JP6477668B2 - Automatic transaction apparatus and automatic transaction system - Google Patents

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction method, and a program.

  Recently, automatic transaction apparatuses represented by ATM (Automated Teller Machine) of financial institutions are installed in various places such as banks, station premises, and convenience stores. The customer can perform transactions such as deposit, withdrawal and balance inquiry by performing various operations on the display screen displayed on the automatic transaction apparatus.

  By changing the software of the automatic transaction apparatus to new software, it becomes possible for the automatic transaction apparatus to support a new function (new transaction). For example, Patent Document 1 discloses updating of software of an automatic transaction apparatus.

JP 2006-119897 A

  However, the above-described software change is realized by development of new software and installation or distribution to each automatic transaction apparatus. For this reason, it takes a considerable time and cost to change the software.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is a new and improved automatic operation capable of improving the expandability of transactions performed in an automatic transaction apparatus. A transaction apparatus, an automatic transaction method, and a program are provided.

In order to solve the above problems, according to an aspect of the present invention, includes a communication unit which is connected to the accounting server and the Web server, a display unit for displaying the transaction selection screen, said communication unit, the Based on the selection of the first transaction on the transaction selection screen, communication with the accounting server for execution of the first transaction is performed, and customer information and transaction information about the customer in the first transaction. To the Web server, and receives a Web page for the second transaction from the Web server based on the selection of the second transaction on the transaction selection screen. When the information is received, an automatic transaction apparatus is provided that transmits the information on the specific customer to the terminal of a financial institution staff .

  The communication unit performs communication for customer authentication with the accounting server based on the selection of the second transaction, and the display unit displays the Web page received by the communication unit. It may be displayed after successful authentication.

  The display unit may display a transaction end screen for guiding the end of the transaction based on the fact that the communication unit has received the notification of the end of the second transaction from the Web server.

  The communication unit continuously monitors the connection state with the web server, and the display unit terminates the display of the web page based on the disconnection between the communication unit and the web server. May be.

In order to solve the above problems, according to another aspect of the present invention, there is provided an automatic transaction system having an automatic transaction apparatus, a billing server, a Web server, and a terminal used by a staff of a financial institution, The transaction apparatus includes a communication unit connected to the accounting server and the Web server, and a display unit that displays a transaction selection screen, and the communication unit selects a first transaction on the transaction selection screen. Communication with the accounting server for execution of the first transaction based on the transaction information, transmitting customer information and transaction information about the customer to the Web server during the first transaction, and selecting the transaction The web page for the second transaction is received from the web server based on the selection of the second transaction on the screen, and the web server receives specific customer information. When receiving, transmitting the information for a particular customer to the staff of the terminal of the financial institution, an automatic transaction system is provided.

  As described above, according to the present invention, it is possible to improve the extensibility of transactions performed by an automatic transaction apparatus.

It is explanatory drawing which showed the structure of the automatic transaction system by embodiment of this invention. It is the block diagram which showed the structure of the automatic transaction apparatus by embodiment of this invention. It is explanatory drawing which shows the specific example of a transaction selection screen. It is explanatory drawing which shows the display screen which guides insertion of a magnetic card | curd. It is explanatory drawing which shows the input screen of a PIN code. It is explanatory drawing which shows the web page for loan application. It is explanatory drawing which shows a transaction end screen. It is a flowchart which shows operation | movement of the automatic transaction apparatus by embodiment of this invention. It is a flowchart which shows the detail of Web server transaction. It is explanatory drawing which shows the transaction selection screen by a 1st modification. It is explanatory drawing which shows the selection screen of Web server transaction. It is a flowchart which shows operation | movement of the automatic transaction apparatus by the 2nd modification.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

  In the present specification and drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numeral. However, when it is not necessary to particularly distinguish each of a plurality of constituent elements having substantially the same functional configuration, only the same reference numeral is given to each of the plurality of constituent elements.

<1. Basic configuration of automatic transaction system>
FIG. 1 is an explanatory diagram showing a configuration of an automatic transaction system according to an embodiment of the present invention. As shown in FIG. 1, the automatic transaction system according to the embodiment of the present invention includes a billing system server 10, an automatic transaction apparatus 20, a Web server 30, and an information terminal 40.

  In the automatic transaction system, the automatic transaction apparatus 20 is connected to the billing server 10 and the Web server 30 via the dedicated network 12. The dedicated network 12 is a network of a financial institution, and is configured by, for example, an IP-VPN (Internet Protocol-Virtual Private Network). The information terminal 40 is connected to the Web server 30 via the communication network 14. The communication network 14 may include a public line network such as the Internet, a telephone line network, a satellite communication network, various LANs (Local Area Network) including Ethernet (registered trademark), a WAN (Wide Area Network), and the like.

(Account Server)
The billing server 10 controls various transactions by communicating with the automatic transaction apparatus 20 via the dedicated network 12. For example, the account server 10 authenticates a customer who operates the automatic transaction apparatus 20, or executes a monetary transaction (account transaction process) such as payment or transfer instructed by the customer in the automatic transaction apparatus 20. . Further, the account server 10 manages customer information (account ledger) such as account number, personal identification number, name, address, age, date of birth, telephone number, occupation, family structure, annual income, and deposit balance.

(Automatic transaction equipment)
The automatic transaction apparatus 20 is a customer operation type terminal that executes various transactions based on operations by customers of financial institutions. The automatic transaction apparatus 20 is installed in various facilities such as a financial institution sales store, a convenience store, a station premises, a hotel, a hospital, an amusement park, a restaurant, and an office building.

  Moreover, the automatic transaction apparatus 20 is provided with the display input part 22, the bankbook insertion port 24, the card insertion discharge port 26, the receipt discharge port 27, and the customer service port 28, as shown in FIG.

  The display input unit 22 includes a display unit that displays a guidance screen for operation by the customer and a function as an input unit for the customer to perform operation input. The function as the display unit is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. Moreover, the function as an input part is implement | achieved by the touch panel, for example. Although FIG. 1 shows an example in which the functions of the display unit and the input unit are integrally configured in the automatic transaction apparatus 20, the functions of the display unit and the input unit may be configured separately.

  The passbook insertion port 24 is an opening for inserting and discharging the customer's passbook. The card insertion / discharge port 26 is an opening for inserting and discharging a customer's magnetic card (cash card). The receipt discharge port 27 is an opening for discharging a receipt on which transaction information is printed. The customer service port 28 functions as a cash deposit port for customers and a cash withdrawal port for customers. Note that the cash may be a banknote or a coin.

(Information terminal)
The information terminal 40 is an information processing device used by a user (for example, a customer of a financial institution). The information terminal 40 has a display function, an input function, a communication function with the Web server 30, and the like.

(Web server)
The Web server 30 is connected to the automatic transaction apparatus 20 and the information terminal 40 and executes a transaction requested from the automatic transaction apparatus 20 and the information terminal 40. For example, the Web server 30 provides the automatic transaction apparatus 20 with a Web page for executing the transaction requested from the automatic transaction apparatus 20, and performs a transaction based on a customer input on the Web page displayed on the automatic transaction apparatus 20. Execute. Examples of transactions handled by the Web server 30 include loan application, address change, consultation application, telephone number change, and document request.

<2. Internal configuration of automatic transaction equipment>
The overall configuration of the automatic transaction system has been described above. Then, with reference to FIG. 2, the internal structure of the automatic transaction apparatus 20 mentioned above is demonstrated.

  FIG. 2 is a block diagram showing a configuration of the automatic transaction apparatus 20 according to the embodiment of the present invention. As shown in FIG. 2, the automatic transaction apparatus 20 according to the embodiment of the present invention includes a display input unit 22, a communication unit 210, a card reading unit 220, a banknote deposit / withdrawal unit 230, and a coin deposit / withdrawal unit 240. A passbook entry part 250, a receipt printing part 260, a storage part 270, and a control part 280.

(Display input part)
As described with reference to FIG. 1, the display input unit 22 includes a display unit that displays a guidance screen for an operation by a customer and a function as an input unit for the customer to perform an operation input.

(Communication Department)
The communication unit 210 transmits / receives various information to / from the accounting server 10 and the Web server 30 via the dedicated network 12. For example, the communication unit 210 transmits information indicating an account number read from a customer's magnetic card or the like to the account server 10 and receives customer information corresponding to the account number from the account server 10. In addition, the communication unit 210 communicates information for executing a transaction (transaction type, transaction amount, etc.) with the accounting server 10. In addition, the communication unit 210 according to the present embodiment communicates information for executing a transaction handled by the Web server 30 with the Web server 30. Note that the function of the communication unit 210 may be realized by a browser application.

(Card reader)
The card reading unit 220 reads magnetic information recorded on the customer's magnetic card inserted from the card insertion / ejection port 26. The magnetic information may include, for example, information indicating an account number and an account type.

(Bill deposit / withdrawal department)
The banknote deposit / withdrawal unit 230 includes a banknote conveyance path, a banknote cassette, and a banknote discriminating section that discriminates the legitimacy of the banknote. The banknote thrown into the customer service port 28 at the time of money_receiving | payment is conveyed by the banknote discrimination part via a conveyance path, and when a normal discrimination result is obtained by the banknote discrimination part, it is conveyed by the banknote cassette according to a money type. Moreover, a banknote is isolate | separated from a banknote cassette at the time of payment | withdrawal, the banknote discrimination part isolate | separates the banknote, and a banknote is conveyed to the service port 28, when a normal discrimination result is obtained.

(Coin deposit and withdrawal department)
The coin deposit / withdrawal unit 240 includes a coin conveyance path, a coin cassette, and a coin discriminating unit that discriminates the validity of the coin. Coins thrown into the customer service port 28 at the time of depositing are transported to the coin discriminating section via the transport path, and when a normal discrimination result is obtained by the coin discriminating section, they are transported to a coin cassette corresponding to the denomination. Further, at the time of withdrawal, coins are paid out from the coin cassette, the coin discriminating unit discriminates the coins drawn out from the coin cassette, and when a normal discrimination result is obtained, the coins are conveyed to the customer service port 28. In the above description, an example in which coins and banknotes are deposited / withdrawn through the same service port 28 has been described. However, the present embodiment is not limited to this example, and coins and bills are deposited / withdrawn through different service ports. May be.

(Passbook entry department)
The passbook entry unit 250 includes a magnetic head, a page feed unit, a printing unit, and the like, and performs entry in the passbook inserted from the passbook insertion port 24. For example, when a passbook is inserted from the passbook insertion port 24, the magnetic head reads the magnetic information from the magnetic stripe formed on the passbook cover paper. In addition, the page sending section opens a passbook entry page, and the printing section prints transaction information on the passbook entry page.

(Receipt printing part)
The receipt printing unit 260 includes a receipt roll, a thermal head, a cutter, and the like, and creates a receipt on which transaction details are printed. For example, when a transaction specified by the customer is executed, the thermal head prints the transaction details information on the continuous paper separated from the receipt roll, and the cutter separates the area where the details information is printed from the continuous paper, A receipt is created.

(Memory part)
The storage unit 270 is a storage medium that stores various information used for the operation of the automatic transaction apparatus 20. For example, in the storage unit 270, the control unit 280 controls the display input unit 22, the communication unit 210, the card reading unit 220, the banknote deposit / withdrawal unit 230, the coin deposit / withdrawal unit 240, the passbook entry unit 250, the receipt printing unit 260, and the like. To store a program for

(Control part)
The control unit 280 controls the overall operation of the automatic transaction apparatus 20. For example, the control unit 280 controls the operations of the communication unit 210, the card reading unit 220, the banknote deposit / withdrawal unit 230, the coin deposit / withdrawal unit 240, the passbook entry unit 250, and the receipt printing unit 260. In particular, the control unit 280 according to the present embodiment controls communication between the accounting server 10 or the Web server 30 and the communication unit 210 according to the transaction selected on the transaction selection screen. Further, the control unit 280 causes the display input unit 22 to display a display screen for executing the transaction selected on the transaction selection screen. Hereinafter, a specific example of the display screen displayed on the display input unit 22 based on the control from the control unit 280 will be described.

  FIG. 3 is an explanatory diagram illustrating a specific example of a transaction selection screen. The transaction selection screen shown in FIG. 3 includes selection of a withdrawal button 41, a deposit button 42, a balance inquiry button 43, a transfer button 44, a transfer button 45, a passbook entry button 46, a loan application button 51, an address change button 52, and the like. Includes buttons.

  Among the selection buttons shown in FIG. 3, transactions performed by selecting the withdrawal button 41, the deposit button 42, the balance inquiry button 43, the transfer button 44, the transfer button 45, and the passbook entry button 46 are handled by the account server 10. Transaction (first transaction). Therefore, when the withdrawal button 41, the deposit button 42, the balance inquiry button 43, the transfer button 44, the transfer button 45, or the passbook entry button 46 is selected, the control unit 280 determines whether the communication unit 210 and the account server 10 Control communication.

  On the other hand, among the selection buttons shown in FIG. 3, the transaction performed by selecting the loan application button 51 and the address change button 52 is a transaction handled by the Web server 30 (second transaction). Therefore, when the loan application button 51 or the address change button 52 is selected, the control unit 280 controls communication between the communication unit 210 and the Web server 30 after successful identity verification through communication with the account server 10. To do.

  For example, when the loan application button 51 is selected on the transaction selection screen, the control unit 280 causes the display input unit 22 to display a display screen for guiding the insertion of the magnetic card as shown in FIG. Furthermore, the control unit 280 causes the display input unit 22 to display a password input screen as shown in FIG. The communication unit 210 transmits the personal identification number input here and the account number of the inserted magnetic card to the accounting server 10, so that the identity of the customer is confirmed in the accounting server 10.

  Based on the successful identity verification, the control unit 220 causes the communication unit 210 to acquire a Web page for applying for a loan from the Web server 30. As illustrated in FIG. 6, the control unit 220 causes the display input unit 22 to display a web page for loan application acquired by the communication unit 210. Then, the communication unit 210 transmits information input by the customer on the Web page for loan application to the Web server 30, whereby the Web server 30 accepts the loan application. The control unit 220 causes the display input unit 22 to display, for example, a transaction end screen for guiding the end of the transaction illustrated in FIG. 7 based on the transaction end notification transmitted from the Web server 30 thereafter.

<3. Operation>
The configuration of the automatic transaction apparatus 20 according to the embodiment of the present invention has been described above. Next, with reference to FIGS. 8 and 9, the operation of the automatic transaction apparatus 20 according to the embodiment of the present invention is organized.

  FIG. 8 is a flowchart showing the operation of the automatic transaction apparatus 20 according to the embodiment of the present invention. As shown in FIG. 8, first, the display input unit 22 displays a transaction selection screen (S304). When a transaction is selected by the customer on the transaction selection screen (S308), the display input unit 22 inserts a magnetic card. Is displayed (S312). When the magnetic card is inserted, the display input unit 22 displays a password input screen (S316), and the communication unit 210 displays the input password and the account number of the inserted magnetic card. (S320). Here, when the identity verification in the accounting server 10 fails (S324 / no), the transaction ends in error.

  On the other hand, if the identity verification is successful (S324 / yes), the process branches according to the transaction selected in S308. Specifically, when the transaction selected in S308 is an account transaction handled by the account server 10 (S328 / no), the automatic transaction apparatus 20 executes the account transaction in cooperation with the account server 10. (S332). When the transaction selected in S308 is a Web server transaction handled by the Web server 30 (S328 / yes), the automatic transaction apparatus 20 executes the Web server transaction in cooperation with the Web server 30 (S336). Here, the process of S336 will be described more specifically with reference to FIG.

  FIG. 9 is a flowchart showing details of the Web server transaction. First, the control unit 280 confirms the connection state between the Web server 30 and the communication unit 210 (S404). If the connection between the Web server 30 and the communication unit 210 is not confirmed (S404 / no), the control unit 280 displays an error screen on the display input unit 22 (S408).

  On the other hand, when the connection between the Web server 30 and the communication unit 210 is confirmed (S404 / yes), the communication unit 210 acquires a Web page for transaction from the Web server 30 (S412), and the display input unit 22 A web page is displayed (S416). And the communication part 210 transmits the information input by the customer in the said web page to the web server 30 (S420).

  Thereafter, the processes of S412 to S420 are repeated until an end notification is received from the Web server 30, and when the end notification is received from the Web server 30 (S424 / yes), the display input unit 22 displays a transaction end screen. (S428).

  The communication unit 210 continuously monitors the connection state with the Web server 30. For example, the communication unit 210 may periodically transmit a response request signal to the Web server 30 and monitor whether the response signal is received from the Web server 30 within a predetermined time from the transmission of the response request signal. Then, the control unit 280 ends the display of the web page on the display input unit 22 based on the disconnection between the communication unit 210 and the web server 30. If the Web page display end condition is only the transaction end notification, when the communication unit 210 and the Web server 30 are disconnected, the transaction end notification is not received from the Web server 30 and the Web page display is fixed. End up. On the other hand, by monitoring the connection state as described above, even when the connection between the communication unit 210 and the web server 30 is disconnected, it is possible to smoothly terminate the display of the web page.

<4. Effect>
As described above, according to the embodiment of the present invention, the Web server 30 centrally manages a predetermined transaction and provides the Web page for the transaction to the automatic transaction apparatus 20 to realize the transaction. Accordingly, it is possible to add and change transactions by expanding the function of the Web server 30 without making a major change in the software of the automatic transaction apparatus 20. Further, since the account-type server 10 handles account-type transactions as before, the automatic transaction system of the present embodiment can be easily introduced as compared with the case where all transaction execution functions are moved to the Web server 30. . Moreover, when the server which provides Web transaction exists in the information terminal 40, it is possible to further reduce the introduction cost of the automatic transaction system of this embodiment by using the server as the Web server 30. .

<5. Modification>
The embodiments of the present invention have been described above. Hereinafter, some modifications of the embodiment of the present invention will be described. In addition, each modification demonstrated below may be applied to embodiment of this invention independently, and may be applied to embodiment of this invention in combination. Each modification may be applied instead of the configuration described in the embodiment of the present invention, or may be additionally applied to the configuration described in the embodiment of the present invention.

(First modification)
In the above, an example in which the transaction selection screen includes selection buttons (a loan application button 51 and an address change button 52) corresponding to individual Web server transactions has been described with reference to FIG. However, if a new Web server transaction is added in this example, software may need to be updated to add a new selection button to the transaction selection screen. The first modification relates to a proposal of a device that makes it unnecessary to update the software.

  FIG. 10 is an explanatory diagram showing a transaction selection screen according to the first modification. As shown in FIG. 10, the transaction selection screen according to the first modification includes a withdrawal button 41, a deposit button 42, a balance inquiry button 43, a transfer button 44, a transfer button 45, a passbook entry button 46, and various application buttons. 50 is included. When various application buttons 50 are selected on the transaction selection screen, the communication unit 210 acquires a Web server transaction selection screen from the Web server 30 after the identity verification.

  FIG. 11 is an explanatory diagram showing a web server transaction selection screen. As shown in FIG. 11, the Web server transaction selection screen is used for individual Web server transactions such as a loan application button 51, an address change button 52, a consultation application button 53, a telephone number change button 54, and a document request button 55. Includes a corresponding selection button. The customer can select a desired transaction on the selection screen.

  As described above, the Web server 30 provides a selection screen for selecting an individual Web server transaction as a Web page, so that the extensibility of adding and changing transactions can be further improved. Note that the same effect as described above can also be obtained when the Web server 30 provides a transaction selection screen including a selection button corresponding to the account transaction as a Web page.

(Second modification)
In the above, an example in which communication with the Web server 30 is not performed for the account transaction is described. The second modified example relates to a proposal of a configuration in which the automatic transaction apparatus 20 and the Web server 30 cooperate with each other regarding the account transaction.

  FIG. 12 is a flowchart showing the operation of the automatic transaction apparatus 20 according to the second modification. The flowchart shown in FIG. 12 is different from the flowchart shown in FIG. 8 in that the process shown in S330 is included. That is, in the operation according to the second modification, the communication unit 210 transmits the customer information and the transaction information to the Web server 30 even when the account transaction is selected. The customer information includes, for example, an account number, and the transaction information includes information indicating the transaction selected in S308.

  Therefore, the Web server 30 can manage customer information and transaction information of each customer. For this reason, when the Web server 30 receives customer information of a specific customer, the Web server 30 can also notify the customer's visit to the terminal used by the staff of the financial institution. Staff can provide detailed support to customers based on the notification.

  Although FIG. 12 shows an example in which customer information and transaction information are transmitted before S332, the customer information and transaction information may be transmitted after S332. In this case, the transaction information may include more specific information such as a transaction amount. Moreover, the automatic transaction apparatus 20 may accumulate customer information and transaction information, and collectively transmit customer information and transaction information regarding a plurality of transactions to the Web server 30.

<6. Conclusion>
As described above, according to the embodiment of the present invention, it is possible to reduce the introduction cost of the automatic transaction system and improve the expandability by using the accounting server 10 and the Web server 30 together. is there.

  Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, each step in the process of the automatic transaction apparatus 20 of this specification does not necessarily need to be processed in time series along the order described as a flowchart. For example, each step in the process of the automatic transaction apparatus 20 may be processed in an order different from the order described as the flowchart, or may be processed in parallel.

  Further, it is possible to create a computer program for causing hardware such as a CPU, a ROM, and a RAM built in the automatic transaction apparatus 20 to perform the same functions as the components of the automatic transaction apparatus 20 described above. A storage medium storing the computer program is also provided.

DESCRIPTION OF SYMBOLS 10 Account server 12 Dedicated network 14 Communication network 20 Automatic transaction apparatus 22 Display input part 24 Passbook insertion port 26 Card insertion discharge port 27 Receipt discharge port 28 Customer service port 30 Web server 40 Information terminal 210 Communication unit 220 Control unit 220 Card reading unit 230 Banknote deposit / withdrawal unit 240 Coin deposit / withdrawal unit 250 Passbook entry unit 260 Receipt printing unit 270 Storage unit 280 Control unit

Claims (5)

A communication unit connected to the accounting server and the web server;
A display for displaying a transaction selection screen;
With
The communication unit is
Based on the fact that the first transaction is selected on the transaction selection screen, communication with the account server for execution of the first transaction is performed,
Sending customer information and transaction information about the customer to the web server during the first transaction,
Receiving a web page for the second transaction from the web server based on the selection of the second transaction on the transaction selection screen;
The said web server is an automatic transaction apparatus which transmits the information of the said specific customer to the terminal of the staff of a financial institution, when the information of a specific customer is received . The communication unit executes communication for customer authentication with the accounting server based on the selection of the second transaction,
The automatic transaction apparatus according to claim 1 , wherein the display unit displays the Web page received by the communication unit after successful authentication. The automatic display according to claim 1 or 2 , wherein the display unit displays a transaction end screen for guiding the end of a transaction based on the communication unit receiving a notification of the end of the second transaction from the Web server. Trading device. The communication unit continuously monitors the connection state with the Web server,
The automatic transaction apparatus according to any one of claims 1 to 3 , wherein the display unit terminates display of the Web page based on a disconnection between the communication unit and the Web server. An automatic transaction system having a terminal used by an automatic transaction apparatus, an accounting server, a Web server, and a staff of a financial institution,
  The automatic transaction apparatus is
  A communication unit connected to the accounting server and the Web server;
  A display for displaying a transaction selection screen;
With
  The communication unit is
  Based on the fact that the first transaction is selected on the transaction selection screen, communication with the account server for execution of the first transaction is performed,
  Sending customer information and transaction information about the customer to the web server during the first transaction,
  Receiving a web page for the second transaction from the web server based on the selection of the second transaction on the transaction selection screen;
  The said web server is an automatic transaction system which transmits the information of the said specific customer to the terminal of the staff of a financial institution, when the information of a specific customer is received.

Images