JP7271890B2 - Trading device and trading program - Google Patents

Description

The present invention relates to a transaction device and a transaction program, and can be applied to, for example, automatic teller machines (ATMs) installed in financial institutions and the like.

Conventionally, ATMs installed in, for example, financial institution stores, stations, etc. can perform transfer transactions. For example, as described in Patent Document 1, when a selection button for a transfer transaction is selected, the ATM determines whether or not the transfer transaction is possible based on the time when the selection button is selected, and transfers the money. Transactions are processed.

Regarding transaction hours, Patent Document 2 discloses a configuration that enables transfer transactions not only during core hours during normal business hours, but also during more hours outside business hours.

As described in Patent Document 2 above, when making a transfer during more time (15:00 to 24:00) after business hours on a business day, if the receiving financial institution allows immediate transfer, the payment will be made within the business day. be transferred. On the other hand, if the recipient's financial institution does not allow immediate transfer, or if it is unclear whether immediate transfer is possible, the technique described in Patent Document 2 will result in a reserved transfer on the next business day.

JP-A-2000-149097 JP 2016-177789 A

By the way, Patent Document 2 does not disclose any specific matters regarding the transfer transaction during the early morning more hours (0:00 to 8:00) on the business day. For example, Patent Literature 2 does not disclose how to handle when it is unclear whether the recipient's financial institution can transfer money immediately.

Therefore, there is a demand for a transaction device and a transaction program that can flexibly handle transfer transactions in any time slot outside business hours.

In order to solve this problem, a transaction device according to a first aspect of the present invention is a transaction device that performs a transfer transaction based on input transfer information. When the transaction processing unit is provided and the transfer transaction is performed, if the transfer destination financial institution, which is another bank , does not fall under the early morning more time in the time zone before the business start time on weekdays , the confirmation information indicates that the transfer will be made on the same day. It is characterized by including information indicating that it is performed during the process .

A transaction program according to a second aspect of the present invention is a transfer transaction processing unit for outputting confirmation information for allowing a customer to confirm the details of a transfer to a computer installed in a transaction device that performs a transfer transaction based on input transfer information. and when the transfer transaction is performed, if the other bank's financial institution does not fall under the early morning hours before business hours on weekdays , the confirmation information will indicate that the transfer will be made within the same day. It is characterized by including information indicating that it will be performed .

A transaction apparatus according to a third aspect of the present invention is a transaction apparatus that performs transfer transactions based on input transfer information, and includes a transfer transaction processing unit that outputs confirmation information for confirming details of transfer to a customer, When making a transaction, if the transferee financial institution, which is another bank, does not fall under the early morning more time during the hours before business hours on weekdays, the above-mentioned confirmation information will indicate that the transfer to the transferee financial institution It is characterized by including information indicating that it will be held after the business opening time of.
A transaction program according to a fourth aspect of the present invention is a transfer transaction processing unit for outputting confirmation information for allowing a customer to confirm the details of a transfer to a computer installed in a transaction device that performs a transfer transaction based on input transfer information. function as a bank transfer, and when the transfer transaction is performed, if the transferee financial institution, which is another bank, does not fall under the early morning more time during the hours before business hours on weekdays, the confirmation information will include the payment to the transferee. is characterized by including information indicating that the payment will be made after the opening hours of the financial institution to which the transfer is to be made.

According to the present invention, it is possible to flexibly deal with transfer transactions in any time period outside business hours.

1 is an overall configuration diagram showing the overall configuration of a trading system according to a first embodiment; FIG. It is an appearance composition figure showing appearance composition of ATM concerning a 1st embodiment. It is an internal configuration diagram showing the internal configuration of the ATM according to the first embodiment. 4 is an internal configuration diagram showing the internal configuration of the finance host server according to the first embodiment; FIG. 4 is an explanatory diagram showing an example of a business hours management table for managing business hours of the finance host server according to the first embodiment; FIG. 4 is a flow chart showing processing operations of a transfer transaction in the transaction system according to the first embodiment; FIG. 11 is an explanatory diagram showing an example of a confirmation screen according to the first embodiment (No. 1); FIG. 12 is an explanatory diagram showing an example of a confirmation screen according to the first embodiment (No. 2); FIG. 9 is an explanatory diagram showing an example of a confirmation screen according to the first embodiment (No. 3); FIG. 4 is an explanatory diagram showing an example of a confirmation screen according to the first embodiment (No. 4); FIG. 11 is an internal configuration diagram showing the internal configuration of a finance host server according to the second embodiment; FIG. 11 is an explanatory diagram showing an example of a transfer fee management table for managing transfer fees of the financial host server according to the second embodiment; It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 2nd Embodiment. FIG. 11 is an explanatory diagram showing an example of a confirmation screen according to the second embodiment (No. 1); FIG. 12 is an explanatory diagram showing an example of a confirmation screen according to the second embodiment (No. 2); It is an internal block diagram which shows the internal structure of ATM which concerns on 3rd Embodiment. FIG. 12 is a flow chart showing processing operations of a transfer transaction in the transaction system according to the third embodiment; FIG. FIG. 11 is an explanatory diagram showing an example of a confirmation screen according to the third embodiment (No. 1); FIG. 21 is an explanatory diagram showing an example of a confirmation screen according to the third embodiment (No. 2); FIG. 14 is an explanatory diagram showing an example of a confirmation screen according to the third embodiment (No. 3);

(A) 1st Embodiment Below, 1st Embodiment of the transaction apparatus and transaction program which concerns on this invention is described in detail, referring drawings.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration of Trading System FIG. 1 is an overall configuration diagram showing the overall configuration of a trading system according to the first embodiment.

In FIG. 1, a transaction system 5 according to the first embodiment includes a plurality of ATMs 1 connectable to a communication line 4-1, and a host server or management server of a financial institution from which money is transferred (hereinafter referred to as a host server or management server of the financial institution). The server is called a “financial host server”). The financial host server 2 can also be connected to the financial host server 3 of another bank via a communication line 4-2.

The communication line 4-1 is a communication line for exchanging messages (transaction information) regarding transactions between the ATM 1 of the financial institution and the financial host server 2. FIG. A communication line 4-2 is a communication line for sending and receiving telegrams (transaction information) regarding mutual transactions between financial institutions between the financial host server 2 of the financial institution and the financial host server 3 of another bank. .

The communication lines 4-1 and 4-2 can be applied to existing financial system communication lines. In addition, the communication protocol of the communication lines 4-1 and 4-2 ensures network security. can.

The ATM 1 is installed, for example, in financial institutions, airports, stations, convenience stores, etc., and performs various transaction processing by customer operation. The ATM 1 transmits to the financial host server 2 transaction information including transaction types and transaction details input by customer operations, and receives transaction execution information permitted by the financial host server 2 .

Transaction types that can be handled by the ATM 1 include, for example, deposit transactions and withdrawal transactions. A deposit transaction is a transaction for depositing cash received from a customer, and includes, for example, a deposit transaction for depositing cash, a transfer transaction for transferring cash to a predetermined account, and the like. Withdrawal transactions are transactions that pay cash to a customer, such as withdrawing cash from an account.

The financial host server 2 is a host server of a core system of a financial institution. The financial host server 2 executes transactions based on transaction information obtained from the ATM 1 via the communication line 4-1, and manages completed transaction information.

In addition, the financial host server 2 exchanges transaction-related information with the other bank's financial host server 3 via the communication line 4-2 according to the details of the transaction acquired from the ATM 1. FIG.

The other bank's financial host server 3 is a host server of a core system of another financial institution different from the financial institution that operates the financial host server 2 . The other bank's financial host server 3 manages the transfer time that the other bank treats on the day.

(A-1-2) Internal Configuration of ATM 1 FIG. 2 is an external configuration diagram showing the external configuration of the ATM 1 according to the first embodiment. In FIG. 2 , the ATM 1 according to this embodiment has an operation display unit 11 , a banknote slot 12 , a coin slot 13 , a passbook slot 14 and a card slot 15 .

The operation display unit 11 displays, for example, a selection menu screen for transaction types, an operation screen for each transaction type, a confirmation screen for transaction details, and the like, and receives input information entered by a customer. For the operation display unit 11, for example, a touch panel type operation display unit can be applied. Note that the operation display unit 11 is not limited to a touch panel system in which an operation unit and a display unit are integrated, and the operation unit and the display unit may have different physical configurations.

The banknote deposit/withdrawal port 12 accepts or discharges banknotes inserted by customers.

The coin deposit/withdrawal port 13 accepts coins inserted by customers or ejects coins.

The passbook inlet/outlet 14 accepts a passbook inserted by a customer or ejects a passbook.

The card inlet/outlet 15 accepts a cash card inserted by a customer or ejects the cash card.

FIG. 3 is an internal configuration diagram showing the internal configuration of the ATM 1 according to the first embodiment. The ATM 1 includes, for example, a control device, a communication device, a mechanical section, etc. FIG. 3 functionally shows the internal configuration of the ATM 1. As shown in FIG.

3, the ATM 1 has a transaction control section 21, a storage section 23, a communication section 24, an operation display control section 25, a card mechanism section 26, a passbook mechanism section 27, and a cash mechanism section .

The transaction control unit 21 is a processing unit or device that controls the overall functions of the ATM1. The transaction control unit 21 includes, for example, a CPU, a ROM, a RAM, an EEPROM, an input/output interface, etc. Various functions of the ATM 1 are executed by the CPU executing a processing program stored in the ROM. Realized. Also, the functions of the ATM 1 may be constructed by installing the processing program, and even in that case, the functions can be shown in FIG. Moreover, as a main function executed by the transaction control unit 21, it has a transaction processing unit 211 that performs various transaction processing.

The transaction processing unit 211 displays a menu screen that displays transaction types that can be executed in the ATM 1 . The transaction processing unit 211 displays a guidance screen of the transaction type selected by the customer's operation on the menu screen and progresses the transaction while acquiring information and processing the transaction. The transaction processing unit 211 performs various types of deposit processing transactions (for example, deposit transactions, transfer transactions, etc.) and withdrawal processing (withdrawal transactions, etc.), and has a transfer transaction processing unit 30 as one of the deposit processing.

When a transfer transaction is selected by a customer operation, the transfer transaction processing unit 30 performs a transaction of transferring cash to a transfer destination according to the acquired transfer details. The transfer transaction processing unit 30 can perform either cash transfer or card transfer. In addition, the transfer transaction processing unit 30 may transfer the funds to its own bank or to another bank.

For example, the transfer transaction processing unit 30 displays the transfer amount, requester name, transfer destination information (more specifically, transfer destination financial institution name and financial institution number, branch name and branch number, transfer information including the account number of the transfer destination, etc.), and transmits a transfer inquiry message including this transfer information to the financial host server 2. The transfer transaction processing unit 30 acquires a transfer inquiry response message from the financial host server 2, displays a message to that effect if the transfer is possible, and completes the transfer transaction when the confirmation button is selected by the customer. The transfer transaction processing unit 30 displays on the operation display unit 11 a confirmation screen for confirming the content of the transfer transaction, which will be described later.

The operation display control part 25 controls the user interface function of ATM1. Specifically, the operation display control unit 25 uses, for example, the touch panel type operation display unit 11 to present an operation screen to the user, output information to the user, and accept an operation (menu selection) from the user. , transaction type input, amount input, number input, etc.).

The operation display control unit 25 gives predetermined screen data of the corresponding transaction type to the operation display control unit 25 according to the transaction type by the transaction processing unit 211, and causes the operation display unit 11 to display the display screen. The screen displayed by the operation display control unit 25 may be displayed on the operation display unit 11 by reading image data for each type of transaction stored in advance from the storage unit 23, for example. may be displayed on the operation display unit 11 based on the image data acquired from the .

The storage unit 23 stores processing programs executed by the transaction control unit 21, various information necessary for information processing, screen data (which may include still images and moving images) to be displayed on the operation display unit 11, and the like. is stored. The storage unit 23 is used as a secondary storage means by the transaction control unit 21, and non-volatile storage devices such as flash memory, hard disk (HDD), storage media (for example, CD-R, etc.) are applied. You can make it work.

The communication unit 24 is a network interface for communicating information with the financial host server 2 and the like. The communication unit 24 transmits the transaction-related information obtained by the transaction control unit 21 as a message to the financial host server 2 or receives a response message to a requested message from the financial host server 2 .

The card mechanism unit 26 provides the transaction control unit 21 with data stored in the data storage unit of the card (for example, cash card, credit card, etc.) inserted through the card inlet/outlet 15, and writes data to the card. It is something to do.

The passbook mechanism unit 27 reads and writes data from the data storage unit such as the magnetic stripe of the passbook inserted in the passbook inlet/outlet 14, and performs passbook entry processing.

The cash mechanism unit 28 has a function of storing deposited money (banknotes and/or coins) and a function of dispensing the stored money to the user.

(A-1-3) Internal Configuration of Finance Host Server FIG. 4 is an internal configuration diagram showing the internal configuration of the finance host server 2 according to the first embodiment. 4, the financial host server 2 according to the first embodiment has a control section 41, a storage section 43, a communication section 44, and a communication section 45. FIG.

The control unit 41 is a processing unit or device that controls the overall functions of the financial host server 2 . The control unit 41 implements various functions of the finance host server 2 by the CPU executing a processing program stored in the storage unit 43 such as a ROM. Also, the functions of the finance host server 2 may be constructed by installing the processing program, and even in that case, the functions can be shown in FIG. In addition, as main functions executed by the control unit 41 , it has a message acquisition unit 411 , a transfer content confirmation unit 412 , and a message response unit 413 .

The message acquisition unit 411 acquires the request message of each ATM 1 through the communication unit 44 connected to the communication line 4-1. Thereby, the control unit 41 can analyze the transaction content included in the electronic message acquired by the electronic message acquiring unit 411, and determine whether or not to execute the transaction and perform management.

The transfer details confirmation unit 412, upon receiving the transfer inquiry message from the ATM 1, checks the details of the inquiry. For example, the transfer content confirmation unit 412 refers to the business hours management table Tb1 and the like, and confirms whether immediate/reserved transfer is possible during the current time period. At this time, when the electronic message acquired by the electronic message acquiring unit 411 is a transfer inquiry request message addressed to another bank, the transfer time and the like of the other bank to which the transfer is to be made are confirmed. Details of the transfer content confirmation unit 412 will be described in the section on operation.

The message response unit 413 returns a response message to the request message to the ATM 1 via the communication unit 44 .

The storage unit 43 stores the processing program of the control unit 41, the transaction history, the business hours management table Tb1, and the like.

FIG. 5 is a diagram showing an example of the business hours management table Tb1 for managing the business hours of the finance host server 2 according to the first embodiment. In FIG. 5, there are three categories of normal (core time), more time (after work: after business hours), and more time (early morning), but the present invention is not limited to this. For example, more time (early morning 00:00 to 08:30) may be further subdivided into more time (midnight 00:00 to 04:00) and more time (early morning 04:00 to 08:30).

The communication unit 44 is connected to the communication line 4-1 and exchanges electronic messages with each ATM 1. FIG.

The communication unit 45 is connected to the communication line 4-2 and exchanges predetermined electronic messages with the other bank's financial host server 3. FIG.

(A-2) Operation of the First Embodiment Next, the operation of the transfer transaction processing in the transaction system 5 according to the first embodiment will be described in detail with reference to the drawings.

FIG. 6 is a flow chart showing processing operations of a transfer transaction in the transaction system 5 according to the first embodiment.

First, in the ATM 1, a transaction menu screen is displayed on the operation display unit 11, and a desired transaction type is selected by the customer's operation. Here, transfer transaction is selected on the operation display unit 11 (S101).

In the transaction control unit 21, the transfer transaction processing unit 30 is activated and receives input from the customer of various items such as the transfer destination and the transfer amount (S102).

When the input by the customer is confirmed, the transaction control unit 21 creates a transfer inquiry message based on the input information, and transmits the message to the financial host server 2 (S103). For example, the transfer inquiry message includes the amount of money to be transferred, the name of the requester, and information on the transferee (bank name and bank number of the transferee, branch name and branch number, account number of the transferee, etc.).

When the financial host server 2 (transfer details confirmation unit 412) receives the transfer inquiry message from the ATM 1, it checks the details of the inquiry (S104).

Specifically, first, the financial host server 2 confirms whether or not the immediate/reserved transfer is possible, and confirms whether or not the payee can confirm the payment. Commitment of payment here means, for example, that the financial institution to which the money is to be transferred (regardless of its own bank or another bank) can guarantee that the money can be paid immediately (or on the same day). For example, when the payee belongs to another bank (the other bank's financial host server 3), the financial host server 2 may inquire of the other bank's financial host server 3 (step S150). The financial host server 2 is not limited to such an example, and may confirm whether the transfer is possible or whether the payment commitment is possible regardless of whether the bank is its own bank or another bank.

Next, the financial host server 2 determines whether the time zone at the time of the transaction (or at the time of receiving the transfer inquiry message) corresponds to the time zone of regular business days, after work, early morning, or non-business days (holidays and holidays). Confirm whether or not

After the above confirmation, the finance host server 2 creates a transfer inquiry response message and transmits it to the ATM 1 (S105). Note that the transfer inquiry response message includes, for example, (A) time period (usually, after work, early morning, holiday), (B) whether various types of transfer are possible (immediate transfer possible, reserved transfer possible), (C) deposit It includes information such as whether a promise can be made or not.

When the ATM 1 (transfer transaction processing unit 30) receives the transfer inquiry response message, it displays a selected screen on the operation display unit 11 based on the information set in the message (S106).

FIG. 7 is an explanatory diagram showing an example of a confirmation screen displayed when the time slot is "after work" (or "holiday") and the reservation transfer is "possible", for example. In FIG. 7, the confirmation screen T1 includes a message column M displaying a predetermined message, a confirmation button B1 indicating that the content of the message column has been confirmed, and a cancel button B2 indicating the cancellation of the content of the message column. have. As shown in the message column of FIG. 7, the transfer date is the next business day.

FIG. 8 is an explanatory diagram showing an example of a confirmation screen displayed when the time period is "early morning" and immediate transfer is "impossible", for example. In FIG. 8, the configuration of the confirmation screen T2 is the same as the configuration of the confirmation screen T1 described above, except for the contents of the message column M (the transfer will be made during the day of the day).

In the case of the confirmation screen T2, since the time period is "early morning", if the immediate transfer is "possible", the transfer will be made immediately on the transfer date. However, if, for example, it is desired to disallow the immediate transfer due to the influence of batch processing of the accounting system that is executed early in the morning, the confirmation screen T2 confirms that the transfer will be made within the same day of the transfer date, although not immediately. shows.

Therefore, the customer can know that the money will be transferred on the day of the transfer transaction, not on the next business day. The confirmation screen T2 has explained the case where the transfer will be made during the daytime of the current day as an example, but the present invention is not limited to such an example. may be displayed on the screen with some limitation, so that the customer can be informed of not only the date of transfer but also the time of transfer as more specific transfer information.

Further, FIG. 9 is an explanatory diagram showing an example of a confirmation screen displayed when the time zone is "early morning" and the payment commitment is "impossible (impossible)", for example. It should be noted that, when payment cannot be guaranteed, immediate transfer may be possible/impossible. In FIG. 9, the configuration of the confirmation screen T3 is the same as the configuration of the confirmation screen T1 described above, except for the contents of the message field M (immediate transfer to the recipient cannot be guaranteed).

In the case of the confirmation screen T3, an example is shown in which the message field M indicates that the immediate transfer cannot be guaranteed, but the present invention is not limited to this example. Even if it cannot be guaranteed, it will be transferred within the same day of the transfer date, such as "Depending on the financial institution and account status of the transfer destination, there is a possibility that the transfer will be made during the day today" in the message column M. A message indicating that there is a possibility may be displayed.

Although the above confirmation screens T1 to T3 have been described as examples, the transfer transaction processing unit 30 is not limited to such an example, and instead of the message field M, for example, as shown in the confirmation screen T4 of FIG. , XX, XX, XX, and so on.

When the transfer transaction processing unit 30 receives the press of the confirmation button B1 from the customer (S107), the transfer transaction processing unit 30 requests execution of the transfer according to the result of the transfer inquiry (S108). Since the subsequent processing is the same as the conventional one, the explanation is omitted.

Next, a modified example of the transfer inquiry response message transmitted in the process of step S106 will be described. For example, the following information (A') to (E') may be set in the transfer inquiry response message (for example, each status is indicated by an identifiable arbitrary flag value).
(A') Information on immediate transfer usually after work, early in the morning, and on holidays (B') Information on reserved transfer after work and on holidays (C') Immediate payment after work and on holidays (D') Information that immediate transfer is impossible in the early morning hours (E') Information that immediate payment cannot be guaranteed b in the early morning hours

Then, ATM 1 (transfer transaction processing unit 30) displays a confirmation screen on operation display unit 11 when receiving the transfer inquiry response message of the above modification, in the same manner as in the process of step S106 described above.

For example, the ATM 1 displays a screen equivalent to the confirmation screen T2 when the above information (D') is included in the transfer inquiry response message and the immediate transfer is not allowed.

Further, when the above information (E') is included in the transfer inquiry response message and the immediate deposit cannot be guaranteed b is set, the ATM 1 displays a screen equivalent to the above confirmation screen T3.

Further, when the information (B') is included in the transfer inquiry response message and the reserved transfer is set, the ATM 1 displays a screen equivalent to the confirmation screen T1.

Then, when the information (C') is included in the transfer inquiry response message and the immediate payment cannot be guaranteed a is set, the ATM 1 displays a screen slightly different from the confirmation screen T3. For example, the display contents are the same as those of the confirmation screen T3, except that the transfer date is the next business day.

(A-3) Effect of the First Embodiment As described above, according to the first embodiment, when a transfer transaction is made to a financial institution, By communicating accurate information to customers and making them aware of the status of the transfer (transfer type, transfer date, etc.), flexible transfer services can be provided at all times (including early morning more hours).

(B) 2nd Embodiment Next, 2nd Embodiment of the transaction apparatus and transaction program which concerns on this invention is described in detail, referring drawings.

(B-1) Configuration of Second Embodiment In the second embodiment, transfer processing is executed including the difference in fees between different transfer time periods. Therefore, the second embodiment will also be described using the overall configuration of the transaction system 5 of FIG. 1 and the external configuration of the ATM 1 of FIG. 2 according to the first embodiment.

FIG. 11 is a configuration diagram showing the internal configuration of the finance host server 2 according to the second embodiment. 11, the financial host server 2 according to the second embodiment has a control unit 41, a storage unit 43, a communication unit 44, and a communication unit 45, like the financial host server 2 according to the first embodiment.

In addition to the functions of the first embodiment, the transfer details confirmation unit 412 of the control unit 41 of the second embodiment applies a different fee (of course, the same fee may be used) for each time period (core time, more time). What you can do is different. The transfer details confirmation unit 412 refers to the business hours management table Tb1 and the transfer fee management table Tb2 stored in the storage unit 43, and obtains the fee for the time zone that applies from the transaction start time.

As in the first embodiment, the storage unit 43 stores the execution program of the control unit 41, the transaction history, the business hours management table Tb1, and the like. The storage unit 43 also stores a transfer fee management table Tb2 that defines fees for each time period of the financial institution (own bank, other bank). The transfer fee management table Tb2 may include only the transfer time period of the own bank, or may include only the transfer time periods of other banks without including the transfer time period of the own bank. In addition, the transfer fee management table Tb2 of FIG. 12 shows an example in which the own bank and other banks are simply classified, but if the fees of the other banks differ depending on each financial institution, a separate fee is set for each financial institution. You can

In addition, in the example of FIG. 12, the transfer fee management table Tb2 defines only a single fee for the more time fee without distinguishing between more time after business hours, more time in the early morning, etc. Furthermore, you may set the difference in a commission. For example, different fees may be provided depending on the more time in the early morning, the more time after work, and the more time on holidays.

For example, the transfer fee management table Tb2 may be changed manually, obtained from the other bank's financial host server 3 periodically (for example, when the power is turned on, etc.), or may be updated at the timing of a transfer inquiry message, for example. By acquiring from the financial host server 3, etc., it is possible to flexibly respond to changes in the operation of each other bank.

(B-2) Operation of the Second Embodiment Next, the operation of transfer transaction processing in the transaction system 5 according to the second embodiment will be described in detail with reference to the drawings.

FIG. 13 is a flow chart showing processing operations of a transfer transaction in the transaction system 5 according to the second embodiment. In addition, in FIG. 13, the same reference numerals are given to the processes that are the same as or correspond to the transfer transaction processing operations of FIG. 6 according to the first embodiment. Further, detailed description of processing that is the same as or corresponds to the transfer transaction processing operation of FIG. 6 according to the first embodiment will be omitted.

ATM 1 transmits a transfer inquiry message to financial host server 2 in the same manner as in step S103 described above. In addition, in the ATM 1, information indicating the timing at which the customer started the transfer transaction (for example, the timing at which the customer pressed the transfer button (confirmation button)) (hereinafter also referred to as "transfer transaction start time") is included in this transfer inquiry message. ) shall be included.

The financial host server 2 confirms the transfer information based on the transfer inquiry message (S105A). At this time, the financial host server 2 confirms the transfer transaction start time and the applicable fee from the acquired transfer fee management table Tb2. For example, if the transfer destination is your own bank and the start time of the transfer transaction is 15:30 on a weekday, the applicable time zone is more time, so the fee is the more time fee (YY).

If the customer starts the transfer transaction at the timing immediately before the end of the core time, for example, at 14:59, the financial host server 2 does not allow the transfer execution timing (the timing of step S108 described above) to exceed 15:00. core-time fees apply (unless the customer specifically chooses a more-time transfer, as described below). However, the financial host server 2 may make a transaction error or the like if the time to execute the transfer (or confirm the account) takes a long time (for example, 20 minutes).

In addition, if the customer starts the transfer transaction at the timing just before the start of the core time, for example, at 8:29, the financial host server 2 will not execute the transfer after 8:30, as described above. is also a more time (early morning more time) fee (transaction errors, etc. are the same as above).

Then, when the ATM 1 receives the transfer inquiry response message (including the fee information) transmitted in the process of step S105 described above, it displays a confirmation screen (S106A). The confirmation screen to be displayed is displayed so that the customer can understand the fees for core time/more time when the transfer is executed.

FIG. 14 is an explanatory diagram showing an example of a fee confirmation screen displayed, for example, in the case of more time. In FIG. 14, the configuration of the confirmation screen T5 is the same as the configuration of the confirmation screen T1 described above, except for the contents of the message column M (the fee is △△ yen because it is more time). Although the confirmation screen T5 is a confirmation screen for only the fee, it is not limited to such an example, and for example, transfer details such as the transfer destination and the transfer amount may also be displayed.

Furthermore, the ATM 1 may display a screen showing the possibility of changing the fee at the start of the transaction when it is just before the core time/more time period. Regarding the definition of the time zone, for example, when the boundary is 8:30, the time zone is defined as 8:25 to 8:29, but is not limited to this example. It can be appropriately set to before, 7 minutes before, or the like. For example, if the transfer start time is 8:29 as described above, when displaying the above confirmation screen T5, the following message will be displayed: 8:30 is core time, and the transfer fee will be XX yen. .” or the like may be added. Further, in addition to adding the above message, a button for changing to core time transfer may be displayed.

Next, modifications will be mentioned. In the above description, the financial host server 2 determines the core time/more time based on the timing of the process of step S104A. The core time/more time period may be determined based on the reference. The method of determination and the applicable fees are the same as those described in the processing of step S104A. For example, if the financial host server 2 executes the transfer at 14:59, the commission is for core time.

In addition, the screen displayed on the ATM 1 in the process of step S106A is such that the customer can understand the core/more fee when executing the transfer, and when the customer is satisfied, the confirmation button can be pressed. get. In particular, when a customer initiates a transaction at an ATM, even if it is during the core time period, when the transfer is executed during the more time period, the fee will be changed to the more fee system. A note may be displayed on the screen (for example, FIG. 15) that the

FIG. 15 is an explanatory diagram showing an example of a confirmation screen displayed when the current time is more time. In FIG. 15, the configuration of the confirmation screen T6 is the same as the configuration of the confirmation screen T5 described above, except for the contents of the message column M (currently, the fee is △△ yen because it is more time). Although the confirmation screen T6 is a confirmation screen for only the fee, it is not limited to such an example, and for example, transfer details such as the transfer destination and transfer amount may also be displayed.

(B-3) Effect of Second Embodiment As described above, according to the second embodiment, in addition to the effect of the first embodiment, according to each time zone (core time, more time, etc.) , different fees may apply.

(C) 3rd Embodiment Next, 3rd Embodiment of the transaction apparatus and transaction program which concerns on this invention is described in detail, referring drawings.

(C-1) Configuration of Third Embodiment In the third embodiment, transfer processing is executed in consideration of customer convenience, such as automatically changing the transfer type according to the setting status of the ATM. Therefore, the second embodiment will also be described using the overall configuration of the transaction system 5 of FIG. 1 and the external configuration of the ATM 1 of FIG. 2 according to the first embodiment.

FIG. 16 is a configuration diagram showing the internal configuration of ATM 1 according to the third embodiment. 16, the ATM 1 according to the third embodiment includes a transaction control unit 21, a storage unit 23, a communication unit 24, an operation display control unit 25, a card mechanism unit 26, as in the ATM 1 according to the first embodiment. It has a passbook mechanism unit 27 and a cash mechanism unit 28 .

In the third embodiment, the processing of the transaction processing unit 211 and the contents stored in the storage unit 23 are different from those of the first embodiment. Therefore, in the third embodiment, the configuration of the transaction processing unit 211 (mainly, the transfer type changing unit 31 as the first transfer content changing unit and the transfer content changing/advising unit 32 as the second transfer content changing unit ) and the storage unit 23 will be described in detail.

Whether the storage unit 23 functions so as to be able to handle immediate transfers during more time (after business hours, in the early morning) (valid), or whether it functions as being incapable of handling immediate transfers during more times as in conventional transfers. It has more time function information M1, which is setting information indicating (disabled). The more time function information M1 is set by maintenance personnel or the like directly or remotely when the ATM 1 is installed or when the operation is started, for example.

The storage unit 23 also has operation information M2 indicating an operation mode (transfer type) of the ATM1. The operation information M2 is information indicating whether an immediate transfer or a reserved transfer is operated as the ATM1 when receiving a transfer transaction from a customer. The operation mode may be switched between immediate/reserved depending on the time zone (core time, more time).

Furthermore, the storage unit 23 has a transfer fee management table Tb2 that was held by the financial host server 2 in the second embodiment. This transfer fee management table Tb2 may be managed by both the ATM 1 and the financial host server 2. FIG.

The transfer content change/advice unit 32 of the transaction control unit 21 includes a transfer transaction processing unit 30 , a transfer type change unit 31 , and a transfer content change/advice unit 32 .

The transfer type change unit 31 determines the transfer type (immediate/reserved) at the time of the transfer inquiry, determined based on the operation information M2, which is the setting information held by itself, and the inquiry result returned from the financial host server 2. If the transfer type at the time of the transfer inquiry response is different, the transfer type at the time of execution of the transfer is changed to the transfer type returned from the financial host server 2. - 特許庁

Similarly, the transfer type changing unit 31 executes the transfer transaction even if the transfer type received from the customer at the time of the transfer inquiry received from the customer at the customer's request is different from the transfer type at the time of response from the financial host server 2. Change the type of transfer to be made.

Furthermore, if the transfer type at the time of the transfer inquiry is immediate transfer and the inquiry result at the time of response is an error (for example, if the account confirmation of the transfer destination is an error), the transfer type changing unit 31 Regardless of whether the transfer type at the time of the transfer inquiry is different from the transfer type at the time of response from the financial host server 2, the transfer type may be changed to reserved transfer, for example. Note that the transfer type changing unit 31 is not limited to such an example, and in the case of the above error, for example, the customer may select whether to proceed with immediate transfer or change to reserved transfer.

After the customer presses the transfer button, the transfer content change/advice unit 32, based on the above-described own more time setting status (function/operation mode) and further, based on all or part of the fee, Change the transfer details or give advice to the accepted transfer type, transfer destination, etc. In other words, the transfer content change/advice unit 32 changes or advises the transfer content based on the more time function information M1, the operation information M2, and the transfer fee management table Tb2 stored in the storage unit.

For example, when the ATM 1 makes a transfer inquiry to the financial host server 2 under the condition that the more time function of the ATM 1 is "disabled" or the operation mode is "reserved transfer", the transfer details change/advise unit 32 may notify the customer that the customer desires immediate transfer. If so, the transfer type is changed to reserved transfer and a transfer inquiry message is created, or a comment is displayed on the screen to the effect that immediate transfer is not possible, and advice is given to change to reserved transfer. Further, in the above case, the transfer content change/advice unit 32 may change the transfer type to reserved transfer, and ask the customer to confirm on the screen and press a button.

Further, for example, when the ATM 1 makes a transfer inquiry to the financial host server 2 under the condition that the more time function of the ATM 1 is enabled or the operation mode is an immediate reservation, the transfer details change/advise unit 32 requests a reserved transfer. , either change the transfer type to "immediate transfer" and create a transfer inquiry telegram, or display a comment on the screen to the effect that immediate transfer is possible, and recommend immediate transfer.

When the comment is displayed on the screen, the transfer content change/advise unit 32 may also display the fee required for the transfer. If the transfer is cheaper, you may also write on the screen that the immediate transfer is more profitable in terms of fees. Alternatively, in the above case, the transfer content change/advise unit 32 may change the transfer type from reserved transfer to immediate transfer, and ask the customer to confirm on the screen and press a button.

(C-2) Operation of the Third Embodiment Next, the operation of transfer transaction processing in the transaction system 5 according to the third embodiment will be described in detail with reference to the drawings.

FIG. 17 is a flow chart showing processing operations of a transfer transaction in the transaction system 5 according to the third embodiment. In FIG. 17, the same reference numerals are given to the processes that are the same as or correspond to the transfer transaction processing operations according to the first and second embodiments. Further, detailed descriptions of the processing operations that are the same as or correspond to the transfer transaction processing operations according to the first and second embodiments will be omitted.

When the customer selects a transfer transaction through the process of step S101 described above, the transaction control unit 21 activates the transfer transaction processing unit 30 and the transfer content change/advise unit 32, and, for example, instructs the customer to make an immediate transfer. Alternatively, a screen for selecting either reserved transfer is displayed, and an input of immediate transfer or reserved transfer is accepted (S301). As a modification, this selection process may be omitted, and the transfer type described in the operation information M2 may be used as a default value, and the next process may be performed.

Next, the transfer content change/advise unit 32 determines whether the selected transfer type is appropriate based on the settings described in the more time function information M1 and the operation information M2 (S301). For example, if the current time is more time and immediate transfer is selected, if the more time function information M1 indicates "effective" and the operation information M2 indicates "immediate transfer", "Apply" (moving to the processing of step 102). On the other hand, when the more time function information M1 indicates "invalid" or the operation information M2 indicates "reservation transfer", it is determined to be "not applicable" (proceeding to step 303).

If it is determined that the application is not applicable in the process of step S302, the transfer content change/advice unit 32 displays a confirmation screen for the customer, and then changes the transfer type (S303).

Next, in ATM1, the process of step S102 and the process of step 103 are performed.

When the financial host server 2 receives the transfer inquiry message from the ATM 1, it performs the same processing as that of step S104 described above (104B).

Subsequently, the finance host server 2 creates a transfer inquiry message in the same manner as in step S105 described above (105B). This transfer inquiry response message includes, for example, time zone (usually, after work, early morning, holiday), availability of various types of transfer (possibility of immediate transfer, availability of reserved transfer), availability of payment commitment, etc. .

Then, when the ATM 1 receives the transfer inquiry response message (including the fee information) transmitted by the process of step S105B described above, based on the information set in the message, the ATM 1 displays a confirmation screen of the details of the transfer ( S106B).

For example, if the transfer type received from the customer is reservation (or if the transfer type is changed to reservation in the process of step S303), and the response message from the financial host server 2 is set to immediate. In this case, the transfer type changing unit 31 changes the transfer type to immediate transfer, and displays the following confirmation screen.

FIG. 18 is an explanatory diagram showing an example of a confirmation screen displayed when, for example, the time of inquiry is "reservation" and the time of response is "immediate". In FIG. 18, the configuration of the confirmation screen T7 is the same as the configuration of the confirmation screen T1 described above, except for the contents of the message column M (the transfer will be completed immediately).

In the confirmation screen T7, a message to the effect that the money will be transferred immediately is described in the message column M, but the present invention is not limited to such an example.

In the above description, the confirmation screen is displayed after the transfer type changing unit 31 changes the transfer type to immediate transfer, but the present invention is not limited to this. For example, when the ATM 1 receives a response message and the transfer type is different from that at the time of inquiry, for example, the transfer type changing unit 31 displays a confirmation screen as shown in FIG. It's okay to be broken. After the confirmation button B1 is pressed by the customer, the transfer type changing unit 31 may display the confirmation screen T7 of the details of the transfer described above.

FIG. 19 is a screen for confirming the details of the transfer displayed before FIG. In FIG. 19, the configuration of the confirmation screen T8 is the same as the configuration of the confirmation screen T1 described above, except for the contents of the message column M (currently, the transfer to the payee is immediate transfer).

For example, the confirmation screen T8 may also include information on fees (or information on fees may be displayed on a separate confirmation screen). Furthermore, on the confirmation screen T8, for example, the fees for core time and more time are displayed (the information may be displayed on a separate confirmation screen), and if the fees for core time and more time are the same, the fees are before and after the change. (This information may be displayed on a separate confirmation screen), or if, for example, changing from immediate to reservation reduces the fee, the confirmation screen T8 shows the reservation You may indicate that the transfer type after the change is more profitable in terms of fees, such as stating that the transfer fee is cheaper than the immediate transfer (separate confirmation screen information can be displayed). As for the fee, the fee information (transfer fee management table Tb2) of either the ATM 1 or the financial host server 2 may be referred to.

In addition to the above, if the transfer type is different between the inquiry from the ATM 1 and the response from the financial host server 2, and/or the confirmation result of the transfer account is not confirmed at the time of the response from the financial host server 2. If an error has occurred, the transfer type changing unit 31 (and the transfer details changing/advising unit 32) may display the following confirmation screen for the customer to make a selection.

FIG. 20 is an explanatory diagram showing an example of a confirmation screen for prompting the customer to select immediate transfer or reserved transfer. In FIG. 20, the confirmation screen T9 includes an immediate button B3 for selecting immediate transfer and a reservation button B4 for selecting reserved transfer.

In the case of the "reservation" transfer shown on the confirmation screen T9, a message to the effect that the transfer will be completed on the next business day may also be displayed on the confirmation screen T9. In addition, in the case of an account confirmation error due to the processing of step S150 described above, a message to the effect that the transfer may not be completed immediately may be displayed on the confirmation screen T9 in the case of an "immediate" transfer. .

Although the above confirmation screens T7 to T9 have been described as an example, it is not limited to such examples, and for example, the transfer date such as XX year XX month DD may be further displayed on each screen. can be

The processing after S107 is the same as the existing transfer processing. That is, after confirming the customer, the ATM 1 transmits a transfer execution telegram containing the details of the transfer to the financial host server 2, executes the transfer transaction based on the input transfer information, Transfer transaction is completed.

(C-3) Effect of the Third Embodiment As described above, according to the third embodiment, for example, in the case of a transfer transaction during more time, when the transfer inquiry is made to the host, immediate transfer is not possible. At times, the transfer type can be flexibly changed to reserved transfer, and, for example, advice can be given to the customer in advance regarding the transfer type and cost. In other words, it is possible to provide customers with a highly convenient money transfer service.

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

(D-1) In the above-described first to third embodiments, confirmation processing such as whether or not immediate transfer is possible and confirmation of the time zone was performed on the host side (step S104, etc.), but the above confirmation processing may be executed entirely or partially on the ATM side. In this case, the ATM 1 needs to store in advance information necessary for the confirmation process (information on whether or not immediate transfer is possible at own bank/other banks, information on core/more time periods, etc.).

(D-2) In the above-described first to third embodiments, the case where several types of confirmation messages are displayed on the display screen has been described as an example, but the present invention is not limited to such examples. As a result, the output statement (paper medium/data, etc.) may also include the same content as the confirmation message.

(D-3) In the second embodiment, the case where the host determines the fee etc. has been described as an example, but the present invention is not limited to such an example. After receiving the transfer inquiry response message from the host, the ATM may perform the transfer.

(D-4) In the first to third embodiments described above, the case where the transaction device according to the present invention is an ATM is exemplified. However, an information processing terminal (for example, a personal computer, etc.) used by a customer in, for example, so-called Internet banking, etc., in which transfer transactions are performed using the Internet, is also included in the transaction apparatus according to the present invention. The transaction program according to the present invention also includes an application program that operates on a customer's information processing terminal in Internet banking.

(D-5) In the above-described embodiment, the case where the financial host server of one's own bank exchanges electronic messages with the financial host server of another bank was exemplified. However, the financial host servers of one's own bank and other banks may transmit and receive electronic messages via, for example, the Zengin System operated by financial institutions nationwide.

DESCRIPTION OF SYMBOLS 1...ATM, 2...Financial host server, 3...Other bank financial host server, 4-1, 4-2...Communication line, 5...Trading system, 11...Operation display unit, 12...Bill deposit/withdrawal port, 13...Coin 14...Passbook inlet/outlet 15...Card inlet/outlet 21...Transaction control unit 23...Storage unit 24...Communication unit 25...Operation display control unit 26...Card mechanism unit 27...Passbook mechanism unit , 28... cash mechanism unit, 30... transfer transaction processing unit, 31... transfer type change unit, 32... transfer content change/advice unit, 41... control unit, 43... storage unit, 44, 45... communication unit, Tb1... sales Time management table, Tb2: Transfer fee management table.

Claims (12)

In a transaction device that performs a transfer transaction based on the input transfer information,
Equipped with a transfer transaction processing unit that outputs confirmation information for confirming the transfer details to the customer,
When performing the transfer transaction, if the other financial institution to which the transfer is to be made does not fall under the early morning more time period before business hours on weekdays, the confirmation information indicates that the transfer will be made on the same day. A transaction device characterized by including information indicating. In a transaction device that performs a transfer transaction based on the input transfer information,
Equipped with a transfer transaction processing unit that outputs confirmation information for confirming the transfer details to the customer,
When the transfer transaction is performed, if the transferee financial institution, which is another bank, does not fall under the early morning more time during the hours before business hours on weekdays, the confirmation information indicates that the payment to the transferee is A transaction device characterized by including information indicating that the transaction will be conducted after the opening hours of a financial institution. As a result of confirming whether the transfer is possible in the early morning hours when the transfer transaction is performed, if the financial institution to which the transfer is to be made does not allow immediate transfer and/or cannot guarantee payment, the confirmation information indicates that the transfer will be performed on the same day. 2. The transaction device according to claim 1, wherein information indicating is included. a communication unit that transmits transfer inquiry information including the transfer information to a connected financial host server;
The transfer transaction processing unit
The transaction device according to any one of claims 1 to 3, wherein the financial host server outputs the confirmation information in response to a confirmation result including a result of an inquiry as to whether or not a transfer is possible. The confirmation information includes information about the transfer fee,
The transaction device according to claim 4, wherein the transfer fee is determined by the financial host server or the transaction device at a predetermined timing. The predetermined timing is the timing when the financial host server receives the transfer inquiry information,
The transaction device according to claim 5, wherein the transfer fee is a transfer fee determined by the financial host server. The predetermined timing is the timing of receiving a response to the transfer inquiry information from the financial host server,
The transaction device according to claim 5, wherein the transfer fee is a transfer fee determined by the transaction device. The transfer fee applied to the transfer transaction is characterized in that, if the start time of the transfer transaction is just before the early morning hours before the business start time on weekdays, the fee for another time period is applied. Item 8. The transaction device according to any one of items 5 to 7. If the transfer type of the transferee financial institution differs from the transfer type that can be transferred in the early morning hours before business hours on weekdays and the transfer type that accompanies the transfer transaction received from the customer, the transfer type that accompanies the transfer transaction 9. The transaction device according to any one of claims 1 to 8, further comprising a first transfer details changing unit that changes the . Determining whether or not the transfer type associated with the transfer transaction received from the customer conforms based on the setting information preset in the transaction device, and if not conforming, changing the transfer type accompanying the transfer transaction 10. The transaction device according to any one of claims 1 to 9, further comprising a second transfer content changing unit. A computer installed in a transaction device that performs a transfer transaction based on the input transfer information,
Function as a transfer transaction processing unit that outputs confirmation information for confirming the transfer details to the customer,
When performing the transfer transaction, if the other financial institution to which the transfer is to be made does not fall under the early morning more time period before business hours on weekdays, the confirmation information indicates that the transfer will be made on the same day. A trading program characterized by including information indicating A computer installed in a transaction device that performs a transfer transaction based on the input transfer information,
Function as a transfer transaction processing unit that outputs confirmation information for confirming the transfer details to the customer,
When the transfer transaction is performed, if the transferee financial institution, which is another bank, does not fall under the early morning more time during the hours before business hours on weekdays, the confirmation information indicates that the payment to the transferee is A trading program characterized by including information indicating that it will be conducted after the opening hours of the financial institution.

Images