JP2004199125A - Automatic teller machine, cash transaction method, and loan mediation system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system which can mediate a loan and change a payment transaction into a loan transaction, if a borrowing interest of the loan is lower than handling charge to be paid, when an ATM is used to conduct the payment transaction. <P>SOLUTION: After a user selects the payment transaction and completes input necessary for the payment transaction (Figure 2, 201) by using the ATM, the handling charge for the payment transaction is compared with the borrowing interest for dealing by the loan (Figure 5, step 402). If handling charge for the payment transaction is advantageous, an ordinary payment transaction is conducted (Figure 5, step 415), and if the borrowing interest for the dealing by the loan is advantageous, a screen for mediation to the loan is displayed (Figure 2, 205, 206), and the dealing by the payment transaction can be changed to the dealing by the loan, by the operation of the ATM by a customer who has desired the change to the dealing by the loan. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a cash transaction method, and more particularly to a method for mediating a user to use a loan in an automatic cash transaction apparatus (hereinafter, referred to as ATM) capable of depositing and withdrawing cash.
[0002]
[Prior art]
At present, as a method of borrowing from a loan company, there is a method in which a customer makes a loan contract with a loan company and borrows from the company or a partner company (bank) of the company using the ATM of the loan company. The repayment can also be made at the ATM, and the repayment is made by adding the borrowing interest to the borrowed amount. With respect to borrowing interest, if a large amount of cash is borrowed or repayment is prolonged, the borrowing interest will increase in proportion, but if a small amount of cash is borrowed and repaid in a short period of time, the interest will be small. Depending on the case, it can be several to several tens of yen. When borrowing and repaying cash at a loan company ATM, handling fees are not often collected.
[0003]
Japanese Patent Application Laid-Open No. H10-163,087 discloses a method of arranging a loan in an automatic machine or a terminal. For a customer who makes a loan contract with an automatic contract device, loan products of a plurality of financial institutions with different interest rates are displayed. There is disclosed an automatic contract device and a system that can select a loan product and contract a loan.
[0004]
[Patent Document 1]
JP 2001-229455 A (FIGS. 4-5, FIG. 8)
[0005]
[Problems to be solved by the invention]
When a customer withdraws cash from a bank account using an ATM, a predetermined handling fee is collected depending on the transaction date and time or the ATM management source. The handling fee at that time is often the same regardless of the amount of withdrawal. If the customer needs cash and the bank account has the necessary balance, it is common to withdraw cash from the bank account instead of borrowing cash from a loan company. That's because customers take for granted that if they borrow from a loan company and later pay back with borrowing interest, it would be better to withdraw cash from their bank account.
[0006]
However, depending on the conditions, there are cases where the customer pays more for borrowing from a loan company than withdrawing cash from a bank account. This is the case when the interest paid on borrowing money from a loan company and paying it down is lower than the handling fee for withdrawing from a bank account.
[0007]
When performing a withdrawal transaction at an ATM on a holiday or at night, as a general example, a handling fee of 105 yen is collected for the ATM of the own bank and 210 yen for the ATM of the other bank. There is no difference in handling fee whether the withdrawal amount is 10,000 yen or 1 million yen.
[0008]
In the case of a loan, if you borrow 1 million yen from a loan company with a borrowing rate of 18.25% in real terms, the borrowing interest will be 3,500 yen after one week's repayment and 500 yen after the next day's repayment. Although it is extremely expensive compared to the handling fee, the borrowing interest for repayment of 10,000 yen borrowing is 35 yen for repayment one week later and only 5 yen for repayment the next day.
[0009]
As a specific example, assume that a customer needs 10,000 yen at night. At this time, if a withdrawal transaction is performed at the ATM of the bank (bank), a handling fee of 105 yen will be collected, and the customer will bear 105 yen. On the other hand, borrow 10,000 yen from the ATM of the loan company at night and withdraw the 10,000 yen from the bank account at the ATM in the afternoon of the next day when the handling fee is free, and pay 10,000 yen and 5 yen of borrowing interest If repaid by the ATM of the loan company, the burden on the customer is 5 yen of borrowing interest. In other words, the former is only 5 yen for the former who paid 105 yen for the customer, and the difference of 100 yen can be obtained by using the loan skillfully.
[0010]
However, in general, there are prejudices such as "It is a loss to borrow money, despite having money," and "If you borrow money from a loan company, you will get high interest." Therefore, rather than paying a handling fee to withdraw money, it was less likely that customers would be able to earn money by making good use of the loan.
[0011]
It is an object of the present invention to provide a method in which when a user makes a withdrawal transaction from a bank account using an ATM of a loan company, if the borrowing interest when the loan is handled is lower than the handling fee for handling the withdrawal, the loan The purpose of the present invention is to provide a system and a cash transaction method for mediating changes to treatment.
[0012]
Another object of the present invention is to provide an automatic cash handling apparatus which realizes the above-mentioned loan mediation system and cash transaction method.
[0013]
[Means for Solving the Problems]
In order to achieve the above object, the loan placement system of the present invention treats a withdrawal amount entered by a customer as a loan transaction when a customer withdraws from a bank account at an ATM by comparing the handling fee for the withdrawal transaction. If the borrowing interest is cheaper when borrowing and repaying in the specified period, the handling fee when handling withdrawal transactions, the interest and repayment period when dealing with loan transactions, and the difference between them are displayed on the display means, and the loan Mediate.
[0014]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be described with reference to FIGS. 1 to 4 by taking an example of a transaction by an ATM of a company A operating a loan. FIG. 1 shows a configuration diagram of an ATM according to this embodiment. 102 is a main storage device for temporarily storing programs and data for arithmetic processing, 101 is a CPU for executing programs stored in the main storage device 102, 103 is an external storage device for storing programs and coupon information , 104 is a communication device for communicating information with the outside, 105 is a bill / coin control device for depositing / dispensing bills and coins, 106 is a card control device for carrying and reading / writing a card inserted by a customer, 107 is a statement slip This is a statement control device that performs printing and transport. Reference numeral 108 denotes a touch panel display, which includes an input device 109 for a user to input information and a display device 110 for displaying an output result to a customer. Reference numeral 111 denotes a host computer of company A, which manages information related to loan transactions and customer information such as a loan balance, a password, and personal information of a contractor. Reference numeral 112 denotes a host computer of the affiliated bank B, which manages information relating to bank transactions.
[0015]
2 and 3 show the contents of a customer input to the input device 109 and the contents of a display on the display device 110. FIG. By displaying the button on the display device 110, the customer can make a selection. When the customer touches the displayed button, the input device 109 reads that the customer has input.
[0016]
FIG. 4 is a table of information in one embodiment of the present invention. Reference numeral 301 denotes a fee table of fees for transactions with Bank B, which is stored in the host computer 112 of Bank B. The table 302 is bank card information of Bank B, and the information is stored in the IC chip of the customer card. The table 303 is the loan card information of the company A, and the information is stored in the IC chip of the customer card similarly to the table 302. The table 304 is a list of banks that can make transactions at the ATM of Company A, and is stored in the external storage device 103.
[0017]
The ATM of this embodiment is owned by the company A, and the transaction of the loan of the company A, the repayment of the loan of the company A, and the inquiry of the loan of the company A can be always used without any handling fee. In addition, bank B, which is affiliated with company A, can perform transactions, and can perform withdrawal and balance inquiry transactions. However, a handling fee in table 301 is required depending on the date and time of use. The bank number of Bank B is 0716.
[0018]
In this embodiment, Company A shall conclude a loan contract with a customer who issues a loan card in the following manner. Information that does not differ for each customer such as borrowable amount, borrowing rate, and borrowing interest It is assumed that it is stored in the external storage device 103.
(1) Amount of borrowing: 10,000 yen to 500,000 yen and lending in 1000 yen units
(2) Borrowing rate: 18.25% per annum
(3) Interest on borrowing: Balance of borrowing × borrowing rate ÷ 365 days × number of days used before repayment date (rounded down to less than 1 yen)
(4) Borrowing method: In-house ATM or window
(5) Repayment method: Repay the monthly repayment amount selected by the customer at the time of borrowing by the next contract repayment date.
(6) Repayment method: Repayment at in-house ATM or counter. If bank account automatic debit is specified, automatic debit on the contract repayment date is also possible.
(7) Contract repayment date: Select one from 1st, 10th, 20th and the end of the month at the time of contract. However, if there is a contract repayment date within 7 days from the borrowing date, excluding the borrowing date, repayment will start from the contract repayment date of the following month.
[0019]
In addition, the customer of this embodiment opens an ordinary account of Bank B at the same time when making a loan contract with Company A, and has an IC card having both a loan card and a cash card function. I do. For automatic bank account withdrawal of loan repayment means, it is assumed that the bank account with which the bank account has been opened at Bank B is designated, and the account of Bank B of the customer currently has a balance of 100,000 yen. There is no borrowing balance from the company.
[0020]
The banknotes and coins supported by this ATM are all 10,000 yen and 10,000 yen bills for withdrawal transactions and A company loan transactions, and all currencies from 1 yen coins to 10,000 yen bills for A company loan repayment transactions. Can be handled. However, the range that can be handled at a time is within 1,000,000 yen, the number of bills is 108 or less, and the number of coins is 50 or less.
[0021]
It is assumed that a customer uses ATM of Company A at 11:30 am on Sunday, October 12 to withdraw a deposit of 10,000 yen from a bank account. As shown in FIG. 2, the ATM displays a screen 201 on the display device 110 when waiting for a customer, and waits for the customer to select a transaction name. When the customer selects the selection item 01, the transaction name T is stored in the main storage device 102 as "payment".
[0022]
Next, a screen 202 is displayed to wait for the customer to insert the card. When the customer inserts the card, the card controller 106 inhales the card and reads the cash card data presence / absence information in the IC card table 302 (see FIG. 4). This value indicates whether or not there is cash card data in the IC card. 0 indicates no cash card data information and 1 indicates that there is cash card data. If the value is 0, the withdrawal transaction is not allowed and the card is returned, and the transaction is stopped. In the present embodiment, the value is 1, and trading is possible.
[0023]
Next, a bank number is acquired from the table 302, and it is determined whether or not the bank account can be handled. The value is 0716, and it is checked whether the value exists in the list of available banks in the table 304. If the value does not exist in the list, the card is returned as unhandled and the transaction is canceled. In this embodiment, transactions are possible because the values are present in the list.
[0024]
Next, the account type is acquired from the table 302, and it is determined whether or not the account type can be handled. If the value is 1, it is determined that the account is an ordinary deposit, if it is 2, it is a checking account, if it is 3, it is a time deposit, and if not, it is another deposit. In this ATM, only ordinary deposits can be handled, and if it is any other deposit account, the card will be returned as unusable and the transaction will be canceled. In this embodiment, the value is 1, and a transaction is possible.
[0025]
Next, the screen 203 is displayed to wait for the input of the personal identification number for the bank. When the customer inputs four digits of the personal identification number in the item group 02, the input content is stored in the main storage device 102.
[0026]
Next, a screen 204 is displayed to wait for the input of the withdrawal amount. When the customer inputs the disbursement amount as “1”, “10,000” and “yen” in the item group 03, the dispensation amount P is stored in the main storage device 102 as 10,000 yen.
[0027]
Next, the validity of the payment amount P is determined. The judgment contents are the following three conditions.
-Is the withdrawal amount P 1000 yen or more and 1 million yen or less?
・ Is withdrawal amount P 1000 yen unit?
-When dispensing the withdrawal amount P, is the number of dispensed less than 108?
Only if all the conditions are satisfied, the validity is determined to be valid and the process proceeds to the next step. However, if at least one of the conditions is not satisfied, the validity is determined to be invalid and the customer is requested to re-enter the withdrawal amount. In this embodiment, since all the conditions are satisfied, it is determined that there is validity and the process proceeds to the next step.
[0028]
In the prior art, the input of the customer is completed, the withdrawal permission request message is transmitted to the host computer of Bank B, and the reception of the response message is waited. In the present embodiment, it is determined whether the loan placement system can be applied before that. judge. FIG. 5 shows the processing flow.
[0029]
In step 401, the handling fee for the bank B withdrawal transaction is acquired from the table 301 (see FIG. 4). If the transaction name T is "withdrawal", the day of the transaction date and time is "Saturday, Sunday and public holidays", and the time is "9:00 to 11:59", 210 yen can be acquired as the handling fee Ca.
[0030]
In step 402, it is determined whether the handling fee Ca is more than 0 yen. If the handling fee Ca is 0 yen, the loan borrowing for which interest is collected is unconditionally disadvantageous for the customer, so that no loan placement is performed, and the process proceeds to step 415 to perform a normal withdrawal transaction. In this embodiment, since the handling fee Ca is 210 yen, the process proceeds to step 403.
[0031]
In step 403, it is determined whether the card inserted by the customer has a company A loan function. As a determination method, first, loan card data presence / absence information is acquired from the table 303 in the IC card. If the value of the loan card data presence / absence information is 0 (there is no loan card data), the card has no loan function, and the process proceeds to step 415 to perform a normal withdrawal transaction. If the value is 1, there is loan card data, so the loan company name is obtained from the table 303, and it is determined whether the value is "Company A". If it is not "Company A", the flow proceeds to step 415 as a loan card of another company, and a normal withdrawal transaction is performed. If it is "Company A", it is determined that the card has the loan function of the company A, and the flow proceeds to step 404.
[0032]
In this embodiment, the value of the loan card data presence / absence information in the table 303 is 1, and the value of the loan company name is also "Company A". In step 404, it is determined whether the withdrawal amount P is a loan borrowable amount. The condition for judging whether or not it is appropriate as the loan borrowing amount is “from 10,000 yen to 500,000 yen, and lending is possible in 1000 yen units” based on the content of the loan contract. If the withdrawal amount P is less than 10,000 yen or more than 500,000 yen, or if it is not in units of 1000 yen, it is impossible to treat it as a loan. I do. In the present embodiment, the withdrawal amount P is 10,000 yen, which satisfies the condition of 10,000 yen or more and 500,000 yen or less, and the unit of 1000 yen. At this time, the disbursement amount P is substituted for the loan borrowing amount L.
[0033]
In step 404, if the withdrawal amount P does not match the condition of the loan, the amount of the withdrawal amount P may be approximated to the loan borrowing amount to be the loan borrowing amount L, and a method of mediating the loan as much as possible may be adopted. As an example, if the withdrawal amount P is 8,000 yen and the loan borrowable amount range is 10,000 yen or more and 500,000 or less, the loan borrowing amount L is set at 10,000 yen and the loan is introduced. Is 23,000 yen and the unit that can be borrowed is 10,000 yen unit. The loan is 20,000 yen rounded off to the nearest thousand yen, and the loan is borrowed L. The loan amount P is 23,000 yen. If the unit that can borrow a loan is a unit of 10,000 yen, a process of arranging a loan with a loan borrowing amount L of 30,000 yen that satisfies the withdrawal amount P can be considered.
[0034]
In step 405, a borrowing interest Cm when the loan amount L is borrowed and repaid the next day is calculated. Since the formula for calculating borrowing interest is (borrowing balance x borrowing rate ÷ 365 days x number of days used before repayment date), borrowing interest Cm at the time of repayment the next day is (10,000 yen x 18.25% ３６ 365 days x 1 day) ) = 5 yen.
[0035]
In step 406, the borrowing interest Cm at the time of repayment the next day is compared with the handling fee Ca. If the borrowing interest Cm at the time of repayment the next day is not less than the handling fee Ca, the treatment of the loan is not more advantageous than the treatment of the withdrawal transaction, so the process proceeds to step 415 without mediating the loan, and the normal withdrawal transaction is performed. In the present embodiment, the borrowing interest Cm at the time of repayment on the next day is 5 yen, which is less than the handling fee Ca of 210 yen.
[0036]
When the process proceeds to step 407, it is determined that the borrowing interest Cm when the customer uses the loan to repay the next day is lower than the handling fee Ca. Since the loan is more advantageous depending on the repayment method, it is possible to mediate the loan.However, it is determined whether there are more favorable conditions for the content to be offered to the customer, and if possible, the favorable conditions are given to the customer. Present.
[0037]
In step 407, the next contract repayment date D in the case of borrowing is acquired. The contract repayment date of each month is obtained from the information on the contract repayment date in the table 303, and it is found that the contract repayment date is the 20th of each month. However, there is a condition in the provisions of the contract repayment date of the loan agreement that if there is a contract repayment date within 7 days excluding the borrowing date from the borrowing date, repayment will start from the contract repayment date of the following month. The contract repayment date D is the first 20 days after October 19, which is seven days after the month 12. Therefore, the next contract repayment date D is October 20.
[0038]
In step 408, the longest repayment date Dn at which the loan treatment is advantageous is calculated. The longest repayment date Dn at which loan treatment is advantageous is the date that "If you repay by this date, interest Cm is cheaper and more profitable than handling fee Ca for withdrawal transactions", but this date is borrowed money The maximum repayment date Dn is the next maximum contract repayment date D at the longest since the next contract repayment date D corresponding to the repayment date cannot be exceeded.
[0039]
First, the longest repayment days d in which the loan interest Cm is lower than the handling fee Ca is calculated. The calculation formula is (calculation fee Ca> loan borrowing amount L × borrowing rate ÷ 365 days × repayment period d) from the calculation formula of borrowing interest Cm, and the formula is modified (repayment period d <handling fee Ca × 365 days ÷). Loan borrowing amount L ÷ borrowing rate). Therefore, (repayment period d <210 yen × 365 days ÷ 10,000 yen ÷ 18.25% = 42 days), and the repayment period d <42 days, that is, the longest repayment period can be calculated as 41 days. However, 41 days after October 12 today is November 22 and the longest repayment date Dn cannot exceed the next contract repayment date D of October 20, so the longest repayment date Dn is October 20. Can be calculated as days.
[0040]
In step 409, the borrowing interest Cn when the loan amount L is borrowed and repaid on the longest repayment date Dn is calculated. Since the formula for calculating the borrowing interest Cn is (loan borrowing amount L × borrowing rate ÷ 365 days × repayment period), the borrowing interest Cn when repaid on the longest repayment date Dn is (10,000 yen × 18.25% ÷). 365 days x 8 days) = 40 yen.
[0041]
In step 410, it is determined whether or not there is an automatic bank account withdrawal as a loan repayment method from the bank account automatic withdrawal information of the table 303. If the value is 0, there is no automatic debit of the bank account, and the process proceeds to step 413. In this embodiment, the value is 1, and there is automatic debit of a bank account.
[0042]
In step 411, it is determined whether the longest repayment date Dn is the same date as the next contract repayment date D. If they are not the same date, go to step 413. In this embodiment, since the longest repayment date Dn is October 20 and the next contract repayment date D is October 20, the same date, the process proceeds to step 412.
[0043]
As a result of the above determination, the screen 205 shown in FIG. 2 is displayed as a loan placement screen when the process proceeds to step 412, and the screen 206 when the process proceeds to step 413. When the screen 205 is displayed, the display item 04 is the handling fee Ca, the display item 05 is the borrowing interest Cm for repayment the next day, the display item 06 is the longest repayment date Dn, and the display items 07 and 08 are the longest repayment date Dn. The borrowing interest Cn at the time of repayment is displayed and a loan is arranged. Then, the selection items 09 and 10 are displayed, and the customer waits for selection of whether to treat as a withdrawal transaction or a loan.
[0044]
When the screen 206 is displayed, the display item 11 is the handling fee Ca, the display items 12 and 14 are the longest repayment date Dn, the display item 13 is the borrowing interest Cm for the next day repayment, and the display item 15 is the longest repayment date Dn. The loan interest is displayed by displaying the borrowing interest Cn at the time of repayment. Then, the selection items 16 and 17 are displayed to wait for the customer's selection.
[0045]
It should be noted that there is a difference in the contents of the mediation between the screen 205 and the screen 206, and only the screen 205 has a description related to the automatic debit of a bank account. The reason for this is that "the customer has a means of automatic bank account withdrawal as a method of repayment of the borrowed money" and "the interest Cn when the loan amount L is repaid by the automatic bank account withdrawal on the contract repayment date D is lower than the handling fee Ca." If the customer satisfies the condition, the customer has the necessary balance in the bank account, and the repayment of the borrowing is completed by automatic bank account withdrawal on the contract repayment date. That is, there is an advantage that the customer does not have to repay by ATM after borrowing, and the interest Cn to be paid is cheaper than the majority handling fee Ca, so that the loan is much more advantageous than the withdrawal transaction. Therefore, the processing flow of FIG. 5 is a determination processing in which the screen 205 is displayed when the above conditions are satisfied, and the screen 206 is displayed when the conditions are not satisfied. On the day of repayment, repayment is completed by automatic debit from the customer's bank account, and interest is cheaper than the handling fee. "
[0046]
In the present embodiment, it is assumed that the customer who has viewed the screen 205 has selected the selection item 10 in order to change the loan treatment to the company A loan. In step 414, it is determined whether the customer has selected the change to the loan treatment on the screen 205 or 206. If the change to the loan treatment is not selected, the process proceeds to step 415, and a normal withdrawal transaction is performed. When the change to the loan treatment is selected, the process proceeds to step 416, and the process proceeds to a loan transaction process. In step 416, the loan transaction process starts.
[0047]
First, a screen 207 shown in FIG. 3 is displayed, and input of a password for loan is awaited. When the customer inputs a four-digit password in the item group 18, the input content is stored in the main storage device 102. Next, a loan transaction confirmation screen 208 is displayed, and the customer waits for confirmation. The display item 19 displays the real annual rate, the display item 20 displays the loan borrowing amount L, the display item 21 displays the number of repayments, and the display item 22 displays the next contract repayment date D. Then, the selection items 23 and 24 are displayed to wait for the customer's selection. In the present embodiment, the number of repayments is uniform once, but if the total amount of interest finally paid by the customer does not exceed the handling fee Ca, the repayment may be made in a plurality of times. It is assumed that the customer checks the contents of the loan and selects the selection item 24.
[0048]
Thereafter, the ATM transmits a loan transaction permission request message to the A company host computer 111 by the communication device 104, and when the communication device 104 receives the loan transaction permission response from the A company host computer 111, the CPU 101 transmits the loan transaction permission response to the statement control device 107. It prints the statement and instructs the bill / coin controller 105 to eject the bill.
[0049]
In addition, the statement form states `` If the next day repayment is interest xx yen, get the difference with the handling fee xx yen, if xx month xx day repayment, get the interest xx yen, the difference with the handling fee xx yen '' In this way, it is desirable to print a word or a table describing the difference between the loan repayment date, the borrowing interest, and the handling fee so that it is possible to know that the customer has gained by using the loan.
[0050]
Then, after the screen 209 shown in FIG. 3 is displayed, the screen 210 is displayed, the card and the statement are discharged, and the customer waits for the receipt. When the card and the statement are received, the screen 211 is displayed to discharge the bill, and the transaction is completed with the receipt of the bill by the customer.
[0051]
According to the above-described embodiment, the customer does not need to pay anything on the next contract repayment date of October 20, which is the repayment date of 10,000 yen, including the principal of the borrowed money of 10,000 yen and the borrowing interest of 40 yen. Withdrawal is complete. In other words, when a normal withdrawal transaction is performed by the conventional technique, the customer has withdrawn the handling fee of 210 yen from the bank account in addition to the withdrawal amount. However, the loan placement system according to the present embodiment (cash transaction method) ) Means that the customer has obtained the difference of 150 yen. Further, when the customer himself repays the next day at the ATM of Company A, the borrowing interest is 5 yen, and the customer gets the difference of 205 yen.
[0052]
By the way, in the above embodiment, the customer IC card has both the functions of a loan card and a cash card, and the transaction is completed with one card, but such a card is still not generally used at present. Instead, loan cards and cash cards often exist as separate cards. For this reason, the following modifications are conceivable as a loan placement method for a customer who pays out with a cash card.
[0053]
In the above embodiment, the customer (user) has an IC card to which both functions of a loan card and a cash card are added, but in the present modification, the cash card exists as one card, and the table shown in FIG. It has the cash card information 302. A loan card also exists as one card, and has the loan card information in the table 303.
[0054]
It is assumed that the user has performed the same operation under the same conditions as in the above-described embodiment except that the user has inserted the cash card on the screen 202 in FIG. 2, and has proceeded to step 403 in FIG. In the above embodiment, it was determined in step 403 whether or not the card inserted by the customer has a loan function. However, in this modified example, a different determination process is performed in step 403, and the customer using the ATM is determined. Is determined to be a company A loan contractor.
[0055]
As means for determining whether the user is a company A loan contractor, company A company loan contractor customer information is managed as a database in the company A host computer 111 as shown in FIG. If the bank account information includes the same bank account information as that of the user's cash card, the user is determined to be a company A loan contractor.
[0056]
That is, the ATM communication device 104 transmits the bank account (bank number, branch number, account type, account number) of the cash card to the host computer 111 of company A as a customer search request message, and the host computer 111 of company A receives the message. The database shown in FIG. 6 is searched for the same automatic debit bank account information as the bank account that has been set. If the same bank account does not exist, a response of “not applicable” is transmitted as a customer search request response message. Conversely, when there is the same account, the customer information such as the customer number and the contracted repayment date of the corresponding customer is transmitted as a customer search request response message in addition to the answer of “applicable”.
[0057]
Then, after the communication device 104 receives the customer search request response message, if the response is “not applicable”, the process proceeds to step 415 to perform a withdrawal transaction. If the answer is “applicable”, the process proceeds to step 404 after acquiring the customer information such as the customer number and the contract repayment date from the customer search request response message.
[0058]
Regarding the timing at which the user inserts the loan card, when it is determined in step 414 that the customer (user) desires the change to the loan treatment, the screen 212 in FIG. Discharge. Then, after the user's card is received, the loan card of company A is inserted, and the process proceeds to step 416. By means of the above-mentioned modified example, even when the loan card and the cash card are different cards, it is possible to arrange a loan.
[0059]
In the above-described embodiment and the modified example, the system in which the user who does not have the loan card of the company A is not arranged for the loan is performed. If a loan occurs, calculate the borrowing interest etc. when the user temporarily changes the withdrawal treatment to a loan and uses the loan, and if the loan is more advantageous, If you use it, you have earned XX yen.Depending on the conditions, our loan is more advantageous than withdrawal transaction.For our loan, please call XX-XXXX-XXXX Please contact us "and offer the user a loan.
[0060]
As described above, the loan mediation system (cash transaction method) of the embodiment and the modified example of the present invention not only allows the user to make a profit, but also gives the loan company "deposit from a bank account depending on conditions. Borrowing from a loan company rather than withdrawing a loan, the customer will be able to gain financial benefits. '' In addition to being able to use it, it is possible to increase borrowing interest income from customers.
[0061]
In addition, the loan placement system according to the embodiment and the modified example of the present invention does not require a handling fee for withdrawal transaction, or a case where the interest on borrowing by loan transaction is more disadvantageous to the user than the handling fee for withdrawal transaction. For these reasons, the loan placement system according to the embodiment and the modified example of the present invention is very useful because a normal transaction is performed without a loan placement.
[0062]
【The invention's effect】
When performing a withdrawal transaction from a bank account at a loan company's ATM, if the borrowing interest paid when treating it as a loan is lower than the handling fee for handling the withdrawal transaction, the user will be treated as a loan. Since the change can be introduced and the user can be converted to a loan, it is possible to make a financial gain by paying a borrowing interest rate lower than the handling fee, and the loan company will also actively use its own service By receiving this, it is possible to increase borrowing interest income from customers.
[Brief description of the drawings]
FIG. 1 is a configuration diagram showing a configuration of a system for realizing a cash transaction method and a loan mediation system according to an embodiment of the present invention and a cash automatic transaction apparatus.
FIG. 2 is a screen transition diagram of an ATM realizing a cash transaction method and a loan mediation system according to an embodiment of the present invention.
FIG. 3 is an ATM screen transition diagram continued from FIG. 2;
FIG. 4 is a diagram showing a handling fee table, a table of customer IC card information, and a list of available banks in a bank transaction according to an embodiment of the present invention.
FIG. 5 is a flowchart showing a processing procedure of a cash transaction method and a loan mediation system according to an embodiment of the present invention.
FIG. 6 is a diagram showing a loan contractor customer information table of the loan company host computer according to one embodiment of the present invention.
[Explanation of symbols]
101 CPU 102 Main storage device
103 external storage device 104 communication device
105 Banknote / coin controller 106 Card controller
107 statement slip control device 108 touch panel display
109 input device 110 display device
205 Loan placement screen 1 206 Loan placement screen 2
301 Handling fee charge table 302 Cash card information table
303 Loan card information table 303 List of available banks.

Claims (12)

An automatic teller machine for depositing and withdrawing cash, a computer for managing customer information, and a computer of a partner company for managing information on bank transactions are connected via a network, and a user uses the automatic teller machine. When making a withdrawal from a bank account, the automated teller machine obtains a handling fee for the withdrawal transaction from the partner company's computer, borrows the withdrawal amount entered by the user as a loan transaction, and within a predetermined period Compared to borrowed interest when returned, cash transaction characterized by presenting the handling fee for withdrawal transaction and borrowed interest for loan transaction to the user if the borrowed interest is cheaper, and having the user select a transaction Method. 2. The cash transaction method according to claim 1, wherein the borrowing interest is paid from the next day of repayment to the next contract repayment date. The cash transaction method according to claim 1, wherein when a loan transaction is selected in the selection of the withdrawal transaction and the loan transaction, the user is prompted to input a personal identification number for a loan. An automatic teller machine for depositing and withdrawing cash, a computer for managing customer information, and a computer of a partner company for managing information on bank transactions are connected via a network, and a user uses the automatic teller machine. When making a withdrawal from a bank account, the automated teller machine obtains a handling fee for the withdrawal transaction from the partner company's computer, borrows the withdrawal amount entered by the user as a loan transaction, and within a predetermined period Compared to the borrowing interest when returned, if the borrowing interest is cheaper, the handling fee for withdrawal transaction and the borrowing interest for loan transaction are presented to the user, and the loan brokerage system that mediates the loan transaction . An automatic teller machine having input means, display means, communication means, deposit / withdrawal means, storage means, and processing means for depositing / withdrawing cash, a computer for managing customer information, and a partner company for managing information relating to bank transactions When a withdrawal transaction from a bank account is inputted from the input means of the automatic teller machine, the processing means executes the withdrawal transaction stored in the storage means. In addition to the necessary handling fee information, search the borrowable amount and borrowing interest rate when borrowing with a loan, and if the handling fee is charged, check whether the desired withdrawal amount is the amount that can be loaned by loan transaction If the desired withdrawal amount is the amount that can be loaned by loan transaction, the desired withdrawal amount is loaned by loan transaction and the customer can repay by a specific date. Calculate the loan interest assuming that, if the loan interest is cheaper than the handling fee, display the handling fee, the loan interest, the repayment date and guidance information of the loan product on the display means If the handling fee for handling withdrawal transactions is changed to loan handling and the loan is borrowed and repaid by the specified repayment date, the interest on the borrowing is displayed at a lower price on the display device, and the user is displayed. Wherein the change of the withdrawal transaction to the loan transaction is selected when the change to the loan treatment is selected. An automatic teller machine having input means, display means, communication means, deposit / withdrawal means, storage means, and processing means for depositing / withdrawing cash, a computer for managing customer information, and a partner company for managing information relating to bank transactions When a withdrawal transaction from a bank account is input from the input means of the automated teller machine, the processing means executes the withdrawal transaction stored in the storage means. In addition to the necessary handling fee information, search the borrowable amount and borrowing interest rate when borrowing with a loan, and if the handling fee is charged, determine whether the desired withdrawal amount is the amount that can be loaned by loan transaction If the desired withdrawal amount is the amount that can be loaned by loan transaction, the loan repayment method and the contract repayment date are acquired, and the loan repayment method is In the case of withdrawal, calculate the loan interest assuming that the desired withdrawal amount was loaned by loan transaction and repaid by automatic withdrawal from the bank account on the contract repayment date, and compared with the handling fee, If the interest on the loan is lower, the handling fee, the interest on the loan, the repayment date, and information on the loan product are displayed on the display unit. The borrowing interest in the case of repayment is cheaper and profitable, and it is displayed on the display means that automatic debit is possible if the balance required for repayment is put in the bank account of the automatic debit, and the user Wherein a change in the withdrawal transaction is changed to a loan transaction when the change to the loan treatment is selected. The loan intermediation system according to any one of claims 4 to 6, wherein the borrowing interest is paid from the next day of repayment to the next contract repayment date. The loan mediation system according to claim 4, wherein when a loan transaction is selected in the selection of the withdrawal transaction and the loan transaction, the user is prompted to input a personal identification number for a loan. A computer for managing customer information, an automatic teller machine connected to a computer of an affiliated company for managing information on bank transactions via a network, and an input means for inputting information required for withdrawal transactions, and a withdrawal transaction A storage device for storing a transaction fee required according to the date and time when the transaction is carried out, a borrowable amount in the case of a loan transaction, and a borrowing rate, and a transaction fee when the withdrawal transaction is inputted from the input means. Is paid, and if it is determined that the desired withdrawal amount is an amount that allows for loan transaction, the loan amount when the desired withdrawal amount is loaned by loan transaction and the repayment is made by a specific date is paid. Calculating, if the borrowing interest is lower than the handling fee, displaying the handling fee and the borrowing interest on display means, and providing a processing device for guiding selection of withdrawal transaction and loan transaction. Automatic teller machine which is characterized in that. 10. The automatic cash transaction apparatus according to claim 9, wherein the information necessary for the withdrawal transaction and the information required for the loan transaction are held on a customer card. 10. The automatic teller machine according to claim 9, wherein the information required for the withdrawal transaction is held in a cash card, and the information required for the loan transaction is held in a loan card. 12. A loan security code input screen is displayed on the display means when a loan transaction is selected in the selection of the withdrawal transaction and the loan transaction. Automatic teller machine.

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