JP4961729B2 - Account transaction system and account transaction method - Google Patents

Description

  The present invention relates to an account transaction system and an account transaction method, and more particularly to an account transaction system and an account transaction method that can display an avatar on an automatic transaction apparatus.

  2. Description of the Related Art Conventionally, in an automatic transaction apparatus (hereinafter simply referred to as ATM (Auto Teller Machine)), a screen (operation / display unit) including information such as personal information and account information of a customer (user) to be operated is displayed. ) Is displayed. Such information is generally displayed with letters and numbers. In addition, when a customer performs a transfer operation, information such as the bank name, bank number, and account information of the bank where the account of the transfer destination (the other party) is registered is displayed in letters and numbers. ing.

  As such, for example, “an input unit for inputting numbers and the like using a touch panel, an input / output unit for reading and writing the contents of a storage medium such as a card or a passbook, an output unit such as an LCD screen, and an input / output unit for banknotes” When a transaction is carried out in a device comprising an output unit that prints on a passbook, a statement slip, and a control unit that controls each input / output unit, a part of the touch screen or card or passbook input information is read, and the LCD screen There has been proposed "ATM characterized in that the size of display characters or characters printed on passbook / detail slips is variable" (see, for example, Patent Document 1).

  In addition, with the spread of the Internet in recent years, many services such as bulletin boards, chats, and mailing lists have been provided. Users who use such services have often used various services by setting and registering their avatars as communication tools with other users. And the side which provides a service is also aiming at the enhancement of an avatar function so that it may respond to a user's needs.

As such, for example, “content information acquisition means for acquiring content information that is information related to the content being played back from a content playback device that receives and plays back content in real time; and content information from other communication terminals. Information indicating the other communication terminal when the received content information receiving means, the content information received from the other communication terminal, and the content information acquired from the content reproduction device are information relating to the same content A communication terminal provided with an output means for outputting "is proposed (for example, see Patent Document 2).

JP-A-10-105784 JP 2005-269557 A

  The ATM described in Patent Document 1 can change the size of characters displayed on an LCD screen (liquid crystal display) according to the user. That is, the object is to improve the operability of ATM by changing the size of characters. However, since only the characters displayed on the LCD screen are targeted, there is a problem that it is difficult to confirm depending on the font and the number of characters of the displayed characters. Also, when performing a transfer operation using ATM, there is also a problem that the transfer destination information is displayed in characters, so that it is difficult to confirm and the transfer is made by mistake.

  The communication terminal described in Patent Document 2 is intended to realize communication in which a “feeling of connection” can be felt with other viewers when viewing content distributed in real time. However, avatars are generally used as a communication tool between users who share a common service, and are not used in ATMs. In other words, ATM is centered on a one-to-one transaction between the customer and the bank (or bank account) used by the customer. Further, for security reasons, communication between customers is not assumed, and an avatar is added to the ATM. It was never used.

  The present invention has been made to solve the above problems, and provides an account transaction system and an account transaction method in which an avatar used in a communication terminal or the like is displayed on an ATM.

An account transaction system according to the present invention manages an account host that manages account transactions, an automatic transaction apparatus that processes a transaction requested by a customer through communication with the account host, and customer information set from an external setting terminal device An account transaction system including a setting information management server that can be set for each customer via a setting terminal device, and an avatar for expressing the customer is managed in the setting information management server avatar data server, and a setting information database that stores in association with the account number of the customer set an avatar and the avatar of each customer set through the avatar data server is connected, the setting information managing server, the transfer transaction in, the transfer destination automated teller machine is specified, associated with the account number of the counterparty is this designated transfer destination a Ter and wherein the to be displayed on the automated teller machine.

An account transaction method according to the present invention includes an automatic transaction apparatus that processes a transaction requested by a customer through communication with an account host that manages account transactions, and a setting information management server that manages customer information set from a setting terminal apparatus. An account transaction method comprising: a step of setting an avatar for expressing the customer from a setting terminal device; and a step of associating and registering the avatar and the account number of the customer who set the avatar When the automatic transaction apparatus is operated by the customer in the transfer transaction and the transfer destination is designated, the setting information management server sends the avatar associated with the account number of the counterparty who is the transfer destination to the automatic transaction apparatus. It is characterized by being displayed.

An account transaction system according to the present invention manages an account host that manages account transactions, an automatic transaction apparatus that processes a transaction requested by a customer through communication with the account host, and customer information set from an external setting terminal device An account transaction system including a setting information management server that can be set for each customer via a setting terminal device, and an avatar for expressing the customer is managed in the setting information management server avatar data server, and a setting information database that stores in association with the account number of the customer set an avatar and the avatar of each customer set through the avatar data server is connected, the setting information managing server, the transfer transaction in Table avatar associated with the account number of the counterparty is a specified transfer destination automatic transaction apparatus to the automated teller machine Because to, the transfer destination can be easily confirmed.

An account transaction method according to the present invention includes an automatic transaction apparatus that processes a transaction requested by a customer through communication with an account host that manages account transactions, a setting information management server that manages customer information set from a setting terminal apparatus, and An account transaction method comprising: a step of setting an avatar for expressing the customer from a setting terminal device; and a step of associating and registering the avatar and the account number of the customer who set the avatar When the automatic transaction apparatus is operated by the customer in the transfer transaction and the transfer destination is designated, the setting information management server sends the avatar associated with the account number of the counterparty who is the transfer destination to the automatic transaction apparatus. Since it is displayed, the transfer destination can be easily confirmed.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing a schematic configuration of an account transaction system 100 according to an embodiment of the present invention. The account transaction system 100 includes an ATM 40, an account host 10, a setting information management server 20, and an avatar data server 60. The setting terminal device 50 is connected to the setting information management server 20 and the avatar data server 60 via the network 1.

  The ATM 40 is a device capable of depositing, withdrawing, and transferring money with a cash card or bankbook, and is installed in a store such as a bank or a convenience store. The ATM 40 includes a touch panel unit 41 for a customer to input an operation instruction, a processing unit 42 for performing processing according to the operation of the touch panel unit 41, and an I for communicating with the bill host 10 and the setting information management server 20. / F (interface) unit 43 is provided.

  The touch panel unit 41 is configured by a display device such as a CRT (CRT) or an LCD, and can be operated when a customer contacts it. The processing unit 42 processes information transmitted from the account host 10 and the setting information management server 20 in accordance with instructions from the customer. For example, the processing unit 41 may be configured by a CPU (Central Processing Unit) in a computer system. The I / F unit 43 is connected to the I / F unit 11 of the billing host 10 and the I / F unit 21 of the setting information management server 20 to transmit and receive various information.

  The account host 10 manages transactions performed at the ATM 40, and the PIN number, account number, deposit ledger data, etc. for each customer who uses the ATM 40 are stored in a storage means (not shown). Further, the billing host 10 is provided with an I / F unit 11 for communicating with the ATM 40. The I / F unit 11 is connected to the I / F unit 43 of the ATM 40 and executes a transaction with the customer based on the customer information transmitted from the ATM 40.

  The setting information management server 20 is managed and operated by a financial institution such as a bank, a post office, or a credit sales company. The setting information management server 20 is connected to a setting information database 30 that stores transaction history information for each customer. The setting information database 30 stores avatars set for each customer (see FIG. 2). Here, in order to improve security, the case where the setting information database 30 is provided outside the setting information management server 20 is shown as an example, but the present invention is not limited to this. For example, the setting information database 30 may be provided in the setting information management server 20 if advanced security measures can be taken.

  The setting information management server 20 is provided with an I / F unit 21 for communicating with the ATM 40. The I / F unit 21 is connected to the I / F unit 43 of the ATM 40 and stores transaction information transmitted from the ATM 40 in the setting information database 30. Here, a case where the account host 10 and the setting information management server 20 are configured by different networks is shown as an example. In this way, more advanced security measures can be realized. However, an ATM server having a function of distributing communication between the billing host 10 and the setting information management server 20 may be provided and connected by a single network.

  Further, an avatar data server 60 is connected to the setting information management server 20. The avatar data server 60 is configured to set and manage avatars. An avatar is an original character unique to a customer made by freely selecting a face, hairstyle, clothes, belongings, etc. on the Internet, and is used in a virtual community as a customer's own character. That is, it is possible to apply the avatar used as a communication tool to the automatic transaction using the ATM 40 so as to differentiate from other customers, eliminate the mistake of the transfer destination, and the like.

  An avatar database 70, an item database 80, and a custom database 90 are connected to the avatar data server 60. The avatar data server 60 is provided with an I / F unit 61 for communicating with the setting information management server 20 and the setting terminal device 50. The I / F unit 61 is connected to the I / F unit 21 of the setting information management server 20 and the I / F unit 53 of the setting terminal device 50 to set the avatar set / changed in the setting terminal device 50 to the setting information management server 20 is transmitted.

  The avatar database 70 stores a plurality of types of avatars that can be set by the customer (see FIG. 3). Items that can be added to the avatar are stored in the item database 80 (see FIG. 4). The item is stored in accordance with the customer's credit rating rank. In other words, items that can be added are determined by the credit rating rank of the customer. The credit rating may be determined by the financial institution from the transaction results at the financial institution. For example, a financial institution may set a customer with a high credit rating rank as A rank, a slightly higher customer as B rank, and a normal customer as C rank.

  The custom database 90 stores custom data that can be registered by the customer from the setting terminal device 50 (see FIG. 5). This custom data is image data such as a company logo or a logo that is designed by the customer and designed by the customer. For example, the logo mark includes a figure, a letter, and a combination of a figure and a character. However, it is recommended that only logo marks that have been judged to have no public order and morals or legal problems (such as the Unfair Competition Prevention Act) after being examined by financial institutions be registered as custom data.

  In addition, although the case where the avatar database 70, the item database 80, and the custom database 90 are separately independent is shown here as an example, it is not limited to this. For example, if it can play the role of these databases, it may be constructed with one database. Moreover, although the case where these databases are provided outside the avatar data server 60 is shown as an example, it is not limited to this. For example, these databases may be provided in the avatar data server 60 and may be set corresponding to the system construction of the financial institution.

  The setting terminal device 50 is connected to the setting information management server 20 and the avatar data server 60 via the network 1, and the customer sets, changes, and registers the avatar. The network 1 may be wired or wireless. For example, the setting terminal device 60 includes a personal computer used in homes and businesses, and a portable terminal device represented by a mobile phone. That is, any device that can access a service such as a home page provided and operated by a financial institution may be used. Here, although the setting information management server 20 also provides a web service, it may be routed through a separately provided web server. Here, the case where the setting terminal device 50 includes the operation / display unit 51, the processing unit 52, and the I / F unit 53 is shown as an example, but the present invention is not limited to this.

Next, the contents of each database will be described.
FIG. 2 is an explanatory diagram showing the contents of the avatar database 70. The avatar database 70 stores an avatar ID and corresponding data. In FIG. 2, “male picture” is stored in avatar 1, “female picture” is stored in avatar 2, and “animal picture” is stored in avatar 3. Note that, here, a case where there are three types of avatars that can be set is shown as an example, but the present invention is not limited to this, and more avatars may be stored. It's also good to be able to add new avatars.

  FIG. 3 is an explanatory diagram showing the contents of the item database 80. The item database 80 stores items that can be added to the avatar according to the customer's credit rating rank. In FIG. 3, “Boshi” is stored for item 1, “flower” for item 2, “T-shirt” for item 3, “back” for item 4, and “pet” for item 5. ing. These items are associated with the customer's credit rank.

  For example, in FIG. 3, a customer with credit rank A can use all items, a customer with credit rank B cannot use item 5, and a customer with credit rank C 4 and item 5 cannot be used. Thus, since the item which can be added to an avatar can be changed according to a customer's credit rating rank, the credit rating of the customer can be recognized at a glance by the item added to the avatar.

  In addition, when a customer's credit rating rank goes up, it is good to be able to alert | report to a customer through the setting information management server 20 from a financial institution. For example, when the customer uses ATM 40, it may be notified by additionally displaying it on the customer's avatar or by displaying a word to the effect that the customer's credit rating rank has been increased. Here, the case where there are five types of items that can be added is shown as an example, but the present invention is not limited to this, and more items may be stored. Moreover, it is good to be able to add a new item.

  FIG. 4 is an explanatory diagram showing the contents of the custom database 90. The custom database 90 stores custom data such as logo marks registered by customers. FIG. 4 shows an example where the customer who uses the custom database 90 is a company. A company often has a logo mark with an image of a company emblem or company name. If such a logo mark can be registered as custom data, the logo mark is displayed in addition to the display of characters, avatars, etc., so that the transfer destination can be easily confirmed.

  For example, the logo mark includes a corporate image designed or a company name written in letters. Even one company may have a plurality of logo marks. In order to respond to such a request, it is preferable that a plurality of custom data can be registered in the custom database 90. However, as described above, the logo mark to be registered should be limited to those that have been examined by a financial institution.

  4 shows that the company 1 has registered the image data 1-1 in the custom data 1, the image data 2-1 in the custom data 2, and the image data 3-1 in the custom data 3. . In addition, the company 2 indicates that the image data 2-2 is registered in the custom data 2, and the company 3 indicates that the image data 1-3 is registered in the custom data 1. For example, the image data 1-1 registered by the company 1 is a logo mark written in letters, the image data 2-1 is a stylized logo mark, and the image data 3-1 combines them. The case where it is a logo mark is assumed.

  Similarly, it is assumed that the image data 2-2 registered by the company 2 is a stylized logo mark, and the image data 1-3 registered by the company 3 is written in characters. It is assumed that it is a logo mark. Note that the image data 1-1 registered by the company 1 and the image data 1-3 registered by the company 3 represent logo marks registered by the respective companies. Further, although custom data registered in the custom database 90 has been described by taking a company logo as an example, it is not limited to this. For example, a customer other than a company may register custom data, or may register something other than a logo mark (for example, an original character created).

  FIG. 5 is an explanatory diagram showing the contents of the setting information database 30. The setting information database 30 stores an avatar set for each customer, items added to the avatar, custom data, and the like in association with the account number and store number of the customer. FIG. 5 shows that the customer of the store number 001 and the account number 12345 has registered the avatar 1, item 1, item 2, and item 5. That is, when this customer uses ATM 40, the “male picture” corresponding to avatar 1 has “bow” corresponding to item 1, “flower” corresponding to item 2, and “pet” corresponding to item 5. It is added and displayed. Since the item 5 is displayed, it can be seen that this customer has the credit rank A.

  Further, it is shown that the customer of the store number 001 and the account number 67890 has registered the avatar 2 and the item 3. That is, when the customer uses ATM 40, the “T-shirt” corresponding to the item 3 is added to the “female picture” corresponding to the avatar 2 and displayed. Since item 3 is displayed, it can be seen that this customer has a credit rank B or higher.

  Similarly, it is shown that the customer of the store number 002 and the account number 34567 has registered the avatar 3 and the item 4. That is, when the customer uses the ATM 40, the “animal picture” corresponding to the avatar 3 is displayed superimposed on the “back” corresponding to the item 4. Since the item 4 is displayed, it can be seen that this customer has a credit rank B or higher.

  Further, it is indicated that the customer of the store number 002 and the account number 56789 has registered the custom data 1 and the custom data 2. That is, when this customer uses ATM 40, a logo mark corresponding to custom data 1 and a logo mark corresponding to custom data 2 are displayed. For example, it can be assumed that the logo mark corresponding to the custom data 1 is a designed logo mark, and the logo mark corresponding to the custom data 2 is a logo mark designed with characters.

  Similarly, it is shown that the customer of the store number 003 and the account number 67890 has registered the custom data 1 and the custom data 3. That is, when the customer uses the ATM 40, a logo mark corresponding to the custom data 1 and a logo mark corresponding to the custom data 3 are displayed. For example, it can be assumed that the logo mark corresponding to the custom data 1 is designed and the logo mark corresponding to the custom data 3 is a combination of a figure and characters.

  Here, the case where the customer himself / herself uses ATM 40 is shown as an example, but when a customer who has registered custom data is designated as a transfer destination, the transfer destination is transferred to the touch panel unit 41 of ATM 40 in which the transfer destination is specified. Custom data can be displayed. In this way, when you specify the transfer destination, not only letters and numbers but also custom data such as logo marks will be displayed, and it is possible to reduce mistakes in specifying the transfer destination Become.

  FIG. 6 is an explanatory diagram illustrating an example of a display screen displayed on the touch panel unit 41. FIG. 6 shows a screen when a customer who uses the ATM 40 is specified. That is, the screen is displayed when a customer inserts a card issued by a financial institution into the ATM 40. Here, a case where an avatar set by the customer is displayed is shown as an example. When a desired transaction key is touched by the customer, the ATM 40 executes the transaction.

  FIG. 7 is an explanatory diagram illustrating an example of a transfer confirmation screen displayed on the touch panel unit 41. FIG. 7 shows a screen on which the customer finally confirms the transfer operation. In other words, the financial institution or branch name, bank account, account number, name (company name), etc. of the designated bank account are displayed in letters and numbers, and in addition to these, the bank account is registered. An avatar is also displayed. Therefore, it is easy to determine whether or not the transfer destination designated by the avatar is correct by the displayed avatar.

  Here, the case where the transfer destination is an individual is shown as an example, but the present invention is not limited to this, and the transfer destination may be a company. When the transfer destination is a company, an avatar or custom data registered by the company is displayed. That is, an avatar or a logo mark registered by the company is displayed, and it is easy to confirm whether or not the designated company is a transfer destination. Moreover, since the credit rating rank of the customer can be known from the item added to the avatar, it can be used as a guideline for trusting the transfer destination. That is, a transfer fraud etc. can be prevented beforehand by the credit rating rank of the customer designated as the transfer destination.

Next, the flow at the time of transfer of the account transaction system 100 will be described.
FIG. 8 is a flowchart showing a flow when a transfer transaction is performed. First, when a customer who wants to make a transfer transaction using the ATM 40 approaches the ATM 40, the ATM 40 displays an initial screen on the touch panel unit 41. Then, a transaction with the customer is started. Next, the ATM 40 requests the customer to insert a card (step S101). When the card is inserted, the ATM 40 communicates with the bill host 10 to identify the customer. This customer may be specified using personal authentication such as a 4-digit number or biometrics.

  When the customer is specified, the ATM 40 displays a display screen on which a plurality of transaction keys are arranged in order to start a desired transaction of the customer (see FIG. 6). When the transfer key is touched by the customer (step S102), the ATM 40 switches to a screen for specifying the transfer destination. The transfer transaction using ATM includes a case of transferring by cash, a case of transferring by a card, a case of transferring by a bankbook, etc. Here, the case of transferring by a card will be described as an example. That is, ATM40 installed in the convenience store is assumed.

  The ATM 40 causes the customer to select the business form of the transfer destination (step S103). In other words, it is made to select whether the transfer destination is an individual or a company. When the business type is selected, the ATM 40 selects a financial institution having a transfer destination account (step S104). Financial institutions include banks and post offices. When the bank is selected, the ATM 40 selects the branch name of the bank (step S105). When a post office is selected, the selection of a branch is omitted.

  Then, the account number of the transfer destination is input (step S106). When all the transfer destination information is input, the ATM 40 next inputs the transfer amount (step S107). When the contents so far are input, the ATM 40 communicates with the account host 10 and specifies the transfer destination of the input information (step S108). On the other hand, the ATM 40 also communicates with the setting information management server 20 to display the avatar and custom data registered by the customer designated as the transfer destination on the touch panel unit 41 (step S109).

  That is, ATM40 displays the avatar and custom data which the transfer destination registered with the information on the transfer destination specified from the input information, and confirms the transfer content (step S110). Therefore, the transfer destination information is not only displayed with letters and numbers but also displayed with an avatar, custom data, and the like (see FIG. 7), so that the transfer destination can be easily confirmed.

  When the customer confirmation operation is completed, the ATM 40 executes a transfer transaction by communicating with the account host 10 (step S111). As shown in FIG. 7, when the customer touches the confirmation key displayed on the transfer confirmation screen, it is determined that the confirmation of the transfer contents has been completed. When the transfer is made from the customer to the transfer destination, the card inserted by the customer and the schedule including the transfer record are discharged (step S112). The ATM 40 displays “Thank you for using” on the touch panel unit 41 (step S113). In this way, the transfer transaction is completed.

  In addition, although the case where the customer who performs a transfer transaction performs the transfer transaction after inserting his / her card into the ATM 40 has been described as an example, the present invention is not limited thereto. For example, a transfer transaction may be performed with cash or a passbook without using a card. In addition, a transfer card in which transfer destination information is registered may be used. In this case, the trouble of designating the transfer destination can be omitted.

  Further, the financial institution can transmit information to the customer by using the avatar set by the customer. For example, in a point service provided by a financial institution, point accumulation information corresponding to each customer can be notified using an avatar. In this way, the customer can easily recognize his / her point accumulation information when using the ATM 40.

It is a block diagram which shows schematic structure of the account transaction system which concerns on embodiment. It is explanatory drawing which shows the content of the avatar database. It is explanatory drawing which shows the content of the item database. It is explanatory drawing which shows the content of a custom database. It is explanatory drawing which shows the content of the setting information database. It is explanatory drawing which shows an example of the display screen displayed on a touch panel part. It is explanatory drawing which shows an example of the transfer confirmation screen displayed on a touch panel part. It is a flowchart which shows the flow at the time of performing transfer transaction.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Account host, 11 I / F part, 20 Setting information management server, 21 I / F part, 30 Setting information database, 40 ATM (automatic transaction apparatus), 41 Touch panel part, 42 Processing part, 43 I / F part, 50 Setting terminal device, 51 display / operation unit, 52 processing unit, 53 I / F unit, 60 avatar data server, 61 I / F unit, 70 avatar database, 80 item database, 90 custom database, 100 account transaction system.

Claims (9)

An account host that manages account transactions, an automatic transaction device that processes a transaction requested by a customer through communication with the account host, and a setting information management server that manages customer information set from an external setting terminal device Account transaction system,
In the setting information management server,
An avatar data server that can be set for each customer via the setting terminal device and in which an avatar for expressing the customer is managed;
A setting information database that stores an avatar for each customer set through the avatar data server in association with an account number of a customer who sets the avatar is connected.
The setting information management server
In the transfer transaction,
When a transfer destination is designated by the automatic transaction apparatus, an avatar associated with an account number of a counterparty who is the designated transfer destination is displayed on the automatic transaction apparatus. In the avatar data server,
An avatar database for storing multiple avatars;
The account transaction system according to claim 1, wherein an item database storing a plurality of items that can be added to the avatar is connected. In the item database,
The account transaction system according to claim 2, wherein items that can be added to the avatar set by the customer are determined according to the creditworthiness of the customer. In the avatar data server,
The account transaction system according to any one of claims 1 to 3, wherein a custom database storing custom data set by a customer is connected. Custom data stored in the custom database includes:
The account transaction system according to claim 4, wherein a logo representing a company is included. In the automatic transaction apparatus,
The account transaction system according to any one of claims 1 to 5, wherein customer information of the customer is displayed in addition to the avatar set by the customer who operates the automatic transaction apparatus. In the automatic transaction apparatus,
The account transaction system according to any one of claims 1 to 5, wherein customer information of the customer is displayed in addition to the avatar set by the customer designated by the automatic transaction apparatus. In the automatic transaction apparatus,
6. The account transaction system according to claim 4 or 5 , wherein customer information of the customer is displayed in addition to the custom data set by the customer. An account transaction method comprising an automatic transaction apparatus that processes a transaction requested by a customer through communication with an account host that manages account transactions, and a setting information management server that manages customer information set from a setting terminal apparatus. ,
Setting an avatar for expressing the customer from the setting terminal device;
And associating and registering the avatar and the account number of the customer who set the avatar,
The setting information management server
In the transfer transaction,
When the automatic transaction apparatus is operated by a customer and a transfer destination is designated,
An account transaction method characterized by causing the automatic transaction apparatus to display an avatar associated with an account number of a counterparty who is the transfer destination.

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