CN1936979A - Automatic trade apparatus and automatic trade system - Google Patents
Automatic trade apparatus and automatic trade system Download PDFInfo
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- CN1936979A CN1936979A CN 200610151806 CN200610151806A CN1936979A CN 1936979 A CN1936979 A CN 1936979A CN 200610151806 CN200610151806 CN 200610151806 CN 200610151806 A CN200610151806 A CN 200610151806A CN 1936979 A CN1936979 A CN 1936979A
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Abstract
In the automatic transaction system, a host computer (3) comprises a customer database (4), wherein an accumulation points associated with account information of the customer is stored which is updated upon receipt of an instruction from the automatic transaction device (1) in which unnecessity of a specification slip printing the content of the transaction by the customer is selected. A point processing part of the automatic transaction device (1) receives the accumulation point extracted by retrieval of the customer database (4) by the host computer (3) based on the account information received from the automatic transaction device (1), subtracts a point corresponding to a reduction in transaction charge selected by the customer from the accumulation point, and transmits a telegram reporting the point after substraction and a transaction telegram containing information of reducing the transaction charge to the host computer (3). The host computer (3) updates the accumulation point of the customer, permits and the executes transaction with the reduced transaction charge on the basis of the updated accumulation points.
Description
Technical field
The present invention relates to automatic trading apparatus and automated trading system, be specifically related to provide and be located at the automatic trading apparatus and the automated trading system of service of use service charge derating of automatic trading apparatus in the shop etc. of the shop of financial institution or convenience store etc.
Background technology
Traditional automatic trading apparatus and automated trading system be by client's operation, during the transaction of having carried out that cash withdrawal, cash deposit in etc., issues the detailed ticket of its transaction content of printing to this client.
In addition, have and when closing the transaction, make client select not issue detailed ticket, if select not, then the transaction content that client is carried out shows that at display part the situation of printing and the distribution of not carrying out detailed ticket is (for example with reference to patent documentation TOHKEMY 2001-134807 communique (paragraph " 0023 "～paragraph " 0027 ", Fig. 4)).
Summary of the invention
But in above-mentioned conventional art, by reducing the quantity of the transaction details ticket that printing and distribution client carry out, financial institution etc. can reduce its expense, but for the client who concludes the business not also its expense of reason reduce and the interests that produce.
The present invention is to solve such problem as problem.
Therefore, automated trading system of the present invention possess by client operating accept Transaction Information input automatic trading apparatus and receive the transaction text of consignment trade and the principal computer of approve transactions based on the Transaction Information of this input from automatic trading apparatus, it is characterized in that: principal computer is provided with customer database, store the cumulative integral (point) that the automatic trading apparatus of the detailed ticket of the transaction content that has carried out from having selected not print this client operating receives indication and upgraded explicitly with the account information of client's symbolization of accounts etc. in this database, receive the principal computer of the account information that the card by client reads from automatic trading apparatus, send to automatic trading apparatus according to the described customer database of this account information retrieval and with the cumulative integral of extracting out, the Integral Processing portion of this automatic trading apparatus can deduct the suitable integration of derating of the transaction service charge of selecting with this client from the cumulative integral that receives, when deducting, the text of the integration after notifying this to deduct and the transaction text that comprises the information of paying less easy service charge are sent to this principal computer, this principal computer upgrades this client's cumulative integral according to the text that receives, permission simultaneously will conclude the business the service charge derating transaction and conclude the business.
According to such the present invention, the interests that can produce and the expense of detailed tickets is issued in minimizings such as reason financial institution to client, in addition, acquisition can improve the effect to client's service.
Description of drawings
Fig. 1 is the block diagram of the automated trading system among the expression embodiment 1.
Fig. 2 is the block diagram of the automatic trading apparatus among the expression embodiment 1.
Fig. 3 is the transaction flow block scheme among the expression embodiment 1.
Fig. 4 is the key diagram that the transaction content among the embodiment 1 is confirmed picture.
Fig. 5 is the key diagram of the mark input picture among the embodiment 1.
Fig. 6 is the key diagram that the transaction content among the embodiment 1 is confirmed picture.
Fig. 7 is the key diagram of the integration guide picture among the embodiment 1.
Fig. 8 is the process flow diagram of the transaction flow among the expression embodiment 2.
Fig. 9 is the key diagram that picture is selected in the transaction among the embodiment 2.
Figure 10 is the key diagram of the integration inquiry picture among the embodiment 2.
Figure 11 is the process flow diagram of the transaction flow among the expression embodiment 3.
Figure 12 is the key diagram that picture is selected in the transaction among the embodiment 2.
Figure 13 is the key diagram of the integration service picture among the embodiment 3.
Figure 14 is the key diagram of the integration service picture among the embodiment 3.
Symbol description
1 automatic trading apparatus, 2 communication lines, 3 principal computers, 4 customer databases, 11 client operating display parts, 12 card divisions, 13 cards insert and to withdraw from mouth, 14 detailed ticket Printing Departments, 15 detailed ticket escape holes, 16 cash portions, 17 go into coin discharge, 18 bankbook portions, 19 bankbooks insert and withdraw from mouth, 20 storage parts, 21 communication control units, 22 control parts, 221 Integral Processing portions.
Embodiment
Below, with reference to accompanying drawing, the embodiment of automatic trading apparatus of the present invention and automated trading system is described.
Embodiment
At first, embodiment 1 is described.
Fig. 1 is the block diagram of the automated trading system among the expression embodiment 1, and Fig. 2 is the block diagram of the automatic trading apparatus among the expression embodiment 1.
The structure of automated trading system is described according to Fig. 1.
Among Fig. 1, the 1st, automatic trading apparatus is located at the shop of the shop of financial institution of bank etc. or convenience store etc.The transaction that this automatic trading apparatus 1 can carry out cash withdrawal or cash income and deposit in etc. by client operating.In addition, can be connected to communication line 2 communicatedly.
The 3rd, principal computer is located at the affairs center etc. of the financial institution of bank etc.Computing and control assembly that this principal computer 3 possesses CPU (Central Processing Unit), MPU (Micro Processing Unit) etc. are control part; The memory unit of disk, semiconductor memory etc. is a storage part; And communication component is Department of Communication Force etc., can be connected communicatedly mutually with automatic trading apparatus 1 grade via communication line 2.
In addition, this principal computer 3 judges whether to make and automatic trading apparatus 1 between carry out cash withdrawal, cash income, the client's of the transmitting-receiving of the transaction text that deposits in etc. transaction sets up, and carries out this transaction processing simultaneously.In addition, whether be my authenticate himself also with client's symbolization of accounts and client's code number etc.
The 4th, customer database, principal computer 3 possesses.This customer database 4 comprises the Customer Information of the cumulative integral that client obtains by each client storage, stores this Customer Information explicitly with the account information of client's symbolization of accounts etc.Thereby principal computer 3 is based on the account information retrieval customer database 4 of client's symbolization of accounts etc., can extract the Customer Information that comprises the integration that this client obtains out.
Here, integration is when not accepting the distribution of detailed ticket in the transaction that client carries out in automatic trading apparatus 1, the mark that gives this client and can accumulate can be accepted and will adorn the service of the use service charge derating of the transaction of carrying out in the transaction system 1 automatically according to this mark.
The structure of automatic trading apparatus then, is described.
Among Fig. 2, the 11st, the client operating display part is made of the display part of the operating portion of touch-screen etc. and LCD etc.This client operating display part 11 disposes touch-screen and surveys input operation that client carries out etc. on the display part of CRT (cathode-ray tube (CRT)) display or LCD etc., in addition, show the picture of inducing of picture is selected in transaction, client is carried out in transaction that client is selected input operation etc. and the information of input etc.
The 12nd, the card division possesses card and reads and write mechanism and card transport mechanism etc.This card division 12 is inserted card from client and is inserted the account information that the magnetic stripe withdraw from mouthfuls 13 card or IC chip etc. read symbolization of accounts etc.The card that has read symbolization of accounts etc. inserts from card and withdraws from mouthfuls 13 and discharge and return to client.This card inserts and withdraws from mouthfuls 13 mechanisms that are provided with the acceptance of the mechanism of insertion of detecting card and detecting card.
The 14th, detailed ticket Printing Department possesses detailed ticket printing mechanism and detailed ticket transport mechanism etc.The transaction content that this detail ticket Printing Department 14 carries out at detailed ticket printing client operating should be discharged by the detail ticket the detailed ticket that client accepts to discharge with the conveyance of detailed ticket carrying channel and from detailed ticket escape hole 15.This detail ticket escape hole 15 is provided with the mechanism of the situation of surveying the detailed ticket of accepting discharge.
The 16th, cash portion goes into Coin dispensing apparatus and coin by bank note and goes into Coin dispensing apparatus and constitute.This cash portion 16 follows the coin of going into out of the currency or coin of cash withdrawal transaction or cash income transaction to handle.Here, income is handled to refer to go at bank note and is deposited in national treasury after Coin dispensing apparatus counting client puts into the bank note of coin discharge 17, and goes into the Coin dispensing apparatus counting at coin and put into the processing of depositing national treasury behind the coin of coin discharge 17.In addition, pay the bill to handle referring to respectively from bank note goes into that Coin dispensing apparatus and coin go into that the national treasury of Coin dispensing apparatus is emitted successively and counting and client operating and the amount of money of appointment are suitable bank note and coin conveyed, pay client's processing then to going into coin discharge 17.
This is gone into coin discharge 17 and is provided with the mechanism of the bank note that survey to insert and coin and surveys the bank note of conveyance and the mechanism of the acceptance of coin.
Have, cash portion 16 is not limited to go into Coin dispensing apparatus and coin by bank note to be gone into Coin dispensing apparatus and constitutes, and can only go into Coin dispensing apparatus by bank note and constitute, and can not possess this cash portion 16 again.
The 18th, bankbook portion possesses and reads bankbook magnetic stripe and the mechanism that writes, bankbook transport mechanism and bankbook printing mechanism etc.This bankbook portion 18 reads from bankbook and inserts bankbook magnetic stripes that withdraw from mouth 19 insertions, and in addition, the transaction content that the printing client carries out etc. withdraw from mouthful 19 discharges by the bankbook insertion.This bankbook inserts and withdraws from the mechanism that mouth 19 is provided with the mechanism of the insertion of surveying bankbook and surveys the acceptance of bankbook.
The 20th, storage part is made of and canned data semiconductor memory or disk etc., can read canned data.The control program (software) of storage control automatic trading apparatus 1 molar behavior in this storage part 20, carry out information that exchange needs etc. client operating display part 11 picture displayed data and client.
The 21st, communication control unit carries out the transmitting-receiving of information between principal computer 3 grades that connect via communication line 2.
The 22nd, control part is made of the computing of CPU etc. and control assembly and not shown memory unit and Integral Processing described later portion etc.This control part 22 comprises the action of automatic trading apparatus 1 integral body of client operating display part 11, card division 12, detailed ticket Printing Department 14, cash portion 16, bankbook portion 18, storage part 20 and communication control unit 21 based on the control program that leaves storage part 20 in (software) control.
In addition, control part 22 also has and measures the date and unit constantly etc. is calendar and clock function etc.
The 221st, Integral Processing portion, carry out following processing: the cumulative integral that obtains based on the client who receives from principal computer 3 processing of the service that deducts the service charge that takes place the transaction that client carries out is provided and when closing the transaction, will not want the printing of detailed ticket and the occasion of distribution to integration be added to the processing etc. of the cumulative integral that client obtains.
Effect to said structure describes.
Also have, in the action of the each several part of following explanation, the program of depositing in the memory unit based on not shown storer or disk etc. (software) is controlled by the control assembly of not shown central processing unit etc.
Fig. 3 is the process flow diagram of the transaction flow among the expression embodiment 1, describes according to the step of representing with S among the figure.
At first, if survey the approaching of client by the non-contacting sensor of not shown automatic trading apparatus 1, then the client operating display part 11 of automatic trading apparatus 1 shows statement that " welcome " waits and by the transaction selection picture of the transaction selector button formation of " extractions ", " income ", " depositing in ", " inquiry into balance " etc.
S1a: show that in client operating display part 11 client pressed the transaction selector button corresponding with the transaction of wishing when picture was selected in transaction.In the present embodiment, client presses the transaction selector button of " depositing in ".
S2a: in a single day client operating display part 11 detects supresses " depositing in " transaction selector button, and client operating display part 11 is just induced picture according to the card insertion that the indicated number of control part 22 impels client to insert card.Client inserts according to card and induces picture to insert the card that escape hole 13 insertions are held from card.
S3a: the account information of symbolization of accounts etc. is read in card division 12 from the magnetic stripe of the card that inserts or IC chip etc.When having inserted card, client operating display part 11 shows the code number input picture of the input of the code number of accepting client.On this code number input picture, show the action button that reaches formations such as " 0 " button by " 1 " to " 9 ".Client operating display part 11 display passwords number input picture, client just presses the action button input code number of demonstration.If client imports code number, then control part 22 sends to principal computer 3 with this code number with the symbolization of accounts that reads from card etc. via communication control unit 21.
In addition, authenticate himself is not limited to the situation of the number of accessing to your password, and can be the authenticate himself that uses biological identification etc.
S4a: the result of authenticate himself, if can be confirmed to be me, then the Integral Processing portion 221 of automatic trading apparatus 1 makes the trust text of the integration information of the account information of obtaining the symbolization of accounts that comprises client etc., and sends to principal computer 3.Principal computer 3 is based on the account information retrieval customer database 4 of the client's who receives symbolization of accounts etc., extracts the Customer Information that comprises the cumulative integral that client obtains out, and this Customer Information is transmitted back to automatic trading apparatus 1.
S5a: the Customer Information that the Integral Processing portion 221 of automatic trading apparatus 1 will comprise the cumulative integral that client obtained of reception is stored in storage part 20, then, client deposits destination financial institution name in, deposits the destination in and divide trade name, deposit the information that the exchange of destination symbolization of accounts etc. needs in from client operating display part 11 input.
S6a: if client operating display part 11 is accepted the input of the information of exchange's need, then Integral Processing portion 221 judges whether the transaction of clients' selection can accept to use the service of integration.Here, can accept to use decision condition the transaction generation service charge for example of the service of integration, and the cumulative integral that client obtains is in the occasion more than 5 minutes for selecting.
In above-mentioned judgement, when judgement can not be accepted to use the service of integration, S10a is transferred in processing.
S7a: on the one hand, if judge the service that can accept to use integration, then client operating display part 11 is confirmed picture 41 according to the indicated number of Integral Processing portion 221 transaction content shown in Figure 4.
This transaction content confirms that picture 41 is by constituting with the lower part: the statement of " PLSCONFM content " etc.; That imports in S5a deposits destination financial institution name in, deposits the transaction content 42 that the destination is divided trade name, deposited destination symbolization of accounts, service charge etc. in; " available integration is 30P.If use 30P then to exempt from service charge." integration of the statement that waits and " use integration " button 44, " not using integration " button 45 etc. use confirm 43, " affirmations " button 46 reaches " cancellation " button 47 etc.
Here, transaction content 42 shows that service charge is 315 Yen, and in addition, integration uses to be confirmed in 43 by " available integration is 30P." statement show that client's cumulative integral is 30 minutes, show by " if use 30P then exempts from service charge." statement can accept to use this cumulative integral to exempt from the situation of the service of service charge.
In the time of can using integration like this, show " use integration " button 44, " not using integration " button 45, make client select whether to accept the service of integration.
S8a: client confirms that transaction content confirms the content of picture 41, presses " use integration " button 44 in the time of using cumulative integral and after selecting, presses " affirmation " button 46.
On the other hand, press " not using integration " button 45 when not using integration and after selecting, press " affirmation " button 46.At this moment, transfer to the processing of S10a.
S9a: client operating display part 11 is imported picture 51 according to the indicated number of Integral Processing portion 221 mark shown in Figure 5 when detecting the pressing of " use integration " button 44 and " affirmations " button 46.This mark input picture 51 is by constituting with the lower part: the statement of " PLSCONFM content " etc.; That imports among the S5a deposits destination financial institution name in, deposits the transaction content 52 that the destination is divided trade name, deposited destination symbolization of accounts, service charge etc. in; " please import the mark of use." " 1 " of the statement that waits and the input mark that uses arrive " 9 " and reach the digital button of " 0 " and the integration of zone 54 formations that mark is imported in demonstration imports 53; " affirmation " button 55 and " cancellation " button 56 etc.
Arrive digital button input that " 9 " reach " 0 " when using integration when client presses " 1 ", the integration of input shows in the zone 54 of flashing.For example, when client's input " 3 " and " 0 ", showing demonstration " 30P " on the zone 54 of importing mark.
After integration was used in input, client pressed " affirmation " button 55.If accept should " affirmations " button 55 press, then the cumulative integral of Integral Processing portion 221 client's acquisition of storing from storage part 20 deducts the mark of input.In the present embodiment, the cumulative integral that 30 minutes the client as a result who deducted use in 30 minutes of the integration that obtains from client obtains becomes 0 fen.
S10a: Integral Processing portion 221 is selected by client and generates the transaction text according to the transaction content of importing, and sends to principal computer 3.For example, when accept using the service of integration, the transaction text is by depositing the amount of money in, deposit destination financial institution in, deposit the branch, destination in, depositing destination symbolization of accounts etc. and expression in the information of service charge derating etc. is constituted.Also have, when not accepting to use the service of integration, the transaction text is by depositing the amount of money in, deposit destination financial institution in, deposit the branch, destination in, deposit destination symbolization of accounts etc. in and representing that the information etc. of derating service charge not constitutes.
S11a: on the other hand, client operating display part 11 was selected picture 61 according to the indicated number of Integral Processing portion 221 detailed ticket printing shown in Figure 6 when transaction was set up.This detail ticket printing selects picture 61 by constituting with the lower part: the statement of " PLSCONFM content " etc.; That imports among the S5a deposits destination financial institution name in, deposits the transaction content 62 that the destination is divided trade name, deposited destination symbolization of accounts, service charge etc. in; " print detailed ticket " button 63, " not printing detailed ticket " button 64 etc.
S12a: client operating display part 11 waits for that client presses " printing detailed ticket " button 63 or " not printing detailed ticket " button 64.
S13a: when client operating display part 11 detects pressing of " not printing detailed ticket " button 64, add predetermined integral on the cumulative integral that the client that Integral Processing portion 221 stores obtains in storage part 20.For example, when the cumulative integral that obtains as the client of storage in the storage part 20 is 0, if the integration that obtains in this transaction be 5 minutes then cumulative integral become 5.
Also have, the detailed ticket of printing transaction content is not issued to client.
S14a: on the other hand, client operating display part 11 transaction content that detailed ticket Printing Department 14 carries out client when detecting the pressing of " printing detailed ticket " button 63 is printed on the detailed ticket.At this moment, do not carry out the renewal of cumulative integral.
S15a: if client presses " printing detailed ticket " button 63 or " not printing detailed ticket " button 64, then Integral Processing portion 221 sends to principal computer 3 with the cumulative integral of storage in the storage part 20 with the account information of client's symbolization of accounts etc. via communication control unit 21.Principal computer 3 leaves in customer database 4 such as the account information of symbolization of accounts of the client of cumulative integral and reception etc. explicitly.
In addition, the client operating display part 11 of automatic trading apparatus 1 shows integration guide picture 71 shown in Figure 7 according to the indication of Integral Processing portion 221.
This integration guide picture 71 is by " integration that uses today is 30P.The integration that appends today is 5P.Next available 5P.(service charge subtracts 50 Yen) " etc. statement and " affirmation " button 73 formations such as grade.With " integration that uses today is 30P." statement represent the mark that client uses in this transaction, with " integration that appends today is 5P." statement list be shown in the mark that newly adds in this transaction, with " next available 5P." statement represent the running summary of the points scored that client obtains.
Have again, when client does not use the integration service in this transaction, do not show that " integration that uses today is 30P." statement.Similarly, when client has carried out the printing of detailed ticket in this transaction, do not show that " integration that appends today is 5P." statement.In addition, the cumulative integral that the client who upgrades in S13a obtains is 0 o'clock, replaces " next available 5P." statement and show " not have available integration next time." statement that waits.
Client confirms to press " affirmation " button 73 after the situation of integration.
S16a: when client operating display part 11 detected pressing of " affirmation " button 73, the card that card division 11 will be inserted according to the indication of control part 22 withdrawed from mouthful 13 discharges from the card insertion and returns to client.
S17a: when in S12a, supressing " not printing detailed ticket " button 64, close the trade.
S18a: when on the other hand, in S12a, supressing " printing detailed ticket " button 63, the detailed ticket of printing is discharged and to client's distribution and close the trade from detailed ticket escape hole 15.
Client concludes the business in automatic trading apparatus 1 like this.
In addition, in the present embodiment, put down in writing every selection and once " do not printed detailed ticket " and just on cumulative integral, add 5 fens, but be not limited to 5 fens, can be any integration.
In addition, having put down in writing and having deposited service charge in is 315 Yen, but is not limited to 315 Yen.And the transaction that service charge takes place is not limited to deposit in transaction, also can be the transaction of extracting cash etc.
And, be not documented in the above-mentioned transaction occasion of abort transactoin midway especially, but suitable display suppression button etc. and by selecting abort transactoin.At this moment, return the card that inserts to client and close the trade.
As described above, client to the transaction of printing of not wanting detailed ticket and distribution among the embodiment 1 gives integration, use the service charge of this integration in paying less easily, thereby can improve service to client, in addition, the interests that obtain to produce by the expense of cutting down the detailed tickets of distribution such as the financial institution effect of reducing to client.
In addition, by improving the service to client, the effect of the utilization rate of the automatic trading apparatus that improves.
The structure of embodiment 2 adopts prosign and omits its explanation on the part identical with the structure of embodiment 1.
Effect with regard to embodiment 2 describes.
Also have, the below action of Shuo Ming each several part, the program of depositing on the memory unit based on not shown storer or disk etc. (software) is controlled by the control assembly of not shown central processing unit etc.
Fig. 8 is the process flow diagram of the transaction flow among the expression embodiment 2, describes according to the step of representing with S among the figure.
At first, with the non-contacting sensor of not shown automatic trading apparatus 1 detect client near the time automatic trading apparatus 1 client operating display part 11 show that transaction shown in Figure 9 selects picture 91.This transaction selects picture 91 by " welcome.Please option dealing." the transaction selector button formation of the statement that waits and " extractions " button, " depositing in " button, " integration inquiry " button 92, " savings " button, " inquiry into balance " button etc.
S1b: if show transaction selection picture at client operating display part 11, then client presses the transaction selector button corresponding with the transaction of wishing.In the present embodiment, client supresses " integration inquiry " button 92.
S2b～S4b: identical with S2a～S4a of Fig. 3 and omit its explanation.
S5b: the Integral Processing portion 221 of automatic trading apparatus 1 will comprise the Customer Information of the cumulative integral that the client of reception obtains in storage part 20 storages, then, the client operating display part 11 integration inquiry picture 101 shown in Figure 10 according to the indicated number of Integral Processing portion 221.This integration inquiry picture 101 is by constituting with the lower part: by " available integration is 30P.(service charge subtracts 315 Yen) " etc. the information 102 of the cumulative integral that constitutes of statement and " extraction " button 103, " depositing in " button 104, " inquiry into balance " button 105, " affirmation " button 106 etc.
By " available integration is 30P." statement show that client's cumulative integral is 30 minutes, the statement by " (service charge subtracts 315 Yen) " shows can be accepted to make service charge subtract 315 Yen service by available integration.
S6b: when client's continuous business, press " extraction " button 103, " depositing in " button 104, " inquiry into balance " button 105 etc. and option dealing.The situation of " depositing in " button 104 is pressed in explanation in the present embodiment.
Press " affirmation " button 106 when not concluding the business on the other hand, and finish the integration inquiry.At this moment, card division 12 card that will insert is return to client and is closed the trade.
S7b: client presses " depositing in " button 104, and client will deposit destination financial institution name in, deposit the destination in and divide trade name, deposit information that the exchange of destination symbolization of accounts etc. needs in from 11 inputs of client operating display part when having selected to deposit in transaction.
S8b～S20b: identical with S6a～S18a of Fig. 3 and omit its explanation.
Client concludes the business in automatic trading apparatus 1 like this.
Also have, in the present embodiment, put down in writing every selection and once " do not printed detailed ticket " and just on cumulative integral, add 5 fens, but be not limited to 5 fens, can be any integration.
In addition, having put down in writing and having deposited service charge in is 315 Yen, but is not limited to 315 Yen.And the transaction that service charge takes place is not limited to deposit in transaction, also can be the transaction of extracting cash etc.
And, be not documented in the above-mentioned transaction occasion of abort transactoin midway especially, but suitable display suppression button etc. and by selecting abort transactoin.At this moment, return the card that inserts to client and close the trade.
As described above, in embodiment 2, not only obtain the effect of embodiment 1, and obtain can making client before the transaction of wishing, confirm the effect of integration by integration inquiry transaction is set.
The structure of embodiment 3 adopts prosign and omits its explanation on the part identical with the structure of embodiment 1.
Effect with regard to embodiment 3 describes.
Also have, the below action of Shuo Ming each several part, the program of depositing on the memory unit based on not shown storer or disk etc. (software) is controlled by the control assembly of not shown central processing unit etc.
Figure 11 is the process flow diagram of the transaction flow among the expression embodiment 3, describes according to the step of representing with S among the figure.
At first, with the non-contacting sensor of not shown automatic trading apparatus 1 detect client near the time automatic trading apparatus 1 client operating display part 11 show that transaction shown in Figure 12 selects picture 1201.This transaction selects picture 1201 by constituting with the lower part: " welcome.Please option dealing." the transaction selector button of the statement that waits and " extraction " button, " depositing in " button, " integration service " button 1202, " savings " button, " inquiry into balance " button etc.
S1c: client presses the transaction selector button corresponding with the transaction of wishing when client operating display part 11 has shown that picture is selected in transaction.In the present embodiment, client supresses " integration service " button 1202.
S2c～S4c: identical with S2a～S4a of Fig. 3 and omit its explanation.
S5c: the Integral Processing portion 221 of automatic trading apparatus 1 will comprise the Customer Information of the cumulative integral that the client of reception obtains in storage part 20 storages.
Then, when the transaction of the cumulative integral that can use client to obtain, the integration service picture 1301 that client operating display part 11 is shown in Figure 13 according to the indicated number of Integral Processing portion 221.This integration service picture 1301 is by constituting with the lower part: by " available integration is 30P.(service charge subtracts 315 Yen) please select the transaction of available integration." information 1302 of the cumulative integral that constitutes of the statement that waits and " extraction " button 1303, " depositing in " button 1304, " inquiry into balance " button 1305, " savings " button 1306, " cancellation " button 1307 etc.
By " available integration is 30P." statement show that client's cumulative integral is 30 minutes, and can accept to subtract the service of 315 Yen of service charges by the statement demonstration of " (service charge subtracts 315 Yen) " by available integration.And, by " selecting the transaction of available integration." statement impel client's option dealing.
On the other hand, when the transaction of the cumulative integral that can not use client to obtain, the integration service picture 1401 that client operating display part 11 is shown in Figure 14 according to the indicated number of Integral Processing portion 221.This integration service picture 1401 is by constituting with the lower part: by " available integration is 30P.(service charge subtracts 315 Yen) current transaction that does not have available integration." information 1402 of the cumulative integral that constitutes of the statement that waits; By " asking option dealing during continuous business without integration." client that constitutes of the statement that waits induces 1403; And " extraction " button 1303, " depositing in " button 1304, " inquiry into balance " button 1305, " savings " button 1306, " cancellation " button 1407 etc.
By " available integration is 30P." statement show that client's cumulative integral is 30 minutes, and can accept to subtract the service of 315 Yen of service charges by the statement demonstration of " (service charge subtracts 315 Yen) " by available integration.And, by " the current transaction that does not have available integration." the statement transaction of notifying client not have available integration, and by " asking option dealing during continuous business without integration." statement induce client to select the transaction that can carry out without integration.
Here, could use the judgement of the transaction of the cumulative integral that client obtains, whether the service charge of the exchange's need that carry out in the cumulative integral that obtains by client relatively and the automatic trading apparatus 1 exists the transaction that can bear service charge with cumulative integral to carry out.Also have, the service charge that the exchange that carries out in this automatic trading apparatus 1 needs changed along with transaction content or period of concluding the business etc.
S6c: when client's continuous business, press " extraction " button 1303, " depositing in " button 1304, " inquiry into balance " button 1305, " savings " button 1306 and wait option dealing.In the present embodiment, the situation of pressing " depositing in " button 1304 is described.
On the other hand, when not transacting business, press " cancellation " button 1307 and finish the integration service transacting.At this moment, card division 12 card that will insert is return to client and is closed the trade.
S7c: selected to deposit in transaction if client presses " depositing in " button 1304, then client will deposit destination financial institution name in, deposit the destination in and divide trade name, deposit information that the exchange of destination symbolization of accounts etc. needs in from 11 inputs of client operating display part.
S8c: judge the transaction whether can use the cumulative integral that client obtains.This judgement is identical with the judgement of carrying out in S5c.
S9a: if judge the transaction can use the cumulative integral that client obtains and detect and press " use integration " button 44 and " affirmations " button 46, then client operating display part 11 is imported picture 51 according to the indicated number of Integral Processing portion 221 mark shown in Figure 5.This mark input picture 51 is by constituting with the lower part: the statement of " PLSCONFM content " etc.; That imports among the S5a deposits destination financial institution name in, deposits the transaction content 52 that the destination is divided trade name, deposited destination symbolization of accounts, service charge etc. in; " please import employed mark." statement that waits and " 1 " of importing employed mark arrives " 9 " and reach the digital button of " 0 " and show the integration input 53 that the zone 54 of the mark of input constitutes; " affirmation " button 55 and " cancellation " button 56 etc.
Client presses the integration of having imported when digital button that " 1 " to " 9 " reach " 0 " has been imported employed integration and shows in the zone 54 of flashing.Zone 54 at the mark that shows input when for example, client has imported " 3 " and " 0 " shows " 30P ".
Behind the employed integration of input, client presses " affirmation " button 55.If accept should " affirmations " button 55 press, then the cumulative integral of Integral Processing portion 221 client's acquisition of storing from storage part 20 deducts the mark of input.In the present embodiment, 30 minutes the result who deducted use in 30 minutes of the integration that obtains from client, the cumulative integral that client obtains becomes 0 fen.
On the other hand, if judge the transaction to use the cumulative integral that client obtains, then handle and transfer to S10c.
S10c: Integral Processing portion 221 is selected according to client and the transaction content of input generates the transaction text, sends to principal computer 3.For example, when accept using the service of integration, the transaction text is by depositing the amount of money in, deposit destination financial institution in, deposit the branch, destination in, depositing the information etc. that destination symbolization of accounts etc. and expression subtract service charge in and constitute.In addition, when not accepting to use the service of integration, the transaction text is by depositing the amount of money in, deposit destination financial institution in, deposit the branch, destination in, depositing the information etc. that destination symbolization of accounts etc. and expression do not subtract service charge in and constitute.
S11c～S18c: identical with S11a～S18a of Fig. 3 and omit its explanation.
Client concludes the business in automatic trading apparatus 1 like this.
Also have, in the present embodiment, put down in writing every selection and once " do not printed detailed ticket " and just on cumulative integral, add 5 fens, but be not limited to 5 fens, can be any integration.
In addition, having put down in writing and having deposited service charge in is 315 Yen, but is not limited to 315 Yen.And the transaction that service charge takes place is not limited to deposit in transaction, also can be the transaction of extracting cash etc.
And, be not documented in the above-mentioned transaction occasion of abort transactoin midway especially, but suitable display suppression button etc. and by selecting abort transactoin.At this moment, return the card that inserts to client and close the trade.
As described above, in embodiment 3, not only obtain the effect of embodiment 1, and obtain can making client before the transaction of wishing, confirm the effect of integration by integration inquiry transaction is set.
Claims (7)
1. automatic trading apparatus is accepted the Transaction Information imported by client operating at the client operating display part, and sends the transaction text of consignment trade and conclude the business to epigyny device based on this Transaction Information, it is characterized in that:
Be provided with Integral Processing portion, the account information that receives the symbolization of accounts that reads with card from client etc. from epigyny device is the cumulative integral of storage in advance explicitly, can deduct the suitable integration of derating of the transaction service charge of selecting with this client from this cumulative integral, when deducting, the text of the cumulative integral after notifying this to deduct and the transaction text that comprises the information of paying less easy service charge are sent to epigyny device
To pay less the transaction of easy service charge.
2. automatic trading apparatus as claimed in claim 1 is characterized in that:
Be provided with selection and will do not print the detailed ticket of the detailed ticket of the transaction content that is undertaken by client operating and will not select picture,
When described detailed ticket will not selected to have selected in the picture not, on described cumulative integral, add predetermined integral, will notify the text of the cumulative integral after this addition to send to epigyny device.
3. as claim 1 or the described automatic trading apparatus of claim 2, it is characterized in that:
Be provided with the service charge derating that selection will not deduct the transaction service charge that client carries out and will do not select picture,
Select to subtract the transaction of service charge by client.
4. as claim 1, claim 2 or the described automatic trading apparatus of claim 3, it is characterized in that:
Be provided with the cumulative integral notice picture of demonstration from the cumulative integral of described epigyny device reception,
Show described cumulative integral notice picture.
5. automatic trading apparatus as claimed in claim 4 is characterized in that:
Be provided with at described cumulative integral notice picture and select cash withdrawal or to deposit in to wait the transaction selector button of concluding the business,
Accept the selection of described transaction selector button and conclude the business.
6. as claim 1, claim 2 or the described automatic trading apparatus of claim 3, it is characterized in that:
Be provided with and show the picture have or not the transaction that can use the cumulative integral that receives from described epigyny device,
Show described picture.
7. automated trading system, possess by client operating accept Transaction Information input automatic trading apparatus and receive the transaction text of consignment trade and the principal computer of approve transactions based on the Transaction Information of this input from automatic trading apparatus, it is characterized in that:
Principal computer is provided with customer database, store the cumulative integral that the automatic trading apparatus of the detailed ticket of the transaction content that has carried out from having selected not print client operating receives indication and upgraded explicitly with the account information of this client's symbolization of accounts etc. in this database
Receive the principal computer of the account information that the card by client reads from automatic trading apparatus, send to automatic trading apparatus according to the described customer database of this account information retrieval and with the cumulative integral of extracting out, the Integral Processing portion of this automatic trading apparatus can deduct the suitable integration of derating of the transaction service charge of selecting with this client from the cumulative integral that receives, when deducting, the text of the integration after notifying this to deduct and the transaction text that comprises the information of paying less easy service charge are sent to this principal computer, this principal computer upgrades this client's cumulative integral according to the text that receives, permission simultaneously will conclude the business the service charge derating transaction and conclude the business.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2005273897A JP4876499B2 (en) | 2005-09-21 | 2005-09-21 | Automatic transaction equipment |
| JP2005273897 | 2005-09-21 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1936979A true CN1936979A (en) | 2007-03-28 |
Family
ID=37954467
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200610151806 Pending CN1936979A (en) | 2005-09-21 | 2006-09-05 | Automatic trade apparatus and automatic trade system |
Country Status (3)
| Country | Link |
|---|---|
| JP (1) | JP4876499B2 (en) |
| CN (1) | CN1936979A (en) |
| TW (1) | TWI402774B (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017128369A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Prompting method based on credit card bonus point matching and smart prompting system |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP5243299B2 (en) * | 2009-02-24 | 2013-07-24 | 富士通フロンテック株式会社 | Automatic transaction apparatus and automatic transaction method |
| JP6342362B2 (en) * | 2015-05-01 | 2018-06-13 | 株式会社ライズ・アップ | Free bend control system |
| WO2017128368A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Information pushing method during credit card bonus point monitoring, and intelligent prompting system |
| WO2017128367A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Data acquisition method for credit card bonus point monitoring technology, and prompting system |
| JP2018180878A (en) * | 2017-04-12 | 2018-11-15 | 株式会社 ゆうちょ銀行 | Automatic cash transaction apparatus, information processing apparatus, system, method, and program thereof |
Family Cites Families (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW280881B (en) * | 1994-07-04 | 1996-07-11 | Oki Electric Ind Co Ltd | |
| JPH08101947A (en) * | 1994-09-30 | 1996-04-16 | Oki Electric Ind Co Ltd | Method and system for adjusting working assets of automatic transaction device |
| TW272267B (en) * | 1994-11-22 | 1996-03-11 | Oki Electric Ind Co Ltd | Automatic teller machine device managing system |
| TW440800B (en) * | 1998-06-15 | 2001-06-16 | Daniel Ian Flitcroft | Credit card system and method |
| JP2000322657A (en) * | 1999-05-11 | 2000-11-24 | Fujitsu Ltd | Automatic point service processing system, point card issuing processing method and point card |
| JP2001134807A (en) * | 1999-11-01 | 2001-05-18 | Hitachi Ltd | Automatic cash transaction device |
| JP2001250150A (en) * | 2000-03-02 | 2001-09-14 | Hitachi Ltd | Successive transaction system |
| JP2003132396A (en) * | 2001-10-26 | 2003-05-09 | Oki Electric Ind Co Ltd | Automatic cash transaction device and its program |
| JP2005108130A (en) * | 2003-10-02 | 2005-04-21 | Dainippon Printing Co Ltd | Method and system for providing point to bank users |
| JP4314957B2 (en) * | 2003-10-06 | 2009-08-19 | 富士通株式会社 | POS device and POS device program |
| JP2005190056A (en) * | 2003-12-25 | 2005-07-14 | Oki Electric Ind Co Ltd | Automatic teller machine |
-
2005
- 2005-09-21 JP JP2005273897A patent/JP4876499B2/en not_active Expired - Fee Related
-
2006
- 2006-08-16 TW TW95130042A patent/TWI402774B/en not_active IP Right Cessation
- 2006-09-05 CN CN 200610151806 patent/CN1936979A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017128369A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Prompting method based on credit card bonus point matching and smart prompting system |
Also Published As
| Publication number | Publication date |
|---|---|
| JP2007087010A (en) | 2007-04-05 |
| TW200737051A (en) | 2007-10-01 |
| JP4876499B2 (en) | 2012-02-15 |
| TWI402774B (en) | 2013-07-21 |
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