JP2000149097A - Automatic transaction device and control method therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable reservation of transfer in a transfer transaction by using an automatic transaction device, such as an automatic teller machine(ATM) to be operated by a large number of unspecified users. SOLUTION: For the ATM for executing various kinds of transactions including the transfer transaction desired by the user, this device is provided with a transfer transaction content selecting means S4 for making the user select either processing on the immediate date or processing on the designated date, transfer transaction date designating and confirming means S5 for making the user designate S4 the date to execute the transfer transaction and clearly confirming the date to execute the transfer transaction, when the user selects the processing on the designated date through the transfer transaction content selecting means S4, and transfer content transmitting means for transmitting the contents of the transfer transaction to a center, when the date for the user to execute the transfer transaction is confirmed by the transfer transaction date designating and confirming means S5.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic teller machine such as an automatic teller machine installed in a financial institution such as a bank and operated by an unspecified number of users. BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus capable of making a transfer reservation in a transfer transaction by the apparatus and a control method thereof.

[0002]

2. Description of the Related Art In recent years, financial institutions such as banks have been introducing automatic teller machines for automatically performing various transactions, and quick services have been provided to users.

Such an automatic teller machine (hereinafter referred to as ATM)
When the user executes a transfer transaction, the transaction is processed immediately at the time of the transaction or at a time when the bank can handle the transfer transaction.

[0004]

However, there are the following problems when performing a transfer transaction using the conventional ATM as described above.

[0005] (1) At the time of transfer, it is necessary to execute a transfer transaction at the ATM itself (the transfer cannot be reserved).

(2) A transfer amount (including a commission) is required at the time of performing a transfer transaction (immediate settlement).

(3) Transfer transactions concentrate on a specific date and time, such as the end of the month, causing congestion.

In view of the above, the present invention has been made in view of the above points. For example, the present invention relates to an automatic teller machine installed in a financial institution such as a bank and operated by an unspecified number of users. By making it possible to reserve the transfer in the transfer transaction by the automatic transaction device, (1) there is no need to actually execute the transfer transaction at the ATM itself at the time of the transfer, (2) the transfer Transfer amount (including fees) at the time of booking
(3) The purpose of the present invention is to provide an automatic transaction apparatus and a control method thereof in which transfer transactions are not concentrated on a specific date and time such as the end of a month and congestion is reduced. I do.

[0009]

According to the present invention, as means for solving the above problems, there are provided (1) an automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, When processing the transfer transaction, the transfer transaction content selection means for allowing the user to select between the same day processing and the processing on the designated date, and the transfer transaction content selection means, whereby the user performs the processing on the designated date. When the user selects the transfer transaction date designation confirmation means for prompting the user to specify the date on which the transfer transaction is to be performed and explicitly confirming the date on which the transfer transaction is to be performed; and Transfer transaction contents transmitting means for transmitting the contents of the transfer transaction to the center when the user confirms the date on which the transfer transaction is to be performed by the designation confirmation means. Is provided.

According to the present invention, as means for solving the above problems, there are provided (2) an automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, The transfer transaction content selection means for allowing the user to select between processing on the same day or processing on a specified date, and the user selecting processing on the specified date by the transfer transaction content selection means. To
The user is required to specify a date on which the transfer transaction is to be performed, and the transfer transaction date designation confirmation means for explicitly confirming the date on which the transfer transaction is performed, and the transfer transaction date designation confirmation means, When the user confirms the date on which the transfer transaction is to be performed, the transfer transaction content confirmation means for allowing the user to clearly confirm the content of the transfer transaction, and the transfer transaction content confirmation means,
When the user confirms the contents of the transfer transaction, an automatic transaction device is provided, which comprises: a transfer transaction content transmitting means for transmitting the contents of the transfer transaction to a center.

According to the present invention, as means for solving the above problems, there is provided (3) an automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user. The transfer transaction content selection means for allowing the user to select between processing on the same day or processing on a specified date, and the user selecting processing on the specified date by the transfer transaction content selection means. To
The user is required to specify a date on which the transfer transaction is to be performed, and the transfer transaction date designation confirmation means for explicitly confirming the date on which the transfer transaction is performed, and the transfer transaction date designation confirmation means, When the user confirms the date on which the transfer transaction is to be performed, the transfer transaction content confirmation means for allowing the user to clearly confirm the content of the transfer transaction, and the transfer transaction content confirmation means,
When the user confirms the contents of the transfer transaction, the transfer transaction content transmitting means for transmitting the contents of the transfer transaction to the center, and the transfer transaction date designation confirmation means, the user executes the transfer transaction. If you check the date
An automatic transaction apparatus is provided to the user, comprising: a transfer transaction details slip issuing means for issuing a statement on which the details of the transfer transaction are printed.

Further, according to the present invention, as means for solving the above problems, there is provided (4) an automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, The transfer transaction content selection means for allowing the user to select between processing on the same day or processing on a specified date, and the user selecting processing on the specified date by the transfer transaction content selection means. To
The user is required to specify a date on which the transfer transaction is to be performed, and the transfer transaction date designation confirmation means for explicitly confirming the date on which the transfer transaction is performed, and the transfer transaction date designation confirmation means, When the user confirms the date on which the transfer transaction is to be carried out, a transfer transaction content transmitting means for transmitting the content of the transfer transaction to the center, and a passbook which the user brings after the designated transfer date. An automatic transaction apparatus comprising: a transfer processing result printing unit that prints a result of the transfer processing by designating the transfer date and returns the result to the user.

According to the present invention, as means for solving the above problems, there is provided (5) an automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user. At the time of processing, the transfer transaction content selection means for allowing the user to select between the same day processing or processing on a designated date for each transfer transaction, and the transfer transaction content selection means, In the case where the process on the designated date is selected for each transfer transaction, the user is required to specify the date on which the transfer transaction is to be performed for each transfer transaction, and the date on which the transfer transaction is to be performed is specified When the user confirms the date on which the transfer transaction is to be carried out for each transfer transaction, A transfer transaction content transmitting means for transmitting the contents of the transfer transaction to the center, and a result of the transfer processing by the transfer date designation for each transfer transaction for the passbook brought by the user after the designated transfer date And a transfer processing result printing unit that prints out and returns to the user.

According to the present invention, there is provided, as a means for solving the above problems, (6) a method for controlling an automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, When processing a transaction, the step of allowing the user to select between processing on the same day or processing on a specified date, and, when the user selects processing on a specified date, A step of allowing the user to specify the date on which the transfer transaction is to be performed and explicitly confirming the date on which the transfer transaction is to be performed; and, if the user has confirmed the date on which the transfer transaction is to be performed, the content of the transfer transaction. And transmitting the information to a center.

According to the present invention, there is provided (7) a method for controlling an automatic teller machine for executing various transactions including a transfer transaction desired by a user, wherein When processing a transaction, the step of allowing the user to select between processing on the same day or processing on a specified date, and, when the user selects processing on a specified date, A step of allowing the user to specify the date on which the transfer transaction is to be performed, and explicitly confirming the date on which the transfer transaction is to be performed, and when the user confirms the date on which the transfer transaction is to be performed, And the step of transmitting the contents of the transfer transaction to the center when the user confirms the contents of the transfer transaction. A method for controlling an automatic transaction apparatus is provided.

According to the present invention, there is provided (8) a method for controlling an automatic teller machine for executing various transactions including a transfer transaction desired by a user, wherein When processing a transaction, the step of allowing the user to select between processing on the same day or processing on a specified date, and, when the user selects processing on a specified date, A step of allowing the user to specify the date on which the transfer transaction is to be performed, and explicitly confirming the date on which the transfer transaction is to be performed, and when the user confirms the date on which the transfer transaction is to be performed, Transmitting the contents of the transfer transaction to a center when the user confirms the contents of the transfer transaction; and Issuing a statement on which the details of the transfer transaction are printed to the user when confirming the date on which the transfer transaction is to be performed. A method is provided.

According to the present invention, there is provided (9) a method of controlling an automatic teller machine for executing various transactions including a transfer transaction desired by a user, wherein When processing a transaction, the step of allowing the user to select between processing on the same day or processing on a specified date, and, when the user selects processing on a specified date, A step of allowing the user to specify the date on which the transfer transaction is to be performed and explicitly confirming the date on which the transfer transaction is to be performed; and, if the user has confirmed the date on which the transfer transaction is to be performed, the content of the transfer transaction. Transmitting the result of the transfer process by the transfer date designation to the passbook carried by the user after the designated transfer date, and returning the result to the user. A method for controlling an automatic transaction apparatus is provided.

According to the present invention, there is provided, as a means for solving the above problems, (10) a method for controlling an automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, When processing a plurality of transactions, for the user, whether to process the same day for each transfer transaction,
A step of selecting whether to perform the processing by a designated date; and when the user selects the processing by a designated date for each transfer transaction, the user performs the transfer transaction for each transfer transaction. As well as the date
A step of explicitly confirming the date on which the transfer transaction is performed, and a step of transmitting the content of the transfer transaction to the center when the user confirms the date on which the transfer transaction is performed for each transfer transaction. And printing the result of the transfer process by the transfer date designation for each transfer transaction on the passbook brought by the user after the designated transfer date and returning the result to the user. The control method of the automatic transaction device characterized by the above is provided.

[0019]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows an example of the above-mentioned automatic transaction apparatus according to an embodiment of the present invention, which is installed in a bank office, deposits, withdraws, transfers, transfers, balances, passbook entries, address changes, etc. It is a figure which shows roughly the external appearance of the automatic teller machine which can perform the transaction of FIG.

FIG. 2 is a block diagram schematically showing the overall configuration of the automatic transaction apparatus described above.

In FIG. 1, a substantially L-shaped customer service operation section 2 is formed on the front surface of the automatic transaction apparatus housing 1.

On the horizontal surface of the customer service operation section 2, a large number of bills can be collectively inserted, and the bill opening 3, which has an openable and closable lid, and collectively receives discharged bills. A coin slot 4 having an openable and closable lid is provided for receiving a number of coins that can be thrown in at once while allowing a large number of coins to be thrown in at once.

On the horizontal surface of the customer service operation unit 2, there is provided a rectangular transparent touch panel 5 through which predetermined information can be inputted by touching the surface with a finger. A color liquid crystal display device 6 having a display screen of a shape is provided.

The touch panel 5 is, for example, a transparent touch screen which is used by being superimposed on the display screen of the liquid crystal display device 6. This is detected by a change in capacitance, shielding of infrared rays, or shielding of ultrasonic waves.

The touch panel 5 has a liquid crystal display 6
, A change in power may be detected, and the touched position may be determined by a predetermined calculation.

The liquid crystal display device 6 displays the operation guide procedure and other information in color on the screen in the form of characters, words, illustrations or image information to guide the user's operation and input various information necessary for the transaction. Various operation keys such as numbers, katakana characters, English characters, etc. are displayed, and by touching a segment of the touch panel 5 corresponding to the displayed operation keys with a finger, a desired key input (input of various information, etc.) is performed. ) Can be performed.

On the vertical surface of the customer service operation unit 2, a magnetic card as a transaction medium on which a personal identification number, an account number, and the like are recorded, or a transfer ticket for a transfer transaction, and a receipt (printing transaction details) are printed. A card slot 8 for discharging a statement slip, a passbook slot 9 for receiving a magnetic passbook as a transaction medium, and a speaker 10 for voice guidance to a user are provided.

On the other hand, inside the housing 1, a card reader / receipt printer unit 11 corresponding to the card slot 8,
A passbook printer unit 12 corresponding to the passbook opening 9, a bill receiving / dispensing unit 13 corresponding to the bill opening 3, a coin receiving / dispensing unit 14 corresponding to the coin opening 4, a touch panel type customer service unit 7 including the touch panel 5 and the liquid crystal display device 6, A control unit 15 for controlling the apparatus is provided.

Next, an overall configuration of the automatic transaction apparatus 301 will be described with reference to FIG.

The automatic transaction apparatus 301 includes a card reader / receipt printer unit 11, a passbook printer unit 1
2, banknote deposit / withdrawal unit 13, coin deposit / withdrawal unit 1
4. Touch panel type customer service unit 7, voice guidance unit 16, internal monitor 17, storage unit 18, floppy disk device 19, transmission control unit 20, main control unit 21, power supply unit 22 for supplying operating power to these units, etc. Is done.

The touch panel type customer service unit 7 includes the touch panel 5 and the liquid crystal display 6 as described above.

The card reader / receipt printer unit 11 reads or writes data on a magnetic card as an ID card or a magnetic stripe of a transfer ticket as a user authentication medium received from the card slot 8.

The card reader / receipt printer unit 11 issues a receipt on which the details of the transaction are printed,
It is discharged from the card slot 8.

The passbook printer unit 12 reads or writes data on the magnetic stripe of the passbook received from the passbook opening 9, and prints the passbook as necessary.

The banknote pay-in / pay-out unit 13 receives, discriminates, counts, and stores the banknotes put into the banknote slot 3 all at once, and if necessary, takes out a predetermined number of banknotes stored in a safe beforehand. And pay out all at once from the bill slot 3.

The coin receiving / dispensing unit 14 receives, discriminates, counts and stores coins which have been put into the coin slot 4 all at once, and if necessary, takes out a predetermined number of coins previously stored in the safe. And pay it out from the coin slot 4 in a lump.

The voice guidance unit 16 outputs voice for guiding various operations in the automatic transaction apparatus to the speaker 10 according to the situation.

The internal monitor 17 informs a person in charge of the operation of the apparatus of the state of the apparatus and inputs an operation instruction by the person in charge. When an abnormality occurs in the apparatus, a buzzer or the like is used. The notification is made by using the sounding means of the above.

The storage unit 18 is used to store various data, stores a program of a processing procedure related to the operation of the apparatus, records various kinds of information to be provided for transactions, records transactions, and operates the apparatus. Data for recording the situation is stored.

The floppy disk device 19 stores various information of a financial institution necessary for the transfer transaction, for example, a data file in which bank names (in some cases, branch names) as financial institution names are stored in alphabetical order. ing.

The transmission control unit 20 is connected online via a communication line 23 to a host computer 24 as an upper model that stores a deposit ledger of the center, and communicates with the host computer 24 as necessary. It has become.

The main control unit 21 controls the units 7, 11 to 14, 16, the floppy disk device 19, and the transmission control unit 20 based on a program in the storage unit 18 to receive, withdraw, transfer, or the like. , A predetermined transaction operation is performed.

The power supply section 22 usually converts an input commercial AC voltage into a DC voltage and supplies it to each section as an operation power supply.

Note that the power supply unit 22 operates when a power failure occurs.
A battery (not shown) for supplying an operation power supply instead of the commercial AC voltage is provided, and is charged as necessary by a charging circuit (not shown).

Next, of the transaction processing in the automatic transaction apparatus as described above, particularly, the transfer processing will be described.

FIG. 3 is a flow chart showing a procedure of a transfer process among the transaction processes in the automatic transaction apparatus as described above.

That is, FIG. 3 is a flowchart particularly showing a transfer process in a specific transaction process using an ID card for user authentication with respect to the automatic cash transaction apparatus. A specific processing operation of the device will be described.

First, the user selects a type of transaction on a transaction selection screen (not shown) of the touch panel service unit 7 (step S1).

Then, the transaction process is selected by the user (here, the case where the transfer process is selected will be described).
And a screen (not shown) prompting the user to insert an ID card and input a personal identification number.
(Step S2).

In response, the magnetic information of the inserted ID card is read by the card reader / receipt printer unit 11.

Thereafter, when the user inputs a personal identification number, it is checked whether the password is correct.

In the present invention, when the transfer process is selected (step S3), the transfer process content is selected (step S3).
When the transfer transaction is performed as 4), the user is allowed to select whether to process immediately or to process on a specified date (step S4 ′). If the process on the specified date is selected, the user is transferred. The user is required to specify the date of the transfer, and the user is required to explicitly confirm the date of the transfer (step S5). Then, the user is allowed to specify the amount and the transfer destination (step S6). Is configured to explicitly indicate whether or not the transfer has been executed.

FIG. 4 shows a transfer processing content selection screen (step S4) by the touch panel type customer service unit 7, which clearly shows that the user can select a transfer execution date on the transfer processing day selection guidance message 100. I do.

As a result, the user presses the today's transfer selection button 111 in the case of processing with today's date.

In this case, the transfer transaction is the same as the conventional one, but when the user presses the designated date transfer selection button 112, the touch panel type customer service unit 7 shifts to a transfer processing date designation screen (step S5) shown in FIG. .

The user designates a transfer processing date on the transfer processing date designation screen shown in FIG.

That is, FIG. 5 is a screen for a transfer processing date input / confirmation screen guidance message, in which the operation contents are clearly shown to the user by a transfer processing date input / confirmation guidance message 200.

The user operates the touch panel service unit 7
The processing date can be input or corrected by the processing date input / correction button 222 on the screen shown in FIG. 6, and the input processing date is indicated to the user at the processing date display portion 221.

Further, the user can determine the input processing date by pressing the processing date confirmation button 223.

After the processing date confirmation button 223 is pressed, the user is allowed to specify the amount and the transfer destination (step S6), and the process transits to the same processing as after pressing the today's transfer selection button 111 in FIG. I do.

FIG. 6 shows a transfer content confirmation screen by the touch panel type customer service unit 7.
0, specify the transfer date 310.

Here, the transfer date 310 is displayed only when the designated date transfer selection button 112 is pressed in FIG. 4, and is not displayed when the today's transfer selection button 111 is pressed.

On the other hand, the transfer destination contents 300 are also displayed when one of the designated date transfer selection button 112 and today's transfer selection button 111 in FIG. 4 is pressed.

After the user confirms the transfer destination contents 300 and the transfer date 310 displayed here, the customer presses the confirmation button 320
When the button is pressed, the process moves to the next process.

That is, after the transfer date is input and confirmed, or when the transfer date is not specified in the transfer date specification in step S4, the transmission and reception of the inquiry message executed with the host computer 24 is performed similarly to the related art. After step S7), the process transits to transfer content confirmation (step S8).

After confirmation of the transfer contents (step S8), after transmission and reception of an executable message to be executed with the host computer 24 (step S9), a transition is made to statement printing (step S10).

FIG. 7 shows that the card reader / receipt printer unit 11 is used to print the statement slip (step S10).
This is a copy of the transfer date when the transfer date is specified, and the date, the branch, the machine number,
The processing number and transaction name are shown.

Further, the transfer destination designated by the transfer information 410 and the date on which the transfer is performed by the transfer method 420 are indicated.

The user can confirm the date on which the transfer is performed by the transfer method 420, which is evidence that the transfer has been performed.

If the transfer date is not specified in the transfer date specification in step S4, a statement slip is printed in the same manner as in the related art.

Then, a statement slip is printed (step S10).
Later or at the same time, the ID card (medium) is returned to the user, and when the user receives it, a series of transfer processing ends (step S11).

When the transfer date is designated, after the designated transfer date, the result of the transfer process by the transfer date designation is printed on the passbook carried by the user and returned to the user, whereby The result of the transfer process by designating the transfer date is specified for.

FIG. 8 shows a passbook print result when the transfer date is designated by the passbook printer unit 12, and items to be printed in each column at the heading 500 of the passbook page will be described.

The first transfer date designated transaction 510 is
This is a print indicating that a transfer of 1 million yen will be made on October 5, 2008.

The customer can confirm from this printing that the transfer transaction has been reserved.

The second transfer date designation transaction 520 is
Indicates that a transfer of 5 million yen will be made on October 6, 2008.

Processing Result 530 of First Transfer Date Designated Transaction
Indicates that the transfer transaction reserved in the first transfer date designation transaction 510 was processed on October 5, 1998, and the transaction was completed.

Thus, the user can confirm that the reserved transfer transaction has been made.

Further, the processing result 5 of the second transfer date designated transaction
Reference numeral 40 indicates that the transfer transaction reserved in the second transfer date designation transaction 520 was processed on October 6, 1998, and the transaction failed.

Thus, the user can confirm that the reserved transfer transaction could not be processed.

As described above, according to the present invention, the transfer transaction can be processed on the date designated by the user with the automatic transaction device, and (1) the reservation of the transfer transaction can be made.

(2) When transferring funds from an account fund, it is possible to transfer funds equal to or larger than the account balance.

(3) In the case of a cash transfer, there is no transfer of funds until the transfer is performed, so that the regular funds are increased.

(4) Transfer transactions do not concentrate on a specific date,
It leads to congestion relief.

There are the following effects.

The present invention described in the above embodiments includes the following inventions.

(1) Convenience is improved by applying for a transfer transaction to be executed by the automatic teller machine in advance.

(2) Specifying the date and time at which a plurality of transfer transactions are to be performed by the automatic teller machine has the same effect as performing a plurality of transfer transactions at the specified date and time.

(3) By specifying the date on which the transfer transaction is to be performed by the automatic teller machine, the transfer transaction can be performed on the specified date.

[0091]

Therefore, as described above, according to the present invention, for example, an automatic transaction apparatus such as an automatic teller machine installed in a financial institution such as a bank and operated by an unspecified number of users. (1) When the transfer is actually made, there is no need to perform the transfer transaction at the ATM itself.
(2) Transfer amount (including fees) at the time of making a transfer reservation
(3) It is possible to provide an automatic transaction apparatus in which transfer transactions are not concentrated at a specific date and time such as the end of the month and congestion is alleviated, and a control method thereof.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating an example of the automatic transaction apparatus according to an embodiment of the present invention, which is installed in a bank office, deposits, withdraws, transfers, transfers, balances, enters a passbook, and changes addresses. It is a figure which shows roughly the external appearance of the automatic teller machine which can perform transactions, such as.

FIG. 2 is a block diagram schematically showing an overall configuration of an automatic transaction apparatus according to one embodiment of the present invention.

FIG. 3 is a flowchart showing a procedure of a transfer transaction process in the automatic transaction apparatus according to one embodiment of the present invention.

FIG. 4 is a transfer processing content selection screen (step S4) by the touch panel service unit 7.

FIG. 5 is a transfer processing date designation screen by the touch panel service unit 7 (step S5).

FIG. 6 is a transfer content confirmation screen by the touch panel service unit 7.

FIG. 7 is a copy slip when the transfer date is designated, which is printed by the card reader / receipt printer unit 11;

FIG. 8 shows a passbook print result when a transfer date is designated by the passbook printer unit 12;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... housing | casing, 2 ... customer service operation part, 3 ... bill slot, 4 ... coin slot, 5 ... touch panel, 6 ... color liquid crystal display device, 7 ... touch panel type customer service unit, 8 ... card slot, 9 ... passbook slot, 10 ... Speaker, 11 ... Card reader / receipt printer unit, 12 ... Passbook printer unit, 13 ... Bill deposit / dispense unit, 14 ... Coin deposit / dispense unit, 15 ... Control unit, 16 ... Sound guide unit, 17 ... Internal monitor, 18 ... Storage unit, 19: Floppy disk device, 20: Transmission control unit, 21: Main control unit, 22: Power supply unit, 23: Communication line, 24: Host computer, 100: Transfer processing date selection guidance message 111: Today's transfer selection button Reference numeral 112: Designated date transfer selection button · Correction button, 223: Processing date confirmation button, 300: Transfer destination content, 310: Transfer date, 320: Confirmation button, 400: Transaction information, 410: Transfer information, 420: Transfer method, 500: Heading of passbook page, 510 … First transfer date designated transaction, 520… Second transfer date designated transaction, 530… Processed result of first transfer date designated transaction, 540… Processed result of second transfer date designated transaction.

Claims (10)

[Claims] Claims 1. An automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed by the same day processing or a designated date. A transfer transaction content selecting means for selecting whether to perform processing, and when the user selects a process on a designated date by the transfer transaction content selecting means,
The transfer transaction date designation confirming means for specifying the date on which the transfer transaction is to be performed, and explicitly confirming the date on which the transfer transaction is to be performed. An automatic transaction apparatus comprising: a transfer transaction content transmitting means for transmitting the content of the transfer transaction to a center when a date to be executed is confirmed. 2. An automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed by the same day processing or a designated date. A transfer transaction content selecting means for selecting whether to perform processing, and when the user selects a process on a designated date by the transfer transaction content selecting means,
The transfer transaction date designation confirming means for specifying the date on which the transfer transaction is to be performed, and explicitly confirming the date on which the transfer transaction is to be performed. A transfer transaction content confirming means for allowing the user to clearly confirm the contents of the transfer transaction when confirming the date to be executed; and An automatic transaction apparatus, comprising: a transfer transaction content transmitting means for transmitting the content of the transfer transaction to the center when the content is confirmed. 3. An automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed by the same day processing or by a designated date. A transfer transaction content selecting means for selecting whether to perform processing, and when the user selects a process on a designated date by the transfer transaction content selecting means,
The transfer transaction date designation confirming means for specifying the date on which the transfer transaction is to be performed, and explicitly confirming the date on which the transfer transaction is to be performed. A transfer transaction content confirming means for allowing the user to clearly confirm the contents of the transfer transaction when confirming the date to be executed; and When the contents are confirmed, the transfer transaction contents transmitting means for transmitting the contents of the transfer transaction to the center, and the transfer transaction date designation confirmation means, when the user confirms the date on which the transfer transaction is performed, An automatic transaction apparatus, comprising: a transfer transaction details slip issuing means for issuing a statement on which the details of the transfer transaction are printed to the user. 4. An automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed by the same day processing or by a designated date. A transfer transaction content selecting means for selecting whether to perform processing, and when the user selects a process on a designated date by the transfer transaction content selecting means,
The transfer transaction date designation confirming means for allowing the user to specify the date on which the transfer transaction is to be carried out and explicitly confirming the date on which the transfer transaction is to be carried out. A transfer transaction content transmitting means for transmitting the details of the transfer transaction to the center when the date to be executed is confirmed; and a transfer process by the transfer date designation for a passbook brought by the user after the designated transfer date And a transfer processing result printing means for printing the result of the above and returning the result to the user. 5. An automatic cash transaction apparatus for executing various transactions including a transfer transaction desired by a user, wherein when processing a plurality of the transfer transactions, the user is provided with A transfer transaction content selecting means for selecting between processing on the same day or processing on a designated date; and a method wherein the user selects the processing on the designated date for each transfer transaction by the transfer transaction content selecting means. A transfer transaction date designation confirming means for specifying a date on which the transfer transaction is to be performed for each transfer transaction, and explicitly confirming the date on which the transfer transaction is to be performed; and the transfer transaction date designation confirmation means. By means of, when the user confirms the date of performing the transfer transaction for each transfer transaction, a transfer transaction content transmitting means for transmitting the content of the transfer transaction to the center, Transfer processing result printing means for printing the result of the transfer processing by the transfer date designation for each transfer transaction on the passbook carried by the user after the designated transfer date and returning the result to the user. Automatic transaction device characterized by doing. 6. A control method of an automatic teller machine for executing various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed on the same day as the user. A step of selecting whether to perform processing on a designated date; and when the user selects processing on a designated date, the user is required to specify a date on which the transfer transaction is to be performed, and the transfer transaction is performed. An automatic transaction characterized by comprising: a step of explicitly confirming a date; and a step of transmitting the contents of the transfer transaction to a center when the user confirms a date on which the transfer transaction is performed. How to control the device. 7. A control method of an automatic teller machine for executing various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed on the same day as the user. A step of selecting whether to perform processing on a designated date; and when the user selects processing on a designated date, the user is required to specify a date on which the transfer transaction is to be performed, and the transfer transaction is performed. Explicitly confirming a date; and, when the user confirms the date on which the transfer transaction is to be performed, explicitly prompting the user to confirm the content of the transfer transaction; and A step of transmitting the contents of the transfer transaction to a center when a person confirms the contents of the transfer transaction, a control method for an automatic transaction apparatus. 8. A method for controlling an automatic teller machine that executes various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed on the same day as the user. A step of selecting whether to perform processing on a designated date; and when the user selects processing on a designated date, the user is required to specify a date on which the transfer transaction is to be performed, and the transfer transaction is performed. A step of explicitly confirming a date; and a step of, when the user confirms a date on which the transfer transaction is performed, allowing the user to clearly confirm the content of the transfer transaction; and Transmitting the contents of the transfer transaction to the center when the user confirms the contents of the transfer transaction, and responding to the user when confirming the date on which the transfer transaction is performed by the user. Te, the control method of the automatic transaction apparatus characterized by comprising the steps of: issuing a detailed statement of printing the contents of the transfer transaction, a. 9. A control method of an automatic teller machine for executing various transactions including a transfer transaction desired by a user, wherein the transfer transaction is processed on the same day as the user. A step of selecting whether to perform processing on a designated date; and when the user selects processing on a designated date, the user is required to specify a date on which the transfer transaction is to be performed, and the transfer transaction is performed. A step of explicitly confirming a date; a step of transmitting the contents of the transfer transaction to a center when the user confirms the date on which the transfer transaction is to be performed; and Printing the result of the transfer processing by designating the transfer date on the passbook to be brought back to the user and returning the result to the user. 10. A control method of an automatic teller machine for executing various transactions including a transfer transaction desired by a user, wherein when a plurality of the transfer transactions are processed, each transfer is provided to the user. A step of selecting between processing on the same day or processing on a designated date for each transaction; and, if the user selects processing on the designated date for each transfer transaction, The user specifies the date on which the transfer transaction is to be performed, and explicitly specifies and confirms the date on which the transfer transaction is to be performed, and when the user confirms the date on which the transfer transaction is to be performed for each transfer transaction. Transmitting the contents of the transfer transaction to the center; and after the specified transfer date, the transfer date specified for each transfer transaction with respect to the passbook brought by the user. Control method for automatic transaction apparatus characterized by comprising the steps of: returning to the user by printing a result of the transfer process.