JP2005216224A - Automatic cash transaction device and system using it - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow users other than the owner of a banknote or card to be paid money by making it possible for them to be paid money without use of the banknote or card if the amount of money paid is within a preset limit of amount. <P>SOLUTION: This automatic cash transaction device has a user-operated part to be operated by a user and is communicably connected to the higher-level device of an accounting system. The device allows the user to set the amount of money that can be paid without use of an authentication media and to be paid by use of previously registered personal authentication information if the amount of money paid is within the preset limit of amount. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic cash transaction apparatus and a system using the same.

Conventionally, in financial institutions such as banks, credit unions, post offices, etc., users open an account in the financial institution and perform various financial transactions such as deposit, withdrawal, transfer, transfer, balance inquiry, etc. It has become. Then, the user operates the automatic teller machine such as ATM (Automatic Teller Machine), CD (Cash Dispenser), etc., which is disposed at a branch of a financial institution, etc. Financial transactions can be performed (for example, see Patent Document 1). In this case, the user uses a passbook or a card as a means for authenticating the person, and inputs and outputs a password as authentication data for authenticating the person.
JP-A-5-61898

  However, in the conventional automatic teller machine, cash cannot be taken in or out unless a bankbook or card is used. For example, when sending money to a family member who is living separately, a family account is opened at a financial institution. It is necessary to transfer money to the family account. In this case, a transfer fee is generated, which is an economic burden on the user. In particular, when there are a plurality of family accounts and a monthly transfer is made to each account, the burden of the transfer fee becomes extremely large. In addition, the user needs to visit an automated teller machine or a financial institution to make a transfer, which is troublesome and cannot use time effectively.

  The present invention solves the problems of the conventional automatic teller machine so that it can be withdrawn from an account without using a bankbook or card as long as it is within a preset amount. An object of the present invention is to provide an automatic teller machine that allows a person other than the user to withdraw money from the user's account and a system using the same.

  Therefore, in the automatic teller machine of the present invention, it is an automatic teller machine that has a user operation unit that is operated by a user and is communicably connected to an accounting system host device, and uses an authentication medium. The amount of money that can be withdrawn can be set, and within the amount, the withdrawal can be made by using personal authentication information registered in advance.

  In another automatic teller machine of the present invention, it has a unique device number and can be withdrawn by using the device number and personal authentication information when the amount is set.

  In the system using the automatic teller machine of the present invention, the automatic teller machine provided with the user operation unit operated by the user and the automatic teller machine are communicably connected to the automatic teller machine. The amount of money that can be withdrawn without using an authentication medium can be set, and if it is within the amount, it is registered in advance. By using the personal authentication information thus made, it is possible to withdraw money from the automatic teller machine.

  In a system using another automatic teller machine of the present invention, the account system host device stores the account information of the user, and the account information includes an amount part in which the amount is registered, and Includes a personal authentication information section in which personal authentication information is registered.

  In a system using still another automatic teller machine of the present invention, the automatic teller machine further includes a unique device number, and the account information includes a device number part in which the device number is registered, Withdrawal can be made by using the device number and personal authentication information.

  In a system using still another automatic teller machine according to the present invention, the accounting system host device is further connected to the Internet, and the amount and device number can be registered in the account information via the Internet.

  According to the present invention, it is possible to withdraw from an account without using a passbook or a card as long as it is within a preset amount, and a person other than the user withdraws from the user's account. be able to.

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

  FIG. 1 is a diagram showing a configuration of a system using an automatic teller machine according to an embodiment of the present invention.

  In the figure, 10 is an automatic transaction system as a system in the present embodiment, and 11a, 11b,..., 11n are ATMs, CDs arranged at branches of financial institutions such as banks, credit unions, post offices, etc. Automatic financial transaction devices such as the above, which users of the financial institution use by themselves to use financial services such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and periodic deposit setting It is a device. The automatic teller machines 11a, 11b,... 11n are private businesses such as convenience stores, supermarkets, department stores and other stores, underground malls, station premises, city halls, public facilities such as hospitals, factories and offices. It may be arranged outdoors such as a parking lot or a side of a road. The cash automatic transaction apparatuses 11a, 11b,... 11n have other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. A multi-function terminal such as The user is a person who opens his / her own account at a financial institution and uses the financial service, and is generally an individual, but may be a company, an organization, or the like. In addition, the number of the automatic teller machines 11a, 11b,... 11n may be any number. When the automatic teller machines 11a, 11b,. 11 will be described.

  And this automatic teller machine 11 has a user operation part provided with display apparatuses, such as input devices, such as a keyboard, a touch panel, and a push button, CRT, a liquid crystal display, and LED (Light Emitting Diode) display. Note that the user operation unit is preferably a touch panel having both functions of an input device and a display device. Further, the user operation unit includes an audio output device such as a speaker for outputting audio guidance and the like.

  Moreover, the said automatic teller machine 11 has a card handling part which handles cards, such as a cash card. Here, the card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to the user by a financial institution, such as the user's name, account number, password, etc. A magnetic stripe for storing information is provided. The member for storing the information may be an IC (Integrated Circuit) embedded in a card instead of the magnetic stripe.

  The card handling unit includes a card slot into which a card is inserted. In the card slot, a transport device that transports a card (not shown), and reading information stored in a magnetic stripe or IC of the card, A recording head such as a magnetic head for overwriting and erasing is provided. It is desirable that the card handling unit can handle other types of cards such as cash cards, credit cards and debit cards issued by other financial institutions.

  Further, the card handling unit has a function of issuing a transaction statement slip. The transaction statement slip is a piece of paper on which information relating to financial transactions conducted by the user such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit, etc. is printed. The type of transaction, transaction amount, etc. are printed. The transaction statement slip may be issued only when the user desires.

  And the said automatic teller machine 11 has a passbook recording part which writes in a passbook, such as a deposit passbook. Here, the passbook is a booklet passbook such as a deposit passbook issued by a financial institution to the user, and records of financial transactions such as deposit, withdrawal, transfer, transfer, remittance, and periodic deposit setting are recorded. It is to be printed. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the user's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  The passbook entry unit includes a passbook slot into which a passbook is inserted, and a transfer device that transports a passbook (not shown) in the passbook slot, a print head that prints a record of the financial transaction on the passbook, and a passbook A recording head such as a magnetic head for reading, overwriting and erasing information stored in the magnetic stripe and the IC is provided.

  And the said automatic teller machine 11 has a money deposit or withdrawal part which handles a banknote or a coin. The money deposit / withdrawal unit receives and counts the cash deposited by the user in the financial transaction such as deposit, and pays out a predetermined amount of bills or coins from the money receiving port in the financial transaction such as withdrawal. In addition, a shutter is disposed at the money receiving port, and the shutter is opened when a bill or a coin is paid out.

  Furthermore, the automatic teller machine 11 is a kind of computer that operates according to a program, and has a control unit (not shown). The control unit includes arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and comprehensively controls the operation of the automatic teller machine 11.

  The automatic cash transaction apparatus 11 is communicably connected to a host computer system 13 as an accounting system host apparatus of a financial institution via a network 12. The network 12 may be any of a wired or wireless public communication line network, a dedicated communication line network, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite communication line network, or the like. It may be a communication network, or a combination of these as appropriate. Moreover, the number of the said automatic teller machines 11 may be how many, and these can be set suitably.

  Here, the host computer system 13 includes calculation means such as CPU and MPU, storage means such as magnetic disk and semiconductor memory, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication means and the like. A billing system constructed in a computer system comprising a host computer or the like disposed in the financial institution. User account information 14 corresponding to each account opened in the financial institution is set in the host computer system 13. The computer system 13 may be constituted by a single computer such as a large general purpose computer, or a plurality of computers connected organically such as a distributed server. It may be a thing or one of a plurality of systems constructed in a large computer. The host computer system 13 executes various financial processes for each account information 14, and also functions as an electronic passbook or record book for recording the results of the processes. For example, when there is a request for various financial services from a certain user to a financial institution, the host computer system 13 uses the user's account information 14 to execute the various financial processes. Is recorded for the account information 14 of the user. In the figure, only one account information 14 is shown, but there are actually a plurality of account information 14.

  In the present embodiment, the account information 14 includes a passbook or a card such as an ordinary deposit, a fixed deposit, or the like, that is, an authentication medium necessary part 14a as a part that cannot be traded without an authentication medium, and an authentication medium. It has an authentication medium unnecessary part 14b as a part that can be traded without. The account information 14 includes a user name, an account number, a personal identification number, a personal authentication information unit 16 in which personal authentication information such as biometric information such as fingerprints and irises is registered, and designated cash. A device number portion 17 in which a unique device number, which is the number of the automatic transaction device 11, is registered is included. Furthermore, the user can operate the automatic cash transaction apparatus 11 to set an amount that can be traded without an authentication medium and register it in the amount unit 15. The amount setting requires personal authentication information as confirmation of transaction authentication, and the amount can be set only when the personal authentication information matches.

  Also, those who can trade without a passbook or card need to register in advance. Further, by using the device number, it is possible to make a transaction only when the device number and the personal authentication information match the previously registered device number and personal authentication information. Furthermore, even if the person is not registered in advance, the device number of the automatic teller machine 11 in which the amount of money that can be traded without the user having an authentication medium and the personal authentication information of the user are obtained. A transaction can be performed by inputting the authentication information together.

  Further, in the figure, 18a, 18b... 18n are user terminals operated by the user at home, work, school, etc., and are connected to the Internet 19. The number of the user terminals 18a, 18b,... 18n may be any number, and the user terminals 18a, 18b,. To do.

  Here, the user terminal 18 is a computing means such as a CPU or MPU, a storage means such as a magnetic disk or a semiconductor memory, an input means such as a keyboard, mouse, joystick, cross key, push button, remote controller, touch panel, CRT, etc. This is a kind of computer provided with display means such as a liquid crystal display and an LED display, a communication interface, and the like. The user terminal 18 is, for example, a personal computer, but may be of any type as long as it is a device that can be connected to the Internet 19, such as a mobile phone, a PHS (Personal Handy-Phone System) phone, etc. However, any form such as a stationary telephone, an electronic notebook, a PDA (Personal Digital Assistant), a game machine, and a digital TV may be used.

  Then, the user operates the user terminal 18 and accesses the host computer system 13 via the Internet 19 to input personal authentication information, or the amount and device number that can be traded without an authentication medium. Can be set.

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

  FIG. 2 is a first view showing a display screen of the user operation unit of the automatic teller machine according to the embodiment of the present invention, and FIG. 3 is a display of the user operation unit of the automatic teller machine according to the embodiment of the present invention. FIG. 4 is a second view showing a screen, FIG. 4 is a third view showing a display screen of a user operation unit of the automatic teller machine in the embodiment of the present invention, and FIG. 5 is an automatic transaction system in the embodiment of the present invention. It is a 1st flowchart which shows this operation | movement.

  Here, the operation in the case where the user sets an amount that can be traded without an authentication medium will be described. For example, in order to send money to a family member who is living separately, the user sets an amount that can be traded without an authentication medium. Here, the said user shall operate the automatic teller machine 11 and shall set the money amount which can be transacted even if there is no authentication medium. In addition, the user operation part of the automatic teller machine 11 shall be a touch panel which combines the function of an input device and a display apparatus.

  First, when the user operates the automatic teller machine 11 installed in a financial institution or the like, a transaction as shown in FIG. 2 is displayed as an initial screen on the user operation unit of the automatic teller machine 11. A selection screen appears. In this case, as a selection means to select various financial transactions and other transactions such as deposit, withdrawal, transfer, transfer, transfer book entry, balance inquiry, setting of the amount that can be traded without an authentication medium, etc. Selection buttons for “Deposit”, “Drawer”, “Transfer”, “Transfer”, “Entry in Passbook”, “Balance Inquiry”, and “Set Passbook / Cardless Withdrawal Amount” are displayed. Further, in order to prompt the user to select a transaction, an operation instruction “Please press the desired transaction” is displayed. Then, the user touches the selection button corresponding to the desired financial transaction from among the selection buttons displayed on the customer operation unit, that is, selects the desired financial transaction by touching it. Can be done. In the present embodiment, in order to set the amount of money that can be traded without an authentication medium, the user sets “passbook / cardless withdrawal amount setting” surrounded by an oval frame A in FIG. Touch the selection button with your fingers.

  Subsequently, the automatic teller machine 11 determines which selection button is touched, and determines that the selection button of “passbook / cardless withdrawal amount setting” is touched, that is, even if there is no authentication medium. If it is determined that the setting of the transactionable amount is selected, a personal authentication information input instruction screen as shown in FIG. 3 is displayed on the user operation unit. The personal authentication information input instruction screen is a screen for instructing the user to input personal authentication information, and an operation instruction “Please enter personal authentication information.” Is displayed. In addition, when the personal authentication information is an account number or a password, number buttons “0” to “9” are displayed as input means for inputting numbers. The personal authentication information input instruction screen further includes a “confirm” input button as an input means for confirming the input personal authentication information, and a selection for selecting to cancel the procedure. As a means, a “cancel” selection button is displayed.

  Further, when it is determined which selection button is touched and it is determined that a selection means corresponding to another transaction is selected, the cash automatic transaction apparatus 11 displays a screen for the transaction selected by the user operation unit. Is displayed. A description of the operation in this case is omitted. Furthermore, when neither selection button is touched, the automatic teller machine 11 continues to display the initial screen.

  Here, when the personal authentication information is input, the personal authentication information is transmitted to the host computer system 13 for authentication. Subsequently, the host computer system 13 determines whether or not the user operates the user terminal 18 via the Internet 19 to set an amount that can be traded without an authentication medium. And when performing via the said internet 19, the request | requirement to the effect of inputting the apparatus number of the specific cash automatic transaction apparatus 11 to the user terminal 18 is transmitted. Further, when the user does not go through the Internet 19, that is, when the user operates the automatic teller machine 11, the device number of the automatic teller machine 11 is automatically transferred to the host computer system 13. Is done.

  Subsequently, the automatic teller machine 11 displays a withdrawal amount setting instruction screen as shown in FIG. 4 on the user operation unit. The withdrawal amount setting instruction screen is a screen for instructing the user to set a withdrawal amount, and an operation instruction “Please set a withdrawal amount” is displayed. In addition, number buttons “0” to “9” are displayed as input means for inputting numbers. Furthermore, on the withdrawal amount setting instruction screen, as an input means for confirming the input amount, a “confirm” input button is displayed, and as a selection means for selecting to cancel the procedure, A “Cancel” selection button is displayed.

  When the user sets the amount and touches the “confirm” input button, the automatic teller machine 11 transmits the amount that can be traded without the authentication medium to the host computer system 13. The host computer system 13 sets the received amount and registers it in the amount part 15 and ends the process.

Next, a flowchart will be described.
Step S1: An amount is set.
Step S2: Enter personal authentication information.
Step S3: It is determined whether or not settings have been made via the Internet 19. If the setting is made via the Internet 19, the process proceeds to step S5. If the setting is not made via the Internet 19, the process proceeds to step S4.
Step S4: Transfer the device number information to the host computer system 13.
Step S5: Enter the device number.
Step S6 Enter the amount.
Step S7: An amount is set and the process is terminated.

  Next, an operation when a person other than the user conducts a transaction using the user's account, that is, withdraws cash from the user's account will be described. For example, when the user sets an amount of money that can be traded without an authentication medium in order to send to a separate family, the person other than the user is the user's family. The family is registered in advance, and personal authentication information different from the user's personal authentication information is registered in the personal authentication information section 16. In addition, the number of persons whose personal authentication information is registered in the personal authentication information unit 16 may be plural. Even a person who is not registered in advance can withdraw cash from the user's account by inputting the user's personal authentication information and the device number of the automatic teller machine 11. In addition, it is necessary for the user's personal authentication information and the device number of the automatic teller machine 11 to be notified in advance by the user.

  FIG. 6 is a fourth view showing a display screen of the user operation unit of the automatic teller machine according to the embodiment of the present invention, and FIG. 7 is a display of the user operation unit of the automatic teller machine according to the embodiment of the present invention. FIG. 5 shows a screen, FIG. 8 is a sixth view showing a display screen of the user operation unit of the automatic teller machine in the embodiment of the present invention, and FIG. 9 is an automatic cash transaction in the embodiment of the present invention. FIG. 10 shows the display screen of the user operation unit of the apparatus, FIG. 10 shows the display screen of the user operation unit of the automatic teller machine according to the embodiment of the present invention, and FIG. It is a 2nd flowchart which shows operation | movement of the automatic transaction system in embodiment of this.

  First, the user informs the family by a contact means such as a telephone that he / she has set an amount that can be traded without an authentication medium. Then, the family who has received the notification goes to the automatic teller machine 11 disposed at the financial institution or the like and operates the automatic teller machine 11. A transaction selection screen as shown in FIG. 6 is displayed on the user operation unit of the automatic teller machine 11 as an initial screen. In this case, as a selection means to select various financial transactions and other transactions such as deposit, withdrawal, transfer, transfer, transfer book entry, balance inquiry, setting of the amount that can be traded without an authentication medium, etc. Selection buttons for “Deposit”, “Drawer”, “Transfer”, “Transfer”, “Entry in Passbook”, “Balance Inquiry”, and “Set Passbook / Cardless Withdrawal Amount” are displayed. In addition, in order to prompt the family to select a transaction, an operation instruction “Please press the desired transaction” is displayed. The family can select a desired financial transaction by touching a selection button corresponding to the desired financial transaction from among the selection buttons displayed on the customer operation unit. In the present embodiment, the family touches the “withdrawal” selection button surrounded by an ellipse frame B in FIG.

  Subsequently, when the automatic teller machine 11 determines which selection button is touched and determines that the selection button of “withdrawal” is touched, that is, determines that the withdrawal is selected, the user A mode selection screen as shown in FIG. 7 is displayed on the operation unit. The mode selection screen is a screen that allows the family to select a transaction mode that uses an authentication medium or a transaction mode that does not use an authentication medium. ”And“ Drawer without using passbook or card ”are displayed. In addition, an operation instruction “Please select the desired mode” is displayed to prompt the family to select a transaction. In the present embodiment, the family touches a selection button of “withdrawal without using a passbook or a card” with a finger or the like in order to withdraw a desired amount of money.

  Subsequently, the automatic teller machine 11 determines which selection button has been touched, and determines that the selection button “Drawer without using a passbook or card” has been touched, that is, a passbook / cardless transaction. If it is determined that the mode withdrawal has been selected, a personal authentication information registration confirmation screen as shown in FIG. 8 is displayed on the user operation unit. The personal authentication information registration confirmation screen is a screen for confirming whether or not personal authentication information is registered for the family. As a selection means for selecting, “registered” and “registered” “None” selection button is displayed.

  Here, when the personal authentication information is registered in the personal authentication information section 16, the family touches the “registered” selection button with a finger or the like of the hand. Then, the automatic teller machine 11 displays a personal authentication information input instruction screen as shown in FIG. 9 on the user operation unit. The personal authentication information input instruction screen is a screen for instructing the user to input personal authentication information, and an operation instruction “Please enter personal authentication information.” Is displayed. In addition, when the personal authentication information is an account number or a password, number buttons “0” to “9” are displayed as input means for inputting numbers. The personal authentication information input instruction screen further includes a “confirm” input button as an input means for confirming the input personal authentication information, and a selection for selecting to cancel the procedure. As a means, a “cancel” selection button is displayed. When the family inputs personal authentication information, the personal authentication information is transmitted to the host computer system 13 for authentication.

  Further, when the family is not a person who has been registered in advance, the “not registered” selection button is touched with a finger or the like on the personal authentication information registration confirmation screen as shown in FIG. Then, the automatic teller machine 11 displays a screen for instructing the user operation unit to input the personal authentication information and the device number of the user. In this case, the family inputs the personal authentication information of the user and the device number of the automatic teller machine 11 that have been contacted by the user in advance. The personal authentication information of the user input by the family and the device number of the automatic teller machine 11 are transmitted to the host computer system 13 for authentication.

  Subsequently, the automatic teller machine 11 displays a withdrawal amount setting instruction screen as shown in FIG. 10 on the user operation unit. The withdrawal amount setting instruction screen is a screen for instructing the user to input the withdrawal amount, and an operation instruction “please enter the amount” is displayed. In addition, number buttons “0” to “9” are displayed as input means for inputting numbers. Furthermore, on the withdrawal amount setting instruction screen, as an input means for confirming the input amount, a “confirm” input button is displayed, and as a selection means for selecting to cancel the procedure, A “Cancel” selection button is displayed.

  When the user inputs an amount and touches the “confirm” input button, the automatic teller machine 11 withdraws the input amount and ends the process.

Next, a flowchart will be described.
Step S11: Withdrawal is selected.
Step S12 The bankbook / cardless transaction mode is set.
Step S13: It is determined whether or not personal authentication information is registered. If personal authentication information has been registered, the process proceeds to step S15. If personal authentication information has not been registered, the process proceeds to step S14.
Step S14: The user's personal authentication information is input, and then the device number is input.
Step S15: Enter personal authentication information.
Step S16: Enter the amount.
Step S17 The withdrawal transaction is terminated and the process is terminated.

  As described above, in the present embodiment, as long as it is within a preset amount, it is possible to use an authentication medium such as a passbook or a card by using pre-registered personal authentication information. , You can withdraw from your account. Therefore, for example, a person other than the user, such as a family member who is living separately, can withdraw money from the user's account, so it can be transferred to the account of a person other than the user or a person other than the user. There is no need to send money. Therefore, the user can save the transfer fee and the remittance fee. Further, the user and the person who receives the transfer or remittance can save time and labor for making or receiving the transfer or remittance.

  Further, even when the user himself / herself does not have an authentication medium, the necessary cash can be withdrawn from the account by using the personal authentication information, and the convenience of the user is enhanced.

  Further, even if the authentication information is not registered in advance, the user can withdraw money from the user's account by contacting his / her personal authentication information and the device number of the automatic teller machine 11. it can.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a figure which shows the structure of the system using the automatic teller machine in embodiment of this invention. It is a 1st figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is a 2nd figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is a 3rd figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is a 1st flowchart which shows operation | movement of the automatic transaction system in embodiment of this invention. It is a 4th figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is a 5th figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is a 6th figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is a 7th figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is an 8th figure which shows the display screen of the user operation part of the automatic teller machine in embodiment of this invention. It is a 2nd flowchart which shows operation | movement of the automatic transaction system in embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Automatic transaction system 11, 11a, 11b, 11n Automatic cash transaction apparatus 13 Host computer system 14 Account information 15 Money part 16 Personal authentication information part 17 Device number part 19 Internet

Claims (6)

(A) an automatic cash transaction apparatus having a user operation unit operated by a user and connected to an accounting system upper apparatus so as to be able to communicate;
(B) The amount of money that can be withdrawn without using an authentication medium can be set, and within the amount, it can be withdrawn by using pre-registered personal authentication information. Automatic cash transaction equipment. The automatic cash transaction apparatus according to claim 1, wherein the automatic cash transaction apparatus has a unique apparatus number and can be withdrawn by using the apparatus number and personal authentication information when the amount is set. (A) an automatic teller machine including a user operation unit operated by a user;
(B) a system having a billing system host device that is connected to the automatic teller machine so as to be communicable and processes a financial transaction performed by operating the automatic teller machine,
(C) It is possible to set an amount that can be withdrawn without using an authentication medium. If the amount is within the range, it is possible to withdraw from the automatic teller machine by using personal authentication information registered in advance. A system using an automatic teller machine characterized by being able to make money. 4. The account system host device stores account information of the user, and the account information includes an amount part in which the amount is registered and a personal authentication information part in which the personal authentication information is registered. A system using automatic cash transaction equipment. The automatic teller machine has a unique device number, and the account information includes a device number part in which the device number is registered, and can be withdrawn by using the device number and personal authentication information. Item 5. A system using the automatic teller machine according to item 4. 6. The system using an automatic teller machine according to claim 5, wherein the accounting system host device is connected to the Internet, and the amount and device number can be registered in the account information via the Internet.

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