JP2012063903A - Financial transaction system and transaction method thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial transaction system enabling collection of appropriate fees even if multiple transactions are unavoidably executed due to either legal, bank's, or user's circumstances; and a transaction method thereof.SOLUTION: A transaction center 12 controls communication between a transaction data storage 22 and a reservation processing function application (AP) 24, and an ATM terminal device by a control unit 20. The reservation processing function application AP 24 has a set daily limit amount for financial transaction, determines whether or not a transaction amount input by the user exceeds the limit amount, associates reservation items to register them as reservation information in the transaction data storage 22, and performs cash dispensing after adding a fee required for the transaction amount. In subsequent cash dispensing, the reservation processing function application AP 24 determines cash dispensing for only the difference with the transaction amount or the difference with the transaction amount including the fee, based on the registered reservation data to execute a transaction.

Description

  The present invention relates to a financial transaction system and a transaction method thereof. In particular, the financial transaction system is a system constructed by a bank cash automatic deposit payment machine and a transaction center as a transaction terminal device, and the transaction method of the financial transaction system trades information from the cash deposit payment machine. It is suitable to be applied to a billing process managed at the center and collected as a fee required for the transfer of the automatic teller machine based on this information.

  The automatic transaction apparatus of patent document 1 is ATM which has the transfer commission database which memorize | stored the transfer commission classified according to transfer destination classification | category and transfer conditions. This ATM searches the transfer fee database by the transfer destination input means that allows the user to display the transfer input screen on the input operation section and input the transfer bank name and account number, and the transfer bank code and account number, Fee confirmation means to confirm the transfer destination category, and to determine the transfer fee for each transfer condition corresponding to the transfer destination category, and display the transfer fee for each confirmed transfer condition in the input operation section, to the user the transfer condition Transfer condition selection means for selecting one of the above.

  2. Description of the Related Art Conventionally, an automatic teller machine (ATM) has a transaction limit such as one-day payment. Currently, the transaction limit due to the transfer fraud increase countermeasure is set lower than ever in order to reduce the damage amount.

  When purchasing expensive products and travel tickets and paying the purchase price, the purchase price may exceed the above transaction limit. In this case, the remittance transaction cannot be completed at once. Multiple remittance transactions will be implemented by completion.

  By the way, Patent Document 1 proposes a method and apparatus for informing a user in advance of a transfer condition and a fee for a transfer transaction by ATM.

JP 2010-160603 A

  However, in the case of this multiple transaction, even if the remittance fee was paid in the first transaction, the financial institution will request a fee depending on the time when retransmitting the remittance after the next day. Had paid a fee. The remittance is paid a fee to complete the transaction, which is a major cause of complaints against financial institutions.

  In view of the above problems, the present invention provides a financial transaction system and a transaction method thereof that enable collection of an appropriate fee even if transactions are forced to be performed multiple times for the convenience of any law, bank or user. The purpose is to do.

  In order to solve the above-mentioned problem, the present invention is a financial transaction system for transacting financial transactions between a terminal device and a transaction aggregating device having a storage means in a database. The limit amount that can be handled in one day is set, it is judged whether the transaction amount entered by the user exceeds the limit amount, and the reservation for the second and subsequent transactions divided by the user's instruction is registered Depending on whether or not to make a reservation, this reservation item is associated and registered as reservation data, with a fee charged for the transaction amount, withdrawn, and in subsequent withdrawals, only withdrawal of the difference in transaction amount, and One of the withdrawals of the transaction amount with a fee charged is determined based on the registered reservation information, and a storage processing means for registering and managing the reservation processing means for transaction and the reservation data for each reservation When the financial transaction system, characterized in that it comprises the operation of the reservation processing means, and control means for controlling the operation of the communication and storage means between this system.

  In order to solve the above-mentioned problem, the present invention is a transaction method of a financial transaction system for transacting financial transactions between a terminal device and a transaction aggregation device having storage means in a database, and this transaction aggregation device The limit amount that can be handled in one day in financial transactions is set, it is determined whether or not the transaction amount input by the user exceeds the limit amount, and the second and subsequent divided by the user's instructions Depending on whether or not to register a reservation for a transaction, this reservation item is associated and registered as reservation data, with a fee charged for the transaction amount, withdrawn, and in subsequent withdrawals, only the difference in transaction amount Judgment of the transaction amount and the withdrawal of the difference of the transaction amount with a fee charged, based on the registered reservation data, and registering the reservation processing means and the reservation data for each transaction A storage means for managing, and an operation of the reservation processing means, a control means for controlling the communication between the systems and the operation of the storage means, and this method is input by the user at the reservation processing means via the terminal device. The first step of determining whether or not the transaction amount exceeds the limit amount, and if the transaction amount exceeds the limit amount, whether to select whether reservation registration is possible or cancel this reservation registration in the reservation processing means A second step of transmitting the display screen data as a reservable code to the terminal device used by the user, registration of the reservation by the reservation processing means and selection of the reservation by canceling the reservation by selection by the user, With the third step of avoiding registration of reservation data by refusing registration of reservation, and by controlling the transaction aggregation device, the terminal device used by the user is allowed to withdraw the total amount of the limit amount charged with the fee Step 5; a fifth step of transmitting a search for presence / absence of reservation from the terminal device used by the user to the storage means at a later date; and whether the storage means has a registration of a reservation corresponding to the user in the reservation processing means. A sixth step of searching whether or not the data corresponding to the presence / absence of reservation registration is transmitted to the terminal device used by the user, and the data corresponding to the presence / absence of reservation registration is output. A seventh step of causing the terminal device to execute either a withdrawal process for only the difference between the transaction amounts and a withdrawal process for the difference between the transaction amounts with a fee charged in response to refusal of registration of the reservation. It is characterized by that.

  According to the present invention, a transaction is reserved and registered in advance in the storage means of the transaction aggregating apparatus, and a fee is charged as a charge in the case of reservation registration and reservation cancellation or reservation registration avoidance in the processing of the reservation processing means. Since the amount of money is withdrawn and a subsequent transaction amount difference is withdrawn, a fee is not repeatedly collected for the reservation registration user, so that the user's complaint can be almost eliminated.

It is a block diagram which shows the schematic structure of the Example using the financial transaction system which concerns on this invention. It is a sequential chart which shows the operation | movement procedure of the event check and reservation registration in the financial transaction system of FIG. It is a figure which shows an example of the reservation selection screen displayed on the ATM terminal device of FIG. It is a sequential chart which shows the operation | movement procedure of a later process in the financial transaction system of FIG. It is a figure which shows one screen in case there exists a some reservation displayed on the ATM terminal device of FIG. It is a figure which shows one screen when there is no reservation displayed on the ATM terminal device of FIG.

  Next, an embodiment of a financial transaction system according to the present invention will be described in detail with reference to the accompanying drawings. Referring to FIG. 1, the embodiment of the financial transaction system according to the present invention is characterized by a transaction center 12. The transaction center 12 is set with a limit amount that can be handled in a financial transaction per day, and includes a control unit 12, a transaction data storage 22, and a reservation processing application (AP) 24. The control unit 20 operates the reservation processing AP 24, The communication between the system 10 and the ATM terminal device and the operation of the transaction data storage 22 are controlled, and the reservation processing AP 24 determines whether or not the transaction amount input by the user exceeds the limit amount. In accordance with whether or not to register a reservation for the second and subsequent transactions divided according to the instructions, register this reservation item in association with the reservation data, withdraw the fee charged for the transaction amount, and thereafter With regard to withdrawals, the transaction amount is determined based on the registered reservation information, either the withdrawal of the difference in the transaction amount or the withdrawal of the difference in transaction amount with a fee charged. 24 is In event check AP 26, it is determined whether the transaction amount exceeds the limit amount. In reservation registration processing AP 28, reservation data is registered by user registration and cancellation of this reservation, and reservation reservation rejection is made. Withdraw data processing, withdraw the total amount of the limit amount charged with a fee, withdraw processing of the difference of the transaction amount according to the reservation registration at the later processing AP 30, and refusal of registration of the reservation The transaction is reserved and registered in advance in the transaction data storage 22 of the transaction center 12 by executing one of the withdrawal processes for the difference in transaction amount with a fee charged according to Withdrawal of the transaction amount with charge set according to the possibility of collecting a fee as a charge in accordance with registration, cancellation of reservation and avoidance of reservation registration, and withdrawing the difference of the transaction amount thereafter, it will be repeated to the user of reservation registration Because it does not charge a fee returns, it can be substantially eliminated the user of the claim.

  The illustration and description of parts not directly related to the present invention are omitted. In the following description, the signal is indicated by the reference number of the connecting line in which it appears.

  As shown in FIG. 1, the financial transaction system 10 includes a transaction center 12 and ATM terminal devices 14, 16 and 18. The transaction center 12 has a function of holding the supplied transaction data and managing the financial transaction and each terminal device so as to satisfy the user's request based on the held transaction data. As shown in FIG. 1, the transaction center 12 includes a control unit 20, a transaction data storage 22, and a reservation processing application (AP: APplication) 24. Transaction center 12 may be a server device.

  The control unit 20 controls the operations of the transaction data storage 22 and the reservation processing AP 24, and controls data communication associated with transactions with the ATM terminal devices 14, 16 and 18. The control unit 20 may be an application server device.

  The transaction data storage 22 has a storage function for storing customer transaction data. Transaction data storage 22 is a combination of multiple HDDs (Hard Disk Drives), SSDs (Solid State Drives) and optical disks to create a single virtual HDD, RAID (Redundant Arrays of Inexpensive Disks, or Redundant Arrays of Independent) Disks) may be operated. The stored transaction data is indexed. The transaction data storage 22 is used for processing of a database processing function that reads software, that is, transaction data corresponding to execution of the application, from the transaction data storage 22 and links data that meets the request, and further, the obtained data is used for each application. Supply.

  The reservation processing AP 24 includes an event check AP 26, a reservation registration processing AP 28, and a later processing AP 30. The event check AP 26 has a function of determining whether or not a transaction exceeding the transaction limit amount per day in the ATM terminal device has occurred, and generating a code corresponding to the determination. The reservation registration processing AP 28 has a function of saving and registering user information, reservation information, and the difference amount between the transaction amount and the transaction amount actually transferred in association with the user's selection. Further, the later processing AP 30 has a function of executing a predetermined transaction in a procedure according to whether or not reservation registration is possible in the reservation registration processing AP 28.

  The transaction center 12 of the present embodiment clearly shows only the reservation processing AP 24 to the transaction center 12 of FIG. 1 as a feature of the present invention, but in addition to withdrawal, deposit, transfer, credit processing, balance inquiry, bookkeeping and periodic Has a handling AP. Moreover, although the transaction of a present Example describes transfer, it may be applied also to credit processing.

  The ATM terminal devices 14, 16 and 18 are used to input / acquire data for cash deposits / withdrawals, transfers, credits, periodic handling and reservation transactions, and transaction data generated based on the entered data. It has a function to display the transmitted / received transaction data. For example, at least one ATM terminal device is installed at a bank branch.

  For example, the ATM terminal devices 14 and 16 indicate the installation status of Bank A branch I, and the ATM terminal device 18 indicates the installation status of Bank B branch K. The ATM terminal devices 14 and 16 and the ATM terminal device 18 are connected to the transaction center 12 via lines 32 and 34, respectively.

  Next, a procedure between the ATM terminal device 14 selected by the user in the financial transaction system 10 and the transaction center 12 will be described with reference to FIG. At time T10, the user presses a transfer key on the touch panel screen of the ATM terminal device 14 to select a transfer process for the ATM terminal device 14. By this selection, the ATM terminal apparatus 14 executes transfer preparation.

  Here, as transfer preparation, either “cash” or “cash card” is selected for transfer. In this embodiment, transfer by “cash card” is selected. In response to this selection, a message “Please insert card” is displayed on the touch panel screen. When the “cash card” is inserted into the insertion slot, the ATM terminal device 14 requests input of a personal identification number. When the correct number is input, the process proceeds to the transfer process.

  At time T12, the user transfers the information to the ATM terminal device 14 as information on the recipient's bank, branch, account type and account number at that branch, and the name, telephone number, and The transfer amount or remittance amount is entered by pressing the touch panel key of the user.

  In this embodiment, the transfer amount is 1 million yen, and the remittance limit is 500,000.

  The ATM terminal device 14 transmits these input data as transaction data 36 to the transaction center 12 at time T14.

  The transaction center 12 receives the supplied transaction data 36. The transaction center 12 activates the event check AP 26 under the control of the control unit 20 in response to reception. The event check AP 26 determines whether or not the remittance amount is greater than or equal to the limit amount in the transaction data 36 input at time T16. When it is determined that the remittance amount is equal to or greater than the limit amount, the transaction center 12 displays a message corresponding to the payment failure, generates a reservable code for instructing the transaction message to be reservable, and ends the event check.

  In this way, the transaction center 12 basically determines whether reservation is possible. The conditions for generating a reservation-enabled code are not limited to the daily usage limit set by the bank during the time when the fee is generated, but the bank wishes for the user due to machine trouble of the ATM terminal device. Also apply if the amount of money cannot be achieved in one transaction. When this machine trouble is the cause, there are also reservations that allow the next transaction to be executed without charge for one or more days depending on the individual operation of the local ATM terminal device. In such a case, each ATM terminal device informs the transaction center 12 that the reservation has been made by pressing the reservation key from the ATM terminal device's clerk operation panel. It should be possible to receive 32.

  There may be no fee not only at the bank side but also in the case of a user's operation error. For example, when the same transfer with the same account is executed a plurality of times, the transfer within a predetermined time is set to no fee.

  Further, when the remittance amount is determined to be lower than the limit amount, the transaction center 12 does not generate a reservation enable code, ends this event check, and proceeds to, for example, a normal transfer process.

  The transaction center transmits the reservable code 38 generated at time T18 to the ATM terminal device 14.

  The ATM terminal device 14 receives the reservable code 38 supplied. The ATM terminal device 14 displays the reservation possible code 38 at the time T20 on the touch panel screen 40 as a transaction message.

  For example, as shown in FIG. 3, the transaction message displays the selection buttons “Reserve” 42 and “Do not reserve” 44, “Exceeding the daily limit amount.”, “Within the limit amount (500,000 ) Do you want to pay? "And" (You can trade quickly next time) "explain the contents of the selection key. In addition, a selection button “Cancel” 46 is displayed on the screen 40, and “Please press the cancel button if you want to stop the transaction” is displayed as an explanatory note. The user selects one of the displayed three selection buttons 42, 44 and 46.

  Specifically, when the user selects and inputs the selection button “do not reserve” 44 at time T22, reservation registration is not required, so the withdrawal process at time T24 is performed without communicating with the transaction center 12. move on. When the user selects and inputs the selection button “Reserve” 42 at time T22, the process proceeds to the reservation data transmission process at time T26. Further, when the user selects and inputs the selection button “cancel” 46 at time T22, the process proceeds to the reservation data transmission process at time T28.

  The reservation data transmission process (reservation) at time T26 is a process of transmitting the reservation data 48 from the ATM terminal device 14 to the transaction center 12. The reservation data is a combination data of a flag indicating that there is a reservation, an account number for specifying a user, a transaction name for specifying a reservation target transaction, and a transaction amount for specifying a reservation target amount. In particular, the transaction amount is, in other words, the difference between the desired withdrawal amount and the actual withdrawal amount.

  Since the transaction amount of the reservation data 48 in the present embodiment indicates a difference, it is 500,000 yen, which is the difference between the desired withdrawal amount of 1 million yen and the actual withdrawal amount, that is, the limit amount of 500,000 yen. is there. The transaction center 12 associates each item included in the reservation data supplied by the reservation registration processing AP 28 at time T30, creates a database in the transaction data storage 22, and stores and registers it. At this time, a charge collection flag for the fee may be set and stored and registered.

  The transaction center 12 transmits a reservation registration completion 52 to the ATM terminal device 14 designated for reservation at time T32.

  Next, at time T24, the ATM terminal apparatus 14 sends a withdrawal with a fee-limited amount of 500,000 yen to the transaction center 12 (billing collection withdrawal notice 54). Since the transaction center 12 uses a “cash card”, the transaction center 12 calculates a withdrawal count for reducing the withdrawal amount with respect to the deposit.

  Transaction center 12 transmits the result of the withdrawal count calculated at time T34 to ATM terminal device 14. Thereafter, the ATM terminal device 14 discharges the bill of the instructed amount and returns the card to the user.

  The reservation data transmission process (cancellation) at the time T28 described above is a process of transmitting the reservation data 50 from the ATM terminal device 14 to the transaction center 12. Also in this case, the reservation data is a combination data of a flag indicating that there is a reservation, an account number for specifying a user, a transaction name for specifying a reservation target transaction, and a transaction amount for specifying a reservation target amount. However, the transaction amount is 1 million yen because it is the difference between the desired withdrawal amount and the actual withdrawal amount of “cancellation” “zero”.

  The transaction center 12 associates each item included in the reservation data supplied by the reservation registration processing AP 28 at time T36, creates a database in the transaction data storage 22, and stores and registers it. It is good to store and register without setting a fee collection flag. As will be described later, it can be displayed on the screen as “reserved” at the time of transfer in processing at a later date. At this time as well, the processing will be the first transaction at a later date.

  The transaction center 12 transmits a reservation registration completion 58 to the ATM terminal device 14 designated for reservation at time T38. Therefore, selecting “Cancel” does not result in a fee or withdrawal of a limit of ¥ 500,000. Even if “Cancel” is selected, the operation is performed so that reservation data is input. This is to avoid complicated re-input because the transaction is always executed. As described above, when “cancel” is selected, the ATM terminal device 14 returns the card to the user.

  However, in the case of a procedure in which reservation data is not input when “Cancel” is selected, reservation registration is not performed, and it is preferable to operate so that a transfer procedure is input next time.

  Next, the basic procedure of remittance processing at a later date will be described with reference to FIG. The user transfers the shortage at a later date using either of the ATM terminal devices 14 and 16 in the branch. In this embodiment, the ATM terminal device 16 is used. At this time, although not shown, the user selects “reservation transaction” as a selection button for selecting transaction processing on the touch panel screen. The ATM terminal device 16 transmits the transaction data 60 to the transaction center 12 at time T50. The transaction data 60 is data including “reservation” data selected by the user on the touch panel screen and data including the account number of the user.

  That is, it goes without saying that the ATM terminal device 16 selected by the user has already executed the input operation of the above-mentioned “cash card” and “password”.

  The transaction center 12 operates the control unit 20 in response to the supply of the transaction data 60, and starts the later processing AP 30 under the control of the control unit 20 at time T52. The later processing is executed by starting the later processing AP 30.

  The later processing AP 30 accesses the transaction data storage 22 for the presence or absence of reservation data corresponding to the reservation transaction supplied at time T54, and determines the number of reservation transactions. The later processing AP 30 reads a plurality of reservation transactions registered for the corresponding account from the transaction data storage 22 and generates the reservation code 62 at the time T56 when the reservation code is generated. Send.

  The reservation code 62 is screen display data shown in FIG. 5 together with transaction data registered at the time of reservation. The screen display data of FIG. 5 includes selection input buttons “Reservation 1” 64 and “Reservation 2” 66.

  Further, the later processing AP 30 confirms that there is no reservation transaction registered for the corresponding account in the transaction data storage 22, and when the display data is generated, the display data 68 generated at time T58 is displayed on the ATM. Transmit to the terminal device 16.

  Here, the display data 68 is the screen display data shown in FIG. 6 and includes a selection input button “confirmation” 70.

  Furthermore, the later processing AP 30 reads one reservation transaction registered for the corresponding account from the transaction data storage 22, and generates the reservation code 72 at the time T60 when the reservation code is generated. Send to 16. Since there is only one “reservation”, no selection is required. Therefore, the reservation code 72 includes only the transaction data registered at the time of reservation and does not include screen display data.

  The ATM terminal device 16 automatically withdraws the withdrawal amount for the “reservation” selected by the user with the reservation code 62 obtained by the two determinations described above at time T62 and the “reservation” of the reservation code 72. Send by. At the time of withdrawal, a fee is not charged in the current process because the required fee is collected at the time of reservation.

  Further, the ATM terminal device 16 returns a “cash card” in response to the pressing operation of the selection input button “confirm” 70 on the display screen generated based on the display data 68. Therefore, if “no reservation” is selected at the time of transfer processing exceeding the limit amount of remittance last time and a transfer is made, a fee will be collected each time transfer processing is performed as before.

  Since the transaction center 12 uses a “cash card”, the transaction center 12 calculates a withdrawal count for reducing the withdrawal amount with respect to the deposit.

  Transaction center 12 transmits the result of the withdrawal count calculated at time T64 to ATM terminal device 16. Thereafter, the ATM terminal device 16 releases the bill of the instructed amount and returns the card to the user.

  By operating in this manner, the transaction center 12 can freely select a transfer location in accordance with reservation management, and can reduce the burden on the user. In addition, while strictly adhering to the transfer rules, it is possible to avoid excessive collection of fees that have been incurred with split transfers.

  Therefore, the dissatisfaction that the user has missed by split transfer until now can be solved.

  In this embodiment, the reservation processing AP 24 is provided in the transaction center 12. However, when the server that manages the branch is arranged at the position of the notebook 78 in FIG. You may make it provide in this server. In this case, the money transfer for the shortage can be made without any problems other than this except that the transfer place is limited so that the money is transferred from the reserved branch at a later date.

  This example was divided transfer over multiple times with the limit amount, but is not limited to this, when performing the same transfer multiple times in the same account per day, using information on the ATM terminal device side, You may process so that the commission after the 2nd may be eliminated.

10 Financial transaction system
12 Trading Center
14, 16, 18 ATM terminal equipment
20 Control unit
22 Transaction data storage
24 Reservation processing AP
26 Event Check AP
28 Appointment registration processing AP
30 AP for later processing

Claims (6)

A financial transaction system for transacting financial transactions between a terminal device and a transaction aggregation device having storage means in a database, the transaction aggregation device comprising:
The limit amount that can be handled in a day in financial transactions is set, it is determined whether the transaction amount input by the user exceeds the limit amount, and the second and subsequent transactions divided by the user's instructions The reservation item is registered in association with whether or not the reservation for the reservation is to be registered, withdrawn with a fee charged for the transaction amount, and the difference in the transaction amount in subsequent withdrawals A reservation processing means for making a transaction based on the registered reservation data, and determining any one of the withdrawal of the transaction amount and the withdrawal of the difference of the transaction amount with the fee charged,
Storage means for registering and managing the reservation data in each of the reservations;
A financial transaction system comprising: control means for controlling operation of the reservation processing means, communication between the systems, and operation of the storage means. The system according to claim 1, wherein the reservation processing means includes an event confirmation means for determining whether or not the transaction amount exceeds the limit amount;
Registration of the reservation by the user and cancellation of the reservation, registration of the reservation data, avoiding registration of the reservation data by refusing registration of the reservation, and a total amount of the limit amount charged with the fee Reservation registration processing means to withdraw,
Execute either the withdrawal process for the difference of the transaction amount according to the registration of the reservation, or the withdrawal process for the difference of the transaction amount with the fee charged according to the rejection of the registration of the reservation A financial transaction system comprising a processing means at a later date.   2. The system according to claim 1, wherein the reservation data includes a flag indicating that there is a reservation, an account number for specifying the user, a transaction name for specifying a reservation target transaction, and a transaction amount for specifying a reservation target amount. A financial transaction system characterized by data. A transaction method of a financial transaction system for performing a transaction between a terminal device and a transaction aggregating apparatus having a storage means in a database,
The transaction aggregation device is set with a limit amount that can be handled in a financial transaction per day, and determines whether or not the transaction amount input by the user exceeds the limit amount, and is divided according to the user's instruction. In accordance with whether or not to register a reservation for the second and subsequent transactions, the reservation item is associated and registered as reservation data, and withdrawn with a fee charged for the transaction amount. A reservation processing means for making a transaction based on registered reservation data, withdrawing only the difference of the transaction amount, and the withdrawal of the difference of the transaction amount with the fee charged,
Storage means for registering and managing the reservation data in each of the reservations;
Control means for controlling the operation of the reservation processing means, the communication between the systems, and the operation of the storage means,
The method includes a first step of determining whether or not the transaction amount input by the user through the terminal device exceeds the limit amount through the terminal device;
When the transaction amount exceeds the limit amount, a terminal used by the user with reservation screen as display screen data indicating whether the reservation processing means selects reservation cancellation or cancellation of the reservation registration A second step of transmitting to the device;
A third step of registering the reservation by registration of the reservation and cancellation of the reservation by the reservation processing means by selection by the user, and avoiding registration of the reservation data by refusing registration of the reservation;
A fourth step of withdrawing the total amount of the limit amount to which the fee is charged at the terminal device used by the user under the control of the transaction aggregation device;
A fifth step of transmitting a search for the presence or absence of the reservation from the terminal device used by the user to the storage means at a later date;
The reservation processing means searches whether the storage means has registration of the reservation corresponding to the user, and transmits data corresponding to the presence / absence of registration of the reservation to the terminal device used by the user. A sixth step;
Output data corresponding to the presence or absence of registration of the reservation, withdraw processing of the difference of the transaction amount according to the registration of the reservation, and charged the fee according to the rejection of the registration of the reservation A transaction method for a financial transaction system, comprising: a seventh step of causing the terminal device to execute any one of withdrawal processing for a difference in transaction amount. 5. The method according to claim 4, wherein the reservation processing means further includes an event confirmation means for determining whether or not the transaction amount exceeds the limit amount;
Registration of the reservation by the user and cancellation of the reservation, registration of the reservation data, avoiding registration of the reservation data by refusing registration of the reservation, and a total amount of the limit amount charged with the fee Reservation registration processing means to withdraw,
Execute either the withdrawal process for the difference of the transaction amount according to the registration of the reservation, or the withdrawal process for the difference of the transaction amount with the fee charged according to the rejection of the registration of the reservation Including later processing means,
The first and second steps are processed by the event confirmation means,
The third step is processed by the reservation registration processing means,
The sixth step is a transaction method for a financial transaction system, wherein the transaction is performed by the later processing means.   5. The method according to claim 4, wherein the reservation data includes a flag indicating that there is a reservation, an account number that specifies the user, a transaction name that specifies a reservation target transaction, and a transaction amount that specifies a reservation target amount. A transaction method of a financial transaction system characterized by being data.

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