JP2024025051A - Transaction reservation management system and transaction reservation management method - Google Patents

Abstract

To enable acceptance of an ATM reservation in a financial institution, and allow a customer to smoothly conduct a financial transaction upon the visit.SOLUTION: A server of a transaction reservation management system accepts personal identification information of a customer input from a terminal of the customer, information about a transaction branch with which the transaction is desired, information about the desired transaction, and information about the transaction date and time. Then, a reservation number that allocates an ATM installed at a transaction branch with which the transaction is desired and a transaction within a certain period of time from the transaction date and time to the customer is generated, with reference to the information accepted from the terminal, an ATM operation information table, and an ATM reservation information table, and the reservation number is transmitted to the terminal. Input information of the reservation number and the personal identification information of the customer is received from the ATM allocated by the reservation number upon the transaction of the customer, an input information table is referred to, information on a reservation transaction regarding the reservation number is transmitted to the ATM, and execution of the reservation transaction regarding the reservation number is accepted from the ATM.SELECTED DRAWING: Figure 9

Description

The present invention relates to a transaction reservation management system and a transaction reservation management method, and particularly to a transaction reservation management system and transaction reservation that enable financial institutions to accept ATM reservations and allow customers to smoothly conduct financial transactions when they visit the store. Regarding management methods.

Traditionally, automatic teller machines (ATMs) have been installed in the branches of banks and other financial institutions, allowing customers to perform transactions such as deposits, withdrawals, and balance inquiries unattended by operating them. is becoming common. In recent years, in addition to the above-mentioned transactions, some stores have also been installed with highly functional automated teller machines that can also pay taxes and public funds using forms.

An example of a technique for using an information processing device to guide a customer visiting a financial institution to a transaction device is disclosed in Patent Document 1. In the system described in Patent Document 1, customers who visit the store are required to input all transaction purposes, and reception numbers are given to each customer in order. The customer is then directed to an unmanned remote transaction device or automated transaction device that allows interaction with the customer via a counter or network appropriate for the purpose of the transaction. This allows customers to centrally manage their transaction objectives and guide them to the most appropriate counter or transaction device.

Japanese Patent Application Publication No. 2008-226274

In the reception system described in Patent Document 1, a customer is required to input a transaction purpose in advance, and the customer is guided in order to a counter or transaction device suitable for the purpose. Therefore, when a customer takes a long time to make a transaction at a counter or a transaction device, he or she may have to wait for the next customer to wait, leading to a waiting time and possibly deteriorating the service provided to the customer.

Furthermore, in recent years, in addition to ATMs that perform normal deposits, withdrawals, and balance inquiries, the number of cases in which high-performance ATMs that can process forms, for example, are installed in the same store has begun to increase. However, there are users who use high-performance ATMs to perform transactions that can be done at regular ATMs, so high-performance ATMs are being used by users who can perform transactions at regular ATMs. A situation may arise in which a user who wants to use ATMs has to wait in line for a high-performance ATM. Even if transactions are reserved in advance, if the reservation is not made according to the type of ATM, users who perform normal transactions will similarly reserve high-performance ATMs, resulting in reduced ATM operating efficiency. This poses a problem in terms of user convenience.

An object of the present invention is to provide a transaction reservation management system and a transaction reservation management method that enable customers at financial institutions to accept ATM reservations according to their desired transaction details, and enable customers to smoothly conduct financial transactions when visiting the store. It's about doing.

The configuration of the transaction reservation management system of the present invention is preferably a transaction reservation management system in which a customer reserves a transaction device that is installed in a branch of a financial institution and conducts transactions related to the business of the financial institution. It has a terminal that accepts input, a server of a financial institution, and a transaction device, and the terminal, server, and transaction device are each connected by a network, and the server stores a customer input information table that holds information input from the terminal. , a transaction device operation information table that stores operational information of each store of the transaction device, a reservation information table that stores reservation information of the transaction device, and a transaction device status information table that stores status information of the transaction device. , the server accepts information input from the terminal that identifies the customer, information regarding the transaction store with which the transaction is desired, information on the desired transaction, and information regarding the desired transaction date and time, and then processes the customer input information. The server refers to the information received from the terminal, the transaction device operation information table, and the transaction device reservation information table, and informs the customer about the transaction device installed at the transaction store where they wish to conduct the transaction. A reservation number is generated to allocate a transaction for a certain period of time from the desired transaction date and time, the reservation number is set in the reservation information table, the reservation number is sent to the terminal, and the server uses the transaction device assigned to the reservation number. Receives the reservation number and input information for identifying the customer's individual from , refers to the input information table, sends information on the desired transaction related to the reservation number to the transaction device, and the transaction device executes the desired transaction related to the reservation number. It is designed to accept the execution of

According to the present invention, it is possible to provide a transaction reservation management system and a transaction reservation management method that enable a financial institution to accept ATM reservations and allow customers to smoothly conduct financial transactions when visiting the store.

FIG. 1 is an overall configuration diagram of a transaction reservation management system. FIG. 2 is a hardware/software configuration diagram of a transaction reservation management server. It is a figure showing an example of a customer information table. It is a figure showing an example of a customer input information table. It is a figure which shows an example of a reservation information table. It is a figure showing an example of an ATM operation information table. It is a figure showing an example of an ATM state information table. It is a flowchart which shows the process when a customer makes an ATM transaction reservation from a mobile terminal. It is a flowchart which shows the process when performing a reservation transaction by ATM. It is a flowchart (part 1) which shows the process when carrying out state monitoring of ATM. It is a flowchart (part 2) which shows the process when carrying out state monitoring of ATM. It is a flowchart which shows the process when carrying out state monitoring of ATM (part 3). 2 is a timing chart (Part 1) illustrating the timing and processing of an ATM reservation transaction. It is a timing chart (part 2) explaining the timing and processing of an ATM reservation transaction. FIG. 3 is a diagram (part 1) showing an ATM screen on which a user inputs transaction information when making a reservation transaction. FIG. 3 is a diagram showing an ATM screen on which a user inputs transaction information when making a reservation transaction (part 2); FIG. 3 is a diagram showing an ATM screen on which a user inputs transaction information when making a reservation transaction (Part 3); It is a figure showing an ATM screen when displaying transaction information of a reservation transaction. It is a figure showing an ATM screen when locking a reservation. FIG. 3 is a diagram showing an ATM screen when a reservation transaction is approaching for a customer who has made a reservation.

Hereinafter, one embodiment of the present invention will be described using FIGS. 1 to 12F.

First, the configuration of a transaction reservation management system according to an embodiment will be described using FIGS. 1 and 2.
The transaction reservation management system is a system that allows a customer to reserve a transaction at an ATM operated by a financial institution from an information processing device, and as shown in FIG. It includes a customer management server 110, a transaction reservation management server 100, and an ATM status monitoring server 120.

The base station 10 and the network 5, the network 6 and the customer management server 110, the transaction reservation management server 100, the ATM status monitoring server 120, the network 7 and the ATM 102 are interconnected, and the network 5, network 6, and network 7 are also interconnected. has been done.

The network 5 is a global network such as the Internet to which each communication carrier is connected. The network 6 is, for example, a LAN (Local Area Network) inside a financial institution. The network 7 is an ATM network that connects the ATM 102 and each server of the financial institution. Although each network is illustrated separately in FIG. 1, these may be integrated, or network 5, network 6, and network 7 may all be a global network such as the Internet.

Note that in this embodiment, an example is shown in which the customer's mobile terminal 1 wirelessly communicates with the base station 10 and exchanges data with the systems of each financial institution via the base station 10. (Personal Computer) etc. may be connected to each financial institution's system via wired Internet.

Note that the system of this embodiment is mainly focused on reservations for ATM transactions, so although not shown in the figure, the system of the financial institution may also include an accounting system and an information system that perform normal financial institution operations. Existing.

The mobile terminal 1 is an information processing terminal used by a customer to reserve a transaction. Account information, the desired store for transaction, desired date and time for transaction, reservation transaction type, etc. are transmitted to the customer management server 110, and when a reservation is made, a reservation number is received. The mobile terminal 1 may be a mobile phone such as a smartphone, or may be a personal computer, a tablet, or another dedicated reservation terminal for making reservations and transactions at an ATM.

A customer may make a reservation for an ATM transaction by calling up a web page provided by a financial institution from a browser and entering information in a standard format, or by using application software (so-called "app") provided by the financial institution. You may input the information by downloading it and running it.

The customer management server 110 is a server for managing information on customers who have accounts at banks and information input by customers for making reservations for ATM transactions. The customer management server 110 has a customer information management section 111, a customer input information management section 112, and an external I/F (InterFace) 115, and maintains a customer information table 200 and a customer input information table 201 in a database. are doing.

Details of the customer information table 200 and the customer input information table 201 will be explained later.

The transaction reservation management server 100 is a server that manages ATM transaction reservation information from customers and schedules transaction reservations. The transaction reservation management server 100 has functional units of a transaction reservation schedule section 101 and an external I/F section 105, and handles the customer information and transaction reservation information received from the customer management server 110 and the ATM status received from the ATM status monitoring server 120. Create reservation management information from status information.

The transaction reservation management server 100 maintains a reservation information table 210 and an ATM operation information table 211 in a database. Note that details of the reservation information table 210 and the ATM operation information table 211 will be explained later.

The ATM status monitoring server 120 is a server that monitors the status of the connected ATM 102.

The ATM status monitoring server 120 has functional units such as an ATM status monitoring unit 121 and an external I/F unit 125, and maintains an ATM status information table 220 in a database. Note that details of the ATM status information table 220 will be explained later.

The ATM 102 is a dedicated device used when a customer transacts with a financial institution, and usually a plurality of ATMs are installed at each branch of the financial institution. Transactions performed at the ATM 102 include cash deposits and withdrawals, account transfers, account transfers, and bankbook entries. Further, some of the ATMs 102 include highly functional ATMs, and there are also devices that allow taxes and public funds to be transferred using forms. The ATM 102 transmits device information, ATM operating status, and usage status to the ATM status monitoring server 120. At the financial institution's stores, there are ATMs that can be reserved using the transaction reservation management system of this embodiment (hereinafter simply referred to as "reservation ATMs") and regular ATMs that cannot be reserved (hereinafter referred to as "free ATMs"). shall be installed.

In the transaction reservation management system described above, the customer management server 110, the transaction reservation management server 100, and the ATM status monitoring server 120 are separate devices, and although each device is described as realizing its respective functions, they are one device. It may be implemented to achieve the required functionality.

Next, the hardware and software configuration of the transaction reservation management server will be explained using FIG. 2.
The hardware configuration of the transaction reservation management server 100 is realized by, for example, a general information processing device such as the server device shown in FIG. 2.

The transaction reservation management server 100 includes a CPU (Central Processing Unit) 302, a main storage device 304, a network I/F (InterFace) 306, a display I/F 308, an input/output I/F 310, and an auxiliary storage I/F 312 connected by a bus. It is in the form of

The CPU 302 controls each part of the transaction reservation management server 100, loads necessary programs into the main storage device 304, and executes them.

The main storage device 304 is usually configured with a volatile memory such as a RAM, and stores programs executed by the CPU 302 and data to be referenced.

Network I/F 306 is an interface for connecting to network 5.

Display I/F 308 is an interface for connecting a display device 320 such as an LCD (Liquid Crystal Display).

The input/output I/F 310 is an interface for connecting input/output devices. In the example of FIG. 2, a keyboard 330 and a pointing device mouse 332 are connected.

The auxiliary storage I/F 312 is an interface for connecting an auxiliary storage device such as an HDD (Hard Disk Drive) 350 or an SSD (Solid State Drive).

The HDD 350 has a large storage capacity, and stores programs for executing the present embodiment. A transaction reservation schedule program 360 and an external I/F program 361 are installed in the transaction reservation management server 100.

The transaction reservation schedule program 360 and the external I/F program 361 are programs that implement the functions of the transaction reservation schedule section 101 and the external I/F section 105, respectively.

Further, the HDD 350 stores a reservation information table 210 and an ATM operation information table 211.

Next, the data structure used in the transaction reservation management system will be explained using FIGS. 3 to 7.
The customer information table 200 is a table that holds information about each customer at a financial institution, and as shown in FIG. 3, it consists of fields such as a store number 200a, an account number 200b, a name 200c, a telephone number 200d, and an email 200e. .

Store number 200a stores a number that uniquely identifies each store that manages accounts at financial institutions. The account number 200b stores each customer's account number. Normally, as a practice at financial institutions, a branch number-account number is used to identify an account. The name 200c stores the name of each customer. The telephone number 200d stores the number registered by each customer when creating an account. The e-mail address of the customer is stored in the e-mail 200e. In addition to the items listed here, the customer's address may also be held.

The customer input information table 201 is a table that stores information that a customer inputs from the mobile terminal 1 and information that the customer management server 110 responds to.As shown in FIG. It consists of fields 201b, name 201c, telephone number 201d, transaction store 201e, reserved transaction 201f, amount 201g, transaction date and time 201h, reservation number 201i, and reserved ATM machine number 201j.

The store number 201a stores the store number of the account input by the customer. The account number 201b stores the account number input by the customer. The name 201c stores the customer's name input by the customer. The telephone number 201d stores the telephone number input by the customer (or the default) at which the customer wishes to be contacted. The transaction store 201e stores the store number of the financial institution with which the customer wishes to conduct transactions at the ATM, which has been input by the customer. In this embodiment, it is assumed that a plurality of ATMs are normally installed at a transaction store. The reserved transaction 201f stores the name or identifier of the transaction for which the customer wishes to reserve the transaction at the ATM, which is input by the customer. The amount 201g stores the amount related to the transaction for which the user wishes to reserve the transaction at the ATM. When a transaction does not require inputting an amount, such as when entering a bankbook, NULL may be used. The transaction date and time 201h stores the date and time at which the customer desires to conduct the transaction at the store where the ATM is installed, in the format of, for example, yyyy/mm/dd hh:mm. The reservation number 201i stores a transaction reservation number created by the transaction reservation management server 100 and returned to the mobile terminal 1 from the customer management server. The reserved ATM machine number 201j stores the machine number of the reserved ATM.

Note that the store number 200a, account number 200b, name 200c, and telephone number 200d may be input by the customer each time via a web page, or may be stored in advance in the app.

The transaction store 201e may be in the form of an ATM installation booth (branch), including a place where an ATM is installed, and an identifier for that place can be input.

It is desirable that the reservation number be displayed on the web page and can be easily confirmed by the customer by sending an e-mail to the customer's e-mail address registered in advance for confirmation. Further, it is also possible to provide a service in which the reservation number 201i and the reservation details (store, reservation transaction, amount, transaction date and time) are stored using the app, and the customer is asked to confirm the reservation number 201i using the app.

The reservation information table 210 is a table that holds information that associates a reservation number with a customer's ATM transaction reservation, and as shown in FIG. It consists of fields of number 210d and status code 210e.

The reservation number 210a stores a reservation number issued by the transaction reservation management server 100 when a customer makes a reservation for an ATM transaction. The telephone number 210b stores the telephone number entered by the customer when making an ATM transaction reservation, or the default telephone number. The transaction store 210c stores the store where the customer desired the transaction entered when making an ATM transaction reservation. The reserved ATM machine number 210d stores the machine number of the reserved ATM installed at the transaction store 210c assigned to the reservation number. The ATM machine number can take on multiple values. The status code 210e stores a code representing the current status of the reservation, such as "not executed", "already executed", or "cancelled". When the ATM is reserved, the status code 210h becomes "unexecuted", when the corresponding transaction is executed, it becomes "already executed", and when the reserved transaction is cancelled, it becomes "cancelled".

In this embodiment, the reservation number and telephone number are used as keys for identifying ATM transaction reservations, but the transaction reservation management server 100 issues a password or allows the user to input the password to enter the reservation number and password. It may also be used as a key to identify an ATM transaction reservation.

The ATM operation information table 211 is a table that holds operation information for each ATM installed in a financial institution's stores, and as shown in FIG. It consists of each field of time 211d.

The store number of the financial institution where the ATM is installed is stored in the installation store 211a. The reserved ATM machine number 211b stores the machine number that identifies the ATM. The ATM machine number can take on multiple values. Although not shown, the system includes an ATM device information table that associates the functions that allow transactions with each ATM machine number. The operating date 211c stores the dates on which the ATM is operated, such as "all days" and "weekdays." The operating time 211d stores the time when the ATM is operated, such as "9:00 to 17:00" or "24:00".

The ATM status information table 220 is a table that holds the current status of the ATM. As shown in FIG. It consists of fields of whether to continue the transaction 220g, store number 220h, and account number 220i.

Store 220a stores a number for identifying the store of the financial institution. The ATM machine number 220b stores the machine number of an ATM installed at a branch of a financial institution. This is a field corresponding to the reserved ATM machine number 210d in FIG. 5 and the reserved ATM machine number 211b in FIG. The IP address 220c stores the IP address of the ATM installed in the store 220a that corresponds to the ATM machine number 220b. The operating status 220d stores the operating status of the ATM installed in the store. For example, the value is ``waiting'' when a transaction is possible, or ``operating'' when a transaction is in progress, and ``suspended'' when a transaction is not possible for some reason such as maintenance. Furthermore, in this embodiment, in order to secure customers who have reserved ATMs, a state called "reservation locked" is provided to lock the use of ATMs by general users (details will be described later). The usage status 220e stores the usage status of the ATM installed in the store. The usage state takes a value of "standby" or "in use" when the operating state 220d is "in operation". The input reservation number 220e stores a reservation number input by the customer into an ATM installed in the store. The transaction continuation possibility 220g stores a flag representing the result of the transaction continuation determination result received from the transaction reservation management server 100. In other words, by comparing the reservation number entered into the relevant ATM with the reservation number registered in the relevant time slot of the relevant ATM in the reservation information table 210, if they match, the transaction is continued. If there is no reservation or the reservation number is different, a value of "no" is stored to continue the transaction. Store number 220h stores a number that uniquely identifies each store that manages the financial institution account of the customer currently using the ATM. The account number 220i stores the account number of each customer currently using the ATM. The store number 220h and account number 220i are fields corresponding to the store number 200a and account number 200b of the customer information table 200 shown in FIG. 3, respectively.

Next, an overview of the ATM installation and ATM customer service model of this embodiment will be explained.
The ATM installation and ATM customer service model of this embodiment is as follows.
(1) A reserved ATM and a free ATM are installed in one store and ATM installation location. Even in stores with reserved ATMs and locations where ATMs are installed, at least one free ATM will be installed that can be used by customers who have not made a reservation. It is desirable to have a plurality of reserved ATMs from the viewpoint of customer service.
(2) When multiple reserved ATMs are installed in one store or ATM installation location, a customer who has made a reservation for a transaction may use any reserved ATM (i.e., there are only available reserved ATMs). all assigned).
(3) ATMs may have different functions from normal ATMs, such as high-performance ATMs that can pay taxes and public funds using forms. When a customer desires a reservation transaction that can only be performed at a high-performance ATM, the reservation is allocated to the high-performance ATM.
(4) Reserved ATMs can be used by customers who have not made a reservation when there is no reservation, but when a reservation is made, the ATM is locked a certain amount of time before the reservation date and time and cannot be used by customers who have made a reservation. Secured.
(5) Customers who have made a reservation must enter the reservation number notified by the system and the phone number they entered or registered by default within a certain period of time (for example, 5 minutes) from the reservation time. This enables the reserved transaction, the details of which are displayed on the ATM screen, and when the customer inputs confirmation, the reserved transaction is executed.
(6) A customer who has made a reservation is allotted a certain amount of time (for example, 10 minutes) to use the reserved ATM. However, even after the reserved transaction is executed, the customer who has made the reservation can still conduct other normal ATM transactions as long as he or she does not compete with other customers who have made the reservation.

Next, the processing of the transaction reservation management system will be explained using FIGS. 8 to 11B.

First, the process when a customer makes an ATM transaction reservation from a mobile terminal will be explained using FIG. 8.
The customer inputs transaction information using the mobile terminal 1 (S101). The customer inputs, for example, the transaction store, store number, account number, name, telephone number, reservation transaction, amount (if applicable), and transaction date and time.

The input information from the customer is sent to the customer management server 110, and the customer management server 110 sets the information of the corresponding item in the customer input information table 201 shown in FIG. The information is transferred and the transaction reservation management server 100 is requested to issue a reservation number.

The transaction reservation management server 100 checks the sent transaction details, refers to the reservation information table 210 shown in FIG. 5, and the ATM operation information table 211 shown in FIG. 6, and checks the ATM operation schedule (S102). , it is determined whether there is an ATM that can be used for the transaction for which the reservation is requested (S103).

In S103, if there is an ATM that can be used for the transaction for which the reservation is requested (S103: YES), the transaction reservation management server 100 generates a reservation number and registers it in the reservation information table 210 as an "unexecuted" reservation. (S104), and notifies the customer management server 110 of the reserved ATM machine number and reservation number. The customer management server 110 sets the reservation number and the reserved ATM machine number in the customer input information table 201, and notifies the customer of the reserved ATM machine number and the reservation number (S105).
In S103, if there is no ATM that can be used for the transaction for which the reservation is requested (S103: NO), it is determined whether or not there is a reserved ATM that can be used for the transaction at the same store on the same day (S110). If there is a time slot that can be used (S110: YES), a time slot that can be used on the same day is presented to the user (S112), and the process returns to S101.

In S110, if there is no available reservation ATM (S110: NO), the user is notified that the reservation cannot be made at the date and time requested by the customer (S111), and the process ends.

In the above example, it is assumed that the customer makes a reservation at the ATM at the desired store or ATM location. As an alternative, ATMs near the desired store or ATM installation location may be presented to the customer.

Next, using FIG. 9, a description will be given of the process when making a reservation transaction using an ATM.
The customer inputs the reservation number and telephone number from the ATM 102 of the reservation ATM (reservation ATM machine number) at the transaction store (S201). Note that the ATM user interface at this time will be explained later.

The ATM 102 transmits the input information to the transaction reservation management server 100.

The transaction reservation management server 100 refers to the reservation information table 210 shown in FIG. 5 and determines whether the input reservation ATM matches the reserved ATM machine number and whether the input reservation number and telephone number match. If there is no match (S202: NO), it is determined whether there is a match three or more times (S210), and if it is less than that (S210: NO), the process returns to S201 and is repeated. If there is no match three times or more, it is recommended to make a general transaction other than a reservation, or it is suggested to make a transaction at a free ATM (S211), and the process ends.

In S202, when the input reservation number and telephone number match, the transaction reservation management server 100 uses the reservation number as a key to inquire about the transaction details to the customer management server 110, and checks the transaction registered in the reservation information table 210. The details are transmitted to the ATM 102, and the ATM 102 presents the reservation transaction details to the customer for confirmation (S203). Note that the ATM user interface at this time will be explained later.

Next, it is determined whether the customer has expressed an intention to confirm (S204), and when the customer has expressed an intention to confirm (S204: YES), the ATM 102 notifies the banking system (accounting system) of the reserved transaction. Then, the banking system executes the transaction (S205). If the confirmation intention is not expressed (S204: NO), the transaction is canceled (S212).

Next, the reservation information table 210 receives notification from the bank system that the process has been completed, and sets the status code 220h of the corresponding record in the reservation information table 210 to "already executed" (S206).

Next, a process for monitoring the ATM status will be described using FIGS. 10A to 10C.
The ATM status monitoring server 120 refers to the ATM status information table 220 shown in FIG. 7 and obtains the operating status of ATMs in the same store (S301). The ATM status information table 220 acquires the status of the ATM through regular polling and acquires reservation schedule information regarding the reserved ATM of the target store (S302).

Next, the ATM status monitoring server 120 determines whether the number of operating reserved ATMs in the same store (hereinafter referred to as ATMN in the diagrams and explanations) is the number of reserved ATMs within a certain period of time (for example, within 5 minutes from now). It is determined whether the transaction time is less than the number of transaction reservations (hereinafter referred to as RN in the figures and description) (S303).

If the number of operating reserved ATMs in the same store is less than the number of reservations made within a certain period of time (S303: NO) (this means that the reserved ATM must cancel the transaction reserved by the customer due to equipment failure or other causes). ATM status monitoring server 120 notifies transaction reservation management server 100, and transaction reservation management server 100 cancels reservations for (RN-ATMN) customers (reservation information table 210), the transaction reservation management server 100 notifies the customer management server 110, and the customer management server 110 contacts the customer by telephone, e-mail, etc. A notice of cancellation of the reservation is sent by means of (S310). At this time, it is desirable to send a message to the customer indicating the time slots when the same store is open and encouraging them to re-book.

Next, the ATM status monitoring server 120 monitors a customer (identified by store number - account number) who has made a reservation within a certain period of time (in this example, within 5 minutes) among the operating reservation ATMs in the same store. The number (hereinafter referred to as r in the figures and description) used by the user before making the reservation is obtained (S320 in FIG. 10B). When r≧1, it means that before the customer who made the ATM reservation reaches the reservation time, there is one or more customers using the reservation ATM in operation in the same store.

Next, i←1 is set (S321). i is a parameter for flow control.

Next, the ATM status monitoring server 120 determines whether or not r<i (S322), and when r<i (S322: YES), the process proceeds to S325, and when r<i does not hold (S322: NO). , the ATM status monitoring server 120 instructs one of the reserved ATMs used by a customer who has made a reservation within a certain period of time to display a message indicating that the time for the reserved transaction is approaching for that customer. Then, the reservation ATM displays a screen notifying that "the time for the reservation transaction is approaching" (S311), increments i by 1 (S324), and returns to S322.

In S322, when r<i, j←1 is set (S321). j is a parameter for flow control.

Next, the ATM status monitoring server 120 determines whether (RN-r)<i (S326), and if (RN-r)<i (S326: YES), the process proceeds to S330 (FIG. 10C). If (RN-r)<i does not hold (S326: NO), the reserved ATM is not the reserved ATM used by the customer who made the reservation within a certain time period before making the reservation, among the reserved ATMs in operation in the same store. (In other words, the ATM status monitoring server 120 instructs the display of the reservation lock screen for one of the reserved ATMs that are being used by a free customer who is not the customer who made the reservation or is not in use (on standby)) ( S327), j is incremented by 1 (S328), and the process returns to S326.

In other words, the purpose of this process is to secure a reserved ATM for use by a customer who has previously reserved an ATM transaction before the reserved time.

Next, the ATM status monitoring server 120 determines whether or not a reserved transaction has been input within a certain period of time (before the reserved transaction time) (S330 in FIG. 10C), and when a reserved transaction has been input (S330: If there is no reservation transaction input (S333: NO), the process goes to S333.

When a reservation transaction is input in S330, the ATM status monitoring server 120 determines whether or not there is currently a reserved ATM in the same store that has a reservation lock (S331), and If there is no reserved ATM that is locked (S331: NO), go to S333, and if there is a reserved ATM that is reserved (S331: YES), the reservation lock of the reserved ATM is released. (S332).

When there is no reserved transaction input in S330, when there is no reserved ATM with reservation lock in S331, and after executing S332, the ATM status monitoring server 120 determines whether the reserved transaction time has passed. If the reserved transaction time has not exceeded (S333), and the reserved transaction time has not exceeded (S333: YES), return to S330, and if the reserved transaction time has exceeded (S333: YES), there is a reserved ATM with a reserved reservation locked in the same store. In some cases, the reservation locks of all reserved ATMs are released (S334), and the process ends.

Next, the timing and processing of an ATM reservation transaction will be explained using FIGS. 11A and 11B.
As shown in FIG. 11A, it is assumed that a store with store number 100 has reserved ATMs with ATM machine numbers ATM304 to ATM307.

In the symbols explained in FIGS. 10A to 10C, the number of operating reserved ATMs (ATMN) in the same store is 4 at 10:00.

In the example of FIG. 11A, it is assumed that customers A, B, C, and D have reservations for ATM transactions from 11:00 to 11:10. That is, when viewed from 10:55, the number of reservations (RN) within a certain period of time is 4.

Then, at 10:55, the reserved ATM of ATM 304 is empty, the reserved ATM of ATM 305 is being used by customer A, the reserved ATM of ATM 306 is being used by a free customer Y, and the reserved ATM of ATM 307 is in use by customer A. It is assumed that the reserved ATM is used by a free customer X. In other words, among the operating reservation ATMs in the same store, the number (r)=1 is used by a customer (customer A) who has made a reservation within a certain time period.

At this time, the reserved ATMs ATM 304, ATM 306, and ATM 307 are displayed as reservation locked, and the reserved ATM ATM 305 displays to customer A that the time for the reserved transaction is approaching.

As another example, in the example of FIG. 11B, assume that customers A, B, and C have reservations for ATM transactions from 11:00 to 11:10. That is, when viewed from 10:55, the number of reservations (RN) within a certain period of time is 3.

It is assumed that at 10:55, the reserved ATMs ATM304, ATM305, and ATM306 are empty, and the reserved ATM ATM307 is being used by a free customer Z. At this time, the reserved ATMs ATM 304, ATM 305, and ATM 306 are displayed as reserved, and the reserved ATM ATM 307 can continue to be used by the free customer Z.

Next, the user interface of the reservation ATM related to the transaction reservation management system will be explained using FIGS. 12A to 12E.

When a customer makes a reservation transaction using a reservation ATM, the customer touches a reservation transaction button 601 shown in FIG. 12A. Then, as shown in FIGS. 12B and 12C, the user enters a reservation number 602 and a telephone number 603, and touches a confirmation button 610. When the system is able to confirm the reservation transaction, transaction information 620 is displayed to the customer, as shown in FIG. 12D.

In addition, in order to secure a reservation on the reserved ATM before the reserved transaction time, for free customers who have not made a reservation, the ATM is reserved on the reservation lock screen as shown in FIG. 12E. A message 630 indicating the following is displayed.

When a customer making a reservation is using the reservation ATM, a message 640 indicating that a reservation transaction is coming is displayed along with the time of the reservation, as shown in FIG. 12F. When a customer wants to start a reservation transaction, he or she can touch a reservation transaction start button 641.

As explained above, according to the transaction reservation management system of this embodiment, a customer can reserve an ATM at a branch of a financial institution where he or she is going in advance by specifying a time. By simply inputting the following information, customers can confirm transaction details and smoothly perform financial transactions using an ATM without having to wait, thereby improving convenience for customers and efficiency in using ATMs.

1... Mobile terminal, 5, 6, 7... Network, 10... Base station, 102... ATM, 110... Customer management server, 100... Transaction reservation management server, 120... ATM status monitoring server,
200...Customer information table, 201...Customer input information table, 210...Reservation information table, 211...ATM operation information table, 220...ATM status information table

Claims (5)

A transaction reservation management system in which a customer reserves a transaction device that is installed at a store of a financial institution and conducts transactions related to the business of the financial institution, the system comprising:
comprising a terminal that accepts input from a customer, a server of the financial institution, and the transaction device,
The terminal, the server, and the transaction device are each connected by a network,
The server includes a customer input information table that stores information input from the terminal, a transaction device operation information table that stores operational information of each store of the transaction device, and a reservation information table that stores reservation information of the transaction device. and a transaction device status information table that stores status information of the transaction device;
The server accepts information input from the terminal that identifies the customer, information regarding the transaction store with which the customer wishes to conduct a transaction, information regarding the desired transaction, and information regarding the desired transaction date and time, and Store it in the input information table,
The server refers to the information received from the terminal, the transaction device operation information table, and the transaction device reservation information table, and instructs the customer to make a transaction with the transaction device installed at the transaction store where the customer desires to conduct the transaction. Generate a reservation number to allocate a transaction for a certain period of time from the desired transaction date and time, set the reservation number in the reservation information table, and send the reservation number to the terminal,
The server receives the reservation number and input information for identifying the customer from the transaction device assigned to the reservation number, refers to the input information table, and obtains information on the desired transaction related to the reservation number. A transaction reservation management system characterized by transmitting the information to the transaction device and receiving from the transaction device execution of a desired transaction related to the reservation number. 2. The transaction reservation management system according to claim 1, wherein the server determines the transaction device to be assigned to the reservation number based on a transaction desired by the customer. The server refers to the transaction device status information table and the reservation information table,
A command is given to one or more transaction devices assigned to the reservation number to display a lock message before a certain time on the transaction date and time of the reservation transaction related to the reservation number. The transaction reservation management system according to claim 1. The server refers to the transaction device status information table and the reservation information table,
For one or more transaction devices assigned to the reservation number, the operation of the transaction device is performed with the customer of the reservation transaction related to the reservation number before a certain time on the transaction date and time of the reservation transaction related to the reservation number. 2. The transaction reservation management system according to claim 1, further comprising the step of instructing the transaction device to display a notification regarding the reservation transaction when they are the same. A transaction reservation management method using a transaction reservation management system in which a customer reserves a transaction device that is installed at a store of a financial institution and conducts transactions related to the business of the financial institution, the method comprising:
The transaction reservation management system includes a terminal that accepts input from a customer, a server of the financial institution, and the transaction device,
The terminal, the server, and the transaction device are each connected by a network,
The server includes a customer input information table that stores information input from the terminal, a transaction device operation information table that stores operational information of each store of the transaction device, and a reservation information table that stores reservation information of the transaction device. and a transaction device status information table that stores status information of the transaction device;
The server accepts information input from the terminal that identifies the customer, information regarding the transaction store with which the transaction is desired, information on the desired transaction, and information regarding the desired transaction date and time, and a step of storing the input information in the table;
The server refers to the information received from the terminal, the transaction device operation information table, and the transaction device reservation information table, and instructs the customer to make a transaction with the transaction device installed at the transaction store where the customer wishes to conduct the transaction. generating a reservation number to allocate a transaction for a certain period of time from the desired transaction date and time, setting the reservation number in a reservation information table, and transmitting the reservation number to the terminal;
The server receives the reservation number and input information for identifying the customer from the transaction device assigned to the reservation number, refers to the input information table, and obtains information on the desired transaction related to the reservation number. transmitting to the transaction device;
A transaction reservation management method, comprising the step of: the server accepting execution of a desired transaction related to the reservation number from the transaction device.

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