Then, the clerk wants to confirm / add / change / delete information (A, B,
(C,...), And selects the information, the attendant processing unit 24h, for example, as shown in FIG.
A display period setting screen (display conditions in the corresponding control file Fi) is displayed on the display unit 21a.

When adding / changing the display period, the attendant touches the number (year / month / day) of the display period (1 to n) to be added / changed, and then displays the display period at the bottom of the screen. By performing a number input operation using the number keys 42 that are displayed, the display period (year xx month xx day xx day to xx
When the display period is to be deleted by inputting the year XX month XX day) and touching the display period (1 to n) to be deleted, all the numbers (year Month) is set to “0”. If the number input operation is erroneous, the input is repeated after touching the cancel key 44.

When the input of the display period is completed (or
If the display period is confirmed), the attendant registers the data by touching the OK key 43. Then, in the automatic transaction apparatus 20, the input data (year, month, day) is output to the corresponding control file Fi through the attendant processing unit 24h, and the display period operation is performed. No operation has been performed on the control file Fi (the same applies hereinafter)], and the next screen (display time setting screen) is displayed on the display unit 21a as shown in FIG.

Further, in the case of adding / changing the display time, the clerk inputs the display time (XX hours and XX minutes) in the same procedure as the above-described setting of the display period. If you want to delete the display period (1 ~ 1
After touching n), all the numbers (hours, minutes) in the period are set to "0" by the numeric keys 42. Also, at this time, if the number input is incorrect, the input is redone after touching the cancel key 44.

Thereafter, when the input of the display time is completed (or when the display time is confirmed), the clerk operates the OK key 4
By touching No. 3, data (hour, minute) registration operation is performed. Then, in the automatic transaction apparatus 20, similarly, the input data is output to the corresponding control file Fi through the attendant processing unit 24h to operate the display time, and the next screen (display) is displayed as shown in FIG. The day setting screen is displayed on the display unit 21a.

Further, when selecting a display day on this setting screen, the attendant selects the day to be selected (Monday to Monday).
Touch the “□” (or “■”) on Sunday to reverse the display state. However, in this case, the display state is “□”, not selected (non-display), and “■”, selected (display). When the display day selection is completed, the clerk touches the OK key 43, and the data (day of the week) is sent to the automatic transaction apparatus 20.
Perform the registration operation of.

In the automatic transaction apparatus 20, the attendant processing section 24h
Through the corresponding control file F
i and the operation of the display day is performed, and the next screen as shown in FIG. 19 (specific display day setting screen), for example.
Is displayed on the display unit 21a. And the clerk
To add / change a specific display date, follow the same procedure to enter the specific display date (XX year XX month XX day) of the information B and delete the specific display date. After touching the specific display date (1-n) you want to delete,
After all the numbers in the period are set to “0” by the numeric keys 42, by touching the OK key 43, the data (year, month, and day) is registered in the automatic transaction apparatus 20.

In the automatic transaction apparatus 20, the attendant processing section 24h
Through the corresponding control file F
i to perform the operation on the specific display day, and change the display screen on the display unit 21a to the initial screen [FIG.
Reference]. In the case where the clerk touches the cancel key 44 in order to cancel the confirmation / addition / change / deletion operation itself during each of the above operations, in any case, the display unit 2
The display screen on 1a returns to the initial screen.

By the above setting operation, information affected by the season, information to be provided only on a specific date, information to be provided only on a specific day of the week, or information only for a specific time zone (for example, only in the evening) It is possible to automatically display desired information on the display unit 2 for a specific period. (2) Transaction / information provision priority reference value setting Next, the transaction / information serving as a reference for operating the automatic transaction apparatus 20 as transaction priority or information provision priority using the attendant processing unit 24h will be described below. A setting operation when setting (changing) the provision priority reference value (see FIG. 8) will be described with reference to FIG.

First, the attendant instructs the automatic transaction apparatus 20 to set (change) the transaction / information provision priority reference value by touching a transaction / information provision priority reference value setting key (not shown). Perform Then, the automatic transaction device 20
The display database 23 is accessed through the attendant processing unit 24h, and a reference value setting screen as shown in FIG. 20, for example, is displayed on the display unit 21a.

The attendant sets the number of transactions per hour to, for example, 0 as the transaction / information provision priority reference value as described above.
Enter within the range of ~ 999. In this case, for example, after touching a part where the number is to be input, the number is input by touching the numeric key 42. If the input is incorrect, the user touches the cancel key 44 and then performs the input again. When the input of the number of transactions is completed, the attendant touches the OK key 43 to perform an operation of registering data (the number of transactions).
Then, the automatic transaction apparatus 20 sets (changes) the transaction / information provision priority reference value by outputting the input data (the number of transactions) to all the management files F0 of the display database 23 through the attendant processing unit 24h.

Note that this setting processing is carried out in item (d) in FIG.
As described above with reference to FIG. 0 to FIG. 12, it is also possible to carry out the transaction response message 33 from the host 30. As described above, according to the automated teller machine 20 of the present embodiment, the attendant processing unit 24h uses the information processing unit 24h to display the information data (display period, display time, display day of the control file Fi, and the reference value in the total management file F0). And the like can be displayed on the display unit 21a, so that the attendant can operate the display conditions in an interactive manner, so that the display conditions set in advance can be checked, and when the display conditions are to be changed / added / deleted, Rather than resetting (inputting) all display conditions again, it is possible to easily change / add / delete necessary display conditions only by operating the preset display conditions on the automated teller machine 20. it can.

In each of the above examples, the input method of the touch panel type is adopted, but the input method is not limited to this. For example, another input method such as a key input method is adopted. In this case, a numeric input or the like is performed by pressing a key. [G] Description of Overall Operation of Automatic Transaction Apparatus Next, the entire operation of the automatic transaction apparatus 20 will be described with reference to FIGS. 23 (steps S1 to S23, S31 to S41) and FIGS.
This will be described with reference to FIG.

(1) Overall Processing First, as shown in FIG. 21, in the automatic transaction apparatus 20, the display database 2 is controlled by the control file processing unit 24e.
3 to search for the data Di and the control file Fi for the data Di, and select menu items (information data Dai to D) to be displayed as the initial screen.
ci: see FIG. 7) (step S1). Then, the control file processing unit 24e refers to the screen division (raster) in all the management files F0 in the display database 23, and cooperates with the transaction processing unit 24d to display the display unit 21a.
As shown in FIG. 24, for example, the display unit 21a splits and displays a guide image (card insertion waiting screen) and selection menu items (display screens) A to C on the same screen as an initial screen. Is controlled (step S2).

At this time, the control file processing unit 24
"e" indicates a higher priority item among the selected menu items A to C on the display unit 21a based on the emphasis data and the value of the emphasis data details (see FIG. 8) set in all the management files F0. If the display state of the display unit 21a is controlled so as to be displayed in a more emphasized manner, it is possible to surely appeal the information to be provided to the customer.

In this state, the transaction processing unit 24d determines whether a transaction medium such as a magnetic card has been inserted into the automatic transaction apparatus 20 by the customer (step S3), and if no card has been inserted (step S3). If it is determined as NO in step S3), it is further determined whether any of the display screens A to C is selected (information selection) through the display unit 21a (touch panel) (step S3).
21).

As a result, when the information is not selected by the customer, that is, when neither the card is inserted nor the information is selected, the transaction processing unit 24d (control file processing unit 24e) maintains the initial screen display processing. (NO route of step S21).
On the other hand, when the card is inserted by the customer (step S3)
Is determined to be YES), the transaction processing unit 24d reads the password, the user code, the branch code, the account number (member number), and the like from the MS unit of the inserted magnetic card.

At this time, if customer-specific information (for example, nationality information) is recorded in the spare field of the MS section, the transaction processing section 24d sets the language mode to the nationality information based on the various files 24b. Switch settings to the appropriate mode. For example, if the nationality information is for English-speaking countries such as the United States and the United Kingdom, the language mode is switched to the English mode.

When there is voice guidance (voice data), the mode of the data is also switched to the one for English (“Please enter your password” → “Push your Person”).
al Identification Number please "etc .: Step S
4). As a result, information according to the customer's nationality (or gender, age, hobby, etc.) is provided in an appropriate language, greatly contributing to the improvement of convenience for the customer. In addition,
In the following, for convenience, the above nationality information is Japan (M
(Including the normal case where nationality information is not recorded in the spare field of the S section).

After the above-described language mode switching processing, the transaction processing unit 24d reads the personal identification number input screen (see FIG. 25) from the transaction database 22 as the next guide image and displays it on the display unit 21a. Prompts the customer to enter a personal identification number. If there is voice guidance (voice data), the user may be prompted to input a personal identification number by voice (step S5).

At this time, the automatic transaction apparatus 20 controls the information A to C by the control file processing unit 24e.
It is determined whether or not the selection has been made by the customer (input waiting process: step S6), and if only the personal identification number has been input (if the information selection has not been made), the transaction processing unit At 24d, a check process is performed to determine whether the input personal identification number matches the personal identification number read from the MS part of the magnetic card (step S7). If they match, the transaction processing unit 24
d displays a money input screen (see FIG. 26) on the display unit 21a as the next guide image (step S8).

At this time, also, the automatic transaction apparatus 20
The control file processing unit 24e performs an information selection input waiting process (step S9).
If the information is not selected (only the amount is input), the transaction processing unit 24d determines whether the input amount is appropriate based on the payable balance or the payment limit recorded in the MS unit. It is checked whether it is (NO route from step S9 to step S10).

If the input amount is appropriate, the transaction processing section 24d displays an amount confirmation input screen (see FIG. 27) on the display unit 21a as the next guide image (step S11). At this time, the control file processing unit 2
4e performs input selection processing of information selection together with confirmation input (step S12). When only the confirmation operation (such as touching confirmation key 45 in FIG. 27) is performed by the customer and the information is not selected (NO in step S12), transaction processing unit 24d sets the confirmation input. Is checked (step S13), and as shown in FIG. 22, a message (transaction request message 32, transaction response message 33:
After performing the transmission / reception processing, the transaction response message 3
Based on the transaction amount and print data in 3, the cash count process, the receipt (transaction details) / journal (history) print process and the like are executed (step S14).

At this time, as described above with reference to FIG.
It is determined whether or not customer information (information data, service message, etc. unique to the customer during the transaction) is specified in step S1.
5) If not specified (if NO is determined in step S15), the introduction log (use frequency file) information is obtained from the various files 24b, and the one with the highest priority is displayed.

At this time, the transaction processing unit 24d causes the display unit 21a to display a calculation-in-progress screen (see FIG. 28) so that the above-described message transmission / reception processing, cash counting processing, receipt journal (history) printing processing, and the like can be performed. The customer is notified that the calculation process is being executed (step S16). Incidentally, during the period in which the customer is waiting for the completion of the processing for the transaction, the information is not displayed in a state of being divided into screens as shown in FIG. 28 (or FIG. 33 described later). Information may be displayed on the entire screen.

Thereafter, when the above-described processing is completed, the transaction processing section 24d displays the magnetic card / receipt release screen (see FIG. 29) as the next guide image on the transaction database 22.
And display the same on the display unit 21a, and actually execute the ejection process of the magnetic card and the receipt,
It is monitored whether or not the customer has removed the magnetic card or receipt (step S17).

When the customer removes the magnetic card and receipt, the transaction processing section 24d sets the cash release screen (see FIG. 30).
Is read from the transaction database 22 and displayed on the display unit 21a, and the cash is actually released.
Further, it is monitored whether or not the cash has been extracted (step S18). When the cash is extracted, the control file processing unit 24e updates the introduction log information acquired from the various files 24b, and according to the information (frequency of use),
Update processing such as replacing the information data Dai to Dci with a low use frequency (reference frequency) (for example, less than 10 for 1000 transactions) with any of the replacement information data Ddi or Dei is performed ( Step S19). As a result, as the automatic transaction apparatus 20 is used, the customer is efficiently provided only with effective information with a large number of referrals, that is, with many references.

In the above step S15, the transaction response message 33 received from the center host 30 contains
If the customer information is specified, the control file processing unit 24e performs the following processing (step S2).
After performing (0), the above-described processing (from step S17) is executed. That is, the control file processing unit 24e
Reads information data corresponding to the information data number specified in the transaction response message 33 from the display database 23 and causes the display unit 21a to display the information data. If service message data is specified as customer information, the message is also displayed in a message column on the screen or the like (YES route from step S15 to step S20).

At this time, the transaction response message 33
Data for changing information (such as transaction / information provision priority standard values)
Is specified, the control file processing unit 24e changes the corresponding data in all the management files F0 or the various files 24h of the display database 23 through the line control processing unit 24g. The above process depends on the customer
This is the case where the information selection operation is not performed at all and only the transaction operation is performed (or when the automatic transaction apparatus 20 operates as an apparatus exclusively for transaction processing (priority) due to congestion as described later). The processing when the information selection operation is performed in parallel with the transaction operation will be described.

First, in step S21 (see FIG. 21), an information selection operation (such as touching one of display screens A to C) is performed by the customer. That is, after the card is inserted, the transaction operation is not performed and the information operation is not performed. When only the selection operation is performed, the automatic transaction apparatus 20 operates as an information providing terminal apparatus, and converts the sub-information of the selected information into
The data is sequentially read from the display database 23 and displayed on the display unit 21a (from the YES route of step S21 to step S22).

In step S6 (or steps S9 and S12: see FIG. 21), for example, when the customer performs an information selection operation in parallel with the transaction operation, the control file processing unit 24e is selected. Information (for example, Information B)
Are sequentially read from the display database 23 and displayed on the display unit 21a in accordance with the transition of the guidance screen (see FIGS. 31 to 35: Step S23 from the NO route of step S6 (or steps S9 and S12)). .

In other words, the user can execute the information selection operation to refine and subdivide the provided information while executing the transaction processing, and can efficiently narrow down the information in parallel with the transaction processing. . When the information data B (sub information) is displayed on the display unit 21a during a period when the customer is waiting for the completion of the processing for the transaction as shown in FIGS. 24
In step e, a display screen decimation process as described later is executed as necessary so that at least those having a higher priority (importance) can be displayed within the time until the process is completed.

If the information selection operation is performed during the transaction as described above, the above-described step S
14 (see FIG. 22), as described above, by setting the number of the information data in the transaction request message 32 to the host 30, the information data is stored in a customer other than the ledger for updating (constructing) the customer database. It can also be provided as additional information (for the next transaction, use it as a database for distributing information for that customer).

Therefore, in this case, the information reference tendency of the customer can be grasped by the customer database (reference status database), and only the information effective for the customer can be efficiently provided in the next transaction. Become. As described above, according to the automatic transaction apparatus 20 of the present embodiment, by displaying information (image data for providing information) and a guidance screen (image data for transaction) simultaneously on the same screen, the user can While performing a normal transaction by the automatic transaction apparatus 20, various information other than the transaction can be provided at the same time. That is, the transaction function and the information providing function can be executed in parallel, and extremely efficient information provision can be performed. I can do it.

(2) Information Selection Processing By the way, in the above processing, the automatic transaction apparatus 20 refers to the information in all the management files F0 before displaying the initial screen (card insertion waiting screen) in the information ( (Information providing screen) is to be displayed. That is, as shown in FIG. 23, the automatic transaction apparatus 20 accesses the display database 23 by the control file processing unit 24e to acquire (GET) information in all the management files F0, and expands the information in the work area 24c. Thereafter (step S31), the timer monitoring processing unit 24f determines whether or not the current time is within the operation time of the apparatus 20 (the time when the original transaction can be performed: for example, the business hours of the caching corner) (step S31). S32).

As a result, if the current time is outside the operating time (if NO is determined in step S32), the timer monitoring processing unit 24f operates the automatic transaction apparatus 20 to operate as an information providing terminal apparatus. An instruction is given to the transaction processing unit 24d to release (stop) the display (output) of the transaction screen (transaction image data) (step S33), and that effect (no transaction information) is set in the various files 24b. (Step S34).

On the other hand, when the current time is within the operation time (when YES is determined in step S32), the timer monitoring processing unit 24f notifies the control file processing unit 24 of the fact.
e, and the control file processing unit 24e determines whether there is information data (data Di) to be displayed by accessing the display database 23 (step S35).

If there is no information data to be displayed (NO in step S35), the control file processing unit 24e sets that fact (no information) in the various files 24b (step S36). If there is information data to be displayed (YES in step S35), the control file processing unit 24e further refers to the information of all the management files F0 developed in the work area 24c to provide transaction / information provision. The priority reference value (see FIG. 8) is obtained (step S37), and the congestion state determination mechanism determines whether the number of transactions per hour exceeds this reference value (that is, the congestion state) (step S38). ).

As a result, if the number of transactions per hour exceeds the reference value (congested) (if NO is determined in step S38), the control file processing unit 24e stores the various files 24b. By setting to that effect (no information), the information providing screen is released and the normal transaction processing is prioritized while it is determined that the congestion is present (step S36).

On the other hand, if the number of transactions per hour does not exceed the reference value (if YES is determined in step S38), the control file processing unit 24e reads the information in the control file Fi from the display database 23. Acquired (step S39), data Di (information data Dai to D) satisfying the display conditions (temporal display conditions)
It is determined whether or not ci) exists (step S40).

If there is no data Di that satisfies the temporal display condition (if NO is determined in step S40), the control file processing unit 24e sets that fact (no information) in the various files 24b, The provision screen is released (step S36). When there is data Di that satisfies the temporal display condition (when it is determined to be YES in step S40), the control file processing unit 24e determines the display priority when the number of the corresponding data Di and the display condition are duplicated ( By setting (priority) in the various files 24b, the data Di (information data Dai to Dci) is displayed together with the guidance screen (transaction image) thereafter (step S41).

As described above, according to the above-described automatic transaction apparatus 20, the display of the information providing image data Di is stopped when the user who conducts the transaction is congested, so that the automatic transaction apparatus 20 can perform normal transactions. Is used only for transactions that should be conducted without delay,
Smooth operation becomes possible. Further, since the transaction is performed during the transaction time (or the transaction and the information provision), and the information provision is performed outside the transaction time, the automatic transaction apparatus 20 is switched to the information provision terminal outside the transaction time. It can be used very effectively as a device.

Further, as described above with reference to FIGS. 15 to 19, only by setting in advance the temporal display conditions such as the period during which information is to be provided, the image data Di is automatically displayed for a specific period in the display unit 21a. , And information can be efficiently provided to the user only during a specific period. (3) Screen (Information Data) Thinning-Out Processing As described above, the automatic transaction apparatus 20 transmits the information data (information-providing image data Di) while the customer is waiting for the completion of the processing for the transaction. ) Is displayed on the display unit 21a, the control file processing unit 24e performs the processing as necessary based on the importance / display time table 46 set in the control file Fi for data Di as shown in FIG. 36, for example. The display screen (information). Note that FIG.
, The smaller the numerical value, the higher the importance.

Hereinafter, the thinning process will be described with reference to the flowchart (steps S51 to S55) shown in FIG. First, the control file processing unit 24e
Calculates the transaction processing time until the processing is completed by, for example, the following equation (1) (step S51), and the transaction processing time when all information is displayed [full display time: information in FIG. A to H
Is longer than the total display time (36 seconds)], that is, whether all information (information A to H for 36 seconds) can be displayed within the calculated processing time (step S52). ).

Transaction processing time = internal processing time + center communication time + cash counting time (1) The above-mentioned internal processing time and center communication time are calculated for the last ten transactions held in various files 24b. It is calculated based on the average value of the processing time, and the cash counting time is calculated based on the designated amount. As a result, if the transaction processing time is longer than the full display time (36 seconds or more) and all the information can be displayed within the processing time (when YES is determined in step S52), the control file processing unit 24e For example, as shown in FIG. 39, regardless of the importance of each of the information A to H, all the information A to H are sequentially displayed on the display unit 21a in parallel with the transaction processing (step S54). In addition,
When the transaction processing is completed, the transaction processing unit 24d executes the magnetic card, receipt, and cash (banknote) discharge processing as described above (step S55).

On the other hand, if the transaction processing time is shorter than the full display time (for example, 25 seconds) and all information cannot be displayed within the processing time (if NO is determined in step S52), the control file The processing unit 24e selects information to be displayed while adding display times in descending order of importance. As a result, in the importance / display time table 46, information D and E (4 seconds + 6 seconds) of low importance are thinned out, for example, as shown in FIG.
(Step S53).

The control file processing unit 24e controls the display of the display unit 21a based on the importance / display time table 46 shown in FIG. 38B, so that, for example, as shown in FIG. The information D and E indicated by the hanging part are thinned out, and the other information A to C and F to H are sequentially displayed in parallel with the transaction processing (step S54). When the transaction processing is completed, the transaction processing unit 24d executes a magnetic card, receipt, and cash (banknote) discharge processing (step S55). As described above, the automatic transaction apparatus 20 thins out information according to the processing time of the transaction processing, so that even if the processing time is short, the information is reliably provided to the user according to the importance. be able to.

As described above, according to the automatic transaction apparatus 20 of the present embodiment, the display unit 21 (display unit 21
In a), an image for providing information other than the guide image for the original transaction can be displayed.
It can be effectively used as a terminal device for providing various information. [H] Others In the above-described embodiment, the various functions as the information providing terminal device are applied to the automatic transaction apparatus 20 such as an ATM or a CD. It is also possible to apply the present invention to the information providing terminal itself for providing guidance and the like, and in this case, the following advantages are obtained as in the above-described embodiment.

(1) By replacing information data with a small number of introductions with other information data, only effective information with a large number of introductions, that is, with a large number of referrers, is provided, and only information that is valid for the user is efficiently used. Can be provided. (2) When the same information is simultaneously provided to the user by the information providing terminal devices installed at a plurality of locations, the content request message 40 and the content response message 41 are provided.
The information can be managed (installed / maintained) from the host device such as the host 30 by the transmission / reception process (see FIG. 14) or the file transfer process. Therefore, for example, even when the information providing terminal device is installed nationwide, the information can be installed / maintained extremely easily and quickly.

(3) Since the information reference tendency of the user can be grasped by the customer database (reference status database), only the information effective for the user can be efficiently provided.

[0138]

As described above, according to the automatic transaction apparatus of the first invention, the following operations and effects can be obtained. (1) Information display image data other than the guide image can be displayed on the display unit, and can be effectively used not only for transactions but also as a terminal device for providing various information. 15).

(2) Just by setting in advance the temporal display conditions such as the period in which information should be provided, the image data can be automatically displayed on the display unit only for a specific period, and the information can be displayed to the user. Can be efficiently provided only for a specific period (claim 2). (3) By using the attendant processing mechanism, display conditions set in advance can be confirmed. When the display conditions are to be changed, added, or deleted, the display conditions set in advance are not set again but all are set again. It is possible to easily change, add, or delete the condition only by operating the condition on the apparatus (claim 3).

(4) By displaying the image data for information provision and the image data for transaction at the same time on the same screen, the user can simultaneously perform ordinary transactions with the automatic transaction device and simultaneously provide information other than transactions. Can receive
The transaction function and the information providing function can be executed in parallel, and extremely efficient information provision can be performed (claim 4). (5) Since the user can execute the detailed and subdivided information provided while executing the transaction processing, the user can efficiently narrow down the information in parallel with the transaction processing.

(6) The information provider can highlight the selected menu item according to the importance of the information, and can surely appeal the user to the information to be provided without fail. 6). (7) By thinning out the image data for information provision (information screen) in accordance with the processing time, even if the processing time is short, it is possible to reliably provide the information in accordance with the importance (claim 7).

(8) By providing information in accordance with user-specific information recorded in advance on a transaction medium, for example, information corresponding to the user's nationality, gender, age, hobbies, etc.
It can be provided in an appropriate language, greatly improving the convenience for the user (claim 8). (9) Similarly, by displaying a guide image for a transaction according to the user-specific information recorded in advance in the transaction medium, the guide information is displayed in an appropriate language according to, for example, the nationality of the user. It is possible to improve the convenience for the user (claim 9).

(10) When the user who conducts the transaction is crowded, the display of the image data for information provision is stopped, so that the automatic transaction apparatus is used only for the ordinary transaction. The operation is performed without delay, and smooth operation is enabled (claim 10). (11) The transaction (or transaction and information provision) is performed within the transaction time, while the information provision is switched outside the transaction time, so that the automatic transaction apparatus can be used to provide information outside the transaction time. It can be used very effectively as a terminal device (claim 11).

(12) By replacing the information providing image data with a small number of introductions with other information providing image data, only effective information with a large number of introductions, that is, with many references is provided, and Only valid information can be efficiently provided (claim 12). (13) In a case where the same information is simultaneously provided to the user by the automatic transaction devices installed at a plurality of locations, the information can be managed (installed / maintained) comprehensively from a higher-level device. Therefore, for example, even when the apparatus is installed nationwide, the information can be installed / maintained very easily and quickly (claim 13).

(14) Since the information reference tendency of the user can be grasped from the reference situation database, only the information effective for the user can be efficiently provided (claim 14). (15) By sharing the display control unit for transaction and the display control unit for providing information, it is not necessary to provide two display control units of different functions, and the apparatus can be configured extremely simply. 15).

According to the information providing terminal device of the second invention, by replacing the information providing data with a small number of introductions with another information providing data, the effective information with a large number of introductions, that is, with a large number of referrers, is obtained. Only the effective information can be efficiently provided to the user (claim 16). Further, according to the information providing terminal device of the third invention, when the same information is simultaneously provided to the user by the devices installed at a plurality of locations, the information is comprehensively managed from the higher-level device ( Installation / maintenance). Therefore, for example, even when the apparatus is installed nationwide, the information can be installed / maintained very easily and quickly (claim 17).

According to the information providing terminal device of the fourth invention, since the user's information reference tendency can be grasped by the reference status database, only information effective for the user can be efficiently provided ( Claim 18).

[Brief description of the drawings]

FIG. 1 is a principle block diagram of the first invention.

FIG. 2 is a principle block diagram of the second invention.

FIG. 3 is a principle block diagram of the third invention.

FIG. 4 is a principle block diagram of the fourth invention.

FIG. 5 is a block diagram showing the overall configuration of an automatic transaction device (information providing terminal device) as one embodiment of the present invention.

FIG. 6 is a diagram illustrating a configuration of a display database according to the embodiment.

FIG. 7 is a diagram for describing a detailed configuration of image data for information provision in the display database according to the embodiment;

FIG. 8 is a diagram illustrating a detailed configuration of all management files in a display database according to the embodiment.

FIG. 9 is a diagram showing an example of a data format of a general magnetic card (MS unit).

FIG. 10 is a diagram for explaining communication between the automatic transaction apparatus of the present embodiment and a center.

FIG. 11 is a diagram showing an example of a format of a message used at the time of communication between the automatic transaction apparatus and the center according to the embodiment;
(A) is a diagram showing a transaction request message, and (b) is a diagram showing a transaction response message.

FIG. 12 is a diagram showing a format example of information data set in a transaction response message according to the embodiment.

FIG. 13 is a diagram for explaining data download to the automatic transaction apparatus of the present embodiment.

FIGS. 14A and 14B are diagrams showing an example of a format of a message used at the time of data download according to the embodiment, wherein FIG. 14A is a diagram showing a content request message, and FIG. 14B is a diagram showing a content response message.

FIG. 15 is a diagram illustrating a procedure for setting conditions (temporal display conditions) in the automatic transaction apparatus according to the embodiment.

FIG. 16 is a diagram for explaining a procedure for setting conditions (temporal display conditions) in the automatic transaction apparatus according to the embodiment.

FIG. 17 is a diagram illustrating a procedure for setting conditions (temporal display conditions) in the automatic transaction apparatus according to the embodiment.

FIG. 18 is a diagram illustrating a procedure for setting conditions (temporal display conditions) in the automatic transaction apparatus according to the embodiment.

FIG. 19 is a diagram illustrating a procedure for setting conditions (temporal display conditions) in the automatic transaction apparatus according to the embodiment.

FIG. 20 is a view for explaining a condition (reference value) setting procedure in the automatic transaction apparatus according to the embodiment.

FIG. 21 is a flowchart for explaining the overall operation of the automatic transaction apparatus of the present embodiment.

FIG. 22 is a flowchart for explaining the overall operation of the automatic transaction apparatus of the present embodiment.

FIG. 23 is a flowchart for explaining the overall operation of the automatic transaction apparatus of the present embodiment.

FIG. 24 is a diagram showing an example of a screen display for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 25 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 26 is a diagram showing an example of a screen display for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 27 is a diagram showing an example of a screen display for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 28 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 29 is a diagram showing an example of a screen display for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 30 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus of the present embodiment.

FIG. 31 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 32 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 33 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 34 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus according to the embodiment.

FIG. 35 is a diagram showing a screen display example for explaining the overall operation of the automatic transaction apparatus of the present embodiment.

FIG. 36 is a diagram illustrating an example of an importance / display time table used in the thinning processing according to the embodiment.

FIG. 37 is a flowchart illustrating a thinning-out process of the automatic transaction apparatus according to the present embodiment.

FIGS. 38A and 38B are diagrams for explaining the state transition of the importance / display time table at the time of the thinning processing according to the embodiment.

FIG. 39 is a diagram illustrating an example of a display screen transition for describing a thinning process according to the embodiment.

FIG. 40 is a diagram illustrating an example of a display screen transition for describing a thinning process according to the present embodiment.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 1A-1C Information provision terminal device 2 Display part 2A-2C Information output part 3 Transaction database 4 Transaction display control part 5, 5A-5C Information provision database 6 Information provision display control part 6A-6C Information provision control unit 7A to 7C Selection input unit 8 Introduction log 9 Host device 10, 31 Communication line 11 Reference status database 20 Automatic transaction device (information provision terminal device) 21 Display unit 21a Display unit 21b Display memory 22 Transaction database 23 Display database (data base for information provision) 24 Processing part 24a CPU 24b Various files 24c Work area 24d Transaction processing part (display control part for transaction) 24e Control file processing part (display control part for information provision,
Information provision control unit, congestion state determination mechanism) 24f timer monitoring processing (timer mechanism) 24g line control processing unit 24h clerk processing unit (clerk processing mechanism) 25 input unit (selection input unit) 30 host (server, host device) 32 transaction Request message 33 Transaction response message 34 Header section 35 Data section 36 Digital service unit (DSU) 37 Communication board 38 Line driver 39 File transfer section 40 Content request message 41 Content response message 42 Numeric key 43 OK key 44 Cancel key 45 Confirmation key 46 Importance / display time table

Claims (18)

[Claims] 1. A display unit for displaying a guide image to be referred to when a user conducts a transaction, a transaction database holding transaction image data to be displayed as the guide image, and the transaction database An automatic transaction apparatus comprising: a transaction display control unit that controls a display state of the display unit so that the transaction image data is displayed on the display unit as the guide image; information other than the transaction image data; An information providing database that holds the providing image data and control data including display conditions when displaying the image data, reading the information providing image data and the control data from the information providing database, and controlling the information providing database An information providing device that controls a display state of the display unit so that the information providing image data is displayed on the display unit according to a display condition in the data; Characterized in that includes a display control unit, an automatic teller machine. 2. The display condition is a temporal display condition for specifying a timing at which the information providing image data is displayed on the display unit, and it is determined whether a current time satisfies the temporal display condition. A timer mechanism for determining that the current time satisfies the temporal display condition, the information providing display control section causes the information providing image data to be displayed on the display section. 2. The automatic transaction apparatus according to claim 1, wherein a display state of the display unit is controlled. 3. A clerk processing mechanism for enabling a clerk to operate the display condition in an interactive manner while displaying the display condition on the display unit.
Or the automatic transaction device according to claim 2. 4. The display control unit for information provision cooperates with the display control unit for transaction to simultaneously display the image data for information provision together with the image data for transaction on the same screen on the display unit. 4. The automatic transaction apparatus according to claim 1, wherein the display state of the display unit is controlled as described above. 5. The information providing image data includes a selection menu item for narrowing down display information on the display unit, and the information providing display control unit changes the selection menu item according to the progress of the transaction. The display state of the display unit is controlled so as to be displayed on the display unit, and a user selects a predetermined item from the selection menu items on the display unit and displays image data of the predetermined item on the display unit. 5. The automatic transaction apparatus according to claim 4, further comprising a selection input unit for giving an instruction to the display control unit for providing information so as to cause the display. 6. A priority of the selected menu item is set in advance as the display condition for each item, and the information providing display control unit displays the item of the high priority among the selected menu items on the display unit. 6. The automatic transaction apparatus according to claim 5, wherein a display state of the display unit is controlled so as to be displayed more emphasized than other items. 7. A priority and a display time of an information screen displayed as the information providing image data are preset as the display condition for each information screen, and a user waits for completion of the processing for the transaction. In the case where the information providing image data is displayed on the display unit during a period of time, the information providing display control unit calculates a processing time until the processing is completed, and completes the display within the processing time. The information screens that can be selected are selected while adding the display time in the descending order of the priority, and the display on the display unit is displayed so that the selected information screen is displayed as the information providing image data on the display unit. The automatic transaction apparatus according to any one of claims 1 to 6, wherein the state is controlled. 8. An information providing image data corresponding to the user-specific information, wherein the user-specific information is recorded in advance in a transaction medium inserted by the user at the time of the transaction and stored in the information providing database. The information provision display control unit reads out information provision image data corresponding to the user-specific information in the transaction medium from the information provision database, and stores the information provision image data. 8. The automatic transaction apparatus according to claim 1, wherein a display state of the display unit is controlled so as to be displayed on the display unit. 9. A system in which user-specific information is recorded in advance in a transaction medium inserted by a user at the time of the transaction, and transaction image data corresponding to the user-specific information is previously stored in the transaction database. The transaction display control unit reads the transaction image data corresponding to the user-specific information in the transaction medium from the transaction database, and displays the transaction image data on the display unit. 9. The automatic transaction apparatus according to claim 1, wherein the display state of the display unit is controlled as described above. 10. A congestion state discrimination mechanism for discriminating a congestion state in which the number of transactions per unit time has increased, and when the congestion state discrimination mechanism determines that a congestion state has occurred, the display for information provision is provided. A control unit stops displaying the information providing image data.
The automatic transaction device according to claim 9. 11. The display unit so that only the information provision display control unit operates to display the information provision image data on the display unit outside the transaction time when the transaction display control unit does not operate. The automatic transaction device according to any one of claims 1 to 10, wherein a display state of (i) is controlled. 12. The introduction count of the user is retained as an introduction log for each of the selected menu items, and the information provision display control unit refers to the introduction count retained in the introduction log and introduces the information. The display state of the display unit is controlled so that the information providing image data of the item with a small number of times is replaced with another information providing image data and displayed on the display unit. Item 7. The automatic transaction device according to Item 6. 13. The communication device is connected to a host device via a communication line so that installation or maintenance of the information providing image data or the control data is performed from the host device. Item 1
The automatic transaction device according to claim 12. 14. A reference status database for holding a reference status of the information-providing image data for each user, provided in the device or in a higher-level device communicably connected via a communication line. The display control unit refers to the reference situation by the user in the reference situation database based on the user identification information recorded on the transaction medium inserted by the user at the time of the transaction, and responds to the reference situation. The information providing image data is read from the information providing database, and a display state of the display unit is controlled so that the information providing image data is displayed on the display unit. 14. The automatic transaction device according to any one of 13. 15. The transaction display control unit and the information provision display control unit are shared, and the functions of these two display control units are realized by one display control unit. The automatic transaction device according to any one of claims 1 to 14. 16. An information output unit for outputting information to provide information to a user, an information providing database for holding information providing data on information to be output from the information output unit, An information provision control unit that controls an operation state of the information output unit so as to output provision data from the information output unit; and an information provision unit that selects an item of information requested by the user for introduction and provides information about the item. A selection input unit for giving an instruction to the information provision control unit to output data from the information output unit, the information provision terminal device comprising: The information provision control unit refers to the number of introductions held in the introduction log, and stores information provision data for an item having a small number of times in another information provision data. Recombinant and controlling the operation status of the information output unit to be output from the information output unit, the information providing terminal device. 17. An information output unit for outputting information to provide information to a user, an information providing database for holding information providing data on information to be output from the information output unit, and the information An information provision control unit that controls an operation state of the information output unit so as to output provision data from the information output unit; and an information provision unit that selects an item of information requested by the user for introduction and provides information about the item. An information providing terminal device having a selection input unit for giving an instruction to the information providing control unit to output data from the information output unit; Connected,
Installation or maintenance of the information providing data is performed from the host device side,
Information providing terminal device. 18. An information output unit for outputting information to provide information to a user, an information providing database for holding information providing data on information to be output from the information output unit, and An information provision control unit that controls an operation state of the information output unit so as to output provision data from the information output unit; and an information provision unit that selects an item of information requested by the user for introduction and provides information about the item. An information providing terminal device having a selection input unit for giving an instruction to the information providing control unit to output data from the information output unit, when a user can be specified at the time of providing information, A reference status database holding a reference status of the information providing data for each user is provided in the device or in a higher-level device communicably connected via a communication line. A providing control unit that refers to the reference situation by the identified user in the reference situation database, reads information providing data corresponding to the reference situation from the information providing database, and reads the information providing data into the information providing database; An information providing terminal device, wherein an operation state of the information output unit is controlled so as to output from the information output unit.