JP2000285314A - Settlement management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement management system where one automatic teller machine can perform settlement processing with plural financial institutions through a communication line and which can manage many pieces of bank transaction data collectively. SOLUTION: An automatic teller machine 1a discriminates whether or not a financial institution code is stored preliminarily as the financial institution code in accordance with an input operation of an operator, selects a communication destination code in accordance with the financial institution code when the financial institution code is stored preliminarily and transmits a transaction request signal such as a transaction amount to a managing device 2a. When the device 2a receives the transaction request signal from the machine 1a, it transmits the transaction request signal to a processor 5A of a financial institution corresponding to the communication destination code included in the transaction request signal, and when it receives an acknowledge signal from the processor 5A of the financial institution, it transmits the acknowledge signal to the machine 1a. The financial institution A transmits the acknowledge signal that allows transactions to the managing device when an account number included in the transaction request signal is stored preliminarily and also stores transaction data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for connecting an automatic transaction apparatus and a bank by a communication line, performing settlement of transactions performed by the automatic transaction apparatus by communication, and managing cash in the automatic transaction apparatus. The present invention relates to a settlement management system that performs the following.

[0002]

2. Description of the Related Art In recent years, financial institutions have introduced a system in which a part of services conventionally performed at a counter is performed by an automatic transaction apparatus in order to streamline business processing.

[0003] The main services provided by the automatic transaction apparatus include cash withdrawal from a designated account, cash transfer to a designated account, and transfer of money from a designated account to another designated account. There is a transfer.

[0004] When a user uses these services by the automatic transaction apparatus, the user first specifies which service to use and inserts a card, password, transaction amount, and transfer destination according to the selected service. Perform operations such as inputting account numbers. The automatic transaction device checks the financial institution code included in the card data written on the card,
The data such as card data, personal identification number, transaction amount, and transfer destination account number are transmitted to the financial institution via the financial institution network. The financial institution has an account corresponding to the account number included in the card data and the account number of the transfer destination, and confirms that the password is a legitimate number and that the transaction amount is equal to or less than the account amount. A permission signal is sent back. When the automatic transaction device receives a permission signal from the financial institution and confirms that the transaction has been permitted, the automatic transaction device transmits a transaction confirmation signal indicating that the transaction is to be performed to the financial institution and performs cash payment, etc., and performs the transaction. Is completed, and the process ends. When receiving the transaction confirmation signal from the automatic transaction device, the financial institution performs transaction processing on the user's account. The automatic transaction device stores cash inserted by the user and cash to be paid to the user. For this reason, financial institutions constantly monitor the amount of cash stored in each automated teller machine,
Collects cash entered into the automated teller machine regularly or irregularly, replenishes cash for payment, and checks the amount of cash actually stored in the automated teller machine. A system has also been introduced for collating with a logical position calculated based on the contents of data exchanged by an automatic transaction device.

[0005]

However, in the above-mentioned conventional system, since the communication procedure between the automatic transaction apparatus and the financial institution is different for each financial institution, one automatic transaction apparatus requires one financial institution. There is a problem that the settlement process can be performed only between the client and the client.

[0006] Therefore, one automatic transaction apparatus stores communication procedures with a plurality of financial institutions, and selects and processes a financial institution corresponding to a user's card data or a communication procedure with a financial institution as a transfer destination. A system that performs
In this case, it is necessary to register in advance communication procedures with all financial institutions that are considered to be used in the automatic transaction apparatus, and there has been a problem that the automatic transaction apparatus itself becomes expensive.

Further, in the above-mentioned conventional system, when the automatic transaction apparatus can be used by a plurality of financial institutions, there is a problem that which of the financial institutions manages the collection and replenishment of cash in the automatic transaction apparatus. It has become.

Further, when one automated teller machine is used by a plurality of financial institutions, each financial institution has only data exchanged by each, so each financial institution has an actual transaction inside the automated teller machine. When comparing the balance with the theoretical balance, there is a problem that it is necessary to obtain all the transaction data held by the financial institution using the automatic transaction apparatus, which is troublesome.

[0009]

Therefore, in order to solve the above-mentioned problems, the settlement management system of the present invention controls a communication procedure with a financial institution when an automatic transaction apparatus requests a transaction with the financial institution. Since the management device or a predetermined financial institution collectively performs the operations, it is not necessary to store the communication procedure with a plurality of financial institutions in the automatic transaction device, and a plurality of financial institutions can be stored in one automatic transaction device. And payment processing.

According to the settlement management system of the present invention,
Based on the transaction result data transmitted from the automatic transaction device by the management device, the actual position data in the automatic transaction device, and the stored communication history with the financial institution, the actual presence in the automatic transaction device is Compares the height with the theoretical position calculated from the traded data, and manages the collection and replenishment of cash in all automated teller machines based on the near-end signal and near-full signal sent from the automated teller machine. By doing
The management of the cash in the automatic transaction apparatus can be performed collectively by the management apparatus.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of a settlement management system according to the present invention will be described with reference to the drawings. [First Embodiment] [Configuration] FIG. 1 is a block diagram showing a first embodiment of the settlement management system of the present invention.

In FIG. 1, the automatic transaction apparatus 1a includes a display unit 101, an input unit 102, a card reader 103, a bill depositing mechanism 104, a bill payment mechanism 105, a communication control unit 106, a financial institution storage unit 107, and a transaction data storage unit. 10
8, schedule storage unit 109, collation data storage unit 11
And a control unit 111a.

The display unit 101 displays characters and figures according to display data input from the control unit 111a.

The input unit 102 outputs a selection signal, a password, and amount data to the control unit 111a in accordance with the operation of the operator.

The card reader 103 reads the card data written on the card inserted by the operator, and outputs the card data to the control unit 111a. In this card data, at least a financial institution code of a financial institution that has issued the card and an account number indicating an account corresponding to the card are written.

The banknote depositing mechanism 104 scrutinizes the cash inserted by the operator into the deposit and withdrawal port, stores the cash in the storage box, and outputs the total amount of the inserted cash to the control unit 111a as amount data. In addition, it monitors the amount of cash in the storage box for storing the inserted cash, and outputs a near-full signal to the control unit 111a when the amount of cash in the storage box exceeds a preset amount.

The bill payment mechanism 105 includes a control unit 111a
When the amount data from is input, the cash corresponding to the amount data is taken out of the storage box, and the cash is discharged to the deposit / withdrawal port and paid to the user. The control unit 111a monitors the amount of cash in the storage box for storing cash to be paid to the user, and when the amount of cash in the storage box falls below a preset amount.
To output a near-end signal.

When a transaction request signal, a cancellation signal, a near-full signal, a near-end signal, a transaction data signal, a closing data signal, and a management data signal are input from the control unit 111a, the communication control unit 106 executes a communication procedure stored in advance. Therefore, the connection operation of the communication line with the management device 2a is performed, and when the communication line with the management device 2a is connected, the input signal from the control unit 111a is transmitted via the communication line. When receiving a permission signal or a non-permission signal from the management device 2a via the communication line, the control unit 111a outputs the permission signal or the non-permission signal to the control unit 111a.

The financial institution storage unit 107 stores one or more financial institution codes, communication destination codes corresponding to the respective financial institution codes, and priorities of the respective financial institution codes. In this embodiment, the financial institution codes of the financial institution A and the financial institution B are stored, and the financial institution A is set to the first priority.

The transaction data storage unit 108 includes a control unit 111
When transaction data is input from a, the transaction data is stored.

The schedule storage unit 109 stores the transaction data stored in the transaction data storage unit 108 in the management device 2a.
The closing time for transmission to the server is stored in advance.

The collation data storage unit 112 stores an operation written on a card held by an operator who is authorized to replenish cash in the automatic transaction apparatus 1a and to collect cash in the automatic transaction apparatus 1a. User code is stored as collation data.

The control unit 111a outputs display data for displaying a transaction menu to the display unit 101, and upon receiving a selection signal from the input unit 102, displays a procedure corresponding to the selected transaction menu. The display data is output to the display unit 101. In the present embodiment, the transaction menu is to withdraw cash from the designated account, transfer cash to the designated account, check the balance, replenish cash, and collect cash. However, the present invention is not limited to this.

A selection signal indicating that cash withdrawal from the designated account or cash transfer to the designated account is selected from the transaction menu is input from the input unit 102, and a password and a card from the input unit 102 are further input. When card data is input from the reader 103, the financial institution code included in the card data is stored in the financial institution storage unit 107.
It is determined whether or not it matches any of the financial institution codes stored in. If the financial institution code included in the card data matches the financial institution code stored in the financial institution storage unit 107, the transaction code indicating the type of transaction selected by the input unit 102, A transaction request signal including information such as a communication destination code corresponding to the code, a password, card data, and a transaction amount (amount data input from the input unit 102 or an amount data from the banknote depositing mechanism 104) is transmitted to the communication control unit 106. Output. In this case, the communication destination code included in the transaction request signal is a communication destination code corresponding to the financial institution code written in the card data. If the financial institution code included in the card data from the card reader 103 does not match the financial institution code stored in the financial institution storage unit 107, the financial institution stored in the financial institution storage unit 107 The communication destination code corresponding to the financial institution code stored with the highest priority among the institution codes is the communication destination code.

Thereafter, when a permission signal is input from the communication control unit 106, a communication destination code, a transaction code, a password,
Transaction data including information such as card data and transaction amount is output to transaction data storage unit 108. When a disapproval signal is input from communication control unit 106, transaction data to which transaction result code indicating that the result of the transaction is not permitted is added to transaction data storage unit 108 and communication control unit 106. Further, after the permission signal is input, if the card is not ejected or the inserted bill is not normally stored in the storage box, etc., a cancellation code indicating that the transaction is canceled to the communication control unit 106, a communication destination code, A cancellation signal including information such as a transaction code, a password, a card data, and a transaction amount is output, and transaction data to which a cancellation code indicating that the transaction has been canceled is added to the transaction data storage unit 108 and the communication control unit 106. I do.

When a selection signal indicating that balance inquiry has been selected from the transaction menu is input from the input unit 102, and a password and a card data from the card reader 103 are input from the input unit 102, the card data Is stored in the financial institution storage unit 107.
It is determined whether or not it matches any of the financial institution codes stored in. If the financial institution code included in the card data matches the financial institution code stored in the financial institution storage unit 107, the transaction including information such as a transaction code, a communication destination code, a personal identification number, and card data is performed. A request signal is output to communication control section 106. In this case, the communication destination code included in the transaction request signal is a communication destination code corresponding to the financial institution code written in the card data. If the financial institution code included in the card data from the card reader 103 does not match the financial institution code stored in the financial institution storage unit 107, the financial institution stored in the financial institution storage unit 107 The communication destination code corresponding to the financial institution code stored with the highest priority among the institution codes is the communication destination code.

Thereafter, when the permission signal and the balance data are input from the communication control unit 106, transaction data including information such as a communication destination code, a transaction code, a personal identification number, and card data are output to the transaction data storage unit 108 and the processing is performed. At the same time, display data for displaying the balance data is output to the display unit. When a non-permission signal is input from the communication control unit 106, the transaction data to which the transaction result code indicating that the transaction result is not permitted is added to the transaction data storage unit 108.

A selection signal indicating that cash replenishment or cash collection has been selected from the transaction menu is input from the input unit 102, and a personal identification number from the input unit 102 and card data from the card reader 103 are also input. Then, the operator code included in the card data is read, and it is confirmed whether or not the operator code matches the collation data stored in the collation data storage unit. If they match, the information includes information such as a transaction code, a personal identification number, card data, a replenishment amount (amount data input from the banknote depositing mechanism 104) or a collection amount (amount data input from the input unit 102). While outputting the transaction data to the transaction data storage unit 108, a transaction code,
A management data signal including information such as a personal identification number, card data, a replenishment amount, or a collection amount is output to the communication control unit 106, and the process ends.

When the time stored in the schedule storage unit 109 comes, the transaction data stored in the transaction data storage unit 108 is read, and the identification data previously assigned to each automatic transaction apparatus and the closing data signal including the transaction data are provided. Is output to the communication control unit 106.

The management device 2a includes a communication control unit 201, a transaction data storage unit 202, an individual information storage unit 203, an amount storage unit 204, a communication control unit 205, a communication history storage unit 206,
Display unit 207, schedule storage unit 211, control unit 20
8a.

The communication control unit 201 performs a connection operation of a communication line with the automatic transaction apparatus 1a according to a communication procedure stored in advance, and transmits a transaction request signal, a cancellation signal, When receiving the near full signal, the near end signal, the transaction data signal, the closing data signal, and the management data signal, it outputs the received signal to the control unit 208a. When a permission signal or a non-permission signal is input from the control unit 208a, the input signal is transmitted to the automatic transaction apparatus 1a via a communication line. In this embodiment, the case where the communication control unit 201 communicates with one automatic transaction device 1a will be described. However, the communication control unit 201 may communicate with a plurality of automatic transaction devices.

The transaction data storage unit 202 is composed of a first transaction data storage unit and a second transaction data storage unit (not shown). When transaction data is input from the control unit 208a, the transaction data storage unit 202 stores the transaction data.

The individual information storage unit 203 stores the automatic transaction device 1
The individual information such as the name, address, telephone number, map, and identification information assigned to the automatic transaction apparatus 1a of the store or office where “a” is installed is stored in advance.

The amount storage unit 204 stores the financial institutions A, B,
A reference amount preset for each C is stored, and when total amount data is input from the control unit 208a, the total amount for each financial institution included in the total amount data is stored.

When the transaction request signal or the cancellation signal is input from the control unit 208a, the communication control unit 205, based on the communication destination code included in the input signal, according to the communication procedure of the public network 3 stored in advance. The communication line is connected to the processing unit 5A of the financial institution A or the processing unit 5B of the financial institution B, and when the communication line to the processing unit 5A of the financial institution A or the processing unit 5B of the financial institution B is connected, the communication line is connected. Via the control unit 208a. When receiving a permission signal or a non-permission signal from the financial institution A or the financial institution B via the communication line, the control unit 208a outputs the received signal to the control unit 208a.

The communication history storage unit 206 stores the communication control unit 20
5 stores signals transmitted and received between the processing unit 5A of the financial institution A and the processing unit 5B of the financial institution B, and history data including transmission and reception times.

When display data is input from the control unit 208a, the display unit 207 displays characters and figures according to the display data.

The schedule storage unit 211 stores a preset time.

When a transaction request signal or a cancellation signal is input from the communication control unit 201, the control unit 208a outputs the input signal to the communication control unit 205, and receives a permission signal or a non-permission signal from the communication control unit 205. Then, the input signal is output to the communication control unit 201.

When a near-full signal or a near-end signal is input from the communication control unit 201, the individual information storage unit 203 stores the individual information of the automatic transaction device 1a based on the identification information of the automatic transaction device 1a included in the input signal. Is read, and display data for displaying the individual information and the information indicating the near full or near end is output to the display unit 207.

When a transaction data signal is input from the communication control unit 201, the transaction data is stored in the transaction data storage unit 202.
Is output to the first transaction data storage unit. When the closing data signal is input from the communication control unit 201, the transaction data included in the closing data is stored in the transaction data storage unit 2.
02 to the second transaction data storage unit. Then, the transaction data stored in the first transaction data storage unit is compared with the transaction data stored in the second transaction data storage unit. If the two match, the transaction data is output to the first storage unit as confirmation data. If the two do not match, it is determined based on the communication history stored in the communication history storage unit 206 whether the transaction data stored in the first transaction data storage unit is correct. As a result, if the first transaction data is confirmed to be correct, the transaction data is output to the first storage unit as confirmation data. However, if the transaction data stored in the first transaction data storage unit is not correct, the individual information corresponding to the identification information is stored in the individual information storage unit 203 based on the identification information included in the closing data. It reads the individual information and outputs display data for displaying that the transaction amounts of the transaction data stored in the first transaction data storage unit do not match to the display unit 207.

When the time stored in the schedule storage unit 211 comes, the transaction amount included in the confirmation data having the same financial institution code among the confirmation data stored in the first transaction data storage unit is added, and the amount is stored. The unit 204 reads the total amount stored corresponding to the financial institution code, and adds the total amount obtained by adding the amount obtained from the confirmation data stored in the first transaction data storage unit to the read total amount. The financial institution code of the financial institution is output to the amount storage unit 204 as total amount data. Then, the total amount is compared with the reference amount of the financial institution stored in the amount storage unit 204, and when the total amount of the financial institution exceeds or falls below the reference amount, the total amount of the financial institution is compared with the total amount of the financial institution. Display data for displaying that the total amount has deviated from the preset reference amount is output to the display unit 207.

When a management data signal is input from the communication control unit 201, the management data is stored in the transaction data storage unit 202.
Output to The public network 3 is a network dedicated to settlement, and connects a communication line between the management device 2a and the processing device 5A of the financial institution A or the processing device 5B of the financial institution B according to a predetermined communication procedure. 2a from the processing unit 5A of the financial institution A or the financial institution B
To the processing device 5B of the financial institution A or the processing device 5B of the financial institution B.
Send to a. The financial institution network 4 is a network to which only the financial institution can be connected, and connects a communication line between the processing device 5A of the financial institution A and the processing device 5C of the financial institution C. To the processing unit 5C of the financial institution C, and the processing unit 5 of the financial institution C.
The signal from C is transmitted to the processing device 5A of the financial institution A.
The processing device 5A of the financial institution A includes a first communication control unit 501
A, communication procedure storage unit 502A, second communication control unit 503
A, an account data storage unit 504A, and a control unit 505A. The first communication control unit 501A performs a connection operation of a communication line with the management device 2a according to a communication procedure of the public network 3 stored in advance, and receives a transaction request signal and a cancellation signal via the public network 3. , And outputs the received signal to the control unit 505A. Also,
When a permission signal or a non-permission signal is input from the control unit 505a, the input signal is transmitted to the management device 2a via the communication line.
Send to The communication procedure storage unit 502A stores a communication procedure with the processing device 5C of the financial institution C in advance according to the financial institution code. The second communication control unit 503A receives the transaction request signal and the cancellation signal from the control unit 505A,
Based on the financial institution code included in the input signal, the communication procedure corresponding to the financial institution code is read out of the communication procedures stored in the communication procedure storage unit 502A, and is read via the financial institution network 4 according to the communication procedure. The connection operation of the communication line with the processing device 5C of the financial institution C is performed. Then, when the communication line with the processing device 5C of the financial institution C is connected, an input signal from the control unit 505A is transmitted via the communication line. Further, when receiving a permission signal or a non-permission signal from the processing device 5C of the financial institution C via the communication line, it outputs the received signal to the control unit 505A. The account data storage unit 504A stores a password, a customer address, a name, and the like corresponding to each account number in advance according to the account number of the customer of the financial institution A, and receives the transaction data from the control unit 505A. The transaction data is stored. Also,
When the cancellation signal is input, the latest transaction data corresponding to the account number is erased from the stored transaction data based on the account number included in the cancellation signal. Control unit 5
05A, when a transaction request signal from the first communication control unit 505A is input, if the financial institution code included in the transaction request signal is the financial institution code of the financial institution A stored in advance, Whether the account number included in the transaction request signal matches one of the account numbers stored in the account data storage unit 504A, and the password matches the password stored corresponding to the account number. Confirm whether to do. If the account number and the password match those stored in the account number storage unit 504A, the first
And outputs a permission signal to the communication control unit 501A.
The card data, the transaction code, and the transaction amount included in the transaction request signal are output to the account data storage unit 504A as transaction data. When the account number of the card data does not match any of the account numbers stored in the account data storage unit 504A, or when the password does not match the password stored corresponding to the account number. Outputs a non-permission signal to the first communication control unit 501A. The processing device 5B of the financial institution B includes a communication control unit 501B, an account data storage unit 504B, and a control unit 505B. The communication control unit 501B performs a connection operation of a communication line with the management device 2a in accordance with a communication procedure of the public network 3 stored in advance, and upon receiving a transaction request signal and a cancellation signal via the public network 3, the reception The signal is output to the control unit 505B. When a permission signal or a non-permission signal is input from the control unit 505B, the input signal is transmitted to the management device 2a via the communication line. The account data storage unit 504B stores, in advance, a password, a customer address, a name, and the like corresponding to each account number in accordance with the account number of the customer of the financial institution B, and receives the transaction data from the control unit 505B. The transaction data is stored. Also,
When the cancellation signal is input, the latest transaction data corresponding to the account number is erased from the stored transaction data based on the account number included in the cancellation signal. Control unit 5
When the transaction request signal from the communication control unit 501A is input, 05B confirms whether the financial institution code of the card data included in the transaction request signal is the financial institution code of the financial institution B. In the case of the financial institution code of the financial institution B, whether or not the account number included in the transaction request signal matches any of the account numbers stored in the account data storage unit 504B, and the password is set to the account number It is determined whether or not the password matches a correspondingly stored password. The account number and the password are stored in the account number storage unit 504B.
If it matches with the one stored in the communication control unit 50,
1B, the card data, the transaction code, and the transaction amount included in the transaction request signal are output to the account data storage unit 504B as transaction data. In addition,
If the account number does not match any of the account numbers stored in the account data storage unit 504B, or if the password does not match the password stored corresponding to the account number, the communication control unit A non-permission signal is output to 501B. The processing device of the financial institution C includes a communication control unit 503C,
It comprises an account data storage unit 504C and a control unit 505C. The communication control unit 501C performs a connection operation of a communication line with the financial institution A via the financial institution network according to a communication procedure stored in advance, and receives a transaction request signal and a cancellation signal via the financial institution network 4. , And outputs the received signal to the control unit 505C. Also,
When a permission signal or a non-permission signal is input from the control unit 505C, the input signal is transmitted to the processing device 5A of the financial institution A via the communication line. Account data storage unit 504C
Stores in advance a personal identification number corresponding to each account number, a customer address, a name, and the like according to the account number of the customer of the financial institution C, and stores the transaction data when transaction data is input from the control unit 505C. I do. When a cancellation signal is input, the latest transaction data corresponding to the account number is erased from the stored transaction data based on the account number included in the cancellation signal. When the transaction request signal from communication control unit 503C is input, control unit 505C determines whether the financial institution code included in the transaction request signal is the financial institution code of financial institution C stored in advance. I do. In the case of the financial institution code of the financial institution C, the account number included in the transaction request signal is stored in the account data storage unit 504.
It is checked whether the account number matches one of the account numbers stored in C and whether the password matches the password stored in correspondence with the account number. If the account number and the password match those stored in the account number storage unit 504C, a permission signal is output to the communication control unit 503C, and the account number, the transaction code, and the transaction amount included in the transaction request signal are output. The data is output to the account data storage unit 504C as transaction data. Note that the account number of the card data or the customer code does not match any of the account numbers stored in the account data storage unit 504C, or the password does not match the password stored in correspondence with the account number. If not, it outputs a non-permission signal to the communication control unit 503C.

[Operation] Next, the settlement system of the present invention shown in FIG.
The operation of the system and the money management system will be described. 1. Cash withdrawal from designated account (1) Cash withdrawal from financial institution A account (financial institution
The same is true for B.) The user holding the card of the financial institution A is
Automatic transaction device 1 using a card issued by institution A
When withdrawing cash from a, the user first enters the input unit 10
From the transaction menu displayed on the display unit 101 from Step 2
Select "Cash withdrawal". Then, the input unit 102
Is a selection signal indicating that "Cash withdrawal" has been selected
Is output to the control unit 111a. Control unit 111a
When a selection signal is input from the input unit 102, the user
Prompts the user to insert a card into the card reader 103
The display data for displaying the message is displayed on the display unit 10.
Output to 1. The display unit 101 receives an instruction from the control unit 111a.
After the display data is entered, the user is prompted to insert the card.
A prompting message is displayed by text or graphic. This method
The user who sees the message automatically deletes the card
Insert into transaction device 1a. Card transaction of automatic transaction device 1a
Is a card written on the inserted card.
Reads the data and sends the card data to the control unit 111a.
Output. The control unit 111 a
When the user inputs the card data, the input unit 10
A message appears prompting you to enter your PIN from Step 2.
The display data to be displayed is output to the display unit 101. display
The unit 101 receives display data from the control unit 111a.
A message prompting the user to enter a PIN
Display by text or figure. Seeing this message
The user enters a password corresponding to the inserted card into the input unit 1
Input from 02. The input unit 102 is input by the user
The personal identification number is output to the control unit 111a. Control unit 111a
Indicates that when the password is input from the input unit 102, the user
Prompting the user to enter the amount from the input unit 102
Display data for displaying the page on the display unit 101.
Power. The display unit 101 displays the display data from the control unit 111a.
When the data is entered, the user is prompted to enter the amount.
Display the message in text or graphics. This message
The user who sees the amount of cash to withdraw from the input unit 102
input. The input unit 102 displays the amount (collection) input by the user.
(The discount amount) to the control unit 111a. Control unit 111a
Input card data from the card reader 103
And the financial institution code included in the card data is
It is confirmed whether or not it is stored in the institution storage unit 107.
At this time, the financial institution code included in the card data
Indicates financial institution A, and the financial institution code is
Since it is stored in the financial institution storage unit 107, the control unit 1
11a further corresponds to the financial institution code of financial institution A.
Is read from the financial institution storage unit 107, and
The communication destination code, card data, password, input unit 10
The content of the transaction selected by the user in 2 (in this case, "Cash
Withdrawal ”), transaction code including transaction amount
A request signal is output to communication control section 106. Communication control unit 10
6, a transaction request signal from the control unit 111a is input.
And the management device 2 according to the communication procedure stored in advance.
a of the communication line with the management device 2a.
Is connected from the control unit 111a.
A transaction request signal is sent to the management device 2a via the communication line.
I believe. The communication control unit 201 of the management device 2a
Upon receiving the transaction request signal from the device 1a,
The request signal is output to the control unit 208a. Control unit 208a
, A transaction request signal from the communication control unit 201 is input
Then, the transaction request signal is output to the communication control unit 205.
The communication control unit 205 receives a transaction request signal from the control unit 208a.
Financial institution where the destination code included in the issue is stored in advance
Check if it is code. Here, the communication destination code is
Since the financial institution code indicates the financial institution A, the communication control
The unit 205 communicates with the public network 3 stored in advance.
Communication with the processing unit 5A of the financial institution A in accordance with the communication procedure
Perform line connection operation. And the processing device of the financial institution A
When the communication line with 5A is connected, via the communication line
The card data, password, and the like are sent to the processing device 5A of the financial institution A.
A transaction request signal including the transaction code and the transaction amount is transmitted.
At this time, the communication history storage unit 206 stores the transaction request signal
And the communication destination code. Processing unit of financial institution A
The first communication control unit 501A of 5A is connected via a communication line.
Upon receiving the transaction request signal from the management device 2a,
An output request signal is output to the control unit 505A. Control unit 505
A is a transaction request signal from the first communication control unit 501A.
When input, the card data included in the transaction request signal
Is the financial institution code of financial institution A
Make sure that The financial institution code of the card data is financial
Since it is the financial institution code of the institution A, the control unit 505A
Next, the account number of the card data is stored in the account data storage unit.
504A and whether the transaction request signal
Password is the password corresponding to the account number
Is stored in the account data storage unit 504A as the
Determine whether or not. The account number of the card data is
Data storage unit 504A and a transaction request
The security code included in the signal is the security code corresponding to the account number.
The number was stored in the account data storage unit 504A.
In this case, the transaction is permitted to the first communication control unit 501A.
Output a permission signal indicating that the Also, the control unit 505
A is the card data included in the transaction request signal, the transaction
Account data storage unit for transaction data including codes and transaction amounts
504A. Account data storage unit 504A
When the transaction data from the control unit 505A is input, the transaction data
Transaction data of the account number of the card data included in the
To store the transaction data. First communication control unit 501
A receives the permission signal from the control unit 505A, and
The permission signal is transmitted to the management device 2a via the communication line.
You. The communication control unit 205 of the management device 2a
When the permission signal is received from the processing device 5A, the permission signal is received.
Output to the control unit 208a and the financial institution A
The communication line with the processing device 5A is disconnected. At this time,
The communication history storage unit 205 stores the received permission signal and the communication destination
Memorize the code. The control unit 208a includes the communication control unit 205
When a permission signal is input from the
Output to the unit 201. The communication control unit 201 includes the control unit 20
8a is transmitted to the automatic transaction apparatus 1a through the permission signal
Send over the wire. Communication controller 1 of automatic transaction device 1a
06 receives the permission signal from the management device 2a,
The permission signal is output to the control unit 111a. Control unit 111
When a permission signal is input from the communication control unit 106,
Amount data according to the transaction amount is sent to the bill payment mechanism 105.
Output and eject the card from the card reader,
A message instructing you to remove cash from the cash slot
Output display data to be displayed to the display unit 101
You. Further, the communication line with the management device 2a is disconnected.
The bill payment mechanism 105 receives the amount data from the control unit 111a.
When the data is entered, the cash corresponding to the amount data is stored
Take it out of the box and discharge it to the cash slot. Display unit 101
When display data is input from the control unit 111a,
Take out cash from the cash slot according to the display data
Display the message to be instructed in characters or figures and inform the user
Know. The user checks the content displayed on the display unit 101.
Cash and card reader discharged to the deposit and withdrawal port
Remove the ejected card. The control unit 111a
When the user takes out the cash and the card, the communication control unit 106
To the identification information,
Transaction data, including transaction data, transaction code, and transaction amount.
Power. The communication control unit 106 receives data from the control unit 111a.
When the data is input, the connection of the communication line with the management device 2a is established.
Connection operation and the communication line with the management device 2a is connected.
And transmits the transaction data to the management device 2a.
The communication line with 2a is disconnected. Communication control of management device 2a
The unit 201 receives the transaction data from the automatic transaction device 1a
Then, the transaction data is output to the control unit 208a.
The control unit 208a stores transaction data from the communication control unit 201.
Is entered, the transaction data is stored in the transaction data storage unit 20.
2 to the first transaction data storage unit. First
The transaction data storage unit stores the transaction data from the control unit 208a.
When the data is input, the transaction data is stored. In addition, gold
The control unit 505A of the fusion engine A includes a first communication control unit 501.
A, when a transaction request signal is input from A,
The account number of the card data included in the issue is stored in the account data
A signal not stored in the unit 504A or a transaction request signal
Is the password corresponding to the account number
Is not stored in the account data storage unit 504A
The transaction is permitted to the first communication control unit 501A.
It outputs a non-permission signal indicating not to do so. First communication system
The control unit 501A receives a non-permission signal from the control unit 505A.
Input, the rejection signal is sent to the management device via the communication line.
2a. The communication control unit 205 of the management device 2a
Upon receiving the disapproval signal from financial institution A,
A signal is output to the control unit 208a and the financial institution A
Disconnect the communication line connected between. At this time,
The communication history storage unit 205 stores the received disapproval signal and the communication destination.
Remember the code. The control unit 208a is a communication control unit 20
5 when the disapproval signal is input.
Output to the communication control unit 201. The communication control unit 201 controls
The non-permission signal input from the unit 208a is transmitted to the automatic transaction apparatus 1a.
Via the communication line. Communication of automatic transaction device 1a
The control unit 106 receives the non-permission signal from the management device 2a.
Then, the non-permission signal is output to the control unit 111a.
The control unit 111a receives a non-permission signal from the communication control unit 106.
To indicate that a transaction cannot be made
Is output to the display unit 101. Display unit 101
When display data is input from the control unit 111a,
The fact that transactions cannot be performed according to the display data
Display more and notify the user. In addition, the automatic transaction device 1a
The control unit 111a receives the permission signal from the communication control unit 106.
No. is input and the amount data is output to the bill payment mechanism 105
And ejected the card from the card reader
The cash or card was jammed inside the automatic transaction machine 1a.
Transactions may not be guaranteed for any reason. This
In the case of, the control unit 111a determines that the transaction is canceled.
Instruction, communication destination code, card data, transaction code
And a cancellation signal including the transaction amount is output. Communication control unit 1
06, when the cancellation signal from the control unit 111a is input,
With the management device 2a according to the communication procedure stored in advance.
Connection operation of the communication line of the
When the communication line is connected, the cancellation input from the control unit 111a
The signal has been transmitted to the management device 2a via the communication line.
Then, the communication line is disconnected. Communication control unit 2 of management device 2a
01 receives a cancellation signal from the automatic transaction apparatus 1a
And outputs the cancellation signal to the control unit 208a. Control unit
Reference numeral 208a denotes an input of a cancellation signal from the communication control unit 201.
Then, the cancellation signal is output to the communication control unit 205. Through
The communication control unit 205 includes the cancellation signal from the control unit 208a.
The destination code indicates which financial institution
Check if Here, the communication destination code is financial institution A
Since the financial institution code is
According to the stored communication procedure of the public network 3
The connection operation of the communication line with the financial institution A is performed. Soshi
When the communication line with financial institution A is connected,
Cancellation instruction, card data, transaction to financial institution A via line
Send a cancellation signal containing the code and the transaction amount. This and
The communication history storage unit 206 stores the cancellation signal.
You. The first communication control unit 501A of the financial institution A performs the communication
Upon receiving a cancellation signal from the management device 2a via the line,
The cancellation signal is output to control section 505A. Control unit 50
5A receives the cancellation signal from the first communication control unit 501A.
If you press the key, the financial
That the institution code is the financial institution code of financial institution A
Confirm. The financial institution code of the card data is financial institution A
Since the financial institution code is, the control unit 505A
The account number of the card data is stored in the account data storage unit 504.
It is determined whether or not it is stored in A. The card day
Is stored in the account data storage unit 504A.
If there is, the card data is stored in the account data storage unit 504A.
Output cancellation data including transaction data, transaction code and transaction amount
You. The account data storage unit 504A is provided from the control unit 505A.
Is entered in the cancellation data
Transaction data stored as account number in card data
Of the latest transaction data that matches the
to erase. In this case, the control unit 111 of the automatic transaction apparatus 1a
a is a knowledge that is given in advance for each automatic transaction device.
Other information, card data, transaction code, transaction amount, cash and
The transaction was not performed because the card was clogged
To the communication control unit 106 including the code indicating the
Power. The communication control unit 106 receives data from the control unit 111a.
When the data is input, the connection of the communication line with the
Connection operation and the communication line with the management device 2a is connected.
And transmits the transaction data to the management device 2a.
The communication line with 2a is disconnected. Communication control of management device 2a
The unit 201 receives the transaction data from the automatic transaction device 1a
Then, the transaction data is output to the control unit 208a.
The control unit 208a stores transaction data from the communication control unit 201.
Is entered, the transaction data is stored in the transaction data storage unit 20.
2 to the first transaction data storage unit. First
The transaction data storage unit stores the transaction data from the control unit 208a.
When the data is input, the transaction data is stored. (2) Withdrawing cash from the account of the financial institution C The user holding the card of the financial institution C is required to
Automatic transaction device 1 using a card issued by institution C
When withdrawing cash from a, the user first enters the input unit 10
From the transaction menu displayed on the display unit 101 from Step 2
Select "Cash withdrawal". Then, the input unit 102
Is a selection signal indicating that "Cash withdrawal" has been selected
Is output to the control unit 111a. Control unit 111a
When a selection signal is input from the input unit 102, the user
Prompts the user to insert a card into the card reader 103
The display data for displaying the message is displayed on the display unit 10.
Output to 1. The display unit 101 receives an instruction from the control unit 111a.
After the display data is entered, the user is prompted to insert the card.
A prompting message is displayed by text or graphic. This method
The user who sees the message automatically deletes the card
Insert into transaction device 1a. Card transaction of automatic transaction device 1a
Is a card written on the inserted card.
Reads the data and sends the card data to the control unit 111a.
Output. The control unit 111 a
When the user inputs the card data, the input unit 10
A message appears prompting you to enter your PIN from Step 2.
The display data to be displayed is output to the display unit 101. display
The unit 101 receives display data from the control unit 111a.
A message prompting the user to enter a PIN
Display by text or figure. Seeing this message
The user enters a password corresponding to the inserted card into the input unit 1
Input from 02. The input unit 102 is input by the user
The personal identification number is output to the control unit 111a. Control unit 111a
Indicates that when the password is input from the input unit 102, the user
Prompting the user to enter the amount from the input unit 102
Display data for displaying the page on the display unit 101.
Power. The display unit 101 displays the display data from the control unit 111a.
When the data is entered, the user is prompted to enter the amount.
Display the message in text or graphics. This message
The user who sees the amount of cash to withdraw from the input unit 102
input. The input unit 102 displays the amount (collection) input by the user.
(The discount amount) to the control unit 111a. Control unit 111a
Input card data from the card reader 103
And the financial institution code included in the card data is
It is confirmed whether or not it is stored in the institution storage unit 107.
At this time, the financial institution code included in the card data
Indicates financial institution C, and the financial institution code is
Since it is not stored in the financial institution storage unit 107, the control unit
111a is further stored in the financial institution storage unit 107
Check the financial institution code with the highest priority. Financial institution
In the storage unit 107, the financial institution code of the financial institution A has priority.
Since the order is stored as the first place, the control unit 111a
Is the communication destination code corresponding to the financial institution code of financial institution A.
Is read from the financial institution storage unit 107, and the
Card, card data, PIN, transaction code, transaction amount
The transaction request signal including the transaction request signal is output to the communication control unit 106. communication
The control unit 106 receives a transaction request signal from the control unit 111a.
When input, the management is performed according to the communication procedure stored in advance.
The connection operation of the communication line with the management device 2a is performed, and the management device 2a
When the communication line between the control unit 111a and the
The management device receives the input transaction request signal via the communication line.
2a. The communication control unit 201 of the management device 2a
Upon receiving the transaction request signal from the automatic transaction device 1a,
The transaction request signal is output to the control unit 208a. Control unit 2
08a is an input of a transaction request signal from the communication control unit 201.
Then, the transaction request signal is output to the communication control unit 205.
You. The communication control unit 205 receives a transaction request from the control unit 208a.
The destination code included in the request signal indicates which financial institution
Check if it is. Here, the communication destination code is
The communication control unit 205 indicates the financial institution A.
Corresponds to the communication procedure of the public network 3 stored in advance.
Therefore, the connection of the communication line with the processing device 5A of the financial institution A is established.
Continue operation. And, with the processing unit 5A of the financial institution A
When the communication line between the financial institutions is connected,
Card data, personal identification number, transaction code
And a transaction request signal including the transaction amount. This and
The communication history storage unit 206 stores the transaction request signal and
The communication destination data is stored. Of the processing unit 5A of the financial institution A
The first communication control unit 501A has a management device via a communication line.
Receiving the transaction request signal from the device 2a,
The signal is output to the control unit 505A. The control unit 505A
A transaction request signal from the first communication control unit 501A is input.
The financial data of the card data contained in the transaction request signal
The financial institution code of the financial institution A stored in advance by the institution code
Check if the mode is correct. Card data financial institution
Is the financial institution code of the financial institution C, the control unit 5
05A is next to the card data, transaction code, transaction money
A transaction request signal including the amount is output to the second communication control unit 503A.
Power. The second communication control unit 503A includes a control unit 505A
When a transaction request signal from
Communication based on the financial institution code of the included card data
Of the communication procedures stored in procedure storage section 502A,
Communication procedure with the financial institution corresponding to the financial institution code;
Mari, read the communication procedure with financial institution C, read
Via the financial institution network 4 according to the communication procedure
The connection operation of the communication line with the financial institution C is performed. And gold
When the communication line with the financial institution C is connected, the financial institution C
Send a transaction request signal to Communication control unit 5 of financial institution C
03C is the financial institution A via the financial institution network 4.
When a transaction request signal is received from
Output to control unit 505C. The control unit 505C controls the communication
When a transaction request signal from the control unit 503C is input,
The account number of the card data included in the
Whether the data is stored in the data storage unit 504C, and
The PIN included in the transaction request signal corresponds to the account number
Stored in the account data storage unit 504C as a password
It is determined whether or not it has been performed. Account number of the card data
Is stored in the account data storage unit 504C.
In addition, the password included in the transaction request signal
Recorded in the account data storage unit 504C as the corresponding password
If remembered, the transaction is transmitted to the communication control unit 503C.
A permission signal indicating permission is output, and the account
Included in the transaction request signal to the data storage unit 504C
Transaction data including card data, transaction code, transaction amount
Is output. The account data storage unit 504A includes the control unit 50
When transaction data from 5A is entered, it is included in the transaction data
The transaction data of the account number of the card data
The index data is stored. The communication control unit 503C includes the control unit 5
When the permission signal from the receiver 05C is input, the permission signal is
Processing unit 5 of financial institution A via financial institution network 4
Send to A. Second transmission / reception of the processing device 5A of the financial institution A
Shinbu 503A conducts financial services via financial institution network 4.
When receiving the permission signal from the organization C, the permission signal is controlled.
Output to the control unit 505A and the processing equipment of the financial institution C.
The communication line with the device 5C is disconnected. Control unit 505A
Indicates that the permission signal from the second communication control unit 503A is input.
Then, the permission signal is output to the first communication control unit 501A.
I do. The first communication control unit 501A is different from the control unit 505A
When these permission signals are input, the permission signals are sent to the public network.
The data is transmitted to the management device 2a via the work 3. Management device 2
a, the communication control unit 205 of the financial institution A
When these permission signals are received, the permission signal is transmitted to the control unit 20.
8a and the processing unit 5A of the financial institution A.
Disconnect the communication line between At this time, the communication history storage unit
205 stores the received permission signal and the communication destination code.
You. The control unit 208a receives the permission signal from the communication control unit 205.
Signal, the permission signal is output to the communication control unit 201.
Power. The communication control unit 201 receives an input from the control unit 208a.
Sent to the automatic transaction apparatus 1a via the communication line.
I believe. The communication control unit 106 of the automatic transaction apparatus 1a manages
When the permission signal is received from the device 2a, the permission signal is received.
Output to the control unit 111a, and
Disconnect the communication line between them. The control unit 111a performs communication control
When the permission signal is input from the unit 106, the communication control unit 10
6 and outputs the transaction confirmation signal to the bill payment mechanism 105.
Output the amount data according to the amount of the cash
As well as withdraw cash from the cash slot
Display data for displaying a message instructing
Data to the display unit 101. Bill payment mechanism 105
Is input when the amount data is input from the control unit 111a.
Take out the cash corresponding to the amount data from the storage box, enter and exit
Discharge to the opening. The display unit 101 is controlled by the control unit 111a.
When the display data is entered, it is entered according to the display data.
Write a message instructing you to remove cash from the withdrawal port.
It is displayed in characters and figures to notify the user. Users can view
Check the contents displayed on the part 101 and discharge to the deposit / withdrawal port.
Cash and the card ejected from the card reader.
Start. The control unit 111a allows the user to use cash and a card.
When the automatic transaction device is taken out,
Identification information, card data, transaction code,
Output transaction data including transaction amount. Communication control unit 10
6, when the transaction data from the control unit 111a is input,
Performs the connection operation of the communication line with the management device 2a, and
2a, the transaction data is managed.
To the management device 2a and disconnect the communication line with the management device 2a
I do. The communication control unit 201 of the management device 2a is an automatic transaction device.
When receiving the transaction data from the device 1a,
Is output to the control unit 208a. The control unit 208a performs communication
When transaction data is input from the control unit 201, the transaction
The first transaction that configures the data in the transaction data storage unit 202
Output to the data storage unit. The first transaction data storage unit is
When the transaction data from the control unit 208a is input,
The index data is stored. The control unit 505 of the financial institution C
C has received a transaction request signal from the communication control unit 503C.
The card data included in the transaction request signal
The account number is not stored in the account data storage unit 504C.
Or the password included in the transaction request signal is
Account data storage unit 50 as a password corresponding to the account number
4C, the communication control unit 503
Outputs a non-permission signal indicating that the transaction is not permitted to C
I do. The communication control unit 503C communicates with the control unit 505C.
When the permission signal is input, the non-permission signal is transmitted to the financial institution network.
The data is transmitted to the financial institution A via the network 4. Financial Institution A
Of the financial institution network 4
When a disapproval signal is received from financial institution C via
The rejection signal is output to the control unit 505A and
The communication line with the institution C is disconnected. Control unit 505A
Indicates that the disapproval signal from the second communication control unit 503A is input.
Then, the non-permission signal is sent to the first communication control unit 501A.
Output. The first communication control unit 501A includes a control unit 505
When the disapproval signal from A is input, the disapproval signal is made public.
To the management device 2a via the public network 3. tube
The communication control unit 205 of the management device 2a
When the permission signal is received, the non-permission signal is transmitted to the control unit 208.
a and connected to financial institution A.
Disconnect the communication line. At this time, the communication history storage unit 20
5 stores the received rejection signal and the communication destination code.
The control unit 208a receives a non-permission signal from the communication control unit 205.
Is input to the communication control unit 201.
Power. The communication control unit 201 receives an input from the control unit 208a.
Via the communication line to the automatic transaction apparatus 1a.
Send. The communication control unit 106 of the automatic transaction apparatus 1a
When receiving the non-permission signal from the physical device 2a,
The signal is output to the control unit 111a. The control unit 111a
When the non-permission signal is input from the communication control unit 106, the transaction
Displays display data to indicate that you cannot
Output to the unit 101. The display unit 101 includes a control unit 111a
Input the display data from
To the user by displaying the fact that transactions are not possible
Notify. Also, the control unit 111a of the automatic transaction apparatus 1a
Indicates that the permission signal from the communication control unit 106 is input,
Output the amount data to the payment mechanism 105, and
Automatic transaction device 1
aTransaction due to cash or card jam inside
May not be performed reliably. In this case, the control unit 11
1a is a cancellation instruction and communication indicating that the transaction is canceled.
Including destination code, card data, transaction code, transaction amount
Outputs cancel signal. The communication control unit 106 controls the control unit 11
1a, when a cancel signal is input, a previously stored communication
Connection operation of the communication line with the management device 2a in accordance with the communication procedure.
Operation and the communication line with the management device 2a is connected.
And the cancellation signal input from the control unit 111a.
After transmitting to the management device 2a via the line, disconnect the communication line
I do. The communication control unit 201 of the management device 2a is an automatic transaction device.
When the cancellation signal from the device 1a is received, the cancellation signal is controlled.
Output to the control unit 208a. The control unit 208a performs communication control
When the cancellation signal from the unit 201 is input, the cancellation signal
Output to the communication control unit 205. The communication control unit 205 controls
The communication destination code included in the cancellation signal from the control unit 208a is
Check which financial institution is indicated. here
And the communication destination code is the financial institution code of financial institution A.
Therefore, the communication control unit 205 uses the public network stored in advance.
Communication with financial institution A according to the communication procedure of Network 3.
Perform the connection operation of the communication line. And between financial institutions A
When the communication line is connected, go to financial institution A via the communication line
Including cancellation instructions, card data, transaction code, transaction amount
Send a cancel signal. At this time, the communication history storage unit 206
Stores the cancellation signal. First communication of financial institution A
The control unit 501A receives a request from the management device 2a via a communication line.
Receiving the cancellation signal of the control unit 505,
Output to A. The control unit 505A includes the first communication control unit 5
When the cancellation signal from 01A is input, it is included in the cancellation signal.
The financial institution code of the card data
Check if it belongs to Seki. Financial institutions for card data
Since the code is the financial institution code of financial institution C,
The unit 505A includes a cancellation instruction, card data, a transaction code,
A cancellation signal including the transaction amount is output to the second communication control unit 503.
Power. The second communication control unit 503A includes a control unit 505A
When the cancellation signal from is input, it is included in the cancellation signal
Communication procedure storage based on the financial institution code in the card data
Among the communication procedures stored in the section 502A,
The communication procedure with the financial institution corresponding to the Seki code,
Read the communication procedure with the financial institution C, and read the read communication procedure
According to the financial institution via the financial institution network 4
The connection operation of the communication line with C is performed. And financial institution C
When the communication line between is connected, it is canceled to financial institution C
Send the issue. The communication control unit 503C of the financial institution C
Cancellation from financial institution A via financial institution network 4
When the signal is received, the cancellation signal is output to the control unit 505C.
I do. The control unit 505C receives data from the communication control unit 505C.
When a cancel signal is input, the card data included in the cancel signal
Data account number is stored in the account data storage unit 504C.
It is determined whether or not. Account number of the card data
Is stored in the account data storage unit 504C,
The card data and the transaction code are stored in the account data storage unit 504C.
And output cancellation data including transaction amount. Account data
The storage unit 504C stores the cancellation data from the control unit 505C.
Enter the card data included in the cancellation data
Of the transaction data stored as the account number,
Delete the latest transaction data that matches the deleted data. this
In this case, the control unit 111a of the automatic transaction device 1a further includes:
Identification information and card assigned to each automatic transaction device in advance
Data, transaction code, transaction amount, cash or card jam
Code indicating that the transaction was not performed
The transaction data including the transaction data is output to the communication control unit 106. Communication system
The control unit 106 receives transaction data from the control unit 111a.
Then, the connection operation of the communication line with the management device 2a is performed,
When the communication line with the management device 2a is connected, the transaction
Data to the management device 2a, and communicates with the management device 2a.
Cut the line. The communication control unit 201 of the management device 2a
When receiving transaction data from the mobile transaction device 1a,
The reference data is output to the control unit 208a. Control unit 208a
When the transaction data from the communication control unit 201 is input,
The transaction data is stored in the transaction data
1 to the transaction data storage unit. First transaction data
The storage unit receives the transaction data from the control unit 208a.
And the transaction data. 2. Transfer of cash to designated account (1) Transfer of cash to account of financial institution A (financial institution B
The same applies to the case of the above.) The user uses the automatic transaction device 1a to make an account
When transferring cash to the user, first, the user
"Cash" in the transaction menu displayed on the
Transfer ". Then, the input unit 102 displays
The controller sends a selection signal indicating that "gold transfer" has been selected.
Output to 111a. The control unit 111a includes an input unit
When the selection signal from 102 is input, the user is billed
Inject cash into the deposit and withdrawal port of the depositing mechanism 104 and
Enter the transfer destination financial institution and account number from the input unit 102
Indication to display a message prompting you to press
The data is output to the display unit 101. The display unit 101
When the display data from the control unit 111a is input, the user
On the other hand, a message prompting you to input cash and select a transfer destination
Display by text or figure. Seeing this message
The user inserts the cash to be transferred into the automatic transaction apparatus 1a.
First, input the financial institution and account number to
input. In addition, the user can
When making a transfer to the corresponding account,
Card into the card reader 103 to create card data.
The financial institution code and account number written
It is read by the reader 103 and input to the control unit 111a.
You may do it. The input unit 102 displays the money selected by the user.
Outputs the financial institution code of financial institution A and
Will output the entered account number. Bill deposit mechanism 104
Calculates and calculates the amount of cash deposited into the cash slot.
The control unit 111a uses the amount of money (transaction amount)
And store the cash in the storage box.
You. The control unit 111a receives the financial institution command from the input unit 102.
Account and account number.
When the amount data from 104 is input, the financial institution
Whether the code is stored in the financial institution storage unit 107 or not.
Determine. At this time, the financial institution code is financial institution A
The financial institution code is the financial institution memory
Since the information is stored in the unit 107, the control unit 111a
The destination code corresponding to financial institution A's financial institution code is gold
Read from the financial institution storage unit 107,
Financial institution code from the input unit 102,
The content of the transaction selected by the user (in this case, "Cash transfer
Transaction code, account number, and transaction amount
The call request signal is output to the communication control unit 106. Communication control unit
Reference numeral 106 denotes an input of a transaction request signal from the control unit 111a.
Then, according to the communication procedure stored in advance, the management device
2a to perform a connection operation of a communication line with the management device 2a.
When the communication line is connected, the input from the control unit 111a is performed.
To the management device 2a via the communication line.
Send. The communication control unit 201 of the management device 2a
When a transaction request signal is received from the drawing device 1a, the transaction
The request signal is output to the control unit 208a. Control unit 208a
, A transaction request signal from the communication control unit 201 is input
Then, the transaction request signal is output to the communication control unit 205.
The communication control unit 205 receives a transaction request signal from the control unit 208a.
The destination code included in the number indicates any financial institution.
Is determined. Here, the destination code is financial
Since it indicates the institution A, the communication control unit 205
According to the stored communication procedure of the public network 3
Connection operation of the communication line with the processing device 5A of the financial institution A
I do. Then, the communication with the processing unit 5A of the financial institution A is performed.
When the telephone line is connected, money is sent to financial institution A via the communication line.
Includes financial institution code, transaction code, account number, transaction amount
Send a transaction request signal. At this time, the communication history storage unit 2
06 stores the transaction request signal and the communication destination code.
You. First communication control unit 50 of processing device 5A of financial institution A
1A is a transaction request from the management device 2a via a communication line.
When the signal is received, the transaction request signal is sent to the control unit 505A.
Output to The control unit 505A is the first communication control unit 50
When the transaction request signal from 1A is input, the transaction request signal
Financial machine that the financial institution code included in the issue is stored in advance
It is determined whether it is the financial institution code of Seki A or not. Financial machine
Seki code is the financial institution code of financial institution A.
The control unit 505A then proceeds to the account included in the transaction request signal.
Whether the number is stored in account data storage unit 504A
Judge. The account number included in the transaction request signal is
If stored in the account data storage unit 504A, the first
Indicates that the transaction is permitted to the communication control unit 501A.
Output the permission signal and include it in the transaction permission signal
Transaction data including account number, transaction code and transaction amount
Is output to the account data storage unit 504A. Account Data Record
The storage unit 504A receives the transaction data from the control unit 505A.
Enter the transaction data of the account number included in the transaction data
As the transaction data. First communication control unit 5
01A receives the permission signal from the control unit 505A
And sends the permission signal to the management device 2a via the communication line.
I believe. The communication control unit 205 of the management device 2a
A when the permission signal is received from the processing device 5A of A,
Output to the control unit 208a, and
A communication line with the processing device 5A of A is disconnected. This and
The communication history storage unit 205 communicates with the received permission signal.
Store the destination code. The control unit 208a includes the communication control unit 2
When the permission signal from the terminal 05 is input, the permission signal is transmitted.
Output to the control unit 201. The communication control unit 201 is a control unit
Pass the permission signal input from the automatic transaction device 1a
Transmit via the communication line. Communication control of automatic transaction device 1a
The unit 106 receives a permission signal from the management device 2a.
And outputting the permission signal to the control unit 111a.
Then, the communication line with the management device 2a is disconnected. Control unit
Reference numeral 111a denotes an input of a permission signal from the communication control unit 106.
Then, identification information given in advance for each automatic transaction device,
Includes supplier code, account number, transaction code, transaction amount
Output transaction data. Further, the communication control unit 106
When the transaction data from the control unit 111a is input, the management device
2a to perform a connection operation of a communication line with the management device 2a.
When the communication line is connected, the transaction data is stored in the management device 2
a, and disconnects the communication line with the management device 2a. tube
The communication control unit 201 of the transaction device 2a
When these transaction data are received, the transaction data
208a. The control unit 208a includes the communication control unit 2
When the transaction data from 01 is input, the transaction data is
First transaction data record constituting transaction data storage unit 202
Output to storage unit. The first transaction data storage unit includes a control unit 2
08a, the transaction data is input.
Is stored. Note that the control unit 505A of the financial institution A is
1 and a transaction request signal is input from the communication control unit 501A.
The account number included in the transaction request signal
If not stored in the data storage unit 504A, the first
Indicating that the transaction is not allowed to the communication control unit 501A
Output a non-permission signal. First communication control unit 501A
When the non-permission signal from the control unit 505A is input,
The non-permission signal is transmitted to the management device 2a via the communication line.
You. The communication control unit 205 of the management device 2a
When the non-permission signal is received, the
208a and connected to financial institution A.
Disconnect the communication line. At this time, the communication history storage
The unit 205 stores the received rejection signal and the communication destination code.
I do. The control unit 208a receives a request from the communication control unit 205
When the permission signal is input, the non-permission signal is transmitted to the communication control unit 20.
Output to 1. The communication control unit 201 determines whether the control unit 208a
A communication line to the automatic transaction apparatus 1a
To send through. Communication controller 106 of automatic transaction apparatus 1a
Receives the disapproval signal from the management device 2a,
The non-permission signal is output to the control unit 111a. Control unit 111
a is a non-permission signal input from the communication control unit 106
That transactions cannot be made and that banknotes
The display unit 1 displays display data for displaying an instruction for removal.
01 and trade with the bill payment mechanism 105
Output the amount data according to the amount. The display unit 101
When display data is input from the control unit 111a, the table
Transaction cannot be performed in accordance with the
An instruction to take out a bill from the deposit / withdrawal port of the payment mechanism 105 is issued.
It is displayed in characters and figures to notify the user. Bill payment machine
The structure 105 receives the amount data from the control unit 111a.
Then, take out the cash corresponding to the amount data from the storage box
And discharge it to the deposit / withdrawal port. In addition, the automatic transaction device 1a
The control unit 111a receives the permission signal from the communication control unit 106.
Despite the input, cash inside the automatic transaction device 1a
Transactions are not performed reliably due to clogging
There is. In this case, the control unit 111a takes the transaction.
Instruction, communication code, supplier code
Cancellation signal containing the transaction code, transaction code, account number, and transaction amount.
Output. The communication control unit 106 receives a request from the control unit 111a.
When the cancel signal is input, the communication procedure stored in advance is set.
Accordingly, the connection operation of the communication line with the management device 2a is performed,
When the communication line with the management device 2a is connected, the control unit 1
11a is transmitted through the communication line.
After transmitting to the management device 2a, the communication line is disconnected. Management equipment
The communication control unit 201 of the device 2a
When receiving the cancel signal, the cancel signal is sent to the control unit 208a.
Output to The control unit 208a
Is input, the cancellation signal is transmitted to the communication control unit 2.
Output to 05. The communication control unit 205 includes a control unit 208a
The destination code included in the cancellation signal from
Check if it indicates an institution. Here, the communication destination
Since the code is the financial institution code of the financial institution A, the communication
The control unit 205 controls the public network 3 stored in advance.
The communication line with financial institution A according to the communication procedure of
Perform the operation. The communication line with financial institution A is connected.
Then, cancel instruction to financial institution A via communication line
An account that includes the tomorrow code, transaction code, account number, and transaction amount
Send a cancel signal. At this time, the communication history storage unit 206
Stores the cancellation signal. First communication of financial institution A
The control unit 501A receives a request from the management device 2a via a communication line.
Receiving the cancellation signal of the control unit 505,
Output to A. The control unit 505A includes the first communication control unit 5
When the cancellation signal from 01A is input, it is included in the cancellation signal.
The supplier code is the financial institution code of financial institution A.
To verify that. Customer code is financial institution A's financial machine
The control unit 505A then determines the cancellation code
The account number included in the signal is stored in the account data storage unit 504A.
It is determined whether or not it is stored. The account number is an account
If stored in the data storage unit 504A, the account data
Account number, transaction code, transaction money to data storage unit 504A
Output the cancellation data including the amount.

The account data storage unit 504A stores the control unit 50
When the cancellation data from 5A is input, the cancellation data
Transaction data stored corresponding to the account number included
Of which, the latest transaction data that matches the
Leave. In this case, the control unit 111a of the automatic transaction apparatus 1a
Is an identification provided in advance for each automatic transaction device.
Information, supplier code, transaction code, account number, transaction money
The transaction was not performed because the amount or cash was
To the communication control unit 106 including the transaction code
Output. The communication control unit 106 receives a request from the control unit 111a.
When the transaction data is input, the communication line with the management device 2a
A connection operation is performed, and a communication line with the management device 2a is connected.
Then, the transaction data is transmitted to the management device 2a, and the management device
The communication line with the device 2a is disconnected. Communication system of management device 2a
The control unit 201 receives transaction data from the automatic transaction device 1a.
When the communication is received, the transaction data is output to the control unit 208a.
You. The control unit 208a receives the transaction data from the communication control unit 201.
When the transaction data is entered, the transaction data is stored in the transaction data storage unit.
The data is output to the first transaction data storage unit constituting 202.
The first transaction data storage unit stores a transaction from the control unit 208a.
When the data is input, the transaction data is stored. (2) Transfer of cash to the account of the financial institution C The user uses the automatic transaction device 1a to transfer the cash to the account of the financial institution C
When transferring cash to the user, first, the user
"Cash" in the transaction menu displayed on the
Transfer ". Then, the input unit 102 displays
The controller sends a selection signal indicating that "gold transfer" has been selected.
Output to 111a. The control unit 111a includes an input unit
When the selection signal from 102 is input, the user is billed
Inject cash into the deposit and withdrawal port of the depositing mechanism 104 and
Enter the transfer destination financial institution and account number from the input unit 102
Indication to display a message prompting you to press
The data is output to the display unit 101. The display unit 101
When the display data from the control unit 111a is input, the user
On the other hand, a message prompting you to input cash and select a transfer destination
Display by text or figure. Seeing this message
The user inserts the cash to be transferred into the automatic transaction apparatus 1a.
First, input the financial institution and account number to
input. The input unit 102 is a financial institution selected by the user.
Output the financial institution code of C and input by the user
And output the account number. The bill depositing mechanism 104
Calculate the amount of cash inserted into the withdrawal port and calculate the amount
(Transaction amount) is output to the control unit 111a as amount data.
And store the inserted cash in a storage box. System
The control unit 111a includes an input unit 102, a financial institution code and an account.
The seat number is entered, and the banknote depositing mechanism 104
When the amount data is entered, the relevant financial institution code is
It is determined whether or not it is stored in the relation storage unit 107. This
, The financial institution code indicates financial institution C.
The financial institution code is stored in the financial institution storage unit 107.
Since it is not remembered, the control unit 111a further
The first financial institution stored in the storage unit 107
Determine the code. The financial institution storage unit 107 stores
Seki A's financial institution code is stored with the first priority
Therefore, the control unit 111a determines that the financial institution A
The communication destination code corresponding to the code is stored in the financial institution storage unit 107.
Read from the corresponding destination code, financial institution code, account
Communicate transaction request signal including number, transaction code, transaction amount
Output to control unit 106. The communication control unit 106 includes a control unit
When the transaction request signal from 111a is input, it is stored in advance.
Communication line with the management device 2a according to the communication procedure
Is performed, and the communication line with the management device 2a is connected.
Then, the transaction request signal input from the control unit 111a is
The data is transmitted to the management device 2a via the communication line. Management equipment
The communication control unit 201 of the device 2a
When the transaction request signal is received, the transaction request signal is sent to the control unit.
208a. The control unit 208a includes the communication control unit 2
01, the transaction request signal is input.
Output to the communication control unit 205. Communication control unit 205
Is the communication included in the transaction request signal from the control unit 208a.
Check which financial institution the destination code is for
I do. Here, the communication destination code indicates financial institution A.
Therefore, the communication control unit 205
With the financial institution A according to the communication procedure of the public network 3
The connection operation of the communication line is performed. And with financial institution A
When the communication line between the financial institutions is connected,
A processing unit 5A to financial institution code, account number, PIN
A transaction request signal containing the transaction number, transaction code and transaction amount
You. At this time, the communication history storage unit 206 stores the transaction request
The signal and communication destination data are stored. Processing of financial institution A
The first communication control unit 501A of the device 5A is connected via a communication line.
Receiving the transaction request signal from the management device 2a
The transaction request signal is output to control unit 505A. Control unit 5
05A is a transaction request signal from the first communication control unit 501A.
When the number is entered, the financial institution included in the transaction request signal
Financial institution code of financial institution A whose code is stored in advance
Check if it is. Customer code is financial institution C
Since this is the institution code, the control unit 505A then proceeds to
Includes financial institution code, account number, transaction code, transaction amount
A transaction request signal is output to second communication control section 503A.
The second communication control unit 503A receives data from the control unit 505A.
When the transaction request signal is input, it is included in the transaction request signal
Recorded in the communication procedure storage unit 502A based on the financial institution code
Corresponding to the relevant financial institution code among the communication procedures
Procedure with the financial institution to perform, that is, the processing of the financial institution C
Read the communication procedure with the device 5C and read the read communication procedure
According to the financial institution via the financial institution network 4
The connection operation of the communication line with the C processing device 5C is performed. Soshi
And the communication line with the processing unit 5C of the financial institution C is connected.
Then, a transaction request signal is sent to the processing unit 5C of the financial institution C.
Send. Communication control unit 50 of processing unit 5C of financial institution C
3C is connected to the financial institution A via the financial institution network 4.
When receiving the transaction request signal from the processing device 5A,
A request signal is output to the control unit 505C. Control unit 505
C receives a transaction request signal from the communication control unit 503C.
The account number included in the transaction request signal
It is determined whether the data is stored in the data storage unit 504C.
The account number of the card data is stored in the account data storage unit 504.
C, the communication control unit 503C
Outputs a permission signal indicating that the transaction is permitted and
The account number and transaction code included in the transaction request signal
The transaction data including the transaction amount and the transaction amount is stored in the account data storage unit 50.
Output to 4C. The account data storage unit 504C includes a control unit
When the transaction data from 505C is input, the transaction data
The transaction as transaction data corresponding to the included account number
Store the data. The communication control unit 503C
When the permission signal from 5C is input, the permission signal is
Processing device 5A of financial institution A via institution network 4
Send to Second transmission / reception of the processing device 5A of the financial institution A
The unit 503A is connected to the financial institution via the financial institution network 4.
When the permission signal is received from the processing device 5C of Seki C,
A permission signal is output to the control unit 505A, and
The communication line with the processing device 5A of Seki A is disconnected. control
The unit 505A receives the permission signal from the second communication control unit 503A.
When the number is input, the permission signal is transmitted to the first communication control unit 50.
Output to 1A. The first communication control unit 501A includes a control unit
When the permission signal from 505A is input, the permission signal
The information is transmitted to the management device 2a via the public network 3.
The communication control unit 205 of the management device 2a
When receiving the permission signal, the control unit 208a
Output to At this time, the communication history storage unit 205
The received permission signal and the communication destination code are stored. Control unit 208
When a permission signal is input from the communication control unit 205,
The permission signal is output to the communication control unit 201. Communication control
The unit 201 automatically receives the permission signal input from the control unit 208a.
It is transmitted to the mobile transaction device 1a via a communication line. Automatic trading
The communication control unit 106 of the device 1a receives the permission from the management device 2a.
Upon receiving the permission signal, the permission signal is sent to the control unit 111a.
Output and disconnect the communication line with the management device 2a.
Refuse. The control unit 111a receives permission from the communication control unit 106.
When a permit signal is input, the automatic transaction device is sent to the communication control unit 106.
Identification information, supplier code, account assigned in advance for each
Output transaction data including number, transaction code, transaction amount
You. In addition, the communication control unit 106
When the transaction data is input, the communication line with the management device 2a
A connection operation is performed, and a communication line with the management device 2a is connected.
Then, the transaction data is transmitted to the management device 2a, and the management device
The communication line with the device 2a is disconnected. Communication system of management device 2a
The control unit 201 receives transaction data from the automatic transaction device 1a.
When the communication is received, the transaction data is output to the control unit 208a.
You. The control unit 208a receives the transaction data from the communication control unit 201.
When the transaction data is entered, the transaction data is stored in the transaction data storage unit.
The data is output to the first transaction data storage unit constituting 202.
The first transaction data storage unit stores a transaction from the control unit 208a.
When the data is input, the transaction data is stored. What
Note that the control unit 505C of the financial institution C includes a communication control unit 503.
When a transaction request signal is input from C,
The account number included in the account number is recorded in the account data storage unit 504C.
If not remembered, the communication control unit 503C
It outputs a non-permission signal indicating that the transaction is not permitted. Through
The communication control unit 503C receives a non-permission signal from the control unit 505C.
Input, the unauthorized signal is transmitted to the financial institution network.
4 to the financial institution A. The second of financial institution A
The transmission / reception unit 503A is connected via the financial institution network 4.
When the disapproval signal is received from the financial institution C, the disapproval signal is received.
A signal is output to the control unit 505A and the financial institution C
Disconnect the communication line between The control unit 505A controls the second
When a non-permission signal is input from the communication control unit 503A, the
The non-permission signal is output to first communication control section 501A.
The first communication control unit 501A communicates with the control unit 505A.
When the permission signal is input, the non-permission signal is transmitted to the public network.
Via the network 3 to the management device 2a. Management device 2a
Communication control unit 205 receives the disapproval signal from financial institution A.
Upon receipt, the non-permission signal is output to the control unit 208a.
And a communication line connected to financial institution A
Disconnect. At this time, the communication history storage unit 205
The non-permission signal and the communication destination code are stored. Control unit 20
8a, the rejection signal from the communication control unit 205 is input
And outputs the disapproval signal to the communication control unit 201. Through
The communication control unit 201 receives the non-permission from the control unit 208a.
The signal is transmitted to the automatic transaction apparatus 1a via a communication line.
The communication control unit 106 of the automatic transaction device 1a includes the management device 2a
When the non-permission signal is received from the
Output to the unit 111a. The control unit 111a is a communication control unit
If a disapproval signal is input from 106, transactions cannot be performed.
And instructions for taking out banknotes from the cash slot
Output display data to the display unit 101
In addition, the banknote payment mechanism 105 outputs the amount data according to the transaction amount.
Output data. The display unit 101 is controlled by the control unit 111a.
When the display data is input, it is taken according to the display data.
Cannot be pulled, and the bill payment mechanism 105
Instructions for taking out banknotes from the dispensing port are displayed in characters and diagrams
And inform the user. The bill payment mechanism 105 includes a control unit
When the amount data from 111a is input, the amount data
Take out the cash corresponding to the data from the storage box and discharge it to the deposit / withdrawal port
I do. Also, the control unit 111a of the automatic transaction device 1a
Although the permission signal from the communication control unit 106 is input,
Of the cash inside the automatic transaction apparatus 1a.
Transactions may not be performed reliably for some reason. This place
In this case, the control unit 111a indicates that the transaction is to be cancelled.
Cancel instruction, communication destination code, business partner code, business code,
Outputs cancellation signal including account number and transaction amount. Communication system
The control unit 106 receives an input of a cancellation signal from the control unit 111a.
Then, according to the communication procedure stored in advance, the management device
2a to perform a connection operation of a communication line with the management device 2a.
When the communication line is connected, the input from the control unit 111a is performed.
Transmitted to the management device 2a via the communication line.
Then, disconnect the communication line. Communication control of management device 2a
The unit 201 receives the cancellation signal from the automated teller machine 1a.
Then, the cancellation signal is output to the control unit 208a. control
The unit 208a receives the cancellation signal from the communication control unit 201
Then, the cancellation signal is output to the communication control unit 205.
The communication control unit 205 responds to the cancellation signal from the control unit 208a.
The destination code included indicates which financial institution
Check if there is. Here, the communication destination code is a financial institution
Since it is the financial institution code of A, the communication control unit 205
The communication procedure of the public network 3 stored in advance was used.
Then, the connection operation of the communication line with the financial institution A is performed. Soshi
When the communication line with financial institution A is connected,
Cancellation instruction to financial institution A via business line, supplier code, transaction
Send cancellation signal including code, account number and transaction amount
You. At this time, the communication history storage unit 206 stores the cancellation signal
Is stored. First communication control unit 501A of financial institution A
Receives the cancellation signal from the management device 2a via the communication line.
If received, it outputs the cancellation signal to control unit 505A.
The first communication control unit 501A of the financial institution A establishes a communication line
Receiving the cancellation signal from the management device 2a via the
A cancellation signal is output to control section 505A. Control unit 505A
Indicates that the cancellation signal from the first communication control unit 501A is input.
Then, the supplier code included in the cancellation signal
Check if it belongs to a financial institution. The financial institution
Is the financial institution code of the financial institution C, the control unit 5
05A is for cancellation instruction, supplier code, account number,
The second communication control unit 50 sends the cancellation signal including the transaction
Output to 3. The second communication control unit 503A includes the control unit 5
When the cancel signal from the receiver 05A is input, the cancel signal is included in the cancel signal.
Communication procedure storage unit 502A based on the supplier code
Of the communication procedures stored in
Communication procedure with the corresponding financial institution, that is, with financial institution C
Read the communication procedure and follow the read communication procedure.
With financial institution C via financial institution network 4
Perform line connection operation. And the communication with financial institution C
When the telephone line is connected, a cancellation signal is sent to financial institution C.
You. The communication control unit 503C of the financial institution C communicates with the financial institution network.
Receiving a cancellation signal from the financial institution A via the network 4
Then, the cancellation signal is output to the control unit 505C. control
The unit 505C receives the cancel signal from the communication control unit 505C.
The account number contained in the cancellation signal
It is determined whether the data is stored in the data storage unit 504C.
The account number is stored in the account data storage unit 504C.
If there is, the account number,
Output cancellation data including transaction code and transaction amount. mouth
The location data storage unit 504C stores the cancellation from the control unit 505C.
When data is entered, the cancellation data corresponds to the account number
Of the transaction data stored and
Clear the latest matching transaction data. In this case,
The control unit 111a of the transaction device 1a further includes an automatic transaction device.
Identification information, supplier code,
Account number, transaction code, transaction amount, cash
Transactions that include a code indicating that the transaction was not performed
The data is output to the communication control unit 106. Communication control unit 10
6, when the transaction data from the control unit 111a is input,
Performs the connection operation of the communication line with the management device 2a, and
2a, the transaction data is managed.
To the management device 2a and disconnect the communication line with the management device 2a
I do. The communication control unit 201 of the management device 2a is an automatic transaction device.
When receiving the transaction data from the device 1a,
Is output to the control unit 208a. The control unit 208a performs communication
When transaction data is input from the control unit 201, the transaction
The first transaction that configures the data in the transaction data storage unit 202
Output to the data storage unit. The first transaction data storage unit is
When the transaction data from the control unit 208a is input,
The index data is stored. 3. Inquiry of balance (1) Inquiry of balance of account of financial institution A (account of financial institution B
The same is true. ) The user holding the card of financial institution A is
The balance of the account corresponding to the card issued by institution A
When checking by the automatic transaction device 1a, first, the user:
Transaction menu displayed on display unit 101 from input unit 102
-Select "Balance Inquiry". Then, the input unit 10
2 is a selection signal indicating that "balance inquiry" has been selected.
Output to the control unit 111a. The control unit 111a
When a selection signal is input from the input unit 102, the user is
Message to insert the card into the card reader 103.
Display data for displaying a message is displayed on the display unit 101.
Output. The display unit 101 displays a display from the control unit 111a.
Prompt user to insert card when data is entered
Display messages in text or graphics. This Messe
The user who sees the page automatically trades his / her card
Insert into device 1a. Card reader of automatic transaction device 1a
103 is the card data written on the inserted card.
Data and outputs the card data to the control unit 111a.
I do. The control unit 111a receives the card from the card reader 103.
When the password data is input, the
Prompts you to enter your PIN
Is output to the display unit 101 for display. Display 1
01 is input of display data from the control unit 111a
And a message prompting the user to enter a PIN
Display by letter or figure. Use that saw this message
The user inputs the password corresponding to the inserted card into the input section 10.
Enter from 2. The input unit 102 displays the password input by the user.
The certificate number is output to the control unit 111a. Control unit 111a
Is the card data and input from the card reader 103
When the password is input from the section 102, the card data
Is stored in the financial institution storage unit 107.
Check whether it is stored. At this time, the car
Financial institution code included in the data indicates financial institution A
The financial institution code is stored in the financial institution storage unit 10.
7, the control unit 111a further
Check the priority of financial institution codes. The financial institution A
Since the financial institution code is ranked first, the control unit
111a is the financial institution A's financial institution code
And the communication destination code, card data, password,
The contents of the transaction selected by the user in the input unit 102
If the transaction request signal includes a transaction code indicating
Output to the communication control unit 106. Communication control unit 106
When a transaction request signal from the control unit 111a is input,
With the management device 2a according to the communication procedure stored in advance.
Connection operation of the communication line of the
When the communication line is connected, the transaction input from the control unit 111a
Transmitting a request signal to the management device 2a via the communication line;
You. The communication control unit 201 of the management device 2a is an automatic transaction device.
1a, the transaction request signal is received.
Signal to the control unit 208a. The control unit 208a
When the transaction request signal from the credit control unit 201 is input,
The transaction request signal is output to the communication control unit 205. Communication control
The unit 205 is included in the transaction request signal from the control unit 208a.
Destination code indicates any financial institution
Check if. Here, the communication destination code is the financial institution A's
Since it is a financial institution code, the communication control unit 205
In accordance with the stored public network 3 communication procedure.
The connection operation of the communication line with the financial institution A is performed. And
When the communication line with financial institution A is connected, the communication line
Card data, personal identification number, transaction code
Send a transaction request signal that includes the password. At this time, the communication history
The storage unit 206 stores the transaction request data and the communication destination
Memorize the code. First communication control unit 501A of financial institution A
Is a transaction request signal from the management device 2a via the communication line.
Is received, the transaction request signal is output to the control unit 505A.
Power. The control unit 505A includes a first communication control unit 501A.
When a transaction request signal from
The financial institution code of the included card data is that of financial institution A
Make sure it is a financial institution code. Card data
The financial institution code is the financial institution code of financial institution A.
Next, the control unit 505A next proceeds to the account number of the card data.
Is stored in the account data storage unit 504A
And the password included in the transaction request signal is
Account data storage unit 50 as a password corresponding to the account number
4A is determined. The card
The account number of the data is stored in the account data storage unit 504A.
And the password included in the transaction request signal is
Account data storage unit 5 as a password corresponding to the account number
04A, the first communication control unit 50
Information indicating that the transaction is permitted to 1A and the account
An authorization signal including balance data is output. First communication
The control unit 501A receives the permission signal from the control unit 505A.
Then, the permission signal is transmitted to the management device 2 via the communication line.
Send to a. The communication control unit 205 of the management device 2a
When the permission signal from the financial institution A is received, the permission signal is received.
Output to control unit 208a and between financial institution A
Disconnect the connected communication line. At this time,
The history storage unit 205 stores the received permission signal and the communication destination code.
Remember. The control unit 208 a
When the permission signal is input, the permission signal is transmitted to the communication control unit 20.
Output to 1. The communication control unit 201 determines whether the control unit 208a
Via the communication line to the automatic transaction apparatus 1a
And send. Communication controller 106 of automatic transaction apparatus 1a
Receives the permission signal from the management device 2a,
An enable signal is output to the control unit 111a. Control unit 111a
When the permission signal from the communication control unit 106 is input,
According to the balance data included in the permission signal, the balance of the account is
Output display data for displaying height to display unit 101
And eject the card from the card reader.
The display unit 101 receives display data from the control unit 111a.
Input, the balance is written in characters or figures according to the display data.
Display and inform the user. The user displays on the display unit 101
Check the displayed content and eject the card from the card reader.
Remove the card. The control unit 505A of the financial institution A
Is a transaction request signal input from the first communication control unit 501A.
Card data included in the transaction request signal
Account number is stored in the account data storage unit 504A.
Is missing or the PIN included in the transaction request signal is
Account data storage unit 5 as a password corresponding to the account number
04A, the first communication control
Non-permission signal indicating that the transaction is not permitted to the unit 501A
Output a signal. The first communication control unit 501A includes the control unit 5
When the disapproval signal from the receiver 05A is input, the disapproval signal
Is transmitted to the management device 2a via the communication line. Management device
2a, the communication control unit 205
When the signal is received, the non-permission signal is output to the control unit 208a.
Communication connected with financial institution A
Disconnect the line. At this time, the communication history storage unit 205
The received non-permission signal and communication destination code are stored. Control unit
Reference numeral 208a denotes a non-permission signal input from the communication control unit 205.
Then, the non-permission signal is output to the communication control unit 201.
You. The communication control unit 201 receives the input from the control unit 208a.
Sending a non-permission signal to the automatic transaction device 1a via a communication line
I do. The communication control unit 106 of the automatic transaction apparatus 1a
When receiving the non-permission signal from the device 2a,
Is output to the control unit 111a. The control unit 111a performs communication
When a non-permission signal is input from the control unit 106, the card
There is no account against the data or the password is wrong
Display that the balance cannot be displayed for some reason
Is output to the display unit 101 for display. Display 1
01 is input of display data from the control unit 111a
And that the balance cannot be queried according to the display data
It is displayed in characters and figures to notify the user. (2) Checking the balance of the account of the financial institution C The user holding the card of the financial institution C is required to
Automatic transaction device 1 using a card issued by institution C
To check the balance of the account corresponding to the card by a
In this case, first, the user enters the display unit 101 from the input unit 102.
Select "Balance Inquiry" from the displayed transaction menu
You. Then, the input unit 102 selects “balance inquiry”.
Is output to the control unit 111a.
You. The control unit 111a receives a selection signal from the input unit 102
After input, the card is sent to the card reader 103 for the user.
To display a message prompting you to insert
The data is output to the display unit 101. The display unit 101
When the display data from the control unit 111a is input, the user
A message prompting you to insert a card
Display. The user who sees this message,
Is inserted into the automatic transaction apparatus 1a. Automatic trading
The card reader 103 of the device 1a
Read the written card data and read the card data
Is output to the control unit 111a. The control unit 111a
When card data is input from reader 103, it is used
Prompts the user to enter a password through the input unit 102
The display data for displaying the message is displayed on the display unit 10.
Output to 1. The display unit 101 receives an instruction from the control unit 111a.
When the display data is entered, the user enters the PIN
Is displayed in characters or figures. this
The user who saw the message responds to the inserted card
The personal identification number is input from the input unit 102. Input unit 102
Outputs the password input by the user to the control unit 111a
I do. The control unit 111a receives the card from the card reader 103.
Enter the password data and the password from the input unit 102.
The financial institution code included in the card data
Check whether the information is stored in the financial institution storage unit 107.
You. At this time, the financial institution
The code indicates the financial institution C, and the financial institution code is
Is not stored in the financial institution storage unit 107,
The control unit 111a further stores in the financial institution storage unit 107
Check which financial institution code has the highest priority. Finance
The institution storage unit 107 stores the financial institution code of the financial institution A.
Since the priority is stored as the first place, the control unit 11
1a designates the financial institution code of financial institution A as a communication destination code.
And the communication destination code, card data, PIN, transaction
Outputs transaction request signal including code to communication control unit 106
You. The communication control unit 106 requires the transaction from the control unit 111a.
When a request signal is input, the communication procedure stored in advance is set.
Then, the connection operation of the communication line with the management device 2a is performed,
When the communication line with the processing device 2a is connected, the control unit 11
1a via the communication line
It is transmitted to the management device 2a. Communication control unit 2 of management device 2a
01 receives a transaction request signal from the automatic transaction apparatus 1a.
Then, the transaction request signal is output to the control unit 208a.
The control unit 208a receives a transaction request signal from the communication control unit 201.
Is input, the transaction request signal is transmitted to the communication control unit 205.
Output to The communication control unit 205
The destination code included in the transaction request signal of
Check if it indicates an institution. Here, the communication destination
Since the code is the financial institution code of the financial institution A, the communication
The control unit 205 controls the public network 3 stored in advance.
The communication line with financial institution A according to the communication procedure of
Perform the operation. The communication line with financial institution A is connected.
Then, the card date is sent to financial institution A via the communication line.
A transaction request signal that includes the
You. At this time, the communication history storage unit 206 stores the transaction request
The signal and communication destination data are stored. First of financial institution A
The communication control unit 501A of the management device 2
a, the transaction request signal is received.
Is output to the control unit 505A. The control unit 505A controls the first
The transaction request signal from the communication control unit 501A is input
And the financial machine of the card data included in the transaction request signal
Which financial institution the financial institution code is for
Check. Financial institution code of card data is financial institution
Since it is the financial institution code of C, the control unit 505A
Including the card data, transaction code, and transaction amount
A request signal is output to the second communication control unit 503A. No.
The communication control unit 503A of No. 2 performs a transaction from the control unit 505A.
When the request signal is input, the
Communication procedure storage unit based on the financial institution code
Of the communication procedures stored in 502A, the relevant financial institution
The procedure for communicating with the financial institution corresponding to the code,
Read the communication procedure with institution C, and use the read communication procedure
Therefore, the financial institution C via the financial institution network 4
The connection operation of the communication line with is performed. And with financial institution C
When the communication line between is connected, a transaction request is made to the financial institution C.
Send a signal. The communication control unit 503C of the financial institution C
Transaction from financial institution A via financial institution network 4
When the request signal is received, the transaction request signal is sent to the control unit 50.
Output to 5C. The control unit 505C includes a communication control unit 503
When the transaction request signal from C is input, the transaction request signal
The account number of the card data included in the account data storage unit
504C and whether the transaction request signal
Password is the password corresponding to the account number
Is stored in the account data storage unit 504C as a number
Determine whether or not. The account number of the card data is
Data storage unit 504C and the transaction request
The security code included in the signal is the security code corresponding to the account number.
Was stored as a number in the account data storage unit 504C.
In this case, allow the communication control unit 503C to permit the transaction.
And the balance data according to the balance of the account.
Output an enable signal. The communication control unit 503C includes a control unit
When the permission signal from 505C is input, the permission signal
Send to financial institution A via financial institution network 4
You. The second transmitting / receiving unit 503A of the financial institution A is
Receiving a permission signal from the financial institution C via the network 4
Then, when the permission signal is output to the control unit 505A,
In both cases, the communication line with the financial institution C is disconnected. Control unit
505A is a permission signal from the second communication control unit 503A.
Is input to the first communication control unit 501
Output to A. The first communication control unit 501A includes the control unit 5
05A, the permission signal is released.
To the management apparatus 2a via the public network 3. tube
The communication control unit 205 of the management device 2a
Upon receiving the permission signal, the permission signal is sent to the control unit 208a.
Output and connected to financial institution A
Disconnect the communication line. At this time, the communication history storage unit 205
Stores the received permission signal and the communication destination code. control
The unit 208a receives the permission signal from the communication control unit 205
Then, the permission signal is output to the communication control unit 201.
The communication control unit 201 receives the permission input from the control unit 208a.
The signal is transmitted to the automatic transaction apparatus 1a via a communication line.
The communication control unit 106 of the automatic transaction device 1a includes the management device 2a
Receiving the permission signal from the control unit 1
11a and connected to the management device 2a
Disconnect the communication line. The control unit 111a
When a permission signal from the communication control unit 106 is input, the permission
Display the balance according to the balance data included in the signal
Is output to the display unit 101 for display. Display
101 is input with display data from the control unit 111a
And the account corresponding to the card according to the display data
Is displayed in characters and figures to notify the user. Use
The user checks the content displayed on the display unit 101, and
Take out the card ejected from the reader. In addition, financial machine
The control unit 505C of Seki C trades from the communication control unit 503C.
When a request signal is input, it is included in the transaction request signal.
The account number of the card data is stored in the account data storage unit 504C.
Not included in the transaction or included in the transaction request signal
The PIN is used as the PIN corresponding to the account number.
If not stored in the data storage unit 504C,
Indicates to the communication control unit 503C that the transaction is not permitted
Outputs a non-permission signal. The communication control unit 503C includes a control unit
When the disapproval signal from 505C is input, the disapproval signal
Issue to financial institution A via financial institution network 4
I do. The second transmitting / receiving unit 503A of the financial institution A is a financial institution A
Non-permission signal from financial institution C via Seki Network 4
Is received, the non-permission signal is output to the control unit 505A.
And the communication line with the financial institution C is disconnected.
The control unit 505A receives an error from the second communication control unit 503A.
When the permission signal is input, the non-permission signal is transmitted to the first communication control.
Output to control section 501A. First communication control unit 501A
When the non-permission signal from the control unit 505A is input,
The non-permission signal is transmitted to the management device 2 via the public network 3.
Send to a. The communication control unit 205 of the management device 2a
When the disapproval signal from the financial institution A is received,
Output to the control unit 208a and
Disconnect the communication line connected between them. At this time,
The communication history storage unit 205 stores the received disapproval signal and the communication destination
Memorize the code. The control unit 208a includes the communication control unit 205
When a disapproval signal is input from the
Output to the control unit 201. The communication control unit 201 is a control unit
To the automatic transaction apparatus 1a
Transmit via a communication line. Communication system of automatic transaction device 1a
The control unit 106 receives the disapproval signal from the management device 2a.
Then, the non-permission signal is output to the control unit 111a. System
The control unit 111a receives the non-permission signal from the communication control unit 106.
If you enter, there is no account corresponding to the card data or
You can check the balance due to the wrong PIN, etc.
Display data for displaying that there is no
Output to The display unit 101 displays a table from the control unit 111a.
When the display data is entered, the balance is checked according to the display data.
Notifying users by displaying characters and figures that the meeting is not possible
I do. 4. Collection and replenishment of cash in automatic transaction device 1a (1) Collection of cash When cash is transferred in automatic transaction device 1a,
Cash inserted by the user into the automatic transaction apparatus 1a is deposited in banknotes
It is put into the storage box of the mechanism 104 and stored in the storage box.
In the banknote depositing mechanism 104, the amount of cash in this storage box is
When it is detected that the predetermined amount has been exceeded, the amount of cash is set in advance.
Information indicating that the specified amount has been exceeded and the automatic
The near-full signal including the identification information of the transaction device is sent to the control unit 111.
Output to a. The control unit 111a controls the bill depositing mechanism 10
4 when the near full signal is input,
Is output to the communication control unit 106. The communication control unit 106
When a near full signal is input from the control unit 111a, the management
The connection operation of the communication line with the device 2a is performed, and the management device 2a
When the communication line is connected to the
The data is transmitted to the management device 2a via the communication line,
Disconnect the communication line between Communication control of management device 2a
The unit 201 receives the near full signal from the automated teller machine 1a.
When this is received, the near-full signal is output to the control unit 208a.
You. The control unit 208a receives the near-off from the communication control unit 201.
When the signal is input, the
In the separate information, the identification information included in the near-full signal
The corresponding individual information and the information in the storage box of the automatic transaction device 1a
Display information indicating that the amount of cash has exceeded a predetermined amount.
Is output to the display unit 207. Management equipment
Automatic retrieval based on the content displayed on the display unit 207 of the display 2a.
The countermeasure headed for collecting cash in the pulling device 1a firstly
Transaction menu displayed on display unit 101 from input unit 102
-Select "Cash Collection". Then, the input unit 1
02 is a selection signal indicating that “cash collection” has been selected.
Signal to the control unit 111a. The control unit 111a
When the selection signal from the force unit 102 is input,
A message prompting the user to insert a card into the card reader 103
Display data for displaying the page on the display unit 101.
Power. The display unit 101 displays the display data from the control unit 111a.
When the data is entered, the user is prompted to insert the card.
Display messages in text or graphics. This message
The operator who saw the message automatically loaded his card
1a. Card reader 1 of automatic transaction device 1a
03 is the card data written on the inserted card
And outputs the card data to the control unit 111a.
You. The control unit 111 a
Card data is entered, the card data is
One of the collation data stored in the storage unit 112
Determine whether or not they match. The card data is the verification data
If it is stored as the data, the input unit 102
Prompts you to enter an amount from
The display data is output to the display unit 101. However,
The card data does not match any of the verification data
Display that the card data does not match
After outputting display data for display to the display unit 101,
finish. The display unit 101 displays a display from the control unit 111a.
When data is entered, a message corresponding to the display data is displayed.
Display by text or figure. The counselor withdraws the cash
An amount is input from the input unit 102. The input unit 102
The amount (collected amount) input by the user is output to the control unit 111a.
Power. The control unit 111a inputs the collected amount from the input unit 102
Enter the amount data according to the collected amount
Output to payment mechanism 105 and eject card from card reader
Finger to take out cash from the cash slot
Display data to display the message to be displayed
Output to the unit 101. The bill payment mechanism 105 includes a control unit
When the amount data from 111a is input, the amount data
Take out the cash corresponding to the data from the storage box and discharge it to the deposit / withdrawal port
I do. The operator checks the content displayed on the display unit 101
From the cash reader and card reader
Remove the ejected card. (2) Cash replenishment When cash is withdrawn in the automatic transaction device 1a,
Cash that the user withdraws with the automatic transaction device 1a is bill payment
It is discharged from the storage box of the mechanism 105. Bill payment mechanism 1
At 05, the amount of cash in this storage box falls below a predetermined amount.
Is detected, the amount of cash is set to a predetermined value.
Information indicating that the amount has fallen below the
Outputs a near-end signal including other information to the control unit 111a.
You. The control unit 111a receives the d from the bill payment mechanism 105.
When the near-end signal is input, the near-end signal is communicated.
Output to control unit 106. The communication control unit 106 includes a control unit
When the near-end signal from 111a is input, the management device
2a to perform a connection operation of a communication line with the management device 2a.
When the communication line between the two is connected, the near-end signal is passed.
Transmission to the management device 2a via the communication line,
Disconnect the communication line between Communication control unit of management device 2a
201 receives a near-end signal from the automatic transaction apparatus 1a.
And outputs the near-end signal to the control unit 208a.
I do. The control unit 208 a
When the end signal is input, it is stored in the individual information storage unit.
Identification information included in the near-end signal
Individual information corresponding to the information and storage of the automatic transaction device 1a
Information indicating that the amount of cash in the box has fallen below a predetermined amount
Output display data to be displayed to the display unit 207
You. The contents displayed on the display unit 207 of the management device 2a are also displayed.
At the same time, a countermeasure headed for replenishing cash in the automatic transaction device 1a
Is displayed on the display unit 101 from the input unit 102 first.
Select “Replenish cash” from the transaction menu. Do
And the input unit 102 indicates that “replenish cash” has been selected.
Is output to the control unit 111a. Control unit 1
11a, when a selection signal is input from the input unit 102,
Insert the card into the card reader 103 for the agent
Display data to display a message prompting
Output to the unit 101. The display unit 101 includes a control unit 111a
When the display data from
A message prompting insertion is displayed by text or graphic.
The responder who saw this message, the card that he owns
Is inserted into the automatic transaction apparatus 1a. Automatic transaction device 1a
Card reader 103 writes on the inserted card.
The card data is read, and the card data is
1a. The control unit 111a includes the card reader 10
When the card data from 3 is input, the card data
Of the collation data stored in the collation data storage unit 112
It is determined whether any one of them matches. The card day
If the data is stored as collation data,
Encourage cash to be inserted into the cash slot of the banknote depositing mechanism 104
The display data for displaying the message is displayed on the display unit 10.
Output to 1. The display unit 101 receives an instruction from the control unit 111a.
When the display data is input, the operator is prompted to input cash.
The message is displayed by text or graphic. This message
The responder who saw the sage puts cash for replenishment into the cash slot
I do. Note that the control unit 111a illuminates the card data.
If it does not match any of the
Display data to indicate that the data
After outputting to the display unit 101, the process ends. Display 1
01 is input of display data from the control unit 111a
And a message according to the display data
Display. The bill depositing mechanism 104 is inserted into the cash slot
Calculated cash amount (replenishment amount)
Is output to the control unit 111a according to
Then, the cash is put into the storage box. Control unit 111
a ejects the card from the card reader,
A message prompting you to remove the ejected card appears.
The display data to be displayed is output to the display unit 101. display
The unit 101 receives display data from the control unit 101
And instruct the removal of the card according to the display data
Display messages in text or graphics. The response person displays
Check the content displayed on the unit 101 and use the card reader
Remove the ejected card. 5. Cash management The control unit 111a of the automatic transaction apparatus 1a stores the schedule
At the time stored in the storage unit 109, the transaction data
The transaction data stored in the storage unit 108 is read.
Transaction data and the automatic transaction device 1a
Output to the communication control unit 106 as identification data
I do. The communication control unit 106 performs the closing from the control unit 111a.
When the data is input, the communication procedure is stored in advance.
Then, the connection operation of the communication line with the management device 2a is performed,
When the communication line is connected, the closing data is stored in the management device 2a.
Send to The communication control unit 201 of the management device 2a
Receipt of closing data from the automated teller machine 1a via the line
Then, the closing data is output to the control unit 208a.
The control unit 208a receives the closing data from the communication control unit 201.
Is entered, the transaction data included in the closing data is
Second transaction data record constituting transaction data storage unit 202
Output to storage unit. The second transaction data storage unit is a control unit 2
08a is stored. And the system
The control unit 208a is stored in the first transaction data storage unit.
Transaction data stored in the second transaction data storage unit
Check the data. If the two match, the transaction
The data is output to the first storage unit as confirmation data. What
If the two do not match, the control unit 208a
Based on the communication history stored in the communication history storage unit 206
Check whether the transaction data stored in the first transaction data storage unit is correct or not.
to decide. As a result, the first transaction data is correct
If it is confirmed that the transaction data is
The data is output to the first storage unit as data. However, the first
Transaction data stored in the
If the identification information included in the closing data is not
Corresponding to the identification information from the individual information storage unit 203
The individual information is read and the individual information and the first transaction data are read.
Transaction amount of transaction data stored in data storage unit matches
The display unit 2 displays display data for indicating that no operation has been performed.
07. The display unit 207 is controlled by the control unit 208a.
When the display data of is input, according to the input data,
Individual information of the automatic transaction apparatus 1a and first transaction data
The transaction amounts in the transaction data stored in the
The fact that there was no message is indicated by characters or figures. Then manage
The control unit 208a of the device 2a includes the schedule storage unit 21
When the time stored in 1 is reached, the first transaction data storage
Of the confirmation data stored in the
Add the transaction amount included in the verification code with
Stored in the amount storage unit 204 corresponding to the financial institution code.
The total amount is read, and
1 from the confirmation data stored in the transaction data storage unit
Of the financial institution and the financial institution
Is output to the amount storage unit 204 as total amount data.
You. The amount storage unit 204 stores the total amount from the control unit 208a.
When the data is entered, the financial
Store as the total amount of each financial institution based on the institution code
You. Then, the control unit 208a stores the total amount and the amount of money.
And the reference amount of the financial institution stored in the unit 204 in advance.
If the total amount of the financial institution exceeds the
Is lower than the total amount of the financial institution and the total amount
Table to indicate that the set amount has been exceeded
The display data is output to the display unit 207. The display unit 207
When the display data from the control unit 208a is input,
The total amount of the financial institution and the total amount are set in advance according to the power signal.
Indicate that the specified amount has been exceeded by text or figures.
You. [Embodiment 2] Next, a second embodiment of the settlement management system of the present invention will be described.
An embodiment will be described with reference to the drawings. [Structure] FIG. 2 shows a second embodiment of the settlement management system of the present invention.
It is a block diagram showing an example. In FIG. 2, automatic trading
The devices 1D and 1E include a display unit 101, an input unit 102, a car
Dryer 103, bill depositing mechanism 104, bill payment machine
Structure 105, communication control units 106D and 106E, financial institution
Storage unit 107D, 107E, transaction data storage unit 108,
Schedule storage unit 109, cash storage unit 110, collation data
Data storage unit 112 and control units 111D and 111E.
Have been. Display unit 101, input unit 102, cardley
DA 103, banknote depositing mechanism 104, banknote paying mechanism 10
5, transaction data storage unit 108, schedule storage unit 10
9. The cash storage unit 110 and the collation data storage unit 112
The description is omitted here because it is the same as the first embodiment.
You. The communication control units 106D and 106E include a control unit 111
Check request signal from D, 111E, transaction request signal, cancellation
Signal, near full signal, near end signal, transaction data signal
Signal, closing data signal, or management data signal
Then, according to the previously stored communication procedure, the management device is
The connection operation of the communication line with the device 2b is performed.
When the communication line is connected, the control unit is connected via the communication line.
The input signals from 111D and 111E are transmitted. Also,
A confirmation signal from the management device 2b via the communication line,
Receives enable, enable, or disallow signals
And outputs the received signal to control sections 111D and 111E.
You. The financial institution storage units 107D and 117E store their own devices in advance.
The financial institution code of the financial institution that owns the
I remember it as In this embodiment, the financial institution storage unit
107D contains the financial institution code of financial institution D, and gold
The financial institution storage unit 107E stores the financial institution code of the financial institution E
Are respectively stored. Control units 111D and 111E
Displays the display data to display the transaction menu
Output to the unit 101, and the selection signal from the input unit 102 is input.
Then, the procedure according to the selected transaction menu is displayed.
The display data to be displayed is output to the display unit 101. What
In this embodiment, the transaction menu is displayed from the specified account.
Withdraw money, transfer cash to designated account, check balance
Meeting, replenishment of cash, and collection of cash.
It is not limited. From the input unit 102, the transaction
Selected to withdraw cash from a designated account
Selection signal indicating that the
Password and card data from the card reader 103.
When the data is input, the transaction selected by the input unit 102
Code indicating the type of transaction, financial institution storage unit 107D, 1
Communication destination code, PIN, card stored in 07E
Data, transaction amount (amount data from bill depositing mechanism 104)
The communication control unit 106 transmits a transaction request signal including information such as
D, 106E. After that, the communication control unit 106
When the permission signal from D and 106E is input, the communication destination
Code, transaction code, PIN, card data, transaction amount, etc.
The transaction data including which information is stored in the transaction data storage unit 108
Output. Note that communication control units 106D and 106E do not
If the permission signal is input, whether the result of the transaction is permitted
Transaction data with a transaction result code
Transaction data storage unit 108 and communication control units 106D, 1
06E. After the permission signal is input,
Is not ejected or bills are stored properly
If not stored in the box, etc.,
Cancellation code, destination code, cancellation
Code, PIN, card data, transaction amount, etc.
Output a cancellation signal containing the information and cancel the transaction.
Transaction data with a cancellation code indicating that
Data storage unit 108 and communication control units 106D and 106E.
Output to From the input section 102, the transaction menu
A selection indicating that you have chosen to transfer cash to the designated account
A signal is input, and the account number
Card data from the reader 103 and an input unit
When the amount data from 102 is entered, the transaction code,
Trust code, transaction amount (bank deposit mechanism 104 or
Card data or account
The communication control unit 106 transmits a transaction request signal including information such as a seat number.
D, 106E. After that, the communication control unit 106
When the permission signal from D and 106E is input, the communication destination
Code, transaction code, PIN, card data, transaction amount, etc.
The transaction data including which information is stored in the transaction data storage unit 108
Output. Note that communication control units 106D and 106E do not
If the permission signal is input, whether the result of the transaction is permitted
Transaction data with a transaction result code
Transaction data storage unit 108 and communication control units 106D, 1
06E. The transaction menu from the input unit 102
Of the balance input is selected
And a password and a card from the input unit 102.
When card data is input from the reader 103, the transaction
Information such as password, communication destination code, password, card data, etc.
To the communication control units 106D and 106E
Output. After that, the communication control units 106D and 106E
When the permission signal and balance data of
Code, transaction code, PIN, card data, etc.
Output and process the transaction data including the transaction data to the transaction data storage unit 108
To exit and display balance data
The data is output to the display unit 101. The communication control unit 1
When the disapproval signal is input from 06D and 106E,
Transaction result code indicating that the result of the deal was not allowed
To the transaction data storage unit 108
I do. Cash from the transaction menu from the input unit 102
To indicate that you have chosen to replenish or collect cash
The password is input, and the password and the password
And card data from the card reader 103 are input
And the operator code included in the card data
The operator code is stored in the collation data storage unit 112.
Check if it matches the collation data you are doing. Soshi
If they match, the transaction code, PIN,
Data, replenishment amount (input from banknote depositing mechanism 104)
Amount data to be collected) or collected amount (input from the input unit 102).
Trading data that includes information such as
The data is output to the data storage unit 108, and the transaction code,
PIN, card data, replenishment amount or collection amount, etc.
Is transmitted to the communication control unit 106D. 1
06E and the process ends. Schedule storage unit 1
09, the transaction data storage unit 1
Read the transaction data stored in
Closing information including identification information and transaction data assigned to each
Outputs data signals to communication control units 106D and 106E
You. The management device 2b includes a communication control unit 201b, transaction data
Storage unit 202, individual information storage unit 203, amount storage unit 20
4. Communication control units 205D and 205E, communication history storage unit 2
06b, display unit 207, schedule storage unit 211, control
And a control unit 208b. In addition, transaction data
Storage unit 202, individual information storage unit 203, amount storage unit 20
4. The display unit 207 and the schedule storage unit 211
Since this is the same as Example 1, the description is omitted here.
The communication control unit 201b performs the communication procedure stored in advance.
Therefore, the connection operation of the communication line with the automatic transaction apparatus 1D, 1E.
Operation, and the automatic transaction equipment 1D, 1E via the communication line
Confirmation request signal, transaction request signal, cancellation signal, near full
Signal, near-end signal, transaction data signal, closing data signal
Signal or the management data signal,
The signal is output to the control unit 208b. The control unit 208
Confirmation signal, confirmation impossible signal, permission signal, non-permission signal from b
When one of the signals is input, the input signal is sent to the communication line.
To the automatic transaction apparatuses 1D and 1E via the Internet. In addition, the real
In the embodiment, the communication control unit 201b includes two automatic transaction devices 1
The case of communicating with D and 1E will be described.
It is not limited. Communication control unit 205D, 205
E is the processing units 5D and 5E of the financial institutions D and E, respectively.
It is connected by a dedicated line and receives a verification request signal from the control unit 208b.
Signal, transaction request signal, or cancellation signal,
The input signal is processed by the financial institutions D and E via a dedicated line.
Transmit to the devices 5D and 5E. Also, money via dedicated line
Confirmation signals from the processors 5D and 5E of the
Receives an unapproved signal, permission signal, or non-permission signal
Then, the received signal is output to the control unit 208b. communication
The history storage unit 206b includes communication control units 205D and 205E.
Between the processing units 5D and 5E of the financial institutions D and E, respectively.
Stores history data including signals transmitted / received at and the transmission / reception time
are doing. The control unit 208b receives a request from the communication control unit 201b.
Confirmation request signal, transaction request signal, or cancellation signal
When input, the communication destination code included in the input signal
And the communication control unit 205D or 20
5E to the communication control units 205D and 205E.
Any of approval signal, confirmation impossible signal, permission signal, and disapproval signal
Is input to the communication control unit 201b.
Output. Near full signal from the communication control unit 201b or
Is included in the input signal when the near-end signal is input.
Individual information based on the identification information of the automatic transaction devices 1D and 1E.
From the information storage unit 203, the automatic transaction devices 1D and 1E
Read the information and read the individual information and near full or
Display data for displaying information indicating the end
Output to the display unit 207. Transaction from communication control unit 201b
When a data signal is input, the relevant transaction data is
Output to the first transaction data storage unit constituting the storage unit 202
I do. A closing data signal is input from the communication control unit 201b.
Then, the transaction data included in the closing data is
To the second transaction data storage unit constituting the data storage unit 202
Output. And stored in the first transaction data storage unit
Transaction data stored in the second transaction data storage unit.
Check the index data. If they match, the transaction
The data is output to the first storage unit as confirmation data. What
If the two do not match, the communication history storage unit 20
6b based on the communication history stored in the first transaction data
It is determined whether the transaction data stored in the storage unit is correct. This result
As a result, it is confirmed that the first transaction data is correct.
If the transaction data is
Output to the storage unit. However, the first transaction data storage unit
If the stored transaction data is not correct,
Individual information storage based on identification information included in the closing data
Reads the individual information corresponding to the identification information from the unit 203
And stored in the individual information and the first transaction data storage unit.
That the transaction amounts in the transaction data
The display data to be displayed is output to the display unit 207.
When the time stored in the schedule storage unit 211 comes,
Confirmation data stored in the transaction data storage unit 1
That is included in the confirmation data with the same financial institution code
The transaction amount is added, and the financial institution
Read the total amount stored corresponding to the
Stored in the first transaction data storage unit.
Total amount obtained by adding the amount obtained from the confirmation data
Financial institution code is stored as total amount data
Output to the unit 204. Then, the total amount and the amount storage unit
Compare with the reference amount of the financial institution stored in 204
And the total amount of the financial institution exceeds or falls below the threshold
The total amount of the relevant financial institution and the total amount are set in advance when it turns
Display data to indicate that the specified
Data to the display unit 207. From the communication control unit 201b
When the management data signal is input, the management data is traded.
Output to the data storage unit 202. Financial institution network
4 is the same as that of the first embodiment, and the description thereof is omitted here.
Omitted. The processing devices 5D and 5E of the financial institutions D and E are
1 communication control units 501D and 501E, communication procedure storage unit 5
02D, 502E, second communication control units 503D, 503
E, account data storage units 504D, 504E, control unit 50
5D and 505E. First communication control
The units 501D and 501E perform communication procedures stored in advance.
Therefore, a confirmation request signal from the management device 2b, a transaction request
When a signal or cancellation signal is received, the received signal
Is output to the control units 505D and 505E. Control unit
Confirmation signal from 505D, 505E, confirmation impossible signal, permission
When either the enable signal or the disable signal is input, the input
The signal is transmitted to the management device 2b via the communication line. communication
The procedure storage units 502D and 502E store information of other financial institutions in advance.
Stores the communication procedure with the processing device according to the financial institution code.
ing. The second communication control units 503D and 503E control
Confirmation request signal and transaction request signal from the units 505D and 505E
Signal or cancellation signal is input, the input signal
Based on the financial institution code included, the communication procedure storage unit 50
Of the communication procedures stored in 2D, 502E,
Read the communication procedure corresponding to the institution code, and
In turn, the other money via the financial institution network 4
The connection operation of the communication line with the processing device of the financial institution is performed. Soshi
And a communication line with the processing device of another financial institution is connected.
From the control units 505D and 505E via a communication line.
Transmit the input signal. In addition, other financial
Confirmation signal, confirmation impossible signal, permission signal from processing unit of engine
Signal or non-permission signal, the received signal
Is output to the control units 505D and 505E. Account Data Record
Storage units 504D and 504E are customer accounts of financial institutions D and E.
PIN corresponding to each account number,
The address, name, and the like are stored in advance, and the control unit 505D,
When the transaction data from 505E is input, the transaction data
Is stored. When a cancel signal is input, the
Account number included in the cancellation signal
Delete the latest transaction data corresponding to the account number based on
Leave. The control units 505D and 505E perform the first communication control.
Confirmation request signals from the units 501D and 501E are input
And the financial institution code included in the confirmation request signal is
With the financial institution codes of own financial institutions D and E stored in advance
If there is, the account number included in the confirmation request signal
Accounts stored in account data storage units 504D and 504E
Whether the account number matches the account number and the password is the account number
Check that the password matches the password stored
Admit. Account number and PIN are stored in account data storage unit 5
When it matches with the one stored in 04D, 504E
Sends a confirmation signal to the first communication control units 501D and 501E.
Output and account data corresponding to the account number
(Account name, etc.) from account data storage unit 504D, 504E
Read and output to first communication control units 501D and 501E
I do. Note that the account number is stored in the account data storage units 504D and 504D.
Do not match any of the account numbers stored in 04E
Or the PIN is stored in correspondence with the account number.
If the password does not match the password,
It outputs a confirmation-impossible signal to the control units 501D and 501E. No.
1 transaction request signals from the first communication control units 501D and 501E.
Is entered, the financial machine included in the transaction request signal
Financial machines of own financial institutions D and E that the Seki Code pre-stores
If it is a related code, it is included in the transaction request signal
Account number is stored in account data storage unit 504D, 504E
Match with any of the account numbers
The security code that the security code corresponds to the account number
Check whether it matches. Account number and PIN
Is stored in the account data storage units 504D and 504E.
If they match, the first communication control units 501D, 501D
01E and output a permission signal to the transaction request signal
The included card data, transaction code, and transaction amount are
Output to account data storage units 504D and 504E as data
I do. In addition, the account number of the card data is stored in the account data
Which of the account numbers stored in the sections 504D and 504E
Does not match the password, or the PIN
If the password does not match the stored password,
A non-permission signal is output to the first communication control units 501D and 501E.
Power. The processing device 5F of the financial institution F includes a communication control unit 50
3F, account data storage unit 504F, control unit 505F
It is composed of The communication control unit 503F stores in advance
Processing equipment of financial institutions D and E according to the communication procedure
Performs the connection operation of the communication line with 5D and 5E, and
Confirmation request signal, transaction request signal,
When any of the OFF signals is received, the received signal is
Output to 505F. Confirmation from control unit 505F
One of a signal, non-confirmation signal, permission signal, and non-permission signal
Is input, the input signal is transmitted to the financial
The data is transmitted to the processing devices 5D and 5E of the functions D and E. Account data
The storage unit 504F stores the account number of the customer of the financial institution F according to the account number.
Password, customer address, name, etc.
Are stored in advance, and the transaction data from the control unit 505F is stored.
When the data is input, the transaction data is stored. Also cancel
When a signal is input, of the stored transaction data,
Based on the account number included in the cancellation signal,
Clear the corresponding latest transaction data. Control unit 505F
Receives a confirmation request signal from the communication control unit 503F.
And the financial institution code included in the confirmation request signal is
This is the financial institution code of own financial institution F stored in advance.
The account number included in the confirmation request signal
Matches with account number stored in data storage unit 504F
Or not, and the PIN is stored corresponding to the account number.
Check whether the password matches the password. Account number
Number and password are stored in the account data storage unit 504F.
If they match, check with the communication control unit 503F.
Output an authorization signal and the account corresponding to the account number.
Read account data (account name, etc.) from account data storage unit 504F
And outputs it to the communication control unit 503F. Account number
Account number stored in the account data storage unit 504F
Does not match any of the above, or the PIN is
The password did not match the password stored for the number
In this case, a confirmation impossible signal is output to the communication control unit 503F.
You. Transaction request signal from communication control unit 503F is input
And the gold of the card data included in the transaction request signal
Whether the financial institution code is that of financial institution F
Check if. If it is the financial institution code of financial institution F
The account number included in the transaction request signal
Matches any of the account numbers stored in storage unit 504F
The account number and whether or not
It is determined whether or not the password matches the stored password. account
Number and password are stored in the account number storage unit 504F.
If they match, the communication control unit 503F is permitted.
Output a signal indicating that the transaction
Code data, transaction code, transaction amount as transaction data
Output to account data storage unit 504F. In addition, account number
Of the account number stored in the account data storage unit 504F.
Does not match any of them, or the PIN is the account number
If the password does not match the password stored in the memory
In this case, a non-permission signal is output to the communication control unit 503F.

[Operation] Next, FIG.
The operation of the management system will be described. 1. Cash withdrawal from designated account (1) Cash withdrawal from financial institution D account
Automatic transaction device 1 using a card issued by institution D
In the case of withdrawing cash from D, first, the user operates the input unit 10
From the transaction menu displayed on the display unit 101 from Step 2
Select "Cash withdrawal". Then, the input unit 102
Is a selection signal indicating that "Cash withdrawal" has been selected
Is output to the control unit 111D. Control unit 111D
When a selection signal is input from the input unit 102, the user
Prompts the user to insert a card into the card reader 103
The display data for displaying the message is displayed on the display unit 10.
Output to 1. The display unit 101 receives an instruction from the control unit 111D.
After the display data is entered, the user is prompted to insert the card.
A prompting message is displayed by text or graphic. This method
The user who sees the message automatically deletes the card
Insert into transaction device 1D. Card transaction of automatic transaction device 1D
Is a card written on the inserted card.
Reads the data and sends the card data to the control unit 111D
Output. The control unit 111 </ b> D
When the user inputs the card data, the input unit 10
A message appears prompting you to enter your PIN from Step 2.
The display data to be displayed is output to the display unit 101. display
Unit 101 receives input of display data from control unit 111D.
A message prompting the user to enter a PIN
Display by text or figure. Seeing this message
The user enters a password corresponding to the inserted card into the input unit 1
Input from 02. The input unit 102 is input by the user
The personal identification number is output to the control unit 111D. Control unit 111D
Indicates that when the password is input from the input unit 102, the user
Prompting the user to enter the amount from the input unit 102
Display data for displaying the page on the display unit 101.
Power. The display unit 101 displays the display data from the control unit 111D.
When the data is entered, the user is prompted to enter the amount.
Display the message in text or graphics. This message
The user who sees the amount of cash to withdraw from the input unit 102
input. The input unit 102 displays the amount (collection) input by the user.
(The discount amount) is output to the control unit 111D. Control unit 111D
Input card data from the card reader 103
And the communication destination code stored in the financial institution storage unit 107.
Code, and the corresponding communication destination code, card data,
Issue, the content of the transaction selected by the user in the input unit 102 (this
In the case of, "Cash withdrawal") transaction code, transaction amount
Output transaction request signal including amount to communication control unit 106D
You. The communication control unit 106D performs a transaction from the control unit 111D.
When the request signal is input, the communication procedure stored in advance is set.
Accordingly, the connection operation of the communication line with the management device 2b is performed,
When the communication line with the management device 2b is connected, the control unit 1
The transaction request signal input from 11D is transmitted via the communication line.
To the management device 2b. Communication control unit of management device 2b
201b receives a transaction request signal from the automatic transaction device 1D.
The transaction request signal to the control unit 208b.
You. The control unit 208b performs a transaction from the communication control unit 201b.
When the request signal is input, the communication
Check which financial institution code the trust code is.
Here, the communication destination code is a financial institution code indicating the financial institution D.
Therefore, the transaction request signal is transmitted to the communication control unit 205.
Output to D. The communication control unit 205D includes a control unit 208b
When a transaction request signal is input from the
To the processing device 5D of the financial institution D in accordance with the communication procedure.
Card data, PIN, transaction code,
Send a transaction request signal containing the transaction amount. At this time,
The communication history storage unit 206b stores the transaction request signal and the communication
Store the destination code. First of the processing unit 5D of the financial institution D
The communication control unit 501D of the management device 2
b, the transaction request signal is received.
Is output to the control unit 505D. The control unit 505D controls the first
A transaction request signal from the communication control unit 501D
And the financial machine of the card data included in the transaction request signal
Confirm that the Seki code is the financial institution code of financial institution D.
Admit. The financial institution code of the card data is that of financial institution D
Since this is a financial institution code, the control unit 505D next sets
The account number of the card data is stored in the account data storage unit 504D.
Is included in the transaction request signal
Password as the password corresponding to the account number
It is determined whether or not it is stored in the account data storage unit 504D.
Refuse. The account number of the card data is stored in the account data
Unit 504D and included in the transaction request signal.
Password is the password corresponding to the account number.
If it is stored in the account data storage unit 504D,
That the first communication control unit 501D permits the transaction.
The permission signal shown is output. In addition, the control unit 505D
Card data, a transaction code included in the transaction request signal,
The transaction data including the transaction amount is stored in the account data storage unit 504D.
Output to The account data storage unit 504D includes the control unit 50
When transaction data from 5D is entered, it is included in the transaction data
The transaction data of the account number of the card data
The index data is stored. The first communication control unit 501D controls
When a permission signal is input from the control unit 505D, the permission signal
Is transmitted to the management device 2b via the communication line. Management equipment
The communication control unit 205D of the device 2b is a processing device of the financial institution D.
When the permission signal is received from 5D, the permission signal is controlled.
Output to the unit 208b. At this time, the communication history storage unit 20
6b stores the received permission signal and the communication destination code.
The control unit 208b receives a permission signal from the communication control unit 205D.
Is input, the permission signal is output to the communication control unit 201b.
Power. The communication control unit 201b receives an input from the control unit 208b.
Via the communication line to the automatic transaction device 1D
Send. The communication control unit 106D of the automatic transaction device 1D
When the permission signal is received from the management device 2b, the permission signal is received.
Signal to the control unit 111D. The control unit 111D
When the permission signal from the credit control unit 106D is input, the banknote
Output amount data according to the transaction amount to the payment mechanism 105
Eject cards from the card reader and deposit and withdraw
A message prompts you to remove cash from your mouth.
The display data to be displayed is output to the display unit 101. Ma
In addition, the communication line with the management device 2b is disconnected. Banknote support
The payment mechanism 105 receives the amount data from the control unit 111D.
When you enter, the cash corresponding to the amount data is stored from the storage box
Take it out and discharge it to the cash slot. The display unit 101 controls
When the display data is input from the section 111b, the display data
Instruct cash to be withdrawn from the cash slot according to the data
The message is displayed in characters and figures to notify the user.
The user checks the content displayed on the display unit 101 and enters
Cash discharged to the withdrawal port and discharged from the card reader
Remove the removed card. The control unit 111b allows the user to
When the money and the card are taken out, the communication control unit 106D automatically sends the card and the card.
Identification information and card data given in advance for each transaction device
Output transaction data including transaction data, transaction code, and transaction amount
You. The communication control unit 106D performs a transaction from the control unit 111b.
When the data is input, the connection of the communication line with the management device 2b is established.
Performs an operation, and a communication line with the management device 2b is connected.
And transmits the transaction data to the management device 2b.
2b is disconnected. Communication control of the management device 2b
The unit 201b receives the transaction data from the automatic transaction device 1D.
When the communication is received, the transaction data is output to the control unit 208b.
You. The control unit 208b performs a transaction from the communication control unit 201b.
When the data is entered, the transaction data is stored in the transaction data
Output to the first transaction data storage unit constituting the unit 202
You. The first transaction data storage unit receives the data from the control unit 208b.
When the transaction data is input, the transaction data is stored.
The control unit 505D of the financial institution D performs the first communication control.
When a transaction request signal is input from the section 501D,
The account number of the card data included in the
Not stored in the data storage unit 504D, or
The PIN included in the request signal corresponds to the account number
Is stored in the account data storage unit 504D as a personal identification number.
If not, the first communication control unit 501D
And outputs a non-permission signal indicating that the drawing is not permitted. First
The communication control unit 501D has a non-permission from the control unit 505D.
When the signal is input, the non-permission signal is transmitted via the communication line.
It is transmitted to the management device 2b. Communication control unit 2 of management device 2b
05D is a non-permission signal from the processing unit 5D of the financial institution D.
Is received, the non-permission signal is output to the control unit 208b.
I do. At this time, the communication history storage unit 205D
The non-permission signal and the communication destination code are stored. Control unit 208b
Is a non-permission signal from the communication control unit 205D.
And outputs the non-permission signal to the communication control unit 201b.
The communication control unit 201b receives the input from the control unit 208b.
Send the permission signal to the automatic transaction device 1D via the communication line
You. The communication control unit 106D of the automatic transaction device 1D
When receiving the non-permission signal from the device 2b,
Is output to the control unit 111D. The control unit 111D performs communication
When the non-permission signal is input from the control unit 106D, the transaction
Display data to indicate that the
Output to 101. The display unit 101 is the control unit 111D.
When these display data are entered,
Notifying users that transactions are not possible by displaying them in characters or diagrams
Know. In addition, the control unit 111D of the automatic transaction device 1D
Indicates that a permission signal is input from the communication control unit 106D,
Outputs the amount data to the payment mechanism 105 and outputs the data to the card reader
Automatic transaction device despite discharging more cards
The cash or card may be jammed inside 1D.
Pulling may not be performed reliably. In this case, the control unit 1
11D is a cancellation instruction indicating that the transaction is to be canceled,
Including trust code, card data, transaction code, transaction amount
Output a cancel signal. The communication control unit 106D includes a control unit
When the cancel signal from 111D is input, it is stored in advance.
Connection of the communication line with the management device 2b according to the communication procedure
Connection operation and the communication line with the management device 2b is connected.
Then, the cancellation signal input from the control unit 111D is transmitted to the communication
After transmitting to the management device 2b via the line, the communication line is disconnected.
Refuse. The communication control unit 201b of the management device 2b
When the cancellation signal from the pulling device 1D is received, the cancellation signal
Is output to the control unit 208b. The control unit 208b communicates
When a cancellation signal is input from the control unit 201b, the cancellation
The destination code included in the signal indicates which financial institution
Check if it is. Here, the destination code is gold
Since this is the financial institution code of financial institution D, the cancellation signal
Output to the communication control unit 205D. Communication control unit 205D
Communicates when a cancel signal is input from the control unit 208b.
Instructs the processor 5D of the financial institution D to cancel via the line,
Send a cancellation signal containing transaction data, transaction code and transaction amount
I believe. At this time, the communication history storage unit 206b stores
The cancellation signal is stored. First of the processing unit 5D of the financial institution D
The communication control unit 501D communicates with the management device 2b via a communication line.
Receiving the cancellation signal from the control unit 5
Output to 05D. The control unit 505D performs the first communication control.
When the cancel signal from the unit 501D is input, the cancel signal
Is the financial institution code of the card data included in the financial institution D
Confirm that it is a financial institution code. Card data
Financial institution code is financial institution D's financial institution code
Therefore, the control unit 505D then proceeds to the account of the card data.
Whether the number is stored in account data storage unit 504D
Judge. The account number of the card data is account data
Account data is stored in the data storage unit 504D.
To the storage unit 504D, card data, transaction code, transaction money
Output the cancellation data including the amount. Account data storage unit 50
4D is input with cancellation data from the control unit 505D.
And the account number of the card data included in the cancellation data
Of the transaction data stored as
Erase the latest transaction data that matches. In this case,
The control unit 111D of the dynamic transaction device 1D further includes an automatic transaction
Identification information, card data,
Transaction code, transaction amount, cash and card
Transactions that include a code indicating that the transaction was not performed
The data is output to the communication control unit 106D. Communication control unit 1
06D is input with transaction data from the control unit 111D.
And a communication line connection operation with the management device 2b.
When the communication line with the device 2b is connected, the transaction data
Is transmitted to the management device 2b, and the communication line with the management device 2b is established.
Disconnect. The communication control unit 201b of the management device 2b
When the transaction data from the transaction device 1D is received, the transaction
The data is output to the control unit 208b. Control unit 208b
Is input with transaction data from the communication control unit 201b.
Constitute the transaction data storage unit 202 with the transaction data.
Output to the first transaction data storage unit. First trading day
The data storage unit receives transaction data from the control unit 208b.
Then, the transaction data is stored. (2) Withdrawing cash from the account of the financial institution F The user holding the card of the financial institution F is required to
Automatic transaction device 1 using a card issued by institution F
In the case of withdrawing cash from D, first, the user operates the input unit 10
From the transaction menu displayed on the display unit 101 from Step 2
Select "Cash withdrawal". Then, the input unit 102
Is a selection signal indicating that "Cash withdrawal" has been selected
Is output to the control unit 111D. Control unit 111D
When a selection signal is input from the input unit 102, the user
Prompts the user to insert a card into the card reader 103
The display data for displaying the message is displayed on the display unit 10.
Output to 1. The display unit 101 receives an instruction from the control unit 111D.
After the display data is entered, the user is prompted to insert the card.
A prompting message is displayed by text or graphic. This method
The user who sees the message automatically deletes the card
Insert into transaction device 1D. Card transaction of automatic transaction device 1D
Is a card written on the inserted card.
Reads the data and sends the card data to the control unit 111D
Output. The control unit 111 </ b> D
When the user inputs the card data, the input unit 10
A message appears prompting you to enter your PIN from Step 2.
The display data to be displayed is output to the display unit 101. display
Unit 101 receives input of display data from control unit 111D.
A message prompting the user to enter a PIN
Display by text or figure. Seeing this message
The user enters a password corresponding to the inserted card into the input unit 1
Input from 02. The input unit 102 is input by the user
The personal identification number is output to the control unit 111D. Control unit 111D
Indicates that when the password is input from the input unit 102, the user
Prompting the user to enter the amount from the input unit 102
Display data for displaying the page on the display unit 101.
Power. The display unit 101 displays the display data from the control unit 111D.
When the data is entered, the user is prompted to enter the amount.
Display the message in text or graphics. This message
The user who sees the amount of cash to withdraw from the input unit 102
input. The input unit 102 displays the amount (collection) input by the user.
(The discount amount) is output to the control unit 111D. Control unit 111D
Input card data from the card reader 103
And the communication destination code stored in the financial institution storage unit 107.
Code, and the corresponding communication destination code, card data,
Communication request signal including transaction number, transaction code and transaction amount
Output to the control unit 106D. The communication control unit 106D controls
When the transaction request signal from the unit 111D is input, it is stored in advance.
Communication with the management device 2b according to the communication procedure being performed.
Line connection operation, and the communication line with the management device 2b is established.
When connected, a transaction request signal input from the control unit 111D
Is transmitted to the management device 2b via the communication line. management
The communication control unit 201b of the device 2b determines whether the automatic transaction device 1D
When the transaction request signal is received, the
Output to the control unit 208b. The control unit 208b performs communication control
When the transaction request signal from the section 201b is input, the transaction
The destination code included in the request signal indicates which financial institution
Check if it is shown. Where the destination code
Indicates the financial institution D, the transaction request
Output to the communication control unit 205D. Communication control unit 205
When the transaction request signal from the control unit 208b is input,
The processing of the financial institution D is performed according to the communication procedure stored in advance.
Card device to financial device D processing device 5D
Transaction request including data, PIN, transaction code, transaction amount
Send a signal. At this time, the communication history storage unit 206b
Stores the transaction request signal and the communication destination data.
First communication control unit 501D of processing device 5D of financial institution D
Is a transaction request signal from the management device 2b via the communication line.
Is received, the transaction request signal is output to the control unit 505D.
Power. The control unit 505D includes a first communication control unit 501D
When a transaction request signal from
The financial institution code of the included card data is stored in advance
Confirm that it is the financial institution code of financial institution D.
The financial institution code of the card data is the financial institution of financial institution F
Since the code is a code, the control unit 505D next proceeds to the card
Trade request signal containing data, transaction code and transaction amount
2 to the communication control unit 503D. Second communication control unit
503D receives a transaction request signal from the control unit 505D.
Then, the money of the card data included in the transaction request signal is
Stored in the communication procedure storage unit 502D based on the financial institution code
Of the communication procedures that correspond to the financial institution code
Communication procedure with the financial institution F, ie, the processing
Read the communication procedure with the device 5F and use the read communication procedure
Therefore, the financial institution F via the financial institution network 4
Of the communication line with the processing device 5F. Soshi
And the communication line with the processing unit 5F of the financial institution F is connected.
Then, a transaction request signal is sent to the processing unit 5F of the financial institution F.
Send. The communication control unit 503F of the financial institution F
Processing device 5D of financial institution D via Seki network 4
When the transaction request signal is received, the
Output to control unit 505F. The control unit 505F performs communication control
When a transaction request signal is input from the unit 503F, the transaction
The account number of the card data included in the request signal is
Whether it is stored in the data storage unit 504F,
The password included in the request signal corresponds to the account number.
Stored in the account data storage unit 504F as a personal identification number
It is determined whether or not. Account number of the card data
Is stored in the account data storage unit 504F, and
The PIN included in the transaction request signal corresponds to the account number
Stored in the account data storage unit 504F as a password
If the transaction has been made, the transaction is permitted to the communication control unit 503F.
Output a permission signal indicating that the
Data stored in the transaction request signal to the data storage unit 504F.
Transaction data, including transaction data, transaction code, and transaction amount.
Power. The account data storage unit 504F includes a control unit 505F
When transaction data from is entered, it is included in the transaction data
As the transaction data of the account number in the card data,
Remember the data. The communication control unit 503F includes a control unit 505
When the permission signal from F is input, the permission signal
To the processing device 5D of the financial institution D via the Seki network 4
Send. Second transmitting / receiving unit of the processing device 5D of the financial institution D
503D is a financial institution via the financial institution network 4
F receives a permission signal from the processing device 5F,
An enable signal is output to control section 505D. Control unit 505D
Indicates that the permission signal from the second communication control unit 503D is input.
Then, the permission signal is output to the first communication control unit 501D.
I do. The first communication control unit 501D is different from the control unit 505D.
When these permission signals are input, the permission signal is transmitted to the management device 2.
b. The communication control unit 205D of the management device 2b
Receiving a permission signal from the processing device 5D of the financial institution D
And outputs the permission signal to the control unit 208b. This and
Communication history storage unit 206b communicates with the received permission signal.
Store the trust code. The control unit 208b is a communication control unit
When the permission signal from 205D is input, the permission signal
Output to the communication control unit 201b. Communication control unit 201b
Transmits the permission signal input from the control unit 208b to the automatic transaction equipment.
To the device 1D via a communication line. Automatic transaction device 1D
The communication control unit 106 </ b> D receives a permission signal from the management device 2 b.
Is received, the permission signal is output to the control unit 111D.
And disconnect the communication line with the management device 2b.
You. The control unit 111D receives the permission from the communication control unit 106D.
When the signal is input, a transaction confirmation signal is sent to the communication control unit 106D.
Is output to the banknote payment mechanism 105 according to the transaction amount.
Output amount data and eject card from card reader
At the same time, instruct the user to take out cash from the cash slot.
The display unit 101 displays display data for displaying a message.
Output to The bill payment mechanism 105 includes a control unit 111D.
When the amount data from is input, according to the amount data
Remove the cash from the storage box and discharge it to the cash slot. table
The display unit 101 receives display data from the control unit 111D.
Then, cash is taken from the deposit / withdrawal port according to the display data.
Display a message instructing you to
Notify the user. The user is displayed on the display unit 101
Check the contents of the cash and the cash
Take out the card ejected from the reader. Control unit 11
1D uses a communication system when a user removes cash and a card.
To the control unit 106D for each automatic transaction device.
Transaction information including transaction information, transaction data,
Output index data. The communication control unit 106D includes the control unit 1
When the transaction data from 11D is input, the management device 2b
Connection operation of the communication line with the management device 2b.
When the line is connected, the transaction data is sent to the management device 2b.
And disconnects the communication line with the management device 2b. Management device
The communication control unit 201b of 2b transmits the information from the automatic transaction device 1D.
When the transaction data is received, the transaction data
8b. The control unit 208b includes a communication control unit 201
When the transaction data from b is input, the transaction data is retrieved.
First transaction data storage constituting the discount data storage unit 202
Output to the section. The first transaction data storage unit includes the control unit 20
8b, the transaction data is input.
Remember. The control unit 505F of the financial institution F communicates with the
When a transaction request signal is input from the control unit 503F, the
The account number of the card data included in the transaction request signal is
Not stored in the locus data storage unit 504F, or
The PIN included in the transaction request signal corresponds to the account number
Stored in the account data storage unit 504F as a password
If not, the transaction is transmitted to the communication control unit 503F.
Output a non-permission signal indicating that is not permitted. Communication system
The control unit 503F receives the non-permission signal from the control unit 505F.
When you press, the disapproval signal is sent to the financial institution network 4.
To the processing device 5D of the financial institution D via the Internet. Financial institution
D's second communication control unit 503D
From the processing unit 5D of the financial institution D via the network 4
Signal, the non-permission signal is output to the control unit 505D.
Power. The control unit 505D includes a second communication control unit 503D
When the disapproval signal is input from the
To the communication control unit 501D. First communication control unit 5
01D receives the disapproval signal from the control unit 505D
Is transmitted to the management device 2b. Management equipment
The communication control unit 205D of the device 2b is a processing device of the financial institution D.
When the disapproval signal from 5D is received, the disapproval signal is received.
Output to the control unit 208b. At this time, the communication history storage unit
206b stores the received rejection signal and communication destination code
I do. Control unit 208b communicates with communication control unit 205D.
When the permission signal is input, the non-permission signal is transmitted to the communication control unit 2.
01b. The communication control unit 201b includes the control unit 20
Communication of the disapproval signal input from 8b to the automatic transaction device 1D
Send via line. Communication controller of automatic transaction device 1D
106D receives the disapproval signal from the management device 2b
Then, the non-permission signal is output to the control unit 111D. control
The unit 111D receives the non-permission signal from the communication control unit 106D.
If you enter, it will be displayed that you can not do the transaction
The display data is output to the display unit 101. Display unit 101
Is input when display data is input from the control unit 111D.
The fact that transactions cannot be performed according to the display data
Display more and notify the user. In addition, automatic transaction device 1D
The control unit 111D receives the permission from the communication control unit 106D.
The signal is input and the amount data is output to the bill payment mechanism 105.
To eject the card from the card reader.
Cash and card inside the automatic transaction device 1D
Transactions may not be performed reliably for such reasons.
In this case, the control unit 111D cancels the transaction.
Instruction, communication destination code, card data, transaction code
And a cancellation signal including the transaction amount is output. Communication control unit
106D receives the cancellation signal from the control unit 111D
And the management device 2 according to the communication procedure stored in advance.
b to perform a connection operation of the communication line with the management device 2b.
When the communication line is connected, the data is input from the control unit 111D.
Transmitting a cancellation signal to the management device 2b via the communication line.
After that, disconnect the communication line. Communication control unit of management device 2b
201b receives the cancellation signal from the automatic transaction device 1D
Then, the cancellation signal is output to the control unit 208b. control
The unit 208b receives the cancel signal from the communication control unit 201b.
Input, the destination code included in the cancellation signal is lost.
Make sure that it is one of these financial institutions. here,
The communication destination code is the financial institution code of the financial institution D.
Therefore, the cancellation signal is output to the communication control unit 205D. Through
The communication control unit 205D receives the cancellation signal from the control unit 208a.
After inputting, money is stored in accordance with the communication procedure stored in advance.
Instruction to the processing unit 5D of the financial institution D, card data,
Send a cancellation signal containing the discount code and the transaction amount. This and
Communication history storage section 206b stores the cancellation signal.
You. The first communication control unit 501D of the financial institution D performs communication
Upon receiving a cancellation signal from the management device 2b via the line,
The cancellation signal is output to control section 505D. Control unit 50
5D receives the cancel signal from the first communication control unit 501D.
If you press the key, the financial
Check which institution code belongs to which financial institution
You. The financial institution code in the card data is financial institution F
Since it is an institution code, the control unit 505D issues a cancellation instruction,
Cancel signal including card data, transaction code, transaction amount
Output to the second communication control unit 503D. Second communication control
The unit 503D receives the cancellation signal from the control unit 505D.
Then, the financial institution of the card data included in the cancellation signal
It is stored in the communication procedure storage unit 502D based on the code.
Financial procedures corresponding to the relevant financial institution code
The communication procedure with the institution, that is, the communication procedure with the financial institution F
Read and follow the read communication procedure
Communication with the processing unit 5F of the financial institution F via the network 4
Perform the connection operation of the communication line. And the processing equipment of the financial institution F
When the communication line with the device 5F is connected, the financial institution F
A cancellation signal is transmitted to the processing device 5F. Financial institution F communication
The control unit 503F transmits money via the financial institution network 4.
Upon receiving the cancellation signal from the processing device 5D of the fusion engine D,
The cancellation signal is output to control unit 505F. Control unit 50
5F receives the cancellation signal from the communication control unit 503F.
And the account number of the card data included in the cancellation signal
It is determined whether or not it is stored in the account data storage unit 504F.
Refuse. The account number of the card data is stored in the account data
If stored in the section 504F, the account data storage section
504F, including card data, transaction code, transaction amount
Output the cancellation data. Account data storage unit 504F
Is input when the cancellation data from the control unit 505F is input.
As the account number of the card data included in the cancellation data
Among the stored transaction data, it matches the cancellation data
To clear the latest transaction data. In this case, automatic trading
The control unit 111D of the device 1D further includes an automatic transaction device
Identification information, card data, transaction code
Card, transaction amount, cash or card jam, etc.
Transaction data containing a code indicating that no discount was made
Is output to the communication control unit 106D. Communication control unit 106D
When the transaction data from the control unit 111D is input,
The connection operation of the communication line with the management device 2 b is performed, and the management device 2 b
When the communication line with b is connected, manage the transaction data
To the device 2b and disconnect the communication line with the management device 2b.
You. The communication control unit 201b of the management device 2b
When the transaction data from the device 1D is received, the transaction data
Is output to the control unit 208b. The control unit 208b communicates
When the transaction data from the control unit 201b is input,
Transaction data storage unit 202 in the first transaction.
Output to the index data storage unit. First transaction data storage unit
When the transaction data from the control unit 208b is input,
The transaction data is stored. 2. Cash to designated account
The transfer user of the cash to the account of the financial institution D is automatically
Transfer cash to the account of the financial institution D using the transaction device 1D
When the user enters the information, first, the user inputs the display unit 10 from the input unit 102.
Select "Cash transfer" from the transaction menu displayed in 1.
Select. Then, the input unit 102 selects “cash transfer”
Output a selection signal indicating that the
You.

When a selection signal is input from input unit 102, control unit 111D displays display data for displaying a message prompting the user to input the financial institution and account number of the transfer destination from input unit 102. Output to the unit 101.

When the display data is input from the control unit 111D, the display unit 101 displays a message prompting the user to select a transfer destination by text or drawing.

The user who sees this message enters the input unit 1
From 02, input the financial institution and account number of the transfer destination.

The input unit 102 controls the account number together with the financial institution code of the financial institution D selected by the user.
Output to D.

When the financial institution code and the account number are input from the input unit 102, the control unit 111D reads the communication destination code stored in the financial institution storage unit 107, and reads the communication destination code and the financial address from the input unit 102. Institution code,
A confirmation request signal including a transaction code indicating the content of the transaction selected by the user at the input unit 102 (in this case, “transfer of cash”) and an account number is output to the communication control unit 106D.

Upon receipt of the confirmation request signal from the control unit 111D, the communication control unit 106D performs a connection operation of a communication line with the management device 2b according to a communication procedure stored in advance, and communicates with the management device 2b. When the communication line is connected,
The confirmation request signal input from the control unit 111D is transmitted to the management device 2b via the communication line.

Upon receiving the confirmation request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the confirmation request signal to the control unit 208b. Control unit 20
8b, when the confirmation request signal from the communication control unit 201b is input, determines which financial institution the communication destination code included in the confirmation request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the confirmation request signal to the communication control unit 205D. Upon receiving the confirmation request signal from the control unit 208b, the communication control unit 205D sends a confirmation request signal including a financial institution code, a transaction code, and an account number to the processing device 5D of the financial institution D according to a communication procedure stored in advance. Send. At this time, the communication history storage unit 206b stores the confirmation request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the confirmation request signal from the management device 2b via the communication line, it outputs the confirmation request signal to the control unit 505D.

The control unit 505D is connected to the first communication control unit 50.
When the confirmation request signal from 1D is input, it is determined whether or not the financial institution code included in the confirmation request signal is the financial institution code of the financial institution D stored in advance. Since the financial institution code is the financial institution code of the financial institution D, it is next determined whether or not the account number included in the confirmation request signal is stored in the account data storage unit 504D.

When the account number included in the confirmation request signal is stored in the account data 504D, the first communication control unit 501D stores the account number in the account data 504D.
And outputs a confirmation signal to which the account number and the account name of the account number are assigned.

When the account number included in the confirmation request signal is not stored in account data 504D, control unit 505D stores the account number in account data 504D in first communication control unit 501D. A non-confirmation signal indicating that there is no data is output.

The first communication control unit 501D, to which the confirmation signal from the control unit 505D is input, transmits the confirmation signal to the management device 2b.

When the communication control unit 205D of the management device 2b receives the confirmation signal from the processing device 5D of the financial institution D,
The confirmation signal is output to the control unit 208b.

When receiving the confirmation signal from communication control section 205D, control section 208b outputs the confirmation signal to communication control section 201b.

The communication control unit 201b transmits the confirmation signal input from the control unit 208b to the automatic transaction apparatus 1D via a communication line.

The communication controller 106D of the automatic transaction apparatus 1D
Receives the confirmation signal from the management device 2b, and outputs the confirmation signal to the control unit 111D.

When the confirmation signal from communication control section 106D is input, control section 111D displays the account number assigned to the confirmation signal, the account name of the account number, and a message asking whether or not to transfer the account. Display data for causing the display unit 101 to be output.

The display unit 101, which has input the display data from the control unit 111D, displays a message urging the user to select whether or not to transfer the account.

The user who sees this message enters the input unit 1
02, select whether to make a transfer to the account or not.

Control unit 111D, which has input a selection not to make a transfer from input unit 102, outputs display data for displaying a message notifying that transfer is to be stopped to display unit 101.

The display unit 101 to which the display data has been input from the control unit 111D displays a message notifying that the transfer is to be stopped, and notifies the user that the transfer has been stopped.

Control unit 111D, which has input the selection to make a transfer from input unit 102, outputs display data for causing display unit 101 to display a message prompting the selection of the transaction amount.

Display unit 101, which has input the display data from control unit 111D, displays a message urging the user to select a transaction amount.

The user who sees this message enters the input unit 1
Enter the transaction amount from 02.

The control unit 111a, which has input the transaction amount from the input unit 102, outputs to the display unit 101 display data for displaying a message prompting the user to insert cash into the cash slot of the banknote depositing mechanism 104.

The display unit 101 to which the display data has been input displays a message urging the user to insert cash into the cash slot of the banknote depositing mechanism 104.

The user who sees this message puts cash into the cash slot of the banknote depositing mechanism 104.

The bill depositing mechanism 104 calculates the amount of cash inserted into the cash slot, outputs the calculated amount to the control unit 111D as amount data, and stores the inserted cash in a storage box.

The control unit 111D includes the bill depositing mechanism 104
Is input, the transaction code, account number, and transaction amount indicating the contents of the transaction (in this case, “cash transfer”) selected by the user at the input unit 102 are entered. Communication request signal including the transaction request signal
Output to 6D.

When the transaction request signal from control section 111D is input, communication control section 106D transmits the transaction request signal input from control section 111D to management device 2b via the communication line. When receiving the transaction request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction request signal to the control unit 208b.

When the transaction request signal from communication control unit 201 is input, control unit 208b determines which financial institution the communication destination code contained in the transaction request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 505D outputs the transaction request signal to the communication control unit 205D.

Communication control unit 205D transmits a transaction request signal including a financial institution code, a transaction code, an account number, and a transaction amount to processing unit 5D of financial institution D via a communication line. At this time, the communication history storage unit 206b stores the transaction request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the transaction request signal from the management device 2b via the communication line, it outputs the transaction request signal to the control unit 505D.

The control unit 505D is connected to the first communication control unit 50.
When the transaction request signal from 1D is input, it is determined whether or not the account number included in the transaction request signal is stored in account data storage unit 504D. When the account number included in the transaction request signal is stored in the account data storage unit 504D, the transaction data including the account number, transaction code, and transaction amount included in the transaction request signal is output to the account data storage unit 504D. Together with the first communication control unit 50
A permission signal indicating permission of the transaction is output to 1D.

The account data storage unit 504D includes the control unit 50
When the transaction data from 5D is input, the transaction data is stored as the transaction data of the account number included in the transaction data.

The first communication control unit 501D, which has received the permission signal from the control unit 505D, transmits the permission signal to the management device 2
b.

When the communication control unit 205D of the management device 2b receives the permission signal from the processing device 5D of the financial institution D,
The confirmation signal is output to the control unit 208b. At this time,
The communication history storage unit 206b stores the received permission signal and the communication destination code.

When receiving the permission signal from communication control section 205D, control section 208b outputs the permission signal to communication control section 201b.

Communication control section 201b transmits the permission signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication control section 106D of automatic transaction apparatus 1D
Receives the permission signal from the management device 2b, outputs the permission signal to the control unit 111D, and disconnects the communication line with the management device 2b.

When the control unit 111D receives the permission signal from the communication control unit 106D, the control unit 111D converts the transaction data including the identification information, the customer code, the account number, the transaction code, and the transaction amount given to each automatic transaction device in advance. Communication control unit 106D
Output to Further, the control unit 111D outputs display data to notify the user that the transaction has been made and the difference to be received on the display unit 101, and the bill payment mechanism 10
5 outputs the amount data for discharging the difference between the amount input to the cash slot and the transaction amount.

The bill payment mechanism 105 which has received the amount data from the control unit 111D takes out the cash corresponding to the amount data from the storage box and discharges the cash to the deposit / withdrawal port.

The display unit 101, which has input the display data from the control unit 111D, displays a message notifying the user that the transaction has been performed and receiving the difference.

The user who sees this message receives the cash discharged to the cash slot of the bill payment mechanism 105,
End the transaction.

When the transaction data is input from the control unit 111D, the communication control unit 106D performs a connection operation of a communication line with the management device 2b. When the communication line with the management device 2b is connected, the communication control unit 106D transmits the transaction data. The data is transmitted to the management device 2b, and the communication line with the management device 2b is disconnected.

When receiving the transaction data from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction data to the control unit 208b.

[0093] When the transaction data from communication control unit 201b is input, control unit 208b outputs the transaction data to the first transaction data storage unit constituting transaction data storage unit 202.

[0094] The first transaction data storage unit is a control unit 208.
When the transaction data from b is input, the transaction data is stored.

[0095] When the account number included in the transaction request signal is not stored in the account data storage unit 504D, the control unit 505D of the processing unit 5D of the financial institution D performs the first operation.
A confirmation impossible signal is output to the communication control unit 505D. First
When the communication uncontrollable signal from the control unit 505D is input, the communication control device 505D of
b.

When the communication control unit 205D of the management device 2b receives the unrecognizable signal from the processing device 5D of the financial institution D, it outputs the unrecognizable signal to the control unit 208b.

When receiving the unacceptable signal from communication control unit 205D, control unit 208b outputs the unacceptable signal to communication control unit 201b.

[0098] Communication control section 201b transmits the unconfirmable signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication control section 106D of automatic transaction apparatus 1D
When receiving the confirmation impossible signal from the management device 2b, the control unit 111D outputs the confirmation impossible signal to the control unit 111D.

[0100] When the confirmation unacceptable signal is input from communication control unit 106D, control unit 111D displays a message indicating that a transaction is not possible because the account at the transfer destination is not stored in account data storage unit 504D. Is output to the display unit 101 for display.

The display unit 101 to which the display data is input from the control unit 111D displays a message indicating that a transaction is not possible because the account at the transfer destination is not stored in the account data storage unit 504D. (2) Transfer of cash to the account of the financial institution F When the user transfers cash to the account of the financial institution F using the automatic transaction device 1D, the user is first displayed on the display unit 101 from the input unit 102. Select "Transfer of cash" from the transaction menu. Then, the input unit 102 outputs a selection signal indicating that “cash transfer” has been selected to the control unit 111.
Output to D.

When the selection signal from input unit 102 is input, control unit 111D displays display data for displaying a message prompting the user to input the financial institution and account number of the transfer destination from input unit 102. Output to the unit 101.

When the display data is input from the control unit 111D, the display unit 101 displays a message prompting the user to select a transfer destination by using characters or drawings.

The user who sees this message enters the input unit 1
From 02, input the financial institution and account number of the transfer destination.

The input section 102 outputs the account number input by the user to the control section 111D together with the financial institution code of the financial institution F selected by the user.

When the financial institution code and account number are input from input unit 102, control unit 111D reads the communication destination code stored in financial institution storage unit 107, and reads the communication destination code and the financial destination code from input unit 102. Institution code,
A confirmation request signal including a transaction code indicating the content of the transaction selected by the user at the input unit 102 (in this case, “transfer of cash”) and an account number is output to the communication control unit 106D.

Upon receiving the confirmation request signal from control unit 111D, communication control unit 106D performs a connection operation of a communication line with management device 2b according to a communication procedure stored in advance, and establishes a communication with management device 2b. When the communication line is connected,
The confirmation request signal input from the control unit 111D is transmitted to the management device 2b via the communication line.

When receiving the confirmation request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction request signal to the control unit 208b.

When receiving the confirmation request signal from communication control section 201b, control section 208b determines which financial institution the communication destination code contained in the confirmation request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the confirmation request signal to the communication control unit 205D.

When the confirmation request signal is input from the control unit 208b, the communication control unit 205D sends the financial institution code, the transaction code, and the transaction code to the processing unit 5D of the financial institution D via the communication line.
Send a confirmation request signal containing the account number. At this time, the communication history storage unit 206b stores the confirmation request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the confirmation request signal from the management device 2b via the communication line, it outputs the confirmation request signal to the control unit 505D.

The control unit 505D is connected to the first communication control unit 50.
When the confirmation request signal from 1D is input, it is determined whether or not the financial institution code included in the confirmation request signal is the financial institution code of the financial institution D stored in advance. Since the supplier code is the financial institution code of the financial institution F, the control unit 505D then sends a confirmation request signal including the financial institution code, account number, and transaction code to the second communication control unit 503.
Output to D.

The second communication control unit 503D includes the control unit 50
When the confirmation request signal from 5D is input, based on the financial institution code included in the confirmation request signal, of the communication procedure stored in communication procedure storage section 502D, the financial institution corresponding to the financial institution code corresponds to the financial institution code. The communication procedure with the processing device, that is, the communication procedure with the processing device 5FC of the financial institution F is read, and the connection operation of the communication line with the processing device 5F of the financial institution F via the financial institution network 4 according to the read communication procedure. I do. Then, when the communication line with the processing device 5F of the financial institution F is connected, a confirmation request signal is transmitted to the processing device 5F of the financial institution F.

The communication control unit 5 of the processing unit 5F of the financial institution F
When 03F receives the confirmation transaction request signal from the processing device 5D of the financial institution D via the financial network 4, the 03F outputs the confirmation request signal to 505F.

When receiving the confirmation request signal from communication control section 503F, control section 505F determines whether or not the account number included in the confirmation request signal is stored in account data storage section 504F.

If the account number included in the confirmation request signal is stored in account data storage section 504F, communication control section 503F stores the account number in account data storage section 5F.
04F, and outputs a confirmation signal with the account number and the account name of the account number.

If the account number included in the confirmation request signal is not stored in account data storage section 504F, the communication control section 503F stores the account number in account data storage section 5F.
A non-confirmation signal indicating that it is not stored in 04F is output.

Communication control section 503F to which the confirmation signal has been input
Transmits the confirmation signal to the second communication control unit 503D of the processing device 5D of the financial institution D via the financial network 4.

Communication control section 503D receiving the confirmation signal
Outputs the confirmation signal to the control unit 505D.

[0120] The control unit 505D to which the confirmation signal is input outputs the confirmation signal to the first communication control unit 501D.

The first communication control unit 501D, to which the confirmation signal is input from the control unit 505D, transmits the confirmation signal to the management device 2
b.

When the communication control unit 205D of the management device 2b receives the confirmation signal from the processing device 5D of the financial institution D,
The confirmation signal is output to the control unit 208b.

When the confirmation signal from communication control section 205D is input, control section 208b outputs the confirmation signal to communication control section 201b.

Communication control section 201b transmits the confirmation signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication controller 106D of automatic transaction apparatus 1D
Receives the confirmation signal from the management device 2b, and outputs the confirmation signal to the control unit 111D.

When the confirmation signal from communication control unit 106D is input, control unit 111D displays the account number assigned to the confirmation signal, the account name of the account number, and a message asking whether to transfer the account. Display data for causing the display unit 101 to be output.

[0127] Display unit 101, which has input the display data from control unit 111D, displays a message urging the user to select whether or not to make a transfer to this account.

The user who sees this message enters the input unit 1
02, select whether to make a transfer to the account or not.

The control unit 111D, which has input the selection not to make a transfer from the input unit 102, terminates the transfer process and outputs display data for displaying a message notifying that the transfer is to be stopped to the display unit 101. I do.

The display unit 101 to which the display data has been input from the control unit 111D displays a message notifying that the transfer has been stopped, and notifies the user that the transfer has been stopped.

Control unit 111D, which has input the selection to make a transfer from input unit 102, outputs display data for displaying message prompting selection of the transaction amount on display unit 101.

[0132] Display unit 101 which has input the display data from control unit 111D displays a message urging the user to select a transaction amount.

[0133] The user who saw this message enters the input unit 1
Enter the transaction amount from 02.

The control unit 111D, which has input the transaction amount from the input unit 102, outputs to the display unit 101 display data for displaying a message prompting the user to insert cash into the cash slot of the banknote depositing mechanism 104.

The display unit 101 to which the display data has been input displays a message prompting the user to insert cash into the cash slot of the banknote depositing mechanism 104.

The user who sees this message puts cash into the cash slot of the banknote depositing mechanism 104.

The bill depositing mechanism 104 calculates the amount of cash inserted into the cash slot, outputs the calculated amount to the control unit 111D as amount data, and stores the inserted cash in a storage box.

The control unit 111D includes a bill depositing mechanism 104
Is input, the transaction code, account number, and transaction amount indicating the contents of the transaction (in this case, “cash transfer”) selected by the user at the input unit 102 are entered. Communication request signal including the transaction request signal
Output to 6D.

Upon receiving the transaction request signal from control unit 111D, communication control unit 106D transmits the transaction request signal to management device 2b via the communication line. Management device 2b
When the communication control unit 201b receives the transaction request signal from the automatic transaction device 1D, the communication control unit 201b transmits the transaction request signal to the control unit 20.
8b.

When the transaction request signal from communication control section 201b is input, control section 208b determines which financial institution the communication destination code contained in the transaction request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the transaction request signal to the communication control unit 205D.

The communication control unit 205D transmits a transaction request signal including a financial institution code, a transaction code, an account number, and a transaction amount to the processing device 5D of the financial institution D via the communication line. At this time, the communication history storage unit 206b stores the transaction request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the transaction request signal from the management device 2b via the communication line, it outputs the transaction request signal to the control unit 505D.

The control unit 505D is the first communication control unit 50
When the transaction request signal from 1D is input, it is confirmed whether the financial institution code included in the transaction request signal is a previously stored financial institution code. Since the supplier code is the financial institution code of financial institution F, control unit 505D outputs a transaction request signal including the financial institution code, account number, transaction code, and transaction amount to second communication control unit 503D.

The second communication control unit 503D includes the control unit 50
When the transaction request signal from 5D is input, the transaction request signal is transmitted to the processing unit 5F of the financial institution F via the financial network 4.

Communication control unit 5 of processing unit 5F of financial institution F
03F, upon receiving a transaction request signal from the processing device 5D of the financial institution D via the financial network 4, outputs the transaction request signal to the control unit 505F. The control unit 505F receives the transaction request signal from the communication control unit 503F,
It is determined whether or not the account number included in the transaction request signal is stored in account data storage unit 504F. As a result, if the account number included in the transaction request signal is not stored in account data storage section 504F, a non-permission signal not permitting the transaction is output to communication control section 503F. If the account number included in the transaction request signal is stored in account data storage unit 504F, communication control unit 5
A permission signal indicating that the transaction is permitted is output to 03F, and an account number included in the transaction request signal,
The transaction data including the transaction code and the transaction amount is output to the account data storage unit 504F.

[0146] When the transaction data from the control unit 505F is input, the account data 504F stores the transaction data as the transaction data corresponding to the account number included in the transaction data.

Upon receiving the permission signal from the control unit 505F, the communication control unit 503F transmits the permission signal to the processing device 5A of the financial institution A via the financial institution network 4.

When the second transmission / reception unit 503D of the processing unit 5D of the financial institution D receives the permission signal from the processing unit 5F of the financial institution F via the financial institution network 4, the second transmission / reception unit 503D outputs the permission signal to the control unit 505D. At the same time, the communication line with the processing device 5F of the financial institution F is disconnected.

The control unit 505D is connected to the second communication control unit 50.
When the permission signal from the 3D is input, the permission signal is transmitted to the first
To the communication control unit 501D.

The first communication control unit 501D, which has received the permission signal from the control unit 505D, transmits the permission signal to the management device 2
b.

When the communication control unit 205D of the management device 2b receives the permission signal from the processing device 5D of the financial institution D,
The permission signal is output to the control unit 208b. At this time,
The communication history storage unit 206b stores the received permission signal and the communication destination code.

Upon receiving the permission signal from communication control section 205D, control section 208b outputs the permission signal to communication control section 201b.

Communication control section 201b transmits the permission signal input from control section 208b to automatic transaction device 1D via a communication line.

Communication controller 106D of automatic transaction apparatus 1D
Receives the permission signal from the management device 2b, outputs the permission signal to the control unit 111D, and disconnects the communication line with the management device 2b.

When the permission signal from communication control unit 106D is input, control unit 111D transmits the transaction data including the identification information, supplier code, account number, transaction code, and transaction amount, which are given in advance to each automatic transaction device. Output. In addition, the control unit 111D outputs display data notifying the user that the transaction has been performed and the difference to be received on the display unit 101, and also displays the amount of money inserted into the cash slot and the transaction amount in the bill payment mechanism 105. Outputs the amount data to discharge the difference of.

[0156] The bill payment mechanism 105 which has received the amount data from the control unit 111D takes out the cash corresponding to the amount data from the storage box and discharges the cash to the cash slot.

[0157] The display unit 101, which has received the display data from the control unit 111D, displays a message informing the user that the transaction has been performed and to receive the difference.

The user who sees this message receives the cash discharged to the cash slot of the bill payment mechanism 105,
End the transaction.

When the transaction data from control unit 111D is input, communication control unit 106D performs a connection operation of a communication line with management device 2b. When the communication line with management device 2b is connected, communication control unit 106D transmits the transaction data. The data is transmitted to the management device 2b, and the communication line with the management device 2b is disconnected.

Upon receiving the transaction data from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction data to the control unit 208b.

[0161] When the transaction data from communication control unit 201b is input, control unit 208b outputs the transaction data to the first transaction data storage unit constituting transaction data storage unit 202.

[0162] The first transaction data storage unit is a control unit 208.
When the transaction data from b is input, the transaction data is stored.

[0163] If the account number included in the transaction request signal is not stored in account data storage unit 504F, control unit 505F of processing unit 5F of financial institution F outputs a confirmation disable signal to communication control unit 503F. I do. Control unit 50
Communication control unit 503F to which the confirmation impossible signal from 5F is input
Transmits the confirmation-impossible signal to the second communication control unit 503D of the processing device 5D of the financial institution D via the financial network 4.

Communication control section 503 that has received the confirmation-impossible signal
D outputs the unconfirmable signal to the control unit 505D.

Control unit 505D to which the unconfirmable signal is input
Outputs the confirmation impossible signal to the first communication control unit 501D.

The first communication control unit 501D, to which the confirmation impossible signal from the control unit 505D has been input, transmits the confirmation impossible signal to the management device 2b.

Upon receiving the confirmation impossible signal from the processing device 5D of the financial institution D, the communication control unit 205D of the management device 2b outputs the confirmation impossible signal to the control unit 208b.

[0168] When the confirmation impossible signal is input from the communication control unit 205D, the control unit 208b outputs the confirmation impossible signal to the communication control unit 201b.

Communication control section 201b transmits the unconfirmable signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication controller 106D of automatic transaction apparatus 1D
When receiving the confirmation impossible signal from the management device 2b, the control unit 111D outputs the confirmation impossible signal to the control unit 111D.

[0171] When the confirmation impossible signal is input from the communication control unit 106D, the control unit 111D displays a message indicating that a transaction is not possible because the account at the transfer destination is not stored in the account data storage unit 504F. Is output to the display unit 101 for display.

The display unit 101 to which the display data has been input from the control unit 111D displays a message indicating that a transaction is not possible because the account at the transfer destination is not stored in the account data storage unit 504F. (3) Transfer from the financial institution D to the financial institution D (own bank to own bank) A user holding a card of the financial institution D uses a card issued by the financial institution D in advance and uses the automatic transaction device 1D.
When performing a transfer from the account of the financial institution D corresponding to the card to another account of the financial institution D, first, the user selects, from the transaction menu displayed on the display unit 101 from the input unit 102, “ Select "Transfer". Then, the input unit 10
2 outputs a selection signal indicating that “transfer” has been selected to the control unit 111D.

When the selection signal from the input unit 102 is input, the control unit 111D displays a message for prompting the user to insert a card, input a personal identification number, input a transfer amount, a transfer destination financial institution, and an account number. The display data is output to the display unit 101.

When the display data is input from the control unit 111D, the display unit 101 displays a message prompting the user to insert a card, input a personal identification number, select a transfer amount, a transfer destination financial institution, and a transfer destination account number. Display by text or figure.

The user who sees this message inserts his / her own card into the card reader, and inputs the personal identification number, transfer amount, transfer destination financial institution and transfer destination account number corresponding to the inserted card from the input unit 102. I do.

Card reader 103 with inserted card
Reads the data recorded on the card and reads the data
Output to 1D. Further, the input unit 102 outputs the personal identification number and the transfer amount input by the user, the financial institution code and account number of the financial institution selected by the user to 111D.

When card data, a password, a transfer amount, a transfer destination financial institution code, and an account number are input from the card reader 103 and the input unit 102, the control unit 111D communicates with the communication unit stored in the financial institution storage unit 107. Read the destination code. Then, the control unit 111D outputs a confirmation request signal including the communication destination code, the transaction code, the card data, the personal identification number, the transfer destination financial institution code, the transfer destination account number, and the transaction amount to the communication control unit 106D.

Upon receiving the confirmation request signal from control unit 111D, communication control unit 106D transmits the confirmation request signal to management device 2b via the communication line.

Upon receiving the confirmation request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the confirmation request signal to the control unit 208b.

Upon receiving the confirmation request signal from communication control section 201b, control section 208b determines which financial institution the communication destination code contained in the confirmation request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the confirmation request signal to the communication control unit 205D.

When the confirmation request signal is input from the control unit 208b, the communication control unit 205D transmits the confirmation request signal to the processing device 5D of the financial institution D via the communication line. At this time, the communication history storage unit 206b stores the confirmation request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the confirmation request signal from the management device 2b via the communication line, it outputs the confirmation request signal to the control unit 505D.

The control unit 505D includes the first communication control unit 50
When the confirmation request signal from 1D is input, it is confirmed which financial institution code the financial institution code and the transfer destination financial institution code of the card data contained in the confirmation request signal indicate. Here, since both the financial institution code of the card data and the financial institution code of the transfer destination are the financial institution codes of the financial institution D, the control unit 505D next stores the account number of the card data in the account data storage unit 5
It is determined whether or not the password is stored in 04D, and whether or not the password included in the confirmation request signal is stored in account data storage unit 504D as a password corresponding to the account number of the card data.

The account number of the card data is stored in account data storage section 504D, and the password included in the confirmation request signal is stored in account data storage section 504D as a password corresponding to the account number of the card data. If it has been stored, the control unit 505D compares the transaction amount with the transaction amount of the account and determines whether the transaction amount is greater than the transaction amount.

The control unit 505D stores the transfer destination account number contained in the confirmation request signal in the account data storage unit 504.
It is determined whether D is stored.

When the account number of the card data is not stored in account data storage unit 504D, control unit 505D determines that the password included in the confirmation request signal is the account number corresponding to the account number of the card data. If it is not stored in the data storage unit 504D, if the transaction amount is smaller than the transaction amount, if the transfer destination account number is not stored in the account data storage unit 504D,
When any one of the above conditions is satisfied, a non-confirmation signal with an error code corresponding to each case is output to the first communication control unit 501D.

The account number of the card data is stored in account data storage section 504D, and the password included in the confirmation request signal is stored in account data storage section 504D as a password corresponding to the account number of the card data. When the transferable account number is larger than the transaction amount and the transfer destination account number is stored in the account data storage unit 504D, the control unit 505D transmits the first communication control unit 501D.
Then, a confirmation signal including card data, a password, a transaction code, a transfer destination financial institution code, a transfer destination account number, a transfer destination account name, and a transaction amount is output.

The first communication control unit 501d, to which the confirmation signal is input from the control unit 505D, transmits the confirmation signal to the management device 2
b.

When the communication control unit 205D of the management device 2b receives the confirmation signal from the processing device 5D of the financial institution D,
The confirmation signal is output to the control unit 208b.

When receiving the confirmation signal from communication control section 205D, control section 208b outputs the confirmation signal to communication control section 201b. At this time, the communication history storage unit 206
b stores the confirmation signal and the communication destination code.

Communication control section 201b transmits the confirmation signal input from control section 208b to automatic transaction device 1D via a communication line.

Communication controller 106D of automatic transaction apparatus 1D
Receives the confirmation signal from the management device 2b, and outputs the confirmation signal to the control unit 111D.

When the confirmation signal from communication control section 106D is input, control section 111D issues a message asking whether the account number given to the confirmation signal, the account name of the account number, and whether to make a transfer to this account. Is output to the display unit 101 for displaying.

[0194] Display unit 101 which has input the display data from control unit 111D displays a message urging the user to select whether or not to transfer the account.

The user who saw this message enters the input unit 1
From 02, either transfer to the account or not transfer is selected.

When the user selects to make a transfer, the control unit 111D, which inputs the selection to make a transfer from the input unit 102, sets the card data, personal identification number, transaction code, transfer destination financial institution code, transfer destination account. The number and the transaction amount are output to the communication control unit 106D as a transaction request signal.

Upon receiving the transaction request signal from control unit 111D, communication control unit 106D transmits the transaction request signal input from control unit 111D to management device 2b via the communication line.

Upon receiving the transaction request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction request signal to the control unit 208b.

Control unit 208b, upon receiving the transaction request signal from communication control unit 201b, determines which financial institution the communication destination code contained in the transaction request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the transaction request signal to the communication control unit 205D.

Upon receiving the transaction request signal from control unit 208D, communication control unit 205D transmits the transaction request signal to processing device 5D of financial institution D via the communication line.
At this time, the communication history storage unit 206b stores the transaction request signal and the communication destination code. When receiving the transaction request signal from the management device 2b via the communication line, the first communication control unit 501D of the processing device 5D of the financial institution D outputs the transaction request signal to the control unit 505D. Control unit 50
5D, when a transaction request signal from the first communication control unit 501D is input, the financial institution code and the transfer destination financial institution code of the card data included in the transaction request signal are financial institution codes indicating which financial institution. Make sure. Here, since both the financial institution code of the card data and the financial institution code of the transfer destination are the financial institution code of the financial institution D, the control unit 505D next stores the account number of the card data in the account data storage unit 504D. It is determined whether or not it is stored, and whether or not the password included in the transaction request signal is stored in the account data storage unit 504D as a password corresponding to the account number of the card data.

The account number of the card data is stored in account data storage section 504D, and the password included in the transaction request signal is stored in account data storage section 504D as a password corresponding to the account number of the card data. If it has been stored, the control unit 505D compares the transaction amount with the transaction amount of the account and determines whether the transaction amount is greater than the transaction amount.

The control unit 505D stores the account number of the transfer destination included in the transaction request signal in the account data storage unit 504.
It is determined whether D is stored.

If the account number of the card data is not stored in account data storage unit 504D, control unit 505D determines that the password included in the transaction request signal is the password corresponding to the account number of the card data. If it is not stored in the data storage unit 504D, if the transaction amount is smaller than the transaction amount, if the transfer destination account number is not stored in the account data storage unit 504D,
When any one of the above conditions is satisfied, a non-permission signal provided with an error code corresponding to each case is output to the first communication control unit 501D. The account number of the card data is stored in the account data storage unit 504D, and the password included in the transaction request signal is used as the password corresponding to the account number of the card data.
D, the transferable account number is larger than the transaction amount, and the transfer destination account number is stored in the account data storage unit 504D, the control unit 505D sends a permission signal to the first communication control unit 501D. Output. The transaction data including the card data, the transaction code, the transfer destination financial institution code, the transfer destination account number, and the transaction amount is stored in the account data storage unit 50.
Output to 4D.

[0204] The account data storage unit 504D includes the control unit 50.
When the transaction data from 5D is input, the transaction data is stored as the transaction data of the account number of the card data included in the transaction data, and the transaction data is also stored in the transfer destination account.

The first communication control unit 501D is
When the permission signal from 5D is input, the permission signal is transmitted to the management device 2b via the communication line.

When the communication control unit 205D of the management device 2b receives the permission signal from the processing device 5D of the financial institution D,
The permission signal is output to the control unit 208b. At this time,
The communication history storage unit 206b stores the received permission signal and the communication destination code.

Upon receiving the permission signal from communication control section 205D, control section 208b outputs the permission signal to communication control section 201b.

Communication control section 201b transmits the permission signal input from control section 208b to automatic transaction device 1D via a communication line.

Communication controller 106D of automatic transaction device 1D
Receives the permission signal from the management device 2b, outputs the permission signal to the control unit 111b, and disconnects the communication line with the management device 2b.

When the permission signal from communication control unit 106D is input, control unit 111D provides identification information, card data, transaction code, transfer destination financial institution code, Output transaction data including the transfer destination account number and transaction amount. Further, control unit 111D outputs display data for notifying the user that a transaction has been made to display unit 101. The control unit 111D causes the card ejection unit of the card reader 103 to eject the card.

[0211] When the display data is input from the control unit 111D, the display unit 101 displays the fact that the transaction has been performed in accordance with the display data by using characters or figures and notifies the user. Further, the card reader 103 ejects the inserted card.

The user checks the contents displayed on the display unit 101 and takes out the card ejected from the card reader 103.

[0213] When transaction data is input from the control unit 111D, the communication control unit 106D transmits the transaction data to the management device 2D.
b.

Upon receiving the transaction data from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction data to the control unit 208b.

[0215] When transaction data is input from communication control section 201b, control section 208b outputs the transaction data to the first transaction data storage section constituting transaction data storage section 202.

[0216] The first transaction data storage unit is a control unit 208.
When the transaction data from b is input, the transaction data is stored.

Note that the first communication control unit 50 of the financial institution D
When receiving a confirmation impossible signal or a non-permission signal from the control unit 505D, the 1D transmits the confirmation impossible signal or the non-permission signal to the management device 2b via the communication line.

[0218] When the communication control unit 205D of the management device 2b receives the confirmation impossible signal or the non-permission signal from the processing device 5D of the financial institution D, it outputs the confirmation non-permission signal or the non-permission signal to the control unit 208b. At this time, the communication history storage unit 206b stores the received unrecognizable signal or non-permitted signal and the communication destination code.

[0219] When receiving the confirmation impossible signal or the non-permission signal from the communication control unit 205D, the control unit 208b outputs the confirmation non-permission signal or the non-permission signal to the communication control unit 201b.

[0220] Communication control section 201b transmits the confirmation impossible signal or the non-permission signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication controller 106D of automatic transaction device 1D
When receiving the confirmation impossible signal or the non-permission signal from the management device 2b, the device outputs the confirmation non-permission signal or the non-permission signal to the control unit 111D.

[0222] When the confirmation impossible signal or the non-permission signal is input from the communication control unit 106D, the control unit 111D outputs display data to the display unit 101 for displaying that the transaction cannot be performed for the reason indicated by the error code. At the same time, the card inserted into the card ejection section of the card reader 103 is ejected. The display unit 101 includes the control unit 11
When the display data from the 1D is input, the fact that the transaction cannot be performed in accordance with the display data is displayed in characters or diagrams to notify the user. The card ejection unit of the card reader 103 ejects the inserted card. (3) Transfer from the financial institution D to the financial institution F (own bank to another bank) A user holding a card of the financial institution D uses the card issued by the financial institution D in advance and uses the automatic transaction device 1D.
When transferring from the account of the financial institution D corresponding to the card to the account of the financial institution F by using the card, first, the user selects “transfer” from the transaction menu displayed on the display unit 101 from the input unit 102. Select Then, the input unit 102 outputs a selection signal indicating that “transfer” has been selected to the control unit 11.
Output for 1D.

When a selection signal from input unit 102 is input, control unit 111D displays a message for prompting the user to insert a card, input a personal identification number, input a transfer amount, a transfer destination financial institution, and an account number. The display data is output to the display unit 101.

When the display data from the control unit 111D is input, the display unit 101 displays a message prompting the user to insert a card, input a personal identification number, select a transfer amount, a transfer destination financial institution, and a transfer destination account number. Display by text or figure.

The user who sees this message inserts his / her card into the card reader 103, and
PIN corresponding to the card inserted from 2, transfer amount,
Enter the transfer destination financial institution and transfer destination account number.

Card reader 103 with inserted card
Reads the data recorded on the card and reads the data
Output to 1D. Further, the input unit 102 outputs the personal identification number and the transfer amount input by the user, the financial institution code and account number of the financial institution selected by the user to 111D.

When the card data, the password, the transfer amount, the transfer destination financial institution code, and the transfer destination account number are input from the card reader 103 and the input unit 102, the control unit 111D is stored in the financial institution storage unit 107. Read the communication destination code. Then, the communication destination code, transaction code, card data, personal identification number, transfer destination financial institution code,
The confirmation request signal including the transfer destination account number and the transaction amount is output to the communication control unit 106D.

Upon receiving the confirmation request signal from control unit 111D, communication control unit 106D transmits the confirmation request signal to management device 2b via the communication line.

Upon receiving the confirmation request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the confirmation request signal to the control unit 208b.

Upon receiving the confirmation request signal from communication control section 201b, control section 208b confirms which financial institution the communication destination code contained in the confirmation request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the confirmation request signal to the communication control unit 205D.

Upon receiving the confirmation request signal from the control unit 208b, the communication control unit 205D sends the card data, personal identification number, transaction code, transfer destination financial institution code, transfer destination to the processing unit 5D of the financial institution D via the communication line. A confirmation request signal including the destination account number and the transaction amount is transmitted. At this time, the communication history storage unit 206b stores the confirmation request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the confirmation request signal from the management device 2b via the communication line, it outputs the confirmation request signal to the control unit 505D.

The control unit 505D includes the first communication control unit 50
When the confirmation request signal from 1D is input, it is confirmed whether or not the financial institution code of the card data included in the confirmation request signal is the financial institution code of financial institution D. Since the financial institution code of the card data is the financial institution code of financial institution D, control unit 505D next determines whether or not the account number of the card data is stored in account data storage unit 504D, and a confirmation request signal. Is determined in the account data storage unit 504D as a password corresponding to the account number.

The account number of the card data is stored in account data storage section 504D, and the password included in the confirmation request signal is stored in account data storage section 504D as a password corresponding to the account number. In this case, the control unit 505D compares the transaction amount of the account with the transaction amount and determines whether the transaction amount is larger than the transaction amount.

Further, control unit 505D confirms the transfer destination financial institution code included in the confirmation request signal. Since the transfer destination financial institution code is the financial institution code of the financial institution F, the control unit 505D sends a transaction request signal including the transfer destination financial institution code, the transfer destination account number, and the transaction code to the second communication control unit 503D. Output.

The second communication control unit 503 D
When the confirmation request signal from 5D is input, based on the transfer destination financial institution code included in the confirmation request signal, the communication procedure corresponding to the financial institution code in the communication procedure stored in communication procedure storage section 502D. The communication procedure with the financial institution, that is, the communication procedure with the processing device 5F of the financial institution F is read,
According to the read communication procedure, the financial institution network 4
The connection operation of the communication line with the processing device 5F of the financial institution F is performed via the. Then, when the communication line with the processing device 5F of the financial institution F is connected, the processing device 5F of the financial institution F is connected.
To send a confirmation request signal.

[0237] The communication control unit 503F of the financial institution F communicates with the processing unit 5D of the financial institution D via the financial institution network 4.
When the confirmation request signal is received from the control unit 505F, the confirmation request signal is output to the control unit 505F.

When receiving the confirmation request signal from communication control section 503F, control section 505F confirms whether or not the transfer destination financial institution code included in the confirmation request signal matches the own financial institution code, and checks the transfer destination account number. Is the account data storage unit 5
It is determined whether or not the information is stored in 04F.

If the transfer destination account number is stored in account data storage section 504F, control section 505F outputs a confirmation signal including the transfer destination account name to communication control section 503F.

If the transfer destination account number is not stored in account data storage section 504F, control section 505F transmits a confirmation disable signal indicating that the transfer destination account number is not stored in communication control section 503F. Output to

The communication control unit 503F, to which the confirmation signal or the unrecognizable signal from the control unit 505F is input, transmits the input signal to the processing device 5D of the financial institution D via the financial institution network 4.

When the second communication control unit 503D of the processing device 5D of the financial institution D receives the confirmation signal or the unrecognizable signal from the processing device 5F of the financial institution F via the financial institution network 4, the second communication control unit 503D converts the received signal. Output to control unit 505D.

When the account number of the card data is not stored in account data storage unit 504D, storage unit 505D stores the account number as the password corresponding to the account number of the card data when the password included in the confirmation request signal is stored. If the transaction amount is not stored in the storage unit 504D and the transaction amount is smaller than the transaction amount, the second communication control unit 505
When any one of the three cases is satisfied, the first communication control unit 501D outputs a non-confirmation signal with an error code corresponding to each case.
Output to

The control unit 505D stores the account number of the card data in the account data storage unit 504D, and uses the password included in the confirmation request signal as the password corresponding to the account number of the card data. When the transaction amount stored in the data storage unit 504D is larger than the transaction amount and a confirmation signal is input from the second communication control unit 503D, the first communication control unit 501D
Then, a confirmation signal indicating that the transaction is possible is output.

The first communication control unit 501D, to which the confirmation signal or the non-confirmation signal is input from the control unit 505D, transmits the input signal to the management device 2b via the communication line.

When the communication control unit 205D of the management device 2b receives the confirmation signal or the confirmation-impossible signal from the processing device 5D of the financial institution D, it outputs the received signal to the control unit 208b.

When a confirmation signal or a confirmation-impossible signal is input from communication control section 205D, control section 208b outputs the input signal to communication control section 201b. At this time, the communication history storage unit 206 stores the confirmation signal or the non-confirmation signal and the communication destination code.

Communication control unit 201b transmits the confirmation signal or the confirmation unacceptable signal input from control unit 208b to automatic transaction device 1D via a communication line.

Communication controller 106D of automatic transaction device 1D
When receiving the confirmation signal or the confirmation impossible signal from the management device 2b, the device outputs the received signal to the control unit 111D.

When the confirmation signal is input from communication control section 106D, control section 111D transmits the account number assigned to the confirmation signal, the account name of the account number, and a message asking whether or not to transfer the account. The display data to be displayed is output to the display unit 101.

[0251] Display unit 101 which has input the display data from control unit 111D displays a message urging the user to select whether or not to transfer the account.

[0252] The user who saw this message enters the input unit 1
From 02, either transfer to the account or not transfer is selected.

When the user selects to make a transfer, the control unit 111D, which has input the selection to make a transfer from the input unit 102, sends the card data, personal identification number, transaction code, transfer destination financial institution code, transfer destination account. The number and the transaction amount are output to the communication control unit 106D as a transaction request signal.

Upon receiving the transaction request signal from control unit 111D, communication control unit 106D transmits the transaction request signal input from control unit 111D to management device 2b via the communication line.

When receiving the transaction request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction request signal to the control unit 208b. Control unit 20
8b, when the transaction request signal from the communication control unit 201b is input, determines which financial institution the communication destination code included in the transaction request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 2
08b outputs the transaction request signal to the communication control unit 205D.

The communication control unit 205D transmits a transaction request signal to the processing device 5D of the financial institution D via the communication line.
At this time, the communication history storage unit 206b stores the transaction request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the transaction request signal from the management device 2b via the communication line, it outputs the transaction request signal to the control unit 505D. When the transaction request signal from the first communication control unit 501D is input, the control unit 505D checks whether the financial institution code of the card data included in the transaction request signal is the financial institution code of the financial institution D. .
Since the financial institution code of the card data is the financial institution code of financial institution D, control unit 505D next determines whether or not the account number of the card data is stored in account data storage unit 504D, and a confirmation request signal. Is determined in the account data storage unit 504D as a password corresponding to the account number.

The account number of the card data is stored in account data storage section 504D, and the password included in the transaction request signal is stored in account data storage section 504D as a password corresponding to the account number. In this case, the control unit 505D compares the transaction amount of the account with the transaction amount and determines whether the transaction amount is larger than the transaction amount.

Further, control unit 505D confirms the transfer destination financial institution code included in the transaction request signal. Since the transfer destination financial institution code is the financial institution code of the financial institution F, the control unit 505D outputs the transaction request signal to the second communication control unit 503D.

The second communication control unit 503D is
When the transaction request signal from 5D is input, based on the transfer destination financial institution code included in the transaction request signal, the communication procedure corresponding to the financial institution code in the communication procedure stored in the communication procedure storage unit 502D. The communication procedure with the financial institution, that is, the communication procedure with the processing device 5F of the financial institution F is read,
According to the read communication procedure, the financial institution network 4
The connection operation of the communication line with the processing device 5F of the financial institution F is performed via the. Then, when the communication line with the processing device 5F of the financial institution F is connected, the processing device 5F of the financial institution F is connected.
Send a transaction request signal to

The communication control unit 503F of the financial institution F is connected to the processing unit 5D of the financial institution D via the financial institution network 4.
When the transaction request signal is received from the control unit 505F, the transaction request signal is output to the control unit 505F.

When the transaction request signal from communication control unit 503F is input, control unit 505F checks whether the transfer destination financial institution code included in the transaction request signal matches the own financial institution code, and checks the transfer destination account number. Is the account data storage unit 5
It is determined whether or not the information is stored in 04F. Control unit 50
5F indicates that the transfer destination account number is the account data storage unit 504.
If the transaction request signal is stored in the transaction request signal, the permission signal for permitting the transaction is output to the communication control unit 503F, and the card data, transaction code, and transfer destination account number included in the transaction request signal are transmitted to the account data storage unit 504F. And output transaction data including the transaction amount. Account data storage unit 504F
When the transaction data is input from the control unit 505F, the transaction data is stored as the transaction data of the transfer destination account number included in the transaction data.

When the transfer destination account number is not stored in account data storage section 504F, control section 505F outputs a non-permission signal indicating that the transaction is not permitted to communication control section 503F.

The communication control unit 503F to which the permission signal or the non-permission signal has been input from the control unit 505F transmits the input signal to the processing device 5D of the financial institution D via the financial institution network 4.

When the second communication control unit 503D of the processing unit 5D of the financial institution D receives a permission signal or a non-permission signal from the processing unit 5F of the financial institution F via the financial institution network 4, the second communication control unit 503D converts the received signal. Output to control unit 505D.

When the account number of the card data is not stored in account data storage unit 504D, storage unit 505D stores the account number as the password corresponding to the account number of the card data in the account data. If the transaction amount is not stored in the storage unit 504D and the transaction amount is smaller than the transaction amount, the second communication control unit 505
When any one of the cases where the confirmation-impossible signal is input from 03D is satisfied, an unpermission signal with an error code corresponding to each case is output to the first communication control unit 501D.

Note that the control unit 505D stores the account number of the card data in the account data storage unit 504D, and uses the password included in the confirmation request signal as the password corresponding to the account number of the card data. When the transaction amount stored in the data storage unit 504D is larger than the transaction amount and a confirmation signal is input from the second communication control unit 503D, the first communication control unit 501D
Output a permission signal indicating that the transaction is possible, and output card data, a transaction code, a transfer destination account number, and transaction data included in the transaction request signal to the account data storage unit 504D. I do. When the transaction data from the control unit 505D is input, the account data storage unit 504D stores the transaction data as the transaction data of the account number of the card data included in the transaction data.

The first communication control unit 501D to which the permission signal or the non-permission signal has been input from the control unit 505D transmits the input signal to the management device 2b via the communication line.

When receiving the permission signal or the non-permission signal from the processing device 5D of the financial institution D, the communication control unit 205D of the management device 2b outputs the received signal to the control unit 208b.

Control unit 208b, upon receiving a permission signal or a non-permission signal from communication control unit 205D, outputs the input signal to communication control unit 201b. At this time, the communication history storage unit 206 stores the permission signal or the non-permission signal and the communication destination code.

The communication control unit 201b transmits the permission signal or the non-permission signal input from the control unit 208b to the automatic transaction device 1
D is transmitted via a communication line.

Communication controller 106D of automatic transaction device 1D
Receives the permission signal or the non-permission signal from the management device 2b, and outputs the received signal to the control unit 111D.
When receiving the permission signal from the communication control unit 106D, the control unit 111D transmits the identification information, card data, transaction code, transfer destination financial institution code, transfer destination account number, and transaction amount, which are assigned in advance to each automatic transaction apparatus. The transaction data including the transaction data is output to the communication control unit 106D and the transaction data storage unit 108. Further, the control unit 111a outputs display data notifying the user that a transaction has been made to the display unit 101, and causes the card ejection unit of the card reader 103 to eject the card.

[0273] The transaction data storage unit 108 includes a control unit 111.
When the transaction data from D is input, the transaction data is stored. When the display data is input from the control unit 111D, the display unit 101 displays the fact that the transaction has been performed in accordance with the display data with characters and / or figures and notifies the user. Further, the card reader 103 ejects the inserted card.

The user checks the contents displayed on the display unit 101 and takes out the card ejected from the card reader 103.

When transaction data from control unit 111D is input, communication control unit 106D transmits the data to management device 2D.
b.

Upon receiving the transaction data from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction data to the control unit 208b.

When the transaction data from communication control section 201b is input, control section 208b outputs the transaction data to the first transaction data storage section constituting transaction data storage section 202.

[0278] The first transaction data storage unit is a control unit 208.
When the transaction data from b is input, the transaction data is stored.

[0279] The control unit 111aD is the communication control unit 1
When a confirmation-impossible signal or a non-permission signal from 06D is input, display data for displaying that a transaction cannot be performed for the reason indicated by the error code is output to the display unit 101 and inserted into the card ejection unit of the card reader 103. The discharged card is ejected, and the transaction ends.

[0280] When display data is input from the control unit 111D, the display unit 101 displays characters and / or diagrams to inform the user that a transaction cannot be performed in accordance with the display data.
In addition, the card ejection section of the card reader 103 ejects the inserted card. (3) Transfer from the financial institution F to the financial institution D (from another bank to its own bank) The user holding the card of the financial institution F Automatic transaction device 1D using a card previously issued by financial institution F
When a transfer is made from the account of the financial institution F corresponding to the card to the account of the financial institution D, the user first selects “Transfer” from the transaction menu displayed on the display unit 101 from the input unit 102. Select Then, the input unit 102 outputs a selection signal indicating that “transfer” has been selected to the control unit 11.
Output for 1D.

When a selection signal from input unit 102 is input, control unit 111D displays a message for prompting the user to insert a card, input a personal identification number, transfer money, a financial institution to be transferred, and an account number. The display data is output to the display unit 101.

When the display data is input from the control unit 111D, the display unit 101 displays a message prompting the user to insert a card, input a personal identification number, select a transfer amount, a transfer destination financial institution, and a transfer destination account number. Display by text or figure.

The user who sees this message inserts his / her card into the card reader 103 and
PIN corresponding to the card inserted from 2, transfer amount,
Enter the transfer destination financial institution and transfer destination account number.

[0284] Card reader 103 with inserted card
Reads the data recorded on the card and reads the data
Output to 1D. Further, the input unit 102 outputs the personal identification number and the transfer amount input by the user, the financial institution code and account number of the financial institution selected by the user to 111D.

When the control unit 111D inputs the card data, the password, the transfer amount, the transfer destination financial institution code, and the transfer destination account number from the card reader 103 and the input unit 102, it is stored in the financial institution storage unit 107. Read the communication destination code. Then, the communication destination code, transaction code, card data, personal identification number, transfer destination financial institution code,
The confirmation request signal including the transfer destination account number and the transaction amount is output to the communication control unit 106D.

Upon receiving the confirmation request signal from control unit 111D, communication control unit 106D transmits the confirmation request signal to management device 2b via the communication line.

[0287] Upon receiving the confirmation request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the confirmation request signal to the control unit 208b.

When receiving the confirmation request signal from communication control section 201b, control section 208b confirms which financial institution the communication destination code contained in the confirmation request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the confirmation request signal to the communication control unit 205D.

Upon receiving the confirmation request signal from the control unit 208b, the communication control unit 205D sends the card data, personal identification number, transaction code, transfer destination financial institution code, transfer code to the processing unit 5D of the financial institution D via the communication line. A confirmation request signal including the destination account number and the transaction amount is transmitted. At this time, the communication history storage unit 206b stores the confirmation request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the confirmation request signal from the management device 2b via the communication line, it outputs the confirmation request signal to the control unit 505D. When receiving the confirmation request signal from the first communication control unit 501D, the control unit 505D has the financial institution code and the transfer destination financial institution code of the card data included in the confirmation request signal as the financial institution code of the financial institution D. Confirm whether or not. Here, since the financial institution code of the card data indicates the financial institution F and the transfer destination financial institution code indicates the financial institution D, it is determined whether the transfer destination financial institution code matches the own financial institution code. It confirms and determines whether the transfer destination account number is stored in the account data storage unit 504D.

Further, control unit 505D confirms the financial institution code of the transfer source card data included in the confirmation request signal. Since the financial institution code of the card data is the financial institution code of financial institution F, control unit 505D outputs a confirmation request signal including the card data, personal identification number, transaction code, and transaction amount to second communication control unit 503D. .

[0292] The second communication control unit 503D includes the control unit 50
When the confirmation request signal from 5D is input, based on the financial institution code of the card data included in the confirmation request signal,
Among the communication procedures stored in the communication procedure storage unit 502D, the communication procedure with the financial institution corresponding to the financial institution code, that is, the communication procedure with the processing device 5F of the financial institution F is read, and the read communication procedure is read. The connection operation of the communication line with the processing device 5F of the financial institution F is performed via the financial institution network 4 in accordance with the above. And the processing device 5 of the financial institution F
When the communication line with F is connected, a confirmation request signal is transmitted to the processing device 5F of the financial institution F.

The communication control unit 503F of the financial institution F is connected to the processing unit 5D of the financial institution D via the financial institution network 4.
When the confirmation request signal is received from the control unit 505F, the confirmation request signal is output to the control unit 505F. The control unit 505F receives the confirmation request signal from the communication control unit 503F and confirms that the financial institution code of the card data included in the confirmation request signal is the financial institution code of the financial institution F. Next, whether or not the account number of the card data is stored in the account data storage unit 504F, and the password included in the confirmation request signal is stored in the account data storage unit 504F as a password corresponding to the account number. It is determined whether or not it has been performed.

The account number of the card data is stored in account data storage section 504F, and the password included in the confirmation request signal is stored in account data storage section 504F as a password corresponding to the account number. In this case, the control unit 505F compares the transaction amount with the transaction amount of the account and determines whether the transaction amount is larger than the transaction amount.

When the account number of the card data is not stored in account data storage section 504D, control section 505F stores the personal identification number in account data storage section 504F as a personal identification number corresponding to the account number of the card data. If not, or if the transaction amount is smaller than the transaction amount, and if any one of them is satisfied, the communication control unit 503F outputs an unconfirmable signal with an error code corresponding to each case.

The control section 505F stores the account number of the card data in the account data storage section 504F, and stores the password in the account data storage section 504F as a password corresponding to the account number of the card data. If the transaction is possible and the transaction amount is larger than the transaction amount, the communication control unit 503F outputs a confirmation signal indicating that the transaction is possible.

The communication control unit 503F, to which the confirmation signal or the non-confirmation signal has been input from the control unit 505F, transmits the input signal to the processing device 5D of the financial institution D via the communication line.

When the second communication control unit 503D of the processing unit 5D of the financial institution D receives a confirmation signal or a confirmation unreachable signal from the processing unit 5F of the financial institution F via the financial institution network 4, the second communication control unit 503D converts the received signal. Output to control unit 505D.

[0299] The storage unit 505D responds to the case where the transfer destination account number is not stored in the account data storage unit 504D or the case where the confirmation impossible signal is input from the second communication control unit 503D. The non-confirmation signal to which the error code has been added is output to the first communication control unit 501D.

When the transfer destination account number is stored in the account data storage unit 504D and the confirmation signal from the second communication control unit 503D is input, the control unit 505D activates the first communication control unit. A confirmation signal indicating that the transaction is possible is output to 501D.

[0301] The first communication control unit 501D, to which the confirmation signal or the confirmation-impossible signal is input from the control unit 505D, transmits the input signal to the management device 2b via the communication line.

[0302] When receiving the confirmation signal or the confirmation-impossible signal from the processing device 5D of the financial institution D, the communication control unit 205D of the management device 2b outputs the received signal to the control unit 208b.

When the confirmation signal or the confirmation-impossible signal is input from communication control section 205D, control section 208b outputs the input signal to communication control section 201b. At this time, the communication history storage unit 206 stores the confirmation signal or the non-confirmation signal and the communication destination code.

[0304] Communication control section 201b transmits the confirmation signal or the non-confirmation signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication controller 106D of automatic transaction apparatus 1D
When receiving the confirmation signal or the confirmation impossible signal from the management device 2b, the device outputs the received signal to the control unit 111D.

[0306] When the confirmation signal is input from the communication control unit 106D, the control unit 111D transmits the account number assigned to the confirmation signal, the account name of the account number, and a message asking whether to transfer the account. The display data to be displayed is output to the display unit 101.

[0307] Display unit 101 which has input the display data from control unit 111D displays a message urging the user to select whether or not to transfer the account.

[0308] The user who saw this message enters the input unit 1
From 02, either transfer to the account or not transfer is selected.

When the user selects to make a transfer, the control unit 111D, which inputs the selection to make a transfer from the input unit 102, enters the card data, personal identification number, transaction code, transfer destination financial institution code, transfer destination account. The number and the transaction amount are output to the communication control unit 106D as a transaction request signal.

Upon receiving the transaction request signal from control section 111D, communication control section 106D transmits the transaction request signal input from control section 111D to management device 2b via the communication line.

Upon receiving the transaction request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction request signal to the control unit 208b. Control unit 20
8b, when the transaction request signal from the communication control unit 201b is input, determines which financial institution the communication destination code included in the transaction request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 2
08b outputs the transaction request signal to the communication control unit 205D.

[0312] The communication control unit 205D transmits a transaction request signal to the processing device 5D of the financial institution D via the communication line.
At this time, the communication history storage unit 206b stores the transaction request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the transaction request signal from the management device 2b via the communication line, it outputs the transaction request signal to the control unit 505D. When the transaction request signal from the first communication control unit 501D is input to the control unit 505D, the financial institution code and the transfer destination financial institution code of the card data included in the transaction request signal are the financial institution code of the financial institution D. Confirm whether or not. Here, since the financial institution code of the card data indicates the financial institution F and the transfer destination financial institution code indicates the financial institution D, it is determined whether the transfer destination financial institution code matches the own financial institution code. It confirms and determines whether the transfer destination account number is stored in the account data storage unit 504D.

[0314] Also, the control unit 505D checks the financial institution code of the transfer source card data included in the transaction request signal. Since the financial institution code of the card data is the financial institution code of financial institution F, control unit 505D outputs a transaction request signal including the card data, personal identification number, transaction code, and transaction amount to second communication control unit 503D. .

The second communication control unit 503D is
When a transaction request signal from 5D is input, based on the financial institution code of the card data included in the transaction request signal,
Among the communication procedures stored in the communication procedure storage unit 502D, the communication procedure with the financial institution corresponding to the financial institution code, that is, the communication procedure with the processing device 5F of the financial institution F is read, and the read communication procedure is read. The connection operation of the communication line with the processing device 5F of the financial institution F is performed via the financial institution network 4 in accordance with the above. And the processing device 5 of the financial institution F
When the communication line with F is connected, a transaction request signal is transmitted to the processing device 5F of the financial institution F.

[0316] The communication control unit 503F of the financial institution F sends the processing device 5D of the financial institution D via the financial institution network 4.
When the transaction request signal is received from the control unit 505F, the transaction request signal is output to the control unit 505F. The control unit 505F receives the transaction request signal from the communication control unit 503F and confirms that the financial institution code of the card data included in the transaction request signal is the financial institution code of the financial institution F. Next, whether or not the account number of the card data is stored in the account data storage unit 504F, and the password included in the transaction request signal is stored in the account data storage unit 504F as a password corresponding to the account number. It is determined whether or not it has been performed.

[0317] The account number of the card data is stored in account data storage section 504F, and the password included in the transaction request signal is stored in account data storage section 504F as a password corresponding to the account number. In this case, the control unit 505F compares the transaction amount with the transaction amount of the account and determines whether the transaction amount is larger than the transaction amount.

When the account number of the card data is not stored in account data storage section 504D, control section 505F stores the password in account data storage section 504F as a password corresponding to the account number of the card data. If any one of the following cases is satisfied, or if the transaction amount is smaller than the transaction amount, the non-permission signal with an error code corresponding to each case is output to the communication control unit 503F. Note that the control unit 505F stores the account number of the card data in the account data storage unit 504F, and sets the password as the password corresponding to the account number of the card data.
In the case where the transaction amount is larger than the transaction amount, the permission signal for permitting the transaction is output to the communication control unit 503F, and the transaction data is transmitted to the account data storage unit 504F. The transaction data including the card data, transaction code, transfer destination account number, and transaction amount included in the request signal is output. When the transaction data from the control unit 505F is input, the account data storage unit 504F stores the transaction data as the transaction data of the transfer destination account number included in the transaction data. Control unit 505
The communication control unit 503F to which the permission signal or the non-permission signal from F has been input transmits the input signal to the processing device 5D of the financial institution D via the communication line.

When the second communication control unit 503D of the processing unit 5D of the financial institution D receives a permission signal or a non-permission signal from the processing unit 5F of the financial institution F via the financial institution network 4, the second communication control unit 503D converts the received signal. Output to control unit 505D.

[0320] The storage unit 505D responds to the case where the transfer destination account number is not stored in the account data storage unit 504D or the case where a disapproval signal is input from the second communication control unit 503D. The non-permission signal provided with the error code is output to the first communication control unit 501D. Note that, when the transfer destination account number is stored in the account data storage unit 504D and the permission signal from the second communication control unit 503D is input, the control unit 505D performs the first
A permission signal indicating that the transaction is possible is output to the communication control unit 501D of the account data storage unit 5D.
The transaction data including the card data, the transaction code, the transfer destination account number, and the transaction amount included in the transaction request signal is output to 04D. The account data storage unit 504D includes the control unit 50
When the transaction data from 5D is input, the transaction data is stored as the transaction data of the account number of the card data included in the transaction data. The first communication control unit 501 to which the permission signal or the non-permission signal from the control unit 505D is input.
D transmits the input signal to the management device 2b via the communication line.

When receiving the permission signal or the non-permission signal from the processing device 5D of the financial institution D, the communication control unit 205D of the management device 2b outputs the received signal to the control unit 208b.

[0324] When a permission signal or a non-permission signal is input from the communication control unit 205D, the control unit 208b outputs the input signal to the communication control unit 201b. At this time, the communication history storage unit 206 stores the permission signal or the non-permission signal and the communication destination code.

The communication control unit 201b transmits the permission signal or the non-permission signal input from the control unit 208b to the automatic transaction device 1
D is transmitted via a communication line.

Communication controller 106D of automatic transaction apparatus 1D
Receives the permission signal or the non-permission signal from the management device 2b, and outputs the received signal to the control unit 111D.
When receiving the permission signal from the communication control unit 106D, the control unit 111D transmits the identification information, card data, transaction code, transfer destination financial institution code, transfer destination account number, and transaction amount, which are assigned in advance to each automatic transaction apparatus. The transaction data including the transaction data is output to the communication control unit 106D and the transaction data storage unit 108. Further, the control unit 111a outputs display data notifying the user that a transaction has been made to the display unit 101, and causes the card ejection unit of the card reader 103 to eject the card.

[0325] The transaction data storage unit 108 includes a control unit 111.
When the transaction data from D is input, the transaction data is stored. When the display data is input from the control unit 111D, the display unit 101 displays the fact that the transaction has been performed in accordance with the display data with characters and / or figures and notifies the user. Further, the card reader 103 ejects the inserted card.

The user confirms the contents displayed on the display unit 101 and takes out the card ejected from the card reader 103.

[0327] When transaction data is input from the control unit 111D, the communication control unit 106D transmits the data to the management device 2D.
b.

When receiving the transaction data from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction data to the control unit 208b.

[0329] When the transaction data from communication control unit 201b is input, control unit 208b outputs the transaction data to the first transaction data storage unit constituting transaction data storage unit 202.

[0330] The first transaction data storage unit includes the control unit 208.
When the transaction data from b is input, the transaction data is stored.

Note that the control unit 111aD is the communication control unit 1
When a confirmation-impossible signal or a non-permission signal from 06D is input, display data for displaying that a transaction cannot be performed for the reason indicated by the error code is output to the display unit 101 and inserted into the card ejection unit of the card reader 103. The discharged card is ejected, and the transaction ends.

[0332] When the display data is input from the control unit 111D, the display unit 101 displays characters and / or figures to notify the user that a transaction cannot be performed in accordance with the display data.
The card ejection section of the card reader 103 ejects the inserted card. (3) Transfer from financial institution F to financial institution F (from another bank to another bank) , An automatic transaction device 1D using a card issued in advance by the financial institution F
When performing a transfer from the account of the financial institution F corresponding to the card to the account of the financial institution F, the user first selects “Transfer” from the transaction menu displayed on the display unit 101 from the input unit 102. Select Then, the input unit 102 outputs a selection signal indicating that “transfer” has been selected to the control unit 11.
Output for 1D.

[0333] When the selection signal from the input unit 102 is input, the control unit 111D displays a message for prompting the user to insert a card, input a personal identification number, input a transfer amount, a transfer destination financial institution, and an account number. The display data is output to the display unit 101.

When the display data from the control unit 111D is input, the display unit 101 displays a message prompting the user to insert a card, input a personal identification number, select a transfer amount, a transfer destination financial institution, and a transfer destination account number. Display by text or figure.

The user who sees this message inserts his / her card into the card reader 103, and
PIN corresponding to the card inserted from 2, transfer amount,
Enter the transfer destination financial institution and transfer destination account number.

A card reader 103 with a card inserted
Reads the data recorded on the card and reads the data
Output to 1D. Further, the input unit 102 outputs the personal identification number and the transfer amount input by the user, the financial institution code and account number of the financial institution selected by the user to 111D.

When the control unit 111D inputs the card data, the personal identification number, the transfer amount, the transfer destination financial institution code, and the transfer destination account number from the card reader 103 and the input unit 102, it is stored in the financial institution storage unit 107. Read the communication destination code. Then, the communication destination code, transaction code, card data, personal identification number, transfer destination financial institution code,
The confirmation request signal including the transfer destination account number and the transaction amount is output to the communication control unit 106D.

Upon receiving the confirmation request signal from control section 111D, communication control section 106D transmits the confirmation request signal to management device 2b via the communication line.

Upon receiving the confirmation request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the confirmation request signal to the control unit 208b.

Upon receiving the confirmation request signal from communication control section 201b, control section 208b confirms which financial institution the communication destination code contained in the confirmation request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the confirmation request signal to the communication control unit 205D.

Upon receiving the confirmation request signal from the control unit 208b, the communication control unit 205D sends the card data, personal identification number, transaction code, transfer destination financial institution code, transfer code to the processing device 5D of the financial institution D via the communication line. A confirmation request signal including the destination account number and the transaction amount is transmitted. At this time, the communication history storage unit 206b stores the confirmation request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the confirmation request signal from the management device 2b via the communication line, it outputs the confirmation request signal to the control unit 505D. When receiving the confirmation request signal from the first communication control unit 501D, the control unit 505D determines which financial institution the financial institution code and the transfer destination financial institution code of the card data included in the confirmation request signal indicate. Check. Since the financial institution code of the card data is the financial institution code of the financial institution F, the control unit 505D
Is the card data, PIN, transfer destination financial institution code,
Confirmation request signal including transfer destination account number and transaction code
To the communication control unit 503D.

The second communication control unit 503D is
When the confirmation request signal from 5D is input, the financial institution code of the communication procedure stored in the communication procedure storage unit 502D based on the card data or the transfer destination financial institution code included in the confirmation request signal. , That is, the communication procedure with the processing device 5F of the financial institution F, and reads the processing device 5F of the financial institution F via the financial institution network 4 according to the read communication procedure.
The connection operation of the communication line with is performed. Then, when the communication line with the processing device 5F of the financial institution F is connected, a confirmation request signal is transmitted to the processing device 5F of the financial institution F.

[0344] The communication control unit 503F of the financial institution F communicates with the processing unit 5D of the financial institution D via the financial institution network 4.
When the confirmation request signal is received from the control unit 505F, the confirmation request signal is output to the control unit 505F.

Upon receiving the confirmation request signal from communication control section 503F, control section 505F determines whether the financial institution code and the transfer destination financial institution code of the card data included in the confirmation request signal match the own financial institution code. Confirmed,
Whether the account number and the transfer destination account number of the card data are stored in the account data storage unit 504F, and the password included in the confirmation request signal is stored as the password corresponding to the account number of the card data. Part 504
It is determined whether it is stored in F or not.

The account number of the card data is stored in account data storage section 504F, and the password included in the confirmation request signal is stored in account data storage section 504F as a password corresponding to the account number. further,
When the transfer destination account number is stored in the account data storage unit 504F, the control unit 505F compares the transaction amount of the account with the transaction amount and determines whether the transaction amount is larger than the transaction amount. The control unit 505F stores the account number of the card data and the transfer destination account number in the account data storage unit 504F, and sets the password included in the confirmation request signal as the password corresponding to the account number of the card data. If the transaction amount is stored in the storage unit 504F and the transaction amount is larger than the transaction amount, a confirmation signal including the transfer destination account name is output to the communication control unit 503F. The control unit 505F determines that the account number of the card data is not stored in the account data storage unit 504F.
Alternatively, the password included in the confirmation request signal is not stored in account data storage unit 504F as a password corresponding to the account number of the card data, or the transfer destination account number is stored in account data storage unit 504F. If no, or the account number of the transfer destination is not stored,
Alternatively, when the transaction amount is larger than the transaction amount, the communication control unit 503F outputs an unconfirmable signal with an error code corresponding to each case.

[0347] The communication control unit 503F, to which the confirmation signal or the non-confirmation signal has been input from the control unit 505F, transmits the input signal to the processing device 5D of the financial institution D via the financial institution network 4.

When the second communication control unit 503D of the processing unit 5D of the financial institution D receives the confirmation signal or the unrecognizable signal from the processing unit 5F of the financial institution F via the financial institution network 4, the received signal is received. Output to control unit 505D.

The control unit 505D includes the second communication control unit 50
When a confirmation signal or a non-confirmation signal from 3D is input,
The input signal is output to first communication control section 501D.

[0350] The first communication control unit 501D, to which the confirmation signal or the non-confirmation signal has been input from the control unit 505D, transmits the input signal to the management device 2b via the communication line.

When the communication control unit 205D of the management device 2b receives the confirmation signal or the confirmation-impossible signal from the processing device 5D of the financial institution D, it outputs the received signal to the control unit 208b.

When receiving a confirmation signal or a confirmation-impossible signal from communication control section 205D, control section 208b outputs the input signal to communication control section 201b. At this time, the communication history storage unit 206 stores the confirmation signal or the non-confirmation signal and the communication destination code.

Communication control section 201b transmits the confirmation signal or the non-confirmation signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication controller 106D of automatic transaction device 1D
When receiving the confirmation signal or the confirmation impossible signal from the management device 2b, the device outputs the received signal to the control unit 111D.

When the confirmation signal is input from communication control section 106D, control section 111D transmits the account number assigned to the confirmation signal, the account name of the account number, and a message asking whether or not to transfer the account. The display data to be displayed is output to the display unit 101.

[0356] Display unit 101 which has input the display data from control unit 111D displays a message urging the user to select whether or not to transfer the account.

[0357] The user who sees this message enters the input unit 1
From 02, either transfer to the account or not transfer is selected.

When the user selects to make a transfer, the control unit 111D, which has entered the selection to make a transfer from the input unit 102, sets the card data, personal identification number, transaction code, transfer destination financial institution code, transfer destination account. The number and the transaction amount are output to the communication control unit 106D as a transaction request signal.

Upon receiving the transaction request signal from control section 111D, communication control section 106D transmits the transaction request signal input from control section 111D to management device 2b via the communication line.

Upon receiving the transaction request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction request signal to the control unit 208b. Control unit 20
8b, when the transaction request signal from the communication control unit 201b is input, determines which financial institution the communication destination code included in the transaction request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 2
08b outputs the transaction request signal to the communication control unit 205D.

The communication control unit 205D transmits a transaction request signal to the processing device 5D of the financial institution D via the communication line.
At this time, the communication history storage unit 206b stores the transaction request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the transaction request signal from the management device 2b via the communication line, it outputs the transaction request signal to the control unit 505D. When the transaction request signal from the first communication control unit 501D is input, the control unit 505D determines whether the financial institution code and the transfer destination financial institution code of the card data included in the transaction request signal match the own financial institution code. It is confirmed that the account number of the card data and the transfer destination account number are stored in the account data storage unit 504F, and that the password included in the transaction request signal is a password corresponding to the account number of the card data. It is determined whether or not it is stored in account data storage unit 504F.

The account number of the card data is stored in account data storage section 504F, and the password included in the transaction request signal is stored in account data storage section 504F as a password corresponding to the account number. further,
When the transfer destination account number is stored in the account data storage unit 504F, the control unit 505F compares the transaction amount of the account with the transaction amount and determines whether the transaction amount is larger than the transaction amount. The control unit 505F stores the account number of the card data and the transfer destination account number in the account data storage unit 504F, and sets the password included in the transaction request signal as the password corresponding to the account number of the card data. When the transaction amount is stored in the storage unit 504F and the transaction amount is larger than the transaction amount, a permission signal for permitting the transaction is output to the communication control unit 503F. Also, the transaction data including the card data, the transaction code, the transfer destination financial institution code, the transfer destination account number, and the transaction amount are output to the account data storage unit 504F. When the transaction data from the control unit 504F is input, the account data storage unit 504F stores the transaction data as the card data included in the transaction data and the transaction data of the transfer destination account number. Note that the control unit 505F stores the account data in the account data storage unit 504F in which the account number of the card data is not stored or the password included in the transaction request signal is a password corresponding to the account number of the card data. If the transfer destination account number is not stored in the account data storage unit 504F, or the transfer destination account number is not stored, or the transaction amount is larger than the tradable amount. If the number is large, a non-permission signal with an error code corresponding to each case is output to the communication control unit 503F.

[0364] The communication control unit 503F to which the permission signal or the non-permission signal from the control unit 505F is input transmits the input signal to the processing device 5D of the financial institution D via the financial institution network 4.

When the second communication control unit 503D of the processing unit 5D of the financial institution D receives the permission signal or the non-permission signal from the processing unit 5F of the financial institution F via the financial institution network 4, the second communication control unit 503D converts the received signal. Output to control unit 505D.

[0366] The control unit 505D is connected to the second communication control unit 50.
When a permission signal or a non-permission signal from 3D is input, the input signal is output to the first communication control unit 501D.

The first communication control unit 501D to which the permission signal or the non-permission signal has been input from the control unit 505D transmits the input signal to the management device 2b via the communication line.

When the communication control unit 205D of the management device 2b receives the permission signal or the non-permission signal from the processing device 5D of the financial institution D, it outputs the received signal to the control unit 208b.

Control unit 208b, upon receiving a permission signal or a non-permission signal from communication control unit 205D, outputs the input signal to communication control unit 201b. At this time, the communication history storage unit 206 stores the permission signal or the non-permission signal and the communication destination code.

The communication control unit 201b transmits the permission signal or the non-permission signal input from the control unit 208b to the automatic transaction device 1
D is transmitted via a communication line.

Communication controller 106D of automatic transaction device 1D
Receives the permission signal or the non-permission signal from the management device 2b, and outputs the received signal to the control unit 111D.

Upon receiving the permission signal from communication control unit 106D, control unit 111D receives identification information, card data, transaction code, transfer destination financial institution code, transfer destination account number, The transaction data including the transaction amount is output to communication control unit 106D and transaction data storage unit 108. In addition, the control unit 111a controls the display unit 1
01, display data notifying the user that a transaction has been made is output, and the card is ejected from the card ejection unit of the card reader 103.

The transaction data storage unit 108 has a
When the transaction data from D is input, the transaction data is stored. When the display data is input from the control unit 111D, the display unit 101 displays the fact that the transaction has been performed in accordance with the display data with characters and / or figures and notifies the user. Further, the card reader 103 ejects the inserted card.

The user checks the contents displayed on the display unit 101 and takes out the card ejected from the card reader 103.

[0375] When the transaction data from the control unit 111D is input, the communication control unit 106D stores the transaction data in the management device 2D.
b.

Upon receiving the transaction data from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction data to the control unit 208b.

[0377] When transaction data is input from communication control section 201b, control section 208b outputs the transaction data to the first transaction data storage section constituting transaction data storage section 202.

[0378] The first transaction data storage unit is a control unit 208.
When the transaction data from b is input, the transaction data is stored.

Note that the control unit 111D is
When a non-confirmation signal or a non-permission signal from 6D is input, display data for displaying that a transaction cannot be performed for the reason indicated by the error code is output to the display unit 101 and inserted into the card ejection unit of the card reader 103. The discharged card is ejected, and the transaction ends.

[0380] When the display data is input from the control unit 111D, the display unit 101 displays characters and / or figures to notify the user that a transaction cannot be performed in accordance with the display data.
In addition, the card ejection section of the card reader 103 ejects the inserted card. (3) Transfer from the financial institution F to the financial institution E (from another bank to another bank) Use of holding the card of the financial institution F Using a card issued by the financial institution F in advance and using the automatic transaction device 1D
When a transfer is made from the account of the financial institution F corresponding to the card to the account of the financial institution E by using, the user first selects “Transfer” from the transaction menu displayed on the display unit 101 from the input unit 102. Select Then, the input unit 102 outputs a selection signal indicating that “transfer” has been selected to the control unit 11.
Output for 1D.

When the selection signal from the input unit 102 is input, the control unit 111D displays a message for prompting the user to insert a card, input a personal identification number, input a transfer amount, a transfer destination financial institution, and an account number. The display data is output to the display unit 101.

When the display data from the control unit 111D is input, the display unit 101 displays a message prompting the user to insert a card, input a personal identification number, select a transfer amount, a transfer destination financial institution, and a transfer destination account number. Display by text or figure.

The user who sees this message inserts his / her card into the card reader 103 and
PIN corresponding to the card inserted from 2, transfer amount,
Enter the transfer destination financial institution and transfer destination account number.

[0384] Card reader 103 with inserted card
Reads the data recorded on the card and reads the data
Output to 1D. Further, the input unit 102 outputs the personal identification number and the transfer amount input by the user, the financial institution code and account number of the financial institution selected by the user to 111D.

[0385] When the card data, the password, the transfer amount, the transfer destination financial institution code, and the transfer destination account number are input from the card reader 103 and the input unit 102, the control unit 111D is stored in the financial institution storage unit 107. Read the communication destination code. Then, the communication destination code, transaction code, card data, personal identification number, transfer destination financial institution code,
The confirmation request signal including the transfer destination account number and the transaction amount is output to the communication control unit 106D.

Upon receiving the confirmation request signal from control section 111D, communication control section 106D transmits the confirmation request signal to management device 2b via the communication line.

Upon receiving the confirmation request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the confirmation request signal to the control unit 208b.

When receiving the confirmation request signal from communication control section 201b, control section 208b confirms which financial institution the communication destination code contained in the confirmation request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 208b outputs the confirmation request signal to the communication control unit 205D.

Upon receiving the confirmation request signal from the control unit 208b, the communication control unit 205D sends the card data, personal identification number, transaction code, transfer destination financial institution code, transfer code to the processing device 5D of the financial institution D via the communication line. A confirmation request signal including the destination account number and the transaction amount is transmitted. At this time, the communication history storage unit 206b stores the confirmation request signal and the communication destination code.

When the first communication control unit 501D of the processing device 5D of the financial institution D receives the confirmation request signal from the management device 2b via the communication line, it outputs the confirmation request signal to the control unit 505D. When receiving the confirmation request signal from the first communication control unit 501D, the control unit 505D determines which financial institution the financial institution code and the transfer destination financial institution code of the card data included in the confirmation request signal indicate. Check. Here, the financial institution code of the card data is the financial institution code of the financial institution F, and the transfer destination financial institution code is the financial institution code of the financial institution E. Since the financial institution code of the card data is the financial institution code of the financial institution F, the control unit 505D transmits the confirmation request signal including the card data, the password, the transaction code, and the transaction amount to the second.
To the communication control unit 503D.

[0391] The second communication control unit 503D is
When the transaction request signal from 5D is input, based on the financial institution code of the card data included in the confirmation request signal,
Among the communication procedures stored in the communication procedure storage unit 502D, the communication procedure with the financial institution corresponding to the financial institution code, that is, the communication procedure with the processing device 5F of the financial institution F is read, and the read communication procedure is read. The connection operation of the communication line with the processing device 5F of the financial institution F is performed via the financial institution network 4 in accordance with the above. And the processing device 5 of the financial institution F
When the communication line with F is connected, a confirmation request signal is transmitted to the processing device 5F of the financial institution F.

The communication control unit 503F of the financial institution F is connected to the processing unit 5D of the financial institution D via the financial institution network 4.
When the confirmation request signal is received from the control unit 505F, the confirmation request signal is output to the control unit 505F.

Upon receiving the confirmation request signal from communication control section 503F, control section 505F stores the account number of the card data contained in the confirmation request signal in account data storage section 50.
If the password stored in the account data storage unit 504F is stored in the account data storage unit 504F as a password corresponding to the account number, the control unit 5
05F compares the transactable amount of the account with the transaction amount and determines whether the transactable amount is greater than the transaction amount.

When the account number of the card data is not stored in account data storage section 504F, control section 505F sets the password included in the confirmation request signal as the password corresponding to the account number of the card data. If any one of the following cases is satisfied: if not stored in the storage unit 504F, or if the transaction amount is smaller than the transaction amount, the communication control unit 503F sends an unrecognizable signal with an error code corresponding to each case. Output to Note that the control unit 505F stores the account number of the card data in the account data storage unit 504F, and sets the password included in the confirmation request signal as the password corresponding to the account number of the card data. If the transaction amount stored in 504F is greater than the transaction amount, a confirmation signal with the account name of the account number is output to communication control unit 503F.

The communication control unit 503F, to which the confirmation signal or the confirmation-impossible signal is input from the control unit 505F, transmits the input signal to the processing device 5D of the financial institution D via the communication line. Since the transfer destination financial institution code included in the confirmation request signal indicates the financial institution E, the control unit 505
D outputs a confirmation request signal including the transfer destination financial institution code, the transfer destination account number, and the transaction code to the second communication control unit 503D.

[0396] The second communication control unit 503D is
When the transaction request signal from the 5D is input, based on the transfer destination financial institution code included in the confirmation request signal, the communication procedure corresponding to the financial institution code in the communication procedure stored in the communication procedure storage unit 502D. The communication procedure with the processing device of the financial institution, that is, the communication procedure with the processing device 5E of the financial institution E is read, and the communication with the processing device 5E of the financial institution E is performed via the financial institution network 4 according to the read communication procedure. Perform line connection operation. Then, when the communication line with the processing device 5E of the financial institution E is connected, a confirmation request signal is transmitted to the processing device 5E of the financial institution E.

When the second communication control unit 503E of the processing unit 5E of the financial institution E receives the confirmation request signal from the processing unit 5D of the financial institution D via the financial institution network 4, the second communication control unit 503E transmits the confirmation request signal to the control unit. 505E.

The control unit 505E is the second communication control unit 50
When the confirmation request signal from 3E is input, the account number of the transfer destination included in the confirmation request signal is stored in the account data storage unit 50.
Confirm whether it is stored in 4E.

When the transfer destination account number is not stored in the account data storage unit 504E, the control unit 505E
An unconfirmable signal with an error code
2 to the communication control unit 503E. The control unit 50
5E indicates that the transfer destination account number is the account data storage unit 504E.
Is stored in the second communication control unit 503E.
Then, a confirmation signal with the account name of the account number is output.

[0400] The second communication control unit 503E, to which the confirmation signal or the non-confirmation signal is input from the control unit 505E, transmits the input signal via the communication line to the processing unit 5D of the financial institution D
Send to

The second communication control unit 503D of the processing unit 5D of the financial institution D includes the processing unit 5F of the financial institution F and the processing unit 5E of the financial institution E via the financial institution network 4.
When receiving the confirmation signal or the confirmation-impossible signal from, the control unit 505D outputs the received signal to the control unit 505D. Storage unit 505D
Is a non-confirmation signal from the processing unit 5F of the financial institution F or the processing unit 5E of the financial institution E.
When the input is made via D, the unrecognizable signal is output to the first communication control unit 501D. The control unit 505D
When the confirmation signals from the processing unit 5F of the financial institution F and the processing unit 5E of the financial institution E are input via the second communication control unit 503D, the confirmation signals are output to the first communication control unit 501D. I do.

[0402] The first communication control section 501D, to which the confirmation signal or the non-confirmation signal has been input from the control section 505D, transmits the input signal to the management device 2b via the communication line.

When receiving the confirmation signal or the confirmation impossible signal from the processing device 5D of the financial institution D, the communication control unit 205D of the management device 2b outputs the received signal to the control unit 208b.

[0404] When a confirmation signal or a confirmation-impossible signal is input from communication control section 205D, control section 208b outputs the input signal to communication control section 201b. At this time, the communication history storage unit 206 stores the confirmation signal or the non-confirmation signal and the communication destination code.

[0405] Communication control section 201b transmits the confirmation signal or the non-confirmation signal input from control section 208b to automatic transaction apparatus 1D via a communication line.

Communication controller 106D of automatic transaction device 1D
When receiving the confirmation signal or the confirmation impossible signal from the management device 2b, the device outputs the received signal to the control unit 111D.

[0407] When the confirmation signal is input from the communication control unit 106D, the control unit 111D sends the account number given to the confirmation signal, the account name of the account number, and a message asking whether to transfer the account. The display data to be displayed is output to the display unit 101.

[0408] The display unit 101 which has input the display data from the control unit 111D displays a message urging the user to select whether or not to transfer the account.

[0409] The user who sees this message enters the input unit 1
From 02, either transfer to the account or not transfer is selected.

[0410] When the user selects to make a transfer, the control unit 111D, which has input the selection to make a transfer from the input unit 102, sets the card data, personal identification number, transaction code, transfer destination financial institution code, transfer destination account. The number and the transaction amount are output to the communication control unit 106D as a transaction request signal.

[0411] When the transaction request signal from the control unit 111D is input, the communication control unit 106D transmits the transaction request signal input from the control unit 111D to the management device 2b via the communication line.

[0412] Upon receiving the transaction request signal from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction request signal to the control unit 208b. Control unit 20
8b, when the transaction request signal from the communication control unit 201b is input, determines which financial institution the communication destination code included in the transaction request signal indicates. Here, since the communication destination code indicates the financial institution D, the control unit 2
08b outputs the transaction request signal to the communication control unit 205D.

[0413] The communication control unit 205D transmits a transaction request signal to the processing device 5D of the financial institution D via the communication line.
At this time, the communication history storage unit 206b stores the transaction request signal and the communication destination code.

[0414] When the first communication control unit 501D of the processing device 5D of the financial institution D receives the transaction request signal from the management device 2b via the communication line, the first communication control unit 501D outputs the transaction request signal to the control unit 505D. When the transaction request signal from the first communication control unit 501D is input, the control unit 505D determines which financial institution the financial institution code and the transfer destination financial institution code of the card data included in the transaction request signal indicate. Check. Here, the financial institution code of the card data is the financial institution code of the financial institution F, and the transfer destination financial institution code is the financial institution code of the financial institution E. Since the financial institution code of the card data is the financial institution code of the financial institution F, the control unit 505D transmits the transaction request signal including the card data, the password, the transaction code, and the transaction amount to the second.
To the communication control unit 503D.

[0415] The second communication control unit 503D is
When a transaction request signal from 5D is input, based on the financial institution code of the card data included in the transaction request signal,
Among the communication procedures stored in the communication procedure storage unit 502D, the communication procedure with the financial institution corresponding to the financial institution code, that is, the communication procedure with the processing device 5F of the financial institution F is read, and the read communication procedure is read. The connection operation of the communication line with the processing device 5F of the financial institution F is performed via the financial institution network 4 in accordance with the above. And the processing device 5 of the financial institution F
When the communication line with F is connected, a transaction request signal is transmitted to the processing device 5F of the financial institution F.

[0416] The communication control unit 503F of the financial institution F communicates with the processing unit 5D of the financial institution D via the financial institution network 4.
When the transaction request signal is received from the control unit 505F, the transaction request signal is output to the control unit 505F.

[0417] When the transaction request signal from the communication control unit 503F is input, the control unit 505F stores the account number of the card data included in the transaction request signal in the account data storage unit 50.
If the password stored in the account data storage unit 504F is stored in the account data storage unit 504F as a password corresponding to the account number, the control unit 5
05F compares the transactable amount of the account with the transaction amount and determines whether the transactable amount is greater than the transaction amount.

[0418] If the account number of the card data is not stored in the account data storage unit 504F, the control unit 505F sets the password included in the transaction request signal as the password corresponding to the account number of the card data. If any one of the following is satisfied, the communication control unit 503F sends a non-permission signal provided with an error code corresponding to each of the following cases: Output to In addition,
The control unit 505F stores the account number of the card data in the account data storage unit 504F, and stores the password included in the transaction request signal in the account data storage unit 504F as a password corresponding to the account number of the card data. When the stored transaction amount is larger than the transaction amount, a permission signal for permitting the transaction is output to the communication control unit 503F, and the card data included in the transaction request signal is output to the account data storage unit 504F. Output transaction data including transaction code, transfer destination account number, and transaction amount. When the transaction data from the control unit 505F is input, the account data storage unit 504F stores the transaction data as the transaction data of the account number of the card data included in the transaction data. The communication control unit 503F to which the permission signal or the non-permission signal is input from the control unit 505F transmits the input signal to the processing device 5D of the financial institution D via the communication line. Further, the control unit 505D of the processing device 5D determines that the transfer destination financial institution code included in the transaction request signal indicates the financial institution E, and thus the transaction request including the transfer destination financial institution code, the transfer destination account number, and the transaction code. The signal is output to the second communication control unit 503D.

[0419] The second communication control unit 503D includes the control unit 50
When the transaction request signal from 5D is input, based on the transfer destination financial institution code included in the transaction request signal, the communication procedure corresponding to the financial institution code in the communication procedure stored in the communication procedure storage unit 502D. The communication procedure with the processing device of the financial institution, that is, the communication procedure with the processing device 5E of the financial institution E is read, and the communication with the processing device 5E of the financial institution E is performed via the financial institution network 4 according to the read communication procedure. Perform line connection operation. Then, when the communication line with the processing device 5E of the financial institution E is connected, a transaction request signal is transmitted to the processing device 5E of the financial institution E.

When the second communication control unit 503E of the processing unit 5E of the financial institution E receives the transaction request signal from the processing unit 5D of the financial institution D via the financial institution network 4, the second communication control unit 503E transmits the transaction request signal to the control unit. 505E.

[0421] The control unit 505E is connected to the second communication control unit 50.
When the transaction request signal from 3E is input, the account number of the transfer destination included in the transaction request signal is stored in the account data storage unit 50.
Confirm whether it is stored in 4E.

[0422] If the account number of the transfer destination is not stored in the account data storage unit 504E,
A non-permission signal with an error code
To the communication control unit 503E. The control unit 505
When the account number of the transfer destination is stored in the account data storage unit 504E, E outputs a permission signal for permitting the transaction to the second communication control unit 503E and sends the permission signal to the account data storage unit 504E. The transaction data including the card data, the transaction code, the transfer destination account number, and the transaction amount included in the transaction request signal is output. Account data storage unit 504E
When the transaction data is input from the control unit 505E, the transaction data is stored as the transaction data of the transfer destination account number included in the transaction data.

[0423] The second communication control unit 503E to which the permission signal or the non-permission signal has been input from the control unit 505E transmits the input signal to the processing device 5D of the financial institution D via the communication line.

The second communication control unit 503D of the processing device 5D of the financial institution D receives the processing device 5F of the financial institution F and the processing device 5E of the financial institution E via the financial institution network 4.
When receiving the permission signal or the non-permission signal from, the control unit 505D outputs the received signal to the control unit 505D. Control unit 505D
Indicates that a non-permission signal from the processing device 5F of the financial institution F or the processing device 5E of the financial institution E is transmitted to the second communication control unit 503D.
When the input is made via the first communication control unit 501D, the unrecognizable signal is output to the first communication control unit 501D. The control unit 505D
When permission signals from the processing device 5F of the financial institution F and the processing device 5E of the financial institution E are input via the second communication control unit 503D, the permission signal is output to the first communication control unit 501D. I do.

[0425] The first communication control unit 501D to which the permission signal or the non-permission signal has been input from the control unit 505D transmits the input signal to the management device 2b via the communication line.

When receiving the permission signal or the non-permission signal from the processing device 5D of the financial institution D, the communication control unit 205D of the management device 2b outputs the received signal to the control unit 208b.

When the permission signal or the non-permission signal is input from communication control section 205D, control section 208b outputs the input signal to communication control section 201b. At this time, the communication history storage unit 206 stores the permission signal or the non-permission signal and the communication destination code.

[0447] The communication control unit 201b transmits the permission signal or the non-permission signal input from the control unit 208b to the automatic transaction apparatus 1
D is transmitted via a communication line.

Communication control unit 106D of automatic transaction device 1D
Receives the permission signal or the non-permission signal from the management device 2b, and outputs the received signal to the control unit 111D.
When receiving the permission signal from the communication control unit 106D, the control unit 111D transmits the identification information, card data, transaction code, transfer destination financial institution code, transfer destination account number, and transaction amount, which are assigned in advance to each automatic transaction apparatus. The transaction data including the transaction data is output to the communication control unit 106D and the transaction data storage unit 108. Further, the control unit 111D outputs display data notifying the user of the fact that the transaction has been performed to the display unit 101, and causes the card ejection unit of the card reader 103 to eject the card.

[0430] The transaction data storage unit 108 includes the control unit 111.
When the transaction data from D is input, the transaction data is stored. When the display data is input from the control unit 111D, the display unit 101 displays the fact that the transaction has been performed in accordance with the display data with characters and / or figures and notifies the user. Further, the card reader 103 ejects the inserted card.

[0431] The user checks the content displayed on the display unit 101 and takes out the card ejected from the card reader 103.

[0432] When transaction data is input from the control unit 111D, the communication control unit 106D transmits the data to the management device 2
b.

When receiving the transaction data from the automatic transaction device 1D, the communication control unit 201b of the management device 2b outputs the transaction data to the control unit 208b.

[0434] When the transaction data from communication control section 201b is input, control section 208b outputs the transaction data to the first transaction data storage section constituting transaction data storage section 202.

[0435] The first transaction data storage unit is a control unit 208.
When the transaction data from b is input, the transaction data is stored.

Note that the control unit 111D is
When a non-confirmation signal or a non-permission signal from 6D is input, display data for displaying that a transaction cannot be performed for the reason indicated by the error code is output to the display unit 101 and inserted into the card ejection unit of the card reader 103. The discharged card is ejected, and the transaction ends.

[0437] The display unit 101 displays the table from the control unit 111D.
When the display data is entered, a transaction is performed according to the display data.
The inability to do so is displayed in characters and figures to notify the user.
The card ejection section of the card reader 103 is inserted.
2. Eject the card. Inquiry of balance (1) Inquiry of balance of financial institution D account
The balance of the account corresponding to the card issued by institution D
When checking with the automatic transaction device 1D, first, the user:
Transaction menu displayed on display unit 101 from input unit 102
-Select "Balance Inquiry". Then, the input unit 10
2 is a selection signal indicating that "balance inquiry" has been selected.
Output to the control unit 111D. The control unit 111D
When a selection signal is input from the input unit 102, the user is
Message to insert the card into the card reader 103.
Display data for displaying a message is displayed on the display unit 101.
Output. The display unit 101 displays the display from the control unit 111D.
Prompt user to insert card when data is entered
Display messages in text or graphics. This Messe
The user who sees the page automatically trades his / her card
Insert into device 1D. Card reader of automatic transaction device 1D
103 is the card data written on the inserted card.
Data and outputs the card data to the control unit 111D.
I do. The control unit 111 </ b> D
When the password data is input, the
Prompts you to enter your PIN
Is output to the display unit 101 for display. Display 1
01 is input of display data from the control unit 111D
And a message prompting the user to enter a PIN
Display by letter or figure. Use that saw this message
The user inputs the password corresponding to the inserted card into the input section 10.
Enter from 2. The input unit 102 displays the password input by the user.
The certificate number is output to the control unit 111D. Control unit 111D
Is the card data and input from the card reader 103
When the password is input from the section 102, the financial institution storage section
The communication destination code stored in 107 is read.
Communication destination code, card data, password, input unit 102
At the transaction selected by the user (in this case,
Control of a transaction request signal containing a transaction code
Output to the unit 106D. The communication control unit 106D includes a control unit
When the transaction request signal from 111D is input, it is stored in advance.
Communication line with the management device 2b according to the communication procedure
Connection operation, and the communication line with the management device 2b is connected.
Then, the transaction request signal input from the control unit 111D is
The data is transmitted to the management device 2b via the communication line. Management equipment
The communication control unit 201b of the device 2b is connected to the automatic transaction device 1D
Control the transaction request signal when it receives the transaction request signal
Output to the unit 208b. The control unit 208b is a communication control unit
When the transaction request signal from 201b is input,
The destination code included in the request signal indicates which financial institution
Check if it is. Here, the communication destination code is
Since it is the financial institution code of financial institution D, the transaction request
The signal is output to the communication control unit 205D. Communication control unit 20
5D receives a transaction request signal from the control unit 208b.
Then, according to the communication procedure stored in advance, the financial institution
Card data, personal identification number, transaction code
Send a transaction request signal that includes the password. At this time, the communication history
The storage unit 206b stores the transaction request data and the communication destination
Memorize the code. First communication control unit 501 of financial institution D
D is a transaction request signal from the management device 2b via the communication line.
Receiving the transaction number, sends the transaction request signal to the control unit 505D.
Output. The control unit 505D includes a first communication control unit 501
When the transaction request signal from D is input, the transaction request signal
Is the financial institution code of the card data included in the financial institution D
Confirm that it is a financial institution code. Card data
Financial institution code is financial institution D's financial institution code
Therefore, the control unit 505D then proceeds to the account of the card data.
Whether the number is stored in account data storage unit 504D
And the password included in the transaction request signal is
Account data storage unit 50 as a password corresponding to the account number
It is determined whether it is stored in 4D. The card
The account number of the data is stored in the account data storage unit 504D.
And the password included in the transaction request signal is
Account data storage unit 5 as a password corresponding to the account number
04D, the first communication control unit 50
Information indicating that the transaction is permitted to 1D and the account
An authorization signal including balance data is output. First communication
The control unit 501D receives the permission signal from the control unit 505D.
Then, the permission signal is transmitted to the management device 2 via the communication line.
b. The communication control unit 205D of the management device 2b
Receiving a permission signal from the processing device 5D of the financial institution D
And outputs the permission signal to the control unit 208b. This and
Communication history storage unit 206b communicates with the received permission signal.
Store the trust code. The control unit 208b is a communication control unit
When the permission signal from 205D is input, the permission signal
Output to the communication control unit 201b. Communication control unit 201b
Transmits the permission signal input from the control unit 208b to the automatic transaction equipment.
To the device 1D via a communication line. Automatic transaction device 1D
The communication control unit 106 </ b> D receives a permission signal from the management device 2 b.
Is received, the permission signal is output to the control unit 111D.
You. The control unit 111D receives the permission from the communication control unit 106D.
When the signal is input, the balance data included in the permission signal
Display data for displaying the balance of the account according to
Is output to the display unit 101 and from the card reader.
Eject the card. The display unit 101 includes a control unit 111D
Input the display data from
To display the balance in characters or diagrams and notify the user. Use
The user checks the content displayed on the display unit 101, and
Take out the card ejected from the reader. In addition, financial machine
The control unit 505D of the processing device 5D of the Seki D has the first communication control
When a transaction request signal is input from the control unit 501D,
Account number of card data included in transaction request signal is account
Not stored in the data storage unit 504D, or
The password included in the request signal corresponds to the account number.
Stored in the account data storage unit 504D as a password
If not, the first communication control unit 501D
It outputs a non-permission signal indicating that the transaction is not permitted. No.
1 communication control unit 501D is not permitted by the control unit 505D.
When the enable signal is input, the non-permission signal is transmitted via the communication line.
To the management device 2b. Communication control unit of management device 2b
205D is a disapproval signal from the processing unit 5D of the financial institution D.
Signal, the non-permission signal is output to the control unit 208b.
Power. At this time, the communication history storage unit 206b
The rejection signal and the communication destination code are stored. Control unit 208
b is a non-permission signal from the communication control unit 205D
And outputs the non-permission signal to the communication control unit 201b.
The communication control unit 201b receives the input from the control unit 208b.
Send the permission signal to the automatic transaction device 1D via the communication line
You. The communication control unit 106D of the automatic transaction device 1D
When receiving the non-permission signal from the device 2b,
Is output to the control unit 111D. The control unit 111D performs communication
When a non-permission signal is input from the control unit 106D, the card
No account against data or wrong PIN
Display that the balance cannot be queried for reasons such as
Is output to the display unit 101 for display. Display
101 is input with display data from the control unit 111b.
And that the balance cannot be queried according to the display data
It is displayed in characters and figures to notify the user. (2) Check the balance of the account of the financial institution F The user holding the card of the financial institution F
Automatic transaction device 1 using a card issued by institution F
To check the balance of the account corresponding to the card by D
In this case, first, the user enters the display unit 101 from the input unit 102.
Select "Balance Inquiry" from the displayed transaction menu
You. Then, the input unit 102 selects “balance inquiry”.
Is output to the control unit 111D.
You. The control unit 111D receives the selection signal from the input unit 102
After input, the card is sent to the card reader 103 for the user.
To display a message prompting you to insert
The data is output to the display unit 101. The display unit 101
When the display data from the control unit 111D is input, the user
A message prompting you to insert a card
Display. The user who sees this message,
Is inserted into the automatic transaction apparatus 1D. Automatic trading
The card reader 103 of the device 1D
Read the written card data and read the card data
Is output to the control unit 111D. The control unit 111D
When card data is input from reader 103, it is used
Prompts the user to enter a password through the input unit 102
The display data for displaying the message is displayed on the display unit 10.
Output to 1. The display unit 101 receives an instruction from the control unit 111D.
When the display data is entered, the user enters the PIN
Is displayed in characters or figures. this
The user who saw the message responds to the inserted card
The personal identification number is input from the input unit 102. Input unit 102
Outputs the password input by the user to the control unit 111D.
I do. The control unit 111 </ b> D
Enter the password data and the password from the input unit 102.
Then, the communication destination code stored in the financial institution storage unit 107 is
Code, and the corresponding communication destination code, card data,
A communication request signal including a transaction number and a transaction code
Output to 6D. The communication control unit 106D includes a control unit 111
When the transaction request signal from D is input, it is stored in advance.
Connection of the communication line with the management device 2b according to the communication procedure
Performs the operation and connects to the communication line with the management device 2b.
And the transaction request signal input from the control unit 111D.
The data is transmitted to the management device 2b via the communication line. Management device 2b
The communication control unit 201b of the transaction from the automatic transaction device 1D
When the request signal is received, the transaction request signal is sent to the control unit 20.
8b. The control unit 208b includes a communication control unit 201
b, the transaction request signal is input.
The destination code included in indicates the financial institution
Check if it is. Here, the communication destination code is
Since it is the financial institution code of Seki D, the relevant transaction request signal
Output to the communication control unit 205D. Communication control unit 205D
Is input with a transaction request signal from the control unit 208a.
And the financial institution D according to the communication procedure stored in advance.
Card data, PIN, transaction code
Send a transaction request signal containing the code. At this time,
The history storage unit 206b stores the transaction request signal and the communication destination data.
Remember the data. First communication control unit 501 of financial institution D
D is a transaction request signal from the management device 2b via the communication line.
Receiving the transaction number, sends the transaction request signal to the control unit 505D.
Output. The control unit 505D includes a first communication control unit 501
When the transaction request signal from D is input, the transaction request signal
The financial institution code of the card data included in
Check if it is the financial institution code of the financial institution. Card de
Is the financial institution code of financial institution F.
Therefore, the control unit 505D next sets the card data,
A second communication of a transaction request signal including a transaction code and a transaction amount;
Output to the control unit 503D. Second communication control unit 503D
When the transaction request signal from the control unit 505D is input,
The financial institution code of the card data included in the transaction request signal
Stored in the communication procedure storage unit 502D based on the
Financial equipment corresponding to the relevant financial institution code in the communication procedure
Communication procedure with Seki, that is, with the processing unit 5F of the financial institution F
Read the communication procedure and follow the read communication procedure.
Of the financial institution F via the financial institution network 4
The connection operation of the communication line with the device 5F is performed. And financial machines
When the communication line between the processing device 5F of Seki F is connected,
A transaction request signal is transmitted to the processing device 5F of the financial institution F.
The communication control unit 503F of the processing device 5F of the financial institution F
Processing unit 5 of financial institution D via financial institution network 4
When receiving the transaction request signal from D, the transaction request signal
Is output to the control unit 505F. The control unit 505F communicates
When a transaction request signal is input from the control unit 503F,
Account number of card data included in transaction request signal is account
Whether it is stored in the data storage unit 504F, and
And the password included in the transaction request signal
Recorded in the account data storage unit 504F as the corresponding password
It is determined whether or not it is remembered. The mouth of the card data
The account number is stored in the account data storage unit 504F,
And the password included in the transaction request signal is the account number
In the account data storage unit 504F as a password corresponding to
If the transaction has been stored, the transaction is stored in the communication control unit 503F.
And the balance according to the balance of the account.
An enable signal including high data is output. Communication control unit 50
3F receives the permission signal from the control unit 505F,
The permission signal is transmitted to the financial machine via the financial institution network 4.
This is transmitted to the processing device 5D of Seki D. Second transmission of financial institution D
The receiving unit 503D receives the money via the financial institution network 4.
Upon receiving the permission signal from the processing device 5F of the fusion engine F,
The permission signal is output to the control unit 505D. Control unit 50
5D receives the permission signal from the second communication control unit 503D.
Then, the permission signal is sent to the first communication control unit 501D.
Output. The first communication control unit 501D includes a control unit 505
When the permission signal from D is input, the permission signal is managed.
To the device 2b. Communication control unit 205D of management device 2b
Receives the permission signal from the processing device 5D of the financial institution D.
Then, the permission signal is output to the control unit 208b. this
At this time, the communication history storage unit 206b stores the received permission signal
The communication destination code is stored. The control unit 208b performs communication control
When the permission signal from the unit 205D is input, the permission signal
Is output to the communication control unit 201b. Communication control unit 201b
Transmits the permission signal input from the control unit 208b to the automatic transaction equipment.
To the device 1b via a communication line. Automatic transaction device 1D
The communication control unit 106 </ b> D receives a permission signal from the management device 2 b.
Is received, the permission signal is output to the control unit 111D.
And communication connected with the management device 2b.
Disconnect the line. The control unit 111D controls the communication control unit 106
When the permission signal from D is input, it is included in the permission signal.
Display for displaying balance according to balance data
The data is output to the display unit 101. The display unit 101
When display data is input from the control unit 111D, the display
Write the balance of the account corresponding to the card according to the data
It is displayed in the form of a diagram or an image and notified to the user. The user can use the display
Check the content displayed on 101 and eject it from the card reader.
Take out the issued card. The processing equipment of the financial institution F
The control unit 505F of the device 5F reads from the communication control unit 503F.
When the transaction request signal is input, it is included in the transaction request signal.
The account number of the card data to be stored is the account data storage unit 504.
Not stored in F or included in the transaction request signal
Password as the password corresponding to the account number.
When not stored in the locus data storage unit 504F
Requests that the communication control unit 503F not permit the transaction.
And outputs the non-permission signal shown. The communication control unit 503F controls
When a non-permission signal is input from the control unit 505F, the
A possible signal is sent to the financial institution D via the financial institution network 4.
The data is transmitted to the processing device 5D. Of the processing unit 5D of the financial institution D
The second transmitting / receiving unit 503D connects the financial institution network 4
Via the processor 5F of the financial institution F via the
Upon receiving, the rejection signal is output to the control unit 505D.
And a communication line with the processing unit 5F of the financial institution F.
Disconnect. The control unit 505D includes a second communication control unit 503
When the disapproval signal from D is input, the
1 to the communication control unit 501D. First communication control unit
501D receives an input of a non-permission signal from the control unit 505D.
Then, the non-permission signal is transmitted to the management device 2b. management
The communication control unit 205D of the device 2b
When receiving the non-permission signal from the device 5D,
Is output to the control unit 208b. At this time, the communication history storage
The unit 206b records the received rejection signal and the communication destination code.
Remember The control unit 208b receives a request from the communication control unit 205D.
When the non-permission signal is input, the non-permission signal is transmitted to the communication control unit.
201b. The communication control unit 201b includes the control unit 2
08b to the automatic transaction device 1D
Transmit via the communication line. Communication control of automatic transaction device 1D
The unit 106D receives the non-permission signal from the management device 2b.
Then, the non-permission signal is output to the control unit 111D. System
The control unit 111D receives a non-permission signal from the communication control unit 106D.
Is entered, there is no account corresponding to the card data
Will not be able to check the balance due to the wrong password.
Display data for displaying the inability to perform
Output to 1. The display unit 101 receives an instruction from the control unit 111D.
When the display data is input, the balance according to the display data
Indicate that inquiries cannot be made by text or figures and inform users
Know. 4. Collection and replenishment of cash in the automatic transaction device 1a (1) Collection of cash When cash is transferred in the automatic transaction device 1D,
Cash inserted by the user into the automatic transaction device 1D is deposited in banknotes
It is put into the storage box of the mechanism 104 and stored in the storage box.
In the banknote depositing mechanism 104, the amount of cash in this storage box is
When it is detected that the predetermined amount has been exceeded, the amount of cash is set in advance.
Information indicating that the specified amount has been exceeded and the automatic
The near-full signal including the identification information of the transaction device is sent to the control unit 111.
Output to D. The control unit 111D controls the bill depositing mechanism 10
4 when the near full signal is input,
Is output to the communication control unit 106D. Communication control unit 106D
When the near full signal from the control unit 111D is input,
Performs the connection operation of the communication line with the management device 2b, and
2b, the near full communication is established.
To the management device 2b via the communication line,
2b is disconnected. Communication of the management device 2b
The control unit 201b receives the near full message from the automatic transaction device 1a.
Signal, the near-full signal is sent to the control unit 208b.
Output. The control unit 208b receives a request from the communication control unit 201b.
Is input to the individual information storage unit 203
Of the stored individual information, included in the near-full signal
Information corresponding to the identification information to be
Indicates that the amount of cash in the storage box of b has exceeded a predetermined amount
Display data for displaying information is output to the display unit 207.
Power. Contents displayed on the display unit 207 of the management device 2b
For collecting cash in the automatic transaction device 1b based on the
The clerk first displays on the display unit 101 from the input unit 102.
Select "Cash Collection" from the transaction menu. You
Then, the input unit 102 displays that “collect cash” has been selected.
Is output to the control unit 111D. Control unit
111D receives a selection signal from the input unit 102
Insert the card into the card reader 103
Display data to display a message prompting
Output to the display unit 101. The display unit 101 includes the control unit 11
When the display data from 1D is input, the user
Display a message prompting you to insert
You. The responder who saw this message,
Is inserted into the automatic transaction apparatus 1D. Automatic transaction device 1D
Card reader 103 writes on the inserted card
Reads the card data that has been
Output to 111D. The control unit 111D is a card reader
When the card data from 103 is input, the card data
Collation data stored in the collation data storage unit 112
It is determined whether it matches any of the data. The card
If the data is stored as collation data,
On the other hand, a message prompting the user to input the amount from the input unit 102
Display data for displaying the image is output to the display unit 101
I do. However, if the card data is
If they do not match, the card data does not match
Display data to display on the display unit 101.
After the input, the process ends. The display unit 101 includes the control unit 1
When the display data from 11D is input, it responds to the display data.
The message is displayed by text or graphic. Counselor
Inputs the amount of cash to be withdrawn from the input unit 102. Entering
The power unit 102 controls the amount (collected amount) input by the user.
Output to the control unit 111D. The control unit 111D includes the input unit 1
When the collection amount is input from 02, the collection amount
The amount data is output to the bill payment mechanism 105 and the card
Card from the bank and cash from the cash slot.
To display a message instructing you to retrieve
The display data is output to the display unit 101. Bill payment mechanism
Reference numeral 105 denotes input of money amount data from the control unit 111D.
And take out cash corresponding to the amount data from the storage box
And discharge it to the deposit / withdrawal port. The operator is displayed on the display unit 101.
Check the contents shown, and check the cash and
And remove the card ejected from the card reader. (2) Cash replenishment When cash is withdrawn in the automatic transaction device 1D,
Cash that the user withdraws with the automatic transaction device 1D is bill payment
It is discharged from the storage box of the mechanism 105. Bill payment mechanism 1
At 05, the amount of cash in this storage box falls below a predetermined amount.
Is detected, the amount of cash is set to a predetermined value.
Information indicating that the amount has fallen below the
Outputs a near-end signal including another information to the control unit 111D.
You. The control unit 111 </ b> D
When the near-end signal is input, the near-end signal is communicated.
Output to control unit 106D. The communication control unit 106D controls
When a near-end signal is input from the control unit 111D,
The connection operation of the communication line with the device 2b is performed, and the management device 2b
When the communication line is connected to the
Is transmitted to the management device 2b via the communication line,
disconnect the communication line with b. Communication system of management device 2b
The control unit 201b receives the near-end message from the automatic transaction device 1D.
When receiving the near-end signal, the control unit 208b
Output to The control unit 208b determines whether the communication control unit 201b
When these near-end signals are input, the individual information storage unit 20
3 among the individual information stored in the near-end signal
Individual information corresponding to the identification information included in the
When the amount of cash in the storage box of the device 1D falls below a predetermined amount
Display data for displaying information indicating
07. Displayed on the display unit 207 of the management device 2b.
To replenish the cash in the automated teller machine 1D based on the content
First, the operator instructed the display unit 101 from the input unit 102.
Select "Replenish cash" from the transaction menu displayed in
I do. Then, the input unit 102 selects “Replenish cash”
And outputs a selection signal indicating that the
You. The control unit 111D receives the selection signal from the input unit 102
When input, the card is sent to the card reader 103 for the agent.
To display a message prompting you to insert
The data is output to the display unit 101. The display unit 101
When the display data from the control unit 111D is input,
A message prompting you to insert a card
Display. The responder who saw this message,
Is inserted into the automatic transaction apparatus 1D. Automatic trading
The card reader 103 of the device 1D
Read the written card data and read the card data
Is output to the control unit 111D. The control unit 111D
When card data is input from the reader 103,
The card data is stored in the verification data storage unit 112
It is determined whether or not it matches any of the collation data. This
If the card data is stored as collation data,
Cash to the deposit / withdrawal port of bill depositing mechanism 104
Data to display a message prompting the user to enter
Is output to the display unit 101. The display unit 101 includes the control unit 1
When the display data from 11D is input, the response
Display a message prompting you to input money by text or graphic
You. When responding to this message, the responder enters replenishment cash.
Insert into the withdrawal port. Note that the control unit 111D
Data does not match any of the collation data
Is used to indicate that the card data does not match.
After outputting the display data to the display unit 101, the process ends.
You. The display unit 101 displays display data from the control unit 111D.
When is input, the message corresponding to the display data is
Or, it is indicated by a figure. The bill depositing mechanism 104 enters and exits
Calculate the amount of cash (replenishment amount) that has been inserted into the
Output the amount data according to the replenishment amount to the control unit 111D.
At the same time, put the cash into the storage box. System
The control unit 111D ejects the card from the card reader
And a message instructing removal of the ejected card.
Output display data for displaying a page to the display unit 101
I do. The display unit 101 displays the display data from the control unit 111D.
When the data is input, the card is removed according to the display data.
The message instructing the user is displayed in characters or figures. versus
The clerk checks the content displayed on the display unit 101 and
Take out the card ejected from the reader. 5. Cash management The control unit 111D of the automatic transaction device 1D stores the schedule
At the time stored in the storage unit 109, the transaction data
The transaction data stored in the storage unit 108 is read.
The transaction data and the automatic transaction device 1D
To the communication control unit 106D as closing data.
Power. The communication control unit 106D receives an instruction from the control unit 111D.
When the closing data is entered, the communication procedure stored in advance
Therefore, the connection operation of the communication line with the management device 2b is performed.
When the communication line is connected, the
To the device 2b. Communication control unit 201b of management device 2b
Is the closing date from the automated teller machine 1D via the communication line.
When the data is received, the closing data is output to the control unit 208b.
Power. The control unit 208b receives a request from the communication control unit 201b.
When the closing data is entered, the data included in the closing data
Transaction data stored in the transaction data storage unit 202.
Output to the index data storage unit. Second transaction data storage unit
Stores the transaction data input from the control unit 208b.
You. Then, the control unit 208b stores the first transaction data
Transaction data stored in the section and a second transaction data storage section
The transaction data stored in is collated. If they match
Uses the transaction data as confirmation data in the first storage unit.
Output. Note that the control unit 208b checks whether the two match.
The communication history stored in the communication history storage unit 206b.
Transaction stored in first transaction data storage unit based on credit history
Determine whether the data is correct. As a result, the first transaction data
If the transaction is confirmed to be correct,
The data is output to the first storage unit as confirmation data. Was
However, the transaction data stored in the first transaction data storage unit is
If it is not correct, it is included in the closing data.
From the individual information storage unit 203 based on the identification information
Read the individual information corresponding to the information, and
And the transaction data stored in the first transaction data storage unit.
Display data to indicate that the transaction amounts did not match
The data is output to the display unit 207. The display unit 207 controls
When the display data from the unit 208b is input, the input data
Data of the automatic transaction device 1D and
Acquisition of transaction data stored in the first transaction data storage unit
Indicate that the discount amount did not match by text or graphic
You. Thereafter, the control unit 208b of the management device 2b
When the time stored in the table storage unit 211 comes, the first
Of the confirmation data stored in the transaction data storage unit of
Transactions contained in a verification code with the same financial institution code
The amount is added and the financial institution code is stored in the amount storage unit 204.
Read the total amount stored corresponding to the
The total transaction amount is stored in the first transaction data storage unit.
The total amount obtained by adding the amount obtained from the confirmation data and the financial
Amount storage unit with financial institution code of institution as total amount data
Output to 204. The amount storage unit 204 includes a control unit 208
When the total amount data from b is input, the total amount data
Total amount of each financial institution based on the financial institution code included in
To be stored. Then, the control unit 208b calculates the total
The financial institution previously stored in the amount and amount storage unit 204
And the total amount of the financial institution
If it exceeds or falls below, the total amount of the financial institution
And that the total amount has deviated from the preset reference amount
The display data to be displayed is output to the display unit 207. display
The unit 207 receives display data from the control unit 208b.
The total amount of the financial institution according to the input signal.
The fact that the total amount has deviated from the preset reference amount
View more. In the second embodiment, the automatic transaction apparatus 1
D has explained the case of conducting various transactions,
The same operation is performed similarly when the automatic transaction device 1E is used.
U. However, a confirmation request sent from the automated teller machine 1E
The destination code included in the signal and the transaction request signal is financial
Since the financial institution code indicates the institution E, the management device 2b
Is a confirmation request signal transmitted from the automatic transaction device 1E and
The transaction request signal is sent to the financial institution E via the communication control unit 205E.
To the processing device 5E.

As described above, according to the settlement management system of the present invention, the control of the communication procedure with the financial institution is managed by connecting the public network or the dedicated line between the management device and the processing device of each financial institution. Since the equipment performs all at once,
There is no need to store communication procedures with a plurality of financial institutions in an automatic transaction device, and a single automatic transaction device can perform settlement processing with a plurality of financial institutions, and furthermore, provide an inexpensive automatic transaction device. Can be.

According to the settlement management system of the present application,
The management device can manage the collection and replenishment of cash in each automatic transaction device, collectively check the actual position in the automatic transaction device and the logical position calculated from the traded data, and furthermore If the actual position and the logical position do not match, the actual position and the logical position can be assured by checking the communication history with the financial institution. Collation can be performed.

[Brief description of the drawings]

FIG. 1 is a block diagram of a payment management system according to a first embodiment of the present invention.

FIG. 2 is a block diagram of a payment management system according to a second embodiment of the present invention.

[Explanation of symbols]

1a, 1D, 1E Automatic transaction device 101 Display unit 102 Input unit 103
Card reader 104 Banknote deposit mechanism 105 Banknote payment mechanism 106, 106D, 106E Communication control unit 107, 107D, 107E Financial institution storage unit 108 Transaction data storage unit 109 Schedule storage unit 110 High storage unit 111a, 111D, 1
11E control unit 112 collation data storage unit 2a, 2b management device 201, 201b communication control unit 202 transaction data storage unit 203 individual information storage unit 204 amount storage unit 205, 205D, 205E communication control unit 206, 206b communication history storage unit 207 display Units 208a, 208b Control unit 211 Schedule storage unit 3 Public network 4 Financial institution network 5A, 5B, 5C, 5D, 5E, 5F Processing device 501A, 501B, 501D, 501E First communication control unit 502A, 502D, 502E Communication procedure Storage units 503A, 503B, 503D, 503E Second communication control units 503C, 503F Communication control units 504A, 504B, 504C, 504D, 504E,
504F Account data storage unit 505A, 505B, 505C, 505D, 505E,
505F control unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme Court ゛ (Reference) G06F 15/30 310 (72) Inventor Nobuo Nishino 1-6-6 Moto-Akasaka, Minato-ku, Tokyo Sogo Security Inside Security Co., Ltd. (72) Inventor Toshimasa Gohara 1-6-6 Motoakasaka, Minato-ku, Tokyo Sogo Police Security Co., Ltd. (72) Inventor Yoko Yoshino 1-6-6 Motoakasaka, Minato-ku, Tokyo Within Sogo Police Security Co., Ltd. (72) Inventor Tohru Sato 1-6-6 Moto Akasaka, Minato-ku, Tokyo Within Sogo Police Security Co., Ltd. (72) Takeshi Fujimoto 1-6-1 Moto-Akasaka, Minato-ku, Tokyo No. 6 Inside Sogo Security Service Co., Ltd. (72) Inventor Tadashi Tokaibayashi 1-6-6 Moto-Akasaka, Minato-ku, Tokyo Inside Sogo Security Service Co., Ltd.

Claims (7)

[Claims] 1. A method according to claim 1, wherein one or a plurality of financial institution codes are stored in advance, and when at least a transaction type, a financial institution code, an account number, and a transaction amount are input in accordance with an operation of an operator, the financial institution code is stored in advance. It is determined whether or not it is stored as an institution code.If the financial institution code is stored in advance, a communication destination code corresponding to the financial institution code is selected, and the communication destination code and the financial institution code are determined. An automatic transaction device that transmits a transaction request signal including an account number, a transaction type, and a transaction amount to a management device, and, when a transaction request signal is received from the automatic transaction device, corresponds to a communication destination code included in the transaction request signal. A management device that transmits the transaction request signal to the processing device of the financial institution and, when receiving a permission signal from the processing device of the financial institution, transmits the permission signal to the automatic transaction device; At least the account number of one or more accounts, the transaction data and the financial institution code corresponding to each account number are stored, and when the transaction request signal is received from the management device, the financial institution code included in the transaction request signal is stored. It is determined whether or not the financial institution code is stored in advance, and if the financial institution code included in the transaction request signal is a previously stored financial institution code, the account number included in the transaction request signal is stored in advance. It is determined whether or not the account number matches the account number.If the account number included in the transaction request signal is stored in advance, a permission signal for permitting the transaction is transmitted to the management device, and the transaction request signal is transmitted. And a processing unit of the first financial institution for storing the transaction type and the transaction amount included in the transaction data as transaction data corresponding to the account number. . 2. The method according to claim 1, further comprising storing account numbers of at least one or a plurality of accounts, transaction data corresponding to each account number, and a financial institution code, and receiving a transaction request signal from a processing device of the first financial institution. It is determined whether or not the financial institution code included in the request signal is a pre-stored financial institution code. If the financial institution code included in the transaction request signal is a pre-stored financial institution code, the relevant transaction request code is determined. It is determined whether or not the account number included in the signal matches the account number stored in advance, and if the account number included in the transaction request signal is stored in advance, the first permission signal for permitting the transaction is issued. To the financial institution's processing unit,
A second storing the transaction type and the transaction amount included in the transaction request signal as transaction data corresponding to the account number;
Of the first financial institution, and the processing device of the first financial institution previously stores a communication procedure with the processing device of one or more financial institution corresponding to the financial institution code of each financial institution. If the financial institution code included in the transaction request signal from the management device is not the financial institution code of the own financial institution, the communication with the processing device of the second financial institution is performed according to the communication procedure corresponding to the financial institution code. And transmitting the transaction request signal to the processing device of the second financial institution, and transmitting the permission signal to the management device when receiving the permission signal from the processing device of the second financial institution. The settlement management system according to claim 1, wherein: 3. If the financial institution code input in response to the operation of the operator is not stored in advance, the automatic transaction apparatus may specify a communication destination code designated in advance among the stored financial institution codes. 3. The settlement management system according to claim 1, wherein a transaction request signal including the communication destination code, the financial institution code, and the account number is transmitted to the management device. 4. 4. A communication destination code is stored in advance, and when at least a transaction type, a financial institution code, an account number, and a transaction amount are input according to an operation of an operator, the communication destination code, the financial institution code, and the account are set. An automatic transaction device that transmits a transaction request signal including a number, a transaction type, and a transaction amount to a management device; and, when a transaction request signal is received from the automatic transaction device, a financial device corresponding to a communication destination code included in the transaction request signal. A management device that transmits the transaction request signal to the processing device of the institution and, when receiving a permission signal from the processing device of the financial institution, transmits the permission signal to the automatic transaction device; and an account number of at least one or a plurality of accounts and When the transaction data and the financial institution code corresponding to the account number are stored and the transaction request signal is received from the management device, the financial institution code included in the transaction request signal is reserved. It is determined whether it is the stored financial institution code, and if the financial institution code included in the transaction request signal is a previously stored financial institution code, the account number included in the transaction request signal is stored in advance. It is determined whether or not the account number matches the account number.If the account number included in the transaction request signal is stored in advance, a permission signal for permitting the transaction is transmitted to the management device, and the transaction request signal is A processing device of the first financial institution that stores the included transaction type and transaction amount as transaction data corresponding to the account number. 5. A method for storing account numbers of at least one or a plurality of accounts, transaction data corresponding to each account number and a financial institution code, and receiving a transaction request signal from a processing device of the first financial institution, It is determined whether or not the financial institution code included in the request signal is a pre-stored financial institution code. If the financial institution code included in the transaction request signal is a pre-stored financial institution code, the relevant transaction request code is determined. It is determined whether or not the account number included in the signal matches the account number stored in advance, and if the account number included in the transaction request signal is stored in advance, the first permission signal for permitting the transaction is issued. Of the second financial institution that transmits the transaction type and the transaction amount included in the transaction request signal as transaction data corresponding to the account number, while transmitting the transaction type to the processing device of the financial institution. A processing device of the first financial institution, the processing device of the first financial institution stores in advance a communication procedure with the processing device of one or more financial institutions corresponding to the financial institution code of each financial institution, and If the financial institution code included in the transaction request signal is not the financial institution code of the own financial institution, the transaction request signal is transmitted to the processing device of the second financial institution according to the communication procedure corresponding to the financial institution code. 5. The settlement management system according to claim 4, wherein when receiving a permission signal from a processing device of the second financial institution, the permission signal is transmitted to the management device. 6. The automatic transaction device stores transaction data including identification information, a financial institution code, a transaction type, an account number, and a transaction amount, which are given in advance, and transmits the transaction data to a management device. When the transaction data stored in the transaction data is transmitted to the management device as closing data, the management device receives the transaction data from the automatic transaction device, and stores a first transaction data storage unit that stores the transaction data;
And a communication history storage unit for storing a communication history including a signal transmitted and received with the financial institution, and receiving the closing data from the automatic transaction device, the transaction data and the closing data stored in the first transaction data. And determining whether the transaction data stored in the first transaction data storage unit is correct based on the communication history stored in the communication history storage unit if the two do not match. The settlement management system according to any one of claims 1 to 5, wherein 7. The management device according to claim 1, further comprising: a money amount storage unit for storing a reference amount and a total amount corresponding to each financial institution code, and based on the communication history stored in the communication history storage unit.
If it is determined that the data stored in the transaction data storage unit 1 is correct, the transaction data is stored as confirmation data, and at a preset time, the confirmation data is stored for each financial institution code for each financial institution code. The transaction amount of the confirmation data including the code is added to obtain the transaction total amount, the transaction total amount is added to the total amount stored in the amount storage unit, and the new total amount is stored in the amount storage unit. The new total amount is compared with the reference amount of the relevant financial institution code stored in the amount storage unit, and when the new total amount is outside the reference amount, the total amount of the relevant financial institution code is changed to the reference amount. 7. The settlement management system according to claim 6, wherein the system notifies the user of the departure.