JP4747499B2 - Automatic transaction apparatus and fee display system for automatic transaction apparatus - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and a fee display system for an automatic transaction apparatus.

  Conventionally, automatic transaction machines such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) have been installed at branches of financial institutions such as banks, credit unions, post offices, etc. Yes. And a customer operates the said automatic transaction apparatus by himself and performs financial transactions, such as payment | withdrawal, withdrawal, transfer, transfer, and passbook entry (for example, refer patent document 1).

  In this case, a transaction selection screen is displayed on a display device including a touch panel in the customer operation unit of the automatic transaction apparatus. Then, the customer selects, for example, by touching a “withdrawal” key from selection items as selection means displayed on the display device of the customer operation unit. As a result, a guidance screen for withdrawal is displayed on the display device of the customer operation unit, so that the customer touches the display device according to the displayed guidance, and enters a PIN, an amount, a cash card, etc. Necessary operations for withdrawals such as inserting cards and bankbooks are sequentially performed. When the customer performs an operation according to the guidance, a guidance screen for guiding the next operation is displayed on the display device. Lastly, a lid member of the money delivery port in the customer operation unit is opened, and a medium such as cash, a card, a passbook, or a transaction statement slip is returned. Then, the customer receives the returned medium and ends the financial transaction.

The transaction fee relating to the financial transaction performed by operating the automatic transaction device is issued on the confirmation screen displayed on the display device at the final stage of the financial transaction or issued at the final stage of the financial transaction. The customer is notified by printing on a transaction statement.
Japanese Patent Laid-Open No. 5-73751

  However, in the conventional automatic transaction apparatus, since the transaction fee is notified to the customer at the stage when the financial transaction ends, the customer selects the transaction type in consideration of the transaction fee, I could not determine the amount.

  In general, transaction fees vary depending on the day of the week or time of day when a financial transaction is performed, transaction type, transaction amount, transfer destination, and the like. There are also financial institutions that offer a service that discounts usage fees in stages according to customer account balances, transaction status, and the like. As described above, since the fee structure of the transaction fee is complicated and it is necessary to determine whether or not various conditions are satisfied, it is difficult for general customers to grasp the transaction fee in advance. Therefore, customers may not be able to select the transaction type or determine the transaction amount after considering the transaction fee, and may be dissatisfied with the transaction fee recognized at the end of the financial transaction. .

  The present invention solves the problems of the conventional automatic transaction apparatus and displays the transaction fee or its range at each stage of the financial transaction so that the customer can grasp the transaction fee in advance. It is an object to provide an automatic transaction apparatus and a fee display system for an automatic transaction apparatus that are capable of performing financial transactions in consideration of the above and that are not dissatisfied with transaction fees.

Therefore, the automatic transaction apparatus according to the present invention is an automatic transaction apparatus that is operated by a customer to perform a financial transaction, and corresponds to a financial institution that is a candidate for performing a transaction based on fee data received from a host computer. Transaction fee display means for displaying a range of transaction fees on a display device of a customer operation unit, and the range of the displayed transaction fee according to a financial institution selected by a selection operation of a financial institution at the customer operation unit by the customer And a narrowing means for narrowing down.

In another automated transaction device of the present invention, further, the host computer is that to calculate the range of the transaction fee at a timing which has obtained the information of the customer.

Still another automatic transaction apparatus according to the present invention is an automatic transaction apparatus that is operated by a customer to perform a financial transaction, a fee data search means for searching a fee data database based on information such as transaction date and time, and a host computer Calculating means for calculating discounted fee data based on the discount amount or discount rate received from the client, and based on the fee data, the range of transaction fees corresponding to financial institutions that are candidates for transactions Transaction fee display means to be displayed on the display device, and narrowing means for narrowing down the range of the displayed transaction fee according to the financial institution selected by the selection operation of the financial institution at the customer operation unit by the customer.

In yet another automatic transaction apparatus of the present invention, the calculation unit, the high-level computer you calculate the fee data at a timing which has obtained the information of the customer.

The automatic transaction apparatus fee display system of the present invention is an automatic transaction apparatus fee display system having an automatic transaction apparatus, a host computer, a fee data database, and a customer data database, wherein the upper computer includes information such as transaction date and time. Fee data search means for searching the fee data database based on the customer data, customer data search means for searching the customer data database based on information such as an account number, etc., whether the customer is eligible for a fee discount based on the customer data A discount object determining means for determining whether or not the customer is a fee discount object, and calculating means for calculating discounted fee data, wherein the automatic transaction apparatus is based on the fee data received from the host computer And dealing with financial institutions that are candidates for trading Transaction fees display means for displaying the range fee on the display device of the customer operation unit, and narrows down the range of transaction fees that the display in response to a financial institution selected by the financial institution selection operation at the customer operating unit by the customer A narrowing means is provided.

In another automatic transaction apparatus fee display system of the present invention, an automatic transaction apparatus fee display system including an automatic transaction apparatus, a host computer, a fee data database, and a customer data database, wherein the host computer includes an account number, etc. Customer data search means for searching the customer data database based on the information of the customer, discount target determination means for determining whether the customer is eligible for the commission discount based on the customer data, and if the customer is subject to the commission discount Computation means for calculating a discount amount or a discount rate in a certain case, the automatic transaction apparatus, fee data search means for searching the fee data database based on information such as transaction date and time, discount amount received from the host computer Or a calculation means for calculating discounted fee data based on the discount rate, Transaction fee display means for displaying on the display device of the customer operation unit the transaction fee range corresponding to the financial institution that is a candidate for transaction based on the fee data, and selection operation of the financial institution by the customer at the customer operation unit The narrowing-down means for narrowing down the range of the displayed transaction fee according to the financial institution selected by (1) is provided.

  According to the present invention, the transaction fee or its range is displayed at each stage of the financial transaction. Therefore, the customer can grasp the transaction fee in advance, can perform a financial transaction in consideration of the transaction fee, and is not dissatisfied with the transaction fee.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing a configuration of a fee display system for an automatic transaction apparatus according to the first embodiment of the present invention.

  In the figure, 10 is a fee display system for an automatic transaction apparatus according to the present embodiment. Reference numeral 11 denotes an automatic transaction apparatus such as an ATM or a CD installed in a branch office of a financial institution such as a bank, a credit union, a post office, etc. It is a device for conducting financial transactions such as withdrawals, passbook entry, balance inquiry, transfer, and transfer. The automatic transaction apparatus 11 can be used for a main store, a branch, etc. of a financial institution, a store of a store such as a convenience store, a supermarket, a department store, a station premises, an underground mall, a city hall, a public facility such as a hospital, a factory, an office, etc. It may be installed in any place, such as a private company, a parking lot, or outdoors such as a roadside. The automatic transaction apparatus 11 may be a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. Good. The customer is a person who opens his / her own account at a financial institution and uses the financial institution, and is generally an individual, but may be a company, an organization, or the like.

  Here, the automatic transaction apparatus 11 is a kind of computer that includes an operation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and operates according to a program. The automatic transaction apparatus 11 includes an input device such as a keyboard and a touch panel, a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display, a voice input device such as a microphone for inputting a customer's voice, a voice A customer operation unit having a voice output device such as a speaker for guidance is provided. In addition, in order to make it easy for a customer to perform an operation, the input device is preferably a touch panel that also has a function of a display device.

  The automatic transaction apparatus 11 has a card processing unit (not shown) that handles cards such as cash cards. Here, the card is a card for performing a financial transaction such as deposit, withdrawal, transfer, balance inquiry, etc. issued to a customer by a financial institution, and information such as the customer's name, account number, and personal identification number. A magnetic stripe for storing is provided. The member that stores the information may be an IC embedded in a card instead of the magnetic stripe. The card processing unit includes a card slot into which a card is inserted and ejected. In the card slot, a transport device that transports the card and reading information stored in a magnetic stripe or IC of the card. In addition, a recording head such as a magnetic head for overwriting, erasing and the like is provided. It is desirable that the card processing unit can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  Further, the card processing unit has a function of issuing a transaction statement slip. The transaction slip is a piece of paper on which information related to financial transactions performed by the customer, such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit, etc., is printed, account number, financial transaction Type, transaction amount, etc. are printed. The transaction statement slip may be issued only when the customer desires.

  The automatic transaction apparatus 11 has a passbook entry unit (not shown) for making a book entry in a passbook such as a bankbook. Here, the passbook is a booklet passbook such as a deposit passbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  The passbook entry unit includes a passbook slot into which a passbook is inserted. In the passbook slot, a transfer device that transports the passbook, a print head that prints a record of the financial transaction on the passbook, and a passbook magnetic field A recording head such as a magnetic head for reading, overwriting and erasing information stored in a stripe or IC is provided.

  Further, the automatic transaction apparatus 11 has a money deposit / withdrawal unit (not shown) that handles banknotes and coins. The money deposit / withdrawal unit receives and counts, ie, counts, the cash deposited by the customer in the financial transaction such as deposit, and pays out a predetermined amount of cash from the cash receiving port in the financial transaction such as withdrawal. The cash receiving port is provided with a shutter that can be opened and closed, and the shutter is opened when paying out cash. The automatic transaction apparatus 11 includes information for identifying whether the name of the financial institution displayed on the customer operation unit is the bank, the other bank, or the affiliated financial institution, and the branch name displayed on the customer operation unit. A database having information specifying whether it is a store or another store is provided.

  Reference numeral 13 denotes a host computer as a high-order computer of the accounting system constructed in a computer system in a financial institution where the customer has opened an account, and a storage means such as a calculation means such as a CPU or MPU, a semiconductor memory or a magnetic disk And a communication interface, etc., which operate according to a program to process various financial transactions related to an account opened in the financial institution. The host computer 13 may be constituted by a single computer such as a large general-purpose computer, or a plurality of computers connected organically such as a distributed server. It may be a thing or one of a plurality of systems constructed in a large computer.

  The automatic transaction apparatus 11 is connected to a host computer 13 via an automatic transaction apparatus network 12. The processing related to the financial transaction requested using the automatic transaction apparatus 11 is transmitted to the host computer 13 via the automatic transaction apparatus network 12, executed, and recorded. The automatic transaction apparatus network 12 includes a wired or wireless public communication line network, a dedicated communication line network, the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite. Any communication line network such as a communication line network may be used, or a combination of these may be used as appropriate. In addition, although the said automatic transaction apparatus 11 is actually plural, it demonstrates here that the automatic transaction apparatus 11 represents all the automatic transaction apparatuses.

  Reference numeral 14 denotes a database server as a server, which includes a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication interface, etc., operates according to a program, and operates the automatic transaction apparatus 11 Various data related to transaction fees and various data related to customers such as customer information are managed. Further, the database server 14 stores a fee data database 15 for storing various data relating to transaction fees when a financial transaction is performed by operating the automatic transaction apparatus 11 such as a transaction fee for each transaction type and a discount rate of the transaction fee. And a customer data database 16 for storing various data related to the customer such as customer information, customer transaction history, customer account balance, and the like. The database server 14 is connected to the automatic transaction apparatus network 12 and the host computer 13.

  Here, the database server 14 may be constituted by a single computer such as a large general-purpose computer, or a plurality of computers connected organically like a distributed server. Alternatively, it may be one of a plurality of systems constructed in a large computer. The database server 14 may be integrated with the host computer 13 or may be one of a plurality of systems constructed in the host computer 13. In this case, the fee data database 15 and the customer data database 16 are connected to or built in the host computer 13.

  Next, data managed by the database server 14 will be described.

  FIG. 2 is a diagram showing an example of transaction fee calculation fee data in the first embodiment of the present invention, and FIG. 3 is a diagram showing an example of customer data in the first embodiment of the present invention.

  The fee data database 15 stores a fee data table as shown in FIG. 2 in order to calculate a transaction fee when the automatic transaction apparatus 11 is operated to perform a financial transaction. In this table, transaction fees are defined according to conditions such as transaction type, day of the week, and time zone. In addition to the one shown in the figure, the commission data for the transfer includes "transfer (cash card / owner's bank address / 30,000 yen or less)", "transfer (cash card / other bank / 30,000 yen or less)" Fees are determined for each different transaction type such as “transfer (cash card / to partner financial institution, 30,000 yen or less)” and the fee data is stored.

  The customer data database 16 stores a customer data table as shown in FIG. In this table, data relating to transaction details such as account number, name, account balance, presence / absence of salary transfer, presence / absence of utility bill payment, and the like are stored.

  From the viewpoint of function, in the present embodiment, the host computer 13 uses the fee data search means for searching the fee data database 15 based on information such as transaction date and time, and the customer based on information such as an account number. Customer data search means for searching the data database 16, discount object determination means for determining whether or not a customer is eligible for a fee discount based on the customer data, and discount when the customer is eligible for a fee discount A calculation means for calculating fee data is included. Further, the automatic transaction apparatus 11 is configured to display a transaction fee display means for displaying a transaction fee corresponding to a transaction or a range of the transaction fee on a display device of a customer operation unit based on fee data received from the host computer 13, and And means for narrowing down the range of the transaction fee according to the operation of the customer operation unit by the customer.

  Next, the operation of the fee display system 10 of the automatic transaction apparatus having the above configuration will be described.

  FIG. 4 is a diagram showing an example of a transaction selection screen displayed on the customer operation unit of the automatic transaction apparatus according to the first embodiment of the present invention, and FIG. 5 is an illustration of the automatic transaction apparatus according to the first embodiment of the present invention. FIG. 6 shows an example of a screen during a transaction displayed on the customer operation unit, and FIG. 6 shows an example of a screen during a transaction displayed on the customer operation unit of the automatic transaction apparatus according to the first embodiment of the present invention. FIG. 7 is a flowchart showing the operation of the fee display system of the automatic transaction apparatus according to the first embodiment of the present invention.

  Here, the input device of the customer operation part of the automatic transaction apparatus 11 shall be a touch panel which has a function of a display apparatus. First, when the customer starts the operation of the automatic transaction apparatus 11 disposed at a financial institution or the like, a transaction selection screen is displayed on the customer operation unit of the automatic transaction apparatus 11 as an initial screen. In this case, selection buttons for “withdrawal”, “deposit”, “transfer”, and “balance inquiry” are displayed as selection means for selecting various financial transactions such as withdrawal, deposit, transfer, balance inquiry and the like.

  When the customer inserts his own card into the card slot of the automatic transaction apparatus 11, the card processing unit of the automatic transaction apparatus 11 reads information such as the magnetic stripe of the card and the account number stored in the IC. . Subsequently, the automatic transaction apparatus 11 transmits information such as the account number to the host computer 13 via the automatic transaction apparatus network 12. Then, the host computer 13 acquires fee data from the database server 14 based on information such as transaction date and time. The host computer 13 determines whether or not the customer is a customer of the financial institution, that is, a customer, based on information such as the account number. Obtain customer data for the customer.

  Subsequently, the host computer 13 determines whether the customer is eligible for a fee discount based on the customer data. If the fee is to be discounted, the host computer 13 calculates a discount rate or discount amount of the transaction fee, updates the acquired fee data with the discounted value, and transmits it to the automatic transaction apparatus 11. . If the fee is not discounted, the acquired fee data is transmitted to the automatic transaction apparatus 11 as it is.

  By the way, the normal automatic transaction apparatus communicates with the host computer after all operations are completed. In the present embodiment, the automatic transaction apparatus 11 is configured so that the host before all operations are completed. Necessary information is acquired by communicating with the computer 13. The automatic transaction apparatus 11 may acquire necessary information by communicating with the database server 14 instead of the host computer 13. In this case, the database server 14 operates as a host computer of the automatic transaction apparatus 11 that replaces the host computer 13. In this case, the processing related to the fee calculation performed by the host computer 13 may be performed by the database server 14 as a host computer or may be performed by the automatic transaction apparatus 11.

  Subsequently, the automatic transaction apparatus 11 displays a transaction selection screen as shown in FIG. 4 on the customer operation unit based on the fee data received from the host computer 13. The transaction selection screen displays a transaction fee corresponding to each transaction, or a range of transaction fees when the transaction fee cannot be uniquely determined.

  Subsequently, the customer touches one of the selection buttons “Draw out”, “Deposit”, “Transfer” and “Balance inquiry” as the selection means displayed on the transaction selection screen, and performs the financial transaction. select. Here, it demonstrates as what selected transfer as a financial transaction. When the transfer is selected by the customer, the automatic transaction apparatus 11 causes the customer operation unit to display a transfer destination bank selection screen as shown in FIG. 5 in order to select the transfer destination financial institution. . Subsequently, when a financial institution is selected by the customer, the automatic transaction apparatus 11 displays a transfer destination branch selection screen as shown in FIG. 6 on the customer operation unit in order to select the transfer destination branch. Let The customer then selects a branch. In this case, the automatic transaction apparatus 11 narrows down the range of transaction fees based on the financial institution or branch selected by the customer, that is, information input by the customer, and displays it on the customer operation unit.

  Subsequently, the automatic transaction apparatus 11 causes the customer operation unit to display a screen for inputting the account number of the transfer destination. In the screen, the transaction fee corresponding to the transfer or the range of the transaction fee is displayed when the transaction fee cannot be uniquely determined. In the subsequent operations, the range of transaction fees is narrowed down and displayed on the customer operation unit based on the information input by the customer. Since it is the same as the operation, its description is omitted.

  For example, assume that the current date and time is 19:00 on Monday. In this case, fee data at 19:00 on weekdays is transmitted from the host computer 13 in the above processing. Since it is known to be a customer, the withdrawal fee is 105 yen. Regarding transfers, refer to “Transfer (cash card / in-store / ¥ 30,000 or less)” as shown in FIG. And get the minimum and maximum values in a well-known way. Here, it is assumed that 105 yen is obtained as the minimum value and 420 yen is obtained as the maximum value. It should be noted that the deposit and balance inquiry are determined to be 0 yen because there is no fee data. In this way, the fee shown in FIG. 4 is obtained.

  Further, in FIG. 5, the fee shown in FIG. 4 is displayed as it is. Here, when a financial institution is selected, the narrowing-down process is performed. For example, when the bank is selected, only the transfer fee data relating to the bank is referred to among the fee data. For example, refer to records such as “transfer (cash card, addressed to the same store, less than 30,000 yen)” and “transfer (cash card, addressed to other bank, less than 30,000 yen)”. obtain. Here, it is assumed that 105 yen is obtained as the minimum value and 210 yen is obtained as the maximum value. The fees narrowed down in this way are displayed as shown in FIG.

Next, a flowchart will be described.
Step S1 The automatic transaction apparatus 11 displays a transaction selection screen.
Step S2 The customer inserts the card into the automatic transaction apparatus 11.
Step S3 The automatic transaction apparatus 11 transmits information such as an account number to the host computer 13.
Step S4 The host computer 13 acquires fee data from the database server 14 based on information such as transaction date and time.
Step S5: The host computer 13 determines whether or not the customer is a customer based on information such as an account number. If the customer is a customer, the host computer 13 acquires customer data from the database server 14.
Step S6: The host computer 13 determines whether the customer is eligible for a commission discount based on the customer data. If it is a fee discount target, the process proceeds to step S7, and if it is not a fee discount target, the process proceeds to step S8.
Step S7 The host computer 13 calculates a discount rate (or discount amount) of the transaction fee, and updates the acquired fee data with the discounted value.
Step S8 The host computer 13 transmits fee data to the automatic transaction apparatus 11.
Step S9 The automatic transaction apparatus 11 displays the transaction fee corresponding to each transaction or its range on the transaction selection screen based on the fee data received from the host computer 13.
Step S10 The customer selects a financial transaction.
Step S11 The automatic transaction apparatus 11 displays a bank selection screen for transfer destination and a branch selection screen for transfer destination. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.
Step S12 The customer selects a financial institution and a branch.
Step S13: The automatic transaction apparatus 11 narrows down the transaction fee range based on the information input by the customer.
Step S14 The automatic transaction apparatus 11 displays a transfer account number input screen. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.

  As described above, in the present embodiment, the transaction fee is displayed on the customer operation unit of the automatic transaction apparatus 11 at each stage before or during the execution of the financial transaction. Therefore, the customer can grasp the transaction fee in advance, can perform a financial transaction in consideration of the transaction fee, and is not dissatisfied with the transaction fee. Further, the customer can determine in advance whether or not the account balance is insufficient when performing a financial transaction such as withdrawal or transfer according to the amount of the transaction fee. Furthermore, since it is not necessary for the customer to confirm the transaction fee by himself, the trouble of the customer can be saved and the customer service can be improved.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 8 is a diagram showing a configuration of a fee display system for an automatic transaction apparatus according to the second embodiment of the present invention.

  In the present embodiment, as shown in FIG. 8, the fee data database 15 is deleted from the database server 14 and is built in the automatic transaction apparatus 11. As a result, the automatic transaction apparatus 11 does not need to acquire transaction fee discount rate or fee data other than the discount amount from the host computer 13, thereby reducing the amount of communication between the host computer 13 and the automatic transaction apparatus 11. can do. Since the configuration of other points is the same as that of the first embodiment, description thereof is omitted.

  From the viewpoint of function, in the present embodiment, the host computer 13 is a customer data search means for searching the customer data database 16 based on information such as an account number, and the customer discounts the commission based on the customer data. It has a discount target judging means for judging whether or not it is a target, and a calculation means for calculating a discount amount or a discount rate when the customer is a discount target for the fee. Further, the automatic transaction apparatus 11 includes fee data search means for searching the fee data database 15 based on information such as transaction date and time, fee data discounted based on the discount amount or discount rate received from the host computer 13. Calculation means for calculating the transaction fee, the transaction fee display means for displaying the transaction fee corresponding to the transaction or the range of the transaction fee on the display device of the customer operation unit based on the fee data, and the operation of the customer operation unit by the customer Accordingly, a narrowing means for narrowing down the range of the transaction fee is provided.

  Next, operation | movement of the fee display system 10 of the automatic transaction apparatus in this Embodiment is demonstrated.

  FIG. 9 is a flowchart showing the operation of the fee display system of the automatic transaction apparatus according to the second embodiment of the present invention.

  Here, after the customer starts the operation of the automatic transaction apparatus 11 installed in a sales office of a financial institution, the automatic transaction apparatus 11 sends information such as an account number via the automatic transaction apparatus network 12 to the host computer. Since the operation up to the transmission to 13 is the same as that of the first embodiment, the description thereof is omitted.

  When the host computer 13 receives the information such as the account number, the host computer 13 determines whether the customer is a customer of the financial institution, that is, the own customer based on the information such as the account number. If it is a customer, the customer data of the customer is acquired from the database server 14.

  Subsequently, the host computer 13 determines whether the customer is eligible for a fee discount based on the customer data. When the fee is to be discounted, the host computer 13 calculates a discount rate or discount amount of the transaction fee and transmits information on the calculated discount rate or discount amount to the automatic transaction apparatus 11. If the fee is not discounted, the discount rate or discount amount is set to 0 and transmitted to the automatic transaction apparatus 11.

  Subsequently, the automatic transaction apparatus 11 cannot uniquely determine the transaction fee corresponding to each transaction or the transaction fee based on the discount rate or discount amount information received from the host computer 13. Calculate the range of transaction fees. Then, the automatic transaction apparatus 11 displays a transaction selection screen as shown in FIG. 4 on the customer operation unit. The transaction selection screen displays a transaction fee corresponding to each transaction, or a range of transaction fees when the transaction fee cannot be uniquely determined. Since subsequent operations are the same as those in the first embodiment, description thereof will be omitted.

Next, a flowchart will be described.
Step S21 The automatic transaction apparatus 11 displays a transaction selection screen.
Step S22 The customer inserts the card into the automatic transaction apparatus 11.
Step S23 The automatic transaction apparatus 11 transmits information such as an account number to the host computer 13.
Step S24: The host computer 13 determines whether or not it is a self-customer based on information such as an account number, and if it is a self-customer, acquires customer data from the database server 14.
Step S25: The host computer 13 determines whether or not the customer is eligible for a commission discount based on the customer data. If it is a fee discount target, the process proceeds to step S26, and if it is not a fee discount target, the process proceeds to step S27.
Step S26 The host computer 13 calculates a discount rate (or discount amount) of the transaction fee.
Step S27 The host computer 13 transmits information on the calculated discount rate (or discount amount) to the automatic transaction apparatus 11. If the fee is not discounted, a discount rate (or discount amount) of 0 is transmitted.
Step S28 The automatic transaction apparatus 11 calculates a transaction fee (or its range) corresponding to each transaction based on the discount rate (or discount amount) information received from the host computer 13.
Step S29 The transaction fee (or its range) corresponding to each transaction is displayed on the transaction selection screen.
Step S30 The customer selects a financial transaction.
Step S31 The automatic transaction apparatus 11 displays a bank selection screen for transfer destination and a branch selection screen for transfer destination. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.
Step S32 The customer selects a financial institution and a branch.
Step S33 The automatic transaction apparatus 11 narrows down the range of transaction fees based on the information input by the customer.
Step S34 The automatic transaction apparatus 11 displays a transfer account number input screen. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.

  Thus, in the present embodiment, since the fee data transmitted from the host computer 13 to the automatic transaction apparatus 11 is only the discount rate or the discount amount, the amount of communication between the host computer 13 and the automatic transaction apparatus 11 Can be reduced.

  Next, a third embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  FIG. 10 is a flowchart showing the operation of the fee display system of the automatic transaction apparatus according to the third embodiment of the present invention.

  Since the fee display system 10 of the automatic transaction apparatus according to the present embodiment has the same configuration as that of the first embodiment, the description of the configuration will be omitted and the operation will be described.

  First, when the customer starts the operation of the automatic transaction apparatus 11 disposed at a financial institution or the like, a transaction selection screen is displayed on the customer operation unit of the automatic transaction apparatus 11 as an initial screen. In this case, selection buttons for “withdrawal”, “deposit”, “transfer”, and “balance inquiry” are displayed as selection means for selecting various financial transactions such as withdrawal, deposit, transfer, balance inquiry and the like.

  Subsequently, the customer selects a financial transaction by touching one of selection buttons of “withdrawal”, “deposit”, “transfer”, and “balance inquiry” displayed on the transaction selection screen. Here, it demonstrates as what selected transfer as a financial transaction. When a transfer is selected by the customer, a card insertion screen for prompting insertion of a card is displayed on the customer operation unit of the automatic transaction apparatus 11.

  When the customer inserts his own card into the card slot of the automatic transaction apparatus 11, the card processing unit of the automatic transaction apparatus 11 reads information such as the magnetic stripe of the card and the account number stored in the IC. . Subsequently, the automatic transaction apparatus 11 transmits information such as the account number to the host computer 13 via the automatic transaction apparatus network 12. Since the operation of the host computer 13 is the same as that of the first embodiment, the description thereof is omitted.

  Subsequently, when the automatic transaction apparatus 11 receives the fee data from the host computer 13, in order to select a transfer destination financial institution, a transfer destination bank selection screen as shown in FIG. 5 is displayed on the customer operation unit. Let The bank selection screen displays the transaction fee corresponding to the transfer based on the fee data received from the host computer 13 or the range of the transaction fee if the transaction fee cannot be uniquely determined. The Since subsequent operations are the same as those in the first embodiment, description thereof will be omitted.

Next, a flowchart will be described.
Step S41 The automatic transaction apparatus 11 displays a transaction selection screen.
Step S42 The customer selects a financial transaction.
Step S43 The automatic transaction apparatus 11 displays a card insertion screen.
Step S44 The customer inserts the card into the automatic transaction apparatus 11.
Step S45 The automatic transaction apparatus 11 transmits information such as an account number to the host computer 13.
Step S46 The host computer 13 acquires fee data from the database server 14 based on information such as transaction date and time.
Step S47: The host computer 13 determines whether or not it is a self-customer based on information such as an account number, and if it is a self-customer, acquires customer data from the database server 14.
Step S48: The host computer 13 determines whether or not the customer is eligible for a commission discount based on the customer data. If it is a fee discount target, the process proceeds to step S49. If it is not a fee discount target, the process proceeds to step S50.
Step S49 The host computer 13 calculates the discount rate (or discount amount) of the transaction fee, and updates the acquired fee data with the discounted value.
Step S50 The host computer 13 transmits fee data to the automatic transaction apparatus 11.
Step S51 The automatic transaction apparatus 11 displays a bank selection screen for transfer destination and a branch selection screen for transfer destination based on the fee data received from the host computer 13. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.
Step S52 The customer selects a financial institution and a branch.
Step S53 The automatic transaction apparatus 11 narrows down the range of transaction fees based on the information input by the customer.
Step S54 The automatic transaction apparatus 11 displays a transfer account number input screen. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.

  Thus, in the present embodiment, the customer selects a financial transaction and then inserts the card into the card slot of the automatic transaction apparatus 11.

  Next, a fourth embodiment of the present invention will be described. In addition, about the thing which has the same structure as the 1st-3rd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to third embodiments is also omitted.

  FIG. 11 is a flowchart showing the operation of the fee display system of the automatic transaction apparatus according to the fourth embodiment of the present invention.

  Since the fee display system 10 of the automatic transaction apparatus in the present embodiment has the same configuration as that of the second embodiment, the description of the configuration will be omitted and the operation will be described.

  First, when the customer starts the operation of the automatic transaction apparatus 11 disposed at a financial institution or the like, a transaction selection screen is displayed on the customer operation unit of the automatic transaction apparatus 11 as an initial screen. In this case, selection buttons for “withdrawal”, “deposit”, “transfer”, and “balance inquiry” are displayed as selection means for selecting various financial transactions such as withdrawal, deposit, transfer, balance inquiry and the like.

  Subsequently, the customer selects a financial transaction by touching one of selection buttons of “withdrawal”, “deposit”, “transfer”, and “balance inquiry” displayed on the transaction selection screen. Here, it demonstrates as what selected transfer as a financial transaction. When the transfer is selected by the customer, the automatic transaction apparatus 11 displays a transaction selection screen as shown in FIG. 4 on the customer operation unit. The transaction selection screen displays a transaction fee corresponding to each transaction, or a range of transaction fees when the transaction fee cannot be uniquely determined.

  When the customer inserts his own card into the card slot of the automatic transaction apparatus 11, the card processing unit of the automatic transaction apparatus 11 reads information such as the magnetic stripe of the card and the account number stored in the IC. . Subsequently, the automatic transaction apparatus 11 transmits information such as the account number to the host computer 13 via the automatic transaction apparatus network 12. Since the operation of the host computer 13 is the same as that of the second embodiment, description thereof is omitted.

  Subsequently, when the automatic transaction apparatus 11 receives the discount rate or discount amount information from the host computer 13, the automatic transaction apparatus 11 calculates the transaction fee corresponding to the transfer or the transaction fee based on the discount rate or discount amount information. If it cannot be determined uniquely, the transaction fee range is calculated. Then, the automatic transaction apparatus 11 displays a bank selection screen for the transfer destination as shown in FIG. 5 on the customer operation unit in order to select the transfer destination financial institution. Since the subsequent operation is the same as that of the second embodiment, the description thereof is omitted.

Next, a flowchart will be described.
Step S61 The automatic transaction apparatus 11 displays a transaction selection screen.
Step S62 The customer selects a financial transaction.
Step S63 The transaction fee (or its range) corresponding to each transaction is displayed on the transaction selection screen.
Step S64 The customer inserts the card into the automatic transaction apparatus 11.
Step S65 The automatic transaction apparatus 11 transmits information such as an account number to the host computer 13.
Step S66: The host computer 13 determines whether or not it is an own customer based on information such as an account number, and if it is an own customer, acquires customer data from the database server 14.
Step S67: The host computer 13 determines whether the customer is eligible for a commission discount based on the customer data. If it is a fee discount target, the process proceeds to step S68. If it is not a fee discount target, the process proceeds to step S69.
Step S68 The host computer 13 calculates a transaction fee discount rate (or discount amount) based on the customer data.
Step S69 The host computer 13 transmits information on the calculated discount rate (or discount amount) to the automatic transaction apparatus 11. If the fee is not discounted, a discount rate (or discount amount) of 0 is transmitted.
Step S70 The automatic transaction apparatus 11 calculates a transaction fee (or its range) corresponding to the transfer based on the discount rate (or discount amount) information received from the host computer 13.
Step S71 The automatic transaction apparatus 11 displays a bank selection screen for transfer destination and a branch selection screen for transfer destination. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.
Step S72 The customer selects a financial institution and a branch.
Step S73: The automatic transaction apparatus 11 narrows down the transaction fee range based on the information input by the customer.
Step S74 The automatic transaction apparatus 11 displays a transfer account number input screen. In addition, the transaction fee corresponding to the transfer or its range is displayed on the screen.

  Thus, in this embodiment, the customer selects a financial transaction and then inserts the card into the card slot of the automatic transaction apparatus 11.

  Next, a fifth embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st-4th embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to fourth embodiments is also omitted.

  FIG. 12 is a flowchart showing the operation of the fee display system of the automatic transaction apparatus according to the fifth embodiment of the present invention.

  Since the fee display system 10 of the automatic transaction apparatus in the present embodiment has the same configuration as that of the first embodiment, the description of the configuration will be omitted and the operation will be described. In the present embodiment, when the automatic transaction apparatus 11 receives a notification from the host computer 13 periodically at regular time intervals, it becomes a time registered in advance such as a time when a transaction fee is switched. The fee data is acquired from the host computer 13 at a predetermined timing, as in the case of, for example. For example, in the case of transfer, from the Monday to Friday, 8:00, 9:00, 17:00, 20:00, and 0:00 correspond to the predetermined timing. In addition, since there is no difference in the fee between 20: 00 to 24:00 and 0: 00 to 8:00, it is possible to exclude 0:00 from the predetermined timing.

  First, at the predetermined timing, the automatic transaction apparatus 11 transmits a signal requesting fee data to the host computer 13 via the automatic transaction apparatus network 12. Then, the host computer 13 acquires fee data from the database server 14 based on information such as transaction date / time and day of the week. Then, the host computer 13 transmits the acquired fee data to the automatic transaction apparatus 11.

  Subsequently, based on the fee data received from the host computer 13, the automatic transaction apparatus 11 displays a transaction selection screen as shown in FIG. 4 on the customer operation unit, and ends the process. The transaction selection screen displays a transaction fee corresponding to each transaction, or a range of transaction fees when the transaction fee cannot be uniquely determined.

Next, a flowchart will be described.
Step S81 The automatic transaction apparatus 11 requests fee data from the host computer 13.
Step S82 The host computer 13 acquires fee data from the database server 14 based on information such as transaction date and time, day of the week, and the like.
Step S83 The host computer 13 transmits the acquired fee data to the automatic transaction apparatus 11.
Step S84 The automatic transaction apparatus 11 displays the transaction fee corresponding to each transaction or its range on the transaction selection screen based on the fee data received from the host computer 13, and ends the process.

  Note that the timing at which such processing is performed may be a case in which a notification from the host computer 13 is regularly provided at regular time intervals, a time registered in advance (such as a time when a transaction fee is switched), or the like.

  As described above, the automatic transaction apparatus 11 according to the present embodiment acquires the fee data from the host computer 13 at a predetermined timing and displays it on the customer operation unit.

  Next, a sixth embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st-5th embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to fifth embodiments is also omitted.

  FIG. 13 is a flowchart showing the operation of the fee display system of the automatic transaction apparatus according to the sixth embodiment of the present invention.

  Since the fee display system 10 of the automatic transaction apparatus according to the present embodiment has the same configuration as that of the second embodiment, the description of the configuration will be omitted and the operation will be described. In the present embodiment, when the automatic transaction apparatus 11 receives a notification from the host computer 13 periodically at regular time intervals, it has become a pre-registered time such as a time when the fee is switched. As at times, the fee data is acquired from the fee data database 15 containing the fee data at a predetermined timing. For example, in the case of transfer, from the Monday to Friday, 8:00, 9:00, 17:00, 20:00, and 0:00 correspond to the predetermined timing. In addition, since there is no difference in the fee between 20: 00 to 24:00 and 0: 00 to 8:00, it is possible to exclude 0:00 from the predetermined timing.

  First, at the predetermined timing, the automatic transaction apparatus 11 acquires fee data from the fee data database 15 based on information such as transaction date / time and day of the week. And the said automatic transaction apparatus 11 displays a transaction selection screen as shown in FIG. 4 on a customer operation part, and complete | finishes a process. The transaction selection screen displays a transaction fee corresponding to each transaction, or a range of transaction fees when the transaction fee cannot be uniquely determined.

Next, a flowchart will be described.
Step S91 The automatic transaction apparatus 11 acquires fee data from the fee data database 15 based on information such as transaction date and time, day of the week, and the like.
Step S92 The automatic transaction apparatus 11 displays the transaction fee or its range corresponding to each transaction on the transaction selection screen based on the fee data acquired from the fee data database 15, and ends the process.

  As described above, the automatic transaction apparatus 11 according to the present embodiment acquires fee data from the fee data database 15 at a predetermined timing and displays the fee data on the customer operation unit.

  In the second and fourth embodiments, the information transmitted from the host computer 13 to the automatic transaction apparatus 11 is described as a discount rate or discount amount. However, another information for calculating the discount amount is described. Information, such as discount rank, can also be transmitted. In this case, a discount method corresponding to the discount rank is separately stored in the storage means. The discount method is, for example, a discount rate, a discount amount, a fee calculation method, or the like.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a figure which shows the structure of the fee display system of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the example of the fee data for the transaction fee calculation in the 1st Embodiment of this invention. It is a figure which shows the example of the customer data in the 1st Embodiment of this invention. It is a figure which shows the example of the transaction selection screen displayed on the customer operation part of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 1st figure which shows the example of the screen during the transaction displayed on the customer operation part of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 2nd figure which shows the example of the screen during the transaction displayed on the customer operation part of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the fee display system of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the structure of the fee display system of the automatic transaction apparatus in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the fee display system of the automatic transaction apparatus in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the fee display system of the automatic transaction apparatus in the 3rd Embodiment of this invention. It is a flowchart which shows operation | movement of the fee display system of the automatic transaction apparatus in the 4th Embodiment of this invention. It is a flowchart which shows operation | movement of the fee display system of the automatic transaction apparatus in the 5th Embodiment of this invention. It is a flowchart which shows operation | movement of the fee display system of the automatic transaction apparatus in the 6th Embodiment of this invention.

Explanation of symbols

10 Automatic Transaction Device Fee Display System 11 Automatic Transaction Device 13 Host Computer 15 Fee Data Database 16 Customer Data Database

Claims (6)

(A) An automatic transaction apparatus that is operated by a customer to perform financial transactions,
(B) Transaction fee display means for displaying on a display device of a customer operation unit a transaction fee range corresponding to a financial institution that is a candidate for transaction based on fee data received from a host computer, and customer operation by the customer And a narrowing means for narrowing down the range of the displayed transaction fee according to the financial institution selected by the financial institution selection operation in the department. The automatic transaction apparatus according to claim 1, wherein the range of the transaction fee is calculated at a timing when the host computer acquires customer information. (A) An automatic transaction apparatus that is operated by a customer to perform financial transactions,
(B) fee data search means for searching a fee data database based on information such as transaction date and time, calculation means for calculating fee data discounted based on a discount amount or a discount rate received from a host computer, and the fee Based on data, transaction fee display means for displaying a range of transaction fees corresponding to a financial institution that is a candidate for a transaction on a display device of a customer operation unit, and selection operation of the financial institution by the customer at the customer operation unit An automatic transaction apparatus comprising: narrowing means for narrowing down the range of the displayed transaction fee according to a selected financial institution. 4. The automatic transaction apparatus according to claim 3, wherein the calculation means calculates the fee data at a timing when the host computer acquires customer information. (A) A fee display system for an automatic transaction apparatus having an automatic transaction apparatus, a host computer, a fee data database, and a customer data database,
(B) The host computer includes fee data search means for searching the fee data database based on information such as transaction date, customer data search means for searching the customer data database based on information such as an account number, customer data A discount object judging means for judging whether or not the customer is eligible for a fee discount, and a calculating means for calculating discounted fee data when the customer is subject to a fee discount,
(C) The automatic transaction apparatus is a transaction fee display means for displaying a range of transaction fees corresponding to a financial institution that is a candidate for a transaction on a display device of a customer operation unit based on fee data received from the host computer. And a fee display system for an automatic transaction apparatus, comprising: narrowing means for narrowing down the range of the displayed transaction fee according to the financial institution selected by the customer by the customer operation unit selecting operation of the financial institution. (A) A fee display system for an automatic transaction apparatus having an automatic transaction apparatus, a host computer, a fee data database, and a customer data database,
(B) The host computer is a customer data search means for searching the customer data database based on information such as an account number, and a discount target determination for determining whether the customer is a fee discount target based on the customer data. Means, and a calculation means for calculating a discount amount or a discount rate when the customer is eligible for a fee discount,
(C) The automatic transaction apparatus calculates fee data search means for searching the fee data database based on information such as transaction date and time, discounted fee data based on a discount amount or a discount rate received from the host computer Calculation means, transaction fee display means for displaying a range of transaction fees corresponding to a financial institution that is a candidate for a transaction on the display device of the customer operation unit based on the fee data, and a customer operation unit by the customer A fee display system for an automatic transaction apparatus, comprising: narrowing means for narrowing down the range of the displayed transaction fee according to a financial institution selected by a selection operation of the financial institution.

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