JP2012133720A - Automatic transaction system, automatic transaction method, and automatic transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction system which carries out transactions by making a money exchanger 10, used offline before, online at suppressed cost.SOLUTION: The automatic transaction system comprises an ATM 20 and a host computer 30, and the ATM 20 transmits a request telegraphic message having transaction information stored in a request telegraphic message format 200 to the host computer 30, and receives a response telegraphic message having answer information of the host computer 30 stored in an answer telegraphic message format 300 to perform a transaction. The money exchanger 10 and ATM 20 are connected to each other through a LAN line 2, the money exchanger 10 performs sent/received telegraphic message processing for transmitting a sent/received telegraphic message having transaction information stored in a sent/received telegraphic message format 100 to the ATM 20, and the ATM 20 performs up telegraphic message processing for transmitting the request telegraphic message having the transaction stored to the host computer 30 and down telegraphic message processing for transmitting the sent/received telegraphic message having the answer information stored to the money exchanger 10.

Description

  The present invention relates to an automatic transaction apparatus such as a money changer that has been conventionally operated offline.

  As automatic transaction devices that can deposit and withdraw banknotes and coins unattended, ATMs and money changers are widely used. These automatic transaction apparatuses include, for example, an automatic transaction apparatus that includes communication means such as an ATM, and receives and transmits transaction data online with a host computer, and an automatic that operates offline without a communication means such as a change machine. There is a transaction device.

  Of these, money exchange machines that do not have communication means cannot handle the money exchange fee by direct debit, so customers are forced to use the fee by depositing the fee at each transaction. Yes. In addition, since financial institutions are not connected to a host computer, it is difficult to grasp the transaction results of currency exchange machines.

Therefore, a technique has been proposed in which a money changer that has been operated offline in the past is brought online.
For example, as in Patent Document 1, a technique is proposed in which a money changer is connected to a host computer, transaction result data of the money changer is transmitted, and cash management is performed on a per-store basis together with ATM and window terminal data on the host computer side. Has been.

Further, Patent Document 2 proposes a currency exchange machine that enables exchange transactions using a cash card and can collect a fee related to the exchange by an account withdrawal process from a customer account.
Further, Patent Document 3 proposes a money changer that accepts a cash card, inquires a host computer about the latest transaction date, and determines fee collection.

  However, since the money changers described in Patent Documents 1 to 3 exchange the transaction information directly with the host computer and perform the transaction, the communication means is established in both the money changer and the host computer, and the message reception / transmission processing is performed. Etc. need to be newly incorporated.

  In particular, the message reception / transmission process is performed using a message format unique to each financial institution. Accordingly, there is a problem in that the online change machine has a unique development cost for the financial institution, and as a result, it hinders improvement of customer convenience.

JP 2002-133094 A JP 2004-355540 A JP-A-63-311588

  In view of the above-described problems, an object of the present invention is to provide an automatic transaction system capable of performing an online transaction with an automatic transaction apparatus that has been conventionally operated offline by reducing costs.

  The present invention comprises a first automatic transaction apparatus comprising line connection means for connecting to a communication line, first control means for controlling each means, and a host computer connected via a wide area communication line, The first control means of the first automatic transaction apparatus transmits a request message storing transaction information to the host computer in accordance with a request message format used for requesting a transaction with the host computer, and the host computer corresponding to the request message An automatic transaction system for performing a transaction by receiving a response message storing response information of the host computer in accordance with a response message format used for a response of a line, a line connection unit for connecting to a communication line, and a first unit for controlling each unit A second automatic transaction apparatus having two control means and the first automatic transaction apparatus are connected by a narrow-area communication line; The second control means of the automatic transaction apparatus includes a transmission / reception message process for transmitting a transmission / reception message storing transaction information to the first automatic transaction apparatus according to a transmission / reception message format used to exchange the transaction information with the host computer. An upstream message process for transmitting the request message storing the transaction information in accordance with the request message format to the host computer upon receiving the exchange message in the first control means of the first automatic transaction apparatus; When a response message is received, it is determined whether it is a response message for the second automatic transaction apparatus, and if it is a response message for the second automatic transaction apparatus, a transfer message in which the response information is stored according to the transfer message format, And a downlink message processing to be transmitted to the second automatic transaction apparatus.

  According to the present invention, it is possible to provide an automatic transaction system in which an automatic transaction apparatus that has been conventionally operated offline is brought online by reducing costs.

The system block diagram which shows the connection state of a change machine, ATM, and a host computer. The block diagram of a change machine, ATM, and a host computer. The total information table block diagram which shows the information of a total information table. The total information table block diagram which shows the information of a total information table. The exchange fee table block diagram which shows the information of a exchange fee table. The transmission destination ATM address table block diagram which shows the structure of a transmission destination ATM address table. The destination exchange machine address table block diagram which shows the structure of a transmission destination exchange machine address table. Explanatory drawing which shows the message | telegram kind between a change machine and ATM. The transmission / reception message format block diagram which shows the structure of the transmission / reception message format between a change machine and ATM. The request message format block diagram which shows the structure of the request message format from ATM to a host computer. The response message format block diagram which shows the structure of the response message format from a host computer to ATM. The flowchart which shows transaction operation | movement of a money-changing machine. The flowchart which shows transaction operation | movement of a money-changing machine. The flowchart which shows the timer interruption process on the ATM side. The flowchart which shows the timer interruption process on the ATM side. The flowchart which shows the timer interruption process by the change machine side. A card insertion guidance screen showing a screen for prompting insertion of a customer card. A bill insertion guidance screen showing a screen for prompting the insertion of exchange bills. An exchange denomination setting guidance screen showing a screen for setting an exchange denomination. A payment method selection guide screen showing a screen for selecting a payment method for the exchange fee.

An embodiment of the present invention will be described below with reference to the drawings.
1 shows a system configuration diagram of a connection state of the money changer 10, the ATM 20, and the host computer 30, and FIG. 2 shows a block diagram of the money changer 10, the ATM 20, and the host computer 30. 3 and 4 show a summary information table configuration diagram of the summary information table 4, FIG. 5 shows a currency exchange fee table configuration diagram of the exchange fee table 5, and FIG. 6 shows a destination ATM address table 6. A transmission destination ATM address table configuration diagram is shown, and FIG. 7 is a transmission destination exchange machine address table configuration diagram of the transmission destination exchange machine address table 7.

  As shown in FIGS. 1 and 2, the money changer 10 and the ATM 20 installed at a branch of a financial institution are connected to each other via a LAN line 2 so as to communicate with each other. Further, the ATM 20 is connected to a host computer 30 installed at a financial institution's head office or the like via the communication line 1 connected to the LAN line 2.

  As shown in FIG. 2, the money changer 10 includes a control unit 11, an operation unit 12, a bill deposit / withdrawal mechanism unit 13, a coin dispensing mechanism unit 14, a wrapping coin dispensing mechanism unit 15, and a commission coin deposit. It comprises a part 16, a card mechanism part 17, a statement slip mechanism part 18, and a communication control part 19 with the ATM 20.

  When the customer conducts a transaction, the operation unit 12 serves to accept key input such as designation of money exchange denomination and display a transaction operation guide.

The banknote deposit / withdrawal mechanism 13 has a deposit / withdrawal function, an identification, and a storage function for banknotes to be exchanged.
The coin dispensing mechanism unit 14 and the wrapping coin dispensing mechanism unit 15 have a function of dispensing exchanged coins. Note that the wrapping coin dispensing mechanism unit 15 dispenses coins in a state where a predetermined number of coins are packaged.

  The commission coin depositing unit 16 has a deposit function for accepting coin insertion when fee collection is required in a currency exchange transaction.

The card mechanism 17 has a customer card insertion / discharge function and a customer card information read / write function.
The statement slip mechanism unit 18 has a function of printing and discharging the contents of the transaction on the statement slip.
The communication control unit 19 has a function of controlling communication with the ATM 20 connected via the LAN line 2.

The control unit 11 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and various processing functions such as a transaction operation in which a customer operates the money changer 10 to perform a transaction and each connected unit. A control function for controlling the operation of
The control unit 11 stores a total information table 4, a currency exchange fee table 5, and a transmission destination ATM address table 6.

  As shown in FIGS. 3 and 4, the total information table 4 shows total information such as the number of transactions and the amount of money in the money changer 10, specifically, the number of paid and free transactions within and outside of the time, Paid and free transaction amounts during and outside hours, the amount and number of withdrawals from commission accounts, the withdrawal amount for each withdrawal banknote, the withdrawal amount for each withdrawal wrapping coin, and the withdrawal amount for each withdrawal coin The amount of money, the amount of money received for each banknote, and the amount of money received as a fee are stored.

  As shown in FIG. 5, the exchange fee table 5 stores a fee according to the number of exchanges at the time of cash exchange and a fee according to the number of exchanges at the time of exchange using the own financial institution cash card.

The transmission destination ATM address table 6 registers ATM 20 as a transmission destination when transaction information is transmitted from the money changer 10 to the ATM 20.
Specifically, as shown in FIG. 6, the transmission destination ATM address table 6 has a configuration capable of registering a plurality of ATMs 20, and the transmission destination ATM 20 such as the IP address, subnet mask, and default gateway of the transmission destination ATM 20 is used. Address information is registered.

  Normally, the ATM 20 as a transmission destination is registered at the head of the transmission destination ATM address table 6. Then, the ATM 20 registered at the top registers the ATM 20 as the transmission destination when the communication with the money changer 10 is impossible due to a failure or the like after the second.

  Next, as shown in FIG. 2, the ATM 20 includes a control unit 21, an operation unit 22, a bill deposit / withdrawal mechanism unit 23, a coin deposit / withdrawal mechanism unit 24, a passbook mechanism unit 25, a line connection unit 26, The card mechanism part 27, the statement slip mechanism part 28, and the communication control part 29 with the money changer 10 are comprised.

  When the customer conducts a transaction, the operation unit 22 serves to accept key input such as designation of a money exchange type and display a transaction operation guide.

The banknote deposit / withdrawal mechanism 23 has a deposit / withdrawal function, an identification, and a storage function for banknotes to be traded.
The coin deposit / withdrawal mechanism unit 24 has a deposit / withdraw function, identification, and storage function for coins to be traded.

The passbook mechanism unit 25 has a function of receiving and discharging a customer's passbook and a printing function of printing transaction contents.
The line connection unit 26 is connected to the host computer 30 via the communication line 1 and has a function of transmitting or receiving data with the host computer 30.

The card mechanism unit 27 has a customer card insertion / discharge function and a customer card information read / write function.
The statement slip mechanism unit 28 has a function of printing and discharging the contents of the transaction on the statement slip.
The communication control unit 29 has a function of controlling communication with the money changer 10 connected via the LAN line 2.

  The control unit 21 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and various processing functions such as a transaction operation in which a customer operates the ATM 20 to perform transactions and operations of each connected unit. It has a control function to control.

  The control unit 21 stores a transmission destination exchange machine address table 7 in which the exchange machine 10 serving as a transmission destination is registered when transaction information is transmitted from the ATM 20 to the exchange machine 10.

  As shown in FIG. 7, the destination exchange machine address table 7 registers address information such as an IP address, a subnet mask, and a default gateway of the exchange machine 10 as a transmission destination. If there are a plurality of money changers 10 as transmission destinations, the address information for the number is registered.

  Next, as shown in FIG. 2, the host computer 30 includes a host computer control unit 31, a line connection unit 32, a file unit 33, and an account information file control unit 34. The file unit 33 includes an account information file 33a and various files 33b.

  The line connection unit 32 is connected to the ATM 20 via the communication line 1 and has a function of transmitting or receiving data with the ATM 20.

The account information file 33a stores customer information such as the customer's name, account number, and password.
The various files 33b store various information other than customer account information.

  The account information file control unit 34 inputs and outputs information stored in the account information file 33a and various files 33b of the file unit 33 according to instructions from the host computer control unit 31.

  The host computer control unit 31 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program, and controls each connected unit.

  In the money changer 10 and the ATM 20 and the host computer 30 configured as described above, the money changer 10 and the ATM 20 are connected via the LAN line 2 and receive and transmit a transmission / reception message storing transaction information according to instructions from each control unit. Make a deal.

  Further, the ATM 20 and the host computer 30 send a request message and a response in which transaction information is stored in accordance with an instruction from each control unit via the communication line 1 connected to the line connection unit 26 of the ATM 20 and the line connection unit 32 of the host computer 30. Transactions are made by sending and receiving messages.

  Next, a message type and a message format 100 to be transmitted / received between the money changer 10 and the ATM 20 will be described.

  FIG. 8 is an explanatory diagram of message types between the money changer 10 and the ATM 20, and FIG. 9 is a diagram showing a message format structure of the message format 100 between the money changer 10 and the ATM 20.

  As shown in FIG. 8, the types of exchanged messages sent from the money changer 10 to the ATM 20 are the summation information transmission for sending the total information of transaction results in the money changer 10, and the customer account of the cash card read by the card mechanism unit 17. There are an account inquiry request for inquiring information from the host computer 30 via the ATM 20, and an exchange fee account withdrawal request for requesting an account deduction for the exchange fee from the host computer 30 via the ATM 20.

  In addition, as shown in FIG. 8, the types of transmission / reception messages transmitted from the ATM 20 to the money changer 10 are a total information transmission request for requesting the money changer 10 to transmit total information, and a host computer 30 for an account inquiry request. Of the account inquiry result for sending the inquiry result to the money changer 10 and the notification of the result of the money exchange account withdrawal for sending the procedure result of the host computer 30 to the money changer 10 in response to the request for money withdrawal fee exchange.

  In the transmission / reception message for transferring such transaction information, the transaction information is stored according to a predetermined format, that is, the transmission / reception message format 100 configured for the transmission / reception message.

  The exchanged message format 100 is composed of a header part 110 and a business data part 120 as shown in FIG. Further, the header part 110 is composed of a message length field 111, a communication control parameter 112, and an application control parameter 113, and the business data part 120 is composed of a business application header part 121 and a business application data part 122. ing.

  Among these, the communication control parameter 112 identifies the address information such as the IP address of the ATM 20 or the money changer 10 serving as the transmission destination, and the device based on the transmission destination ATM address table 6 or the transmission destination changer address table 7. The identification ID and the like are stored according to the transmission destination.

The application control parameter 113 stores a code for identifying the message type between the money changer 10 and the ATM 20.
Specifically, when sending and receiving a power transmission / reception message from the money changer 10 to the ATM 20, the code “001” is set to “integrated information transmission”, the code “002” is set to “account inquiry request”, and the code “ A code indicating a message type in which “003” is defined as “exchange fee account withdrawal request” is stored according to the transaction.

  On the other hand, when transmitting a power transfer message from the ATM 20 to the money changer 10, the code “011” is set to “total information transmission request” and the code “012” is “notification of account inquiry result (handled)” in the application control parameter 113. The code “013” is “notification of exchange debit account withdrawal result (handling is established)”, the code “112” is “notification of account inquiry result (cannot be handled)”, and the code “113” is “exchange fee account” A notice indicating the type of message defined as “notification of withdrawal result (card unavailable)” and code “213” and “notification of exchange fee account withdrawal result (insufficient balance)” are stored according to the transaction.

The business application data unit 122 stores transaction information corresponding to transactions between the money changer 10 and the ATM 20.
Specifically, when the exchange message sent from the money changer 10 to the ATM 20 is an account inquiry request, the customer account information read from the cash card is stored in the business application data unit 122, and the exchange fee is debited. The business application data section 122 stores the customer account information and the exchange fee amount required for the exchange transaction. Further, when the exchanged power message is total information transmission, total information based on the integrated information table 4 is stored in the business application data unit 122.

  On the other hand, when the exchanged message sent from the ATM 20 to the money changer 10 is a notification of the result of debiting the exchange fee account, the account balance of the customer is stored in the business application data unit 122.

  Next, a request message format 200 of a request message transmitted from the ATM 20 to the host computer 30 and a response message format 300 of a response message transmitted from the host computer 30 to the ATM 20 will be described.

  10 shows a request message format configuration diagram of the request message format 200 from the ATM 20 to the host computer 30, and FIG. 11 shows a response message format configuration diagram of the response message format 300 from the host computer 30 to the ATM 20. Yes.

  In a request message and a response message for transferring transaction information between the ATM 20 and the host computer 30, various transaction information is configured for a predetermined format, that is, a request message format 200 configured for a request message and a response message. It is stored according to the response message format 300.

  Note that the request message format 200 and the response message format 300 use a message format that has been conventionally used to transfer transaction information between the ATM 20 and the host computer 30.

  As shown in FIG. 10, the request message format 200 includes a common header 210, a local header part 220, and a business data part 230. Further, the local header unit 220 includes a message length field 221, a communication control parameter 222, and an application control parameter 223. The business data unit 230 includes a business application header unit 231 and a business application data unit 232. is doing.

  Among these, the application control parameter 223 includes terminal attribute information 240, transaction attribute information 250, transaction mode information 260, and reserve 270.

  Furthermore, the terminal attribute information 240 includes a terminal identification 241 that stores identification information indicating an automatic transaction apparatus that is a transmission source, a terminal type 242, a terminal number 243, and a reserve 244. Among these, the terminal type 242 stores the identification code of the automatic transaction apparatus as the transmission source.

  Specifically, for the terminal type 242, the code “01” is “CD”, the code “02” is “ATM”, the code “03” is “bookkeeping machine”, and the code “04” is “exchange machine”. Is stored in accordance with the automatic transaction apparatus serving as the transmission source.

Further, the transaction attribute information 250 includes a transaction type 251 and a reserve 252.
Among these, the transaction type 251 stores a code indicating the type of transaction request to the host computer 30.

  Specifically, in the transaction type 251, the code “1101” is “card withdrawal request”, the code “1102” is “passbook withdrawal request”, and the code “1103” is “card / passbook combined withdrawal request”. Code “1201” is “card deposit request”, code “1202” is “passbook deposit request”, code “1301” is “balance inquiry request”, code “1401” is “transfer inquiry”, code A code indicating a transaction content conventionally used in which “1402” is defined as a “transfer request” is stored according to the transaction.

  Further, as codes stored in the transaction type 251, the code “2101” is defined as “account inquiry request”, the code “3101” is defined as “exchange fee account withdrawal request”, and the code “4101” is defined as “total information transmission”. A code indicating the transaction content used for the transaction with the money changer 10 is added and stored in the transaction type 251 according to the transaction.

  The business application data section 232 stores various transaction information to be transmitted to the host computer 30, for example, customer account information read from a cash card, a transaction amount, and the like.

  In addition, the response message format 300 includes a common header 310, a local header portion 320, and a business data portion 330, as shown in FIG. Further, the local header part 320 is composed of a message length field 321, a communication control parameter 322, and an application control parameter 323, and the business data part 330 is composed of a business application header part 331 and a business application data part 332. is doing.

  Among these, the application control parameter 323 includes terminal attribute information 340 and a spare 350, and the terminal attribute information 340 further includes a terminal type 341, a processing sequence number 342, and a spare 343.

This terminal type 341 stores an identification code indicating a destination automatic transaction apparatus.
Specifically, in the terminal type 341, the code “01” is “CD”, the code “02” is “ATM”, the code “03” is “bookkeeping machine”, and the code “04” is “exchange machine”. Is stored in accordance with the automatic transaction apparatus of the transmission destination.

  The business application data section 332 includes a response code 361, a transaction amount 362, a statement slip print data 363, a card write data 364, a passbook write data 365, a screen display data 360, and a spare 367. ing.

Among these, the response code 361 stores a code indicating a transaction result in response to a request from the money changer 10 or the ATM 20.
Specifically, in the response code 361, the code “000” is “transaction completed”, the code “1XX” is “transaction unsuccessful”, the code “101” is “card unavailable”, and the code “111” is “ A code indicating a transaction result defined as “insufficient balance” is stored according to the transaction result.

  The transaction amount 362 includes a transaction amount or balance 362a and a fee 362b. The transaction amount or balance 362a stores the transaction amount or account balance according to the contents of the transaction request, and the fee 362b stores the transfer fee or exchange fee for the transaction according to the transaction.

In the automatic transaction system having such a configuration, the transaction operation of the money changer 10 will be described.
12 and 13 show a flowchart of the transaction operation of the money changer 10, FIGS. 14 and 15 show a flowchart of the timer interrupt process on the ATM 20 side, and FIG. 16 shows a timer interrupt process on the money changer 10 side. The flowchart of is shown.

  FIG. 17 shows a card insertion guidance screen 700 for prompting insertion of a customer card, FIG. 18 shows a bill insertion guidance screen 710 for prompting insertion of exchange bills, and FIG. 19 shows an exchange money for setting a currency denomination. A seed setting guide screen 720 is shown, and FIG. 20 shows a payment method selection guide screen 730 for selecting a payment method for the exchange fee.

  First, when the customer stands in front of the money changer 10, as shown in FIGS. 12 and 13, the control unit 11 of the money changer 10 starts a transaction process and displays a card insertion guide screen 700 as shown in FIG. The information is displayed on the operation unit 12 (step S401).

  On this card insertion guidance screen 700, an operation guidance message “When you start a transaction, please insert a cash card or currency exchange card into the card insertion slot” is displayed.

  When the customer inserts a cash card into the card mechanism unit 17 in accordance with the operation guidance on the card insertion guide screen 700 (step S402), the card mechanism unit 17 receives the customer account information stored in the cash card according to an instruction from the control unit 11. Read (step S403).

  When the customer account information is read, the control unit 11 of the money changer 10 edits the transmission / reception message requesting the account inquiry from the host computer 30 according to the transmission / reception message format 100 and transmits the transmission / reception message to the ATM 20 via the LAN line 2. (Step S404).

  When editing a transmission / reception message requesting an account inquiry, the control unit 11 of the money changer 10 stores the code “002 (account inquiry request)” in the application control parameter 113 and stores the customer cache in the business application data unit 122. Stores customer account information read from the card.

  In addition, the control unit 11 of the money changer 10 stores address information such as the IP address of the ATM 20 registered at the top of the transmission destination ATM address table 6 in the communication control parameter 112, and sends / receives a message to / from the ATM 20 of the stored address information. Send.

  When the ATM 20 registered at the top of the destination ATM address table 6 cannot transmit / receive a power transmission / reception message due to a failure or the like, the control unit 11 of the money changer 10 separates the second registered in the destination ATM address table 6. The address information of the ATM 20 is stored again in the communication control parameter 112, and an exchange message is transmitted.

  And ATM20 which received the transmission / reception message which the money changer 10 transmitted requested | requires the account inquiry of a customer from the host computer 30, and will receive an account reference result from the host computer 30, and will transmit an account reference result to the money changer 10. The customer account inquiry process between the ATM 20 and the host computer 30 will be described in detail later.

  Thereafter, the control unit 11 of the money changer 10 determines whether or not to send / receive a power transmission / reception message of the account inquiry result transmitted from the ATM 20 (step S405). When the transmission / reception message from the ATM 20 is not received (step S405: No), the control unit 11 returns the process to step S405 and continues to wait for the transmission / reception message from the ATM 20.

  On the other hand, when receiving and receiving a power transmission / reception message of the account inquiry result from the ATM 20 (step S405: Yes), the control unit 11 analyzes the code stored in the application control parameter 113 of the power transmission / reception message and determines whether the cash card can be handled. (Step S406).

  When the code “112 (notification of account inquiry result (cannot be handled))” is stored in the application control parameter 113 and the control unit 11 determines that the customer account cannot be handled because the customer account is not valid (step S406: No) ) In response to an instruction from the control unit 11 of the money changer 10, the card mechanism unit 17 discharges the customer's cash card and returns it to the customer (step S410). Thereafter, the control unit 11 ends the currency exchange transaction process.

  On the other hand, the control unit 11 of the money changer 10 stores the code “012 (notification of account inquiry result (can be handled))” in the application control parameter 113 and determines that the customer's account is valid (step S406). 18), a bill insertion guidance screen 710 as shown in FIG. 18 is displayed on the operation unit 12, and the insertion of the exchange bill is accepted by the bill deposit / withdrawal mechanism unit 13 (step S407).

  On the bill insertion guidance screen 710, an operation guidance message “Please insert a bill to be exchanged and press the lower confirmation button” and a confirmation button 711 are displayed.

  When the customer inserts the currency bill into the bill deposit / withdrawal mechanism unit 13 and presses the confirm button 711, the bill deposit / withdrawal mechanism unit 13 instructs the type and number of the deposited currency bills according to instructions from the control unit 11 of the currency exchange machine 10. Is detected. And the control part 11 displays the money-changing money type setting guidance screen 720 as shown in FIG. 19 on the operation part 12 (step S408).

  On this exchange denomination setting guidance screen 720, an operation guidance message “Please press the denomination button you want to exchange and select the quantity.” Is displayed in the upper part of the screen, and the amount of the inserted currency note is displayed. A currency amount column 721 to be exchanged, a bill button 722 for designating a denomination to be exchanged, a wrapping coin button 723, a coin button 724, a bill amount column 725 for displaying the quantity of each denomination, and a wrapping coin amount column 726 The coin quantity column 727 is displayed, and a confirmation button 728 for confirming each denomination setting is displayed at the lower right of the screen.

  The customer sets the denomination to exchange according to the guidance on the exchange denomination setting guide screen 720 and presses the confirm button 728 to confirm the exchange denomination setting (step S409).

  When the customer presses the confirmation button 728, the control unit 11 of the money changer 10 determines whether a money exchange fee is generated according to the money exchange fee table 5 (step S411). When the exchange fee is generated (step S411: Yes), the control unit 11 displays a payment method selection guide screen 730 as shown in FIG. 20 on the operation unit 12 (step S412).

  On this payment method selection guide screen 730, an operation guidance message “Please select a payment method for the exchange fee.”, A fee amount column 731 for displaying the exchange fee, and an account withdrawal button for paying by account withdrawal. 732 and a cash deposit button 733 to be paid in cash are displayed.

  Here, the control unit 11 of the money changer 10 determines whether the account withdrawal button 732 has been pressed (step S413).

  When a customer who wishes to withdraw money from the exchange fee depresses the account withdrawal button 732 (step S413: Yes), the control unit 11 sends / receives an exchange message requesting the host computer 30 to withdraw the exchange fee account. The transmission / reception message is transmitted to the ATM 20 via the LAN line 2 (step S414).

  When editing a power transmission / reception message requesting exchange fee account withdrawal, the control unit 11 stores a code “003 (fee account withdrawal request)” in the application control parameter 113 of the transmission / reception message format 100, and a business application data part 122 stores the customer account information read from the customer's cash card and the exchange fee amount for the exchange transaction.

  In addition, the control unit 11 of the money changer 10 stores address information such as the IP address of the ATM 20 registered at the top of the transmission destination ATM address table 6 in the communication control parameter 112, and sends / receives a message to / from the ATM 20 of the stored address information. Send.

  When the ATM 20 registered at the top of the destination ATM address table 6 cannot transmit / receive a power transmission / reception message due to a failure or the like, the control unit 11 of the money changer 10 separates the second registered in the destination ATM address table 6. The address information of the ATM 20 is stored again in the communication control parameter 112, and an exchange message is transmitted.

  Then, the ATM 20 that has received the exchange message transmitted by the money changer 10 requests the host computer 30 to debit the exchange fee account, and receives the result of debiting the exchange fee account from the host computer 30. Transmit to the money changer 10. The exchange fee account withdrawal process between the ATM 20 and the host computer 30 will be described in detail later.

  Thereafter, the control unit 11 of the money changer 10 determines whether or not to receive the exchanged message as a result of debiting the exchange fee account transmitted from the ATM 20 (step S415). When there is no reception of the power transmission / reception message from the ATM 20 (step S415: No), the control unit 11 returns the process to step S415 and continues to wait for the power transmission / reception message from the ATM 20.

  On the other hand, when the control unit 11 of the money changer 10 receives the exchange message of the exchange fee account deduction result from the ATM 20 (step S415: Yes), it analyzes the code stored in the application control parameter 113 of the exchange message, It is determined whether account withdrawal has been established (step S416).

  In the application control parameter, the code “113 (exchange fee account withdrawal result (card unusable)) is stored and the control unit 11 determines that the customer account is not valid, or the code“ 213 (exchange fee account withdrawal) Result (insufficient balance)) "is stored, and the control unit 11 determines that the transaction is not completed due to a shortage of account balance (step S416: No), the card mechanism is instructed by the control unit 11 of the money changer 10 The unit 17 discharges the customer's cash card and returns it to the customer (step S421).

  And according to the instruction | indication of the control part 11, the banknote depositing / withdrawing mechanism part 13 discharge | releases the cash which the customer deposited, and returns it to a customer (step S422). Thereafter, the control unit 11 ends the currency exchange transaction process.

  On the other hand, in step S416, if the code "013 (exchange fee account withdrawal result (transaction establishment))" is stored in the application control parameter 113, and the control unit 11 determines that the exchange fee account withdrawal has been processed normally. (Step S416: Yes), according to the instruction of the control unit 11 of the money changer 10, the card mechanism unit 17 discharges the customer's cash card and returns it to the customer. Further, in response to an instruction from the control unit 11, the statement slip mechanism unit 18 prints and releases a statement of exchange transaction (step S417).

  And according to the instruction | indication of the control part 11, the banknote depositing / withdrawing mechanism part 13, the coin dispensing mechanism part 14, and the wrapping coin dispensing mechanism part 15 are open | released and discharge | released the cash changed according to the exchange money type (step S418). ).

  The money changer 10 stores the cash deposited by the customer in a predetermined storage in the money changer 10 (step S419). Thereafter, the control unit 11 of the money changer 10 ends the money changer transaction process.

  In step S411, if no exchange fee is generated (step S411: No), the control unit 11 proceeds to step S417, returns the customer's cash card, releases the statement slip, and releases the exchanged money. Thereafter, the cash deposited by the customer is stored in a predetermined storage in the money changer 10, and the money changer transaction processing is terminated.

  In step S413, when a customer who does not wish to withdraw the money for the exchange fee presses the cash deposit button (step S413: No), the controller 11 of the money changer 10 opens the fee coin deposit unit 16 to open cash. Is accepted (step S420).

  When the customer inserts cash, the control unit 11 proceeds to step S417, and returns the customer's cash card, discharges the statement slip, and releases the exchanged money. Thereafter, the cash deposited by the customer is stored in a predetermined storage in the money changer 10, and the money changer transaction processing is terminated.

  Next, the ATM 20 receives an exchange message from the money changer 10, receives a request message requesting a transaction from the host computer 30, and receives a response message from the host computer 30. Based on the response message The downlink message processing for transmitting the exchanged message to the money changer 10 will be described.

  Note that the upstream message processing and the downstream message processing in the ATM 20 are ATM timer interrupt processing that is executed by interrupting the ATM 20 transaction processing in which the customer operates the ATM 20 at regular intervals.

  As shown in FIG. 14, the control unit 21 of the ATM 20 starts receiving the ATM side timer interrupt process, and performs reception determination of the power transmission / reception message from the money changer 10 (step S501). When the power transmission / reception message from the money changer 10 is received (step S501: Yes), the control unit 21 of the ATM 20 analyzes the code stored in the application control parameter 113 of the power transmission / reception message (step S502).

  And the control part 21 of ATM20 determines the transaction which the money-changing machine 10 has requested | required based on the code stored in the application control parameter 113 of the transmission / reception message (step S503).

  When the code “002 (account inquiry request)” is stored in the application control parameter 113 (step 503: Yes), the control unit 21 of the ATM 20 sends a request message requesting an account inquiry to the host computer 30 in a request message format. Editing is performed according to 200 (step S504).

  When editing a request message requesting an account inquiry, the control unit 21 stores a code “04 (exchange machine)” indicating the transmission source in the terminal type 242 of the request message format 200 and requests the transaction type 251 to make a request. A code “2101 (account inquiry request)” indicating the transaction is stored. Further, the customer account information stored in the business application data part 122 of the exchanged message is stored in the business application data part 232 of the request message format 200.

  Thereafter, the control unit 21 of the ATM 20 transmits a request message to the host computer 30 (step S505).

  In step S501, when no power transmission / reception message has been received from the money changer 10 (step S501: No), the control unit 21 of the ATM 20 proceeds to step S510 described later.

  In step S503, when the code stored in the application control parameter 113 of the received / sent message is not “002 (account inquiry request)” (step S503: No), the control unit 21 stores the code stored in the application control parameter 113. Is “003 (exchange fee account withdrawal request)” (step S506).

  When the code “003 (exchange fee account withdrawal request)” is stored in the application control parameter 113 (step S506: Yes), the control unit 21 of the ATM 20 requests the host computer 30 to debit the exchange fee account. The request message to be edited is edited according to the request message format 200 (step S507).

  When editing the request message for requesting account withdrawal for the exchange fee, the control unit 21 stores the code “04 (exchange machine)” indicating the transmission source in the terminal type 242 of the request message format 200, and the transaction type 251. 2 stores a code “3101 (exchange fee account withdrawal request)” indicating the requested transaction. Further, the customer account information stored in the business application data part 122 of the exchanged message and the amount of the exchange fee are stored in the business application data part 232.

  Then, the control unit 21 transmits a request message to the host computer 30 (step S505).

  Thereafter, the host computer 30 performs an account inquiry process or an account deduction process for the exchange fee, and transmits a response message storing each processing result as response information in accordance with the response message format 300 to the ATM 20.

  Next, the control part 21 of ATM20 performs reception determination of the response message which stored the response information of the host computer 30 with respect to a request message (step S510).

  When the response message is received (step S510: Yes), the control unit 21 of the ATM 20 analyzes the code stored in the terminal type 341 of the application control parameter 323 of the response message (step S511).

  First, the control unit 21 of the ATM 20 determines whether or not the code “04 (exchange machine)” is stored in the terminal type 341 (step S512). When the code “04 (exchange machine)” is stored in the terminal type 341 (step S512: Yes), the control unit 21 determines that the response message is addressed to the exchange machine 10, and changes the response information of the response message. The exchanged text to be transferred to the machine 10 is edited according to the exchanged message format 100 and transmitted to the money changer 10 (step S513).

  When editing the transmission / reception message for transferring the response information to the money changer 10, the control unit 21 sends a code indicating the message type to the application control parameter 113 and the business application data unit 122 according to the content of the response message from the host computer 30. The response information is stored in.

  Specifically, in the case of a response message for an account inquiry request from the money changer 10, the control unit 21 of the ATM 20 sends and receives if the code “000 (transaction establishment)” is stored in the response code 361 of the response message. If “012 (notification of account inquiry result (can be handled))” is stored in the application control parameter 113 of the electronic message, and the code “1XX (transaction unsuccessful)” is stored in the response code 361 of the response electronic message, “112 (notification of account inquiry result (cannot be handled))” is stored in the application control parameter 113.

  In addition, when the response message is an account withdrawal request for the exchange fee from the money changer 10, the control unit 21 of the ATM 20 stores the code “000 (transaction establishment)” in the response code 361 of the response message. In the application control parameter 113 of the received / received message, “013 (notification of exchange fee account withdrawal result (transaction establishment))” is stored, and the code “101 (card cannot be used)” is stored in the response code 361 of the response message If so, “113 (notification of account inquiry result (card unusable))” is stored in the application control parameter 113 of the received / sent message.

  Alternatively, if the code “111 (insufficient balance)” is stored in the response code 361 of the response message, the control unit 21 of the ATM 20 sets “213 (notification of account inquiry result (balance)” in the application control parameter 113 of the exchanged message. Short)) ”.

  Thereafter, the control unit 21 of the ATM 20 determines whether to request the exchange information 10 to transmit the transaction information total information (step S514). In addition, the transmission request | requirement of the total information of transaction performance is made according to the schedule which requests | requires transmission, for example after the time decided once a day.

  When the transaction information total information transmission is not requested to the money changer 10 (step S514: No), the control unit 21 of the ATM 20 ends the ATM-side timer interrupt process.

  On the other hand, when requesting total information transmission to the money changer 10 (step S514: Yes), the control unit 21 of the ATM 20 sends a transfer message requesting the total information transmission to the money changer 10 according to the transfer message format 100. Edit and send it to the money changer 10 (step S515).

  When editing a power transmission / reception message for requesting total information transmission to the money changer 10, the control unit 21 stores the code “011: Total information transmission request” in the application control parameter 113 of the power transmission / reception message format 100.

  And the control part 21 complete | finishes an ATM side timer interruption process, after transmitting the transmission / reception message which requests | requires total information transmission to the money-changing machine 10. FIG.

  In step S510 of FIG. 15, if the response message is not from the host computer 30 (step S510: No), the control unit 21 proceeds to step S514. Moreover, also in step S512, when it is not the message | telegram addressed to the money changer (step S512: No), the control part 21 advances a process to step S514. Thereafter, it is determined whether to request the aggregate information transmission of the money changer 10, and after executing necessary processing, the ATM timer interruption processing is terminated.

  Then, the money changer 10 that has received the transmission / reception message requesting transmission of the total information transmits the transmission / reception message storing the total information to the ATM 20. In the money change machine 10, the processing after receiving a power transmission / reception message requesting transmission of total information will be described in detail later.

  14, if the exchange fee account withdrawal request is not requested (step S506: No), the control unit 21 of the ATM 20 sets the code stored in the application control parameter 113 of the power transmission / reception message to “001 (total information transmission). ) ”(Step S508).

  If the code “001 (total information transmission)” is not stored in the application control parameter 113 (step S508: No), the control unit 21 of the ATM 20 proceeds with the process to step S510.

  On the other hand, if the code “001 (total information transmission)” is stored in the application control parameter 113 in step S508 (step S508: Yes), the control unit 21 of the ATM 20 transmits the total information of the money changer 10 previously transmitted. It determines that it is a reply to the transmission / reception message requesting transmission, and stores the total information of the money changer 10 stored in the business application data part 122 of the transmission / reception message in the memory in the control unit 21 (step S509).

  Next, in the money change machine 10, a description will be given of a transmission / reception message process of receiving a transmission / reception message requesting transmission of total information from the ATM 20 and transmitting total information to the ATM 20.

  In the money changer 10, the processing for the power transmission / reception request for transmission of the total information from the ATM 20 is executed by interrupting the transaction processing of the money changer 10 where the customer operates the money changer 10 to make a transaction at regular intervals. Changer side timer interrupt processing.

  As shown in FIG. 16, the control unit 11 of the money changer 10 determines whether to receive a power transmission / reception message from the ATM 20 when the money changer side timer interrupt process is started (step S <b> 601). When receiving the power transmission / reception message from the ATM 20 (step S601: Yes), the control unit 11 analyzes the code stored in the application control parameter 113 of the received power transmission / reception message (step S602), and stored in the application control parameter 113. It is determined whether the code is “011 (total information transmission request)” (step S603).

  When the code stored in the application control parameter 113 is “011 (total information transmission request)” (step S603: Yes), the control unit 11 totals the transaction results of the money changer 10 based on the total information table 4. (Step S604).

  Then, the control unit 11 of the money changer 10 edits the transmission / reception message passing the aggregated information to the ATM 20 according to the transmission / reception message format 100 and transmits it to the ATM 20 (step S605).

  When editing the transmission / reception message that passes the total information to the ATM 20, the control unit 11 stores the code “001 (total information transmission)” in the application control parameter 113 of the transmission / reception message format 100 and the business application data unit 122 stores the total information. Is stored.

  After the transmission / reception message passing the aggregated information to the ATM 20, the control unit 11 of the money changer 10 ends the money changer side timer interruption process.

  In step S601, when no power transmission / reception message is received from the ATM 20 (step S601: No), the control unit 11 ends the changer-side timer interrupt process.

  In step S603, if the code “011 (total information transmission request)” is not set in the application control parameter 113 (step S603: No), the control unit 11 ends the changer-side timer interrupt process.

As described above, the ATM 20 includes the line connection unit 26 connected to the communication line, the control unit 21 that controls each means, and the host computer 30 connected via the communication line 1. The unit 21 transmits a request message storing transaction information to the host computer 30 in accordance with the request message format 200 used for a request for a transaction with the host computer 30, and the response message format 300 used for a response of the host computer 30 to the request message. Therefore, an automatic transaction system for receiving a response message storing response information of the host computer 30 and performing a transaction, and connecting the money changer 10 having the control unit 11 for controlling each means and the ATM 20 via the LAN line 2. Then, the control unit 11 of the money changer 10 receives transaction information with the host computer 30. In addition, a transaction message processing for transmitting a transaction message stored in accordance with the transaction message format 100 to be used for transmission to the ATM 20 is provided. When the transaction message is received by the control unit 21 of the ATM 20, the transaction information is transmitted according to the request message format 200. When the stored request message is transmitted to the host computer 30 and the response message is received, it is determined whether it is a response message for the money changer 10, and if it is a response message for the money changer 10, response information is sent and received. By providing the downlink message processing for transmitting the exchanged message stored in accordance with the format 100 to the money changer 10, it is possible to trade the money changer 10 that has been operated offline in the past online at a reduced cost. Specifically, the host computer 30 and the ATM 20 are connected by the communication line 1. The exchange device 10 and the ATM 20 by the configuration connected with the LAN line 2, the transfer of transaction information between exchange device 10 and the host computer 30 can be performed via the ATM 20.

  Here, delivery of transaction information between the ATM 20 and the money changer 10 can be performed by sending and receiving a transmission / reception message storing transaction information in accordance with the transmission / reception message format 100.

  Further, the transaction information is transferred between the ATM 20 and the host computer 30 by using an existing message format that has been conventionally used for transferring the transaction information between the ATM 20 and the host computer, and the transaction information is stored in accordance with the request message format 200. The request message to be transmitted to the host computer 30 and the response information to the request message can be stored in accordance with the response message format 300 and received and transmitted with the response message to be transmitted to the ATM 20.

  That is, since the exchanged message format 100 is used only for the exchange of transaction information between the money changer 10 and the ATM 20, the manufacturer of the money changer 10 and the ATM 20 may be predetermined as a unique message format that does not depend on the financial institution. it can.

  On the other hand, the request message format 200 and the response message format 300 are added to the existing message format by adding an identification code indicating the money changer 10 and a code indicating the type of transaction between the money changer 10 and the host computer 30. 10 and the host computer 30 can exchange transaction information.

  That is, the transaction information of the exchange message transmitted from the money changer 10 to the ATM 20 is stored again according to the request message format 200, or the response information of the response message transmitted from the host computer 30 to the ATM 20 is stored according to the exchange message format 100. By redoing, transactions between the money changer 10 and the host computer 30 can be performed via the ATM 20.

  It is also possible to realize this automatic transaction system by changing the programs of the existing ATM 20 and the host computer 30.

  Therefore, since transaction information can be exchanged between the ATM 20 and the money changer 10 without being influenced by the specifications specific to the financial institution, the development cost of the financial institution relating to the online changer 10 can be reduced. be able to.

  Further, since transaction information can be exchanged between the ATM 20 and the host computer 30 using the existing message format unique to the financial institution, the development cost of the financial institution relating to the online change machine 10 can be reduced. be able to.

  In this manner, the money changer 10 that has been conventionally operated offline can be brought online with a reduced cost and can be traded with the host computer 30.

  The financial institution can provide various services such as ATM 20 to the customer even in the money changer 10, and the customer can enjoy the benefits of the service provided by bringing the money changer 10 online.

  Further, the money changer 10 is provided with a card mechanism unit 17 that accepts the insertion of the customer's cash card and reads the customer account information stored in the cash card, and sends the transaction information of the received / sent message processing to the host computer 30 for the customer's account inquiry. When the customer account information is read by the card mechanism unit 17 and the control unit 11 of the money changer 10 executes the transmission / reception message processing, the ATM 20 and the host computer 30 can The customer account information stored in the cash card from the money changer 10 can be inquired of the host computer 30 by using the conventional account inquiry process.

Accordingly, the customer account can be inquired from the money changer 10 to the host computer 30 at a reduced development cost.
In addition, since the customer's account can be inquired, the financial institution can provide the customer with a service based on the customer account information, for example, a discount service such as an exchange fee.

  Furthermore, the financial institution can detect unauthorized use of the cash card in the money changer 10. For example, in a transaction form in which a discount service for exchange fees is made to a customer who has an account at a financial institution, even if an attempt is made to carry out an exchange transaction with the money changer 10 using another person's cash card having an account at the financial institution, By making account inquiries to the host computer 30, unauthorized use of the cash card can be detected immediately, and it is possible to prevent misuse of the cash card and collection of exchange fees.

  Further, the money changer 10 is provided with an operation unit 12 that allows an input of an account deduction for the exchange fee related to the exchange transaction, and requests the host computer 30 to debit the exchange fee for transaction information of the received / sent message processing. When the account debit request is made and the account debit for the transaction fee is selected by the operation unit 12, the control unit 11 of the money changer 10 executes the transmission / reception message processing, whereby the ATM 20 and the host computer 30 It is possible to request the host computer 30 to debit the fee from the money changer 10 using the conventional account debiting process performed between them.

Accordingly, it is possible to withdraw a fee account from the money changer 10 to the host computer 30 while suppressing development costs.
The financial institution can provide a service for debiting the exchange fee collection as a service to the customer.

  On the other hand, the customer can select whether to withdraw from the account that holds the payment for the transaction fee, and the customer's account is inquired using the cash card, so that the account can be withdrawn smoothly. Therefore, the customer can save the trouble of depositing the exchange fee each time.

  In addition, the transaction information is sent to the control unit 21 of the ATM 20 as a total information transmission request for requesting transmission of the total information of the transaction results in the money changer 10, and the received / received message stored according to the received / received message format 100 is sent and received. When the control unit 11 of the money changer 10 determines that the received power transmission / reception message is a total information transmission request, the power transmission / reception message stores the total information according to the power transmission / reception message format 100. Is provided with an aggregate information response process for transmitting to the ATM 20, the financial institution aggregates the aggregate information such as how much the money changer 10 is used or how much the fee income is in the ATM 20. be able to. Then, the aggregate information can be transmitted from the ATM 20 to the host computer 30 and can be collectively managed by the financial institution.

  Specifically, the control unit 21 of the ATM 20 temporarily stores the received total information of the money changer 10 in a memory in the control unit 21. Then, in response to an instruction from the host computer 30, the control unit 21 of the ATM 20 transmits the total information of the money changer 10 stored in the memory in the control unit 21 and the total information of the ATM 20 to the host computer 30 in a lump.

  Further, since the control unit 11 of the money changer 10 is provided with a transmission destination ATM address table 6 that can register a plurality of address information such as the IP address of the ATM 20 that sends and receives a power transmission / reception message, the money changer 10 is able to Even if the ATM 20 as the transmission destination is in a state where communication is impossible due to failure or maintenance, the ATM 20 can communicate with the host computer 30 via the other ATM 20.

  Therefore, in the money changer 10 that does not exchange transaction information directly with the host computer 30, there is no possibility that the communication path with the host computer 30 is interrupted, and the communication path can be reliably ensured. In addition, since the communication with the host computer 30 cannot be established, it is possible to prevent the exchange machine 10 from being unable to perform transactions or being interrupted.

  In addition, the ATM 20 having a line connection unit 26 connected to the communication line, a control unit 21 for controlling each means, and a host computer 30 connected via the communication line 1 is used. The control unit 21 transmits a request message storing transaction information to the host computer 30 in accordance with the request message format 200 used for requesting a transaction with the host computer 30, and a response message format 300 used for a response of the host computer 30 to the request message. In accordance with the automatic transaction method of receiving a response message storing the response information of the host computer 30 and performing a transaction, the money changer 10 provided with the control unit 11 that controls each means, and the ATM 20 are connected via the LAN line 2. The host computer is connected and processed by the power transmission / reception message processing of the controller 11 of the money changer 10 A transaction message stored in accordance with the transaction message format 100 used to exchange transaction information with 0 is transmitted to the ATM 20, and the transaction information is requested when the message is received by the upstream message processing of the control unit 21 of the ATM 20. When the request message stored according to the message format 200 is transmitted to the host computer 30 and the response message is received by the downlink message processing of the control unit 21 of the ATM 20, it is determined whether the message is a response message for the money changer 10, and the money changer 10 If the response message is a response message, the exchange message stored in accordance with the exchange message format 100 is sent to the money changer 10, so that the money changer 10 that has been operated offline in the past can be brought online with reduced costs. An automatic transaction method for performing

  Specifically, the transaction information is exchanged between the ATM 20 and the money changer 10 using an exchanged message, and the transaction information is transmitted between the ATM 20 and the host computer 30 using an existing request message and response message. By adopting this method, it is possible to reduce the development cost of a financial institution related to the online change machine 10.

  In addition, the ATM 20 having a line connection unit 26 connected to the communication line, a control unit 21 for controlling each means, and a host computer 30 connected via the communication line 1 is used. A step of transmitting a request message storing transaction information to the host computer 30 in accordance with a request message format 200 used for requesting a transaction with the host computer 30 to the control unit 21, and a response message used for a response of the host computer 30 to the request message An automatic transaction program for performing a transaction by executing a step of receiving a response message storing response information of the host computer 30 according to a format 300, comprising a control unit 21 for controlling each means, and connecting the ATM 20 to a LAN line 2 to the controller 11 of the money changer 10 connected by When the transaction message is stored in accordance with the transaction message format 100 used to exchange transaction information with the computer 30, the transaction message is stored in the ATM 20. The control unit 21 of the ATM 20 receives the transaction message. When the request message stored according to the request message format 200 is transmitted to the host computer 30 and when the response message is received, it is determined whether it is a response message for the money changer 10. By executing the step of transmitting the received / received message storing the information in accordance with the received / received message format 100 to the money changer 10, the money changer 10 that has been operated offline in the past is brought online with a reduced development cost. Can provide programs that can.

  Specifically, the automatic transaction program can be provided by being incorporated in the ATM 20 and the money changer 10. In addition, between the ATM 20 and the money changer 10, a program using the transmission / reception message format 100 that is not influenced by a financial institution, and between the ATM 20 and the host computer 30, an existing program is used to change the money changer. The development cost of a financial institution relating to 10 online can be suppressed.

  In the present embodiment, the automatic transaction apparatus that has been conventionally operated online is the ATM 20, but it may be a CD machine provided with communication means capable of communicating with the host computer 30. Furthermore, although the automatic transaction apparatus operated conventionally offline was used as the currency exchange machine 10, it is not limited to this and a cash machine etc. may be sufficient.

  The connection between the ATM 20 and the host computer 30 can be a dedicated line or a public line that can communicate with each other. Further, the ATM 20 and the host computer 30 may be in the same branch as long as they are connected by a communication means capable of communicating with each other.

  In addition, although the money changer 10 and the ATM 20 are connected via the LAN line 2, a connection form other than the LAN line 2 may be used as long as communication means capable of mutual communication is provided. Furthermore, although the money changer 10 and the ATM 20 are installed in the same branch, they need not be in the same branch as long as they have communication means capable of communicating with each other.

  Further, the address information registered in the transmission destination ATM address table 6 and the transmission destination changer address table 7 is not limited to the IP address or the like, and can be changed according to the communication standard.

  The exchange fee table 5 is stored in the control unit 11 of the money changer 10, but may be stored in the host computer 30 and inquired of the host computer 30 each time a transaction is made. Thereby, the money change machine 10 can always make a transaction based on the latest exchange fee table 5.

  Moreover, although it transacted using a customer's cash card, it can be set as not only this but an exchange card. Further, in the money change machine 10, after inserting the customer's cash card or the like into the card mechanism unit 17, the control unit 11 may request the customer to input a personal identification number.

  Further, when the customer pays the exchange fee by debiting the account, the exchange fee payment information may be stored in the host computer 30 and the customer may manage it collectively with a passbook or the like.

  Also, if the fixed interval in the ATM timer interrupt process and the changer timer interrupt process is too large (for example, 2 seconds or more), it will affect the waiting time of the customer and the system, so the interval is not so large (for example, It is preferable that the interval be 0.1 second.

  In addition, in order to request an account inquiry from the ATM 20 to the host computer 30, a code “2101 (account inquiry request)” has been added to the transaction type 251 of the request message format 200. However, a message from the ATM 20 to the host computer 30 has been conventionally added. The code “1301 (balance inquiry request)” used for transmission may be used.

  Further, the total information transmission request of the money changer 10 is made by an instruction from the control unit 21 of the ATM 20, but it may be instructed by a direct operation of an attendant or from the host computer 30 via the ATM 20. Further, the money changer 10 may automatically transmit the total information to the ATM 20 based on the schedule.

  The total information is not necessarily stored once in the memory in the control unit 21 of the ATM 20, but may be directly transmitted to the host computer 30 via the ATM 20.

  The total information is not limited to the transaction results, but may be the operating time, failure, or error history of the money changer 10. Moreover, the operation time etc. are memorize | stored in the host computer 30 with the transaction performance of the money-changing machine 10, and an efficient maintenance inspection can also be performed according to a transaction performance and operation time.

  For example, based on the operating time and transaction results stored in the host computer 30, the exchange machine 10 having a long transaction time and a long operation time is preferentially inspected and checked rather than the money changer 10 having a small transaction record and a low risk of failure. You can make an inspection schedule.

  Further, by enabling communication between the money changer 10 and the host computer 30, the control program stored in the money changer 10 may be updated or modified by instructions and data transmission from the host computer 30. Good.

In correspondence between the configuration of the present invention and the above-described embodiment,
The first automatic transaction apparatus of the present invention corresponds to the ATM 20 of the embodiment,
Similarly,
The second automatic transaction apparatus corresponds to the money changer 10,
The line connection means corresponds to the line connection unit 26,
The first control means corresponds to the control unit 21,
Wide area communication line corresponds to communication line 1,
The second control means corresponds to the control unit 11,
The narrow-area communication line corresponds to LAN line 2,
The customer medium reception means corresponds to the card mechanism unit 17,
The input means corresponds to the operation unit 12,
The destination address table corresponds to the destination ATM address table 6,
The exchange message processing corresponds to step S404 and step S414,
The upstream message processing corresponds to step S501 to step S507,
The downlink message processing corresponds to steps S510 to S513,
The total information request process corresponds to step S514 to step S515,
The aggregate information response process corresponds to step S601 to step S605,
The present invention is not limited only to the configuration of the above-described embodiment, and many embodiments can be obtained.

DESCRIPTION OF SYMBOLS 1 ... Communication line 2 ... LAN line 6 ... Destination ATM address table 10 ... Change machine 11 ... Control part 12 ... Operation part 17 ... Card mechanism part 19 ... Communication control part 20 ... ATM
21 ... Control unit 26 ... Line connection unit 30 ... Host computer 100 ... Transmission / reception message format 200 ... Request message format 300 ... Response message format

Claims (7)

A first automatic transaction apparatus comprising line connection means for connecting to a communication line, and first control means for controlling each means;
Consists of a host computer connected via a wide-area communication line,
In the first control means of the first automatic transaction apparatus,
Sending a request message storing transaction information in accordance with a request message format used for requesting a transaction with the host computer to the host computer;
An automatic transaction system for receiving and transacting a response message storing response information of the host computer according to a response message format used for a response of the host computer to the request message,
A line connection means for connecting to the communication line, a second automatic transaction apparatus comprising a second control means for controlling each means,
The first automatic transaction apparatus is connected with a narrow communication line,
In the second control means of the second automatic transaction apparatus,
A transmission / reception message process for transmitting a transmission / reception message storing transaction information to the first automatic transaction apparatus according to a transmission / reception message format used for delivery of the transaction information with the host computer;
In the first control means of the first automatic transaction apparatus,
Upon receiving the exchange message, the request message storing the transaction information in accordance with the request message format, an uplink message process for transmitting to the host computer,
When the response message is received, it is determined whether it is a response message for the second automatic transaction apparatus, and if it is a response message for the second automatic transaction apparatus, an exchange message storing the response information in accordance with the exchange message format is received. And an automatic transaction system comprising a downlink message processing to be transmitted to the second automatic transaction apparatus. In the second automatic transaction apparatus,
A customer medium receiving means for receiving the customer information medium and reading the customer information stored in the customer information medium;
The transaction information of the transmission / reception message processing is
Account inquiry information for requesting customer account inquiry from the host computer,
When the customer information is read by the customer medium reception means,
The automatic transaction system according to claim 1, wherein the second control unit of the second automatic transaction apparatus is configured to execute the transmission / reception message processing. In the second automatic transaction apparatus,
It has an input means that allows entry of account debits for transaction fees,
The transaction information of the transmission / reception message processing is
Account debit information requesting the host computer to debit the fee,
When you select the account withdrawal for the transaction fee with the input means,
The automatic transaction system according to claim 2, wherein the second control unit of the second automatic transaction apparatus is configured to execute the transmission / reception message processing. In the first control means of the first automatic transaction apparatus,
The transaction information is aggregate request information for requesting transmission of aggregate information of transaction results in the second automatic transaction apparatus,
A tally information request process for transmitting a message to / from the second automatic transaction apparatus storing the tally request information in accordance with the telecommunication message format;
In the second control means of the second automatic transaction apparatus,
When it is determined that the received transmission / reception message is the aggregation request information,
The automatic transaction system according to any one of claims 1 to 3, further comprising: a total information response process for transmitting a transmission / reception message storing the total information according to the transmission / reception message format to the first automatic transaction apparatus. In the second control means of the second automatic transaction apparatus,
The automatic transaction system according to any one of claims 1 to 4, further comprising a transmission destination address table capable of registering a plurality of network address information of the first automatic transaction apparatus that transmits the exchanged message. Using a system comprising a line connection means for connecting to a communication line, a first automatic transaction apparatus comprising a first control means for controlling each means, and a host computer connected via a wide area communication line,
In the first control means of the first automatic transaction apparatus,
A request message storing transaction information according to a request message format used for a request for a transaction with the host computer is transmitted to the host computer, and the host computer's response according to a response message format used for a response of the host computer to the request message An automatic transaction method for performing a transaction by receiving a response message storing response information,
A line connection means for connecting to the communication line, a second automatic transaction apparatus comprising a second control means for controlling each means,
The first automatic transaction apparatus is connected with a narrow communication line,
By the transmission / reception message processing of the second control means of the second automatic transaction apparatus,
Sending / receiving telegram storing transaction information in accordance with the telegram format used for delivery of the transaction information with the host computer is sent to the first automatic transaction apparatus,
By upstream message processing of the first control means of the first automatic transaction apparatus,
Upon receiving the exchange message, the request message storing the transaction information in accordance with the request message format is transmitted to the host computer,
By the downlink message processing of the first control means of the first automatic transaction apparatus,
When the response message is received, it is determined whether it is a response message for the second automatic transaction apparatus, and if it is a response message for the second automatic transaction apparatus, an exchange message storing the response information in accordance with the exchange message format is received. An automatic transaction method for transmitting to the second automatic transaction apparatus. Using a system comprising a line connection means for connecting to a communication line, a first automatic transaction apparatus comprising a first control means for controlling each means, and a host computer connected via a wide area communication line,
In the first control means of the first automatic transaction apparatus,
Transmitting a request message storing transaction information to the host computer according to a request message format used for requesting a transaction with the host computer, and the host according to a response message format used for a response of the host computer to the request message. An automatic transaction program for performing a transaction by executing a step of receiving a response message storing response information of a computer,
A second connection means of a second automatic transaction apparatus comprising a line connection means for connecting to a communication line and a second control means for controlling each means, wherein the first automatic transaction apparatus is connected to the first automatic transaction apparatus by a narrow area communication line,
Sending / receiving a message to / from the first automatic transaction apparatus storing a transaction information in accordance with a format of a message to be used for delivery of the transaction information with the host computer;
In the first control means of the first automatic transaction apparatus,
Upon receiving the exchange message, sending the request message storing the transaction information according to the request message format to the host computer;
When the response message is received, it is determined whether it is a response message for the second automatic transaction apparatus, and if it is a response message for the second automatic transaction apparatus, an exchange message storing the response information in accordance with the exchange message format is received. And an automatic transaction program for executing the step of transmitting to the second automatic transaction apparatus.

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