JP2006350582A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To accept a medium corresponding to a plurality of accounts, and to estimate accounts of the transfer origin and transfer destination of a capital by acquiring the account information of the account, and to display the transfer direction of money in order to enable a customer to select it for making it unnecessary for the customer to input the information of a financial institute name, a branch office name or an account number or the like when performing processing to transfer money between the plurality of accounts, and for enabling a customer to perform processing to easily and surely transfer money in a short time. <P>SOLUTION: This automatic transaction device is provided with a control means for estimating the transfer direction of money when performing transaction to transfer money between a plurality of accounts. An operation means displays the account information of each account specified based on data stored in a medium corresponding to each account read by a medium handling means and displays the transfer direction of money estimated by the control means to enable a customer to select it. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus.

  Conventionally, in financial institutions such as banks, credit unions, post offices, etc., a customer opens an account in the financial institution, and performs various financial transactions such as deposit, withdrawal, transfer, transfer, balance inquiry related to the account. It has become. By the way, when transferring an arbitrary amount of funds set by a customer between multiple accounts managed by the customer, firstly, a method of withdrawing cash from the source account and depositing the withdrawn cash into the destination account is considered. It is done. However, in this case, cash withdrawal occurs, and time and labor are required. Therefore, using a transfer processing function provided in an automatic transaction apparatus such as an ATM (Automatic Teller Machine) or a CD (Cash Dispenser) installed at a branch of a financial institution, the transfer source It is generally known that inter-account transactions can be simplified by transferring money from one account to another account.

In this case, the customer uses a medium such as a cash card corresponding to each account managed by the customer, and operates the screen displayed on the customer operation unit of the automatic transaction apparatus to move the destination account from the source account. It can be transferred to an account (see, for example, Patent Documents 1, 2, and 3).
JP 7-85189 A Japanese Patent No. 3526664 JP 2001-175790 A

  However, in the conventional automatic transaction apparatus, when the amount is transferred between a plurality of accounts managed by the customer by a transfer process, when inputting and specifying the transfer destination, the name of the transfer destination financial institution, branch Since it is necessary to input the name and account number, the operation takes time. Furthermore, an input error may occur.

  The present invention solves the problems of the conventional automatic transaction apparatus, accepts a medium corresponding to a plurality of accounts, obtains account information of the account, estimates a source account and a destination account of funds, By displaying the transfer direction of funds in a selectable manner by the customer, it is not necessary to input information such as financial institution name, branch name, account number, etc. when performing the process of transferring funds between multiple accounts. However, an object of the present invention is to provide an automatic transaction apparatus capable of performing a process of moving funds easily and reliably in a short time.

  Therefore, the automatic transaction apparatus of the present invention is an automatic transaction apparatus having medium handling means for handling a medium corresponding to an account opened in a financial institution, and operation means having a display function and an input function. Control means for estimating the direction of movement of funds when performing a transaction for transferring funds between the accounts, and the operation means stores data stored in a medium corresponding to each account read by the medium handling means. While displaying the account information of each account specified based on it, it displays so that the movement direction of the money estimated by the said control means can be selected.

  In another automatic transaction apparatus of the present invention, the control means estimates the movement direction of the funds based on the order in which the medium handling means handles the media.

  In still another automatic transaction apparatus according to the present invention, the control means further estimates the movement direction of the funds based on a password entered by the operation means.

  In still another automatic transaction apparatus according to the present invention, the control means estimates the movement direction of the funds in consideration of erroneous input of the password.

  According to the present invention, in the automatic transaction apparatus, a medium corresponding to a plurality of accounts is received, the account information of the accounts is acquired to estimate the fund transfer source and transfer destination accounts, and the transfer direction of the funds is determined by the customer. Is displayed so that it can be selected. Therefore, when transferring funds between multiple accounts, there is no need to input information such as financial institution names, branch names, account numbers, etc., and customers can transfer funds easily and reliably in a short time. Can be performed.

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

  FIG. 1 is a block diagram showing the configuration of the automatic transaction apparatus according to the first embodiment of the present invention.

  In the figure, 11 is an automatic transaction apparatus such as ATM, CD, etc. installed at a branch of a financial institution such as a bank, a credit union, a post office, etc. It is a device for using financial services such as withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. The automatic transaction apparatus 11 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 11 is a multi-function terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. There may be. The customer is a person who opens his / her own account at a financial institution and uses the financial service, and is generally an individual, but may be a company, an organization, or the like.

  Reference numeral 14 denotes a card reader printer unit as medium handling means, which reads and writes magnetic data on a cash card or the like (hereinafter referred to as “card”) as a medium inserted by a customer from a card slot (not shown). The card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to customers by financial institutions, such as customer name, financial institution name, store number, account number, etc. A magnetic stripe is provided for storing data such as account data and personal identification number as magnetic data. The card may be an IC card including an IC. In this case, data such as account information is stored as electronic data in the IC. Further, the card reader printer unit 14 has a specification in which details of the transaction are described, that is, a mechanism for printing a receipt, and a mechanism capable of holding the card accepted by the automatic transaction apparatus 11 and the like.

  Reference numeral 15 denotes a passbook entry section serving as medium handling means, which prints the transaction contents on a passbook as a medium inserted by a customer from a passbook slot (not shown). Here, the bankbook is a booklet medium such as a bankbook issued by a financial institution to customers, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing account data such as a customer's name, financial institution name, branch name, and account number, and data such as a personal identification number as magnetic data. The passbook entry unit 15 has a mechanism capable of reading and writing magnetic data in the passbook and a mechanism capable of holding the passbook accepted by the automatic transaction apparatus 11.

  Furthermore, 16 is a banknote depositing / withdrawing part, and has a mechanism for a customer to take in and out banknotes and a mechanism for counting banknotes in the automatic transaction apparatus 11. Then, the banknotes received from a banknote deposit / withdrawal port (not shown) in a financial transaction such as deposit are received and counted, and a predetermined amount of banknotes is paid out from the banknote deposit / withdrawal port in a financial transaction such as withdrawal.

  Reference numeral 21 denotes a coin deposit / withdrawal unit, which has a mechanism for a customer to put coins in and out of the automatic transaction apparatus 11 and a mechanism for counting coins in the automatic transaction apparatus 11. Then, in the financial transaction such as deposit, the customer receives and counts the coins deposited from a coin deposit / withdrawal port (not shown), and pays out a predetermined amount of coins from the coin deposit / withdrawal port in the financial transaction such as withdrawal.

  A communication unit 25 is connected to the host computer 12 as a billing system managed by the financial institution via the network 13 and has a mechanism for controlling transmission / reception of data to / from the host computer 12. . The host computer 12 performs various processes in the accounting business of the financial institution. Then, for example, data such as name and deposit amount for the processed account is stored in a storage device (not shown). The network 13 may be any of a wired or wireless public communication line network, a dedicated communication line network, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite communication line network, or the like. It may be a communication network, or a combination of these as appropriate.

  Reference numeral 26 denotes a main control unit as a control means for controlling the entire automatic transaction apparatus 11. The main control unit 26 is a kind of computer that operates according to a program stored in a storage unit 22 as a storage unit including a semiconductor memory, a magnetic disk, and the like, and includes a calculation unit such as a CPU and an MPU. The overall operation of the automatic transaction apparatus 11 including the reader printer unit 14, the passbook entry / exit unit 15, the banknote deposit / withdrawal unit 16, the coin deposit / withdrawal unit 21, the communication unit 25, the customer screen display unit 23 and the customer input unit 24 is comprehensively controlled. To do.

  Further, the customer screen display unit 23 is composed of, for example, a CRT display or the like, and is a part of the customer operation unit as an operation means that is operated by the customer. It is a screen having a mechanism for displaying function keys as selection means for causing the user to select and a message for prompting the customer to perform an operation. The customer input unit 24 includes, for example, a touch screen, a button, and the like, and is a part of the customer operation unit as an operation unit that is operated by the customer. The customer input unit 24 can input data such as a customer's personal identification number and amount. It has a mechanism to do. The customer screen display unit 23 and the customer input unit 24 are preferably composed of a touch panel having functions of an input device and a display device, and are integrated. The customer input unit 24 has means for detecting that the customer has touched the function key, and also has means for converting the detected content and notifying the main control unit 26.

  Next, the operation of the automatic transaction apparatus 11 configured as described above will be described.

  FIG. 2 is a first diagram showing an operation screen for designating a repurchase transaction account according to the first embodiment of the present invention, and FIG. 3 is an operation for designating a repurchase transaction account according to the first embodiment of the present invention. 2 shows a screen, FIG. 4 is a first flowchart showing the operation of the automatic transaction apparatus according to the first embodiment of the present invention, and FIG. 5 shows the automatic transaction apparatus according to the first embodiment of the present invention. It is a 2nd flowchart which shows operation | movement.

  First, a customer operates a financial transaction selection screen (not shown) displayed on the customer screen display unit 23 of the automatic transaction apparatus 11 to select a deposit process as a financial transaction. The financial transaction selection screen displays function keys indicating the types of financial transactions that can be selected such as “deposit withdrawal” and “deposit”. Then, the customer selects a desired financial transaction by pressing any function key. Here, it is assumed that the customer presses the deposit transaction key that is a function key corresponding to the deposit transaction. The deposit transaction is a financial transaction in which an amount of money set by a customer is transferred between a plurality of accounts managed by the customer, and the amount of money designated by the customer is transferred from a payment account as a source account. This is a financial transaction in which funds are transferred by moving to a deposit account as a destination account.

  Subsequently, the customer inserts a medium and inserts a card as a medium from a card slot (not shown). Note that although a passbook can be used as a medium, it is assumed here that a card is used as the medium. The card reader / printer unit 14 reads the magnetic data of the card, that is, the medium information, and the storage unit 22 stores the medium information. Here, the medium information includes a financial institution name, a store number, a deposit type, an account number, a customer name, and the like. Then, the card reader printer unit 14 evacuates the medium, holds the inserted card, and waits until the next card is inserted.

  Subsequently, the customer again inserts the medium and inserts the next card. Then, the card reader printer unit 14 reads the medium information again, and the storage unit 22 stores the medium information again.

  When the medium information is read and stored for the two cards necessary for the repurchase transaction in this way, the operation screen 31 for designating the repurchase transaction account as shown in FIG. Is displayed. The operation screen 31 includes a message informing that the screen is for confirming or changing a payment account and a deposit account in a deposit transaction, and a first account information field for displaying account information of an account corresponding to the first card. 34, a second account information field 35 for displaying the account information of the account corresponding to the second card, a movement direction arrow 33 indicating the transfer direction of funds, a payment account display 37 indicating a payment account, a deposit account A deposit account display 38 indicating that the payment account and the deposit account are changed by the customer; a confirmation key 41 as a function key for the customer confirming the payment account and the deposit account; In addition, a cancel key 42 as a function key for the customer to cancel the deposit transaction is displayed. In this case, it is estimated that the automatic transaction apparatus 11 moves funds from the account corresponding to the first card to the account corresponding to the second card, and the movement direction arrow 33 is set so as to correspond to the direction. Is displayed. Then, the customer determines whether or not the direction of the moving direction arrow 33 displayed on the operation screen 31 is correct, and presses the confirmation key 41 if it is correct, and presses the deposit key 36 if it is not correct. I do.

  Subsequently, the automatic transaction apparatus 11 determines whether or not the deposit key 36 has been pressed. Then, when the deposit key 36 is pressed, the direction of the moving direction arrow 33 is reversed, the payment account display 37 and the deposit account display 38 are exchanged, and an operation for designating the deposit transaction account again. The screen 31 is displayed on the customer screen display unit 23. In this case, an operation screen 31 for designating a deposit transaction account as shown in FIG. 3 is displayed.

  If the deposit key 36 is not pressed, the automatic transaction apparatus 11 determines whether the confirmation key 41 is pressed. When the confirmation key 41 is pressed, a payment account and a deposit account are determined as indicated by arrows. That is, the account corresponding to the payment account display 37 is determined as the payment account so that the movement direction of the funds matches the direction of the movement direction arrow 33 displayed on the operation screen 31 where the confirmation key 41 is pressed. The account corresponding to the deposit account display 38 is determined as the deposit account.

  Subsequently, the customer operates a personal identification number input screen (not shown) displayed on the customer screen display unit 23 to input a personal identification number corresponding to the two cards. The customer's identity is confirmed by the password. Note that the PIN number may be input every time a card is inserted. When the identity verification is completed, the customer operates the deposit amount input screen (not shown) displayed on the customer screen display unit 23 to change the deposit amount, that is, the amount of funds to be transferred from the payment account to the deposit account. input. Then, the automatic transaction apparatus 11 performs transmission / reception with the host computer 12 from the communication unit 25 via the network 13. In this case, data such as account information of the payment account, personal identification number, and deposit amount is transmitted to the host computer 12, and the automatic transaction apparatus 11 receives data such as the result of the deposit process performed by the host computer 12. . In the case where the payment account or the deposit account is a financial institution other than the financial institution to which the automatic transaction apparatus 11 belongs, that is, an account opened in another financial institution, the automatic transaction apparatus 11 includes the host computer 12 and the nationwide not shown. Data such as the result of deposit processing is received by transmitting / receiving to / from the host computer of the other financial institution via a bank association computer or the like.

  Subsequently, the automatic transaction apparatus 11 outputs data from the host computer 12. In this case, the data received from the host computer 12 is printed on the receipt by the card reader printer unit 14. Subsequently, the automatic transaction apparatus 11 returns the medium and ends the process. In this case, the two cards inserted by the customer are ejected from the card slot and returned. The receipt on which the data is printed is also discharged together with the card. Note that if it is determined whether or not the confirmation key 41 has been pressed and the confirmation key 41 has not been pressed, the automatic transaction apparatus 11 immediately returns the medium and ends the processing.

Next, a flowchart will be described.
Step S1: Press the deposit transaction key.
Step S2: Insert the medium.
Step S3: Read the information on the medium.
Step S4: The medium information is stored.
Step S5: The medium is saved.
Step S6 Insert the medium.
Step S7: The medium information is read.
Step S8: The medium information is stored.
Step S9: A deposit transaction account designation screen is displayed.
Step S10: It is determined whether or not the deposit key 36 has been pressed. If the deposit key 36 is pressed, the process proceeds to step S11. If the deposit key 36 is not depressed, the process proceeds to step S12.
Step S11: The direction of the deposit direction arrow 33 is reversed, and the payment account display 37 and the deposit account display 38 are switched.
Step S12: It is determined whether or not the confirmation key 41 has been pressed. If the confirmation key 41 is pressed, the process proceeds to step S13. If the confirmation key 41 is not pressed, the process proceeds to step S18.
Step S13 A payment account and a deposit account are determined according to the deposit direction arrow 33.
Step S14: Enter a password.
Step S15: Enter the deposit amount.
Step S16: Transmission / reception with the host computer 12 is performed.
Step S17: Data from the host computer 12 is output.
Step S18: The medium is returned and the process is terminated.

  Thus, in this Embodiment, the automatic transaction apparatus 11 receives the medium corresponding to a some account, acquires the account information of a some account, specifies the account of the transfer origin of a fund, and a transfer destination, and estimates The direction in which the funds are transferred is displayed so as to be selectable by the customer.

  As a result, customers do not need to input information such as financial institution names, branch names, account numbers, etc. when transferring funds between multiple accounts. Processing to move can be performed. Further, since the estimated movement direction of the funds is displayed so as to be selectable, the customer can appropriately change the movement direction of the funds to a desired direction.

  Moreover, since there is no operation | movement which moves a banknote or a coin in the automatic transaction apparatus 11, transaction time can be shortened. In addition, since it is possible to transfer funds less than 1,000 yen, there is no need to pay a transfer fee, which is convenient.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 6 is a first diagram showing an operation screen for designating a repurchase transaction account according to the second embodiment of the present invention, and FIG. 7 is an operation for designating a repurchase transaction account according to the second embodiment of the present invention. FIG. 8 is a second diagram showing a screen, FIG. 8 is a third diagram showing an operation screen for designating a transfer transaction account in the second embodiment of the present invention, and FIG. 9 is a diagram in the second embodiment of the present invention. It is a 4th figure which shows the operation screen which designates a deposit transaction account.

  In the first embodiment, the case where the PIN numbers corresponding to two cards are input has been described. However, in the present embodiment, only the PIN number corresponding to the payment account card is input. explain. For payment accounts that are the source of funds, identity verification is essential, whereas for deposit accounts that are the destination of funds, identity verification is not essential. It is possible to omit the input of the password corresponding to. And the movement direction of a fund is estimated based on the input PIN.

  In the present embodiment, the automatic transaction apparatus 11 makes a provisional decision with the account corresponding to the first card as the payment account and the account corresponding to the second card as the deposit account, and the customer screen display unit 23 An operation screen 31 for designating a repurchase transaction account as shown in FIG. 6 is displayed. Then, the automatic transaction apparatus 11 temporarily stores the input personal identification number in the storage unit 22 and then transmits it to the host computer 12 corresponding to the payment account. On the operation screen 31, a password input display 45 indicating that a password has been input is displayed below the payment account display 37. If the entered password matches the password registered in advance in the host computer 12, the account corresponding to the first card is estimated as a payment account.

  Further, as shown in FIG. 7, when the customer inputs the password of the account corresponding to the second card, the input password does not match the password registered in the host computer 12 in advance. The automatic transaction apparatus 11 displays on the customer screen display unit 23 a message “The PIN is different. Please enter the PIN of the payment account.”

  If the entered password does not match the password registered in advance in the host computer 12, the automatic transaction apparatus 11 automatically reverses the direction of the moving direction arrow 33, and the payment account display 37 and payment. The operation screen 31 as shown in FIG. 8 may be displayed on the customer screen display unit 23 by replacing the account display 38. When the confirmation key 41 is pressed by the customer, it is transmitted to the host computer 12 corresponding to the payment account. On the operation screen 31, a password input display 45 indicating that a password has been input is displayed below the payment account display 37. If the input password matches the password registered in advance in the host computer 12, the account corresponding to the second card is estimated as a payment account. If the entered password does not match the password registered in advance in the host computer 12, the automatic transaction apparatus 11 says “The password is incorrect. Please enter the password for the payment account. Is displayed on the customer screen display unit 23.

  Further, it is possible to request the customer to input a password corresponding to the two cards. In this case, an operation screen 31 as shown in FIG. 9 is displayed on the customer screen display unit 23. At this time, on the operation screen 31, a password input display 45 for displaying that the password has been input is displayed below the payment account display 37 and the deposit account display 38, respectively. Here, when the personal identification numbers corresponding to the two cards are the same, the automatic transaction apparatus 11 displays a message on the customer screen display unit 23 to recommend that the personal identification number be changed. It should be noted that when the customer's name and address of the account corresponding to the two cards are different, a message to recommend changing the personal identification number may not be displayed.

  Next, a third embodiment of the present invention will be described. In addition, about what has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  FIG. 10 is a first diagram showing an operation screen for designating a repurchase transaction account in the third embodiment of the present invention, and FIG. 11 is an operation for designating a repurchase transaction account in the third embodiment of the present invention. FIG. 12 is a second diagram showing a screen, FIG. 12 is a third diagram showing an operation screen for designating a repurchase transaction account in the third embodiment of the present invention, and FIG. 13 is a diagram in the third embodiment of the present invention. FIG. 14 shows a second operation screen for inputting a personal identification number in the third embodiment of the present invention, and FIG. 15 shows a third operational screen for inputting the personal identification number. It is a figure which shows the operation screen which inputs the deposit amount in embodiment.

  In the first and second embodiments, the automatic transaction apparatus 11 determines the movement direction of the funds, and the customer changes the movement direction as necessary. In this embodiment, From the beginning, the customer selects the direction of movement of funds. Then, the movement direction of the funds is estimated in consideration of an incorrect input of the password.

  In this case, the automatic transaction apparatus 11 displays an operation screen 31 for designating a repurchase transaction account as shown in FIG. 10 on the customer screen display unit 23. The operation screen 31 displays a message prompting the user to insert a card as a medium corresponding to a deposit source account as a payment account from which funds are transferred. At the head of the message, a warning mark 46 for calling the customer's attention is displayed. The attention call mark 46 is used to call a customer's attention by blinking or the like. Further, a message indicating that the movement direction arrow 33 and the deposit direction as the movement direction of the funds can be corrected later is displayed.

  When the customer inserts a payment account card from a card slot (not shown), the automatic transaction apparatus 11 reads and stores the medium information about the card, and the customer transaction display account 23 displays the repurchase transaction account as shown in FIG. An operation screen 31 for designating is displayed. The operation screen 31 corresponds to the first account information field 34 for displaying the account information of the account corresponding to the card, the movement direction arrow 33, and the account to be transferred as a deposit account to which the funds are transferred. A message prompting insertion of a card or passbook as a medium to be displayed is displayed. At the head of the message, a warning mark 46 for calling the customer's attention is displayed. Further, a message is displayed to the effect that the transfer direction as the direction of movement of funds can be corrected later.

  Subsequently, when the customer inserts a deposit account card from a card slot (not shown), the automatic transaction apparatus 11 reads and stores the medium information about the card, and the customer transaction screen 23 displays the re-sale transaction as shown in FIG. An operation screen 31 for designating an account is displayed. The operation screen 31 includes a first account information field 34, a movement direction arrow 33, a second account information field 35 for displaying account information of an account corresponding to the second card, and a movement direction of funds. A message prompting you to select the direction of deposit will be displayed. At the head of the message, a warning mark 46 for calling the customer's attention is displayed. Further, instead of the movement direction arrow 33, a first movement direction selection key 33a and a second movement direction selection key 33b as function keys for selecting the movement direction of the funds are displayed. Then, the customer selects the transfer direction by pressing the first movement direction selection key 33a or the second movement direction selection key 33b. Then, the movement direction selection key that has not been pressed is deleted, and only the movement direction selection key that has been pressed is displayed. When the confirmation key 41 is pressed on the operation screen 31 as shown in FIG. 12, it is determined that the first movement direction selection key 33a is pressed, and the second movement direction selection is performed. The key 33b is erased.

  Subsequently, the automatic transaction apparatus 11 displays an operation screen 51 for inputting a password as shown in FIG. 13 on the customer screen display unit 23. The operation screen 51 includes a transfer source account information column 52 for displaying account information corresponding to a transfer source account as a payment account that is a transfer source of funds, a password input numeric keypad 53, and a password number. A message prompting for input is displayed. Then, the customer presses the PIN number input numeric keypad 53 and inputs the PIN number corresponding to the account to be transferred.

  Here, if the entered password does not match the password registered in advance in the host computer 12, the automatic transaction apparatus 11 performs an operation for inputting the password as shown in FIG. 14 on the customer screen display unit 23. A screen 51 is displayed. Since the personal identification number is different, a message prompting to input the personal identification number of the payment account again is displayed on the operation screen 51.

  When the entered password matches the password registered in advance in the host computer 12, the automatic transaction apparatus 11 operates the operation screen for inputting the deposit amount as shown in FIG. 15 on the customer screen display unit 23. 55 is displayed. The operation screen 55 displays a deposit source account information field 52, a deposit amount input numeric keypad 57, and a message prompting the user to input a deposit amount. In the deposit-source account information column 52, the deposit limit is displayed. The customer then presses the deposit amount input numeric keypad 57 and inputs the deposit amount.

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

It is a block diagram which shows the structure of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 1st figure which shows the operation screen which designates the deposit transaction account in the 1st Embodiment of this invention. It is a 2nd figure which shows the operation screen which designates the deposit transaction account in the 1st Embodiment of this invention. It is a 1st flowchart which shows operation | movement of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 2nd flowchart which shows operation | movement of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 1st figure which shows the operation screen which designates the deposit transaction account in the 2nd Embodiment of this invention. It is a 2nd figure which shows the operation screen which designates the deposit transaction account in the 2nd Embodiment of this invention. It is a 3rd figure which shows the operation screen which designates the deposit transaction account in the 2nd Embodiment of this invention. It is a 4th figure which shows the operation screen which designates the deposit transaction account in the 2nd Embodiment of this invention. It is a 1st figure which shows the operation screen which designates the deposit transaction account in the 3rd Embodiment of this invention. It is a 2nd figure which shows the operation screen which designates the deposit transaction account in the 3rd Embodiment of this invention. It is a 3rd figure which shows the operation screen which designates the deposit transaction account in the 3rd Embodiment of this invention. It is a 1st figure which shows the operation screen which inputs a PIN code in the 3rd Embodiment of this invention. It is a 2nd figure which shows the operation screen which inputs a PIN code in the 3rd Embodiment of this invention. It is a figure which shows the operation screen which inputs the deposit amount in the 3rd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 11 Automatic transaction apparatus 14 Card reader printer part 15 Passbook entry part 23 Customer screen display part 24 Customer input part 26 Main control part

Claims (4)

(A) medium handling means for handling a medium corresponding to an account opened in a financial institution;
(B) an automatic transaction apparatus having an operation means having a display function and an input function,
(C) having a control means for estimating the direction of movement of funds when performing a transaction of transferring funds between a plurality of accounts;
(D) The operation means displays the account information of each account specified based on the data stored in the medium corresponding to each account read by the medium handling means, and the funds estimated by the control means An automatic transaction apparatus characterized by displaying a moving direction in a selectable manner. The automatic transaction apparatus according to claim 1, wherein the control unit estimates a movement direction of the funds based on an order in which the medium handling unit handles the medium. The automatic transaction apparatus according to claim 1, wherein the control unit estimates a movement direction of the funds based on a password entered by the operation unit. The automatic transaction apparatus according to claim 3, wherein the control unit estimates a movement direction of the funds in consideration of erroneous input of the password.

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