JP4946271B2 - Automatic transaction apparatus and reception processing system using the same - Google Patents

Description

  The present invention relates to a reception processing system for transferring a customer to a counter transaction when processing at a counter occurs in a transaction with an automatic transaction apparatus operated by a customer.

The conventional reception processing system displays a screen that asks the automatic transaction device to wait for reception at the window when it is necessary for the transaction at the window for some reason when the customer is trading with the automatic transaction apparatus, When the customer selects waiting for reception, the automatic transaction apparatus receives a reception number from the reception terminal of the window and issues a reception number tag on which the reception number is printed (for example, see Patent Document 1).
JP 2005-222347 A (paragraph “0014” -paragraph “0015”, FIG. 2)

  However, in the conventional technology described above, since the customer is simply asked to wait for the reception, the customer cannot know how many people are waiting for the reception, and the customer receives the reception number tag. But when you move to the counter side, look at the electric bulletin board that displays the receipt number that leads to the counter, and if it is not convenient because you decide that it will take some time until your turn, do not do the counter transaction Since there is a case of leaving the store, processing for issuing the receipt number tag is wasted on the automatic transaction apparatus side, and the reception side calls the receipt number of the customer who has already left, resulting in poor business efficiency. There is a problem that it ends up.

  An object of the present invention is to provide means for solving the above problems.

In order to solve the above-mentioned problems, the present invention has an automatic transaction apparatus in which a reception processing system has a card read / write unit that prints a transaction result on a receipt, and executes a transaction by a customer's operation, and a reception transaction transaction number And a server for managing the number of waiting persons waiting for window transactions, and when the transaction to be performed at the window occurs in the transaction at the automatic transaction apparatus, the automatic transaction apparatus waits for window transactions from the server. To display a screen asking whether or not to perform the counter transaction, and when receiving an input indicating that the counter transaction is performed, the receipt number is acquired from the server, and the card read / write unit The transaction content selected by the customer is printed at the top of the receipt, and a receipt number tag with the receipt number printed at the bottom is issued.

  As a result, the present invention displays the number of people waiting at the current window when there is a process performed at the window in the transaction with the automatic transaction apparatus, so for the customer, after estimating the waiting time until the window transaction is performed It is possible to appropriately determine whether or not to receive the reception number tag, and it is possible to prevent the customer from leaving the store while receiving the reception number tag at the counter side, so that an effect of improving business efficiency can be obtained.

  Embodiments of a reception processing system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram illustrating a reception management system according to the first embodiment.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a sales office of a financial institution and automatically performs a transaction with a customer. 2 is a control unit, and the automatic transaction apparatus 1 according to a control program stored in a storage unit 3. In addition to having a function of performing various transactions by controlling each unit of the above, the communication unit 4 is used to communicate with the host computer 12 via the LAN 9 and the communication control device 10.

The storage unit 3 stores a control program and stores a processing result by the control unit 2 and the like.
Reference numeral 5 denotes a display operation unit, which is composed of a display unit such as an LCD or CRT, and an operation unit such as a touch panel arranged on the display unit. It is possible to input the information defined in the input key by pressing the input key with a finger from the touch panel, and the display unit also displays the input information etc. It has become.

A card read / write unit 6 has a function of reading and writing card information with respect to a magnetic stripe provided on a customer's transaction card, and a function of printing a transaction result with a customer on a receipt.
The card read / write unit 6 has a function of printing the receipt number received by the automatic transaction apparatus 1 from the receipt number management server 30 on a receipt and issuing it to the customer as a receipt number tag.

Reference numeral 7 denotes a cash deposit / withdrawal unit, which performs a cash deposit / withdrawal process associated with a transaction, and includes a banknote deposit / withdrawal machine that handles banknotes and a coin deposit / withdrawal machine that handles coins.
Reference numeral 8 denotes a passbook handling unit, which has a function of reading and writing passbook information recorded in the magnetic stripe of the inserted customer's passbook and writing the transaction contents and the like in the customer's passbook.
The passbook information includes a financial institution code, a branch code, an account number, the date when the last entry was made, its page, the last line, and the like.

The host computer 12 manages customer account information such as the name, account number, financial institution code, branch code, personal identification number, unregistered data, and account balance of each customer who has opened an account.
Reference numeral 15 denotes a customer reception terminal, which is installed in a store of a financial institution and performs store reception processing such as issuance of reception number tags to customers.

Reference numeral 16 denotes a reception control unit, which has a function of controlling each unit of the customer reception terminal 15 in accordance with a store visit processing control program stored in the reception storage unit 17 and is connected to the automatic transaction apparatus 1 via the LAN 8.
The reception storage unit 17 stores a control program for store visit processing, and also stores processing results by the reception control unit 16.

Reference numeral 18 denotes a reception printing unit, which has a function of printing a number representing the order of reception on a reception number tag.
Reference numeral 20 denotes a window terminal, which is installed at the window of the store, and includes a display unit and an operation unit (not shown), a card processing unit that reads and writes a customer's transaction card, a bankbook handling unit that handles a customer's bankbook, cash associated with transactions A cash deposit / withdrawal department, etc., that performs the deposit / withdrawal processing, etc., and handles counter transactions with customers by operating the counter staff.

A window control unit 21 has a function of controlling each unit of the window terminal 20 in accordance with a window transaction processing control program stored in the window storage unit 22.
The window storage unit 22 stores a control program for window transaction processing, and stores a processing result and the like by the window control unit 21.
A reception number management server 30 is connected to the automatic transaction apparatus 1, the customer reception terminal 15, and the counter terminal 20 via the LAN 9, and receives a reception number in response to a request for the reception number from the automatic transaction apparatus 1 or the customer reception terminal 15. Is stored and the reception number is stored, and transmitted to the automatic transaction apparatus 1 and the customer reception terminal 15.

In addition, the reception number management server 30 has a function of grasping and managing the number of customers waiting for a counter transaction by receiving the reception number at which the counter transaction with the customer is completed from the counter terminal 20.
The operation of the above-described configuration will be described according to the steps indicated by S using the flowchart showing the operation of the reception management system of the first embodiment shown in FIG.

Here, a case where a customer performs passbook entry with the automatic transaction apparatus 1 will be described as an example.
S1, the control unit 2 of the automatic transaction apparatus 1 displays a transaction selection screen in which various transaction selection buttons are arranged on the display / operation unit 5 and is on standby, and the customer selects a passbook entry transaction selection button from the transaction selection screen. Recognizes that is pressed.
S2, the control unit 2 displays a guidance screen for prompting insertion of a passbook on the display operation unit 5, and when the customer inserts the passbook according to the guidance screen, the passbook handling unit 8 reads the passbook information from the magnetic stripe of the passbook, A request for acquiring the registered contents with the financial institution code, branch code, account number, etc. of the passbook information is transmitted to the host computer 12 via the LAN 9 and the communication control device 10 by the communication unit 4.

The host computer 12 reads customer account information managed based on the financial institution code, branch code, and account number of the received book content acquisition request, and stores the unbooked data of the customer account information via the communication control device 10. To the automatic transaction apparatus 1.
S <b> 3, the control unit 2 starts the passbook entry by the passbook handling unit 8 based on the unbooked data received from the host computer 12.

S4, the control unit 2 proceeds to step S6 when an error such as being unable to write to the magnetic stripe occurs during the passbook entry and the transaction cannot be performed anymore and the transaction is stopped. If no error occurs during the passbook entry, the process proceeds to the next step S5.
S5, the control unit 2 performs a passbook transaction as usual, displays a screen indicating that the passbook has been completed on the display operation unit 5, and returns the inserted passbook to the customer.

S6, when an error occurs in the above step S4, the control unit 2 confirms that the current time is the reception time of the window by a clock (not shown), and then sends a waiting number confirmation request via the LAN 9 by the communication unit 4. It is transmitted to the receipt number management server 30.
When receiving the waiting number confirmation request, the reception number management server 30 reads the waiting number of the counter transaction being managed and transmits the waiting number to the automatic transaction apparatus 1 via the LAN 9.

Here, FIG. 3 is an explanatory diagram illustrating a window for waiting for reception of a window according to the first embodiment.
S7, when the control unit 2 receives the waiting number, the display operation unit 5 displays “Sorry, it cannot be handled. After the transaction at the ATM is over, the bankbook is reissued at the counter. "We are waiting for 5 people now." And so on, it is not possible to continue the transaction with the automatic transaction apparatus 1 or to ask the continuation of the transaction to be done at the window, the order of the window transaction A window for waiting for a receptionist is displayed, which includes a word indicating the number of waiting persons, etc., and a “Yes” key and a “No” key for selecting whether or not to perform a window transaction.

The customer can decide whether to wait for a transaction at the window or return without waiting by looking at the display of the waiting number on the window for waiting for reception desk selection.
Then, the customer determines that the customer can wait for the counter transaction, and presses the “Yes” key.
S <b> 8, the control unit 2 transmits a reception number acquisition notification to the reception number management server 30 via the LAN 9 when the “Yes” key is pressed by the customer.

Upon receipt of the receipt number acquisition notification from the automatic transaction apparatus 1, the receipt number management server 30 assigns the latest receipt number and transmits the receipt number to the automatic transaction apparatus 1 via the LAN 9.
Here, FIG. 4 is a print example showing the receipt number tag of the first embodiment.
S9, when the control unit 2 receives the receipt number, the card read / write unit 6 indicates the transaction date, bank number (financial institution code), branch number (branch code), and interrupted transaction as shown in FIG. Print the receipt number tag with transaction details, subject, account number, transaction classification, receipt number, etc., issue it to the customer, return the inserted passbook and move to the counter with the receipt number tag A guidance screen that guides the user to perform is displayed on the display operation unit 5.

If the “No” key is pressed in step S7, the control unit 2 returns the inserted passbook to the customer, and displays a screen prompting the display operation unit 5 to conduct transactions at a later date. finish.
As described above, in the present embodiment, when a transaction is performed at an automatic transaction apparatus, when the transaction is temporarily stopped and the continuation is performed at the window, the number of people waiting at the current window is displayed on the display operation unit of the automatic transaction apparatus. Since the customer can select whether or not to perform window transaction after displaying, the customer can appropriately determine whether to receive the receipt number tag after estimating the waiting time until window transaction, and the window accepts the receipt number It is no longer necessary to call the customer's reception number who has left the store while receiving the bill, and the work efficiency can be improved.

  In addition, by displaying the waiting number, the customer can grasp the approximate waiting time, so if the customer wants to use the automatic transaction device for another transaction, if there is a time until it is called, the reception number Since another transaction can be completed with the automatic transaction apparatus after the tag is received, the waiting time can be efficiently used for the customer.

FIG. 1 is a block diagram illustrating a reception management system according to the first embodiment. The flowchart which shows operation | movement of the reception management system of Example 1. Explanatory drawing which shows the counter reception waiting selection screen of Example 1 Example of printing showing the receipt number tag of Example 1

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Control part 3 Memory | storage part 4 Communication part 5 Display operation part 6 Card read / write part 7 Cash deposit / withdrawal part 8 Passbook handling part 9 LAN
DESCRIPTION OF SYMBOLS 10 Communication control apparatus 12 Host computer 15 Customer reception terminal 16 Reception control part 17 Reception storage part 18 Reception printing part 20 Window terminal 21 Window control part 22 Window storage part 30 Reception number management server

Claims (2)

It has a card read / write unit that prints transaction results on receipts, and includes an automatic transaction device that executes transactions by customer operations, and a server that manages the reception number of window transactions and the number of waiting people waiting for window transactions,
When processing at the window occurs at the time of the transaction at the automatic transaction apparatus, the automatic transaction apparatus acquires the waiting number of window transactions from the server and determines whether to perform the window transaction with the waiting number. Display the inquiry screen, get the receipt number from the server when accepting the input to the counter transaction , print the transaction content selected by the customer on the top of the receipt from the card read / write unit, A reception processing system for issuing a reception number tag having the reception number printed at the bottom . It is an automatic transaction device that has a card read / write unit that prints transaction results on receipts, and that connects to a server that manages the reception number of the counter transaction and the number of people waiting for the counter transaction, and executes transactions by customer operations. And
When the processing performed at the window in the transactions occur, from the server to get the waiting number of counter transactions, it displays a screen for asking whether to perform the wait number and counter transactions, the effect of performing the window transactions When the input is accepted, the receipt number is obtained from the server, and from the card read / write unit, the transaction content selected by the customer is printed at the top of the receipt, and the receipt number tag with the receipt number printed at the bottom. An automatic transaction apparatus characterized by issuing.