JPH07101424B2 - Customer guidance system for automated transaction equipment - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to an automatic transaction device provided in a financial institution or the like, and more particularly to a customer guidance system for performing a customer guidance display.

[Prior Art] In an automatic transaction device used in a financial institution, for example, when a customer withdraws cash from a predetermined account, the customer operates and operates as follows with respect to a cash transaction terminal device. In response to this, the terminal device operates as follows.

That is, the customer selects a payment transaction while looking at the guidance screen on the display device, and then inserts a so-called cash card. In response to this, the cash transaction terminal device reads the information on the cash card and prompts the user to input a personal identification number. As a result, the customer inputs the personal identification number, and the terminal device confirms the coincidence between the personal identification number input and the personal identification number read from the cash card and prompts the user to specify the amount.

The customer inputs the requested payment amount, and the terminal device displays the input amount, whereby the customer visually confirms the input amount and presses the confirmation key.

Next, the terminal device transmits a transaction message such as an account number and a withdrawal amount to the host computer of the center, and then receives a transaction message of transaction successful (not successful) information from the host computer. When the transaction is completed, the terminal device prints the transaction data on the statement slip, counts the banknotes corresponding to the input amount, and moves the printed statement slip and the counted banknotes to the outlet.

The terminal device then returns the cash card, and the customer receives the cash card. After the cash card is discharged, the terminal device discharges the statement slip and the banknote from the discharge port to the outside of the apparatus, and the customer receives the discharged statement slip and the banknote, and the series of payment transaction processing ends.

On the other hand, when the host computer sends transaction failure information and the terminal device receives the information because the balance is insufficient for the amount requested to be paid, the terminal device is fixedly prepared and stored in many guidances. A screen containing a fixed message "Insufficient balance" is taken out from the storage device based on the screen number given by the host computer and the cash card etc. is returned to the customer and displayed at the same time. After confirming the facts, the end screen is displayed to end the series of processes.

[Problems to be Solved by the Invention] By the way, when a payment transaction fails due to a lack of balance, the transaction does not occur even if the customer requests payment again without the customer being aware of the current balance. May not hold. Therefore, there is a request from the customer to display a balance when payment is not established due to a lack of balance.

However, in the conventional method, the customer cannot recognize the balance unless the balance inquiry transaction is performed once. Therefore, it can be said that the guidance screen display is insufficient.

Therefore, it is conceivable to change the guidance screen itself, but the change work requires a lot of time and manpower, and it is not necessarily a simple work, and the information held by the center side in the past is displayed. Such a configuration is not provided, and it may be possible that the guidance screen itself may not be changed. . In addition, it is not preferable for maintenance to change the guidance screen every time the customer requests.

Actually, various matters that are desired to be further displayed on the existing guidance screen may occur in addition to the current balance when the payment transaction is not completed as described above.

The present invention has been made in consideration of the above points, and it is possible to add and display the message transferred from the host computer as needed without changing the stored guidance screen data. The present invention aims to provide a customer guidance system for an automatic transaction device that improves the usability of the customer with a simple configuration.

[Means for Solving the Problem] In order to solve the problem, in the present invention, a cash transaction terminal device and a host computer are connected via a data transmission line, and a guidance image is displayed on a display device incorporated in the terminal device. Is displayed to guide the customer's operation,
An automatic transaction device for exchanging a transaction message regarding a transaction instructed by a customer operation between a terminal device and a host computer to execute a transaction desired by the customer is configured as follows.

Each time a transaction is made, the host computer determines whether to compose a message appropriate for the customer's unique operation guidance into a part of the guidance screen based on the customer's ledger file data. A synthesizing message to be synthesized on a part of the screen is edited, and a transaction message including the synthesizing message and a screen number indicating a guidance screen for displaying the synthesizing message is notified to the terminal device.

The terminal device receiving the transaction message retrieves the guidance screen data from the storage unit based on the screen number included in the transaction message from the host computer, and determines whether the transaction message from the host computer includes a message for composition. And if there is a message for composition,
Edit the composition message according to the layout of the guidance screen to be composed. Then, the retrieved guidance screen data and the combining message are combined, and the combined screen is displayed on the display device.

[Operation] In order to properly guide the operation of the customer, it is sometimes desired to synthesize various data on the host computer and display it on the guidance screen.

Therefore, when the processing result processed based on the transaction message from the terminal device corresponds to such a case, the host computer displays the screen number of the guidance screen to be displayed,
Composition message to be composed (including composition position data)
A transaction message including and is given to the terminal device.

On the other hand, in the terminal device, the control means analyzes the transmitted transaction telegram, takes out the data of the guidance screen to be displayed based on the screen number included in the telegram from the storage means, and is also included in the telegram. Edit it again so that the composition message can be displayed.

The guidance screen data extracted in this way and the edited message for synthesis are given from the control means to the display control means, and are synthesized by this display control means and displayed on the display device.

Embodiment An embodiment of the present invention will be described in detail below with reference to the drawings.

FIG. 1 is an operation flowchart of a cash transaction terminal device in one embodiment of the present invention, FIG. 2 is an operation flowchart of a host computer in that embodiment, and FIG. 3 is a schematic configuration of an automatic transaction device to which the present invention is applied. FIG. 4 is a block diagram and FIG. 4 is an explanatory diagram showing an example of a display screen before and after overwriting the host edit message on the screen.

In FIG. 3, an automatic transaction device in a financial institution is configured by connecting a center 1 and a cash transaction terminal device (hereinafter referred to as a terminal device) 2 via a line 3 as is well known. The center 1 includes a host computer 4 that controls the terminal device 2, and a modem 5 that modulates and demodulates data transmitted and received to and from the terminal device 2 via the line 3.

On the other hand, the terminal device 2 has a modem 6 that modulates and demodulates data transmitted and received to and from the center station 1 via the line 3, a data processing unit 7, and a data transmission line (modems 5 and 6 and the communication line 3).
And a communication control device 8 that functions as an interface with the data processing unit 7.

The data processing unit 7 includes a main control unit 11 including a central processing unit (CPU) 9 and a main storage device 10. The main control unit 11 controls the entire operation of the processing unit 7 and the center 1
It is designed to control data communication with. In the data processing unit 7, a display unit 12, a card reader / printer unit 13, a passbook processing unit 14, a cash deposit / withdrawal unit are connected to the main control unit 11 via a data bus.
15, a hard disk device 16 and a data link control processor (DLC) 17 are connected.

The card reader / printer unit 13 has a card insertion slot 13a.
And inserting and ejecting a cash card, reading data recorded on the cash card, and writing data to the cash card.
The transaction result and the like are printed on the statement slip. The printed statement slip is provided to the cash deposit / withdrawal unit 15 by the statement slip traveling mechanism.

The passbook processing unit 14 is provided with a passbook insertion port 14a for inserting and ejecting a passbook, reading data recorded on the magnetic stripe of the passbook, writing data to the stripe of the passbook, and printing transaction results on the passbook. It is something to do.

The cash deposit / withdrawal unit 15 is provided with a cash (banknote) insertion slot 15a and a cash discharge slot 15b, and is for taking in, recognizing, counting and discharging cash. When the cash is discharged, the statement slip given from the card reader / printer unit 13 is also discharged from the discharge port 15b at the same time.

The hard disk device 16 stores a system program and guidance screen data that is displayed to prompt the customer to operate and to let the customer know the processing status and the like. The guidance screen data is given to the display unit 12 as needed under the control of the main control unit 11.

The data link control processor 17 controls the establishment and opening of a transmission line when exchanging data with the host computer 4, and executes the processing under the control of the main controller 11.

The display unit 12 is the CRT display body 20.
And a touch input device 21 that is provided on the tube surface of the display body 20 to capture the operation input of the customer, and a CRT controller 22 that controls the display operation of the display body 20.
Consists of. In detail, the CRT controller 22 includes a CPU 23 that controls the overall operation of the display unit 12, a program memory 24, and a screen memory 25 that stores guidance screen data given from the hard disk device 16.

Next, the operation of the payment transaction mode will be described with reference to FIGS. 1 and 2.

In the initial state, the transaction menu screen is displayed on the display body 20, and the customer is
Select a payment transaction from the transactions displayed on the screen using the touch input device 21, and the main control unit 11 will CR the input data.
The payment transaction physics is initiated via the T-Controller 22 (step 100).

At this time, the main control unit 11 sends a signal to the card reader / printer unit 13 and the passbook processing unit 14 to enable the insertion of the cash card and / or the passbook, and displays a guidance screen prompting the insertion on the display body 20 ( Step 101). As a result, the customer inserts the card into the card insertion slot 13a and, if he / she brings it, into the passbook insertion slot 14a. When inserted, the card reader / printer unit 13 and the passbook processing unit 14 respectively read the magnetic recording data of the inserted card or passbook, and the main control unit 11 takes in the data from these units 13 and 14 (step 101).

Next, the main control unit 11 causes the display body 20 to execute a display prompting the user to input the personal identification number, and then the touch input device
The main body of the display 20 that prompts the user to enter the requested payment amount
The input amount from the touch input device 21 is fetched, the input amount is displayed on the display body 20, and the depression of the confirmation key of the touch input device 21 is detected (step 102).

When such processing is completed, the main control unit 11 sends a signal to the data link control processor 17 to establish a data transmission line, and thereafter, the communication control device receives the data read from the card or passbook and the input amount data. 8, modem 6, line 3, and modem 5 in this order to the center 16
To the host computer 4 (step 103).

Upon receiving the transmission data from the terminal device 2, the host computer 4 executes the operation program shown in FIG.

First, the host computer 4 determines the transaction type from the received data (step 200), executes the balance inquiry subroutine process in the case of balance inquiry transaction, and executes the deposit subroutine process in the case of deposit transaction (step 201, 20
2). On the other hand, in the case of payment transaction, the balance of the account number is retrieved from the ledger file based on the received transaction message and the balance is compared with the requested payment amount (steps 203 and 204).

As a result, when the balance is sufficient, the host computer 4 updates the balance of the ledger file by reducing the payment request amount, and then edits the transaction completion message (steps 205 and 20).
6). On the other hand, if the balance is insufficient, the host computer 4 edits the transaction failure message (step 20).
7). After that, the host computer 4 transmits the transaction message edited in this way to the terminal device 2 (step 20).
8).

The details of the editing process when the transaction is unsuccessful are as follows. First, the host computer 4 sets data for instructing unsuccessful transaction, sets data for instructing to eject a card and / or passbook, and a screen for instructing a guidance screen to be displayed on the display body when ejecting a card or the like. Set the number (steps 210 to 2)
12). Further, a guidance message for making the customer aware of the balance is used as display data, and is edited with a screen image in accordance with the layout of the guidance screen when returning a card or the like (step 213). In this way, the transaction message when the transaction is not established is edited.

Such a transaction message from the host computer 4 is received by the main control unit 11 of the terminal device 2, and the main control unit 11 sends a signal to the data link control processor 17 upon reception to release the data transmission line (step Ten
Four). After that, the main control unit 11 determines whether a transaction failure is instructed or a transaction is instructed (step 105).

When the payment transaction is established, the main control unit 11 executes the establishment routine process (step 106). That is, printing of the statement slip, counting and reading the banknotes, discharging the card and / or passbook, and discharging the banknotes and statement slips are executed.

On the other hand, if the payment transaction is not successful, the main control unit
The reference numeral 11 gives a signal to the card reader / printer unit 13 so that the statement of failure is printed on the statement slip and ejects it. Then, the card 11 is taken out from the hard disk device 16 based on the screen number given from the host computer 4 to the display unit 12. The guidance screen data is given to display cards and / or passbooks, and a guidance screen indicating that the balance is insufficient is displayed (steps 107 and 108). FIG. 4 (A) shows the display screen at this point.

After that, the main control unit 11 executes the overwriting process for the display screen (step 109). Next, this overwrite processing will be described in detail. First, the main control unit 11 analyzes the overwrite message edited by the host computer 4, and edits the message requested to be displayed on the built-in main storage device 10 (steps 110 and 111). Next, the main control unit 11 gives this edit message to the CRT controller 22 to request the display (step 112).

At this time, the CRT controller 22 stores this message in the designated memory area of the screen memory 25, synthesizes it with the guidance screen data already stored, displays the synthesized data, and performs the overwriting process. Response data is transmitted to the main control unit 11. In this way, the display screen that has been properly overwritten
It shows in (B). This display screen is the one in which the message MES by the host computer 4 is overwritten on the guidance screen SUR1 fixedly held by the terminal device 2 when the transaction is not completed.

The main control unit 11 requests the CRT controller 22 to overwrite as described above, takes in the response data from the CRT controller 22, and determines whether or not the overwrite process is appropriately performed based on this response data. If it has been done properly, a normal termination code is set. On the other hand, if it has not been done properly, an abnormal termination code is set and the procedure returns to the main routine (step 11).
3-116).

After that, the main control unit 11 determines whether or not an error has occurred based on the code state, and if normal, causes the card and printer unit 13 and / or the passbook processing unit 14 to eject the card and / or passbook, In this case, an error message is displayed on the display body 20 and the series of processing is terminated (steps 117 to 119).

Therefore, according to the above-mentioned embodiment, when the balance is insufficient in the payment transaction, not only the message that the transaction cannot be performed but also the message indicating the current balance given from the host computer 4 is displayed. Because I did
The customer can immediately proceed to another payment transaction based on the displayed balance without making a balance inquiry, and can perform good operation guidance. That is, the usability of the automatic transaction system can be further enhanced.

In addition, although the balance message is overwritten in the case where the transaction is unsuccessful in the payment transaction in the above-described embodiment, another message may be displayed. In short, when displaying the data stored in the ledger file of the host computer 4 in various transactions is appropriate for guiding the operation of the customer, a message related to the data is given from the host computer 4 to the terminal device 2. It suffices that the message is combined with the guidance screen that the terminal device 2 has fixedly and displayed, and the message is not limited to the above.

For example, when the host computer 4 counts and determines the number of unregistered book data in the ledger file data, and if there is unregistered book data of a predetermined number or more, the number of unregistered book data and the passbook record are stored on the terminal device side. It is also possible to send a message prompting the execution of the transaction, and the terminal device 2 synthesize these messages and display them on the screen. The determination whether or not it is appropriate for the host computer 4 to display the message based on the ledger file data for guiding the operation of the customer is determined by the system operator, and based on which data in the ledger file in advance and based on that data. What kind of message is displayed is controlled by a program in the host computer 4.

[Effects of the Invention] As described above, according to the present invention, when a predetermined transaction has a predetermined processing condition, the host computer sends a message to be combined with the guidance screen to the terminal device, and the terminal device receives the message. At that time, the message is composed and displayed on a part of the predetermined guidance screen, so that the customer can learn more information and reflect it in the next operation, so that the operation guidance can be performed well. It is possible to obtain a customer guidance system of an automatic transaction device which has good usability.

In addition, since the message to be combined with the guidance screen is edited by the host computer as necessary without changing the guidance screen stored in the terminal device, setting or addition of a common combined message to each terminal device, Can be changed. On the other hand, according to the present invention, a message unique to each customer and each transaction of the customer based on the ledger file data of each customer and effective for guiding the next operation can be displayed. Improve more.

[Brief description of drawings]

FIG. 1 is an operation flowchart of a terminal device in an embodiment of the present invention, FIG. 2 is an operation flowchart of a host computer in the embodiment, and FIG. 3 is a schematic block diagram of a configuration of an automatic transaction device to which the present invention is applied. FIG. 4 and FIG. 4 are explanatory views showing an example of a display screen before and after overwriting the host edit message on the screen. 1 ... Center, 2 ... Terminal device 3 ... Line, 4 ... Host computer, 11 ... Main control unit, 12 ... Display unit, 13 ... Card reader / printer unit, 14 ...
… Passbook processing unit, 15 …… Cash deposit / withdrawal unit, 16…
… Hard disk drive, 17 …… Data link control processor, 20 …… CRT display body, 22 …… CRT
Controller, 25 ... Screen memory.

Claims (1)

[Claims] 1. A cash transaction terminal device and a host computer are connected via a data transmission circuit, a guidance screen is displayed on a display device incorporated in the terminal device to guide the operation of the customer, and the operation of the customer In an automatic transaction device for exchanging a transaction message about an instructed transaction between the cash transaction terminal device and a host computer to execute a transaction desired by a customer, the host computer, every time the transaction is performed, a ledger file of the customer. Based on the data, a composing message necessity judgment means for judging whether or not a message suitable for the customer's unique operation guidance is to be combined with a part of the guidance screen, and the above composition message necessity judgment means determines that it is necessary. If you do, the composition message editing means to edit the composition message to be composed on a part of the guidance screen. And a transaction message notifying means for notifying the terminal device of a transaction message including a composition message edited by the composition message editing means and a screen number for instructing a guidance screen for displaying the composition message. Is a synthesizing message presence / absence analyzing unit that analyzes whether or not the transaction message from the host computer includes a synthesizing message, and if the synthesizing message presence / absence analyzing unit finds a synthesizing message, Message editing means for editing the guidance message to match the layout of the guidance screen to be synthesized, guidance screen data retrieved from the storage means based on the screen number included in the transaction message from the host computer, and the synthesis message. And are combined, and the combined screen is displayed on the above display device. A customer guidance system for an automatic transaction device, comprising: