JP2006163467A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device in which even if it is after fixed deposit subscription dealings, it can leave surely sufficient account credit for a user, when there is an account credit adequate for the user, it is surely invited for fixed deposit, user does not miss opening to apply the fixed deposit, user's operation load is alleviated and by which a dealings period becomes short. <P>SOLUTION: In the automatic transaction device which acquires the account credit after ending dealings chosen by an operation of the user, user information read from dealings medium which user inserted is transmitted to advance registration information sever 6, the advance registration information extracted from the advance registration information data base 8 based on this user information is received from the advance registration information server 6. When an criterion for allowing the fixed deposit subscription dealings is fulfilled from the account credit of this advance registration information and the user, the fixed deposit subscription dealings are conducted based on this advance registration information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus, and more particularly to an automatic transaction apparatus that performs transactions based on information registered when a user's account balance satisfies a predetermined condition.

Automatic transaction devices are now able to handle not only transactions such as deposits into and withdrawals from ordinary deposit accounts, but also applications for fixed deposits and foreign currency deposits, etc., by user operations.
In recent years, automatic transaction devices have become multifunctional in this way, and it is possible to determine whether or not to apply for a time deposit depending on whether the balance of the transaction account when the user uses the automatic transaction device exceeds a predetermined balance If it is determined that the time deposit is determined, the product information of the time deposit is displayed, and necessary information is input by the user's operation to apply for the time deposit (see, for example, Patent Document 1).

In addition, there is a case in which the balance of the user's savings account that changes every predetermined period is displayed and the user is solicited for a new transaction such as a time deposit (for example, see Patent Document 2).
Furthermore, when applying for the same time deposit as the application for the time deposit entered in the previous transaction in the automatic transaction apparatus, there is one that can use the input information operated in the previous transaction as it is (for example, see Patent Document 3). .
JP-A-5-233670 (paragraphs “0009” to “0017”, FIG. 2) JP-A-8-249401 (paragraphs “0019” to “0031”, FIG. 2) JP-A-8-87554 (paragraphs “0012” to “0026”, FIG. 2)

  However, in the conventional technology described above, whether or not a user can apply for a time deposit is determined based on whether the user's account balance exceeds a predetermined amount or the user's account balance is always constant. Since it is performed under the condition that the amount is more than the amount, the application for the term deposit may be invited when the account balance is not necessarily desired by the user. Therefore, whether or not to apply for a time deposit taking into account that there is an account balance that can apply for a time deposit and that a sufficient account balance can be left each time a user is invited to apply for a time deposit. There is a problem of having to make a judgment.

In addition, there is a problem that even if it is determined that there is a sufficient account balance to apply for a time deposit for a user, the application for time deposit is not solicited and the application opportunity is missed.
In addition, if you wish to apply for a time deposit under conditions different from the application for a time deposit that you have previously traded with an automatic transaction device, the user will enter the deposit amount, deposit period, etc. in the same way as when applying for a new time deposit. There is a problem that it takes time and effort to perform a transaction.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention provides an automatic transaction apparatus that acquires a user's account balance after completing a transaction selected by a user's operation, and preregisters user information read from a transaction medium inserted by the user. Conditions for enabling a time deposit application transaction from the pre-registration information and the user's account balance, receiving from the pre-registration information server the pre-registration information extracted from the pre-registration information database based on the user information A time deposit application transaction is performed based on the pre-registration information when it is determined that the condition is satisfied.

The present invention as described above has the effect that by registering the minimum balance after deposit desired by the user, it is possible to always leave a sufficient account balance for the user even after the time deposit application transaction. can get.
In addition, when there is a sufficient account balance for the user, an application for a time deposit is always invited, so that the user does not miss the opportunity to apply for a time deposit.

  Furthermore, by registering the deposit period and deposit amount desired by the user in advance, it is possible to reduce the burden on the user to operate the automatic transaction apparatus and to shorten the transaction time.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

  FIG. 1 is a block diagram of a system configuration showing a first embodiment, FIG. 2 is a block diagram of an automatic transaction apparatus showing the first embodiment, and FIG. 3 is an explanatory diagram of a pre-registration information database showing the first embodiment. 4 is a flowchart showing the first embodiment, FIG. 5 is an explanatory diagram of communication information transmitted from the automatic transaction apparatus showing the first embodiment to the pre-registration information server, and FIG. 6 is the first embodiment. FIG. 7 is an explanatory diagram of communication information transmitted from the pre-registration information server to the automatic transaction apparatus and from the automatic transaction apparatus to the host computer. FIG. FIG. 8 is an explanatory diagram of an initial screen showing the first embodiment, FIG. 9 is an explanatory diagram of a time deposit application confirmation screen showing the first embodiment, and FIG. 10 is a periodic diagram showing the first embodiment. Illustration of the deposit application registration screen FIG. 11 is an explanatory diagram of a time deposit application registration screen showing the first embodiment, FIG. 12 is an explanatory diagram of a time deposit application registration content change screen showing the first embodiment, and FIG. 13 is a first embodiment. It is explanatory drawing of the time deposit application registration content change screen which shows.

In FIG. 1, 1 is an automatic transaction apparatus, which is installed in a financial institution such as a bank or a convenience store. The automatic transaction apparatus 1 can be used for cash deposit / withdrawal transactions and application for time deposits by user operation. In addition, it is communicably connected to the network 2.
A host computer 3 is installed in an office center of a financial institution such as a bank. The host computer 3 transmits / receives a transaction message such as deposit / withdrawal and application for a fixed deposit to / from the automatic transaction apparatus 1 to determine whether or not to establish a user transaction. In addition, the user's account number and the user's personal identification number are used to authenticate the identity of the person. The host computer 3 is connected to the automatic transaction apparatus 1 through the network 2 so as to be able to communicate with each other.

Reference numeral 4 denotes a deposit allowance determination unit that determines whether or not it is possible to apply for a time deposit based on the account balance of the user.
Reference numeral 5 denotes an account master database, which stores information on accounts such as user account numbers, passwords and account balances, information on foreign currency exchange rates and interest rates of various financial products. The deposit permission / inhibition determining unit 4 determines whether the user can apply for a fixed deposit from these information and the information received from the automatic transaction apparatus 1. The deposit allowance / non-permission determination unit 4 and the account master database 5 are provided in the host computer 3.

Reference numeral 6 denotes a pre-registration information server which is installed in an office center of a financial institution such as a bank. The pre-registration information server 6 is connected to the host computer 3 and the automatic transaction apparatus 1 through the network 2 so as to be able to communicate with each other.
Reference numeral 7 denotes a pre-registration information management unit, which can search and extract a database provided in the storage unit based on certain information, and can transmit the extracted information to the automatic transaction apparatus 1. Moreover, the information received from the automatic transaction apparatus 1 and the host computer 3 can be stored in the database.

  The pre-registration information server 6 includes CPU (Central Processing Unit), MPU (Micro Processing Unit) and other calculation and control means, magnetic disk, storage means such as semiconductor memory, keyboard, mouse and other input means, CRT (Cathode Ray). Tube), display means such as a liquid crystal display, and communication means. It also has a calendar function and a clock function.

A pre-registration information database 8 is provided in the storage unit of the pre-registration information server 6. The pre-registration information database 8 stores user information, pre-registration information, etc. for each user, details of which will be described later. The pre-registration information management unit 7 and the pre-registration information database 8 are provided in the pre-registration information server 6.
In FIG. 2, the automatic transaction apparatus 1 includes a user operation display unit 21, a card reader printer unit 22, a deposit / withdrawal unit 23, a passbook unit 24, and a control unit 25.

The user operation display unit 21 has a touch panel disposed on a display unit such as a CRT display or a liquid crystal display so that the user can perform an input operation, etc. Also, a transaction selection screen, a transaction selected by the user A screen for guiding a user's input operation and the like, input information, and the like are displayed.
The card reader printer unit 22 reads user information such as an account number from the magnetic stripe or IC chip of the card inserted by the user from the card insertion slot, and prints the contents of the transaction performed by the user on the statement slip. Is. The card from which the account number and the like are read is discharged from the card discharge port and returned to the user, and the statement slip printed with the transaction contents is discharged from the statement slip discharge port and delivered to the user.

  The deposit / withdrawal unit 23 includes a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine, and performs a deposit / withdrawal process for banknotes and coins associated with transactions. Here, the deposit processing means that the banknotes inserted by the user into the banknote deposit / withdrawal slot are counted by the banknote deposit / withdrawal machine and stored in the safe, and the coins entered into the coin deposit / withdrawal slot are counted by the coin deposit / withdrawal machine. It is to be stored in. With the withdrawal process, banknotes and coins corresponding to the amount specified by the user's operation are fed out from the banknote deposit / withdrawal machine and coin deposit / withdrawal machine safe and counted to the banknote deposit / withdrawal slot and coin deposit / withdrawal slot. And paying out to users.

The bankbook unit 24 reads user information such as an account number from the magnetic stripe of the bankbook inserted by the user, and prints transaction contents and the like on the bankbook. The bankbook with the account number read and the transaction details printed out is discharged from the bankbook outlet and returned to the user.
Reference numeral 25 denotes a control unit, which includes a storage unit 251, an information transmission / reception unit 252, a pre-registration information processing unit 253, and the like. The control unit 25 controls the overall operation of the automatic transaction apparatus 1 including the user operation display unit 21, the card reader / printer unit 22, the deposit / withdrawal unit 23 and the passbook unit 24 based on software stored in the storage unit 251. .

The storage unit 251 is configured by a semiconductor memory, a magnetic disk, or the like, stores and stores information, and can read the stored information.
The information transmission / reception unit 252 is means for controlling communication with the host computer 3 and the pre-registration information server 6 connected via the network 2 and can transmit and receive arbitrary information.

The pre-registration information input processing unit 253 displays a guidance screen or the like for the user to input the pre-registration information on the user operation display unit 21, and inputs performed by the user's operation on the user operation display unit 21. It is a means to control.
In FIG. 3, the record of the pre-registration information database 8 is composed of user information 31 and pre-registration information 35. Furthermore, the user information 31 is composed of a financial institution code 32, a branch code 33 and an account number 34, and pre-registration. The information 35 includes a minimum balance 36 after deposit, a deposit amount 37, and a deposit period 38. This pre-registration information 35 is information for registering in advance conditions for a time deposit desired by the user.

The financial institution code 32 is identification information assigned to each financial institution. The branch code 33 is identification information for identifying each branch assigned by the financial institution. The account number 34 is a number for identifying an account held by the user. The financial institution code 32, the branch code 33, and the account number 34 are recorded on a magnetic stripe such as a card and a passbook possessed by the user.
The minimum balance 36 after deposit is information for registering in advance the minimum balance that the user wants to keep in his / her account after applying for a fixed deposit. The deposit amount 37 is an amount deposited in the time deposit when the user applies for a time deposit registered in advance. The deposit period 38 is a period for depositing in a time deposit when a user applies for a time deposit registered in advance. When the user has not set the pre-registration information 35 yet, the set balance is identified by setting all of the minimum post-deposit 36, the deposit amount 37, and the deposit period 38 to “0”. be able to.

The operation of the above-described configuration will be described in accordance with steps represented by S in the flowchart showing the first embodiment of FIG. The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).
First, the user information 31 and the pre-registration information 35 stored in the pre-registration information database 8 are operated by an operator such as a financial institution operating a terminal (not shown) by the user's application or by the user himself / herself. To set in advance. Note that details of a method in which the user himself / herself operates and sets the automatic transaction apparatus 1 will be described later.

  S401: The automatic transaction apparatus 1 detects that the user has approached by a sensor (not shown). When the automatic transaction apparatus 1 detects that the user has approached, the automatic transaction apparatus 1 displays an initial screen shown in FIG. 8 on the user operation display unit 21. The initial screen 80 includes a payment key 81 for selecting a transaction to be performed by the user, a balance inquiry key 82, a passbook entry key 83, a deposit key 84, a time deposit application key 85, and the like. The transaction can be started by pressing the desired key.

S402: When the key indicating the transaction desired by the user is pressed, the automatic transaction apparatus 1 displays a screen prompting the user to insert a transaction medium such as a card or a passbook, the card reader printer unit 22 is a card, and the passbook unit 24 is Wait for the passbook to be inserted.
S403: When a user inserts a card, the card reader printer unit 22 reads the user's user information recorded on the magnetic stripe of the card, such as a financial institution code, a branch code, an account number, etc. When the user inserts a bankbook, the bankbook 24 reads the financial institution code, the branch code, the account number, etc., which are the user information recorded on the magnetic stripe of the bankbook.

  Here, the user's personal identification number and the like are input by the user operation display unit 21, the personal identification number and the like are transmitted to the host computer 3, and identity verification is performed by the host computer 3 to confirm that the user is the principal. If this happens, the automatic transaction apparatus 1 proceeds with the transaction selected by the user. Since the selected transaction is a normal transaction such as withdrawal or deposit, detailed description thereof will be omitted.

S404: In parallel with the transaction processing performed by the automatic transaction apparatus 1 for the transaction selected by the user, the information transmitting / receiving unit 252 of the automatic transaction apparatus 1 includes the read user information from the automatic transaction apparatus shown in FIG. The communication information transmitted to the pre-registration information server is transmitted to the pre-registration information server 6.
Here, in FIG. 5, 51 is a header, which is a start code indicating the head of communication information. A transaction type 52 indicates a transaction selected by the user. 53 is a transaction amount, which is the amount designated by the transaction selected by the user. 54 is a financial institution code, 55 is a branch code, and 56 is an account number, which are a financial institution code, a branch code, and an account number read from a transaction medium inserted by the customer into the automatic transaction apparatus 1. A footer 57 is a final code indicating the end of the communication information.

S405: The pre-registration information management unit 7 of the pre-registration information server 6 searches the pre-registration information database 8 based on the received financial institution code 54, branch code 55, and account number 56, and extracts the corresponding pre-registration information 35. .
S406: The pre-registration information server 6 transmits the communication information transmitted from the pre-registration information server shown in FIG. 6 including the extracted pre-registration information 35 to the automatic transaction apparatus 1 to the automatic transaction apparatus 1.

Here, in FIG. 6, 61 is the minimum balance after deposit, which is the minimum balance 36 after deposit extracted from the pre-registration information database 8. Reference numeral 62 denotes a deposit amount, which is a deposit amount 37 extracted from the pre-registration information database 8. Reference numeral 63 denotes a deposit period, which is a deposit period 38 extracted from the pre-registration information database 8.
S407: The information transmitting / receiving unit 252 of the automatic transaction apparatus 1 transmits communication information transmitted from the automatic transaction apparatus shown in FIG. 6 including the received user information 31 and pre-registration information 35 to the host computer 3 to the host computer 3.

  S408: The deposit allowance determination unit 4 of the host computer 3 uses the account information of the user extracted by searching the account master database 5 based on the received user information 31, pre-registration information 35, and user information 31. It is determined whether or not the condition for applying for the time deposit registered by the person is met. Specifically, it is determined whether the amount obtained by subtracting the deposit amount 62 from the user's account balance is equal to or greater than the minimum balance 61 after deposit. If the deducted amount is equal to or greater than the minimum balance 61 after deposit, it is determined that a time deposit is possible, and if it is less than the minimum balance 61 after deposit, it is determined that a time deposit is impossible. If the user has not set the minimum balance, deposit period and deposit amount after depositing in advance, it is determined that time deposit is not possible.

S409: The host computer 3 transmits to the automatic transaction apparatus 1 the communication information transmitted from the host computer shown in FIG. Here, in FIG. 7, reference numeral 71 denotes a determination result, which is “possible” or “impossible” information that is the result determined in S <b> 408.
S410: The automatic transaction apparatus 1 can know from the received determination result 71 whether or not the user's account balance meets the conditions for applying for a time deposit.

  In the present embodiment, the account of the user extracted by searching the account master database 5 based on the user information 31, the pre-registration information 35 and the user information 31 received by the deposit permission determination unit 4 of the host computer 3. Although it is determined whether or not the condition for applying the time deposit by the user is met from the balance, the information transmitting / receiving unit 252 of the automatic transaction apparatus 1 receives the account balance of the user from the host computer 3, It may be determined whether or not the control unit 25 meets the conditions for applying for a time deposit.

  S411: When the account balance of the user meets the conditions for applying for a time deposit, the automatic transaction apparatus 1 displays the time deposit application confirmation screen 90 shown in FIG. To display. Here, in FIG. 9, reference numeral 91 denotes a deposit period display area, which displays a deposit period 63 that is a deposit period of a desired fixed deposit set in advance by the user. A deposit amount display area 92 displays a deposit amount 62 which is a deposit amount of a desired fixed deposit set in advance by the user.

  S412: The user confirms the deposit period and deposit amount displayed on the fixed deposit application confirmation screen 90, and presses a confirmation button 93 when applying for a fixed deposit. When the user presses the confirmation button 93, the automatic transaction apparatus 1 communicates with the host computer 3 to perform a time deposit application transaction. When the user presses the cancel button 94, the automatic transaction apparatus 1 does not perform a time deposit application transaction.

  S413: When the automatic transaction apparatus 1 communicates with the host computer 3 and completes the application for a fixed deposit, the transaction medium inserted by the user is returned and all transactions are terminated. Also, if the user's account balance does not meet the conditions for applying for a time deposit in S410, or if the user presses the cancel button 94 in S412, the automatic transaction apparatus 1 returns the transaction medium inserted by the user. Close all transactions.

Here, a method for registering in the pre-registration information database 8 the minimum post-deposit balance, deposit amount and deposit period of the time deposit desired by the user by operating the automatic transaction apparatus 1 will be described.
When the user presses the time deposit application key 85 on the initial screen 80 displayed on the user operation display panel 21, the automatic transaction apparatus 1 starts a time deposit application transaction. The user inputs the deposit period and deposit amount from the user operation display panel 21 and conducts a regular time deposit application transaction. After performing this normal time deposit application transaction, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 displays the time deposit application registration screen 100 shown in FIG. 10 on the user operation display unit 21.

  In FIG. 10, reference numeral 101 denotes a deposit period display area, which displays a deposit period entered by a user in a normal time deposit application transaction. Reference numeral 102 denotes a deposit amount display area, which displays the deposit amount entered by the user in a normal time deposit application transaction. When the deposit period displayed in the deposit period display area 101 and the deposit amount displayed in the deposit amount display area 102 are registered in the pre-registration information database 8 as they are, the user presses the “Register” button 103. When the “Register” button 103 is pressed, the deposit period and deposit amount displayed in the storage unit 251 of the automatic transaction apparatus 1 are stored.

If the user does not press the “Register” button 103 but presses the “Do not register” button 104, the automatic transaction apparatus 1 does not store the deposit period and deposit amount displayed in the storage unit 251 and does not store the regular period Close the deposit application transaction.
Next, after the user presses the “Register” button 103, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 displays the time deposit application registration screen 110 shown in FIG. 11 on the user operation display unit 21. . On this fixed deposit application registration screen 110, it is possible to select whether or not to register the minimum balance after deposit, which is the minimum balance left in the account after the user has performed a fixed deposit application transaction. The user presses the “Register” button 111 when registering, and the “Do not register” button 112 when not registering. When the user presses the “Register” button 111, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 displays the time deposit application registration screen 120 shown in FIG. 12 on the user operation display unit 21.

  In FIG. 12, reference numeral 121 denotes a minimum balance display area after deposit, which is an area for displaying the minimum balance after deposit input by the user. Reference numeral 122 denotes a numeric button which is used when the user inputs a minimum balance after depositing. Reference numeral 123 denotes a confirmation button, 124 denotes a correction button, and 125 denotes a cancel button. When the user inputs the minimum balance after deposit using the number button 122, the input amount is displayed in the minimum balance display area 121 after deposit, and when confirming and registering the input content, the confirmation button 123 is pressed.

  When the user presses the confirmation button 123, the information transmission / reception unit 252 of the automatic transaction apparatus 1 sends a command message to the pre-registration information database 8 to register the input minimum balance, deposit period and deposit amount in the pre-registration information database 8. Send. The pre-registration information server 6 that has received the message of this command is sent to the pre-registration information management unit 7 in the pre-registration information database 8 together with the user information 31 of the financial institution code 32, the branch code 33 and the account number 34, and the minimum balance 36 after deposit, Deposit amount 37 and deposit period 38 are registered.

The user presses the correction button 124 to correct the entered minimum balance after deposit. In addition, when canceling the registration of the application for the time deposit, the cancel button 125 is pressed.
Next, a description will be given of a case in which a deposit period and deposit amount different from the deposit period and deposit amount entered and registered in a normal time deposit application transaction previously performed by the user are described.
In the time deposit application registration screen 100 shown in FIG. 10, when the user presses the button 105 for correcting the application content, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 is displayed on the user operation display unit 21. A time deposit application registration screen 130 shown in FIG. 13 is displayed.

  In FIG. 13, reference numeral 131 denotes a deposit period display area, which displays a deposit period entered by a user in a normal time deposit application transaction. Reference numeral 132 denotes a deposit amount display area, which displays the deposit amount entered by the user in a normal time deposit application transaction. Reference numeral 133 denotes a numeric button which is used when the user inputs a deposit period, a deposit amount, and the like. Further, 134 is a confirmation button, 135 is a correction button, and 136 is a cancel button.

  When the user inputs the deposit period and deposit amount with the numeric buttons 133, the entered period and amount are displayed in the deposit period display area 131 and deposit amount display area 132. When the entered contents are confirmed and confirmed, a confirmation button is displayed. Press 134. When the user presses the confirmation button 134, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 displays the time deposit application registration screen 100 shown in FIG. 10 on the user operation display unit 21. Thereafter, the user continues the operation of registering the above-described time deposit application.

The user presses the correction button 135 to correct the entered deposit period and deposit amount. In addition, when canceling the registration of the application for the time deposit, the cancel button 136 is pressed.
By performing the above operations, the deposit amount 37, deposit period 38, and minimum balance 36 after deposit can be registered in the pre-registration information database 8 by the user.

As described above, in the first embodiment, by registering the minimum balance after deposit desired by the user, an account balance sufficient for the user can always be left after applying for a time deposit. The effect is obtained.
In addition, when there is a sufficient account balance for the user, an application for a time deposit is always invited, so that the user does not miss the opportunity to apply for a time deposit.

Furthermore, by registering the deposit period and deposit amount desired by the user in advance, it is possible to reduce the burden on the user to operate the automatic transaction apparatus and to shorten the transaction time.
FIG. 14 is an explanatory diagram of a pre-registration information database showing the second embodiment of the present invention. Note that parts similar to those of the first embodiment described above are denoted by the same reference numerals and description thereof is omitted.

In FIG. 14, the record of the pre-registration information database 8 is composed of user information 31 and pre-registration information 35, and the user information 31 is composed of a financial institution code 32, a branch code 33 and an account number 34, and is pre-registered. The information 35 includes a deposit amount 37, a deposit period 38, a salary transfer date 141, and a balance 142 the day before the salary transfer date.
The salary transfer date 141 is a monthly salary transfer date preset by the user. The balance 142 on the day before the salary transfer date is the account balance of the user acquired from the host computer 3 on the day before the salary transfer date 141.

The operation of the above configuration will be described. The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).
First, the user information 31 and the pre-registration information 35 stored in the pre-registration information database 8 are operated by an operator such as a financial institution operating a terminal (not shown) by the user's application or by the user himself / herself. To set in advance. Note that details of a method in which the user himself / herself operates and sets the automatic transaction apparatus 1 will be described later.

  The automatic transaction apparatus 1 detects that the user has approached by a sensor (not shown). When the automatic transaction apparatus 1 detects that the user has approached, the automatic transaction apparatus 1 displays an initial screen shown in FIG. 8 on the user operation display unit 21. The initial screen 80 includes a payment key 81 for selecting a transaction to be performed by the user, a balance inquiry key 82, a passbook entry key 83, a deposit key 84, a time deposit application key 85, and the like. The transaction can be started by pressing the desired key. The user presses a key indicating the desired transaction.

When the user presses a key indicating a desired transaction, the automatic transaction apparatus 1 displays a screen prompting the user to insert a transaction medium such as a card or a passbook, the card reader printer unit 22 is a card, and the passbook unit 24 is a passbook. Wait for insertion.
When the user inserts the card, the card reader / printer unit 22 reads the financial institution code, branch code, account number, etc., which is the user information recorded on the magnetic stripe of the card, etc. When the bankbook is inserted, the bankbook 24 reads the financial institution code, the branch code, the account number, etc., which are the user information recorded on the magnetic stripe of the bankbook.

  Here, the user's personal identification number and the like are input by the user operation display unit 21, the personal identification number and the like are transmitted to the host computer 3, and identity verification is performed by the host computer 3 to confirm that the user is the principal. If this happens, the automatic transaction apparatus 1 proceeds with the transaction selected by the user. Since the selected transaction is a normal transaction such as withdrawal or deposit, detailed description thereof will be omitted.

In parallel with the transaction processing performed by the automatic transaction apparatus 1 for the transaction selected by the user, the information transmitting / receiving unit 252 of the automatic transaction apparatus 1 pre-registers from the automatic transaction apparatus shown in FIG. 5 including the read user information of the user. Communication information transmitted to the information server is transmitted to the pre-registration information server 6.
The pre-registration information management unit 7 of the pre-registration information server 6 searches the pre-registration information database 8 based on the received financial institution code 54, branch code 55, and account number 56, and extracts the corresponding pre-registration information 35.

The pre-registration information server 6 transmits the communication information transmitted from the pre-registration information server shown in FIG. 16 including the extracted pre-registration information 35 to the automatic transaction apparatus 1 to the automatic transaction apparatus 1.
Here, in FIG. 16, 161 is a salary transfer date, which is the salary transfer date 141 extracted from the pre-registration information database 8. 162 is the balance on the day before the salary transfer date, and is the balance 142 on the day before the salary transfer date extracted from the pre-registration information database 8.

The information transmitting / receiving unit 252 of the automatic transaction apparatus 1 transmits to the host computer 3 communication information transmitted from the automatic transaction apparatus shown in FIG. 16 including the received user information 31 and pre-registration information 35 to the host computer.
The deposit allowance determination unit 4 of the host computer 3 searches the account master database 5 based on the received user information 31 and the pre-registration information 35 and the user information 31 and extracts the current account balance of the user (hereinafter referred to as “account balance”). , Simply referred to as “account balance”), it is determined whether or not the condition for the user to apply for a time deposit is met. Specifically, it is determined whether the balance 162 on the day before the user's salary transfer date is a deposit amount 62 or more and the user's account balance is a deposit amount 62 or more. If the balance 162 of the user's salary transfer day is greater than or equal to the deposit amount 62 and the account balance of the user is greater than or equal to the deposit amount 62, it is determined that a time deposit is possible; Judge that deposit is impossible. If the user does not set the deposit period, deposit amount, and salary transfer date in advance, it is determined that a fixed deposit is not possible.

  The host computer 3 transmits communication information transmitted from the host computer shown in FIG. 17 including the determination result to the automatic transaction apparatus 1 to the automatic transaction apparatus 1. Here, in FIG. 17, reference numeral 171 denotes a determination result, which is “possible” or “impossible” information that is the result of the above-described determination. The automatic transaction apparatus 1 can know from the received determination result 171 whether the conditions for applying for a time deposit are met.

  In the present embodiment, the account of the user extracted by searching the account master database 5 based on the user information 31, the pre-registration information 35 and the user information 31 received by the deposit permission determination unit 4 of the host computer 3. Although it is determined whether or not the condition for applying the time deposit by the user is met from the balance, the information transmitting / receiving unit 252 of the automatic transaction apparatus 1 receives the account balance of the user from the host computer 3, It may be determined whether or not the control unit 25 meets the conditions for applying for a time deposit.

  If the account balance on the day before the user's salary transfer date and the account balance meet the conditions for applying for a fixed deposit, the automatic transaction apparatus 1 displays the fixed deposit application confirmation screen 90 shown in FIG. 9 when the transaction selected by the user is completed. It is displayed on the user operation display board 21. Here, in FIG. 9, reference numeral 91 denotes a deposit period display area, which displays a deposit period 63 that is a deposit period of a desired fixed deposit set in advance by the user. A deposit amount display area 92 displays a deposit amount 62 which is a deposit amount of a desired fixed deposit set in advance by the user.

The user confirms the deposit period and deposit amount displayed on the fixed deposit application confirmation screen 90 and presses a confirmation button 93 when applying for a fixed deposit. When the user presses the confirmation button 93, the automatic transaction apparatus 1 communicates with the host computer 3 to perform a time deposit application transaction.
Thereafter, the automatic transaction apparatus 1 displays a time deposit application acceptance screen 180 shown in FIG. 18 on the user operation display unit 21. On this fixed deposit application acceptance screen 180, a message indicating that a fixed deposit application has been received is displayed, and whether or not to display a fixed deposit application until the next salary transfer date is selected. When the user presses the “Yes” button 181, the application for the fixed deposit is not displayed until the next salary transfer date, and when the user presses the “No” button 182, the application for the fixed deposit is displayed.

When the user presses the “Yes” button 181, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 sets the balance 142 on the day before the salary transfer date in the pre-registration information database 8 to “0”, for example, to make a time deposit. Set to not display the application.
When the user presses the cancel button 94 on the time deposit application confirmation screen 90, the automatic transaction apparatus 1 does not perform a time deposit application transaction.

  When the automatic transaction apparatus 1 communicates with the host computer 3 and completes the application for the fixed deposit, the transaction medium inserted by the user is returned and all transactions are terminated. In addition, even when the user's account balance does not meet the conditions for applying for a time deposit, or when the user presses the cancel button 94, the automatic transaction apparatus 1 returns the transaction medium inserted by the user for all transactions. Exit.

Here, a method of registering the deposit amount, deposit period, and salary transfer date of the time deposit desired by the user by operating the automatic transaction apparatus 1 in the pre-registration information database 8 and the day before the salary transfer date of the pre-registration information database 8 A method for registering the balance 142 will be described.
First, a method for registering the deposit amount, deposit period, and salary transfer date of the time deposit desired by the user in the pre-registration information database 8 will be described.

  When the user presses the time deposit application key 85 on the initial screen 80 displayed on the user operation display panel 21, the automatic transaction apparatus 1 starts a time deposit application transaction. The user inputs the deposit period and deposit amount from the user operation display panel 21 and conducts a regular time deposit application transaction. After performing this normal time deposit application transaction, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 displays the time deposit application registration screen 100 shown in FIG. 10 on the user operation display unit 21.

  When the deposit period displayed in the deposit period display area 101 and the deposit amount displayed in the deposit amount display area 102 are registered in the pre-registration information database 8 on the time deposit application registration screen 100, the user clicks the “Register” button 103. Press. When the “Register” button 103 is pressed, the deposit period and deposit amount displayed in the storage unit 251 of the automatic transaction apparatus 1 are stored.

If the user does not press the “Register” button 103 but presses the “Do not register” button 104, the automatic transaction apparatus 1 does not store the deposit period and deposit amount displayed in the storage unit 251 and does not store the regular period Close the deposit application transaction.
After the user presses the “Register” button 103, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 displays the time deposit application registration screen 190 shown in FIG. 19 on the user operation display unit 21. On this fixed deposit application registration screen 190, the user can select whether or not to register the salary transfer date, which is a fixed income, etc. every month. The user presses the “Register” button 191 when registering, and the “Do not register” button 192 when not registering. When the user presses the “register” button 191, the pre-registration information input processing unit 253 of the automatic transaction apparatus 1 displays the time deposit application registration screen 200 shown in FIG. 20 on the user operation display unit 21.

In FIG. 20, reference numeral 201 denotes a salary transfer date display area which displays the salary transfer date input by the user. When the user inputs the salary transfer date with the numerical buttons 133, the input date is displayed in the salary transfer date display area 201. When the input content is confirmed and registered, the confirmation button 134 is pressed.
When the confirmation button 134 is pressed, the information transmitting / receiving unit 252 of the automatic transaction apparatus 1 transmits a command message for registering the input deposit period, deposit amount and salary transfer date in the pre-registration information database 8 to the pre-registration information server 6. The pre-registration information server 6 that has received the message of this command, the pre-registration information management unit 7 adds the deposit amount 37 and the deposit period to the pre-registration information database 8 together with the user information 31 of the financial institution code 32, branch code 33 and account number 34 38 and salary transfer date 141 are registered.

The user presses the correction button 135 to correct the entered minimum balance after deposit. In addition, when canceling the registration of the application for the time deposit, the cancel button 136 is pressed.
By performing the above operations, the deposit amount 37, deposit period 38, and salary transfer date 141 of the time deposit desired by the user can be registered in the pre-registration information database 8.
Next, a method for registering the balance 142 on the day before the salary transfer date in the pre-registration information database 8 will be described in accordance with the steps represented by S in the flowchart showing the second embodiment in FIG.

S1501: The pre-registration information management unit 7 of the pre-registration information server 6 reads the user information 31 and the salary transfer date 141 of the pre-registration information database 8, and determines whether or not it is the day before the salary transfer date.
S1502: When it is determined that the day before the salary transfer date has come, the pre-registration information server 6 transmits the read user information 31 to the host computer 3.

S1503: The host computer 3 extracts the account balance of the user based on the received user information 31, and transmits it to the pre-registration information server 6.
S 1504: The pre-registration information management unit 7 of the pre-registration information server 6 registers the received account balance in the balance 142 on the day before the salary transfer date in the pre-registration information database 8.
In this way, the balance 142 of the day before the salary transfer date in the pre-registration information database 8 is registered.

As explained above, in the second embodiment, if the user registers the salary transfer date and the balance on the day before the salary transfer date exceeds the deposit amount of the registered time deposit, be sure to apply for the time deposit. As a result, the user will not miss the opportunity to apply for a time deposit.
In addition, after applying for a fixed deposit, the user must register not to display the fixed deposit application until the next salary transfer date, or register the deposit period and deposit amount desired by the user in advance. Thus, the burden on the user of operating the automatic transaction apparatus is reduced, and the effect that the transaction time is shortened can be obtained.

FIG. 21 is an explanatory diagram of a pre-registration information database showing the third embodiment of the present invention. The same parts as those in the first and second embodiments described above are denoted by the same reference numerals, and the description thereof is omitted.
In FIG. 21, the record of the pre-registration information database 8 is composed of user information 31 and pre-registration information 35, and the user information 31 is composed of a financial institution code 32, a branch code 33 and an account number 34, and is pre-registered. The information 35 includes a foreign currency type 211, an exchange rate 212, a deposit amount 37, and a deposit period 38.

The foreign currency type 211 is a foreign currency that the user desires to make a time deposit, and registers the type of foreign currency such as “American dollar”, “Australian dollar”, and “Euro”. The exchange rate 212 is registered when the user wishes to apply for a time deposit when the exchange rate 212 becomes cheaper than a certain exchange rate.
As in the first embodiment, the user information 31 registered in the pre-registration information database 8 and the pre-registration information 35 satisfy the condition that the current exchange rate is lower than the foreign currency type 211 and the exchange rate 212 registered by the host computer 3. It is determined whether or not to do so, and the result of the determination is transmitted to the automatic transaction apparatus 1. The automatic transaction apparatus 1 that has received the result of the determination performs a time deposit application transaction according to the result of the determination.

Note that it may be determined whether or not the foreign currency type 211 and exchange rate 212 registered by the automatic transaction apparatus 1 are satisfied by receiving the foreign currency type and exchange rate from the host computer 3.
As described above, in the third embodiment, by registering the foreign currency type and exchange rate desired by the user, application for a time deposit is always invited when the desired exchange rate condition is satisfied. The effect is that the user never misses the opportunity to apply for a time deposit.

Also, by registering the deposit period and deposit amount desired by the user in advance, the burden on the user of operating the automatic transaction apparatus is reduced, and the effect that the transaction time is shortened can be obtained.
FIG. 22 is an explanatory diagram of a pre-registration information database showing the fourth embodiment of the present invention. In addition, the same code | symbol is attached | subjected to the part similar to the 1st Example, 2nd Example, and 3rd Example mentioned above, and the description is abbreviate | omitted.

In FIG. 22, the record of the pre-registration information database 8 is composed of user information 31 and pre-registration information 35, and the user information 31 is composed of a financial institution code 32, a branch code 33 and an account number 34, and is pre-registered. The information 35 includes a minimum balance 36 after deposit, a deposit amount 37, and a deposit period 38.
The pre-registration information 35 can register a plurality of minimum post-deposit balances 221, deposit amounts 222, and deposit periods 223 with a minimum deposit balance 36, deposit amount 37 and deposit period 38 as a set.

  Similar to the first embodiment, the deposit permission determination unit 4 of the host computer 3 uses the user information 31 and the pre-registration information 35 registered in the pre-registration information database 8 to receive the user information 31 and the pre-registration information 35 and the use. It is determined whether or not a condition for applying for a time deposit registered by the user is satisfied from the account balance of the user extracted by searching the account master database 5 based on the user information 31.

The host computer 3 determines each of a plurality of minimum deposit balances 221, deposit amount 222, and deposit period 223, and transmits the results to the automatic transaction apparatus 1.
The automatic transaction apparatus 1 that has received the result of the determination displays the deposit amount 222 and the deposit period 223 that meet the conditions for applying for the time deposit registered by the user on the user operation display unit 21, and there are a plurality of them. The user selects a desired time deposit application from among the displayed time deposit applications. In addition, the deposit amount 222 and deposit period 223 that meet the conditions for applying for the time deposit registered by the user are displayed on the user operation display unit 21 with the highest interest rate, and the user applies for the time deposit. May be prompted. This interest rate is acquired from the host computer 3 when the automatic transaction apparatus 1 starts business.

  In the present embodiment, the account of the user extracted by searching the account master database 5 based on the user information 31, the pre-registration information 35 and the user information 31 received by the deposit permission determination unit 4 of the host computer 3. Although it is determined whether or not the condition for applying the time deposit by the user is met from the balance, the information transmitting / receiving unit 252 of the automatic transaction apparatus 1 receives the account balance of the user from the host computer 3, It may be determined whether or not the control unit 25 meets the conditions for applying for a time deposit.

As described above, in the fourth embodiment, it is possible to apply for a time deposit optimum for a user by registering a plurality of minimum balances after deposit, a deposit amount and a deposit period desired by the user. The effect is obtained.
Also, by registering the deposit period and deposit amount desired by the user in advance, the burden on the user of operating the automatic transaction apparatus is reduced, and the effect that the transaction time is shortened can be obtained.

Block diagram of system configuration showing first embodiment Block diagram of an automatic transaction apparatus showing a first embodiment Explanatory drawing of the pre-registration information database which shows a 1st Example Flowchart showing the first embodiment Explanatory drawing of the communication information transmitted to the prior registration information server from the automatic transaction apparatus which shows a 1st Example Explanatory drawing of the communication information transmitted from the pre-registration information server which shows a 1st Example to an automatic transaction apparatus, and an automatic transaction apparatus to a host computer Explanatory drawing of the communication information transmitted to the automatic transaction apparatus from the host computer which shows a 1st Example Explanatory drawing of the initial screen showing the first embodiment Explanatory drawing of the time deposit application confirmation screen showing the first embodiment Explanatory drawing of the time deposit application registration screen showing the first embodiment Explanatory drawing of the time deposit application registration screen showing the first embodiment Explanatory drawing of the time deposit application registration content change screen showing the first embodiment Explanatory drawing of the time deposit application registration content change screen showing the first embodiment Explanatory drawing of the pre-registration information database which shows a 2nd Example Flowchart showing the second embodiment Explanatory drawing of the communication information transmitted from the pre-registration information server which shows a 2nd Example to an automatic transaction apparatus, and from an automatic transaction apparatus to a host computer Explanatory drawing of the communication information transmitted to the automatic transaction apparatus from the host computer which shows a 2nd Example Explanatory drawing of the time deposit application acceptance screen showing the second embodiment Explanatory drawing of the time deposit application registration screen showing the second embodiment Explanatory drawing of the time deposit application registration content change screen showing the second embodiment Explanatory drawing of the pre-registration information database which shows a 3rd Example Explanatory drawing of the pre-registration information database which shows a 4th Example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Network 3 Host computer 4 Deposit permission determination part 5 Account master database 6 Preregistration information server 7 Preregistration information management part 8 Preregistration information database 21 User operation display part 22 Card reader printer part 23 Deposit / withdrawal part 24 Passbook unit 25 Control unit 251 Storage unit 252 Information transmission / reception unit 253 Pre-registration information input processing unit 31 User information 32, 54 Financial institution code 33, 55 Branch code 34, 56 Account number 35 Pre-registration information 36, 61, 221 After deposit Minimum balance 37, 62, 222 Deposit amount 38, 63, 223 Deposit period 51 Header 52 Transaction type 53 Transaction amount 57 Footer 71, 171 Judgment result 80 Transaction selection screen 90 Time deposit application confirmation screen 100, 110, 190 Time deposit Application registration screen 120, 130, 200 Time deposit application registration content change screen 141, 161 Salary transfer date 142, 162 Balance on the day before salary transfer date 180 Time deposit application acceptance screen 211 Foreign currency type 212 Exchange rate

Claims (6)

In an automatic transaction apparatus that acquires the account balance of the user after completing the transaction selected by the user's operation,
The user information read from the transaction medium inserted by the user is transmitted to the pre-registration information server, and the pre-registration information extracted from the pre-registration information database based on the user information is received from the pre-registration information server. An automatic transaction apparatus characterized by performing a time deposit application transaction based on the pre-registration information when it is determined from the registration information and the account balance of the user that a condition allowing a time deposit application transaction is satisfied. In the automatic transaction apparatus of Claim 1,
The pre-registration information is the minimum balance after deposit, deposit amount and deposit period,
2. An automatic transaction apparatus according to claim 1, wherein the time deposit application transaction is performed under the condition that an amount obtained by subtracting a deposit amount from a user account balance exceeds a minimum balance after deposit. In the automatic transaction apparatus of Claim 1,
The pre-registration information is a deposit amount, a deposit period, a salary transfer date and a balance on the day before the salary transfer date,
An automatic transaction apparatus characterized in that the balance on the day before the salary transfer date exceeds the deposit amount and the account balance of the user exceeds the deposit amount under the condition that the fixed deposit application transaction is possible. In the automatic transaction apparatus of Claim 1,
The pre-registration information is a foreign currency type, exchange rate, deposit amount and deposit period,
The automatic transaction apparatus characterized in that the current exchange rate is equal to or less than the exchange rate and the user's account balance exceeds the deposit amount as a condition for the fixed deposit application transaction. In the automatic transaction apparatus of Claim 1,
The pre-registration information is a minimum balance after deposit, a deposit amount and a deposit period,
Assuming that the term deposit application transaction is possible, the amount obtained by subtracting the deposit amount from the user's account balance for each minimum deposit amount and deposit amount exceeds the minimum deposit balance.
An automatic transaction apparatus characterized in that a user selects a time deposit application transaction from pre-registration information determined to be possible and makes a time deposit application transaction. In the automatic transaction apparatus according to claim 1 to claim 4 or claim 5,
The automatic transaction apparatus, wherein the pre-registration information is information input by a user from a user operation display unit.

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