JP2015108945A - Transaction device, transaction system, and transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow operations related to term deposit cancel transaction and related to term deposit money reception transaction by single transaction operation, for cancelling a partial amount of a deposit amount of a term deposit.SOLUTION: The transaction device for performing deposit cancel transaction of a term deposit to a financial institution host server for managing the term deposit which is lodged to an account, comprises at least: deposit cancel processing means for performing cancel of a partial amount of a deposit amount among a deposit amount of a term deposit by single transaction operation.

Description

  The present invention relates to a transaction apparatus, a transaction system, and a transaction program, and can be applied to, for example, a transaction apparatus, a transaction system, and a transaction program that perform a transaction for canceling a time deposit provided by a financial institution.

  Generally, when a customer cancels a time deposit that has been concluded with a financial institution, the customer cancels the contract for the time deposit at the window of the financial institution. In addition, there are two types of cancellation of contracts related to time deposits: full cancellation for refunding the entire amount of time deposits and partial cancellation for canceling part of the amount of time deposits. Whether partial cancellation is possible depends on the type of time deposit.

  Conventionally, with the progress of network security in recent years, customers have been able to use automatic transaction machines (ATMs) installed in financial institutions and the like as described in Patent Document 1 and Patent Document 2, for example. There are those that cancel term deposits and deposit deposit transactions.

  The technology described in Patent Document 1 displays a time deposit account corresponding to a cash card acquired by ATM, and performs a cancellation process on the time deposit account selected by the customer.

  The technology described in Patent Document 2 is such that when a customer makes a fixed deposit transaction, the ATM displays the fixed period of the fixed deposit, the interest rate, and the amount refunded.

JP 2002-117238 A JP-A-7-093635

  Conventionally, however, time deposit cancellation transactions can only be canceled for time deposits, and time deposit deposit transactions can only be made for time deposits. Therefore, if the customer wishes to cancel part of a time deposit that cannot be partially canceled, and the customer wishes to cancel the part of the time deposit, the customer will cancel the part of the time deposit and then re-apply part of the amount. There was a need to make a deposit deposit transaction. In other words, the customer needs to perform two transaction operations, the time deposit cancellation transaction and the time deposit payment transaction, and the problem is that the burden of the transaction operation and the time required to terminate the transaction related to the partial cancellation are required. May occur.

  Therefore, there is a demand for a transaction apparatus, a transaction system, and a transaction program that can continuously perform operations related to a time deposit cancellation transaction and a time deposit payment transaction in one transaction operation.

  In order to solve such a problem, the first aspect of the present invention provides a transaction apparatus that performs a deposit cancellation transaction for a time deposit to a financial institution host server that manages a time deposit deposited in an account. The transaction apparatus comprises deposit cancellation processing means for canceling a part of the deposit amount by the same transaction operation.

  A second aspect of the present invention is a transaction system comprising a financial institution host server that manages a time deposit deposited in an account, and a transaction apparatus that performs a deposit cancellation transaction for the time deposit with the financial institution host server. At least a deposit cancellation processing means for canceling a portion of the deposit amount of the fixed deposit amount by the same transaction operation, and the financial institution host server uses the cancellation transaction information of the fixed deposit acquired from the transaction device. The transaction system further comprises a time deposit cancellation transaction means for performing a deposit cancellation transaction for the time deposit and subsequently performing a deposit transaction for the time deposit.

  According to a third aspect of the present invention, in a transaction program for performing a deposit cancellation transaction for a time deposit to a financial institution host server that manages a time deposit deposited in an account, This is a transaction program characterized by functioning as a deposit cancellation processing means for canceling a partial deposit amount by the same transaction operation.

  According to the present invention, operations related to a time deposit cancellation transaction and a time deposit payment transaction can be continuously performed in one transaction operation.

It is an internal block diagram which shows the internal structure of ATM which concerns on embodiment. It is a lineblock diagram showing the whole transaction system composition concerning an embodiment. It is an external appearance block diagram which shows the external appearance structure of ATM which concerns on embodiment. It is an internal block diagram which shows the internal structure of the financial institution host server which concerns on embodiment. It is a flowchart which shows the operation | movement of the time deposit cancellation process in the transaction system which concerns on embodiment. It is a screen figure which shows an example of the customer time deposit information display screen which concerns on embodiment. It is a screen figure which shows an example of the cancellation content input screen which concerns on embodiment. It is a screen figure which shows an example of the standby screen which concerns on embodiment. It is a screen figure which shows an example of the payment content screen which concerns on embodiment. It is a screen figure which shows an example of the interest reception screen which concerns on embodiment. It is a screen figure which shows an example of the payment content confirmation screen which concerns on embodiment. It is a screen figure which shows an example of the passbook receipt guidance screen which concerns on embodiment. It is a screen figure which shows an example of the card | curd which concerns on embodiment, and a statement slip receipt guidance screen.

(A) Main Embodiments Hereinafter, embodiments of a transaction apparatus, a transaction system, and a transaction program of the present invention will be described in detail with reference to the drawings.

  This embodiment illustrates a case where the present invention is applied to a transaction system having, for example, an automatic transaction apparatus (ATM) and a financial institution host server.

(A-1) Configuration of Embodiment (A-1-1) Overall Configuration of Transaction System FIG. 2 is a configuration diagram showing the overall configuration of the transaction system according to this embodiment. In FIG. 2, the transaction system 5 according to this embodiment includes a plurality of automatic transaction apparatuses (ATM) 1-1 to 1-N and a financial institution host server 2 that can be connected to the communication line 3.

  The communication line 3 is a communication line that exchanges information between the ATM 1-n (1 ≦ n ≦ N) and the financial institution host server 2. The protocol of the communication line 3 is a communication line in which network security is ensured. For example, a unique dedicated protocol for each financial institution, TCP / IP (Internet Protocol), or the like can be applied.

  ATM1-n is installed in a financial institution, an airport, a station, a convenience store, etc., for example, and performs various transaction processing by customer operation. The ATM 1-n transmits transaction information including the transaction type and transaction content information input by the customer operation to the financial institution host server 2, and receives transaction execution information executed by the financial institution host server 2. Is.

  Transaction types that can be handled by the ATM 1-n include, for example, a deposit transaction and a withdrawal transaction. A deposit transaction is a transaction to deposit cash received from a customer. For example, a deposit transaction in which cash is deposited in a savings account, a fixed deposit transaction in which cash is deposited in a time deposit account, or cash is transferred to a predetermined account. There are transfer transactions. The withdrawal transaction is a transaction for paying cash to a customer, and includes, for example, a withdrawal transaction for withdrawing cash from an account, and a fixed deposit cancellation transaction for canceling a time deposit and repaying cash from a time deposit account.

  The financial institution host server 2 is a host server of a basic system of a financial institution. The financial institution host server 2 executes transactions based on the transaction information received from the ATM 1-n via the communication line 3, and manages completed transaction information.

(A-1-2) Detailed Configuration of ATM FIG. 3 is an external configuration diagram showing an external configuration of ATM 1-n according to this embodiment. In FIG. 3, ATM1-n which concerns on this embodiment has the operation display part 11, the banknote depositing / withdrawing port 12, the coin depositing / withdrawing port 13, the bankbook entrance / exit 14, and the card entrance / exit 15.

  The operation display unit 11 displays, for example, a transaction type selection menu screen, an operation screen for each transaction type, a transaction content confirmation screen, and the like, and takes in input information input by a customer. For example, a touch panel type operation display unit can be applied to the operation display unit 12. The operation display unit 12 is not limited to the touch panel type in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different from each other.

  The banknote deposit / withdrawal port 12 is for a customer to insert a banknote or to discharge a banknote.

  The coin inlet / outlet 13 is used by a customer to input coins or to discharge coins.

  The bankbook entry / exit 14 is for the customer to insert a bankbook or to discharge the bankbook.

  The card entry / exit 15 is for the customer to insert a cash card or discharge the cash card.

  FIG. 1 is an internal configuration diagram showing the internal configuration of the ATM 1-n according to this embodiment. The ATM 1-n includes, for example, a control device, a communication device, a mechanism unit, and the like, and FIG. 1 functionally illustrates the internal configuration of the ATM 1-n.

  In FIG. 1, ATM1-n has the control part 21, the memory | storage part 22, the communication part 23, the operation display control part 24, the card mechanism part 25, the bankbook mechanism part 26, and the cash mechanism part 27. FIG.

  The control unit 21 is a processing unit or device that controls the overall function of the ATM 1-n. The control unit 21 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, and the like. Various functions of the ATM 1-n are executed by the CPU executing processing programs stored in the ROM. Is realized. Moreover, the function of ATM1-n may be constructed by installing the processing program. Even in this case, the function can be shown in FIG.

  A transaction processing unit 211 is provided as a main function of the control unit 21. The transaction processing unit 211 performs transaction processing of the type selected based on the input information input by the customer while displaying the guidance screen of the transaction type selected by the customer operation. The transaction processing unit 211 performs various transaction processes such as a deposit transaction and a withdrawal transaction. The transaction processing unit 211 of this embodiment includes at least the time deposit cancellation processing unit 30.

  The time deposit cancellation processing unit 30 performs a customer's time deposit cancellation transaction. The fixed deposit cancellation processing unit 30 performs a full cancellation transaction for canceling the entire amount of the fixed deposit account and a partial cancellation transaction for canceling a part of the amount deposited in the fixed deposit account.

  Here, the partial cancellation transaction refers to a transaction in which a full cancellation transaction and a fixed deposit deposit transaction in which a portion is deposited in a fixed deposit account are continuously performed by one customer operation. That is, when viewed from the customer who operates ATM1-n, the partial cancellation transaction of the time deposit can be terminated by one transaction operation. Further, from the financial institution host server 2, it can be considered that two kinds of transactions such as a full cancellation transaction and a time deposit deposit transaction are continuously performed as in the past.

  In the core system on the financial institution host server 2 side, when the transaction type of partial cancellation transaction is not managed as one category, the financial institution host server 2 has two types of cancellation: full cancellation transaction and time deposit deposit transaction. These transactions may be continuously executed and managed. When the transaction type of partial cancellation transaction is managed as one category, the financial institution host server 2 may manage the executed partial cancellation transaction.

  The time deposit cancellation processing unit 30 includes a customer time deposit information output unit 31, a cancellation target acquisition unit 32, a cancellation content acquisition unit 33, a deposit content acquisition unit 34, and an interest receiving method acquisition unit 35.

  When the time deposit cancellation transaction is selected through the menu screen, the customer time deposit information output unit 31 performs transaction including the card information of the inserted card, the entered password, the passbook information of the inserted passbook, etc. Information is transmitted to the financial institution host server 2, information related to the time deposit for which the customer is contract pending (hereinafter also referred to as customer time deposit information) is obtained from the financial institution host server 2, and the acquired contract pending information The customer time deposit information is displayed on the operation display unit 11.

  Here, customer time deposit information is information including the details of time deposits contracted by the customer. For example, the term deposit type, the deposit amount at the time of deposit, the current deposit amount including the interest amount, the term deposit period, and the maturity date. , Interest rates, account numbers, etc., or a part of them. Also, depending on the type of time deposit, only the full amount can be canceled, and there are some that cannot be canceled. Therefore, the customer time deposit information may include information indicating whether partial cancellation is possible.

  Generally, for a time deposit, a dedicated account number for a time deposit is established. In some cases, a general account including ordinary deposits and time deposits may be opened. The financial institution host server 2 manages customer time deposit information in association with account numbers and customer information (for example, customer name / name, address, telephone number, etc.). The customer time deposit information output unit 31 may output customer time deposit information based on the account number and / or customer information.

  For example, the customer time deposit information output unit 31 transmits card information, passbook information, and the like to the financial institution host server 2. The financial institution host server 2 may retrieve customer information based on card information, passbook information, etc., and retrieve all customer time deposit information corresponding to the retrieved customer information. In this case, the customer time deposit information output unit 31 may output all customer time deposit information corresponding to the customer information acquired from the financial institution host server 2.

  Further, for example, the customer time deposit information output unit 31 transmits information including an account number such as card information and passbook information to the financial institution host server 2. The financial institution host server 2 may search for all customer time deposit information corresponding to the account number. In this case, the customer time deposit information output unit 31 may output all customer time deposit information corresponding to the account number acquired from the financial institution host server 2.

  The cancellation target acquisition unit 32 receives customer time deposit information displayed on the operation display unit 11 that the customer desires to cancel. That is, the cancellation target acquisition unit 32 acquires a time deposit to be canceled by a customer operation.

  The cancellation content acquisition unit 33 accepts a cancellation method for a time deposit that is a cancellation target selected by the customer in the cancellation target acquisition unit 32. That is, the cancellation content acquisition unit 33 accepts either a full cancellation or a partial cancellation method. Further, the cancellation details acquisition unit 33 acquires an amount input related to partial cancellation when partially canceling a time deposit. If the cancellation target is a part that cannot be canceled, the cancellation content acquisition unit 33 may not accept selection of a cancellation method.

  In addition, the cancellation details acquisition unit 33 stores the time deposit cancellation information including the time deposit to be canceled acquired by the cancellation target acquisition unit 32, the cancellation method, and the amount related to cancellation in the case of partial cancellation. This is transmitted to the server 2.

  Here, various methods can be widely applied as a method of selecting a cancellation method by the cancellation content acquisition unit 33.

  For example, in order to allow the customer to select full cancellation or partial cancellation, display buttons of the “full cancellation” and “partial cancellation” are displayed on the display screen of the operation display unit 11 and the selected cancellation method is selected. There is a method of proceeding the cancellation process according to the type.

  In addition, for example, a key input part for inputting the amount related to partial cancellation and a selection button for “total cancellation” are displayed on the display screen, and the cancellation details when the key input unit confirms the amount and is confirmed by the customer The acquisition unit 33 may determine “partial cancellation”, and when the “full cancellation” selection button is selected, the cancellation content acquisition unit 33 may determine “full cancellation”.

  The payment content acquisition unit 34 acquires the deposit conditions for the time deposit by the customer operation via the operation display unit 11 when partial cancellation is selected by the customer operation. That is, the deposit content acquisition unit 34 acquires the deposit details such as the term deposit type, term deposit period, maturity date, and interest rate when the remaining amount of the term deposit account is used as a new deposit amount.

  The interest receiving method acquisition unit 35 acquires an interest payment method for a time deposit using the remaining amount of the time deposit account, which is input by a customer operation, as a new deposit amount, through the operation display unit 11.

  The interest receiving method acquiring unit 35 causes the financial institution host server 2 to transmit the deposit content information acquired by the deposit content acquiring unit 34 by the customer operation and the time deposit information including the interest receiving method.

  The storage unit 22 includes a processing program executed by the control unit 21, various types of information necessary for information processing, a display screen (may include still images and moving images) displayed on the operation display unit 11, and the like. It is something to remember. The storage unit 22 is used as secondary storage means by the control unit 21, and for example, a nonvolatile storage device such as a flash memory, a hard disk (HDD), a storage medium (for example, a CD-R), or the like is applied. be able to.

  The communication unit 23 is a network interface for communicating information with the financial institution host server 2.

  The operation display control unit 24 controls the user interface function of ATM1-n. Specifically, the operation display control unit 24 presents an operation screen to the user using, for example, the touch panel type operation display unit 11, outputs information to the user, and receives an operation from the user (menu selection) , Transaction type input, amount input, number input, etc.).

  The card mechanism unit 25 gives the data to the data reading control unit 10 stored in the data storage unit of a card (for example, a cash card, a credit card, etc.) inserted from the card slot 15, and writes the data to the card. It is something to do.

  The passbook mechanism unit 26 reads and writes data in a data storage unit such as a magnetic stripe of a passbook inserted into the passbook insertion / exhaust port 12 and performs passbook entry processing.

  The cash mechanism unit 27 has a function of storing the deposited money (banknotes and / or coins) and a function of withdrawing the stored money to the user. In this embodiment, it is assumed that the cash mechanism unit 27 can deposit / withdraw bills from the bill deposit / withdrawal port 12 and deposit / withdraw coins from the coin deposit / withdrawal port 13.

(A-1-3) Detailed Configuration of Financial Institution Host Server 2 FIG. 4 is an internal configuration diagram showing an internal configuration of the financial institution host server 2 according to the embodiment. The financial institution host server 2 is a backbone system server of a financial institution, and has a control device, a communication device, a database, and the like, similar to the existing server.

  In FIG. 4, the financial institution host server 2 includes a control unit 41, a storage unit 42, a communication unit 43, a customer information management database 44, and a transaction information management database 45.

  The control unit 41 is a processing unit or device that controls the overall function of the financial institution host server 2. The control unit 41 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, and the like, and the CPU executes a processing program stored in the ROM so that the financial institution host server 2 Various functions are realized. Further, the function of the financial institution host server 2 may be constructed by installing the processing program. Even in this case, the function can be shown in FIG.

  The main functions of the control unit 41 include a customer time deposit information providing unit 411, a time deposit cancellation transaction unit 412, a time deposit payment transaction unit 413, and a transaction information management unit 414.

  When the customer time deposit information providing unit 411 receives the transaction information including the type indicating the time deposit release transaction, the card information, the password, the passbook information, and the like from the ATM 1-n, the customer time deposit information providing unit 411 receives the transaction information by referring to the customer information management database 44. The customer time deposit information corresponding to the transaction information is transmitted to the ATM 1-n.

  For example, the customer time deposit information providing unit 411 searches for customer information based on the card information and passbook information received from the ATM 1-n, and searches for and transmits all customer time deposit information corresponding to the searched customer information. You may make it do. Also, for example, the customer time deposit information providing unit 411 searches for and transmits all customer time deposit information corresponding to the account number based on information including the account number such as card information and passbook information received from the ATM 1-n. You may do it.

  When the time deposit cancellation transaction unit 412 receives time deposit cancellation information (for example, information including the time deposit subject to cancellation, the cancellation method, and the amount related to cancellation in the case of partial cancellation) from ATM1-n, This is a transaction to cancel a customer's time deposit.

  In addition, in the case of partial cancellation, the time deposit cancellation transaction unit 412 displays deposit contents information (for example, information including the type of time deposit, time deposit period, interest rate, type of interest receiving method, etc.) corresponding ATM1-n. To send to.

  The time deposit deposit transaction unit 413 receives a time deposit information (for example, information including deposit contents information and an interest receiving method) from the ATM 1-n, and performs a time deposit transaction to the corresponding customer's time deposit account. It is.

  The transaction information management unit 414 stores the completed transaction information in the transaction information management database 45 and manages the transaction information. The transaction information management unit 414 stores the time deposit cancellation transaction information and the time deposit payment transaction information executed by the time deposit cancellation transaction unit 412 and the time deposit payment transaction unit 413 in the transaction information management database 45.

  The storage unit 42 stores a processing program executed by the control unit 41, various information necessary for information processing, and the like. The storage unit 42 is used as a secondary storage unit by the control unit 41. For example, a nonvolatile storage device such as a flash memory, a hard disk (HDD), or a storage medium (for example, a CD-R) is applied. be able to.

  The communication unit 43 is a network interface for communicating information with the ATM 1-n.

  The customer information management database 44 stores and manages customer information, and manages ordinary deposit accounts, fixed deposit accounts, etc. in association with customer information (customer name / name, address, telephone number, etc.). It is.

  The transaction information management database 45 stores and manages transaction information.

  As the customer information management database 44 and the transaction information management database 45, a database constructed in an existing backbone system of a financial institution can be applied.

(A-2) Operation of Embodiment FIG. 5 is a flowchart showing the operation of the time deposit cancellation processing in the transaction system 5 according to this embodiment.

  In FIG. 5, first, in order to select a transaction type, a menu screen for selecting a transaction type is displayed on the operation display unit 11 of the ATM 1-n. A fixed deposit cancellation transaction is selected as a transaction type by a customer operation in the operation display unit 11, and the operation display control unit 24 gives the selected transaction type information to the control unit 21 (S101).

  At this time, in order to acquire card information, passbook information, etc., card insertion, password display display screen output, passbook insertion, etc. are prompted, and card information, password, passbook information, etc. are given to the control unit 21.

  The time deposit cancellation processing unit 30 obtains customer time deposit information to be canceled from the financial institution host server 2, transaction type information (that is, transaction type information for time deposit cancellation transaction), card information, Transaction information including a password and passbook information is transmitted to the financial institution host server 2 (S102).

  In the financial institution host server 2, the customer time deposit information providing unit 411 refers to the customer information management database 44 and based on the card information, PIN number, passbook information, etc. included in the transaction information acquired from the ATM1-n. The customer time deposit information of the customer is searched (S103). For example, the customer time deposit information providing unit 411 performs an authentication process based on the card information and the personal identification number, and refers to the customer information management database 44 when the authentication is successful, and includes an account included in the card information or the passbook information. Search for time deposit information associated with a number.

  Then, in order to provide the searched customer time deposit information to the ATM 1-n, the customer time deposit information is transmitted from the customer time deposit information providing unit 411 to the ATM 1-n (S104).

  In ATM1-n, the customer time deposit information output unit 31 causes the operation display unit 11 to display a display screen including the customer time deposit information received from the financial institution host server 2 (S105), and the cancellation target acquisition unit 32 performs the customer operation. A time deposit to be canceled is acquired (S106).

  FIG. 6 is a screen diagram showing an example of a customer time deposit information display screen according to this embodiment. As shown in FIG. 6, the customer time deposit information display screen 500 includes a display unit 501 that displays all customer time deposit information acquired from the financial institution host server 2 and a “cancel” button 502 for canceling the time deposit cancellation. And “other” button 503 for displaying other customer time deposit information when there is a number of customer time deposit information that cannot be displayed on the display unit 501. In FIG. 6, the customer selects the term deposit to be canceled from the customer term deposit information displayed on the display unit 501 and presses the selection button.

  When the cancellation target is specified, a cancellation content input screen is displayed on the operation display unit 11, and the customer selects and inputs the cancellation method, the cancellation content, etc. of the cancellation target, and the cancellation content acquisition unit 33 acquires the cancellation content ( S107).

  FIG. 7 is a screen diagram showing an example of a cancellation content input screen 510 according to this embodiment. As shown in FIG. 7, in this embodiment, the cancellation details input screen 510 displays, for example, “in the case of depositing a part of a canceled period as part of a fixed deposit, in order to select full cancellation or partial cancellation of the fixed deposit. In addition to the guidance display such as “Please press the amount. If you want to cancel the full amount, please press the full cancellation key”, it has a content display section 511 for displaying the time deposit information that the customer wants to cancel. When canceling the full amount according to the guidance display, the customer selects the “full cancel” key 512, and when canceling the partial amount, the customer operates the key input unit 513 to input the amount of partial cancellation and enter “ The “Confirm” key 514 is selected.

  If the customer does not select partial cancellation (that is, if the customer selects full cancellation), the time deposit information to be canceled and the time deposit cancellation information including the fact that it is full cancellation are sent to the financial institution host server 2 (S109). When canceling the full amount of the time deposit, the processing in the financial institution host server 2 moves to S112, and the time deposit cancellation transaction unit 412 executes the full time transaction of the time deposit (S112), and the transaction end information is transferred to ATM1-n. The transaction is completed by sending (S120).

  On the other hand, when the customer selects partial cancellation, the cancellation details acquisition unit 33 acquires the amount related to the partial cancellation through the cancellation details input screen 510 of FIG. Time deposit cancellation information including the amount related to the partial cancellation is transmitted to the financial institution host server 2 (S111). When partially canceling a time deposit, in the financial institution host server 2, a time deposit full transaction is executed by the time deposit cancellation transaction unit 412 (S112).

  When a transaction is being executed in the financial institution host server 2, a standby screen 520 is displayed on the operation display unit 11 of the ATM 1-n as illustrated in FIG.

  In the case of partial cancellation of a fixed deposit, the financial institution host server 2 terminates the fixed deposit cancellation transaction, and the fixed deposit cancellation transaction unit 412 performs payment details information (for example, fixed deposit type, fixed deposit period, maturity date, interest rate). , Information including the type of interest receiving method) is transmitted to the ATM 1-n (S113).

  When the deposit details information is received at the ATM 1-n, a deposit details screen is displayed on the operation display unit 11 in order to show the customer the contract details of the term deposit for the balance of the term deposit account. A deposit type, a fixed deposit period, an interest rate, and the like are selected by a customer operation via the deposit content screen of the operation display unit 11, and the deposit content acquisition unit 34 acquires the deposit content (S114).

  FIG. 9 is a screen diagram showing an example of a deposit content screen according to this embodiment. In FIG. 9, the deposit details screen 530 displays a term deposit content display portion 531 including a term deposit period and an interest rate for each type of term deposit. Further, when there are other types of time deposits, the “other” key 533 is selected to display the other types of time deposits. The customer selects a desired time deposit type, time deposit period, and interest rate for the remaining amount of the time deposit account from among the types of time deposits displayed in the time deposit content display section 531 and selects the “confirm” key 532. .

  Next, an interest receiving screen is displayed on the operation display unit 11 in order to select an interest receiving method when the balance of the time deposit account is a time deposit.

  FIG. 10 is a screen diagram showing an example of the interest receiving screen according to this embodiment. In FIG. 10, the interest receiving screen 540 displays, for example, a “principal growth type” and “interest receiving type” selection key 541 as an interest receiving method. After the selection key 541 is selected by the customer, the “confirm” key 542 is displayed. Is selected.

  The operation display unit 11 displays a deposit content confirmation screen for depositing the remaining amount of the time deposit as a time deposit.

  FIG. 11 is a screen diagram showing an example of a deposit content confirmation screen according to this embodiment. In FIG. 11, the deposit details confirmation screen 550 shows the contents of the deposit conditions of the time deposit entered by the customer in the screens of FIGS. 9 and 10 together with a guidance display such as “Please confirm if the transaction details are good”. Is displayed. For example, in the example of FIG. 11, “Deposit type: Super time deposit (automatic continuation) principal growth type”, “Period: 1 year”, “Interest rate: 0.800%”, “Amount: 3,000,000 yen "Is displayed.

  Then, when the “confirm” key 542 is selected by the customer, the payment contents are acquired (S114). In order to deposit the balance of the time deposit account into the time deposit account, time deposit information is transmitted to the financial institution host server 2 (S115).

  In the financial institution host server 2, the time deposit deposit transaction unit 413 receives the time deposit information received from the ATM 1-n (for example, information including the payment details information and the interest receiving method) and the corresponding customer's time deposit account. The time deposit deposit transaction is executed (S116), and the transaction is completed (S120).

  At this time, when a transaction is being executed in the financial institution host server 2, a standby screen 520 is displayed on the operation display unit 11 of the ATM 1-n as illustrated in FIG.

  When the transaction end information is received by the ATM 1-n from the financial institution host server 2 (S117), the ATM 1-n executes passbook entry, statement slip printing, etc. relating to the partial cancellation transaction of the time deposit (S118). ) A transaction completion screen is displayed on the operation display unit 11 (S119), and the process ends.

  At this time, for example, the passbook receipt guidance screen 560 illustrated in FIG. 12 is displayed on the operation display unit 11, the card and statement slip receipt guidance screen 570 illustrated in FIG. 13 is displayed on the operation display unit 11, and the process ends. To do.

(A-3) Effect of Embodiment As described above, according to this embodiment, operations related to a time deposit cancellation transaction and a time deposit payment transaction can be continuously performed in one transaction operation. As a result, it is possible to reduce the burden of the customer's transaction operation, and to shorten the transaction operation time by the customer.

(B) Other Embodiments Although various modified embodiments have been mentioned in the above-described embodiments, the present invention can also be applied to the following modified embodiments.

(B-1) In the above-described embodiment, the case where the transaction system of the present invention partially cancels a time deposit from an ATM installed in a financial institution is illustrated. However, the transaction system of the present invention can also be applied when, for example, a customer partially cancels a time deposit using a personal computer or a mobile communication terminal (for example, a smartphone or a tablet terminal).

  The transaction apparatus according to the present invention is a concept including a personal computer having a communication function used by a customer, a mobile communication terminal, and the like.

(B-2) In the embodiment described above, when the ATM displays the customer time deposit information, for example, the customer time deposit information in which the term has reached the maturity date is excluded. good.

  For example, in the financial institution host server, the customer time deposit information providing unit can provide the information to the ATM side excluding the searched customer time deposit information that has reached the maturity date.

  Further, for example, in ATM, the customer time deposit information output unit may display so that it cannot be selected for customer time deposit information that has reached the maturity date.

(B-3) In ATM, when displaying customer fixed deposit information, the customer fixed deposit information output unit may display the customer fixed deposit information in an order that the customer would like to cancel. good. For example, the maturity date may be displayed in order from the closest date to the current date, or may be displayed in order from the largest deposit amount.

DESCRIPTION OF SYMBOLS 5 ... Transaction system, 1-1 to 1-N ... Automatic transaction apparatus (ATM), 2 ... Financial institution host server, 3 ... Communication line, 11 ... Operation display part,
DESCRIPTION OF SYMBOLS 21 ... Control part, 22 ... Memory | storage part, 23 ... Communication part, 24 ... Operation display control part, 211 ... Transaction processing part, 30 ... Time deposit cancellation processing part, 31 ... Customer time deposit information output part, 32 ... Acquisition of cancellation object , 33 ... Cancellation content acquisition unit, 34 ... Deposit content acquisition unit, 35 ... Interest receipt method acquisition unit,
DESCRIPTION OF SYMBOLS 41 ... Control part, 42 ... Memory | storage part, 43 ... Communication part, 44 ... Customer information management database, 45 ... Transaction information management database, 411 ... Customer time deposit information provision part, 412 ... Time deposit cancellation transaction part, 413 ... Time deposit Deposit transaction department, 414 ... transaction information management department.

Claims (9)

In a transaction apparatus that performs a deposit cancellation transaction of the above-mentioned time deposit to a financial institution host server that manages the time deposit deposited in an account,
At least a deposit cancellation processing means for canceling a part of the deposit amount of the above fixed deposit amount by the same transaction operation. An operation display means for accepting a transaction operation is provided,
The deposit cancellation processing means
When partially canceling a fixed deposit designated for cancellation through the operation display means, the deposit cancellation transaction information of the fixed deposit is given to the financial institution host server and subsequently acquired through the operation display means. 2. The transaction apparatus according to claim 1, wherein deposit deposit transaction information of an amount to be left in the time deposit is provided to the financial institution host server. The deposit cancellation processing means
A cancellation details acquisition unit that provides the financial institution host server with the deposit cancellation transaction information of the fixed deposit when partially canceling the fixed deposit designated as the cancellation target;
A deposit content acquisition unit for providing the financial institution host server with deposit deposit transaction information including deposit deposit content information to be deposited in the acquired time deposit following the selection of the partial cancellation. Or the transaction apparatus of 2.   The cancellation content acquisition unit displays a transaction operation screen for accepting a cancellation method for full cancellation or partial cancellation for a time deposit designated as a cancellation target on the operation display means, and acquires the cancellation method. 4. The transaction apparatus according to claim 3, wherein   The cancellation details acquisition unit displays on the operation display means a transaction operation screen for acquiring amount information for partial cancellation of the deposit amount of the fixed deposit designated as the cancellation target, and the acquired amount information for partial cancellation is displayed. 5. The transaction apparatus according to claim 3, wherein deposit cancellation transaction information is provided to the financial institution host server. The deposit cancellation processing means
A customer deposit information output unit for outputting a transaction operation screen including customer deposit information acquired from the financial institution host server to the operation display means;
6. The transaction apparatus according to claim 2, further comprising: a cancellation target acquisition unit configured to acquire a time deposit to be canceled from the customer deposit information through the operation display unit.   The customer deposit information output unit outputs, to the operation display means, a transaction operation screen with information indicating whether or not partial cancellation of the customer deposit information is possible. 6. Transaction apparatus according to 6. A financial institution host server that manages time deposits deposited in an account;
A transaction system comprising: a transaction apparatus that performs a deposit cancellation transaction for the time deposit to the financial institution host server;
The transaction apparatus comprises at least a deposit cancellation processing means for canceling a part of the deposit amount of the time deposit with the same transaction operation,
The financial institution host server performs a deposit cancellation transaction means for performing a deposit cancellation transaction for the fixed deposit and subsequently performing a deposit transaction for the fixed deposit based on the fixed deposit cancellation transaction information acquired from the transaction device. A transaction system characterized by comprising. In a transaction program that performs a deposit cancellation transaction for the above-mentioned time deposit to a financial institution host server that manages time deposits deposited in an account,
Computer
A transaction program characterized by functioning as a deposit cancellation processing means for canceling a part of the deposit amount of the fixed deposit amount by the same transaction operation.

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