JP2002024902A - System for promoting entering of transaction history data - Google Patents

Abstract

PROBLEM TO BE SOLVED: Th prevent unentered transaction history data of a customer of a final institution from being deleted by reducing the amount by which this transaction history data is saved. SOLUTION: When a customer 1 performs a transaction using a card at an automated transaction device 2, a host computer 3 determines whether or not the amount of unentered transaction history data of the customer 1 has reached a certain amount; if the certain amount is reached, guidance is provided to urge the customer to enter the data in a bankbook using the automated transaction device 2.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a system which promotes a customer to execute the entry of unregistered transaction history data in a financial institution.

[0002]

2. Description of the Related Art Conventionally, in an automatic transaction apparatus installed in a store of a financial institution such as a bank, when a customer inserts a passbook during a transaction, unregistered transaction history data is printed on the passbook. However, in general, many customers who transact with an automatic transaction device do not bring a passbook and transact only with a cash card, and therefore, at the end of the transaction, a receipt that prints only the contents of the transaction is issued.

[0003] On the other hand, financial institutions store and manage the contents of transactions with customers as transaction history data for each customer in a database of a host computer. Although the transaction history data is to be deleted from the database, it is customary to delete transaction history data after a certain period of time, even if it is not recorded.

[0004]

However, the above-mentioned prior art has the following problems. In other words, few customers save all receipts issued by the automated teller machine.Therefore, if a customer needs to view a series of transaction history data, they will be required to make a passbook entry. Since the history data is deleted, the customer may not be able to see all the transaction history data.

[0005] Further, although the financial institution deletes transaction history data after a certain period of time, all transaction history data within a certain period must be stored unless many customers do passbook entry. There is a problem that the database becomes huge.
An object of the present invention is to solve these problems.

[0006]

Therefore, the system for promoting bookkeeping of transaction history data of the present invention comprises an automatic transaction apparatus for conducting transactions by customer operation and a host apparatus for storing unrecorded transaction history data for each customer. When a customer makes a transaction with an automatic transaction device using a card, a higher-level device determines whether or not the transaction history data amount of the customer's unregistered book has reached a certain amount, and if the amount has reached a certain amount, It is characterized in that guidance is provided to recommend that a passbook entry be made by an automatic transaction device.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of a transaction history data bookkeeping promotion system according to the present invention will be described below with reference to the drawings. FIG. 1 is a schematic diagram showing the first embodiment. In the figure, 1 is a customer who has a transaction with a financial institution, and 2 is an automatic transaction device (AT) installed in a store or the like of the financial institution.
M), 3 is a host computer (host device) having a database holding transaction history data for each customer, and this host computer 3 is installed in a center of a financial institution,
The automatic transaction apparatus 2 is connected to a host computer 3 online.

FIG. 2 is a flowchart showing the operation of the above configuration. To explain this, first, customer 1
Visits a store of a financial institution (S1) and selects a transaction such as deposit or payment on the operation display unit of the automatic transaction apparatus 2 (S2).
At this time, assuming that the customer 1 does not bring a passbook and conducts transactions only with the cash card, the customer 1 inserts the cash card according to the guidance on the operation display unit of the automatic transaction device 2, and enters a password, a transaction amount, and the like. Enter

The automatic transaction apparatus 2 reads customer information such as an account number from the magnetic stripe of the cash card, and transmits it to the host computer 3 together with information input by the customer. The host computer 3 checks the unregistered transaction history data of the customer stored in the database based on the customer information sent from the automatic transaction apparatus 2, and when the transaction history data amount reaches a predetermined amount. It is determined whether or not there is (S3).

As a result, a notification that the specified amount has been reached or not is transmitted to the automatic transaction apparatus 2. The automatic transaction apparatus 2 receives the notification from the host computer 3 and, if the amount has reached the specified amount, provides guidance to the customer 1 at a later date by recommending a passbook entry to the customer 1 by using a screen of the operation display unit or sound from a speaker (S4). After confirming this with the customer (S5), the transaction selected by the customer is executed (S6).

If the amount has not been reached, the automatic transaction apparatus 2 executes the transaction selected by the customer. When the transaction is completed (S7) and a receipt on which the details of the transaction are printed is issued, the customer receives it and closes the store (S8). According to the first embodiment described above, at the time of a transaction with the automatic transaction device, the transaction history data of the customer's unregistered book is checked,
It is determined whether or not the transaction history data amount has reached a predetermined specified amount.If the transaction history data amount has reached the specified amount, a passbook entry is recommended on the operation display unit of the automatic transaction device, and thereby, the customer is requested at the next transaction. As a result, the amount of transaction history data stored by the host computer of the financial institution can be reduced, and it is not necessary to increase the capacity of the database of the host computer.

[0012] Further, since the customer is recommended to make a passbook entry by the automatic transaction apparatus, it is possible to prevent the transaction history data that has not been recorded from being deleted, and to reliably record the transaction history data. Therefore, the effect that the customer service can be improved can be obtained. FIG. 3 is a schematic diagram showing the second embodiment.

In the figure, 1 is a customer, 2 is an automatic transaction device,
Reference numeral 3 denotes a host computer, which is the same as that in FIG. 4 is an information terminal such as a personal computer owned by the customer,
The information terminal 4 and the host computer 3 are connected to a public communication network 4, and the address of the information terminal 4 on the network is registered in the host computer 3 in advance.

FIG. 4 is a flowchart showing the operation of the above-described configuration. First, the customer 1 visits a store of a financial institution (S1), and selects a transaction such as deposit or payment on the operation display unit of the automatic transaction apparatus 2 (S2). At this time, assuming that the customer 1 does not bring a passbook and conducts transactions only with the cash card, the customer 1 inserts the cash card according to the guidance on the operation display unit of the automatic transaction device 2, and enters a password, a transaction amount, and the like. Enter

The automatic transaction apparatus 2 reads customer information such as an account number from the magnetic stripe of the cash card, and transmits it to the host computer 3 together with information input by the customer. The host computer 3 checks the unregistered transaction history data of the customer stored in the database based on the customer information sent from the automatic transaction apparatus 2, and when the transaction history data amount reaches a predetermined amount. It is determined whether or not there is (S3).

As a result, a notification that the specified amount has been reached or not has been sent to the automatic transaction apparatus 2, and at the same time, the customer brings his / her passbook to the address registered in advance for the next transaction and passes the passbook. Send an e-mail recommending entry (S
9). The automatic transaction apparatus 2 receives the notification from the host computer 3 and, when the amount has reached the specified amount, provides guidance to the customer 1 to recommend a passbook entry to the customer 1 at a later date by using a screen of the operation display unit or sound from a speaker ( S4) After confirming this with the customer (S5), the customer executes the transaction selected (S6).

If the specified amount has not been reached, the automatic transaction apparatus 2 will execute the transaction selected by the customer. When the transaction is completed (S7) and a receipt on which the details of the transaction are printed is issued, the customer receives it and closes the store (S8). Then, after returning home, the customer opens an e-mail using the information terminal 4 and checks the contents (S10).

According to the second embodiment described above,
In addition to obtaining the same effect as the first embodiment, the automatic transaction apparatus recommends the passbook entry and also recommends the passbook entry by e-mail, so that it is possible to expect the execution of the passbook entry more reliably in the next transaction. Thus, the amount of data storage in the host computer can be reduced. FIG. 5 is a schematic diagram showing the third embodiment.

In this embodiment, a printout unit 6 is provided in the automatic transaction apparatus 2, and the other configuration is the same as that of the second embodiment. Here, the print output unit 6 has a function of printing and discharging the transaction history data on a passbook and a predetermined dedicated form (for example, a size of about A4 size), but prints only on the special form. In this case, printing on the passbook may be performed by a passbook entry machine usually provided in the automatic transaction apparatus 2.

FIG. 6 is a flowchart showing the operation of the above-described configuration. First, the customer 1 visits a store of a financial institution (S1), and selects a transaction such as deposit or payment on the operation display unit of the automatic transaction apparatus 2 (S2). At this time, assuming that the customer 1 does not bring a passbook and conducts transactions only with a cash card, the customer 1 inserts the cash card according to the guidance on the operation display unit of the automatic transaction device 2, and enters a password, a transaction amount, and the like. Enter

The automatic transaction apparatus 2 reads customer information such as an account number from the magnetic stripe of the cash card and transmits it to the host computer 3 together with the information inputted by the customer. The host computer 3 checks the unregistered transaction history data of the customer stored in the database based on the customer information sent from the automatic transaction apparatus 2, and the transaction history data amount reaches one passbook volume. It is determined whether or not it is (S3).

When the amount has reached one passbook, the transaction history data for one passbook is transmitted to the automatic transaction apparatus 2 together with a notification to that effect. In response to this, the automatic transaction apparatus 2 displays guidance on the screen of the operation display unit to print the unrecorded transaction history data amount, and displays guidance to prompt the user to select a passbook or a dedicated form as a print medium. ,
Buttons for "passbook" and "dedicated form" are displayed on the screen (S4).

When a passbook is selected in this way, one record of unregistered transaction history data is printed on an unused passbook by the print output unit 6 (or passbook entry machine) and issued to the customer. If selected, the unprinted transaction history data for one passbook is printed on the dedicated form by the print output unit 6 and issued to the customer (S5), and the transaction selected by the customer is executed (S7).

When the transaction history data amount has not reached the amount of one passbook, only a notification to that effect is transmitted from the host computer 3 to the automatic transaction apparatus 2. In this case, the automatic transaction apparatus 2 displays guidance for inquiring whether or not to print unrecorded transaction history data on the screen of the operation display unit (S6). In the case of printing, the guidance for prompting the user to select a passbook or a dedicated form as a print medium is displayed, and a button for "passbook" and a "dedicated form" are displayed on the screen (S4). Causing the host computer 3 to transmit the unregistered transaction history data of the customer;
The transaction history data is printed on the selected passbook or exclusive form and issued to the customer (S5), and the transaction is executed (S5).
7).

When the transaction is completed (S8) and a receipt printed with the details of the transaction is issued, the customer receives it and closes the store (S9). When the transaction history data amount does not reach the amount of one passbook and the unrecorded transaction history data is not printed, the customer 1 is notified to the customer 1 by voice or the like as in the first embodiment. Guidance for recommending bookkeeping using a passbook may be given at a later date, and an e-mail with contents recommending bookkeeping may be transmitted similarly to the mobile phone according to the second embodiment.

According to the third embodiment described above,
When a customer makes a transaction with an automatic transaction device, if the amount of unrecorded transaction history data has reached the amount of one passbook, the transaction history data stored at a financial institution to be printed and issued on a passbook or a dedicated form And the customer can receive a passbook or a special form in which transaction history data is printed together for one book, so that the customer himself can easily manage the transaction history data.

Further, the amount of unrecorded transaction history data is
Even if the volume does not reach the volume of the book, the transaction history data of a certain amount is printed out on a bank book or a dedicated form and issued according to the customer's request. In addition to being able to reduce the number, it is possible to achieve convenience for customers. In each of the above-described embodiments, the handling of unregistered transaction history data in a financial institution has been described. However, for example, when a transaction history data recording service is performed in a system operated by a credit card company or the like, the same applies. It is possible.

[0028]

As described above, according to the present invention, when a customer makes a transaction with an automatic transaction device using a card, whether or not the transaction history data volume of the customer's unregistered book has reached a certain amount in the host device. If the amount has reached a certain amount, guidance is provided to recommend that the automatic transaction device perform passbook entry, or entry is recommended by e-mail so that customers can make entries. In addition, the storage amount of the transaction history data of the financial institution can be reduced, and the effect of eliminating the need to increase the capacity of the database can be obtained.

Further, since the customer can be advised of bookkeeping by an automatic transaction device or e-mail, it is possible to prevent deletion of unrecorded transaction history data, and to ensure that transaction history data is recorded. Therefore, the effect that the customer service can be improved can be obtained.
Furthermore, when the amount of unrecorded transaction history data reaches one passbook, the transaction history data stored at the financial institution can be reliably reduced because the automatic transaction device prints and issues it to the passbook or dedicated passbook. At the same time, since the customer receives a passbook or a dedicated form in which one transaction history data is printed together, the customer can easily manage the transaction history data.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a first embodiment.

FIG. 2 is a flowchart showing the operation of the first embodiment.

FIG. 3 is a schematic view showing a second embodiment.

FIG. 4 is a flowchart showing the operation of the second embodiment.

FIG. 5 is a schematic view showing a third embodiment.

FIG. 6 is a flowchart showing the operation of the third embodiment.

[Explanation of symbols]

 Reference Signs List 1 customer 2 automatic transaction device 3 host computer 4 information terminal 6 print output unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07F 19/00 G07D 9/00 476

Claims (6)

[Claims] 1. An automatic transaction device for performing a transaction by an operation of a customer, and a higher-level device for storing unrecorded transaction history data of each customer. The transaction history is characterized by determining whether or not the transaction history data amount of the customer has reached a certain amount, and if the data amount has reached a certain amount, providing guidance to recommend that the automatic transaction device perform passbook entry. Data entry promotion system. 2. An automatic transaction device for conducting a transaction by a customer operation, and a higher-level device for storing unregistered transaction history data for each customer. An information terminal that determines whether or not the customer's transaction history data amount has reached a certain amount, and if it has reached a certain amount, an e-mail from the higher-level device that the customer recommends to perform passbook entry. A transaction history data bookkeeping promotion system, which is transmitted to 3. An automatic transaction device for performing a transaction by a customer operation, and a higher-level device for storing unregistered transaction history data for each customer. Judge whether the transaction history data volume of the customer has reached a certain amount, and if it has reached a certain amount, provide guidance that recommends that you use an automatic transaction device to perform passbook entry, and perform passbook entry. A transaction history data bookkeeping promotion system, wherein an e-mail having the content recommended in (1) is transmitted from an upper device to an information terminal held by the customer. 4. An automatic transaction device for performing a transaction by a customer operation, and a higher-level device for storing unregistered transaction history data for each customer. It is determined whether or not the transaction history data volume of the customer's unregistered book has reached the amount of one passbook. If the amount of data has reached the amount of one passbook, the automatic transaction device converts the data into a passbook or a dedicated form. A transaction history data bookkeeping promotion system characterized by printing and issuing transaction history data for one passbook. 5. The system according to claim 4, wherein, if the transaction history data amount of the customer's unbooked book does not reach the amount of one passbook, whether to print the unbooked transaction history data to the customer by the automatic transaction apparatus. A transaction history data bookkeeping promotion system, characterized in that, when the user selects a printout, the customer prints and issues all unrecorded transaction history data in a passbook or a dedicated form. 6. The transaction history data bookkeeping promotion system according to claim 4, wherein the customer is allowed to select a passbook for printing unrecorded transaction history data and a dedicated form.