JP2007072974A - Automatic transaction apparatus and automatic transfer system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus and an automatic transfer system, with which a customer who has reserved a transfer transaction, can cancel the reservation of the transfer transaction. <P>SOLUTION: The automatic transaction apparatus 1 is provided with a transfer reservation cancel processing portion 244, which receives from a host computer 3 transfer reservation informations such as a transfer execution date a transfer partner bank account number and transfer amount or the like extracted, based on a bank account information of the customer to operate the automatic transaction apparatus 1 from a reservation transfer transaction data base 4; displays them; receives an operation to select the transfer transaction to cancel from the displayed transfer transaction informations; and transmits the informations to specify the selected transfer transaction to the host computer 3. The transfer reservation information, stored in the reservation transfer transaction data base 4, are deleted, based on the informations to specify the transfer transaction received from the automatic transaction apparatus 1 by the host computer 3, and the reserved transfer transaction is canceled. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an automatic transfer system installed in financial institutions, convenience stores, and the like, and more particularly, to an automatic transaction apparatus and an automatic transfer system that perform a transfer process on a predetermined date.

The conventional automatic transaction apparatus and automatic transfer system allow customers to enter a transfer destination account number, transfer execution date, transfer amount, etc. with an automatic transaction apparatus, and perform a reservation transfer transaction in which transfer processing is performed on the transfer execution date. Some exist (for example, refer to Patent Document 1).
In addition, there are cases where a customer who has made a reservation transfer transaction on the day before the transfer execution date, etc. is notified that the transfer will be performed, so as to prevent the transfer transaction from being unsuccessful due to insufficient balance (for example, patents) Reference 2).
JP-A-10-326316 (paragraphs “0009” to “0012”, FIG. 1) JP 2004-86759 A (paragraph “0022” to paragraph “0032”, FIG. 1)

  However, in the above-described conventional technology, if a reservation transfer transaction is canceled after a reservation transfer transaction is performed due to an error in the transfer destination or an error in the transfer amount, the customer who performed the reservation transfer transaction is There is a problem that it is inconvenient for customers because they have to go to the counter during the business hours of sales offices such as institutions, and the procedures for cancellation are not convenient for customers. is there.

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

  For this reason, the present invention provides an automatic transaction apparatus that performs transactions by transmitting information input by customer operations to a host apparatus, and transfers the transfer execution date, transfer account number, transfer amount, etc. for each reserved transfer transaction. Receiving and displaying reservation information from the host device, accepting an operation for selecting a transfer transaction to be canceled from the transfer reservation information displayed for each transfer transaction, and transmitting information specifying the selected transfer transaction to the host device A transfer reservation cancellation processing unit is provided.

  Further, an automatic transaction apparatus that transmits transfer reservation information such as a transfer execution date, a transfer destination account number and a transfer amount input by a customer operation, and customer account information such as a customer account number, and the transfer reservation information and the customer account In the automatic transaction system comprising: a host computer that receives information; and a reservation transfer transaction database that is provided in the host computer, stores the transfer reservation information in association with the customer account information, and makes a transfer reservation The transfer reservation information extracted based on the account information of the customer who operates the automatic transaction apparatus from the reservation transfer transaction database is received and displayed on the apparatus from the host computer, and the transfer transaction to be canceled is selected from the displayed transfer reservation information. The host computer receives information to identify the selected transfer transaction. A transfer reservation cancellation processing unit to be transmitted to the host computer, and the host computer deletes the transfer reservation information stored in the reservation transfer transaction database based on information specifying the transfer transaction received from the automatic transaction apparatus, and makes a reservation. It is characterized by canceling the transferred transaction.

  In this way, the present invention makes it possible for a customer who has made a reservation transfer transaction to cancel the reservation transfer transaction with an automatic transaction apparatus, which is more convenient for the customer and is more convenient for the sales staff at the sales office. The effect of reducing the work to deal with customers can be obtained.

  Hereinafter, embodiments of an automatic transaction apparatus and an automatic transfer system according to the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of an automatic transaction system in the embodiment, FIG. 2 is a block diagram showing a configuration of an automatic transaction apparatus in the embodiment, and FIG. 3 is an explanatory diagram showing a configuration of a reservation transfer transaction database in the embodiment. .
First, the configuration of the automatic transaction system will be described with reference to FIG.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, which is installed at a branch office or a branch office of a financial institution such as a bank. The automatic transaction apparatus 1 is communicably connected to the communication line 2, and the details of the configuration will be described later.

  The automatic transaction apparatus 1 can perform cash deposit / withdrawal transactions, transfer transactions, transfer reservation transactions, transfer reservation cancellation transactions, and the like by customer operations. Here, the transfer reservation transaction refers to a transaction in which the customer operates the automatic transaction apparatus 1 and reserves to transfer the specified amount from the account owned by the customer to the specified transfer destination account on the specified date, The transfer reservation cancellation transaction refers to a transaction in which the customer operates the automatic transaction apparatus 1 to cancel the transfer reserved by the transfer reservation transaction before the designated date.

  A host computer 3 is installed in an office center of a financial institution such as a bank. The host computer 3 is provided with arithmetic and control means such as a CPU (Central Processing Unit) and MPU (Micro Processing Unit), a storage means such as a magnetic disk and a semiconductor memory, and a communication means. It is connected so as to be able to communicate with the device 1 or the like. In addition, it has a clock function and a calendar function.

  The host computer 3 configured as described above determines whether or not to establish a customer transaction by transmitting and receiving transaction messages such as deposit, withdrawal, and transfer to and from the automatic transaction apparatus 1. Also, identity verification is performed to confirm that the customer is the principal. Further, the host computer 3 includes a database in the storage means described above, and can store predetermined information in association with key information and store the information in the database. Can be extracted from the database.

  Reference numeral 4 denotes a reservation transfer transaction database, which is provided in the host computer 3. This reservation transfer transaction database 4 is composed of items such as transfer account, transfer execution date, transfer destination information such as transfer destination financial institution, transfer amount, etc., and information for executing a transfer transaction reserved in the transfer reservation transaction Is memorized. The host computer 3 searches the information stored in the reservation transfer transaction database 4 and executes the transfer transaction reserved on the designated transfer execution date. Details will be described later.

A transfer destination financial institution host computer 5 includes a calculation and control means such as a CPU, a storage means such as a magnetic disk and a semiconductor memory, and a communication means. The host computer is connected via the communication line 2 or an unillustrated Zengin system. 3 and the like are communicably connected to each other.
The transfer destination financial institution host computer 5 receives the transfer destination information such as the transfer destination account number and the transfer amount from the host computer 3, and deposits the transfer amount into the transfer destination account to execute the transfer process.

As described above, the automatic transaction apparatus 1, the host computer 3, the reservation transfer transaction database 4, and the transfer destination financial institution host computer 5 are connected by the communication line 2 or the like to constitute an automatic transaction system.
Next, the configuration of the automatic transaction apparatus will be described with reference to FIG.
In FIG. 2, reference numeral 21 denotes a customer operation display unit, which is composed of a display unit such as a CRT (Cathode Ray Tube) or a liquid crystal display and an operation unit in which a touch panel or the like is arranged on the display unit, and the customer is displayed on the display unit. Touching a button or the like to perform an input operation. The customer operation display unit 21 can detect an input operation performed by the customer and output a signal corresponding to the input operation.

22 is a card reader unit, which accepts a card in which account information such as an account number is recorded from the card insertion / eject port, reads and writes data recorded on the magnetic stripe of the card, IC chip, etc. The card is discharged from the card insertion outlet and returned to the customer.
Reference numeral 23 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine, and performs deposit / withdrawal processing of banknotes and coins. Here, deposit processing means that banknotes entered by customers into banknote depositing / dispensing gates are counted in a banknote depositing / dispensing machine and stored in a safe, and coins placed in coin depositing / dispensing ports are counted by a coin depositing / dispensing machine and stored in a safe. It is to store. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are fed out from the banknote depositing and dispensing machine and coin depositing and dispensing machine safes, respectively, and transported to the banknote depositing and dispensing slot and coin depositing and dispensing slot. To pay to customers.

Reference numeral 24 denotes a control unit that controls the operation of the entire automatic transaction apparatus 1 including the customer operation display unit 21, the card reader unit 22, and the deposit / withdrawal unit 23 based on software stored in the storage unit 241. The control unit 24 has a function of communicating with the host computer 3 and the like via the communication unit 242.
The storage unit 241 is a storage device such as a memory or a magnetic disk. The storage unit 241 includes a store number for identifying a sales office where the automatic transaction apparatus 1 is installed, a machine number for identifying the automatic transaction apparatus 1, and the like. Assume that it is stored in advance. The control unit 24 also has a clock function and a calendar function.

Reference numeral 243 denotes a transfer reservation processing unit. In the transfer reservation transaction, display of a screen for guiding operations performed by the customer, an account number owned by the customer, a transfer destination financial institution / store number / account number, transfer amount, transfer execution date, etc. The reservation transfer transaction information is controlled to be input, and the reservation transfer transaction information input via the communication unit 242 is transmitted to the host computer 3.
Reference numeral 244 denotes a transfer reservation cancellation processing unit that displays a screen for guiding an operation performed by a customer in a transfer reservation cancellation transaction or a currently reserved transfer transaction received from the host computer 3 via the communication unit 242. A process of transmitting information for canceling the designated reserved transfer transaction to the host computer 3 is performed.

Next, the configuration of the reservation transfer transaction database will be described with reference to FIG.
In FIG. 3, reference numeral 30 denotes a reception number, which is a serial number or the like assigned to each transfer person for identifying a transfer transaction reserved by the same transfer person. Therefore, the same transfer person can reserve a plurality of transfer transactions.
Reference numeral 31 denotes a transfer account number, which is an area for storing a number for identifying an account owned by a customer who reserves a transfer transaction.

Reference numeral 32 denotes a transfer execution date, which is an area for storing information indicating a date for executing a transfer transaction reserved in the transfer reservation transaction.
Reference numeral 33 denotes a transfer destination financial institution, which is an area for storing information for identifying a financial institution having an account to which cash is transferred in a transfer transaction reserved in a transfer reservation transaction.
Reference numeral 34 denotes a transfer destination store number, which is an area for storing a number for identifying a sales office of a financial institution having an account to which cash is transferred in a transfer transaction reserved in a transfer reservation transaction.

Reference numeral 35 denotes a transfer destination account number, which is an area for storing a number for identifying an account to which cash is transferred in a transfer transaction reserved in a transfer reservation transaction.
Reference numeral 36 denotes a transfer amount, which is an area for storing information indicating the amount transferred in the transfer transaction reserved in the transfer reservation transaction.
The receipt number 30, the transfer execution date 32, the transfer destination financial institution 33, the transfer destination store number 34, the transfer destination account number 35 and the transfer amount 36 are stored in the reservation transfer transaction database 4 in association with the transfer account number 31. A search is made based on the person account number 31, and the receipt number 30, the transfer execution date 32, the transfer destination financial institution 33, the transfer destination store number 34, the transfer destination account number 35, and the transfer amount 36 can be extracted.

The operation of the above configuration will be described.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).
First, a conventional transfer reservation transaction will be briefly described.

When the approach of the customer is detected by a proximity sensor (not shown) of the automatic transaction apparatus 1, the customer operation display unit 21 displays a transaction selection screen 40 as shown in FIG. The transaction selection screen 40 displays transaction buttons such as “payment”, “transfer”, “transfer reservation”, “transfer reservation cancellation”, and the customer presses the “transfer reservation” transaction button. .
Upon accepting the pressing of the “transfer reservation” transaction button, the customer operation display unit 21 displays a card insertion guidance screen in accordance with an instruction from the transfer reservation processing unit 243. On this card insertion guidance screen, words and illustrations such as “Please insert a card” are displayed.

The customer inserts the card from the card insertion / discharge port according to the card insertion guidance screen. The card reader unit 22 pulls in the inserted card, reads account information such as an account number recorded on the card, and the transfer reservation processing unit 243 stores the account information in the storage unit 241.
When the card is inserted from the card insertion / ejection slot, the customer operation display unit 21 displays a password input screen. On the password input screen, a message such as “Please enter password” and numeric buttons from “0” to “9” are displayed.

The customer operation display unit 21 accepts input of a personal identification number by the customer, and the transfer reservation processing unit 243 stores the input personal identification number in the storage unit 241.
Next, the transfer reservation processing unit 243 of the automatic transaction apparatus 1 displays a screen for inputting transfer destination information such as a transfer execution date, a transfer destination financial institution, a transfer destination store number, a transfer destination account number, and a transfer amount for making a transfer reservation. An instruction to be displayed on the customer operation display unit 21 is output.

The customer operation display unit 21 displays a screen for inputting transfer destination information such as a transfer execution date, a transfer destination financial institution, a transfer destination store number, a transfer destination account number, and a transfer amount for making a transfer reservation, and a transfer by a customer operation. Accept input of destination information. The transfer reservation processing unit 243 transmits the input transfer destination information to the host computer 3 together with the customer's account number and password.
The host computer 3 confirms the identity by using the received customer account number and password. The identity verification is a normal identity verification performed by extracting a pre-registered personal identification number based on the received customer account number and comparing the extracted personal identification number with the received personal identification number.

  When the host computer 3 confirms that the customer is the principal, the host computer 3 transfers the received customer account number to the transferor account number 31 of the reservation transfer transaction database 4, the received transfer execution date, and the transfer destination financial institution. The transfer destination store number, the transfer destination account number, and the transfer amount are stored in the transfer execution date 32, the transfer destination financial institution 33, the transfer destination store number 34, the transfer destination account number 35, and the transfer amount 36 of the reservation transfer transaction database 4, respectively. At this time, the host computer 3 assigns a receipt number 30 for identifying the reserved transfer transaction.

When the host computer 3 stores the transfer destination information in the reservation transfer transaction database 4, the host computer 3 transmits to the automatic transaction apparatus 1 that the reservation for the transfer transaction has been completed.
The transfer reservation processing unit 243 of the automatic transaction apparatus 1 outputs an instruction to display on the screen that the reservation is completed to the customer operation display unit 21 and outputs an instruction to return the card to the card reader unit 22 to the customer. The customer operation display unit 21 displays on the screen that the reservation has been completed, and the card reader unit 22 ejects the card from the card insertion / ejection slot and returns it to the customer.

In this way, the automatic transaction apparatus 1 ends the transfer reservation transaction.
In addition, the transfer transaction reserved by the above-mentioned transfer reservation transaction is transmitted to the transfer destination financial institution host computer 5 by the host computer 3 on the transfer execution date, such as the transfer destination financial institution, the transfer destination store number, the transfer destination account number, and the transfer amount. Transfer process.
Next, the transfer reservation cancellation transaction will be described.

FIG. 4 is a flowchart showing the flow of a transfer reservation canceling process in the embodiment, which will be described in accordance with steps represented by S.
S1: When a customer approach is detected by a proximity sensor (not shown) of the automatic transaction apparatus 1, the customer operation display unit 21 displays a transaction selection screen 40 as shown in FIG. This transaction selection screen 40 displays transaction buttons such as “payment”, “transfer”, “transfer reservation”, “cancel transfer reservation” 41, etc. Press.

S2: Upon receipt of the “transaction reservation cancellation” 41 transaction button press, the customer operation display unit 21 displays a card insertion guidance screen in accordance with an instruction from the transfer reservation cancellation processing unit 244. On this card insertion guidance screen, words and illustrations such as “Please insert a card” are displayed.
S3: The customer inserts a card from the card insertion outlet according to the card insertion guidance screen. The card reader unit 22 pulls in the inserted card, reads account information such as an account number recorded on the card, and the transfer reservation cancellation processing unit 244 stores the account information in the storage unit 241.

S4: When the card is inserted from the card insertion / ejection slot, the customer operation display unit 21 displays a password input screen. On the password input screen, a message such as “Please enter password” and numeric buttons from “0” to “9” are displayed.
The customer operation display unit 21 accepts input of a personal identification number by the customer, and the transfer reservation cancellation processing unit 244 stores the input personal identification number in the storage unit 241.

S5: Upon receiving the input of the personal identification number by the customer, the customer operation display unit 21 displays a screen composed of words such as “processing is in progress. Please wait for a while”, and the transfer reservation cancellation processing unit 244 displays FIG. The reservation transfer cancellation inquiry request message 51 is created as shown in FIG. 5 and the message is transmitted to the host computer 3 via the communication unit 242.
The reservation transfer cancellation inquiry request message 51 is, for example, a message composed of a request ATM number 52 including a store number and a machine number, customer insertion card stripe information 53, a transaction type 54 indicating a reservation transfer cancellation inquiry, and a password 55. is there.

Here, the request ATM number 52 is composed of a store number for identifying the store in which the automatic transaction apparatus 1 is installed and a machine number uniquely assigned to each automatic transaction apparatus 1 in order to identify the automatic transaction apparatus 1. Is. “ATM” is an abbreviation that indicates an automatic transaction apparatus.
The customer insertion card stripe information 53 is information such as an account number read from the magnetic stripe of the card inserted by the customer, and the password 55 is the password entered by the customer in S4.

  S6: Receiving the reservation transfer cancellation inquiry request message 51, the host computer 3 confirms the identity by using the customer account number and the personal identification number 55 included in the customer insertion card stripe information 53. The identity verification is a normal identity verification performed by extracting a pre-registered personal identification number based on the received customer account number and comparing the extracted personal identification number with the received personal identification number 55.

S7: If the identity cannot be confirmed as a result of the identity verification, the card reader unit 22 ejects the card from the card insertion / ejection slot, returns it to the customer (S15), and ends the transfer reservation cancellation transaction.
S8: On the other hand, if the identity is confirmed as a result of the identity verification, the host computer 3 makes a reservation transfer transaction based on the customer account number included in the customer insertion card stripe information 53, that is, the transfer account number 31. The database 4 is searched, and the reception number 30, the transfer execution date 32, the transfer destination financial institution 33, the transfer destination store number 34, the transfer destination account number 35, and the transfer amount 36 are all extracted.

  S9: The host computer 3 makes a reservation transfer cancellation inquiry as shown in FIG. 8 from all the extracted reception numbers 30, transfer execution dates 32, transfer destination financial institutions 33, transfer destination store numbers 34, transfer destination account numbers 35 and transfer amounts 36. A request response message 56 is created and returned to the automatic transaction apparatus 1. This reservation transfer cancellation inquiry request response message 56 includes, for example, request ATM information 52, customer insertion card stripe information 53, cancelable transaction number 57, and cancelable transaction information 58.

  The number of cancelable transactions 57 indicates the number of cancelable transfer reservation transactions, that is, the number of cancelable transaction information 58. The cancelable transaction information 58 includes the receipt number 30 and the transfer execution date 32 extracted from the reservation transfer transaction database 4. , A transfer destination financial institution 33, a transfer destination store number 34, a transfer destination account number 35, and a transfer amount 36. The cancelable transaction information 58 is not limited to one, and there may be a plurality of cases.

S10: The transfer reservation cancellation processing unit 244 of the automatic transaction apparatus 1 edits the list of reserved transfer transactions from the received reservation transfer cancellation inquiry request response message 56, and instructs to display the reservation transfer transaction list screen 42 shown in FIG. Is output to the customer operation display unit 21. Upon receiving the instruction, the customer operation display unit 21 displays the reservation transfer transaction list screen 42.
In this reservation transfer transaction list screen 42, a message such as “Please press the reservation transfer to cancel”, a reservation transfer button 43 for selecting a reservation transfer to be canceled for each reserved transfer transaction, and the name of the financial institution of the transfer destination In addition, the name, transfer execution date, transfer amount, etc. are displayed. The transfer destination name is the host computer 3 or the transfer destination financial institution host computer 5 based on the transfer destination financial institution 33, the transfer destination store number 34, the transfer destination account number 35, etc. extracted by the host computer 3 from the reservation transfer transaction database 4. It is assumed that it is extracted from an account system database (not shown) prepared in the above.

S11: When the customer operation display unit 21 displays the reservation transfer transaction list screen 42, the customer presses the reservation transfer button 43 corresponding to the reserved transfer transaction for which cancellation is desired. In this reservation transfer button 43, it is assumed that the receipt number 30 is displayed on the reservation transfer button 43 in order to identify the transfer transaction reserved by the customer.
When the customer operation display unit 21 accepts pressing of the reservation transfer button 43, the customer operation display unit 21 outputs a signal indicating that the reservation transfer button 43 is pressed to the transfer reservation cancellation processing unit 244.

  S12: Upon receipt of the signal, the transfer reservation cancellation processing unit 244 creates a reservation transfer transaction execution request message 59 and transmits it to the host computer 3 as shown in FIG. This reservation transfer transaction execution request message 59 is, for example, a message composed of request ATM information 52, customer insertion card stripe information 53, transaction type 60 indicating reservation transfer cancellation execution, reservation transfer cancellation execution number 61, and the like.

Here, the reservation transfer cancellation execution number 61 is the receipt number 30 or the like assigned to identify the transfer transaction reserved by the customer, and is the same as the number displayed on the reservation transfer button 43.
S13: The host computer 3 that has received the reservation transfer transaction execution request message 59 receives the customer account number and reservation transfer cancellation execution number 61 included in the received customer insertion card stripe information 53, that is, the transfer account number 31 and the reception number 30. The reservation transfer transaction database 4 is searched based on the above, and the corresponding transfer execution date 32, the transfer destination financial institution 33, the transfer destination store number 34, the transfer destination account number 35 and the transfer amount 36 are deleted from the reservation transfer transaction database 4. Cancel a reservation transfer transaction specified by the customer.

S14: When the host computer 3 deletes the reservation transfer transaction designated by the customer from the reservation transfer transaction database 4 and cancels it, the host computer 3 transmits the result to the automatic transaction apparatus 1. If the transfer has already been deleted from the reservation transfer transaction database 4 when the transfer has already been executed to the transfer destination financial institution host computer 5, the fact that the cancellation has not been made is transmitted to the automatic transaction apparatus 1.
S15: The transfer reservation cancellation processing unit 244 of the automatic transaction apparatus 1 displays the received result on the customer operation display unit 21, and the card reader unit 22 discharges the card from the card insertion / discharge port and returns it to the customer to cancel the transfer reservation. End the transaction.

As described above, in this embodiment, since the transfer transaction booked by the customer by operating the automatic transaction apparatus can be canceled, convenience for the customer is improved and the customer at the sales representative at the sales office is handled. The effect that work can be reduced is obtained.
Also, in the past, when a customer who wishes to cancel a reservation transfer transaction goes to a sales office such as a financial institution and completes the cancellation procedure at the counter, the transfer was made from the bank account of the transfer destination. There was a problem that cash equivalent to the amount could be paid, leading to an increase in crimes such as fraud due to fictitious claims, but in this example, reservation transfer was performed by fraudulent acts such as fictitious claims Even if it happens, it can be easily canceled, so that it is possible to prevent crime damage.

  Furthermore, since it is not necessary to deal with the staff at the sales office, it is possible to provide a service that frees the fee for the procedure for canceling the reservation transfer transaction.

The block diagram which shows the structure of the automatic transaction system in an Example The block diagram which shows the structure of the automatic transaction apparatus in an Example. Explanatory drawing which shows the structure of the reservation transfer transaction database in an Example. The flowchart which shows the flow of the transfer reservation cancellation process in an Example Explanatory drawing of the transaction selection screen displayed on the automatic transaction apparatus in the embodiment Explanatory drawing of the transfer reservation cancellation screen displayed on the automatic transaction apparatus in the embodiment Explanatory drawing of the message of the reservation transfer cancellation inquiry request in the embodiment Explanatory drawing of the message of reservation transfer cancellation inquiry request response in the embodiment Explanatory drawing of message of reservation transfer cancellation inquiry execution request in the embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Communication line 3 Host computer 4 Reservation transfer transaction database 5 Transfer destination financial institution host computer 21 Customer operation display part 22 Card reader part 23 Deposit / withdrawal part 24 Control part 241 Storage part 242 Communication part 243 Transfer reservation process part 244 Transfer Reservation Cancellation Processing Section 31 Transfer Account Number 32 Transfer Execution Date 33 Transfer Bank Financial Institution 34 Transfer Bank Store Number 35 Transfer Bank Account Number 36 Transfer Amount

Claims (2)

In an automatic transaction device that performs transactions by transmitting information input by customer operations to a host device,
Transfer reservation information such as transfer execution date, transfer destination account number and transfer amount is received and displayed from the host device for each reserved transfer transaction, and the transfer transaction to be canceled is selected from the transfer reservation information displayed for each transfer transaction An automatic transaction apparatus comprising a transfer reservation cancellation processing unit that receives an operation and transmits information specifying the selected transfer transaction to the host apparatus. An automatic transaction apparatus that transmits transfer reservation information such as a transfer execution date, a transfer destination account number and a transfer amount inputted by a customer operation, and customer account information such as a customer account number, and the transfer reservation information and customer account information. In an automatic transaction system comprising: a host computer for receiving; and a reservation transfer transaction database that is provided in the host computer, stores the transfer reservation information in association with the customer account information, and makes a transfer reservation;
Transfer transaction for receiving and displaying the transfer reservation information extracted based on the account information of the customer who operates the automatic transaction device from the reservation transfer transaction database on the automatic transaction device, and canceling from the displayed transfer reservation information A transfer reservation cancellation processing unit that accepts an operation to select and transmits information specifying the selected transfer transaction to the host computer,
The host computer cancels the reserved transfer transaction by deleting the transfer reservation information stored in the reservation transfer transaction database based on the information specifying the transfer transaction received from the automatic transaction apparatus. Automatic transaction system.