JP2009070030A - Automatic transaction system and automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide sufficient service to customers by allowing for setting the time zone during which a customer is free of the commission for using an automatic transaction system for each customer. <P>SOLUTION: A host computer 5 stores account information for identifying the customer accounts and information of utilization time zone that shows the time zone during which a customer is free of the commission received from terminal devices (1-4) in a customer management database 6. An automatic transaction device 1 which has accepted the insertion of a card by the operation of the customer transmits the account information read from the card to the host computer 5. The host computer 5 extracts the information of the utilization time zone by searching the customer management database 6 based on the account information received, judges whether the current date and time falls into the utilization time zone extracted, and transmits the commission for using the automatic transaction device 1 in accordance with the result of the determination and displays on the automatic transaction device 1 to inform the customer. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention is an automatic transaction apparatus that is installed in a store such as a financial institution or a convenience store, accepts customer operations and performs transactions such as withdrawal of cash, and various information for each customer using the automatic transaction apparatus The present invention relates to an automatic transaction system comprising a host computer or the like provided with a database for storing information.

In the conventional automatic transaction system, the fee for each transaction type for each transaction time zone is stored in advance in the storage unit of the automatic transaction device as fee information, and the transaction type and transaction time zone are applicable based on the fee information. The fee to be displayed is displayed on the display unit, and the customer's operation is accepted to perform the selected transaction (for example, see Patent Document 1).
JP 2007-140881 A (paragraph "0009" to paragraph "0019", FIG. 2)

However, in the above-described conventional technology, since the fee for each transaction type predetermined for each financial institution is stored in the storage unit of the automatic transaction apparatus, the automatic transaction apparatus is used. There is a problem that the fee paid by the customer is a uniform fee predetermined for each financial institution, and the service that can be provided to the customer is not sufficient.
An object of the present invention is to solve such a problem.

  Therefore, in the automatic transaction system in which the automatic transaction apparatus that accepts the operation of the customer receives the permission of the host apparatus and performs transactions such as withdrawal transactions, the account information for identifying the account and the automatic transaction apparatus A terminal device that receives input of usage time zone information indicating a time zone for which a usage fee is free and transmits the account information and usage time zone information to a host device, and account information and usage time zone information received from the terminal device And a host device provided with a database that stores the information in association with each other, and the terminal device that has received the input of the account information and the usage time zone information transmits the account information and the usage time zone information to the upper device, and the higher level device receives the account information and the usage time zone information. The account information and usage time zone information stored in the database are stored in the database, and the automatic transaction apparatus that accepts the card insertion by the customer's operation is the card. The account information for identifying the customer's account read out is sent to the host device, the database is searched based on the account information received by the host device, the usage time zone information is extracted, and the current date and time is extracted. Determine whether it belongs to the usage time zone, send the usage fee of the automatic transaction device to the automatic transaction device according to the result of the determination, and display the usage fee received by the automatic transaction device on the display unit to the customer The feature is to let you know.

  The present invention as described above makes it possible to set a time zone in which the fee for using the automatic transaction apparatus is free for each customer, and the financial institution can provide a sufficient service to the customer. Is obtained.

  Embodiments of an automatic transaction system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of an automatic transaction system in the embodiment, FIG. 3 is an explanatory diagram showing a configuration of a customer management database in the embodiment, and FIG. 4 is an explanatory diagram of a use time code in the embodiment.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, which is installed at a store of a financial institution such as a bank or a store such as a convenience store, an airport, a station, or the like. The automatic transaction apparatus 1 accepts a customer's operation, receives a transaction permission from a host apparatus (described later) that is communicably connected via a communication line 7, and performs transactions such as cash withdrawal, cash deposit, and cashing. is there. The details of the automatic transaction apparatus 1 will be described later.

  Reference numeral 2 denotes a window terminal, which is installed at a window of a financial institution's sales office and accepts an operation of a staff member of the financial institution to process a transaction such as cash payment (withdrawal) desired by a customer. The window terminal 2 includes a control unit that performs calculation and control such as a CPU (Central Processing Unit) and an MPU (Micro Processing Unit), a storage unit such as a magnetic disk and a semiconductor memory, a CRT (Cathode Ray Tube), and a display such as a liquid crystal display. Department, operation part such as mouse and keyboard, scanner part that reads the slip that customer entered transaction contents etc., passbook slip printer part that prints the contents of the transaction performed on the passbook and slip, deposit and withdrawal of cash such as banknotes And a communication control unit that performs communication control of various data such as image data through the communication line 7.

  Reference numeral 3 denotes an information terminal, which is a normal personal computer. The information terminal 3 includes a control unit that performs calculation and control such as a CPU and MPU, a storage unit such as a magnetic disk and a semiconductor memory, an input unit such as a keyboard, a mouse, and a touch panel, a display unit such as a CRT and a liquid crystal display, a time and A clock unit that measures time and a communication unit that transmits and receives data via the communication line 7 are provided.

  Reference numeral 4 denotes a portable information terminal which is carried by a customer who uses the automatic transaction apparatus 1. The portable information terminal 4 includes a display unit such as a liquid crystal display, an input unit such as operation buttons, a communication unit that transmits and receives data via a communication line 7 including wireless communication and wired communication, and a storage unit that includes a semiconductor memory. , A mobile phone equipped with a control unit for controlling the whole based on a control program (software) stored in the storage unit, a PHS (Personal Handyphone System), a PDA (Personal Digital Assistant), a portable notebook personal computer, etc. It is.

It is assumed that the information terminal 3 and the portable information terminal 4 are communicably connected to a host computer 5 described later via a WEB server (not shown).
Reference numeral 5 denotes a host computer as a host device such as the automatic transaction apparatus 1, which is installed in a business center of a financial institution such as a bank. The host computer 5 includes a control unit that is a calculation and control unit such as a CPU and an MPU, a storage unit that is a storage unit such as a magnetic disk and a semiconductor memory, a communication unit that is a communication unit, and the like. Via the automatic transaction apparatus 1, the window terminal 2, the information terminal 3, the portable information terminal 4 and the like so as to be able to communicate with each other.

In addition, the host computer 5 transmits / receives a transaction message such as cash withdrawal and cash payment to / from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and to process the transaction. In addition, the user's account number and the customer's personal identification number are used to verify the identity of the person.
The control unit of the host computer 5 also has a calendar and a clock function that are means for measuring date and time.

  Reference numeral 6 denotes a customer management database, which is provided in the storage unit of the host computer 5 and stores a time period during which the usage fee of the automatic transaction apparatus 1 is free for each customer. As shown in FIG. 3, the customer management database 6 includes account information 61 such as an account number, which is information for identifying a customer account for each customer, and a time during which the automatic transaction apparatus 1 can be used with no usage fee. The usage time code 62 is a usage time zone information indicating a zone, the last change date 63 indicating the date when the usage time code 62 is changed, and the like. The usage time code 62 and the last change date 63 are associated with the account information 61. It is a stored database.

Therefore, the host computer 5 can search the customer management database 6 based on the account information 61 as a search key, and extract desired information such as the usage time code 62 and the previous modification date 63. .
For example, when the usage time code 62 is “01” as shown in FIG. 4, the time zone in which the customer's automatic transaction apparatus 1 is used is daytime on weekdays (8:00 to 18:00), and “02”. When the customer's automatic transaction device 1 is used during the weekday early morning / night (18:00 to 8:00), and “03”, the customer's automatic transaction device 1 is used on Saturdays, Sundays, and holidays during the daytime ( 8:00 to 18:00) and “04”, it is assumed that the customer's time zone for using the automatic transaction apparatus 1 indicates Saturday / Sunday / Holiday early morning / night (18:00:00 to 8:00).

As described above, the automatic transaction system includes the automatic transaction apparatus 1, the window terminal 2, the information terminal 3, the portable information terminal 4, the host computer 5, and the communication line 7 that connects them in a communicable manner.
Next, the structure of the automatic transaction apparatus 1 is demonstrated based on the block diagram which shows the structure of the automatic transaction apparatus in the Example of FIG.

  In FIG. 2, reference numeral 11 denotes a customer operation display unit, which includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 11 is a touch panel arranged on a display unit such as a CRT display or a liquid crystal display to detect an input operation performed by the customer. The screen for guiding the input operation and the like, and the input information and the like are displayed.

The input operation detected by the customer operation display unit 11 is notified by outputting a signal to a control unit described later.
A card unit 12 includes a card read / write mechanism and a card transport mechanism. The card unit 12 includes an IC card read / write mechanism, a magnetic card read / write mechanism, and the like, and reads information recorded on the IC chip or magnetic stripe of the card inserted into the card insertion / return slot by the operation of the customer. Arbitrary information can be recorded.

Further, the card insertion / return slot is provided with a mechanism for detecting insertion of a card and a mechanism for detecting receipt of the card, and the card whose information has been read or written is discharged from the card insertion / return slot and returned to the customer. Be able to.
Further, the card unit 12 includes a statement slip transport mechanism and a statement slip printing mechanism, and prints transaction details and the like performed by a customer operation on the statement slip by the statement slip printing mechanism, and the statement slip by the statement slip transport mechanism. It can be discharged from the outlet and issued to customers.

It is assumed that account information for identifying an account held by the customer such as an account number is recorded on the IC chip or the magnetic stripe of the card.
Reference numeral 13 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine. The deposit / withdrawal unit 13 performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal transactions and cash deposit transactions. Here, the deposit processing means that the banknotes that the customer puts in the deposit / withdrawal slot are counted by the banknote depositing / dispensing machine and stored in the safe, and the coins that have been put into the deposit / withdrawal slot are counted by the coin depositing / dispensing machine and stored in the safe. That is. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are paid out from the banknote deposit / withdrawal machine and coin depositing / dispensing machine safe, counted, and delivered to the deposit / withdrawal port. It is.

The deposit / withdrawal port is provided with a mechanism for detecting inserted banknotes and coins, and a mechanism for detecting receipt of conveyed banknotes and coins.
In addition, the depositing / withdrawing part 13 is not restricted to what was comprised with the banknote depositing / withdrawing machine and the coin depositing / withdrawing machine, and may be comprised only with the banknote depositing / withdrawing machine.
Reference numeral 14 denotes a storage unit which is configured by a semiconductor memory, a magnetic disk or the like, stores information, and can read the stored information. The storage unit 14 stores a control program (software) for controlling the overall operation of the automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like.

  Reference numeral 15 denotes a control unit, which is composed of arithmetic and control means such as a CPU. The control unit 15 includes the customer operation display unit 11, the card unit 12, the deposit / withdrawal unit 13, the storage unit 14, and a communication unit (not shown) that controls communication with the host computer 5 and the like. Is controlled based on a control program (software) stored in the storage unit 14. The control unit 15 also has a calendar and a clock function that are means for measuring the date and time and the like.

The operation of the above configuration will be described.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).
First, a process for registering a usage time zone in which the usage fee of the automatic transaction apparatus 1 is free will be described.

A customer who uses the automatic transaction apparatus 1 may register in advance a use time period during which the use fee is free using the automatic transaction apparatus 1, the window terminal 2, the information terminal 3, or the portable information terminal 4 as a terminal device. It can be done.
The case where the use time zone in which the use fee is free using the automatic transaction apparatus 1 is registered will be described below.

The control unit 15 of the automatic transaction apparatus 1 that has detected the approach of the customer with the proximity sensor causes the customer operation display unit 11 to display a transaction selection screen for selecting a transaction.
This transaction selection screen is a message that prompts you to press a transaction selection button such as “Please press the desired transaction”, “Draw out” button to execute the withdrawal transaction, and to execute the deposit transaction A transaction button for selecting a transaction, such as a “deposit” button, a “use time setting” button for executing a transaction for registering a use time zone in which a use fee is free, and the like.

In this embodiment, it is assumed that the customer presses the “use time setting” button.
The customer operation display unit 11 accepts pressing of the “use time setting” button, and the control unit 15 that detects the pressing displays a word prompting insertion of the card, an illustration of the card, and a “cancel” button for canceling the transaction. The card insertion guidance screen is displayed on the customer operation display unit 11.
The customer inserts the card into the card insertion / return slot according to the card insertion guidance screen, and the card unit 12 that detects the card insertion takes the card and reads the account information such as the customer's account number recorded on the card. The control unit 15 stores the account information in the storage unit 14.

  When the account information recorded on the card is read, the control unit 15 displays a usage time zone selection screen for selecting the usage time zone of the automatic transaction apparatus shown in FIG. This usage time zone selection screen includes the words such as “ATM usage time zone selection screen, please select the time zone that you use most often” and the weekday daytime (8: 00-18: 00). Select button for selecting, Select button for selecting early morning / nighttime (18:00 to 8:00) on weekdays, Select daytime on Saturdays, Sundays, and holidays (8: 00 to 18:00) Selection button for selecting, a selection button for selecting an early morning / night time (18: 00 to 8:00) on Saturdays, Sundays, and holidays, and a "return" button for returning to the previous screen. is there. “ATM” indicates an automatic transaction apparatus.

It is assumed that the customer presses one of the selection buttons on the usage time zone selection screen.
The customer operation display unit 11 accepts the pressing of the selection button, and the control unit 15 that detects the pressing converts the time zone of the pressed selection button into a usage time code, along with the account information stored in the storage unit 14. The usage time code is transmitted to the host computer 5.
The control unit of the host computer 5 stores the received account information and usage time code in the account information 61 and usage time code 62 of the customer management database 6, respectively, and further stores the account information 61 and usage time code 62 on the previous change date 63. The date of use is stored, and the usage time zone when the usage fee is free is registered.

When the control unit of the host computer 5 stores the received account information and usage time code in the account information 61 and usage time code 62 of the customer management database 6, it searches the customer management database 6 based on the received account information. Then, it is determined whether or not the account information and usage time code have already been registered.
If it is determined that it has already been registered, the previous change date 63 is further extracted, and it is determined whether or not a predetermined number of days, for example, 14 days or more have elapsed since the previous change date. When it is determined that the specified number of days has not passed, registration of the usage time period in which the usage fee is free is rejected, and when it is determined that the predetermined number of days has passed, the usage time period in which the usage fee is free Shall be registered.

By doing so, it is possible to prevent fraudulent re-registration of the usage time zone in which the usage fee is frequently free.
As described above, the automatic transaction apparatus 1 is used to register the usage time period during which the usage fee is free.
Next, the case where the use time zone in which the use fee is free using the window terminal 2 is registered will be described below.

It is assumed that the control unit of the window terminal 2 displays a job selection screen for causing the display unit to select a job.
This business selection screen is a text prompting you to select a business such as “Please select a business”, “Withdraw” button for executing a withdrawal transaction, “Deposit” for executing a deposit transaction The button is composed of buttons for selecting a business such as a “use time setting” button for executing a transaction for registering a use time zone in which the use fee is free.

In this embodiment, it is assumed that the staff selects the “use time setting” button on the operation unit.
The selection of the “use time setting” button is received by the operation unit, and the card unit waits for insertion of the card according to an instruction of the control unit that detected the selection.
The customer inserts the card into the card insertion / return slot according to the guidance of the clerk, the card unit that detects the insertion of the card takes in the card, reads the account information such as the customer's account number recorded on the card, and the control unit Stores the account information in the storage unit.

  When the account information recorded on the card is read, the control unit displays a usage time zone selection screen for selecting the usage time zone of the automatic transaction apparatus shown in FIG. This usage time zone selection screen includes the words such as “ATM usage time zone selection screen, please select the time zone that you use most often” and the weekday daytime (8: 00-18: 00). Select button for selecting, Select button for selecting early morning / nighttime (18:00 to 8:00) on weekdays, Select daytime on Saturdays, Sundays, and holidays (8: 00 to 18:00) Selection button for selecting, a selection button for selecting an early morning / night time (18: 00 to 8:00) on Saturdays, Sundays, and holidays, and a "return" button for returning to the previous screen. is there.

The clerk asks the customer and selects one of the selection buttons on the use time zone selection screen.
Upon detecting the selection, the control unit converts the time zone of the selected selection button into a usage time code, and transmits the usage time code to the host computer 5 together with the account information stored in the storage unit.

Since the process of registering the account information and usage time code received by the control unit of the host computer 5 in the customer management database 6 is the same as the process described above, the description thereof is omitted.
As described above, the use time zone in which the use fee is free is registered using the window terminal 2.
Next, the case where the information terminal 3 is used to register the use time zone in which the use fee is free will be described below.

Assume that the control unit of the information terminal 3 accesses a WEB server (not shown) and displays the home page of the financial institution on the display unit.
This homepage introduces financial institutions, explains services to be provided, and buttons for selecting transactions such as the “Usage time setting” button for executing transactions that register usage hours when usage fees are free It is composed of

In this embodiment, it is assumed that the customer selects the “use time setting” button on the operation unit.
When the selection of the “use time setting” button is received by the operation unit, the control unit displays a use time zone selection screen for selecting the use time zone of the automatic transaction apparatus shown in FIG. This usage time zone selection screen includes the words such as “ATM usage time zone selection screen, please select the time zone that you use most often” and the weekday daytime (8: 00-18: 00). Select button for selecting, Select button for selecting early morning / nighttime (18:00 to 8:00) on weekdays, Select daytime on Saturdays, Sundays, and holidays (8: 00 to 18:00) Selection button, selection button for selecting a time zone of Saturday / Sunday / Holiday early morning / night (18: 00 to 8:00), an area for inputting account information such as a customer account number, and the previous screen It consists of a “return” button or the like for returning to

The customer selects any selection button on the usage time zone selection screen and inputs account information such as an account number in an area for inputting account information.
The control unit that has detected the selection and input converts the time zone of the selected selection button into a usage time code, and transmits the usage time code together with the input account information to the host computer 5 via the WEB server.

Since the process of registering the account information and usage time code received by the control unit of the host computer 5 in the customer management database 6 is the same as the process described above, the description thereof is omitted.
As described above, the information terminal 3 is used to register the use time period during which the use fee is free.
In addition, when using the portable information terminal 4 and registering the use time zone when the use fee is free, it is the same as when the information terminal 3 is used.

Next, transaction processing performed by the automatic transaction apparatus will be described in accordance with steps represented by S in the flowchart of the transaction processing in the embodiment of FIG.
S1: The control unit 15 of the automatic transaction apparatus 1 displays on the customer operation display unit 11 a card insertion instructing screen displaying a word prompting insertion of a card, an illustration of the card, and a “cancel” button for canceling the transaction.

S2: The customer inserts the card into the card insertion / return slot according to the card insertion guidance screen, and the card unit 12 that detects the insertion of the card takes in the card, and the account information such as the account number of the customer recorded on the card The control unit 15 stores the account information in the storage unit 14.
S 3: The control unit 15 reads account information from the storage unit 14 and transmits the account information to the host computer 5.

S4: The host computer 5 receives the customer account information transmitted from the automatic transaction apparatus 1.
S5: The control unit of the host computer 5 searches the customer management database 6 based on the received account information, extracts the usage time code 62, and stores it in the storage unit.
S6: The control unit of the host computer 5 obtains the current date (date, day of week, holiday, etc.) and date and time by using the calendar function and the clock function, and the usage time code obtained by extracting the date and time is obtained. Compared to the usage time zone shown, whether or not the current date and time belong to the usage time zone, that is, the time zone in which the usage fee for which the current date and time is already registered is free It is determined whether or not.

  S7: If it is determined that the current date and time belong to the usage time zone indicated by the extracted usage time code, the process proceeds to S8. If it is determined that the current date does not belong, the process proceeds to S9. For example, when the current date and time are Monday, July 1, 2007, 9:00, the usage time code registered in the customer management database 6 is 01 (weekday daytime (8: 00 to 18:00). )), It is determined that it belongs to the usage time zone indicated by the usage time code, and when the usage time code is not 01, it is determined that it does not belong to the usage time zone indicated by the usage time code.

Even when the usage time code 62 cannot be extracted in S5, the process proceeds to S9 assuming that the current date and time do not belong to the usage time zone indicated by the extracted usage time code.
S8: When it is determined that it belongs to the usage time zone indicated by the usage time code, the control unit of the host computer 5 transmits a fee amount of 0 yen indicating that the usage fee is free to the automatic transaction apparatus 1, and the process proceeds to S10. .

S9: If it is determined that it does not belong to the usage time zone indicated by the usage time code, the control unit of the host computer 5 calculates a usage fee predetermined for each transaction type, usage time zone, etc., and the fee is calculated from the customer's account. Withdrawing, the usage fee amount is transmitted to the automatic transaction apparatus 1, and the process proceeds to S10.
S10: Upon receiving the usage fee from the host computer 5, the control unit 15 of the automatic transaction apparatus 1 displays the fee and a confirmation button for proceeding with processing on the customer operation display unit 11. It is assumed that the customer confirms the fee displayed on the customer operation display unit 11 and presses a confirmation button.

The control unit 15 that has detected that the confirmation button has been pressed displays a transaction selection screen for selecting a transaction on the customer operation display unit 11.
S11: The control unit 15 of the automatic transaction apparatus 1 executes a transaction such as a withdrawal transaction selected by the customer.
S12: When the transaction is executed, the card unit 12 issues a statement printed on the fee together with the contents of the executed transaction to the customer according to an instruction from the control unit 15, and ends the transaction.

In this way, the automatic transaction apparatus 1 performs a transaction.
In addition, the usage fee required at the current date and time is displayed on the customer operation display unit 11 without executing the transaction described above, or a statement slip printed with the usage fee is issued to the customer, and the necessary fee is charged. You may make it notify a customer.
Further, in this embodiment, when the customer selects the usage time zone, the usage time zone is selected from the preset usage time zone patterns. You may make it convert into a use time code.

  As described above, in this embodiment, a customer management database in which a time zone in which a fee is free for each customer is registered is provided in the host computer, so that a fee for using the automatic transaction apparatus is free for each customer. The time zone can be set, and the financial institution can provide sufficient services to the customers.

The block diagram which shows the structure of the automatic transaction system in an Example The block diagram which shows the structure of the automatic transaction apparatus in an Example. Explanatory drawing which shows the structure of the customer management database in an Example Explanatory drawing of usage time code in the embodiment Explanatory drawing of the screen which selects the use time zone of an automatic transaction device in an example Flow chart showing transaction processing in the embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Window terminal 3 Information terminal 4 Portable information terminal 5 Host computer 6 Customer management database 7 Communication line 11 Customer operation display part 12 Card part 13 Deposit / withdrawal part 14 Storage part 15 Control part

Claims (4)

In an automatic transaction system in which an automatic transaction apparatus that accepts a customer's operation receives a permission of a host apparatus and performs a transaction such as a withdrawal transaction,
A terminal device that accepts input of account information for identifying an account and usage time zone information indicating a time zone in which the usage fee of the automatic transaction apparatus is free, and transmits the account information and usage time zone information to a host device;
Provided with a host device comprising a database for storing the account information and usage time zone information received from the terminal device in association with each other,
The terminal device that has received the input of account information and usage time zone information transmits the account information and usage time zone information to the host device, and stores the account information and usage time zone information received by the host device in the database. Every
The automatic transaction apparatus that accepts the card insertion by the customer's operation transmits the account information for identifying the customer's account read from the card to the upper apparatus, and searches the database based on the account information received by the upper apparatus. The usage time zone information is extracted, and it is determined whether or not the current date and time belongs to the extracted usage time zone, and the usage fee of the automatic transaction device is transmitted to the automatic transaction device according to the result of the determination. An automatic transaction system characterized in that a usage fee received by a transaction device is displayed on a display unit to inform a customer. In the automatic transaction system of claim 1,
An automatic transaction system, wherein the terminal device is one of an automatic transaction device, a window terminal, an information terminal, and a portable information terminal. In the automatic transaction system according to claim 1 or claim 2,
In the database, a date of the last modification that stores the date of storing the usage time zone information in association with the account information is provided,
When the host device stores the usage time zone information received from the terminal device, the database is searched based on the received account information to extract a previous modification date, and a predetermined date from the date indicated by the previous modification date is determined. An automatic transaction system characterized in that the usage time zone information is stored in the database when the number of days has passed. In an automatic transaction device that accepts customer operations, receives permission from the host device, and conducts transactions such as withdrawal transactions,
An operation unit that accepts input of account information for identifying an account and usage time zone information indicating a time zone in which the usage fee of the automatic transaction apparatus is free;
Provided with the communication unit for receiving the account information and the usage time zone information received input in the operation unit to the host device and receiving the usage fee of the automatic transaction device from the host device,
The account information and use time zone information received by the operation unit are transmitted to the host device, and the account information and use time zone information are associated and stored in the storage unit of the host device, and from the card inserted by the customer's operation Account information for identifying the read customer account is transmitted to the host device, and the usage fee calculated according to the determination as to whether or not the current date and time belongs to the stored use time zone is the host device. The automatic transaction apparatus is characterized in that the usage fee is received on the display unit and notified to the customer.