JP2012038170A - Automatic transaction device and automatic transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device capable of giving an operation guidance by sound to a customer with a preventive means against operation mistake to be made by the customer.SOLUTION: A cash automatic teller machine 1 has a display part 5 for displaying transaction items on a screen, an operation reception part 4 for receiving a transaction operation conducted by the customer based on a transaction item, a sound signal generation part 15 for generating a sound signal according to the operation received by the operation reception part 4 and a bone conduction speaker 16 for performing sound transmission by finger conduction or by bone conduction through converting the sound signal to mechanical vibrations. The machine also has a numeric data generation part 14 for generating numeric data where information of digits is added. Thus, the machine transmits the bone conducted sound including information of digits added to the customer, and generates a sound signal based on history information of pre-registered transfer destinations.

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine that is installed in a financial institution or the like and automatically performs a transaction with a customer, and an automatic transaction program.

  In recent years, automatic teller machines or composite terminal devices including functions thereof have been installed in banks, postal service companies, convenience stores, and the like. These devices are provided with display and operation means such as a touch panel, and voice output means for calling attention to forgetting to take cash.

  Generally, the voice output means provided in the information processing apparatus is not limited to the automatic teller machine, and is a speaker or the like as an audio device. For elderly people with reduced hearing ability, it may be difficult to hear the guidance voice from a speaker that transmits air vibrations. Therefore, instead of such a normal speaker, a method has been developed in which a guidance voice via an information processing device is transmitted to a customer by bone conduction (including finger conduction).

  For example, Patent Document 1 describes a remote controller that converts audio signals into mechanical vibrations and transmits them to a user through bone conduction. Patent Document 2 describes an operation device that converts sound information output from an information processing device as an electrical signal into vibration that can be bone-conducted and outputs the vibration. Patent Document 3 describes a glasses-type communication support apparatus that includes a speaker that conducts vibration according to a received audio signal.

JP 2007-6369 A JP 2007-310623 A JP 2008-176681 A

  However, the technique described in the above-mentioned patent document transmits a voice signal stored in advance or a voice signal received by communication to a customer via bone conduction, and prevention of a customer's operation error is not considered. It was. In an automated transaction machine such as an automated teller machine that accepts operations by a customer and confirms the details of the accepted operation with the customer, the elderly with reduced vision can settle without being aware of their own operational errors. There is a problem that the contents of transactions are leaked to other people around if the received operation contents are output from a normal speaker. Therefore, when assistance by voice guidance is effective, automatic guidance such as an automatic teller machine that provides guidance through bone conduction or finger conduction without leakage of voice to the surroundings and has a means for preventing operation mistakes by customers A transaction device is required.

  Therefore, the present invention has been made in view of the above problems, and guides customers who need voice guidance support via bone conduction or finger conduction when operating an automatic transaction apparatus such as an automatic teller machine. An object of the present invention is to provide an automatic transaction apparatus that is provided with a preventive measure against an operation mistake of a customer.

  In order to solve the above-described problem, the automatic transaction apparatus according to the first aspect of the present invention has received a display unit that displays transaction items on a screen, an operation reception unit that receives a transaction operation by a customer based on the transaction items, and an operation reception unit An audio signal generation unit that generates an audio signal according to an operation, and a vibration transmission unit that converts the audio signal into mechanical vibration and transmits it to a customer by bone conduction or finger conduction.

  ADVANTAGE OF THE INVENTION According to this invention, the automatic transaction apparatus, such as an automatic teller machine which can transmit the operation content by the said customer to a customer who needs assistance of voice guidance via bone conduction or finger conduction, is provided. be able to. Therefore, in the automatic transaction apparatus according to the present invention, the customer's own operation is automatically transacted for the elderly who are difficult to visually recognize the character information displayed on the display means, or the customer who is difficult to hear the sound from the speaker caused by air vibration. Whether the device has been correctly received can be communicated by bone conduction or finger conduction.

  In the above invention, the automatic transaction apparatus further includes a number data generation unit that recognizes the input number and the end of the number in the customer's operation received by the operation reception unit, and generates number data to which digit information is added. The voice signal generation unit includes a voice signal to which digit information is added based on the numeric data generated by the numeric data generation unit. According to the present invention, not only the amount of money entered by the customer through touch panel operation etc. is displayed on the screen as a sequence of numbers, but also the amount information is added in the form of “tens of thousands of yen” or “thousands of yen”. Thus, an audio signal can be generated. Therefore, according to the present invention, it is possible to provide an automatic transaction apparatus such as an automatic teller machine capable of adding digit information to the contents of operation by a customer and transmitting the information via bone conduction or finger conduction. .

  In the above invention, in the automatic transaction apparatus, the display unit further displays on the screen a number to which digit information is added based on the number data generated by the number data generation unit. According to the present invention, the customer can visually recognize the amount of money added with digit information in the form of “tens of thousands of yen” or “thousands of yen” as a character display. Therefore, the customer can easily confirm before the settlement instruction whether there is an input error such as miscounting the number of zeros for an account transaction of an amount having digits in which numbers of zeros are arranged over a plurality of digits. Thus, the automatic transaction apparatus according to the present invention can prevent a customer's operation mistake.

  In the above invention, the automatic transaction apparatus further includes a transmission / reception unit for communicably connecting to a server apparatus including a history information storage unit that accumulates and stores transfer destination history information registered in advance, The transfer destination history information is received from the server device, and the audio signal generation unit is based on the transfer destination history information when the transfer destination information received by the operation reception unit is included in the transfer destination history information received by the transmission / reception unit. Generate an audio signal. According to the present invention, the customer can confirm the remittance destination to which the transfer has been made previously by voice through bone conduction or finger conduction. The generated audio signal may be in a format in which items such as bank account information are simply read out, or a format in which a format suitable for the customer is registered in advance, and can be designed as appropriate. For example, when the bank account information is “A bank B branch, savings account, account number CDEFGH”, the customer may register a voice of “first grandchild I-chan” representing the bank account information. Good. The customer can easily operate the automatic transaction apparatus by confirming a voice that is convenient for the user without leakage to the surroundings, and can prevent an account designation error due to a key typo.

  In the above invention, the automatic transaction apparatus further includes a customer authenticating unit for authenticating the customer, and the vibration transmitting unit converts the audio signal into mechanical vibration when the customer is authenticated by the customer authenticating unit. Communicate to customers by conduction or finger conduction. According to the present invention, the automatic transaction apparatus can automatically switch whether to provide the customer with voice transmission via bone conduction or finger conduction by the operation of the customer authentication unit. For example, a magnetic card medium that can be used in an automatic teller machine records whether or not the user of the card medium desires voice transmission via bone conduction or finger conduction. The automatic transaction apparatus according to the present invention can automatically switch whether to provide voice transmission via bone conduction or finger conduction using the customer authentication unit. Therefore, even if there is no menu on the operation screen that allows the customer to select whether or not to use bone conduction, the customer simply inserts the magnetic card medium into the automatic transaction device and provides voice transmission via bone conduction or finger conduction. This can be a simpler operation for the customer.

  In the above invention, customer authentication by the customer authentication unit includes medium authentication, voice authentication, and biometric authentication. According to the present invention, the customer authentication unit can perform customer authentication including medium authentication, voice authentication, and biometric authentication in order to determine whether to provide audio transmission via bone conduction or finger conduction. Authentication that can be used for customer authentication of the automatic transaction apparatus according to the present invention includes medium authentication using a magnetic card, contact or non-contact integrated circuit card, etc .; voice authentication using voiceprints; fingerprint authentication, iris authentication, palm vein authentication, face Although biometric authentication, such as authentication, is mentioned, it is not limited to these. These authentications can also be performed in conjunction with authentication that the customer is qualified for a particular account transaction. For example, the automatic transaction apparatus may authenticate that the customer is an object for providing voice transmission via bone conduction when authenticating by a smart card that the customer is a qualified person of account transaction. Similarly, at the time of palm vein authentication as qualified person authentication for account transactions, it may be authenticated that it is a target for providing voice transmission via bone conduction. Therefore, the customer of the automatic transaction apparatus according to the present invention can be provided with audio transmission via bone conduction or finger conduction without adding an operation for customer authentication.

  In the above invention, the automatic transaction apparatus includes a handset with a built-in vibration transmission unit, the customer authentication unit recognizes the customer when the customer starts using the handset, and the voice signal generation unit is connected to the customer by the customer authentication unit. Is authenticated, the generation of an audio signal corresponding to the operation of the operation reception unit is started. According to the present invention, the handset is stored in a predetermined position of the automatic transaction apparatus, and the customer authenticates the customer by removing the handset from the predetermined position, and starts providing voice transmission via conduction or finger conduction. Can do. Therefore, the customer of the automatic transaction apparatus according to the present invention can be provided with voice transmission through bone conduction or finger conduction without any trouble.

  In the above invention, the automatic transaction apparatus further includes a bone conduction microphone and a voice recognition unit that recognizes voice of the customer's vocal cord vibration sensed by the bone conduction microphone as a voice signal. The voice-recognized information is accepted as a transaction operation by the customer. According to the present invention, the customer can operate the automatic transaction apparatus by voice recognition, and can confirm the received operation content by voice transmission through bone conduction or finger conduction without leakage to the surroundings.

  An automatic transaction system according to a second aspect of the present invention includes a server device and a terminal, and the server device stores and stores a transmission / reception unit for communicably connecting to the terminal and transfer destination history information registered in advance. An information storage unit, and the terminal generates a voice signal according to the operation of the display unit that displays the transaction item on the screen, the operation reception unit that receives a transaction operation by the customer based on the transaction item, and the operation reception unit An audio signal generation unit, a vibration transmission unit that converts the audio signal into mechanical vibration and transmits it to a customer by bone conduction or finger conduction, and a transmission / reception unit for communicably connecting to the server device The terminal transmission / reception unit receives the transfer destination history information from the server device, and the audio signal generation unit, when the transfer destination information received by the operation reception unit is included in the transfer destination history information received by the transmission / reception unit, Based on bank transfer history information Generating an audio signal Te.

  According to the present invention, even when a different terminal is used, the customer receives the transfer destination history information stored in the history information storage unit of the server device and operates, so that the transfer destination history can be obtained. Based on the information, it is possible to receive a service using an audio signal. Therefore, the customer confirms the remittance destination to which the transfer has been made by the automatic transaction system according to the present invention by voice through bone conduction or finger conduction, and voice that is convenient for himself without leakage to the surroundings. The automatic transaction apparatus can be easily operated by confirming the above.

  An automatic transaction program according to a third aspect of the invention includes a step of displaying a transaction item on a screen, a step of receiving a transaction operation by a customer based on the transaction item, a step of generating an audio signal in response to an operation of the operation reception unit, Causing the computer to perform the steps of converting the signal into mechanical vibration and transmitting it to the customer via bone conduction or finger conduction.

  ADVANTAGE OF THE INVENTION According to this invention, the program which operates a computer can be provided as automatic transaction apparatuses, such as an automatic teller machine which can transmit the operation content by a customer via bone conduction or finger conduction.

  According to the present invention, at the time of operation of an automatic transaction apparatus such as an automatic teller machine, a customer who needs assistance of voice guidance is guided through bone conduction or finger conduction, and means for preventing a customer's operation mistake are provided. An automatic transaction apparatus can be provided.

It is a sketch which illustrates the appearance of automatic teller machine 1 according to an embodiment of the present invention. It is a functional block diagram of the apparatus contained in the automatic transaction system 50 which concerns on embodiment of this invention. It is explanatory drawing which shows the operation screen of the automatic teller machine 1 which concerns on embodiment of this invention. It is explanatory drawing which shows the operation screen using the transfer destination log | history information of the automatic teller machine 1 which concerns on embodiment of this invention. It is a figure showing the data structure of history information database 70 memorized by history information storage part 32 of server 30 concerning the embodiment of the present invention. It is a flowchart which illustrates operation | movement of the automatic teller machine 1 which concerns on embodiment of this invention. It is a flowchart which illustrates operation | movement of the automatic teller machine 1 and the server 30 which concern on embodiment of this invention. It is a figure which shows an example of the hardware constitutions of the automatic teller machine 1 and the server 30 which concern on embodiment of this invention.

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

  Drawing 1 is a sketch which illustrates the appearance of automatic teller machine 1 concerning the embodiment of the present invention. The automated teller machine 1 conducts the functions of ATMs (Automated Teller Machines) installed in financial institutions such as banks and Japan Post Co., Ltd., and convenience stores, and the contents of operations by customers. Or it has the function to transmit via finger conduction. The automatic teller machine 1 includes a display unit 5 for displaying transaction items on a screen, a card handling unit 6, a bankbook handling unit 7, a cash handling unit 8, a handset 10, and a biometric authentication unit 19. The customer is a customer of a specific account transaction, such as a magnetic card accepted by the card handling unit 6, a bankbook accepted by the passbook handling unit 7, a fingerprint or palm vein presentation to the biometric authentication unit 19, etc., and a PIN number etc. Is authenticated. The handset of the automated teller machine 1 has a function of providing voice transmission to a customer via bone conduction or finger conduction, a function as a bone conduction microphone for detecting a customer's vocal cord vibration, and as a means of contacting a person in charge of the counter as appropriate. It has a function.

  FIG. 2 is a functional block diagram of devices included in the automatic transaction system 50 according to the embodiment of the present invention. As shown in FIG. 2, the automatic teller machine 1 includes a control unit 2, a storage unit 3, an operation receiving unit 4, a display unit 5, a card handling unit 6, a bankbook handling unit 7, a cash handling unit 8, a transmission / reception unit 9, A customer authentication unit 12, a numerical data generation unit 14, a voice signal generation unit 15, a bone conduction speaker 16 as a vibration transmission unit, a bone conduction microphone 17, a voice recognition unit 18, and a biometric authentication unit 19 are provided. The bone conduction speaker 16 and the bone conduction microphone 17 are built in the handset 10.

  The control unit 2 controls each unit in the automatic teller machine 1 according to various programs stored in the storage unit 3. The storage unit 3 stores various programs executed by the control unit 2, processing results by the control unit 2, and the like.

  The operation reception unit 4 includes various buttons for receiving customer operations, a touch panel described later, and the like, and receives operations such as selection of an operation menu, designation of a transfer destination account, input of a transfer amount, and confirmation of a settlement instruction by the customer. The operation reception unit 4 transmits the received operation information to the control unit 2.

  The display unit 5 is configured by, for example, a liquid crystal display, and displays a transfer destination account, an amount, confirmation of a settlement instruction, and the like input by a customer operating the operation reception unit 4. The aforementioned touch panel is provided on the display unit 5.

  The card handling unit 6 reads out customer identification information recorded on a magnetic stripe of a transaction card such as a cash card inserted by a customer or an IC card, and customer information such as a financial institution name, a branch name, and an account number. The card handling unit 6 also has a function of describing a transaction result or the like on the statement slip. The bankbook handling unit 7 reads customer information from the magnetic stripe or IC card of the bankbook inserted by the customer, and writes the transaction result, balance, etc. in the bankbook.

  The cash handling unit 8 accepts the customer's banknotes and coins at the time of depositing or transferring transactions, discriminates and counts them, and stores them in the storage for each denomination. The transmission / reception unit 9 is connected to the network 20 and realizes communication with the server 30. The network 20 is a communication network for communicatively connecting the server 30 in the bank and a plurality of ATMs.

  The customer authentication unit 12 operates to authenticate that the person who intends to use the automatic teller machine 1 is a qualified person for a specific account transaction. Authentication that can be used for customer authentication of the automated teller machine 1 includes medium authentication using a magnetic card, contact or non-contact integrated circuit card, etc .; voice authentication using voiceprints; fingerprint authentication, iris authentication, palm vein authentication, face authentication, etc. However, the present invention is not limited to these. For example, the customer inserts a magnetic card into the card handling unit 6 of the automatic teller machine 1 and inputs a password associated with the magnetic card into the operation receiving unit 4. Then, the customer authentication unit 12 authenticates whether or not the customer is a qualified person using the information read from the magnetic card and the password. The customer authentication performed by the customer authentication unit 12 can use voice authentication, biometric authentication, and the like in addition to authentication using such a medium. The biometric authentication unit 19 is connected to the customer authentication unit 12 and performs biometric authentication by fingerprint authentication or palm vein authentication, for example, and the customer authentication unit 12 authenticates the customer using the result.

  The number data generation unit 14 recognizes the input number and the end of the number in the customer's operation received by the operation reception unit, and generates number data. The end of a number may be recognized, for example, by pressing a “yen” button after the customer has pressed several number buttons. Alternatively, when the number is input, the last input number button may be recognized as the end of the number based on the fact that the customer has interrupted the button operation beyond a predetermined time.

  The audio signal generation unit 15 generates an audio signal according to the operation received by the operation reception unit 5. The generated audio signal is transmitted to the customer by bone conduction through the bone conduction speaker 16. This transmission is not limited to bone conduction but may be finger conduction, for example. The bone conduction speaker 16 is built in the handset 10 together with the bone conduction microphone 17. The bone conduction microphone 17 senses vocal cord vibration caused by the customer's voice. This vocal cord vibration is sent to the voice recognition unit 18 in the form of an electric signal, and voice recognition is performed.

  The server 30 includes a server control unit 31, a history information storage unit 32 as a transfer destination registration unit, an input unit 33, a storage unit 34, and a transmission / reception unit 35. Information stored in the history information storage unit 32 will be described later with reference to FIG.

  In this way, the automatic teller machine 1 transmits a voice signal corresponding to an operation received from a customer to the customer by bone conduction in addition to a function as a normal ATM, and senses the voice of the customer's vocal cords to detect the voice. It has a function to perform recognition. Therefore, the automatic teller machine 1 provides an operation by voice guidance and voice recognition by bone conduction in addition to guidance and reception of operations by the display unit 5 and the operation reception reception unit 4 to a customer such as an elderly person whose vision has deteriorated. Can be accepted.

  FIG. 3 is an explanatory diagram showing an operation screen of the automatic teller machine 1 according to the embodiment of the present invention. This operation screen is configured by an operation receiving unit 4 using a touch panel or the like provided on the display by the display unit 5, and a customer touches a button or the like on the screen displayed on the display unit 5. A customer's operation on the teller machine 1 is accepted as an input.

  3A to 3C, buttons 5A to 5D on the screen representing “payout”, “payment”, “transfer”, and “balance check” are displayed in a predetermined area of the display unit 5. Including. The automatic teller machine 1 is provided with a handset 10 together with a display unit 5. Hereinafter, the operation screen when the button 5C “transfer” on the screen is selected will be described. However, the present invention is not limited to this, and the automatic teller machine 1 uses the operation reception unit 4, the display unit 5 and the handset 10 to Can receive voice guidance to customers.

  FIG. 3A shows a situation where the button 5C “transfer” on the screen is selected by the customer. The automatic teller machine 1 accepts a bankbook or a card in the same manner as a normal ATM and authenticates the customer.

  FIG. 3B illustrates a situation in which an input of a transfer amount to another account is accepted from the account of a customer who has accepted a passbook or a card. In this example, the display unit 5 has a message area 5E in which a message “Please enter the transfer amount” is displayed, a keypad 5F on the screen for entering numbers, and a key on the screen for entering digits. There are provided a pad 5G, a keypad 5H on the screen on which “yen” indicating the end of the number input is displayed, and an area 5J for displaying the number of the amount entered by the customer. The part 4 accepts customer operations. For example, after the customer touches a key on the screen of “2”, “0”, “000” as the transfer amount, a number “20000” appears in the area 5J that displays the number of the amount. This number is the number received by the operation receiving unit 4 displayed in the area 5J displaying the number of the amount of money on the display unit 5.

  In FIG. 3 (c), after the number display shown in FIG. 3 (b) described above, the number data generation unit 14 recognizes the number input by the customer and the end of the number and adds digit information. Number data is generated, and the generated number data is displayed in an area 5J where digit information is added and the number of the amount of money in the display unit 5 is displayed. That is, the number displayed as “20000” in FIG. 3B is replaced with the display “20,000 yen” in FIG. Further, the numerical data to which the digit information generated by the numerical data generation unit 14 is added is converted into an audio signal including the reading of the numerical data and a predetermined word system by the audio signal generation unit 15, and the bone conduction is transmitted from the handset 10. Is communicated to the customer. For example, in this example, a bone conduction voice such as “Nimamen, okay?” Is transmitted to the customer. Accordingly, the customer visually recognizes the amount of money including the digit information of “20,000 yen” displayed on the display unit 15 as characters and listens to the voice including the phrase “Nimanen” by bone conduction without leakage to the surroundings. can do. That is, the customer inputs the character input with digit information to indicate that his / her input accepted by the automated teller machine 1 is “20,000 yen”, not “200,000 yen” or “2,000 yen”. It can be confirmed as information and voice information. On the display unit 5 shown in FIG. 3B, a button 5Z on the screen labeled “correction” is also displayed. As a result, when the customer notices his / her input mistake, the customer can also perform a correction operation such as correcting the amount of money or returning to the previous operation menu and re-inputting.

  In the display unit 5 illustrated in FIG. 3C, a message “please confirm the amount” is displayed in the message area 5E, and a screen labeled “confirmation” for instructing confirmation of the amount is displayed. The upper button 5W is displayed. When the customer touches the button 5W on the screen, the automatic teller machine 1 uses the amount displayed in the area 5J for displaying the amount of money on the display unit 5 to specify other remittance account etc. continue processing.

  The automatic teller machine 1 can also use numeric data to which digit information is added in a menu such as “payout”, “payment”, or “balance check” other than transfer. Therefore, the customer can confirm the transaction amount in the form of character information and voice information with digit information added.

  In this way, the customer of the automatic teller machine 1 determines whether or not there is an input error such as counting the number of zeros in an account transaction of an amount having a digit in which a number of zeros are arranged over a plurality of digits. It can be easily confirmed before the settlement instruction. Therefore, the automatic teller machine 1 according to the present invention can prevent a customer's operation mistake.

  FIG. 4 is an explanatory view showing an operation screen using the transfer destination history information of the automatic teller machine 1 according to the embodiment of the present invention. Similar to FIG. 3, the operation screen when the button 5C “transfer” on the screen is selected will be described.

  FIG. 4A shows a situation where the button 5C “transfer” on the screen has been selected by the customer, and the automatic teller machine 1 accepts a bankbook or a card in the same manner as a normal ATM and authenticates the customer. With the customer authentication, the automatic teller machine 1 communicates with the server 30 shown in FIG. 2 and receives the transfer destination history information of the customer from the server 30. For example, when it is stored in the transfer destination history information that the authenticated customer has made a remittance to two bank accounts before, the automatic teller machine 1 receives information on these remittances from the server 30. Receive.

  FIG. 4B shows a situation in which it is displayed that the customer can select the current remittance destination from the list based on the transfer destination history information received by the automatic teller machine 1. In the message area 5E of the display unit 5, a message “You can transfer money to the previous bank account” is displayed, and the buttons 5K and 5L on the screen for specifying the previous bank account and the previous bank account are not used. A button 5M on the screen for designating a new transfer destination is displayed. Information displayed on the buttons 5K and 5L on the screen can be appropriately designed based on information included in the transfer destination history information. For example, when certain bank account information is “A bank B branch, savings account, account number CDEFGH”, the information displayed on the buttons 5K and 5L on the screen is the bank account information. You may display as an upper button, and may display only the name of the holder contained in this transfer account information. FIG. 4B shows, as an example, that the customer designates a nominee named “BBB-like” displayed on the button 5L on the screen. Information displayed on the buttons 5K and 5L on the screen may be specified or edited by the customer. For example, a button for customizing the operation screen by the customer is added to the operation screen shown in FIG. 4A, and the button 5K on the screen is selected from the list of past transfer history by the customer. Information displayed on 5L may be set.

  FIG. 4C shows a situation in which the customer is prompted to input and confirm the remittance amount after the transfer destination account is specified. In the message area 5E of the display unit 5, a message “please confirm the amount” is displayed. The input and confirmation of the remittance amount is the same as that shown in FIGS. 3 (a) to 3 (c). However, in the operation screen using the transfer destination history information shown in FIG. Character information or voice information can be provided to the customer using information included in the transfer destination history information that is associated with the account designated by. Specifically, the server 30 according to the present embodiment associates character information, voice information, or the like with a customer identifier representing the customer using the data structure of the history information database 70 described later with reference to FIG. And the information can be provided to the customer via the automatic teller machine 1. For example, when the customer designates a remittance account “BBB”, the automatic teller machine 1 uses the audio signal generation unit 15 to read out an audio signal including the reading of the holder of the remittance account and a predetermined wording. It is possible to generate and transmit to the customer the voice “Transfer to BBB?” From the handset 10 in the form of bone conduction voice. The character information to be read out is not limited to the account holder name, but may be character information set in advance by the customer. For example, the customer may register character information or voice information “first grandchild I-chan” representing certain bank account information. Therefore, the customer of the automatic teller machine 1 according to the present invention can register text information or voice information familiar to the customer himself / herself in the bank account information, and can select a customer more easily and reliably.

  In this way, the customer of the automatic teller machine 1 uses past transaction information accumulated as the transfer destination history information, and leaks to the surroundings via the character information displayed on the display unit 5 and the handset 10. As a bone conduction voice that is transmitted without any problem, the transaction details can be easily confirmed before the settlement instruction. Therefore, the automatic teller machine 1 according to the present invention can prevent a customer's operation mistake.

  FIG. 5 is a diagram showing a data structure of the history information database 70 stored in the history information storage unit 32 of the server 30 according to the embodiment of the present invention. In the automatic transaction system 50 in which the server 30 and the automatic teller machine 1 are communicably connected to each other, the server 30 stores the information stored in the history information database 70 based on a transmission request from the automatic teller machine 1. You can search.

  As shown in FIG. 5, in the data structure of the history information database 70 of this embodiment, customer information, account information, remittance history information, and related information are associated with each customer identifier. FIG. 5 shows a data structure including the history of remittance by ATM. However, the data structure of the history information database 70 is not limited to the history of remittance, and various transaction records and text information or voice provided to customers. It can be used to accumulate and store information. For example, when an automatic transaction is completed in any ATM, one identifier (for example, a customer identifier in the history information database 70) is used for the automatic transaction, and the use of bone conduction used in the automatic transaction is used. Information such as presence / absence is associated with each other and stored in the history information database 70. Further, for example, the server 30 stores the character identifier or voice information associated with the customer identifier using the data structure of the history information database 70, and stores the information via the automatic teller machine 1. Can be provided.

  The customer identifier is provided to identify one operation at the ATM. The customer information is information on a customer authenticated by the user authentication unit 12 at the time of ATM operation. Account information is information on an account in which a transaction has been performed. The remittance history information is information of remittance history in one ATM operation. The related information is used, for example, for storing whether or not audio transmission by bone conduction is performed for each ATM operation identified by the customer identifier, but is not limited thereto.

  In the history information database 70 illustrated in FIG. 5, the information associated with the customer identifier “00123” and the information associated with the customer identifier “00124” both include the same customer information “customer 02011”. Therefore, in this example, the customer whose customer information is “customer 02011” has remittance histories of “history 00123” and “history 00124” as remittance destination history information. When the automatic teller machine 1 requests the server 30 to transmit the transfer destination history information associated with the “customer 02011”, the server 30 transfers the transfer destination history including these “history 00123” and “history 00124”. Information can be sent. Then, the automatic teller machine 1 can receive the transfer destination history information including “history 00123” and “history 00124”, and receives the information of the remittance destination including the remittance destination account included in these transfer destination history information. be able to.

  In this way, in the automatic transaction system 50 in which the server 30 and the automatic teller machine 1 are communicably connected according to the present invention, the automatic teller machine 1 is a transfer destination associated with specific customer information. The history information is received, and the buttons 5K, 5L, etc. on the screen for designating the previous transfer destination shown in FIG.

  FIG. 6 is a flowchart illustrating the operation of the automatic teller machine 1 according to the embodiment of the invention. Hereinafter, although bone conduction is illustrated, finger conduction can be similarly performed.

  In step S101, the automatic teller machine 1 displays a transaction menu. For example, as illustrated in FIG. 3A, buttons 5 </ b> A to 5 </ b> D on the screen representing “payout”, “payment”, “transfer”, and “balance check” are displayed in a predetermined area of the display unit 5. The

  In step S102, the automatic teller machine 1 accepts a card or a passbook. In step S103, the automatic teller machine 1 performs customer authentication. That is, the automatic teller machine 1 accepts a passbook or a card in the same manner as a normal ATM, and authenticates that a customer is a qualified person for a transaction of a specific account. This customer authentication includes medium authentication, voice authentication, and biometric authentication. Specific examples include, but are not limited to, medium authentication using a magnetic card, contact or non-contact integrated circuit card, etc .; voice authentication using a voiceprint; biometric authentication such as fingerprint authentication, iris authentication, palm vein authentication, face authentication, and the like.

  In step S104, the automatic teller machine 1 determines whether or not to use bone conduction. If the determination result is true, the process proceeds to step S105, and if it is false, the process proceeds to step S115. For this determination, the customer authentication in the previous step S103 is used. For example, when the automated teller machine 1 authenticates that a customer is a qualified person for an account transaction by using an IC card, the customer performs voice transmission via bone conduction based on information stored in the IC card. You may authenticate that it is the object to provide. Similarly, at the time of palm vein authentication as a qualified person authentication for account transactions, the customer's personal information authenticated as a qualified person is referred to in the same manner as a normal ATM, and based on the record of the personal information, It may be verified that the customer is an object providing audio transmission via bone conduction. Therefore, the customer of the automatic teller machine 1 can be provided with audio transmission via bone conduction without adding an additional authentication operation for using bone conduction.

  In step S105, the automatic teller machine 1 accepts input of a remittance destination account. In step S106, the automatic teller machine 1 accepts an input of the remittance amount. The input of the remittance destination account and remittance amount in these steps is accepted by the operation accepting unit 4. At this time, a voice from a customer recognized using the bone conduction microphone 17 and the voice recognition unit 18 may be received by the operation reception unit 4 as an input of a remittance destination account and a remittance amount.

  In step S107, the automatic teller machine 1 generates numeric data from the remittance amount. That is, for the number of remittance received by the operation reception unit 4, the number data generation unit 14 recognizes the input number and the end of the number, and generates number data with digit information added. For example, numeric data to which digit information is added in a format such as “tens of thousands of yen” or “thousands of yen” along with the input numbers is generated. The generated numeric data can be displayed in the area 5J for displaying the numeric value of the amount of money on the display unit 5, as shown in FIG.

  In step S108, the automatic teller machine 1 generates an audio signal. This voice signal includes reading out the numeric data with digit information generated in step S107 in the previous stage.

  In step S109, the automatic teller machine 1 transmits an audio signal by bone conduction. The customer can visually recognize the numeric data to which the digit information is added as characters displayed on the display unit 5 and can listen to the voice through bone conduction without leakage to the surroundings. Accordingly, it is possible to prevent an account designation or a remittance amount error due to a key typo.

  In step S110, the automatic teller machine 1 accepts an input of a remittance instruction. In step S111, the automatic teller machine 1 executes a remittance process in accordance with the remittance instruction.

  If voice transmission via bone conduction is not provided by the determination in step S104 described above, the automatic teller machine 1 can perform transmission processing similar to normal ATM. That is, in step S115, the automatic teller machine 1 accepts input of a remittance destination account. In step S116, the automatic teller machine 1 accepts an input of the remittance amount. In step S120, the automatic teller machine 1 accepts an input of a remittance instruction. In step S121, the automatic teller machine 1 executes a remittance process according to the remittance instruction.

  In this way, the automatic teller machine 1 reads out the operation content to the customer who needs the assistance of the voice guidance through the bone conduction, and the numeric data with the digit information added thereto in the form of characters and voices. It can be provided to customers, and customer operation errors can be prevented.

  FIG. 7 is a flowchart illustrating the operations of the automatic teller machine 1 and the server 30 according to the embodiment of the invention.

  The processing in step S201 and step S202 is the same as the processing in step S101 and step S102 shown in FIG.

  In step S203, the automatic teller machine 1 performs customer authentication. At this time, the automatic teller machine 1 refers to the transfer destination history information stored and stored in the history information storage unit 32 of the server 30 for the authenticated customer. Request transmission.

  In step S <b> 204, the server 30 searches the history information storage unit 32 for the transfer destination history information of the customer. In step S205, the server 30 transmits the search result to the automatic teller machine 1.

  In step S206, the automatic teller machine 1 receives a transfer destination operation and receives a search result. The transfer destination operation reception is to receive transfer destination information input by a customer who operates the automatic teller machine 1. The search result reception is the transfer destination history information of the customer received from the server 30. Accordingly, at the stage of step S206, the automatic teller machine 1 is in a state of acquiring the transfer destination information input by the customer and the transfer destination history information of the customer.

  In step S207, the automatic teller machine 1 determines whether the transfer destination is included in the transfer destination history information. If the determination result is true, the process proceeds to step S208, and if it is false, the process proceeds to step S215.

  In step S208, the automatic teller machine 1 performs remittance destination list display and selection reception. As shown in FIG. 4B, the remittance destination list display can be shown to the customer in the form of buttons 5K and 5L on the screen for designating the previous transfer destination. In the selection reception, the operation reception unit 4 indicates that the customer selects one of the buttons on the screen from the remittance list display and the button 5M on the screen for designating a new transfer destination that is not the previous transfer destination. Is to accept.

  In step S209, the automatic teller machine 1 generates an audio signal representing a remittance destination. In the automatic teller machine 1, the voice signal generation unit 15 generates a voice signal including the reading of the holder of the remittance destination account and a predetermined wording.

  In step S210, the automatic teller machine 1 transmits an audio signal by bone conduction. That is, the audio signal generated in the previous step S209 is transmitted from the handset 10 to the customer in the form of bone conduction audio.

  In step S220, the automatic teller machine 1 performs a remittance process (steps S105 to S111 or steps S115 to S121). This remittance process is the same as the remittance process described with reference to FIG.

  If it is determined in step S207 that the transfer destination is not included in the transfer destination history information, the automatic teller machine 1 accepts input of the remittance destination account in step S215, and proceeds to step S220 to perform the remittance process.

  Thus, the automatic teller machine 1 according to the present invention uses the transfer destination history information stored and stored in the history information storage unit 32 of the server 30 and includes reading the name of the remittance account. An audio signal can be generated and transmitted to the customer as bone conduction audio. Therefore, the customer can easily confirm the transaction contents at the time before the settlement instruction from the character information displayed on the display unit 5 and the bone conduction voice transmitted without leakage to the surroundings through the handset 10, The payer 1 can prevent customer operation errors.

  FIG. 8 is a diagram illustrating an example of a hardware configuration of the automatic teller machine 1 and the server 30 according to the embodiment of the present invention. The cash dispenser 1 and the server 30 are connected to each other by a host controller 1001, a CPU peripheral unit having a CPU 1002, a RAM 1003, a graphic controller 1004, and a display device 1005, and an input / output controller 1006 to the host controller 1001. An input / output unit having a communication interface 1007, a hard disk drive 1008, and a CD-ROM drive 1009 to be connected, and a legacy input / output having a ROM 1010, a flexible disk drive 1011 and an input / output chip 1012 connected to the input / output controller 1006 A part.

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

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

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

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

  The program executed by the CPU 1002 is caused to function as the automatic teller machine 1 and the server 30 described with reference to FIGS. The automatic transaction program executed by the CPU 1002 displays a transaction signal on a screen, a step of receiving a transaction operation by a customer based on the transaction item, and an audio signal according to an operation of the operation reception unit. Causing the computer to perform the steps of generating and converting the audio signal into mechanical vibration and transmitting it to the customer by bone conduction or finger conduction.

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

DESCRIPTION OF SYMBOLS 1 Automatic teller machine 4 Operation reception part 5 Display part 10 Handset 14 Numerical data generation part 15 Audio | voice signal generation part 16 Bone conduction speaker 17 Bone conduction microphone 20 Network 30 Server 32 History information storage part

Claims (10)

A display for displaying transaction items on the screen;
An operation accepting unit that accepts a transaction operation by a customer based on the transaction item;
An audio signal generation unit that generates an audio signal according to the operation received by the operation reception unit;
A vibration transmission unit that converts the audio signal into mechanical vibration and transmits it to the customer by bone conduction or finger conduction;
An automatic transaction apparatus comprising: Furthermore, in the operation of the customer received by the operation receiving unit, a number data generating unit for recognizing the input number and the end of the number and generating number data with digit information added thereto,
The voice signal generation unit generates a voice signal with digit information added based on the numeric data generated by the numeric data generation unit.
The automatic transaction apparatus according to claim 1. Further, the display unit displays on the screen a number to which digit information is added based on the number data generated by the number data generation unit.
The automatic transaction apparatus according to claim 2. Furthermore, a transmission / reception unit for communicably connecting to a server device including a history information storage unit that stores and stores transfer destination history information registered in advance is provided,
The transmission / reception unit receives the transfer destination history information from the server device,
The audio signal generation unit generates an audio signal based on the transfer destination history information when the transfer destination information received by the operation reception unit is included in the transfer destination history information received by the transmission / reception unit.
The automatic transaction apparatus according to claim 1. Furthermore, a customer authentication unit for authenticating the customer is provided,
When the customer is authenticated by the customer authentication unit, the vibration transmission unit converts the audio signal into a mechanical vibration and transmits it to the customer by bone conduction or finger conduction.
The automatic transaction apparatus according to claim 1. The customer authentication by the customer authentication unit includes medium authentication, voice authentication and biometric authentication,
The automatic transaction apparatus according to claim 5. A handset including the vibration transmission unit;
The customer authentication unit recognizes the customer when the customer starts using the handset,
The audio signal generation unit starts generating an audio signal according to an operation of the operation reception unit when the customer is authenticated by the customer authentication unit.
The automatic transaction apparatus according to claim 5. In addition, a bone conduction microphone,
A voice recognition unit that recognizes the customer's vocal cord vibration sensed by the bone conduction microphone as a voice signal, and
The operation accepting unit accepts information recognized by the voice recognition unit as a transaction operation by the customer.
The automatic transaction apparatus according to claim 1. A server device and a terminal,
The server device
A transmission / reception unit for communicably connecting to the terminal;
A history information storage unit for accumulating and storing transfer destination history information registered in advance,
The terminal
A display for displaying transaction items on the screen;
An operation accepting unit that accepts a transaction operation by a customer based on the transaction item;
An audio signal generation unit that generates an audio signal in response to an operation of the operation reception unit;
A vibration transmission unit that converts the audio signal into mechanical vibration and transmits it to the customer by bone conduction or finger conduction;
A transmission / reception unit for communicably connecting to the server device,
The transmission / reception unit of the terminal receives the transfer destination history information from the server device,
The audio signal generation unit generates an audio signal based on the transfer destination history information when the transfer destination information received by the operation reception unit is included in the transfer destination history information received by the transmission / reception unit.
Automated trading system. Displaying transaction items on the screen;
Receiving a transaction operation by a customer based on the transaction item;
Generating an audio signal in response to an operation of the operation receiving unit;
Converting the audio signal into mechanical vibration and transmitting to the customer by bone conduction or finger conduction;
An automated trading program that causes a computer to execute.

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