JP2008305100A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance the convenience of a customer by displaying which is more advantageous, cashing transaction or money changing transaction, and guiding a customer to select the more advantageous transaction. <P>SOLUTION: This automatic transaction device is provided with a conversion rate calculation means for calculating a conversion rate from one currency unit to other currency unit in cashing transaction on the basis of an exchange rate set by a credit card company and a cashing interest rate as a loan interest rate in a prescribed period, and configured to compare the conversion rate calculated by the conversion rate calculation means with a money changing rate set by a financial institute in money changing transaction, and to, when judging that the conversion rate is more beneficial for a customer than the money changing rate, display that the cashing transaction is more beneficial, and to enable the customer to select the cashing transaction. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system that perform various transactions by a customer's operation, and more particularly, to an automatic transaction apparatus and an automatic transaction system that perform an exchange transaction that exchanges currency in another country and a cashing transaction that lends in another country's currency.

  Conventional automatic transaction apparatuses and automatic transaction systems enable transactions of accounts related to a plurality of currency units, and improve the convenience of customers who deposit and withdraw the plurality of currency units. When different accounts are included, the exchange rate between the currency units is displayed, and some customers select the currency unit based on the exchange rate to make cash withdrawal transactions and deposit transactions. (For example, refer to Patent Document 1).

In addition, the handling fee of the automatic transaction equipment required for withdrawal transactions is compared with the borrowing interest of the loan. If the handling fee is advantageous, the normal withdrawal transaction is performed, and if the borrowing interest by the loan is advantageous, the loan In some cases, the customer's convenience is improved by displaying a mediation screen of the customer so that the transaction can be changed to a loan-like transaction by the customer's operation (for example, see Patent Document 2).
JP 2003-67816 A (paragraph “0045” to paragraph “0058”, FIGS. 3 and 4) JP 2004-199125 A (paragraph “0029” to paragraph “0046”, FIG. 5)

2. Description of the Related Art In recent years, an overseas cashing service that borrows cash in a local currency converted at an exchange rate from a credit card company or the like by using an automatic transaction apparatus in each country at a predetermined interest has become widespread.
Although this overseas cashing service generates interest on borrowing, the exchange rate may be set to be more favorable for customers than the exchange rate for local currency exchange performed by financial institutions, and it is more advantageous for customers to use overseas cashing services. There is a case.

  Under such circumstances, the conventional technology described above can display the exchange rate of accounts related to multiple currency units and compare the handling fee with the loan interest on loans. If you cannot display or compare the exchange rate and borrowing interest in the cashing service and you need cash in the local currency, consider the exchange rate and the borrowing interest before using the automatic transaction device and convert it to the local currency of the financial institution. There is a problem that the customer himself / herself has to judge which of the following is advantageous, such as currency exchange or an overseas cashing service such as a credit card company.

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

  Therefore, the present invention provides an automatic transaction apparatus that accepts a customer's operation and performs a transaction on the basis of an exchange rate set by a credit card company and a cashing interest rate that is a borrowing interest rate for a predetermined period. A conversion ratio calculating means for calculating a conversion ratio from the currency to another currency unit, and comparing the conversion ratio calculated by the conversion ratio calculating means with the exchange rate set by the financial institution in the exchange transaction, It is characterized in that it is determined which transaction is advantageous to the customer, and the transaction determined to be advantageous is displayed.

  Thus, the present invention eliminates the need to consider that either the cashing transaction or the currency exchange transaction is advantageous before the customer himself / herself uses the automatic transaction apparatus, and has the effect of improving the convenience for the customer. It is done.

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

FIG. 1 is a block diagram illustrating a configuration of an automatic transaction apparatus and an automatic transaction system in the embodiment.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, which is installed at a store of a financial institution such as a bank or a store such as a convenience store, an airport, a station, or the like. This automatic transaction apparatus 1 accepts a customer's operation, receives a transaction permission from a host apparatus described later, and performs transactions such as cash withdrawal, cash deposit, money exchange, and cashing.

  A financial institution host computer 2 is used as a host device of the automatic transaction apparatus 1 and is installed in a business center of a financial institution such as a bank. The financial institution host computer 2 is a control unit that is a calculation and control unit such as a CPU (Central Processing Unit) and an MPU (Micro Processing Unit), a storage unit that is a storage unit such as a magnetic disk, a semiconductor memory, and a communication unit. The communication unit is provided, and is connected to the automatic transaction apparatus 1 and the like via the communication line 4 so as to be able to communicate with each other.

In addition, the host financial institution host computer 2 sends / receives a transaction message such as cash withdrawal, cash deposit, exchange, etc. to / from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and process the transaction. I do. In addition, the user's account number and the customer's personal identification number are used to verify the identity of the person.
Here, the currency exchange transaction refers to a transaction in which the currency entered into the automatic transaction apparatus 1 by the operation of the customer is replaced with the currency of another country converted at a predetermined exchange rate and withdrawn to the customer.

  Reference numeral 3 denotes a credit card company host computer as a host device of the automatic transaction apparatus 1, which is installed in an office center of the credit card company. The credit card company host computer 3 includes a control unit that is a calculation and control unit such as a CPU and an MPU, a storage unit that is a storage unit such as a magnetic disk and a semiconductor memory, and a communication unit that is a communication unit. It is connected to the automatic transaction apparatus 1 or the like via the line 4 so that they can communicate with each other.

Further, the credit card company host computer 3 transmits / receives a transaction message such as cashing to / from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and to process the transaction. In addition, the user's credit card number and the customer's personal identification number are used to verify the identity of the person.
Here, the cashing transaction refers to a transaction in which the automatic transaction apparatus 1 withdraws the amount of cash input by the operation of the customer and lends the cash to the customer with a predetermined interest.

  As described above, the automatic transaction system is composed of the automatic transaction apparatus 1, the host financial institution host computer 2, the credit card company host computer 3, and the communication line 4 that connects them so that they can communicate with each other. It can be used in foreign countries. It is assumed that the automatic transaction apparatus 1 and the use financial institution host computer 2 are connected by a communication line 4 such as a dedicated line.

Next, the configuration of the automatic transaction apparatus 1 will be described.
Reference numeral 11 denotes a customer operation display unit, which includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 11 is a touch panel arranged on a display unit such as a CRT display or a liquid crystal display to detect an input operation performed by the customer. The screen for guiding the input operation and the like, and the input information and the like are displayed.

The input operation detected by the customer operation display unit 11 is notified by outputting a signal to a control unit described later.
A card reader unit 12 includes a card reading / writing mechanism and a card transport mechanism. This card reader unit 12 is composed of an IC card read / write mechanism, a magnetic card read / write mechanism, etc., and reads information recorded on the IC chip or magnetic stripe of the card inserted into the card insertion / return slot by the operation of the customer, Arbitrary information can be recorded.

Further, the card insertion / return slot is provided with a mechanism for detecting insertion of a card and a mechanism for detecting receipt of the card, and the card whose information has been read or written is discharged from the card insertion / return slot and returned to the customer. Be able to.
It is assumed that card information for identifying a credit account held by a customer such as a credit card number is recorded on the IC chip or magnetic stripe of the card.

  Reference numeral 13 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine. The deposit / withdrawal unit 13 performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal transactions and cash deposit transactions. Here, the deposit processing means that the banknotes that the customer puts in the deposit / withdrawal slot are counted by the banknote depositing / dispensing machine and stored in the safe, and the coins that are put in the deposit / withdrawal slot are counted by the coin depositing / dispensing machine and stored in the safe That is. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are paid out from the banknote deposit / withdrawal machine and coin depositing / dispensing machine safe, counted, and delivered to the deposit / withdrawal port. It is.

The deposit / withdrawal port is provided with a mechanism for detecting inserted banknotes and coins, and a mechanism for detecting receipt of conveyed banknotes and coins.
In addition, the deposit / withdrawal unit 13 includes a safe for storing currencies of a plurality of countries, a discrimination unit for discriminating denominations, damages, etc., and exchange transactions for withdrawal of a currency different from the deposited currency are enabled. Yes.
In addition, the depositing / withdrawing part 13 is not restricted to what was comprised with the banknote depositing / withdrawing machine and the coin depositing / withdrawing machine, and may be comprised only with the banknote depositing / withdrawing machine.

A receipt printing unit 14 includes a receipt transport mechanism and a receipt printing mechanism. The receipt printing unit 14 can print the contents of a transaction performed by a customer's operation on a statement slip by a receipt printing mechanism, and the receipt can be discharged from a receipt discharge port by a receipt transport mechanism and issued to a customer. Yes.
Reference numeral 15 denotes a storage unit which is composed of a semiconductor memory, a magnetic disk, or the like, stores information, and can read the stored information. The storage unit 15 stores a control program (software) for controlling the overall operation of the automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like.

  Reference numeral 16 denotes a control unit, which is composed of arithmetic and control means such as a CPU. The control unit 16 communicates with the customer operation display unit 11, the card reader unit 12, the deposit / withdrawal unit 13, the receipt printing unit 14, the storage unit 15, and the financial institution host computer 2 and the credit card company host computer 3. The operation of the entire automatic transaction apparatus 1 including a communication unit (not shown) that performs control is controlled based on a control program (software) stored in the storage unit 15. The control unit 16 also has a calendar and a clock function that are means for measuring the date and time and the like.

Next, the configuration of the utilized financial institution host computer 2 will be described.
Reference numeral 21 denotes a storage unit which is composed of a semiconductor memory, a magnetic disk, or the like, stores information, and can read the stored information. The storage unit 21 stores a control program (software) for controlling the operation of the entire utilized financial institution host computer 2.
Reference numeral 22 denotes a customer database (hereinafter referred to as “customer DB”), which stores each customer's name, account number, personal identification number, account balance, and the like as customer account information.

Reference numeral 23 denotes an exchange rate database (hereinafter referred to as “exchange rate DB”), which is an exchange rate for each foreign currency (hereinafter referred to as “exchange rate”) determined by a financial institution in the exchange transaction performed by the automatic transaction apparatus 1. ) Is stored.
Reference numeral 24 denotes a fee database (hereinafter referred to as “fee DB”), which stores a fee rate when the automatic transaction apparatus 1 performs a currency exchange transaction.

  Reference numeral 25 denotes a control unit, which is composed of arithmetic and control means such as a CPU. The control unit 25 controls the entire operation of the host financial institution host computer 2 including the storage unit 21, customer DB 22, exchange rate DB 23, fee DB 24, and communication unit (not shown) that controls communication with the automatic transaction apparatus 1. Control is performed based on a control program (software) stored in the storage unit 21. The control unit 25 also has a calendar and a clock function that are means for measuring the date and time and the like.

Next, the configuration of the credit card company host computer 3 will be described.
Reference numeral 31 denotes a storage unit which is composed of a semiconductor memory, a magnetic disk, or the like, stores information, and can read the stored information. The storage unit 31 stores a control program (software) for controlling the entire operation of the credit card company host computer 3.
Reference numeral 32 denotes a customer database (hereinafter referred to as “customer DB”), which stores each customer's name, credit card number, personal identification number, cashing interest rate, exchange rate, and the like in association with each other. Therefore, it is possible to extract the cashing interest rate of the customer (the borrowing interest applied to the cashing transaction) and the exchange rate from the credit card number included in the card information read from the card.

Reference numeral 33 denotes a ledger database (hereinafter referred to as “ledger DB”), which stores each customer's credit card number and loan balance in association with each other.
Reference numeral 34 denotes an exchange rate database (hereinafter referred to as “exchange rate DB”), which is the exchange rate for each foreign currency determined by the credit card company in the cashing transaction performed by the automatic transaction apparatus 1 (for example, the medium value of the telecom settlement price). ) Is stored. It is assumed that the exchange rate determined for each customer based on the exchange rate stored in the exchange rate DB 34 is stored in the customer DB 32. In addition, a fee rate when a cashing transaction using a foreign credit card is performed is stored.

  Reference numeral 35 denotes a control unit, which is composed of arithmetic and control means such as a CPU. The control unit 35 controls the entire operation of the credit card company host computer 3 including the storage unit 31, customer DB 32, ledger DB 33, exchange rate DB 34, and communication unit (not shown) that controls communication with the automatic transaction apparatus 1. Control is performed based on a control program (software) stored in the storage unit 31. The control unit 35 also has a calendar and a clock function, which are means for measuring date and time, etc.

The operation of the above-described configuration will be described in accordance with steps represented by S in the flowchart showing the transaction processing in the embodiment of FIG.
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).

S1: When a customer approach is detected by a proximity sensor (not shown), the customer operation display unit 11 of the automatic transaction apparatus 1 displays a transaction selection screen for selecting a transaction. This transaction selection screen is composed of words such as “Please come and press the desired transaction” and transaction selection buttons such as “Deposit”, “Payment”, “Cashing”, “Exchange”.
It is assumed that a “cashing” transaction selection button for selecting a cashing transaction by a customer operation is pressed.

S2: When pressing of the “cashing” transaction selection button is detected, the customer operation display unit 11 displays a card insertion guidance screen prompting the customer to insert a card according to an instruction from the control unit 16. It is assumed that the customer inserts a card possessed from the card insertion return port according to the card insertion guidance screen.
S3: The card reader unit 12 pulls in the card inserted by the customer and reads the card information recorded on the card. The control unit 16 stores the read card information in the storage unit 15.

  S4: When the card is inserted, the customer operation display unit 11 displays a password input screen for accepting the input of the customer's password by the instruction of the control unit 16, and the customer presses the displayed operation button such as a numeric keypad. And enter the PIN. Subsequently, when the customer inputs the personal identification number, the customer operation display unit 11 displays an amount input screen for accepting the input of the amount according to an instruction from the control unit 16, and the customer presses the displayed operation button such as a numeric keypad to enter the amount. input. The control unit 16 causes the storage unit 15 to store the input personal identification number and amount.

S5: When the password and the amount are stored in the storage unit 15, the control unit 16 transmits a message for inquiring about the exchange rate including the card information to the credit card company host computer 3.
S6: The control unit 35 of the credit card company host computer 3 that has received the message for inquiring the exchange rate searches the customer DB 32 based on the credit card number included in the card information.

S7: The control unit 35 extracts the exchange rate for each foreign currency of the customer from the customer DB 32 searched based on the credit card number.
S8: Furthermore, the control unit 35 extracts the cashing interest rate and the fee rate of the customer from the customer DB 32 searched based on the credit card number.
S9: The control unit 35 transmits the extracted exchange rate, cashing interest rate, and fee rate to the automatic transaction apparatus 1.

S10: The control unit 16 of the automatic transaction apparatus 1 stores the exchange rate, the cashing interest rate, and the fee rate received from the credit card company host computer 3 in the storage unit 15, and sends a message for inquiring the exchange rate to the financial institution host computer 2. Send.
S11: The control unit 25 of the financial institution host computer 2 that has received the message for inquiring the exchange rate acquires the exchange rate for each foreign currency on the current day in the exchange transaction performed by the automatic transaction apparatus 1 from the exchange rate DB 23.

S12: The control unit 25 transmits the acquired exchange rate to the automatic transaction apparatus 1.
S13: The control unit 16 of the automatic transaction apparatus 1 as a conversion ratio calculation means for calculating a conversion ratio from one currency unit to another currency unit stores the exchange rate received from the financial institution host computer 2 in the storage unit 15. Then, based on the exchange rate and the already received exchange rate, cashing interest rate and fee rate, a real rate which is a conversion ratio from one currency unit to another currency unit in the cashing transaction and the currency exchange transaction is calculated.

Here, the above-described method for calculating the real rate will be described.
First, a method for calculating the real rate of a cashing transaction for cashing US dollars with a Japanese credit card will be described below.
For example, if the amount entered in S4 is A dollar, the cashing interest rate is B% per year, the exchange rate is 1 dollar = C yen, the elapsed date until settlement is 60 days, and the entered amount is converted to Japanese yen, Ax C = D yen, cashing interest until settlement is (D yen × B%) × (60 days ÷ 365 days) = E yen, and the amount charged by the credit card company at a later date is D + E = F yen. When this F yen is converted into a real rate, which is a virtual conversion rate, the real rate is F yen / A dollar = Z (yen / dollar), that is, 1 dollar = Z yen.

In addition, the elapsed date until the settlement described above is obtained by adding, for example, the local settlement period processing days from the day when the transaction is performed, the credit card company processing days, and the days from the closing date to the settlement date.
The real rate Z (yen / dollar) can be calculated as C (yen / dollar) + C (yen / dollar) x B% x (60 days ÷ 365 days). The exchange rate can be calculated based on 1 dollar = C yen and the elapsed date (60 days) until settlement.

On the other hand, the real rate of the exchange transaction performed by the automatic transaction apparatus 1 is the exchange rate itself, for example, 1 dollar = Y yen. When a fee is required for the exchange transaction, the fee rate stored in the fee DB 24 may be received from the use financial institution host computer 2 to calculate the real rate.
When the real rate in the cashing transaction and the currency exchange transaction is calculated in this way, the control unit 16 compares the real rate, that is, 1 dollar = Z yen and 1 dollar = Y yen. It is determined that the cashing transaction is advantageous, and when the Z yen is smaller than the Y yen, it is determined that the currency exchange transaction is advantageous for the customer.

Next, a method for calculating the real rate of the cashing transaction for cashing Japanese yen with a foreign credit card will be described below.
For example, the amount entered in S4 is A yen, the cashing interest rate is B% per year, the exchange rate is 1 dollar = C yen, the elapsed date until settlement is 60 days, the commission rate is 1%, and the amount entered is the commission Is added to A yen x (100% + 1%) = D yen, and when converted to US dollars, D ÷ C = E dollar, that is, this E dollar becomes the credit usage amount, and the cashing interest until settlement is (E dollar x B%) × (60 days ÷ 365 days) = F dollars, and the amount charged by the credit card company at a later date is E + F = G dollars. When this G dollar is converted into a real rate which is a virtual conversion rate, the real rate is A yen ÷ G dollar = Z (yen / dollar), that is, 1 dollar = Z yen.

In addition, the elapsed date until the settlement described above is obtained by adding, for example, the local settlement period processing days from the day when the transaction is performed, the credit card company processing days, and the days from the closing date to the settlement date.
On the other hand, the real rate of the exchange transaction performed by the automatic transaction apparatus 1 is the exchange rate itself, for example, 1 dollar = Y yen. When a fee is required for the exchange transaction, the fee rate stored in the fee DB 24 may be received from the use financial institution host computer 2 to calculate the real rate.

When the real rate in the cashing transaction and the currency exchange transaction is calculated in this way, the control unit 16 compares the real rate, that is, 1 dollar = Z yen and 1 dollar = Y yen. It is determined that the cashing transaction is advantageous, and when the Z yen is smaller than the Y yen, it is determined that the currency exchange transaction is advantageous for the customer.
S14: After calculating the real rate in the cashing transaction and the currency exchange transaction, the customer operation display unit 11 displays the determination result screen 40 shown in FIG. In addition, the determination result screen 40 shown in FIG. 3 displays an example in which the real rate of the cashing transaction for cashing the US dollar with a Japanese credit card is calculated and it is determined that the cashing transaction is advantageous.

  This determination result screen 40 explains, for example, the calculated real rate “when cashing with this credit card Cashing interest 10.0% Annual conversion rate 1 dollar = ¥ 120 Cashing usage period 60 days Total 1 dollar = ¥ 123 Is equivalent to a rate of .92 ”,“ If using currency exchange, today ’s yen ⇒ dollar exchange rate will be 1 dollar = 124 yen ”, and transactions that are advantageous to customers are determined from the calculated real rate As a result, the words such as “Cashing is advantageous”, “Exchange rate $ 1,000” indicating the entered amount, “Cashing usage ¥ 123,920” indicating the Japanese yen required for the cashing transaction, Words such as “Use currency exchange ¥ 124,000” indicating the Japanese yen required for currency exchange transactions, and “both” for executing currency exchange transactions. "Button 41," Caching "button 42 for executing the caching transactions are those composed of" Cancel "button 43 or the like to cancel the transaction.

  S15: The customer presses one of the “exchange” button 41, the “cashing” button 42, and the “cancel” button 43 in order to select the exchange transaction, the cashing transaction, and the cancellation of the transaction after confirming the determination result screen 40. And If the customer operation display unit 11 detects that the “exchange” button 41 is pressed, the process proceeds to S16, and if it detects that the “cashing” button 42 is pressed, the process proceeds to S23, and detects that the “cancel” button 43 is pressed. The process proceeds to S26.

S16: When the pressing of the “exchange” button 41 is detected, the card reader unit 12 ejects the card from the card insertion return port according to an instruction from the control unit 16 and returns it to the customer.
S17: When the card is returned to the customer, the customer operation display unit 11 displays a cash insertion guidance screen prompting the customer to deposit cash according to an instruction from the control unit 16.
S18: It is assumed that the customer inserts Japanese yen cash corresponding to the amount input in S4 into the deposit / withdrawal port according to the cash insertion guidance screen. For example, if the amount input in S4 is 1,000 dollars, 124,000 yen corresponding to the amount is inserted.

S19: When cash is inserted into the deposit / withdrawal port, the deposit / withdrawal unit 13 counts the inserted cash according to an instruction from the control unit 16 and performs deposit processing. Further, the control unit 16 performs a currency exchange calculation for calculating a withdrawal amount based on the currency exchange rate received from the use financial institution host computer 2 in S10.
S20: Upon completion of the deposit process, the deposit / withdrawal unit 13 performs a withdrawal process for paying the customer the US dollar (for example, $ 1,000) of the amount input in S4 according to an instruction from the control unit 16. If there is a change, the change is also withdrawn.

S21: When the withdrawal process is completed, the control unit 16 transmits the result of the exchange transaction to the use financial institution host computer 2.
S22: The financial institution host computer 2 stores the received exchange transaction result in the storage unit 21 as a transaction record.
In this way, the automatic transaction apparatus 1 and the utilized financial institution host computer 2 execute a currency exchange transaction.

S23: On the other hand, when it is detected that the “cashing” button 42 is pressed in S15, the deposit / withdrawal unit 13 performs a withdrawal process of paying the customer the US dollar (for example, $ 1,000) of the amount input in S4 according to an instruction from the control unit 16. When the withdrawal process is completed, the card reader unit 12 ejects the card from the card insertion return port according to an instruction from the control unit 16 and returns it to the customer.
Before the deposit / withdrawal unit 13 performs the withdrawal process, the control unit 16 transmits the input password and card information to the credit card company host computer 3, and the credit card company host computer 3 is included in the received card information. The customer DB 32 is searched based on the credit card number of the customer to be extracted, and the password is extracted, and compared with the received password, whether or not they match, that is, identity verification is performed.

S24: When the card is returned to the customer, the control unit 16 transmits the result of the cashing transaction to the credit card company host computer 3.
S25: The credit card company host computer 3 that has received the result of the cashing transaction updates the loan balance of the customer in the ledger DB 33.
In this way, the automatic transaction apparatus 1 and the credit card company host computer 3 execute a cashing transaction.

S26: Further, when it is detected in S15 that the “cancel” button 43 is pressed, the card reader unit 12 ejects the card from the card insertion return port according to an instruction from the control unit 16, returns it to the customer, and ends the transaction.
In this way, comparing the real rate (1 dollar = Z yen) in the cashing transaction with the real rate (1 dollar = Y yen) in the exchange transaction, the cashing transaction is advantageous for the customer when the Z yen is larger than the Y yen. Is displayed on the customer operation display unit 12, so that the customer does not need to consider that either the cashing transaction or the currency exchange transaction is advantageous before using the automatic transaction apparatus 1, thereby improving the convenience of the customer. improves.

In the present embodiment, it is determined which exchange transaction or cashing transaction to be performed by the automatic transaction apparatus 1 is more advantageous for the customer. However, a withdrawal transaction may be used instead of the exchange transaction.
In this case, account identification information for identifying each account held by the customer, such as the account number of the customer's financial institution and the credit card number of the credit card company, is recorded on the IC chip or magnetic stripe of the card, The customer shall be able to conduct withdrawals withdrawing cash in local currency converted at the exchange rate from the bank's own account with one card and cashing with a credit card company.

  As described above, in this embodiment, the real rate in the cashing transaction (1 dollar = Z yen) is compared with the real rate in the currency exchange transaction (1 dollar = Y yen). Since the customer operation display unit 12 displays that the cashing transaction is advantageous for the customer, the customer needs to consider that either the cashing transaction or the currency exchange transaction is advantageous before using the automatic transaction apparatus 1. The convenience of the customer is improved.

The block diagram which shows the structure of the automatic transaction apparatus and automatic transaction system in an Example. Flow chart showing transaction processing in the embodiment Explanatory drawing of the judgment result screen in an Example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host financial institution host computer 3 Credit card company host computer 4 Communication line 11 Customer operation display part 12 Card reader part 13 Deposit / withdrawal part 14 Receipt printing part 15, 21, 31 Storage part 16, 25, 35 Control part 22, 32 Customer DB
23 Exchange rate DB
24 Fee DB
33 Ledger DB
34 Exchange rate DB

Claims (7)

In an automatic transaction device that accepts customer operations and conducts transactions,
A conversion ratio calculating means for calculating a conversion ratio from one currency unit to another currency unit in a cashing transaction based on an exchange rate set by a credit card company and a cashing interest rate which is a borrowing interest rate for a predetermined period is provided.
The conversion ratio calculated by the conversion ratio calculation means is compared with the exchange rate set by the financial institution in the currency exchange transaction to determine which of the cashing transaction and the currency exchange transaction is advantageous to the customer. An automatic transaction apparatus characterized by displaying a transaction. In the automatic transaction apparatus of Claim 1,
An automatic transaction apparatus characterized in that, when it is determined that the conversion ratio is more advantageous to the customer than the exchange rate, a cashing transaction is displayed and a cashing transaction can be selected. In the automatic transaction apparatus according to claim 1 or claim 2,
An automatic transaction apparatus characterized in that, when it is determined that the exchange rate is more advantageous to the customer than the conversion ratio, the exchange transaction can be selected by displaying that the exchange transaction is advantageous. In an automatic transaction system in which an automatic transaction apparatus accepts a customer's operation and receives a permission from a higher-level apparatus and performs a transaction,
A host device having a database storing an exchange rate set by a credit card company and a cashing interest rate which is a borrowing interest rate for a predetermined period, and an exchange rate set by a financial institution;
An automatic transaction apparatus provided with a conversion ratio calculating means for calculating a conversion ratio from one currency unit to another currency unit in a cashing transaction based on the exchange rate and the cashing interest rate received from the host device;
The automatic transaction apparatus compares the conversion ratio calculated by the conversion ratio calculation means with the exchange rate received from the host apparatus to determine which of the cashing transaction and the currency exchange transaction is advantageous for the customer, An automatic transaction system characterized by displaying transactions determined to be. In the automatic transaction system of claim 4,
An automatic transaction system characterized in that, when it is determined that the conversion ratio is more advantageous to the customer than the exchange rate, the cashing transaction is displayed and the cashing transaction can be selected. In the automatic transaction system according to claim 4 or claim 5,
An automatic transaction system characterized in that, when it is determined that the exchange rate is more advantageous to the customer than the conversion ratio, the exchange transaction can be selected by displaying that the exchange transaction is advantageous. In the automatic transaction system according to claim 4, claim 5, or claim 6,
Use of the host device having a database storing a exchange company rate set by a credit company host computer and a financial institution having a database storing a currency rate set by a credit card company and a cashing interest rate which is a borrowing interest rate for a predetermined period An automatic transaction system characterized by being a financial institution host computer.