JP2006330934A - Online transaction system, central processing unit, and automated teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an online transaction system enabling cash transactions even for automated teller machines that do not accept coins, a central processing unit, and an automated teller machine. <P>SOLUTION: When coin change results from a transaction accepted by an automated teller machine 1000 that does not accept coins, it is reported to the central processing unit 4000. The central processing unit 4000 stores in a storage means the amount of the coin change and information for authenticating the receiver of the change. The user can receive the coin change paid back, by inputting the authentication information to an automated teller machine 2000 that accepts coins, the authentication information being printed on a receipt outputted from the automated teller machine 1000. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an online transaction system, a central processing unit, and an automatic teller machine, and in particular, an online transaction system, a central processing unit, and an automatic teller machine that enable cash transactions even in an automatic teller machine that does not support coins. It is about.

  2. Description of the Related Art In recent years, bank counter operations have been automated, and most deposit transactions, deposit withdrawal transactions, and transfer transactions are performed by an automatic teller machine called ATM (Auto Teller Machine). In addition, many unattended banks have been created using automatic teller machines.

  There are two types of automatic teller machines, one corresponding to coins and the other not corresponding to coins. However, most of the automatic teller machines installed in unmanned stores are not compatible with coins. This is because there are no personnel who can quickly respond to coin jamming or coin replenishment. These non-coin automatic teller machines installed in these unmanned stores make it possible to withdraw cash without going to the main branch of the bank, which is very useful for users. However, since a coin change cannot be paid out, a cash transaction such as a cash transfer transaction cannot be performed.

  Not being able to conduct cash transactions such as cash transfer transactions with a non-coin automatic teller machine installed at many unmanned stores, etc. is not only inconvenient for users, but also a transaction fee. Loss of profit opportunities is a major loss for banks that are becoming more competitive with financial liberalization.

  As a solution to the problem of such a coin non-corresponding automatic teller machine, a method of transferring a change generated in a cash transaction to a user's account can be considered. For example, Patent Document 1 discloses a technique for transferring a change generated in a cash transaction to a user's account.

JP 2002-352174 A

  However, if the change generated by the cash transaction is transferred to the user's account, a transfer fee will be generated if the user's account is from another bank. In addition, a cash card or a passbook is required to identify the user's account, but it is unlikely that the user who conducts the cash transaction holds these.

  The present invention was made to solve the above-described problems caused by the prior art, and is an online transaction system, a central processing unit, and an automatic cash machine that enable cash transactions even in an automatic teller machine that does not support coins. The purpose is to provide a deposit machine.

  In order to solve the above-described problems and achieve the object, the present invention connects an automatic teller machine and a central processing unit that centrally controls transaction processing accepted by the automatic teller machine via a network. In the configured online transaction system, the automatic teller machine, when a change that cannot be paid out occurs as a result of the transaction accepted by the own device, notifies the central processing unit to that effect and cannot make a payment. A change depositing means for storing in the storage means information related to change and authentication information for authenticating the recipient of the change is provided.

  In addition, the present invention is a central processing unit that centrally controls transaction processing accepted in an automatic teller machine connected via a network, and notifies that change that cannot be paid out occurs in the accepted transaction. When receiving from one of the automatic teller machines, a recording unit that records information on the transaction in association with authentication information for authenticating the recipient of the change in a storage unit, When a notification of acceptance of input is received from one of the automatic teller machines, search means for searching information corresponding to authentication information from the storage means, and information corresponding to authentication information is searched by the search means And when the information is sent to the automatic teller machine as the notification source, it is provided with an erasure means for erasing the information.

  Further, the present invention is an automatic teller machine that performs transaction processing in cooperation with a central processing unit connected via a network, and changes that cannot be paid out occur as a result of transactions accepted by the own device. A change depositing means for notifying the central processing unit of the fact and storing the change information that cannot be paid out and the authentication information for authenticating the recipient of the change in the storage means. And

  According to these inventions, since the change information that could not be paid out in the cash transaction is configured to be recorded in the central processing unit together with the authentication information, the user can specify another authentication information by specifying the authentication information. It is possible to receive change at an opportunity, and it is possible to conduct a cash transaction in which a coin change is generated, such as a cash transfer transaction, even in an automatic teller machine that does not support coins.

  According to the present invention, since the change information that could not be paid out in the cash transaction is recorded in the central processing unit together with the authentication information, the user can specify another authentication opportunity by specifying the authentication information. It is possible to receive a change in cash, and it is possible to carry out a cash transaction in which a coin change such as a cash transfer transaction can be performed even in an automatic teller machine that does not support coins.

  Exemplary embodiments of an online transaction system, a central processing unit, and an automatic teller machine according to the present invention will be described below in detail with reference to the accompanying drawings.

  First, the outline | summary of the online transaction system which concerns on a present Example is demonstrated. FIG. 1 is an explanatory diagram for explaining the outline of the online transaction system according to the present embodiment. As shown in the figure, in the online transaction system according to the present embodiment, an automatic teller machine 1000, an automatic teller machine 2000, an information search terminal 3000, and a central processing unit 4000 are connected via a network 100. Take the configuration.

  The automatic teller machine 1000 is an automatic teller machine that does not support coins, and the automatic teller machine 2000 is an automatic teller machine that supports coins. The information search terminal 3000 is an information processing apparatus such as a personal computer that is installed in a main branch of a bank or the like and is used for searching for information stored in the central processing unit 4000. The central processing unit 4000 is an information processing device such as a host computer that centrally controls various transaction processes of the automatic teller machine 1000 and the automatic teller machine 2000.

  In FIG. 1, the automatic teller machine 1000, the automatic teller machine 2000, and the information retrieval terminal 3000 are illustrated as being connected to the network 100 one by one, but how many of these devices are connected. It does not matter.

  In the online transaction system according to the present embodiment, the user can perform a cash transaction in which a coin change such as a cash transfer transaction is generated even in the automatic teller machine 1000 that does not support coins. The flow of processing when a cash transfer transaction is performed in the automatic teller machine 1000 will be roughly described.

  It is assumed that a user makes a cash transfer transaction in the automatic teller machine 1000 and ¥ 1280 change is generated. At this time, refund is made on the spot for ¥ 1000 that can be refunded with banknotes, but no refund is made on the spot for ¥ 280 that cannot be refunded on banknotes, and the change deposit information database of the central processing unit 4000 Information indicating that a change of ¥ 280 has not been paid is recorded in 4220.

  Specifically, the change deposit information database 4220 records an ID for uniquely identifying the cash transfer transaction and the amount of unpaid change. In the example of FIG. 1, “000001” is recorded as an ID for identifying a cash transfer transaction, and “¥ 280” is recorded as the amount of unpaid change.

  The ID and the amount are also printed on a usage record (receipt) for notifying the user of the transfer result. Unpaid change is refunded when the user visits the location of the automatic teller machine 2000 that accepts coins at a later date. This refund is made when the user inputs the ID printed on the usage record into the automatic teller machine 2000 and matches the information in the change deposit information database 4220 of the central processing unit 4000.

  In the unlikely event that the user cannot receive a change refund due to the loss of the refusal of use, etc., the bank employee uses the information processing terminal 3000 to query the change deposit information database 4220 at the main branch of the bank. To respond.

  In this way, a mechanism is provided in which change information that cannot be paid out in cash transactions is recorded in the central processing unit 4000 together with authentication information, and change can be received at another opportunity by specifying this authentication information. Thus, even in the automatic coin dispenser 1000 that does not support coins, it is possible to conduct a cash transaction in which a coin change such as a cash transfer transaction occurs.

  Next, configurations of various apparatuses shown in FIG. 1 will be described. FIG. 2 is a functional block diagram showing the configuration of the automatic teller machine 1000 shown in FIG. The automatic teller machine 1000 is an automatic teller machine that cannot handle coins, and as shown in the figure, a control unit 1100, a cash deposit / withdrawal unit 1200, a network interface unit 1300, a display unit 1400, and an operation A printing unit 1600 and a printing unit 1600.

  The control unit 1100 is a control unit that controls the automatic teller machine 1000 as a whole, and includes a communication control unit 1110, a transaction processing unit 1120, and a change deposit processing unit 1130. The communication control unit 1110 is a control unit for exchanging various types of information with the central processing unit 4000 connected via a network. The transaction processing unit 1120 is a processing unit that processes a conventional transaction process.

  The change deposit processing unit 1130 is a processing unit for processing a cash transaction in which change cannot be paid out. Specifically, when it is found that a change that cannot be paid out occurs in a cash transaction such as a cash transfer transaction, the user is asked to consent to receive change at another automatic teller machine, and the consent is obtained. If it is, information related to the change that cannot be paid out is transmitted to the central processing unit 4000.

  When central processing unit 4000 receives information relating to change that cannot be paid out, it issues a unique identification number for identifying this information, stores it in the storage means as change deposit information in association with the received information, and issues The identification number is returned to the automatic teller machine 1000 as the information transmission source.

  When the change deposit processing unit 1130 receives a response from the central processing unit 4000, it prints the amount of change that cannot be paid out together with the cash transaction processing result and the identification number transmitted from the central processing unit 4000, and outputs it. To do.

  The identification number printed on the usage note functions as identification information for specifying the change deposit information stored in the central processing unit 4000 when the user receives change change at another automatic teller machine. At the same time, it functions as authentication information for proving that it is a valid recipient of change.

  In this embodiment, in order to improve the reliability of change recipient authentication, when change that cannot be paid out occurs, the change deposit processing unit 1130 prompts the user to input an authentication number, which is processed by the central processing. The central processing unit 4000 stores the authentication number together with the identification number in the storage unit. Then, when the change is paid out, the user is requested to input the identification number, the password, and the change amount, and the change is paid out when they all match.

  The cash deposit / withdrawal unit 1200 is a device that inputs and outputs cash, and includes a bill storage unit 1210 that stores bills, but does not have a storage unit that stores coins. The network interface unit 1300 is an interface unit for connecting to a network.

  The display unit 1400 is a device that displays a message or the like to the user, and the operation unit 1500 is a device that receives a user operation. The display unit 1400 and the operation unit 1500 may be an integrated device such as a touch panel. The printing unit 1600 is a device that prints a usage note or the like.

  FIG. 3 is a functional block diagram showing the configuration of the automatic teller machine 2000 shown in FIG. The automatic teller machine 2000 is an automatic teller machine capable of handling coins, and as shown in the figure, a control unit 2100, a cash deposit / withdrawal unit 2200, a network interface unit 2300, a display unit 2400, and an operation Part 2500 and printing part 2600.

  The control unit 2100 is a control unit that totally controls the automatic teller machine 2000, and includes a communication control unit 2110, a transaction processing unit 2120, and a change withdrawal processing unit 2130. The communication control unit 2110 is a control unit for exchanging various types of information with the central processing unit 4000 connected via a network. The transaction processing unit 2120 is a processing unit that processes a conventional transaction process.

  The change withdrawal processing unit 2130 is a processing unit that performs a change withdrawal process. Specifically, if the change withdrawal process is selected on the transaction selection screen, the authentication information is requested to input an identification number, a password, and a change amount, and the input authentication information is transmitted to the central processing unit 4000. . Then, if there is a refund permission response from the central processing unit 4000, a process of executing a change refund is performed.

  The cash deposit / withdrawal unit 2200 is a device that inputs and outputs cash, and includes a bill storage unit 2210 that stores bills and a coin storage unit 2220 that stores coins. The network interface unit 2300 is an interface unit for connecting to a network.

  The display unit 2400 is a device that displays a message or the like to the user, and the operation unit 2500 is a device that receives a user operation. The display unit 2400 and the operation unit 2500 may be an integrated device such as a touch panel. The printing unit 2600 is a device that prints a usage note or the like.

  Since the information search terminal 3000 is an information processing apparatus such as a general personal computer, a detailed description thereof is omitted.

  FIG. 4 is a functional block diagram showing the configuration of the central processing unit 4000 shown in FIG. As shown in the figure, the central processing unit 4000 includes a control unit 4100, a storage unit 4200, and a network interface unit 4300.

  The control unit 4100 is a control unit that totally controls the central processing unit 4000, and includes a communication control unit 4110, a transaction processing unit 4120, a change deposit information recording processing unit 4130, a deposit ID generation unit 4140, and a change deposit information search. It has a processing unit 4150 and a change deposit information application processing unit 4160. The communication control unit 4110 is a control unit for exchanging various types of information with various devices connected via a network. The transaction processing unit 4120 is a processing unit that processes transaction processing that has conventionally existed.

  The change deposit information recording processing unit 4130 causes the deposit ID generation unit 4140 to generate a unique identification number when receiving a notification from the automatic teller machine such as the automatic teller machine 1000 that the change cannot be paid out. It is a processing unit that records it in the change deposit information database 4220 of the storage unit 4200 together with the notified information and responds an identification number to the automatic teller machine of the notification source. The deposit ID generation unit 4140 is a processing unit that generates a deposit ID that is a unique identification number in accordance with a request from the change deposit information recording processing unit 4130.

  When the change deposit information search processing unit 4150 receives a change withdrawal request message including authentication information of change deposit information from an automatic teller machine such as the automatic teller machine 2000, the change deposit information search unit 4150 searches the change deposit information database 4220 for the corresponding information. The processing unit responds to the automatic teller machine of the transmission source whether or not the corresponding information exists. When the corresponding information exists, the change deposit information application processing unit 4160 performs a process of deleting the information.

  Further, when the change deposit information search processing unit 4150 receives a change request information inquiry message for the change deposit information from the information search terminal 3000, the change deposit information search processing unit 4150 searches the change deposit information database 4220 for information that matches the search condition included in the inquiry request message. Also responds.

  The storage unit 4200 is a storage unit that stores various types of information, and includes a transaction information database 4210 and a change deposit information database 4220. The transaction information database 4210 is a database that stores information related to transaction processing that has conventionally existed. The change deposit information database 4220 is a database that stores information relating to transactions in which change payment has not been completed in the automatic teller machine.

  Here, the data structure of the change deposit information database 4220 will be described with an example. FIG. 5 is a sample diagram showing an example of the data configuration of the change deposit information database 4220. As shown in the figure, the change deposit information database 4220 has data items such as deposit ID, transaction date and time, ATM store number, ATM machine number, change deposit amount, PIN, and contact phone number, one for each transaction. Records are created.

  The deposit ID is an identification number generated by the deposit ID generation unit 4140. The transaction date and time is the date and time when the transaction is processed in the automatic teller machine. The ATM store number and the ATM machine number are the number of the store where the automated teller machine where the transaction was performed and the identification number of the automated teller machine. The change deposit amount is the amount of change that has not been paid in the transaction. The personal identification number is a personal identification number entered by the user, and the contact telephone number is a telephone number for contacting the user.

  Returning to the description of FIG. 4, the network interface unit 4300 is an interface unit for connecting to a network.

  Next, processing procedures of the various apparatuses shown in FIG. 1 will be described. FIG. 6 is a flowchart showing a processing procedure of the automatic teller machine 1000. As shown in the figure, the automatic teller machine 1000 first displays a transaction selection screen and waits for a user's operation (step S101). If a transaction other than the transfer transaction is selected (No at Step S102), the transaction is processed as usual.

  When a transfer transaction is selected on the transaction selection screen (Yes at Step S102), it is confirmed whether or not the own device supports coin change, and when the own device supports coin change (Yes at Step S103). ), Execute the conventional transfer transaction processing.

  If the device does not support coin change (No at Step S103), a transfer method selection screen is displayed (Step S104). As shown in FIG. 7, the transfer method selection screen displayed here displays a message indicating that the coin change will be paid out by another automatic teller machine in addition to the button for selecting the transfer method.

  If a transfer method other than cash transfer is selected on this transfer method selection screen (No at step S105), the conventional transfer transaction process is executed. When cash transfer is selected on the transfer method selection screen (Yes at step S105), a principal information confirmation screen is displayed (step S106). As shown in FIG. 8, the personal information confirmation screen prompts the user to input a personal identification number for identifying the person and a contact telephone number when the person needs to be contacted.

  If a personal identification number and a contact telephone number are input on the personal information confirmation screen, a transfer destination input screen is displayed and information on the transfer destination is input (step S107). If it is stated on the transfer method selection screen that the user owns the transfer card in which the transfer destination information is recorded, the transfer card is read here instead of asking for input of information.

  If the input of the transfer destination information is completed, the transfer amount input screen is displayed and the user inputs the transfer amount (step S108), and then the transfer destination information and the transfer amount are transmitted to the central processing unit 4000. Then, it requests the transfer destination account confirmation and transfer fee search and transmission (step S109).

  When the transfer destination account existence confirmation and transfer fee acquisition are completed, the client name input screen is displayed and the name of the client is input (step S110), and then the transfer content confirmation screen is displayed and the transaction content is displayed. Is requested from the user (step S111).

  If the transaction content is confirmed on the transfer content confirmation screen, cash is received from the user (step S112). Here, when the amount of money to be inserted is insufficient (Yes at step S113), the request for cash is again made.

  When the acceptance of the cash is completed, the change amount is calculated by subtracting the transfer amount and the transfer fee from the input amount (step S114), and an amount confirmation screen is displayed to ask the user to confirm the input amount ( Step S115). As shown in FIG. 9, the money amount confirmation screen displays bill change and coin change separately to clearly indicate change that cannot be paid out.

  If confirmation of the input amount etc. is obtained on the amount confirmation screen, the cash transfer request message is edited (step S118). This cash transfer request message is obtained by editing transfer destination information, client information, transfer amount, and the like in a predetermined format. Here, when coin change occurs due to the transaction (Yes at Step S116), the PIN, the contact phone number of the client, the change amount that needs to be paid in coins, the transaction processing date and time, A change deposit data header (DH) obtained by editing the store number and machine number of the automatic teller machine in a predetermined format is added to the cash transfer request message (step S117).

  If the editing of the cash transfer request message is completed, it is sent to the central processing unit 4000 and a response is waited (step S119). Then, if there is a response from the central processing unit 4000 indicating that the transfer process has been completed normally, it is confirmed whether or not a bill change has occurred, and if it has occurred (Yes in step S120), it is paid out. Bills are counted (step S121).

  Then, the result of the transaction is printed on the usage record. As shown in FIG. 10, when a coin change is generated, the coin change is printed as an unpaid change in the usage record. Further, the deposit ID included in the response from the central processing unit 4000 is printed on the usage record (step S122).

  If the above process is completed, the change of banknotes and a copy of the usage will be output to complete the series of processes (step S123).

  FIG. 11 is a flowchart showing a processing procedure of the automatic teller machine 2000. As shown in the figure, the automatic teller machine 2000 first displays a transaction selection screen and waits for a user operation (step S201). The transaction selection screen displayed here can select a change-back transaction as shown in FIG. If a transaction other than the change withdrawal transaction is selected on this screen (No at Step S202), the transaction is processed as usual.

  If a change withdrawal transaction is selected on the transaction selection screen (No at step S202), a change withdrawal input screen is displayed (step S203). As shown in FIG. 13, the change withdrawal input screen asks for the input of the change amount and deposit ID printed on the usage note and the password entered by the user during the transfer transaction.

  If all the information is entered on the change withdrawal input screen, the entered information is edited into a predetermined format to create a change withdrawal request message (step S204), which is transmitted to the central processing unit 4000. A response is awaited (step S205).

  When there is a response permitting change refund from the central processing unit 4000 (Yes at Step S206), the change is counted (Step S207), a usage note is printed (Step S208), and a change and a usage note are output. Thus, a series of processing is completed (step S209). If there is a response from the central processing unit 4000 rejecting the change change (No at Step S206), the handling impossible screen is displayed and the process is completed (Step S210). For example, as shown in FIG. 14, a message prompting an inquiry to the window is displayed on the unusable screen.

  FIG. 15 is a flowchart showing a processing procedure of the information search terminal 3000. As shown in the figure, first, the information search terminal 3000 displays a change deposit information inquiry screen and waits for input of search conditions for searching for change deposit information stored in the central processing unit 4000 (step S301). ). For example, as shown in FIG. 16, the change deposit information inquiry screen is a screen on which any one of the data items of the change deposit information database 4220 can be designated as a search condition.

  If a search condition is input on the change deposit information inquiry screen, the input search condition is edited into a predetermined format to create a change deposit information inquiry message (step S302), and this is transmitted to the central processing unit 4000. Then, it waits for a response (step S303).

  If there is a response, the contents are displayed on the inquiry result display screen (step S304). The inquiry result display screen displays, for example, a list of change deposit information that matches the search conditions, as shown in FIG.

  18 to 20 are flowcharts showing the processing procedure of the central processing unit 4000. As shown in the figure, the central processing unit 4000 waits for a request message from an automatic teller machine or an information retrieval terminal, and when a request message is received, executes a process according to the request message and requests a result. Process to send back as a response message to the original.

  A request message is received (step S401), and if it is a cash transfer request message (Yes at step S402), it is confirmed whether or not a change deposit data header is included in the cash transfer request message. Here, when the change deposit data header is not included (No at Step S403), the conventional cash transfer process is performed to complete the process.

  When the change deposit data header is included in the cash transfer request message (Yes at step S403), after performing the cash transfer process (step S404), a deposit ID is generated, and the various changes included in the change deposit data header The information is recorded in the change deposit information database 4220 together with the information (step S405). Then, the response message including the generated deposit ID is edited (step S406) and transmitted to the request source (step S407).

  When the request message is received (step S401) and it is a change withdrawal request message (No at step S402, step S408 is affirmative), the change deposit information database 4220 is stored using the deposit ID included in the request message as a search key. Search is performed (step S409).

  Here, if the corresponding data exists (Yes in step S410), the data and the password of the request message match (Yes in step S411), and if the data and the change amount of the request message match (step S411) (S412 affirmation), edits the message which permits refund of change (step S413), transmits this to the requester (step S414), and deletes the corresponding data from the change deposit information database 4220, etc. Step S415).

  If any of the conditions in steps S410 to S412 is not satisfied, a message that refuses change change is edited (step S416), and this is transmitted to the requester (step S417).

  If the request message is received (step S401) and it is a change deposit information inquiry request message (step S402 negative, step S408 negative, step S418 affirmative), data matching the search condition included in the request message Is searched from the change deposit information database 4220 (step S419), the message storing the search result is edited (step S420), and this is transmitted to the request source (step S421).

  If a request message other than the above is received (No at Step S402, No at Step S408, No at Step S418), the conventional transaction processing corresponding to the message is performed.

  Various processes of the central processing unit 4000 described in the above embodiment can be realized by executing an online transaction program prepared in advance by a computer. In the following, an example of a computer that executes an online transaction program will be described with reference to FIG.

  FIG. 21 is a functional block diagram showing a computer that executes an online transaction program. The computer 5000 includes an input device 5010 that receives data input from a user, a monitor 5020, a medium reading device 5030 that reads a program from a recording medium that records various programs, a RAM (Random Access Memory) 5040 that temporarily stores various information, A network interface 5050 that exchanges data with other computers via a network, an HDD (Hard Disk Drive) 5060, and a CPU (Central Processing Unit) 5070 are connected by a bus 5080.

  The HDD 5060 stores an online transaction program 5060c that is a program that exhibits the same function as that of the central processing unit 4000. The HDD 5060 also stores a transaction information database 5060a corresponding to the transaction information database 4210 of FIG. 4 and a change deposit information database 5060b corresponding to the change deposit information database 4220.

  The transaction information database 5060a and the change deposit information database 5060b may be appropriately integrated or distributed.

  The CPU 5070 reads the online transaction program 5060c from the HDD 5060 and executes it, so that the program functions as the online transaction process 5070a. This online transaction process 5070a corresponds to the control unit 4100 shown in FIG.

  Further, the CPU 5070 reads out necessary information from the transaction information database 5060a and the change deposit information database 5060b of the HDD 5060, stores it in the RAM 5040 as the transaction information data 5040a and the change deposit information data 5040b, and the transaction information data stored in the RAM 5040. Various data processing is executed based on 5040a and change deposit information data 5040b.

  Note that the above-described online transaction program 5060c is not necessarily stored in the HDD 5060, and the computer 5000 may read and execute the online transaction program 5060c stored in a storage medium such as a CD-ROM. Good. In addition, the online transaction program 5060c is stored in another computer (or server) connected to the computer 5000 via a public line, the Internet, a LAN, a WAN, etc., and the computer 5000 reads and executes the program from these. You may do it.

  As described above, in this embodiment, since the change information that could not be paid out in the cash transaction is recorded in the central processing unit together with the authentication information, the user designates this authentication information. Therefore, it is possible to receive change at another opportunity, and it is possible to perform a cash transaction in which a coin change such as a cash transfer transaction occurs even in an automatic teller machine that does not support coins.

  In the present embodiment, when coin change is generated in a coin non-corresponding automatic teller machine, the change information is stored in the central processing unit and refunded at another opportunity. The change processing method according to the above can also be applied to a case where change cannot be paid out due to a lack of cash or the like in an automatic teller machine including a coin corresponding type.

  Further, in this embodiment, the authentication information for authenticating the recipient of the unpaid change is configured to be printed in a copy of use. However, the authentication information is stored in a recording medium such as a transfer card, and the change is refunded. You may comprise so that authentication information may be read from a storage medium in the case of a process.

  Further, in the present embodiment, it is configured that the unpaid change is received by the automatic teller machine, but the unpaid change may be received by other means.

(Appendix 1) An online transaction system configured by connecting an automatic teller machine and a central processing unit that centrally controls transaction processing accepted by the automatic teller machine via a network,
The automatic teller machine, when a change that cannot be paid out occurs as a result of the transaction accepted by the self-device, notifies the central processing unit to that effect, and information on the change that cannot be paid out, An online transaction system comprising: change depositing means for storing authentication information for authenticating a recipient in a storage means.

(Supplementary note 2) The online transaction system according to supplementary note 1, wherein the change deposit means includes a password entered by a user as a part of authentication information for authenticating a change recipient.

(Supplementary note 3) The online transaction system according to Supplementary note 1 or 2, wherein the change depositing means outputs the authentication information included in a usage record indicating a result of the transaction.

(Appendix 4) A central processing unit that centrally controls transaction processing accepted in an automated teller machine connected via a network,
When a notice that change that cannot be paid out occurs in one of the accepted transactions is received from one of the automatic teller machines, information related to the transaction and authentication information for authenticating the recipient of the change Recording means for recording in the storage means in correspondence;
A search means for searching for information corresponding to the authentication information from the storage means when receiving a notification that the input of the authentication information has been received from one of the automatic teller machines;
A search means for searching for information corresponding to the authentication information, and when the information is returned to the automatic teller machine to which the notification is made, a central means comprising: Processing equipment.

(Supplementary note 5) When receiving a notification from one of the automatic teller machines that a change that cannot be paid out occurs in an accepted transaction, an identification number generation for generating a unique identification number for identifying the transaction The central processing unit according to appendix 4, further comprising means.

(Appendix 6) An automatic teller machine that performs transaction processing in cooperation with a central processing unit connected via a network,
When change that cannot be paid out occurs as a result of the transaction accepted by the own device, the central processing unit is notified to that effect, and information relating to the change that cannot be paid out and authentication for authenticating the recipient of this change An automatic teller machine comprising change depositing means for storing information in a storage means.

(Supplementary note 7) The automatic teller machine according to supplementary note 6, wherein the change depositing means includes a password entered by a user as part of authentication information for authenticating a change recipient.

(Supplementary note 8) The automatic teller machine according to supplementary note 6 or 7, wherein the change depositing means outputs the authentication information included in a usage record indicating a result of a transaction.

(Additional remark 9) The said change deposit means gives consent to paying out change from another automatic teller machine, when change which cannot be paid out occurs as a result of the transaction accepted by its own device. The automated teller machine according to appendix 6, 7 or 8, characterized in that it is obtained.

(Appendix 10) An online transaction program for centrally controlling transaction processing accepted in an automated teller machine connected via a network,
When a notice that change that cannot be paid out occurs in one of the accepted transactions is received from one of the automatic teller machines, information related to the transaction and authentication information for authenticating the recipient of the change A recording procedure for recording in the storage means in correspondence;
A search procedure for searching for information corresponding to the authentication information from the storage means when receiving a notification that the input of the authentication information has been received from one of the automatic teller machines;
The information corresponding to the authentication information is searched by the search procedure, and when the information is responded to the automatic teller machine of the notification source, the computer executes an application procedure for deleting the information. Online trading program.

  As described above, the online transaction system, the central processing unit, and the automatic teller machine according to the present invention are useful for online transactions, and particularly enable cash transactions even in an automatic teller machine that does not support coins. It is suitable when it is necessary.

It is explanatory drawing for demonstrating the outline | summary of the online transaction system which concerns on a present Example. It is a functional block diagram which shows the structure of the automatic teller machine 1000 shown in FIG. It is a functional block diagram which shows the structure of the automatic teller machine 2000 shown in FIG. It is a functional block diagram which shows the structure of the central processing unit 4000 shown in FIG. It is a sample figure which shows an example of a data structure of a change deposit information database. It is a flowchart which shows the process sequence of the automatic teller machine 1000. It is a sample figure which shows an example of the transfer method selection screen. It is a sample figure which shows an example of a personal identification information input screen. It is a sample figure which shows an example of a money amount confirmation screen. It is a sample figure which shows an example of a usage refusal. It is a flowchart which shows the process sequence of the automatic teller machine 2000. It is a sample figure which shows an example of a transaction selection screen. It is a sample figure which shows an example of a change payment input screen. It is a sample figure which shows an example of a handling impossible screen. 10 is a flowchart illustrating a processing procedure of the information search terminal 3000. It is a sample figure which shows an example of a change deposit information inquiry screen. It is a sample figure which shows an example of an inquiry result display screen. It is a flowchart which shows the process sequence of the central processing unit 4000. It is a flowchart which shows the process sequence of the central processing unit 4000. It is a flowchart which shows the process sequence of the central processing unit 4000. It is a functional block diagram which shows the computer which performs an online transaction program.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 Network 1000 Cash dispenser 1100 Control part 1110 Communication control part 1120 Transaction processing part 1130 Change deposit processing part 1200 Cash deposit / withdrawal part 1210 Bill storage part 1300 Network interface part 1400 Display part 1500 Operation part 1600 Printing part 2000 Automatic cash dispenser 2100 Control unit 2110 Communication control unit 2120 Transaction processing unit 2130 Change payment processing unit 2200 Cash deposit / withdrawal unit 2210 Bill storage unit 2220 Coin storage unit 2300 Network interface unit 2400 Display unit 2500 Operation unit 2600 Printing unit 3000 Central processing unit 4100 Control Unit 4110 communication control unit 4120 transaction processing unit 4130 change deposit information recording processing unit 4140 deposit ID generation unit 4150 change deposit information search processing unit 4160 change deposit Distribution clearing processing section 4200 storage section 4210 transaction information database 4220 change deposit information database 4300 network interface unit 5000 computer 5010 input device 5020 monitor 5030 medium reading device 5040 RAM
5040a Transaction information data 5040b Change deposit information data 5050 Network interface 5060 HDD
5060a Transaction information database 5060b Change deposit information database 5060c Online transaction program 5070 CPU
5070a Online transaction process 5080 Bus

Claims (3)

An online transaction system comprising an automatic teller machine and a central processing unit that centrally controls transaction processing accepted in the automatic teller machine via a network,
The automatic teller machine, when a change that cannot be paid out occurs as a result of the transaction accepted by the self-device, notifies the central processing unit to that effect, and information on the change that cannot be paid out, An online transaction system comprising: change depositing means for storing authentication information for authenticating a recipient in a storage means. A central processing unit that centrally controls transaction processing accepted in an automated teller machine connected via a network,
When a notice that change that cannot be paid out occurs in one of the accepted transactions is received from one of the automatic teller machines, information related to the transaction and authentication information for authenticating the recipient of the change Recording means for recording in the storage means in correspondence;
A search means for searching for information corresponding to the authentication information from the storage means when receiving a notification that the input of the authentication information has been received from one of the automatic teller machines;
A search means for searching for information corresponding to the authentication information, and when the information is returned to the automatic teller machine to which the notification is made, a central means comprising: Processing equipment. An automatic teller machine that performs transaction processing in cooperation with a central processing unit connected via a network,
When change that cannot be paid out occurs as a result of the transaction accepted by the own device, the central processing unit is notified to that effect, and information relating to the change that cannot be paid out and authentication for authenticating the recipient of this change An automatic teller machine comprising change depositing means for storing information in a storage means.

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